Home > Wachovia Bank > Net charge- offs to loans
Wachovia Bank, Net charge- offs to loans
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2072% | 2,040 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2267% | 1,622 |
| Percentage Net Loans Charged-off:Construction & development | 1.8127% | 2,166 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5327% | 1,705 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.7953% | 609 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3947% | 956 |
| Percentage Net Loans Charged-off: Home equity loans | 1.7256% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2889% | 1,006 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7058% | 3,327 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9301% | 1,389 |
| Percentage Net Loans Charged-off: Credit card loans | 8.5473% | 196 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.2717% | 888 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 1.4065% | 143 |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9665% | 2,040 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9632% | 1,611 |
| Percentage Net Loans Charged-off:Construction & development | 1.2849% | 2,023 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3504% | 1,596 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.7215% | 469 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1384% | 961 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5242% | 526 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0196% | 1,017 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4890% | 3,168 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8452% | 1,380 |
| Percentage Net Loans Charged-off: Credit card loans | 8.5801% | 191 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.9848% | 855 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 1.6830% | 120 |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6117% | 2,516 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5776% | 1,959 |
| Percentage Net Loans Charged-off:Construction & development | 0.7273% | 1,946 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1304% | 1,729 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4391% | 392 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7135% | 1,245 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1575% | 547 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5808% | 1,365 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2004% | 3,286 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7397% | 1,393 |
| Percentage Net Loans Charged-off: Credit card loans | 8.3808% | 219 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4517% | 993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.4344% | 108 |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3388% | 2,733 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2089% | 2,372 |
| Percentage Net Loans Charged-off:Construction & development | 0.1383% | 1,707 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0716% | 1,174 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2718% | 1,659 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2108% | 715 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2895% | 1,504 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0328% | 2,722 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7948% | 1,289 |
| Percentage Net Loans Charged-off: Credit card loans | 7.8166% | 226 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1708% | 976 |
| 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 | 0.0000% | 7,039 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 5,348 |
| 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 | 0.0000% | 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 | 0.0000% | 4,624 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,903 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,198 |
| 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 | 1.0717% | 790 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1023% | 579 |
| Percentage Net Loans Charged-off:Construction & development | 3.0943% | 512 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2509% | 859 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5094% | 238 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0913% | 419 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9027% | 377 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1284% | 376 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8384% | 1,502 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1843% | 739 |
| 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 | 0.3667% | 976 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 1.4827% | 49 |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8574% | 813 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8652% | 579 |
| Percentage Net Loans Charged-off:Construction & development | 2.5746% | 431 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2432% | 676 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.6384% | 135 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8163% | 484 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7011% | 380 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8377% | 437 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7813% | 1,263 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6318% | 1,001 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 966 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2714% | 939 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.3296% | 54 |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6341% | 836 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5584% | 604 |
| Percentage Net Loans Charged-off:Construction & development | 1.6933% | 332 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0675% | 635 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0916% | 117 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5557% | 545 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5449% | 304 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5575% | 517 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5566% | 1,132 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7545% | 873 |
| 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 | 0.2709% | 743 |
| 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 | 0.2920% | 1,867 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1249% | 1,870 |
| Percentage Net Loans Charged-off:Construction & development | 0.0855% | 1,225 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0550% | 1,254 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0515% | 6,234 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1668% | 1,401 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2327% | 517 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1507% | 1,450 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2873% | 2,449 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4247% | 1,046 |
| Percentage Net Loans Charged-off: Credit card loans | 4.2885% | 250 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1872% | 1,209 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0588% | 65 |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2345% | 1,710 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0766% | 1,734 |
| Percentage Net Loans Charged-off:Construction & development | 0.0427% | 898 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0169% | 1,054 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0712% | 6,189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1160% | 1,311 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1950% | 420 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0940% | 1,361 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1725% | 2,336 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3140% | 1,020 |
| Percentage Net Loans Charged-off: Credit card loans | 6.2722% | 135 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1789% | 1,058 |
| 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 | 0.1971% | 1,738 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0703% | 1,461 |
| Percentage Net Loans Charged-off:Construction & development | 0.0280% | 687 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0301% | 729 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1066% | 6,180 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1032% | 1,171 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1782% | 349 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0819% | 1,209 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1737% | 1,918 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0490% | 1,216 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2534% | 480 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1202% | 1,048 |
| 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 | 0.2004% | 1,396 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0720% | 1,048 |
| Percentage Net Loans Charged-off:Construction & development | 0.0191% | 399 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0524% | 398 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.2087% | 6,136 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1012% | 897 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1471% | 276 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0876% | 871 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1458% | 1,417 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1214% | 1,135 |
| Percentage Net Loans Charged-off: Credit card loans | 0.9404% | 661 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1520% | 754 |
| 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 | 0.1369% | 2,655 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0513% | 1,954 |
| Percentage Net Loans Charged-off:Construction & development | 0.0052% | 792 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0073% | 7,871 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1296% | 141 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0803% | 1,611 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1105% | 446 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0705% | 1,648 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0922% | 3,001 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7581% | 2,016 |
| Percentage Net Loans Charged-off: Credit card loans | 0.3149% | 1,186 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1647% | 1,124 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.2299% | 26 |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1162% | 2,444 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0524% | 1,579 |
| Percentage Net Loans Charged-off:Construction & development | -0.0072% | 7,693 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0033% | 988 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1381% | 108 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0793% | 1,335 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1101% | 349 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0692% | 1,362 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0632% | 2,623 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6239% | 2,126 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,137 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1463% | 1,034 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.1942% | 22 |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0864% | 2,700 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0440% | 1,508 |
| Percentage Net Loans Charged-off:Construction & development | -0.0110% | 7,693 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0051% | 786 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.2026% | 67 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0629% | 1,286 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1095% | 279 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0472% | 1,348 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0388% | 2,393 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4582% | 2,510 |
| 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 | 0.1137% | 947 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.1773% | 17 |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0849% | 2,283 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0641% | 919 |
| Percentage Net Loans Charged-off:Construction & development | 0.0228% | 219 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0304% | 419 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4000% | 27 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0713% | 871 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0938% | 220 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0637% | 851 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0724% | 1,476 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2663% | 2,863 |
| 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 | 0.0854% | 786 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.2446% | 10 |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1001% | 3,655 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0291% | 2,443 |
| Percentage Net Loans Charged-off:Construction & development | 0.0314% | 554 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0325% | 8,158 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0532% | 1,962 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0589% | 497 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0510% | 1,913 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1454% | 3,070 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3337% | 4,368 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,459 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2332% | 1,061 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.1565% | 21 |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0983% | 3,185 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0293% | 2,111 |
| Percentage Net Loans Charged-off:Construction & development | 0.0341% | 420 |
| 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 | 0.0408% | 1,869 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0525% | 419 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0361% | 1,828 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1350% | 2,575 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3753% | 3,677 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,324 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1987% | 961 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.1003% | 15 |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0854% | 3,142 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0219% | 1,954 |
| Percentage Net Loans Charged-off:Construction & development | 0.0130% | 386 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0328% | 8,200 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0440% | 1,558 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0473% | 363 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0426% | 1,482 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1057% | 2,364 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4102% | 3,202 |
| 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 | 0.1537% | 877 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.1006% | 16 |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0842% | 2,651 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0384% | 1,257 |
| Percentage Net Loans Charged-off:Construction & development | 0.0266% | 207 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0264% | 8,301 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0656% | 1,048 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0315% | 279 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0800% | 923 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0620% | 1,762 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4739% | 2,647 |
| 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 | 0.1064% | 703 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.1753% | 11 |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1227% | 3,810 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0803% | 1,824 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0083% | 1,477 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1187% | 1,419 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1428% | 354 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1116% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1141% | 3,528 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4378% | 4,125 |
| Percentage Net Loans Charged-off: Credit card loans | -737.4631% | 2,629 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1015% | 1,305 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.6761% | 20 |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1254% | 3,245 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0937% | 1,403 |
| Percentage Net Loans Charged-off:Construction & development | 0.0167% | 544 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0056% | 8,220 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1427% | 1,078 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2173% | 234 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1222% | 1,181 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0739% | 3,163 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4543% | 3,617 |
| 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 | 0.1137% | 1,107 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.8980% | 13 |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1329% | 2,936 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0954% | 1,283 |
| Percentage Net Loans Charged-off:Construction & development | 0.0260% | 405 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0428% | 8,490 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1603% | 922 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2444% | 190 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1385% | 977 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1015% | 2,565 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4848% | 3,270 |
| 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 | 0.0853% | 1,024 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.7197% | 11 |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1262% | 2,576 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0708% | 1,188 |
| Percentage Net Loans Charged-off:Construction & development | 0.0538% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1721% | 8,682 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1690% | 741 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0994% | 210 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1860% | 673 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1264% | 1,766 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5017% | 2,923 |
| 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 | 0.0700% | 796 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.5963% | 7 |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4853% | 1,511 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1848% | 1,169 |
| Percentage Net Loans Charged-off:Construction & development | 0.0384% | 706 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1007% | 1,098 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2479% | 936 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2276% | 274 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2512% | 946 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1556% | 1,517 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8567% | 2,800 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,842 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1405% | 1,451 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 1.1269% | 40 |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4934% | 1,290 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1543% | 1,140 |
| Percentage Net Loans Charged-off:Construction & development | 0.0169% | 615 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0760% | 943 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2137% | 892 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2650% | 204 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2060% | 919 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2214% | 1,215 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9258% | 2,339 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,741 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1160% | 1,314 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.8545% | 34 |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5844% | 1,044 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1627% | 1,020 |
| Percentage Net Loans Charged-off:Construction & development | 0.0247% | 477 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0611% | 783 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2360% | 763 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2513% | 191 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2339% | 766 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5634% | 927 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8881% | 2,327 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,566 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0832% | 1,222 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.8751% | 26 |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6399% | 854 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1586% | 825 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0871% | 466 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2349% | 625 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3729% | 116 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2187% | 659 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7068% | 676 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9223% | 2,105 |
| 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 | 0.1476% | 808 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 1.5166% | 15 |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9797% | 723 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1842% | 1,168 |
| Percentage Net Loans Charged-off:Construction & development | 0.1045% | 627 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1082% | 1,058 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0284% | 164 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2415% | 904 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1809% | 319 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2480% | 888 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.6376% | 795 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1238% | 2,077 |
| 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 | 0.2171% | 1,380 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.2400% | 46 |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9790% | 721 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4470% | 421 |
| Percentage Net Loans Charged-off:Construction & development | 0.3019% | 409 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4026% | 501 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0714% | 146 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4875% | 383 |
| Percentage Net Loans Charged-off: Home equity loans | 11.3636% | 19 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2960% | 650 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9725% | 1,007 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3029% | 1,581 |
| Percentage Net Loans Charged-off: Credit card loans | -13.8889% | 5,566 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3887% | 1,111 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.7548% | 52 |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.3231% | 361 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2363% | 115 |
| Percentage Net Loans Charged-off:Construction & development | -0.0395% | 1,407 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0700% | 218 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0423% | 81 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3186% | 92 |
| Percentage Net Loans Charged-off: Home equity loans | 17.3661% | 2 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2648% | 106 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6896% | 140 |
| Percentage Net Loans Charged-off: Loans to individuals | 10.3492% | 13 |
| Percentage Net Loans Charged-off: Credit card loans | 15.4514% | 40 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5341% | 156 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.2375% | 16 |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5115% | 1,326 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1972% | 131 |
| Percentage Net Loans Charged-off:Construction & development | 0.2063% | 92 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2232% | 118 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0483% | 87 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1942% | 148 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9718% | 38 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1394% | 212 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5610% | 352 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.7296% | 134 |
| Percentage Net Loans Charged-off: Credit card loans | 7.0332% | 78 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3664% | 196 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.1105% | 17 |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4422% | 1,678 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0693% | 395 |
| Percentage Net Loans Charged-off:Construction & development | -0.0402% | 1,301 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0832% | 272 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0702% | 113 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0696% | 395 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1797% | 166 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0498% | 454 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4167% | 411 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.5190% | 160 |
| Percentage Net Loans Charged-off: Credit card loans | 5.0691% | 166 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3549% | 189 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.0112% | 451 |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3269% | 2,521 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2631% | 124 |
| Percentage Net Loans Charged-off:Construction & development | 0.2278% | 117 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5787% | 74 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0932% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1702% | 195 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1353% | 223 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1779% | 173 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4802% | 345 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6668% | 756 |
| Percentage Net Loans Charged-off: Credit card loans | -162.8611% | 1,310 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3064% | 172 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 3.3277% | 11 |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2634% | 3,320 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1000% | 425 |
| Percentage Net Loans Charged-off:Construction & development | 2.0194% | 49 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0651% | 403 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0108% | 222 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0784% | 446 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0940% | 269 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0753% | 421 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4337% | 366 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3484% | 369 |
| Percentage Net Loans Charged-off: Credit card loans | 7.2958% | 81 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3018% | 189 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 34 |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4198% | 2,059 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2581% | 269 |
| Percentage Net Loans Charged-off:Construction & development | 0.5335% | 141 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5465% | 230 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1557% | 270 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2126% | 156 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1420% | 282 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6806% | 251 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1868% | 313 |
| Percentage Net Loans Charged-off: Credit card loans | 3.1000% | 302 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2956% | 187 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 48 |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5319% | 1,671 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2601% | 339 |
| Percentage Net Loans Charged-off:Construction & development | 1.5727% | 113 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2587% | 379 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2102% | 246 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2691% | 128 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1942% | 265 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2498% | 170 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0522% | 287 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9202% | 440 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3329% | 147 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 53 |