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ShoreBank, Net charge- offs to loans

2010-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans3.1309%497
Percentage Net Loans Charged-off: Total real estate loans3.6533%366
Percentage Net Loans Charged-off:Construction & development3.1806%1,335
Percentage Net Loans Charged-off: Commercial real estate3.0158%340
Percentage Net Loans Charged-off: Multi-family residential5.8584%183
Percentage Net Loans Charged-off: 1-4 family residential1.9778%598
Percentage Net Loans Charged-off: Home equity loans9.6443%68
All other 1-4 family - Percent of loans charged-off, net1.7830%705
Percentage Net Loans Charged-off: Commercial and industrial0.9568%2,054
Percentage Net Loans Charged-off: Loans to individuals-0.5043%7,377
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 loans3.5910%388
Percentage Net Loans Charged-off: Total real estate loans4.4111%250
Percentage Net Loans Charged-off:Construction & development0.0000%2,022
Percentage Net Loans Charged-off: Commercial real estate0.7735%896
Percentage Net Loans Charged-off: Multi-family residential10.8645%86
Percentage Net Loans Charged-off: 1-4 family residential2.7360%387
Percentage Net Loans Charged-off: Home equity loans0.0000%974
All other 1-4 family - Percent of loans charged-off, net2.8070%402
Percentage Net Loans Charged-off: Commercial and industrial0.1386%2,503
Percentage Net Loans Charged-off: Loans to individuals-0.9119%7,513
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 loans4.4813%329
Percentage Net Loans Charged-off: Total real estate loans4.6420%280
Percentage Net Loans Charged-off:Construction & development5.4965%1,131
Percentage Net Loans Charged-off: Commercial real estate4.5656%180
Percentage Net Loans Charged-off: Multi-family residential3.5210%313
Percentage Net Loans Charged-off: 1-4 family residential5.4738%146
Percentage Net Loans Charged-off: Home equity loans0.0000%1,916
All other 1-4 family - Percent of loans charged-off, net5.6299%169
Percentage Net Loans Charged-off: Commercial and industrial3.8246%1,047
Percentage Net Loans Charged-off: Loans to individuals6.0879%298
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 loans2.3665%783
Percentage Net Loans Charged-off: Total real estate loans2.7301%564
Percentage Net Loans Charged-off:Construction & development4.5592%1,063
Percentage Net Loans Charged-off: Commercial real estate2.4352%337
Percentage Net Loans Charged-off: Multi-family residential1.0084%419
Percentage Net Loans Charged-off: 1-4 family residential3.7576%245
Percentage Net Loans Charged-off: Home equity loans0.0000%1,611
All other 1-4 family - Percent of loans charged-off, net3.8667%262
Percentage Net Loans Charged-off: Commercial and industrial0.9105%2,478
Percentage Net Loans Charged-off: Loans to individuals4.0256%509
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 loans2.8053%587
Percentage Net Loans Charged-off: Total real estate loans3.1928%416
Percentage Net Loans Charged-off:Construction & development6.2990%693
Percentage Net Loans Charged-off: Commercial real estate3.4700%195
Percentage Net Loans Charged-off: Multi-family residential1.3235%284
Percentage Net Loans Charged-off: 1-4 family residential2.7118%357
Percentage Net Loans Charged-off: Home equity loans0.0000%1,287
All other 1-4 family - Percent of loans charged-off, net2.7908%352
Percentage Net Loans Charged-off: Commercial and industrial1.2930%1,731
Percentage Net Loans Charged-off: Loans to individuals1.3485%1,789
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 loans0.7886%1,633
Percentage Net Loans Charged-off: Total real estate loans0.8710%1,126
Percentage Net Loans Charged-off:Construction & development1.2666%1,143
Percentage Net Loans Charged-off: Commercial real estate0.2362%908
Percentage Net Loans Charged-off: Multi-family residential1.3429%175
Percentage Net Loans Charged-off: 1-4 family residential0.6065%1,080
Percentage Net Loans Charged-off: Home equity loans0.0000%827
All other 1-4 family - Percent of loans charged-off, net0.6242%996
Percentage Net Loans Charged-off: Commercial and industrial0.4442%1,935
Percentage Net Loans Charged-off: Loans to individuals2.6538%825
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 loans0.5680%2,111
Percentage Net Loans Charged-off: Total real estate loans0.5765%1,503
Percentage Net Loans Charged-off:Construction & development1.3826%1,345
Percentage Net Loans Charged-off: Commercial real estate0.1352%1,610
Percentage Net Loans Charged-off: Multi-family residential0.4862%363
Percentage Net Loans Charged-off: 1-4 family residential0.4708%1,264
Percentage Net Loans Charged-off: Home equity loans0.0000%1,398
All other 1-4 family - Percent of loans charged-off, net0.4853%1,165
Percentage Net Loans Charged-off: Commercial and industrial0.5364%2,618
Percentage Net Loans Charged-off: Loans to individuals0.3465%4,329
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 loans0.4977%1,688
Percentage Net Loans Charged-off: Total real estate loans0.5146%1,137
Percentage Net Loans Charged-off:Construction & development0.7699%1,229
Percentage Net Loans Charged-off: Commercial real estate0.1345%1,125
Percentage Net Loans Charged-off: Multi-family residential0.6297%223
Percentage Net Loans Charged-off: 1-4 family residential0.5606%830
Percentage Net Loans Charged-off: Home equity loans0.0000%1,108
All other 1-4 family - Percent of loans charged-off, net0.5780%752
Percentage Net Loans Charged-off: Commercial and industrial0.4310%2,187
Percentage Net Loans Charged-off: Loans to individuals0.0000%5,434
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 loans0.4079%1,653
Percentage Net Loans Charged-off: Total real estate loans0.4162%1,063
Percentage Net Loans Charged-off:Construction & development0.7175%890
Percentage Net Loans Charged-off: Commercial real estate0.0972%946
Percentage Net Loans Charged-off: Multi-family residential0.5668%142
Percentage Net Loans Charged-off: 1-4 family residential0.2938%1,154
Percentage Net Loans Charged-off: Home equity loans0.0000%889
All other 1-4 family - Percent of loans charged-off, net0.3032%1,038
Percentage Net Loans Charged-off: Commercial and industrial0.3781%1,862
Percentage Net Loans Charged-off: Loans to individuals0.0000%4,890
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 loans0.2246%2,011
Percentage Net Loans Charged-off: Total real estate loans0.2675%1,049
Percentage Net Loans Charged-off:Construction & development0.1797%862
Percentage Net Loans Charged-off: Commercial real estate0.1384%537
Percentage Net Loans Charged-off: Multi-family residential0.4688%94
Percentage Net Loans Charged-off: 1-4 family residential0.2164%1,014
Percentage Net Loans Charged-off: Home equity loans0.0000%563
All other 1-4 family - Percent of loans charged-off, net0.2237%917
Percentage Net Loans Charged-off: Commercial and industrial0.0340%2,063
Percentage Net Loans Charged-off: Loans to individuals0.0000%3,977
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 loans0.5242%1,035
Percentage Net Loans Charged-off: Total real estate loans0.6448%414
Percentage Net Loans Charged-off:Construction & development0.0450%1,359
Percentage Net Loans Charged-off: Commercial real estate1.3117%185
Percentage Net Loans Charged-off: Multi-family residential0.7385%142
Percentage Net Loans Charged-off: 1-4 family residential0.3146%853
Percentage Net Loans Charged-off: Home equity loans0.0000%938
All other 1-4 family - Percent of loans charged-off, net0.3266%810
Percentage Net Loans Charged-off: Commercial and industrial0.6435%1,611
Percentage Net Loans Charged-off: Loans to individuals-0.0987%7,738
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 loans0.4644%854
Percentage Net Loans Charged-off: Total real estate loans0.3988%432
Percentage Net Loans Charged-off:Construction & development0.0064%1,066
Percentage Net Loans Charged-off: Commercial real estate0.5112%275
Percentage Net Loans Charged-off: Multi-family residential0.6618%93
Percentage Net Loans Charged-off: 1-4 family residential0.2789%713
Percentage Net Loans Charged-off: Home equity loans0.0000%720
All other 1-4 family - Percent of loans charged-off, net0.2898%671
Percentage Net Loans Charged-off: Commercial and industrial0.7234%1,181
Percentage Net Loans Charged-off: Loans to individuals-0.3432%8,001
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 loans0.2842%1,266
Percentage Net Loans Charged-off: Total real estate loans0.1452%947
Percentage Net Loans Charged-off:Construction & development-0.0420%7,665
Percentage Net Loans Charged-off: Commercial real estate-0.0645%8,089
Percentage Net Loans Charged-off: Multi-family residential0.4223%84
Percentage Net Loans Charged-off: 1-4 family residential0.1686%882
Percentage Net Loans Charged-off: Home equity loans0.0000%541
All other 1-4 family - Percent of loans charged-off, net0.1753%804
Percentage Net Loans Charged-off: Commercial and industrial0.7889%926
Percentage Net Loans Charged-off: Loans to individuals-0.5014%8,049
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 loans0.1403%1,801
Percentage Net Loans Charged-off: Total real estate loans0.1820%608
Percentage Net Loans Charged-off:Construction & development0.0365%374
Percentage Net Loans Charged-off: Commercial real estate-0.1896%8,231
Percentage Net Loans Charged-off: Multi-family residential0.5606%44
Percentage Net Loans Charged-off: 1-4 family residential0.1489%751
Percentage Net Loans Charged-off: Home equity loans0.0000%371
All other 1-4 family - Percent of loans charged-off, net0.1546%690
Percentage Net Loans Charged-off: Commercial and industrial0.0224%1,779
Percentage Net Loans Charged-off: Loans to individuals-1.1859%8,255
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 loans0.1349%2,683
Percentage Net Loans Charged-off: Total real estate loans0.0832%1,492
Percentage Net Loans Charged-off:Construction & development0.1719%387
Percentage Net Loans Charged-off: Commercial real estate0.0497%970
Percentage Net Loans Charged-off: Multi-family residential-0.0006%6,237
Percentage Net Loans Charged-off: 1-4 family residential0.1629%982
Percentage Net Loans Charged-off: Home equity loans0.0000%709
All other 1-4 family - Percent of loans charged-off, net0.1679%942
Percentage Net Loans Charged-off: Commercial and industrial0.3437%1,998
Percentage Net Loans Charged-off: Loans to individuals-1.3509%8,416
Percentage Net Loans Charged-off: Credit card loans0.0000%1,256
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 loans0.1093%2,556
Percentage Net Loans Charged-off: Total real estate loans0.0642%1,424
Percentage Net Loans Charged-off:Construction & development0.1032%358
Percentage Net Loans Charged-off: Commercial real estate-0.0091%7,933
Percentage Net Loans Charged-off: Multi-family residential0.0578%122
Percentage Net Loans Charged-off: 1-4 family residential0.1046%1,149
Percentage Net Loans Charged-off: Home equity loans0.0000%550
All other 1-4 family - Percent of loans charged-off, net0.1078%1,096
Percentage Net Loans Charged-off: Commercial and industrial0.3018%1,693
Percentage Net Loans Charged-off: Loans to individuals-1.1189%8,425
Percentage Net Loans Charged-off: Credit card loans0.0000%1,137
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 loans0.0679%3,039
Percentage Net Loans Charged-off: Total real estate loans-0.0298%8,107
Percentage Net Loans Charged-off:Construction & development-0.0223%7,720
Percentage Net Loans Charged-off: Commercial real estate0.0335%662
Percentage Net Loans Charged-off: Multi-family residential-0.1452%6,234
Percentage Net Loans Charged-off: 1-4 family residential0.0985%1,046
Percentage Net Loans Charged-off: Home equity loans0.0000%426
All other 1-4 family - Percent of loans charged-off, net0.1015%987
Percentage Net Loans Charged-off: Commercial and industrial0.4677%1,190
Percentage Net Loans Charged-off: Loans to individuals-0.4305%8,075
Percentage Net Loans Charged-off: Credit card loans0.0000%1,005
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-0.1530%8,282
Percentage Net Loans Charged-off: Total real estate loans-0.1969%8,509
Percentage Net Loans Charged-off:Construction & development0.0000%268
Percentage Net Loans Charged-off: Commercial real estate-0.0025%7,989
Percentage Net Loans Charged-off: Multi-family residential-0.5687%6,187
Percentage Net Loans Charged-off: 1-4 family residential0.0753%858
Percentage Net Loans Charged-off: Home equity loans0.0000%311
All other 1-4 family - Percent of loans charged-off, net0.0774%799
Percentage Net Loans Charged-off: Commercial and industrial0.0352%1,612
Percentage Net Loans Charged-off: Loans to individuals-0.8096%8,178
Percentage Net Loans Charged-off: Credit card loans0.0000%826
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 loans0.1735%2,585
Percentage Net Loans Charged-off: Total real estate loans0.1769%772
Percentage Net Loans Charged-off:Construction & development0.0295%562
Percentage Net Loans Charged-off: Commercial real estate0.2443%514
Percentage Net Loans Charged-off: Multi-family residential0.2740%114
Percentage Net Loans Charged-off: 1-4 family residential0.1135%1,319
Percentage Net Loans Charged-off: Home equity loans0.0000%682
All other 1-4 family - Percent of loans charged-off, net0.1163%1,279
Percentage Net Loans Charged-off: Commercial and industrial0.1916%2,825
Percentage Net Loans Charged-off: Loans to individuals-1.7465%8,604
Percentage Net Loans Charged-off: Credit card loans0.0000%1,459
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 loans0.1284%2,725
Percentage Net Loans Charged-off: Total real estate loans0.0997%1,128
Percentage Net Loans Charged-off:Construction & development0.0397%412
Percentage Net Loans Charged-off: Commercial real estate0.0079%977
Percentage Net Loans Charged-off: Multi-family residential0.2092%91
Percentage Net Loans Charged-off: 1-4 family residential0.0579%1,638
Percentage Net Loans Charged-off: Home equity loans0.0000%562
All other 1-4 family - Percent of loans charged-off, net0.0593%1,544
Percentage Net Loans Charged-off: Commercial and industrial0.2764%2,065
Percentage Net Loans Charged-off: Loans to individuals-2.3923%8,637
Percentage Net Loans Charged-off: Credit card loans0.0000%1,324
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,405
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0915%3,000
Percentage Net Loans Charged-off: Total real estate loans0.0350%1,708
Percentage Net Loans Charged-off:Construction & development0.0617%297
Percentage Net Loans Charged-off: Commercial real estate0.0017%800
Percentage Net Loans Charged-off: Multi-family residential0.0200%97
Percentage Net Loans Charged-off: 1-4 family residential0.0531%1,472
Percentage Net Loans Charged-off: Home equity loans0.0000%450
All other 1-4 family - Percent of loans charged-off, net0.0540%1,398
Percentage Net Loans Charged-off: Commercial and industrial0.3597%1,626
Percentage Net Loans Charged-off: Loans to individuals-3.0191%8,654
Percentage Net Loans Charged-off: Credit card loans0.0000%1,186
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 RENANA
2005-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.2029%8,499
Percentage Net Loans Charged-off: Total real estate loans0.0592%1,081
Percentage Net Loans Charged-off:Construction & development0.0000%235
Percentage Net Loans Charged-off: Commercial real estate0.1008%351
Percentage Net Loans Charged-off: Multi-family residential0.1982%35
Percentage Net Loans Charged-off: 1-4 family residential-0.1040%8,489
Percentage Net Loans Charged-off: Home equity loans0.0000%338
All other 1-4 family - Percent of loans charged-off, net-0.1057%8,467
Percentage Net Loans Charged-off: Commercial and industrial-1.1514%8,263
Percentage Net Loans Charged-off: Loans to individuals-0.2418%7,769
Percentage Net Loans Charged-off: Credit card loans0.0000%922
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 loans0.3649%1,566
Percentage Net Loans Charged-off: Total real estate loans0.1934%967
Percentage Net Loans Charged-off:Construction & development0.0000%758
Percentage Net Loans Charged-off: Commercial real estate0.6414%362
Percentage Net Loans Charged-off: Multi-family residential0.1773%123
Percentage Net Loans Charged-off: 1-4 family residential0.1432%1,251
Percentage Net Loans Charged-off: Home equity loans0.0000%657
All other 1-4 family - Percent of loans charged-off, net0.1449%1,235
Percentage Net Loans Charged-off: Commercial and industrial0.8323%1,548
Percentage Net Loans Charged-off: Loans to individuals1.6566%1,038
Percentage Net Loans Charged-off: Credit card loans0.0000%1,629
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 loans0.3502%1,428
Percentage Net Loans Charged-off: Total real estate loans0.1840%863
Percentage Net Loans Charged-off:Construction & development0.0000%604
Percentage Net Loans Charged-off: Commercial real estate0.5620%311
Percentage Net Loans Charged-off: Multi-family residential0.1433%104
Percentage Net Loans Charged-off: 1-4 family residential0.1884%872
Percentage Net Loans Charged-off: Home equity loans0.0000%554
All other 1-4 family - Percent of loans charged-off, net0.1904%865
Percentage Net Loans Charged-off: Commercial and industrial0.8347%1,301
Percentage Net Loans Charged-off: Loans to individuals-0.9239%8,702
Percentage Net Loans Charged-off: Credit card loans0.0000%1,504
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 loans0.2710%1,721
Percentage Net Loans Charged-off: Total real estate loans0.1595%927
Percentage Net Loans Charged-off:Construction & development0.0000%464
Percentage Net Loans Charged-off: Commercial real estate0.8449%210
Percentage Net Loans Charged-off: Multi-family residential-0.0140%6,313
Percentage Net Loans Charged-off: 1-4 family residential0.1861%827
Percentage Net Loans Charged-off: Home equity loans0.0000%431
All other 1-4 family - Percent of loans charged-off, net0.1879%794
Percentage Net Loans Charged-off: Commercial and industrial0.5867%1,479
Percentage Net Loans Charged-off: Loans to individuals-0.2988%8,332
Percentage Net Loans Charged-off: Credit card loans0.0000%1,362
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 loans0.1552%2,292
Percentage Net Loans Charged-off: Total real estate loans0.0750%1,153
Percentage Net Loans Charged-off:Construction & development0.0000%286
Percentage Net Loans Charged-off: Commercial real estate0.1534%365
Percentage Net Loans Charged-off: Multi-family residential0.0199%68
Percentage Net Loans Charged-off: 1-4 family residential0.1487%797
Percentage Net Loans Charged-off: Home equity loans0.0000%291
All other 1-4 family - Percent of loans charged-off, net0.1501%753
Percentage Net Loans Charged-off: Commercial and industrial0.3705%1,317
Percentage Net Loans Charged-off: Loans to individuals0.1626%4,109
Percentage Net Loans Charged-off: Credit card loans0.0000%1,093
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 loans0.5696%1,271
Percentage Net Loans Charged-off: Total real estate loans0.1519%1,400
Percentage Net Loans Charged-off:Construction & development0.0795%625
Percentage Net Loans Charged-off: Commercial real estate0.0598%1,247
Percentage Net Loans Charged-off: Multi-family residential0.2278%115
Percentage Net Loans Charged-off: 1-4 family residential0.1138%1,649
Percentage Net Loans Charged-off: Home equity loans0.0000%639
All other 1-4 family - Percent of loans charged-off, net0.1149%1,626
Percentage Net Loans Charged-off: Commercial and industrial1.3346%1,353
Percentage Net Loans Charged-off: Loans to individuals8.5901%72
Percentage Net Loans Charged-off: Credit card loans0.0000%1,842
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,856
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.6785%876
Percentage Net Loans Charged-off: Total real estate loans0.1712%1,062
Percentage Net Loans Charged-off:Construction & development0.1176%452
Percentage Net Loans Charged-off: Commercial real estate0.0117%1,198
Percentage Net Loans Charged-off: Multi-family residential0.2843%79
Percentage Net Loans Charged-off: 1-4 family residential0.1010%1,464
Percentage Net Loans Charged-off: Home equity loans0.0000%519
All other 1-4 family - Percent of loans charged-off, net0.1020%1,438
Percentage Net Loans Charged-off: Commercial and industrial1.5682%980
Percentage Net Loans Charged-off: Loans to individuals10.2320%49
Percentage Net Loans Charged-off: Credit card loans0.0000%1,741
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 loans0.3948%1,571
Percentage Net Loans Charged-off: Total real estate loans0.1709%984
Percentage Net Loans Charged-off:Construction & development0.1984%322
Percentage Net Loans Charged-off: Commercial real estate-0.0310%8,617
Percentage Net Loans Charged-off: Multi-family residential0.3518%51
Percentage Net Loans Charged-off: 1-4 family residential-0.0034%8,211
Percentage Net Loans Charged-off: Home equity loans0.0000%421
All other 1-4 family - Percent of loans charged-off, net-0.0034%8,240
Percentage Net Loans Charged-off: Commercial and industrial0.8004%1,515
Percentage Net Loans Charged-off: Loans to individuals3.7415%304
Percentage Net Loans Charged-off: Credit card loans0.0000%1,566
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 loans0.0086%5,272
Percentage Net Loans Charged-off: Total real estate loans-0.0093%8,343
Percentage Net Loans Charged-off:Construction & development0.4487%158
Percentage Net Loans Charged-off: Commercial real estate-0.0667%8,773
Percentage Net Loans Charged-off: Multi-family residential-0.0391%6,360
Percentage Net Loans Charged-off: 1-4 family residential-0.0666%8,792
Percentage Net Loans Charged-off: Home equity loans0.0000%277
All other 1-4 family - Percent of loans charged-off, net-0.0672%8,794
Percentage Net Loans Charged-off: Commercial and industrial-0.0960%7,777
Percentage Net Loans Charged-off: Loans to individuals3.4053%420
Percentage Net Loans Charged-off: Credit card loans0.0000%1,250
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 loans0.3441%2,422
Percentage Net Loans Charged-off: Total real estate loans0.2093%1,029
Percentage Net Loans Charged-off:Construction & development1.1354%211
Percentage Net Loans Charged-off: Commercial real estate1.2696%228
Percentage Net Loans Charged-off: Multi-family residential0.1722%128
Percentage Net Loans Charged-off: 1-4 family residential-0.0152%8,571
Percentage Net Loans Charged-off: Home equity loans0.0000%614
All other 1-4 family - Percent of loans charged-off, net-0.0154%8,562
Percentage Net Loans Charged-off: Commercial and industrial0.4944%2,829
Percentage Net Loans Charged-off: Loans to individuals3.1755%415
Percentage Net Loans Charged-off: Credit card loans0.0000%1,947
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,956
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2001-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.5132%1,582
Percentage Net Loans Charged-off: Total real estate loans0.2358%835
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 residential0.3106%114
Percentage Net Loans Charged-off: 1-4 family residential0.1269%1,315
Percentage Net Loans Charged-off: Home equity loans0.0000%610
All other 1-4 family - Percent of loans charged-off, net0.1284%1,275
Percentage Net Loans Charged-off: Commercial and industrial0.8621%2,009
Percentage Net Loans Charged-off: Loans to individuals3.2300%381
Percentage Net Loans Charged-off: Credit card loans0.0000%2,107
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 loans0.3782%1,784
Percentage Net Loans Charged-off: Total real estate loans0.3304%70
Percentage Net Loans Charged-off:Construction & development0.0000%266
Percentage Net Loans Charged-off: Commercial real estate0.0000%426
Percentage Net Loans Charged-off: Multi-family residential0.4582%35
Percentage Net Loans Charged-off: 1-4 family residential0.1197%212
Percentage Net Loans Charged-off: Home equity loans0.0000%364
All other 1-4 family - Percent of loans charged-off, net0.1203%212
Percentage Net Loans Charged-off: Commercial and industrial0.1537%753
Percentage Net Loans Charged-off: Loans to individuals4.2891%75
Percentage Net Loans Charged-off: Credit card loans0.0000%977
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 loans0.2807%2,435
Percentage Net Loans Charged-off: Total real estate loans0.3526%63
Percentage Net Loans Charged-off:Construction & development0.0000%250
Percentage Net Loans Charged-off: Commercial real estate0.3606%73
Percentage Net Loans Charged-off: Multi-family residential0.5438%37
Percentage Net Loans Charged-off: 1-4 family residential0.0552%473
Percentage Net Loans Charged-off: Home equity loans0.0000%369
All other 1-4 family - Percent of loans charged-off, net0.0553%438
Percentage Net Loans Charged-off: Commercial and industrial0.0263%923
Percentage Net Loans Charged-off: Loans to individuals1.7793%217
Percentage Net Loans Charged-off: Credit card loans0.0000%985
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 RENANA
1998-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3427%2,181
Percentage Net Loans Charged-off: Total real estate loans0.2134%128
Percentage Net Loans Charged-off:Construction & development0.0000%229
Percentage Net Loans Charged-off: Commercial real estate0.1453%204
Percentage Net Loans Charged-off: Multi-family residential0.2890%73
Percentage Net Loans Charged-off: 1-4 family residential0.0974%297
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net0.0974%269
Percentage Net Loans Charged-off: Commercial and industrial0.4487%381
Percentage Net Loans Charged-off: Loans to individuals1.0924%439
Percentage Net Loans Charged-off: Credit card loans4.5732%205
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 RENANA
1997-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3611%2,260
Percentage Net Loans Charged-off: Total real estate loans0.5173%48
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estate0.0000%477
Percentage Net Loans Charged-off: Multi-family residential0.6973%56
Percentage Net Loans Charged-off: 1-4 family residential0.2720%101
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net0.2720%95
Percentage Net Loans Charged-off: Commercial and industrial-0.0162%1,169
Percentage Net Loans Charged-off: Loans to individuals2.1224%221
Percentage Net Loans Charged-off: Credit card loans6.0403%139
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 RENANA
1996-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.9182%808
Percentage Net Loans Charged-off: Total real estate loans0.3960%125
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estate0.0000%559
Percentage Net Loans Charged-off: Multi-family residential0.5495%107
Percentage Net Loans Charged-off: 1-4 family residential0.2065%198
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net0.2065%190
Percentage Net Loans Charged-off: Commercial and industrial1.5563%112
Percentage Net Loans Charged-off: Loans to individuals0.7820%658
Percentage Net Loans Charged-off: Credit card loans13.0058%26
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 RENANA
1995-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.9210%760
Percentage Net Loans Charged-off: Total real estate loans0.6262%118
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estate0.0000%615
Percentage Net Loans Charged-off: Multi-family residential0.8540%120
Percentage Net Loans Charged-off: 1-4 family residential0.0819%418
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net0.0819%400
Percentage Net Loans Charged-off: Commercial and industrial1.3255%136
Percentage Net Loans Charged-off: Loans to individuals0.9375%403
Percentage Net Loans Charged-off: Credit card loans0.0000%1,020
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 loans0.7959%1,035
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 loans0.7275%1,878
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 loans0.3992%5,087
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