Home > The Empire National Bank of Traverse City > Net charge- offs to loans
The Empire National Bank of Traverse City, Net charge- offs to loans
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0369% | 6,449 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0315% | 588 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0212% | 1,269 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0801% | 365 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0496% | 292 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0878% | 326 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2424% | 1,400 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3743% | 920 |
| Percentage Net Loans Charged-off: Credit card loans | 0.9781% | 794 |
| 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 | 0.1661% | 3,958 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0206% | 696 |
| Percentage Net Loans Charged-off:Construction & development | -0.0111% | 1,261 |
| 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 | 0.0391% | 551 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0484% | 461 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8632% | 206 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7914% | 620 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4233% | 730 |
| 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 | 0.2973% | 2,790 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1909% | 175 |
| Percentage Net Loans Charged-off:Construction & development | 0.1088% | 146 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4443% | 100 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0387% | 618 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0453% | 531 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3822% | 413 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0464% | 524 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9241% | 683 |
| 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 | 0.5182% | 1,693 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4589% | 105 |
| Percentage Net Loans Charged-off:Construction & development | 0.4133% | 114 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.0623% | 73 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0456% | 573 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0505% | 505 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2585% | 508 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0282% | 509 |
| Percentage Net Loans Charged-off: Credit card loans | 0.9491% | 896 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 444 |
| 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 | 0.1776% | 4,203 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0029% | 1,007 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 615 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0054% | 948 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0059% | 897 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1438% | 1,214 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9646% | 390 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3809% | 700 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 433 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2281% | 3,678 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,087 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 668 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,024 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 974 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1996% | 519 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7347% | 429 |
| 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 | 0.0000% | 371 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1297% | 6,530 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,220 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 834 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,114 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,053 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6189% | 497 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2987% | 982 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,000 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 423 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3076% | 5,953 |
| 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 |