Home > Main Street Bank & Trust > Net charge- offs to loans
Main Street Bank & Trust, Net charge- offs to loans
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0193% | 5,140 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0246% | 2,562 |
| 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 | 0.1620% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0311% | 2,146 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2087% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0036% | 7,608 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,276 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0240% | 5,159 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,521 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 52 |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4223% | 860 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4703% | 311 |
| Percentage Net Loans Charged-off:Construction & development | 1.4159% | 135 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0061% | 848 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7041% | 250 |
| Percentage Net Loans Charged-off: Home equity loans | 1.7492% | 74 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4983% | 360 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3040% | 1,582 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3076% | 3,126 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,336 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 38 |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5200% | 611 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6931% | 178 |
| Percentage Net Loans Charged-off:Construction & development | 2.9849% | 49 |
| 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 | 0.5636% | 285 |
| Percentage Net Loans Charged-off: Home equity loans | 3.0808% | 33 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0647% | 963 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0202% | 6,835 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0506% | 3,694 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 964 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0840% | 3,591 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0937% | 1,381 |
| Percentage Net Loans Charged-off:Construction & development | 0.0580% | 591 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0525% | 955 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.2125% | 124 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1296% | 1,189 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1885% | 326 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1183% | 1,231 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1622% | 2,615 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.6178% | 8,297 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,606 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0791% | 3,102 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0917% | 1,141 |
| Percentage Net Loans Charged-off:Construction & development | 0.0772% | 400 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0701% | 666 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1338% | 109 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1187% | 1,039 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1871% | 263 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1056% | 1,107 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2198% | 1,904 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.0681% | 8,411 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,412 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 29 |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0962% | 2,526 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1119% | 906 |
| Percentage Net Loans Charged-off:Construction & development | 0.1173% | 257 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1055% | 490 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1694% | 744 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2321% | 198 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1575% | 774 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3292% | 1,418 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.6286% | 8,480 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,212 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1299% | 1,789 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1859% | 460 |
| Percentage Net Loans Charged-off:Construction & development | 0.2361% | 113 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2100% | 248 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2181% | 484 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6070% | 83 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1449% | 612 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0131% | 1,693 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4254% | 7,837 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 12 |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1127% | 3,459 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0076% | 3,176 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0003% | 7,880 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0255% | 2,459 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0303% | 2,240 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2208% | 2,703 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4039% | 1,173 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,459 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3970% | 902 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0714% | 3,689 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0012% | 7,489 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0005% | 7,892 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0040% | 7,811 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0054% | 7,834 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0085% | 6,827 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0399% | 1,555 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.6429% | 642 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0107% | 5,158 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0004% | 7,426 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0008% | 7,950 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0153% | 6,849 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2650% | 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 | 0.0000% | 1,156 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 20 |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0129% | 4,242 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0037% | 7,740 |
| 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 | -0.0153% | 8,097 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0207% | 8,153 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0128% | 6,832 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3263% | 3,112 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 839 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 13 |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1714% | 3,073 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0064% | 3,591 |
| Percentage Net Loans Charged-off:Construction & development | -0.0257% | 7,884 |
| 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 | 0.0421% | 2,306 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0545% | 2,046 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0755% | 3,762 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2016% | 640 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1514% | 7,477 |
| 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 | 0.2154% | 2,197 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,318 |
| 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 | 0.0000% | 2,765 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,599 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2012% | 2,588 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.6634% | 439 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,414 |
| 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 | 0.1354% | 2,904 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0006% | 7,678 |
| 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 | -0.0034% | 7,953 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0040% | 7,981 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2803% | 7,961 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.6808% | 485 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,207 |
| 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 | 0.1243% | 2,594 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,955 |
| 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 | 0.0000% | 1,591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2448% | 7,896 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.3173% | 693 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 887 |
| 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 | 0.1460% | 4,064 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0010% | 4,057 |
| 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 | 0.0049% | 3,321 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0055% | 3,138 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.4970% | 8,428 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.3614% | 642 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0438% | 7,402 |
| 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 | 0.1065% | 4,178 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0023% | 7,973 |
| 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 | -0.0107% | 8,346 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0119% | 8,368 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1989% | 8,134 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4086% | 1,364 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0834% | 7,537 |
| 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 | 0.0322% | 5,399 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0014% | 7,945 |
| 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 | -0.0062% | 8,277 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0069% | 8,309 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.5227% | 8,426 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1074% | 1,861 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0532% | 7,466 |
| 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 | -0.0276% | 8,006 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0028% | 8,111 |
| 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 | -0.0126% | 8,456 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0138% | 8,485 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.5450% | 8,415 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5722% | 2,964 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1045% | 7,567 |
| 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 | 0.2602% | 3,079 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0092% | 8,388 |
| 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 | -0.0393% | 8,775 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0424% | 8,781 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2145% | 8,369 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4695% | 631 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.5543% | 8,011 |
| 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 | 0.2782% | 2,860 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0098% | 3,511 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0372% | 2,333 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6028% | 162 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,123 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0188% | 4,685 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5944% | 1,158 |
| 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 | 0.0000% | 74 |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0858% | 4,922 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0062% | 840 |
| 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 | 0.0212% | 631 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0227% | 577 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.6330% | 1,481 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0519% | 388 |
| Percentage Net Loans Charged-off: Credit card loans | 3.6012% | 241 |
| 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 | 0.0000% | 23 |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1777% | 3,516 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1938% | 134 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0754% | 1,367 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7153% | 32 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7598% | 30 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2911% | 1,413 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7046% | 633 |
| Percentage Net Loans Charged-off: Credit card loans | 3.1676% | 313 |
| 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 | 0.1802% | 3,754 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0070% | 1,261 |
| 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 | -0.0190% | 1,361 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0198% | 1,353 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1569% | 693 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0396% | 467 |
| Percentage Net Loans Charged-off: Credit card loans | 2.1690% | 580 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 24 |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0997% | 5,498 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0083% | 1,248 |
| 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 | -0.0221% | 1,376 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0230% | 1,375 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0288% | 828 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7539% | 698 |
| Percentage Net Loans Charged-off: Credit card loans | 3.7175% | 345 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.4705% | 1,287 |
| 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 | 0.2212% | 3,791 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1039% | 417 |
| Percentage Net Loans Charged-off:Construction & development | 0.6593% | 90 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0112% | 1,195 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.2888% | 138 |
| 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 | 0.2781% | 487 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0034% | 522 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5162% | 766 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -2.5498% | 1,330 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 34 |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7317% | 1,034 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0961% | 509 |
| Percentage Net Loans Charged-off:Construction & development | -0.0541% | 1,343 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0184% | 1,237 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2267% | 200 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2308% | 197 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.2428% | 73 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7253% | 556 |
| Percentage Net Loans Charged-off: Credit card loans | 3.1411% | 288 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 433 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 48 |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0576% | 6,793 |
| 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 |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0525% | 1,176 |
| 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 | 1.7646% | 945 |
| 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 |