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The Harris Bank, Net charge- offs to loans

2011-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans2.6308%427
Percentage Net Loans Charged-off: Total real estate loans2.7986%377
Percentage Net Loans Charged-off:Construction & development7.6726%566
Percentage Net Loans Charged-off: Commercial real estate4.6315%152
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential2.5461%387
Percentage Net Loans Charged-off: Home equity loans4.3775%202
All other 1-4 family - Percent of loans charged-off, net1.6948%674
Percentage Net Loans Charged-off: Commercial and industrial1.6945%1,155
Percentage Net Loans Charged-off: Loans to individuals0.5842%2,192
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.5826%1,871
Percentage Net Loans Charged-off: All other loans and lease-1.0508%6,486
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 loans2.6321%418
Percentage Net Loans Charged-off: Total real estate loans2.8465%360
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 residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential3.1512%290
Percentage Net Loans Charged-off: Home equity loans5.5405%145
All other 1-4 family - Percent of loans charged-off, net2.0354%494
Percentage Net Loans Charged-off: Commercial and industrial1.0510%1,227
Percentage Net Loans Charged-off: Loans to individuals0.2967%2,592
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.2953%2,281
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 loans1.5414%1,426
Percentage Net Loans Charged-off: Total real estate loans1.6408%1,186
Percentage Net Loans Charged-off:Construction & development0.0000%3,381
Percentage Net Loans Charged-off: Commercial real estate0.0026%3,624
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential1.8349%734
Percentage Net Loans Charged-off: Home equity loans2.1994%438
All other 1-4 family - Percent of loans charged-off, net1.6543%845
Percentage Net Loans Charged-off: Commercial and industrial0.0063%4,713
Percentage Net Loans Charged-off: Loans to individuals0.8277%2,479
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 lease52.8960%62
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 loans1.0487%1,929
Percentage Net Loans Charged-off: Total real estate loans1.0837%1,653
Percentage Net Loans Charged-off:Construction & development0.0000%3,073
Percentage Net Loans Charged-off: Commercial real estate0.0176%3,095
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential1.2135%1,033
Percentage Net Loans Charged-off: Home equity loans1.4106%623
All other 1-4 family - Percent of loans charged-off, net1.1151%1,123
Percentage Net Loans Charged-off: Commercial and industrial0.0121%4,287
Percentage Net Loans Charged-off: Loans to individuals0.8073%2,376
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 lease65.8593%45
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 loans0.8214%2,199
Percentage Net Loans Charged-off: Total real estate loans0.7903%1,897
Percentage Net Loans Charged-off:Construction & development0.0000%2,687
Percentage Net Loans Charged-off: Commercial real estate0.0254%2,533
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.8889%1,294
Percentage Net Loans Charged-off: Home equity loans1.2601%612
All other 1-4 family - Percent of loans charged-off, net0.7052%1,468
Percentage Net Loans Charged-off: Commercial and industrial0.0229%3,763
Percentage Net Loans Charged-off: Loans to individuals1.1842%1,644
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 lease89.1884%28
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 loans1.5190%1,144
Percentage Net Loans Charged-off: Total real estate loans1.4945%973
Percentage Net Loans Charged-off:Construction & development0.0000%2,022
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,882
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential1.6904%660
Percentage Net Loans Charged-off: Home equity loans2.0516%373
All other 1-4 family - Percent of loans charged-off, net1.5131%719
Percentage Net Loans Charged-off: Commercial and industrial0.0667%2,663
Percentage Net Loans Charged-off: Loans to individuals1.2299%1,546
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 lease159.2760%16
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2009-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans1.9296%1,284
Percentage Net Loans Charged-off: Total real estate loans2.1053%991
Percentage Net Loans Charged-off:Construction & development0.0000%3,485
Percentage Net Loans Charged-off: Commercial real estate0.0000%3,404
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential2.3881%519
Percentage Net Loans Charged-off: Home equity loans1.7256%551
All other 1-4 family - Percent of loans charged-off, net2.7076%476
Percentage Net Loans Charged-off: Commercial and industrial-0.1002%7,325
Percentage Net Loans Charged-off: Loans to individuals1.9388%1,380
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%2,150
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2009-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans1.9918%989
Percentage Net Loans Charged-off: Total real estate loans2.1797%761
Percentage Net Loans Charged-off:Construction & development0.0000%3,101
Percentage Net Loans Charged-off: Commercial real estate0.0000%2,820
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential2.4736%428
Percentage Net Loans Charged-off: Home equity loans1.0233%703
All other 1-4 family - Percent of loans charged-off, net3.1693%322
Percentage Net Loans Charged-off: Commercial and industrial-0.1286%7,350
Percentage Net Loans Charged-off: Loans to individuals1.9643%1,282
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,898
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2009-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans2.2256%813
Percentage Net Loans Charged-off: Total real estate loans2.3513%633
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 residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential2.6747%362
Percentage Net Loans Charged-off: Home equity loans1.0039%600
All other 1-4 family - Percent of loans charged-off, net3.4702%256
Percentage Net Loans Charged-off: Commercial and industrial0.8844%2,127
Percentage Net Loans Charged-off: Loans to individuals2.0969%1,142
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 lease0.8511%808
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2009-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans2.4992%561
Percentage Net Loans Charged-off: Total real estate loans2.6133%431
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 residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential2.9858%254
Percentage Net Loans Charged-off: Home equity loans1.1351%408
All other 1-4 family - Percent of loans charged-off, net3.8644%191
Percentage Net Loans Charged-off: Commercial and industrial1.7178%1,062
Percentage Net Loans Charged-off: Loans to individuals1.5150%1,479
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 lease-1.7335%7,095
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2008-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.5947%2,048
Percentage Net Loans Charged-off: Total real estate loans0.4987%1,693
Percentage Net Loans Charged-off:Construction & development0.0000%2,850
Percentage Net Loans Charged-off: Commercial real estate0.0000%2,362
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.5852%1,072
Percentage Net Loans Charged-off: Home equity loans0.8995%500
All other 1-4 family - Percent of loans charged-off, net0.4371%1,263
Percentage Net Loans Charged-off: Commercial and industrial0.7988%2,096
Percentage Net Loans Charged-off: Loans to individuals2.0341%1,009
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 lease6.7243%267
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 loans0.3876%2,104
Percentage Net Loans Charged-off: Total real estate loans0.3193%1,615
Percentage Net Loans Charged-off:Construction & development0.0000%2,246
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,766
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.3770%1,139
Percentage Net Loans Charged-off: Home equity loans0.4777%569
All other 1-4 family - Percent of loans charged-off, net0.3294%1,160
Percentage Net Loans Charged-off: Commercial and industrial0.0906%3,322
Percentage Net Loans Charged-off: Loans to individuals2.2190%724
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 lease8.1095%184
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 loans0.1197%3,573
Percentage Net Loans Charged-off: Total real estate loans0.0577%2,823
Percentage Net Loans Charged-off:Construction & development0.0000%1,702
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,334
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.0688%2,166
Percentage Net Loans Charged-off: Home equity loans0.1265%733
All other 1-4 family - Percent of loans charged-off, net0.0409%2,208
Percentage Net Loans Charged-off: Commercial and industrial0.1388%2,525
Percentage Net Loans Charged-off: Loans to individuals1.4474%1,157
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 loans0.1267%2,717
Percentage Net Loans Charged-off: Total real estate loans0.1029%1,675
Percentage Net Loans Charged-off:Construction & development0.0000%1,119
Percentage Net Loans Charged-off: Commercial real estate0.0000%813
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.1231%1,302
Percentage Net Loans Charged-off: Home equity loans0.2600%402
All other 1-4 family - Percent of loans charged-off, net0.0566%1,466
Percentage Net Loans Charged-off: Commercial and industrial0.3140%1,423
Percentage Net Loans Charged-off: Loans to individuals0.2276%3,251
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 loans0.1743%2,901
Percentage Net Loans Charged-off: Total real estate loans0.1636%1,571
Percentage Net Loans Charged-off:Construction & development0.0000%1,563
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,679
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.1938%1,273
Percentage Net Loans Charged-off: Home equity loans0.5383%297
All other 1-4 family - Percent of loans charged-off, net0.0083%2,957
Percentage Net Loans Charged-off: Commercial and industrial-0.1089%7,541
Percentage Net Loans Charged-off: Loans to individuals0.9025%1,802
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 lease-1.2098%7,435
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 loans0.0497%4,189
Percentage Net Loans Charged-off: Total real estate loans0.0283%2,481
Percentage Net Loans Charged-off:Construction & development0.0000%1,085
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,176
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.0334%2,110
Percentage Net Loans Charged-off: Home equity loans0.0737%582
All other 1-4 family - Percent of loans charged-off, net0.0113%2,300
Percentage Net Loans Charged-off: Commercial and industrial-0.1500%7,542
Percentage Net Loans Charged-off: Loans to individuals0.7748%1,802
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 lease-1.7425%7,453
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 loans0.0885%2,930
Percentage Net Loans Charged-off: Total real estate loans0.0432%1,766
Percentage Net Loans Charged-off:Construction & development0.0000%770
Percentage Net Loans Charged-off: Commercial real estate0.0000%881
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.0506%1,528
Percentage Net Loans Charged-off: Home equity loans0.1097%402
All other 1-4 family - Percent of loans charged-off, net0.0174%1,753
Percentage Net Loans Charged-off: Commercial and industrial0.0000%2,722
Percentage Net Loans Charged-off: Loans to individuals0.9211%1,423
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 lease-0.3769%7,332
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 loans0.0674%2,654
Percentage Net Loans Charged-off: Total real estate loans0.0682%1,075
Percentage Net Loans Charged-off:Construction & development0.0000%444
Percentage Net Loans Charged-off: Commercial real estate0.0000%529
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.0794%983
Percentage Net Loans Charged-off: Home equity loans0.2161%230
All other 1-4 family - Percent of loans charged-off, net0.0000%1,345
Percentage Net Loans Charged-off: Commercial and industrial0.0000%1,846
Percentage Net Loans Charged-off: Loans to individuals0.1305%3,360
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 lease0.7793%458
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 loans-0.0257%8,012
Percentage Net Loans Charged-off: Total real estate loans0.0000%3,458
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 residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,928
Percentage Net Loans Charged-off: Home equity loans0.0000%709
All other 1-4 family - Percent of loans charged-off, net0.0000%2,723
Percentage Net Loans Charged-off: Commercial and industrial-0.4350%7,980
Percentage Net Loans Charged-off: Loans to individuals0.1110%5,025
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 lease1.6805%430
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 loans-0.0239%7,800
Percentage Net Loans Charged-off: Total real estate loans0.0000%2,897
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 residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,436
Percentage Net Loans Charged-off: Home equity loans0.0000%550
All other 1-4 family - Percent of loans charged-off, net0.0000%2,253
Percentage Net Loans Charged-off: Commercial and industrial-0.3621%7,923
Percentage Net Loans Charged-off: Loans to individuals0.0722%4,825
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.6102%639
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 loans0.0088%4,831
Percentage Net Loans Charged-off: Total real estate loans0.0000%2,437
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 residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,021
Percentage Net Loans Charged-off: Home equity loans0.0000%426
All other 1-4 family - Percent of loans charged-off, net0.0000%1,880
Percentage Net Loans Charged-off: Commercial and industrial0.0000%2,652
Percentage Net Loans Charged-off: Loans to individuals0.1143%4,170
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 lease0.8465%502
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 loans0.0187%3,649
Percentage Net Loans Charged-off: Total real estate loans0.0000%1,638
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 residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,349
Percentage Net Loans Charged-off: Home equity loans0.0000%311
All other 1-4 family - Percent of loans charged-off, net0.0000%1,244
Percentage Net Loans Charged-off: Commercial and industrial0.0000%1,732
Percentage Net Loans Charged-off: Loans to individuals-0.0159%6,764
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 lease6.1538%139
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 loans0.0283%5,396
Percentage Net Loans Charged-off: Total real estate loans0.0360%2,264
Percentage Net Loans Charged-off:Construction & development0.0000%694
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,340
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.0402%2,180
Percentage Net Loans Charged-off: Home equity loans0.1096%405
All other 1-4 family - Percent of loans charged-off, net0.0193%2,431
Percentage Net Loans Charged-off: Commercial and industrial-0.0486%7,380
Percentage Net Loans Charged-off: Loans to individuals-0.0047%7,720
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 lease0.0359%1,477
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 loans0.0359%4,643
Percentage Net Loans Charged-off: Total real estate loans0.0486%1,703
Percentage Net Loans Charged-off:Construction & development0.0000%541
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,046
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.0545%1,679
Percentage Net Loans Charged-off: Home equity loans0.1489%277
All other 1-4 family - Percent of loans charged-off, net0.0262%1,966
Percentage Net Loans Charged-off: Commercial and industrial-0.0259%7,060
Percentage Net Loans Charged-off: Loans to individuals-0.1428%7,957
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 lease-0.0450%7,151
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 loans0.0360%4,261
Percentage Net Loans Charged-off: Total real estate loans0.0799%1,191
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 residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.0897%1,174
Percentage Net Loans Charged-off: Home equity loans0.2532%184
All other 1-4 family - Percent of loans charged-off, net0.0402%1,510
Percentage Net Loans Charged-off: Commercial and industrial-0.2997%7,849
Percentage Net Loans Charged-off: Loans to individuals-0.3782%8,170
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 lease-0.0589%7,162
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%20
2005-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1594%1,874
Percentage Net Loans Charged-off: Total real estate loans0.1680%587
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 residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.1894%644
Percentage Net Loans Charged-off: Home equity loans0.5190%101
All other 1-4 family - Percent of loans charged-off, net0.0855%901
Percentage Net Loans Charged-off: Commercial and industrial0.0802%1,708
Percentage Net Loans Charged-off: Loans to individuals0.1471%3,788
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 loans0.0321%5,726
Percentage Net Loans Charged-off: Total real estate loans0.0380%2,570
Percentage Net Loans Charged-off:Construction & development0.0000%758
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,548
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.0437%2,277
Percentage Net Loans Charged-off: Home equity loans0.1505%344
All other 1-4 family - Percent of loans charged-off, net0.0000%3,066
Percentage Net Loans Charged-off: Commercial and industrial-0.0269%7,359
Percentage Net Loans Charged-off: Loans to individuals0.0412%6,357
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 loans0.0492%4,729
Percentage Net Loans Charged-off: Total real estate loans0.0533%1,892
Percentage Net Loans Charged-off:Construction & development0.0000%604
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,213
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.0615%1,725
Percentage Net Loans Charged-off: Home equity loans0.2025%245
All other 1-4 family - Percent of loans charged-off, net0.0000%2,599
Percentage Net Loans Charged-off: Commercial and industrial0.0291%3,429
Percentage Net Loans Charged-off: Loans to individuals0.0113%6,076
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 lease-0.0696%7,306
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 loans0.0818%3,733
Percentage Net Loans Charged-off: Total real estate loans0.0849%1,359
Percentage Net Loans Charged-off:Construction & development0.0000%464
Percentage Net Loans Charged-off: Commercial real estate0.0000%953
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.0978%1,231
Percentage Net Loans Charged-off: Home equity loans0.3122%156
All other 1-4 family - Percent of loans charged-off, net0.0000%2,147
Percentage Net Loans Charged-off: Commercial and industrial0.0540%2,779
Percentage Net Loans Charged-off: Loans to individuals0.1143%5,079
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 lease-0.1003%7,381
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%19
2004-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1712%2,157
Percentage Net Loans Charged-off: Total real estate loans0.1769%693
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 residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.2043%668
Percentage Net Loans Charged-off: Home equity loans0.6439%78
All other 1-4 family - Percent of loans charged-off, net0.0000%1,471
Percentage Net Loans Charged-off: Commercial and industrial0.1155%1,790
Percentage Net Loans Charged-off: Loans to individuals0.2176%3,887
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 loans0.1011%4,764
Percentage Net Loans Charged-off: Total real estate loans0.0132%3,491
Percentage Net Loans Charged-off:Construction & development0.0000%836
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,593
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.0153%3,017
Percentage Net Loans Charged-off: Home equity loans0.0000%639
All other 1-4 family - Percent of loans charged-off, net0.0219%2,749
Percentage Net Loans Charged-off: Commercial and industrial0.7316%2,122
Percentage Net Loans Charged-off: Loans to individuals0.4298%4,591
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 loans0.1078%4,162
Percentage Net Loans Charged-off: Total real estate loans0.0179%2,807
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 residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.0208%2,417
Percentage Net Loans Charged-off: Home equity loans0.0000%519
All other 1-4 family - Percent of loans charged-off, net0.0296%2,184
Percentage Net Loans Charged-off: Commercial and industrial0.8488%1,595
Percentage Net Loans Charged-off: Loans to individuals0.3222%4,710
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 loans0.0990%3,997
Percentage Net Loans Charged-off: Total real estate loans0.0271%2,221
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 residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.0315%1,872
Percentage Net Loans Charged-off: Home equity loans0.0000%421
All other 1-4 family - Percent of loans charged-off, net0.0447%1,673
Percentage Net Loans Charged-off: Commercial and industrial0.7306%1,598
Percentage Net Loans Charged-off: Loans to individuals0.0000%6,001
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 lease2.8554%299
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-0.0051%7,431
Percentage Net Loans Charged-off: Total real estate loans0.0000%2,066
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 residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,648
Percentage Net Loans Charged-off: Home equity loans0.0000%277
All other 1-4 family - Percent of loans charged-off, net0.0000%1,550
Percentage Net Loans Charged-off: Commercial and industrial-0.0664%7,656
Percentage Net Loans Charged-off: Loans to individuals0.0242%4,973
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 loans0.0942%5,261
Percentage Net Loans Charged-off: Total real estate loans0.0058%3,874
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 residential0.0072%3,216
Percentage Net Loans Charged-off: Home equity loans0.0276%541
All other 1-4 family - Percent of loans charged-off, net-0.0010%8,261
Percentage Net Loans Charged-off: Commercial and industrial0.6137%2,562
Percentage Net Loans Charged-off: Loans to individuals0.1431%6,346
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 loans-0.0084%8,808
Percentage Net Loans Charged-off: Total real estate loans0.0000%3,994
Percentage Net Loans Charged-off:Construction & development0.0000%831
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,436
Percentage Net Loans Charged-off: Multi-family residential0.0000%192
Percentage Net Loans Charged-off: 1-4 family residential0.0000%3,307
Percentage Net Loans Charged-off: Home equity loans0.0000%610
All other 1-4 family - Percent of loans charged-off, net0.0000%3,123
Percentage Net Loans Charged-off: Commercial and industrial-0.0619%8,288
Percentage Net Loans Charged-off: Loans to individuals0.0164%7,205
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 loans0.0189%6,767
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1999-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0000%7,897
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1998-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0010%9,051
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1997-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0000%8,512
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1996-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0374%10,393
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1995-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0380%7,327
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1994-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0982%11,400
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1993-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0828%12,022
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1992-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.9964%2,098
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA