Home > First Essex Bank > Net charge- offs to loans
First Essex Bank, Net charge- offs to loans
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6946% | 972 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0009% | 7,920 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,593 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0039% | 8,202 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0047% | 8,230 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4237% | 2,833 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7599% | 1,053 |
| 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 | NA | NA |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5556% | 1,139 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0012% | 7,906 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| 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 | -0.0050% | 8,218 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0060% | 8,258 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3592% | 2,552 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3979% | 1,384 |
| 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 | NA | NA |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5351% | 1,152 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0018% | 7,966 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| 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 | -0.0073% | 8,294 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0087% | 8,345 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3389% | 2,329 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3721% | 1,437 |
| 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 | NA | NA |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6649% | 812 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0009% | 8,047 |
| 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 | -0.0036% | 8,316 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0043% | 8,360 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4548% | 1,479 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6878% | 1,120 |
| 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 | NA | NA |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5778% | 1,434 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0033% | 8,192 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0085% | 8,572 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0051% | 3,286 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0058% | 3,100 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7182% | 2,343 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2437% | 1,834 |
| 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 | NA | NA |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4963% | 1,645 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0169% | 8,746 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0199% | 8,848 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0222% | 8,884 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0244% | 8,914 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5027% | 2,680 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3550% | 1,485 |
| 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 | NA | NA |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2384% | 2,731 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0431% | 1,481 |
| Percentage Net Loans Charged-off:Construction & development | 0.0014% | 263 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0098% | 1,313 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0968% | 1,514 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1043% | 1,513 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0241% | 1,335 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1175% | 357 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 977 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 385 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2746% | 2,479 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0572% | 1,453 |
| Percentage Net Loans Charged-off:Construction & development | 0.0144% | 214 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1740% | 1,419 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0127% | 828 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0136% | 769 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2101% | 660 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2046% | 355 |
| Percentage Net Loans Charged-off: Credit card loans | 3.4060% | 285 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| 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 | 0.1423% | 4,330 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.2231% | 1,465 |
| Percentage Net Loans Charged-off:Construction & development | -0.0306% | 1,292 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.6404% | 1,430 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0451% | 1,408 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0478% | 1,400 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2012% | 626 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4005% | 326 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 973 |
| 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 | 0.3529% | 2,310 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1983% | 167 |
| Percentage Net Loans Charged-off:Construction & development | -0.0262% | 1,256 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8089% | 49 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0049% | 929 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0051% | 873 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0533% | 1,223 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3840% | 377 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5552% | 762 |
| 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 | 0.2461% | 3,523 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2326% | 225 |
| Percentage Net Loans Charged-off:Construction & development | -0.0196% | 1,306 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1297% | 327 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2876% | 136 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4542% | 84 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2801% | 137 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.5635% | 1,400 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9021% | 590 |
| Percentage Net Loans Charged-off: Credit card loans | 4.1691% | 270 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| 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 | 0.3059% | 2,804 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3109% | 230 |
| Percentage Net Loans Charged-off:Construction & development | -1.3488% | 1,442 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2113% | 378 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4062% | 105 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3756% | 106 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4076% | 105 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3445% | 1,323 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8037% | 492 |
| Percentage Net Loans Charged-off: Credit card loans | 4.4704% | 129 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| 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 | 0.1280% | 5,169 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3219% | 287 |
| Percentage Net Loans Charged-off:Construction & development | -1.6983% | 1,399 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8037% | 201 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3902% | 140 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1723% | 1,273 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4247% | 130 |
| Percentage Net Loans Charged-off: Commercial and industrial | -2.0115% | 1,367 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3618% | 791 |
| Percentage Net Loans Charged-off: Credit card loans | 3.2220% | 190 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| 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 | 0.9431% | 1,359 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9380% | 191 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | -1.0659% | 1,495 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2745% | 46 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0243% | 1,266 |
| All other 1-4 family - Percent of loans charged-off, net | 1.3859% | 43 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1024% | 360 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5516% | 249 |
| Percentage Net Loans Charged-off: Credit card loans | -9.9905% | 1,315 |
| 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 | 1.9612% | 779 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6187% | 132 |
| Percentage Net Loans Charged-off:Construction & development | 16.3023% | 30 |
| Percentage Net Loans Charged-off: Commercial real estate | 5.7522% | 47 |
| Percentage Net Loans Charged-off: Multi-family residential | 3.1689% | 119 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8971% | 72 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3599% | 136 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9421% | 76 |
| Percentage Net Loans Charged-off: Commercial and industrial | 16.4712% | 29 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.8522% | 88 |
| Percentage Net Loans Charged-off: Credit card loans | 7.4557% | 80 |
| 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 |