Home > The East Carolina Bank > Net charge- offs to loans
The East Carolina Bank, Net charge- offs to loans
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1985% | 488 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3726% | 346 |
| Percentage Net Loans Charged-off:Construction & development | 3.6919% | 280 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9214% | 475 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.4074% | 356 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9743% | 324 |
| All other 1-4 family - Percent of loans charged-off, net | 1.6669% | 306 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4781% | 954 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7782% | 1,220 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 554 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7789% | 1,106 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3403% | 550 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0294% | 1,050 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0618% | 923 |
| Percentage Net Loans Charged-off:Construction & development | 3.7307% | 718 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6111% | 1,355 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3843% | 604 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6159% | 1,489 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7948% | 786 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5046% | 1,701 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4528% | 1,080 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7837% | 1,695 |
| Percentage Net Loans Charged-off: Credit card loans | 4.7170% | 162 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7728% | 1,585 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1697% | 1,095 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9202% | 1,178 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9644% | 1,006 |
| Percentage Net Loans Charged-off:Construction & development | 2.9968% | 812 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7203% | 1,092 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4059% | 528 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4614% | 1,834 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7189% | 757 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3012% | 2,229 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1566% | 1,183 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8996% | 1,410 |
| Percentage Net Loans Charged-off: Credit card loans | 5.4286% | 132 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.8852% | 1,309 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1380% | 1,033 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8692% | 1,269 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8333% | 1,178 |
| Percentage Net Loans Charged-off:Construction & development | 1.7525% | 1,024 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8852% | 857 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4842% | 1,698 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8087% | 655 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2844% | 2,164 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6688% | 896 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1318% | 1,108 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 735 |
| Percentage Net Loans Charged-off: Other loans to individual | 1.1360% | 990 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1509% | 914 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5690% | 1,665 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2958% | 2,155 |
| Percentage Net Loans Charged-off:Construction & development | 0.4174% | 1,172 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3140% | 1,149 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3134% | 1,856 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1221% | 908 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4289% | 1,491 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.0153% | 484 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2600% | 526 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 576 |
| Percentage Net Loans Charged-off: Other loans to individual | 2.2698% | 471 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1493% | 714 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.7926% | 825 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.0313% | 632 |
| Percentage Net Loans Charged-off:Construction & development | 6.4664% | 755 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8689% | 1,400 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.9540% | 568 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0693% | 801 |
| All other 1-4 family - Percent of loans charged-off, net | 2.4383% | 441 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5535% | 2,658 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.2596% | 300 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 959 |
| Percentage Net Loans Charged-off: Other loans to individual | 3.9379% | 291 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2424% | 1,064 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 114 |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.7699% | 763 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.0259% | 591 |
| Percentage Net Loans Charged-off:Construction & development | 6.9772% | 634 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9636% | 1,086 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2185% | 952 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7513% | 902 |
| All other 1-4 family - Percent of loans charged-off, net | 1.4689% | 775 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6479% | 2,193 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.3235% | 635 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 902 |
| Percentage Net Loans Charged-off: Other loans to individual | 2.0542% | 616 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2835% | 920 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 102 |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0819% | 1,457 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1752% | 1,212 |
| Percentage Net Loans Charged-off:Construction & development | 4.4296% | 899 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0399% | 2,487 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3727% | 852 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2557% | 1,177 |
| All other 1-4 family - Percent of loans charged-off, net | 1.9588% | 565 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9461% | 1,631 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6203% | 2,118 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 808 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5399% | 1,976 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3139% | 802 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 93 |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.3976% | 982 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5174% | 800 |
| Percentage Net Loans Charged-off:Construction & development | 5.8382% | 550 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,892 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.7366% | 594 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3438% | 821 |
| All other 1-4 family - Percent of loans charged-off, net | 2.4484% | 398 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3046% | 1,089 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9990% | 1,368 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 649 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.9104% | 1,156 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2859% | 648 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 61 |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.6395% | 1,321 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.7527% | 1,090 |
| Percentage Net Loans Charged-off:Construction & development | 5.5716% | 1,120 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0995% | 3,210 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.9946% | 646 |
| Percentage Net Loans Charged-off: Home equity loans | 1.8643% | 509 |
| All other 1-4 family - Percent of loans charged-off, net | 2.0577% | 656 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8022% | 1,782 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8504% | 2,433 |
| Percentage Net Loans Charged-off: Credit card loans | 23.5849% | 33 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3339% | 1,224 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 165 |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1957% | 1,707 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1880% | 1,523 |
| Percentage Net Loans Charged-off:Construction & development | 2.8509% | 1,630 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1334% | 2,654 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.1073% | 549 |
| Percentage Net Loans Charged-off: Home equity loans | 2.5193% | 356 |
| All other 1-4 family - Percent of loans charged-off, net | 1.9081% | 635 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8603% | 1,540 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5892% | 2,892 |
| Percentage Net Loans Charged-off: Credit card loans | -3.8273% | 1,549 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3676% | 1,083 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 143 |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.4009% | 1,360 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3307% | 1,253 |
| Percentage Net Loans Charged-off:Construction & development | 3.0186% | 1,362 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1360% | 2,181 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.5193% | 435 |
| Percentage Net Loans Charged-off: Home equity loans | 2.4260% | 367 |
| All other 1-4 family - Percent of loans charged-off, net | 2.5644% | 454 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5941% | 1,092 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6769% | 2,486 |
| Percentage Net Loans Charged-off: Credit card loans | -8.2203% | 1,556 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4482% | 896 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 111 |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9645% | 1,687 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0431% | 1,327 |
| Percentage Net Loans Charged-off:Construction & development | 1.7271% | 1,270 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2754% | 1,335 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.2954% | 482 |
| Percentage Net Loans Charged-off: Home equity loans | 3.2676% | 254 |
| All other 1-4 family - Percent of loans charged-off, net | 1.8282% | 608 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8615% | 1,650 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8227% | 2,052 |
| 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 | 0.2611% | 846 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 72 |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2977% | 1,912 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5505% | 1,327 |
| Percentage Net Loans Charged-off:Construction & development | 3.9501% | 1,476 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2234% | 2,374 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.5466% | 870 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4103% | 1,329 |
| All other 1-4 family - Percent of loans charged-off, net | 2.0416% | 643 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2837% | 4,262 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4406% | 4,284 |
| 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 | 0.3103% | 1,438 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 184 |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8483% | 2,269 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0153% | 1,551 |
| Percentage Net Loans Charged-off:Construction & development | 3.0573% | 1,407 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,820 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5973% | 1,579 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3138% | 1,223 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7177% | 1,320 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1018% | 4,155 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1755% | 4,962 |
| 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 | 0.3198% | 1,255 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 155 |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0463% | 1,711 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2911% | 1,126 |
| Percentage Net Loans Charged-off:Construction & development | 3.8472% | 996 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,247 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7156% | 1,241 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1482% | 1,140 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9525% | 969 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0978% | 7,307 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2339% | 4,307 |
| 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 | 0.3524% | 1,076 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 118 |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.3586% | 1,041 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6573% | 693 |
| Percentage Net Loans Charged-off:Construction & development | 5.4401% | 533 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,395 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,745 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,521 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,811 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4045% | 3,153 |
| 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 | 0.3542% | 837 |
| 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 | 0.1195% | 5,057 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0967% | 3,741 |
| Percentage Net Loans Charged-off:Construction & development | 0.0101% | 2,817 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0006% | 7,642 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4798% | 1,241 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6834% | 866 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0870% | 4,097 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7042% | 3,046 |
| 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 | 0.2730% | 1,240 |
| 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 | 0.0931% | 4,550 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0696% | 3,273 |
| Percentage Net Loans Charged-off:Construction & development | 0.0138% | 2,187 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0008% | 7,649 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3414% | 1,221 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4876% | 869 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1150% | 3,197 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1656% | 4,648 |
| 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 | 0.2561% | 1,084 |
| 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 | 0.1005% | 3,828 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1015% | 2,353 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,702 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0013% | 7,716 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5368% | 722 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7718% | 482 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0155% | 3,083 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0273% | 4,844 |
| 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 | 0.2296% | 984 |
| 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 | 0.0289% | 4,154 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,687 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,119 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 813 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,939 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,774 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0291% | 2,079 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0522% | 3,894 |
| 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 | 0.2660% | 746 |
| 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 | 0.1252% | 3,563 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1318% | 1,815 |
| Percentage Net Loans Charged-off:Construction & development | 0.0789% | 1,246 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2257% | 748 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0849% | 2,036 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1338% | 1,548 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1496% | 2,975 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3174% | 3,934 |
| 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 | 0.0000% | 1,751 |
| 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 | 0.0856% | 3,439 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0381% | 2,286 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,085 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0943% | 723 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,699 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,489 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3952% | 1,683 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3537% | 3,297 |
| 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 | 0.0000% | 1,521 |
| 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 | 0.0711% | 3,219 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,712 |
| 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 | 0.0000% | 2,135 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,964 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5132% | 1,234 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4264% | 2,659 |
| 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 | 0.0000% | 1,336 |
| 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 | 0.0115% | 4,041 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,851 |
| 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 | 0.0000% | 1,473 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,345 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,846 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5949% | 1,936 |
| 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 | 0.0000% | 964 |
| 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 | 0.0088% | 5,852 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0022% | 7,622 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0132% | 7,985 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0218% | 8,032 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0131% | 6,968 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5150% | 2,819 |
| Percentage Net Loans Charged-off: Credit card loans | -9.7403% | 2,069 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,606 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0007% | 5,835 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0030% | 7,605 |
| 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 | -0.0177% | 8,008 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0293% | 8,072 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0175% | 6,866 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2034% | 3,982 |
| Percentage Net Loans Charged-off: Credit card loans | -10.3896% | 2,048 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,412 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 29 |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0256% | 4,112 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0046% | 7,678 |
| 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 | -0.0269% | 8,098 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0447% | 8,163 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2235% | 1,654 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0992% | 4,249 |
| Percentage Net Loans Charged-off: Credit card loans | -7.7927% | 2,028 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,212 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0020% | 6,475 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,638 |
| 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 | 0.0000% | 1,349 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,244 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,732 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0766% | 6,934 |
| Percentage Net Loans Charged-off: Credit card loans | -10.3896% | 2,015 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 12 |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0758% | 4,164 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0045% | 3,330 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,340 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0269% | 2,428 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0464% | 1,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4701% | 1,972 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3002% | 4,549 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5380% | 1,340 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,616 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0198% | 5,224 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0062% | 2,807 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,046 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0369% | 1,922 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0640% | 1,504 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0029% | 6,755 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3719% | 3,694 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5812% | 1,178 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,405 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0239% | 4,623 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0095% | 2,286 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 810 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0567% | 1,443 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0983% | 1,078 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0044% | 6,712 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4029% | 3,233 |
| Percentage Net Loans Charged-off: Credit card loans | 0.6034% | 1,070 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,156 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0240% | 3,857 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,814 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 511 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,974 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5385% | 2,460 |
| Percentage Net Loans Charged-off: Credit card loans | 0.9538% | 786 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 839 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0174% | 6,200 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0102% | 8,095 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0254% | 8,338 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0155% | 2,850 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0248% | 2,495 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,271 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4837% | 3,903 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8135% | 1,404 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,643 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0105% | 6,024 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0146% | 8,170 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0351% | 8,411 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0211% | 2,297 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0333% | 1,981 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,624 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3943% | 3,911 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5281% | 1,394 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,414 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0162% | 5,366 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0211% | 8,258 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0494% | 8,504 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0320% | 1,791 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0494% | 1,532 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,054 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5505% | 3,051 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0125% | 1,150 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,207 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0700% | 3,325 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0357% | 1,459 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0632% | 445 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,138 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8018% | 2,192 |
| Percentage Net Loans Charged-off: Credit card loans | 0.4336% | 1,060 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 887 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0933% | 4,912 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0182% | 3,335 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0509% | 1,290 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0404% | 8,595 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1243% | 6,064 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,279 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0413% | 4,500 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0642% | 2,194 |
| Percentage Net Loans Charged-off: Credit card loans | 0.7726% | 1,608 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0376% | 1,711 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0505% | 5,361 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0375% | 2,349 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0715% | 959 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,919 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,778 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0101% | 4,117 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2863% | 4,917 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5946% | 1,600 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0551% | 1,451 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0422% | 5,166 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,928 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| 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 | 0.0000% | 2,402 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,287 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1178% | 2,998 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2336% | 4,816 |
| Percentage Net Loans Charged-off: Credit card loans | 0.2956% | 1,546 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,407 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0188% | 4,949 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,066 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 618 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,648 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,550 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,449 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2517% | 4,053 |
| Percentage Net Loans Charged-off: Credit card loans | 0.4455% | 1,212 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1788% | 3,935 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0008% | 8,063 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,573 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0035% | 8,330 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0052% | 8,377 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2530% | 3,587 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2949% | 1,730 |
| Percentage Net Loans Charged-off: Credit card loans | 3.6645% | 772 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1350% | 1,546 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2120% | 3,482 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1159% | 1,493 |
| Percentage Net Loans Charged-off:Construction & development | 0.8680% | 218 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0184% | 2,735 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0253% | 2,460 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1678% | 3,811 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1498% | 1,884 |
| Percentage Net Loans Charged-off: Credit card loans | 3.6602% | 706 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0261% | 1,782 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0881% | 4,874 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| 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 | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2058% | 3,159 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| 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 | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1189% | 4,741 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| 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 | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0794% | 5,959 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| 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 | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0449% | 7,140 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| 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 | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5005% | 1,667 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| 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 | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1159% | 5,396 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| 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 | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5363% | 2,580 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| 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 | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2863% | 6,173 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| 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 | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |