Home > National Bank of Commerce of Birmingham > Net charge- offs to loans
National Bank of Commerce of Birmingham, Net charge- offs to loans
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0663% | 4,886 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0092% | 8,069 |
| Percentage Net Loans Charged-off:Construction & development | -0.0011% | 7,810 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,548 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0245% | 8,294 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0152% | 606 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0555% | 8,452 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8043% | 824 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0856% | 6,111 |
| 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 | -0.7172% | 7,725 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1193% | 3,354 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0008% | 7,666 |
| Percentage Net Loans Charged-off:Construction & development | -0.0015% | 7,818 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,213 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0011% | 7,830 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0210% | 492 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0178% | 8,175 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5017% | 497 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0251% | 7,811 |
| 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 | -0.9342% | 7,752 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1824% | 2,396 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0009% | 2,777 |
| Percentage Net Loans Charged-off:Construction & development | -0.0012% | 7,800 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0154% | 6,314 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0052% | 2,205 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0321% | 379 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0153% | 8,184 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.6108% | 296 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0196% | 5,573 |
| 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 | -1.4043% | 7,779 |
| 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 | 0.3861% | 1,157 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0057% | 7,998 |
| Percentage Net Loans Charged-off:Construction & development | -0.0024% | 7,785 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0151% | 6,263 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0125% | 8,223 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0219% | 8,322 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.8023% | 286 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0933% | 4,423 |
| 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 | -0.3476% | 7,567 |
| 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 | 0.2090% | 3,298 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0231% | 3,197 |
| Percentage Net Loans Charged-off:Construction & development | -0.0052% | 7,943 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0171% | 8,472 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0161% | 6,481 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0822% | 1,922 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0420% | 516 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1084% | 1,674 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1225% | 848 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2136% | 8,678 |
| 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 | -0.7092% | 7,872 |
| 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 | -0.1161% | 8,865 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0332% | 2,438 |
| Percentage Net Loans Charged-off:Construction & development | -0.0073% | 7,942 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0233% | 8,555 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0165% | 6,466 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1142% | 1,359 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0578% | 387 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1495% | 1,161 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0138% | 7,465 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2356% | 8,661 |
| 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 | -0.8275% | 7,906 |
| 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 | -0.1352% | 8,856 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0608% | 1,721 |
| Percentage Net Loans Charged-off:Construction & development | -0.0120% | 7,934 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0163% | 8,532 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0084% | 6,409 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1769% | 935 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0902% | 292 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2280% | 778 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0205% | 7,438 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2612% | 8,595 |
| 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 | -1.0379% | 7,918 |
| 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 | -0.2300% | 8,932 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0874% | 1,140 |
| Percentage Net Loans Charged-off:Construction & development | -0.0037% | 7,882 |
| 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 | 0.2250% | 643 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0583% | 234 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3239% | 507 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0192% | 7,321 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4330% | 8,609 |
| 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 | -1.6956% | 7,939 |
| 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 | 0.3788% | 2,219 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0568% | 2,420 |
| Percentage Net Loans Charged-off:Construction & development | -0.0973% | 8,138 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0016% | 8,489 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0317% | 6,550 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2011% | 1,059 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0357% | 526 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2907% | 763 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0034% | 7,712 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1393% | 6,368 |
| 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 | 1.9628% | 423 |
| 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 | 0.0934% | 5,231 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0110% | 3,454 |
| Percentage Net Loans Charged-off:Construction & development | 0.0464% | 689 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0046% | 8,728 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1623% | 6,657 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0376% | 2,323 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0930% | 433 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0131% | 2,725 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4626% | 2,769 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2912% | 5,359 |
| 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 | -0.0099% | 8,874 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0142% | 1,395 |
| Percentage Net Loans Charged-off:Construction & development | 0.0297% | 209 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0474% | 1,413 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0963% | 1,393 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0075% | 786 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0107% | 702 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0457% | 1,355 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0216% | 1,336 |
| 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 | 0.0439% | 332 |
| 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 | -0.0386% | 9,467 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0571% | 1,452 |
| Percentage Net Loans Charged-off:Construction & development | -0.2149% | 1,420 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0943% | 1,385 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1629% | 1,383 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0582% | 446 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0070% | 354 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0822% | 346 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0339% | 1,292 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1295% | 1,234 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2932% | 487 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 415 |
| 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 | -0.1816% | 10,139 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0788% | 1,419 |
| Percentage Net Loans Charged-off:Construction & development | 0.0683% | 154 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1692% | 1,360 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.5487% | 1,359 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 939 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 883 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.5325% | 1,379 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3705% | 965 |
| Percentage Net Loans Charged-off: Credit card loans | 0.7809% | 864 |
| 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 | -0.1435% | 10,497 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0576% | 477 |
| Percentage Net Loans Charged-off:Construction & development | 0.6372% | 60 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0449% | 358 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.5863% | 1,366 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0164% | 1,357 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0229% | 1,374 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.6879% | 1,372 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1621% | 1,183 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 985 |
| 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 | -0.1966% | 11,061 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0370% | 1,400 |
| Percentage Net Loans Charged-off:Construction & development | -0.0415% | 1,327 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0292% | 1,246 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1241% | 1,375 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0301% | 1,460 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0387% | 1,465 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.4507% | 1,385 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1110% | 1,509 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,056 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.8540% | 1,322 |
| 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 | -0.0586% | 10,817 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0654% | 1,455 |
| Percentage Net Loans Charged-off:Construction & development | -0.0694% | 1,350 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1200% | 1,372 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1687% | 1,379 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0232% | 734 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0312% | 631 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0659% | 690 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.8823% | 1,550 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,020 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0607% | 1,226 |
| 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 | 0.9515% | 799 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0640% | 682 |
| Percentage Net Loans Charged-off:Construction & development | -0.0799% | 1,279 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1951% | 420 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.2357% | 1,366 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0136% | 1,358 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0166% | 1,362 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.2053% | 71 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.7455% | 1,484 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 989 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.2342% | 1,222 |
| 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 | -0.2972% | 12,741 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2919% | 454 |
| Percentage Net Loans Charged-off:Construction & development | -0.2007% | 1,378 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3775% | 481 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4704% | 160 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5420% | 148 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.2405% | 1,389 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.5472% | 1,522 |
| 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 | 0.6970% | 122 |
| 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 | 1.0503% | 1,967 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2918% | 642 |
| Percentage Net Loans Charged-off:Construction & development | -0.3228% | 1,473 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6448% | 514 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 418 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3370% | 253 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3705% | 246 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.4949% | 278 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6703% | 806 |
| 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 | -1.9461% | 1,272 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 144 |