PonceBank, Loan Charge- Offs and Recoveries
| 1997-12-31 (YTD Data) | Rank | |
| Total charge-offs | $13,057,000 | 194 |
| Loans secured by real estate, total | $7,000 | 3,959 |
| To non-U.S. addressees | $0 | 11 |
| Real estate loans in domestic offices | $7,000 | 3,958 |
| Construction and land development | $0 | 676 |
| Secured by farmland | $0 | 358 |
| Total charge-offs secured by 1-4 family residential properties | $7,000 | 3,151 |
| Secured by multifamily residential properties | $0 | 405 |
| Secured by nonfarm nonresidential properties | $0 | 1,725 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 18 |
| To foreign banks | $0 | 10 |
| Loans to finance agricultural production and other loans to farmers | $0 | 200 |
| Commercial and industrial loans | $46,000 | 3,556 |
| Loans to individuals | $12,945,000 | 137 |
| Credit card loan charge offs | $1,042,000 | 249 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $11,903,000 | 68 |
| Loans to foreign governments and official institutions | $0 | 7 |
| Other loans | $59,000 | 156 |
| Lease financing receivables | $0 | 317 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $1,382,000 | 334 |
| Loans secured by real estate, total | $27,000 | 1,573 |
| To non-U.S. addressees | $0 | 12 |
| Real estate loans in domestic offices | $27,000 | 1,573 |
| Construction and land development | $0 | 513 |
| Secured by farmland | $0 | 504 |
| Secured by 1-4 family residential properties - total recoveries | $27,000 | 923 |
| Secured by multifamily residential properties | $0 | 333 |
| Secured by nonfarm nonresidential properties | $0 | 1,668 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 28 |
| To foreign banks | $0 | 18 |
| Loans to finance agricultural production and other loans to farmers | $0 | 218 |
| Commercial and industrial loans | $169,000 | 608 |
| Loans to individuals | $1,186,000 | 221 |
| Credit card loan recoveries | $4,000 | 1,284 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $1,182,000 | 148 |
| Loans to foreign governments and official institutions | $0 | 27 |
| Other loans | $0 | 271 |
| Lease financing receivables | $0 | 286 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $11,675,000 | 171 |
| Loans secured by real estate, total | $-20,000 | 10,201 |
| To non-U.S. addressees | $0 | 10 |
| Real estate loans in domestic offices | $-20,000 | 10,222 |
| Construction and land development | $0 | 590 |
| Secured by farmland | $0 | 284 |
| Secured by 1-4 family residential properties- net charge-offs | $-20,000 | 10,561 |
| Secured by multifamily residential properties | $0 | 354 |
| Secured by nonfarm nonresidential properties | $0 | 1,405 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 16 |
| To foreign banks | $0 | 8 |
| Loans to finance agricultural production and other loans to farmers | $0 | 139 |
| Commercial and industrial loans | $-123,000 | 10,725 |
| To non-U.S. addressees | $0 | 21 |
| Loans to individuals | $11,759,000 | 125 |
| Credit card loan net charge offs | $1,038,000 | 239 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $10,721,000 | 54 |
| Loans to foreign governments and official institutions | $0 | 7 |
| Other loans | $59,000 | 122 |
| Lease financing receivables | $0 | 291 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1996-12-31 (YTD Data) | Rank | |
| Total charge-offs | $5,866,000 | 372 |
| Loans secured by real estate, total | $50,000 | 2,197 |
| To non-U.S. addressees | $0 | 10 |
| Real estate loans in domestic offices | $50,000 | 2,197 |
| Construction and land development | $0 | 737 |
| Secured by farmland | $0 | 391 |
| Total charge-offs secured by 1-4 family residential properties | $50,000 | 1,481 |
| Secured by multifamily residential properties | $0 | 460 |
| Secured by nonfarm nonresidential properties | $0 | 1,929 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 23 |
| To foreign banks | $0 | 12 |
| Loans to finance agricultural production and other loans to farmers | $0 | 223 |
| Commercial and industrial loans | $805,000 | 434 |
| Loans to individuals | $4,975,000 | 259 |
| Credit card loan charge offs | $216,000 | 514 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $4,759,000 | 142 |
| Loans to foreign governments and official institutions | $0 | 11 |
| Other loans | $36,000 | 211 |
| Lease financing receivables | $0 | 355 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $1,277,000 | 420 |
| Loans secured by real estate, total | $33,000 | 1,564 |
| To non-U.S. addressees | $0 | 8 |
| Real estate loans in domestic offices | $33,000 | 1,564 |
| Construction and land development | $0 | 613 |
| Secured by farmland | $0 | 587 |
| Secured by 1-4 family residential properties - total recoveries | $0 | 3,594 |
| Secured by multifamily residential properties | $0 | 399 |
| Secured by nonfarm nonresidential properties | $33,000 | 795 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 32 |
| To foreign banks | $0 | 18 |
| Loans to finance agricultural production and other loans to farmers | $0 | 231 |
| Commercial and industrial loans | $384,000 | 373 |
| Loans to individuals | $860,000 | 305 |
| Credit card loan recoveries | $0 | 2,751 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $860,000 | 212 |
| Loans to foreign governments and official institutions | $0 | 32 |
| Other loans | $0 | 331 |
| Lease financing receivables | $0 | 294 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $4,589,000 | 354 |
| Loans secured by real estate, total | $17,000 | 2,687 |
| To non-U.S. addressees | $0 | 7 |
| Real estate loans in domestic offices | $17,000 | 2,686 |
| Construction and land development | $0 | 634 |
| Secured by farmland | $0 | 311 |
| Secured by 1-4 family residential properties- net charge-offs | $50,000 | 1,244 |
| Secured by multifamily residential properties | $0 | 413 |
| Secured by nonfarm nonresidential properties | $-33,000 | 11,044 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 20 |
| To foreign banks | $0 | 10 |
| Loans to finance agricultural production and other loans to farmers | $0 | 178 |
| Commercial and industrial loans | $421,000 | 559 |
| To non-U.S. addressees | $0 | 22 |
| Loans to individuals | $4,115,000 | 245 |
| Credit card loan net charge offs | $216,000 | 484 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $3,899,000 | 134 |
| Loans to foreign governments and official institutions | $0 | 5 |
| Other loans | $36,000 | 170 |
| Lease financing receivables | $0 | 316 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1995-12-31 (YTD Data) | Rank | |
| Total charge-offs | $5,751,000 | 375 |
| Loans secured by real estate, total | $2,350,000 | 263 |
| To non-U.S. addressees | $0 | 15 |
| Real estate loans in domestic offices | $2,350,000 | 262 |
| Construction and land development | $2,100,000 | 33 |
| Secured by farmland | $0 | 381 |
| Total charge-offs secured by 1-4 family residential properties | $62,000 | 1,410 |
| Secured by multifamily residential properties | $0 | 559 |
| Secured by nonfarm nonresidential properties | $188,000 | 666 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 23 |
| To foreign banks | $0 | 20 |
| Loans to finance agricultural production and other loans to farmers | $0 | 186 |
| Commercial and industrial loans | $799,000 | 432 |
| Loans to individuals | $2,516,000 | 342 |
| Credit card loan charge offs | $0 | 4,035 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $2,516,000 | 206 |
| Loans to foreign governments and official institutions | $0 | 15 |
| Other loans | $86,000 | 162 |
| Lease financing receivables | $0 | 341 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $2,038,000 | 329 |
| Loans secured by real estate, total | $319,000 | 394 |
| To non-U.S. addressees | $0 | 13 |
| Real estate loans in domestic offices | $319,000 | 393 |
| Construction and land development | $100,000 | 166 |
| Secured by farmland | $0 | 623 |
| Secured by 1-4 family residential properties - total recoveries | $50,000 | 661 |
| Secured by multifamily residential properties | $0 | 496 |
| Secured by nonfarm nonresidential properties | $169,000 | 366 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 32 |
| To foreign banks | $0 | 20 |
| Loans to finance agricultural production and other loans to farmers | $0 | 227 |
| Commercial and industrial loans | $229,000 | 584 |
| Loans to individuals | $1,490,000 | 228 |
| Credit card loan recoveries | $0 | 2,795 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $1,490,000 | 146 |
| Loans to foreign governments and official institutions | $0 | 30 |
| Other loans | $0 | 383 |
| Lease financing receivables | $0 | 322 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $3,713,000 | 386 |
| Loans secured by real estate, total | $2,031,000 | 230 |
| To non-U.S. addressees | $0 | 12 |
| Real estate loans in domestic offices | $2,031,000 | 229 |
| Construction and land development | $2,000,000 | 29 |
| Secured by farmland | $0 | 306 |
| Secured by 1-4 family residential properties- net charge-offs | $12,000 | 2,435 |
| Secured by multifamily residential properties | $0 | 498 |
| Secured by nonfarm nonresidential properties | $19,000 | 1,301 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 19 |
| To foreign banks | $0 | 18 |
| Loans to finance agricultural production and other loans to farmers | $0 | 130 |
| Commercial and industrial loans | $570,000 | 379 |
| To non-U.S. addressees | $0 | 22 |
| Loans to individuals | $1,026,000 | 438 |
| Credit card loan net charge offs | $0 | 3,773 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $1,026,000 | 280 |
| Loans to foreign governments and official institutions | $0 | 11 |
| Other loans | $86,000 | 119 |
| Lease financing receivables | $0 | 281 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1994-12-31 (YTD Data) | Rank | |
| Total charge-offs | $14,890,000 | 197 |
| Loans secured by real estate, total | $4,764,000 | 186 |
| To non-U.S. addressees | $0 | 13 |
| Real estate loans in domestic offices | $4,764,000 | 186 |
| Construction and land development | $4,310,000 | 39 |
| Secured by farmland | $0 | 491 |
| Total charge-offs secured by 1-4 family residential properties | $12,000 | 3,234 |
| Secured by multifamily residential properties | $0 | 659 |
| Secured by nonfarm nonresidential properties | $442,000 | 466 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 18 |
| To foreign banks | $0 | 13 |
| Loans to finance agricultural production and other loans to farmers | $0 | 188 |
| Commercial and industrial loans | $8,563,000 | 71 |
| Loans to individuals | $1,552,000 | 389 |
| Credit card loan charge offs | $0 | 4,000 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $1,552,000 | 246 |
| Loans to foreign governments and official institutions | $0 | 15 |
| Other loans | $0 | 345 |
| Lease financing receivables | $11,000 | 235 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $1,905,000 | 368 |
| Loans secured by real estate, total | $18,000 | 2,560 |
| To non-U.S. addressees | $0 | 12 |
| Real estate loans in domestic offices | $18,000 | 2,560 |
| Construction and land development | $0 | 797 |
| Secured by farmland | $0 | 744 |
| Secured by 1-4 family residential properties - total recoveries | $0 | 4,282 |
| Secured by multifamily residential properties | $0 | 504 |
| Secured by nonfarm nonresidential properties | $18,000 | 1,220 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 33 |
| To foreign banks | $0 | 21 |
| Loans to finance agricultural production and other loans to farmers | $0 | 235 |
| Commercial and industrial loans | $818,000 | 284 |
| Loans to individuals | $1,069,000 | 273 |
| Credit card loan recoveries | $0 | 2,801 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $1,069,000 | 190 |
| Loans to foreign governments and official institutions | $0 | 34 |
| Other loans | $0 | 356 |
| Lease financing receivables | $0 | 351 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $12,985,000 | 154 |
| Loans secured by real estate, total | $4,746,000 | 151 |
| To non-U.S. addressees | $0 | 9 |
| Real estate loans in domestic offices | $4,746,000 | 150 |
| Construction and land development | $4,310,000 | 26 |
| Secured by farmland | $0 | 385 |
| Secured by 1-4 family residential properties- net charge-offs | $12,000 | 2,674 |
| Secured by multifamily residential properties | $0 | 608 |
| Secured by nonfarm nonresidential properties | $424,000 | 399 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 14 |
| To foreign banks | $0 | 11 |
| Loans to finance agricultural production and other loans to farmers | $0 | 130 |
| Commercial and industrial loans | $7,745,000 | 37 |
| To non-U.S. addressees | $0 | 26 |
| Loans to individuals | $483,000 | 585 |
| Credit card loan net charge offs | $0 | 3,705 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $483,000 | 377 |
| Loans to foreign governments and official institutions | $0 | 9 |
| Other loans | $0 | 276 |
| Lease financing receivables | $11,000 | 173 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1993-12-31 (YTD Data) | Rank | |
| Total charge-offs | $11,426,000 | 301 |
| Loans secured by real estate, total | $727,000 | 832 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $727,000 | 830 |
| Construction and land development | $508,000 | 288 |
| Secured by farmland | NA | NA |
| Total charge-offs secured by 1-4 family residential properties | $31,000 | 2,636 |
| Secured by multifamily residential properties | $0 | 764 |
| Secured by nonfarm nonresidential properties | $188,000 | 958 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $8,123,000 | 120 |
| Loans to individuals | $2,576,000 | 317 |
| Credit card loan charge offs | $8,000 | 2,323 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $2,568,000 | 185 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $1,485,000 | 431 |
| Loans secured by real estate, total | $0 | 6,091 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $0 | 6,082 |
| Construction and land development | $0 | 926 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties - total recoveries | $0 | 4,624 |
| Secured by multifamily residential properties | $0 | 535 |
| Secured by nonfarm nonresidential properties | $0 | 2,606 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $308,000 | 590 |
| Loans to individuals | $1,177,000 | 253 |
| Credit card loan recoveries | $864,000 | 116 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $313,000 | 451 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $9,941,000 | 266 |
| Loans secured by real estate, total | $727,000 | 733 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $727,000 | 731 |
| Construction and land development | $508,000 | 254 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties- net charge-offs | $31,000 | 2,250 |
| Secured by multifamily residential properties | $0 | 715 |
| Secured by nonfarm nonresidential properties | $188,000 | 845 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $7,815,000 | 88 |
| To non-U.S. addressees | NA | NA |
| Loans to individuals | $1,399,000 | 349 |
| Credit card loan net charge offs | $-856,000 | 13,285 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $2,255,000 | 125 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1992-12-31 (YTD Data) | Rank | |
| Total charge-offs | $6,200,000 | 520 |
| Loans secured by real estate, total | $265,000 | 1,850 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $265,000 | 1,850 |
| Construction and land development | $0 | 1,669 |
| Secured by farmland | NA | NA |
| Total charge-offs secured by 1-4 family residential properties | $0 | 6,523 |
| Secured by multifamily residential properties | $0 | 893 |
| Secured by nonfarm nonresidential properties | $265,000 | 1,062 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $2,248,000 | 426 |
| Loans to individuals | $3,687,000 | 299 |
| Credit card loan charge offs | $396,000 | 466 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $3,291,000 | 195 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $773,000 | 680 |
| Loans secured by real estate, total | $0 | 6,234 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $0 | 6,207 |
| Construction and land development | $0 | 1,048 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties - total recoveries | $0 | 4,685 |
| Secured by multifamily residential properties | $0 | 476 |
| Secured by nonfarm nonresidential properties | $0 | 2,509 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $52,000 | 2,710 |
| Loans to individuals | $721,000 | 356 |
| Credit card loan recoveries | $176,000 | 296 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $545,000 | 328 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $5,427,000 | 502 |
| Loans secured by real estate, total | $265,000 | 1,668 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $265,000 | 1,668 |
| Construction and land development | $0 | 1,547 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties- net charge-offs | $0 | 5,775 |
| Secured by multifamily residential properties | $0 | 849 |
| Secured by nonfarm nonresidential properties | $265,000 | 989 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $2,196,000 | 369 |
| To non-U.S. addressees | NA | NA |
| Loans to individuals | $2,966,000 | 281 |
| Credit card loan net charge offs | $220,000 | 553 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $2,746,000 | 153 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.