Home > Firstbank - West Michigan > Net charge- offs to loans
Firstbank - West Michigan, Net charge- offs to loans
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0296% | 1,048 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2284% | 744 |
| Percentage Net Loans Charged-off:Construction & development | 0.6174% | 1,715 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.8058% | 459 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 851 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9123% | 999 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,753 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0109% | 892 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0888% | 3,189 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4719% | 2,454 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 887 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4721% | 2,296 |
| 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 | 1.0261% | 1,030 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2476% | 728 |
| Percentage Net Loans Charged-off:Construction & development | 0.8206% | 1,465 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.1426% | 336 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6711% | 1,329 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,549 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7438% | 1,172 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0627% | 5,877 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4922% | 2,171 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4922% | 2,020 |
| 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 | 1.2978% | 820 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6173% | 548 |
| Percentage Net Loans Charged-off:Construction & development | 0.5745% | 1,475 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.9302% | 236 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8151% | 1,110 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,330 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9035% | 989 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0522% | 5,790 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,766 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,588 |
| 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 | 1.3375% | 763 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6464% | 526 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,402 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.7499% | 182 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2886% | 1,928 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 982 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3197% | 1,730 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0251% | 1,963 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2246% | 2,452 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2246% | 2,275 |
| 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 | 0.5999% | 2,650 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6754% | 2,223 |
| Percentage Net Loans Charged-off:Construction & development | 0.4641% | 2,457 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4776% | 2,036 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8660% | 1,426 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0193% | 5,235 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9613% | 1,277 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0769% | 3,887 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1250% | 1,501 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6101% | 2,185 |
| 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 | 0.7147% | 2,122 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8215% | 1,751 |
| Percentage Net Loans Charged-off:Construction & development | 0.6452% | 2,095 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5758% | 1,564 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0457% | 1,135 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,690 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1584% | 1,002 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1082% | 3,314 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9718% | 1,585 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5410% | 2,142 |
| 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 | 0.7198% | 2,072 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8512% | 1,608 |
| Percentage Net Loans Charged-off:Construction & development | 0.9653% | 1,696 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6167% | 1,365 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0388% | 1,130 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,446 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1496% | 1,009 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1716% | 2,779 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2537% | 3,160 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0725% | 6,285 |
| 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 | 0.6301% | 1,942 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7741% | 1,445 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,696 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1274% | 722 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6356% | 1,333 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,026 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7032% | 1,189 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0697% | 6,222 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3422% | 2,483 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0687% | 6,060 |
| 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 | 1.4282% | 1,555 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4479% | 1,350 |
| Percentage Net Loans Charged-off:Construction & development | 0.9070% | 2,569 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.8094% | 718 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3012% | 1,088 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4986% | 1,257 |
| All other 1-4 family - Percent of loans charged-off, net | 1.3831% | 1,019 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5577% | 1,952 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1172% | 1,970 |
| Percentage Net Loans Charged-off: Credit card loans | 4.0998% | 389 |
| 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 | 1.5438% | 1,300 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5357% | 1,155 |
| Percentage Net Loans Charged-off:Construction & development | 1.1992% | 2,171 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.4403% | 446 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9951% | 1,256 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2942% | 1,327 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0660% | 1,175 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1070% | 1,406 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3933% | 3,496 |
| Percentage Net Loans Charged-off: Credit card loans | -0.3807% | 1,497 |
| 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 | 1.6674% | 1,130 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.8196% | 941 |
| Percentage Net Loans Charged-off:Construction & development | 1.6982% | 1,723 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.2361% | 299 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8944% | 1,285 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4393% | 1,017 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9401% | 1,201 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3981% | 1,686 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1085% | 4,265 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4184% | 694 |
| 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 | 0.8419% | 1,851 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1933% | 1,201 |
| Percentage Net Loans Charged-off:Construction & development | 3.8521% | 923 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4527% | 1,129 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.4589% | 753 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 974 |
| All other 1-4 family - Percent of loans charged-off, net | 1.6032% | 682 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.7114% | 7,350 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.2066% | 7,579 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5575% | 710 |
| 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 | 3.9734% | 422 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.3837% | 537 |
| Percentage Net Loans Charged-off:Construction & development | 22.4304% | 165 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.1555% | 314 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.7743% | 750 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2495% | 724 |
| All other 1-4 family - Percent of loans charged-off, net | 1.8201% | 739 |
| Percentage Net Loans Charged-off: Commercial and industrial | 8.7935% | 325 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.3496% | 697 |
| Percentage Net Loans Charged-off: Credit card loans | 7.3197% | 248 |
| 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 | 3.9323% | 367 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.6382% | 587 |
| Percentage Net Loans Charged-off:Construction & development | 30.2610% | 76 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.6310% | 523 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8463% | 1,242 |
| Percentage Net Loans Charged-off: Home equity loans | 1.6895% | 491 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7747% | 1,250 |
| Percentage Net Loans Charged-off: Commercial and industrial | 13.6892% | 125 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.4549% | 651 |
| Percentage Net Loans Charged-off: Credit card loans | 8.3310% | 199 |
| 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 | 3.7705% | 391 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.8140% | 850 |
| Percentage Net Loans Charged-off:Construction & development | 13.4845% | 303 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.7285% | 419 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8436% | 1,098 |
| Percentage Net Loans Charged-off: Home equity loans | 2.0307% | 354 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7449% | 1,151 |
| Percentage Net Loans Charged-off: Commercial and industrial | 18.0516% | 95 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.2856% | 658 |
| Percentage Net Loans Charged-off: Credit card loans | 8.0764% | 236 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1113% | 6,872 |
| 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 | 3.1696% | 402 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0661% | 3,139 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,865 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1175% | 1,067 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0382% | 2,536 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0414% | 2,317 |
| Percentage Net Loans Charged-off: Commercial and industrial | 24.9547% | 51 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0986% | 1,078 |
| Percentage Net Loans Charged-off: Credit card loans | 9.6754% | 163 |
| 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 | 1.8141% | 605 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3300% | 696 |
| Percentage Net Loans Charged-off:Construction & development | 7.9004% | 277 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.0253% | 512 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0214% | 594 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0956% | 1,210 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0879% | 543 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.6245% | 419 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0715% | 975 |
| Percentage Net Loans Charged-off: Credit card loans | 1.8442% | 745 |
| 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 | 2.0900% | 334 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5424% | 383 |
| Percentage Net Loans Charged-off:Construction & development | 10.6681% | 112 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1429% | 299 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1024% | 413 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1031% | 950 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1724% | 364 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.5284% | 231 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4122% | 1,290 |
| Percentage Net Loans Charged-off: Credit card loans | 1.6576% | 705 |
| 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 | 2.7531% | 190 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.9081% | 235 |
| Percentage Net Loans Charged-off:Construction & development | 16.5171% | 51 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.6205% | 176 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0171% | 393 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0869% | 321 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.7567% | 132 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9975% | 781 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3539% | 718 |
| 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 | 0.4873% | 1,072 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0649% | 1,959 |
| 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 | 0.1086% | 1,353 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1160% | 1,213 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1910% | 436 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7618% | 871 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7877% | 536 |
| 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 | 0.0588% | 4,773 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0850% | 2,305 |
| 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 | 0.1374% | 1,605 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1464% | 1,487 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0037% | 3,925 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1318% | 7,812 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8937% | 968 |
| 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 | 0.0367% | 4,531 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0781% | 1,713 |
| 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 | 0.1258% | 1,237 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1340% | 1,132 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0101% | 6,818 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3827% | 8,025 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,103 |
| 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 | 0.1194% | 2,501 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0280% | 2,013 |
| 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 | 0.0445% | 1,583 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0474% | 1,447 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3937% | 1,407 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6556% | 1,946 |
| Percentage Net Loans Charged-off: Credit card loans | 2.0022% | 517 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1944% | 948 |
| 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 | 0.0896% | 2,340 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0613% | 1,125 |
| 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 | 0.0984% | 905 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1049% | 807 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0159% | 6,774 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6758% | 1,769 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3083% | 605 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1292% | 775 |
| 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 | 0.1294% | 2,778 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1104% | 1,219 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0304% | 1,065 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1591% | 1,015 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1458% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1601% | 978 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0787% | 3,093 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2454% | 4,210 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3210% | 791 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.9177% | 596 |
| 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 | 0.1255% | 2,307 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1127% | 976 |
| 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 | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1764% | 768 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2119% | 236 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1737% | 764 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1146% | 2,336 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0723% | 4,824 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3457% | 710 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.9689% | 513 |
| 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 | 0.1220% | 2,207 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1558% | 698 |
| 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 | 0.2423% | 553 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2613% | 509 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1183% | 1,982 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3760% | 8,005 |
| Percentage Net Loans Charged-off: Credit card loans | -1.0056% | 1,946 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.7333% | 538 |
| 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 | 0.0087% | 4,015 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,638 |
| 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 | 0.0000% | 1,349 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,244 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2352% | 1,145 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3495% | 7,720 |
