Home > HSBC Bank USA > Net charge- offs to loans
HSBC Bank USA, Net charge- offs to loans
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0865% | 3,645 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0372% | 1,946 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0171% | 1,990 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0710% | 319 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0132% | 1,917 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.4146% | 8,113 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1930% | 645 |
| Percentage Net Loans Charged-off: Credit card loans | 4.8950% | 361 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0019% | 7,048 |
| 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 | 0.0615% | 3,479 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0633% | 1,235 |
| 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 | 0.0120% | 1,498 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0693% | 233 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0074% | 1,428 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.6794% | 8,262 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2054% | 751 |
| Percentage Net Loans Charged-off: Credit card loans | 4.7166% | 411 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0034% | 7,124 |
| 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 | 0.3479% | 2,173 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0043% | 3,877 |
| 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 | 0.0050% | 3,319 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0288% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0025% | 3,223 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7883% | 2,011 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1749% | 731 |
| Percentage Net Loans Charged-off: Credit card loans | 4.5364% | 490 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2899% | 1,201 |
| 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 | 0.3156% | 2,040 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0048% | 3,271 |
| 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 | 0.0053% | 2,788 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0391% | 422 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0017% | 2,746 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6620% | 1,893 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2020% | 668 |
| Percentage Net Loans Charged-off: Credit card loans | 4.6179% | 480 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0037% | 7,226 |
| 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 | 0.3275% | 1,893 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0093% | 2,656 |
| 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 | 0.0062% | 2,310 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0486% | 344 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0015% | 2,273 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6849% | 1,662 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1868% | 702 |
| Percentage Net Loans Charged-off: Credit card loans | 4.5222% | 507 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0036% | 7,264 |
| 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 | 0.4636% | 1,193 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0016% | 2,038 |
| 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 | 0.0019% | 1,635 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0536% | 236 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0036% | 8,350 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2218% | 896 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2924% | 740 |
| Percentage Net Loans Charged-off: Credit card loans | 4.6875% | 481 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0016% | 992 |
| 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 | 0.4884% | 1,701 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0064% | 8,301 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,573 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0086% | 8,453 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0837% | 445 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0174% | 8,597 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2138% | 1,625 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4384% | 652 |
| Percentage Net Loans Charged-off: Credit card loans | 4.8596% | 524 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0097% | 1,928 |
| 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 | 0.5728% | 1,400 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0103% | 3,486 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0141% | 2,853 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1151% | 394 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0053% | 2,958 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3020% | 1,465 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4315% | 592 |
| Percentage Net Loans Charged-off: Credit card loans | 4.8694% | 468 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1518% | 1,434 |
| 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 | 0.6158% | 1,020 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0186% | 660 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0357% | 1,386 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0003% | 1,330 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0305% | 551 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0358% | 305 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0300% | 518 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4786% | 161 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.3912% | 146 |
| Percentage Net Loans Charged-off: Credit card loans | 4.8863% | 149 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0050% | 1,277 |
| 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 | 0.3978% | 1,773 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0800% | 320 |
| 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 | 0.1093% | 271 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1444% | 180 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1061% | 268 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1626% | 721 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.1912% | 109 |
| Percentage Net Loans Charged-off: Credit card loans | 5.8694% | 112 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0123% | 1,271 |
| 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 | 0.5033% | 1,456 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0779% | 355 |
| 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 | 0.0966% | 299 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1275% | 199 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0937% | 278 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0875% | 789 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.5345% | 110 |
| Percentage Net Loans Charged-off: Credit card loans | 6.1065% | 114 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0253% | 1,256 |
| 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 | 0.6849% | 1,008 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0619% | 463 |
| 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 | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0784% | 398 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0631% | 308 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0801% | 371 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0662% | 1,232 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.2358% | 92 |
| Percentage Net Loans Charged-off: Credit card loans | 6.8317% | 99 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0139% | 1,187 |
| 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 | 0.9037% | 824 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0375% | 665 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0117% | 1,197 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0613% | 503 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0741% | 295 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0579% | 481 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6971% | 260 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.8211% | 139 |
| Percentage Net Loans Charged-off: Credit card loans | 4.6128% | 233 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0271% | 1,224 |
| 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 | 1.4409% | 395 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.2005% | 1,519 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | -1.1404% | 1,503 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0691% | 458 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0441% | 314 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0773% | 413 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.1364% | 47 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5916% | 199 |
| Percentage Net Loans Charged-off: Credit card loans | 2.8003% | 356 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0930% | 1,245 |
| 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 | 0.3059% | 2,953 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1793% | 1,457 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | -1.2434% | 1,463 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.2951% | 1,375 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1366% | 328 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0590% | 280 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1619% | 291 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1630% | 1,167 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5927% | 155 |
| Percentage Net Loans Charged-off: Credit card loans | 2.9542% | 237 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0035% | 1,072 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 53 |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6865% | 2,006 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2922% | 452 |
| Percentage Net Loans Charged-off:Construction & development | 0.4039% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3088% | 506 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0598% | 1,366 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2659% | 264 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1113% | 272 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3156% | 232 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7209% | 462 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4754% | 268 |
| Percentage Net Loans Charged-off: Credit card loans | 3.0169% | 295 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1365% | 306 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 93 |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2236% | 1,587 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3265% | 607 |
| Percentage Net Loans Charged-off:Construction & development | 0.3846% | 486 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5929% | 531 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5410% | 292 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1932% | 419 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4518% | 116 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1027% | 580 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.3239% | 296 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2805% | 448 |
| Percentage Net Loans Charged-off: Credit card loans | 3.3819% | 361 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5369% | 193 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 144 |