Home > Provident Bank of Maryland > Net charge- offs to loans
Provident Bank of Maryland, Net charge- offs to loans
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2386% | 1,130 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1979% | 894 |
| Percentage Net Loans Charged-off:Construction & development | 2.7686% | 816 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0036% | 7,666 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8075% | 895 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7643% | 500 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8612% | 795 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5651% | 1,786 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1531% | 1,860 |
| 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 | 2.5364% | 405 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 81 |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4649% | 2,505 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3045% | 2,308 |
| Percentage Net Loans Charged-off:Construction & development | 0.2912% | 2,268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2005% | 1,406 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3748% | 1,500 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2745% | 928 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4743% | 1,187 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1476% | 1,656 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8718% | 2,579 |
| 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 | 0.8215% | 850 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 112 |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3682% | 2,195 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2469% | 1,899 |
| Percentage Net Loans Charged-off:Construction & development | 0.2769% | 1,680 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1941% | 966 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2591% | 1,467 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1822% | 839 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3317% | 1,154 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9138% | 1,414 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6560% | 2,720 |
| 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 | 0.6058% | 819 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 90 |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3134% | 2,066 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2212% | 1,616 |
| Percentage Net Loans Charged-off:Construction & development | 0.3308% | 1,151 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2978% | 609 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1140% | 1,840 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0409% | 848 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1794% | 1,420 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6252% | 1,450 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6226% | 2,525 |
| 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 | 0.4977% | 790 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 70 |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2970% | 1,658 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2117% | 1,204 |
| Percentage Net Loans Charged-off:Construction & development | 0.1266% | 929 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5317% | 284 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1280% | 1,284 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0839% | 509 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1654% | 1,050 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6993% | 992 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4557% | 2,595 |
| 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 | 0.4581% | 639 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3325% | 1,646 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0699% | 2,531 |
| Percentage Net Loans Charged-off:Construction & development | 0.0395% | 1,381 |
| 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 | 0.1235% | 1,692 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1350% | 655 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1148% | 1,667 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9784% | 640 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6607% | 2,484 |
| 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 | 0.4456% | 905 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 73 |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2467% | 1,624 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0626% | 1,906 |
| Percentage Net Loans Charged-off:Construction & development | 0.0539% | 855 |
| 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 | 0.0981% | 1,429 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0937% | 547 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1015% | 1,310 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1776% | 818 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6132% | 2,278 |
| 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 | 0.4968% | 765 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 52 |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2703% | 1,336 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0314% | 1,956 |
| 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 | 0.0666% | 1,411 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0095% | 526 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1087% | 1,062 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7901% | 523 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4880% | 2,444 |
| 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 | 0.5296% | 689 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 38 |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0757% | 2,521 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0222% | 1,519 |
| 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 | 0.0469% | 1,143 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0201% | 356 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0662% | 954 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0130% | 6,738 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4632% | 2,241 |
| 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 | 0.2472% | 681 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1170% | 2,963 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0415% | 2,137 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0194% | 1,147 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0741% | 1,682 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0207% | 650 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1136% | 1,265 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2364% | 2,325 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4608% | 3,059 |
| 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 | 0.2478% | 1,001 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1080% | 2,575 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0349% | 1,899 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| 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 | 0.0691% | 1,436 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0300% | 489 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0981% | 1,155 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1997% | 1,969 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3907% | 3,004 |
| 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 | 0.3790% | 775 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 29 |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1115% | 2,327 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0384% | 1,583 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| 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 | 0.0756% | 1,192 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0448% | 360 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0987% | 998 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4195% | 1,246 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2587% | 3,366 |
| 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 | 0.2991% | 744 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1296% | 1,794 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0622% | 935 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| 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 | 0.1218% | 702 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0792% | 228 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1536% | 587 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3506% | 997 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2658% | 2,865 |
| 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 | 0.4204% | 577 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 12 |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1532% | 2,823 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0263% | 2,525 |
| Percentage Net Loans Charged-off:Construction & development | -0.0190% | 7,752 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0144% | 1,214 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0495% | 2,025 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0010% | 5,965 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0789% | 1,587 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6082% | 1,669 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3037% | 4,526 |
| 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 | 0.8014% | 663 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1754% | 2,183 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0287% | 2,128 |
| Percentage Net Loans Charged-off:Construction & development | -0.0177% | 7,732 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0029% | 7,930 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0609% | 1,602 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0011% | 5,932 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0950% | 1,243 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7041% | 1,261 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2856% | 4,135 |
| 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 | 1.0740% | 514 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1889% | 1,911 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0426% | 1,602 |
| Percentage Net Loans Charged-off:Construction & development | -0.0281% | 7,740 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0044% | 8,002 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0900% | 1,169 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0008% | 5,872 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1367% | 904 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6936% | 1,158 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1929% | 4,216 |
| 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 | 1.4082% | 364 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 20 |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2367% | 1,399 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0793% | 947 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0062% | 8,186 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1476% | 752 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0009% | 5,885 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2194% | 585 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6924% | 871 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1534% | 3,764 |
| 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 | 1.8936% | 271 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 13 |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2767% | 2,081 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2145% | 864 |
| Percentage Net Loans Charged-off:Construction & development | 0.1865% | 377 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0359% | 1,278 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3052% | 636 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0031% | 646 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4137% | 480 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4828% | 2,173 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2840% | 4,939 |
| 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 | 0.8698% | 625 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 27 |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2341% | 2,060 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2331% | 682 |
| Percentage Net Loans Charged-off:Construction & development | 0.0700% | 447 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0507% | 932 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3610% | 474 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4816% | 368 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4222% | 1,932 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0110% | 7,787 |
| 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 | 0.8226% | 559 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2181% | 2,096 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2503% | 616 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0844% | 670 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3913% | 434 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0013% | 5,894 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5154% | 335 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0950% | 2,595 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0195% | 7,625 |
| 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 | 0.8980% | 477 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 19 |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2258% | 1,802 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2513% | 524 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4064% | 382 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0014% | 5,876 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5313% | 297 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,138 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0238% | 4,659 |
| 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 | 1.1263% | 374 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 12 |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2878% | 2,571 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3173% | 675 |
| Percentage Net Loans Charged-off:Construction & development | -0.0110% | 7,965 |
| 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 | 0.5102% | 439 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0016% | 637 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6499% | 341 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0127% | 4,679 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1919% | 5,936 |
| 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 | 0.6985% | 852 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 56 |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3155% | 2,042 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3558% | 513 |
| Percentage Net Loans Charged-off:Construction & development | -0.0144% | 7,965 |
| 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 | 0.5711% | 312 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0050% | 505 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7244% | 262 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0171% | 4,062 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2258% | 5,279 |
| 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 | 0.5549% | 830 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 45 |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3246% | 1,909 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3851% | 455 |
| Percentage Net Loans Charged-off:Construction & development | -0.0224% | 7,952 |
| 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 | 0.6184% | 289 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0018% | 5,882 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7796% | 230 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0022% | 7,294 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1868% | 5,071 |
| 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 | 0.5356% | 765 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 37 |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3746% | 1,459 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4254% | 369 |
| Percentage Net Loans Charged-off:Construction & development | -0.0457% | 7,940 |
| 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 | 0.6848% | 254 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0252% | 258 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8535% | 189 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0044% | 7,234 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2930% | 3,893 |
| 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 | 0.5905% | 571 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4120% | 2,024 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4666% | 457 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0513% | 8,744 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7044% | 270 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0444% | 511 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8278% | 217 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1581% | 3,949 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2145% | 5,923 |
| 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 | 0.7935% | 817 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 51 |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6848% | 1,137 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7415% | 237 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8348% | 292 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8411% | 198 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0293% | 534 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9283% | 176 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3194% | 1,442 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2287% | 5,803 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 2,107 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4237% | 1,072 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 74 |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8131% | 740 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5475% | 37 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0745% | 209 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6761% | 43 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0684% | 254 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7288% | 40 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.7989% | 19 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1340% | 1,202 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4753% | 649 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2928% | 207 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4918% | 1,388 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3869% | 57 |
| Percentage Net Loans Charged-off:Construction & development | 0.3545% | 62 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0554% | 1,342 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4590% | 60 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0702% | 259 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4954% | 55 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.9236% | 54 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1694% | 1,190 |
| Percentage Net Loans Charged-off: Credit card loans | 3.1764% | 311 |
| 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 | 0.0000% | 23 |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2031% | 3,439 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1885% | 148 |
| Percentage Net Loans Charged-off:Construction & development | -0.0164% | 1,275 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6847% | 50 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1289% | 231 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1450% | 190 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2124% | 603 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2766% | 1,048 |
| Percentage Net Loans Charged-off: Credit card loans | 3.0218% | 406 |
| 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 | 0.0000% | 24 |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1377% | 4,763 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1298% | 273 |
| Percentage Net Loans Charged-off:Construction & development | 0.2438% | 112 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2432% | 156 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0932% | 356 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0474% | 327 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1018% | 298 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.4956% | 1,354 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3412% | 1,029 |
| Percentage Net Loans Charged-off: Credit card loans | 2.8315% | 494 |
| 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 | 0.0000% | 31 |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4030% | 2,210 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0683% | 528 |
| Percentage Net Loans Charged-off:Construction & development | 0.0293% | 243 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0015% | 552 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0951% | 390 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2493% | 148 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0583% | 480 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.4850% | 42 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3369% | 1,054 |
| Percentage Net Loans Charged-off: Credit card loans | 4.5822% | 235 |
| 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 | -11.6201% | 535 |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0680% | 6,452 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0274% | 790 |
| Percentage Net Loans Charged-off:Construction & development | 0.0517% | 281 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0006% | 1,153 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0322% | 656 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0664% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0255% | 676 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2163% | 501 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1836% | 1,138 |
| Percentage Net Loans Charged-off: Credit card loans | 3.1258% | 292 |
| 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 | 0.0000% | 48 |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0045% | 8,779 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0582% | 704 |
| Percentage Net Loans Charged-off:Construction & development | -0.6324% | 1,362 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4538% | 301 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0504% | 574 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0790% | 256 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0457% | 571 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2882% | 1,226 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1168% | 1,434 |
| Percentage Net Loans Charged-off: Credit card loans | 2.1308% | 387 |
| 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 | -15.9635% | 556 |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1122% | 6,845 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1037% | 740 |
| Percentage Net Loans Charged-off:Construction & development | -0.5860% | 1,406 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.0498% | 273 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0256% | 854 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0034% | 1,246 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0313% | 772 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.6576% | 1,358 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0002% | 401 |
| Percentage Net Loans Charged-off: Credit card loans | 4.1052% | 157 |
| 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 | -12.0220% | 531 |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2260% | 1,581 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4833% | 471 |
| Percentage Net Loans Charged-off:Construction & development | 1.9041% | 288 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4317% | 608 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 418 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0536% | 774 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0276% | 444 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0615% | 717 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5758% | 267 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2114% | 220 |
| Percentage Net Loans Charged-off: Credit card loans | 4.9616% | 171 |
| 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 | 3.5029% | 63 |