Home > Horizon Bank > Net charge- offs to loans

Horizon Bank, Net charge- offs to loans

2009-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans9.0480%50
Percentage Net Loans Charged-off: Total real estate loans9.0297%62
Percentage Net Loans Charged-off:Construction & development20.4016%202
Percentage Net Loans Charged-off: Commercial real estate0.0000%3,404
Percentage Net Loans Charged-off: Multi-family residential0.0000%922
Percentage Net Loans Charged-off: 1-4 family residential1.6610%795
Percentage Net Loans Charged-off: Home equity loans0.9607%873
All other 1-4 family - Percent of loans charged-off, net1.8611%716
Percentage Net Loans Charged-off: Commercial and industrial9.4105%296
Percentage Net Loans Charged-off: Loans to individuals15.5996%77
Percentage Net Loans Charged-off: Credit card loans11.3128%132
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%2,150
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2009-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans11.2613%35
Percentage Net Loans Charged-off: Total real estate loans11.1580%37
Percentage Net Loans Charged-off:Construction & development24.2177%125
Percentage Net Loans Charged-off: Commercial real estate0.2301%1,875
Percentage Net Loans Charged-off: Multi-family residential0.0000%708
Percentage Net Loans Charged-off: 1-4 family residential2.0573%513
Percentage Net Loans Charged-off: Home equity loans1.2612%598
All other 1-4 family - Percent of loans charged-off, net2.2829%466
Percentage Net Loans Charged-off: Commercial and industrial12.1516%159
Percentage Net Loans Charged-off: Loans to individuals17.6595%69
Percentage Net Loans Charged-off: Credit card loans9.9489%155
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,898
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2009-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans8.5269%86
Percentage Net Loans Charged-off: Total real estate loans8.3849%81
Percentage Net Loans Charged-off:Construction & development17.2886%208
Percentage Net Loans Charged-off: Commercial real estate0.0000%2,247
Percentage Net Loans Charged-off: Multi-family residential0.0000%531
Percentage Net Loans Charged-off: 1-4 family residential2.1027%472
Percentage Net Loans Charged-off: Home equity loans0.6004%782
All other 1-4 family - Percent of loans charged-off, net2.5263%385
Percentage Net Loans Charged-off: Commercial and industrial9.2091%280
Percentage Net Loans Charged-off: Loans to individuals23.8997%49
Percentage Net Loans Charged-off: Credit card loans12.0174%105
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,633
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2009-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans8.8426%76
Percentage Net Loans Charged-off: Total real estate loans9.5819%54
Percentage Net Loans Charged-off:Construction & development18.7076%151
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,395
Percentage Net Loans Charged-off: Multi-family residential0.0000%309
Percentage Net Loans Charged-off: 1-4 family residential3.3315%228
Percentage Net Loans Charged-off: Home equity loans1.1876%401
All other 1-4 family - Percent of loans charged-off, net3.9407%188
Percentage Net Loans Charged-off: Commercial and industrial4.9975%443
Percentage Net Loans Charged-off: Loans to individuals30.3608%36
Percentage Net Loans Charged-off: Credit card loans6.4418%283
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,234
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2008-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans1.5862%721
Percentage Net Loans Charged-off: Total real estate loans1.8766%449
Percentage Net Loans Charged-off:Construction & development3.6571%696
Percentage Net Loans Charged-off: Commercial real estate0.0000%2,362
Percentage Net Loans Charged-off: Multi-family residential0.0000%546
Percentage Net Loans Charged-off: 1-4 family residential0.0769%3,106
Percentage Net Loans Charged-off: Home equity loans0.0000%1,398
All other 1-4 family - Percent of loans charged-off, net0.0952%2,761
Percentage Net Loans Charged-off: Commercial and industrial0.0206%4,501
Percentage Net Loans Charged-off: Loans to individuals2.3008%814
Percentage Net Loans Charged-off: Credit card loans3.1237%496
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,901
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2008-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans1.0016%846
Percentage Net Loans Charged-off: Total real estate loans1.1735%528
Percentage Net Loans Charged-off:Construction & development2.2909%664
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,766
Percentage Net Loans Charged-off: Multi-family residential0.0000%377
Percentage Net Loans Charged-off: 1-4 family residential0.0075%3,397
Percentage Net Loans Charged-off: Home equity loans0.0000%1,108
All other 1-4 family - Percent of loans charged-off, net0.0091%3,140
Percentage Net Loans Charged-off: Commercial and industrial0.0288%3,698
Percentage Net Loans Charged-off: Loans to individuals1.9700%854
Percentage Net Loans Charged-off: Credit card loans2.5832%518
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,634
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2008-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.6082%1,152
Percentage Net Loans Charged-off: Total real estate loans0.6964%694
Percentage Net Loans Charged-off:Construction & development1.3757%639
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,334
Percentage Net Loans Charged-off: Multi-family residential0.0000%250
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,841
Percentage Net Loans Charged-off: Home equity loans0.0000%889
All other 1-4 family - Percent of loans charged-off, net0.0000%2,615
Percentage Net Loans Charged-off: Commercial and industrial0.0530%2,879
Percentage Net Loans Charged-off: Loans to individuals2.2881%644
Percentage Net Loans Charged-off: Credit card loans3.0981%418
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,409
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2008-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2564%1,842
Percentage Net Loans Charged-off: Total real estate loans0.2671%1,051
Percentage Net Loans Charged-off:Construction & development0.5319%623
Percentage Net Loans Charged-off: Commercial real estate0.0000%813
Percentage Net Loans Charged-off: Multi-family residential0.0000%134
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,939
Percentage Net Loans Charged-off: Home equity loans0.0000%563
All other 1-4 family - Percent of loans charged-off, net0.0000%1,774
Percentage Net Loans Charged-off: Commercial and industrial0.1119%1,821
Percentage Net Loans Charged-off: Loans to individuals2.6134%546
Percentage Net Loans Charged-off: Credit card loans3.3728%361
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,048
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0158%5,951
Percentage Net Loans Charged-off: Total real estate loans0.0014%4,198
Percentage Net Loans Charged-off:Construction & development0.0028%1,558
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,679
Percentage Net Loans Charged-off: Multi-family residential0.0000%289
Percentage Net Loans Charged-off: 1-4 family residential0.0000%3,352
Percentage Net Loans Charged-off: Home equity loans0.0000%938
All other 1-4 family - Percent of loans charged-off, net0.0000%3,111
Percentage Net Loans Charged-off: Commercial and industrial0.0448%3,608
Percentage Net Loans Charged-off: Loans to individuals1.6174%886
Percentage Net Loans Charged-off: Credit card loans0.9053%962
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,751
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0177%5,201
Percentage Net Loans Charged-off: Total real estate loans0.0000%3,385
Percentage Net Loans Charged-off:Construction & development0.0000%1,085
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,176
Percentage Net Loans Charged-off: Multi-family residential0.0000%199
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,699
Percentage Net Loans Charged-off: Home equity loans0.0000%720
All other 1-4 family - Percent of loans charged-off, net0.0000%2,489
Percentage Net Loans Charged-off: Commercial and industrial0.0615%2,852
Percentage Net Loans Charged-off: Loans to individuals1.7682%670
Percentage Net Loans Charged-off: Credit card loans0.8426%870
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,521
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0198%4,541
Percentage Net Loans Charged-off: Total real estate loans0.0000%2,712
Percentage Net Loans Charged-off:Construction & development0.0000%770
Percentage Net Loans Charged-off: Commercial real estate0.0000%881
Percentage Net Loans Charged-off: Multi-family residential0.0000%143
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,135
Percentage Net Loans Charged-off: Home equity loans0.0000%541
All other 1-4 family - Percent of loans charged-off, net0.0000%1,964
Percentage Net Loans Charged-off: Commercial and industrial0.0935%2,216
Percentage Net Loans Charged-off: Loans to individuals1.4117%856
Percentage Net Loans Charged-off: Credit card loans0.3209%932
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,336
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0299%3,413
Percentage Net Loans Charged-off: Total real estate loans0.0000%1,851
Percentage Net Loans Charged-off:Construction & development0.0000%444
Percentage Net Loans Charged-off: Commercial real estate0.0000%529
Percentage Net Loans Charged-off: Multi-family residential0.0000%76
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,473
Percentage Net Loans Charged-off: Home equity loans0.0000%371
All other 1-4 family - Percent of loans charged-off, net0.0000%1,345
Percentage Net Loans Charged-off: Commercial and industrial0.1976%1,293
Percentage Net Loans Charged-off: Loans to individuals0.7900%1,568
Percentage Net Loans Charged-off: Credit card loans0.0000%790
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%964
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0107%5,760
Percentage Net Loans Charged-off: Total real estate loans-0.0034%7,700
Percentage Net Loans Charged-off:Construction & development0.0000%832
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,308
Percentage Net Loans Charged-off: Multi-family residential0.0000%200
Percentage Net Loans Charged-off: 1-4 family residential-0.0218%8,070
Percentage Net Loans Charged-off: Home equity loans0.0000%709
All other 1-4 family - Percent of loans charged-off, net-0.0266%8,063
Percentage Net Loans Charged-off: Commercial and industrial0.0022%3,704
Percentage Net Loans Charged-off: Loans to individuals2.4456%405
Percentage Net Loans Charged-off: Credit card loans2.6214%441
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,606
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0156%4,945
Percentage Net Loans Charged-off: Total real estate loans-0.0002%7,389
Percentage Net Loans Charged-off:Construction & development0.0000%620
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,012
Percentage Net Loans Charged-off: Multi-family residential0.0000%150
Percentage Net Loans Charged-off: 1-4 family residential-0.0010%7,630
Percentage Net Loans Charged-off: Home equity loans0.0000%550
All other 1-4 family - Percent of loans charged-off, net-0.0012%7,648
Percentage Net Loans Charged-off: Commercial and industrial0.0030%3,085
Percentage Net Loans Charged-off: Loans to individuals2.7483%313
Percentage Net Loans Charged-off: Credit card loans3.5440%278
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,412
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0149%4,540
Percentage Net Loans Charged-off: Total real estate loans-0.0002%7,409
Percentage Net Loans Charged-off:Construction & development0.0000%466
Percentage Net Loans Charged-off: Commercial real estate0.0000%815
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential-0.0015%7,689
Percentage Net Loans Charged-off: Home equity loans0.0000%426
All other 1-4 family - Percent of loans charged-off, net-0.0019%7,709
Percentage Net Loans Charged-off: Commercial and industrial0.0048%2,631
Percentage Net Loans Charged-off: Loans to individuals2.5754%344
Percentage Net Loans Charged-off: Credit card loans3.2396%332
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,212
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0178%3,690
Percentage Net Loans Charged-off: Total real estate loans0.0000%1,638
Percentage Net Loans Charged-off:Construction & development0.0000%268
Percentage Net Loans Charged-off: Commercial real estate0.0000%498
Percentage Net Loans Charged-off: Multi-family residential0.0000%51
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,349
Percentage Net Loans Charged-off: Home equity loans0.0000%311
All other 1-4 family - Percent of loans charged-off, net0.0000%1,244
Percentage Net Loans Charged-off: Commercial and industrial0.0000%1,732
Percentage Net Loans Charged-off: Loans to individuals3.0958%313
Percentage Net Loans Charged-off: Credit card loans3.5458%308
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%911
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0287%5,377
Percentage Net Loans Charged-off: Total real estate loans0.0000%3,553
Percentage Net Loans Charged-off:Construction & development0.0000%694
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,340
Percentage Net Loans Charged-off: Multi-family residential0.0000%187
Percentage Net Loans Charged-off: 1-4 family residential0.0000%3,059
Percentage Net Loans Charged-off: Home equity loans0.0000%682
All other 1-4 family - Percent of loans charged-off, net0.0000%2,850
Percentage Net Loans Charged-off: Commercial and industrial0.1517%3,031
Percentage Net Loans Charged-off: Loans to individuals1.8232%785
Percentage Net Loans Charged-off: Credit card loans1.8792%866
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,616
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0333%4,728
Percentage Net Loans Charged-off: Total real estate loans0.0000%3,051
Percentage Net Loans Charged-off:Construction & development0.0000%541
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,046
Percentage Net Loans Charged-off: Multi-family residential0.0000%151
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,617
Percentage Net Loans Charged-off: Home equity loans0.0000%562
All other 1-4 family - Percent of loans charged-off, net0.0000%2,434
Percentage Net Loans Charged-off: Commercial and industrial0.1960%2,357
Percentage Net Loans Charged-off: Loans to individuals1.8424%702
Percentage Net Loans Charged-off: Credit card loans2.1944%675
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,405
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0419%4,098
Percentage Net Loans Charged-off: Total real estate loans0.0000%2,541
Percentage Net Loans Charged-off:Construction & development0.0000%425
Percentage Net Loans Charged-off: Commercial real estate0.0000%810
Percentage Net Loans Charged-off: Multi-family residential0.0000%111
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,147
Percentage Net Loans Charged-off: Home equity loans0.0000%450
All other 1-4 family - Percent of loans charged-off, net0.0000%1,976
Percentage Net Loans Charged-off: Commercial and industrial0.2930%1,762
Percentage Net Loans Charged-off: Loans to individuals1.4088%1,037
Percentage Net Loans Charged-off: Credit card loans2.1812%657
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,156
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0639%2,980
Percentage Net Loans Charged-off: Total real estate loans0.0000%1,814
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 residential0.0000%1,540
Percentage Net Loans Charged-off: Home equity loans0.0000%338
All other 1-4 family - Percent of loans charged-off, net0.0000%1,404
Percentage Net Loans Charged-off: Commercial and industrial0.4702%1,056
Percentage Net Loans Charged-off: Loans to individuals1.8233%766
Percentage Net Loans Charged-off: Credit card loans3.0282%444
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%839
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0046%7,936
Percentage Net Loans Charged-off: Total real estate loans0.0000%3,891
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 residential0.0000%3,241
Percentage Net Loans Charged-off: Home equity loans0.0000%657
All other 1-4 family - Percent of loans charged-off, net0.0000%3,066
Percentage Net Loans Charged-off: Commercial and industrial-0.2133%7,960
Percentage Net Loans Charged-off: Loans to individuals2.4986%537
Percentage Net Loans Charged-off: Credit card loans6.4187%228
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,643
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0139%7,902
Percentage Net Loans Charged-off: Total real estate loans0.0000%3,318
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 residential0.0000%2,765
Percentage Net Loans Charged-off: Home equity loans0.0000%554
All other 1-4 family - Percent of loans charged-off, net0.0000%2,599
Percentage Net Loans Charged-off: Commercial and industrial-0.2856%8,003
Percentage Net Loans Charged-off: Loans to individuals2.3822%538
Percentage Net Loans Charged-off: Credit card loans6.1400%240
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,414
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0219%7,873
Percentage Net Loans Charged-off: Total real estate loans0.0000%2,799
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 residential0.0000%2,286
Percentage Net Loans Charged-off: Home equity loans0.0000%431
All other 1-4 family - Percent of loans charged-off, net0.0000%2,147
Percentage Net Loans Charged-off: Commercial and industrial-0.4389%8,125
Percentage Net Loans Charged-off: Loans to individuals3.6138%294
Percentage Net Loans Charged-off: Credit card loans9.2971%116
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,207
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0247%4,311
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-0.0219%7,026
Percentage Net Loans Charged-off: Loans to individuals3.0710%457
Percentage Net Loans Charged-off: Credit card loans8.5189%172
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%887
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0453%5,993
Percentage Net Loans Charged-off: Total real estate loans0.0039%3,904
Percentage Net Loans Charged-off:Construction & development0.0000%836
Percentage Net Loans Charged-off: Commercial real estate0.0103%1,513
Percentage Net Loans Charged-off: Multi-family residential0.0000%186
Percentage Net Loans Charged-off: 1-4 family residential0.0000%3,467
Percentage Net Loans Charged-off: Home equity loans0.0000%639
All other 1-4 family - Percent of loans charged-off, net0.0000%3,279
Percentage Net Loans Charged-off: Commercial and industrial0.2894%3,282
Percentage Net Loans Charged-off: Loans to individuals1.2233%1,820
Percentage Net Loans Charged-off: Credit card loans3.4726%723
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,856
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0600%5,139
Percentage Net Loans Charged-off: Total real estate loans0.0052%3,248
Percentage Net Loans Charged-off:Construction & development0.0000%663
Percentage Net Loans Charged-off: Commercial real estate0.0145%1,179
Percentage Net Loans Charged-off: Multi-family residential0.0000%138
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,919
Percentage Net Loans Charged-off: Home equity loans0.0000%519
All other 1-4 family - Percent of loans charged-off, net0.0000%2,778
Percentage Net Loans Charged-off: Commercial and industrial0.4014%2,442
Percentage Net Loans Charged-off: Loans to individuals1.4225%1,340
Percentage Net Loans Charged-off: Credit card loans4.0806%577
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,617
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0930%4,103
Percentage Net Loans Charged-off: Total real estate loans0.0078%2,701
Percentage Net Loans Charged-off:Construction & development0.0000%523
Percentage Net Loans Charged-off: Commercial real estate0.0234%886
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,402
Percentage Net Loans Charged-off: Home equity loans0.0000%421
All other 1-4 family - Percent of loans charged-off, net0.0000%2,287
Percentage Net Loans Charged-off: Commercial and industrial0.8262%1,466
Percentage Net Loans Charged-off: Loans to individuals0.5551%3,353
Percentage Net Loans Charged-off: Credit card loans1.5332%1,177
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,407
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0108%5,190
Percentage Net Loans Charged-off: Total real estate loans0.0157%1,785
Percentage Net Loans Charged-off:Construction & development0.0000%326
Percentage Net Loans Charged-off: Commercial real estate0.0496%518
Percentage Net Loans Charged-off: Multi-family residential0.0000%56
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,648
Percentage Net Loans Charged-off: Home equity loans0.0000%277
All other 1-4 family - Percent of loans charged-off, net0.0000%1,550
Percentage Net Loans Charged-off: Commercial and industrial0.0000%2,449
Percentage Net Loans Charged-off: Loans to individuals-0.3466%8,501
Percentage Net Loans Charged-off: Credit card loans-1.0262%2,675
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%993
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2002-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0255%6,746
Percentage Net Loans Charged-off: Total real estate loans0.0065%3,846
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 residential0.0123%3,062
Percentage Net Loans Charged-off: Home equity loans0.0000%614
All other 1-4 family - Percent of loans charged-off, net0.0127%2,906
Percentage Net Loans Charged-off: Commercial and industrial0.0806%4,362
Percentage Net Loans Charged-off: Loans to individuals1.6387%1,216
Percentage Net Loans Charged-off: Credit card loans4.1980%649
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,956
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2001-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0943%5,211
Percentage Net Loans Charged-off: Total real estate loans0.0656%2,129
Percentage Net Loans Charged-off:Construction & development0.0000%831
Percentage Net Loans Charged-off: Commercial real estate0.0775%1,019
Percentage Net Loans Charged-off: Multi-family residential0.0000%192
Percentage Net Loans Charged-off: 1-4 family residential0.0736%1,808
Percentage Net Loans Charged-off: Home equity loans0.0000%610
All other 1-4 family - Percent of loans charged-off, net0.0747%1,727
Percentage Net Loans Charged-off: Commercial and industrial0.5406%2,585
Percentage Net Loans Charged-off: Loans to individuals1.5230%1,255
Percentage Net Loans Charged-off: Credit card loans3.7426%683
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,876
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2000-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0589%5,569
Percentage Net Loans Charged-off: Total real estate loans0.0233%611
Percentage Net Loans Charged-off:Construction & development0.0000%266
Percentage Net Loans Charged-off: Commercial real estate0.0551%255
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential0.0197%646
Percentage Net Loans Charged-off: Home equity loans0.0000%364
All other 1-4 family - Percent of loans charged-off, net0.0199%600
Percentage Net Loans Charged-off: Commercial and industrial0.9098%273
Percentage Net Loans Charged-off: Loans to individuals1.5493%243
Percentage Net Loans Charged-off: Credit card loans3.2042%286
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%385
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1999-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0088%7,535
Percentage Net Loans Charged-off: Total real estate loans0.0026%964
Percentage Net Loans Charged-off:Construction & development0.0000%250
Percentage Net Loans Charged-off: Commercial real estate0.0188%346
Percentage Net Loans Charged-off: Multi-family residential0.0000%120
Percentage Net Loans Charged-off: 1-4 family residential0.0000%995
Percentage Net Loans Charged-off: Home equity loans0.0000%369
All other 1-4 family - Percent of loans charged-off, net0.0000%944
Percentage Net Loans Charged-off: Commercial and industrial0.0000%1,003
Percentage Net Loans Charged-off: Loans to individuals0.8085%556
Percentage Net Loans Charged-off: Credit card loans1.0069%790
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%415
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1998-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0784%5,619
Percentage Net Loans Charged-off: Total real estate loans0.0775%361
Percentage Net Loans Charged-off:Construction & development0.0000%229
Percentage Net Loans Charged-off: Commercial real estate0.6883%49
Percentage Net Loans Charged-off: Multi-family residential0.0000%151
Percentage Net Loans Charged-off: 1-4 family residential0.0325%599
Percentage Net Loans Charged-off: Home equity loans0.0000%385
All other 1-4 family - Percent of loans charged-off, net0.0326%548
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individuals0.0000%1,315
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 lease0.0000%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 loans0.0181%7,805
Percentage Net Loans Charged-off: Total real estate loans0.0179%763
Percentage Net Loans Charged-off:Construction & development0.0000%260
Percentage Net Loans Charged-off: Commercial real estate0.2471%154
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 industrialNANA
Percentage Net Loans Charged-off: Loans to individuals0.0000%1,313
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 lease0.0000%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 loans0.0000%8,805
Percentage Net Loans Charged-off: Total real estate loans0.0000%1,050
Percentage Net Loans Charged-off:Construction & development0.0000%284
Percentage Net Loans Charged-off: Commercial real estate0.0000%559
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 industrialNANA
Percentage Net Loans Charged-off: Loans to individuals0.0000%1,371
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 lease0.0000%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-0.0200%10,333
Percentage Net Loans Charged-off: Total real estate loans-0.0196%1,356
Percentage Net Loans Charged-off:Construction & development0.0000%344
Percentage Net Loans Charged-off: Commercial real estate-0.1610%1,393
Percentage Net Loans Charged-off: Multi-family residential0.0000%281
Percentage Net Loans Charged-off: 1-4 family residential-0.0050%1,355
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net-0.0050%1,357
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individuals0.0000%1,350
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 lease0.0000%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 loans0.0286%7,716
Percentage Net Loans Charged-off: Total real estate loans0.0281%836
Percentage Net Loans Charged-off:Construction & development0.0000%353
Percentage Net Loans Charged-off: Commercial real estate0.2562%380
Percentage Net Loans Charged-off: Multi-family residential0.0000%332
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,024
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net0.0000%974
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individuals0.0000%1,287
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 lease0.0000%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 loans0.1095%6,901
Percentage Net Loans Charged-off: Total real estate loans0.1076%730
Percentage Net Loans Charged-off:Construction & development-0.3067%1,390
Percentage Net Loans Charged-off: Commercial real estate1.0311%277
Percentage Net Loans Charged-off: Multi-family residential0.0000%368
Percentage Net Loans Charged-off: 1-4 family residential-0.0048%1,372
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net-0.0048%1,364
Percentage Net Loans Charged-off: Commercial and industrial0.0000%929
Percentage Net Loans Charged-off: Loans to individuals0.0000%1,311
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 lease0.0000%423
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1992-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0288%10,384
Percentage Net Loans Charged-off: Total real estate loans0.0285%1,165
Percentage Net Loans Charged-off:Construction & development0.3512%496
Percentage Net Loans Charged-off: Commercial real estate0.0478%893
Percentage Net Loans Charged-off: Multi-family residential0.0000%418
Percentage Net Loans Charged-off: 1-4 family residential0.0158%1,015
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net0.0158%957
Percentage Net Loans Charged-off: Commercial and industrial0.0000%1,086
Percentage Net Loans Charged-off: Loans to individuals0.0000%1,404
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 lease0.0000%479
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA