Home > Commerce Bank > Net charge- offs to loans
Commerce Bank, Net charge- offs to loans
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1180% | 3,131 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0010% | 7,703 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0025% | 8,244 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,286 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0078% | 6,867 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.5058% | 526 |
| Percentage Net Loans Charged-off: Credit card loans | 4.1324% | 454 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1845% | 878 |
| 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 | 0.1051% | 2,820 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,955 |
| 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 | 0.0000% | 1,591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0157% | 6,973 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0549% | 817 |
| Percentage Net Loans Charged-off: Credit card loans | 3.3768% | 545 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2750% | 624 |
| 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 | 0.1963% | 3,425 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0235% | 3,180 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0192% | 1,446 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0224% | 161 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0402% | 2,510 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0470% | 2,317 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0132% | 4,676 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.8730% | 458 |
| Percentage Net Loans Charged-off: Credit card loans | 4.7956% | 448 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5112% | 973 |
| 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 | 0.1860% | 3,142 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0314% | 2,471 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0252% | 1,124 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0304% | 118 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0547% | 1,898 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0640% | 1,747 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0175% | 4,053 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.6528% | 495 |
| Percentage Net Loans Charged-off: Credit card loans | 4.6160% | 481 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4364% | 945 |
| 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 | 0.1640% | 3,126 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0470% | 1,891 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0368% | 849 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0477% | 82 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0836% | 1,385 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0978% | 1,272 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0272% | 7,490 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4351% | 593 |
| Percentage Net Loans Charged-off: Credit card loans | 5.6262% | 370 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2939% | 926 |
| 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 | 0.1668% | 2,621 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0596% | 1,346 |
| 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 | 0.1014% | 39 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1631% | 800 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1916% | 722 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0034% | 7,231 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4518% | 679 |
| Percentage Net Loans Charged-off: Credit card loans | 5.4051% | 411 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1303% | 825 |
| 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 | 0.2012% | 3,655 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0956% | 1,863 |
| Percentage Net Loans Charged-off:Construction & development | 0.2188% | 495 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0039% | 1,534 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.2440% | 64 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0181% | 2,926 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0210% | 2,742 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0644% | 4,465 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6928% | 1,149 |
| Percentage Net Loans Charged-off: Credit card loans | 4.0065% | 692 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3779% | 1,150 |
| 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 | 0.1498% | 4,295 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0324% | 8,929 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0182% | 1,303 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0438% | 2,204 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0500% | 2,022 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0505% | 4,458 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5137% | 1,264 |
| Percentage Net Loans Charged-off: Credit card loans | 3.8927% | 648 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4357% | 1,066 |
| 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 | 0.1802% | 3,422 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0090% | 782 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0156% | 353 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0070% | 800 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0079% | 737 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1705% | 734 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0124% | 402 |
| Percentage Net Loans Charged-off: Credit card loans | 3.6975% | 230 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3916% | 181 |
| 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 | 0.1780% | 3,515 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0036% | 947 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| 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 | 0.0104% | 853 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0117% | 790 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2105% | 659 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7075% | 628 |
| Percentage Net Loans Charged-off: Credit card loans | 3.3012% | 300 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3931% | 184 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1220% | 4,679 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0178% | 725 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 457 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0354% | 578 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0390% | 509 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1656% | 679 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4016% | 930 |
| Percentage Net Loans Charged-off: Credit card loans | 3.3077% | 361 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2181% | 242 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 24 |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1469% | 4,584 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0413% | 572 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 477 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1448% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0645% | 464 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0685% | 412 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0199% | 850 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6206% | 792 |
| Percentage Net Loans Charged-off: Credit card loans | 4.5250% | 261 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2342% | 199 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 31 |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1484% | 4,871 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,050 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 559 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 995 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1810% | 1,300 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8595% | 609 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3808% | 554 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2647% | 207 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 34 |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3030% | 2,827 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,049 |
| 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 | 0.0000% | 1,034 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 989 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0291% | 1,101 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8106% | 489 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0451% | 804 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1425% | 259 |
| 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 | 0.1690% | 4,487 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,087 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 668 |
| 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 | -0.1066% | 1,125 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5016% | 625 |
| Percentage Net Loans Charged-off: Credit card loans | 0.4009% | 910 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1215% | 235 |
| 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 | 0.0232% | 9,103 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0298% | 1,428 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0628% | 1,390 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0031% | 1,359 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0032% | 1,354 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0210% | 1,172 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0783% | 1,230 |
| Percentage Net Loans Charged-off: Credit card loans | 0.3127% | 952 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2955% | 225 |
| 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 | 0.2225% | 6,979 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,332 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 639 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 967 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 418 |
| 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 | 0.5259% | 779 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4272% | 1,032 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,026 |
| 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 |