Home > The Security National Bank and Trust Co. > Net charge- offs to loans
The Security National Bank and Trust Co., Net charge- offs to loans
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3569% | 1,851 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3974% | 1,111 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,702 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4820% | 463 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4840% | 795 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2770% | 587 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5356% | 689 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1241% | 2,577 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9776% | 1,754 |
| Percentage Net Loans Charged-off: Credit card loans | 2.5014% | 501 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0821% | 1,197 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4607% | 1,126 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5679% | 600 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,119 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7495% | 216 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6384% | 486 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1545% | 464 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7562% | 395 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0166% | 2,143 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3483% | 1,179 |
| Percentage Net Loans Charged-off: Credit card loans | 2.4307% | 456 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0695% | 942 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4006% | 1,403 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3574% | 802 |
| Percentage Net Loans Charged-off:Construction & development | 0.9094% | 475 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,679 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6292% | 426 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5542% | 287 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6469% | 405 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4540% | 1,989 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8376% | 1,968 |
| Percentage Net Loans Charged-off: Credit card loans | 2.1398% | 570 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1625% | 1,240 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4559% | 870 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3714% | 471 |
| Percentage Net Loans Charged-off:Construction & development | 1.1693% | 224 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0133% | 7,885 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6383% | 299 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6921% | 177 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6258% | 303 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6086% | 1,323 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7496% | 1,876 |
| Percentage Net Loans Charged-off: Credit card loans | 0.9588% | 845 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1660% | 1,073 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3720% | 976 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2650% | 589 |
| Percentage Net Loans Charged-off:Construction & development | 1.8790% | 107 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0138% | 7,922 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3269% | 548 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8571% | 127 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2043% | 722 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5588% | 1,159 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7283% | 1,785 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3630% | 649 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0488% | 1,205 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0283% | 3,458 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0641% | 1,106 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 444 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0118% | 7,992 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1356% | 778 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1737% | 259 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1269% | 744 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3794% | 7,806 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0375% | 1,219 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7941% | 538 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 964 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0671% | 3,959 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0059% | 7,793 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0373% | 8,056 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.6505% | 6,287 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1097% | 1,350 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0559% | 6,064 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1516% | 1,033 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1490% | 7,654 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0694% | 1,358 |
| Percentage Net Loans Charged-off: Credit card loans | 2.6925% | 425 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2099% | 1,052 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0555% | 3,618 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0288% | 8,105 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0870% | 8,211 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0151% | 2,150 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0889% | 6,074 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0420% | 1,637 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1089% | 7,496 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1831% | 1,059 |
| Percentage Net Loans Charged-off: Credit card loans | 2.6309% | 421 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1107% | 7,248 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0557% | 3,300 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0384% | 8,172 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0988% | 8,260 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0048% | 1,956 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0769% | 6,035 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0265% | 1,539 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0462% | 7,047 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1743% | 1,062 |
| Percentage Net Loans Charged-off: Credit card loans | 2.5163% | 435 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.2741% | 7,386 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0411% | 3,027 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0780% | 8,357 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1901% | 8,347 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,349 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0598% | 5,996 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0164% | 1,115 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1032% | 7,352 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2708% | 1,009 |
| Percentage Net Loans Charged-off: Credit card loans | 2.4525% | 438 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0201% | 6,959 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2804% | 1,695 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0098% | 7,920 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0168% | 1,198 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0367% | 8,283 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0343% | 6,038 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0375% | 8,254 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4776% | 1,951 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7559% | 837 |
| Percentage Net Loans Charged-off: Credit card loans | 3.6684% | 434 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1576% | 1,162 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1308% | 2,685 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0466% | 8,301 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0101% | 969 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1088% | 8,459 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0135% | 5,967 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1373% | 8,459 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0957% | 2,803 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4059% | 1,037 |
| Percentage Net Loans Charged-off: Credit card loans | 3.4794% | 414 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,405 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0586% | 3,677 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0718% | 8,377 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0116% | 8,086 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1423% | 8,488 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1849% | 8,500 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2396% | 7,761 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6065% | 865 |
| Percentage Net Loans Charged-off: Credit card loans | 4.0880% | 364 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,156 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0777% | 8,051 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,814 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0098% | 8,223 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0093% | 1,441 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0120% | 1,291 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.9886% | 8,233 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5145% | 971 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3092% | 539 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 839 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2192% | 2,546 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1706% | 1,077 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4913% | 441 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0911% | 8,565 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1162% | 8,585 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1542% | 7,850 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2169% | 1,623 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2353% | 886 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2330% | 1,077 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1174% | 3,384 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0423% | 2,118 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2931% | 477 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1766% | 8,690 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0047% | 540 |
| All other 1-4 family - Percent of loans charged-off, net | -0.2255% | 8,695 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2011% | 7,872 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1794% | 1,525 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2048% | 838 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,414 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0689% | 3,956 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0073% | 2,571 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0150% | 2,022 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0072% | 415 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0172% | 1,868 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1547% | 7,711 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8584% | 2,172 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5274% | 999 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,207 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0046% | 4,971 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0029% | 7,883 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0060% | 8,121 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0075% | 8,163 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.5846% | 8,205 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1800% | 1,565 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3117% | 902 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 887 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4963% | 1,475 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1309% | 1,553 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2106% | 801 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0864% | 1,883 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1100% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0817% | 1,904 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1793% | 1,494 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4497% | 1,425 |
| Percentage Net Loans Charged-off: Credit card loans | 2.6538% | 969 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,856 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1527% | 3,514 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1231% | 1,356 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2820% | 563 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0131% | 2,586 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0156% | 2,414 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3508% | 8,333 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2851% | 1,572 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2010% | 1,068 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,617 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0650% | 4,631 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0062% | 2,755 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 978 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0123% | 2,176 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0145% | 2,044 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3659% | 8,299 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1888% | 1,707 |
| Percentage Net Loans Charged-off: Credit card loans | 2.4416% | 896 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,407 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0328% | 4,571 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,066 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 618 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,648 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,550 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.5223% | 8,404 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2178% | 1,619 |
| Percentage Net Loans Charged-off: Credit card loans | 3.1522% | 697 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2934% | 2,776 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0119% | 3,613 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,573 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0219% | 2,839 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1027% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0123% | 2,919 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6719% | 2,435 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1884% | 1,940 |
| Percentage Net Loans Charged-off: Credit card loans | 3.0279% | 935 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3314% | 1,212 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2834% | 2,821 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0091% | 3,531 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0158% | 2,804 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1997% | 309 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,123 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6418% | 2,370 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1192% | 1,953 |
| Percentage Net Loans Charged-off: Credit card loans | 2.0494% | 1,247 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1158% | 1,511 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9532% | 598 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0086% | 790 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 426 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0145% | 698 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0155% | 641 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.5347% | 60 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6779% | 617 |
| Percentage Net Loans Charged-off: Credit card loans | 1.6594% | 586 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 385 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2470% | 2,715 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0089% | 857 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 415 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0144% | 805 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0153% | 750 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3567% | 493 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9197% | 489 |
| Percentage Net Loans Charged-off: Credit card loans | 2.0897% | 524 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 415 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3783% | 1,979 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 971 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 457 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 939 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 883 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7663% | 236 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0698% | 451 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7276% | 668 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0244% | 1,252 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4810% | 1,623 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,004 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 477 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,009 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 952 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2235% | 137 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9392% | 587 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0714% | 852 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0073% | 1,171 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5052% | 1,738 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,050 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 559 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 995 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4454% | 125 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7123% | 714 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4432% | 780 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0454% | 1,239 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1919% | 3,991 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,049 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 615 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,034 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 989 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2064% | 509 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5282% | 754 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4012% | 693 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 433 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1388% | 4,956 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0169% | 913 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 668 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0189% | 815 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0201% | 759 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0839% | 630 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4240% | 713 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2412% | 649 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 371 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2773% | 4,442 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0057% | 1,162 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 834 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0065% | 1,036 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0070% | 979 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4911% | 548 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3493% | 899 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0567% | 755 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 423 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3410% | 5,622 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0080% | 1,272 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 639 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 967 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 418 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0092% | 1,078 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0100% | 1,010 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5659% | 764 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5596% | 910 |
| Percentage Net Loans Charged-off: Credit card loans | 1.6111% | 720 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 479 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |