Home > Hagerstown Trust Company > Net charge- offs to loans
Hagerstown Trust Company, Net charge- offs to loans
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1711% | 4,515 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1089% | 3,708 |
| Percentage Net Loans Charged-off:Construction & development | 0.3394% | 2,264 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,247 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1672% | 2,637 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3658% | 948 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1269% | 2,669 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3018% | 3,046 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7676% | 2,793 |
| 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 | 0.0000% | 1,633 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 118 |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1814% | 3,553 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1110% | 2,828 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,865 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,395 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2076% | 1,828 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0168% | 5,826 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2513% | 1,598 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0276% | 6,915 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2335% | 1,774 |
| 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 | 0.0000% | 1,234 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 81 |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6223% | 1,975 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6264% | 1,407 |
| Percentage Net Loans Charged-off:Construction & development | 7.6678% | 287 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,362 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0503% | 3,434 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0860% | 1,225 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0450% | 3,293 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0250% | 7,249 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2883% | 1,741 |
| Percentage Net Loans Charged-off: Credit card loans | 4.3814% | 335 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5242% | 1,019 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 112 |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7212% | 1,205 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7775% | 805 |
| Percentage Net Loans Charged-off:Construction & development | 9.2516% | 144 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,766 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0525% | 2,804 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0598% | 2,530 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0244% | 7,068 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0041% | 1,858 |
| Percentage Net Loans Charged-off: Credit card loans | 4.3979% | 309 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.7719% | 737 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 90 |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1252% | 3,507 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,788 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,702 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,334 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,841 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,615 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0241% | 6,971 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0041% | 1,701 |
| Percentage Net Loans Charged-off: Credit card loans | 4.0206% | 328 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.2247% | 522 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 70 |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0879% | 3,179 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,687 |
| 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 | 0.0000% | 1,939 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,774 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0234% | 6,902 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8940% | 1,682 |
| Percentage Net Loans Charged-off: Credit card loans | 4.9485% | 231 |
| 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 | 0.0000% | 39 |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0201% | 5,816 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0175% | 8,087 |
| 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 | -0.0336% | 8,029 |
| Percentage Net Loans Charged-off: Home equity loans | -0.3204% | 6,078 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,111 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0590% | 7,353 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3426% | 3,820 |
| Percentage Net Loans Charged-off: Credit card loans | 5.3437% | 169 |
| 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 | 0.0000% | 73 |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0211% | 5,073 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0232% | 7,954 |
| 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 | -0.0447% | 8,046 |
| Percentage Net Loans Charged-off: Home equity loans | -0.4254% | 6,081 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,489 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0712% | 7,297 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3891% | 3,151 |
| Percentage Net Loans Charged-off: Credit card loans | 3.0085% | 388 |
| 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 | 0.0000% | 52 |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0175% | 4,638 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,712 |
| 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 | 0.0000% | 2,135 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,964 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0874% | 7,338 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2150% | 3,592 |
| Percentage Net Loans Charged-off: Credit card loans | 3.3606% | 327 |
| 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 | 0.0000% | 38 |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0129% | 7,044 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,851 |
| 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 | 0.0000% | 1,473 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,345 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1483% | 7,508 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0088% | 3,789 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5387% | 734 |
| 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 | 0.0000% | 28 |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0006% | 6,362 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0187% | 2,762 |
| 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 | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0380% | 2,139 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3123% | 232 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0009% | 7,676 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1362% | 7,640 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0044% | 7,424 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3971% | 769 |
| 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 | 0.0000% | 39 |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0260% | 7,840 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0005% | 7,414 |
| 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 | -0.0010% | 7,631 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0012% | 7,646 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1762% | 7,677 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0708% | 7,437 |
| Percentage Net Loans Charged-off: Credit card loans | 0.7508% | 913 |
| 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 | -0.0374% | 7,835 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0008% | 7,442 |
| 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 | -0.0016% | 7,691 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0018% | 7,706 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1857% | 7,638 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1501% | 7,530 |
| Percentage Net Loans Charged-off: Credit card loans | 0.4060% | 933 |
| 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 | -0.0588% | 7,827 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0015% | 7,556 |
| 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 | -0.0032% | 7,814 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0037% | 7,838 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2149% | 7,676 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2859% | 7,586 |
| Percentage Net Loans Charged-off: Credit card loans | 0.9227% | 697 |
| 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 | -0.0147% | 7,988 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0008% | 7,540 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,340 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0017% | 7,817 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0020% | 7,815 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2208% | 7,859 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0734% | 5,834 |
| Percentage Net Loans Charged-off: Credit card loans | 3.4503% | 476 |
| 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 | -0.0242% | 7,908 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0011% | 7,483 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,046 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0024% | 7,772 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0027% | 7,773 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1816% | 7,689 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0415% | 7,592 |
| Percentage Net Loans Charged-off: Credit card loans | 1.6325% | 838 |
| 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 | -0.0319% | 7,794 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0008% | 7,445 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 810 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0018% | 7,753 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0021% | 7,767 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1686% | 7,624 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1178% | 7,659 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,186 |
| 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 | -0.1223% | 8,303 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0017% | 7,639 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0047% | 8,167 |
| 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 | -0.6171% | 8,109 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4927% | 8,148 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 922 |
| 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 | 0.0260% | 5,922 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0060% | 7,972 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0148% | 8,265 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,241 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,066 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1754% | 7,910 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4334% | 4,155 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2693% | 875 |
| 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 | -0.0019% | 7,557 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0074% | 7,985 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0180% | 8,324 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,765 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,599 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1747% | 7,815 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1917% | 5,020 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,504 |
| 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 | -0.0065% | 7,452 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0009% | 7,689 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0023% | 8,237 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,286 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1742% | 7,770 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1064% | 5,113 |
| 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 | -0.0406% | 7,863 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,955 |
| 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 | 0.0000% | 1,591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1869% | 7,785 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2022% | 7,884 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,093 |
| 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 | 0.0322% | 6,312 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0256% | 8,500 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0703% | 8,640 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0097% | 3,162 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0111% | 2,973 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0435% | 4,487 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4159% | 4,647 |
| Percentage Net Loans Charged-off: Credit card loans | 4.6414% | 470 |
| 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 | 0.1042% | 4,222 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0045% | 3,284 |
| 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 | 0.0131% | 2,584 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0150% | 2,425 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1963% | 3,133 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6857% | 3,080 |
| Percentage Net Loans Charged-off: Credit card loans | 2.8969% | 857 |
| 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 | 0.1289% | 3,547 |
| 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 | 0.3194% | 2,370 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7961% | 2,568 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7366% | 1,104 |
| 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 | 0.1426% | 2,842 |
| 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 | 0.7791% | 1,190 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3649% | 3,634 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7467% | 945 |
| 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 | 0.1063% | 5,032 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0114% | 3,636 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0160% | 1,449 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0143% | 3,014 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0162% | 2,841 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1379% | 4,066 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5992% | 3,841 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3686% | 1,517 |
| 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 | 0.1005% | 5,096 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0782% | 1,935 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2461% | 656 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0316% | 8,962 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1002% | 6,018 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0232% | 8,899 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1120% | 8,444 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3152% | 5,204 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 2,107 |
| 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 | 0.1935% | 3,230 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0402% | 480 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0217% | 1,354 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1049% | 233 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4756% | 60 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0540% | 382 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1435% | 1,418 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7280% | 578 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 977 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 385 |
| 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 | 0.2978% | 2,333 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0215% | 684 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0156% | 353 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0337% | 624 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0386% | 556 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1277% | 1,357 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1192% | 387 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 985 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 415 |
| 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 | 0.1165% | 4,779 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1538% | 1,450 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.4434% | 1,419 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0251% | 648 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0289% | 575 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0919% | 1,290 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8267% | 590 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 973 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 409 |
| 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 | 0.1420% | 4,681 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0070% | 1,239 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0592% | 1,262 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0335% | 658 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0393% | 569 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0369% | 817 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6168% | 796 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 985 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 386 |
| 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 | -0.3544% | 11,244 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.4722% | 1,524 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | -1.1800% | 1,492 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 995 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.4814% | 1,391 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3141% | 1,076 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,056 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 444 |
| 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 | 0.2741% | 3,059 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4574% | 163 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1290% | 109 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0957% | 1,368 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0073% | 922 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0089% | 863 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.9376% | 1,389 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2348% | 1,087 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,020 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 433 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 48 |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.1691% | 11,768 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1701% | 448 |
| Percentage Net Loans Charged-off:Construction & development | -0.1095% | 1,292 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4530% | 302 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0629% | 1,333 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0058% | 1,312 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0069% | 1,314 |
| Percentage Net Loans Charged-off: Commercial and industrial | -2.2896% | 1,370 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2026% | 1,020 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 989 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.6791% | 1,254 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 53 |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.4790% | 744 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3742% | 132 |
| Percentage Net Loans Charged-off:Construction & development | 0.9340% | 273 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.2651% | 93 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0987% | 1,378 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0517% | 1,472 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0616% | 1,470 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.8337% | 150 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3568% | 1,510 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,000 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.7286% | 117 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 93 |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.3002% | 571 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8564% | 299 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 639 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2663% | 334 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.9369% | 164 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3343% | 258 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3951% | 230 |
| Percentage Net Loans Charged-off: Commercial and industrial | 8.6351% | 67 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5828% | 883 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,026 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.9286% | 127 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -2.7495% | 553 |