Home > Mid-Wisconsin Bank > Net charge- offs to loans
Mid-Wisconsin Bank, Net charge- offs to loans
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2696% | 445 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5060% | 308 |
| Percentage Net Loans Charged-off:Construction & development | 3.2907% | 299 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.9901% | 252 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0452% | 5,322 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0896% | 490 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 767 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2448% | 422 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0296% | 5,106 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,801 |
| Percentage Net Loans Charged-off: Credit card loans | 1.1679% | 437 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.3069% | 6,088 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0257% | 917 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 43 |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.4790% | 611 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6643% | 466 |
| Percentage Net Loans Charged-off:Construction & development | 1.0757% | 1,450 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.4091% | 288 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5097% | 565 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.5549% | 514 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3626% | 1,190 |
| All other 1-4 family - Percent of loans charged-off, net | 1.7305% | 458 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8207% | 1,617 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5554% | 2,216 |
| Percentage Net Loans Charged-off: Credit card loans | 3.2169% | 277 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0818% | 3,897 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.2443% | 6,244 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 125 |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2347% | 781 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3547% | 639 |
| Percentage Net Loans Charged-off:Construction & development | 1.1619% | 1,314 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.6658% | 478 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.6750% | 459 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.5961% | 484 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3635% | 1,059 |
| All other 1-4 family - Percent of loans charged-off, net | 1.7779% | 433 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1143% | 1,222 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2652% | 2,918 |
| Percentage Net Loans Charged-off: Credit card loans | 2.0715% | 415 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0345% | 5,855 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.3266% | 6,320 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 111 |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1119% | 979 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2418% | 766 |
| Percentage Net Loans Charged-off:Construction & development | 1.0100% | 1,271 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.4755% | 556 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.9779% | 345 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.5088% | 562 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4833% | 860 |
| All other 1-4 family - Percent of loans charged-off, net | 1.6605% | 491 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8897% | 1,328 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4348% | 2,210 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2222% | 377 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1512% | 2,992 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.5797% | 6,378 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 96 |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6071% | 1,578 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6137% | 1,386 |
| Percentage Net Loans Charged-off:Construction & development | 0.3437% | 1,201 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7044% | 823 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.8458% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6859% | 1,199 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7274% | 590 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6798% | 1,145 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4713% | 794 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7754% | 1,376 |
| Percentage Net Loans Charged-off: Credit card loans | 5.2416% | 146 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0992% | 2,632 |
| Percentage Net Loans Charged-off: All other loans and lease | -1.2228% | 6,424 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 67 |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2992% | 1,269 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4340% | 1,084 |
| Percentage Net Loans Charged-off:Construction & development | 3.9825% | 1,174 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.4423% | 850 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4920% | 755 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0760% | 1,162 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0361% | 1,876 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2225% | 1,019 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3195% | 3,130 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5767% | 2,567 |
| Percentage Net Loans Charged-off: Credit card loans | 3.8869% | 284 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1770% | 3,858 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.9324% | 589 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 114 |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.5788% | 895 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.7558% | 746 |
| Percentage Net Loans Charged-off:Construction & development | 5.1713% | 846 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.7532% | 597 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.7106% | 571 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1983% | 970 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0120% | 5,227 |
| All other 1-4 family - Percent of loans charged-off, net | 1.3668% | 842 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1195% | 3,297 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8250% | 1,815 |
| Percentage Net Loans Charged-off: Credit card loans | 5.2633% | 200 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3020% | 2,967 |
| Percentage Net Loans Charged-off: All other loans and lease | 1.4442% | 443 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 102 |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.8696% | 730 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.1045% | 581 |
| Percentage Net Loans Charged-off:Construction & development | 7.5637% | 573 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.9689% | 543 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0615% | 5,694 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2587% | 948 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0181% | 5,240 |
| All other 1-4 family - Percent of loans charged-off, net | 1.4337% | 809 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1449% | 2,842 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,113 |
| Percentage Net Loans Charged-off: Credit card loans | 2.9340% | 363 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2857% | 6,860 |
| Percentage Net Loans Charged-off: All other loans and lease | 1.6140% | 367 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 93 |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9539% | 1,401 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0052% | 1,202 |
| Percentage Net Loans Charged-off:Construction & development | 2.9636% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1019% | 739 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1417% | 5,741 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5977% | 1,391 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0355% | 5,274 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6828% | 1,208 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0511% | 6,096 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2048% | 6,506 |
| Percentage Net Loans Charged-off: Credit card loans | 2.9224% | 360 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.4580% | 6,967 |
| Percentage Net Loans Charged-off: All other loans and lease | 3.0006% | 240 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 61 |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9144% | 2,357 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8903% | 2,088 |
| Percentage Net Loans Charged-off:Construction & development | 1.1824% | 2,410 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8918% | 1,411 |
| Percentage Net Loans Charged-off: Multi-family residential | -1.3352% | 5,952 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1205% | 1,278 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1089% | 1,772 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2453% | 1,132 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0745% | 2,458 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5378% | 1,454 |
| Percentage Net Loans Charged-off: Credit card loans | 5.6003% | 270 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.7504% | 921 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 165 |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9125% | 2,172 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8617% | 1,958 |
| Percentage Net Loans Charged-off:Construction & development | 0.3904% | 2,660 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.0314% | 1,109 |
| Percentage Net Loans Charged-off: Multi-family residential | -1.9053% | 5,991 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1286% | 1,104 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0366% | 1,662 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2619% | 995 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2687% | 1,966 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5947% | 1,313 |
| Percentage Net Loans Charged-off: Credit card loans | 7.3824% | 181 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.9265% | 765 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 143 |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0934% | 1,725 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0349% | 1,551 |
| Percentage Net Loans Charged-off:Construction & development | 0.4721% | 2,271 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2704% | 828 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1970% | 1,005 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2762% | 1,142 |
| All other 1-4 family - Percent of loans charged-off, net | 1.3087% | 915 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8231% | 1,430 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4364% | 1,372 |
| Percentage Net Loans Charged-off: Credit card loans | 9.7278% | 123 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4173% | 914 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 111 |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5396% | 2,449 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5629% | 1,928 |
| Percentage Net Loans Charged-off:Construction & development | -0.1384% | 7,018 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2953% | 1,300 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1881% | 900 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4090% | 766 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2806% | 832 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1867% | 7,007 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3869% | 1,405 |
| Percentage Net Loans Charged-off: Credit card loans | 13.7931% | 90 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.4036% | 471 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 72 |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.3971% | 1,797 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4548% | 1,405 |
| Percentage Net Loans Charged-off:Construction & development | 3.4536% | 1,603 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.4210% | 830 |
| Percentage Net Loans Charged-off: Multi-family residential | 3.7479% | 304 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9306% | 1,361 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0602% | 1,831 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0077% | 1,235 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1744% | 2,653 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1907% | 2,348 |
| Percentage Net Loans Charged-off: Credit card loans | 2.4382% | 725 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3853% | 1,367 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 184 |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6482% | 2,738 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6792% | 2,028 |
| Percentage Net Loans Charged-off:Construction & development | 2.9158% | 1,437 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0073% | 7,609 |
| Percentage Net Loans Charged-off: Multi-family residential | 3.0385% | 246 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5197% | 1,733 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0867% | 1,507 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5552% | 1,598 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3027% | 3,593 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2410% | 2,068 |
| Percentage Net Loans Charged-off: Credit card loans | 3.5134% | 534 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1655% | 1,448 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 155 |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2415% | 3,985 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2311% | 2,989 |
| Percentage Net Loans Charged-off:Construction & development | 0.1389% | 2,467 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0798% | 1,901 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.0369% | 235 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3888% | 1,848 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1575% | 1,132 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4075% | 1,678 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1430% | 3,422 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0928% | 2,146 |
| Percentage Net Loans Charged-off: Credit card loans | 3.8732% | 473 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1529% | 1,284 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 118 |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1534% | 3,728 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1508% | 2,609 |
| Percentage Net Loans Charged-off:Construction & development | 0.2778% | 1,619 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0875% | 1,139 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2275% | 1,772 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2465% | 1,604 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0145% | 2,774 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5162% | 2,919 |
| Percentage Net Loans Charged-off: Credit card loans | 2.7754% | 530 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2999% | 868 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 81 |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7822% | 1,591 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8215% | 1,116 |
| Percentage Net Loans Charged-off:Construction & development | 0.3940% | 2,121 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1988% | 432 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.2689% | 256 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8136% | 774 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5642% | 653 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8315% | 724 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2972% | 3,239 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2383% | 1,813 |
| Percentage Net Loans Charged-off: Credit card loans | 4.2777% | 347 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5574% | 993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 112 |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4601% | 1,832 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4659% | 1,236 |
| Percentage Net Loans Charged-off:Construction & development | 0.3810% | 1,558 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6282% | 478 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4987% | 910 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7748% | 415 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4796% | 883 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1663% | 2,974 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1655% | 1,599 |
| Percentage Net Loans Charged-off: Credit card loans | 5.6237% | 200 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4732% | 906 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 90 |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4515% | 1,515 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4741% | 962 |
| Percentage Net Loans Charged-off:Construction & development | 0.0042% | 1,687 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7515% | 340 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5647% | 689 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2213% | 262 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5211% | 704 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0471% | 7,135 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1512% | 1,485 |
| Percentage Net Loans Charged-off: Credit card loans | 7.7461% | 121 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5450% | 762 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 70 |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2654% | 1,800 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0994% | 1,694 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,119 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0069% | 7,867 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2923% | 862 |
| Percentage Net Loans Charged-off: Home equity loans | 1.6109% | 156 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2074% | 949 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5770% | 582 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7713% | 1,886 |
| Percentage Net Loans Charged-off: Credit card loans | 10.9413% | 79 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.1274% | 458 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.4511% | 299 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2326% | 180 |
| Percentage Net Loans Charged-off:Construction & development | 0.0175% | 1,484 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.8977% | 84 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3174% | 843 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5099% | 121 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2468% | 1,039 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.7680% | 326 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3969% | 3,539 |
| Percentage Net Loans Charged-off: Credit card loans | -0.1766% | 1,879 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3085% | 1,057 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 73 |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.8911% | 161 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6195% | 79 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,085 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.8248% | 51 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3577% | 552 |
| Percentage Net Loans Charged-off: Home equity loans | 2.0734% | 70 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2582% | 722 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.6106% | 205 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4232% | 2,978 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,103 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4336% | 806 |
| 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 | 2.7316% | 90 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.3253% | 39 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 770 |
| Percentage Net Loans Charged-off: Commercial real estate | 5.7936% | 22 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1483% | 959 |
| Percentage Net Loans Charged-off: Home equity loans | 1.8206% | 70 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0523% | 1,405 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.5693% | 136 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4582% | 2,540 |
| Percentage Net Loans Charged-off: Credit card loans | 0.3717% | 919 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5597% | 670 |
| 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 | 5.3092% | 33 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.6236% | 17 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 444 |
| Percentage Net Loans Charged-off: Commercial real estate | 11.6501% | 9 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0405% | 1,180 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0428% | 1,064 |
| Percentage Net Loans Charged-off: Commercial and industrial | 12.1639% | 67 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1713% | 3,197 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 790 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.6303% | 502 |
| 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 | -0.0070% | 7,689 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0076% | 3,123 |
| Percentage Net Loans Charged-off:Construction & development | 0.0599% | 581 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0089% | 1,235 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0011% | 7,682 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0012% | 7,682 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1291% | 7,613 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0558% | 5,399 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,256 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1037% | 1,243 |
| 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 | -0.0197% | 7,740 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0077% | 2,615 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0189% | 895 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0015% | 7,648 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0016% | 7,658 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1867% | 7,697 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0449% | 5,011 |
| Percentage Net Loans Charged-off: Credit card loans | 0.4520% | 1,019 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0262% | 7,005 |
| 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 | 0.0389% | 3,710 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0394% | 1,569 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0908% | 513 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,021 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,880 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0474% | 2,324 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0456% | 4,562 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,005 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0201% | 6,960 |
| 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 | 0.0600% | 2,648 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0802% | 827 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1846% | 258 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,349 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,244 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,732 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1395% | 7,194 |
| Percentage Net Loans Charged-off: Credit card loans | -1.9656% | 1,946 |
| 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 | 0.0449% | 4,901 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0496% | 1,957 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0291% | 1,098 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1003% | 1,423 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1082% | 1,341 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0390% | 7,328 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4347% | 3,869 |
| Percentage Net Loans Charged-off: Credit card loans | 2.7109% | 632 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0463% | 7,140 |
| 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 | 0.0289% | 4,871 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0368% | 1,957 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0392% | 827 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0533% | 1,700 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0574% | 1,562 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0535% | 7,271 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3604% | 3,757 |
| Percentage Net Loans Charged-off: Credit card loans | 2.5163% | 600 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0957% | 7,308 |
| 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 | 0.0311% | 4,405 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0242% | 1,915 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 810 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0645% | 1,364 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0693% | 1,267 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0105% | 6,785 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4511% | 3,049 |
| Percentage Net Loans Charged-off: Credit card loans | 3.4602% | 433 |
| 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 | 0.0574% | 3,094 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0420% | 1,219 |
| 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 | 0.1104% | 854 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1183% | 796 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0110% | 6,809 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6166% | 2,233 |
| Percentage Net Loans Charged-off: Credit card loans | 3.4043% | 401 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1673% | 648 |
| 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 | 0.0458% | 5,391 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0031% | 3,744 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0270% | 1,328 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0201% | 2,747 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0214% | 2,569 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2094% | 3,059 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3440% | 4,599 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3803% | 1,186 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1733% | 1,162 |
| 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 | 0.0455% | 4,830 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0072% | 3,039 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0073% | 8,240 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0270% | 2,192 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0288% | 2,046 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2844% | 2,309 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2482% | 4,695 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,504 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0106% | 7,054 |
| 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 | -0.0059% | 7,430 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0045% | 7,874 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0110% | 8,354 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,286 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0330% | 7,135 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0873% | 5,243 |
| Percentage Net Loans Charged-off: Credit card loans | 0.3497% | 1,316 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0307% | 7,178 |
| 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 | -0.0074% | 7,120 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0092% | 8,095 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0225% | 8,492 |
| 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 | -0.0676% | 7,377 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2200% | 3,881 |
| Percentage Net Loans Charged-off: Credit card loans | 2.0833% | 747 |
| 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 | 0.1621% | 3,854 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1215% | 1,627 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1283% | 995 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0013% | 3,434 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0013% | 3,251 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2993% | 3,249 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8065% | 2,969 |
| Percentage Net Loans Charged-off: Credit card loans | 5.7543% | 320 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0135% | 1,808 |
| 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 | 0.1675% | 3,333 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1639% | 1,090 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1743% | 718 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0017% | 2,885 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0018% | 2,741 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1157% | 3,477 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6585% | 3,174 |
| Percentage Net Loans Charged-off: Credit card loans | 5.0750% | 412 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0180% | 1,568 |
| 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 | 0.1752% | 3,013 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1965% | 874 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1348% | 645 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,402 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,287 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0234% | 3,436 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5228% | 3,482 |
| Percentage Net Loans Charged-off: Credit card loans | 5.6773% | 364 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0133% | 1,387 |
| 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 | 0.0702% | 3,803 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0202% | 1,736 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 618 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,648 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,550 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0472% | 2,302 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1139% | 1,782 |
| Percentage Net Loans Charged-off: Credit card loans | 10.8027% | 164 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1105% | 843 |
| 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 | 0.2133% | 3,524 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0698% | 2,205 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0810% | 1,133 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0139% | 3,023 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0144% | 2,877 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8315% | 2,149 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6657% | 3,531 |
| Percentage Net Loans Charged-off: Credit card loans | 3.9566% | 704 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2939% | 1,257 |
| 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 | 0.1602% | 4,147 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,994 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0106% | 8,779 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0170% | 2,773 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0176% | 2,620 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7948% | 2,101 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5847% | 3,752 |
| Percentage Net Loans Charged-off: Credit card loans | 2.7953% | 953 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2813% | 1,223 |
| 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 | 0.0414% | 6,028 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0134% | 1,388 |
| 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 | -0.0338% | 1,473 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0347% | 1,470 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1257% | 799 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6777% | 619 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9525% | 504 |
| 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 | 0.0264% | 6,824 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0130% | 1,346 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 415 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0307% | 1,444 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0314% | 1,446 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0222% | 936 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6100% | 710 |
| Percentage Net Loans Charged-off: Credit card loans | 3.0451% | 334 |
| 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 | 0.1323% | 4,495 |
| 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 |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1009% | 5,481 |
| 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 |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1191% | 5,360 |
| 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 |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0733% | 6,308 |
| 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 |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1335% | 5,054 |
| 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 | -0.0193% | 11,304 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1018% | 8,849 |
| 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 |