Home > MidWestOne Bank > Net charge- offs to loans
MidWestOne Bank, Net charge- offs to loans
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6406% | 1,099 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5622% | 837 |
| Percentage Net Loans Charged-off:Construction & development | 0.0189% | 1,637 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5750% | 411 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.6930% | 129 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0315% | 381 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7168% | 373 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0491% | 335 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1188% | 970 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8345% | 2,009 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3416% | 884 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4881% | 1,070 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4791% | 692 |
| Percentage Net Loans Charged-off:Construction & development | 0.0563% | 1,012 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6862% | 235 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.6804% | 84 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6717% | 463 |
| Percentage Net Loans Charged-off: Home equity loans | 1.4859% | 167 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6254% | 455 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7805% | 942 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2574% | 3,149 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1833% | 816 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7563% | 665 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7976% | 334 |
| Percentage Net Loans Charged-off:Construction & development | 0.2069% | 989 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.3611% | 96 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.6817% | 144 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1552% | 1,479 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1638% | 1,372 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5129% | 828 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8222% | 2,009 |
| Percentage Net Loans Charged-off: Credit card loans | 15.7233% | 41 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0242% | 1,636 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8616% | 405 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8578% | 167 |
| Percentage Net Loans Charged-off:Construction & development | 0.0782% | 800 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.5805% | 67 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.9284% | 80 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1917% | 947 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2024% | 865 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5388% | 662 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7186% | 1,967 |
| Percentage Net Loans Charged-off: Credit card loans | 16.7799% | 35 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0326% | 1,395 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8413% | 399 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8184% | 159 |
| Percentage Net Loans Charged-off:Construction & development | 0.0999% | 520 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.5080% | 64 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.3706% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2125% | 760 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2243% | 687 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5525% | 588 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7472% | 1,752 |
| Percentage Net Loans Charged-off: Credit card loans | 18.8679% | 32 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0474% | 1,208 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8177% | 396 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8406% | 150 |
| Percentage Net Loans Charged-off:Construction & development | 0.1983% | 251 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.0590% | 59 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.9357% | 28 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3125% | 466 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3299% | 431 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3499% | 492 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9962% | 1,268 |
| Percentage Net Loans Charged-off: Credit card loans | 25.1572% | 27 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0409% | 6,966 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3684% | 1,049 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3872% | 366 |
| Percentage Net Loans Charged-off:Construction & development | 0.1622% | 399 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7391% | 226 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.4882% | 54 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2330% | 728 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3824% | 199 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2244% | 744 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5238% | 675 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1092% | 7,814 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3502% | 503 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -1.1575% | 7,528 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2797% | 1,177 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3496% | 295 |
| Percentage Net Loans Charged-off:Construction & development | 0.1754% | 278 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6183% | 202 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.6090% | 36 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2192% | 637 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5076% | 114 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2026% | 673 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6386% | 502 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1396% | 7,702 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5434% | 646 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -1.8008% | 7,591 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1680% | 1,737 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3157% | 343 |
| Percentage Net Loans Charged-off:Construction & development | 0.1067% | 265 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2618% | 330 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.4335% | 26 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3688% | 361 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7627% | 72 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3462% | 385 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7585% | 484 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0865% | 7,259 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3392% | 470 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -2.7767% | 7,590 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.2486% | 8,458 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2783% | 324 |
| Percentage Net Loans Charged-off:Construction & development | 0.0499% | 190 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2681% | 218 |
| Percentage Net Loans Charged-off: Multi-family residential | -1.2301% | 6,193 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6168% | 204 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5138% | 39 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5652% | 218 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3703% | 489 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2658% | 2,866 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 826 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -5.6910% | 7,577 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4449% | 994 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4491% | 254 |
| Percentage Net Loans Charged-off:Construction & development | -0.0796% | 7,845 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6671% | 241 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.1031% | 68 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3786% | 420 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3999% | 409 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8360% | 1,336 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9229% | 694 |
| Percentage Net Loans Charged-off: Credit card loans | 6.4267% | 184 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1982% | 7,418 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5103% | 714 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5409% | 186 |
| Percentage Net Loans Charged-off:Construction & development | -0.1695% | 7,871 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8705% | 159 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.4553% | 48 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2791% | 525 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2951% | 519 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9279% | 1,036 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8313% | 705 |
| Percentage Net Loans Charged-off: Credit card loans | 8.5586% | 96 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.2465% | 7,478 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5634% | 641 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6213% | 174 |
| Percentage Net Loans Charged-off:Construction & development | -0.2113% | 7,839 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8676% | 161 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.6625% | 47 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4617% | 305 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4885% | 304 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9682% | 936 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1711% | 537 |
| Percentage Net Loans Charged-off: Credit card loans | 12.6847% | 64 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.3182% | 7,482 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6098% | 557 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6874% | 157 |
| Percentage Net Loans Charged-off:Construction & development | 0.1070% | 163 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9542% | 114 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.3014% | 19 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8571% | 164 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9066% | 165 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7987% | 811 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5686% | 933 |
| Percentage Net Loans Charged-off: Credit card loans | 16.7164% | 54 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0211% | 7,091 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4299% | 1,321 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4352% | 379 |
| Percentage Net Loans Charged-off:Construction & development | 0.3217% | 298 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6360% | 364 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0452% | 163 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6812% | 257 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7173% | 244 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2118% | 3,047 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8682% | 856 |
| Percentage Net Loans Charged-off: Credit card loans | 3.9638% | 465 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5412% | 782 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4259% | 1,163 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4389% | 327 |
| Percentage Net Loans Charged-off:Construction & development | 0.0437% | 490 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6480% | 283 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0687% | 117 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7516% | 208 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7898% | 199 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2390% | 2,458 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3895% | 1,242 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2599% | 821 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5098% | 709 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3716% | 1,269 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2990% | 513 |
| Percentage Net Loans Charged-off:Construction & development | 0.0245% | 410 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2892% | 422 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5752% | 286 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6034% | 278 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1895% | 2,249 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1392% | 1,608 |
| Percentage Net Loans Charged-off: Credit card loans | -1.1257% | 2,562 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.7559% | 533 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2597% | 1,623 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3369% | 416 |
| Percentage Net Loans Charged-off:Construction & development | 0.1081% | 208 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5603% | 194 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4229% | 367 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4434% | 362 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1485% | 7,698 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3333% | 1,394 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,093 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3423% | 587 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4066% | 1,844 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2558% | 880 |
| Percentage Net Loans Charged-off:Construction & development | 0.4294% | 342 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3130% | 652 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.3379% | 60 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2921% | 811 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3044% | 795 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7583% | 2,065 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.2109% | 164 |
| Percentage Net Loans Charged-off: Credit card loans | 7.5758% | 177 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0134% | 7,285 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3399% | 1,917 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1443% | 1,200 |
| Percentage Net Loans Charged-off:Construction & development | 0.4802% | 262 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1195% | 832 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2064% | 914 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2148% | 889 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8646% | 1,575 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.3580% | 230 |
| Percentage Net Loans Charged-off: Credit card loans | 6.9364% | 226 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0177% | 7,315 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3947% | 1,572 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1465% | 1,098 |
| Percentage Net Loans Charged-off:Construction & development | 0.2420% | 301 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0671% | 771 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2747% | 674 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2857% | 662 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9896% | 1,322 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.3968% | 152 |
| Percentage Net Loans Charged-off: Credit card loans | 7.1289% | 232 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0274% | 7,365 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9319% | 537 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4166% | 375 |
| Percentage Net Loans Charged-off:Construction & development | 0.2544% | 207 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6657% | 216 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5838% | 305 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6006% | 297 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4651% | 767 |
| Percentage Net Loans Charged-off: Loans to individuals | 14.5973% | 42 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,250 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1138% | 7,586 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7589% | 1,017 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5943% | 353 |
| Percentage Net Loans Charged-off:Construction & development | 0.0951% | 652 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.3512% | 213 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.0161% | 74 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1913% | 1,094 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1964% | 1,080 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6837% | 2,414 |
| Percentage Net Loans Charged-off: Loans to individuals | 6.4160% | 115 |
| Percentage Net Loans Charged-off: Credit card loans | 10.3687% | 140 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0052% | 1,947 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7581% | 1,011 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0041% | 3,800 |
| Percentage Net Loans Charged-off:Construction & development | 0.8376% | 221 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1491% | 9,076 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0042% | 8,575 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0042% | 8,599 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0739% | 8,338 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3690% | 4,871 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5325% | 1,931 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.4906% | 362 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5552% | 1,161 |
| 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 |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2177% | 3,006 |
| 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 |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3605% | 2,072 |
| 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 | 0.0431% | 6,946 |
| 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 | 0.0686% | 6,492 |
| 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 | 0.0532% | 6,854 |
| 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 | 0.1662% | 4,541 |
| 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 | 0.1710% | 5,795 |
| 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 | 0.3453% | 5,575 |
| 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 |