Home > Harbor Federal Savings Bank > Net charge- offs to loans
Harbor Federal Savings Bank, Net charge- offs to loans
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0281% | 5,032 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0165% | 2,822 |
| Percentage Net Loans Charged-off:Construction & development | 0.0068% | 779 |
| 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 | 0.0234% | 2,403 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0246% | 2,232 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,710 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6343% | 2,365 |
| 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% | 1,606 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0146% | 4,990 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0082% | 7,795 |
| Percentage Net Loans Charged-off:Construction & development | -0.0274% | 7,754 |
| 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 | -0.0006% | 7,625 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0007% | 7,633 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4931% | 1,304 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2379% | 3,772 |
| 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% | 1,412 |
| 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 | 0.0664% | 3,066 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0020% | 2,386 |
| Percentage Net Loans Charged-off:Construction & development | 0.0076% | 427 |
| 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 | -0.0003% | 7,662 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0003% | 7,675 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7208% | 491 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1490% | 3,958 |
| 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% | 1,212 |
| 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 | 0.0037% | 4,254 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0002% | 7,486 |
| 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 | -0.0003% | 7,769 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0003% | 7,792 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0535% | 1,531 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0977% | 3,533 |
| 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% | 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 | 0.0066% | 6,248 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0034% | 3,383 |
| Percentage Net Loans Charged-off:Construction & development | 0.0232% | 578 |
| 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 | -0.0039% | 7,875 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0041% | 7,871 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0361% | 3,794 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0982% | 5,693 |
| 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% | 1,616 |
| 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 | 0.0128% | 5,504 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0036% | 2,913 |
| Percentage Net Loans Charged-off:Construction & development | 0.0278% | 436 |
| 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 | -0.0050% | 7,835 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0053% | 7,830 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1719% | 2,437 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1368% | 4,979 |
| 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% | 1,405 |
| 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 | 0.0253% | 4,585 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0034% | 2,438 |
| Percentage Net Loans Charged-off:Construction & development | 0.0349% | 340 |
| 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 | -0.0074% | 7,881 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0078% | 7,884 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4917% | 1,396 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1765% | 4,297 |
| 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% | 1,156 |
| 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 | -0.0075% | 6,899 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0099% | 7,927 |
| Percentage Net Loans Charged-off:Construction & development | -0.0009% | 7,701 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 511 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0149% | 8,092 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0157% | 8,096 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,974 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0837% | 4,046 |
| 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% | 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 | 0.0012% | 6,925 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0007% | 7,730 |
| Percentage Net Loans Charged-off:Construction & development | -0.0003% | 7,804 |
| 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 | -0.0010% | 7,845 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0010% | 7,857 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0015% | 4,267 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0539% | 6,302 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,629 |
| 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 | 0.0012% | 6,465 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0008% | 7,664 |
| 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 | -0.0012% | 7,834 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0012% | 7,851 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,624 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0525% | 5,875 |
| 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 | 0.0017% | 5,987 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0011% | 7,708 |
| 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 | -0.0016% | 7,906 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0017% | 7,934 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,054 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0653% | 5,361 |
| 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 | 0.0012% | 5,082 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0003% | 7,774 |
| 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 | -0.0004% | 8,038 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0004% | 8,077 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,138 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0277% | 4,651 |
| 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 | 0.0017% | 7,361 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0009% | 4,062 |
| Percentage Net Loans Charged-off:Construction & development | -0.0010% | 7,920 |
| 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 | 0.0014% | 3,431 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0015% | 3,248 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0080% | 7,553 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0150% | 6,879 |
| Percentage Net Loans Charged-off: Credit card loans | 0.7007% | 1,634 |
| 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 | -0.0005% | 7,928 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0005% | 3,463 |
| Percentage Net Loans Charged-off:Construction & development | -0.0014% | 7,913 |
| 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 | 0.0009% | 2,907 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0009% | 2,763 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0112% | 7,446 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0079% | 8,138 |
| Percentage Net Loans Charged-off: Credit card loans | 0.9769% | 1,467 |
| 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 | 0.0016% | 6,497 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0011% | 2,908 |
| Percentage Net Loans Charged-off:Construction & development | -0.0021% | 7,895 |
| 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 | 0.0019% | 2,385 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0020% | 2,269 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0179% | 7,416 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0154% | 5,986 |
| Percentage Net Loans Charged-off: Credit card loans | 1.6225% | 1,137 |
| 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 | 0.0025% | 5,496 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0008% | 8,045 |
| Percentage Net Loans Charged-off:Construction & development | -0.0046% | 7,884 |
| 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 | -0.0004% | 8,283 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0004% | 8,325 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0374% | 7,472 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0588% | 4,880 |
| Percentage Net Loans Charged-off: Credit card loans | 3.2967% | 674 |
| 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 | 0.0333% | 6,546 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0087% | 3,763 |
| Percentage Net Loans Charged-off:Construction & development | 0.0681% | 699 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0067% | 1,517 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0014% | 3,400 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1114% | 405 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0025% | 8,301 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4605% | 2,909 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2059% | 5,969 |
| Percentage Net Loans Charged-off: Credit card loans | 4.6019% | 573 |
| 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 | 0.0222% | 6,924 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0028% | 3,857 |
| Percentage Net Loans Charged-off:Construction & development | 0.0201% | 764 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0013% | 3,274 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1078% | 407 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0012% | 8,512 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1850% | 3,716 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2005% | 5,981 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0835% | 1,684 |
| 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 | -0.0046% | 8,731 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0029% | 1,294 |
| Percentage Net Loans Charged-off:Construction & development | -0.0069% | 1,367 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0097% | 1,312 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0018% | 1,312 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0185% | 332 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0022% | 1,324 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0722% | 1,378 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0052% | 1,472 |
| Percentage Net Loans Charged-off: Credit card loans | -1.3378% | 1,334 |
| 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 | 0.0473% | 6,137 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0098% | 844 |
| Percentage Net Loans Charged-off:Construction & development | -0.0266% | 1,360 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0493% | 267 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0088% | 871 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0090% | 822 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1206% | 183 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2148% | 1,135 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0925% | 764 |
| 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 | 0.0351% | 6,827 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0158% | 1,311 |
| Percentage Net Loans Charged-off:Construction & development | -0.2740% | 1,356 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1829% | 1,368 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0210% | 672 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0214% | 619 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6560% | 272 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4428% | 887 |
| Percentage Net Loans Charged-off: Credit card loans | 14.2005% | 28 |
| 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 | 0.0052% | 8,344 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0071% | 1,241 |
| Percentage Net Loans Charged-off:Construction & development | -0.0736% | 1,289 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0795% | 1,287 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4520% | 91 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0051% | 1,292 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0052% | 1,293 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0572% | 1,226 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1313% | 1,210 |
| Percentage Net Loans Charged-off: Credit card loans | 1.1833% | 834 |
| 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 | -0.0068% | 9,898 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0289% | 1,380 |
| Percentage Net Loans Charged-off:Construction & development | -0.2280% | 1,385 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1022% | 1,350 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.5142% | 1,414 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0157% | 818 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0159% | 769 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0279% | 81 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0287% | 1,488 |
| Percentage Net Loans Charged-off: Credit card loans | 4.7995% | 214 |
| 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 | -0.0314% | 10,520 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0199% | 1,357 |
| Percentage Net Loans Charged-off:Construction & development | -0.0660% | 1,347 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.3976% | 1,468 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.4849% | 1,409 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0230% | 735 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0866% | 1,324 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0235% | 691 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.6305% | 1,362 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0464% | 1,506 |
| Percentage Net Loans Charged-off: Credit card loans | -0.2365% | 1,313 |
| 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 | -0.0764% | 11,218 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0697% | 1,403 |
| Percentage Net Loans Charged-off:Construction & development | -0.1239% | 1,295 |
| Percentage Net Loans Charged-off: Commercial real estate | -1.0277% | 1,459 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.2648% | 1,373 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0020% | 1,273 |
| Percentage Net Loans Charged-off: Home equity loans | -0.2526% | 1,281 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0009% | 1,251 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.8883% | 1,333 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0279% | 1,264 |
| Percentage Net Loans Charged-off: Credit card loans | -0.2208% | 1,281 |
| 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 | 0.0886% | 7,336 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1292% | 686 |
| Percentage Net Loans Charged-off:Construction & development | 1.2170% | 244 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3646% | 483 |
| Percentage Net Loans Charged-off: Multi-family residential | -1.0576% | 1,424 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0070% | 1,030 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0070% | 976 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.6322% | 1,354 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3019% | 1,507 |
| 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 | 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 | 0.0993% | 8,891 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0407% | 1,119 |
| Percentage Net Loans Charged-off:Construction & development | -0.3997% | 1,475 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1030% | 831 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.5537% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0278% | 915 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0279% | 868 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0627% | 565 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4632% | 1,005 |
| Percentage Net Loans Charged-off: Credit card loans | -4.1857% | 1,337 |
| 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 |