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Sand Ridge Bank, Net charge- offs to loans

2005-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0930%2,982
Percentage Net Loans Charged-off: Total real estate loans0.0514%1,499
Percentage Net Loans Charged-off:Construction & development0.0000%425
Percentage Net Loans Charged-off: Commercial real estate0.1174%491
Percentage Net Loans Charged-off: Multi-family residential0.0000%111
Percentage Net Loans Charged-off: 1-4 family residential0.0342%1,668
Percentage Net Loans Charged-off: Home equity loans0.2141%209
All other 1-4 family - Percent of loans charged-off, net0.0126%1,815
Percentage Net Loans Charged-off: Commercial and industrial-0.2222%7,729
Percentage Net Loans Charged-off: Loans to individuals0.8113%1,940
Percentage Net Loans Charged-off: Credit card loans2.9254%506
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,156
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%20
2005-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0844%2,649
Percentage Net Loans Charged-off: Total real estate loans0.0878%900
Percentage Net Loans Charged-off:Construction & development0.0000%235
Percentage Net Loans Charged-off: Commercial real estate0.2925%224
Percentage Net Loans Charged-off: Multi-family residential0.0000%61
Percentage Net Loans Charged-off: 1-4 family residential0.0249%1,294
Percentage Net Loans Charged-off: Home equity loans0.0000%338
All other 1-4 family - Percent of loans charged-off, net0.0278%1,166
Percentage Net Loans Charged-off: Commercial and industrial-0.5067%8,050
Percentage Net Loans Charged-off: Loans to individuals0.6104%2,249
Percentage Net Loans Charged-off: Credit card loans4.1349%326
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 RE0.0000%13
2004-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2546%2,243
Percentage Net Loans Charged-off: Total real estate loans0.1646%1,109
Percentage Net Loans Charged-off:Construction & development0.0000%758
Percentage Net Loans Charged-off: Commercial real estate0.2991%608
Percentage Net Loans Charged-off: Multi-family residential0.0000%197
Percentage Net Loans Charged-off: 1-4 family residential0.1324%1,322
Percentage Net Loans Charged-off: Home equity loans0.0000%657
All other 1-4 family - Percent of loans charged-off, net0.1474%1,220
Percentage Net Loans Charged-off: Commercial and industrial0.3863%2,439
Percentage Net Loans Charged-off: Loans to individuals1.0961%1,856
Percentage Net Loans Charged-off: Credit card loans4.1962%431
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,643
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%27
2004-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3044%1,624
Percentage Net Loans Charged-off: Total real estate loans0.2241%707
Percentage Net Loans Charged-off:Construction & development0.0000%604
Percentage Net Loans Charged-off: Commercial real estate0.4531%353
Percentage Net Loans Charged-off: Multi-family residential0.0000%155
Percentage Net Loans Charged-off: 1-4 family residential0.1633%963
Percentage Net Loans Charged-off: Home equity loans0.0000%554
All other 1-4 family - Percent of loans charged-off, net0.1816%899
Percentage Net Loans Charged-off: Commercial and industrial0.3272%2,173
Percentage Net Loans Charged-off: Loans to individuals1.1713%1,539
Percentage Net Loans Charged-off: Credit card loans4.5750%373
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,414
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%21
2004-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4094%1,168
Percentage Net Loans Charged-off: Total real estate loans0.2969%517
Percentage Net Loans Charged-off:Construction & development0.0000%464
Percentage Net Loans Charged-off: Commercial real estate0.5114%303
Percentage Net Loans Charged-off: Multi-family residential0.0000%116
Percentage Net Loans Charged-off: 1-4 family residential0.2485%666
Percentage Net Loans Charged-off: Home equity loans0.0000%431
All other 1-4 family - Percent of loans charged-off, net0.2758%620
Percentage Net Loans Charged-off: Commercial and industrial0.4024%1,760
Percentage Net Loans Charged-off: Loans to individuals1.6457%975
Percentage Net Loans Charged-off: Credit card loans5.1353%328
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,207
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%19
2004-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4515%1,010
Percentage Net Loans Charged-off: Total real estate loans0.2339%563
Percentage Net Loans Charged-off:Construction & development0.0000%286
Percentage Net Loans Charged-off: Commercial real estate0.1978%338
Percentage Net Loans Charged-off: Multi-family residential0.0000%70
Percentage Net Loans Charged-off: 1-4 family residential0.2713%538
Percentage Net Loans Charged-off: Home equity loans0.0000%291
All other 1-4 family - Percent of loans charged-off, net0.3008%481
Percentage Net Loans Charged-off: Commercial and industrial0.4342%1,249
Percentage Net Loans Charged-off: Loans to individuals2.6800%575
Percentage Net Loans Charged-off: Credit card loans4.9678%389
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%887
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%12
2003-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1636%3,834
Percentage Net Loans Charged-off: Total real estate loans0.0547%2,437
Percentage Net Loans Charged-off:Construction & development0.0000%836
Percentage Net Loans Charged-off: Commercial real estate0.2044%813
Percentage Net Loans Charged-off: Multi-family residential0.0000%186
Percentage Net Loans Charged-off: 1-4 family residential0.0036%3,371
Percentage Net Loans Charged-off: Home equity loans0.0000%639
All other 1-4 family - Percent of loans charged-off, net0.0039%3,186
Percentage Net Loans Charged-off: Commercial and industrial0.2841%3,305
Percentage Net Loans Charged-off: Loans to individuals0.9197%2,600
Percentage Net Loans Charged-off: Credit card loans3.5922%688
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.2080%1,322
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%56
2003-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0710%4,883
Percentage Net Loans Charged-off: Total real estate loans0.0595%2,011
Percentage Net Loans Charged-off:Construction & development0.0000%663
Percentage Net Loans Charged-off: Commercial real estate0.2157%653
Percentage Net Loans Charged-off: Multi-family residential0.0000%138
Percentage Net Loans Charged-off: 1-4 family residential0.0049%2,810
Percentage Net Loans Charged-off: Home equity loans0.0000%519
All other 1-4 family - Percent of loans charged-off, net0.0053%2,662
Percentage Net Loans Charged-off: Commercial and industrial-0.3853%8,359
Percentage Net Loans Charged-off: Loans to individuals0.7082%3,002
Percentage Net Loans Charged-off: Credit card loans3.7150%651
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.2585%1,107
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%45
2003-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0345%5,346
Percentage Net Loans Charged-off: Total real estate loans0.0720%1,606
Percentage Net Loans Charged-off:Construction & development0.0000%523
Percentage Net Loans Charged-off: Commercial real estate0.2302%538
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential0.0152%2,125
Percentage Net Loans Charged-off: Home equity loans0.0000%421
All other 1-4 family - Percent of loans charged-off, net0.0165%2,016
Percentage Net Loans Charged-off: Commercial and industrial-0.5329%8,433
Percentage Net Loans Charged-off: Loans to individuals0.3374%4,251
Percentage Net Loans Charged-off: Credit card loans1.0063%1,344
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.5992%732
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0084%5,283
Percentage Net Loans Charged-off: Total real estate loans0.0613%1,330
Percentage Net Loans Charged-off:Construction & development0.0000%326
Percentage Net Loans Charged-off: Commercial real estate0.2284%358
Percentage Net Loans Charged-off: Multi-family residential0.0000%56
Percentage Net Loans Charged-off: 1-4 family residential-0.0016%8,295
Percentage Net Loans Charged-off: Home equity loans-0.0208%5,878
All other 1-4 family - Percent of loans charged-off, net0.0000%1,550
Percentage Net Loans Charged-off: Commercial and industrial-0.6446%8,462
Percentage Net Loans Charged-off: Loans to individuals0.4341%3,385
Percentage Net Loans Charged-off: Credit card loans1.4476%997
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 loans-0.1021%9,056
Percentage Net Loans Charged-off: Total real estate loans0.0408%2,751
Percentage Net Loans Charged-off:Construction & development0.0000%875
Percentage Net Loans Charged-off: Commercial real estate0.0931%1,093
Percentage Net Loans Charged-off: Multi-family residential0.0000%189
Percentage Net Loans Charged-off: 1-4 family residential0.0202%2,884
Percentage Net Loans Charged-off: Home equity loans0.0000%614
All other 1-4 family - Percent of loans charged-off, net0.0218%2,723
Percentage Net Loans Charged-off: Commercial and industrial-2.4372%8,807
Percentage Net Loans Charged-off: Loans to individuals1.0671%2,212
Percentage Net Loans Charged-off: Credit card loans4.6672%562
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0514%1,775
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2001-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.9525%752
Percentage Net Loans Charged-off: Total real estate loans0.2269%874
Percentage Net Loans Charged-off:Construction & development0.0000%831
Percentage Net Loans Charged-off: Commercial real estate0.6400%368
Percentage Net Loans Charged-off: Multi-family residential0.0000%192
Percentage Net Loans Charged-off: 1-4 family residential0.0089%3,015
Percentage Net Loans Charged-off: Home equity loans0.0000%610
All other 1-4 family - Percent of loans charged-off, net0.0096%2,830
Percentage Net Loans Charged-off: Commercial and industrial5.1695%335
Percentage Net Loans Charged-off: Loans to individuals1.3946%1,429
Percentage Net Loans Charged-off: Credit card loans7.0568%248
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 loans0.8778%672
Percentage Net Loans Charged-off: Total real estate loans0.0256%597
Percentage Net Loans Charged-off:Construction & development0.0000%266
Percentage Net Loans Charged-off: Commercial real estate0.0579%245
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential0.0112%739
Percentage Net Loans Charged-off: Home equity loans0.1446%176
All other 1-4 family - Percent of loans charged-off, net0.0025%808
Percentage Net Loans Charged-off: Commercial and industrial5.7392%29
Percentage Net Loans Charged-off: Loans to individuals0.4491%830
Percentage Net Loans Charged-off: Credit card loans2.6275%380
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%385
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1999-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0534%5,959
Percentage Net Loans Charged-off: Total real estate loans0.0202%700
Percentage Net Loans Charged-off:Construction & development0.0000%250
Percentage Net Loans Charged-off: Commercial real estate0.0721%233
Percentage Net Loans Charged-off: Multi-family residential0.0000%120
Percentage Net Loans Charged-off: 1-4 family residential0.0000%995
Percentage Net Loans Charged-off: Home equity loans0.0000%369
All other 1-4 family - Percent of loans charged-off, net0.0000%944
Percentage Net Loans Charged-off: Commercial and industrial-0.3411%1,421
Percentage Net Loans Charged-off: Loans to individuals0.7014%636
Percentage Net Loans Charged-off: Credit card loans3.0168%337
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%415
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%23
1998-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4021%1,856
Percentage Net Loans Charged-off: Total real estate loans-0.0093%1,275
Percentage Net Loans Charged-off:Construction & development0.0000%229
Percentage Net Loans Charged-off: Commercial real estate-0.0320%1,226
Percentage Net Loans Charged-off: Multi-family residential0.0000%151
Percentage Net Loans Charged-off: 1-4 family residential-0.0007%1,235
Percentage Net Loans Charged-off: Home equity loans0.0000%385
All other 1-4 family - Percent of loans charged-off, net-0.0008%1,234
Percentage Net Loans Charged-off: Commercial and industrial1.8156%87
Percentage Net Loans Charged-off: Loans to individuals0.7202%668
Percentage Net Loans Charged-off: Credit card loans3.6855%317
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%409
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%24
1997-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3440%2,385
Percentage Net Loans Charged-off: Total real estate loans-0.0242%1,326
Percentage Net Loans Charged-off:Construction & development0.0000%260
Percentage Net Loans Charged-off: Commercial real estate-0.0691%1,278
Percentage Net Loans Charged-off: Multi-family residential0.0000%192
Percentage Net Loans Charged-off: 1-4 family residential-0.0063%1,299
Percentage Net Loans Charged-off: Home equity loans0.0000%396
All other 1-4 family - Percent of loans charged-off, net-0.0068%1,305
Percentage Net Loans Charged-off: Commercial and industrial1.3614%115
Percentage Net Loans Charged-off: Loans to individuals0.6552%764
Percentage Net Loans Charged-off: Credit card loans2.9880%455
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%386
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%31
1996-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.9654%756
Percentage Net Loans Charged-off: Total real estate loans0.0006%1,041
Percentage Net Loans Charged-off:Construction & development0.0000%284
Percentage Net Loans Charged-off: Commercial real estate-0.0210%1,225
Percentage Net Loans Charged-off: Multi-family residential0.0000%233
Percentage Net Loans Charged-off: 1-4 family residential0.0122%858
Percentage Net Loans Charged-off: Home equity loans0.0000%412
All other 1-4 family - Percent of loans charged-off, net0.0130%805
Percentage Net Loans Charged-off: Commercial and industrial5.0228%29
Percentage Net Loans Charged-off: Loans to individuals0.5858%823
Percentage Net Loans Charged-off: Credit card loans1.8279%689
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%444
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%34
1995-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1006%5,616
Percentage Net Loans Charged-off: Total real estate loans0.0181%851
Percentage Net Loans Charged-off:Construction & development0.0000%344
Percentage Net Loans Charged-off: Commercial real estate0.0550%517
Percentage Net Loans Charged-off: Multi-family residential0.0000%281
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,034
Percentage Net Loans Charged-off: Home equity loans0.0000%403
All other 1-4 family - Percent of loans charged-off, net0.0000%989
Percentage Net Loans Charged-off: Commercial and industrial-0.1474%1,217
Percentage Net Loans Charged-off: Loans to individuals0.5432%738
Percentage Net Loans Charged-off: Credit card loans0.6245%922
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%433
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1994-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2944%3,041
Percentage Net Loans Charged-off: Total real estate loans0.0528%724
Percentage Net Loans Charged-off:Construction & development0.0000%353
Percentage Net Loans Charged-off: Commercial real estate0.1706%438
Percentage Net Loans Charged-off: Multi-family residential0.0000%332
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,024
Percentage Net Loans Charged-off: Home equity loans0.0000%393
All other 1-4 family - Percent of loans charged-off, net0.0000%974
Percentage Net Loans Charged-off: Commercial and industrial1.1614%183
Percentage Net Loans Charged-off: Loans to individuals0.2966%862
Percentage Net Loans Charged-off: Credit card loans0.0000%989
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%371
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1993-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1260%6,583
Percentage Net Loans Charged-off: Total real estate loans0.0860%798
Percentage Net Loans Charged-off:Construction & development0.0000%485
Percentage Net Loans Charged-off: Commercial real estate0.3125%504
Percentage Net Loans Charged-off: Multi-family residential0.0000%368
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,114
Percentage Net Loans Charged-off: Home equity loans0.0000%462
All other 1-4 family - Percent of loans charged-off, net0.0000%1,053
Percentage Net Loans Charged-off: Commercial and industrial0.2682%691
Percentage Net Loans Charged-off: Loans to individuals0.1204%1,177
Percentage Net Loans Charged-off: Credit card loans0.5200%906
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%423
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1992-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4551%4,605
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