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Monroe Bank, Net charge- offs to loans

2010-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans2.5331%741
Percentage Net Loans Charged-off: Total real estate loans2.5743%653
Percentage Net Loans Charged-off:Construction & development8.7850%696
Percentage Net Loans Charged-off: Commercial real estate0.7286%1,636
Percentage Net Loans Charged-off: Multi-family residential4.0265%330
Percentage Net Loans Charged-off: 1-4 family residential1.0627%1,322
Percentage Net Loans Charged-off: Home equity loans0.6732%1,104
All other 1-4 family - Percent of loans charged-off, net1.1819%1,201
Percentage Net Loans Charged-off: Commercial and industrial2.4284%1,388
Percentage Net Loans Charged-off: Loans to individuals1.2328%1,811
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease6.5783%257
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%165
2010-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans2.3817%731
Percentage Net Loans Charged-off: Total real estate loans2.5708%609
Percentage Net Loans Charged-off:Construction & development7.6126%744
Percentage Net Loans Charged-off: Commercial real estate0.4157%1,910
Percentage Net Loans Charged-off: Multi-family residential5.2134%243
Percentage Net Loans Charged-off: 1-4 family residential1.2943%970
Percentage Net Loans Charged-off: Home equity loans0.7366%940
All other 1-4 family - Percent of loans charged-off, net1.4655%859
Percentage Net Loans Charged-off: Commercial and industrial1.3627%1,875
Percentage Net Loans Charged-off: Loans to individuals1.1698%1,727
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease6.9317%236
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%143
2010-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans1.9179%965
Percentage Net Loans Charged-off: Total real estate loans1.9782%861
Percentage Net Loans Charged-off:Construction & development3.2202%1,326
Percentage Net Loans Charged-off: Commercial real estate0.3537%1,709
Percentage Net Loans Charged-off: Multi-family residential5.2042%209
Percentage Net Loans Charged-off: 1-4 family residential1.6339%739
Percentage Net Loans Charged-off: Home equity loans0.8082%791
All other 1-4 family - Percent of loans charged-off, net1.8861%659
Percentage Net Loans Charged-off: Commercial and industrial1.5980%1,549
Percentage Net Loans Charged-off: Loans to individuals1.1128%1,749
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease6.3114%207
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%111
2010-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans1.7696%978
Percentage Net Loans Charged-off: Total real estate loans1.5831%934
Percentage Net Loans Charged-off:Construction & development1.0407%1,472
Percentage Net Loans Charged-off: Commercial real estate0.4217%1,155
Percentage Net Loans Charged-off: Multi-family residential5.3382%160
Percentage Net Loans Charged-off: 1-4 family residential1.1046%955
Percentage Net Loans Charged-off: Home equity loans1.3462%482
All other 1-4 family - Percent of loans charged-off, net1.0313%958
Percentage Net Loans Charged-off: Commercial and industrial2.9333%809
Percentage Net Loans Charged-off: Loans to individuals1.5312%1,285
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease2.3517%370
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%72
2009-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans1.2591%1,963
Percentage Net Loans Charged-off: Total real estate loans1.2630%1,588
Percentage Net Loans Charged-off:Construction & development4.2190%1,410
Percentage Net Loans Charged-off: Commercial real estate0.5835%1,636
Percentage Net Loans Charged-off: Multi-family residential0.0000%922
Percentage Net Loans Charged-off: 1-4 family residential1.1964%1,111
Percentage Net Loans Charged-off: Home equity loans0.3410%1,418
All other 1-4 family - Percent of loans charged-off, net1.4249%923
Percentage Net Loans Charged-off: Commercial and industrial1.1028%2,724
Percentage Net Loans Charged-off: Loans to individuals1.1806%2,365
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease8.6466%287
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%184
2009-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans1.0662%1,862
Percentage Net Loans Charged-off: Total real estate loans1.0815%1,466
Percentage Net Loans Charged-off:Construction & development3.5232%1,287
Percentage Net Loans Charged-off: Commercial real estate0.2493%1,821
Percentage Net Loans Charged-off: Multi-family residential0.0000%708
Percentage Net Loans Charged-off: 1-4 family residential1.3699%811
Percentage Net Loans Charged-off: Home equity loans0.5123%1,033
All other 1-4 family - Percent of loans charged-off, net1.5926%698
Percentage Net Loans Charged-off: Commercial and industrial0.7985%2,627
Percentage Net Loans Charged-off: Loans to individuals1.2353%2,075
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease9.1723%234
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%155
2009-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.9572%1,817
Percentage Net Loans Charged-off: Total real estate loans0.9323%1,449
Percentage Net Loans Charged-off:Construction & development2.8923%1,219
Percentage Net Loans Charged-off: Commercial real estate0.0021%2,244
Percentage Net Loans Charged-off: Multi-family residential0.0000%531
Percentage Net Loans Charged-off: 1-4 family residential1.5221%651
Percentage Net Loans Charged-off: Home equity loans0.7042%728
All other 1-4 family - Percent of loans charged-off, net1.7275%580
Percentage Net Loans Charged-off: Commercial and industrial0.7945%2,238
Percentage Net Loans Charged-off: Loans to individuals1.7502%1,381
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease9.3733%204
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%118
2009-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.9089%1,451
Percentage Net Loans Charged-off: Total real estate loans0.8985%1,099
Percentage Net Loans Charged-off:Construction & development2.7065%826
Percentage Net Loans Charged-off: Commercial real estate0.0042%1,385
Percentage Net Loans Charged-off: Multi-family residential0.0000%309
Percentage Net Loans Charged-off: 1-4 family residential1.4719%525
Percentage Net Loans Charged-off: Home equity loans1.4478%355
All other 1-4 family - Percent of loans charged-off, net1.4778%522
Percentage Net Loans Charged-off: Commercial and industrial0.6637%1,708
Percentage Net Loans Charged-off: Loans to individuals2.4409%909
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease3.9895%307
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%81
2008-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.7226%1,709
Percentage Net Loans Charged-off: Total real estate loans0.7672%1,179
Percentage Net Loans Charged-off:Construction & development1.6820%1,207
Percentage Net Loans Charged-off: Commercial real estate0.4113%976
Percentage Net Loans Charged-off: Multi-family residential0.0067%543
Percentage Net Loans Charged-off: 1-4 family residential0.9295%667
Percentage Net Loans Charged-off: Home equity loans0.0041%1,394
All other 1-4 family - Percent of loans charged-off, net1.1462%512
Percentage Net Loans Charged-off: Commercial and industrial0.2466%3,403
Percentage Net Loans Charged-off: Loans to individuals1.4470%1,544
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease4.0030%361
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%112
2008-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4443%1,883
Percentage Net Loans Charged-off: Total real estate loans0.4050%1,371
Percentage Net Loans Charged-off:Construction & development0.7433%1,251
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,766
Percentage Net Loans Charged-off: Multi-family residential0.0093%372
Percentage Net Loans Charged-off: 1-4 family residential0.8725%538
Percentage Net Loans Charged-off: Home equity loans0.0056%1,105
All other 1-4 family - Percent of loans charged-off, net1.0759%399
Percentage Net Loans Charged-off: Commercial and industrial0.3222%2,453
Percentage Net Loans Charged-off: Loans to individuals1.4071%1,296
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease3.4162%323
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%90
2008-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2835%2,225
Percentage Net Loans Charged-off: Total real estate loans0.3132%1,301
Percentage Net Loans Charged-off:Construction & development0.0037%1,690
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,334
Percentage Net Loans Charged-off: Multi-family residential0.0141%243
Percentage Net Loans Charged-off: 1-4 family residential1.1800%341
Percentage Net Loans Charged-off: Home equity loans0.0000%889
All other 1-4 family - Percent of loans charged-off, net1.4570%257
Percentage Net Loans Charged-off: Commercial and industrial-0.0180%6,907
Percentage Net Loans Charged-off: Loans to individuals0.5192%2,813
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease3.5227%287
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%70
2008-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1790%2,294
Percentage Net Loans Charged-off: Total real estate loans0.2137%1,195
Percentage Net Loans Charged-off:Construction & development0.0705%991
Percentage Net Loans Charged-off: Commercial real estate0.0000%813
Percentage Net Loans Charged-off: Multi-family residential0.0286%128
Percentage Net Loans Charged-off: 1-4 family residential0.7503%423
Percentage Net Loans Charged-off: Home equity loans0.0171%554
All other 1-4 family - Percent of loans charged-off, net0.9297%318
Percentage Net Loans Charged-off: Commercial and industrial-0.0238%6,909
Percentage Net Loans Charged-off: Loans to individuals0.1996%3,354
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease2.1500%343
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%39
2007-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2689%2,037
Percentage Net Loans Charged-off: Total real estate loans0.2384%1,180
Percentage Net Loans Charged-off:Construction & development0.6208%593
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,679
Percentage Net Loans Charged-off: Multi-family residential-0.0943%6,243
Percentage Net Loans Charged-off: 1-4 family residential0.4049%668
Percentage Net Loans Charged-off: Home equity loans0.0000%938
All other 1-4 family - Percent of loans charged-off, net0.5094%515
Percentage Net Loans Charged-off: Commercial and industrial0.1590%2,923
Percentage Net Loans Charged-off: Loans to individuals0.5942%2,710
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease8.5872%162
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%73
2007-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2090%1,906
Percentage Net Loans Charged-off: Total real estate loans0.1561%1,109
Percentage Net Loans Charged-off:Construction & development0.2774%527
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,176
Percentage Net Loans Charged-off: Multi-family residential0.0000%199
Percentage Net Loans Charged-off: 1-4 family residential0.3449%577
Percentage Net Loans Charged-off: Home equity loans0.0000%720
All other 1-4 family - Percent of loans charged-off, net0.4348%445
Percentage Net Loans Charged-off: Commercial and industrial0.1789%2,308
Percentage Net Loans Charged-off: Loans to individuals0.6827%2,077
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease7.9915%144
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%52
2007-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0701%3,241
Percentage Net Loans Charged-off: Total real estate loans0.0689%1,479
Percentage Net Loans Charged-off:Construction & development0.0000%770
Percentage Net Loans Charged-off: Commercial real estate0.0000%881
Percentage Net Loans Charged-off: Multi-family residential0.0000%143
Percentage Net Loans Charged-off: 1-4 family residential0.2583%667
Percentage Net Loans Charged-off: Home equity loans0.0000%541
All other 1-4 family - Percent of loans charged-off, net0.3292%519
Percentage Net Loans Charged-off: Commercial and industrial-0.1546%7,532
Percentage Net Loans Charged-off: Loans to individuals0.3680%2,876
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease7.7614%140
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%38
2007-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1518%1,724
Percentage Net Loans Charged-off: Total real estate loans0.1372%737
Percentage Net Loans Charged-off:Construction & development0.0000%444
Percentage Net Loans Charged-off: Commercial real estate0.0000%529
Percentage Net Loans Charged-off: Multi-family residential0.0000%76
Percentage Net Loans Charged-off: 1-4 family residential0.5100%310
Percentage Net Loans Charged-off: Home equity loans0.0000%371
All other 1-4 family - Percent of loans charged-off, net0.6505%232
Percentage Net Loans Charged-off: Commercial and industrial-0.0042%6,647
Percentage Net Loans Charged-off: Loans to individuals0.7394%1,656
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease7.5419%119
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%28
2006-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1169%2,965
Percentage Net Loans Charged-off: Total real estate loans0.0629%1,756
Percentage Net Loans Charged-off:Construction & development0.1108%465
Percentage Net Loans Charged-off: Commercial real estate0.0150%1,190
Percentage Net Loans Charged-off: Multi-family residential0.1769%128
Percentage Net Loans Charged-off: 1-4 family residential0.0402%2,103
Percentage Net Loans Charged-off: Home equity loans-0.0223%6,026
All other 1-4 family - Percent of loans charged-off, net0.0571%1,785
Percentage Net Loans Charged-off: Commercial and industrial0.0864%3,037
Percentage Net Loans Charged-off: Loans to individuals0.4184%3,252
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease5.4190%186
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%39
2006-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0956%2,796
Percentage Net Loans Charged-off: Total real estate loans0.0322%1,956
Percentage Net Loans Charged-off:Construction & development0.1125%344
Percentage Net Loans Charged-off: Commercial real estate0.0201%881
Percentage Net Loans Charged-off: Multi-family residential0.0000%150
Percentage Net Loans Charged-off: 1-4 family residential0.0125%2,194
Percentage Net Loans Charged-off: Home equity loans-0.0296%6,030
All other 1-4 family - Percent of loans charged-off, net0.0237%1,873
Percentage Net Loans Charged-off: Commercial and industrial0.0687%2,589
Percentage Net Loans Charged-off: Loans to individuals0.4230%2,847
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease5.3424%168
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%29
2006-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1359%2,040
Percentage Net Loans Charged-off: Total real estate loans0.0451%1,498
Percentage Net Loans Charged-off:Construction & development0.1768%208
Percentage Net Loans Charged-off: Commercial real estate0.0303%675
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential0.0062%1,931
Percentage Net Loans Charged-off: Home equity loans-0.0435%6,016
All other 1-4 family - Percent of loans charged-off, net0.0197%1,603
Percentage Net Loans Charged-off: Commercial and industrial0.2148%1,681
Percentage Net Loans Charged-off: Loans to individuals0.2984%3,175
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease6.9661%130
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%21
2006-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1569%1,560
Percentage Net Loans Charged-off: Total real estate loans0.0763%850
Percentage Net Loans Charged-off:Construction & development0.3754%91
Percentage Net Loans Charged-off: Commercial real estate0.0000%498
Percentage Net Loans Charged-off: Multi-family residential0.0000%51
Percentage Net Loans Charged-off: 1-4 family residential0.0373%1,040
Percentage Net Loans Charged-off: Home equity loans0.1444%185
All other 1-4 family - Percent of loans charged-off, net0.0079%1,191
Percentage Net Loans Charged-off: Commercial and industrial0.3099%1,041
Percentage Net Loans Charged-off: Loans to individuals0.1427%3,347
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease5.9701%141
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%12
2005-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1493%2,883
Percentage Net Loans Charged-off: Total real estate loans0.0376%2,212
Percentage Net Loans Charged-off:Construction & development0.2346%272
Percentage Net Loans Charged-off: Commercial real estate-0.0299%8,149
Percentage Net Loans Charged-off: Multi-family residential0.0000%187
Percentage Net Loans Charged-off: 1-4 family residential0.0309%2,346
Percentage Net Loans Charged-off: Home equity loans0.1062%412
All other 1-4 family - Percent of loans charged-off, net0.0117%2,579
Percentage Net Loans Charged-off: Commercial and industrial0.3469%2,283
Percentage Net Loans Charged-off: Loans to individuals0.3449%4,314
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease14.9832%82
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%28
2005-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1535%2,410
Percentage Net Loans Charged-off: Total real estate loans0.0439%1,795
Percentage Net Loans Charged-off:Construction & development0.3175%191
Percentage Net Loans Charged-off: Commercial real estate-0.0406%8,193
Percentage Net Loans Charged-off: Multi-family residential0.0000%151
Percentage Net Loans Charged-off: 1-4 family residential0.0206%2,184
Percentage Net Loans Charged-off: Home equity loans0.0358%469
All other 1-4 family - Percent of loans charged-off, net0.0167%2,122
Percentage Net Loans Charged-off: Commercial and industrial0.3295%1,922
Percentage Net Loans Charged-off: Loans to individuals0.3732%3,688
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease15.3968%72
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%21
2005-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1003%2,876
Percentage Net Loans Charged-off: Total real estate loans-0.0047%7,639
Percentage Net Loans Charged-off:Construction & development0.0440%325
Percentage Net Loans Charged-off: Commercial real estate-0.0622%8,277
Percentage Net Loans Charged-off: Multi-family residential0.0000%111
Percentage Net Loans Charged-off: 1-4 family residential0.0309%1,702
Percentage Net Loans Charged-off: Home equity loans0.0552%347
All other 1-4 family - Percent of loans charged-off, net0.0249%1,665
Percentage Net Loans Charged-off: Commercial and industrial0.3525%1,632
Percentage Net Loans Charged-off: Loans to individuals0.1382%4,537
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease11.9864%78
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%20
2005-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0613%3,027
Percentage Net Loans Charged-off: Total real estate loans-0.0583%8,401
Percentage Net Loans Charged-off:Construction & development-0.1014%7,810
Percentage Net Loans Charged-off: Commercial real estate-0.1214%8,443
Percentage Net Loans Charged-off: Multi-family residential0.0000%61
Percentage Net Loans Charged-off: 1-4 family residential0.0031%1,513
Percentage Net Loans Charged-off: Home equity loans0.0000%338
All other 1-4 family - Percent of loans charged-off, net0.0038%1,374
Percentage Net Loans Charged-off: Commercial and industrial0.4568%1,070
Percentage Net Loans Charged-off: Loans to individuals0.3097%3,169
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease4.7267%128
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%13
2004-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2542%2,247
Percentage Net Loans Charged-off: Total real estate loans0.1984%943
Percentage Net Loans Charged-off:Construction & development0.6434%190
Percentage Net Loans Charged-off: Commercial real estate0.1326%926
Percentage Net Loans Charged-off: Multi-family residential0.0000%197
Percentage Net Loans Charged-off: 1-4 family residential0.1132%1,471
Percentage Net Loans Charged-off: Home equity loans0.0000%657
All other 1-4 family - Percent of loans charged-off, net0.1383%1,276
Percentage Net Loans Charged-off: Commercial and industrial0.4424%2,280
Percentage Net Loans Charged-off: Loans to individuals0.4566%4,034
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,643
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%27
2004-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3539%1,406
Percentage Net Loans Charged-off: Total real estate loans0.2680%596
Percentage Net Loans Charged-off:Construction & development1.2289%107
Percentage Net Loans Charged-off: Commercial real estate0.0263%1,042
Percentage Net Loans Charged-off: Multi-family residential0.0000%155
Percentage Net Loans Charged-off: 1-4 family residential0.1510%1,027
Percentage Net Loans Charged-off: Home equity loans0.0000%554
All other 1-4 family - Percent of loans charged-off, net0.1838%893
Percentage Net Loans Charged-off: Commercial and industrial0.6698%1,481
Percentage Net Loans Charged-off: Loans to individuals0.5081%3,380
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,414
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%21
2004-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1914%2,327
Percentage Net Loans Charged-off: Total real estate loans0.1508%970
Percentage Net Loans Charged-off:Construction & development0.4977%173
Percentage Net Loans Charged-off: Commercial real estate0.0396%793
Percentage Net Loans Charged-off: Multi-family residential0.0000%116
Percentage Net Loans Charged-off: 1-4 family residential0.1003%1,210
Percentage Net Loans Charged-off: Home equity loans0.0000%431
All other 1-4 family - Percent of loans charged-off, net0.1217%1,067
Percentage Net Loans Charged-off: Commercial and industrial0.3182%1,917
Percentage Net Loans Charged-off: Loans to individuals0.3487%3,852
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,207
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%19
2004-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2976%1,444
Percentage Net Loans Charged-off: Total real estate loans0.2500%526
Percentage Net Loans Charged-off:Construction & development0.9586%104
Percentage Net Loans Charged-off: Commercial real estate0.0656%441
Percentage Net Loans Charged-off: Multi-family residential0.0000%70
Percentage Net Loans Charged-off: 1-4 family residential0.2414%585
Percentage Net Loans Charged-off: Home equity loans0.0000%291
All other 1-4 family - Percent of loans charged-off, net0.2918%495
Percentage Net Loans Charged-off: Commercial and industrial0.4794%1,213
Percentage Net Loans Charged-off: Loans to individuals0.3401%3,425
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%887
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%12
2003-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.8575%746
Percentage Net Loans Charged-off: Total real estate loans0.7663%223
Percentage Net Loans Charged-off:Construction & development3.5650%81
Percentage Net Loans Charged-off: Commercial real estate1.0344%271
Percentage Net Loans Charged-off: Multi-family residential0.0267%159
Percentage Net Loans Charged-off: 1-4 family residential0.0827%1,919
Percentage Net Loans Charged-off: Home equity loans0.1374%364
All other 1-4 family - Percent of loans charged-off, net0.0731%1,998
Percentage Net Loans Charged-off: Commercial and industrial1.2630%1,421
Percentage Net Loans Charged-off: Loans to individuals0.4844%4,331
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease3.4115%288
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%56
2003-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.6166%999
Percentage Net Loans Charged-off: Total real estate loans0.6330%258
Percentage Net Loans Charged-off:Construction & development1.3237%141
Percentage Net Loans Charged-off: Commercial real estate1.4699%151
Percentage Net Loans Charged-off: Multi-family residential0.0354%114
Percentage Net Loans Charged-off: 1-4 family residential0.0821%1,611
Percentage Net Loans Charged-off: Home equity loans0.0000%519
All other 1-4 family - Percent of loans charged-off, net0.0963%1,480
Percentage Net Loans Charged-off: Commercial and industrial0.4595%2,313
Percentage Net Loans Charged-off: Loans to individuals0.6451%3,221
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease4.3586%216
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%45
2003-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.9109%603
Percentage Net Loans Charged-off: Total real estate loans0.9462%143
Percentage Net Loans Charged-off:Construction & development2.0918%86
Percentage Net Loans Charged-off: Commercial real estate2.2593%103
Percentage Net Loans Charged-off: Multi-family residential0.0043%95
Percentage Net Loans Charged-off: 1-4 family residential0.1165%1,184
Percentage Net Loans Charged-off: Home equity loans0.0000%421
All other 1-4 family - Percent of loans charged-off, net0.1360%1,085
Percentage Net Loans Charged-off: Commercial and industrial0.6502%1,720
Percentage Net Loans Charged-off: Loans to individuals0.8960%2,308
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease6.4602%145
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%37
2003-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3016%1,762
Percentage Net Loans Charged-off: Total real estate loans0.1135%1,002
Percentage Net Loans Charged-off:Construction & development0.2377%208
Percentage Net Loans Charged-off: Commercial real estate0.0971%454
Percentage Net Loans Charged-off: Multi-family residential0.0087%52
Percentage Net Loans Charged-off: 1-4 family residential0.1337%885
Percentage Net Loans Charged-off: Home equity loans0.0000%277
All other 1-4 family - Percent of loans charged-off, net0.1555%808
Percentage Net Loans Charged-off: Commercial and industrial0.6509%1,293
Percentage Net Loans Charged-off: Loans to individuals1.0509%1,884
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease7.3352%137
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%23
2002-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3552%2,354
Percentage Net Loans Charged-off: Total real estate loans0.1836%1,169
Percentage Net Loans Charged-off:Construction & development-0.0034%8,016
Percentage Net Loans Charged-off: Commercial real estate-0.0013%8,483
Percentage Net Loans Charged-off: Multi-family residential0.0000%189
Percentage Net Loans Charged-off: 1-4 family residential0.3921%571
Percentage Net Loans Charged-off: Home equity loans0.3767%197
All other 1-4 family - Percent of loans charged-off, net0.3941%579
Percentage Net Loans Charged-off: Commercial and industrial0.9665%1,945
Percentage Net Loans Charged-off: Loans to individuals0.5237%4,195
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,956
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%51
2001-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2202%3,389
Percentage Net Loans Charged-off: Total real estate loans0.0778%1,943
Percentage Net Loans Charged-off:Construction & development0.5641%294
Percentage Net Loans Charged-off: Commercial real estate0.0524%1,118
Percentage Net Loans Charged-off: Multi-family residential0.0000%192
Percentage Net Loans Charged-off: 1-4 family residential0.0009%3,287
Percentage Net Loans Charged-off: Home equity loans0.0000%610
All other 1-4 family - Percent of loans charged-off, net0.0010%3,100
Percentage Net Loans Charged-off: Commercial and industrial0.4912%2,706
Percentage Net Loans Charged-off: Loans to individuals0.8164%2,826
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,876
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%74
2000-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0663%5,374
Percentage Net Loans Charged-off: Total real estate loans0.0213%625
Percentage Net Loans Charged-off:Construction & development0.0000%266
Percentage Net Loans Charged-off: Commercial real estate0.0000%426
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential0.0445%471
Percentage Net Loans Charged-off: Home equity loans0.0000%364
All other 1-4 family - Percent of loans charged-off, net0.0493%407
Percentage Net Loans Charged-off: Commercial and industrial0.0669%908
Percentage Net Loans Charged-off: Loans to individuals0.3968%878
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%385
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%23
1999-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3147%2,215
Percentage Net Loans Charged-off: Total real estate loans0.0757%339
Percentage Net Loans Charged-off:Construction & development0.0000%250
Percentage Net Loans Charged-off: Commercial real estate0.0000%415
Percentage Net Loans Charged-off: Multi-family residential0.0000%120
Percentage Net Loans Charged-off: 1-4 family residential0.1558%197
Percentage Net Loans Charged-off: Home equity loans0.0000%369
All other 1-4 family - Percent of loans charged-off, net0.1704%174
Percentage Net Loans Charged-off: Commercial and industrial0.9375%230
Percentage Net Loans Charged-off: Loans to individuals0.6696%661
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%415
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%23
1998-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1083%4,946
Percentage Net Loans Charged-off: Total real estate loans0.0864%330
Percentage Net Loans Charged-off:Construction & development0.0000%229
Percentage Net Loans Charged-off: Commercial real estate-0.0345%1,234
Percentage Net Loans Charged-off: Multi-family residential0.4953%43
Percentage Net Loans Charged-off: 1-4 family residential0.0058%845
Percentage Net Loans Charged-off: Home equity loans0.0000%385
All other 1-4 family - Percent of loans charged-off, net0.0063%787
Percentage Net Loans Charged-off: Commercial and industrial0.0128%932
Percentage Net Loans Charged-off: Loans to individuals0.4673%871
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%409
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%24
1997-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1398%4,724
Percentage Net Loans Charged-off: Total real estate loans0.0211%737
Percentage Net Loans Charged-off:Construction & development-0.0465%1,271
Percentage Net Loans Charged-off: Commercial real estate-0.0166%1,180
Percentage Net Loans Charged-off: Multi-family residential0.0000%192
Percentage Net Loans Charged-off: 1-4 family residential0.0536%514
Percentage Net Loans Charged-off: Home equity loans0.0000%396
All other 1-4 family - Percent of loans charged-off, net0.0582%451
Percentage Net Loans Charged-off: Commercial and industrial0.3696%431
Percentage Net Loans Charged-off: Loans to individuals0.5549%854
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%386
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%31
1996-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1022%5,720
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1995-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1875%4,061
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1994-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1869%4,203
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1993-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2718%4,509
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1992-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2630%6,448
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA