Home > Peoples First Community Bank > Net charge- offs to loans
Peoples First Community Bank, Net charge- offs to loans
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 7.9153% | 85 |
| Percentage Net Loans Charged-off: Total real estate loans | 8.0449% | 70 |
| Percentage Net Loans Charged-off:Construction & development | 15.1698% | 281 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.9258% | 437 |
| Percentage Net Loans Charged-off: Multi-family residential | 9.7232% | 95 |
| Percentage Net Loans Charged-off: 1-4 family residential | 4.6513% | 173 |
| Percentage Net Loans Charged-off: Home equity loans | 5.6448% | 152 |
| All other 1-4 family - Percent of loans charged-off, net | 4.3314% | 222 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.0265% | 1,053 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.3075% | 345 |
| Percentage Net Loans Charged-off: Credit card loans | 8.9276% | 178 |
| 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 | 8.3498% | 94 |
| Percentage Net Loans Charged-off: Total real estate loans | 8.5659% | 75 |
| Percentage Net Loans Charged-off:Construction & development | 14.6064% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.0831% | 222 |
| Percentage Net Loans Charged-off: Multi-family residential | 14.9313% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 5.2645% | 150 |
| Percentage Net Loans Charged-off: Home equity loans | 6.2294% | 125 |
| All other 1-4 family - Percent of loans charged-off, net | 4.9487% | 171 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8578% | 2,160 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.6093% | 592 |
| Percentage Net Loans Charged-off: Credit card loans | 9.3333% | 183 |
| 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 | 5.2740% | 195 |
| Percentage Net Loans Charged-off: Total real estate loans | 5.4323% | 155 |
| Percentage Net Loans Charged-off:Construction & development | 8.7268% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.9287% | 270 |
| Percentage Net Loans Charged-off: Multi-family residential | -9.2710% | 6,146 |
| Percentage Net Loans Charged-off: 1-4 family residential | 5.0447% | 135 |
| Percentage Net Loans Charged-off: Home equity loans | 6.7700% | 92 |
| All other 1-4 family - Percent of loans charged-off, net | 4.4776% | 170 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8605% | 1,526 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1882% | 1,827 |
| Percentage Net Loans Charged-off: Credit card loans | 9.4754% | 165 |
| 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 | 2.4553% | 399 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.4924% | 296 |
| Percentage Net Loans Charged-off:Construction & development | 3.6761% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0807% | 1,850 |
| Percentage Net Loans Charged-off: Multi-family residential | 4.7581% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.8536% | 296 |
| Percentage Net Loans Charged-off: Home equity loans | 2.7188% | 203 |
| All other 1-4 family - Percent of loans charged-off, net | 1.5651% | 369 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0690% | 4,199 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.3432% | 796 |
| Percentage Net Loans Charged-off: Credit card loans | 4.5521% | 315 |
| 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 | 2.6739% | 230 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.7211% | 169 |
| Percentage Net Loans Charged-off:Construction & development | 4.0497% | 411 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1114% | 1,196 |
| Percentage Net Loans Charged-off: Multi-family residential | 6.7227% | 58 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.7921% | 238 |
| Percentage Net Loans Charged-off: Home equity loans | 3.1384% | 139 |
| All other 1-4 family - Percent of loans charged-off, net | 1.3409% | 314 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0922% | 3,310 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2314% | 719 |
| Percentage Net Loans Charged-off: Credit card loans | 4.6440% | 283 |
| 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 | 2.1311% | 276 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.1542% | 199 |
| Percentage Net Loans Charged-off:Construction & development | 2.8239% | 403 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1786% | 234 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.8264% | 86 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.6929% | 233 |
| Percentage Net Loans Charged-off: Home equity loans | 3.1865% | 121 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1865% | 300 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1335% | 2,542 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4132% | 605 |
| Percentage Net Loans Charged-off: Credit card loans | 5.1905% | 235 |
| 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 | 1.8628% | 267 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.8751% | 177 |
| Percentage Net Loans Charged-off:Construction & development | 2.4752% | 261 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.3590% | 140 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3997% | 231 |
| Percentage Net Loans Charged-off: Home equity loans | 2.5750% | 117 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9955% | 302 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6688% | 1,015 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1133% | 701 |
| Percentage Net Loans Charged-off: Credit card loans | 5.1193% | 222 |
| 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 | 0.1176% | 3,673 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1072% | 2,031 |
| Percentage Net Loans Charged-off:Construction & development | 0.1652% | 1,060 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0022% | 8,224 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0671% | 2,210 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1644% | 601 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0312% | 2,545 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0887% | 7,471 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7183% | 2,305 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5464% | 734 |
| 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 | 0.0717% | 3,696 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0631% | 1,899 |
| Percentage Net Loans Charged-off:Construction & development | 0.0815% | 791 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0022% | 7,766 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0619% | 1,757 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2202% | 390 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0021% | 2,462 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0808% | 7,341 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5585% | 2,466 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3962% | 705 |
| 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 | 0.0978% | 2,790 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0904% | 1,282 |
| Percentage Net Loans Charged-off:Construction & development | 0.1174% | 502 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0022% | 7,793 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0873% | 1,269 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3325% | 256 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0069% | 7,698 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0069% | 2,697 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4890% | 2,439 |
| Percentage Net Loans Charged-off: Credit card loans | 1.1671% | 702 |
| 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 | 0.0399% | 3,175 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0360% | 1,347 |
| Percentage Net Loans Charged-off:Construction & development | 0.0772% | 332 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0022% | 7,884 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0101% | 7,801 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0141% | 7,834 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0132% | 6,742 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2503% | 2,919 |
| Percentage Net Loans Charged-off: Credit card loans | 0.4110% | 757 |
| 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 | 0.0215% | 5,283 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0029% | 3,312 |
| Percentage Net Loans Charged-off:Construction & development | 0.0065% | 781 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0016% | 7,779 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0004% | 7,673 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0006% | 7,668 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0601% | 7,348 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8490% | 1,770 |
| Percentage Net Loans Charged-off: Credit card loans | 2.0848% | 571 |
| 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 | 0.0154% | 4,958 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0012% | 2,856 |
| Percentage Net Loans Charged-off:Construction & development | 0.0022% | 605 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0015% | 7,818 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0008% | 2,429 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0011% | 2,246 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1628% | 7,648 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7497% | 1,794 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7625% | 600 |
| 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 | 0.0230% | 4,214 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0019% | 2,387 |
| Percentage Net Loans Charged-off:Construction & development | 0.0034% | 448 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0011% | 7,889 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0013% | 2,004 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0018% | 1,860 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0124% | 2,577 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8609% | 1,486 |
| Percentage Net Loans Charged-off: Credit card loans | 1.8304% | 567 |
| 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 | 0.0323% | 3,231 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0046% | 1,564 |
| Percentage Net Loans Charged-off:Construction & development | 0.0070% | 252 |
| 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 | 0.0034% | 1,324 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0048% | 1,212 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0979% | 1,404 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0501% | 1,237 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5780% | 577 |
| 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 | 0.0346% | 5,195 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0023% | 3,447 |
| Percentage Net Loans Charged-off:Construction & development | -0.0011% | 7,674 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0117% | 1,243 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0355% | 157 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,059 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1054% | 3,287 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1298% | 1,583 |
| Percentage Net Loans Charged-off: Credit card loans | 3.3408% | 501 |
| 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 | 0.0312% | 4,805 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0033% | 2,929 |
| Percentage Net Loans Charged-off:Construction & development | -0.0015% | 7,680 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0161% | 939 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0474% | 125 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0003% | 2,613 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0004% | 2,428 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0707% | 2,933 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9839% | 1,649 |
| Percentage Net Loans Charged-off: Credit card loans | 2.8421% | 545 |
| 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 | 0.0400% | 4,150 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0027% | 2,461 |
| Percentage Net Loans Charged-off:Construction & development | -0.0023% | 7,677 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0261% | 691 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0013% | 7,740 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0019% | 7,764 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1131% | 2,328 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2716% | 1,178 |
| Percentage Net Loans Charged-off: Credit card loans | 3.6491% | 399 |
| 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 | 0.0609% | 3,033 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0069% | 1,679 |
| Percentage Net Loans Charged-off:Construction & development | -0.0032% | 7,712 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0522% | 400 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0009% | 7,869 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0013% | 7,899 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2232% | 1,396 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7438% | 810 |
| Percentage Net Loans Charged-off: Credit card loans | 4.0847% | 328 |
| 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 | 0.0588% | 5,061 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0043% | 7,907 |
| Percentage Net Loans Charged-off:Construction & development | 0.0068% | 719 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0071% | 1,488 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1725% | 6,433 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0051% | 7,981 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0026% | 649 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0082% | 8,038 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4383% | 2,297 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6442% | 1,055 |
| Percentage Net Loans Charged-off: Credit card loans | 4.6872% | 374 |
| 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 | 0.0639% | 4,379 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0044% | 7,867 |
| Percentage Net Loans Charged-off:Construction & development | 0.0093% | 573 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0094% | 1,149 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.2234% | 6,387 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0033% | 7,902 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0035% | 544 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0059% | 7,966 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5481% | 1,681 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6745% | 926 |
| Percentage Net Loans Charged-off: Credit card loans | 4.8782% | 341 |
| 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 | 0.0736% | 3,868 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0065% | 7,937 |
| Percentage Net Loans Charged-off:Construction & development | 0.0143% | 429 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0139% | 890 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.3231% | 6,358 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0045% | 7,981 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0055% | 418 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0083% | 8,067 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7202% | 1,322 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8302% | 825 |
| Percentage Net Loans Charged-off: Credit card loans | 5.2435% | 316 |
| 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 | 0.0689% | 3,344 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0027% | 1,919 |
| Percentage Net Loans Charged-off:Construction & development | 0.0029% | 280 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0275% | 496 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0103% | 8,189 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0141% | 8,242 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0119% | 6,942 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9761% | 864 |
| Percentage Net Loans Charged-off: Credit card loans | 5.6103% | 334 |
| 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 | 0.0552% | 5,764 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0166% | 8,380 |
| Percentage Net Loans Charged-off:Construction & development | -0.0648% | 8,040 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0010% | 1,587 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1320% | 124 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0024% | 3,408 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0032% | 3,201 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5062% | 2,602 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4890% | 1,379 |
| Percentage Net Loans Charged-off: Credit card loans | 4.9366% | 429 |
| 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 | 0.0346% | 5,746 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0330% | 8,573 |
| Percentage Net Loans Charged-off:Construction & development | -0.0873% | 8,046 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0014% | 1,266 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,919 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,778 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6225% | 1,960 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2251% | 1,689 |
| Percentage Net Loans Charged-off: Credit card loans | 4.4029% | 516 |
| 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 | 0.0605% | 4,720 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0042% | 8,081 |
| Percentage Net Loans Charged-off:Construction & development | -0.0090% | 7,926 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0021% | 972 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0032% | 8,200 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0041% | 8,253 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7991% | 1,516 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0552% | 1,958 |
| Percentage Net Loans Charged-off: Credit card loans | 4.3544% | 539 |
| 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 | 0.1094% | 3,219 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0008% | 8,042 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 618 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0021% | 8,300 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0027% | 8,341 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5922% | 719 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6051% | 1,191 |
| Percentage Net Loans Charged-off: Credit card loans | 5.8336% | 375 |
| 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 | 0.0895% | 5,345 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0351% | 2,888 |
| Percentage Net Loans Charged-off:Construction & development | -0.0107% | 8,037 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0237% | 1,392 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0061% | 181 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0869% | 1,832 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1182% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0815% | 1,842 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6590% | 2,464 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8700% | 2,758 |
| Percentage Net Loans Charged-off: Credit card loans | 2.8716% | 992 |
| 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 | 0.2184% | 3,410 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1533% | 1,236 |
| Percentage Net Loans Charged-off:Construction & development | 0.2716% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0917% | 968 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0805% | 1,732 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0898% | 1,579 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9764% | 1,840 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9607% | 2,366 |
| Percentage Net Loans Charged-off: Credit card loans | 3.2218% | 827 |
| 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 |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1246% | 4,190 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0415% | 472 |
| Percentage Net Loans Charged-off:Construction & development | 0.0945% | 142 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 426 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0146% | 1,358 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0085% | 771 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0093% | 716 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6771% | 361 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3311% | 296 |
| Percentage Net Loans Charged-off: Credit card loans | 4.9486% | 144 |
| 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 | 0.0570% | 5,868 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0291% | 604 |
| Percentage Net Loans Charged-off:Construction & development | 0.0032% | 244 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 415 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0404% | 1,348 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0666% | 409 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0056% | 1,276 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0708% | 376 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4859% | 398 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3293% | 976 |
| Percentage Net Loans Charged-off: Credit card loans | 0.9403% | 809 |
| 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 | 0.0066% | 7,875 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0018% | 1,197 |
| 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 | -0.0508% | 1,314 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0007% | 1,231 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0007% | 1,232 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1891% | 1,140 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5887% | 897 |
| 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 | -0.0031% | 9,421 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0056% | 1,228 |
| 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 | -0.0426% | 1,309 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0087% | 1,320 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0089% | 1,316 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 888 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0529% | 1,278 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5647% | 928 |
| 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 | -0.0039% | 9,828 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0055% | 1,287 |
| Percentage Net Loans Charged-off:Construction & development | -0.0145% | 1,297 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 559 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1053% | 1,367 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0019% | 1,019 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0019% | 971 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 891 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0511% | 1,329 |
| Percentage Net Loans Charged-off: Credit card loans | 0.4487% | 986 |
| 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 | -0.0034% | 9,860 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0031% | 1,255 |
| Percentage Net Loans Charged-off:Construction & development | -0.0038% | 1,295 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 615 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1641% | 1,378 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0004% | 1,296 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0004% | 1,301 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 798 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0083% | 1,486 |
| Percentage Net Loans Charged-off: Credit card loans | -0.0725% | 1,298 |
| 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 | -0.0041% | 9,952 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0029% | 1,239 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 668 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.2701% | 1,374 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,024 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 974 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 761 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0407% | 1,411 |
| Percentage Net Loans Charged-off: Credit card loans | -0.3539% | 1,285 |
| 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 | -0.0117% | 11,123 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0115% | 1,390 |
| Percentage Net Loans Charged-off:Construction & development | -0.0096% | 1,314 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0313% | 1,366 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.3802% | 1,409 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,114 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,053 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0305% | 1,182 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0572% | 1,252 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5705% | 888 |
| 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 | 0.0778% | 9,279 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0648% | 1,036 |
| Percentage Net Loans Charged-off:Construction & development | 0.0460% | 609 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0482% | 892 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.3270% | 1,456 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0889% | 637 |
| Percentage Net Loans Charged-off: Home equity loans | 2.6459% | 15 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0668% | 696 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0181% | 1,077 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4038% | 1,058 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5968% | 966 |
| 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 |