Home > Mechanics Bank > Net charge- offs to loans

Mechanics Bank, Net charge- offs to loans

2023-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4740%222
Percentage Net Loans Charged-off: Total real estate loans0.0698%308
Percentage Net Loans Charged-off:Construction & development0.0000%239
Percentage Net Loans Charged-off: Commercial real estate0.2198%171
Percentage Net Loans Charged-off: Multi-family residential0.0000%66
Percentage Net Loans Charged-off: 1-4 family residential0.0000%792
Percentage Net Loans Charged-off: Home equity loans0.0000%246
All other 1-4 family - Percent of loans charged-off, net0.0000%740
Percentage Net Loans Charged-off: Commercial and industrial0.0227%1,500
Percentage Net Loans Charged-off: Loans to individuals1.3315%539
Percentage Net Loans Charged-off: Credit card loans0.0000%531
Percentage Net Loans Charged-off: Other loans to individual1.3315%447
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%72
2023-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3959%218
Percentage Net Loans Charged-off: Total real estate loans-0.0021%3,509
Percentage Net Loans Charged-off:Construction & development0.0000%172
Percentage Net Loans Charged-off: Commercial real estate-0.0066%4,182
Percentage Net Loans Charged-off: Multi-family residential0.0000%48
Percentage Net Loans Charged-off: 1-4 family residential0.0000%649
Percentage Net Loans Charged-off: Home equity loans0.0000%206
All other 1-4 family - Percent of loans charged-off, net0.0000%600
Percentage Net Loans Charged-off: Commercial and industrial-0.0081%3,699
Percentage Net Loans Charged-off: Loans to individuals1.2004%499
Percentage Net Loans Charged-off: Credit card loans0.0000%458
Percentage Net Loans Charged-off: Other loans to individual1.2004%467
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%69
2023-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3602%233
Percentage Net Loans Charged-off: Total real estate loans-0.0032%3,686
Percentage Net Loans Charged-off:Construction & development0.0000%127
Percentage Net Loans Charged-off: Commercial real estate-0.0098%4,294
Percentage Net Loans Charged-off: Multi-family residential0.0000%29
Percentage Net Loans Charged-off: 1-4 family residential0.0000%531
Percentage Net Loans Charged-off: Home equity loans0.0000%163
All other 1-4 family - Percent of loans charged-off, net0.0000%481
Percentage Net Loans Charged-off: Commercial and industrial-0.0066%3,669
Percentage Net Loans Charged-off: Loans to individuals1.0639%551
Percentage Net Loans Charged-off: Credit card loans0.0000%451
Percentage Net Loans Charged-off: Other loans to individual1.0639%554
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%63
2023-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3650%217
Percentage Net Loans Charged-off: Total real estate loans-0.0064%3,969
Percentage Net Loans Charged-off:Construction & development0.0000%62
Percentage Net Loans Charged-off: Commercial real estate-0.0195%4,433
Percentage Net Loans Charged-off: Multi-family residential0.0000%18
Percentage Net Loans Charged-off: 1-4 family residential0.0000%372
Percentage Net Loans Charged-off: Home equity loans0.0000%101
All other 1-4 family - Percent of loans charged-off, net0.0000%332
Percentage Net Loans Charged-off: Commercial and industrial-0.0314%3,986
Percentage Net Loans Charged-off: Loans to individuals1.0528%554
Percentage Net Loans Charged-off: Credit card loans0.0000%346
Percentage Net Loans Charged-off: Other loans to individual1.0528%505
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%12
2022-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3008%256
Percentage Net Loans Charged-off: Total real estate loans0.0000%1,042
Percentage Net Loans Charged-off:Construction & development0.0000%172
Percentage Net Loans Charged-off: Commercial real estate0.0000%506
Percentage Net Loans Charged-off: Multi-family residential0.0000%64
Percentage Net Loans Charged-off: 1-4 family residential0.0000%803
Percentage Net Loans Charged-off: Home equity loans0.0000%205
All other 1-4 family - Percent of loans charged-off, net0.0000%763
Percentage Net Loans Charged-off: Commercial and industrial-0.0094%3,564
Percentage Net Loans Charged-off: Loans to individuals0.8379%637
Percentage Net Loans Charged-off: Credit card loans0.0000%495
Percentage Net Loans Charged-off: Other loans to individual0.8379%582
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%23
2022-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2608%253
Percentage Net Loans Charged-off: Total real estate loans0.0000%831
Percentage Net Loans Charged-off:Construction & development0.0000%133
Percentage Net Loans Charged-off: Commercial real estate0.0000%378
Percentage Net Loans Charged-off: Multi-family residential0.0000%47
Percentage Net Loans Charged-off: 1-4 family residential0.0000%647
Percentage Net Loans Charged-off: Home equity loans0.0000%163
All other 1-4 family - Percent of loans charged-off, net0.0000%623
Percentage Net Loans Charged-off: Commercial and industrial-0.0123%3,533
Percentage Net Loans Charged-off: Loans to individuals0.7253%684
Percentage Net Loans Charged-off: Credit card loans0.0000%459
Percentage Net Loans Charged-off: Other loans to individual0.7253%629
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%17
2022-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2037%320
Percentage Net Loans Charged-off: Total real estate loans0.0000%698
Percentage Net Loans Charged-off:Construction & development0.0000%94
Percentage Net Loans Charged-off: Commercial real estate0.0000%298
Percentage Net Loans Charged-off: Multi-family residential0.0000%33
Percentage Net Loans Charged-off: 1-4 family residential0.0000%547
Percentage Net Loans Charged-off: Home equity loans0.0000%129
All other 1-4 family - Percent of loans charged-off, net0.0000%521
Percentage Net Loans Charged-off: Commercial and industrial-0.0183%3,478
Percentage Net Loans Charged-off: Loans to individuals0.5686%792
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.5686%737
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%17
2022-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2271%274
Percentage Net Loans Charged-off: Total real estate loans0.0000%527
Percentage Net Loans Charged-off:Construction & development0.0000%61
Percentage Net Loans Charged-off: Commercial real estate0.0000%205
Percentage Net Loans Charged-off: Multi-family residential0.0000%23
Percentage Net Loans Charged-off: 1-4 family residential0.0000%390
Percentage Net Loans Charged-off: Home equity loans0.0000%93
All other 1-4 family - Percent of loans charged-off, net0.0000%357
Percentage Net Loans Charged-off: Commercial and industrial-0.0352%3,759
Percentage Net Loans Charged-off: Loans to individuals0.6442%714
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.6442%656
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%16
2021-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1311%702
Percentage Net Loans Charged-off: Total real estate loans-0.0015%3,303
Percentage Net Loans Charged-off:Construction & development0.0000%225
Percentage Net Loans Charged-off: Commercial real estate-0.0002%3,893
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential-0.0049%3,522
Percentage Net Loans Charged-off: Home equity loans0.0000%242
All other 1-4 family - Percent of loans charged-off, net-0.0053%3,584
Percentage Net Loans Charged-off: Commercial and industrial0.0325%1,252
Percentage Net Loans Charged-off: Loans to individuals0.4152%993
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.4152%906
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%29
2021-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1195%659
Percentage Net Loans Charged-off: Total real estate loans-0.0020%3,364
Percentage Net Loans Charged-off:Construction & development0.0000%194
Percentage Net Loans Charged-off: Commercial real estate-0.0002%3,968
Percentage Net Loans Charged-off: Multi-family residential0.0000%77
Percentage Net Loans Charged-off: 1-4 family residential-0.0066%3,671
Percentage Net Loans Charged-off: Home equity loans0.0000%216
All other 1-4 family - Percent of loans charged-off, net-0.0071%3,725
Percentage Net Loans Charged-off: Commercial and industrial0.0250%1,101
Percentage Net Loans Charged-off: Loans to individuals0.3944%916
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.3944%827
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%24
2021-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1333%595
Percentage Net Loans Charged-off: Total real estate loans0.0000%1,096
Percentage Net Loans Charged-off:Construction & development0.0000%159
Percentage Net Loans Charged-off: Commercial real estate0.0000%544
Percentage Net Loans Charged-off: Multi-family residential0.0000%57
Percentage Net Loans Charged-off: 1-4 family residential0.0000%792
Percentage Net Loans Charged-off: Home equity loans0.0000%181
All other 1-4 family - Percent of loans charged-off, net0.0000%755
Percentage Net Loans Charged-off: Commercial and industrial0.0692%772
Percentage Net Loans Charged-off: Loans to individuals0.4385%831
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.4385%748
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%21
2021-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1531%509
Percentage Net Loans Charged-off: Total real estate loans0.0000%775
Percentage Net Loans Charged-off:Construction & development0.0000%118
Percentage Net Loans Charged-off: Commercial real estate0.0000%349
Percentage Net Loans Charged-off: Multi-family residential0.0000%31
Percentage Net Loans Charged-off: 1-4 family residential0.0000%564
Percentage Net Loans Charged-off: Home equity loans0.0000%133
All other 1-4 family - Percent of loans charged-off, net0.0000%521
Percentage Net Loans Charged-off: Commercial and industrial0.0602%623
Percentage Net Loans Charged-off: Loans to individuals0.5296%765
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.5296%683
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%17
2020-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2115%822
Percentage Net Loans Charged-off: Total real estate loans0.0130%1,550
Percentage Net Loans Charged-off:Construction & development0.0000%346
Percentage Net Loans Charged-off: Commercial real estate0.0257%833
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,540
Percentage Net Loans Charged-off: Home equity loans0.0000%398
All other 1-4 family - Percent of loans charged-off, net0.0000%1,462
Percentage Net Loans Charged-off: Commercial and industrial0.0603%1,633
Percentage Net Loans Charged-off: Loans to individuals0.8115%778
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.8115%709
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%41
2020-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2132%713
Percentage Net Loans Charged-off: Total real estate loans0.0171%1,252
Percentage Net Loans Charged-off:Construction & development0.0000%273
Percentage Net Loans Charged-off: Commercial real estate0.0335%603
Percentage Net Loans Charged-off: Multi-family residential0.0000%74
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,326
Percentage Net Loans Charged-off: Home equity loans0.0000%349
All other 1-4 family - Percent of loans charged-off, net0.0000%1,241
Percentage Net Loans Charged-off: Commercial and industrial0.0376%1,539
Percentage Net Loans Charged-off: Loans to individuals0.8596%709
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.8596%636
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%38
2020-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2519%626
Percentage Net Loans Charged-off: Total real estate loans0.0000%1,486
Percentage Net Loans Charged-off:Construction & development0.0000%191
Percentage Net Loans Charged-off: Commercial real estate0.0000%666
Percentage Net Loans Charged-off: Multi-family residential0.0000%54
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,154
Percentage Net Loans Charged-off: Home equity loans0.0000%293
All other 1-4 family - Percent of loans charged-off, net0.0000%1,087
Percentage Net Loans Charged-off: Commercial and industrial0.0412%1,334
Percentage Net Loans Charged-off: Loans to individuals1.1092%620
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual1.1092%548
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%28
2020-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2691%540
Percentage Net Loans Charged-off: Total real estate loans0.0000%1,097
Percentage Net Loans Charged-off:Construction & development0.0000%120
Percentage Net Loans Charged-off: Commercial real estate0.0000%429
Percentage Net Loans Charged-off: Multi-family residential0.0000%26
Percentage Net Loans Charged-off: 1-4 family residential0.0000%861
Percentage Net Loans Charged-off: Home equity loans0.0000%210
All other 1-4 family - Percent of loans charged-off, net0.0000%803
Percentage Net Loans Charged-off: Commercial and industrial0.0562%943
Percentage Net Loans Charged-off: Loans to individuals1.1739%672
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual1.1739%605
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%19
2019-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3596%556
Percentage Net Loans Charged-off: Total real estate loans-0.0037%4,014
Percentage Net Loans Charged-off:Construction & development0.0000%402
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,108
Percentage Net Loans Charged-off: Multi-family residential0.0000%116
Percentage Net Loans Charged-off: 1-4 family residential-0.0135%4,297
Percentage Net Loans Charged-off: Home equity loans0.0187%435
All other 1-4 family - Percent of loans charged-off, net-0.0180%4,417
Percentage Net Loans Charged-off: Commercial and industrial0.4237%984
Percentage Net Loans Charged-off: Loans to individuals1.2915%587
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual1.2915%518
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%45
2019-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3809%437
Percentage Net Loans Charged-off: Total real estate loans-0.0059%4,080
Percentage Net Loans Charged-off:Construction & development0.0000%304
Percentage Net Loans Charged-off: Commercial real estate0.0000%880
Percentage Net Loans Charged-off: Multi-family residential0.0000%91
Percentage Net Loans Charged-off: 1-4 family residential-0.0220%4,483
Percentage Net Loans Charged-off: Home equity loans0.0275%338
All other 1-4 family - Percent of loans charged-off, net-0.0298%4,616
Percentage Net Loans Charged-off: Commercial and industrial0.4996%740
Percentage Net Loans Charged-off: Loans to individuals1.2613%591
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual1.2613%525
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%40
2019-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4538%357
Percentage Net Loans Charged-off: Total real estate loans-0.0014%3,800
Percentage Net Loans Charged-off:Construction & development0.0000%234
Percentage Net Loans Charged-off: Commercial real estate0.0000%706
Percentage Net Loans Charged-off: Multi-family residential0.0000%61
Percentage Net Loans Charged-off: 1-4 family residential-0.0058%4,119
Percentage Net Loans Charged-off: Home equity loans-0.0071%3,487
All other 1-4 family - Percent of loans charged-off, net-0.0056%4,131
Percentage Net Loans Charged-off: Commercial and industrial0.0065%1,551
Percentage Net Loans Charged-off: Loans to individuals1.3561%521
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual1.3561%471
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%27
2019-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4871%310
Percentage Net Loans Charged-off: Total real estate loans-0.0024%3,962
Percentage Net Loans Charged-off:Construction & development0.0000%153
Percentage Net Loans Charged-off: Commercial real estate0.0000%441
Percentage Net Loans Charged-off: Multi-family residential0.0000%46
Percentage Net Loans Charged-off: 1-4 family residential-0.0099%4,330
Percentage Net Loans Charged-off: Home equity loans-0.0140%3,613
All other 1-4 family - Percent of loans charged-off, net-0.0090%4,342
Percentage Net Loans Charged-off: Commercial and industrial0.0146%1,067
Percentage Net Loans Charged-off: Loans to individuals1.5278%472
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual1.5278%415
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%19
2018-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4322%424
Percentage Net Loans Charged-off: Total real estate loans-0.0006%3,889
Percentage Net Loans Charged-off:Construction & development0.0000%424
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,145
Percentage Net Loans Charged-off: Multi-family residential0.0000%128
Percentage Net Loans Charged-off: 1-4 family residential-0.0027%4,188
Percentage Net Loans Charged-off: Home equity loans0.0008%567
All other 1-4 family - Percent of loans charged-off, net-0.0036%4,264
Percentage Net Loans Charged-off: Commercial and industrial0.0376%1,939
Percentage Net Loans Charged-off: Loans to individuals1.3273%562
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual1.3273%497
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%40
2018-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4148%387
Percentage Net Loans Charged-off: Total real estate loans0.0000%2,006
Percentage Net Loans Charged-off:Construction & development0.0000%325
Percentage Net Loans Charged-off: Commercial real estate0.0000%901
Percentage Net Loans Charged-off: Multi-family residential0.0000%106
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,786
Percentage Net Loans Charged-off: Home equity loans0.0089%454
All other 1-4 family - Percent of loans charged-off, net-0.0026%4,200
Percentage Net Loans Charged-off: Commercial and industrial0.0396%1,638
Percentage Net Loans Charged-off: Loans to individuals1.2699%572
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual1.2699%512
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%38
2018-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3749%422
Percentage Net Loans Charged-off: Total real estate loans-0.0003%3,767
Percentage Net Loans Charged-off:Construction & development0.0000%257
Percentage Net Loans Charged-off: Commercial real estate0.0000%695
Percentage Net Loans Charged-off: Multi-family residential0.0000%79
Percentage Net Loans Charged-off: 1-4 family residential-0.0014%4,109
Percentage Net Loans Charged-off: Home equity loans-0.0044%3,569
All other 1-4 family - Percent of loans charged-off, net-0.0005%4,151
Percentage Net Loans Charged-off: Commercial and industrial0.0278%1,455
Percentage Net Loans Charged-off: Loans to individuals1.1355%627
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual1.1355%559
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%32
2018-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3459%446
Percentage Net Loans Charged-off: Total real estate loans0.0000%1,280
Percentage Net Loans Charged-off:Construction & development0.0000%165
Percentage Net Loans Charged-off: Commercial real estate0.0000%466
Percentage Net Loans Charged-off: Multi-family residential0.0000%42
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,125
Percentage Net Loans Charged-off: Home equity loans0.0000%288
All other 1-4 family - Percent of loans charged-off, net0.0000%1,039
Percentage Net Loans Charged-off: Commercial and industrial0.0380%977
Percentage Net Loans Charged-off: Loans to individuals0.9616%805
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.9616%711
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%19
2017-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1200%1,848
Percentage Net Loans Charged-off: Total real estate loans0.0174%2,120
Percentage Net Loans Charged-off:Construction & development0.0000%519
Percentage Net Loans Charged-off: Commercial real estate0.0437%958
Percentage Net Loans Charged-off: Multi-family residential0.0000%180
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,399
Percentage Net Loans Charged-off: Home equity loans0.0000%680
All other 1-4 family - Percent of loans charged-off, net0.0000%2,289
Percentage Net Loans Charged-off: Commercial and industrial0.0086%2,346
Percentage Net Loans Charged-off: Loans to individuals0.3295%2,214
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.3295%2,076
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%42
2017-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0906%1,890
Percentage Net Loans Charged-off: Total real estate loans0.0232%1,733
Percentage Net Loans Charged-off:Construction & development0.0000%426
Percentage Net Loans Charged-off: Commercial real estate0.0573%692
Percentage Net Loans Charged-off: Multi-family residential0.0000%143
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,100
Percentage Net Loans Charged-off: Home equity loans0.0000%589
All other 1-4 family - Percent of loans charged-off, net0.0000%2,002
Percentage Net Loans Charged-off: Commercial and industrial0.0223%1,876
Percentage Net Loans Charged-off: Loans to individuals0.2296%2,410
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.2296%2,265
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%38
2017-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0990%1,634
Percentage Net Loans Charged-off: Total real estate loans0.0684%996
Percentage Net Loans Charged-off:Construction & development0.0000%340
Percentage Net Loans Charged-off: Commercial real estate0.1663%363
Percentage Net Loans Charged-off: Multi-family residential0.0000%105
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,811
Percentage Net Loans Charged-off: Home equity loans0.0000%486
All other 1-4 family - Percent of loans charged-off, net0.0000%1,712
Percentage Net Loans Charged-off: Commercial and industrial0.0291%1,548
Percentage Net Loans Charged-off: Loans to individuals0.1798%2,381
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.1798%2,245
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%32
2017-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1074%1,309
Percentage Net Loans Charged-off: Total real estate loans0.1373%521
Percentage Net Loans Charged-off:Construction & development0.0000%224
Percentage Net Loans Charged-off: Commercial real estate0.3287%163
Percentage Net Loans Charged-off: Multi-family residential0.0000%65
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,343
Percentage Net Loans Charged-off: Home equity loans0.0000%357
All other 1-4 family - Percent of loans charged-off, net0.0000%1,248
Percentage Net Loans Charged-off: Commercial and industrial-0.0091%4,025
Percentage Net Loans Charged-off: Loans to individuals0.0941%2,326
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.0941%2,192
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%25
2016-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0012%4,661
Percentage Net Loans Charged-off: Total real estate loans-0.0191%4,995
Percentage Net Loans Charged-off:Construction & development0.0000%574
Percentage Net Loans Charged-off: Commercial real estate-0.0447%5,262
Percentage Net Loans Charged-off: Multi-family residential0.0000%220
Percentage Net Loans Charged-off: 1-4 family residential0.0105%2,559
Percentage Net Loans Charged-off: Home equity loans0.0025%790
All other 1-4 family - Percent of loans charged-off, net0.0142%2,384
Percentage Net Loans Charged-off: Commercial and industrial0.0196%2,286
Percentage Net Loans Charged-off: Loans to individuals0.0606%3,450
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.0606%3,319
Percentage Net Loans Charged-off: All other loans and lease0.0890%1,202
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%40
2016-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0115%4,819
Percentage Net Loans Charged-off: Total real estate loans-0.0285%5,132
Percentage Net Loans Charged-off:Construction & development0.0000%470
Percentage Net Loans Charged-off: Commercial real estate-0.0634%5,403
Percentage Net Loans Charged-off: Multi-family residential0.0000%177
Percentage Net Loans Charged-off: 1-4 family residential0.0154%2,182
Percentage Net Loans Charged-off: Home equity loans0.0036%681
All other 1-4 family - Percent of loans charged-off, net0.0209%2,006
Percentage Net Loans Charged-off: Commercial and industrial0.0397%1,817
Percentage Net Loans Charged-off: Loans to individuals0.0992%2,928
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.0837%2,865
Percentage Net Loans Charged-off: All other loans and lease0.0827%1,040
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%36
2016-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0139%4,807
Percentage Net Loans Charged-off: Total real estate loans-0.0406%5,281
Percentage Net Loans Charged-off:Construction & development0.0000%380
Percentage Net Loans Charged-off: Commercial real estate-0.0873%5,561
Percentage Net Loans Charged-off: Multi-family residential0.0000%148
Percentage Net Loans Charged-off: 1-4 family residential0.0227%1,829
Percentage Net Loans Charged-off: Home equity loans0.0000%570
All other 1-4 family - Percent of loans charged-off, net0.0344%1,637
Percentage Net Loans Charged-off: Commercial and industrial0.0837%1,369
Percentage Net Loans Charged-off: Loans to individuals0.1450%2,500
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.1227%2,444
Percentage Net Loans Charged-off: All other loans and lease0.0581%962
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%24
2016-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0682%5,477
Percentage Net Loans Charged-off: Total real estate loans-0.0976%5,657
Percentage Net Loans Charged-off:Construction & development0.0000%253
Percentage Net Loans Charged-off: Commercial real estate-0.1771%5,778
Percentage Net Loans Charged-off: Multi-family residential0.0000%90
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,585
Percentage Net Loans Charged-off: Home equity loans0.0000%408
All other 1-4 family - Percent of loans charged-off, net0.0000%1,477
Percentage Net Loans Charged-off: Commercial and industrial0.0827%995
Percentage Net Loans Charged-off: Loans to individuals0.0126%2,469
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.0126%2,322
Percentage Net Loans Charged-off: All other loans and lease0.0782%730
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%21
2015-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0185%3,907
Percentage Net Loans Charged-off: Total real estate loans0.0071%3,140
Percentage Net Loans Charged-off:Construction & development-0.0362%4,852
Percentage Net Loans Charged-off: Commercial real estate0.0152%1,501
Percentage Net Loans Charged-off: Multi-family residential0.0000%287
Percentage Net Loans Charged-off: 1-4 family residential0.0000%3,071
Percentage Net Loans Charged-off: Home equity loans0.0000%945
All other 1-4 family - Percent of loans charged-off, net0.0000%2,931
Percentage Net Loans Charged-off: Commercial and industrial0.0961%1,932
Percentage Net Loans Charged-off: Loans to individuals0.0180%3,676
Percentage Net Loans Charged-off: Credit card loans0.0000%747
Percentage Net Loans Charged-off: Other loans to individual0.0180%3,531
Percentage Net Loans Charged-off: All other loans and lease0.0441%1,211
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%43
2015-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0047%4,011
Percentage Net Loans Charged-off: Total real estate loans0.0000%3,032
Percentage Net Loans Charged-off:Construction & development0.0000%691
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,413
Percentage Net Loans Charged-off: Multi-family residential0.0000%241
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,781
Percentage Net Loans Charged-off: Home equity loans0.0000%830
All other 1-4 family - Percent of loans charged-off, net0.0000%2,664
Percentage Net Loans Charged-off: Commercial and industrial0.0355%1,893
Percentage Net Loans Charged-off: Loans to individuals0.0000%3,397
Percentage Net Loans Charged-off: Credit card loans0.0000%684
Percentage Net Loans Charged-off: Other loans to individual0.0000%3,255
Percentage Net Loans Charged-off: All other loans and lease0.0411%1,101
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%33
2015-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0000%3,893
Percentage Net Loans Charged-off: Total real estate loans0.0000%2,722
Percentage Net Loans Charged-off:Construction & development0.0000%555
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,187
Percentage Net Loans Charged-off: Multi-family residential0.0000%188
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,507
Percentage Net Loans Charged-off: Home equity loans0.0000%710
All other 1-4 family - Percent of loans charged-off, net0.0000%2,362
Percentage Net Loans Charged-off: Commercial and industrial0.0000%1,760
Percentage Net Loans Charged-off: Loans to individuals0.0000%3,048
Percentage Net Loans Charged-off: Credit card loans0.0000%596
Percentage Net Loans Charged-off: Other loans to individual0.0000%2,908
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,136
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%28
2015-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.1625%5,997
Percentage Net Loans Charged-off: Total real estate loans-0.2554%6,114
Percentage Net Loans Charged-off:Construction & development-0.0843%5,238
Percentage Net Loans Charged-off: Commercial real estate-0.3708%6,130
Percentage Net Loans Charged-off: Multi-family residential0.0000%126
Percentage Net Loans Charged-off: 1-4 family residential-0.0317%5,580
Percentage Net Loans Charged-off: Home equity loans-0.0159%4,253
All other 1-4 family - Percent of loans charged-off, net-0.0458%5,730
Percentage Net Loans Charged-off: Commercial and industrial0.1528%841
Percentage Net Loans Charged-off: Loans to individuals0.0066%2,506
Percentage Net Loans Charged-off: Credit card loans0.0000%478
Percentage Net Loans Charged-off: Other loans to individual0.0066%2,375
Percentage Net Loans Charged-off: All other loans and lease0.6366%361
Percentage Net Loans Charged-off:Coml. RE not secured by RE-0.1248%1,206
2014-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.2636%6,312
Percentage Net Loans Charged-off: Total real estate loans-0.0334%5,796
Percentage Net Loans Charged-off:Construction & development-0.6347%5,641
Percentage Net Loans Charged-off: Commercial real estate0.0743%1,682
Percentage Net Loans Charged-off: Multi-family residential0.0000%420
Percentage Net Loans Charged-off: 1-4 family residential-0.2110%6,234
Percentage Net Loans Charged-off: Home equity loans-0.4048%4,726
All other 1-4 family - Percent of loans charged-off, net-0.0517%5,973
Percentage Net Loans Charged-off: Commercial and industrial-2.3533%6,188
Percentage Net Loans Charged-off: Loans to individuals0.0335%3,788
Percentage Net Loans Charged-off: Credit card loans0.0000%778
Percentage Net Loans Charged-off: Other loans to individual0.0335%3,667
Percentage Net Loans Charged-off: All other loans and lease0.2014%886
Percentage Net Loans Charged-off:Coml. RE not secured by RE-26.9016%1,350
2014-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0153%4,245
Percentage Net Loans Charged-off: Total real estate loans-0.0229%5,711
Percentage Net Loans Charged-off:Construction & development-0.7886%5,733
Percentage Net Loans Charged-off: Commercial real estate0.1089%1,285
Percentage Net Loans Charged-off: Multi-family residential0.0000%357
Percentage Net Loans Charged-off: 1-4 family residential-0.2389%6,306
Percentage Net Loans Charged-off: Home equity loans-0.4856%4,776
All other 1-4 family - Percent of loans charged-off, net-0.0386%5,946
Percentage Net Loans Charged-off: Commercial and industrial0.2319%1,497
Percentage Net Loans Charged-off: Loans to individuals0.0189%3,573
Percentage Net Loans Charged-off: Credit card loans0.0000%720
Percentage Net Loans Charged-off: Other loans to individual0.0189%3,425
Percentage Net Loans Charged-off: All other loans and lease0.2471%756
Percentage Net Loans Charged-off:Coml. RE not secured by RE-7.5410%1,332
2014-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0145%3,945
Percentage Net Loans Charged-off: Total real estate loans-0.0788%6,114
Percentage Net Loans Charged-off:Construction & development-0.1852%5,506
Percentage Net Loans Charged-off: Commercial real estate-0.0152%5,689
Percentage Net Loans Charged-off: Multi-family residential0.0000%280
Percentage Net Loans Charged-off: 1-4 family residential-0.3459%6,424
Percentage Net Loans Charged-off: Home equity loans-0.7216%4,828
All other 1-4 family - Percent of loans charged-off, net-0.0405%6,000
Percentage Net Loans Charged-off: Commercial and industrial0.6214%855
Percentage Net Loans Charged-off: Loans to individuals0.0129%3,280
Percentage Net Loans Charged-off: Credit card loans0.0000%642
Percentage Net Loans Charged-off: Other loans to individual0.0129%3,135
Percentage Net Loans Charged-off: All other loans and lease0.3532%574
Percentage Net Loans Charged-off:Coml. RE not secured by RE-1.6451%1,294
2014-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0140%3,318
Percentage Net Loans Charged-off: Total real estate loans-0.1962%6,413
Percentage Net Loans Charged-off:Construction & development-0.1709%5,604
Percentage Net Loans Charged-off: Commercial real estate-0.1152%6,272
Percentage Net Loans Charged-off: Multi-family residential0.0000%176
Percentage Net Loans Charged-off: 1-4 family residential-0.6588%6,552
Percentage Net Loans Charged-off: Home equity loans-1.4334%4,875
All other 1-4 family - Percent of loans charged-off, net-0.0419%6,011
Percentage Net Loans Charged-off: Commercial and industrial1.5745%359
Percentage Net Loans Charged-off: Loans to individuals0.0624%2,607
Percentage Net Loans Charged-off: Credit card loans0.0000%507
Percentage Net Loans Charged-off: Other loans to individual0.0624%2,479
Percentage Net Loans Charged-off: All other loans and lease0.0944%730
Percentage Net Loans Charged-off:Coml. RE not secured by RE-1.4292%1,266
2013-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1823%3,010
Percentage Net Loans Charged-off: Total real estate loans0.2878%1,814
Percentage Net Loans Charged-off:Construction & development-0.3182%5,771
Percentage Net Loans Charged-off: Commercial real estate0.5781%955
Percentage Net Loans Charged-off: Multi-family residential0.0000%619
Percentage Net Loans Charged-off: 1-4 family residential-0.5782%6,645
Percentage Net Loans Charged-off: Home equity loans-0.0578%4,760
All other 1-4 family - Percent of loans charged-off, net-0.9831%6,661
Percentage Net Loans Charged-off: Commercial and industrial-0.6345%6,266
Percentage Net Loans Charged-off: Loans to individuals0.0408%4,037
Percentage Net Loans Charged-off: Credit card loans0.0000%806
Percentage Net Loans Charged-off: Other loans to individual0.0408%3,900
Percentage Net Loans Charged-off: All other loans and lease0.1883%926
Percentage Net Loans Charged-off:Coml. RE not secured by RE-5.7828%1,420
2013-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2373%2,381
Percentage Net Loans Charged-off: Total real estate loans0.2531%1,877
Percentage Net Loans Charged-off:Construction & development-0.3459%5,848
Percentage Net Loans Charged-off: Commercial real estate0.4244%1,059
Percentage Net Loans Charged-off: Multi-family residential0.0000%515
Percentage Net Loans Charged-off: 1-4 family residential-0.1354%6,521
Percentage Net Loans Charged-off: Home equity loans-0.0707%4,810
All other 1-4 family - Percent of loans charged-off, net-0.1858%6,560
Percentage Net Loans Charged-off: Commercial and industrial0.2940%1,749
Percentage Net Loans Charged-off: Loans to individuals-0.0052%5,514
Percentage Net Loans Charged-off: Credit card loans0.0000%736
Percentage Net Loans Charged-off: Other loans to individual-0.0052%5,435
Percentage Net Loans Charged-off: All other loans and lease0.2317%812
Percentage Net Loans Charged-off:Coml. RE not secured by RE-1.2964%1,382
2013-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1490%2,911
Percentage Net Loans Charged-off: Total real estate loans0.1542%2,340
Percentage Net Loans Charged-off:Construction & development-0.4771%5,940
Percentage Net Loans Charged-off: Commercial real estate0.2933%1,160
Percentage Net Loans Charged-off: Multi-family residential0.0000%425
Percentage Net Loans Charged-off: 1-4 family residential-0.1345%6,535
Percentage Net Loans Charged-off: Home equity loans-0.0980%4,841
All other 1-4 family - Percent of loans charged-off, net-0.1632%6,558
Percentage Net Loans Charged-off: Commercial and industrial0.1600%1,820
Percentage Net Loans Charged-off: Loans to individuals0.0195%3,418
Percentage Net Loans Charged-off: Credit card loans0.0000%668
Percentage Net Loans Charged-off: Other loans to individual0.0195%3,281
Percentage Net Loans Charged-off: All other loans and lease0.3222%658
Percentage Net Loans Charged-off:Coml. RE not secured by RE-0.9515%1,346
2013-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2620%1,911
Percentage Net Loans Charged-off: Total real estate loans0.2834%1,513
Percentage Net Loans Charged-off:Construction & development-0.7499%6,050
Percentage Net Loans Charged-off: Commercial real estate0.4897%713
Percentage Net Loans Charged-off: Multi-family residential0.0000%295
Percentage Net Loans Charged-off: 1-4 family residential-0.0989%6,505
Percentage Net Loans Charged-off: Home equity loans-0.1842%4,917
All other 1-4 family - Percent of loans charged-off, net-0.0311%6,214
Percentage Net Loans Charged-off: Commercial and industrial0.1821%1,290
Percentage Net Loans Charged-off: Loans to individuals0.0000%2,801
Percentage Net Loans Charged-off: Credit card loans0.0000%554
Percentage Net Loans Charged-off: Other loans to individual0.0000%2,652
Percentage Net Loans Charged-off: All other loans and lease0.6178%430
Percentage Net Loans Charged-off:Coml. RE not secured by RE-1.0992%1,314
2012-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4271%2,528
Percentage Net Loans Charged-off: Total real estate loans0.6055%1,681
Percentage Net Loans Charged-off:Construction & development5.4196%507
Percentage Net Loans Charged-off: Commercial real estate0.0564%2,894
Percentage Net Loans Charged-off: Multi-family residential0.0000%851
Percentage Net Loans Charged-off: 1-4 family residential0.8836%1,032
Percentage Net Loans Charged-off: Home equity loans0.8848%723
All other 1-4 family - Percent of loans charged-off, net0.8827%1,035
Percentage Net Loans Charged-off: Commercial and industrial-0.7659%6,601
Percentage Net Loans Charged-off: Loans to individuals-0.0166%5,938
Percentage Net Loans Charged-off: Credit card loans0.0000%887
Percentage Net Loans Charged-off: Other loans to individual-0.0166%5,863
Percentage Net Loans Charged-off: All other loans and lease0.2162%1,025
Percentage Net Loans Charged-off:Coml. RE not secured by RE-8.9108%1,470
2012-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.5719%1,905
Percentage Net Loans Charged-off: Total real estate loans0.8278%1,206
Percentage Net Loans Charged-off:Construction & development8.2836%333
Percentage Net Loans Charged-off: Commercial real estate-0.0079%6,452
Percentage Net Loans Charged-off: Multi-family residential0.0000%745
Percentage Net Loans Charged-off: 1-4 family residential0.9569%921
Percentage Net Loans Charged-off: Home equity loans0.9689%627
All other 1-4 family - Percent of loans charged-off, net0.9480%941
Percentage Net Loans Charged-off: Commercial and industrial-1.1033%6,729
Percentage Net Loans Charged-off: Loans to individuals-0.0335%5,939
Percentage Net Loans Charged-off: Credit card loans0.0000%811
Percentage Net Loans Charged-off: Other loans to individual-0.0335%5,851
Percentage Net Loans Charged-off: All other loans and lease0.1113%1,093
Percentage Net Loans Charged-off:Coml. RE not secured by RE-11.0240%1,458
2012-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.7521%1,467
Percentage Net Loans Charged-off: Total real estate loans0.9442%1,039
Percentage Net Loans Charged-off:Construction & development8.8240%312
Percentage Net Loans Charged-off: Commercial real estate0.0480%2,244
Percentage Net Loans Charged-off: Multi-family residential0.0000%593
Percentage Net Loans Charged-off: 1-4 family residential0.8380%1,078
Percentage Net Loans Charged-off: Home equity loans0.3615%955
All other 1-4 family - Percent of loans charged-off, net1.1888%731
Percentage Net Loans Charged-off: Commercial and industrial-0.2755%6,401
Percentage Net Loans Charged-off: Loans to individuals-0.0270%5,764
Percentage Net Loans Charged-off: Credit card loans0.0000%735
Percentage Net Loans Charged-off: Other loans to individual-0.0270%5,664
Percentage Net Loans Charged-off: All other loans and lease0.0969%999
Percentage Net Loans Charged-off:Coml. RE not secured by RE-4.5833%1,419
2012-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3382%2,304
Percentage Net Loans Charged-off: Total real estate loans0.3273%2,056
Percentage Net Loans Charged-off:Construction & development3.4055%561
Percentage Net Loans Charged-off: Commercial real estate-0.0399%6,735
Percentage Net Loans Charged-off: Multi-family residential0.0000%388
Percentage Net Loans Charged-off: 1-4 family residential0.2201%2,118
Percentage Net Loans Charged-off: Home equity loans0.1497%895
All other 1-4 family - Percent of loans charged-off, net0.2717%1,842
Percentage Net Loans Charged-off: Commercial and industrial0.6371%1,160
Percentage Net Loans Charged-off: Loans to individuals-0.0044%5,615
Percentage Net Loans Charged-off: Credit card loans0.0000%576
Percentage Net Loans Charged-off: Other loans to individual-0.0044%5,537
Percentage Net Loans Charged-off: All other loans and lease0.1076%752
Percentage Net Loans Charged-off:Coml. RE not secured by RE-6.5100%1,379
2011-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans1.2835%1,289
Percentage Net Loans Charged-off: Total real estate loans1.6364%910
Percentage Net Loans Charged-off:Construction & development5.9764%823
Percentage Net Loans Charged-off: Commercial real estate1.2607%990
Percentage Net Loans Charged-off: Multi-family residential0.0000%1,014
Percentage Net Loans Charged-off: 1-4 family residential0.7818%1,564
Percentage Net Loans Charged-off: Home equity loans0.5137%1,216
All other 1-4 family - Percent of loans charged-off, net0.9786%1,257
Percentage Net Loans Charged-off: Commercial and industrial-0.6378%6,861
Percentage Net Loans Charged-off: Loans to individuals-0.0556%6,482
Percentage Net Loans Charged-off: Credit card loans0.0000%959
Percentage Net Loans Charged-off: Other loans to individual-0.0497%6,421
Percentage Net Loans Charged-off: All other loans and lease0.2948%1,005
Percentage Net Loans Charged-off:Coml. RE not secured by RE-7.0357%1,426
2011-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans1.4011%1,071
Percentage Net Loans Charged-off: Total real estate loans1.9837%609
Percentage Net Loans Charged-off:Construction & development6.1429%731
Percentage Net Loans Charged-off: Commercial real estate1.6635%642
Percentage Net Loans Charged-off: Multi-family residential0.0000%856
Percentage Net Loans Charged-off: 1-4 family residential1.0149%1,173
Percentage Net Loans Charged-off: Home equity loans0.6638%957
All other 1-4 family - Percent of loans charged-off, net1.2718%909
Percentage Net Loans Charged-off: Commercial and industrial-2.1439%7,055
Percentage Net Loans Charged-off: Loans to individuals-0.0641%6,413
Percentage Net Loans Charged-off: Credit card loans0.0000%902
Percentage Net Loans Charged-off: Other loans to individual-0.0554%6,333
Percentage Net Loans Charged-off: All other loans and lease0.1710%1,082
Percentage Net Loans Charged-off:Coml. RE not secured by RE-14.0604%1,409
2011-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans1.5977%919
Percentage Net Loans Charged-off: Total real estate loans2.3170%508
Percentage Net Loans Charged-off:Construction & development3.9738%969
Percentage Net Loans Charged-off: Commercial real estate2.4946%401
Percentage Net Loans Charged-off: Multi-family residential0.0000%678
Percentage Net Loans Charged-off: 1-4 family residential1.3353%880
Percentage Net Loans Charged-off: Home equity loans0.9140%747
All other 1-4 family - Percent of loans charged-off, net1.6425%704
Percentage Net Loans Charged-off: Commercial and industrial-2.9672%7,151
Percentage Net Loans Charged-off: Loans to individuals-0.0877%6,346
Percentage Net Loans Charged-off: Credit card loans0.0000%808
Percentage Net Loans Charged-off: Other loans to individual-0.0710%6,277
Percentage Net Loans Charged-off: All other loans and lease0.0570%1,177
Percentage Net Loans Charged-off:Coml. RE not secured by RE-18.6430%1,379
2011-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0331%4,631
Percentage Net Loans Charged-off: Total real estate loans0.1727%2,858
Percentage Net Loans Charged-off:Construction & development0.0000%1,696
Percentage Net Loans Charged-off: Commercial real estate0.0940%1,682
Percentage Net Loans Charged-off: Multi-family residential0.0000%440
Percentage Net Loans Charged-off: 1-4 family residential0.6133%1,365
Percentage Net Loans Charged-off: Home equity loans-0.0346%5,271
All other 1-4 family - Percent of loans charged-off, net1.0901%853
Percentage Net Loans Charged-off: Commercial and industrial-0.9856%7,065
Percentage Net Loans Charged-off: Loans to individuals-0.0825%6,104
Percentage Net Loans Charged-off: Credit card loans0.0000%649
Percentage Net Loans Charged-off: Other loans to individual-0.0659%6,048
Percentage Net Loans Charged-off: All other loans and lease-0.1692%6,259
Percentage Net Loans Charged-off:Coml. RE not secured by RE-5.5755%1,356
2010-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans1.3730%1,630
Percentage Net Loans Charged-off: Total real estate loans1.3273%1,472
Percentage Net Loans Charged-off:Construction & development3.9873%1,478
Percentage Net Loans Charged-off: Commercial real estate1.0803%1,207
Percentage Net Loans Charged-off: Multi-family residential0.0000%1,098
Percentage Net Loans Charged-off: 1-4 family residential0.5724%2,096
Percentage Net Loans Charged-off: Home equity loans0.6515%1,118
All other 1-4 family - Percent of loans charged-off, net0.5151%2,185
Percentage Net Loans Charged-off: Commercial and industrial2.2029%1,485
Percentage Net Loans Charged-off: Loans to individuals0.5353%3,309
Percentage Net Loans Charged-off: Credit card loans0.0000%1,060
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.4355%1,127
Percentage Net Loans Charged-off:Coml. RE not secured by RE6.1419%84
2010-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans1.4430%1,409
Percentage Net Loans Charged-off: Total real estate loans1.2240%1,478
Percentage Net Loans Charged-off:Construction & development4.4810%1,221
Percentage Net Loans Charged-off: Commercial real estate0.8338%1,307
Percentage Net Loans Charged-off: Multi-family residential0.0000%888
Percentage Net Loans Charged-off: 1-4 family residential0.3991%2,375
Percentage Net Loans Charged-off: Home equity loans0.0122%1,691
All other 1-4 family - Percent of loans charged-off, net0.6781%1,659
Percentage Net Loans Charged-off: Commercial and industrial3.2960%921
Percentage Net Loans Charged-off: Loans to individuals0.8219%2,335
Percentage Net Loans Charged-off: Credit card loans0.0000%993
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.4075%1,044
Percentage Net Loans Charged-off:Coml. RE not secured by RE10.0994%57
2010-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans1.1489%1,656
Percentage Net Loans Charged-off: Total real estate loans1.2425%1,337
Percentage Net Loans Charged-off:Construction & development2.6473%1,453
Percentage Net Loans Charged-off: Commercial real estate1.2213%855
Percentage Net Loans Charged-off: Multi-family residential0.0000%710
Percentage Net Loans Charged-off: 1-4 family residential0.5780%1,736
Percentage Net Loans Charged-off: Home equity loans0.0000%1,414
All other 1-4 family - Percent of loans charged-off, net0.9919%1,151
Percentage Net Loans Charged-off: Commercial and industrial0.6905%2,370
Percentage Net Loans Charged-off: Loans to individuals1.0863%1,782
Percentage Net Loans Charged-off: Credit card loans0.0000%903
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.4731%879
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.9449%88
2010-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.6388%2,224
Percentage Net Loans Charged-off: Total real estate loans0.7924%1,600
Percentage Net Loans Charged-off:Construction & development3.8815%915
Percentage Net Loans Charged-off: Commercial real estate0.3335%1,257
Percentage Net Loans Charged-off: Multi-family residential0.0000%457
Percentage Net Loans Charged-off: 1-4 family residential0.0577%2,837
Percentage Net Loans Charged-off: Home equity loans0.0000%974
All other 1-4 family - Percent of loans charged-off, net0.0997%2,494
Percentage Net Loans Charged-off: Commercial and industrial-0.0097%6,369
Percentage Net Loans Charged-off: Loans to individuals0.1972%3,370
Percentage Net Loans Charged-off: Credit card loans0.0000%753
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.3846%765
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%72
2009-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans1.9465%1,273
Percentage Net Loans Charged-off: Total real estate loans1.0334%1,873
Percentage Net Loans Charged-off:Construction & development3.5665%1,571
Percentage Net Loans Charged-off: Commercial real estate0.5751%1,646
Percentage Net Loans Charged-off: Multi-family residential0.0000%922
Percentage Net Loans Charged-off: 1-4 family residential0.0000%4,946
Percentage Net Loans Charged-off: Home equity loans0.0000%1,916
All other 1-4 family - Percent of loans charged-off, net0.0000%4,738
Percentage Net Loans Charged-off: Commercial and industrial7.4960%416
Percentage Net Loans Charged-off: Loans to individuals0.7768%3,268
Percentage Net Loans Charged-off: Credit card loans0.0000%1,179
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.6976%1,134
Percentage Net Loans Charged-off:Coml. RE not secured by RE20.6314%59
2009-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans1.5250%1,336
Percentage Net Loans Charged-off: Total real estate loans0.5865%2,229
Percentage Net Loans Charged-off:Construction & development2.8234%1,467
Percentage Net Loans Charged-off: Commercial real estate0.0098%2,763
Percentage Net Loans Charged-off: Multi-family residential0.0000%708
Percentage Net Loans Charged-off: 1-4 family residential0.0000%4,457
Percentage Net Loans Charged-off: Home equity loans0.0000%1,611
All other 1-4 family - Percent of loans charged-off, net0.0000%4,220
Percentage Net Loans Charged-off: Commercial and industrial7.0462%374
Percentage Net Loans Charged-off: Loans to individuals0.4435%3,910
Percentage Net Loans Charged-off: Credit card loans0.0000%1,103
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.7213%967
Percentage Net Loans Charged-off:Coml. RE not secured by RE19.1526%59
2009-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans1.8584%1,013
Percentage Net Loans Charged-off: Total real estate loans0.7800%1,633
Percentage Net Loans Charged-off:Construction & development3.5884%1,048
Percentage Net Loans Charged-off: Commercial real estate0.0150%2,176
Percentage Net Loans Charged-off: Multi-family residential0.0000%531
Percentage Net Loans Charged-off: 1-4 family residential0.0000%3,865
Percentage Net Loans Charged-off: Home equity loans0.0000%1,287
All other 1-4 family - Percent of loans charged-off, net0.0000%3,607
Percentage Net Loans Charged-off: Commercial and industrial8.1822%328
Percentage Net Loans Charged-off: Loans to individuals0.5840%3,263
Percentage Net Loans Charged-off: Credit card loans0.0000%1,008
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.7291%853
Percentage Net Loans Charged-off:Coml. RE not secured by RE21.0638%38
2009-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans2.6847%495
Percentage Net Loans Charged-off: Total real estate loans1.0915%949
Percentage Net Loans Charged-off:Construction & development5.0102%562
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,395
Percentage Net Loans Charged-off: Multi-family residential0.0000%309
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,745
Percentage Net Loans Charged-off: Home equity loans0.0000%827
All other 1-4 family - Percent of loans charged-off, net0.0000%2,521
Percentage Net Loans Charged-off: Commercial and industrial12.1532%165
Percentage Net Loans Charged-off: Loans to individuals0.5514%2,839
Percentage Net Loans Charged-off: Credit card loans0.0000%800
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.9170%623
Percentage Net Loans Charged-off:Coml. RE not secured by RE31.0565%18
2008-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans1.2524%956
Percentage Net Loans Charged-off: Total real estate loans1.6028%549
Percentage Net Loans Charged-off:Construction & development7.8400%281
Percentage Net Loans Charged-off: Commercial real estate0.0000%2,362
Percentage Net Loans Charged-off: Multi-family residential0.0000%546
Percentage Net Loans Charged-off: 1-4 family residential0.0087%4,082
Percentage Net Loans Charged-off: Home equity loans0.0000%1,398
All other 1-4 family - Percent of loans charged-off, net0.0140%3,751
Percentage Net Loans Charged-off: Commercial and industrial0.3167%3,173
Percentage Net Loans Charged-off: Loans to individuals0.4402%3,955
Percentage Net Loans Charged-off: Credit card loans0.0000%1,198
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease1.0664%752
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%112
2008-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1348%3,954
Percentage Net Loans Charged-off: Total real estate loans0.0018%4,546
Percentage Net Loans Charged-off:Construction & development0.0000%2,246
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,766
Percentage Net Loans Charged-off: Multi-family residential0.0000%377
Percentage Net Loans Charged-off: 1-4 family residential0.0118%3,335
Percentage Net Loans Charged-off: Home equity loans0.0000%1,108
All other 1-4 family - Percent of loans charged-off, net0.0187%3,024
Percentage Net Loans Charged-off: Commercial and industrial0.4600%2,118
Percentage Net Loans Charged-off: Loans to individuals0.3440%3,819
Percentage Net Loans Charged-off: Credit card loans0.0000%1,100
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease1.0493%648
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%90
2008-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0793%4,135
Percentage Net Loans Charged-off: Total real estate loans0.0027%3,738
Percentage Net Loans Charged-off:Construction & development0.0000%1,702
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,334
Percentage Net Loans Charged-off: Multi-family residential0.0000%250
Percentage Net Loans Charged-off: 1-4 family residential0.0178%2,655
Percentage Net Loans Charged-off: Home equity loans0.0000%889
All other 1-4 family - Percent of loans charged-off, net0.0276%2,346
Percentage Net Loans Charged-off: Commercial and industrial-0.0153%6,878
Percentage Net Loans Charged-off: Loans to individuals0.3870%3,255
Percentage Net Loans Charged-off: Credit card loans0.0000%966
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease1.1010%549
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%70
2008-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1154%2,830
Percentage Net Loans Charged-off: Total real estate loans0.0000%2,687
Percentage Net Loans Charged-off:Construction & development0.0000%1,119
Percentage Net Loans Charged-off: Commercial real estate0.0000%813
Percentage Net Loans Charged-off: Multi-family residential0.0000%134
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,939
Percentage Net Loans Charged-off: Home equity loans0.0000%563
All other 1-4 family - Percent of loans charged-off, net0.0000%1,774
Percentage Net Loans Charged-off: Commercial and industrial-0.0317%6,979
Percentage Net Loans Charged-off: Loans to individuals0.6158%2,172
Percentage Net Loans Charged-off: Credit card loans0.0000%761
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease1.1398%455
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%39
2007-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0776%4,376
Percentage Net Loans Charged-off: Total real estate loans0.0000%4,242
Percentage Net Loans Charged-off:Construction & development0.0000%1,563
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,679
Percentage Net Loans Charged-off: Multi-family residential0.0000%289
Percentage Net Loans Charged-off: 1-4 family residential0.0000%3,352
Percentage Net Loans Charged-off: Home equity loans0.0000%938
All other 1-4 family - Percent of loans charged-off, net0.0000%3,111
Percentage Net Loans Charged-off: Commercial and industrial0.5018%1,886
Percentage Net Loans Charged-off: Loans to individuals0.0647%5,374
Percentage Net Loans Charged-off: Credit card loans0.0000%1,217
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0303%1,608
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0391%4,460
Percentage Net Loans Charged-off: Total real estate loans0.0000%3,385
Percentage Net Loans Charged-off:Construction & development0.0000%1,085
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,176
Percentage Net Loans Charged-off: Multi-family residential0.0000%199
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,699
Percentage Net Loans Charged-off: Home equity loans0.0000%720
All other 1-4 family - Percent of loans charged-off, net0.0000%2,489
Percentage Net Loans Charged-off: Commercial and industrial0.2459%2,076
Percentage Net Loans Charged-off: Loans to individuals0.0357%5,085
Percentage Net Loans Charged-off: Credit card loans0.0000%1,103
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0225%1,439
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0160%7,461
Percentage Net Loans Charged-off: Total real estate loans0.0000%2,712
Percentage Net Loans Charged-off:Construction & development0.0000%770
Percentage Net Loans Charged-off: Commercial real estate0.0000%881
Percentage Net Loans Charged-off: Multi-family residential0.0000%143
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,135
Percentage Net Loans Charged-off: Home equity loans0.0000%541
All other 1-4 family - Percent of loans charged-off, net0.0000%1,964
Percentage Net Loans Charged-off: Commercial and industrial-0.1164%7,438
Percentage Net Loans Charged-off: Loans to individuals-0.0039%6,981
Percentage Net Loans Charged-off: Credit card loans0.0000%965
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease-0.0067%6,824
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0184%7,227
Percentage Net Loans Charged-off: Total real estate loans0.0000%1,851
Percentage Net Loans Charged-off:Construction & development0.0000%444
Percentage Net Loans Charged-off: Commercial real estate0.0000%529
Percentage Net Loans Charged-off: Multi-family residential0.0000%76
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,473
Percentage Net Loans Charged-off: Home equity loans0.0000%371
All other 1-4 family - Percent of loans charged-off, net0.0000%1,345
Percentage Net Loans Charged-off: Commercial and industrial-0.1187%7,431
Percentage Net Loans Charged-off: Loans to individuals-0.0089%6,775
Percentage Net Loans Charged-off: Credit card loans0.0000%790
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease-0.0795%7,061
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0370%8,122
Percentage Net Loans Charged-off: Total real estate loans0.0000%3,458
Percentage Net Loans Charged-off:Construction & development0.0000%832
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,308
Percentage Net Loans Charged-off: Multi-family residential0.0000%200
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,928
Percentage Net Loans Charged-off: Home equity loans0.0000%709
All other 1-4 family - Percent of loans charged-off, net0.0000%2,723
Percentage Net Loans Charged-off: Commercial and industrial-0.3701%7,936
Percentage Net Loans Charged-off: Loans to individuals0.0425%5,500
Percentage Net Loans Charged-off: Credit card loans0.0000%1,256
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease-0.0093%6,842
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0526%8,111
Percentage Net Loans Charged-off: Total real estate loans0.0000%2,897
Percentage Net Loans Charged-off:Construction & development0.0000%620
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,012
Percentage Net Loans Charged-off: Multi-family residential0.0000%150
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,436
Percentage Net Loans Charged-off: Home equity loans0.0000%550
All other 1-4 family - Percent of loans charged-off, net0.0000%2,253
Percentage Net Loans Charged-off: Commercial and industrial-0.4762%8,009
Percentage Net Loans Charged-off: Loans to individuals0.0267%5,131
Percentage Net Loans Charged-off: Credit card loans0.0000%1,137
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease-0.0326%7,036
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0504%7,969
Percentage Net Loans Charged-off: Total real estate loans0.0000%2,437
Percentage Net Loans Charged-off:Construction & development0.0000%466
Percentage Net Loans Charged-off: Commercial real estate0.0000%815
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,021
Percentage Net Loans Charged-off: Home equity loans0.0000%426
All other 1-4 family - Percent of loans charged-off, net0.0000%1,880
Percentage Net Loans Charged-off: Commercial and industrial-0.4890%7,984
Percentage Net Loans Charged-off: Loans to individuals0.0416%4,585
Percentage Net Loans Charged-off: Credit card loans0.0000%1,005
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease-0.0243%6,975
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0114%6,915
Percentage Net Loans Charged-off: Total real estate loans0.0000%1,638
Percentage Net Loans Charged-off:Construction & development0.0000%268
Percentage Net Loans Charged-off: Commercial real estate0.0000%498
Percentage Net Loans Charged-off: Multi-family residential0.0000%51
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,349
Percentage Net Loans Charged-off: Home equity loans0.0000%311
All other 1-4 family - Percent of loans charged-off, net0.0000%1,244
Percentage Net Loans Charged-off: Commercial and industrial-0.1199%7,410
Percentage Net Loans Charged-off: Loans to individuals0.0114%3,834
Percentage Net Loans Charged-off: Credit card loans0.0000%826
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0120%895
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0199%5,681
Percentage Net Loans Charged-off: Total real estate loans0.0000%3,553
Percentage Net Loans Charged-off:Construction & development0.0000%694
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,340
Percentage Net Loans Charged-off: Multi-family residential0.0000%187
Percentage Net Loans Charged-off: 1-4 family residential0.0000%3,059
Percentage Net Loans Charged-off: Home equity loans0.0000%682
All other 1-4 family - Percent of loans charged-off, net0.0000%2,850
Percentage Net Loans Charged-off: Commercial and industrial0.1556%3,013
Percentage Net Loans Charged-off: Loans to individuals-0.0122%7,732
Percentage Net Loans Charged-off: Credit card loans0.0000%1,459
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.1630%1,153
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0238%7,899
Percentage Net Loans Charged-off: Total real estate loans0.0000%3,051
Percentage Net Loans Charged-off:Construction & development0.0000%541
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,046
Percentage Net Loans Charged-off: Multi-family residential0.0000%151
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,617
Percentage Net Loans Charged-off: Home equity loans0.0000%562
All other 1-4 family - Percent of loans charged-off, net0.0000%2,434
Percentage Net Loans Charged-off: Commercial and industrial-0.1765%7,678
Percentage Net Loans Charged-off: Loans to individuals-0.0260%7,531
Percentage Net Loans Charged-off: Credit card loans0.0000%1,324
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.1493%1,023
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0215%7,636
Percentage Net Loans Charged-off: Total real estate loans0.0000%2,541
Percentage Net Loans Charged-off:Construction & development0.0000%425
Percentage Net Loans Charged-off: Commercial real estate0.0000%810
Percentage Net Loans Charged-off: Multi-family residential0.0000%111
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,147
Percentage Net Loans Charged-off: Home equity loans0.0000%450
All other 1-4 family - Percent of loans charged-off, net0.0000%1,976
Percentage Net Loans Charged-off: Commercial and industrial-0.1853%7,648
Percentage Net Loans Charged-off: Loans to individuals-0.0207%7,274
Percentage Net Loans Charged-off: Credit card loans0.0000%1,186
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.2510%760
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0227%7,368
Percentage Net Loans Charged-off: Total real estate loans0.0000%1,814
Percentage Net Loans Charged-off:Construction & development0.0000%235
Percentage Net Loans Charged-off: Commercial real estate0.0000%511
Percentage Net Loans Charged-off: Multi-family residential0.0000%61
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,540
Percentage Net Loans Charged-off: Home equity loans0.0000%338
All other 1-4 family - Percent of loans charged-off, net0.0000%1,404
Percentage Net Loans Charged-off: Commercial and industrial-0.1972%7,735
Percentage Net Loans Charged-off: Loans to individuals-0.0123%7,032
Percentage Net Loans Charged-off: Credit card loans0.0000%922
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.1715%645
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0802%4,574
Percentage Net Loans Charged-off: Total real estate loans0.0000%3,891
Percentage Net Loans Charged-off:Construction & development0.0000%758
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,548
Percentage Net Loans Charged-off: Multi-family residential0.0000%197
Percentage Net Loans Charged-off: 1-4 family residential0.0000%3,241
Percentage Net Loans Charged-off: Home equity loans0.0000%657
All other 1-4 family - Percent of loans charged-off, net0.0000%3,066
Percentage Net Loans Charged-off: Commercial and industrial0.4358%2,302
Percentage Net Loans Charged-off: Loans to individuals0.0914%6,078
Percentage Net Loans Charged-off: Credit card loans0.0000%1,629
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.3467%944
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0125%7,872
Percentage Net Loans Charged-off: Total real estate loans0.0000%3,318
Percentage Net Loans Charged-off:Construction & development0.0000%604
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,213
Percentage Net Loans Charged-off: Multi-family residential0.0000%155
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,765
Percentage Net Loans Charged-off: Home equity loans0.0000%554
All other 1-4 family - Percent of loans charged-off, net0.0000%2,599
Percentage Net Loans Charged-off: Commercial and industrial-0.3087%8,033
Percentage Net Loans Charged-off: Loans to individuals0.0729%5,757
Percentage Net Loans Charged-off: Credit card loans0.0000%1,504
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.3543%817
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0188%7,807
Percentage Net Loans Charged-off: Total real estate loans0.0000%2,799
Percentage Net Loans Charged-off:Construction & development0.0000%464
Percentage Net Loans Charged-off: Commercial real estate0.0000%953
Percentage Net Loans Charged-off: Multi-family residential0.0000%116
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,286
Percentage Net Loans Charged-off: Home equity loans0.0000%431
All other 1-4 family - Percent of loans charged-off, net0.0000%2,147
Percentage Net Loans Charged-off: Commercial and industrial-0.3814%8,072
Percentage Net Loans Charged-off: Loans to individuals0.0972%5,176
Percentage Net Loans Charged-off: Credit card loans0.0000%1,362
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.2154%840
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0214%4,404
Percentage Net Loans Charged-off: Total real estate loans0.0000%1,955
Percentage Net Loans Charged-off:Construction & development0.0000%286
Percentage Net Loans Charged-off: Commercial real estate0.0000%553
Percentage Net Loans Charged-off: Multi-family residential0.0000%70
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,591
Percentage Net Loans Charged-off: Home equity loans0.0000%291
All other 1-4 family - Percent of loans charged-off, net0.0000%1,471
Percentage Net Loans Charged-off: Commercial and industrial-0.2924%7,963
Percentage Net Loans Charged-off: Loans to individuals0.2386%3,806
Percentage Net Loans Charged-off: Credit card loans0.0000%1,093
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.2023%671
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1366%4,192
Percentage Net Loans Charged-off: Total real estate loans-0.0110%8,278
Percentage Net Loans Charged-off:Construction & development0.0000%836
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,593
Percentage Net Loans Charged-off: Multi-family residential0.0000%186
Percentage Net Loans Charged-off: 1-4 family residential-0.0895%8,752
Percentage Net Loans Charged-off: Home equity loans0.0000%639
All other 1-4 family - Percent of loans charged-off, net-0.1777%8,836
Percentage Net Loans Charged-off: Commercial and industrial0.8206%1,954
Percentage Net Loans Charged-off: Loans to individuals0.1575%6,125
Percentage Net Loans Charged-off: Credit card loans-83.3333%2,819
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.4162%1,052
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1888%3,111
Percentage Net Loans Charged-off: Total real estate loans-0.0032%8,018
Percentage Net Loans Charged-off:Construction & development0.0000%663
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,273
Percentage Net Loans Charged-off: Multi-family residential0.0000%138
Percentage Net Loans Charged-off: 1-4 family residential-0.0260%8,508
Percentage Net Loans Charged-off: Home equity loans0.0000%519
All other 1-4 family - Percent of loans charged-off, net-0.0509%8,643
Percentage Net Loans Charged-off: Commercial and industrial1.1662%1,265
Percentage Net Loans Charged-off: Loans to individuals0.1917%5,457
Percentage Net Loans Charged-off: Credit card loans-90.8085%2,819
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.4057%966
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2671%2,242
Percentage Net Loans Charged-off: Total real estate loans-0.0033%8,036
Percentage Net Loans Charged-off:Construction & development0.0000%523
Percentage Net Loans Charged-off: Commercial real estate0.0000%978
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential-0.0270%8,539
Percentage Net Loans Charged-off: Home equity loans0.0000%421
All other 1-4 family - Percent of loans charged-off, net-0.0520%8,677
Percentage Net Loans Charged-off: Commercial and industrial1.8612%812
Percentage Net Loans Charged-off: Loans to individuals0.1844%5,088
Percentage Net Loans Charged-off: Credit card loans-71.4286%2,807
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.4082%830
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0615%3,955
Percentage Net Loans Charged-off: Total real estate loans-0.0032%8,128
Percentage Net Loans Charged-off:Construction & development0.0000%326
Percentage Net Loans Charged-off: Commercial real estate0.0000%618
Percentage Net Loans Charged-off: Multi-family residential0.0000%56
Percentage Net Loans Charged-off: 1-4 family residential-0.0268%8,598
Percentage Net Loans Charged-off: Home equity loans0.0000%277
All other 1-4 family - Percent of loans charged-off, net-0.0516%8,746
Percentage Net Loans Charged-off: Commercial and industrial0.0840%2,192
Percentage Net Loans Charged-off: Loans to individuals0.1860%4,331
Percentage Net Loans Charged-off: Credit card loans-27.5862%2,791
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.3629%672
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2002-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0810%5,524
Percentage Net Loans Charged-off: Total real estate loans-0.0035%8,195
Percentage Net Loans Charged-off:Construction & development0.0000%875
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,573
Percentage Net Loans Charged-off: Multi-family residential0.0000%189
Percentage Net Loans Charged-off: 1-4 family residential-0.0291%8,712
Percentage Net Loans Charged-off: Home equity loans0.0000%614
All other 1-4 family - Percent of loans charged-off, net-0.0512%8,823
Percentage Net Loans Charged-off: Commercial and industrial-0.1461%8,256
Percentage Net Loans Charged-off: Loans to individuals0.3289%5,238
Percentage Net Loans Charged-off: Credit card loans-21.2766%2,980
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.6140%933
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2001-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1307%4,568
Percentage Net Loans Charged-off: Total real estate loans-0.0040%8,405
Percentage Net Loans Charged-off:Construction & development0.0000%831
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,436
Percentage Net Loans Charged-off: Multi-family residential0.0000%192
Percentage Net Loans Charged-off: 1-4 family residential-0.0266%8,925
Percentage Net Loans Charged-off: Home equity loans0.0000%610
All other 1-4 family - Percent of loans charged-off, net-0.0387%9,004
Percentage Net Loans Charged-off: Commercial and industrial0.3084%3,234
Percentage Net Loans Charged-off: Loans to individuals0.3397%5,041
Percentage Net Loans Charged-off: Credit card loans-21.3270%5,573
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.2994%1,199
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%74
2000-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0334%9,182
Percentage Net Loans Charged-off: Total real estate loans0.0258%592
Percentage Net Loans Charged-off:Construction & development-0.0365%1,404
Percentage Net Loans Charged-off: Commercial real estate0.0000%426
Percentage Net Loans Charged-off: Multi-family residential0.7356%22
Percentage Net Loans Charged-off: 1-4 family residential0.0000%922
Percentage Net Loans Charged-off: Home equity loans0.0000%364
All other 1-4 family - Percent of loans charged-off, net0.0000%864
Percentage Net Loans Charged-off: Commercial and industrial-0.5526%1,475
Percentage Net Loans Charged-off: Loans to individuals0.0521%1,291
Percentage Net Loans Charged-off: Credit card loans-18.9504%1,351
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.1423%271
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%23
1999-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0184%9,251
Percentage Net Loans Charged-off: Total real estate loans-0.0121%1,339
Percentage Net Loans Charged-off:Construction & development0.0000%250
Percentage Net Loans Charged-off: Commercial real estate-0.0085%1,218
Percentage Net Loans Charged-off: Multi-family residential0.0000%120
Percentage Net Loans Charged-off: 1-4 family residential-0.0384%1,455
Percentage Net Loans Charged-off: Home equity loans0.0000%369
All other 1-4 family - Percent of loans charged-off, net-0.0534%1,468
Percentage Net Loans Charged-off: Commercial and industrial-0.2986%1,415
Percentage Net Loans Charged-off: Loans to individuals0.0829%1,296
Percentage Net Loans Charged-off: Credit card loans-9.0090%1,344
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%415
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1998-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2059%3,396
Percentage Net Loans Charged-off: Total real estate loans0.0095%829
Percentage Net Loans Charged-off:Construction & development0.0000%229
Percentage Net Loans Charged-off: Commercial real estate0.0138%405
Percentage Net Loans Charged-off: Multi-family residential0.0000%151
Percentage Net Loans Charged-off: 1-4 family residential0.0000%939
Percentage Net Loans Charged-off: Home equity loans0.0000%385
All other 1-4 family - Percent of loans charged-off, net0.0000%883
Percentage Net Loans Charged-off: Commercial and industrial1.1850%140
Percentage Net Loans Charged-off: Loans to individuals0.1630%1,166
Percentage Net Loans Charged-off: Credit card loans-0.3336%1,267
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.1163%296
Percentage Net Loans Charged-off:Coml. RE not secured by RE511.7371%1
1997-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1823%4,054
Percentage Net Loans Charged-off: Total real estate loans0.0093%855
Percentage Net Loans Charged-off:Construction & development0.0000%260
Percentage Net Loans Charged-off: Commercial real estate0.0000%477
Percentage Net Loans Charged-off: Multi-family residential0.0000%192
Percentage Net Loans Charged-off: 1-4 family residential0.0386%619
Percentage Net Loans Charged-off: Home equity loans0.0000%396
All other 1-4 family - Percent of loans charged-off, net0.0455%530
Percentage Net Loans Charged-off: Commercial and industrial-0.1950%1,300
Percentage Net Loans Charged-off: Loans to individuals0.5750%833
Percentage Net Loans Charged-off: Credit card loans5.7728%158
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.5816%105
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%31
1996-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2238%3,757
Percentage Net Loans Charged-off: Total real estate loans-0.0114%1,322
Percentage Net Loans Charged-off:Construction & development0.2682%139
Percentage Net Loans Charged-off: Commercial real estate0.0000%559
Percentage Net Loans Charged-off: Multi-family residential0.0000%233
Percentage Net Loans Charged-off: 1-4 family residential-0.0869%1,494
Percentage Net Loans Charged-off: Home equity loans0.0000%412
All other 1-4 family - Percent of loans charged-off, net-0.0995%1,489
Percentage Net Loans Charged-off: Commercial and industrial-0.2915%1,346
Percentage Net Loans Charged-off: Loans to individuals0.7067%718
Percentage Net Loans Charged-off: Credit card loans7.3222%79
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.2815%200
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%34
1995-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1131%5,334
Percentage Net Loans Charged-off: Total real estate loans0.0044%996
Percentage Net Loans Charged-off:Construction & development0.0000%344
Percentage Net Loans Charged-off: Commercial real estate0.0000%615
Percentage Net Loans Charged-off: Multi-family residential0.0000%281
Percentage Net Loans Charged-off: 1-4 family residential0.0135%857
Percentage Net Loans Charged-off: Home equity loans-0.1605%1,340
All other 1-4 family - Percent of loans charged-off, net0.0386%576
Percentage Net Loans Charged-off: Commercial and industrial-0.0755%1,157
Percentage Net Loans Charged-off: Loans to individuals0.3410%942
Percentage Net Loans Charged-off: Credit card loans3.3258%257
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease-0.2671%1,286
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1994-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2903%3,077
Percentage Net Loans Charged-off: Total real estate loans0.0997%570
Percentage Net Loans Charged-off:Construction & development0.0000%353
Percentage Net Loans Charged-off: Commercial real estate0.0690%545
Percentage Net Loans Charged-off: Multi-family residential0.0000%332
Percentage Net Loans Charged-off: 1-4 family residential0.1814%278
Percentage Net Loans Charged-off: Home equity loans1.6607%17
All other 1-4 family - Percent of loans charged-off, net0.0000%974
Percentage Net Loans Charged-off: Commercial and industrial0.7292%281
Percentage Net Loans Charged-off: Loans to individuals0.3831%761
Percentage Net Loans Charged-off: Credit card loans2.9826%229
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.1280%231
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1993-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.6411%2,160
Percentage Net Loans Charged-off: Total real estate loans0.8665%214
Percentage Net Loans Charged-off:Construction & development17.4492%27
Percentage Net Loans Charged-off: Commercial real estate0.0000%834
Percentage Net Loans Charged-off: Multi-family residential0.0000%368
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,114
Percentage Net Loans Charged-off: Home equity loans0.0000%462
All other 1-4 family - Percent of loans charged-off, net0.0000%1,053
Percentage Net Loans Charged-off: Commercial and industrial-0.0028%1,148
Percentage Net Loans Charged-off: Loans to individuals0.5376%706
Percentage Net Loans Charged-off: Credit card loans4.6192%122
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.4756%162
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1992-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3188%5,853
Percentage Net Loans Charged-off: Total real estate loans0.0570%1,073
Percentage Net Loans Charged-off:Construction & development0.5253%461
Percentage Net Loans Charged-off: Commercial real estate0.0000%967
Percentage Net Loans Charged-off: Multi-family residential0.0000%418
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,178
Percentage Net Loans Charged-off: Home equity loans0.0000%487
All other 1-4 family - Percent of loans charged-off, net0.0000%1,124
Percentage Net Loans Charged-off: Commercial and industrial0.4606%812
Percentage Net Loans Charged-off: Loans to individuals0.6468%828
Percentage Net Loans Charged-off: Credit card loans4.2461%239
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.8216%140
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA