Home > The Howard Bank > Net charge- offs to loans
The Howard Bank, Net charge- offs to loans
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7566% | 1,014 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0159% | 3,259 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0313% | 1,230 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 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 industrial | 2.6493% | 735 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2946% | 5,334 |
| Percentage Net Loans Charged-off: Credit card loans | -9.2293% | 5,556 |
| 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 | 0.0000% | 74 |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1455% | 3,839 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0011% | 943 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0406% | 1,398 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0760% | 320 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0293% | 314 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0836% | 284 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0629% | 916 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.1214% | 107 |
| Percentage Net Loans Charged-off: Credit card loans | 4.6112% | 162 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 385 |
| 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 | 0.3803% | 1,849 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4198% | 48 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5254% | 47 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.7418% | 13 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0418% | 559 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0133% | 1,296 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0503% | 470 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0124% | 978 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8681% | 201 |
| Percentage Net Loans Charged-off: Credit card loans | 2.6907% | 401 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| 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 |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0027% | 9,092 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0318% | 590 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 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 residential | 0.1923% | 146 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2010% | 148 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1909% | 141 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.7196% | 1,390 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9991% | 211 |
| Percentage Net Loans Charged-off: Credit card loans | 2.6583% | 471 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1196% | 294 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.2889% | 467 |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3223% | 2,565 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1574% | 223 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0372% | 1,230 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4841% | 50 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1499% | 209 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5511% | 42 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2459% | 533 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8195% | 261 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2835% | 608 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.8591% | 84 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.3597% | 18 |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4006% | 2,224 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0318% | 702 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.3092% | 1,432 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5207% | 67 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2447% | 28 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3614% | 101 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8957% | 213 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1882% | 193 |
| Percentage Net Loans Charged-off: Credit card loans | 2.7254% | 467 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0066% | 434 |
| 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 | 0.2708% | 3,089 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2641% | 257 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2603% | 1,434 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8781% | 37 |
| Percentage Net Loans Charged-off: Home equity loans | 2.7956% | 13 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2900% | 160 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0341% | 1,112 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0485% | 355 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5850% | 640 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0275% | 1,196 |
| 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 | 0.7238% | 1,176 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1173% | 85 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.9578% | 89 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3701% | 148 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0259% | 27 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0953% | 430 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.7620% | 1,319 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9528% | 321 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3169% | 626 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0182% | 1,103 |
| 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 | 0.7742% | 1,746 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9901% | 176 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.6286% | 199 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2788% | 253 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0093% | 445 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4206% | 180 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1305% | 804 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9655% | 416 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5298% | 623 |
| 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 | 0.0000% | 93 |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8048% | 2,714 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3486% | 585 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 639 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6874% | 499 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 418 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0676% | 714 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1764% | 246 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0267% | 877 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0691% | 341 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4815% | 382 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2375% | 570 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.4219% | 88 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 144 |