| Percentage Net Loans Charged-off: Credit card loans | -0.6547% | 1,877 |
| 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 | 0.2505% | 1,881 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1471% | 940 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3022% | 448 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0960% | 1,462 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1061% | 1,363 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1195% | 3,200 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2417% | 1,386 |
| Percentage Net Loans Charged-off: Credit card loans | 3.8071% | 409 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4733% | 836 |
| 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 | 0.2519% | 1,577 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1697% | 739 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3105% | 362 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1288% | 1,033 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1433% | 961 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2335% | 2,216 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9041% | 1,808 |
| Percentage Net Loans Charged-off: Credit card loans | -0.2131% | 2,046 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2751% | 891 |
| 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 | 0.2300% | 1,619 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1511% | 776 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4734% | 255 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0308% | 1,703 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0344% | 1,563 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3435% | 1,655 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7163% | 2,168 |
| Percentage Net Loans Charged-off: Credit card loans | 0.3236% | 1,152 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1756% | 7,384 |
| 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 | 0.2148% | 1,509 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2575% | 411 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9433% | 116 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,974 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3644% | 2,981 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3356% | 718 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.5788% | 7,568 |
| 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 | 0.1712% | 3,076 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0762% | 1,895 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,548 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1166% | 1,441 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1255% | 1,369 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2320% | 2,958 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5763% | 3,472 |
| Percentage Net Loans Charged-off: Credit card loans | 2.6865% | 734 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.7517% | 670 |
| 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 | 0.1346% | 3,126 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1059% | 1,280 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,213 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1614% | 972 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1718% | 928 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0644% | 7,431 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4965% | 3,438 |
| Percentage Net Loans Charged-off: Credit card loans | 2.9460% | 660 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.6545% | 623 |
| 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 | 0.0944% | 3,496 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0872% | 1,340 |
| 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 | 0.1330% | 1,039 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1400% | 968 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0876% | 7,488 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3906% | 3,672 |
| Percentage Net Loans Charged-off: Credit card loans | 1.8898% | 896 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1141% | 970 |
| 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 | 0.0091% | 4,820 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0099% | 8,117 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0241% | 8,497 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0051% | 8,106 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0053% | 8,130 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1756% | 7,760 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4173% | 3,173 |
| Percentage Net Loans Charged-off: Credit card loans | -1.2851% | 2,527 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.2213% | 7,499 |
| 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 | 0.3157% | 2,361 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0392% | 2,768 |
| 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 | 0.0608% | 2,193 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0631% | 2,103 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7505% | 2,078 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0139% | 2,318 |
| Percentage Net Loans Charged-off: Credit card loans | 2.6308% | 977 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.9370% | 726 |
| 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 | 0.3417% | 1,908 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0060% | 8,126 |
| 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 | -0.0094% | 8,324 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0097% | 8,335 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0128% | 1,408 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0822% | 1,984 |
| Percentage Net Loans Charged-off: Credit card loans | 3.4745% | 703 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5750% | 815 |
| 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 | 0.2537% | 2,345 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0167% | 8,404 |
| 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 | -0.0261% | 8,525 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0272% | 8,550 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6889% | 1,655 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8951% | 2,313 |
| Percentage Net Loans Charged-off: Credit card loans | 4.0443% | 590 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1853% | 1,055 |
| 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 | 0.1701% | 2,587 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0037% | 1,992 |
| 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 | 0.0059% | 1,584 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0061% | 1,494 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0545% | 2,277 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0329% | 1,913 |
| Percentage Net Loans Charged-off: Credit card loans | 7.8873% | 248 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.5732% | 7,840 |
| 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 | 1.0832% | 640 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0777% | 2,104 |
| 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 | 0.1141% | 1,543 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1186% | 1,486 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.0600% | 462 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2274% | 1,868 |
| Percentage Net Loans Charged-off: Credit card loans | 2.4785% | 1,092 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 4.7099% | 221 |
| 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 | 1.2110% | 547 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0679% | 2,096 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0234% | 8,871 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0930% | 1,611 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0968% | 1,510 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.4021% | 569 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4311% | 1,382 |
| Percentage Net Loans Charged-off: Credit card loans | 5.4032% | 394 |
| 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 | 1.3877% | 333 |
| 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 | 0.4451% | 1,557 |
| 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 | 0.2824% | 2,601 |
| 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 | 0.2911% | 2,840 |
| 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 | 0.4239% | 2,099 |
| 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 | 0.2710% | 3,088 |
| 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 | 0.2506% | 3,448 |
| 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 | 0.0984% | 7,126 |
| 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 | 0.2521% | 6,575 |
| 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 |