Home > Irwin Union Bank, F.S.B. > Net charge- offs to loans
Irwin Union Bank, F.S.B., Net charge- offs to loans
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.8778% | 570 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.6036% | 536 |
| Percentage Net Loans Charged-off:Construction & development | 14.2154% | 281 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7723% | 810 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.9275% | 317 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7560% | 708 |
| All other 1-4 family - Percent of loans charged-off, net | 4.0261% | 222 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.9097% | 583 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8256% | 1,328 |
| Percentage Net Loans Charged-off: Credit card loans | 3.0085% | 580 |
| 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 |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.4427% | 583 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.4562% | 457 |
| Percentage Net Loans Charged-off:Construction & development | 14.9117% | 204 |
| 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 | 2.8446% | 268 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1413% | 5,892 |
| All other 1-4 family - Percent of loans charged-off, net | 4.3389% | 177 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.2899% | 869 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.1728% | 675 |
| Percentage Net Loans Charged-off: Credit card loans | 5.8662% | 312 |
| 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 |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.0953% | 506 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.2956% | 341 |
| Percentage Net Loans Charged-off:Construction & development | 13.6514% | 114 |
| 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 | 1.6958% | 331 |
| Percentage Net Loans Charged-off: Home equity loans | 4.6634% | 105 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3336% | 1,546 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7415% | 2,191 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.0180% | 556 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5982% | 1,082 |
| 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 |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.5432% | 247 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.8720% | 154 |
| Percentage Net Loans Charged-off:Construction & development | 16.5127% | 58 |
| 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 | 2.0765% | 187 |
| Percentage Net Loans Charged-off: Home equity loans | 5.5494% | 73 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5195% | 820 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4115% | 2,229 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.2053% | 442 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8099% | 922 |
| 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 |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.0548% | 159 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.5036% | 88 |
| Percentage Net Loans Charged-off:Construction & development | 24.3388% | 27 |
| 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 | 0.2446% | 1,289 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1250% | 735 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2970% | 1,053 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5021% | 1,627 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3149% | 3,544 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2392% | 737 |
| 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 |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4751% | 1,103 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5535% | 607 |
| Percentage Net Loans Charged-off:Construction & development | 3.5923% | 194 |
| 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 | 0.0727% | 1,523 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2532% | 407 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0038% | 7,709 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,192 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5630% | 2,297 |
| Percentage Net Loans Charged-off: Credit card loans | 2.6215% | 442 |
| 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 |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2166% | 2,476 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1694% | 1,538 |
| 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 | 0.5172% | 511 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5107% | 120 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0944% | 1,833 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5585% | 1,770 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4695% | 3,190 |
| Percentage Net Loans Charged-off: Credit card loans | 3.1753% | 375 |
| 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 |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0947% | 3,285 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0114% | 2,957 |
| 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 | 0.0341% | 2,099 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1021% | 534 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0048% | 2,417 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7997% | 1,094 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2535% | 3,805 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,103 |
| 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 |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1157% | 2,550 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0118% | 2,389 |
| 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 | 0.0349% | 1,680 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0928% | 419 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0090% | 1,862 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0708% | 765 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1586% | 3,874 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 965 |
| 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 |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0232% | 3,618 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0009% | 1,842 |
| 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 | 0.0026% | 1,455 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0079% | 365 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,345 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1978% | 1,292 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1792% | 3,172 |
| 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 |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0082% | 5,888 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0085% | 3,087 |
| 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 | 0.0224% | 2,422 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0496% | 566 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0063% | 2,572 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,710 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0273% | 5,599 |
| 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 |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0087% | 5,288 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0098% | 2,542 |
| 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 | 0.0250% | 1,982 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0538% | 429 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0082% | 2,106 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,095 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,218 |
| 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 |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0114% | 4,711 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0128% | 2,091 |
| 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 | 0.0319% | 1,579 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0785% | 306 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0041% | 1,831 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,652 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,727 |
| 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 |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0093% | 3,994 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0104% | 1,462 |
| 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 | 0.0256% | 1,128 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0664% | 242 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,244 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,732 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,843 |
| 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 |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1186% | 3,355 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1017% | 1,269 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1471% | 659 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1480% | 1,073 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0208% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2220% | 790 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3346% | 2,312 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 6,170 |
| 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 |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0830% | 3,437 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0955% | 1,158 |
| 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 | 0.1921% | 751 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0284% | 485 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2869% | 539 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0195% | 6,978 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,710 |
| 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 |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0471% | 3,956 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0564% | 1,427 |
| 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 | 0.1104% | 1,043 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0431% | 367 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1528% | 854 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0319% | 7,029 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,174 |
| 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 |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0803% | 2,706 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0968% | 853 |
| 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 | 0.1866% | 651 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3019% | 451 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0650% | 7,267 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,245 |
| 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 |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0610% | 4,999 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0355% | 2,635 |
| 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 | 0.0669% | 1,959 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1112% | 394 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0308% | 2,391 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4213% | 2,330 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0541% | 6,299 |
| 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 | NA | NA |
| 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 | 0.0628% | 4,405 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0217% | 2,565 |
| 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 | 0.0410% | 1,972 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0738% | 374 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0112% | 2,345 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7710% | 1,359 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0776% | 5,716 |
| 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 | NA | NA |
| 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 | 0.1034% | 3,337 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0321% | 2,035 |
| 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 | 0.0615% | 1,513 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0967% | 289 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0218% | 1,815 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4316% | 775 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1203% | 5,034 |
| 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 | NA | NA |
| 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 | 0.1538% | 2,303 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0135% | 1,735 |
| 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 | 0.0257% | 1,371 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0528% | 1,137 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.7346% | 401 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,682 |
| 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 | NA | NA |
| 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 | 0.1211% | 4,425 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0182% | 3,336 |
| 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 | 0.0327% | 2,659 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0509% | 2,261 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0234% | 897 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2449% | 1,780 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,842 |
| 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 |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1640% | 3,376 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0258% | 2,609 |
| 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 | 0.0456% | 2,015 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0663% | 1,724 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.3632% | 429 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4214% | 1,342 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,741 |
| 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 |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2423% | 2,426 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0171% | 2,415 |
| 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 | 0.0288% | 1,905 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0393% | 1,728 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.7394% | 227 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1385% | 728 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,566 |
| 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 |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3175% | 1,697 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,066 |
| 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 | 0.0000% | 1,648 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,550 |
| Percentage Net Loans Charged-off: Commercial and industrial | 10.8870% | 90 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,985 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,250 |
| 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 |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 7,632 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 4,119 |
| 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 | 0.0000% | 3,443 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,246 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,878 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 7,113 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,947 |
| 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 |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 7,777 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,994 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| 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 | 0.0000% | 3,307 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,123 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,805 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 7,235 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 2,107 |
| 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 | 0.0000% | 7,622 |
| 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 |