Home > United Commerce Bank > Net charge- offs to loans
United Commerce Bank, Net charge- offs to loans
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0278% | 6,148 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3898% | 1,381 |
| Percentage Net Loans Charged-off:Construction & development | -0.3876% | 5,869 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0350% | 2,129 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 515 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7196% | 739 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,261 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8467% | 604 |
| Percentage Net Loans Charged-off: Commercial and industrial | -3.1749% | 6,554 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.7144% | 6,520 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.7117% | 6,472 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 67 |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0300% | 4,269 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2646% | 1,789 |
| Percentage Net Loans Charged-off:Construction & development | -0.5773% | 5,973 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0447% | 1,813 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4957% | 1,091 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,077 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5849% | 908 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.6936% | 6,536 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.5181% | 6,412 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.5181% | 6,349 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,232 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 58 |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0669% | 6,257 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1836% | 1,845 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 915 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,435 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3389% | 1,300 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 767 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4050% | 1,107 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.8790% | 6,614 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9802% | 525 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.9802% | 472 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 975 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 43 |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.9650% | 374 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.3877% | 6,958 |
| Percentage Net Loans Charged-off:Construction & development | -3.4493% | 6,425 |
| Percentage Net Loans Charged-off: Commercial real estate | -1.0048% | 6,891 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 851 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2902% | 2,511 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,753 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3581% | 2,155 |
| Percentage Net Loans Charged-off: Commercial and industrial | 13.4409% | 53 |
| Percentage Net Loans Charged-off: Loans to individuals | 12.3987% | 60 |
| Percentage Net Loans Charged-off: Credit card loans | 4.5272% | 169 |
| Percentage Net Loans Charged-off: Other loans to individual | 14.8438% | 50 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,670 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 125 |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3414% | 2,746 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.3151% | 7,019 |
| Percentage Net Loans Charged-off:Construction & development | 2.4934% | 914 |
| Percentage Net Loans Charged-off: Commercial real estate | -1.6107% | 6,988 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2872% | 2,411 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,549 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3564% | 2,042 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.8505% | 556 |
| Percentage Net Loans Charged-off: Loans to individuals | 14.3027% | 56 |
| Percentage Net Loans Charged-off: Credit card loans | 4.8290% | 159 |
| Percentage Net Loans Charged-off: Other loans to individual | 17.6999% | 40 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,486 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 111 |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0621% | 6,724 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.5383% | 7,113 |
| Percentage Net Loans Charged-off:Construction & development | 2.9103% | 773 |
| Percentage Net Loans Charged-off: Commercial real estate | -2.3515% | 7,059 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3299% | 2,128 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,330 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4119% | 1,794 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1817% | 1,119 |
| Percentage Net Loans Charged-off: Loans to individuals | 18.9512% | 41 |
| Percentage Net Loans Charged-off: Credit card loans | 6.0363% | 119 |
| Percentage Net Loans Charged-off: Other loans to individual | 24.6142% | 32 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,276 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 96 |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5717% | 1,659 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3121% | 2,103 |
| Percentage Net Loans Charged-off:Construction & development | 5.2636% | 414 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,722 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,017 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 982 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,835 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6805% | 728 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.2860% | 354 |
| Percentage Net Loans Charged-off: Credit card loans | 8.0483% | 84 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4751% | 1,703 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 960 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 67 |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.3414% | 529 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4758% | 1,041 |
| Percentage Net Loans Charged-off:Construction & development | 7.9085% | 605 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.3708% | 905 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7272% | 1,679 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0420% | 818 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6529% | 1,786 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.2008% | 326 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1745% | 1,454 |
| Percentage Net Loans Charged-off: Credit card loans | 0.6200% | 841 |
| Percentage Net Loans Charged-off: Other loans to individual | 1.4175% | 1,022 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1247% | 6,222 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 114 |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6492% | 2,303 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5962% | 2,162 |
| Percentage Net Loans Charged-off:Construction & development | 0.9124% | 1,944 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,145 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9422% | 1,256 |
| Percentage Net Loans Charged-off: Home equity loans | 1.3858% | 584 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8408% | 1,355 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8189% | 1,976 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5835% | 970 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8316% | 741 |
| Percentage Net Loans Charged-off: Other loans to individual | 1.8021% | 710 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1601% | 6,289 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 102 |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9277% | 1,676 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8602% | 1,598 |
| Percentage Net Loans Charged-off:Construction & development | 1.3117% | 1,567 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,658 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3512% | 868 |
| Percentage Net Loans Charged-off: Home equity loans | 2.0557% | 414 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1924% | 980 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2017% | 1,422 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4136% | 1,080 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2397% | 593 |
| Percentage Net Loans Charged-off: Other loans to individual | 1.2266% | 982 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.2366% | 6,342 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 93 |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9762% | 1,380 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6813% | 1,581 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,696 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,892 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2045% | 828 |
| Percentage Net Loans Charged-off: Home equity loans | 1.6718% | 402 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1018% | 849 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.2378% | 769 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1719% | 6,411 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 649 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2031% | 6,551 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.4530% | 6,394 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 61 |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.5101% | 1,456 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6256% | 1,202 |
| Percentage Net Loans Charged-off:Construction & development | 0.5389% | 2,812 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5026% | 2,030 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.5127% | 466 |
| Percentage Net Loans Charged-off: Home equity loans | 12.8339% | 51 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2139% | 3,291 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1536% | 2,374 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8076% | 2,528 |
| Percentage Net Loans Charged-off: Credit card loans | 0.9921% | 889 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 165 |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.5727% | 1,264 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6254% | 1,089 |
