Home > The Laredo National Bank > Net charge- offs to loans
The Laredo National Bank, Net charge- offs to loans
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2982% | 1,833 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0297% | 3,291 |
| Percentage Net Loans Charged-off:Construction & development | 0.0227% | 1,452 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0271% | 1,420 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0395% | 2,608 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0396% | 2,427 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5795% | 1,728 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1006% | 1,455 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,217 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 14.0857% | 113 |
| 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 | 0.3368% | 1,183 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0279% | 2,487 |
| Percentage Net Loans Charged-off:Construction & development | 0.0201% | 992 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0304% | 972 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0349% | 2,088 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0350% | 1,938 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6286% | 1,298 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5621% | 801 |
| Percentage Net Loans Charged-off: Credit card loans | 18.0565% | 33 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 12.5706% | 111 |
| 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 | 0.3310% | 1,098 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0320% | 1,946 |
| Percentage Net Loans Charged-off:Construction & development | 0.0278% | 690 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0550% | 635 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0238% | 1,823 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0239% | 1,679 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6225% | 1,085 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5427% | 756 |
| Percentage Net Loans Charged-off: Credit card loans | 13.6114% | 51 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 11.9373% | 105 |
| 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 | 0.2941% | 1,021 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0207% | 1,534 |
| Percentage Net Loans Charged-off:Construction & development | 0.0179% | 403 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0175% | 472 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0278% | 1,252 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0279% | 1,138 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5537% | 835 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5689% | 767 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 790 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 9.7913% | 102 |
| 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 | 0.2668% | 1,527 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0415% | 2,136 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0009% | 7,760 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0449% | 171 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0515% | 1,969 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0517% | 1,852 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3970% | 1,844 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0337% | 1,415 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,256 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 18.2395% | 89 |
| 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 | 0.2459% | 1,345 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0485% | 1,640 |
| 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 | 0.0580% | 1,535 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0583% | 1,461 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3331% | 1,611 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1082% | 1,155 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,137 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 13.7817% | 94 |
| 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 | 0.2654% | 1,171 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0697% | 1,199 |
| 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 | 0.0788% | 1,174 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0793% | 1,103 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3847% | 1,311 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0850% | 1,161 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,005 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 12.5563% | 92 |
| 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 | 0.2791% | 986 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1197% | 647 |
| 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 | 0.1457% | 638 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1466% | 607 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2286% | 1,157 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1743% | 1,096 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 826 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 14.9741% | 62 |
| 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 | 0.1994% | 2,313 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0141% | 2,913 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,340 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0378% | 2,220 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0380% | 2,116 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2681% | 2,531 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0203% | 1,812 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,459 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 10.7316% | 106 |
| 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 | 0.1414% | 2,541 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0100% | 2,662 |
| 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 | 0.0253% | 2,098 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0254% | 1,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2666% | 2,087 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6692% | 2,474 |
| 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 | 4.9711% | 172 |
| 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 | 0.0790% | 3,264 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0044% | 2,404 |
| 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 | 0.0111% | 1,987 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0111% | 1,837 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1544% | 2,167 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3782% | 3,343 |
| 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 | 2.2868% | 254 |
| 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 | 0.3277% | 1,072 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0004% | 7,572 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 511 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6176% | 922 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6821% | 857 |
| 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 | 10.2549% | 73 |
| 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 | 0.3746% | 1,521 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0340% | 2,673 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0285% | 1,317 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0822% | 1,781 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0824% | 1,732 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4457% | 2,271 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4727% | 547 |
| 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 | 9.6988% | 97 |
| 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 | 0.3317% | 1,499 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0398% | 2,169 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0131% | 1,125 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0909% | 1,445 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0911% | 1,398 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3621% | 2,081 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2953% | 567 |
| 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 | 6.9141% | 117 |
| 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 | 0.3372% | 1,394 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0479% | 1,799 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0042% | 8,277 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1239% | 1,080 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1241% | 1,050 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2786% | 1,999 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.6198% | 499 |
| 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 | 6.3322% | 125 |
| 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 | 0.3541% | 1,241 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0111% | 1,773 |
| 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 | 0.0291% | 1,350 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0291% | 1,262 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2890% | 1,437 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.3566% | 388 |
| 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 | 2.0749% | 257 |
| 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 | 0.3506% | 2,157 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0054% | 3,820 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0047% | 8,369 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0110% | 3,124 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0110% | 2,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3750% | 2,978 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.6412% | 528 |
| 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 | 5.9631% | 181 |
| 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 | 0.2806% | 2,261 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0063% | 3,212 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0063% | 8,438 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0173% | 2,484 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0173% | 2,384 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2801% | 2,824 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2151% | 660 |
| 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 | 3.8850% | 240 |
| 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 | 0.2307% | 2,502 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0090% | 2,668 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 978 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0223% | 2,001 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0224% | 1,923 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1759% | 2,769 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0331% | 775 |
| 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 | 2.5945% | 321 |
| 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 | 0.1537% | 2,735 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0183% | 1,757 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 618 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0452% | 1,279 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0452% | 1,216 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0738% | 2,227 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6485% | 1,151 |
| 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 | -1.8821% | 7,945 |
| 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 | 0.3054% | 2,691 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0102% | 3,700 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0305% | 1,344 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0006% | 3,426 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0006% | 3,233 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3054% | 3,405 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.3722% | 676 |
| 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 | 5.9188% | 189 |
| 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 | 0.2504% | 3,089 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0126% | 3,386 |
| Percentage Net Loans Charged-off:Construction & development | 0.0285% | 738 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0109% | 1,368 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0097% | 2,988 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0098% | 2,826 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1588% | 3,856 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2183% | 681 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 2,107 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 4.6191% | 229 |
| 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 | 0.2469% | 2,655 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0069% | 822 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 426 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0189% | 651 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0190% | 611 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2308% | 665 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0888% | 168 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5182% | 896 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.9042% | 58 |
| 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 | 0.1589% | 3,775 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0301% | 1,404 |
| Percentage Net Loans Charged-off:Construction & development | 0.0021% | 247 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 415 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0111% | 847 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0112% | 794 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2280% | 638 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0799% | 403 |
| Percentage Net Loans Charged-off: Credit card loans | -9.2025% | 1,345 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.5264% | 59 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.1242% | 10,029 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0022% | 1,203 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0115% | 1,170 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0077% | 826 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0078% | 769 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.5349% | 1,381 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9196% | 531 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7820% | 654 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.8281% | 93 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0915% | 5,680 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0350% | 613 |
| Percentage Net Loans Charged-off:Construction & development | -0.0196% | 1,248 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0745% | 308 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0081% | 889 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5900% | 65 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0044% | 882 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0211% | 847 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9155% | 597 |
| Percentage Net Loans Charged-off: Credit card loans | 10.1987% | 40 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5189% | 121 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0391% | 7,320 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0452% | 630 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0979% | 360 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0067% | 936 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0067% | 891 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0513% | 1,220 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4520% | 954 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,056 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3862% | 158 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6187% | 1,288 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0003% | 1,218 |
| 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 | 0.0311% | 667 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0312% | 630 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6599% | 102 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8783% | 441 |
| Percentage Net Loans Charged-off: Credit card loans | 74.0741% | 2 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2172% | 216 |
| 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 | 0.1508% | 4,757 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1831% | 421 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7687% | 210 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,024 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 974 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0286% | 1,033 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7322% | 431 |
| Percentage Net Loans Charged-off: Credit card loans | -1.1086% | 1,299 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2718% | 169 |
| 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 | -0.0041% | 10,915 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1062% | 1,483 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2380% | 1,449 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0031% | 1,363 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0032% | 1,355 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0030% | 1,150 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4473% | 793 |
| Percentage Net Loans Charged-off: Credit card loans | -2.2026% | 1,302 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3207% | 213 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 93 |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4118% | 4,971 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3166% | 617 |
| Percentage Net Loans Charged-off:Construction & development | -0.0080% | 1,399 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1502% | 791 |
| Percentage Net Loans Charged-off: Multi-family residential | 3.8348% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,178 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,124 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4758% | 806 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8686% | 655 |
| Percentage Net Loans Charged-off: Credit card loans | -1.1641% | 1,321 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3691% | 235 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |