BayBank, Loan Charge- Offs and Recoveries
| 1996-12-31 (YTD Data) | Rank | |
| Total charge-offs | $66,082,000 | 77 |
| Loans secured by real estate, total | $17,095,000 | 33 |
| To non-U.S. addressees | $0 | 10 |
| Real estate loans in domestic offices | $17,095,000 | 33 |
| Construction and land development | $92,000 | 236 |
| Secured by farmland | $0 | 391 |
| Total charge-offs secured by 1-4 family residential properties | $5,489,000 | 45 |
| Secured by multifamily residential properties | $5,000 | 426 |
| Secured by nonfarm nonresidential properties | $11,509,000 | 17 |
| Real estate loans in foreign offices | $0 | 8 |
| Loans to depository institutions | $0 | 23 |
| To foreign banks | $0 | 12 |
| Loans to finance agricultural production and other loans to farmers | $0 | 223 |
| Commercial and industrial loans | $4,645,000 | 108 |
| Loans to individuals | $43,775,000 | 68 |
| Credit card loan charge offs | $23,708,000 | 72 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $20,067,000 | 40 |
| Loans to foreign governments and official institutions | $0 | 11 |
| Other loans | $567,000 | 62 |
| Lease financing receivables | $0 | 355 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $21,435,000 | 57 |
| Loans secured by real estate, total | $6,468,000 | 24 |
| To non-U.S. addressees | $0 | 8 |
| Real estate loans in domestic offices | $6,468,000 | 24 |
| Construction and land development | $25,000 | 260 |
| Secured by farmland | $0 | 587 |
| Secured by 1-4 family residential properties - total recoveries | $3,111,000 | 15 |
| Secured by multifamily residential properties | $29,000 | 185 |
| Secured by nonfarm nonresidential properties | $3,303,000 | 32 |
| Real estate loans in foreign offices | $0 | 7 |
| Loans to depository institutions | $0 | 32 |
| To foreign banks | $0 | 18 |
| Loans to finance agricultural production and other loans to farmers | $0 | 231 |
| Commercial and industrial loans | $3,954,000 | 61 |
| Loans to individuals | $10,980,000 | 58 |
| Credit card loan recoveries | $3,990,000 | 58 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $6,990,000 | 36 |
| Loans to foreign governments and official institutions | $0 | 32 |
| Other loans | $33,000 | 165 |
| Lease financing receivables | $0 | 294 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $44,647,000 | 80 |
| Loans secured by real estate, total | $10,627,000 | 44 |
| To non-U.S. addressees | $0 | 7 |
| Real estate loans in domestic offices | $10,627,000 | 43 |
| Construction and land development | $67,000 | 237 |
| Secured by farmland | $0 | 311 |
| Secured by 1-4 family residential properties- net charge-offs | $2,378,000 | 77 |
| Secured by multifamily residential properties | $-24,000 | 11,352 |
| Secured by nonfarm nonresidential properties | $8,206,000 | 16 |
| Real estate loans in foreign offices | $0 | 6 |
| Loans to depository institutions | $0 | 20 |
| To foreign banks | $0 | 10 |
| Loans to finance agricultural production and other loans to farmers | $0 | 178 |
| Commercial and industrial loans | $691,000 | 352 |
| To non-U.S. addressees | $0 | 22 |
| Loans to individuals | $32,795,000 | 69 |
| Credit card loan net charge offs | $19,718,000 | 73 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $13,077,000 | 43 |
| Loans to foreign governments and official institutions | $0 | 5 |
| Other loans | $534,000 | 47 |
| Lease financing receivables | $0 | 316 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1995-12-31 (YTD Data) | Rank | |
| Total charge-offs | $51,479,000 | 83 |
| Loans secured by real estate, total | $19,135,000 | 43 |
| To non-U.S. addressees | $0 | 15 |
| Real estate loans in domestic offices | $19,135,000 | 43 |
| Construction and land development | $0 | 883 |
| Secured by farmland | $0 | 381 |
| Total charge-offs secured by 1-4 family residential properties | $9,332,000 | 27 |
| Secured by multifamily residential properties | $42,000 | 392 |
| Secured by nonfarm nonresidential properties | $9,761,000 | 40 |
| Real estate loans in foreign offices | $0 | 12 |
| Loans to depository institutions | $652,000 | 11 |
| To foreign banks | $652,000 | 11 |
| Loans to finance agricultural production and other loans to farmers | $0 | 186 |
| Commercial and industrial loans | $5,244,000 | 96 |
| Loans to individuals | $26,381,000 | 83 |
| Credit card loan charge offs | $18,726,000 | 67 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $7,655,000 | 73 |
| Loans to foreign governments and official institutions | $0 | 15 |
| Other loans | $67,000 | 181 |
| Lease financing receivables | $0 | 341 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $23,395,000 | 48 |
| Loans secured by real estate, total | $11,527,000 | 18 |
| To non-U.S. addressees | $0 | 13 |
| Real estate loans in domestic offices | $11,527,000 | 16 |
| Construction and land development | $1,168,000 | 34 |
| Secured by farmland | $0 | 623 |
| Secured by 1-4 family residential properties - total recoveries | $4,170,000 | 9 |
| Secured by multifamily residential properties | $376,000 | 49 |
| Secured by nonfarm nonresidential properties | $5,813,000 | 21 |
| Real estate loans in foreign offices | $0 | 13 |
| Loans to depository institutions | $0 | 32 |
| To foreign banks | $0 | 20 |
| Loans to finance agricultural production and other loans to farmers | $0 | 227 |
| Commercial and industrial loans | $4,830,000 | 61 |
| Loans to individuals | $6,742,000 | 79 |
| Credit card loan recoveries | $3,378,000 | 62 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $3,364,000 | 64 |
| Loans to foreign governments and official institutions | $0 | 30 |
| Other loans | $296,000 | 59 |
| Lease financing receivables | $0 | 322 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $28,084,000 | 97 |
| Loans secured by real estate, total | $7,608,000 | 78 |
| To non-U.S. addressees | $0 | 12 |
| Real estate loans in domestic offices | $7,608,000 | 79 |
| Construction and land development | $-1,168,000 | 11,956 |
| Secured by farmland | $0 | 306 |
| Secured by 1-4 family residential properties- net charge-offs | $5,162,000 | 39 |
| Secured by multifamily residential properties | $-334,000 | 11,952 |
| Secured by nonfarm nonresidential properties | $3,948,000 | 72 |
| Real estate loans in foreign offices | $0 | 9 |
| Loans to depository institutions | $652,000 | 10 |
| To foreign banks | $652,000 | 10 |
| Loans to finance agricultural production and other loans to farmers | $0 | 130 |
| Commercial and industrial loans | $414,000 | 514 |
| To non-U.S. addressees | $0 | 22 |
| Loans to individuals | $19,639,000 | 79 |
| Credit card loan net charge offs | $15,348,000 | 66 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $4,291,000 | 82 |
| Loans to foreign governments and official institutions | $0 | 11 |
| Other loans | $-229,000 | 1,202 |
| Lease financing receivables | $0 | 281 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1994-12-31 (YTD Data) | Rank | |
| Total charge-offs | $58,266,000 | 68 |
| Loans secured by real estate, total | $31,614,000 | 36 |
| To non-U.S. addressees | $0 | 13 |
| Real estate loans in domestic offices | $31,614,000 | 36 |
| Construction and land development | $98,000 | 386 |
| Secured by farmland | $0 | 491 |
| Total charge-offs secured by 1-4 family residential properties | $9,654,000 | 38 |
| Secured by multifamily residential properties | $192,000 | 271 |
| Secured by nonfarm nonresidential properties | $21,670,000 | 22 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 18 |
| To foreign banks | $0 | 13 |
| Loans to finance agricultural production and other loans to farmers | $0 | 188 |
| Commercial and industrial loans | $4,305,000 | 135 |
| Loans to individuals | $22,218,000 | 67 |
| Credit card loan charge offs | $15,290,000 | 58 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $6,928,000 | 64 |
| Loans to foreign governments and official institutions | $0 | 15 |
| Other loans | $126,000 | 124 |
| Lease financing receivables | $3,000 | 280 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $15,758,000 | 74 |
| Loans secured by real estate, total | $4,866,000 | 65 |
| To non-U.S. addressees | $0 | 12 |
| Real estate loans in domestic offices | $4,866,000 | 65 |
| Construction and land development | $298,000 | 111 |
| Secured by farmland | $0 | 744 |
| Secured by 1-4 family residential properties - total recoveries | $2,938,000 | 17 |
| Secured by multifamily residential properties | $37,000 | 198 |
| Secured by nonfarm nonresidential properties | $1,593,000 | 91 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 33 |
| To foreign banks | $0 | 21 |
| Loans to finance agricultural production and other loans to farmers | $0 | 235 |
| Commercial and industrial loans | $4,866,000 | 71 |
| Loans to individuals | $5,785,000 | 83 |
| Credit card loan recoveries | $2,677,000 | 62 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $3,108,000 | 75 |
| Loans to foreign governments and official institutions | $0 | 34 |
| Other loans | $67,000 | 131 |
| Lease financing receivables | $174,000 | 68 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $42,508,000 | 62 |
| Loans secured by real estate, total | $26,748,000 | 40 |
| To non-U.S. addressees | $0 | 9 |
| Real estate loans in domestic offices | $26,748,000 | 40 |
| Construction and land development | $-200,000 | 12,539 |
| Secured by farmland | $0 | 385 |
| Secured by 1-4 family residential properties- net charge-offs | $6,716,000 | 46 |
| Secured by multifamily residential properties | $155,000 | 269 |
| Secured by nonfarm nonresidential properties | $20,077,000 | 20 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 14 |
| To foreign banks | $0 | 11 |
| Loans to finance agricultural production and other loans to farmers | $0 | 130 |
| Commercial and industrial loans | $-561,000 | 12,485 |
| To non-U.S. addressees | $0 | 26 |
| Loans to individuals | $16,433,000 | 65 |
| Credit card loan net charge offs | $12,613,000 | 60 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $3,820,000 | 58 |
| Loans to foreign governments and official institutions | $0 | 9 |
| Other loans | $59,000 | 130 |
| Lease financing receivables | $-171,000 | 11,052 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1993-12-31 (YTD Data) | Rank | |
| Total charge-offs | $69,398,000 | 74 |
| Loans secured by real estate, total | $33,702,000 | 52 |
| To non-U.S. addressees | $0 | 19 |
| Real estate loans in domestic offices | $33,702,000 | 52 |
| Construction and land development | $121,000 | 544 |
| Secured by farmland | $0 | 674 |
| Total charge-offs secured by 1-4 family residential properties | $14,270,000 | 30 |
| Secured by multifamily residential properties | $122,000 | 374 |
| Secured by nonfarm nonresidential properties | $19,189,000 | 45 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 28 |
| To foreign banks | $0 | 17 |
| Loans to finance agricultural production and other loans to farmers | $0 | 175 |
| Commercial and industrial loans | $11,500,000 | 85 |
| Loans to individuals | $24,110,000 | 62 |
| Credit card loan charge offs | $14,480,000 | 62 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $9,630,000 | 45 |
| Loans to foreign governments and official institutions | $0 | 34 |
| Other loans | $61,000 | 210 |
| Lease financing receivables | $25,000 | 255 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $19,091,000 | 66 |
| Loans secured by real estate, total | $5,992,000 | 37 |
| To non-U.S. addressees | $0 | 16 |
| Real estate loans in domestic offices | $5,992,000 | 37 |
| Construction and land development | $1,315,000 | 40 |
| Secured by farmland | $0 | 821 |
| Secured by 1-4 family residential properties - total recoveries | $2,799,000 | 13 |
| Secured by multifamily residential properties | $281,000 | 61 |
| Secured by nonfarm nonresidential properties | $1,597,000 | 68 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 43 |
| To foreign banks | $0 | 26 |
| Loans to finance agricultural production and other loans to farmers | $0 | 220 |
| Commercial and industrial loans | $7,892,000 | 54 |
| Loans to individuals | $5,053,000 | 81 |
| Credit card loan recoveries | $2,108,000 | 70 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $2,945,000 | 76 |
| Loans to foreign governments and official institutions | $0 | 38 |
| Other loans | $120,000 | 106 |
| Lease financing receivables | $34,000 | 160 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $50,307,000 | 78 |
| Loans secured by real estate, total | $27,710,000 | 60 |
| To non-U.S. addressees | $0 | 18 |
| Real estate loans in domestic offices | $27,710,000 | 60 |
| Construction and land development | $-1,194,000 | 13,276 |
| Secured by farmland | $0 | 548 |
| Secured by 1-4 family residential properties- net charge-offs | $11,471,000 | 31 |
| Secured by multifamily residential properties | $-159,000 | 13,254 |
| Secured by nonfarm nonresidential properties | $17,592,000 | 43 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 16 |
| To foreign banks | $0 | 11 |
| Loans to finance agricultural production and other loans to farmers | $0 | 121 |
| Commercial and industrial loans | $3,608,000 | 158 |
| To non-U.S. addressees | $0 | 36 |
| Loans to individuals | $19,057,000 | 60 |
| Credit card loan net charge offs | $12,372,000 | 63 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $6,685,000 | 34 |
| Loans to foreign governments and official institutions | $0 | 28 |
| Other loans | $-59,000 | 1,127 |
| Lease financing receivables | $-9,000 | 11,478 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1992-12-31 (YTD Data) | Rank | |
| Total charge-offs | $123,519,000 | 52 |
| Loans secured by real estate, total | $52,846,000 | 41 |
| To non-U.S. addressees | $0 | 17 |
| Real estate loans in domestic offices | $52,846,000 | 40 |
| Construction and land development | $3,698,000 | 103 |
| Secured by farmland | $0 | 904 |
| Total charge-offs secured by 1-4 family residential properties | $18,241,000 | 17 |
| Secured by multifamily residential properties | $1,345,000 | 107 |
| Secured by nonfarm nonresidential properties | $29,562,000 | 29 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 43 |
| To foreign banks | $0 | 20 |
| Loans to finance agricultural production and other loans to farmers | $0 | 201 |
| Commercial and industrial loans | $39,409,000 | 38 |
| Loans to individuals | $29,051,000 | 55 |
| Credit card loan charge offs | $15,983,000 | 68 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $13,068,000 | 42 |
| Loans to foreign governments and official institutions | $0 | 43 |
| Other loans | $2,075,000 | 42 |
| Lease financing receivables | $138,000 | 174 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $12,652,000 | 82 |
| Loans secured by real estate, total | $2,861,000 | 56 |
| To non-U.S. addressees | $0 | 7 |
| Real estate loans in domestic offices | $2,861,000 | 56 |
| Construction and land development | $504,000 | 68 |
| Secured by farmland | $0 | 870 |
| Secured by 1-4 family residential properties - total recoveries | $1,466,000 | 21 |
| Secured by multifamily residential properties | $137,000 | 78 |
| Secured by nonfarm nonresidential properties | $754,000 | 103 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 52 |
| To foreign banks | $0 | 28 |
| Loans to finance agricultural production and other loans to farmers | $0 | 217 |
| Commercial and industrial loans | $4,537,000 | 70 |
| Loans to individuals | $5,120,000 | 73 |
| Credit card loan recoveries | $1,709,000 | 76 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $3,411,000 | 61 |
| Loans to foreign governments and official institutions | $0 | 47 |
| Other loans | $22,000 | 205 |
| Lease financing receivables | $112,000 | 99 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $110,867,000 | 50 |
| Loans secured by real estate, total | $49,985,000 | 41 |
| To non-U.S. addressees | $0 | 17 |
| Real estate loans in domestic offices | $49,985,000 | 40 |
| Construction and land development | $3,194,000 | 120 |
| Secured by farmland | $0 | 773 |
| Secured by 1-4 family residential properties- net charge-offs | $16,775,000 | 17 |
| Secured by multifamily residential properties | $1,208,000 | 113 |
| Secured by nonfarm nonresidential properties | $28,808,000 | 28 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 36 |
| To foreign banks | $0 | 15 |
| Loans to finance agricultural production and other loans to farmers | $0 | 152 |
| Commercial and industrial loans | $34,872,000 | 34 |
| To non-U.S. addressees | $0 | 50 |
| Loans to individuals | $23,931,000 | 54 |
| Credit card loan net charge offs | $14,274,000 | 68 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $9,657,000 | 32 |
| Loans to foreign governments and official institutions | $0 | 37 |
| Other loans | $2,053,000 | 35 |
| Lease financing receivables | $26,000 | 251 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.