| Percentage Net Loans Charged-off:Construction & development | 0.7081% | 2,432 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6566% | 1,511 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.4027% | 445 |
| Percentage Net Loans Charged-off: Home equity loans | 11.7774% | 52 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2820% | 2,688 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5195% | 1,770 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3162% | 3,749 |
| Percentage Net Loans Charged-off: Credit card loans | 0.1485% | 987 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,786 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 143 |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.0427% | 888 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.0575% | 821 |
| Percentage Net Loans Charged-off:Construction & development | 1.0574% | 1,973 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1127% | 2,236 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.4366% | 284 |
| Percentage Net Loans Charged-off: Home equity loans | 17.2678% | 37 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2302% | 2,549 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.2404% | 1,239 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1310% | 6,908 |
| Percentage Net Loans Charged-off: Credit card loans | 0.2256% | 888 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 111 |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.4019% | 422 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.8389% | 326 |
| Percentage Net Loans Charged-off:Construction & development | 2.1085% | 1,176 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,882 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 6.5041% | 119 |
| Percentage Net Loans Charged-off: Home equity loans | 34.2551% | 21 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,950 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0724% | 1,041 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3825% | 2,883 |
| Percentage Net Loans Charged-off: Credit card loans | 0.4659% | 721 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,171 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 72 |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1929% | 5,438 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2054% | 4,102 |
| Percentage Net Loans Charged-off:Construction & development | 0.8620% | 2,651 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,404 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2263% | 3,135 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1996% | 1,607 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2315% | 2,943 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 5,131 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6399% | 1,692 |
| Percentage Net Loans Charged-off: Credit card loans | -0.1207% | 1,619 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 2,150 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 184 |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2276% | 4,634 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2269% | 3,449 |
| Percentage Net Loans Charged-off:Construction & development | 1.1418% | 2,084 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,820 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2182% | 2,719 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0235% | 1,588 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2540% | 2,413 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,579 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4706% | 1,001 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,103 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,898 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 155 |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0388% | 5,922 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0047% | 4,828 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,667 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,247 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0083% | 3,801 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,287 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0097% | 3,530 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,950 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6586% | 1,461 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,008 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,633 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 118 |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0369% | 4,994 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,748 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,865 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,395 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,745 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,521 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,811 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6871% | 1,366 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 800 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,234 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 81 |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1277% | 4,962 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0806% | 3,933 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,362 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1437% | 2,504 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1671% | 2,234 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0161% | 4,532 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.3256% | 804 |
| Percentage Net Loans Charged-off: Credit card loans | 0.7044% | 1,061 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,901 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 112 |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1285% | 4,040 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1107% | 2,829 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,246 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,766 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1974% | 1,729 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2302% | 1,472 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0216% | 3,759 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4259% | 1,279 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,100 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,634 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 90 |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1400% | 3,347 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0987% | 2,381 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,702 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,334 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1772% | 1,534 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2082% | 1,320 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,159 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2754% | 652 |
| Percentage Net Loans Charged-off: Credit card loans | -0.2318% | 1,730 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 70 |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2038% | 2,125 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2009% | 1,238 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,119 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 813 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3654% | 764 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4356% | 630 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,192 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8589% | 821 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 761 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0481% | 5,030 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0219% | 3,481 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,563 |
| 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 | 0.0398% | 2,604 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2260% | 528 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,111 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0831% | 3,343 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3165% | 3,942 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5862% | 1,052 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,751 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 73 |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0278% | 4,828 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0297% | 2,459 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,085 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,176 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0539% | 1,840 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3016% | 327 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,489 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,276 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2091% | 4,039 |
| Percentage Net Loans Charged-off: Credit card loans | -0.1585% | 1,851 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,521 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 52 |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0447% | 3,788 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0446% | 1,747 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 770 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 881 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0808% | 1,312 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4453% | 216 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,964 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,722 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4026% | 2,752 |
| Percentage Net Loans Charged-off: Credit card loans | -0.2389% | 1,813 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,336 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 38 |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0031% | 4,411 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,851 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 444 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 529 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,473 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,345 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,846 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0875% | 3,539 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 790 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 964 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0476% | 4,452 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,458 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,928 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,723 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,710 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1765% | 1,192 |
| Percentage Net Loans Charged-off: Credit card loans | -0.2595% | 1,952 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,606 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0360% | 4,180 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,897 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,436 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,253 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,095 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8602% | 1,556 |
| Percentage Net Loans Charged-off: Credit card loans | -0.1768% | 1,884 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,412 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 29 |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0497% | 3,448 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,437 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,021 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,880 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,652 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1555% | 1,078 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,005 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,212 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0134% | 3,831 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,638 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 498 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,349 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,244 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,732 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3080% | 2,706 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 826 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 12 |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0697% | 4,309 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0525% | 1,895 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,340 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0919% | 1,506 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3334% | 206 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0453% | 1,997 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,059 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6521% | 2,895 |
| Percentage Net Loans Charged-off: Credit card loans | 0.2966% | 1,413 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,616 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0691% | 3,742 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0660% | 1,452 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,046 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1147% | 1,129 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4512% | 126 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0508% | 1,634 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,394 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4000% | 3,557 |
| Percentage Net Loans Charged-off: Credit card loans | 0.4072% | 1,242 |
| 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 | 0.0000% | 21 |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0492% | 3,906 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0628% | 1,339 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 810 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1078% | 1,060 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6803% | 92 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,870 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,174 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,186 |
| 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 | 0.0000% | 20 |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0075% | 4,449 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,814 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 511 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,974 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1642% | 3,730 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 922 |
| 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 | 0.0000% | 13 |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1449% | 3,454 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0111% | 3,396 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,548 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0178% | 2,797 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0348% | 6,011 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0256% | 2,486 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,271 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.5974% | 500 |
| Percentage Net Loans Charged-off: Credit card loans | 6.9056% | 208 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,643 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 27 |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1311% | 3,168 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0232% | 2,523 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,213 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0367% | 2,035 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0419% | 1,872 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,624 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0769% | 669 |
| Percentage Net Loans Charged-off: Credit card loans | -0.2240% | 2,493 |
| 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 | 0.0000% | 21 |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1032% | 3,342 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0481% | 1,795 |
| 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 | 0.0763% | 1,403 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0869% | 1,260 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,054 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1760% | 1,548 |
| Percentage Net Loans Charged-off: Credit card loans | -0.3484% | 2,505 |
| 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 | 0.0000% | 19 |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0227% | 7,573 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,955 |
| 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 | 0.0000% | 1,591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,138 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3818% | 8,244 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,093 |
| 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 | 0.0000% | 12 |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1290% | 4,297 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0412% | 2,733 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,593 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0603% | 2,205 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1698% | 330 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0449% | 2,352 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0575% | 7,868 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5459% | 1,307 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5192% | 1,347 |
| 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 | 0.0000% | 56 |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1015% | 4,287 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0278% | 2,562 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,273 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0400% | 2,085 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2235% | 221 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0140% | 2,449 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0703% | 7,805 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2780% | 1,591 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7986% | 1,190 |
| 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 | 0.0000% | 45 |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1258% | 3,586 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,928 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 978 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,402 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,287 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,532 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6800% | 1,077 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3196% | 930 |
| 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 | 0.0000% | 37 |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1407% | 2,865 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,066 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 618 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,648 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,550 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,449 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7797% | 1,044 |
| Percentage Net Loans Charged-off: Credit card loans | 4.6512% | 485 |
| 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 | 0.0000% | 23 |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2112% | 3,554 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 4,119 |
| 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 | 0.0000% | 3,443 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,246 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5549% | 2,710 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3753% | 1,567 |
| Percentage Net Loans Charged-off: Credit card loans | 5.5556% | 415 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,956 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 51 |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2252% | 3,335 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1135% | 1,521 |
| 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 | 0.1523% | 1,155 |
| Percentage Net Loans Charged-off: Home equity loans | 1.8008% | 82 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,123 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4254% | 2,869 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7416% | 3,114 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 2,107 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,876 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 74 |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0124% | 7,047 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |