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Harris Bank West, Net charge- offs to loans

2005-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0218%3,915
Percentage Net Loans Charged-off: Total real estate loans0.0032%1,757
Percentage Net Loans Charged-off:Construction & development0.0000%235
Percentage Net Loans Charged-off: Commercial real estate0.0000%511
Percentage Net Loans Charged-off: Multi-family residential0.0000%61
Percentage Net Loans Charged-off: 1-4 family residential0.0051%1,484
Percentage Net Loans Charged-off: Home equity loans0.0034%333
All other 1-4 family - Percent of loans charged-off, net0.0069%1,343
Percentage Net Loans Charged-off: Commercial and industrial0.3919%1,144
Percentage Net Loans Charged-off: Loans to individuals-0.2152%7,703
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.1138%692
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%13
2004-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0421%5,476
Percentage Net Loans Charged-off: Total real estate loans0.0049%3,655
Percentage Net Loans Charged-off:Construction & development0.0000%758
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,548
Percentage Net Loans Charged-off: Multi-family residential0.0000%197
Percentage Net Loans Charged-off: 1-4 family residential0.0079%3,041
Percentage Net Loans Charged-off: Home equity loans0.0107%626
All other 1-4 family - Percent of loans charged-off, net0.0053%2,938
Percentage Net Loans Charged-off: Commercial and industrial0.0078%4,232
Percentage Net Loans Charged-off: Loans to individuals0.2595%5,100
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0655%1,415
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%27
2004-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0496%4,720
Percentage Net Loans Charged-off: Total real estate loans0.0047%3,146
Percentage Net Loans Charged-off:Construction & development0.0000%604
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,213
Percentage Net Loans Charged-off: Multi-family residential0.0000%155
Percentage Net Loans Charged-off: 1-4 family residential0.0076%2,587
Percentage Net Loans Charged-off: Home equity loans0.0094%525
All other 1-4 family - Percent of loans charged-off, net0.0060%2,473
Percentage Net Loans Charged-off: Commercial and industrial0.0177%3,529
Percentage Net Loans Charged-off: Loans to individuals0.2902%4,439
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0704%1,211
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%21
2004-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0490%4,425
Percentage Net Loans Charged-off: Total real estate loans0.0012%2,769
Percentage Net Loans Charged-off:Construction & development0.0000%464
Percentage Net Loans Charged-off: Commercial real estate0.0000%953
Percentage Net Loans Charged-off: Multi-family residential0.0000%116
Percentage Net Loans Charged-off: 1-4 family residential0.0019%2,259
Percentage Net Loans Charged-off: Home equity loans0.0000%431
All other 1-4 family - Percent of loans charged-off, net0.0036%2,103
Percentage Net Loans Charged-off: Commercial and industrial0.1648%2,334
Percentage Net Loans Charged-off: Loans to individuals0.2053%4,592
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0643%1,068
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%19
2004-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0418%3,895
Percentage Net Loans Charged-off: Total real estate loans0.0000%1,955
Percentage Net Loans Charged-off:Construction & development0.0000%286
Percentage Net Loans Charged-off: Commercial real estate0.0000%553
Percentage Net Loans Charged-off: Multi-family residential0.0000%70
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,591
Percentage Net Loans Charged-off: Home equity loans0.0000%291
All other 1-4 family - Percent of loans charged-off, net0.0000%1,471
Percentage Net Loans Charged-off: Commercial and industrial-0.0307%7,101
Percentage Net Loans Charged-off: Loans to individuals0.2518%3,752
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0722%790
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%12
2003-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1413%4,117
Percentage Net Loans Charged-off: Total real estate loans0.1131%1,699
Percentage Net Loans Charged-off:Construction & development0.0000%836
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,593
Percentage Net Loans Charged-off: Multi-family residential0.0000%186
Percentage Net Loans Charged-off: 1-4 family residential0.1965%1,142
Percentage Net Loans Charged-off: Home equity loans0.0068%618
All other 1-4 family - Percent of loans charged-off, net0.3618%682
Percentage Net Loans Charged-off: Commercial and industrial0.0654%4,339
Percentage Net Loans Charged-off: Loans to individuals0.2952%5,351
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.1094%1,518
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%56
2003-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0373%5,671
Percentage Net Loans Charged-off: Total real estate loans0.0051%3,254
Percentage Net Loans Charged-off:Construction & development0.0000%663
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,273
Percentage Net Loans Charged-off: Multi-family residential0.0000%138
Percentage Net Loans Charged-off: 1-4 family residential0.0089%2,680
Percentage Net Loans Charged-off: Home equity loans0.0095%491
All other 1-4 family - Percent of loans charged-off, net0.0085%2,578
Percentage Net Loans Charged-off: Commercial and industrial-0.0339%7,617
Percentage Net Loans Charged-off: Loans to individuals0.1694%5,593
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.1115%1,327
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%45
2003-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0306%5,447
Percentage Net Loans Charged-off: Total real estate loans0.0056%2,775
Percentage Net Loans Charged-off:Construction & development0.0000%523
Percentage Net Loans Charged-off: Commercial real estate0.0000%978
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential0.0100%2,228
Percentage Net Loans Charged-off: Home equity loans0.0060%410
All other 1-4 family - Percent of loans charged-off, net0.0138%2,061
Percentage Net Loans Charged-off: Commercial and industrial-0.1807%8,049
Percentage Net Loans Charged-off: Loans to individuals0.2020%4,993
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.1587%1,088
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%37
2003-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1181%3,115
Percentage Net Loans Charged-off: Total real estate loans0.0017%2,037
Percentage Net Loans Charged-off:Construction & development0.0000%326
Percentage Net Loans Charged-off: Commercial real estate0.0000%618
Percentage Net Loans Charged-off: Multi-family residential0.0000%56
Percentage Net Loans Charged-off: 1-4 family residential0.0030%1,620
Percentage Net Loans Charged-off: Home equity loans0.0000%277
All other 1-4 family - Percent of loans charged-off, net0.0056%1,499
Percentage Net Loans Charged-off: Commercial and industrial0.3185%1,663
Percentage Net Loans Charged-off: Loans to individuals0.3620%3,644
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.2311%747
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%23
2002-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2821%2,869
Percentage Net Loans Charged-off: Total real estate loans0.0450%2,663
Percentage Net Loans Charged-off:Construction & development0.0000%875
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,573
Percentage Net Loans Charged-off: Multi-family residential0.0000%189
Percentage Net Loans Charged-off: 1-4 family residential0.0831%1,876
Percentage Net Loans Charged-off: Home equity loans0.1710%329
All other 1-4 family - Percent of loans charged-off, net0.0153%2,857
Percentage Net Loans Charged-off: Commercial and industrial1.1438%1,707
Percentage Net Loans Charged-off: Loans to individuals0.3676%4,993
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.5421%986
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%51
2001-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1270%4,622
Percentage Net Loans Charged-off: Total real estate loans0.0039%3,805
Percentage Net Loans Charged-off:Construction & development0.0000%831
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,436
Percentage Net Loans Charged-off: Multi-family residential0.0000%192
Percentage Net Loans Charged-off: 1-4 family residential0.0081%3,038
Percentage Net Loans Charged-off: Home equity loans0.0054%596
All other 1-4 family - Percent of loans charged-off, net0.0098%2,827
Percentage Net Loans Charged-off: Commercial and industrial0.4151%2,902
Percentage Net Loans Charged-off: Loans to individuals0.2868%5,395
Percentage Net Loans Charged-off: Credit card loans0.0000%2,107
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.6494%894
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%74
2000-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0372%6,157
Percentage Net Loans Charged-off: Total real estate loans0.0055%860
Percentage Net Loans Charged-off:Construction & development0.0000%266
Percentage Net Loans Charged-off: Commercial real estate0.0000%426
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential0.0124%726
Percentage Net Loans Charged-off: Home equity loans0.0265%319
All other 1-4 family - Percent of loans charged-off, net0.0036%783
Percentage Net Loans Charged-off: Commercial and industrial0.0483%951
Percentage Net Loans Charged-off: Loans to individuals0.3694%912
Percentage Net Loans Charged-off: Credit card loans-0.1994%1,304
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.8001%112
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%23
1999-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2146%3,045
Percentage Net Loans Charged-off: Total real estate loans0.0107%832
Percentage Net Loans Charged-off:Construction & development0.0000%250
Percentage Net Loans Charged-off: Commercial real estate0.0000%415
Percentage Net Loans Charged-off: Multi-family residential0.0000%120
Percentage Net Loans Charged-off: 1-4 family residential0.0239%713
Percentage Net Loans Charged-off: Home equity loans0.0333%319
All other 1-4 family - Percent of loans charged-off, net0.0183%718
Percentage Net Loans Charged-off: Commercial and industrial0.6909%290
Percentage Net Loans Charged-off: Loans to individuals0.8338%543
Percentage Net Loans Charged-off: Credit card loans3.0078%340
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease1.7579%51
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%23
1998-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1345%4,455
Percentage Net Loans Charged-off: Total real estate loans0.0116%803
Percentage Net Loans Charged-off:Construction & development0.0000%229
Percentage Net Loans Charged-off: Commercial real estate0.0000%457
Percentage Net Loans Charged-off: Multi-family residential0.0000%151
Percentage Net Loans Charged-off: 1-4 family residential0.0219%667
Percentage Net Loans Charged-off: Home equity loans0.0385%325
All other 1-4 family - Percent of loans charged-off, net0.0114%718
Percentage Net Loans Charged-off: Commercial and industrial0.4167%410
Percentage Net Loans Charged-off: Loans to individuals1.0788%445
Percentage Net Loans Charged-off: Credit card loans0.0000%973
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%409
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1997-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0462%6,847
Percentage Net Loans Charged-off: Total real estate loans0.0000%1,004
Percentage Net Loans Charged-off:Construction & development0.0000%260
Percentage Net Loans Charged-off: Commercial real estate0.0000%477
Percentage Net Loans Charged-off: Multi-family residential0.0000%192
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,009
Percentage Net Loans Charged-off: Home equity loans0.0000%396
All other 1-4 family - Percent of loans charged-off, net0.0000%952
Percentage Net Loans Charged-off: Commercial and industrial0.1145%691
Percentage Net Loans Charged-off: Loans to individuals0.5848%826
Percentage Net Loans Charged-off: Credit card loans2.3424%593
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%386
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1996-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2781%3,176
Percentage Net Loans Charged-off: Total real estate loans0.0742%505
Percentage Net Loans Charged-off:Construction & development0.0000%284
Percentage Net Loans Charged-off: Commercial real estate0.1459%315
Percentage Net Loans Charged-off: Multi-family residential0.0000%233
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,048
Percentage Net Loans Charged-off: Home equity loans0.0000%412
All other 1-4 family - Percent of loans charged-off, net0.0000%995
Percentage Net Loans Charged-off: Commercial and industrial0.5593%310
Percentage Net Loans Charged-off: Loans to individuals4.0359%83
Percentage Net Loans Charged-off: Credit card loans0.6219%959
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%444
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1995-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0656%10,884
Percentage Net Loans Charged-off: Total real estate loans0.0000%1,049
Percentage Net Loans Charged-off:Construction & development0.0000%344
Percentage Net Loans Charged-off: Commercial real estate0.0000%615
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,034
Percentage Net Loans Charged-off: Home equity loans0.0000%403
All other 1-4 family - Percent of loans charged-off, net0.0000%989
Percentage Net Loans Charged-off: Commercial and industrial-0.7356%1,376
Percentage Net Loans Charged-off: Loans to individuals1.6444%188
Percentage Net Loans Charged-off: Credit card loans-0.2082%1,311
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%433
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1994-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3100%2,921
Percentage Net Loans Charged-off: Total real estate loans-0.0018%1,229
Percentage Net Loans Charged-off:Construction & development0.0000%353
Percentage Net Loans Charged-off: Commercial real estate0.0000%668
Percentage Net Loans Charged-off: Multi-family residential0.0000%332
Percentage Net Loans Charged-off: 1-4 family residential-0.0047%1,305
Percentage Net Loans Charged-off: Home equity loans0.0000%393
All other 1-4 family - Percent of loans charged-off, net-0.0095%1,333
Percentage Net Loans Charged-off: Commercial and industrial1.5246%139
Percentage Net Loans Charged-off: Loans to individuals1.0456%292
Percentage Net Loans Charged-off: Credit card loans1.7294%489
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%371
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1993-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1711%5,793
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1992-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1484%8,054
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA