Home > Lincoln Bank > Net charge- offs to loans
Lincoln Bank, Net charge- offs to loans
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3233% | 2,799 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2178% | 2,343 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,865 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0434% | 1,254 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4558% | 1,295 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6058% | 1,025 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2425% | 1,290 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5766% | 2,788 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 800 |
| 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 | 0.5244% | 2,270 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3069% | 2,292 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0873% | 1,808 |
| Percentage Net Loans Charged-off: Multi-family residential | 6.1542% | 94 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3373% | 1,622 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4219% | 1,302 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1411% | 992 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9372% | 2,412 |
| Percentage Net Loans Charged-off: Credit card loans | 5.4327% | 244 |
| 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 | 0.0000% | 112 |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0888% | 4,616 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0174% | 4,150 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,246 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0228% | 1,575 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0199% | 3,210 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0245% | 2,944 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1485% | 3,042 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5369% | 3,122 |
| Percentage Net Loans Charged-off: Credit card loans | 4.2653% | 328 |
| 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 | 0.0000% | 90 |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0608% | 4,466 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0166% | 3,455 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,702 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0164% | 1,227 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0236% | 2,576 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0288% | 2,326 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0860% | 2,721 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3421% | 3,426 |
| Percentage Net Loans Charged-off: Credit card loans | 1.8928% | 607 |
| 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 | 0.0000% | 70 |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0629% | 3,549 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0095% | 2,540 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,119 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0021% | 805 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0199% | 1,802 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0241% | 1,619 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1785% | 1,664 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3331% | 2,919 |
| Percentage Net Loans Charged-off: Credit card loans | 3.7383% | 330 |
| 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 | 0.0000% | 39 |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0788% | 4,347 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0363% | 3,110 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,563 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0767% | 1,162 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0177% | 2,980 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0210% | 2,714 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1988% | 2,734 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3129% | 3,957 |
| Percentage Net Loans Charged-off: Credit card loans | 4.3157% | 241 |
| 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 | 0.0000% | 73 |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0635% | 3,858 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0117% | 2,939 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,085 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0015% | 7,750 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0255% | 2,226 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0301% | 2,010 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2789% | 1,958 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2522% | 3,816 |
| Percentage Net Loans Charged-off: Credit card loans | 5.8978% | 145 |
| 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 | 0.0597% | 3,458 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0128% | 2,355 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 770 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0011% | 7,772 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0268% | 1,783 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0315% | 1,591 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4451% | 1,324 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1436% | 3,960 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7155% | 578 |
| 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 | 0.0672% | 2,656 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0079% | 1,730 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 444 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0024% | 525 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0138% | 1,358 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0161% | 1,219 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7265% | 729 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1063% | 3,459 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 790 |
| 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 | 0.0959% | 3,324 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0370% | 2,241 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0019% | 7,785 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0655% | 1,788 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0303% | 6,043 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0858% | 1,489 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4060% | 1,822 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2831% | 3,982 |
| Percentage Net Loans Charged-off: Credit card loans | 7.0603% | 93 |
| 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 | 0.0910% | 2,881 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0553% | 1,539 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0283% | 829 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0786% | 1,342 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0962% | 1,164 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2238% | 1,893 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2309% | 3,818 |
| Percentage Net Loans Charged-off: Credit card loans | 8.4971% | 70 |
| 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 | 0.1406% | 1,988 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0875% | 1,059 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0818% | 532 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1029% | 1,021 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1284% | 869 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4578% | 1,202 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2932% | 3,195 |
| Percentage Net Loans Charged-off: Credit card loans | 4.9656% | 188 |
| 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 | 0.1473% | 1,638 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1049% | 708 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0027% | 7,994 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1744% | 562 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2179% | 466 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3860% | 951 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2756% | 2,829 |
| Percentage Net Loans Charged-off: Credit card loans | 4.0241% | 273 |
| 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 | 0.4618% | 942 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0603% | 1,777 |
| Percentage Net Loans Charged-off:Construction & development | -0.0021% | 7,682 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1259% | 704 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0378% | 2,222 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0473% | 1,966 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.5918% | 157 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2541% | 4,811 |
| Percentage Net Loans Charged-off: Credit card loans | 3.5621% | 455 |
| 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 | 0.5842% | 602 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0666% | 1,445 |
| Percentage Net Loans Charged-off:Construction & development | -0.0027% | 7,688 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1677% | 516 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0268% | 2,070 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0336% | 1,861 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.4615% | 95 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1319% | 5,014 |
| Percentage Net Loans Charged-off: Credit card loans | 2.9671% | 518 |
| 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 | 0.8568% | 390 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0980% | 1,054 |
| Percentage Net Loans Charged-off:Construction & development | -0.0040% | 7,686 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2531% | 373 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0367% | 1,640 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0457% | 1,455 |
| Percentage Net Loans Charged-off: Commercial and industrial | 11.0644% | 66 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0128% | 7,261 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,186 |
| 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 | -0.0213% | 7,338 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0008% | 7,587 |
| Percentage Net Loans Charged-off:Construction & development | -0.0074% | 7,728 |
| 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 | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,974 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2214% | 7,723 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 922 |
| 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 | 0.0485% | 5,332 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0223% | 2,987 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0008% | 8,094 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0366% | 2,404 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2004% | 302 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0048% | 2,956 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0777% | 3,746 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5159% | 3,751 |
| 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 | 0.0504% | 4,695 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0351% | 2,261 |
| 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 | 0.0562% | 1,776 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2817% | 202 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0146% | 2,287 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0426% | 3,338 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4711% | 3,541 |
| 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 | 0.0546% | 4,280 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0446% | 1,846 |
| Percentage Net Loans Charged-off:Construction & development | -0.0049% | 7,815 |
| 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 | 0.0703% | 1,441 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4740% | 132 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0027% | 2,117 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,054 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9287% | 2,002 |
| 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 | 0.0505% | 3,711 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0562% | 1,279 |
| Percentage Net Loans Charged-off:Construction & development | -0.0096% | 7,812 |
| 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 | 0.0877% | 1,018 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6477% | 76 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,138 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1245% | 7,647 |
| 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 | 0.0383% | 6,162 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0261% | 3,090 |
| Percentage Net Loans Charged-off:Construction & development | -0.0095% | 7,958 |
| 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 | 0.0424% | 2,471 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0493% | 2,287 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,747 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7541% | 3,151 |
| Percentage Net Loans Charged-off: Credit card loans | 5.2632% | 386 |
| 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 | 0.0381% | 5,651 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0151% | 2,901 |
| Percentage Net Loans Charged-off:Construction & development | -0.0096% | 7,948 |
| 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 | 0.0254% | 2,334 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0296% | 2,186 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,156 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2371% | 1,662 |
| Percentage Net Loans Charged-off: Credit card loans | 7.1429% | 213 |
| 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 | 0.0554% | 4,834 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0239% | 2,278 |
| Percentage Net Loans Charged-off:Construction & development | -0.0097% | 7,932 |
| 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 | 0.0397% | 1,782 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0465% | 1,656 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,532 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5842% | 1,176 |
| Percentage Net Loans Charged-off: Credit card loans | 10.8108% | 133 |
| 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 | 0.0508% | 4,170 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0323% | 1,592 |
| Percentage Net Loans Charged-off:Construction & development | -0.0102% | 7,902 |
| 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 | 0.0533% | 1,238 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0627% | 1,142 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,449 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9217% | 2,106 |
| Percentage Net Loans Charged-off: Credit card loans | 3.4483% | 649 |
| 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 | 0.0051% | 7,444 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0024% | 8,139 |
| Percentage Net Loans Charged-off:Construction & development | -0.0818% | 8,129 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0015% | 8,486 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0075% | 3,209 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0604% | 479 |
| 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 | 0.2672% | 5,596 |
| Percentage Net Loans Charged-off: Credit card loans | 4.1152% | 672 |
| 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 | 0.0555% | 6,005 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0204% | 3,099 |
| Percentage Net Loans Charged-off:Construction & development | 0.1161% | 554 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0045% | 8,726 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0160% | 2,797 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0174% | 2,625 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,805 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5478% | 1,225 |
| Percentage Net Loans Charged-off: Credit card loans | 5.1151% | 429 |
| 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 | 0.0073% | 7,300 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0246% | 1,444 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0186% | 1,344 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0274% | 1,457 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0720% | 252 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0353% | 1,472 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,037 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3934% | 283 |
| Percentage Net Loans Charged-off: Credit card loans | 11.6279% | 52 |
| 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 | 0.0616% | 5,733 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0348% | 554 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0267% | 1,290 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0420% | 556 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0453% | 508 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,003 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5017% | 267 |
| 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 | 0.1193% | 4,733 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1183% | 246 |
| Percentage Net Loans Charged-off:Construction & development | -0.0259% | 1,286 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0069% | 1,156 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1342% | 223 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1433% | 192 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1871% | 1,143 |
| 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 | 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 | -0.0427% | 10,031 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0432% | 1,366 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.3984% | 29 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1152% | 1,444 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1199% | 1,441 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 888 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 1,313 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 8,805 |
| 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 | 0.0000% | 891 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 1,371 |
| 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 |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0196% | 8,009 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0186% | 846 |
| Percentage Net Loans Charged-off:Construction & development | 0.2137% | 208 |
| 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 | 0.0049% | 958 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0049% | 914 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 798 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0563% | 1,298 |
| 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 |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 8,921 |
| 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 | 0.0000% | 761 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 1,287 |
| 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 |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0435% | 11,641 |
| 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 |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0094% | 10,949 |
| 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 |