Home > North Cascades National Bank > Net charge- offs to loans
North Cascades National Bank, Net charge- offs to loans
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0281% | 4,301 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0323% | 3,408 |
| Percentage Net Loans Charged-off:Construction & development | 0.8955% | 746 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0525% | 6,349 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0886% | 2,631 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,077 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0888% | 2,475 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0165% | 2,300 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,451 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,315 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,232 |
| 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 | 0.1754% | 2,343 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2161% | 1,731 |
| Percentage Net Loans Charged-off:Construction & development | 1.8402% | 447 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0494% | 6,440 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4603% | 1,065 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 767 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4614% | 1,018 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,678 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,801 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,652 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 975 |
| 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 | 0.5042% | 2,227 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6588% | 1,559 |
| Percentage Net Loans Charged-off:Construction & development | 2.9554% | 855 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6954% | 1,223 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.6924% | 349 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0350% | 6,659 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,753 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0352% | 6,624 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.6275% | 6,550 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,463 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 4,313 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0150% | 1,582 |
| 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 | 0.6556% | 1,665 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8525% | 1,160 |
| Percentage Net Loans Charged-off:Construction & development | 3.8961% | 660 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8478% | 945 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.4388% | 264 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0144% | 4,105 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,549 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0145% | 3,934 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.9192% | 6,698 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,181 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 4,003 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0099% | 5,853 |
| 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 | 1.0728% | 1,020 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2560% | 756 |
| Percentage Net Loans Charged-off:Construction & development | 5.2289% | 497 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2854% | 630 |
| Percentage Net Loans Charged-off: Multi-family residential | 3.8942% | 174 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0055% | 3,786 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,330 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0056% | 3,602 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1161% | 2,436 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,766 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,588 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0148% | 5,884 |
| 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 | 1.2536% | 807 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4815% | 611 |
| Percentage Net Loans Charged-off:Construction & development | 9.6788% | 254 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6079% | 890 |
| Percentage Net Loans Charged-off: Multi-family residential | 9.1707% | 86 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0115% | 2,970 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 982 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0116% | 2,786 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,038 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,014 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0315% | 6,000 |
| 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 | 0.1931% | 4,596 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2745% | 3,527 |
| Percentage Net Loans Charged-off:Construction & development | 1.1395% | 2,065 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0281% | 6,904 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8624% | 1,430 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,926 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8776% | 1,381 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.8225% | 6,897 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,946 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 4,804 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5010% | 807 |
| 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 | 0.2805% | 3,680 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3624% | 2,872 |
| Percentage Net Loans Charged-off:Construction & development | 1.3993% | 1,728 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0262% | 6,924 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1589% | 1,015 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,690 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1809% | 987 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.7654% | 6,941 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,575 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 4,414 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.6833% | 654 |
| 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 | 0.4643% | 2,722 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4626% | 2,379 |
| Percentage Net Loans Charged-off:Construction & development | 1.0687% | 1,653 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0124% | 6,865 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.8264% | 610 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,446 |
| All other 1-4 family - Percent of loans charged-off, net | 1.8633% | 606 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1147% | 2,930 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,113 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,954 |
| Percentage Net Loans Charged-off: All other loans and lease | 1.0573% | 467 |
| 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 | 0.3441% | 2,684 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4171% | 2,071 |
| Percentage Net Loans Charged-off:Construction & development | 1.4891% | 1,096 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,892 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3039% | 784 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,026 |
| All other 1-4 family - Percent of loans charged-off, net | 1.3318% | 725 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0195% | 5,842 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,362 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,214 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,005 |
| 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 | 1.1049% | 2,017 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2754% | 3,840 |
| Percentage Net Loans Charged-off:Construction & development | 0.0643% | 3,299 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3641% | 2,354 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1794% | 3,585 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,940 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1847% | 3,437 |
| Percentage Net Loans Charged-off: Commercial and industrial | 8.2588% | 288 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0968% | 4,988 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7815% | 731 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0472% | 6,444 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4807% | 3,354 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3230% | 3,289 |
| Percentage Net Loans Charged-off:Construction & development | 0.0835% | 2,964 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4841% | 1,780 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 4,641 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,705 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 4,440 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0030% | 1,451 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1672% | 4,369 |
| Percentage Net Loans Charged-off: Credit card loans | 2.5321% | 552 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,786 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7444% | 2,376 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4755% | 2,538 |
| Percentage Net Loans Charged-off:Construction & development | 0.1200% | 2,552 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7243% | 1,228 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 4,093 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,414 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,888 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.3252% | 889 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2723% | 3,618 |
| Percentage Net Loans Charged-off: Credit card loans | 2.8503% | 505 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,540 |
| 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 | 0.8649% | 1,816 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1924% | 2,939 |
| Percentage Net Loans Charged-off:Construction & development | 0.2300% | 1,833 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0783% | 1,670 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,124 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 974 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,950 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.5330% | 408 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5218% | 2,580 |
| Percentage Net Loans Charged-off: Credit card loans | 5.9259% | 283 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,171 |
| 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 | 0.8451% | 2,714 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0112% | 1,908 |
| Percentage Net Loans Charged-off:Construction & development | 4.8996% | 1,260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,404 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6641% | 1,746 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,916 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6867% | 1,632 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3685% | 4,045 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4651% | 4,193 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2272% | 772 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0518% | 6,763 |
| 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 | 0.3476% | 3,900 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3664% | 2,865 |
| Percentage Net Loans Charged-off:Construction & development | 1.5463% | 1,906 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,820 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1796% | 2,935 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,611 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1858% | 2,747 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4675% | 3,214 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2777% | 4,543 |
| Percentage Net Loans Charged-off: Credit card loans | 0.9963% | 956 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0597% | 6,783 |
| 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 | 0.3302% | 3,534 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4246% | 2,319 |
| Percentage Net Loans Charged-off:Construction & development | 2.2858% | 1,353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,247 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,865 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,287 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,607 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,950 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0868% | 4,902 |
| 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 | -0.0117% | 6,630 |
| 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 | 0.0016% | 5,716 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,748 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,865 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,395 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,745 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,521 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,811 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0826% | 4,085 |
| 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 | 0.0000% | 1,234 |
| 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 | 0.1754% | 4,443 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2198% | 2,756 |
| Percentage Net Loans Charged-off:Construction & development | 0.8357% | 1,696 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0898% | 1,793 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0352% | 6,236 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 4,222 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,963 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0033% | 7,095 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5944% | 3,399 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4138% | 863 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1150% | 7,049 |
| 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 | 0.3134% | 2,467 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3358% | 1,559 |
| Percentage Net Loans Charged-off:Construction & development | 1.5821% | 837 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,766 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0062% | 7,741 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0064% | 7,713 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4045% | 2,244 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2887% | 4,057 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7712% | 674 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1308% | 7,058 |
| 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 | -0.0144% | 7,569 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0012% | 7,593 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,702 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,334 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0096% | 7,772 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0100% | 7,757 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,159 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,890 |
| 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 | -0.2062% | 7,112 |
| 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 | -0.0334% | 7,591 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0025% | 7,615 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,119 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 813 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0205% | 7,882 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0216% | 7,880 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,192 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,977 |
| 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 | -0.4961% | 7,207 |
| 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 | -0.0102% | 7,797 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0029% | 7,866 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,563 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,679 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,352 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,111 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0160% | 7,069 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3840% | 3,598 |
| Percentage Net Loans Charged-off: Credit card loans | 1.8233% | 649 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1396% | 7,212 |
| 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 | -0.0063% | 7,477 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0149% | 7,870 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,085 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0198% | 7,920 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,699 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,489 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1157% | 2,548 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,220 |
| 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 | -0.2051% | 7,258 |
| 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 | 0.0138% | 4,790 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0156% | 7,844 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 770 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0304% | 7,997 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,135 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,964 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1888% | 1,862 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0732% | 7,221 |
| Percentage Net Loans Charged-off: Credit card loans | -0.3235% | 1,825 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0291% | 1,250 |
| 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 | 0.0000% | 4,509 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,851 |
| 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 | 0.0000% | 1,473 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,345 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,846 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,795 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 790 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 964 |
| 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 | -0.0238% | 7,982 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0200% | 8,058 |
| 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 | -4.1260% | 6,305 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,928 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,723 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0277% | 3,474 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0403% | 7,543 |
| Percentage Net Loans Charged-off: Credit card loans | 0.7125% | 1,031 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1788% | 7,318 |
| 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 | -0.0343% | 7,955 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0272% | 8,092 |
| 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 | -6.0977% | 6,293 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,436 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,253 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0463% | 2,751 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1628% | 7,780 |
| Percentage Net Loans Charged-off: Credit card loans | 0.2453% | 1,100 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.2475% | 7,403 |
| 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 | -0.0506% | 7,970 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0414% | 8,192 |
| 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 | -10.2010% | 6,265 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,021 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,880 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0699% | 2,197 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2538% | 7,811 |
| Percentage Net Loans Charged-off: Credit card loans | 0.3795% | 943 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.3492% | 7,422 |
| 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 | -0.0581% | 7,821 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0039% | 7,666 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0074% | 8,050 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,349 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,244 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,732 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.8573% | 8,207 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 826 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.6186% | 7,443 |
| 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 | -0.0606% | 8,353 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0540% | 8,375 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0059% | 7,987 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,059 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0704% | 3,520 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7426% | 2,578 |
| Percentage Net Loans Charged-off: Credit card loans | 2.0416% | 817 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.4767% | 7,549 |
| 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 | -0.0603% | 8,218 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0696% | 8,409 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0053% | 7,974 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,617 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,434 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,394 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4339% | 3,393 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7439% | 807 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1642% | 7,416 |
| 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 | -0.0627% | 8,094 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1035% | 8,477 |
| 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 | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,870 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9079% | 1,742 |
| Percentage Net Loans Charged-off: Credit card loans | 2.9520% | 500 |
| 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 | -0.1478% | 8,379 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.2161% | 8,652 |
| 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 | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,974 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8377% | 1,784 |
| Percentage Net Loans Charged-off: Credit card loans | 2.9466% | 453 |
| 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 | -0.0592% | 8,503 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0030% | 7,856 |
| 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 | -0.0156% | 8,178 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0160% | 8,157 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0612% | 3,843 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3129% | 4,758 |
| Percentage Net Loans Charged-off: Credit card loans | 1.1579% | 1,286 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.4831% | 7,670 |
| 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 | -0.1664% | 8,705 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0042% | 7,852 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0217% | 8,229 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0221% | 8,212 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0822% | 3,113 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1426% | 5,305 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5225% | 1,396 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -1.1569% | 7,773 |
| 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 | -0.0281% | 7,997 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0421% | 1,885 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,286 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,054 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1111% | 5,092 |
| Percentage Net Loans Charged-off: Credit card loans | 0.3916% | 1,302 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.3740% | 7,632 |
| 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 | -0.0583% | 8,072 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,955 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,138 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2482% | 3,763 |
| Percentage Net Loans Charged-off: Credit card loans | 0.7960% | 998 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.3798% | 7,577 |
| 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 | 1.4975% | 325 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1367% | 130 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3749% | 585 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3578% | 113 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 1.3744% | 121 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2257% | 1,451 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.1619% | 252 |
| Percentage Net Loans Charged-off: Credit card loans | 4.1237% | 569 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.6754% | 353 |
| 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 | 1.2764% | 368 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5167% | 66 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5108% | 383 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.7186% | 80 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 1.7378% | 86 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8748% | 805 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.5650% | 298 |
| Percentage Net Loans Charged-off: Credit card loans | 3.3143% | 732 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.2697% | 7,749 |
| 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 | 1.9220% | 213 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.2687% | 43 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7815% | 263 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.4397% | 48 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 2.4633% | 56 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.8565% | 519 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.3205% | 160 |
| Percentage Net Loans Charged-off: Credit card loans | 4.8880% | 454 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.4111% | 7,821 |
| 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 | 1.5005% | 314 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4008% | 87 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.3828% | 131 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.3647% | 60 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 2.3868% | 63 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.3375% | 232 |
| Percentage Net Loans Charged-off: Loans to individuals | 9.1053% | 77 |
| Percentage Net Loans Charged-off: Credit card loans | 5.5446% | 398 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -2.0076% | 7,948 |
| 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 | 0.3159% | 2,613 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2347% | 931 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2010% | 846 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1802% | 1,142 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1870% | 1,116 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2132% | 3,738 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4327% | 4,637 |
| Percentage Net Loans Charged-off: Credit card loans | 1.6393% | 1,418 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.6445% | 911 |
| 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 | 0.6796% | 1,152 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3000% | 671 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0708% | 1,042 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,307 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,123 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0986% | 4,187 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1684% | 1,839 |
| Percentage Net Loans Charged-off: Credit card loans | 3.7386% | 685 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.1343% | 411 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 74 |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0754% | 5,150 |
| 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 |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0972% | 4,888 |
| 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 | 0.1564% | 4,105 |
| 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 | 0.0452% | 6,880 |
| 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 | 0.0949% | 5,887 |
| 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 | 0.0126% | 8,321 |
| 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 | 0.0102% | 8,493 |
| 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 | 0.0251% | 9,040 |
| 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 | 0.0453% | 10,003 |
| 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 |