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The F&M Bank & Trust Company, Net charge- offs to loans

2014-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0562%5,855
Percentage Net Loans Charged-off: Total real estate loans-0.1265%6,301
Percentage Net Loans Charged-off:Construction & development0.0000%583
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,059
Percentage Net Loans Charged-off: Multi-family residential0.0000%176
Percentage Net Loans Charged-off: 1-4 family residential-0.4047%6,506
Percentage Net Loans Charged-off: Home equity loans-0.3080%4,792
All other 1-4 family - Percent of loans charged-off, net-0.4128%6,500
Percentage Net Loans Charged-off: Commercial and industrial-0.0040%4,539
Percentage Net Loans Charged-off: Loans to individuals-0.3861%6,020
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual-0.3861%5,972
Percentage Net Loans Charged-off: All other loans and lease0.0000%938
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2013-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0740%4,175
Percentage Net Loans Charged-off: Total real estate loans0.0758%3,420
Percentage Net Loans Charged-off:Construction & development0.0000%1,642
Percentage Net Loans Charged-off: Commercial real estate0.0000%2,684
Percentage Net Loans Charged-off: Multi-family residential0.0000%619
Percentage Net Loans Charged-off: 1-4 family residential0.2707%1,847
Percentage Net Loans Charged-off: Home equity loans-0.0667%4,772
All other 1-4 family - Percent of loans charged-off, net0.3066%1,640
Percentage Net Loans Charged-off: Commercial and industrial0.0727%2,685
Percentage Net Loans Charged-off: Loans to individuals0.2767%2,828
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.2767%2,683
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,546
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%77
2013-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1240%3,296
Percentage Net Loans Charged-off: Total real estate loans0.1653%2,410
Percentage Net Loans Charged-off:Construction & development0.0000%1,483
Percentage Net Loans Charged-off: Commercial real estate0.0000%2,354
Percentage Net Loans Charged-off: Multi-family residential0.0000%515
Percentage Net Loans Charged-off: 1-4 family residential0.6012%889
Percentage Net Loans Charged-off: Home equity loans-0.0880%4,834
All other 1-4 family - Percent of loans charged-off, net0.6760%775
Percentage Net Loans Charged-off: Commercial and industrial0.1023%2,250
Percentage Net Loans Charged-off: Loans to individuals0.0981%3,411
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.0981%3,268
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,404
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%67
2013-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1844%2,651
Percentage Net Loans Charged-off: Total real estate loans0.2346%1,948
Percentage Net Loans Charged-off:Construction & development0.0000%1,279
Percentage Net Loans Charged-off: Commercial real estate0.0000%2,043
Percentage Net Loans Charged-off: Multi-family residential0.0000%425
Percentage Net Loans Charged-off: 1-4 family residential0.8652%625
Percentage Net Loans Charged-off: Home equity loans-0.1306%4,872
All other 1-4 family - Percent of loans charged-off, net0.9765%547
Percentage Net Loans Charged-off: Commercial and industrial0.1631%1,810
Percentage Net Loans Charged-off: Loans to individuals-0.0201%5,446
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual-0.0201%5,380
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,232
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%58
2013-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1504%2,499
Percentage Net Loans Charged-off: Total real estate loans-0.0287%6,210
Percentage Net Loans Charged-off:Construction & development0.0000%915
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,435
Percentage Net Loans Charged-off: Multi-family residential0.0000%295
Percentage Net Loans Charged-off: 1-4 family residential-0.1075%6,528
Percentage Net Loans Charged-off: Home equity loans-0.2558%4,949
All other 1-4 family - Percent of loans charged-off, net-0.0901%6,484
Percentage Net Loans Charged-off: Commercial and industrial0.2801%1,150
Percentage Net Loans Charged-off: Loans to individuals0.0193%2,787
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.0193%2,639
Percentage Net Loans Charged-off: All other loans and lease0.0000%975
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%43
2012-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3057%3,116
Percentage Net Loans Charged-off: Total real estate loans0.1136%3,902
Percentage Net Loans Charged-off:Construction & development0.0133%2,342
Percentage Net Loans Charged-off: Commercial real estate-0.0525%6,615
Percentage Net Loans Charged-off: Multi-family residential0.0000%851
Percentage Net Loans Charged-off: 1-4 family residential0.5827%1,566
Percentage Net Loans Charged-off: Home equity loans1.1615%578
All other 1-4 family - Percent of loans charged-off, net0.4921%1,747
Percentage Net Loans Charged-off: Commercial and industrial0.4679%2,151
Percentage Net Loans Charged-off: Loans to individuals0.5681%2,174
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.5681%2,025
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,670
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%125
2012-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3816%2,569
Percentage Net Loans Charged-off: Total real estate loans0.1787%3,216
Percentage Net Loans Charged-off:Construction & development0.1046%2,023
Percentage Net Loans Charged-off: Commercial real estate-0.0702%6,713
Percentage Net Loans Charged-off: Multi-family residential0.0000%745
Percentage Net Loans Charged-off: 1-4 family residential0.8495%1,049
Percentage Net Loans Charged-off: Home equity loans1.5291%404
All other 1-4 family - Percent of loans charged-off, net0.7369%1,185
Percentage Net Loans Charged-off: Commercial and industrial0.5616%1,752
Percentage Net Loans Charged-off: Loans to individuals0.7778%1,575
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.7777%1,443
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,486
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%111
2012-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2343%3,167
Percentage Net Loans Charged-off: Total real estate loans0.2508%2,664
Percentage Net Loans Charged-off:Construction & development0.1531%1,766
Percentage Net Loans Charged-off: Commercial real estate-0.1116%6,834
Percentage Net Loans Charged-off: Multi-family residential0.0000%593
Percentage Net Loans Charged-off: 1-4 family residential1.2202%718
Percentage Net Loans Charged-off: Home equity loans2.2808%259
All other 1-4 family - Percent of loans charged-off, net1.0322%872
Percentage Net Loans Charged-off: Commercial and industrial0.2256%2,177
Percentage Net Loans Charged-off: Loans to individuals0.8172%1,482
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.8172%1,344
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,276
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%96
2012-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.5275%1,770
Percentage Net Loans Charged-off: Total real estate loans0.6465%1,334
Percentage Net Loans Charged-off:Construction & development0.3026%1,220
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,722
Percentage Net Loans Charged-off: Multi-family residential0.0000%388
Percentage Net Loans Charged-off: 1-4 family residential2.5166%286
Percentage Net Loans Charged-off: Home equity loans4.6289%120
All other 1-4 family - Percent of loans charged-off, net2.1267%383
Percentage Net Loans Charged-off: Commercial and industrial0.5172%1,265
Percentage Net Loans Charged-off: Loans to individuals-0.7852%6,793
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual-0.7852%6,739
Percentage Net Loans Charged-off: All other loans and lease0.0000%960
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2011-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans1.7930%824
Percentage Net Loans Charged-off: Total real estate loans1.8961%714
Percentage Net Loans Charged-off:Construction & development9.4929%489
Percentage Net Loans Charged-off: Commercial real estate0.0702%3,235
Percentage Net Loans Charged-off: Multi-family residential0.0000%1,014
Percentage Net Loans Charged-off: 1-4 family residential0.1875%3,512
Percentage Net Loans Charged-off: Home equity loans0.0231%1,895
All other 1-4 family - Percent of loans charged-off, net0.2176%3,228
Percentage Net Loans Charged-off: Commercial and industrial1.9217%1,236
Percentage Net Loans Charged-off: Loans to individuals0.5317%2,703
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.5166%2,473
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,720
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%114
2011-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans1.9195%677
Percentage Net Loans Charged-off: Total real estate loans2.5392%399
Percentage Net Loans Charged-off:Construction & development13.1811%277
Percentage Net Loans Charged-off: Commercial real estate0.0930%2,700
Percentage Net Loans Charged-off: Multi-family residential0.0000%856
Percentage Net Loans Charged-off: 1-4 family residential0.2333%2,959
Percentage Net Loans Charged-off: Home equity loans-0.1246%5,334
All other 1-4 family - Percent of loans charged-off, net0.2988%2,547
Percentage Net Loans Charged-off: Commercial and industrial1.5250%1,345
Percentage Net Loans Charged-off: Loans to individuals0.4152%2,848
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.4000%2,601
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,562
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%102
2011-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.5079%2,579
Percentage Net Loans Charged-off: Total real estate loans0.1299%3,741
Percentage Net Loans Charged-off:Construction & development0.0409%2,268
Percentage Net Loans Charged-off: Commercial real estate0.1291%2,204
Percentage Net Loans Charged-off: Multi-family residential0.0000%678
Percentage Net Loans Charged-off: 1-4 family residential0.2256%2,782
Percentage Net Loans Charged-off: Home equity loans-0.1886%5,376
All other 1-4 family - Percent of loans charged-off, net0.3029%2,317
Percentage Net Loans Charged-off: Commercial and industrial0.9868%1,600
Percentage Net Loans Charged-off: Loans to individuals0.6595%2,031
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.6267%1,792
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,354
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%93
2011-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4750%2,286
Percentage Net Loans Charged-off: Total real estate loans-0.0020%6,623
Percentage Net Loans Charged-off:Construction & development0.0000%1,696
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,892
Percentage Net Loans Charged-off: Multi-family residential0.0000%440
Percentage Net Loans Charged-off: 1-4 family residential-0.0091%6,803
Percentage Net Loans Charged-off: Home equity loans-0.3822%5,428
All other 1-4 family - Percent of loans charged-off, net0.0616%2,631
Percentage Net Loans Charged-off: Commercial and industrial1.1394%1,179
Percentage Net Loans Charged-off: Loans to individuals-0.0876%6,121
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual-0.0808%6,099
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,005
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%61
2010-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.6449%3,085
Percentage Net Loans Charged-off: Total real estate loans0.2432%3,991
Percentage Net Loans Charged-off:Construction & development0.5158%2,832
Percentage Net Loans Charged-off: Commercial real estate0.1009%3,199
Percentage Net Loans Charged-off: Multi-family residential0.0000%1,098
Percentage Net Loans Charged-off: 1-4 family residential0.4212%2,508
Percentage Net Loans Charged-off: Home equity loans0.0000%1,940
All other 1-4 family - Percent of loans charged-off, net0.4825%2,276
Percentage Net Loans Charged-off: Commercial and industrial1.3267%2,179
Percentage Net Loans Charged-off: Loans to individuals0.3717%3,853
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%1,993
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%165
2010-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4164%3,624
Percentage Net Loans Charged-off: Total real estate loans0.2134%3,815
Percentage Net Loans Charged-off:Construction & development0.6871%2,446
Percentage Net Loans Charged-off: Commercial real estate0.0000%3,182
Percentage Net Loans Charged-off: Multi-family residential0.0000%888
Percentage Net Loans Charged-off: 1-4 family residential0.4048%2,356
Percentage Net Loans Charged-off: Home equity loans0.0000%1,705
All other 1-4 family - Percent of loans charged-off, net0.4602%2,115
Percentage Net Loans Charged-off: Commercial and industrial0.7872%2,505
Percentage Net Loans Charged-off: Loans to individuals0.2117%4,184
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%1,786
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%143
2010-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1214%4,970
Percentage Net Loans Charged-off: Total real estate loans0.2062%3,508
Percentage Net Loans Charged-off:Construction & development0.9772%2,009
Percentage Net Loans Charged-off: Commercial real estate0.0000%2,645
Percentage Net Loans Charged-off: Multi-family residential0.0000%710
Percentage Net Loans Charged-off: 1-4 family residential0.1343%3,165
Percentage Net Loans Charged-off: Home equity loans0.0000%1,414
All other 1-4 family - Percent of loans charged-off, net0.1512%2,925
Percentage Net Loans Charged-off: Commercial and industrial-0.0314%6,566
Percentage Net Loans Charged-off: Loans to individuals0.5370%2,844
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 RE0.0000%111
2010-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1193%4,262
Percentage Net Loans Charged-off: Total real estate loans0.3473%2,407
Percentage Net Loans Charged-off:Construction & development1.9042%1,228
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,882
Percentage Net Loans Charged-off: Multi-family residential0.0000%457
Percentage Net Loans Charged-off: 1-4 family residential-0.0055%7,205
Percentage Net Loans Charged-off: Home equity loans0.0000%974
All other 1-4 family - Percent of loans charged-off, net-0.0062%7,219
Percentage Net Loans Charged-off: Commercial and industrial-0.2401%7,077
Percentage Net Loans Charged-off: Loans to individuals0.3658%2,914
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 RE0.0000%72
2009-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.8216%2,770
Percentage Net Loans Charged-off: Total real estate loans0.7440%2,336
Percentage Net Loans Charged-off:Construction & development3.3298%1,635
Percentage Net Loans Charged-off: Commercial real estate0.0695%3,024
Percentage Net Loans Charged-off: Multi-family residential0.0000%922
Percentage Net Loans Charged-off: 1-4 family residential0.1444%3,595
Percentage Net Loans Charged-off: Home equity loans0.0000%1,916
All other 1-4 family - Percent of loans charged-off, net0.1632%3,312
Percentage Net Loans Charged-off: Commercial and industrial0.9757%2,897
Percentage Net Loans Charged-off: Loans to individuals0.5744%3,837
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 RE0.0000%184
2009-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2924%4,198
Percentage Net Loans Charged-off: Total real estate loans0.0782%4,516
Percentage Net Loans Charged-off:Construction & development0.2962%2,700
Percentage Net Loans Charged-off: Commercial real estate0.0000%2,820
Percentage Net Loans Charged-off: Multi-family residential0.0000%708
Percentage Net Loans Charged-off: 1-4 family residential0.0754%3,687
Percentage Net Loans Charged-off: Home equity loans0.0000%1,611
All other 1-4 family - Percent of loans charged-off, net0.0853%3,410
Percentage Net Loans Charged-off: Commercial and industrial0.5574%3,044
Percentage Net Loans Charged-off: Loans to individuals0.4035%4,060
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 RE0.0000%155
2009-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2701%3,838
Percentage Net Loans Charged-off: Total real estate loans0.0200%4,625
Percentage Net Loans Charged-off:Construction & development0.0000%2,667
Percentage Net Loans Charged-off: Commercial real estate0.0000%2,247
Percentage Net Loans Charged-off: Multi-family residential0.0000%531
Percentage Net Loans Charged-off: 1-4 family residential0.0820%3,132
Percentage Net Loans Charged-off: Home equity loans0.0000%1,287
All other 1-4 family - Percent of loans charged-off, net0.0932%2,858
Percentage Net Loans Charged-off: Commercial and industrial0.5648%2,571
Percentage Net Loans Charged-off: Loans to individuals0.4848%3,530
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 RE0.0000%118
2009-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4338%2,374
Percentage Net Loans Charged-off: Total real estate loans-0.0015%7,522
Percentage Net Loans Charged-off:Construction & development0.0000%1,865
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,395
Percentage Net Loans Charged-off: Multi-family residential0.0000%309
Percentage Net Loans Charged-off: 1-4 family residential-0.0065%7,587
Percentage Net Loans Charged-off: Home equity loans0.0000%827
All other 1-4 family - Percent of loans charged-off, net-0.0075%7,586
Percentage Net Loans Charged-off: Commercial and industrial0.9785%1,433
Percentage Net Loans Charged-off: Loans to individuals0.2488%3,581
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 RE0.0000%81
2008-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4462%2,598
Percentage Net Loans Charged-off: Total real estate loans0.2035%2,848
Percentage Net Loans Charged-off:Construction & development0.4001%2,111
Percentage Net Loans Charged-off: Commercial real estate0.0347%2,092
Percentage Net Loans Charged-off: Multi-family residential0.0000%546
Percentage Net Loans Charged-off: 1-4 family residential0.3925%1,443
Percentage Net Loans Charged-off: Home equity loans0.0000%1,398
All other 1-4 family - Percent of loans charged-off, net0.4611%1,204
Percentage Net Loans Charged-off: Commercial and industrial0.7464%2,186
Percentage Net Loans Charged-off: Loans to individuals0.4076%4,087
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 RE0.0000%112
2008-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0931%4,551
Percentage Net Loans Charged-off: Total real estate loans0.1414%2,555
Percentage Net Loans Charged-off:Construction & development0.5174%1,418
Percentage Net Loans Charged-off: Commercial real estate-0.0130%7,785
Percentage Net Loans Charged-off: Multi-family residential0.0000%377
Percentage Net Loans Charged-off: 1-4 family residential-0.0043%7,715
Percentage Net Loans Charged-off: Home equity loans0.0000%1,108
All other 1-4 family - Percent of loans charged-off, net-0.0051%7,695
Percentage Net Loans Charged-off: Commercial and industrial0.0317%3,679
Percentage Net Loans Charged-off: Loans to individuals0.4900%3,283
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 RE0.0000%90
2008-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0193%5,369
Percentage Net Loans Charged-off: Total real estate loans0.0645%2,748
Percentage Net Loans Charged-off:Construction & development0.2327%1,266
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,334
Percentage Net Loans Charged-off: Multi-family residential0.0000%250
Percentage Net Loans Charged-off: 1-4 family residential-0.0111%7,792
Percentage Net Loans Charged-off: Home equity loans0.0000%889
All other 1-4 family - Percent of loans charged-off, net-0.0132%7,786
Percentage Net Loans Charged-off: Commercial and industrial-0.0560%7,198
Percentage Net Loans Charged-off: Loans to individuals0.6674%2,398
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 RE0.0000%70
2008-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0584%7,833
Percentage Net Loans Charged-off: Total real estate loans-0.0167%7,891
Percentage Net Loans Charged-off:Construction & development-0.1063%7,634
Percentage Net Loans Charged-off: Commercial real estate0.0000%813
Percentage Net Loans Charged-off: Multi-family residential0.0000%134
Percentage Net Loans Charged-off: 1-4 family residential0.0838%1,452
Percentage Net Loans Charged-off: Home equity loans0.0000%563
All other 1-4 family - Percent of loans charged-off, net0.0998%1,271
Percentage Net Loans Charged-off: Commercial and industrial-0.1288%7,433
Percentage Net Loans Charged-off: Loans to individuals0.3809%2,802
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 RE0.0000%39
2007-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans2.3834%127
Percentage Net Loans Charged-off: Total real estate loans0.0385%3,059
Percentage Net Loans Charged-off:Construction & development0.0210%1,462
Percentage Net Loans Charged-off: Commercial real estate0.0667%1,207
Percentage Net Loans Charged-off: Multi-family residential0.0000%289
Percentage Net Loans Charged-off: 1-4 family residential-0.0153%7,909
Percentage Net Loans Charged-off: Home equity loans0.0000%938
All other 1-4 family - Percent of loans charged-off, net-0.0180%7,908
Percentage Net Loans Charged-off: Commercial and industrial4.7785%224
Percentage Net Loans Charged-off: Loans to individuals0.4568%3,252
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 RE0.0000%73
2007-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3308%1,206
Percentage Net Loans Charged-off: Total real estate loans0.0211%2,659
Percentage Net Loans Charged-off:Construction & development0.0284%955
Percentage Net Loans Charged-off: Commercial real estate0.0281%982
Percentage Net Loans Charged-off: Multi-family residential0.0000%199
Percentage Net Loans Charged-off: 1-4 family residential-0.0155%7,835
Percentage Net Loans Charged-off: Home equity loans0.0000%720
All other 1-4 family - Percent of loans charged-off, net-0.0183%7,840
Percentage Net Loans Charged-off: Commercial and industrial0.6208%1,309
Percentage Net Loans Charged-off: Loans to individuals0.5463%2,503
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 RE0.0000%52
2007-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1274%2,402
Percentage Net Loans Charged-off: Total real estate loans0.0195%2,181
Percentage Net Loans Charged-off:Construction & development0.0000%770
Percentage Net Loans Charged-off: Commercial real estate0.0422%680
Percentage Net Loans Charged-off: Multi-family residential0.0000%143
Percentage Net Loans Charged-off: 1-4 family residential-0.0185%7,871
Percentage Net Loans Charged-off: Home equity loans0.0000%541
All other 1-4 family - Percent of loans charged-off, net-0.0217%7,896
Percentage Net Loans Charged-off: Commercial and industrial0.2088%1,814
Percentage Net Loans Charged-off: Loans to individuals0.6866%1,871
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 RE0.0000%38
2007-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0321%3,351
Percentage Net Loans Charged-off: Total real estate loans0.0422%1,290
Percentage Net Loans Charged-off:Construction & development0.0000%444
Percentage Net Loans Charged-off: Commercial real estate0.0840%354
Percentage Net Loans Charged-off: Multi-family residential0.0000%76
Percentage Net Loans Charged-off: 1-4 family residential-0.0195%7,920
Percentage Net Loans Charged-off: Home equity loans0.0000%371
All other 1-4 family - Percent of loans charged-off, net-0.0229%7,929
Percentage Net Loans Charged-off: Commercial and industrial0.0118%1,812
Percentage Net Loans Charged-off: Loans to individuals0.4751%2,204
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 RE0.0000%28
2006-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2397%1,696
Percentage Net Loans Charged-off: Total real estate loans0.0359%2,262
Percentage Net Loans Charged-off:Construction & development0.0000%832
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,308
Percentage Net Loans Charged-off: Multi-family residential0.0000%200
Percentage Net Loans Charged-off: 1-4 family residential0.2551%667
Percentage Net Loans Charged-off: Home equity loans0.0000%709
All other 1-4 family - Percent of loans charged-off, net0.2989%560
Percentage Net Loans Charged-off: Commercial and industrial0.4366%1,749
Percentage Net Loans Charged-off: Loans to individuals0.1389%4,838
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,606
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%39
2006-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2770%1,191
Percentage Net Loans Charged-off: Total real estate loans-0.0024%7,555
Percentage Net Loans Charged-off:Construction & development0.0000%620
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,012
Percentage Net Loans Charged-off: Multi-family residential0.0000%150
Percentage Net Loans Charged-off: 1-4 family residential-0.0169%8,004
Percentage Net Loans Charged-off: Home equity loans0.0000%550
All other 1-4 family - Percent of loans charged-off, net-0.0198%7,994
Percentage Net Loans Charged-off: Commercial and industrial0.5556%1,226
Percentage Net Loans Charged-off: Loans to individuals-0.0808%7,485
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,412
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%29
2006-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3097%1,010
Percentage Net Loans Charged-off: Total real estate loans-0.0022%7,559
Percentage Net Loans Charged-off:Construction & development0.0000%466
Percentage Net Loans Charged-off: Commercial real estate0.0000%815
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential-0.0159%8,002
Percentage Net Loans Charged-off: Home equity loans0.0000%426
All other 1-4 family - Percent of loans charged-off, net-0.0186%8,014
Percentage Net Loans Charged-off: Commercial and industrial0.6286%1,019
Percentage Net Loans Charged-off: Loans to individuals-0.2454%7,793
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,212
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%21
2006-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0780%7,987
Percentage Net Loans Charged-off: Total real estate loans-0.0036%7,653
Percentage Net Loans Charged-off:Construction & development0.0000%268
Percentage Net Loans Charged-off: Commercial real estate0.0000%498
Percentage Net Loans Charged-off: Multi-family residential0.0000%51
Percentage Net Loans Charged-off: 1-4 family residential-0.0252%8,104
Percentage Net Loans Charged-off: Home equity loans0.0000%311
All other 1-4 family - Percent of loans charged-off, net-0.0296%8,118
Percentage Net Loans Charged-off: Commercial and industrial-0.1513%7,514
Percentage Net Loans Charged-off: Loans to individuals-0.0978%7,018
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%911
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%12
2005-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0437%4,931
Percentage Net Loans Charged-off: Total real estate loans0.2052%666
Percentage Net Loans Charged-off:Construction & development0.0000%694
Percentage Net Loans Charged-off: Commercial real estate0.0052%1,289
Percentage Net Loans Charged-off: Multi-family residential0.0000%187
Percentage Net Loans Charged-off: 1-4 family residential1.4053%75
Percentage Net Loans Charged-off: Home equity loans0.0000%682
All other 1-4 family - Percent of loans charged-off, net1.6948%61
Percentage Net Loans Charged-off: Commercial and industrial-0.1078%7,613
Percentage Net Loans Charged-off: Loans to individuals0.2235%4,952
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,616
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%28
2005-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1534%2,411
Percentage Net Loans Charged-off: Total real estate loans0.2719%435
Percentage Net Loans Charged-off:Construction & development0.0000%541
Percentage Net Loans Charged-off: Commercial real estate-0.0005%7,893
Percentage Net Loans Charged-off: Multi-family residential0.0000%151
Percentage Net Loans Charged-off: 1-4 family residential1.8882%53
Percentage Net Loans Charged-off: Home equity loans0.0000%562
All other 1-4 family - Percent of loans charged-off, net2.2919%42
Percentage Net Loans Charged-off: Commercial and industrial0.0588%3,015
Percentage Net Loans Charged-off: Loans to individuals0.0542%5,496
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%1,405
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%21
2005-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1017%2,850
Percentage Net Loans Charged-off: Total real estate loans0.2072%600
Percentage Net Loans Charged-off:Construction & development0.0000%425
Percentage Net Loans Charged-off: Commercial real estate0.0000%810
Percentage Net Loans Charged-off: Multi-family residential0.0000%111
Percentage Net Loans Charged-off: 1-4 family residential1.4198%91
Percentage Net Loans Charged-off: Home equity loans0.0000%450
All other 1-4 family - Percent of loans charged-off, net1.7305%71
Percentage Net Loans Charged-off: Commercial and industrial0.0190%2,779
Percentage Net Loans Charged-off: Loans to individuals-0.1062%7,613
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%1,156
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%20
2005-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0039%6,731
Percentage Net Loans Charged-off: Total real estate loans-0.0028%7,695
Percentage Net Loans Charged-off:Construction & development0.0000%235
Percentage Net Loans Charged-off: Commercial real estate0.0000%511
Percentage Net Loans Charged-off: Multi-family residential0.0000%61
Percentage Net Loans Charged-off: 1-4 family residential-0.0184%8,140
Percentage Net Loans Charged-off: Home equity loans0.0000%338
All other 1-4 family - Percent of loans charged-off, net-0.0225%8,173
Percentage Net Loans Charged-off: Commercial and industrial0.0035%1,967
Percentage Net Loans Charged-off: Loans to individuals-0.2354%7,755
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%839
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%13
2004-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2861%2,019
Percentage Net Loans Charged-off: Total real estate loans0.1048%1,544
Percentage Net Loans Charged-off:Construction & development0.0000%758
Percentage Net Loans Charged-off: Commercial real estate0.1683%847
Percentage Net Loans Charged-off: Multi-family residential0.0000%197
Percentage Net Loans Charged-off: 1-4 family residential0.0357%2,420
Percentage Net Loans Charged-off: Home equity loans0.0000%657
All other 1-4 family - Percent of loans charged-off, net0.0450%2,164
Percentage Net Loans Charged-off: Commercial and industrial0.4621%2,220
Percentage Net Loans Charged-off: Loans to individuals0.4429%4,095
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,643
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%27
2004-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2346%2,057
Percentage Net Loans Charged-off: Total real estate loans0.0091%2,961
Percentage Net Loans Charged-off:Construction & development0.0000%604
Percentage Net Loans Charged-off: Commercial real estate0.0006%1,211
Percentage Net Loans Charged-off: Multi-family residential0.0000%155
Percentage Net Loans Charged-off: 1-4 family residential0.0589%1,750
Percentage Net Loans Charged-off: Home equity loans0.0000%554
All other 1-4 family - Percent of loans charged-off, net0.0747%1,539
Percentage Net Loans Charged-off: Commercial and industrial0.4518%1,866
Percentage Net Loans Charged-off: Loans to individuals0.2270%4,819
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,414
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%21
2004-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0614%4,107
Percentage Net Loans Charged-off: Total real estate loans0.0053%2,623
Percentage Net Loans Charged-off:Construction & development0.0000%464
Percentage Net Loans Charged-off: Commercial real estate0.0009%951
Percentage Net Loans Charged-off: Multi-family residential0.0000%116
Percentage Net Loans Charged-off: 1-4 family residential0.0326%1,784
Percentage Net Loans Charged-off: Home equity loans0.0000%431
All other 1-4 family - Percent of loans charged-off, net0.0415%1,602
Percentage Net Loans Charged-off: Commercial and industrial0.1050%2,551
Percentage Net Loans Charged-off: Loans to individuals0.2454%4,366
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,207
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%19
2004-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.3730%8,828
Percentage Net Loans Charged-off: Total real estate loans-0.0109%8,135
Percentage Net Loans Charged-off:Construction & development0.0000%286
Percentage Net Loans Charged-off: Commercial real estate0.0000%553
Percentage Net Loans Charged-off: Multi-family residential0.0000%70
Percentage Net Loans Charged-off: 1-4 family residential-0.0753%8,594
Percentage Net Loans Charged-off: Home equity loans0.0000%291
All other 1-4 family - Percent of loans charged-off, net-0.0959%8,640
Percentage Net Loans Charged-off: Commercial and industrial-0.7639%8,291
Percentage Net Loans Charged-off: Loans to individuals0.3073%3,532
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%887
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%12
2003-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4058%1,847
Percentage Net Loans Charged-off: Total real estate loans0.1153%1,683
Percentage Net Loans Charged-off:Construction & development0.0000%836
Percentage Net Loans Charged-off: Commercial real estate0.1648%904
Percentage Net Loans Charged-off: Multi-family residential0.0000%186
Percentage Net Loans Charged-off: 1-4 family residential0.1137%1,650
Percentage Net Loans Charged-off: Home equity loans0.0000%639
All other 1-4 family - Percent of loans charged-off, net0.1382%1,472
Percentage Net Loans Charged-off: Commercial and industrial0.7547%2,072
Percentage Net Loans Charged-off: Loans to individuals-0.6136%8,880
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%1,856
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%56
2003-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1902%3,091
Percentage Net Loans Charged-off: Total real estate loans0.0281%2,554
Percentage Net Loans Charged-off:Construction & development0.0000%663
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,273
Percentage Net Loans Charged-off: Multi-family residential0.0000%138
Percentage Net Loans Charged-off: 1-4 family residential0.1575%1,123
Percentage Net Loans Charged-off: Home equity loans0.0000%519
All other 1-4 family - Percent of loans charged-off, net0.1902%979
Percentage Net Loans Charged-off: Commercial and industrial0.4425%2,353
Percentage Net Loans Charged-off: Loans to individuals-1.3430%9,001
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%1,617
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%45
2003-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0402%8,408
Percentage Net Loans Charged-off: Total real estate loans0.0381%2,042
Percentage Net Loans Charged-off:Construction & development0.0000%523
Percentage Net Loans Charged-off: Commercial real estate0.0000%978
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential0.2063%838
Percentage Net Loans Charged-off: Home equity loans0.0000%421
All other 1-4 family - Percent of loans charged-off, net0.2481%738
Percentage Net Loans Charged-off: Commercial and industrial0.0375%3,370
Percentage Net Loans Charged-off: Loans to individuals-2.2180%9,074
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,407
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%37
2003-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.1352%8,756
Percentage Net Loans Charged-off: Total real estate loans0.0610%1,332
Percentage Net Loans Charged-off:Construction & development0.0000%326
Percentage Net Loans Charged-off: Commercial real estate0.0000%618
Percentage Net Loans Charged-off: Multi-family residential0.0000%56
Percentage Net Loans Charged-off: 1-4 family residential0.3359%485
Percentage Net Loans Charged-off: Home equity loans0.0000%277
All other 1-4 family - Percent of loans charged-off, net0.4070%413
Percentage Net Loans Charged-off: Commercial and industrial0.0739%2,226
Percentage Net Loans Charged-off: Loans to individuals-5.3598%9,138
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%993
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%23
2002-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2512%3,154
Percentage Net Loans Charged-off: Total real estate loans0.0107%3,678
Percentage Net Loans Charged-off:Construction & development0.0000%875
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,573
Percentage Net Loans Charged-off: Multi-family residential0.0000%189
Percentage Net Loans Charged-off: 1-4 family residential0.0581%2,196
Percentage Net Loans Charged-off: Home equity loans0.0000%614
All other 1-4 family - Percent of loans charged-off, net0.0698%1,970
Percentage Net Loans Charged-off: Commercial and industrial0.3373%3,292
Percentage Net Loans Charged-off: Loans to individuals1.8818%970
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%1,956
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%51
2001-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4818%1,691
Percentage Net Loans Charged-off: Total real estate loans0.1356%1,343
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 residential1.7292%55
Percentage Net Loans Charged-off: 1-4 family residential0.1211%1,353
Percentage Net Loans Charged-off: Home equity loans0.0000%610
All other 1-4 family - Percent of loans charged-off, net0.1478%1,157
Percentage Net Loans Charged-off: Commercial and industrial0.7072%2,230
Percentage Net Loans Charged-off: Loans to individuals1.4671%1,336
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 RE0.0000%74
2000-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0473%9,304
Percentage Net Loans Charged-off: Total real estate loans-0.0011%1,256
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 residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential-0.0075%1,371
Percentage Net Loans Charged-off: Home equity loans0.0000%364
All other 1-4 family - Percent of loans charged-off, net-0.0095%1,390
Percentage Net Loans Charged-off: Commercial and industrial-0.1400%1,416
Percentage Net Loans Charged-off: Loans to individuals0.3337%957
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 RE0.0000%23
1999-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3823%1,837
Percentage Net Loans Charged-off: Total real estate loans0.1481%183
Percentage Net Loans Charged-off:Construction & development0.0000%250
Percentage Net Loans Charged-off: Commercial real estate0.0000%415
Percentage Net Loans Charged-off: Multi-family residential0.0000%120
Percentage Net Loans Charged-off: 1-4 family residential0.9288%19
Percentage Net Loans Charged-off: Home equity loans1.8885%21
All other 1-4 family - Percent of loans charged-off, net0.6748%37
Percentage Net Loans Charged-off: Commercial and industrial0.6732%295
Percentage Net Loans Charged-off: Loans to individuals0.2038%1,147
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 RE0.0000%23
1998-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0637%6,003
Percentage Net Loans Charged-off: Total real estate loans0.0034%920
Percentage Net Loans Charged-off:Construction & development0.0000%229
Percentage Net Loans Charged-off: Commercial real estate0.0000%457
Percentage Net Loans Charged-off: Multi-family residential0.0000%151
Percentage Net Loans Charged-off: 1-4 family residential0.0166%719
Percentage Net Loans Charged-off: Home equity loans0.0000%385
All other 1-4 family - Percent of loans charged-off, net0.0206%627
Percentage Net Loans Charged-off: Commercial and industrial0.0897%783
Percentage Net Loans Charged-off: Loans to individuals0.2607%1,061
Percentage Net Loans Charged-off: Credit card loans0.0000%973
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%409
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%24
1997-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.8664%725
Percentage Net Loans Charged-off: Total real estate loans0.0759%423
Percentage Net Loans Charged-off:Construction & development0.0000%260
Percentage Net Loans Charged-off: Commercial real estate0.0000%477
Percentage Net Loans Charged-off: Multi-family residential0.0000%192
Percentage Net Loans Charged-off: 1-4 family residential0.3391%72
Percentage Net Loans Charged-off: Home equity loans0.0000%396
All other 1-4 family - Percent of loans charged-off, net0.4328%52
Percentage Net Loans Charged-off: Commercial and industrial1.7975%82
Percentage Net Loans Charged-off: Loans to individuals0.7689%686
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%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 loans0.9682%750
Percentage Net Loans Charged-off: Total real estate loans0.0344%685
Percentage Net Loans Charged-off:Construction & development-0.0390%1,326
Percentage Net Loans Charged-off: Commercial real estate-0.0011%1,139
Percentage Net Loans Charged-off: Multi-family residential-0.1008%1,366
Percentage Net Loans Charged-off: 1-4 family residential0.2351%172
Percentage Net Loans Charged-off: Home equity loans0.0000%412
All other 1-4 family - Percent of loans charged-off, net0.3138%117
Percentage Net Loans Charged-off: Commercial and industrial1.8668%89
Percentage Net Loans Charged-off: Loans to individuals1.1564%447
Percentage Net Loans Charged-off: Credit card loans0.0000%1,056
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 loans0.1892%4,034
Percentage Net Loans Charged-off: Total real estate loans-0.0081%1,294
Percentage Net Loans Charged-off:Construction & development0.0000%344
Percentage Net Loans Charged-off: Commercial real estate-0.0130%1,209
Percentage Net Loans Charged-off: Multi-family residential0.0000%281
Percentage Net Loans Charged-off: 1-4 family residential-0.0068%1,370
Percentage Net Loans Charged-off: Home equity loans0.0000%403
All other 1-4 family - Percent of loans charged-off, net-0.0079%1,379
Percentage Net Loans Charged-off: Commercial and industrial-0.1726%1,237
Percentage Net Loans Charged-off: Loans to individuals2.4981%106
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 loans0.5053%1,762
Percentage Net Loans Charged-off: Total real estate loans-0.0429%1,354
Percentage Net Loans Charged-off:Construction & development0.0000%353
Percentage Net Loans Charged-off: Commercial real estate-0.0297%1,249
Percentage Net Loans Charged-off: Multi-family residential0.0000%332
Percentage Net Loans Charged-off: 1-4 family residential-0.1209%1,468
Percentage Net Loans Charged-off: Home equity loans0.0000%393
All other 1-4 family - Percent of loans charged-off, net-0.1371%1,469
Percentage Net Loans Charged-off: Commercial and industrial0.7444%274
Percentage Net Loans Charged-off: Loans to individuals1.3617%199
Percentage Net Loans Charged-off: Credit card loans0.0000%989
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%371
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1993-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0982%7,131
Percentage Net Loans Charged-off: Total real estate loans-0.0218%1,418
Percentage Net Loans Charged-off:Construction & development0.0000%485
Percentage Net Loans Charged-off: Commercial real estate-0.0313%1,365
Percentage Net Loans Charged-off: Multi-family residential0.0000%368
Percentage Net Loans Charged-off: 1-4 family residential-0.0128%1,409
Percentage Net Loans Charged-off: Home equity loans0.0000%462
All other 1-4 family - Percent of loans charged-off, net-0.0159%1,413
Percentage Net Loans Charged-off: Commercial and industrial0.1748%759
Percentage Net Loans Charged-off: Loans to individuals0.1852%1,106
Percentage Net Loans Charged-off: Credit card loans0.0000%1,000
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%423
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1992-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.1227%13,119
Percentage Net Loans Charged-off: Total real estate loans-0.1531%1,564
Percentage Net Loans Charged-off:Construction & development-0.0679%1,431
Percentage Net Loans Charged-off: Commercial real estate-0.0238%1,482
Percentage Net Loans Charged-off: Multi-family residential0.0000%418
Percentage Net Loans Charged-off: 1-4 family residential-0.4248%1,571
Percentage Net Loans Charged-off: Home equity loans0.0000%487
All other 1-4 family - Percent of loans charged-off, net-0.5625%1,569
Percentage Net Loans Charged-off: Commercial and industrial-0.2031%1,392
Percentage Net Loans Charged-off: Loans to individuals0.5665%901
Percentage Net Loans Charged-off: Credit card loans0.0000%1,026
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%479
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA