Home > New South Federal Savings Bank > Net charge- offs to loans
New South Federal Savings Bank, Net charge- offs to loans
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 8.4984% | 72 |
| Percentage Net Loans Charged-off: Total real estate loans | 9.1756% | 58 |
| Percentage Net Loans Charged-off:Construction & development | 42.2169% | 41 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.7246% | 496 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.5370% | 409 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,611 |
| All other 1-4 family - Percent of loans charged-off, net | 2.5575% | 403 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.0694% | 7,667 |
| Percentage Net Loans Charged-off: Loans to individuals | 6.3192% | 267 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,898 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 8.3715% | 90 |
| Percentage Net Loans Charged-off: Total real estate loans | 9.1088% | 68 |
| Percentage Net Loans Charged-off:Construction & development | 40.4953% | 51 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.4673% | 289 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.1821% | 451 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,287 |
| All other 1-4 family - Percent of loans charged-off, net | 2.1995% | 462 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8856% | 1,368 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.5057% | 332 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,633 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 4.2185% | 284 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.2392% | 226 |
| Percentage Net Loans Charged-off:Construction & development | 14.3132% | 217 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,395 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.0606% | 385 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 2.0768% | 381 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2611% | 2,162 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.4510% | 320 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,234 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.6196% | 356 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.3376% | 330 |
| Percentage Net Loans Charged-off:Construction & development | 7.2361% | 317 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,362 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9550% | 640 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9611% | 612 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.4425% | 443 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.3744% | 475 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,901 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.2868% | 289 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.0483% | 266 |
| Percentage Net Loans Charged-off:Construction & development | 6.1441% | 257 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,766 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8381% | 559 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8431% | 512 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.8784% | 367 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.8618% | 508 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,634 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.7869% | 339 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4056% | 338 |
| Percentage Net Loans Charged-off:Construction & development | 3.9207% | 303 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,334 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6517% | 601 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6553% | 568 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.1049% | 298 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.7259% | 532 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,409 |
| 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 | 1.2484% | 418 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0310% | 329 |
| Percentage Net Loans Charged-off:Construction & development | 2.4167% | 264 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 813 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6468% | 481 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6503% | 444 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1146% | 1,816 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.8000% | 505 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| 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 | 0.4732% | 1,176 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2399% | 1,173 |
| Percentage Net Loans Charged-off:Construction & development | 0.2660% | 897 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,679 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2892% | 948 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2911% | 904 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4602% | 1,974 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4693% | 1,005 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,751 |
| 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 | 0.3931% | 1,006 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1470% | 1,150 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,085 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,176 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2706% | 729 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2724% | 697 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5387% | 1,418 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3742% | 951 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,521 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4226% | 858 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1852% | 798 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 770 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 881 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3475% | 515 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3498% | 490 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8893% | 863 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2518% | 990 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,336 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3809% | 814 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1800% | 611 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 444 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 529 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3480% | 422 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3505% | 417 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2980% | 1,130 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2370% | 1,020 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 964 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5731% | 611 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0684% | 1,688 |
| Percentage Net Loans Charged-off:Construction & development | -0.0003% | 7,644 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1373% | 1,138 |
| Percentage Net Loans Charged-off: Home equity loans | -0.2507% | 6,114 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1408% | 1,085 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9606% | 510 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1561% | 479 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8586% | 956 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,606 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5340% | 565 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0418% | 1,756 |
| Percentage Net Loans Charged-off:Construction & development | -0.0004% | 7,655 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0846% | 1,297 |
| Percentage Net Loans Charged-off: Home equity loans | -0.3308% | 6,112 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0885% | 1,215 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5309% | 321 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8833% | 534 |
| Percentage Net Loans Charged-off: Credit card loans | 0.9159% | 849 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,412 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5283% | 569 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0376% | 1,599 |
| Percentage Net Loans Charged-off:Construction & development | -0.0006% | 7,644 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0767% | 1,186 |
| Percentage Net Loans Charged-off: Home equity loans | -0.5191% | 6,091 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0822% | 1,087 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.8990% | 295 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7604% | 609 |
| Percentage Net Loans Charged-off: Credit card loans | -0.2304% | 1,868 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,212 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7504% | 373 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1119% | 680 |
| Percentage Net Loans Charged-off:Construction & development | -0.0012% | 7,639 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 498 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2327% | 466 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0921% | 6,009 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2356% | 445 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.6008% | 129 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8450% | 668 |
| Percentage Net Loans Charged-off: Credit card loans | -0.4598% | 1,860 |
| 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 | NA | NA |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4802% | 905 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2123% | 647 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,340 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.2227% | 6,378 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4982% | 296 |
| Percentage Net Loans Charged-off: Home equity loans | 2.1306% | 39 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4857% | 335 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5278% | 1,835 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6509% | 916 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9643% | 840 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,616 |
| 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 | 0.3876% | 1,017 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1073% | 1,068 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,046 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.2806% | 6,351 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3015% | 483 |
| Percentage Net Loans Charged-off: Home equity loans | 2.9867% | 28 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2816% | 549 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6636% | 1,314 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5838% | 870 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4174% | 910 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,405 |
| 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 | 0.4022% | 936 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1423% | 805 |
| 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 | 0.2947% | 491 |
| Percentage Net Loans Charged-off: Home equity loans | 1.6874% | 44 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2854% | 532 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6720% | 1,186 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5420% | 924 |
| Percentage Net Loans Charged-off: Credit card loans | 1.8827% | 717 |
| 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 | NA | NA |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4109% | 854 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2282% | 448 |
| 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 | 0.4679% | 297 |
| Percentage Net Loans Charged-off: Home equity loans | 4.1359% | 26 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4463% | 325 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1092% | 1,640 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3970% | 1,071 |
| Percentage Net Loans Charged-off: Credit card loans | 6.0066% | 210 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 839 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2770% | 2,075 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1149% | 1,448 |
| Percentage Net Loans Charged-off:Construction & development | -0.0038% | 7,825 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,548 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1747% | 6,434 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2797% | 694 |
| Percentage Net Loans Charged-off: Home equity loans | 2.5357% | 39 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2632% | 752 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4328% | 2,308 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2100% | 1,633 |
| Percentage Net Loans Charged-off: Credit card loans | 3.0568% | 652 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,643 |
| 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 | 0.2406% | 2,011 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1308% | 1,112 |
| Percentage Net Loans Charged-off:Construction & development | -0.0052% | 7,840 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,213 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.2352% | 6,390 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3279% | 539 |
| Percentage Net Loans Charged-off: Home equity loans | 4.5769% | 25 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2951% | 586 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1748% | 2,686 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9806% | 1,918 |
| 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 | 0.0000% | 1,414 |
| 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 | 0.2097% | 2,181 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1171% | 1,149 |
| Percentage Net Loans Charged-off:Construction & development | -0.0081% | 7,829 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.3540% | 6,359 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3318% | 519 |
| Percentage Net Loans Charged-off: Home equity loans | 4.6614% | 24 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2968% | 582 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1917% | 2,241 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8668% | 2,148 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,207 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3159% | 1,388 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1945% | 652 |
| Percentage Net Loans Charged-off:Construction & development | -0.0171% | 7,836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5332% | 39 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2307% | 611 |
| Percentage Net Loans Charged-off: Home equity loans | -6.6530% | 6,013 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2900% | 498 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2146% | 1,568 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2763% | 1,453 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 887 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5745% | 1,259 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4696% | 428 |
| Percentage Net Loans Charged-off:Construction & development | 0.2662% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,593 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7479% | 259 |
| Percentage Net Loans Charged-off: Home equity loans | -2.8298% | 6,101 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7823% | 258 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7267% | 2,131 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7449% | 1,067 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,856 |
| 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 | 0.7060% | 823 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5595% | 301 |
| Percentage Net Loans Charged-off:Construction & development | 0.3588% | 300 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,273 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8638% | 189 |
| Percentage Net Loans Charged-off: Home equity loans | -3.5698% | 6,063 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9069% | 195 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6419% | 933 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1413% | 709 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,617 |
| 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 | 0.3076% | 1,998 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0958% | 1,409 |
| Percentage Net Loans Charged-off:Construction & development | 0.5041% | 230 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 978 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0209% | 8,485 |
| Percentage Net Loans Charged-off: Home equity loans | -6.2416% | 6,035 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0411% | 1,710 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4618% | 2,036 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.2940% | 367 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,407 |
| 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 | 0.5268% | 1,032 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2153% | 664 |
| Percentage Net Loans Charged-off:Construction & development | 0.7378% | 125 |
| 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 | 0.1025% | 1,008 |
| Percentage Net Loans Charged-off: Home equity loans | 9.3804% | 14 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,550 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0130% | 1,013 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.1766% | 206 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 993 |
| 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 | 0.4553% | 1,815 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0886% | 1,952 |
| Percentage Net Loans Charged-off:Construction & development | -0.0852% | 8,131 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,573 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1988% | 1,067 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8050% | 104 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1884% | 1,106 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.6060% | 8,774 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.9896% | 466 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,956 |
| 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 | 0.5407% | 1,503 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1779% | 1,096 |
| Percentage Net Loans Charged-off:Construction & development | 0.0865% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2915% | 665 |
| Percentage Net Loans Charged-off: Home equity loans | 7.3291% | 25 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0795% | 1,677 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,805 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2072% | 688 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,876 |
| 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 | 0.5898% | 1,069 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4106% | 56 |
| 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 | 0.6983% | 40 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5772% | 51 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7050% | 42 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,037 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4127% | 279 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 385 |
| 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 | 0.3324% | 2,102 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3295% | 71 |
| 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 | 0.5228% | 51 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5472% | 51 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,003 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3773% | 918 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 415 |
| 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 | 0.2561% | 2,833 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0344% | 567 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 457 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0538% | 470 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0540% | 434 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7124% | 248 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 409 |
| 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 | 0.2225% | 3,529 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0172% | 769 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 477 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0264% | 700 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0264% | 658 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 888 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8391% | 254 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 386 |
| 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 | 0.2063% | 3,977 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0107% | 888 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 559 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0040% | 1,323 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0169% | 798 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0169% | 764 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 891 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.3214% | 182 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 444 |
| 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 | 0.2180% | 3,653 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1763% | 354 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 615 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.0761% | 106 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0321% | 658 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0321% | 626 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 798 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6748% | 600 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 433 |
| 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 | 0.0708% | 6,416 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0436% | 770 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1023% | 500 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0443% | 601 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0443% | 578 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 761 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4640% | 661 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 371 |
| 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 | 0.0235% | 9,089 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0582% | 1,459 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.4611% | 1,473 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0021% | 1,093 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0021% | 1,037 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 929 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3287% | 305 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 423 |
| 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 | 0.0434% | 10,050 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0129% | 1,241 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 639 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1397% | 1,515 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 418 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0476% | 804 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0476% | 760 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,086 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3557% | 1,101 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 479 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |