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TierOne Bank, Net charge- offs to loans

2010-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans2.8579%554
Percentage Net Loans Charged-off: Total real estate loans3.1133%448
Percentage Net Loans Charged-off:Construction & development9.6355%455
Percentage Net Loans Charged-off: Commercial real estate1.0407%743
Percentage Net Loans Charged-off: Multi-family residential0.0181%448
Percentage Net Loans Charged-off: 1-4 family residential1.5585%718
Percentage Net Loans Charged-off: Home equity loans1.0050%556
All other 1-4 family - Percent of loans charged-off, net1.6660%657
Percentage Net Loans Charged-off: Commercial and industrial1.6423%1,215
Percentage Net Loans Charged-off: Loans to individuals1.7882%1,113
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,171
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2009-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans7.6823%90
Percentage Net Loans Charged-off: Total real estate loans9.0250%63
Percentage Net Loans Charged-off:Construction & development25.5611%120
Percentage Net Loans Charged-off: Commercial real estate0.7061%1,457
Percentage Net Loans Charged-off: Multi-family residential4.5813%260
Percentage Net Loans Charged-off: 1-4 family residential1.3385%1,003
Percentage Net Loans Charged-off: Home equity loans1.6041%598
All other 1-4 family - Percent of loans charged-off, net1.2888%1,007
Percentage Net Loans Charged-off: Commercial and industrial2.4062%1,627
Percentage Net Loans Charged-off: Loans to individuals0.8288%3,120
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 loans8.2006%80
Percentage Net Loans Charged-off: Total real estate loans9.7653%52
Percentage Net Loans Charged-off:Construction & development28.0574%90
Percentage Net Loans Charged-off: Commercial real estate0.5663%1,254
Percentage Net Loans Charged-off: Multi-family residential2.1916%294
Percentage Net Loans Charged-off: 1-4 family residential0.8744%1,201
Percentage Net Loans Charged-off: Home equity loans1.7150%485
All other 1-4 family - Percent of loans charged-off, net0.7179%1,319
Percentage Net Loans Charged-off: Commercial and industrial1.7831%1,683
Percentage Net Loans Charged-off: Loans to individuals0.7326%3,075
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 loans3.8324%380
Percentage Net Loans Charged-off: Total real estate loans4.5939%240
Percentage Net Loans Charged-off:Construction & development12.3222%344
Percentage Net Loans Charged-off: Commercial real estate0.0000%2,247
Percentage Net Loans Charged-off: Multi-family residential1.7676%256
Percentage Net Loans Charged-off: 1-4 family residential0.7502%1,196
Percentage Net Loans Charged-off: Home equity loans2.2776%320
All other 1-4 family - Percent of loans charged-off, net0.4700%1,542
Percentage Net Loans Charged-off: Commercial and industrial0.4631%2,732
Percentage Net Loans Charged-off: Loans to individuals0.5726%3,287
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,633
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2009-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans2.3284%626
Percentage Net Loans Charged-off: Total real estate loans2.7403%409
Percentage Net Loans Charged-off:Construction & development7.3223%403
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 residential0.6292%1,056
Percentage Net Loans Charged-off: Home equity loans2.2623%261
All other 1-4 family - Percent of loans charged-off, net0.3312%1,419
Percentage Net Loans Charged-off: Commercial and industrial0.4690%1,910
Percentage Net Loans Charged-off: Loans to individuals0.6517%2,631
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,234
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2008-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans3.1000%281
Percentage Net Loans Charged-off: Total real estate loans3.6568%164
Percentage Net Loans Charged-off:Construction & development7.6340%289
Percentage Net Loans Charged-off: Commercial real estate0.0111%2,262
Percentage Net Loans Charged-off: Multi-family residential0.0715%500
Percentage Net Loans Charged-off: 1-4 family residential1.3867%431
Percentage Net Loans Charged-off: Home equity loans1.1805%396
All other 1-4 family - Percent of loans charged-off, net1.4273%401
Percentage Net Loans Charged-off: Commercial and industrial0.6717%2,323
Percentage Net Loans Charged-off: Loans to individuals0.4018%4,103
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,901
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2008-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans3.6308%142
Percentage Net Loans Charged-off: Total real estate loans4.2660%63
Percentage Net Loans Charged-off:Construction & development8.5136%164
Percentage Net Loans Charged-off: Commercial real estate0.0149%1,637
Percentage Net Loans Charged-off: Multi-family residential0.1005%328
Percentage Net Loans Charged-off: 1-4 family residential1.7502%243
Percentage Net Loans Charged-off: Home equity loans1.2040%310
All other 1-4 family - Percent of loans charged-off, net1.8598%225
Percentage Net Loans Charged-off: Commercial and industrial0.8865%1,441
Percentage Net Loans Charged-off: Loans to individuals0.4019%3,566
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,634
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2008-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans4.8405%68
Percentage Net Loans Charged-off: Total real estate loans5.5997%31
Percentage Net Loans Charged-off:Construction & development10.8310%105
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,334
Percentage Net Loans Charged-off: Multi-family residential0.1592%198
Percentage Net Loans Charged-off: 1-4 family residential2.4481%148
Percentage Net Loans Charged-off: Home equity loans1.3538%243
All other 1-4 family - Percent of loans charged-off, net2.6670%128
Percentage Net Loans Charged-off: Commercial and industrial1.7507%699
Percentage Net Loans Charged-off: Loans to individuals0.4925%2,893
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,409
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2008-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans3.9003%104
Percentage Net Loans Charged-off: Total real estate loans4.6410%50
Percentage Net Loans Charged-off:Construction & development8.2160%91
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 residential2.8672%100
Percentage Net Loans Charged-off: Home equity loans0.0000%563
All other 1-4 family - Percent of loans charged-off, net3.4357%80
Percentage Net Loans Charged-off: Commercial and industrial0.5474%1,135
Percentage Net Loans Charged-off: Loans to individuals0.2584%3,145
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,048
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans1.0705%436
Percentage Net Loans Charged-off: Total real estate loans1.1836%194
Percentage Net Loans Charged-off:Construction & development2.2787%212
Percentage Net Loans Charged-off: Commercial real estate0.3230%619
Percentage Net Loans Charged-off: Multi-family residential0.0322%262
Percentage Net Loans Charged-off: 1-4 family residential0.2447%1,085
Percentage Net Loans Charged-off: Home equity loans0.7553%217
All other 1-4 family - Percent of loans charged-off, net0.1484%1,472
Percentage Net Loans Charged-off: Commercial and industrial0.5739%1,736
Percentage Net Loans Charged-off: Loans to individuals0.3396%3,838
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%1,751
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1575%2,394
Percentage Net Loans Charged-off: Total real estate loans0.0818%1,676
Percentage Net Loans Charged-off:Construction & development0.0593%844
Percentage Net Loans Charged-off: Commercial real estate-0.0472%8,025
Percentage Net Loans Charged-off: Multi-family residential0.0000%199
Percentage Net Loans Charged-off: 1-4 family residential0.2030%902
Percentage Net Loans Charged-off: Home equity loans0.5260%220
All other 1-4 family - Percent of loans charged-off, net0.1428%1,091
Percentage Net Loans Charged-off: Commercial and industrial0.6639%1,252
Percentage Net Loans Charged-off: Loans to individuals0.3615%3,267
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,521
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1056%2,673
Percentage Net Loans Charged-off: Total real estate loans0.0709%1,451
Percentage Net Loans Charged-off:Construction & development0.0720%574
Percentage Net Loans Charged-off: Commercial real estate-0.0720%8,105
Percentage Net Loans Charged-off: Multi-family residential0.0000%143
Percentage Net Loans Charged-off: 1-4 family residential0.1627%903
Percentage Net Loans Charged-off: Home equity loans0.4768%207
All other 1-4 family - Percent of loans charged-off, net0.1050%1,077
Percentage Net Loans Charged-off: Commercial and industrial0.2178%1,784
Percentage Net Loans Charged-off: Loans to individuals0.4405%2,603
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,336
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0907%2,330
Percentage Net Loans Charged-off: Total real estate loans0.0603%1,131
Percentage Net Loans Charged-off:Construction & development0.0916%318
Percentage Net Loans Charged-off: Commercial real estate0.0000%529
Percentage Net Loans Charged-off: Multi-family residential0.0000%76
Percentage Net Loans Charged-off: 1-4 family residential0.0611%1,064
Percentage Net Loans Charged-off: Home equity loans0.1402%279
All other 1-4 family - Percent of loans charged-off, net0.0464%1,047
Percentage Net Loans Charged-off: Commercial and industrial0.1159%1,480
Percentage Net Loans Charged-off: Loans to individuals0.5215%2,090
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%964
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1281%2,796
Percentage Net Loans Charged-off: Total real estate loans0.0778%1,564
Percentage Net Loans Charged-off:Construction & development0.0866%520
Percentage Net Loans Charged-off: Commercial real estate0.0030%1,284
Percentage Net Loans Charged-off: Multi-family residential0.0000%200
Percentage Net Loans Charged-off: 1-4 family residential0.1214%1,245
Percentage Net Loans Charged-off: Home equity loans0.2939%251
All other 1-4 family - Percent of loans charged-off, net0.0894%1,454
Percentage Net Loans Charged-off: Commercial and industrial0.4372%1,747
Percentage Net Loans Charged-off: Loans to individuals0.4126%3,275
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 RENANA
2006-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1271%2,282
Percentage Net Loans Charged-off: Total real estate loans0.0806%1,231
Percentage Net Loans Charged-off:Construction & development0.1006%360
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 residential0.1151%1,063
Percentage Net Loans Charged-off: Home equity loans0.2321%222
All other 1-4 family - Percent of loans charged-off, net0.0935%1,185
Percentage Net Loans Charged-off: Commercial and industrial0.4285%1,410
Percentage Net Loans Charged-off: Loans to individuals0.3816%3,052
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 RENANA
2006-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1268%2,144
Percentage Net Loans Charged-off: Total real estate loans0.0869%1,065
Percentage Net Loans Charged-off:Construction & development0.1413%235
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 residential0.0885%1,107
Percentage Net Loans Charged-off: Home equity loans0.0646%323
All other 1-4 family - Percent of loans charged-off, net0.0929%1,032
Percentage Net Loans Charged-off: Commercial and industrial0.3918%1,304
Percentage Net Loans Charged-off: Loans to individuals0.3481%2,951
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 RENANA
2006-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0582%2,681
Percentage Net Loans Charged-off: Total real estate loans0.0354%1,145
Percentage Net Loans Charged-off:Construction & development0.0104%239
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 residential0.0870%817
Percentage Net Loans Charged-off: Home equity loans0.0713%238
All other 1-4 family - Percent of loans charged-off, net0.0898%762
Percentage Net Loans Charged-off: Commercial and industrial0.0535%1,530
Percentage Net Loans Charged-off: Loans to individuals0.4688%2,243
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 RENANA
2005-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0863%3,921
Percentage Net Loans Charged-off: Total real estate loans0.0535%1,878
Percentage Net Loans Charged-off:Construction & development0.0101%627
Percentage Net Loans Charged-off: Commercial real estate-0.0017%7,904
Percentage Net Loans Charged-off: Multi-family residential0.4814%91
Percentage Net Loans Charged-off: 1-4 family residential0.0484%2,048
Percentage Net Loans Charged-off: Home equity loans0.0124%645
All other 1-4 family - Percent of loans charged-off, net0.0543%1,866
Percentage Net Loans Charged-off: Commercial and industrial0.2574%2,567
Percentage Net Loans Charged-off: Loans to individuals0.4288%3,897
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 RENANA
2005-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0862%3,383
Percentage Net Loans Charged-off: Total real estate loans0.0647%1,484
Percentage Net Loans Charged-off:Construction & development0.0068%504
Percentage Net Loans Charged-off: Commercial real estate-0.0022%7,924
Percentage Net Loans Charged-off: Multi-family residential0.6587%64
Percentage Net Loans Charged-off: 1-4 family residential0.0522%1,712
Percentage Net Loans Charged-off: Home equity loans0.0128%523
All other 1-4 family - Percent of loans charged-off, net0.0584%1,551
Percentage Net Loans Charged-off: Commercial and industrial0.1093%2,733
Percentage Net Loans Charged-off: Loans to individuals0.4845%3,173
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 RENANA
2005-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0878%3,085
Percentage Net Loans Charged-off: Total real estate loans0.0798%1,192
Percentage Net Loans Charged-off:Construction & development0.0142%382
Percentage Net Loans Charged-off: Commercial real estate-0.0060%8,032
Percentage Net Loans Charged-off: Multi-family residential1.0662%40
Percentage Net Loans Charged-off: 1-4 family residential0.0355%1,655
Percentage Net Loans Charged-off: Home equity loans-0.0151%5,912
All other 1-4 family - Percent of loans charged-off, net0.0434%1,475
Percentage Net Loans Charged-off: Commercial and industrial0.0324%2,708
Percentage Net Loans Charged-off: Loans to individuals0.3603%3,430
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 RENANA
2005-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0551%3,142
Percentage Net Loans Charged-off: Total real estate loans0.0286%1,379
Percentage Net Loans Charged-off:Construction & development0.0177%218
Percentage Net Loans Charged-off: Commercial real estate-0.0119%8,238
Percentage Net Loans Charged-off: Multi-family residential0.0000%61
Percentage Net Loans Charged-off: 1-4 family residential0.0581%1,091
Percentage Net Loans Charged-off: Home equity loans-0.0306%5,936
All other 1-4 family - Percent of loans charged-off, net0.0720%951
Percentage Net Loans Charged-off: Commercial and industrial0.0674%1,741
Percentage Net Loans Charged-off: Loans to individuals0.5965%2,289
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 RENANA
2004-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0823%4,537
Percentage Net Loans Charged-off: Total real estate loans0.0390%2,540
Percentage Net Loans Charged-off:Construction & development0.0304%632
Percentage Net Loans Charged-off: Commercial real estate-0.0066%8,193
Percentage Net Loans Charged-off: Multi-family residential0.0000%197
Percentage Net Loans Charged-off: 1-4 family residential0.0633%2,007
Percentage Net Loans Charged-off: Home equity loans0.0245%569
All other 1-4 family - Percent of loans charged-off, net0.0685%1,875
Percentage Net Loans Charged-off: Commercial and industrial0.0708%3,788
Percentage Net Loans Charged-off: Loans to individuals0.8444%2,456
Percentage Net Loans Charged-off: Credit card loans0.0000%1,629
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,643
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0718%4,174
Percentage Net Loans Charged-off: Total real estate loans0.0318%2,328
Percentage Net Loans Charged-off:Construction & development0.0287%520
Percentage Net Loans Charged-off: Commercial real estate-0.0095%8,258
Percentage Net Loans Charged-off: Multi-family residential0.0000%155
Percentage Net Loans Charged-off: 1-4 family residential0.0503%1,857
Percentage Net Loans Charged-off: Home equity loans0.0357%452
All other 1-4 family - Percent of loans charged-off, net0.0523%1,754
Percentage Net Loans Charged-off: Commercial and industrial0.0849%3,096
Percentage Net Loans Charged-off: Loans to individuals0.7145%2,622
Percentage Net Loans Charged-off: Credit card loans0.0000%1,504
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,414
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0713%3,912
Percentage Net Loans Charged-off: Total real estate loans0.0355%1,974
Percentage Net Loans Charged-off:Construction & development0.0385%382
Percentage Net Loans Charged-off: Commercial real estate-0.0156%8,388
Percentage Net Loans Charged-off: Multi-family residential0.0000%116
Percentage Net Loans Charged-off: 1-4 family residential0.0542%1,577
Percentage Net Loans Charged-off: Home equity loans0.0016%423
All other 1-4 family - Percent of loans charged-off, net0.0609%1,444
Percentage Net Loans Charged-off: Commercial and industrial0.0000%3,054
Percentage Net Loans Charged-off: Loans to individuals0.6619%2,677
Percentage Net Loans Charged-off: Credit card loans0.0000%1,362
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,207
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0840%3,101
Percentage Net Loans Charged-off: Total real estate loans0.0423%1,394
Percentage Net Loans Charged-off:Construction & development0.0826%219
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 residential0.0481%1,237
Percentage Net Loans Charged-off: Home equity loans0.0033%288
All other 1-4 family - Percent of loans charged-off, net0.0538%1,125
Percentage Net Loans Charged-off: Commercial and industrial0.0000%2,138
Percentage Net Loans Charged-off: Loans to individuals0.6770%2,466
Percentage Net Loans Charged-off: Credit card loans0.0000%1,093
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%887
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0928%4,919
Percentage Net Loans Charged-off: Total real estate loans0.0418%2,714
Percentage Net Loans Charged-off:Construction & development0.0049%815
Percentage Net Loans Charged-off: Commercial real estate0.0973%1,113
Percentage Net Loans Charged-off: Multi-family residential0.0000%186
Percentage Net Loans Charged-off: 1-4 family residential0.0362%2,582
Percentage Net Loans Charged-off: Home equity loans0.1268%378
All other 1-4 family - Percent of loans charged-off, net0.0252%2,687
Percentage Net Loans Charged-off: Commercial and industrial0.0099%4,701
Percentage Net Loans Charged-off: Loans to individuals0.5562%3,974
Percentage Net Loans Charged-off: Credit card loans0.0000%1,842
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,856
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0780%4,736
Percentage Net Loans Charged-off: Total real estate loans0.0411%2,293
Percentage Net Loans Charged-off:Construction & development0.0067%641
Percentage Net Loans Charged-off: Commercial real estate0.1310%807
Percentage Net Loans Charged-off: Multi-family residential0.0000%138
Percentage Net Loans Charged-off: 1-4 family residential0.0227%2,384
Percentage Net Loans Charged-off: Home equity loans0.0582%386
All other 1-4 family - Percent of loans charged-off, net0.0185%2,349
Percentage Net Loans Charged-off: Commercial and industrial0.0140%4,086
Percentage Net Loans Charged-off: Loans to individuals0.4084%4,239
Percentage Net Loans Charged-off: Credit card loans0.0000%1,741
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,617
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0490%5,002
Percentage Net Loans Charged-off: Total real estate loans0.0118%2,570
Percentage Net Loans Charged-off:Construction & development0.0105%499
Percentage Net Loans Charged-off: Commercial real estate0.0240%882
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential0.0091%2,247
Percentage Net Loans Charged-off: Home equity loans0.0899%293
All other 1-4 family - Percent of loans charged-off, net0.0000%2,287
Percentage Net Loans Charged-off: Commercial and industrial0.0239%3,434
Percentage Net Loans Charged-off: Loans to individuals0.3747%4,091
Percentage Net Loans Charged-off: Credit card loans0.0000%1,566
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,407
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0641%3,910
Percentage Net Loans Charged-off: Total real estate loans0.0147%1,797
Percentage Net Loans Charged-off:Construction & development0.0210%302
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 residential0.0194%1,454
Percentage Net Loans Charged-off: Home equity loans0.1861%153
All other 1-4 family - Percent of loans charged-off, net0.0000%1,550
Percentage Net Loans Charged-off: Commercial and industrial0.0000%2,449
Percentage Net Loans Charged-off: Loans to individuals0.4849%3,236
Percentage Net Loans Charged-off: Credit card loans0.0000%1,250
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%993
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2002-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0687%5,761
Percentage Net Loans Charged-off: Total real estate loans0.0055%3,887
Percentage Net Loans Charged-off:Construction & development0.0089%839
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 residential0.0069%3,223
Percentage Net Loans Charged-off: Home equity loans0.0491%501
All other 1-4 family - Percent of loans charged-off, net0.0021%3,198
Percentage Net Loans Charged-off: Commercial and industrial0.5881%2,639
Percentage Net Loans Charged-off: Loans to individuals0.4693%4,460
Percentage Net Loans Charged-off: Credit card loans-0.0757%2,866
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,956
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2001-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0386%6,479
Percentage Net Loans Charged-off: Total real estate loans0.0036%3,813
Percentage Net Loans Charged-off:Construction & development0.0045%819
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 residential0.0048%3,153
Percentage Net Loans Charged-off: Home equity loans0.0000%610
All other 1-4 family - Percent of loans charged-off, net0.0052%2,967
Percentage Net Loans Charged-off: Commercial and industrial0.0000%4,805
Percentage Net Loans Charged-off: Loans to individuals0.2574%5,608
Percentage Net Loans Charged-off: Credit card loans-0.5420%5,446
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,876
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2000-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0169%6,861
Percentage Net Loans Charged-off: Total real estate loans0.0064%831
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 residential0.0092%764
Percentage Net Loans Charged-off: Home equity loans0.0000%364
All other 1-4 family - Percent of loans charged-off, net0.0098%711
Percentage Net Loans Charged-off: Commercial and industrial0.0000%1,037
Percentage Net Loans Charged-off: Loans to individuals0.0804%1,269
Percentage Net Loans Charged-off: Credit card loans-3.7106%1,346
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%385
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1999-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0113%7,447
Percentage Net Loans Charged-off: Total real estate loans0.0007%1,005
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 residential0.0010%986
Percentage Net Loans Charged-off: Home equity loans0.0063%355
All other 1-4 family - Percent of loans charged-off, net0.0007%939
Percentage Net Loans Charged-off: Commercial and industrial0.0000%1,003
Percentage Net Loans Charged-off: Loans to individuals0.0774%1,299
Percentage Net Loans Charged-off: Credit card loans-36.2319%1,347
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 loans0.0171%7,459
Percentage Net Loans Charged-off: Total real estate loans0.0105%812
Percentage Net Loans Charged-off:Construction & development0.0089%211
Percentage Net Loans Charged-off: Commercial real estate0.0652%302
Percentage Net Loans Charged-off: Multi-family residential0.0000%151
Percentage Net Loans Charged-off: 1-4 family residential0.0005%933
Percentage Net Loans Charged-off: Home equity loans0.0111%368
All other 1-4 family - Percent of loans charged-off, net0.0000%883
Percentage Net Loans Charged-off: Commercial and industrial0.0000%953
Percentage Net Loans Charged-off: Loans to individuals0.0704%1,258
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 loans-0.0057%9,495
Percentage Net Loans Charged-off: Total real estate loans-0.0041%1,217
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 residential-0.0057%1,297
Percentage Net Loans Charged-off: Home equity loans0.0000%396
All other 1-4 family - Percent of loans charged-off, net-0.0059%1,299
Percentage Net Loans Charged-off: Commercial and industrial0.0000%888
Percentage Net Loans Charged-off: Loans to individuals-0.0248%1,438
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 loans0.0337%7,488
Percentage Net Loans Charged-off: Total real estate loans0.0138%857
Percentage Net Loans Charged-off:Construction & development0.0000%284
Percentage Net Loans Charged-off: Commercial real estate0.0542%421
Percentage Net Loans Charged-off: Multi-family residential0.0000%233
Percentage Net Loans Charged-off: 1-4 family residential0.0033%992
Percentage Net Loans Charged-off: Home equity loans0.0000%412
All other 1-4 family - Percent of loans charged-off, net0.0034%940
Percentage Net Loans Charged-off: Commercial and industrial0.0000%891
Percentage Net Loans Charged-off: Loans to individuals0.4254%979
Percentage Net Loans Charged-off: Credit card loans18.9759%16
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 loans0.0203%7,981
Percentage Net Loans Charged-off: Total real estate loans-0.0056%1,274
Percentage Net Loans Charged-off:Construction & development0.0000%344
Percentage Net Loans Charged-off: Commercial real estate-0.0758%1,330
Percentage Net Loans Charged-off: Multi-family residential0.0000%281
Percentage Net Loans Charged-off: 1-4 family residential0.0148%839
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net0.0148%798
Percentage Net Loans Charged-off: Commercial and industrial0.0000%798
Percentage Net Loans Charged-off: Loans to individuals0.6159%659
Percentage Net Loans Charged-off: Credit card loans8.5295%42
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 loans0.1207%5,306
Percentage Net Loans Charged-off: Total real estate loans0.1136%538
Percentage Net Loans Charged-off:Construction & development0.1975%255
Percentage Net Loans Charged-off: Commercial real estate0.4919%286
Percentage Net Loans Charged-off: Multi-family residential0.0000%332
Percentage Net Loans Charged-off: 1-4 family residential0.0030%997
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net0.0030%943
Percentage Net Loans Charged-off: Commercial and industrial0.0000%761
Percentage Net Loans Charged-off: Loans to individuals0.2565%930
Percentage Net Loans Charged-off: Credit card loans3.6869%138
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1993-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0568%8,104
Percentage Net Loans Charged-off: Total real estate loans0.0579%885
Percentage Net Loans Charged-off:Construction & development0.0000%485
Percentage Net Loans Charged-off: Commercial real estate0.2091%581
Percentage Net Loans Charged-off: Multi-family residential0.0000%368
Percentage Net Loans Charged-off: 1-4 family residential0.0069%1,032
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net0.0069%980
Percentage Net Loans Charged-off: Commercial and industrial0.0000%929
Percentage Net Loans Charged-off: Loans to individuals0.0217%1,294
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 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 loans0.0876%9,077
Percentage Net Loans Charged-off: Total real estate loans0.0869%970
Percentage Net Loans Charged-off:Construction & development0.0000%639
Percentage Net Loans Charged-off: Commercial real estate0.3256%661
Percentage Net Loans Charged-off: Multi-family residential0.0000%418
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,178
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net0.0000%1,124
Percentage Net Loans Charged-off: Commercial and industrial0.0000%1,086
Percentage Net Loans Charged-off: Loans to individuals0.0832%1,337
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