Home > Vantus Bank > Net charge- offs to loans
Vantus Bank, Net charge- offs to loans
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7229% | 2,250 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4729% | 2,198 |
| Percentage Net Loans Charged-off:Construction & development | 0.9185% | 1,824 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4008% | 1,165 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5102% | 1,560 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,287 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5658% | 1,380 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3567% | 1,687 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3808% | 1,753 |
| 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 |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1191% | 4,017 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.2058% | 8,038 |
| Percentage Net Loans Charged-off:Construction & development | -4.3211% | 7,496 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7971% | 516 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1412% | 2,065 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1546% | 1,851 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8677% | 1,521 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0886% | 1,947 |
| 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 |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8386% | 1,498 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5903% | 1,467 |
| Percentage Net Loans Charged-off:Construction & development | 3.8538% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0088% | 7,730 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0805% | 3,071 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0854% | 2,849 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.4551% | 842 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4142% | 4,062 |
| 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 |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7547% | 1,153 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4137% | 1,353 |
| Percentage Net Loans Charged-off:Construction & development | 2.6732% | 580 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0115% | 7,773 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0514% | 2,817 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0544% | 2,586 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.9977% | 488 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1358% | 4,803 |
| 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 |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6617% | 1,075 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1656% | 1,897 |
| Percentage Net Loans Charged-off:Construction & development | 0.9920% | 764 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0171% | 7,863 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0412% | 2,390 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0435% | 2,177 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.4767% | 346 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3707% | 3,324 |
| 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 |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5028% | 1,042 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0121% | 2,515 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,119 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0337% | 7,995 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0534% | 1,616 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0561% | 1,468 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.3404% | 303 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1698% | 3,470 |
| 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 |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1927% | 2,716 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1120% | 1,982 |
| Percentage Net Loans Charged-off:Construction & development | 0.4003% | 757 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,679 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4092% | 176 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0423% | 2,558 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0444% | 2,366 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7329% | 1,492 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1817% | 4,684 |
| 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 |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0851% | 3,444 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0079% | 3,098 |
| 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 | 0.0187% | 2,328 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0196% | 2,148 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5088% | 1,473 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2818% | 3,661 |
| 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 |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1348% | 2,314 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0117% | 2,392 |
| 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 | 0.0279% | 1,764 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0293% | 1,616 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8676% | 877 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3751% | 2,859 |
| 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 |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0309% | 3,381 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0022% | 7,500 |
| 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 | -0.0053% | 7,714 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0056% | 7,709 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0235% | 1,775 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4366% | 2,319 |
| 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 |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1662% | 236 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6789% | 178 |
| Percentage Net Loans Charged-off:Construction & development | 0.3361% | 280 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.0542% | 154 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.3971% | 41 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0891% | 1,526 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0940% | 1,419 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.2212% | 147 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3859% | 3,419 |
| 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 |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0071% | 224 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1953% | 583 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4704% | 256 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1207% | 1,032 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1274% | 973 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.0841% | 79 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9045% | 1,480 |
| 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 |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.3552% | 167 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2497% | 433 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7300% | 160 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0822% | 1,143 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0868% | 1,058 |
| Percentage Net Loans Charged-off: Commercial and industrial | 10.3480% | 54 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4380% | 2,582 |
| 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 |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3097% | 902 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0295% | 1,209 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0590% | 374 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0292% | 1,109 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0309% | 1,013 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.2238% | 345 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6304% | 1,874 |
| 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 |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4983% | 858 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0504% | 1,937 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0486% | 982 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0781% | 1,644 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0822% | 1,557 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.3320% | 222 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7879% | 2,416 |
| 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 |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1699% | 2,237 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0434% | 1,804 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0663% | 720 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0524% | 1,708 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0551% | 1,589 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6894% | 1,283 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7056% | 2,356 |
| 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 |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1500% | 2,276 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0369% | 1,682 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0147% | 727 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0665% | 1,349 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0698% | 1,265 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4741% | 1,423 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7202% | 2,157 |
| 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 |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1175% | 2,227 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0308% | 1,352 |
| 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 | 0.0613% | 1,072 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0641% | 991 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1083% | 1,642 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7077% | 2,042 |
| 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 |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3203% | 1,794 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0885% | 1,714 |
| Percentage Net Loans Charged-off:Construction & development | 0.1375% | 443 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0025% | 8,127 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3805% | 99 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0611% | 2,042 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0637% | 1,934 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5600% | 558 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5879% | 3,415 |
| Percentage Net Loans Charged-off: Credit card loans | -13.3820% | 2,608 |
| 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 |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3645% | 1,361 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0838% | 1,506 |
| Percentage Net Loans Charged-off:Construction & development | 0.1919% | 313 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0034% | 8,181 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5073% | 71 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0192% | 2,341 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0199% | 2,197 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.5053% | 331 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5643% | 3,156 |
| Percentage Net Loans Charged-off: Credit card loans | -7.7859% | 2,605 |
| 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 |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5160% | 906 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1232% | 1,117 |
| Percentage Net Loans Charged-off:Construction & development | 0.2958% | 223 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0052% | 8,293 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.7513% | 54 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0260% | 1,870 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0270% | 1,759 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.5344% | 170 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6811% | 2,623 |
| Percentage Net Loans Charged-off: Credit card loans | -2.9197% | 2,602 |
| 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 |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5938% | 785 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2463% | 529 |
| Percentage Net Loans Charged-off:Construction & development | 0.5329% | 132 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.6237% | 23 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0376% | 1,285 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0391% | 1,199 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.2034% | 201 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8101% | 2,173 |
| Percentage Net Loans Charged-off: Credit card loans | -1.9465% | 2,560 |
| 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 |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2120% | 3,264 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0312% | 2,941 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0961% | 1,116 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0222% | 2,869 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1383% | 362 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0186% | 2,799 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6040% | 2,379 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7550% | 3,145 |
| Percentage Net Loans Charged-off: Credit card loans | 3.4499% | 732 |
| 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 |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2421% | 2,569 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0427% | 2,270 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1360% | 793 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0300% | 2,258 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1974% | 247 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0251% | 2,246 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8446% | 1,602 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7970% | 2,716 |
| Percentage Net Loans Charged-off: Credit card loans | 4.2194% | 559 |
| 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 |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2604% | 2,296 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0078% | 2,697 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0364% | 8,635 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0237% | 1,985 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0243% | 1,895 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3154% | 1,067 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8956% | 2,312 |
| Percentage Net Loans Charged-off: Credit card loans | 5.6671% | 366 |
| 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 |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2687% | 1,925 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0118% | 1,846 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0218% | 8,672 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0264% | 1,402 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0270% | 1,327 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,449 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0893% | 1,829 |
| Percentage Net Loans Charged-off: Credit card loans | 10.9912% | 156 |
| 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 |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9693% | 736 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4811% | 443 |
| Percentage Net Loans Charged-off:Construction & development | 2.3057% | 134 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.0126% | 286 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0601% | 2,174 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0128% | 89 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0409% | 2,362 |
| Percentage Net Loans Charged-off: Commercial and industrial | 11.7426% | 112 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8309% | 2,882 |
| Percentage Net Loans Charged-off: Credit card loans | 3.6224% | 779 |
| 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 |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0567% | 656 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0222% | 3,041 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1249% | 885 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0005% | 3,296 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0287% | 537 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,123 |
| Percentage Net Loans Charged-off: Commercial and industrial | 26.7998% | 11 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4460% | 4,428 |
| Percentage Net Loans Charged-off: Credit card loans | 2.6896% | 985 |
| 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 | 0.0447% | 5,934 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0111% | 753 |
| Percentage Net Loans Charged-off:Construction & development | 0.0481% | 190 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0729% | 212 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0016% | 884 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0016% | 824 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1253% | 801 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2592% | 1,058 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0449% | 755 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 385 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0490% | 6,090 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0036% | 946 |
| Percentage Net Loans Charged-off:Construction & development | 0.0304% | 184 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0228% | 1,277 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0048% | 924 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0049% | 877 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,003 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3911% | 910 |
| Percentage Net Loans Charged-off: Credit card loans | 2.1745% | 505 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 415 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0509% | 6,356 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0098% | 821 |
| Percentage Net Loans Charged-off:Construction & development | 0.1593% | 110 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 457 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0020% | 907 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3801% | 97 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 883 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3631% | 972 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9729% | 623 |
| 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 | 0.0913% | 5,685 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0524% | 504 |
| Percentage Net Loans Charged-off:Construction & development | 1.1600% | 39 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 477 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0008% | 995 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2040% | 173 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 952 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 888 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3737% | 1,003 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7206% | 729 |
| 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 |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0512% | 6,966 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0189% | 802 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 559 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0207% | 749 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0208% | 709 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 891 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3339% | 1,057 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3192% | 569 |
| 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 |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0208% | 7,962 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0159% | 876 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1184% | 110 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,034 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 989 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 798 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0734% | 1,281 |
| Percentage Net Loans Charged-off: Credit card loans | 0.3756% | 971 |
| 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 |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1068% | 5,583 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1101% | 546 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 5.7732% | 16 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0021% | 1,276 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0021% | 1,270 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 761 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0352% | 1,255 |
| Percentage Net Loans Charged-off: Credit card loans | 0.1050% | 980 |
| 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 | 0.0067% | 9,708 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0062% | 1,159 |
| Percentage Net Loans Charged-off:Construction & development | 0.9948% | 269 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 834 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,114 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,053 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 929 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0163% | 1,300 |
| Percentage Net Loans Charged-off: Credit card loans | 0.1157% | 988 |
| 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 | -0.0041% | 12,180 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0069% | 1,500 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 639 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1125% | 824 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.3685% | 1,459 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,178 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,124 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,086 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0709% | 1,345 |
| Percentage Net Loans Charged-off: Credit card loans | 0.2834% | 1,002 |
| 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 |