Home > Firstbank - Alma > Net charge- offs to loans
Firstbank - Alma, Net charge- offs to loans
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0301% | 1,047 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2114% | 761 |
| Percentage Net Loans Charged-off:Construction & development | 2.7614% | 902 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1205% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.0273% | 445 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0986% | 787 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4458% | 1,082 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2195% | 707 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2801% | 2,569 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6875% | 1,899 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 887 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6881% | 1,757 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,670 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1563% | 868 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4031% | 606 |
| Percentage Net Loans Charged-off:Construction & development | 3.5838% | 711 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9858% | 831 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.6836% | 324 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.4644% | 550 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6067% | 839 |
| All other 1-4 family - Percent of loans charged-off, net | 1.6230% | 499 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3978% | 2,033 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3014% | 2,762 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 811 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3017% | 2,587 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,486 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1240% | 965 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3120% | 720 |
| Percentage Net Loans Charged-off:Construction & development | 5.5586% | 471 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1855% | 1,822 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.5349% | 227 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.5841% | 523 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5331% | 818 |
| All other 1-4 family - Percent of loans charged-off, net | 1.7765% | 449 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5667% | 1,648 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4596% | 2,151 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 735 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4600% | 1,978 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,276 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8645% | 1,182 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9651% | 965 |
| Percentage Net Loans Charged-off:Construction & development | 4.8755% | 440 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1906% | 1,306 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2369% | 689 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0160% | 494 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2776% | 674 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1771% | 1,643 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0849% | 1,077 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 576 |
| Percentage Net Loans Charged-off: Other loans to individual | 1.0858% | 965 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 960 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.4973% | 1,069 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.8135% | 773 |
| Percentage Net Loans Charged-off:Construction & development | 10.0780% | 451 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8703% | 1,397 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3679% | 884 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4356% | 1,316 |
| All other 1-4 family - Percent of loans charged-off, net | 1.5559% | 785 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5996% | 2,575 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2875% | 3,592 |
| Percentage Net Loans Charged-off: Credit card loans | 23.0769% | 19 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2503% | 3,484 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,720 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.5592% | 912 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.8509% | 678 |
| Percentage Net Loans Charged-off:Construction & development | 9.0134% | 473 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1288% | 950 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3499% | 844 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4940% | 1,097 |
| All other 1-4 family - Percent of loans charged-off, net | 1.5255% | 733 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8159% | 1,981 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3199% | 3,205 |
| Percentage Net Loans Charged-off: Credit card loans | 10.4314% | 74 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2831% | 3,046 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,562 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5131% | 2,561 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6390% | 1,963 |
| Percentage Net Loans Charged-off:Construction & development | 2.1088% | 1,345 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2092% | 2,022 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8968% | 1,288 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3387% | 1,119 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0087% | 1,133 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,288 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1392% | 6,536 |
| Percentage Net Loans Charged-off: Credit card loans | 16.2206% | 47 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1329% | 6,518 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,354 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2809% | 2,943 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3533% | 2,238 |
| Percentage Net Loans Charged-off:Construction & development | 0.1106% | 1,606 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0405% | 7,025 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8835% | 1,056 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,026 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0615% | 874 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,380 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1413% | 6,309 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 649 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1064% | 6,221 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,005 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1986% | 1,866 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4824% | 1,317 |
| Percentage Net Loans Charged-off:Construction & development | 10.5427% | 528 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.0420% | 1,247 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0657% | 5,902 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3905% | 2,629 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0115% | 5,476 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4662% | 2,324 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,726 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4168% | 3,702 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,060 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7420% | 2,570 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9180% | 1,867 |
| Percentage Net Loans Charged-off:Construction & development | 6.3387% | 903 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4202% | 1,904 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0894% | 5,942 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5155% | 2,052 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0150% | 5,522 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6143% | 1,783 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,319 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3433% | 3,659 |
| Percentage Net Loans Charged-off: Credit card loans | 22.7234% | 32 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,786 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1335% | 4,875 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1569% | 3,781 |
| Percentage Net Loans Charged-off:Construction & development | 0.2683% | 2,432 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0147% | 7,292 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3285% | 2,326 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1114% | 5,603 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4114% | 2,009 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,819 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1938% | 3,900 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 903 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1108% | 4,321 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0963% | 3,398 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,022 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0285% | 7,446 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2554% | 2,104 |
| Percentage Net Loans Charged-off: Home equity loans | -0.2163% | 5,660 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3479% | 1,776 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,838 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6082% | 2,424 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 753 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,171 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5761% | 3,489 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6859% | 2,454 |
| Percentage Net Loans Charged-off:Construction & development | 2.0617% | 2,065 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7285% | 1,422 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3902% | 2,409 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0529% | 1,846 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4547% | 2,112 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 5,131 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5892% | 3,798 |
| Percentage Net Loans Charged-off: Credit card loans | 17.5439% | 50 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 2,150 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6910% | 2,624 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8370% | 1,781 |
| Percentage Net Loans Charged-off:Construction & development | 2.3802% | 1,605 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8136% | 984 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5599% | 1,639 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0840% | 1,512 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6501% | 1,417 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,579 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4550% | 3,867 |
| Percentage Net Loans Charged-off: Credit card loans | 43.2432% | 22 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,898 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2128% | 4,182 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2319% | 2,983 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,667 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0327% | 7,764 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5926% | 1,397 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0627% | 5,876 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7158% | 1,187 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,950 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4223% | 3,711 |
| Percentage Net Loans Charged-off: Credit card loans | 62.0476% | 15 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,633 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3219% | 2,808 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3766% | 1,873 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,865 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0323% | 7,785 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9344% | 802 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1246% | 5,890 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1289% | 651 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,811 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3001% | 3,427 |
| Percentage Net Loans Charged-off: Credit card loans | 114.2857% | 8 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,234 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1200% | 5,049 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1138% | 3,558 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0247% | 7,811 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.5992% | 6,264 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3714% | 1,509 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0899% | 1,220 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4184% | 1,311 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0672% | 4,218 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3282% | 4,396 |
| Percentage Net Loans Charged-off: Credit card loans | 14.2857% | 46 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,901 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0603% | 5,056 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0290% | 3,899 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,246 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0169% | 7,812 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.7875% | 6,249 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1877% | 1,777 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1221% | 919 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1985% | 1,595 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0850% | 3,359 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3704% | 3,720 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,100 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,634 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0157% | 5,463 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0493% | 8,058 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,702 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0220% | 7,884 |
| Percentage Net Loans Charged-off: Multi-family residential | -1.2154% | 6,216 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0589% | 2,251 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1882% | 656 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0380% | 2,238 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1280% | 2,569 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4874% | 2,908 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 966 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0570% | 3,653 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0334% | 2,272 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,119 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 813 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0786% | 1,481 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4188% | 341 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0229% | 1,625 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0142% | 6,807 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4637% | 2,569 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 761 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6714% | 777 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0688% | 2,546 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,563 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,679 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1580% | 1,451 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1853% | 1,258 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.8056% | 321 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1789% | 4,704 |
| Percentage Net Loans Charged-off: Credit card loans | -12.5000% | 1,998 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,751 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2080% | 1,913 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0857% | 1,640 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,085 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,176 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1974% | 929 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2318% | 785 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8368% | 1,048 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1364% | 4,477 |
| Percentage Net Loans Charged-off: Credit card loans | -17.1613% | 1,981 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,521 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2769% | 1,301 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0815% | 1,352 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 770 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 881 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1879% | 822 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2204% | 696 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2308% | 697 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2034% | 3,650 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 965 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,336 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2481% | 1,191 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1615% | 658 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 444 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 529 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3739% | 402 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4400% | 328 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7559% | 717 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0540% | 3,681 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 790 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 964 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2532% | 1,610 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3637% | 392 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | 14.3936% | 12 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0917% | 1,503 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0467% | 573 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1015% | 1,355 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0336% | 7,176 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0646% | 7,664 |
| Percentage Net Loans Charged-off: Credit card loans | 15.1515% | 31 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,606 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3299% | 973 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4845% | 204 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | 21.0885% | 7 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1229% | 1,014 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0605% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1370% | 924 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0436% | 7,127 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1626% | 7,776 |
| Percentage Net Loans Charged-off: Credit card loans | 39.5556% | 10 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,412 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0101% | 7,262 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0556% | 1,350 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1349% | 870 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0881% | 296 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1460% | 814 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0437% | 7,029 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.5368% | 8,183 |
| Percentage Net Loans Charged-off: Credit card loans | 29.9850% | 22 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,212 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0364% | 7,548 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0224% | 1,294 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 498 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0547% | 943 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0683% | 834 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0434% | 7,003 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.5591% | 7,988 |
| Percentage Net Loans Charged-off: Credit card loans | 53.3333% | 14 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0688% | 4,331 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0169% | 2,807 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0763% | 855 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0512% | 8,361 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1925% | 6,102 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0113% | 8,017 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0139% | 3,976 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6144% | 3,052 |
| Percentage Net Loans Charged-off: Credit card loans | -15.1515% | 2,195 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,616 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0707% | 8,271 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1492% | 8,559 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1868% | 8,403 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1350% | 8,487 |
| Percentage Net Loans Charged-off: Home equity loans | -0.2550% | 6,069 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1005% | 8,405 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0264% | 3,243 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3453% | 3,836 |
| Percentage Net Loans Charged-off: Credit card loans | -23.1304% | 2,185 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,405 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.1404% | 8,422 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.2226% | 8,607 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2781% | 8,449 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.2041% | 8,539 |
| Percentage Net Loans Charged-off: Home equity loans | -0.3856% | 6,009 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1521% | 8,473 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0413% | 2,665 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1280% | 4,601 |
| Percentage Net Loans Charged-off: Credit card loans | -40.0000% | 2,175 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,156 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.2869% | 8,607 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.4436% | 8,731 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.5565% | 8,562 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.4110% | 8,669 |
| Percentage Net Loans Charged-off: Home equity loans | -0.7694% | 6,007 |
| All other 1-4 family - Percent of loans charged-off, net | -0.3070% | 8,618 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1493% | 1,524 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,245 |
| Percentage Net Loans Charged-off: Credit card loans | 88.8889% | 6 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 839 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1819% | 2,958 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1686% | 1,085 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1992% | 794 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1738% | 1,076 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3369% | 201 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1282% | 1,348 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0171% | 4,165 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5748% | 3,481 |
| Percentage Net Loans Charged-off: Credit card loans | 2.0492% | 942 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,643 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1566% | 2,807 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1598% | 957 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2064% | 585 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1453% | 1,063 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3287% | 177 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0944% | 1,376 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0229% | 3,495 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3848% | 3,953 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2204% | 833 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,414 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2157% | 2,125 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0772% | 1,437 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1786% | 857 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1994% | 215 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1730% | 851 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5301% | 1,553 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5173% | 3,156 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,362 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,207 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2268% | 1,795 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2597% | 511 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6043% | 263 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4097% | 104 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6571% | 234 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0353% | 7,145 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4968% | 2,936 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7021% | 822 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 887 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0268% | 6,476 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0152% | 8,362 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,593 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0338% | 8,566 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0407% | 8,586 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3188% | 8,328 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6685% | 3,493 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5330% | 1,704 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,856 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0809% | 4,682 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,474 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,273 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,919 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,778 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1122% | 7,944 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6908% | 3,056 |
| Percentage Net Loans Charged-off: Credit card loans | 0.7197% | 1,569 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,617 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0584% | 4,764 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,928 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 978 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,402 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,287 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1311% | 7,950 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5554% | 3,352 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5440% | 1,479 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,407 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0141% | 7,700 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,066 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 618 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,648 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,550 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2145% | 8,092 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1726% | 4,389 |
| Percentage Net Loans Charged-off: Credit card loans | -1.0825% | 2,682 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1373% | 4,509 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0599% | 2,366 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,573 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1138% | 1,550 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1280% | 1,421 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0145% | 7,794 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6908% | 3,421 |
| Percentage Net Loans Charged-off: Credit card loans | 6.2910% | 344 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,956 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0389% | 6,464 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0216% | 3,056 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0381% | 2,313 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0422% | 2,142 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1113% | 8,441 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3191% | 5,174 |
| Percentage Net Loans Charged-off: Credit card loans | -0.0770% | 5,400 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,876 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0914% | 4,796 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0843% | 9,706 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0283% | 7,044 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3761% | 2,164 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2895% | 3,076 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2570% | 3,215 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1150% | 5,415 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3209% | 4,002 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3333% | 5,699 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |