Home > The Adirondack Trust Company > Net charge- offs to loans
The Adirondack Trust Company, Net charge- offs to loans
| 2023-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0006% | 2,874 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0001% | 3,221 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 239 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 532 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 66 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0004% | 3,429 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 246 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0005% | 3,482 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0047% | 3,680 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0700% | 2,480 |
| Percentage Net Loans Charged-off: Credit card loans | 0.6638% | 440 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0273% | 2,569 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 72 |
| 2023-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0009% | 2,610 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0002% | 3,228 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 172 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 416 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 48 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0005% | 3,472 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 206 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0007% | 3,521 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0046% | 3,624 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0840% | 2,198 |
| Percentage Net Loans Charged-off: Credit card loans | 0.7653% | 361 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0360% | 2,343 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 69 |
| 2023-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0011% | 2,373 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0002% | 3,273 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 127 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 312 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 29 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0008% | 3,544 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 163 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0010% | 3,577 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0045% | 3,624 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1005% | 1,904 |
| Percentage Net Loans Charged-off: Credit card loans | 0.7470% | 353 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0539% | 2,079 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 63 |
| 2023-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0013% | 2,001 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 512 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 62 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 194 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 18 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 372 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 101 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 332 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0044% | 3,615 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1008% | 1,682 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 346 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1079% | 1,588 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 12 |
| 2022-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0089% | 2,058 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0001% | 3,060 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 172 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 506 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 64 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0004% | 3,348 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 205 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0005% | 3,433 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0132% | 1,284 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4087% | 1,159 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0993% | 268 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3512% | 1,208 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 2022-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0074% | 1,866 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0002% | 3,011 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 133 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 378 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 47 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0006% | 3,348 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 163 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0007% | 3,448 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0061% | 3,409 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4839% | 943 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8557% | 307 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4520% | 926 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 17 |
| 2022-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0123% | 1,545 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0003% | 2,971 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 94 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 298 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 33 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0009% | 3,308 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 129 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0011% | 3,404 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0035% | 3,189 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7611% | 636 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3007% | 228 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7140% | 616 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 17 |
| 2022-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0010% | 3,016 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 527 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 61 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 205 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 23 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 390 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 93 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 357 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0033% | 3,294 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1291% | 4,106 |
| Percentage Net Loans Charged-off: Credit card loans | 1.8753% | 153 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.3177% | 4,314 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 16 |
| 2021-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0060% | 3,594 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0029% | 1,243 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 225 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 744 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0087% | 822 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 242 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0107% | 757 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0515% | 3,931 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0299% | 3,945 |
| Percentage Net Loans Charged-off: Credit card loans | 0.2007% | 453 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0485% | 3,971 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 29 |
| 2021-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0119% | 3,744 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0002% | 3,166 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 194 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 641 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 77 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0006% | 3,333 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 216 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0008% | 3,408 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0729% | 4,110 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,293 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5517% | 369 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0405% | 3,846 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 24 |
| 2021-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0202% | 3,999 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0003% | 3,253 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 159 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 544 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 57 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0009% | 3,451 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 181 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0011% | 3,523 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1037% | 4,291 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0131% | 1,960 |
| Percentage Net Loans Charged-off: Credit card loans | 0.4168% | 372 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0140% | 3,642 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2021-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0407% | 4,312 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0006% | 3,376 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 118 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 349 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 31 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0018% | 3,636 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 133 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0023% | 3,699 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1999% | 4,536 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0989% | 1,454 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8667% | 292 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0525% | 1,467 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 17 |
| 2020-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0010% | 3,939 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0020% | 3,798 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 346 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0035% | 4,283 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0009% | 3,678 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 398 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0011% | 3,737 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0104% | 3,921 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0803% | 2,598 |
| Percentage Net Loans Charged-off: Credit card loans | 2.5840% | 213 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0279% | 4,222 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 41 |
| 2020-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0037% | 3,984 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0073% | 4,082 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 273 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0145% | 4,483 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 74 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0006% | 3,658 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 349 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0008% | 3,718 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0103% | 3,871 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1132% | 2,307 |
| Percentage Net Loans Charged-off: Credit card loans | 3.5000% | 142 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0245% | 4,164 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 38 |
| 2020-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0025% | 3,854 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0072% | 4,107 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 191 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0148% | 4,554 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 54 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,154 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 293 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,087 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0115% | 3,861 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1379% | 2,140 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8673% | 419 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1092% | 2,124 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2020-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0170% | 4,274 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0076% | 4,126 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 120 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0154% | 4,604 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 26 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 861 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 210 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 803 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0271% | 3,992 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1831% | 4,550 |
| Percentage Net Loans Charged-off: Credit card loans | 1.6103% | 297 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2538% | 4,598 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 19 |
| 2019-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0076% | 4,405 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0041% | 2,062 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 402 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,108 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0115% | 1,604 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0232% | 3,556 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0213% | 1,335 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1184% | 4,551 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0532% | 3,123 |
| Percentage Net Loans Charged-off: Credit card loans | 0.7185% | 502 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0350% | 3,111 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 45 |
| 2019-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0223% | 4,609 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0026% | 3,899 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 304 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 880 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 91 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0075% | 4,180 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0309% | 3,625 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0008% | 3,931 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1572% | 4,653 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0160% | 4,456 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5384% | 503 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0302% | 4,451 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 40 |
| 2019-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0066% | 4,200 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0040% | 4,028 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 234 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 706 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0113% | 4,294 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0465% | 3,707 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0012% | 3,951 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0166% | 1,487 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0827% | 4,569 |
| Percentage Net Loans Charged-off: Credit card loans | -0.4831% | 930 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0732% | 4,510 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 27 |
| 2019-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0311% | 4,660 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0047% | 4,146 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 153 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 441 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 46 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0133% | 4,437 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0594% | 3,785 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 925 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1060% | 4,604 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1901% | 4,723 |
| Percentage Net Loans Charged-off: Credit card loans | -1.5917% | 959 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1584% | 4,647 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 19 |
| 2018-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0767% | 2,028 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0258% | 1,590 |
| Percentage Net Loans Charged-off:Construction & development | 0.8361% | 81 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0167% | 4,697 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 128 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0010% | 4,125 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 568 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0013% | 4,178 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3632% | 988 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1431% | 2,696 |
| Percentage Net Loans Charged-off: Credit card loans | 0.9714% | 445 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1275% | 2,673 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 40 |
| 2018-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0654% | 1,896 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0350% | 1,205 |
| Percentage Net Loans Charged-off:Construction & development | 1.1755% | 54 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0224% | 4,817 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 106 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0007% | 4,066 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 467 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0009% | 4,128 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2848% | 953 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0564% | 2,933 |
| Percentage Net Loans Charged-off: Credit card loans | 0.3606% | 529 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0509% | 2,845 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 38 |
| 2018-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0470% | 1,943 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0529% | 833 |
| Percentage Net Loans Charged-off:Construction & development | 1.7784% | 36 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0339% | 4,966 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 79 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0010% | 4,097 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 391 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0013% | 4,178 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0149% | 4,043 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0709% | 2,641 |
| Percentage Net Loans Charged-off: Credit card loans | 0.3933% | 497 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0652% | 2,545 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 32 |
| 2018-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1068% | 1,137 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1443% | 373 |
| Percentage Net Loans Charged-off:Construction & development | 3.4828% | 20 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 42 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,125 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 288 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,039 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0156% | 4,061 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0043% | 4,494 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0523% | 347 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0220% | 4,470 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 19 |
| 2017-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0208% | 3,411 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0142% | 2,208 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 519 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0297% | 1,036 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 180 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0010% | 4,388 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 680 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0013% | 4,445 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0136% | 2,304 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0594% | 3,386 |
| Percentage Net Loans Charged-off: Credit card loans | 1.1009% | 467 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0456% | 3,321 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 42 |
| 2017-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0004% | 3,789 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0005% | 4,034 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 426 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,034 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0013% | 4,361 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 589 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0017% | 4,439 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0184% | 4,248 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0175% | 3,337 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0311% | 446 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0047% | 3,246 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 38 |
| 2017-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0024% | 4,196 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0004% | 3,991 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 340 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 817 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 105 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0010% | 4,336 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 486 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0013% | 4,418 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0028% | 3,953 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0102% | 4,732 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5526% | 356 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0294% | 4,700 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 32 |
| 2017-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0157% | 4,614 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,533 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 224 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 65 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,343 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 357 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,248 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0284% | 4,314 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0806% | 4,881 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5622% | 413 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0883% | 4,844 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 25 |
| 2016-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0327% | 3,367 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0231% | 2,307 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 574 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0024% | 4,747 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 220 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0652% | 1,698 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1052% | 547 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0520% | 1,783 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0280% | 4,588 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1150% | 3,154 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2195% | 443 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1003% | 3,094 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,609 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 40 |
| 2016-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0182% | 3,354 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0125% | 2,290 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 470 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,171 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 177 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0338% | 1,876 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1419% | 428 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0029% | 4,734 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0254% | 4,472 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0726% | 3,077 |
| Percentage Net Loans Charged-off: Credit card loans | 1.1739% | 441 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0576% | 3,001 |
| 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 | 0.0000% | 36 |
| 2016-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0078% | 4,629 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0128% | 4,849 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 380 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 960 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 148 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0350% | 5,310 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 570 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0472% | 5,422 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0175% | 4,348 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0206% | 3,030 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2021% | 400 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0038% | 2,930 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,209 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 24 |
| 2016-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0006% | 3,086 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0042% | 1,718 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 253 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 631 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 90 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0116% | 1,492 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 408 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0157% | 1,352 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0309% | 4,572 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0039% | 2,482 |
| Percentage Net Loans Charged-off: Credit card loans | 2.0915% | 269 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0279% | 4,784 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 943 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2015-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0364% | 3,490 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0549% | 2,207 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 805 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0204% | 1,460 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 287 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1192% | 1,599 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 945 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1602% | 1,277 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1469% | 5,276 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0833% | 3,302 |
| Percentage Net Loans Charged-off: Credit card loans | 1.8024% | 348 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0520% | 3,349 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0176% | 1,337 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 43 |
| 2015-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0186% | 3,570 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0529% | 2,033 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 691 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,413 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 241 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1439% | 1,285 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 830 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1931% | 1,008 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2566% | 5,497 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0559% | 3,171 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0818% | 680 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0554% | 3,035 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0348% | 1,118 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 33 |
| 2015-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0051% | 4,748 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0799% | 1,592 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 555 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,187 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 188 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2164% | 965 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 710 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2893% | 720 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.5127% | 5,787 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0379% | 5,029 |
| Percentage Net Loans Charged-off: Credit card loans | 0.2417% | 571 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0431% | 4,994 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,136 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2015-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0212% | 5,077 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0018% | 4,653 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 369 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 786 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 126 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0048% | 5,111 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 482 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0063% | 5,190 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0058% | 4,329 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1306% | 5,285 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 478 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1330% | 5,229 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 2014-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0466% | 3,894 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0353% | 3,206 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,139 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0702% | 1,713 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 420 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0058% | 5,620 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,143 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0075% | 5,645 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0073% | 4,658 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1601% | 3,064 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4608% | 428 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1312% | 3,081 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0241% | 1,366 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 54 |
| 2014-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0183% | 4,167 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0109% | 3,357 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 983 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0245% | 1,686 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 357 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0054% | 5,576 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,025 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0070% | 5,613 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0116% | 4,642 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0909% | 3,183 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3269% | 425 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0620% | 3,200 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0105% | 1,326 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 48 |
| 2014-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0166% | 3,892 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0174% | 2,967 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 833 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0370% | 1,370 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 280 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0058% | 5,588 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 855 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0074% | 5,608 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0028% | 1,999 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0291% | 3,225 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2019% | 428 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,146 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,222 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 34 |
| 2014-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0400% | 2,827 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0369% | 2,089 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 583 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0747% | 831 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 176 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0070% | 5,511 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 600 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0089% | 5,580 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0057% | 4,556 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1141% | 2,449 |
| Percentage Net Loans Charged-off: Credit card loans | 1.1937% | 373 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0847% | 2,406 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0312% | 862 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2013-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0142% | 5,165 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0018% | 5,853 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,642 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,684 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 619 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0043% | 6,017 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,420 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0056% | 6,022 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0465% | 2,821 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0737% | 3,863 |
| Percentage Net Loans Charged-off: Credit card loans | 0.9588% | 571 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0383% | 3,914 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0835% | 1,160 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 77 |
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0109% | 4,929 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0021% | 5,783 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,483 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,354 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 515 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0051% | 5,993 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,261 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0065% | 5,978 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0225% | 2,617 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0956% | 3,425 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8976% | 554 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0611% | 3,451 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0376% | 1,226 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 67 |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0023% | 4,878 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0026% | 5,727 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,279 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,043 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0064% | 5,958 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,077 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0082% | 5,974 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0201% | 4,998 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0588% | 3,274 |
| Percentage Net Loans Charged-off: Credit card loans | 2.0948% | 333 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0359% | 5,427 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0783% | 977 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 58 |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0071% | 4,012 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0043% | 5,687 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 915 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,435 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0102% | 5,966 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 767 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0132% | 6,024 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0149% | 4,938 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0962% | 2,601 |
| Percentage Net Loans Charged-off: Credit card loans | 2.1581% | 321 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0112% | 5,366 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1553% | 706 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 43 |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0652% | 5,036 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0539% | 4,471 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,360 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1052% | 2,664 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 851 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0020% | 6,445 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,753 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0026% | 6,406 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1171% | 3,067 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0975% | 3,971 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4448% | 545 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0193% | 4,276 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,670 |
| 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 | 0.0846% | 4,541 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0725% | 4,046 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,174 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1360% | 2,257 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0036% | 4,217 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,549 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0046% | 4,031 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1755% | 2,578 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0455% | 4,021 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0478% | 596 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0131% | 5,770 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,486 |
| 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 | 0.1288% | 3,899 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1148% | 3,458 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,922 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2049% | 1,785 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0178% | 3,694 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,330 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0225% | 3,476 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2698% | 2,093 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0062% | 3,763 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4618% | 483 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0794% | 5,866 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,276 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 96 |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.1174% | 6,842 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,705 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,402 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,722 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,017 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 982 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,835 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.7014% | 6,700 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0125% | 5,620 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5577% | 404 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1057% | 5,805 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0228% | 920 |
| 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 | 0.0483% | 5,824 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0096% | 5,509 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,917 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0023% | 3,603 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0206% | 4,732 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,926 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0262% | 4,508 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1587% | 3,581 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1183% | 4,390 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5705% | 592 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0302% | 4,707 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1113% | 1,306 |
| 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 | 0.0151% | 5,941 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0004% | 5,227 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,635 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0031% | 3,131 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0031% | 6,815 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,690 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0040% | 6,804 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0212% | 3,667 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0980% | 4,150 |
| Percentage Net Loans Charged-off: Credit card loans | 1.6688% | 551 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0069% | 4,408 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0927% | 1,220 |
| 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 | 0.0449% | 5,224 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0013% | 4,833 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,304 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0046% | 2,632 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0032% | 6,802 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,446 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0040% | 6,789 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1714% | 2,780 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0994% | 3,770 |
| Percentage Net Loans Charged-off: Credit card loans | 1.1492% | 607 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0343% | 3,869 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1381% | 1,019 |
| 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 | 0.0054% | 5,054 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0013% | 6,614 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,696 |
| 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 | -0.0032% | 6,730 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,026 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0041% | 6,751 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0605% | 2,252 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0642% | 6,053 |
| Percentage Net Loans Charged-off: Credit card loans | 0.6299% | 598 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0796% | 6,091 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0249% | 952 |
| 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 | 0.0299% | 6,510 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0069% | 5,785 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,381 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,630 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0188% | 4,868 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1010% | 1,791 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0058% | 7,182 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0826% | 4,433 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1128% | 4,920 |
| Percentage Net Loans Charged-off: Credit card loans | 1.8979% | 707 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0061% | 6,239 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 165 |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0272% | 7,392 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0098% | 5,438 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,073 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,182 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0269% | 4,407 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1373% | 1,536 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0064% | 7,223 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2201% | 7,046 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0460% | 4,922 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7021% | 690 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0081% | 6,297 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 143 |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0599% | 7,474 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0020% | 7,233 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,687 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,645 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0056% | 7,220 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,414 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0073% | 7,224 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3071% | 7,122 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0540% | 6,684 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8505% | 787 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0120% | 6,301 |
| 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 | 0.0037% | 5,572 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 4,095 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,022 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,882 |
| 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 | 0.0729% | 2,651 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0702% | 6,569 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0724% | 646 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0238% | 6,382 |
| 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 | 0.0826% | 6,284 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0184% | 7,714 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,485 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0013% | 3,400 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0527% | 7,722 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,916 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0679% | 7,733 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4138% | 3,939 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1511% | 5,426 |
| Percentage Net Loans Charged-off: Credit card loans | 0.4915% | 1,115 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0682% | 1,890 |
| 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 | 0.0542% | 6,166 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0231% | 7,776 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,101 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0044% | 2,795 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0695% | 7,799 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,611 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0893% | 7,808 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3396% | 3,501 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0479% | 5,496 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5115% | 1,046 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0379% | 1,762 |
| 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 | 0.0843% | 5,364 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0169% | 4,660 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,667 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0068% | 2,214 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0351% | 3,534 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,287 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0449% | 3,198 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3784% | 2,895 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0040% | 7,116 |
| Percentage Net Loans Charged-off: Credit card loans | 0.3344% | 986 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0717% | 1,446 |
| 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 | -0.1273% | 7,940 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0047% | 7,588 |
| 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 | -0.0124% | 7,637 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0158% | 7,654 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.5748% | 7,637 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1123% | 7,121 |
| Percentage Net Loans Charged-off: Credit card loans | 0.2230% | 797 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0594% | 1,139 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 81 |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4597% | 2,530 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1881% | 2,948 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2155% | 1,369 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1756% | 2,311 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2180% | 1,970 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3020% | 1,534 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4647% | 3,850 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8841% | 1,007 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0966% | 1,565 |
| 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 | 0.3451% | 2,308 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0939% | 2,989 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,246 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,766 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2369% | 1,560 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2926% | 1,259 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1528% | 1,198 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2748% | 4,123 |
| Percentage Net Loans Charged-off: Credit card loans | 0.2737% | 1,063 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0530% | 1,454 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 90 |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4712% | 1,458 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0815% | 2,566 |
| 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 | 0.2048% | 1,420 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2524% | 1,172 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7492% | 701 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2952% | 3,624 |
| Percentage Net Loans Charged-off: Credit card loans | 0.4141% | 916 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0850% | 1,189 |
| 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 | 0.9187% | 580 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1572% | 1,411 |
| 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 | 0.3909% | 726 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4809% | 585 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.4960% | 283 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4176% | 2,692 |
| Percentage Net Loans Charged-off: Credit card loans | 0.6101% | 712 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1424% | 3,302 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1316% | 1,817 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,563 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3201% | 626 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0921% | 8,177 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1137% | 8,176 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2091% | 2,702 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0895% | 5,203 |
| Percentage Net Loans Charged-off: Credit card loans | 0.4087% | 1,121 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1456% | 1,274 |
| 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 | -0.0190% | 7,696 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0482% | 8,097 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,085 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,176 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1193% | 8,205 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1474% | 8,193 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0251% | 6,978 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0937% | 4,733 |
| Percentage Net Loans Charged-off: Credit card loans | 0.3444% | 1,040 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1974% | 1,032 |
| 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 | -0.0332% | 7,734 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0708% | 8,179 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 770 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 881 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1754% | 8,258 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | -0.2170% | 8,262 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0050% | 2,709 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0379% | 4,546 |
| Percentage Net Loans Charged-off: Credit card loans | 0.6261% | 837 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2787% | 860 |
| 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 | -0.1279% | 8,138 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0033% | 7,548 |
| 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 | -0.0081% | 7,766 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0101% | 7,770 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.6857% | 7,965 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0998% | 3,486 |
| Percentage Net Loans Charged-off: Credit card loans | 0.4172% | 756 |
| 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 | 0.0000% | 28 |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0318% | 4,910 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0388% | 8,208 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0966% | 8,325 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0810% | 6,083 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1010% | 8,287 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1835% | 2,528 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1381% | 4,841 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3892% | 773 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,606 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0296% | 4,385 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0419% | 8,192 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1046% | 8,351 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0062% | 5,967 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1334% | 8,348 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2279% | 1,874 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0653% | 4,878 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0077% | 816 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,412 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 29 |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0821% | 2,763 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0034% | 7,625 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0085% | 7,867 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0095% | 5,951 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0083% | 7,851 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3640% | 1,349 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0475% | 4,554 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4190% | 650 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,212 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0065% | 4,124 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0017% | 7,573 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 498 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0043% | 7,839 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0056% | 7,873 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0351% | 1,613 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,843 |
| Percentage Net Loans Charged-off: Credit card loans | 0.6561% | 757 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 12 |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0669% | 4,370 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0311% | 2,383 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0848% | 830 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0292% | 8,240 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0093% | 5,995 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0356% | 8,242 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1990% | 2,781 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0269% | 6,102 |
| Percentage Net Loans Charged-off: Credit card loans | -0.1674% | 2,082 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,616 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0432% | 8,096 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0146% | 7,965 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,046 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0362% | 8,246 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0061% | 5,948 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0460% | 8,261 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1424% | 7,592 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0194% | 7,502 |
| Percentage Net Loans Charged-off: Credit card loans | 0.4510% | 1,226 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,405 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0601% | 8,074 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0191% | 8,000 |
| 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 | -0.0475% | 8,273 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0092% | 5,894 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0600% | 8,297 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2156% | 7,718 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0126% | 7,260 |
| Percentage Net Loans Charged-off: Credit card loans | 0.1149% | 1,184 |
| 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 | 0.0000% | 20 |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0057% | 4,524 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0072% | 7,858 |
| 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 | -0.0180% | 8,133 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0183% | 5,921 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0179% | 8,126 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0328% | 1,871 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0255% | 4,224 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 922 |
| 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 | 0.0000% | 13 |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1002% | 4,200 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0268% | 8,352 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0297% | 8,356 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0287% | 8,330 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0146% | 609 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0422% | 8,388 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4330% | 2,307 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1388% | 5,787 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4975% | 1,128 |
| 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 | 0.0000% | 27 |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0530% | 8,354 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0813% | 8,615 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0403% | 8,423 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1481% | 8,659 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0264% | 472 |
| All other 1-4 family - Percent of loans charged-off, net | -0.2012% | 8,683 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0085% | 3,583 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0378% | 7,848 |
| Percentage Net Loans Charged-off: Credit card loans | 0.9631% | 1,261 |
| 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 | 0.0000% | 21 |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0023% | 5,958 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,799 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0114% | 8,360 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0140% | 2,036 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0613% | 333 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0481% | 2,815 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0597% | 7,757 |
| Percentage Net Loans Charged-off: Credit card loans | 0.6085% | 1,252 |
| 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 | 0.0000% | 19 |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0023% | 6,929 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0039% | 7,920 |
| 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 | -0.0093% | 8,167 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0419% | 5,931 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0203% | 2,093 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0311% | 7,354 |
| Percentage Net Loans Charged-off: Credit card loans | 0.2477% | 1,085 |
| 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 | 0.0000% | 12 |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0171% | 6,770 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0077% | 3,722 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0155% | 8,463 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0328% | 2,658 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1781% | 316 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0013% | 8,140 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1225% | 8,046 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2391% | 5,655 |
| Percentage Net Loans Charged-off: Credit card loans | 0.1315% | 1,831 |
| 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 | 0.0000% | 56 |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0397% | 8,540 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0097% | 8,225 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0071% | 8,445 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0138% | 8,383 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0150% | 5,949 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0136% | 8,384 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2451% | 8,207 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0963% | 6,031 |
| Percentage Net Loans Charged-off: Credit card loans | -0.3596% | 2,710 |
| 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 | 0.0000% | 45 |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0048% | 7,846 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0136% | 8,353 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0107% | 8,498 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0186% | 8,460 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0112% | 5,908 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0202% | 8,481 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0061% | 7,316 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0315% | 5,929 |
| Percentage Net Loans Charged-off: Credit card loans | -0.2736% | 2,663 |
| 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 | 0.0000% | 37 |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0230% | 7,915 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0245% | 8,583 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0166% | 8,643 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0357% | 8,658 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0434% | 8,704 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0066% | 2,442 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0555% | 7,798 |
| Percentage Net Loans Charged-off: Credit card loans | -0.5504% | 2,647 |
| 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 | 0.0000% | 23 |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0627% | 5,873 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0118% | 3,619 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0215% | 1,406 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0033% | 3,346 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0296% | 534 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0027% | 8,308 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2534% | 3,586 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0631% | 6,830 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3589% | 1,527 |
| 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 | -0.1248% | 9,346 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.2056% | 9,340 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.3383% | 9,165 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0794% | 9,149 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1023% | 9,179 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0041% | 7,945 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0929% | 6,694 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0841% | 1,683 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,876 |
| 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 | -0.1165% | 9,547 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.3607% | 1,550 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.4125% | 1,509 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.3721% | 1,541 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | -0.4908% | 1,537 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3720% | 535 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2375% | 1,080 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0836% | 745 |
| 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 | 0.4546% | 1,523 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7049% | 19 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1530% | 162 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.4515% | 11 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1370% | 1,351 |
| All other 1-4 family - Percent of loans charged-off, net | 1.9423% | 7 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0721% | 1,327 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2574% | 1,071 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5447% | 884 |
| 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 | -0.3927% | 10,297 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.7699% | 1,479 |
| 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 | -1.5574% | 1,472 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | -2.1223% | 1,470 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0719% | 827 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2652% | 1,057 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4469% | 727 |
| 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 | -0.2680% | 10,676 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.3672% | 1,465 |
| 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 | -0.7258% | 1,470 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0421% | 339 |
| All other 1-4 family - Percent of loans charged-off, net | -1.0584% | 1,470 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.4920% | 1,353 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3482% | 1,025 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7780% | 715 |
| 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 | 0.7318% | 1,104 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2278% | 234 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 559 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4609% | 76 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6710% | 44 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5997% | 106 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0048% | 520 |
| Percentage Net Loans Charged-off: Credit card loans | 2.9553% | 425 |
| 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 | 0.2468% | 3,318 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1245% | 448 |
| 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 | 0.2577% | 173 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3814% | 118 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5330% | 288 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2553% | 1,058 |
| Percentage Net Loans Charged-off: Credit card loans | 0.6160% | 926 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 433 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 48 |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0346% | 10,681 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0712% | 1,405 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0191% | 1,235 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1214% | 1,469 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4211% | 93 |
| All other 1-4 family - Percent of loans charged-off, net | -0.3934% | 1,486 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0533% | 1,072 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1378% | 1,118 |
| Percentage Net Loans Charged-off: Credit card loans | 0.7603% | 808 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 371 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 53 |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3894% | 3,415 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5886% | 294 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.3973% | 220 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4623% | 162 |
| Percentage Net Loans Charged-off: Home equity loans | -0.5770% | 1,312 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8768% | 82 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2627% | 696 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2579% | 1,017 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3633% | 663 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 423 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 1.6534% | 61 |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0965% | 13,017 |
| 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 |