Home > Heritage Bank > Net charge- offs to loans
Heritage Bank, Net charge- offs to loans
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.8395% | 176 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0588% | 116 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1541% | 219 |
| Percentage Net Loans Charged-off: Multi-family residential | 5.8235% | 27 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6437% | 272 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4355% | 162 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7585% | 229 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.6664% | 344 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.8349% | 247 |
| Percentage Net Loans Charged-off: Credit card loans | 419.9029% | 6 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.3672% | 314 |
| 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 | 1.4926% | 231 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4348% | 56 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.5251% | 136 |
| Percentage Net Loans Charged-off: Multi-family residential | 7.6370% | 20 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8799% | 168 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6161% | 115 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0179% | 139 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2882% | 923 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.8756% | 167 |
| Percentage Net Loans Charged-off: Credit card loans | 524.2273% | 3 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 3.8094% | 196 |
| 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 | 1.1734% | 341 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0405% | 113 |
| Percentage Net Loans Charged-off:Construction & development | -0.0078% | 7,827 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2247% | 471 |
| Percentage Net Loans Charged-off: Multi-family residential | 9.6927% | 17 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8898% | 177 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7905% | 89 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9398% | 171 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0825% | 974 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.9401% | 173 |
| Percentage Net Loans Charged-off: Credit card loans | 410.5263% | 5 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 6.3688% | 123 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1113% | 392 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4246% | 80 |
| Percentage Net Loans Charged-off:Construction & development | -0.0155% | 7,832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4521% | 225 |
| Percentage Net Loans Charged-off: Multi-family residential | 17.9379% | 7 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4760% | 324 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1711% | 57 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1429% | 772 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3526% | 1,354 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2752% | 1,455 |
| 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 | 43.8356% | 20 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.3468% | 161 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.8097% | 61 |
| Percentage Net Loans Charged-off:Construction & development | 5.2810% | 60 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.6431% | 152 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.8304% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7690% | 249 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2399% | 267 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9404% | 201 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.5240% | 492 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.3787% | 227 |
| Percentage Net Loans Charged-off: Credit card loans | 5.0505% | 413 |
| 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 | 2.2872% | 160 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5650% | 60 |
| Percentage Net Loans Charged-off:Construction & development | 5.3424% | 54 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.4429% | 155 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0939% | 96 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7212% | 234 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1540% | 284 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8901% | 200 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.9518% | 357 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.8469% | 207 |
| Percentage Net Loans Charged-off: Credit card loans | 8.0000% | 174 |
| 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 | 1.7172% | 242 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7872% | 184 |
| Percentage Net Loans Charged-off:Construction & development | 2.1255% | 84 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5965% | 307 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1349% | 65 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6515% | 270 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2351% | 195 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7647% | 239 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.1344% | 338 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.6473% | 317 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,566 |
| 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 | 1.7204% | 264 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2144% | 106 |
| Percentage Net Loans Charged-off:Construction & development | 3.7630% | 52 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7109% | 210 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.2566% | 31 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9784% | 156 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4697% | 99 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1142% | 144 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.1098% | 405 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2504% | 756 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,250 |
| 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 | 1.5870% | 361 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0155% | 176 |
| Percentage Net Loans Charged-off:Construction & development | 2.4266% | 125 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5932% | 443 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9056% | 195 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4046% | 185 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0124% | 163 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.9272% | 711 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.0090% | 459 |
| Percentage Net Loans Charged-off: Credit card loans | 9.7252% | 151 |
| 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 | 0.5410% | 1,498 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3037% | 658 |
| Percentage Net Loans Charged-off:Construction & development | 0.0790% | 618 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1812% | 767 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6048% | 308 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2205% | 99 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5053% | 366 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0083% | 1,788 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5559% | 1,210 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5906% | 1,440 |
| 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 | 0.4098% | 1,618 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 977 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 426 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 864 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1177% | 212 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0196% | 176 |
| Percentage Net Loans Charged-off: Credit card loans | 3.8306% | 216 |
| 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 |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1006% | 4,804 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| 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 | 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 | 0.1489% | 4,219 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| 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 | NA | NA |
| 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 | 0.0138% | 7,962 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| 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 | NA | NA |
| 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 | 0.0000% | 8,805 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| 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 | 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 | 0.0000% | 8,856 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| 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 | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |