Home > United Commercial Bank > Net charge- offs to loans
United Commercial Bank, Net charge- offs to loans
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 9.1296% | 60 |
| Percentage Net Loans Charged-off: Total real estate loans | 8.9541% | 61 |
| Percentage Net Loans Charged-off:Construction & development | 26.9786% | 98 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.6325% | 211 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.7196% | 470 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6075% | 1,557 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,611 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7068% | 1,338 |
| Percentage Net Loans Charged-off: Commercial and industrial | 9.6863% | 233 |
| Percentage Net Loans Charged-off: Loans to individuals | 26.2579% | 42 |
| Percentage Net Loans Charged-off: Credit card loans | 95.2857% | 5 |
| 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 | NA | NA |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 13.3522% | 30 |
| Percentage Net Loans Charged-off: Total real estate loans | 13.9894% | 24 |
| Percentage Net Loans Charged-off:Construction & development | 43.2194% | 42 |
| Percentage Net Loans Charged-off: Commercial real estate | 4.0459% | 160 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5957% | 362 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3208% | 2,020 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,287 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3743% | 1,753 |
| Percentage Net Loans Charged-off: Commercial and industrial | 11.3404% | 208 |
| Percentage Net Loans Charged-off: Loans to individuals | 17.2007% | 71 |
| Percentage Net Loans Charged-off: Credit card loans | 514.4695% | 2 |
| 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 | NA | NA |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 6.1743% | 149 |
| Percentage Net Loans Charged-off: Total real estate loans | 5.3034% | 163 |
| Percentage Net Loans Charged-off:Construction & development | 17.0086% | 173 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4572% | 710 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.2203% | 266 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0503% | 2,460 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0587% | 2,216 |
| Percentage Net Loans Charged-off: Commercial and industrial | 8.8390% | 241 |
| Percentage Net Loans Charged-off: Loans to individuals | 19.3025% | 55 |
| Percentage Net Loans Charged-off: Credit card loans | 714.2857% | 2 |
| 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 | NA | NA |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.3308% | 889 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5142% | 596 |
| Percentage Net Loans Charged-off:Construction & development | 4.9097% | 519 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1915% | 1,433 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1560% | 462 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 4,222 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,963 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7284% | 2,221 |
| Percentage Net Loans Charged-off: Loans to individuals | 13.2975% | 56 |
| Percentage Net Loans Charged-off: Credit card loans | -1.6221% | 1,840 |
| 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 | NA | NA |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0958% | 776 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2909% | 463 |
| Percentage Net Loans Charged-off:Construction & development | 4.1981% | 394 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2422% | 877 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0330% | 353 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,509 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,263 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4842% | 2,058 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.5474% | 256 |
| Percentage Net Loans Charged-off: Credit card loans | -1.7693% | 1,838 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,634 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9247% | 737 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0273% | 489 |
| Percentage Net Loans Charged-off:Construction & development | 3.3385% | 350 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2129% | 718 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0309% | 234 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,841 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,615 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5838% | 1,514 |
| Percentage Net Loans Charged-off: Loans to individuals | 6.5258% | 141 |
| Percentage Net Loans Charged-off: Credit card loans | -0.6383% | 1,768 |
| 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 | NA | NA |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6035% | 877 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6096% | 556 |
| Percentage Net Loans Charged-off:Construction & development | 1.9899% | 302 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1115% | 574 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0631% | 121 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,939 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,774 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5316% | 1,149 |
| Percentage Net Loans Charged-off: Loans to individuals | 14.9940% | 44 |
| 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 | NA | NA |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1241% | 3,580 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0525% | 2,804 |
| Percentage Net Loans Charged-off:Construction & development | 0.0972% | 1,195 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0667% | 1,206 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0045% | 284 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,352 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,111 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4381% | 2,016 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4570% | 3,250 |
| Percentage Net Loans Charged-off: Credit card loans | 8.7776% | 78 |
| 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 | NA | NA |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0984% | 3,218 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0192% | 7,915 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,085 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0457% | 8,022 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0059% | 190 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,699 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,489 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5310% | 1,433 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1434% | 4,437 |
| Percentage Net Loans Charged-off: Credit card loans | 2.7634% | 424 |
| 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 | NA | NA |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0872% | 2,945 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0001% | 2,711 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 770 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0003% | 880 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,135 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,964 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4078% | 1,390 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2462% | 3,423 |
| Percentage Net Loans Charged-off: Credit card loans | 4.8780% | 189 |
| 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 | NA | NA |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1015% | 2,190 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0001% | 7,413 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 444 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0003% | 7,860 |
| 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 | 0.4771% | 918 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1944% | 7,401 |
| Percentage Net Loans Charged-off: Credit card loans | -5.8182% | 1,939 |
| 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 | 0.1644% | 2,319 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0145% | 2,887 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0292% | 1,073 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0125% | 2,608 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0137% | 2,417 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8555% | 1,150 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2727% | 1,084 |
| Percentage Net Loans Charged-off: Credit card loans | -10.3286% | 2,070 |
| 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 | NA | NA |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1663% | 1,876 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0176% | 2,309 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0396% | 782 |
| 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 | 0.9045% | 853 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6360% | 670 |
| Percentage Net Loans Charged-off: Credit card loans | -16.2835% | 2,055 |
| 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 | NA | NA |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1717% | 1,705 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0127% | 2,094 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0281% | 689 |
| 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 | 1.0072% | 759 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.4508% | 150 |
| Percentage Net Loans Charged-off: Credit card loans | -11.2148% | 2,031 |
| 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 | NA | NA |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1801% | 1,419 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0288% | 1,214 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0625% | 367 |
| 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 | 1.0432% | 569 |
| Percentage Net Loans Charged-off: Loans to individuals | 9.4090% | 62 |
| Percentage Net Loans Charged-off: Credit card loans | -14.8423% | 2,021 |
| 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 | NA | NA |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0289% | 5,370 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0179% | 2,779 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0374% | 1,041 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0059% | 7,928 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0683% | 6,062 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1064% | 3,278 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.9835% | 8,618 |
| Percentage Net Loans Charged-off: Credit card loans | -6.7183% | 2,189 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1038% | 1,267 |
| 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 | 0.0033% | 5,995 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0010% | 7,478 |
| 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 | -0.0083% | 7,913 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0927% | 6,033 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,434 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0332% | 3,203 |
| Percentage Net Loans Charged-off: Loans to individuals | -2.1789% | 8,626 |
| Percentage Net Loans Charged-off: Credit card loans | -6.1932% | 2,176 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3091% | 862 |
| 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 | 0.0026% | 5,546 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,541 |
| 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 | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0286% | 2,726 |
| Percentage Net Loans Charged-off: Loans to individuals | -2.6667% | 8,639 |
| Percentage Net Loans Charged-off: Credit card loans | -7.4835% | 2,161 |
| 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 | 0.0095% | 4,368 |
| 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 | 0.0904% | 1,681 |
| Percentage Net Loans Charged-off: Loans to individuals | -2.9602% | 8,678 |
| Percentage Net Loans Charged-off: Credit card loans | -6.4909% | 2,138 |
| 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 | 0.1102% | 4,029 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0428% | 2,453 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0886% | 1,034 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,241 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,066 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7384% | 1,682 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.9389% | 112 |
| Percentage Net Loans Charged-off: Credit card loans | 10.7192% | 97 |
| 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 | NA | NA |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0922% | 3,769 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0153% | 2,772 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0320% | 1,006 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,765 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,599 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8749% | 1,254 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5872% | 3,065 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0439% | 1,227 |
| 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 | 0.0733% | 3,871 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0234% | 2,174 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0484% | 760 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,286 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5896% | 1,475 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5769% | 1,048 |
| Percentage Net Loans Charged-off: Credit card loans | 2.8037% | 692 |
| 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 | 0.0764% | 3,195 |
| 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 | 0.9008% | 877 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.2935% | 405 |
| Percentage Net Loans Charged-off: Credit card loans | 5.8394% | 317 |
| 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 | 0.0594% | 5,647 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0007% | 7,911 |
| Percentage Net Loans Charged-off:Construction & development | -0.0507% | 8,030 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0039% | 1,561 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0154% | 3,015 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1298% | 374 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,279 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6256% | 2,333 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.9559% | 182 |
| Percentage Net Loans Charged-off: Credit card loans | 6.7779% | 230 |
| 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 | 0.0584% | 5,171 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0009% | 7,886 |
| Percentage Net Loans Charged-off:Construction & development | -0.0702% | 8,038 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0029% | 8,394 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0120% | 125 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0201% | 2,431 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1719% | 265 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,778 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6288% | 1,951 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.2414% | 354 |
| Percentage Net Loans Charged-off: Credit card loans | 4.3816% | 522 |
| 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 | 0.0257% | 5,583 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0156% | 2,462 |
| Percentage Net Loans Charged-off:Construction & development | 0.1476% | 358 |
| 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 | 0.0307% | 1,878 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2559% | 189 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,287 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0542% | 3,288 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.2291% | 374 |
| Percentage Net Loans Charged-off: Credit card loans | 4.2747% | 554 |
| 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 | 0.0167% | 5,010 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0076% | 1,920 |
| 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 | 0.0605% | 1,197 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5115% | 94 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,550 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0334% | 2,356 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.1366% | 461 |
| Percentage Net Loans Charged-off: Credit card loans | 4.1097% | 552 |
| 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 | 0.2230% | 3,424 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0955% | 1,865 |
| Percentage Net Loans Charged-off:Construction & development | 1.1720% | 204 |
| 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 | 1.6553% | 1,267 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0285% | 2,307 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3242% | 1,147 |
| 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 | NA | NA |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0014% | 8,648 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,994 |
| 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 | 0.0000% | 3,307 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,123 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0421% | 4,519 |
| Percentage Net Loans Charged-off: Loans to individuals | -6.9386% | 9,472 |
| 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 |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0203% | 6,710 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0031% | 899 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0031% | 412 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0058% | 817 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0059% | 761 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2073% | 688 |
| Percentage Net Loans Charged-off: Loans to individuals | 12.8826% | 10 |
| Percentage Net Loans Charged-off: Credit card loans | 72.4004% | 11 |
| 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 |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0671% | 5,606 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0180% | 726 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1131% | 187 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0299% | 1,340 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0012% | 981 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0012% | 932 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2838% | 152 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.6048% | 37 |
| Percentage Net Loans Charged-off: Credit card loans | 10.3157% | 44 |
| 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 |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0478% | 6,451 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0385% | 543 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2287% | 160 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0182% | 696 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1720% | 173 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0149% | 680 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.6880% | 44 |
| Percentage Net Loans Charged-off: Credit card loans | 9.7310% | 45 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 409 |
| 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 | 0.0615% | 6,397 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0477% | 531 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0269% | 1,210 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0003% | 191 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0916% | 360 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0937% | 321 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 888 |
| Percentage Net Loans Charged-off: Loans to individuals | 6.2994% | 36 |
| Percentage Net Loans Charged-off: Credit card loans | 10.1590% | 41 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 386 |
| 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 | 0.3319% | 2,727 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3097% | 167 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3626% | 192 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5395% | 109 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1578% | 259 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1595% | 248 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0770% | 1,240 |
| Percentage Net Loans Charged-off: Loans to individuals | 6.8849% | 22 |
| Percentage Net Loans Charged-off: Credit card loans | 11.9936% | 28 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 444 |
| 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 | 0.2027% | 3,834 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1986% | 323 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6761% | 193 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1776% | 218 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0866% | 402 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0867% | 384 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.7634% | 1,379 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1005% | 339 |
| Percentage Net Loans Charged-off: Credit card loans | 2.7815% | 357 |
| 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 | 0.3816% | 2,395 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3696% | 261 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1984% | 415 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0205% | 320 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8051% | 61 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.8051% | 68 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.6188% | 1,301 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.0501% | 61 |
| Percentage Net Loans Charged-off: Credit card loans | 9.4128% | 24 |
| 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 |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0149% | 9,396 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0158% | 1,082 |
| Percentage Net Loans Charged-off:Construction & development | -0.3953% | 1,400 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1622% | 1,432 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1466% | 406 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.1466% | 396 |
| Percentage Net Loans Charged-off: Commercial and industrial | -31.0621% | 1,421 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.5047% | 124 |
| Percentage Net Loans Charged-off: Credit card loans | 9.5541% | 37 |
| 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 |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2005% | 7,261 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1697% | 800 |
| Percentage Net Loans Charged-off:Construction & development | -0.0040% | 1,397 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6642% | 506 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 418 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1047% | 585 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.1047% | 572 |
| Percentage Net Loans Charged-off: Commercial and industrial | 11.6181% | 47 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.9088% | 83 |
| Percentage Net Loans Charged-off: Credit card loans | 5.7772% | 132 |
| 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 |