Home > Wachovia Bank of Delaware > Net charge- offs to loans
Wachovia Bank of Delaware, Net charge- offs to loans
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.1882% | 1,094 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2552% | 3,834 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,485 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5993% | 1,610 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1702% | 3,430 |
| Percentage Net Loans Charged-off: Home equity loans | -0.3254% | 5,850 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5716% | 1,829 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5503% | 3,647 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.7095% | 587 |
| 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% | 1,885 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 184 |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.3365% | 798 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2531% | 3,307 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,101 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7965% | 995 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1121% | 3,404 |
| Percentage Net Loans Charged-off: Home equity loans | -0.5285% | 5,891 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6123% | 1,492 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6451% | 2,875 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.9434% | 524 |
| 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 | 0.0738% | 1,647 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 155 |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.4337% | 725 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1213% | 7,978 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,667 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,247 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1578% | 7,940 |
| Percentage Net Loans Charged-off: Home equity loans | -1.2769% | 5,938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6981% | 1,212 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1273% | 3,477 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.3100% | 467 |
| 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 | 0.0706% | 1,449 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 118 |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.2679% | 638 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9203% | 1,075 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,865 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,395 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2125% | 639 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1090% | 411 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2910% | 585 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0121% | 6,787 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.6349% | 552 |
| 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 | 0.0687% | 1,121 |
| 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 | NA | NA |
| 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 | 1.4104% | 572 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1153% | 2,792 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,246 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,766 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1501% | 1,983 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1736% | 847 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1337% | 1,957 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0914% | 3,316 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.3383% | 672 |
| 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 | 0.1468% | 1,221 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 90 |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3244% | 2,013 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0820% | 2,561 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,702 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,334 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1070% | 1,880 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0914% | 784 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1176% | 1,683 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0775% | 2,761 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4855% | 2,919 |
| 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 | 0.1404% | 1,093 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 70 |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3683% | 1,386 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0770% | 1,870 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,119 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 813 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1007% | 1,378 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0852% | 506 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1111% | 1,229 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2757% | 1,499 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5293% | 2,386 |
| 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 | 0.2275% | 780 |
| 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 | 0.4069% | 1,388 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0120% | 3,793 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,563 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,679 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0159% | 3,012 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0999% | 6,052 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0931% | 1,851 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3158% | 2,353 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6592% | 2,490 |
| 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 | 0.1970% | 1,190 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 73 |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3996% | 995 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0388% | 8,061 |
| 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 | -0.0517% | 8,070 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0654% | 6,029 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0425% | 8,005 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2721% | 1,978 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6887% | 2,061 |
| 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 | 0.1738% | 1,063 |
| 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 | 0.3467% | 1,046 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0814% | 8,201 |
| 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 | -0.1083% | 8,193 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0077% | 5,949 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1758% | 8,234 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1047% | 2,169 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6457% | 1,979 |
| 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 | 0.1319% | 1,036 |
| 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 | 0.3493% | 873 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1145% | 8,307 |
| 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 | -0.1524% | 8,278 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0051% | 367 |
| All other 1-4 family - Percent of loans charged-off, net | -0.2601% | 8,297 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0076% | 1,827 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6808% | 1,759 |
| 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 | 0.1422% | 759 |
| 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 | 0.5316% | 681 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0932% | 1,385 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0006% | 7,753 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1242% | 1,221 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0878% | 6,085 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3073% | 546 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0462% | 3,320 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9455% | 1,575 |
| 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 | 0.1300% | 1,186 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5104% | 595 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0453% | 1,688 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0008% | 7,799 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0605% | 1,508 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1002% | 6,079 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2062% | 661 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0403% | 7,098 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9594% | 1,381 |
| 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 | 0.1251% | 1,072 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 29 |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5005% | 598 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0930% | 1,027 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0012% | 7,894 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1236% | 922 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0368% | 6,011 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2756% | 482 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0343% | 2,424 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9170% | 1,392 |
| 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 | 0.1111% | 955 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6635% | 415 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0667% | 900 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0025% | 7,990 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0888% | 809 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0751% | 232 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1022% | 728 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1790% | 1,239 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2601% | 1,020 |
| 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 | 0.1045% | 765 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 12 |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.6019% | 155 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0641% | 1,701 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2057% | 565 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0251% | 2,465 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0908% | 6,076 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1546% | 1,045 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0898% | 3,383 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.4367% | 247 |
| 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 | 0.1314% | 1,208 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0699% | 24 |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.8511% | 122 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1017% | 1,112 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2784% | 397 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0537% | 1,693 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0644% | 6,018 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1883% | 789 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1218% | 2,661 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.0169% | 184 |
| 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 | 0.1460% | 1,030 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0895% | 16 |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.0642% | 117 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1330% | 841 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3734% | 295 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0682% | 1,332 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0354% | 5,940 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1863% | 736 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1787% | 2,082 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.4050% | 160 |
| 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 | 0.1976% | 818 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.1404% | 13 |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.9950% | 139 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0612% | 1,068 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0052% | 8,174 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0812% | 965 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0096% | 5,906 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1836% | 643 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3239% | 1,227 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.3198% | 204 |
| 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 | 0.2387% | 603 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 13 |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.7354% | 204 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1433% | 1,239 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0051% | 8,175 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1912% | 998 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0276% | 6,001 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3212% | 623 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0930% | 3,649 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.5635% | 129 |
| 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 | 0.0273% | 1,547 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 27 |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.4717% | 239 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1490% | 1,020 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0051% | 8,211 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1995% | 824 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0008% | 5,916 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2984% | 584 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0962% | 3,035 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.0679% | 159 |
| 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 | 0.0202% | 1,364 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1619% | 346 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1292% | 1,085 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0051% | 8,290 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1724% | 877 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0308% | 5,967 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2622% | 652 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1495% | 2,388 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.5808% | 202 |
| 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 | 0.0129% | 1,186 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 19 |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.3879% | 305 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0931% | 1,047 |
| 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 | -0.5031% | 6,298 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1260% | 859 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0754% | 5,943 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2064% | 636 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1097% | 1,817 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.9144% | 230 |
| 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 | 0.0167% | 871 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 12 |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.1028% | 195 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5210% | 84 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0180% | 8,476 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.0077% | 69 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0126% | 586 |
| All other 1-4 family - Percent of loans charged-off, net | 2.5059% | 48 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0909% | 4,159 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.3281% | 231 |
| 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 | 0.0690% | 1,619 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.3801% | 49 |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.2362% | 165 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.8681% | 47 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0217% | 8,550 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.4582% | 49 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0673% | 365 |
| All other 1-4 family - Percent of loans charged-off, net | 2.9960% | 37 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0590% | 3,790 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.8703% | 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 | 0.1054% | 1,341 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 45 |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2190% | 410 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3768% | 469 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0177% | 8,546 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4989% | 380 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0504% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5908% | 325 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1060% | 3,059 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.8570% | 462 |
| 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 | 0.1444% | 1,118 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 37 |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8226% | 623 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3419% | 460 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0228% | 8,675 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4555% | 371 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5401% | 326 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3015% | 1,691 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7164% | 1,098 |
| 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 | 0.2199% | 752 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9359% | 767 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5958% | 351 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0201% | 1,419 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7593% | 246 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1759% | 326 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8191% | 221 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0739% | 4,401 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0297% | 871 |
| 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 | 0.3154% | 1,231 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0452% | 49 |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.7369% | 103 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.6788% | 10 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0929% | 965 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 5.4182% | 7 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1971% | 313 |
| All other 1-4 family - Percent of loans charged-off, net | 5.7389% | 8 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0354% | 8,163 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9728% | 2,335 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 2,107 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2584% | 1,267 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.9611% | 49 |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5496% | 1,175 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5703% | 36 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0369% | 293 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6621% | 44 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3259% | 93 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6923% | 44 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0875% | 873 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9866% | 418 |
| Percentage Net Loans Charged-off: Credit card loans | -1.4493% | 1,336 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2025% | 244 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2141% | 3,052 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2276% | 108 |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2276% | 125 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1554% | 171 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2327% | 124 |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 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 | 0.1274% | 4,578 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1352% | 218 |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1352% | 219 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0975% | 236 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1384% | 200 |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 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 | 0.0377% | 7,110 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0402% | 578 |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0402% | 596 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0425% | 1,265 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0497% | 501 |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 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 | 0.0104% | 8,370 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0112% | 877 |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0112% | 869 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0770% | 292 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0026% | 958 |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 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 | 0.4397% | 1,959 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4755% | 155 |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4755% | 80 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4400% | 88 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4807% | 83 |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 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 | 0.1413% | 4,909 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1490% | 478 |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1490% | 303 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0969% | 234 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1583% | 298 |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 371 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |