Home > Citizens Bank > Net charge- offs to loans
Citizens Bank, Net charge- offs to loans
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8021% | 763 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3172% | 371 |
| Percentage Net Loans Charged-off:Construction & development | 3.2294% | 304 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5601% | 656 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.3004% | 5,397 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.0240% | 210 |
| Percentage Net Loans Charged-off: Home equity loans | 1.3450% | 254 |
| All other 1-4 family - Percent of loans charged-off, net | 2.3843% | 184 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0899% | 5,568 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6794% | 1,340 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 554 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6794% | 1,217 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0266% | 915 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.6719% | 1,308 |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.5630% | 557 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.2691% | 257 |
| Percentage Net Loans Charged-off:Construction & development | 3.1571% | 818 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.7797% | 468 |
| Percentage Net Loans Charged-off: Multi-family residential | -1.5084% | 5,600 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.9122% | 169 |
| Percentage Net Loans Charged-off: Home equity loans | 3.2474% | 181 |
| All other 1-4 family - Percent of loans charged-off, net | 2.7436% | 215 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3198% | 2,446 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1181% | 1,240 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 887 |
| Percentage Net Loans Charged-off: Other loans to individual | 1.1181% | 1,138 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4918% | 780 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 125 |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.6786% | 489 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.4229% | 243 |
| Percentage Net Loans Charged-off:Construction & development | 2.8153% | 842 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.0549% | 362 |
| Percentage Net Loans Charged-off: Multi-family residential | -1.8201% | 5,630 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.9985% | 184 |
| Percentage Net Loans Charged-off: Home equity loans | 3.4818% | 166 |
| All other 1-4 family - Percent of loans charged-off, net | 2.7580% | 246 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3986% | 2,032 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0824% | 1,181 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 811 |
| Percentage Net Loans Charged-off: Other loans to individual | 1.0824% | 1,065 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.6710% | 603 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 111 |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.8162% | 487 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.5530% | 252 |
| Percentage Net Loans Charged-off:Construction & development | 3.2337% | 719 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.9342% | 406 |
| Percentage Net Loans Charged-off: Multi-family residential | -2.7977% | 5,645 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.4118% | 177 |
| Percentage Net Loans Charged-off: Home equity loans | 4.2224% | 136 |
| All other 1-4 family - Percent of loans charged-off, net | 3.0104% | 230 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5172% | 1,708 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1480% | 1,094 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 735 |
| Percentage Net Loans Charged-off: Other loans to individual | 1.1480% | 980 |
| Percentage Net Loans Charged-off: All other loans and lease | 1.0205% | 457 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 96 |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.0297% | 458 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.7976% | 259 |
| Percentage Net Loans Charged-off:Construction & development | 4.5053% | 468 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.7335% | 435 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0363% | 5,561 |
| Percentage Net Loans Charged-off: 1-4 family residential | 4.1218% | 130 |
| Percentage Net Loans Charged-off: Home equity loans | 5.4999% | 96 |
| All other 1-4 family - Percent of loans charged-off, net | 3.4417% | 205 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7349% | 1,093 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2886% | 921 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 576 |
| Percentage Net Loans Charged-off: Other loans to individual | 1.2886% | 825 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0031% | 5,879 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 67 |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 4.5366% | 104 |
| Percentage Net Loans Charged-off: Total real estate loans | 6.0524% | 50 |
| Percentage Net Loans Charged-off:Construction & development | 15.2873% | 233 |
| Percentage Net Loans Charged-off: Commercial real estate | 7.6421% | 42 |
| Percentage Net Loans Charged-off: Multi-family residential | 6.9226% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.0700% | 290 |
| Percentage Net Loans Charged-off: Home equity loans | 2.3553% | 388 |
| All other 1-4 family - Percent of loans charged-off, net | 3.4033% | 267 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5271% | 963 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2267% | 1,383 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 959 |
| Percentage Net Loans Charged-off: Other loans to individual | 1.2239% | 1,194 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4470% | 843 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 114 |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 5.2416% | 88 |
| Percentage Net Loans Charged-off: Total real estate loans | 6.8689% | 47 |
| Percentage Net Loans Charged-off:Construction & development | 16.5618% | 200 |
| Percentage Net Loans Charged-off: Commercial real estate | 8.6501% | 40 |
| Percentage Net Loans Charged-off: Multi-family residential | 8.8436% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.3987% | 236 |
| Percentage Net Loans Charged-off: Home equity loans | 2.0919% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 4.0009% | 197 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.3933% | 645 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1497% | 1,347 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 902 |
| Percentage Net Loans Charged-off: Other loans to individual | 1.1462% | 1,126 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5945% | 702 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 102 |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 6.6662% | 63 |
| Percentage Net Loans Charged-off: Total real estate loans | 8.5521% | 36 |
| Percentage Net Loans Charged-off:Construction & development | 19.9812% | 158 |
| Percentage Net Loans Charged-off: Commercial real estate | 12.1070% | 28 |
| Percentage Net Loans Charged-off: Multi-family residential | 12.7907% | 82 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.4543% | 405 |
| Percentage Net Loans Charged-off: Home equity loans | 2.3019% | 376 |
| All other 1-4 family - Percent of loans charged-off, net | 2.5237% | 392 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.1010% | 389 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0454% | 1,423 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 808 |
| Percentage Net Loans Charged-off: Other loans to individual | 1.0409% | 1,159 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.7387% | 575 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 93 |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 10.7099% | 30 |
| Percentage Net Loans Charged-off: Total real estate loans | 13.5190% | 26 |
| Percentage Net Loans Charged-off:Construction & development | 24.7133% | 108 |
| Percentage Net Loans Charged-off: Commercial real estate | 20.7845% | 15 |
| Percentage Net Loans Charged-off: Multi-family residential | 22.6686% | 45 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.7497% | 354 |
| Percentage Net Loans Charged-off: Home equity loans | 2.0937% | 336 |
| All other 1-4 family - Percent of loans charged-off, net | 3.0470% | 313 |
| Percentage Net Loans Charged-off: Commercial and industrial | 9.3734% | 180 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0713% | 1,282 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 649 |
| Percentage Net Loans Charged-off: Other loans to individual | 1.0641% | 1,006 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4827% | 548 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 61 |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 6.0862% | 94 |
| Percentage Net Loans Charged-off: Total real estate loans | 7.7134% | 38 |
| Percentage Net Loans Charged-off:Construction & development | 14.4320% | 317 |
| Percentage Net Loans Charged-off: Commercial real estate | 6.0306% | 97 |
| Percentage Net Loans Charged-off: Multi-family residential | 10.3040% | 153 |
| Percentage Net Loans Charged-off: 1-4 family residential | 7.9334% | 43 |
| Percentage Net Loans Charged-off: Home equity loans | 3.1680% | 293 |
| All other 1-4 family - Percent of loans charged-off, net | 9.9873% | 34 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.2294% | 1,053 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5572% | 1,438 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,060 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0226% | 1,886 |
| 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 | 4.9893% | 177 |
| Percentage Net Loans Charged-off: Total real estate loans | 6.3969% | 86 |
| Percentage Net Loans Charged-off:Construction & development | 8.0972% | 698 |
| Percentage Net Loans Charged-off: Commercial real estate | 4.0177% | 205 |
| Percentage Net Loans Charged-off: Multi-family residential | 6.7674% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 8.9047% | 41 |
| Percentage Net Loans Charged-off: Home equity loans | 3.2349% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 11.3221% | 33 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9357% | 1,490 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5755% | 1,333 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 993 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0240% | 1,680 |
| 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 | 5.0154% | 205 |
| Percentage Net Loans Charged-off: Total real estate loans | 6.2425% | 113 |
| Percentage Net Loans Charged-off:Construction & development | 7.5797% | 675 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.3715% | 279 |
| Percentage Net Loans Charged-off: Multi-family residential | 4.6216% | 231 |
| Percentage Net Loans Charged-off: 1-4 family residential | 9.6509% | 48 |
| Percentage Net Loans Charged-off: Home equity loans | 2.2392% | 398 |
| All other 1-4 family - Percent of loans charged-off, net | 12.7768% | 32 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5615% | 1,104 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7537% | 1,162 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 903 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0417% | 1,411 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 111 |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 6.1148% | 173 |
| Percentage Net Loans Charged-off: Total real estate loans | 7.7723% | 90 |
| Percentage Net Loans Charged-off:Construction & development | 0.7044% | 1,600 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.8723% | 493 |
| Percentage Net Loans Charged-off: Multi-family residential | 6.5232% | 140 |
| Percentage Net Loans Charged-off: 1-4 family residential | 16.8930% | 18 |
| Percentage Net Loans Charged-off: Home equity loans | 2.6805% | 307 |
| All other 1-4 family - Percent of loans charged-off, net | 22.7931% | 15 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.6468% | 879 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7175% | 1,171 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 753 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0057% | 6,324 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 72 |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.8224% | 783 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.7977% | 689 |
| Percentage Net Loans Charged-off:Construction & development | 6.8052% | 914 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.2881% | 492 |
| Percentage Net Loans Charged-off: Multi-family residential | 6.7313% | 190 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.7562% | 758 |
| Percentage Net Loans Charged-off: Home equity loans | 1.7696% | 537 |
| All other 1-4 family - Percent of loans charged-off, net | 1.7510% | 765 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.4243% | 1,181 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4995% | 1,034 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,179 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5795% | 1,218 |
| 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 | 2.4353% | 755 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.4920% | 628 |
| Percentage Net Loans Charged-off:Construction & development | 3.9180% | 1,189 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.2324% | 371 |
| Percentage Net Loans Charged-off: Multi-family residential | 8.2689% | 112 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.6893% | 664 |
| Percentage Net Loans Charged-off: Home equity loans | 1.8180% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 1.6393% | 680 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5446% | 1,248 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2099% | 1,128 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,103 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.7443% | 955 |
| 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 | 1.9550% | 949 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.1275% | 711 |
| Percentage Net Loans Charged-off:Construction & development | 4.8123% | 854 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.7082% | 424 |
| Percentage Net Loans Charged-off: Multi-family residential | 7.3082% | 97 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1522% | 859 |
| Percentage Net Loans Charged-off: Home equity loans | 1.7806% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9098% | 999 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1478% | 1,847 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4232% | 971 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,008 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0442% | 6,758 |
| 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 | 1.6478% | 879 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6528% | 695 |
| Percentage Net Loans Charged-off:Construction & development | 4.3805% | 627 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.4182% | 346 |
| Percentage Net Loans Charged-off: Multi-family residential | 3.1785% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8811% | 831 |
| Percentage Net Loans Charged-off: Home equity loans | 1.3594% | 370 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6988% | 924 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3496% | 1,228 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4135% | 919 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 800 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0021% | 6,618 |
| 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 | 2.0327% | 527 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.3102% | 336 |
| Percentage Net Loans Charged-off:Construction & development | 8.2831% | 259 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9636% | 543 |
| Percentage Net Loans Charged-off: Multi-family residential | 5.9279% | 98 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3724% | 439 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2498% | 377 |
| All other 1-4 family - Percent of loans charged-off, net | 1.4156% | 408 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2641% | 1,564 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8854% | 1,109 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,198 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0794% | 1,621 |
| 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 | 1.5471% | 506 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.9840% | 276 |
| Percentage Net Loans Charged-off:Construction & development | 7.8180% | 188 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5173% | 542 |
| Percentage Net Loans Charged-off: Multi-family residential | 3.2722% | 112 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.4568% | 308 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2180% | 304 |
| All other 1-4 family - Percent of loans charged-off, net | 1.5396% | 272 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0526% | 3,541 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4931% | 1,203 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,100 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0109% | 6,717 |
| 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 | 1.8365% | 328 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.3862% | 170 |
| Percentage Net Loans Charged-off:Construction & development | 9.5313% | 125 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6355% | 380 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.2451% | 79 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.8825% | 197 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2408% | 258 |
| All other 1-4 family - Percent of loans charged-off, net | 2.1007% | 167 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1286% | 2,565 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4433% | 1,159 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 966 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0193% | 6,789 |
| 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 | 0.7365% | 710 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8068% | 436 |
| Percentage Net Loans Charged-off:Construction & development | 3.6221% | 192 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0891% | 605 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.8951% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6016% | 504 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9980% | 216 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4702% | 595 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1766% | 1,670 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3582% | 1,170 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 761 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0018% | 6,776 |
| 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 | 0.5522% | 969 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5919% | 460 |
| Percentage Net Loans Charged-off:Construction & development | 2.1422% | 219 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2591% | 703 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0008% | 6,210 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4246% | 631 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6914% | 243 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3332% | 791 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1715% | 2,869 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9729% | 1,657 |
| Percentage Net Loans Charged-off: Credit card loans | -76.1719% | 2,007 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0158% | 1,676 |
| 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 | 0.4544% | 875 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4806% | 344 |
| Percentage Net Loans Charged-off:Construction & development | 1.7378% | 157 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1654% | 580 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0011% | 6,161 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3732% | 529 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6803% | 181 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2670% | 706 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1174% | 2,541 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7868% | 1,769 |
| Percentage Net Loans Charged-off: Credit card loans | -87.2336% | 1,991 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0221% | 1,440 |
| 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 | 0.5079% | 706 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5602% | 260 |
| Percentage Net Loans Charged-off:Construction & development | 2.4297% | 81 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2112% | 391 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0017% | 6,150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2664% | 651 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6793% | 156 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1217% | 992 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1008% | 2,187 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7503% | 1,743 |
| Percentage Net Loans Charged-off: Credit card loans | -92.3132% | 1,974 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0345% | 1,237 |
| 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 | 0.1710% | 1,581 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1430% | 715 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 444 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0771% | 364 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3610% | 412 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4978% | 145 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2682% | 488 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2112% | 7,634 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7373% | 1,662 |
| Percentage Net Loans Charged-off: Credit card loans | -94.9153% | 1,956 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0172% | 941 |
| 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 | 0.2937% | 1,375 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2272% | 635 |
| Percentage Net Loans Charged-off:Construction & development | 0.2873% | 300 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1273% | 709 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0707% | 162 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3295% | 516 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4551% | 165 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2451% | 685 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1013% | 2,928 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7971% | 1,908 |
| Percentage Net Loans Charged-off: Credit card loans | -50.6173% | 2,082 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.2218% | 7,351 |
| 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 | 0.2094% | 1,529 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1619% | 685 |
| Percentage Net Loans Charged-off:Construction & development | 0.1290% | 315 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1246% | 561 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0982% | 114 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2178% | 639 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2763% | 192 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1788% | 748 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0460% | 7,145 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7122% | 1,889 |
| Percentage Net Loans Charged-off: Credit card loans | -48.1983% | 2,064 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.3425% | 7,454 |
| 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 | 0.2187% | 1,418 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1651% | 663 |
| Percentage Net Loans Charged-off:Construction & development | 0.1538% | 227 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0596% | 587 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1481% | 73 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2815% | 465 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3779% | 131 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2144% | 608 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0360% | 6,966 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7590% | 1,664 |
| Percentage Net Loans Charged-off: Credit card loans | -55.1450% | 2,045 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.4574% | 7,456 |
| 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 | 0.2929% | 940 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1828% | 468 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1711% | 261 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2497% | 449 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4615% | 104 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0951% | 749 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0726% | 1,475 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0464% | 1,243 |
| Percentage Net Loans Charged-off: Credit card loans | -37.1134% | 2,026 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.8442% | 7,473 |
| 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 | 0.1238% | 3,273 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2688% | 511 |
| Percentage Net Loans Charged-off:Construction & development | 0.0217% | 585 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2876% | 464 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3562% | 449 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1314% | 366 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5277% | 305 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.1317% | 8,256 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8517% | 2,225 |
| Percentage Net Loans Charged-off: Credit card loans | -2.8653% | 2,174 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0876% | 7,272 |
| 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 | 0.2948% | 1,368 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2500% | 475 |
| Percentage Net Loans Charged-off:Construction & development | 0.0614% | 367 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2740% | 402 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3088% | 471 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1124% | 326 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4590% | 326 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0062% | 3,368 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7593% | 2,175 |
| Percentage Net Loans Charged-off: Credit card loans | -3.6074% | 2,163 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1149% | 7,349 |
| 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 | 0.2422% | 1,551 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1890% | 645 |
| Percentage Net Loans Charged-off:Construction & development | 0.0613% | 299 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1602% | 443 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2945% | 493 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1016% | 287 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4420% | 344 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0105% | 2,818 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6602% | 2,318 |
| Percentage Net Loans Charged-off: Credit card loans | -3.7975% | 2,146 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0284% | 7,051 |
| 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 | 0.2696% | 1,236 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0718% | 994 |
| Percentage Net Loans Charged-off:Construction & development | -0.0024% | 7,708 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0651% | 8,380 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2333% | 543 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1454% | 192 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3033% | 449 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2187% | 1,403 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7947% | 1,863 |
| Percentage Net Loans Charged-off: Credit card loans | -9.4118% | 2,145 |
| 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 | 0.2261% | 2,469 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0181% | 3,119 |
| 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 | 0.0398% | 2,342 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0705% | 1,860 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0454% | 3,948 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8452% | 2,453 |
| Percentage Net Loans Charged-off: Credit card loans | -58.0357% | 2,621 |
| 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 | 0.2858% | 1,727 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0211% | 2,585 |
| 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 | 0.0467% | 1,900 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0822% | 1,472 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3529% | 2,107 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7780% | 2,443 |
| Percentage Net Loans Charged-off: Credit card loans | -54.1741% | 2,620 |
| 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 | 0.2800% | 1,671 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0166% | 2,319 |
| 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 | 0.0369% | 1,734 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0645% | 1,415 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3857% | 1,794 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7338% | 2,485 |
| Percentage Net Loans Charged-off: Credit card loans | -56.7164% | 2,631 |
| 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 | 0.4523% | 1,008 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0064% | 1,860 |
| 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 | 0.0144% | 1,473 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0250% | 1,286 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9153% | 869 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9332% | 1,914 |
| Percentage Net Loans Charged-off: Credit card loans | -54.3326% | 2,628 |
| 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 | 0.8282% | 773 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0526% | 2,480 |
| 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 | 0.1148% | 1,641 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1799% | 1,239 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1829% | 820 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0536% | 2,219 |
| Percentage Net Loans Charged-off: Credit card loans | -56.1720% | 2,816 |
| 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 | 1.0112% | 501 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0611% | 1,987 |
| 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 | 0.1322% | 1,259 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2021% | 929 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.8962% | 505 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0210% | 2,113 |
| Percentage Net Loans Charged-off: Credit card loans | -55.6549% | 2,816 |
| 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 | 1.1362% | 449 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0798% | 1,539 |
| 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 | 0.1724% | 947 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2572% | 714 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.2761% | 448 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0708% | 1,927 |
| Percentage Net Loans Charged-off: Credit card loans | -57.1429% | 2,804 |
| 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 | 1.5526% | 300 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1574% | 827 |
| 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 | 0.3397% | 480 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4938% | 356 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.6043% | 272 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1438% | 1,735 |
| Percentage Net Loans Charged-off: Credit card loans | -62.0690% | 2,797 |
| 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 | 1.5324% | 385 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0097% | 3,716 |
| 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 | 0.0207% | 2,869 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0281% | 2,595 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.8121% | 378 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9939% | 2,403 |
| Percentage Net Loans Charged-off: Credit card loans | -40.6225% | 2,983 |
| 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 | 0.0000% | 51 |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2898% | 2,767 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0054% | 3,727 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.2610% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0080% | 3,041 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0099% | 2,819 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3894% | 2,971 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7738% | 2,984 |
| Percentage Net Loans Charged-off: Credit card loans | 2.9429% | 908 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0005% | 7,601 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -55.0162% | 1,673 |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2587% | 2,552 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0068% | 826 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 426 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0119% | 732 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0291% | 315 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0085% | 725 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1303% | 793 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8938% | 459 |
| Percentage Net Loans Charged-off: Credit card loans | 3.1869% | 288 |
| 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 | 0.0000% | 23 |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3623% | 1,930 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0140% | 787 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 415 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0234% | 720 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0504% | 290 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0181% | 720 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0226% | 933 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3166% | 314 |
| Percentage Net Loans Charged-off: Credit card loans | 2.4138% | 452 |
| 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 | 0.0000% | 23 |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3864% | 1,931 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0178% | 724 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 457 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0263% | 638 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0314% | 560 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2272% | 587 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1391% | 414 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9385% | 628 |
| 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 | 0.0000% | 24 |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3326% | 2,480 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0405% | 575 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 477 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0574% | 498 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0684% | 413 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2015% | 581 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8807% | 617 |
| Percentage Net Loans Charged-off: Credit card loans | 2.0426% | 661 |
| 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 | 0.0000% | 31 |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2796% | 3,166 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0224% | 765 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0729% | 389 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0041% | 980 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0050% | 925 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4724% | 346 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5013% | 913 |
| Percentage Net Loans Charged-off: Credit card loans | 2.6584% | 484 |
| 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 | 0.0000% | 34 |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1293% | 5,013 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0015% | 1,240 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 615 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0024% | 1,331 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0031% | 1,338 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2810% | 439 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1244% | 1,204 |
| Percentage Net Loans Charged-off: Credit card loans | 1.1326% | 779 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3590% | 167 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 48 |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2825% | 3,135 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0419% | 775 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0970% | 513 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0178% | 827 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0197% | 767 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2986% | 453 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2752% | 903 |
| Percentage Net Loans Charged-off: Credit card loans | 0.9904% | 735 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.9602% | 77 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 53 |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3184% | 4,020 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0602% | 877 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0245% | 1,360 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1029% | 502 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1136% | 472 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8908% | 406 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4664% | 773 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0289% | 766 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0780% | 340 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 93 |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4689% | 4,490 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1021% | 941 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 639 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2903% | 678 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 418 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0190% | 987 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0208% | 921 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8457% | 642 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6364% | 838 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2209% | 829 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.8112% | 143 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 144 |