Home > The Provident Bank > Net charge- offs to loans
The Provident Bank, Net charge- offs to loans
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4552% | 1,242 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1898% | 979 |
| Percentage Net Loans Charged-off:Construction & development | 0.5360% | 206 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4691% | 461 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1070% | 1,532 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0247% | 568 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4143% | 479 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3175% | 2,655 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6876% | 3,027 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0361% | 1,628 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.8410% | 636 |
| 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 | 0.4038% | 1,225 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1715% | 904 |
| Percentage Net Loans Charged-off:Construction & development | 0.8618% | 135 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2780% | 489 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0641% | 1,704 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0275% | 468 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1916% | 857 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6045% | 1,591 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4144% | 3,808 |
| Percentage Net Loans Charged-off: Credit card loans | 0.1635% | 1,498 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4443% | 753 |
| 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 | 1.5266% | 230 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1598% | 926 |
| Percentage Net Loans Charged-off:Construction & development | -0.0317% | 7,873 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0388% | 798 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2605% | 642 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0774% | 312 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8569% | 189 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1977% | 525 |
| Percentage Net Loans Charged-off: Loans to individuals | 10.8121% | 47 |
| Percentage Net Loans Charged-off: Credit card loans | 0.2364% | 1,340 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.6558% | 340 |
| 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 | 0.4254% | 1,063 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1220% | 897 |
| Percentage Net Loans Charged-off:Construction & development | -0.0591% | 7,881 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0106% | 8,429 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2251% | 625 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0145% | 272 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9449% | 171 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7266% | 1,003 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0796% | 803 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,093 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3337% | 590 |
| 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 | 1.6524% | 292 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.8106% | 60 |
| Percentage Net Loans Charged-off:Construction & development | -0.0445% | 8,028 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1700% | 895 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.2379% | 34 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0379% | 529 |
| All other 1-4 family - Percent of loans charged-off, net | 9.3927% | 8 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5878% | 1,140 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9554% | 888 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0699% | 1,494 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.5117% | 539 |
| 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 | 1.3735% | 327 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.3547% | 28 |
| Percentage Net Loans Charged-off:Construction & development | -0.0731% | 8,041 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,273 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 4.3125% | 24 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0340% | 432 |
| All other 1-4 family - Percent of loans charged-off, net | 11.5095% | 7 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1071% | 1,310 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6422% | 1,071 |
| Percentage Net Loans Charged-off: Credit card loans | 2.1328% | 1,088 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4645% | 920 |
| 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 | 1.7947% | 227 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.5283% | 19 |
| Percentage Net Loans Charged-off:Construction & development | -0.0832% | 8,009 |
| 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 | 6.3733% | 14 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0478% | 345 |
| All other 1-4 family - Percent of loans charged-off, net | 15.2877% | 7 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1762% | 1,157 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5356% | 1,226 |
| Percentage Net Loans Charged-off: Credit card loans | 3.6683% | 650 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3992% | 839 |
| 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 | 0.6940% | 771 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5563% | 278 |
| Percentage Net Loans Charged-off:Construction & development | 0.0645% | 270 |
| 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 | 0.9428% | 164 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0647% | 228 |
| All other 1-4 family - Percent of loans charged-off, net | 1.8489% | 82 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0025% | 1,024 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7141% | 2,574 |
| Percentage Net Loans Charged-off: Credit card loans | 6.3336% | 334 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4833% | 617 |
| 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 | 1.5175% | 388 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8202% | 226 |
| Percentage Net Loans Charged-off:Construction & development | 0.1761% | 534 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0029% | 1,539 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.4201% | 107 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0591% | 481 |
| All other 1-4 family - Percent of loans charged-off, net | 2.1084% | 60 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1621% | 985 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8367% | 2,870 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3972% | 1,508 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.7347% | 471 |
| 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 | 1.6055% | 354 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4363% | 437 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0998% | 943 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7584% | 233 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0754% | 6,008 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9039% | 189 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.3138% | 589 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9021% | 2,546 |
| Percentage Net Loans Charged-off: Credit card loans | -0.6062% | 5,453 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.1608% | 630 |
| 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 | 1.0206% | 531 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4097% | 57 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0029% | 1,266 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1350% | 24 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5144% | 54 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2099% | 22 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6442% | 143 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1037% | 1,242 |
| Percentage Net Loans Charged-off: Credit card loans | 0.9969% | 769 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.6813% | 128 |
| 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 | 0.5757% | 1,148 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1506% | 180 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0469% | 278 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6084% | 38 |
| Percentage Net Loans Charged-off: Home equity loans | -0.6845% | 1,368 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8556% | 21 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7608% | 269 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1485% | 379 |
| Percentage Net Loans Charged-off: Credit card loans | 2.9155% | 357 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4644% | 165 |
| 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 | 0.5124% | 1,418 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0476% | 485 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.3322% | 1,406 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5250% | 37 |
| Percentage Net Loans Charged-off: Home equity loans | 2.5486% | 17 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1821% | 147 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5823% | 298 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0653% | 454 |
| Percentage Net Loans Charged-off: Credit card loans | 2.6333% | 477 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.6520% | 113 |
| 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 | 0.7885% | 838 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1410% | 254 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1272% | 247 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3480% | 70 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2311% | 162 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3962% | 58 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7500% | 243 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.0200% | 128 |
| Percentage Net Loans Charged-off: Credit card loans | 7.6270% | 81 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4865% | 129 |
| 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 | 0.8149% | 954 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1210% | 385 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4194% | 172 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0204% | 753 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0267% | 658 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8070% | 232 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.0762% | 122 |
| Percentage Net Loans Charged-off: Credit card loans | 8.9657% | 49 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3581% | 165 |
| 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 | 0.1067% | 5,471 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0048% | 987 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0182% | 569 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1326% | 1,372 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0138% | 855 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0173% | 766 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0708% | 1,146 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8493% | 456 |
| Percentage Net Loans Charged-off: Credit card loans | 3.2472% | 272 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1285% | 274 |
| 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 | -0.0108% | 10,176 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0504% | 737 |
| Percentage Net Loans Charged-off:Construction & development | -0.1284% | 1,298 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0636% | 549 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.2883% | 122 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0293% | 718 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0366% | 624 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2712% | 1,218 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4993% | 629 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7064% | 500 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0022% | 368 |
| 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 | 0.2406% | 4,895 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0991% | 750 |
| Percentage Net Loans Charged-off:Construction & development | 0.0639% | 440 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0240% | 1,359 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.2110% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1764% | 361 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2558% | 170 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1560% | 384 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2382% | 714 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6977% | 562 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2054% | 709 |
| 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 | NA | NA |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3971% | 5,105 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0649% | 1,035 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 639 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0952% | 843 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 418 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0753% | 688 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0936% | 605 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7461% | 676 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6517% | 821 |
| Percentage Net Loans Charged-off: Credit card loans | 2.0719% | 607 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 479 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |