Home > Granite Bank > Net charge- offs to loans
Granite Bank, Net charge- offs to loans
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 5,097 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0042% | 1,891 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0043% | 8,369 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0123% | 1,495 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0106% | 5,897 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0168% | 1,348 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0119% | 2,118 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.5608% | 8,428 |
| 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% | 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 | 0.0514% | 5,870 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0195% | 8,423 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0304% | 1,380 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0553% | 8,665 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0352% | 6,019 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0579% | 8,663 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0850% | 1,578 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6890% | 3,397 |
| 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% | 1,856 |
| 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 | 0.0671% | 4,980 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0204% | 2,725 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0699% | 960 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0059% | 8,244 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0480% | 5,981 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0009% | 8,144 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7167% | 1,801 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7607% | 2,824 |
| 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% | 1,617 |
| 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 | 0.0738% | 4,449 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0219% | 2,315 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0746% | 750 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0048% | 8,243 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1287% | 5,984 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0087% | 2,147 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9314% | 1,380 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1133% | 8,288 |
| 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% | 1,407 |
| 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 | -0.0157% | 7,728 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0142% | 8,432 |
| 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 | -0.0247% | 8,582 |
| Percentage Net Loans Charged-off: Home equity loans | -0.2628% | 5,932 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,550 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0217% | 7,350 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1484% | 8,098 |
| 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% | 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 | 0.0678% | 5,781 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0175% | 3,393 |
| Percentage Net Loans Charged-off:Construction & development | -0.1204% | 8,147 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0735% | 1,161 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0042% | 8,352 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0046% | 8,363 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7882% | 2,218 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3612% | 5,031 |
| 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% | 1,956 |
| 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 | 0.0642% | 5,802 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0471% | 2,420 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1377% | 852 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0099% | 2,982 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0104% | 2,803 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1863% | 3,711 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6782% | 3,347 |
| 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 | 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 | 0.0191% | 6,760 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0002% | 1,236 |
| Percentage Net Loans Charged-off:Construction & development | -0.8631% | 1,467 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0309% | 1,376 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0221% | 87 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0242% | 605 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0257% | 560 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1119% | 824 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5192% | 765 |
| Percentage Net Loans Charged-off: Credit card loans | 1.1660% | 722 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.7155% | 122 |
| 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 | 0.0249% | 6,876 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0597% | 401 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1850% | 137 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0135% | 820 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0105% | 1,285 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0150% | 754 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.4198% | 1,434 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2500% | 1,081 |
| Percentage Net Loans Charged-off: Credit card loans | 1.1988% | 740 |
| 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 | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3083% | 2,401 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2231% | 119 |
| Percentage Net Loans Charged-off:Construction & development | 0.4076% | 64 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5531% | 68 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.3851% | 1,353 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1216% | 248 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5069% | 73 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0923% | 282 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7224% | 251 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9042% | 222 |
| Percentage Net Loans Charged-off: Credit card loans | 2.4631% | 509 |
| 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 | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2160% | 3,601 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1665% | 208 |
| Percentage Net Loans Charged-off:Construction & development | 0.3137% | 102 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0656% | 326 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.8358% | 50 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1274% | 260 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0243% | 1,251 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1437% | 217 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4871% | 339 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3987% | 984 |
| Percentage Net Loans Charged-off: Credit card loans | 3.8180% | 338 |
| 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 | NA | NA |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3483% | 2,582 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2782% | 185 |
| Percentage Net Loans Charged-off:Construction & development | -1.8899% | 1,437 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3110% | 212 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.3050% | 66 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2259% | 181 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2412% | 159 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6837% | 100 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0409% | 1,339 |
| 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 | 0.0000% | 444 |
| 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 | 0.6573% | 1,185 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2873% | 242 |
| Percentage Net Loans Charged-off:Construction & development | -1.2416% | 1,439 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5973% | 216 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2191% | 209 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2351% | 194 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.6392% | 21 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0472% | 1,309 |
| Percentage Net Loans Charged-off: Credit card loans | -0.4803% | 1,323 |
| 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 | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1974% | 4,045 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2140% | 386 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4330% | 307 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0448% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1484% | 307 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1593% | 297 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0554% | 1,075 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1531% | 1,093 |
| Percentage Net Loans Charged-off: Credit card loans | -0.7599% | 1,295 |
| 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 | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2737% | 4,485 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1823% | 591 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2843% | 517 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1163% | 1,384 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1698% | 367 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3323% | 145 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1559% | 385 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6252% | 494 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2794% | 319 |
| Percentage Net Loans Charged-off: Credit card loans | 47.8142% | 7 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 3.8088% | 28 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8251% | 2,641 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9176% | 278 |
| Percentage Net Loans Charged-off:Construction & development | 10.2344% | 71 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2297% | 347 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.4077% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6013% | 129 |
| Percentage Net Loans Charged-off: Home equity loans | 1.9671% | 23 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4576% | 195 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3228% | 1,403 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8506% | 669 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0879% | 860 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 4.5471% | 27 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |