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Harris Trust and Savings Bank, Net charge- offs to loans

2005-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2508%1,316
Percentage Net Loans Charged-off: Total real estate loans0.0034%1,750
Percentage Net Loans Charged-off:Construction & development0.0000%235
Percentage Net Loans Charged-off: Commercial real estate0.0000%511
Percentage Net Loans Charged-off: Multi-family residential0.0000%61
Percentage Net Loans Charged-off: 1-4 family residential0.0127%1,410
Percentage Net Loans Charged-off: Home equity loans0.0584%257
All other 1-4 family - Percent of loans charged-off, net0.0077%1,329
Percentage Net Loans Charged-off: Commercial and industrial0.5679%958
Percentage Net Loans Charged-off: Loans to individuals0.2167%3,515
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease-0.0014%7,030
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%13
2004-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2191%2,548
Percentage Net Loans Charged-off: Total real estate loans0.2519%730
Percentage Net Loans Charged-off:Construction & development3.0962%57
Percentage Net Loans Charged-off: Commercial real estate0.5296%418
Percentage Net Loans Charged-off: Multi-family residential0.0000%197
Percentage Net Loans Charged-off: 1-4 family residential-0.0057%7,995
Percentage Net Loans Charged-off: Home equity loans0.0000%657
All other 1-4 family - Percent of loans charged-off, net-0.0063%7,995
Percentage Net Loans Charged-off: Commercial and industrial0.2683%2,839
Percentage Net Loans Charged-off: Loans to individuals0.2268%5,276
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,643
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%27
2004-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3064%1,617
Percentage Net Loans Charged-off: Total real estate loans0.3206%490
Percentage Net Loans Charged-off:Construction & development3.9568%44
Percentage Net Loans Charged-off: Commercial real estate0.3974%392
Percentage Net Loans Charged-off: Multi-family residential0.0000%155
Percentage Net Loans Charged-off: 1-4 family residential0.0049%2,659
Percentage Net Loans Charged-off: Home equity loans0.0000%554
All other 1-4 family - Percent of loans charged-off, net0.0054%2,484
Percentage Net Loans Charged-off: Commercial and industrial0.4386%1,897
Percentage Net Loans Charged-off: Loans to individuals0.2401%4,735
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,414
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%21
2004-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3724%1,265
Percentage Net Loans Charged-off: Total real estate loans0.4857%296
Percentage Net Loans Charged-off:Construction & development5.4066%38
Percentage Net Loans Charged-off: Commercial real estate0.5792%278
Percentage Net Loans Charged-off: Multi-family residential0.0000%116
Percentage Net Loans Charged-off: 1-4 family residential0.0154%2,019
Percentage Net Loans Charged-off: Home equity loans0.0000%431
All other 1-4 family - Percent of loans charged-off, net0.0169%1,872
Percentage Net Loans Charged-off: Commercial and industrial0.4461%1,678
Percentage Net Loans Charged-off: Loans to individuals0.2590%4,304
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,207
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%19
2004-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3718%1,195
Percentage Net Loans Charged-off: Total real estate loans0.6072%232
Percentage Net Loans Charged-off:Construction & development7.2416%38
Percentage Net Loans Charged-off: Commercial real estate0.0000%553
Percentage Net Loans Charged-off: Multi-family residential0.0000%70
Percentage Net Loans Charged-off: 1-4 family residential0.0037%1,564
Percentage Net Loans Charged-off: Home equity loans0.0000%291
All other 1-4 family - Percent of loans charged-off, net0.0040%1,449
Percentage Net Loans Charged-off: Commercial and industrial0.3115%1,400
Percentage Net Loans Charged-off: Loans to individuals0.2920%3,585
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%887
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%12
2003-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.7720%848
Percentage Net Loans Charged-off: Total real estate loans-0.0011%7,927
Percentage Net Loans Charged-off:Construction & development0.0000%836
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,593
Percentage Net Loans Charged-off: Multi-family residential0.0000%186
Percentage Net Loans Charged-off: 1-4 family residential-0.0014%8,131
Percentage Net Loans Charged-off: Home equity loans0.0000%639
All other 1-4 family - Percent of loans charged-off, net-0.0015%8,146
Percentage Net Loans Charged-off: Commercial and industrial1.8366%990
Percentage Net Loans Charged-off: Loans to individuals0.4025%4,710
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease-0.0006%7,214
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%56
2003-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.7683%721
Percentage Net Loans Charged-off: Total real estate loans-0.0005%7,865
Percentage Net Loans Charged-off:Construction & development0.0000%663
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,273
Percentage Net Loans Charged-off: Multi-family residential0.0000%138
Percentage Net Loans Charged-off: 1-4 family residential-0.0006%8,105
Percentage Net Loans Charged-off: Home equity loans0.0000%519
All other 1-4 family - Percent of loans charged-off, net-0.0007%8,135
Percentage Net Loans Charged-off: Commercial and industrial1.7927%847
Percentage Net Loans Charged-off: Loans to individuals0.4429%4,093
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease-0.0008%7,217
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%45
2003-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.7871%743
Percentage Net Loans Charged-off: Total real estate loans0.0016%2,899
Percentage Net Loans Charged-off:Construction & development0.0000%523
Percentage Net Loans Charged-off: Commercial real estate0.0000%978
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential0.0021%2,380
Percentage Net Loans Charged-off: Home equity loans0.0000%421
All other 1-4 family - Percent of loans charged-off, net0.0023%2,262
Percentage Net Loans Charged-off: Commercial and industrial1.7948%834
Percentage Net Loans Charged-off: Loans to individuals0.5211%3,488
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease-0.0001%7,259
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%37
2003-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.6619%816
Percentage Net Loans Charged-off: Total real estate loans-0.0008%8,044
Percentage Net Loans Charged-off:Construction & development0.0000%326
Percentage Net Loans Charged-off: Commercial real estate0.0000%618
Percentage Net Loans Charged-off: Multi-family residential0.0000%56
Percentage Net Loans Charged-off: 1-4 family residential-0.0011%8,288
Percentage Net Loans Charged-off: Home equity loans0.0000%277
All other 1-4 family - Percent of loans charged-off, net-0.0012%8,328
Percentage Net Loans Charged-off: Commercial and industrial1.4526%773
Percentage Net Loans Charged-off: Loans to individuals0.6378%2,773
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease-0.0002%7,322
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%23
2002-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.9305%776
Percentage Net Loans Charged-off: Total real estate loans0.0504%2,548
Percentage Net Loans Charged-off:Construction & development0.0000%875
Percentage Net Loans Charged-off: Commercial real estate0.4124%579
Percentage Net Loans Charged-off: Multi-family residential0.1025%142
Percentage Net Loans Charged-off: 1-4 family residential0.0006%3,428
Percentage Net Loans Charged-off: Home equity loans0.0074%596
All other 1-4 family - Percent of loans charged-off, net0.0000%3,246
Percentage Net Loans Charged-off: Commercial and industrial1.5408%1,344
Percentage Net Loans Charged-off: Loans to individuals0.4680%4,470
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease1.0980%663
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%51
2001-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.8921%831
Percentage Net Loans Charged-off: Total real estate loans0.4204%458
Percentage Net Loans Charged-off:Construction & development0.0000%831
Percentage Net Loans Charged-off: Commercial real estate2.6760%115
Percentage Net Loans Charged-off: Multi-family residential0.0000%192
Percentage Net Loans Charged-off: 1-4 family residential-0.0035%8,548
Percentage Net Loans Charged-off: Home equity loans-0.0506%5,993
All other 1-4 family - Percent of loans charged-off, net0.0000%3,123
Percentage Net Loans Charged-off: Commercial and industrial1.5469%1,260
Percentage Net Loans Charged-off: Loans to individuals0.2838%5,419
Percentage Net Loans Charged-off: Credit card loans0.0000%2,107
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,876
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%74
2000-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2267%2,853
Percentage Net Loans Charged-off: Total real estate loans-0.0235%1,439
Percentage Net Loans Charged-off:Construction & development0.0000%266
Percentage Net Loans Charged-off: Commercial real estate0.0000%426
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential-0.0302%1,465
Percentage Net Loans Charged-off: Home equity loans0.0018%362
All other 1-4 family - Percent of loans charged-off, net-0.0327%1,464
Percentage Net Loans Charged-off: Commercial and industrial0.3948%516
Percentage Net Loans Charged-off: Loans to individuals0.2412%1,074
Percentage Net Loans Charged-off: Credit card loans0.0000%977
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%385
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%23
1999-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1688%3,623
Percentage Net Loans Charged-off: Total real estate loans0.0088%860
Percentage Net Loans Charged-off:Construction & development0.0000%250
Percentage Net Loans Charged-off: Commercial real estate0.0000%415
Percentage Net Loans Charged-off: Multi-family residential0.0000%120
Percentage Net Loans Charged-off: 1-4 family residential0.0097%862
Percentage Net Loans Charged-off: Home equity loans0.0057%357
All other 1-4 family - Percent of loans charged-off, net0.0100%808
Percentage Net Loans Charged-off: Commercial and industrial0.2501%607
Percentage Net Loans Charged-off: Loans to individuals0.4937%813
Percentage Net Loans Charged-off: Credit card loans0.0000%985
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%415
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%23
1998-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1853%3,682
Percentage Net Loans Charged-off: Total real estate loans0.0823%341
Percentage Net Loans Charged-off:Construction & development0.0000%229
Percentage Net Loans Charged-off: Commercial real estate0.0000%457
Percentage Net Loans Charged-off: Multi-family residential0.0000%151
Percentage Net Loans Charged-off: 1-4 family residential0.0906%315
Percentage Net Loans Charged-off: Home equity loans0.0000%385
All other 1-4 family - Percent of loans charged-off, net0.0996%265
Percentage Net Loans Charged-off: Commercial and industrial0.2349%577
Percentage Net Loans Charged-off: Loans to individuals0.6277%738
Percentage Net Loans Charged-off: Credit card loans0.0000%973
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%409
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%24
1997-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.7944%823
Percentage Net Loans Charged-off: Total real estate loans-0.0252%1,329
Percentage Net Loans Charged-off:Construction & development0.0000%260
Percentage Net Loans Charged-off: Commercial real estate0.0000%477
Percentage Net Loans Charged-off: Multi-family residential0.0000%192
Percentage Net Loans Charged-off: 1-4 family residential-0.0295%1,388
Percentage Net Loans Charged-off: Home equity loans0.0000%396
All other 1-4 family - Percent of loans charged-off, net-0.0336%1,394
Percentage Net Loans Charged-off: Commercial and industrial0.2258%555
Percentage Net Loans Charged-off: Loans to individuals4.7697%79
Percentage Net Loans Charged-off: Credit card loans6.0528%138
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%386
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%31
1996-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.6100%1,397
Percentage Net Loans Charged-off: Total real estate loans0.0266%737
Percentage Net Loans Charged-off:Construction & development0.0000%284
Percentage Net Loans Charged-off: Commercial real estate0.0000%559
Percentage Net Loans Charged-off: Multi-family residential0.0000%233
Percentage Net Loans Charged-off: 1-4 family residential0.0314%648
Percentage Net Loans Charged-off: Home equity loans0.0000%412
All other 1-4 family - Percent of loans charged-off, net0.0377%577
Percentage Net Loans Charged-off: Commercial and industrial0.2015%568
Percentage Net Loans Charged-off: Loans to individuals3.0348%123
Percentage Net Loans Charged-off: Credit card loans3.8361%300
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%444
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%34
1995-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.5623%1,432
Percentage Net Loans Charged-off: Total real estate loans0.0811%559
Percentage Net Loans Charged-off:Construction & development0.0000%344
Percentage Net Loans Charged-off: Commercial real estate0.0000%615
Percentage Net Loans Charged-off: Multi-family residential0.0000%281
Percentage Net Loans Charged-off: 1-4 family residential0.0965%378
Percentage Net Loans Charged-off: Home equity loans0.0000%403
All other 1-4 family - Percent of loans charged-off, net0.1121%335
Percentage Net Loans Charged-off: Commercial and industrial0.3351%393
Percentage Net Loans Charged-off: Loans to individuals2.0416%136
Percentage Net Loans Charged-off: Credit card loans2.7702%359
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%433
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%48
1994-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.6697%1,308
Percentage Net Loans Charged-off: Total real estate loans0.2560%344
Percentage Net Loans Charged-off:Construction & development0.0000%353
Percentage Net Loans Charged-off: Commercial real estate2.4406%65
Percentage Net Loans Charged-off: Multi-family residential0.4266%202
Percentage Net Loans Charged-off: 1-4 family residential0.2368%230
Percentage Net Loans Charged-off: Home equity loans0.0000%393
All other 1-4 family - Percent of loans charged-off, net0.2862%207
Percentage Net Loans Charged-off: Commercial and industrial0.6818%290
Percentage Net Loans Charged-off: Loans to individuals1.9267%126
Percentage Net Loans Charged-off: Credit card loans2.7916%257
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%371
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%53
1993-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.9482%1,347
Percentage Net Loans Charged-off: Total real estate loans0.0978%753
Percentage Net Loans Charged-off:Construction & development0.0000%485
Percentage Net Loans Charged-off: Commercial real estate0.0000%834
Percentage Net Loans Charged-off: Multi-family residential2.0384%102
Percentage Net Loans Charged-off: 1-4 family residential0.0149%949
Percentage Net Loans Charged-off: Home equity loans0.0000%462
All other 1-4 family - Percent of loans charged-off, net0.0183%876
Percentage Net Loans Charged-off: Commercial and industrial1.0885%365
Percentage Net Loans Charged-off: Loans to individuals2.7257%115
Percentage Net Loans Charged-off: Credit card loans4.0333%164
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease-0.0019%1,101
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%93
1992-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.9390%2,259
Percentage Net Loans Charged-off: Total real estate loans0.0476%1,098
Percentage Net Loans Charged-off:Construction & development0.0000%639
Percentage Net Loans Charged-off: Commercial real estate0.0000%967
Percentage Net Loans Charged-off: Multi-family residential0.0000%418
Percentage Net Loans Charged-off: 1-4 family residential0.0609%747
Percentage Net Loans Charged-off: Home equity loans0.0000%487
All other 1-4 family - Percent of loans charged-off, net0.0746%667
Percentage Net Loans Charged-off: Commercial and industrial1.3457%492
Percentage Net Loans Charged-off: Loans to individuals3.0534%132
Percentage Net Loans Charged-off: Credit card loans4.6405%202
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease-0.6816%1,253
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%144