Home > Peoples State Bank > Net charge- offs to loans

Peoples State Bank, Net charge- offs to loans

2010-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans6.5789%103
Percentage Net Loans Charged-off: Total real estate loans5.7886%134
Percentage Net Loans Charged-off:Construction & development14.0931%315
Percentage Net Loans Charged-off: Commercial real estate5.4815%124
Percentage Net Loans Charged-off: Multi-family residential0.0000%710
Percentage Net Loans Charged-off: 1-4 family residential-0.2582%7,612
Percentage Net Loans Charged-off: Home equity loans0.0000%1,414
All other 1-4 family - Percent of loans charged-off, net-0.2846%7,605
Percentage Net Loans Charged-off: Commercial and industrial17.8849%98
Percentage Net Loans Charged-off: Loans to individuals4.1513%431
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%1,540
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2010-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans7.0820%133
Percentage Net Loans Charged-off: Total real estate loans7.2492%107
Percentage Net Loans Charged-off:Construction & development26.8598%117
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,882
Percentage Net Loans Charged-off: Multi-family residential0.0000%457
Percentage Net Loans Charged-off: 1-4 family residential-0.3489%7,693
Percentage Net Loans Charged-off: Home equity loans0.0000%974
All other 1-4 family - Percent of loans charged-off, net-0.3849%7,685
Percentage Net Loans Charged-off: Commercial and industrial-1.3409%7,451
Percentage Net Loans Charged-off: Loans to individuals21.3992%59
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%1,171
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2009-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans1.0400%2,332
Percentage Net Loans Charged-off: Total real estate loans1.1984%1,671
Percentage Net Loans Charged-off:Construction & development2.8992%1,758
Percentage Net Loans Charged-off: Commercial real estate-0.0320%7,657
Percentage Net Loans Charged-off: Multi-family residential0.0000%922
Percentage Net Loans Charged-off: 1-4 family residential1.1434%1,161
Percentage Net Loans Charged-off: Home equity loans0.0000%1,916
All other 1-4 family - Percent of loans charged-off, net1.2433%1,050
Percentage Net Loans Charged-off: Commercial and industrial0.0480%4,958
Percentage Net Loans Charged-off: Loans to individuals0.4227%4,348
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%2,150
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2009-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.6919%2,619
Percentage Net Loans Charged-off: Total real estate loans0.7675%1,876
Percentage Net Loans Charged-off:Construction & development2.7927%1,481
Percentage Net Loans Charged-off: Commercial real estate-0.0428%7,728
Percentage Net Loans Charged-off: Multi-family residential0.0000%708
Percentage Net Loans Charged-off: 1-4 family residential-0.2620%7,890
Percentage Net Loans Charged-off: Home equity loans0.0000%1,611
All other 1-4 family - Percent of loans charged-off, net-0.2840%7,879
Percentage Net Loans Charged-off: Commercial and industrial0.0608%4,326
Percentage Net Loans Charged-off: Loans to individuals0.8038%2,895
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%1,898
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2009-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.1410%8,000
Percentage Net Loans Charged-off: Total real estate loans-0.1238%7,981
Percentage Net Loans Charged-off:Construction & development0.0359%2,606
Percentage Net Loans Charged-off: Commercial real estate-0.0323%7,762
Percentage Net Loans Charged-off: Multi-family residential0.0000%531
Percentage Net Loans Charged-off: 1-4 family residential-0.4231%7,986
Percentage Net Loans Charged-off: Home equity loans0.0000%1,287
All other 1-4 family - Percent of loans charged-off, net-0.4571%7,973
Percentage Net Loans Charged-off: Commercial and industrial0.0000%3,950
Percentage Net Loans Charged-off: Loans to individuals-0.7617%7,860
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%1,633
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2009-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.3193%8,074
Percentage Net Loans Charged-off: Total real estate loans-0.1130%7,972
Percentage Net Loans Charged-off:Construction & development0.0694%1,768
Percentage Net Loans Charged-off: Commercial real estate-0.0636%7,841
Percentage Net Loans Charged-off: Multi-family residential0.0000%309
Percentage Net Loans Charged-off: 1-4 family residential-0.4150%8,022
Percentage Net Loans Charged-off: Home equity loans0.0000%827
All other 1-4 family - Percent of loans charged-off, net-0.4506%8,006
Percentage Net Loans Charged-off: Commercial and industrial0.0000%2,811
Percentage Net Loans Charged-off: Loans to individuals-4.1976%8,036
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%1,234
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2008-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0211%6,565
Percentage Net Loans Charged-off: Total real estate loans-0.1665%8,135
Percentage Net Loans Charged-off:Construction & development0.0000%2,850
Percentage Net Loans Charged-off: Commercial real estate-0.0557%7,890
Percentage Net Loans Charged-off: Multi-family residential0.0000%546
Percentage Net Loans Charged-off: 1-4 family residential-0.6815%8,120
Percentage Net Loans Charged-off: Home equity loans0.0000%1,398
All other 1-4 family - Percent of loans charged-off, net-0.7294%8,105
Percentage Net Loans Charged-off: Commercial and industrial1.2464%1,572
Percentage Net Loans Charged-off: Loans to individuals0.5792%3,444
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%1,901
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2008-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.1453%8,147
Percentage Net Loans Charged-off: Total real estate loans-0.2118%8,208
Percentage Net Loans Charged-off:Construction & development0.0000%2,246
Percentage Net Loans Charged-off: Commercial real estate-0.0518%7,926
Percentage Net Loans Charged-off: Multi-family residential0.0000%377
Percentage Net Loans Charged-off: 1-4 family residential-0.8914%8,185
Percentage Net Loans Charged-off: Home equity loans0.0000%1,108
All other 1-4 family - Percent of loans charged-off, net-0.9496%8,165
Percentage Net Loans Charged-off: Commercial and industrial1.7226%871
Percentage Net Loans Charged-off: Loans to individuals-1.3304%8,128
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%1,634
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2008-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.2410%8,248
Percentage Net Loans Charged-off: Total real estate loans-0.1391%8,192
Percentage Net Loans Charged-off:Construction & development0.0000%1,702
Percentage Net Loans Charged-off: Commercial real estate-0.0410%7,956
Percentage Net Loans Charged-off: Multi-family residential0.0000%250
Percentage Net Loans Charged-off: 1-4 family residential-0.8226%8,247
Percentage Net Loans Charged-off: Home equity loans0.0000%889
All other 1-4 family - Percent of loans charged-off, net-0.8700%8,223
Percentage Net Loans Charged-off: Commercial and industrial0.1443%2,495
Percentage Net Loans Charged-off: Loans to individuals-1.5319%8,193
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%1,409
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2008-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.4143%8,312
Percentage Net Loans Charged-off: Total real estate loans-0.2353%8,275
Percentage Net Loans Charged-off:Construction & development0.0000%1,119
Percentage Net Loans Charged-off: Commercial real estate0.0000%813
Percentage Net Loans Charged-off: Multi-family residential0.0000%134
Percentage Net Loans Charged-off: 1-4 family residential-0.8721%8,281
Percentage Net Loans Charged-off: Home equity loans0.0000%563
All other 1-4 family - Percent of loans charged-off, net-0.9099%8,258
Percentage Net Loans Charged-off: Commercial and industrial-0.3283%7,713
Percentage Net Loans Charged-off: Loans to individuals-2.1277%8,213
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%1,048
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.9081%8,451
Percentage Net Loans Charged-off: Total real estate loans-0.6128%8,395
Percentage Net Loans Charged-off:Construction & development0.0000%1,563
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,679
Percentage Net Loans Charged-off: Multi-family residential0.0000%289
Percentage Net Loans Charged-off: 1-4 family residential-1.6514%8,346
Percentage Net Loans Charged-off: Home equity loans0.0000%938
All other 1-4 family - Percent of loans charged-off, net-1.7360%8,321
Percentage Net Loans Charged-off: Commercial and industrial-0.1941%7,683
Percentage Net Loans Charged-off: Loans to individuals-3.1780%8,331
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 lease0.0000%1,751
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.9858%8,479
Percentage Net Loans Charged-off: Total real estate loans-0.7246%8,405
Percentage Net Loans Charged-off:Construction & development0.0000%1,085
Percentage Net Loans Charged-off: Commercial real estate-0.1761%8,147
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential-1.7765%8,362
Percentage Net Loans Charged-off: Home equity loans0.0000%720
All other 1-4 family - Percent of loans charged-off, net-1.8788%8,329
Percentage Net Loans Charged-off: Commercial and industrial-0.2501%7,687
Percentage Net Loans Charged-off: Loans to individuals-3.1355%8,349
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%1,521
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans-1.0301%8,515
Percentage Net Loans Charged-off: Total real estate loans-0.7894%8,440
Percentage Net Loans Charged-off:Construction & development0.0000%770
Percentage Net Loans Charged-off: Commercial real estate-0.1797%8,183
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential-2.1193%8,404
Percentage Net Loans Charged-off: Home equity loans0.0000%541
All other 1-4 family - Percent of loans charged-off, net-2.2415%8,381
Percentage Net Loans Charged-off: Commercial and industrial-0.2457%7,677
Percentage Net Loans Charged-off: Loans to individuals-3.1758%8,392
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%1,336
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-1.2149%8,541
Percentage Net Loans Charged-off: Total real estate loans-0.9821%8,492
Percentage Net Loans Charged-off:Construction & development0.0000%444
Percentage Net Loans Charged-off: Commercial real estate-0.1720%8,226
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential-2.8087%8,448
Percentage Net Loans Charged-off: Home equity loans0.0000%371
All other 1-4 family - Percent of loans charged-off, net-2.9511%8,410
Percentage Net Loans Charged-off: Commercial and industrial-0.2415%7,684
Percentage Net Loans Charged-off: Loans to individuals-3.4473%8,420
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%964
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.8473%8,599
Percentage Net Loans Charged-off: Total real estate loans-0.5625%8,531
Percentage Net Loans Charged-off:Construction & development0.0000%832
Percentage Net Loans Charged-off: Commercial real estate-0.0778%8,161
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential-1.2872%8,497
Percentage Net Loans Charged-off: Home equity loans0.0000%709
All other 1-4 family - Percent of loans charged-off, net-1.3086%8,469
Percentage Net Loans Charged-off: Commercial and industrial-0.2308%7,804
Percentage Net Loans Charged-off: Loans to individuals-3.5480%8,479
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%1,606
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.8582%8,647
Percentage Net Loans Charged-off: Total real estate loans-0.5730%8,576
Percentage Net Loans Charged-off:Construction & development0.0000%620
Percentage Net Loans Charged-off: Commercial real estate-0.0957%8,230
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential-1.2158%8,554
Percentage Net Loans Charged-off: Home equity loans0.0000%550
All other 1-4 family - Percent of loans charged-off, net-1.2341%8,528
Percentage Net Loans Charged-off: Commercial and industrial-0.2395%7,792
Percentage Net Loans Charged-off: Loans to individuals-3.6575%8,539
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%1,412
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.7399%8,653
Percentage Net Loans Charged-off: Total real estate loans-0.4190%8,580
Percentage Net Loans Charged-off:Construction & development0.0000%466
Percentage Net Loans Charged-off: Commercial real estate-0.0882%8,238
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential-0.7999%8,560
Percentage Net Loans Charged-off: Home equity loans0.0000%426
All other 1-4 family - Percent of loans charged-off, net-0.8102%8,537
Percentage Net Loans Charged-off: Commercial and industrial-0.3373%7,854
Percentage Net Loans Charged-off: Loans to individuals-3.8048%8,567
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%1,212
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.5402%8,627
Percentage Net Loans Charged-off: Total real estate loans-0.3480%8,569
Percentage Net Loans Charged-off:Construction & development0.0000%268
Percentage Net Loans Charged-off: Commercial real estate-0.0922%8,286
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential-0.6100%8,557
Percentage Net Loans Charged-off: Home equity loans0.0000%311
All other 1-4 family - Percent of loans charged-off, net-0.6161%8,527
Percentage Net Loans Charged-off: Commercial and industrial0.0000%1,732
Percentage Net Loans Charged-off: Loans to individuals-3.2226%8,541
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%911
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans5.7700%17
Percentage Net Loans Charged-off: Total real estate loans5.6795%5
Percentage Net Loans Charged-off:Construction & development0.0000%694
Percentage Net Loans Charged-off: Commercial real estate3.8040%27
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential8.8015%4
Percentage Net Loans Charged-off: Home equity loans0.0000%682
All other 1-4 family - Percent of loans charged-off, net8.8055%4
Percentage Net Loans Charged-off: Commercial and industrial4.9390%189
Percentage Net Loans Charged-off: Loans to individuals7.7625%57
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%1,616
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans8.7144%5
Percentage Net Loans Charged-off: Total real estate loans8.2454%3
Percentage Net Loans Charged-off:Construction & development0.0000%541
Percentage Net Loans Charged-off: Commercial real estate8.9852%10
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential12.0671%4
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net12.0671%4
Percentage Net Loans Charged-off: Commercial and industrial2.6745%352
Percentage Net Loans Charged-off: Loans to individuals15.9947%22
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 lease1.1225%501
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans15.1883%2
Percentage Net Loans Charged-off: Total real estate loans14.2162%1
Percentage Net Loans Charged-off:Construction & development0.0000%425
Percentage Net Loans Charged-off: Commercial real estate12.1923%4
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential20.7207%2
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net20.7207%3
Percentage Net Loans Charged-off: Commercial and industrial6.2966%147
Percentage Net Loans Charged-off: Loans to individuals23.7571%13
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 lease3.4986%187
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans6.4800%15
Percentage Net Loans Charged-off: Total real estate loans5.9101%6
Percentage Net Loans Charged-off:Construction & development0.0000%235
Percentage Net Loans Charged-off: Commercial real estate1.8553%63
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential9.0457%9
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net9.0457%9
Percentage Net Loans Charged-off: Commercial and industrial0.0000%1,974
Percentage Net Loans Charged-off: Loans to individuals11.1454%34
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%839
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans2.6949%108
Percentage Net Loans Charged-off: Total real estate loans2.2943%33
Percentage Net Loans Charged-off:Construction & development0.0000%758
Percentage Net Loans Charged-off: Commercial real estate-0.1562%8,542
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential3.3216%24
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net3.3216%25
Percentage Net Loans Charged-off: Commercial and industrial2.2657%643
Percentage Net Loans Charged-off: Loans to individuals3.4228%309
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 RENANA
2004-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans3.0432%88
Percentage Net Loans Charged-off: Total real estate loans2.7916%18
Percentage Net Loans Charged-off:Construction & development0.0000%604
Percentage Net Loans Charged-off: Commercial real estate-0.2083%8,611
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential4.0316%19
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net4.0316%18
Percentage Net Loans Charged-off: Commercial and industrial2.9292%410
Percentage Net Loans Charged-off: Loans to individuals3.5500%269
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 RENANA
2004-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans2.4352%129
Percentage Net Loans Charged-off: Total real estate loans2.3470%36
Percentage Net Loans Charged-off:Construction & development0.0000%464
Percentage Net Loans Charged-off: Commercial real estate-0.3261%8,682
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential3.3634%25
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net3.3634%29
Percentage Net Loans Charged-off: Commercial and industrial1.9701%586
Percentage Net Loans Charged-off: Loans to individuals2.8106%448
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 RENANA
2004-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans3.7835%78
Percentage Net Loans Charged-off: Total real estate loans2.6949%30
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estate-0.6494%8,753
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential3.9075%18
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net3.9075%20
Percentage Net Loans Charged-off: Commercial and industrial3.8289%284
Percentage Net Loans Charged-off: Loans to individuals4.6543%244
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 RENANA
2003-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans4.0370%74
Percentage Net Loans Charged-off: Total real estate loans3.5207%20
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estate15.1515%7
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential1.8017%80
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net1.8017%91
Percentage Net Loans Charged-off: Commercial and industrial0.8322%1,928
Percentage Net Loans Charged-off: Loans to individuals5.0304%173
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 lease-0.5330%7,836
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans4.6402%60
Percentage Net Loans Charged-off: Total real estate loans4.6564%11
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estate19.3794%4
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential2.4453%50
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net2.4453%54
Percentage Net Loans Charged-off: Commercial and industrial1.2265%1,209
Percentage Net Loans Charged-off: Loans to individuals5.3303%171
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%1,617
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans5.3285%46
Percentage Net Loans Charged-off: Total real estate loans7.1481%6
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estate27.9008%4
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential3.8007%30
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net3.8007%30
Percentage Net Loans Charged-off: Commercial and industrial2.5469%598
Percentage Net Loans Charged-off: Loans to individuals4.7885%200
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%1,407
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans7.0222%26
Percentage Net Loans Charged-off: Total real estate loans12.6818%3
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estate42.6173%1
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential6.8014%11
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net6.8014%11
Percentage Net Loans Charged-off: Commercial and industrial5.2356%239
Percentage Net Loans Charged-off: Loans to individuals4.3853%272
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%993
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2002-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans14.8270%11
Percentage Net Loans Charged-off: Total real estate loans5.9996%10
Percentage Net Loans Charged-off:Construction & development0.0000%875
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,573
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential8.7116%4
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net8.7116%2
Percentage Net Loans Charged-off: Commercial and industrial43.9488%8
Percentage Net Loans Charged-off: Loans to individuals17.0288%23
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 lease26.5101%49
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2001-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans1.5403%375
Percentage Net Loans Charged-off: Total real estate loans0.0000%3,994
Percentage Net Loans Charged-off:Construction & development0.0000%831
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,436
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.0000%3,307
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net0.0000%3,123
Percentage Net Loans Charged-off: Commercial and industrial5.1885%332
Percentage Net Loans Charged-off: Loans to individuals1.9915%817
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 RENANA
2000-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans1.4952%301
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
1999-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.6888%927
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
1998-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.6188%1,126
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
1997-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.9501%638
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
1996-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4107%2,171
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 loans0.5092%1,630
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 loans0.3520%2,591
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 loans0.4425%3,067
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 loans0.6574%3,328
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