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TexasBank, Net charge- offs to loans

2005-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1760%2,549
Percentage Net Loans Charged-off: Total real estate loans0.0412%2,144
Percentage Net Loans Charged-off:Construction & development-0.0036%7,692
Percentage Net Loans Charged-off: Commercial real estate0.0204%1,169
Percentage Net Loans Charged-off: Multi-family residential0.0000%187
Percentage Net Loans Charged-off: 1-4 family residential0.2394%695
Percentage Net Loans Charged-off: Home equity loans0.0000%682
All other 1-4 family - Percent of loans charged-off, net0.2438%709
Percentage Net Loans Charged-off: Commercial and industrial0.2443%2,608
Percentage Net Loans Charged-off: Loans to individuals0.4346%3,870
Percentage Net Loans Charged-off: Credit card loans4.7205%288
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease14.0031%89
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1279%2,731
Percentage Net Loans Charged-off: Total real estate loans0.0398%1,885
Percentage Net Loans Charged-off:Construction & development-0.0050%7,702
Percentage Net Loans Charged-off: Commercial real estate0.0274%887
Percentage Net Loans Charged-off: Multi-family residential0.0000%151
Percentage Net Loans Charged-off: 1-4 family residential0.2039%697
Percentage Net Loans Charged-off: Home equity loans0.0000%562
All other 1-4 family - Percent of loans charged-off, net0.2075%715
Percentage Net Loans Charged-off: Commercial and industrial-0.0110%6,854
Percentage Net Loans Charged-off: Loans to individuals0.1860%4,684
Percentage Net Loans Charged-off: Credit card loans1.2094%970
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease12.8478%82
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1153%2,668
Percentage Net Loans Charged-off: Total real estate loans0.0522%1,484
Percentage Net Loans Charged-off:Construction & development-0.0079%7,704
Percentage Net Loans Charged-off: Commercial real estate0.0266%688
Percentage Net Loans Charged-off: Multi-family residential0.0000%111
Percentage Net Loans Charged-off: 1-4 family residential0.3027%476
Percentage Net Loans Charged-off: Home equity loans0.0000%450
All other 1-4 family - Percent of loans charged-off, net0.3079%487
Percentage Net Loans Charged-off: Commercial and industrial-0.1240%7,494
Percentage Net Loans Charged-off: Loans to individuals0.3004%3,677
Percentage Net Loans Charged-off: Credit card loans1.8878%715
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease10.2246%91
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0530%3,179
Percentage Net Loans Charged-off: Total real estate loans0.0287%1,378
Percentage Net Loans Charged-off:Construction & development-0.0192%7,751
Percentage Net Loans Charged-off: Commercial real estate0.0000%511
Percentage Net Loans Charged-off: Multi-family residential0.0000%61
Percentage Net Loans Charged-off: 1-4 family residential0.2623%496
Percentage Net Loans Charged-off: Home equity loans0.0000%338
All other 1-4 family - Percent of loans charged-off, net0.2666%495
Percentage Net Loans Charged-off: Commercial and industrial-0.2835%7,868
Percentage Net Loans Charged-off: Loans to individuals0.0279%4,216
Percentage Net Loans Charged-off: Credit card loans-0.1156%1,985
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease8.3521%88
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2166%2,575
Percentage Net Loans Charged-off: Total real estate loans0.0209%3,017
Percentage Net Loans Charged-off:Construction & development0.0285%635
Percentage Net Loans Charged-off: Commercial real estate-0.0011%8,100
Percentage Net Loans Charged-off: Multi-family residential0.0000%197
Percentage Net Loans Charged-off: 1-4 family residential0.2030%954
Percentage Net Loans Charged-off: Home equity loans0.0000%657
All other 1-4 family - Percent of loans charged-off, net0.2040%947
Percentage Net Loans Charged-off: Commercial and industrial0.7346%1,687
Percentage Net Loans Charged-off: Loans to individuals0.4144%4,248
Percentage Net Loans Charged-off: Credit card loans2.8777%696
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease9.3933%100
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2104%2,237
Percentage Net Loans Charged-off: Total real estate loans0.0303%2,354
Percentage Net Loans Charged-off:Construction & development0.0330%507
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,213
Percentage Net Loans Charged-off: Multi-family residential0.0000%155
Percentage Net Loans Charged-off: 1-4 family residential0.1606%978
Percentage Net Loans Charged-off: Home equity loans0.0000%554
All other 1-4 family - Percent of loans charged-off, net0.1609%984
Percentage Net Loans Charged-off: Commercial and industrial0.6862%1,458
Percentage Net Loans Charged-off: Loans to individuals0.2761%4,532
Percentage Net Loans Charged-off: Credit card loans2.0769%875
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease8.6822%100
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2080%2,191
Percentage Net Loans Charged-off: Total real estate loans0.0273%2,102
Percentage Net Loans Charged-off:Construction & development0.0506%366
Percentage Net Loans Charged-off: Commercial real estate0.0000%953
Percentage Net Loans Charged-off: Multi-family residential0.0000%116
Percentage Net Loans Charged-off: 1-4 family residential0.1062%1,191
Percentage Net Loans Charged-off: Home equity loans0.0000%431
All other 1-4 family - Percent of loans charged-off, net0.1063%1,141
Percentage Net Loans Charged-off: Commercial and industrial0.8332%1,196
Percentage Net Loans Charged-off: Loans to individuals0.2403%4,395
Percentage Net Loans Charged-off: Credit card loans1.9993%872
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease7.0812%113
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1192%2,651
Percentage Net Loans Charged-off: Total real estate loans-0.0088%8,085
Percentage Net Loans Charged-off:Construction & development0.0000%286
Percentage Net Loans Charged-off: Commercial real estate0.0000%553
Percentage Net Loans Charged-off: Multi-family residential0.0000%70
Percentage Net Loans Charged-off: 1-4 family residential-0.0062%8,126
Percentage Net Loans Charged-off: Home equity loans0.0000%291
All other 1-4 family - Percent of loans charged-off, net-0.0062%8,144
Percentage Net Loans Charged-off: Commercial and industrial0.3064%1,408
Percentage Net Loans Charged-off: Loans to individuals0.4905%2,950
Percentage Net Loans Charged-off: Credit card loans0.0000%1,093
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease5.9966%126
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2573%2,842
Percentage Net Loans Charged-off: Total real estate loans0.0451%2,652
Percentage Net Loans Charged-off:Construction & development0.0662%653
Percentage Net Loans Charged-off: Commercial real estate0.0008%1,588
Percentage Net Loans Charged-off: Multi-family residential0.0000%186
Percentage Net Loans Charged-off: 1-4 family residential0.1536%1,378
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net0.1536%1,369
Percentage Net Loans Charged-off: Commercial and industrial0.8581%1,889
Percentage Net Loans Charged-off: Loans to individuals1.3116%1,659
Percentage Net Loans Charged-off: Credit card loans4.8536%440
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease4.5711%224
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1727%3,291
Percentage Net Loans Charged-off: Total real estate loans0.0123%2,997
Percentage Net Loans Charged-off:Construction & development0.0007%661
Percentage Net Loans Charged-off: Commercial real estate0.0011%1,270
Percentage Net Loans Charged-off: Multi-family residential0.0000%138
Percentage Net Loans Charged-off: 1-4 family residential0.0659%1,771
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net0.0659%1,728
Percentage Net Loans Charged-off: Commercial and industrial0.5177%2,175
Percentage Net Loans Charged-off: Loans to individuals1.1583%1,815
Percentage Net Loans Charged-off: Credit card loans5.7839%324
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease3.7743%245
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2523%2,356
Percentage Net Loans Charged-off: Total real estate loans0.0096%2,644
Percentage Net Loans Charged-off:Construction & development0.0000%523
Percentage Net Loans Charged-off: Commercial real estate0.0017%974
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential0.0489%1,680
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net0.0489%1,634
Percentage Net Loans Charged-off: Commercial and industrial1.1178%1,206
Percentage Net Loans Charged-off: Loans to individuals0.4697%3,699
Percentage Net Loans Charged-off: Credit card loans-0.1565%2,655
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease5.9391%162
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3270%1,652
Percentage Net Loans Charged-off: Total real estate loans0.0762%1,230
Percentage Net Loans Charged-off:Construction & development0.0000%326
Percentage Net Loans Charged-off: Commercial real estate0.0000%618
Percentage Net Loans Charged-off: Multi-family residential0.0000%56
Percentage Net Loans Charged-off: 1-4 family residential0.4190%401
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net0.4190%405
Percentage Net Loans Charged-off: Commercial and industrial1.6035%709
Percentage Net Loans Charged-off: Loans to individuals0.7667%2,446
Percentage Net Loans Charged-off: Credit card loans0.4842%1,209
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease1.5343%365
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2002-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3209%2,580
Percentage Net Loans Charged-off: Total real estate loans0.0560%2,430
Percentage Net Loans Charged-off:Construction & development0.0033%859
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,573
Percentage Net Loans Charged-off: Multi-family residential0.0000%189
Percentage Net Loans Charged-off: 1-4 family residential0.3063%711
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net0.2937%753
Percentage Net Loans Charged-off: Commercial and industrial1.2649%1,583
Percentage Net Loans Charged-off: Loans to individuals1.3919%1,544
Percentage Net Loans Charged-off: Credit card loans1.7463%1,363
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease1.3603%571
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2001-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2364%3,228
Percentage Net Loans Charged-off: Total real estate loans0.0058%3,705
Percentage Net Loans Charged-off:Construction & development0.0000%831
Percentage Net Loans Charged-off: Commercial real estate-0.0138%8,803
Percentage Net Loans Charged-off: Multi-family residential0.0000%192
Percentage Net Loans Charged-off: 1-4 family residential0.0621%1,941
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net0.0621%1,872
Percentage Net Loans Charged-off: Commercial and industrial1.0322%1,758
Percentage Net Loans Charged-off: Loans to individuals0.6685%3,392
Percentage Net Loans Charged-off: Credit card loans3.1173%856
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease1.6242%506
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2000-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1442%3,858
Percentage Net Loans Charged-off: Total real estate loans0.0363%514
Percentage Net Loans Charged-off:Construction & development0.0000%266
Percentage Net Loans Charged-off: Commercial real estate0.0282%321
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential0.0953%260
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net0.0953%254
Percentage Net Loans Charged-off: Commercial and industrial0.1525%757
Percentage Net Loans Charged-off: Loans to individuals0.5268%759
Percentage Net Loans Charged-off: Credit card loans1.6414%593
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease3.3929%36
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1999-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1247%4,350
Percentage Net Loans Charged-off: Total real estate loans0.0629%391
Percentage Net Loans Charged-off:Construction & development0.2315%87
Percentage Net Loans Charged-off: Commercial real estate-0.0045%1,199
Percentage Net Loans Charged-off: Multi-family residential0.0000%120
Percentage Net Loans Charged-off: 1-4 family residential-0.0277%1,438
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net-0.0277%1,439
Percentage Net Loans Charged-off: Commercial and industrial0.3864%466
Percentage Net Loans Charged-off: Loans to individuals0.2318%1,114
Percentage Net Loans Charged-off: Credit card loans2.3053%482
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0382%367
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1998-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1969%3,522
Percentage Net Loans Charged-off: Total real estate loans0.0228%675
Percentage Net Loans Charged-off:Construction & development0.0000%229
Percentage Net Loans Charged-off: Commercial real estate-0.0136%1,181
Percentage Net Loans Charged-off: Multi-family residential0.0000%151
Percentage Net Loans Charged-off: 1-4 family residential0.1034%281
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net0.1034%259
Percentage Net Loans Charged-off: Commercial and industrial0.9002%190
Percentage Net Loans Charged-off: Loans to individuals0.3027%1,022
Percentage Net Loans Charged-off: Credit card loans0.2935%940
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.3482%191
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1997-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3795%2,146
Percentage Net Loans Charged-off: Total real estate loans-0.0153%1,295
Percentage Net Loans Charged-off:Construction & development0.0000%260
Percentage Net Loans Charged-off: Commercial real estate-0.0115%1,157
Percentage Net Loans Charged-off: Multi-family residential0.0000%192
Percentage Net Loans Charged-off: 1-4 family residential-0.0335%1,394
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net-0.0335%1,391
Percentage Net Loans Charged-off: Commercial and industrial2.0682%72
Percentage Net Loans Charged-off: Loans to individuals0.2807%1,078
Percentage Net Loans Charged-off: Credit card loans1.4528%779
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease-0.0599%1,222
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1996-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0302%7,613
Percentage Net Loans Charged-off: Total real estate loans-0.1021%1,467
Percentage Net Loans Charged-off:Construction & development0.0000%284
Percentage Net Loans Charged-off: Commercial real estate-0.0171%1,215
Percentage Net Loans Charged-off: Multi-family residential0.0000%233
Percentage Net Loans Charged-off: 1-4 family residential-0.2572%1,512
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net-0.2572%1,510
Percentage Net Loans Charged-off: Commercial and industrial0.4327%368
Percentage Net Loans Charged-off: Loans to individuals0.2900%1,104
Percentage Net Loans Charged-off: Credit card loans2.3709%556
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%444
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1995-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0730%6,315
Percentage Net Loans Charged-off: Total real estate loans0.0230%819
Percentage Net Loans Charged-off:Construction & development0.0869%252
Percentage Net Loans Charged-off: Commercial real estate0.0000%615
Percentage Net Loans Charged-off: Multi-family residential-0.0787%1,360
Percentage Net Loans Charged-off: 1-4 family residential0.0159%826
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net0.0159%788
Percentage Net Loans Charged-off: Commercial and industrial0.2252%494
Percentage Net Loans Charged-off: Loans to individuals0.1670%1,159
Percentage Net Loans Charged-off: Credit card loans0.9660%828
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%433
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1994-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0095%8,528
Percentage Net Loans Charged-off: Total real estate loans-0.0234%1,318
Percentage Net Loans Charged-off:Construction & development0.0000%353
Percentage Net Loans Charged-off: Commercial real estate-0.0894%1,308
Percentage Net Loans Charged-off: Multi-family residential0.0000%332
Percentage Net Loans Charged-off: 1-4 family residential0.0197%808
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, net0.0197%765
Percentage Net Loans Charged-off: Commercial and industrial0.0069%748
Percentage Net Loans Charged-off: Loans to individuals0.4193%723
Percentage Net Loans Charged-off: Credit card loans2.6064%284
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%371
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1993-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0794%7,556
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1992-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans1.3755%1,360
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA