Home > Whidbey Island Bank > Net charge- offs to loans
Whidbey Island Bank, Net charge- offs to loans
| 2014-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0011% | 3,651 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0202% | 5,687 |
| Percentage Net Loans Charged-off:Construction & development | 0.3846% | 398 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,059 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 176 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.3036% | 6,469 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0256% | 4,502 |
| All other 1-4 family - Percent of loans charged-off, net | -0.4987% | 6,512 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1367% | 5,548 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3421% | 1,787 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4909% | 334 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3022% | 1,767 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0464% | 818 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1823% | 3,012 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1209% | 2,975 |
| Percentage Net Loans Charged-off:Construction & development | -0.3972% | 5,819 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0032% | 5,844 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 619 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8829% | 568 |
| Percentage Net Loans Charged-off: Home equity loans | 2.1098% | 148 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0992% | 2,887 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2887% | 1,959 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5053% | 2,063 |
| Percentage Net Loans Charged-off: Credit card loans | 2.0281% | 344 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4508% | 2,079 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.9059% | 488 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2549% | 2,285 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2172% | 2,062 |
| Percentage Net Loans Charged-off:Construction & development | 0.1601% | 1,233 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0055% | 2,325 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 515 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0535% | 454 |
| Percentage Net Loans Charged-off: Home equity loans | 2.6437% | 133 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0562% | 3,025 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3815% | 1,559 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3423% | 2,345 |
| Percentage Net Loans Charged-off: Credit card loans | 2.1811% | 327 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2772% | 2,409 |
| Percentage Net Loans Charged-off: All other loans and lease | 1.0053% | 437 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2776% | 2,095 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2267% | 1,995 |
| Percentage Net Loans Charged-off:Construction & development | 0.2409% | 1,037 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0174% | 1,947 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0110% | 517 |
| Percentage Net Loans Charged-off: Home equity loans | 2.3318% | 168 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2091% | 1,867 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6213% | 1,134 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3405% | 2,186 |
| Percentage Net Loans Charged-off: Credit card loans | 2.5608% | 282 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2616% | 2,289 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3236% | 657 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2500% | 1,958 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2614% | 1,564 |
| Percentage Net Loans Charged-off:Construction & development | 0.3607% | 725 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0361% | 1,313 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0516% | 511 |
| Percentage Net Loans Charged-off: Home equity loans | 2.6761% | 131 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0979% | 1,936 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0334% | 1,589 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3983% | 1,825 |
| Percentage Net Loans Charged-off: Credit card loans | 3.6855% | 189 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2810% | 1,954 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2485% | 610 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7368% | 1,601 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6508% | 1,578 |
| Percentage Net Loans Charged-off:Construction & development | 3.0850% | 834 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1726% | 2,388 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 851 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7349% | 1,252 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9892% | 659 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5936% | 1,469 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2817% | 1,218 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0087% | 1,381 |
| Percentage Net Loans Charged-off: Credit card loans | 3.9125% | 214 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.9075% | 1,388 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0365% | 1,457 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8697% | 1,264 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7979% | 1,261 |
| Percentage Net Loans Charged-off:Construction & development | 3.2587% | 761 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2789% | 1,811 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9828% | 897 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1761% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8752% | 1,020 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4161% | 1,019 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0369% | 1,235 |
| Percentage Net Loans Charged-off: Credit card loans | 5.0574% | 145 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.8985% | 1,291 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0098% | 5,852 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8869% | 1,241 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7585% | 1,313 |
| Percentage Net Loans Charged-off:Construction & development | 2.3689% | 877 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4032% | 1,402 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9393% | 968 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5693% | 792 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1435% | 768 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7800% | 866 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1769% | 1,064 |
| Percentage Net Loans Charged-off: Credit card loans | 3.9393% | 223 |
| Percentage Net Loans Charged-off: Other loans to individual | 1.0822% | 1,037 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,276 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7456% | 1,368 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5417% | 1,520 |
| Percentage Net Loans Charged-off:Construction & development | 2.0509% | 735 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0293% | 1,632 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1982% | 711 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4919% | 696 |
| All other 1-4 family - Percent of loans charged-off, net | 1.5854% | 526 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1377% | 623 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1624% | 1,009 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7055% | 388 |
| Percentage Net Loans Charged-off: Other loans to individual | 1.1438% | 923 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 960 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9850% | 1,761 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0838% | 1,485 |
| Percentage Net Loans Charged-off:Construction & development | 3.7308% | 1,230 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2509% | 2,563 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1374% | 914 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.6668% | 709 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5465% | 1,177 |
| All other 1-4 family - Percent of loans charged-off, net | 2.2962% | 474 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2909% | 3,205 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9316% | 1,757 |
| Percentage Net Loans Charged-off: Credit card loans | 4.1757% | 261 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7099% | 1,939 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0150% | 5,926 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9666% | 1,661 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0587% | 1,358 |
| Percentage Net Loans Charged-off:Construction & development | 3.6962% | 1,096 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2290% | 2,273 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1795% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.5662% | 697 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5804% | 1,022 |
| All other 1-4 family - Percent of loans charged-off, net | 2.1308% | 483 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4091% | 2,563 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8289% | 1,807 |
| Percentage Net Loans Charged-off: Credit card loans | 4.3083% | 256 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5963% | 1,991 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0204% | 5,980 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9234% | 1,683 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0001% | 1,399 |
| Percentage Net Loans Charged-off:Construction & development | 2.2786% | 1,305 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2974% | 1,830 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.2652% | 578 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.2746% | 448 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7959% | 806 |
| All other 1-4 family - Percent of loans charged-off, net | 3.1306% | 302 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5161% | 2,150 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7604% | 1,842 |
| Percentage Net Loans Charged-off: Credit card loans | 3.5456% | 316 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5293% | 2,007 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0157% | 5,978 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8650% | 1,526 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8483% | 1,347 |
| Percentage Net Loans Charged-off:Construction & development | 1.7538% | 1,034 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0412% | 7,026 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5256% | 328 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.9398% | 318 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5644% | 417 |
| All other 1-4 family - Percent of loans charged-off, net | 3.7310% | 238 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7573% | 1,406 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2055% | 1,161 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3199% | 411 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.8277% | 1,252 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0311% | 6,038 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9156% | 2,350 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7859% | 2,272 |
| Percentage Net Loans Charged-off:Construction & development | 2.1231% | 2,026 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2374% | 2,689 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2840% | 1,105 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2760% | 1,517 |
| All other 1-4 family - Percent of loans charged-off, net | 1.9196% | 710 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6987% | 1,851 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2594% | 1,764 |
| Percentage Net Loans Charged-off: Credit card loans | 3.2177% | 496 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3415% | 1,219 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 165 |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9222% | 2,156 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7623% | 2,123 |
| Percentage Net Loans Charged-off:Construction & development | 2.4859% | 1,714 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1321% | 2,660 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1718% | 1,071 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3808% | 1,223 |
| All other 1-4 family - Percent of loans charged-off, net | 1.6892% | 749 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1214% | 1,398 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1004% | 1,831 |
| Percentage Net Loans Charged-off: Credit card loans | 3.7655% | 421 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4710% | 1,006 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 143 |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8537% | 2,122 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7132% | 2,035 |
| Percentage Net Loans Charged-off:Construction & development | 2.3543% | 1,523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0601% | 2,407 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2411% | 969 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4100% | 1,035 |
| All other 1-4 family - Percent of loans charged-off, net | 1.8285% | 689 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5891% | 1,555 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1492% | 1,696 |
| Percentage Net Loans Charged-off: Credit card loans | 3.9044% | 405 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.8261% | 724 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9247% | 1,735 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6814% | 1,757 |
| Percentage Net Loans Charged-off:Construction & development | 1.9879% | 1,206 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0024% | 7,293 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.5116% | 736 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8360% | 603 |
| All other 1-4 family - Percent of loans charged-off, net | 2.0128% | 560 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0856% | 1,036 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2806% | 1,503 |
| Percentage Net Loans Charged-off: Credit card loans | 3.9222% | 405 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.1677% | 387 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7572% | 2,929 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6137% | 2,614 |
| Percentage Net Loans Charged-off:Construction & development | 2.0580% | 2,068 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0454% | 7,670 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8358% | 1,478 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6729% | 1,067 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9421% | 1,295 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6301% | 3,467 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6307% | 1,702 |
| Percentage Net Loans Charged-off: Credit card loans | 7.7856% | 234 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -1.3253% | 7,047 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6974% | 2,606 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5454% | 2,341 |
| Percentage Net Loans Charged-off:Construction & development | 1.8294% | 1,799 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0823% | 7,763 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7508% | 1,359 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4812% | 1,060 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9220% | 1,113 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5624% | 3,028 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6284% | 1,582 |
| Percentage Net Loans Charged-off: Credit card loans | 8.7749% | 185 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -1.7874% | 7,082 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7080% | 2,285 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5679% | 1,983 |
| Percentage Net Loans Charged-off:Construction & development | 2.0815% | 1,407 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1281% | 1,736 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1073% | 2,973 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0484% | 5,871 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2029% | 2,316 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5844% | 2,533 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4632% | 1,660 |
| Percentage Net Loans Charged-off: Credit card loans | 8.9808% | 194 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2845% | 1,129 |
| 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 | 0.6645% | 1,852 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4651% | 1,681 |
| Percentage Net Loans Charged-off:Construction & development | 1.5225% | 1,072 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1825% | 976 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0153% | 7,670 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0999% | 5,887 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0339% | 2,350 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1396% | 2,432 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8850% | 1,217 |
| Percentage Net Loans Charged-off: Credit card loans | 12.2345% | 113 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.2129% | 564 |
| 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 | 0.4789% | 2,437 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2268% | 2,724 |
| Percentage Net Loans Charged-off:Construction & development | 0.2670% | 2,306 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2130% | 1,374 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2573% | 1,904 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2707% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2506% | 1,844 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7597% | 2,160 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4366% | 1,559 |
| Percentage Net Loans Charged-off: Credit card loans | 4.3548% | 339 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,901 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4543% | 1,851 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2836% | 1,750 |
| Percentage Net Loans Charged-off:Construction & development | 0.4205% | 1,519 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1785% | 1,005 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4317% | 1,018 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2953% | 714 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4989% | 850 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5481% | 1,932 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1569% | 1,611 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9909% | 630 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,634 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3959% | 1,692 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2932% | 1,368 |
| Percentage Net Loans Charged-off:Construction & development | 0.4357% | 1,053 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1687% | 785 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4816% | 797 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4502% | 476 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4967% | 735 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4996% | 1,631 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7940% | 2,096 |
| Percentage Net Loans Charged-off: Credit card loans | 0.6606% | 856 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3681% | 1,388 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2180% | 1,185 |
| Percentage Net Loans Charged-off:Construction & development | 0.2593% | 781 |
| 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 | 0.7433% | 429 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9257% | 224 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6576% | 443 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9159% | 851 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6965% | 2,019 |
| Percentage Net Loans Charged-off: Credit card loans | -0.1318% | 1,706 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2516% | 2,176 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0778% | 2,416 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,563 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0764% | 1,163 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1884% | 1,294 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2745% | 956 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5408% | 1,804 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8210% | 2,013 |
| Percentage Net Loans Charged-off: Credit card loans | 1.8793% | 633 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.3893% | 7,339 |
| 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 | 0.2644% | 1,519 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0964% | 1,542 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,085 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0785% | 776 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2685% | 737 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3917% | 487 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6655% | 1,248 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7542% | 1,866 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2468% | 755 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.3704% | 7,332 |
| 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 | 0.2483% | 1,432 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0563% | 1,610 |
| 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 | 0.2541% | 673 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3693% | 469 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8927% | 861 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6977% | 1,843 |
| Percentage Net Loans Charged-off: Credit card loans | 0.7040% | 812 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0202% | 1,281 |
| 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 | 0.2117% | 1,337 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1162% | 809 |
| 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 | 0.5178% | 308 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7513% | 204 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6565% | 770 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3927% | 2,435 |
| Percentage Net Loans Charged-off: Credit card loans | 0.7260% | 701 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0416% | 893 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2107% | 1,912 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0153% | 2,857 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0679% | 1,754 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1007% | 1,366 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3538% | 755 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3723% | 3,495 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2923% | 805 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.3712% | 472 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1736% | 1,810 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0229% | 2,185 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1014% | 1,165 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1510% | 859 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7144% | 1,020 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3816% | 3,051 |
| Percentage Net Loans Charged-off: Credit card loans | 0.7713% | 905 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.8012% | 361 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1536% | 1,858 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0365% | 1,620 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1595% | 782 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2382% | 557 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6085% | 1,037 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4174% | 2,649 |
| Percentage Net Loans Charged-off: Credit card loans | 1.1658% | 715 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,212 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1120% | 1,981 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0523% | 1,003 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 498 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2244% | 477 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3345% | 349 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2155% | 7,680 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4893% | 2,191 |
| Percentage Net Loans Charged-off: Credit card loans | 0.3107% | 810 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2195% | 2,130 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0106% | 7,943 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,340 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0431% | 8,323 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0614% | 8,350 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5824% | 1,720 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8684% | 2,189 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8963% | 1,217 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,616 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1781% | 2,165 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0326% | 8,211 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,046 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1306% | 8,483 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1842% | 8,506 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3246% | 1,933 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8270% | 1,985 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8186% | 1,094 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,405 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0993% | 2,893 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0500% | 8,295 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 810 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1986% | 8,534 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | -0.2768% | 8,559 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1434% | 2,212 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5687% | 2,604 |
| Percentage Net Loans Charged-off: Credit card loans | -1.0660% | 2,080 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,156 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1864% | 1,672 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0953% | 8,503 |
| 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 | -0.3800% | 8,664 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | -0.5256% | 8,665 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2065% | 1,422 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0732% | 1,416 |
| Percentage Net Loans Charged-off: Credit card loans | -0.7197% | 2,021 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 839 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3125% | 1,850 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0362% | 2,609 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,548 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1438% | 1,248 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0663% | 468 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1726% | 1,088 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5743% | 1,972 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9594% | 2,140 |
| Percentage Net Loans Charged-off: Credit card loans | 4.1299% | 438 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,643 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2316% | 2,079 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0066% | 7,956 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,213 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0265% | 8,295 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0860% | 361 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0684% | 8,503 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1510% | 2,780 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8687% | 2,204 |
| Percentage Net Loans Charged-off: Credit card loans | 3.4044% | 552 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,414 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2972% | 1,591 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0030% | 2,712 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0119% | 2,073 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2051% | 210 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0585% | 8,495 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2304% | 2,127 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0402% | 1,796 |
| Percentage Net Loans Charged-off: Credit card loans | 4.7968% | 372 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,207 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3550% | 1,238 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0025% | 7,860 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0096% | 8,175 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0129% | 8,231 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7055% | 1,020 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0813% | 1,671 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3928% | 690 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 887 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5438% | 1,344 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0615% | 2,321 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,593 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2028% | 1,109 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2543% | 938 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.2271% | 803 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9967% | 2,363 |
| Percentage Net Loans Charged-off: Credit card loans | 2.7073% | 946 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,856 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4566% | 1,410 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0449% | 2,234 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,273 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1423% | 1,207 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1763% | 1,033 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7757% | 854 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8707% | 2,517 |
| Percentage Net Loans Charged-off: Credit card loans | 3.1834% | 776 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,617 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5039% | 1,224 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0688% | 1,640 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 978 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2105% | 829 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2593% | 710 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0520% | 749 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8720% | 2,363 |
| Percentage Net Loans Charged-off: Credit card loans | 2.7283% | 841 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,407 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3617% | 1,513 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0462% | 1,469 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 618 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1483% | 841 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1873% | 735 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5642% | 1,364 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9332% | 2,080 |
| Percentage Net Loans Charged-off: Credit card loans | 4.3502% | 516 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6429% | 1,260 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0280% | 3,052 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,573 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0835% | 1,872 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1055% | 1,593 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.1101% | 661 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8590% | 2,795 |
| Percentage Net Loans Charged-off: Credit card loans | 2.7927% | 1,013 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,956 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3312% | 2,437 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0984% | 1,683 |
| Percentage Net Loans Charged-off:Construction & development | 0.0699% | 629 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2156% | 889 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3844% | 222 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1834% | 985 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4339% | 2,846 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6995% | 3,271 |
| Percentage Net Loans Charged-off: Credit card loans | 2.9103% | 917 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.6765% | 493 |
| 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 | 0.3967% | 1,680 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0112% | 752 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0237% | 333 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 864 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2558% | 189 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5589% | 725 |
| Percentage Net Loans Charged-off: Credit card loans | 1.1310% | 732 |
| 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 | 0.3158% | 2,205 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2150% | 3,296 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1463% | 4,600 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2471% | 3,500 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2846% | 2,971 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0740% | 6,324 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2209% | 5,108 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2159% | 7,067 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |