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The Howard Bank, Net charge- offs to loans

2001-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.7566%1,014
Percentage Net Loans Charged-off: Total real estate loans0.0159%3,259
Percentage Net Loans Charged-off:Construction & development0.0000%831
Percentage Net Loans Charged-off: Commercial real estate0.0313%1,230
Percentage Net Loans Charged-off: Multi-family residential0.0000%192
Percentage Net Loans Charged-off: 1-4 family residential-0.0077%8,671
Percentage Net Loans Charged-off: Home equity loans-0.0353%5,982
All other 1-4 family - Percent of loans charged-off, net-0.0010%8,507
Percentage Net Loans Charged-off: Commercial and industrial2.6493%735
Percentage Net Loans Charged-off: Loans to individuals0.2946%5,334
Percentage Net Loans Charged-off: Credit card loans-9.2293%5,556
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,876
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%74
2000-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1455%3,839
Percentage Net Loans Charged-off: Total real estate loans0.0011%943
Percentage Net Loans Charged-off:Construction & development0.0000%266
Percentage Net Loans Charged-off: Commercial real estate-0.0406%1,398
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential0.0760%320
Percentage Net Loans Charged-off: Home equity loans0.0293%314
All other 1-4 family - Percent of loans charged-off, net0.0836%284
Percentage Net Loans Charged-off: Commercial and industrial0.0629%916
Percentage Net Loans Charged-off: Loans to individuals3.1214%107
Percentage Net Loans Charged-off: Credit card loans4.6112%162
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%385
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%23
1999-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3803%1,849
Percentage Net Loans Charged-off: Total real estate loans0.4198%48
Percentage Net Loans Charged-off:Construction & development0.0000%250
Percentage Net Loans Charged-off: Commercial real estate0.5254%47
Percentage Net Loans Charged-off: Multi-family residential1.7418%13
Percentage Net Loans Charged-off: 1-4 family residential0.0418%559
Percentage Net Loans Charged-off: Home equity loans-0.0133%1,296
All other 1-4 family - Percent of loans charged-off, net0.0503%470
Percentage Net Loans Charged-off: Commercial and industrial0.0124%978
Percentage Net Loans Charged-off: Loans to individuals1.8681%201
Percentage Net Loans Charged-off: Credit card loans2.6907%401
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease-0.1938%1,341
Percentage Net Loans Charged-off:Coml. RE not secured by RE-0.0453%475
1998-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0027%9,092
Percentage Net Loans Charged-off: Total real estate loans0.0318%590
Percentage Net Loans Charged-off:Construction & development0.0000%229
Percentage Net Loans Charged-off: Commercial real estate-0.0644%1,286
Percentage Net Loans Charged-off: Multi-family residential-0.0226%1,292
Percentage Net Loans Charged-off: 1-4 family residential0.1923%146
Percentage Net Loans Charged-off: Home equity loans0.2010%148
All other 1-4 family - Percent of loans charged-off, net0.1909%141
Percentage Net Loans Charged-off: Commercial and industrial-0.7196%1,390
Percentage Net Loans Charged-off: Loans to individuals1.9991%211
Percentage Net Loans Charged-off: Credit card loans2.6583%471
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.1196%294
Percentage Net Loans Charged-off:Coml. RE not secured by RE-0.2889%467
1997-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3223%2,565
Percentage Net Loans Charged-off: Total real estate loans0.1574%223
Percentage Net Loans Charged-off:Construction & development0.0000%260
Percentage Net Loans Charged-off: Commercial real estate-0.0372%1,230
Percentage Net Loans Charged-off: Multi-family residential0.0000%192
Percentage Net Loans Charged-off: 1-4 family residential0.4841%50
Percentage Net Loans Charged-off: Home equity loans0.1499%209
All other 1-4 family - Percent of loans charged-off, net0.5511%42
Percentage Net Loans Charged-off: Commercial and industrial0.2459%533
Percentage Net Loans Charged-off: Loans to individuals1.8195%261
Percentage Net Loans Charged-off: Credit card loans2.2835%608
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.8591%84
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.3597%18
1996-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4006%2,224
Percentage Net Loans Charged-off: Total real estate loans0.0318%702
Percentage Net Loans Charged-off:Construction & development0.0000%284
Percentage Net Loans Charged-off: Commercial real estate-0.3092%1,432
Percentage Net Loans Charged-off: Multi-family residential0.0000%233
Percentage Net Loans Charged-off: 1-4 family residential0.5207%67
Percentage Net Loans Charged-off: Home equity loans1.2447%28
All other 1-4 family - Percent of loans charged-off, net0.3614%101
Percentage Net Loans Charged-off: Commercial and industrial0.8957%213
Percentage Net Loans Charged-off: Loans to individuals2.1882%193
Percentage Net Loans Charged-off: Credit card loans2.7254%467
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0066%434
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%34
1995-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2708%3,089
Percentage Net Loans Charged-off: Total real estate loans0.2641%257
Percentage Net Loans Charged-off:Construction & development0.0000%344
Percentage Net Loans Charged-off: Commercial real estate-0.2603%1,434
Percentage Net Loans Charged-off: Multi-family residential0.0000%281
Percentage Net Loans Charged-off: 1-4 family residential0.8781%37
Percentage Net Loans Charged-off: Home equity loans2.7956%13
All other 1-4 family - Percent of loans charged-off, net0.2900%160
Percentage Net Loans Charged-off: Commercial and industrial-0.0341%1,112
Percentage Net Loans Charged-off: Loans to individuals1.0485%355
Percentage Net Loans Charged-off: Credit card loans1.5850%640
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease-0.0275%1,196
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%48
1994-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.7238%1,176
Percentage Net Loans Charged-off: Total real estate loans1.1173%85
Percentage Net Loans Charged-off:Construction & development0.0000%353
Percentage Net Loans Charged-off: Commercial real estate1.9578%89
Percentage Net Loans Charged-off: Multi-family residential0.0000%332
Percentage Net Loans Charged-off: 1-4 family residential0.3701%148
Percentage Net Loans Charged-off: Home equity loans1.0259%27
All other 1-4 family - Percent of loans charged-off, net0.0953%430
Percentage Net Loans Charged-off: Commercial and industrial-0.7620%1,319
Percentage Net Loans Charged-off: Loans to individuals0.9528%321
Percentage Net Loans Charged-off: Credit card loans1.3169%626
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease-0.0182%1,103
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%53
1993-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.7742%1,746
Percentage Net Loans Charged-off: Total real estate loans0.9901%176
Percentage Net Loans Charged-off:Construction & development0.0000%485
Percentage Net Loans Charged-off: Commercial real estate1.6286%199
Percentage Net Loans Charged-off: Multi-family residential0.0000%368
Percentage Net Loans Charged-off: 1-4 family residential0.2788%253
Percentage Net Loans Charged-off: Home equity loans0.0093%445
All other 1-4 family - Percent of loans charged-off, net0.4206%180
Percentage Net Loans Charged-off: Commercial and industrial0.1305%804
Percentage Net Loans Charged-off: Loans to individuals0.9655%416
Percentage Net Loans Charged-off: Credit card loans1.5298%623
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%423
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%93
1992-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.8048%2,714
Percentage Net Loans Charged-off: Total real estate loans0.3486%585
Percentage Net Loans Charged-off:Construction & development0.0000%639
Percentage Net Loans Charged-off: Commercial real estate0.6874%499
Percentage Net Loans Charged-off: Multi-family residential0.0000%418
Percentage Net Loans Charged-off: 1-4 family residential0.0676%714
Percentage Net Loans Charged-off: Home equity loans0.1764%246
All other 1-4 family - Percent of loans charged-off, net0.0267%877
Percentage Net Loans Charged-off: Commercial and industrial2.0691%341
Percentage Net Loans Charged-off: Loans to individuals1.4815%382
Percentage Net Loans Charged-off: Credit card loans2.2375%570
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease1.4219%88
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%144