Home > CertusBank > Net charge- offs to loans
CertusBank, Net charge- offs to loans
| 2015-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8516% | 230 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9576% | 112 |
| Percentage Net Loans Charged-off:Construction & development | 0.0546% | 582 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.5226% | 116 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 241 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7710% | 205 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0284% | 763 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0896% | 122 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5070% | 806 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6934% | 1,094 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6934% | 1,006 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,309 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2015-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0197% | 202 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2403% | 84 |
| Percentage Net Loans Charged-off:Construction & development | 0.0724% | 469 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.8823% | 96 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 188 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0729% | 134 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1609% | 477 |
| All other 1-4 family - Percent of loans charged-off, net | 1.4239% | 96 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2697% | 988 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0746% | 2,781 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0746% | 2,659 |
| 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 | NA | NA |
| 2015-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5180% | 481 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4951% | 336 |
| Percentage Net Loans Charged-off:Construction & development | 0.1328% | 302 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0482% | 618 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 126 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.5878% | 86 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0734% | 4,435 |
| All other 1-4 family - Percent of loans charged-off, net | 2.1766% | 59 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6364% | 481 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2007% | 5,466 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2007% | 5,416 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2014-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.3363% | 190 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3467% | 130 |
| Percentage Net Loans Charged-off:Construction & development | 1.9040% | 271 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3885% | 821 |
| Percentage Net Loans Charged-off: Multi-family residential | 4.2483% | 73 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.9188% | 75 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6702% | 318 |
| All other 1-4 family - Percent of loans charged-off, net | 2.2234% | 70 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2945% | 620 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.2992% | 196 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 3.2992% | 177 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,537 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2014-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.6737% | 129 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6914% | 92 |
| Percentage Net Loans Charged-off:Construction & development | 2.4381% | 213 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4190% | 690 |
| Percentage Net Loans Charged-off: Multi-family residential | 5.8317% | 54 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.3666% | 61 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7694% | 276 |
| All other 1-4 family - Percent of loans charged-off, net | 2.7372% | 52 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6621% | 444 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.5362% | 276 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 2.5362% | 246 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,395 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2014-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3608% | 1,133 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4698% | 657 |
| Percentage Net Loans Charged-off:Construction & development | 0.9126% | 384 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0079% | 5,575 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5200% | 153 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4793% | 716 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1462% | 669 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5514% | 620 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0743% | 1,703 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0240% | 849 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.0240% | 780 |
| 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 | NA | NA |
| 2014-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5828% | 634 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8295% | 321 |
| Percentage Net Loans Charged-off:Construction & development | 1.6652% | 223 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,059 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 176 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7813% | 409 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2110% | 451 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8991% | 354 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0118% | 4,625 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0516% | 5,294 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0516% | 5,222 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 938 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.5725% | 294 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5263% | 240 |
| Percentage Net Loans Charged-off:Construction & development | 5.0551% | 251 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1425% | 1,917 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.1973% | 259 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0719% | 420 |
| Percentage Net Loans Charged-off: Home equity loans | 1.3985% | 251 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0171% | 475 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8318% | 616 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1373% | 1,017 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.1373% | 911 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0076% | 1,508 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0672% | 531 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3404% | 294 |
| Percentage Net Loans Charged-off:Construction & development | 3.4655% | 355 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1575% | 1,640 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.6046% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2406% | 350 |
| Percentage Net Loans Charged-off: Home equity loans | 2.1119% | 177 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0994% | 428 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2346% | 1,865 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9113% | 1,149 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.9113% | 1,046 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0098% | 1,357 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.3258% | 429 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6484% | 252 |
| Percentage Net Loans Charged-off:Construction & development | 4.7663% | 272 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1123% | 1,564 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.4446% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.5252% | 307 |
| Percentage Net Loans Charged-off: Home equity loans | 11.1668% | 27 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0223% | 2,997 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2589% | 1,592 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1045% | 924 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.1045% | 826 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0146% | 1,174 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.0957% | 217 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.6158% | 125 |
| Percentage Net Loans Charged-off:Construction & development | 3.7718% | 272 |
| Percentage Net Loans Charged-off: Commercial real estate | 4.5056% | 100 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5235% | 970 |
| Percentage Net Loans Charged-off: Home equity loans | 3.5845% | 93 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0397% | 2,207 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1850% | 1,286 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5527% | 1,544 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5527% | 1,409 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 975 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5928% | 1,955 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4295% | 2,184 |
| Percentage Net Loans Charged-off:Construction & development | 1.0530% | 1,462 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0930% | 2,715 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.7039% | 520 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3352% | 2,336 |
| Percentage Net Loans Charged-off: Home equity loans | 2.1569% | 285 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0006% | 4,366 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8040% | 928 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2698% | 1,076 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.2698% | 987 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2390% | 997 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4792% | 2,181 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3473% | 2,370 |
| Percentage Net Loans Charged-off:Construction & development | 0.7085% | 1,531 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,867 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5371% | 495 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4525% | 1,864 |
| Percentage Net Loans Charged-off: Home equity loans | 2.8480% | 207 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 4,065 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6674% | 904 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4414% | 894 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.4414% | 804 |
| 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 | NA | NA |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3064% | 2,806 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0710% | 3,790 |
| Percentage Net Loans Charged-off:Construction & development | 0.0268% | 1,891 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,477 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1992% | 2,621 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2827% | 478 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,637 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.7323% | 599 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8860% | 678 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.8860% | 620 |
| 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 | NA | NA |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4765% | 1,898 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0419% | 3,376 |
| Percentage Net Loans Charged-off:Construction & development | 0.0528% | 1,368 |
| 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 | 0.0882% | 2,590 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5930% | 652 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,835 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.9159% | 257 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3779% | 2,067 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3779% | 1,896 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 960 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0657% | 5,649 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0722% | 4,829 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,917 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,614 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2345% | 3,245 |
| Percentage Net Loans Charged-off: Home equity loans | 1.3502% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 4,716 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,193 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,946 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 4,804 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,720 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 6,185 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 5,230 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,635 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,145 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 4,497 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,690 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 4,317 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,749 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,575 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 4,414 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,562 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 5,875 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 4,843 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,304 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,658 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 4,039 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,446 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,832 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,288 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,113 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,954 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,354 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 5,107 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,921 |
| 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 | 0.0000% | 3,128 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,026 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,913 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,380 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,362 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,005 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |