Home > IronStone Bank > Net charge- offs to loans
IronStone Bank, Net charge- offs to loans
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7624% | 2,734 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1987% | 4,230 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,381 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,630 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2653% | 1,123 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1534% | 782 |
| All other 1-4 family - Percent of loans charged-off, net | 1.4168% | 989 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.0649% | 1,120 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.0885% | 308 |
| Percentage Net Loans Charged-off: Credit card loans | 8.1504% | 147 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7940% | 2,462 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2204% | 3,771 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,073 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,182 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3808% | 903 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2934% | 669 |
| All other 1-4 family - Percent of loans charged-off, net | 1.4992% | 842 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.0795% | 984 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.6297% | 242 |
| Percentage Net Loans Charged-off: Credit card loans | 8.7056% | 142 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,786 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7693% | 2,322 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2285% | 3,415 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,687 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,645 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.4162% | 854 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5271% | 524 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2668% | 951 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.9366% | 987 |
| Percentage Net Loans Charged-off: Loans to individuals | 6.0609% | 242 |
| Percentage Net Loans Charged-off: Credit card loans | 9.6841% | 126 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7909% | 1,941 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2213% | 2,817 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,022 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,882 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3469% | 806 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2684% | 493 |
| All other 1-4 family - Percent of loans charged-off, net | 1.4518% | 754 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.0999% | 762 |
| Percentage Net Loans Charged-off: Loans to individuals | 7.0863% | 226 |
| Percentage Net Loans Charged-off: Credit card loans | 11.1969% | 115 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,171 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.3530% | 1,844 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1649% | 1,718 |
| Percentage Net Loans Charged-off:Construction & development | 9.7100% | 630 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,404 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.5297% | 880 |
| Percentage Net Loans Charged-off: Home equity loans | 2.2576% | 458 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5879% | 1,797 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5305% | 2,269 |
| Percentage Net Loans Charged-off: Loans to individuals | 14.9338% | 81 |
| Percentage Net Loans Charged-off: Credit card loans | 12.9301% | 101 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 2,150 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.4990% | 1,368 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4796% | 1,143 |
| Percentage Net Loans Charged-off:Construction & development | 12.3739% | 360 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,820 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.5837% | 707 |
| Percentage Net Loans Charged-off: Home equity loans | 2.3003% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6660% | 1,391 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9180% | 2,466 |
| Percentage Net Loans Charged-off: Loans to individuals | 16.3944% | 72 |
| Percentage Net Loans Charged-off: Credit card loans | 13.5109% | 86 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,898 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.6474% | 1,147 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6752% | 906 |
| Percentage Net Loans Charged-off:Construction & development | 12.9588% | 321 |
| 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 | 1.7465% | 574 |
| Percentage Net Loans Charged-off: Home equity loans | 2.5061% | 295 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7778% | 1,116 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8796% | 2,131 |
| Percentage Net Loans Charged-off: Loans to individuals | 16.5495% | 81 |
| Percentage Net Loans Charged-off: Credit card loans | 13.3045% | 97 |
| 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 | NA | NA |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1031% | 1,235 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0065% | 1,012 |
| Percentage Net Loans Charged-off:Construction & development | 6.0994% | 471 |
| 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 | 1.7592% | 450 |
| Percentage Net Loans Charged-off: Home equity loans | 2.3354% | 255 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0248% | 704 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7826% | 1,585 |
| Percentage Net Loans Charged-off: Loans to individuals | 17.4756% | 65 |
| Percentage Net Loans Charged-off: Credit card loans | 7.4884% | 239 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,234 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0657% | 1,149 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5163% | 1,655 |
| Percentage Net Loans Charged-off:Construction & development | 2.7045% | 900 |
| 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 | 0.6015% | 1,033 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2000% | 390 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0469% | 7,939 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.6063% | 569 |
| Percentage Net Loans Charged-off: Loans to individuals | 8.3510% | 112 |
| Percentage Net Loans Charged-off: Credit card loans | 7.8604% | 122 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,901 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8335% | 1,039 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0829% | 3,100 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,246 |
| 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 | 0.4719% | 943 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9869% | 355 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0653% | 7,983 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.6439% | 294 |
| Percentage Net Loans Charged-off: Loans to individuals | 6.7937% | 143 |
| Percentage Net Loans Charged-off: Credit card loans | 7.0974% | 130 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,634 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6691% | 1,059 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0920% | 2,442 |
| 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 | 0.5182% | 755 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0372% | 295 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,615 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.7726% | 321 |
| Percentage Net Loans Charged-off: Loans to individuals | 6.0054% | 155 |
| Percentage Net Loans Charged-off: Credit card loans | 5.3242% | 218 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3420% | 1,486 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0447% | 2,167 |
| 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 | 0.2512% | 948 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5046% | 314 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,774 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7147% | 538 |
| Percentage Net Loans Charged-off: Loans to individuals | 9.0981% | 91 |
| Percentage Net Loans Charged-off: Credit card loans | 6.8029% | 142 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1314% | 3,470 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0355% | 3,131 |
| 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 | 0.1842% | 1,314 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3459% | 413 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0223% | 2,693 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8537% | 1,334 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7912% | 762 |
| Percentage Net Loans Charged-off: Credit card loans | 3.2369% | 369 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,751 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1027% | 3,141 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0092% | 3,052 |
| 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 | 0.0469% | 1,932 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0724% | 586 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0214% | 2,122 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8179% | 1,071 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9749% | 569 |
| Percentage Net Loans Charged-off: Credit card loans | 3.9486% | 265 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,521 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1243% | 2,439 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0140% | 2,331 |
| 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 | 0.0692% | 1,395 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1074% | 407 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0315% | 1,590 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0484% | 778 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3381% | 918 |
| Percentage Net Loans Charged-off: Credit card loans | 4.0654% | 240 |
| 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 | NA | NA |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0395% | 3,184 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0292% | 1,425 |
| 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 | 0.1423% | 767 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1965% | 243 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0872% | 872 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3698% | 1,031 |
| Percentage Net Loans Charged-off: Loans to individuals | -2.6874% | 8,390 |
| Percentage Net Loans Charged-off: Credit card loans | 2.9109% | 374 |
| 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 | NA | NA |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1241% | 2,873 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0192% | 2,741 |
| 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 | 0.0851% | 1,553 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1075% | 449 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0618% | 1,734 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0648% | 960 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4751% | 395 |
| Percentage Net Loans Charged-off: Credit card loans | 3.6557% | 290 |
| 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 | 0.0564% | 3,594 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0119% | 2,465 |
| 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 | 0.0520% | 1,595 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0792% | 389 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0234% | 1,880 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4498% | 1,374 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2076% | 1,033 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2923% | 495 |
| 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 | 0.0704% | 2,985 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0173% | 1,973 |
| 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 | 0.0744% | 1,198 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1154% | 275 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0308% | 1,500 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5925% | 1,051 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9875% | 1,280 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9931% | 542 |
| 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 | 0.0332% | 3,207 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0068% | 1,527 |
| 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 | 0.0284% | 1,113 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0424% | 270 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0135% | 1,134 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1222% | 1,335 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2692% | 493 |
| Percentage Net Loans Charged-off: Credit card loans | 4.1511% | 257 |
| 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 | 0.2398% | 1,971 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0195% | 2,736 |
| 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 | 0.0699% | 1,740 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0627% | 492 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0777% | 1,600 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.4329% | 307 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4680% | 1,101 |
| Percentage Net Loans Charged-off: Credit card loans | 4.4176% | 318 |
| 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 | 0.3153% | 1,278 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0223% | 2,275 |
| 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 | 0.0776% | 1,425 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0578% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0989% | 1,226 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.0010% | 175 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1193% | 1,419 |
| Percentage Net Loans Charged-off: Credit card loans | 4.6476% | 273 |
| 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 | 0.1224% | 2,584 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0309% | 1,784 |
| 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 | 0.1043% | 1,079 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0774% | 313 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1337% | 918 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7293% | 592 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1319% | 4,578 |
| Percentage Net Loans Charged-off: Credit card loans | 0.3321% | 1,146 |
| 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 | 0.0776% | 2,749 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0404% | 1,236 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| 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 | 0.1304% | 789 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1130% | 214 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1492% | 711 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8417% | 779 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.5493% | 8,201 |
| 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 | 0.0973% | 4,249 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0349% | 2,652 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,548 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0909% | 1,669 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1184% | 374 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0658% | 1,910 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6215% | 1,887 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.8487% | 244 |
| 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 | 0.0645% | 4,366 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0290% | 2,386 |
| 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 | 0.0724% | 1,619 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1203% | 313 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0298% | 2,026 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0717% | 3,178 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.7567% | 247 |
| 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 | 0.0641% | 4,049 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0108% | 2,463 |
| 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 | 0.0257% | 1,875 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0205% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0301% | 1,717 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1086% | 2,539 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.1498% | 158 |
| 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 | 0.0358% | 4,024 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0093% | 1,807 |
| 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 | 0.0210% | 1,414 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0099% | 276 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0298% | 1,255 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0269% | 2,065 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.6040% | 605 |
| 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 | 0.0830% | 5,145 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0372% | 2,806 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,593 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0767% | 2,001 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0879% | 425 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0701% | 2,030 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4391% | 2,788 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8578% | 969 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7996% | 1,250 |
| 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 | 0.1012% | 4,295 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0413% | 2,290 |
| 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 | 0.0844% | 1,597 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0917% | 337 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0803% | 1,600 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5869% | 2,034 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1650% | 690 |
| Percentage Net Loans Charged-off: Credit card loans | 2.4488% | 990 |
| 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 | 0.1429% | 3,357 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0593% | 1,739 |
| 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 | 0.1194% | 1,173 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1366% | 244 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1106% | 1,192 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8649% | 1,436 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.7002% | 504 |
| Percentage Net Loans Charged-off: Credit card loans | 3.8948% | 609 |
| 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 | 0.0836% | 3,604 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0373% | 1,540 |
| 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 | 0.0722% | 1,137 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1040% | 976 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1002% | 2,134 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.8510% | 534 |
| Percentage Net Loans Charged-off: Credit card loans | 7.1016% | 286 |
| 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 | 0.1238% | 4,731 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0574% | 2,409 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,573 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1089% | 1,584 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1628% | 336 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0925% | 1,730 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9755% | 1,929 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3063% | 1,699 |
| Percentage Net Loans Charged-off: Credit card loans | 3.2021% | 878 |
| 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 | 0.1093% | 4,934 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0467% | 2,425 |
| Percentage Net Loans Charged-off:Construction & development | 0.0891% | 600 |
| 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 | 0.0413% | 2,250 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0474% | 2,059 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9913% | 1,820 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9425% | 2,423 |
| Percentage Net Loans Charged-off: Credit card loans | 4.0759% | 603 |
| 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 | 0.0757% | 5,146 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0197% | 648 |
| Percentage Net Loans Charged-off:Construction & development | 0.0243% | 219 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 426 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0228% | 618 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0246% | 565 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5002% | 448 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3493% | 294 |
| Percentage Net Loans Charged-off: Credit card loans | 2.1411% | 469 |
| 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 | 0.0276% | 6,787 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0267% | 628 |
| Percentage Net Loans Charged-off:Construction & development | 0.3573% | 61 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 415 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0076% | 889 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0078% | 840 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,003 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1104% | 1,256 |
| 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 | 0.0000% | 8,132 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 8,512 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |