Home > Irwin Union Bank and Trust Company > Net charge- offs to loans
Irwin Union Bank and Trust Company, Net charge- offs to loans
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 6.1237% | 172 |
| Percentage Net Loans Charged-off: Total real estate loans | 6.9223% | 112 |
| Percentage Net Loans Charged-off:Construction & development | 14.1697% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6691% | 897 |
| Percentage Net Loans Charged-off: Multi-family residential | 11.6056% | 69 |
| Percentage Net Loans Charged-off: 1-4 family residential | 10.5634% | 42 |
| Percentage Net Loans Charged-off: Home equity loans | 5.9102% | 132 |
| All other 1-4 family - Percent of loans charged-off, net | 12.0044% | 41 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.3933% | 840 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.6203% | 590 |
| Percentage Net Loans Charged-off: Credit card loans | 13.8042% | 89 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 3.4695% | 382 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 19.1878% | 41 |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 5.2012% | 200 |
| Percentage Net Loans Charged-off: Total real estate loans | 6.1201% | 121 |
| Percentage Net Loans Charged-off:Construction & development | 13.2301% | 234 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.0339% | 446 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.1676% | 145 |
| Percentage Net Loans Charged-off: 1-4 family residential | 8.6892% | 70 |
| Percentage Net Loans Charged-off: Home equity loans | 4.1871% | 151 |
| All other 1-4 family - Percent of loans charged-off, net | 10.0279% | 57 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8397% | 1,017 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.7224% | 397 |
| Percentage Net Loans Charged-off: Credit card loans | 19.1388% | 59 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,234 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 81 |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 7.6574% | 32 |
| Percentage Net Loans Charged-off: Total real estate loans | 7.9445% | 20 |
| Percentage Net Loans Charged-off:Construction & development | 2.9414% | 844 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2106% | 1,380 |
| Percentage Net Loans Charged-off: Multi-family residential | 3.2702% | 158 |
| Percentage Net Loans Charged-off: 1-4 family residential | 15.8913% | 7 |
| Percentage Net Loans Charged-off: Home equity loans | 14.2372% | 27 |
| All other 1-4 family - Percent of loans charged-off, net | 16.3696% | 9 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0760% | 1,022 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6194% | 1,348 |
| Percentage Net Loans Charged-off: Credit card loans | 12.7497% | 54 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 15.7952% | 147 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 47.6974% | 11 |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 8.8934% | 16 |
| Percentage Net Loans Charged-off: Total real estate loans | 9.3035% | 10 |
| Percentage Net Loans Charged-off:Construction & development | 0.7619% | 1,234 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1900% | 973 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.2773% | 282 |
| Percentage Net Loans Charged-off: 1-4 family residential | 19.6902% | 5 |
| Percentage Net Loans Charged-off: Home equity loans | 18.5896% | 15 |
| All other 1-4 family - Percent of loans charged-off, net | 20.0084% | 7 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9500% | 772 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9283% | 2,018 |
| Percentage Net Loans Charged-off: Credit card loans | 6.8897% | 139 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 16.7450% | 116 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 44.6205% | 12 |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 4.8843% | 64 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.1152% | 111 |
| Percentage Net Loans Charged-off:Construction & development | 0.1666% | 1,358 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1898% | 764 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 6.5017% | 38 |
| Percentage Net Loans Charged-off: Home equity loans | 6.7117% | 59 |
| All other 1-4 family - Percent of loans charged-off, net | 6.4408% | 36 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1320% | 580 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8636% | 1,945 |
| Percentage Net Loans Charged-off: Credit card loans | 7.4363% | 130 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 18.1368% | 95 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 57.9425% | 8 |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.3457% | 207 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.8787% | 108 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,119 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2000% | 461 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 6.0142% | 30 |
| Percentage Net Loans Charged-off: Home equity loans | 7.1880% | 45 |
| All other 1-4 family - Percent of loans charged-off, net | 5.6754% | 32 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7026% | 989 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9305% | 1,634 |
| Percentage Net Loans Charged-off: Credit card loans | 3.5653% | 339 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.2865% | 435 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2481% | 360 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3466% | 169 |
| Percentage Net Loans Charged-off:Construction & development | 0.1571% | 1,075 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1581% | 900 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0007% | 6,209 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.6881% | 64 |
| Percentage Net Loans Charged-off: Home equity loans | 2.6594% | 75 |
| All other 1-4 family - Percent of loans charged-off, net | 2.6970% | 72 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7638% | 1,444 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4892% | 977 |
| Percentage Net Loans Charged-off: Credit card loans | 5.9317% | 147 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.1802% | 589 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 20.4090% | 13 |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0763% | 312 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0889% | 133 |
| Percentage Net Loans Charged-off:Construction & development | 0.1859% | 623 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1731% | 563 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0009% | 6,159 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.1206% | 60 |
| Percentage Net Loans Charged-off: Home equity loans | 2.1317% | 66 |
| All other 1-4 family - Percent of loans charged-off, net | 2.1171% | 68 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9782% | 919 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2615% | 1,066 |
| Percentage Net Loans Charged-off: Credit card loans | 5.1516% | 183 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.0912% | 512 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 27.2992% | 7 |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9759% | 337 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8603% | 151 |
| Percentage Net Loans Charged-off:Construction & development | 0.1485% | 455 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0861% | 569 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0013% | 6,149 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.7078% | 81 |
| Percentage Net Loans Charged-off: Home equity loans | 2.2172% | 52 |
| All other 1-4 family - Percent of loans charged-off, net | 1.5437% | 111 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2879% | 673 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1013% | 1,154 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7621% | 575 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.3443% | 442 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 42.7550% | 5 |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0087% | 316 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6745% | 181 |
| Percentage Net Loans Charged-off:Construction & development | -0.0007% | 7,576 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1047% | 334 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0024% | 6,104 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3622% | 123 |
| Percentage Net Loans Charged-off: Home equity loans | 2.1851% | 46 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0904% | 150 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.6655% | 310 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6965% | 1,725 |
| Percentage Net Loans Charged-off: Credit card loans | 0.7913% | 684 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.3709% | 344 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 100.7111% | 4 |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3978% | 966 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4201% | 337 |
| Percentage Net Loans Charged-off:Construction & development | 0.0596% | 582 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1966% | 564 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7028% | 200 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1142% | 77 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5548% | 291 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0800% | 3,080 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0896% | 5,178 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0545% | 888 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.6698% | 692 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 18.2724% | 8 |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3733% | 849 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3941% | 255 |
| Percentage Net Loans Charged-off:Construction & development | 0.0806% | 390 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2452% | 392 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6110% | 210 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0284% | 59 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4582% | 302 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0400% | 2,793 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0206% | 7,188 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0748% | 791 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.6944% | 604 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 38.9798% | 3 |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3442% | 908 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3802% | 275 |
| Percentage Net Loans Charged-off:Construction & development | 0.1219% | 252 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1610% | 426 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6005% | 213 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0684% | 58 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4309% | 324 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0059% | 2,622 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0888% | 7,277 |
| Percentage Net Loans Charged-off: Credit card loans | 0.4409% | 925 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.6078% | 579 |
| 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 | 0.3551% | 788 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4002% | 229 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2720% | 217 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5987% | 208 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0721% | 59 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4353% | 269 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0244% | 6,796 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0269% | 3,806 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8896% | 709 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5831% | 522 |
| 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 | 0.2372% | 1,985 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1243% | 1,096 |
| Percentage Net Loans Charged-off:Construction & development | 0.0538% | 487 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0510% | 968 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1784% | 920 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2041% | 282 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1693% | 974 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1464% | 3,063 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5826% | 989 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7526% | 908 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.7863% | 665 |
| 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 | 0.2440% | 1,625 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1338% | 914 |
| Percentage Net Loans Charged-off:Construction & development | 0.0762% | 348 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0591% | 745 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1869% | 774 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2129% | 229 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1769% | 830 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0083% | 3,359 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8534% | 696 |
| Percentage Net Loans Charged-off: Credit card loans | 1.8572% | 770 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.7957% | 580 |
| 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 | 0.2432% | 1,547 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1184% | 920 |
| Percentage Net Loans Charged-off:Construction & development | 0.1218% | 239 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0312% | 677 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1655% | 810 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2795% | 170 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1184% | 985 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0013% | 6,689 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1508% | 544 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9096% | 710 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.8361% | 499 |
| 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 | 0.2145% | 1,513 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0742% | 974 |
| Percentage Net Loans Charged-off:Construction & development | 0.2686% | 110 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0054% | 495 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0732% | 1,007 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0402% | 5,947 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1232% | 778 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0653% | 1,749 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4192% | 2,819 |
| Percentage Net Loans Charged-off: Credit card loans | 3.1172% | 430 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.9431% | 379 |
| 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 | 0.8386% | 555 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7613% | 191 |
| Percentage Net Loans Charged-off:Construction & development | 0.0953% | 502 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0671% | 1,117 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0070% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2504% | 109 |
| Percentage Net Loans Charged-off: Home equity loans | 2.4062% | 40 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6503% | 277 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4419% | 2,285 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0997% | 6,025 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3121% | 1,220 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.6241% | 412 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 27 |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9098% | 441 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9316% | 116 |
| Percentage Net Loans Charged-off:Construction & development | 0.1292% | 366 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0312% | 1,011 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0092% | 145 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.5363% | 74 |
| Percentage Net Loans Charged-off: Home equity loans | 2.9767% | 32 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7782% | 204 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5769% | 1,637 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0235% | 6,039 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2833% | 1,146 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.1017% | 470 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9852% | 429 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0413% | 112 |
| Percentage Net Loans Charged-off:Construction & development | 0.1264% | 305 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0467% | 767 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0135% | 110 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.7110% | 69 |
| Percentage Net Loans Charged-off: Home equity loans | 3.2443% | 33 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9706% | 161 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7040% | 1,344 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0283% | 7,644 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8656% | 1,186 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.9349% | 470 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 19 |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8705% | 500 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8105% | 174 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0921% | 405 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3446% | 105 |
| Percentage Net Loans Charged-off: Home equity loans | 2.4430% | 32 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7869% | 199 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9539% | 855 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0982% | 7,548 |
| Percentage Net Loans Charged-off: Credit card loans | 1.1799% | 924 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.3136% | 338 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 12 |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8182% | 780 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6962% | 252 |
| Percentage Net Loans Charged-off:Construction & development | 0.0634% | 659 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2349% | 754 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0030% | 166 |
| Percentage Net Loans Charged-off: Home equity loans | 2.4991% | 42 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4632% | 514 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5587% | 2,484 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8694% | 2,746 |
| Percentage Net Loans Charged-off: Credit card loans | 3.6273% | 678 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.9966% | 444 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 56 |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7701% | 720 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6419% | 250 |
| Percentage Net Loans Charged-off:Construction & development | 0.0418% | 549 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2976% | 543 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8847% | 181 |
| Percentage Net Loans Charged-off: Home equity loans | 2.3765% | 35 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3831% | 533 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2147% | 3,068 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0295% | 2,095 |
| Percentage Net Loans Charged-off: Credit card loans | 3.8336% | 627 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.2509% | 370 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 45 |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7404% | 797 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6227% | 262 |
| Percentage Net Loans Charged-off:Construction & development | 0.0642% | 420 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3162% | 451 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8308% | 197 |
| Percentage Net Loans Charged-off: Home equity loans | 2.5338% | 30 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3087% | 617 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1814% | 2,747 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4840% | 3,636 |
| Percentage Net Loans Charged-off: Credit card loans | 4.4008% | 530 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.2794% | 345 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 37 |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5657% | 975 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4581% | 346 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3550% | 300 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5806% | 307 |
| Percentage Net Loans Charged-off: Home equity loans | 2.0442% | 34 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1227% | 908 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1786% | 1,945 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3139% | 3,810 |
| Percentage Net Loans Charged-off: Credit card loans | 2.5069% | 811 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.9029% | 329 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5048% | 1,647 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3077% | 733 |
| Percentage Net Loans Charged-off:Construction & development | 0.0065% | 844 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0073% | 1,510 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5099% | 422 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0434% | 82 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2559% | 855 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6078% | 2,575 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4221% | 4,685 |
| Percentage Net Loans Charged-off: Credit card loans | 3.4020% | 841 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.7063% | 480 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 51 |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3846% | 2,127 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0880% | 1,815 |
| Percentage Net Loans Charged-off:Construction & development | 0.0275% | 741 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0435% | 1,164 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1265% | 1,317 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3236% | 243 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0685% | 1,780 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2092% | 3,622 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6571% | 1,087 |
| Percentage Net Loans Charged-off: Credit card loans | 2.7993% | 951 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.0970% | 416 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 74 |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1889% | 3,295 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0136% | 722 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| 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 | 0.0215% | 626 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0260% | 555 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1833% | 717 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7834% | 206 |
| Percentage Net Loans Charged-off: Credit card loans | 13.5486% | 45 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.1054% | 86 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0994% | 4,833 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,015 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| 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 | 0.0000% | 995 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 944 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4531% | 414 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9320% | 480 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5175% | 890 |
| 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 | 0.0000% | 23 |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1077% | 4,959 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0285% | 611 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 457 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0372% | 562 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2683% | 29 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 883 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2383% | 574 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8359% | 579 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 973 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.6370% | 117 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 11.8916% | 5 |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2947% | 2,811 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0629% | 461 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 477 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0828% | 383 |
| Percentage Net Loans Charged-off: Home equity loans | 2.2597% | 20 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 952 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1233% | 159 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1187% | 481 |
| 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 | 1.1546% | 58 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 31 |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2529% | 3,426 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,050 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 559 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 995 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4976% | 331 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3448% | 370 |
| Percentage Net Loans Charged-off: Credit card loans | 1.8922% | 673 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.7859% | 95 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5372% | 1,526 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0012% | 1,035 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 615 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0023% | 995 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0027% | 948 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3450% | 135 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1602% | 321 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,020 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4799% | 138 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3182% | 2,857 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,087 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 668 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,024 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 974 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4591% | 363 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7246% | 436 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2042% | 665 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5161% | 112 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6563% | 2,108 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,220 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 834 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,114 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,053 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.2125% | 197 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7935% | 506 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7684% | 562 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4728% | 165 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4834% | 4,374 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,332 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 639 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 967 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 418 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,178 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,124 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3085% | 501 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6220% | 849 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0261% | 1,023 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3914% | 227 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |