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Valley American Bank and Trust Company, Net charge- offs to loans

1997-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3643%2,237
Percentage Net Loans Charged-off: Total real estate loans0.0184%760
Percentage Net Loans Charged-off:Construction & development0.0000%260
Percentage Net Loans Charged-off: Commercial real estate0.0129%439
Percentage Net Loans Charged-off: Multi-family residential0.0000%192
Percentage Net Loans Charged-off: 1-4 family residential0.0193%772
Percentage Net Loans Charged-off: Home equity loans0.0000%396
All other 1-4 family - Percent of loans charged-off, net0.0218%700
Percentage Net Loans Charged-off: Commercial and industrial0.7694%235
Percentage Net Loans Charged-off: Loans to individuals0.7950%669
Percentage Net Loans Charged-off: Credit card loans4.4160%274
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.1962%217
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1996-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3545%2,535
Percentage Net Loans Charged-off: Total real estate loans0.0270%733
Percentage Net Loans Charged-off:Construction & development0.0000%284
Percentage Net Loans Charged-off: Commercial real estate0.0224%494
Percentage Net Loans Charged-off: Multi-family residential0.0000%233
Percentage Net Loans Charged-off: 1-4 family residential0.0334%636
Percentage Net Loans Charged-off: Home equity loans0.0000%412
All other 1-4 family - Percent of loans charged-off, net0.0374%578
Percentage Net Loans Charged-off: Commercial and industrial0.7930%235
Percentage Net Loans Charged-off: Loans to individuals0.6978%725
Percentage Net Loans Charged-off: Credit card loans3.2880%366
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%444
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1995-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2641%3,145
Percentage Net Loans Charged-off: Total real estate loans0.0308%769
Percentage Net Loans Charged-off:Construction & development0.0000%344
Percentage Net Loans Charged-off: Commercial real estate0.0345%548
Percentage Net Loans Charged-off: Multi-family residential0.0000%281
Percentage Net Loans Charged-off: 1-4 family residential0.0321%657
Percentage Net Loans Charged-off: Home equity loans-0.0856%1,322
All other 1-4 family - Percent of loans charged-off, net0.0441%549
Percentage Net Loans Charged-off: Commercial and industrial0.6343%264
Percentage Net Loans Charged-off: Loans to individuals0.4348%833
Percentage Net Loans Charged-off: Credit card loans2.4166%420
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%433
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1994-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1317%5,090
Percentage Net Loans Charged-off: Total real estate loans0.1776%429
Percentage Net Loans Charged-off:Construction & development0.0000%353
Percentage Net Loans Charged-off: Commercial real estate0.2892%368
Percentage Net Loans Charged-off: Multi-family residential0.0000%332
Percentage Net Loans Charged-off: 1-4 family residential0.1145%391
Percentage Net Loans Charged-off: Home equity loans0.0000%393
All other 1-4 family - Percent of loans charged-off, net0.1260%357
Percentage Net Loans Charged-off: Commercial and industrial0.0296%714
Percentage Net Loans Charged-off: Loans to individuals0.2471%949
Percentage Net Loans Charged-off: Credit card loans1.0303%717
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%371
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1993-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3932%3,389
Percentage Net Loans Charged-off: Total real estate loans0.0374%967
Percentage Net Loans Charged-off:Construction & development0.0000%485
Percentage Net Loans Charged-off: Commercial real estate0.0217%783
Percentage Net Loans Charged-off: Multi-family residential0.0000%368
Percentage Net Loans Charged-off: 1-4 family residential0.0532%673
Percentage Net Loans Charged-off: Home equity loans0.0000%462
All other 1-4 family - Percent of loans charged-off, net0.0586%619
Percentage Net Loans Charged-off: Commercial and industrial1.2124%336
Percentage Net Loans Charged-off: Loans to individuals0.1154%1,184
Percentage Net Loans Charged-off: Credit card loans1.9893%490
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 RENANA
1992-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3115%5,921
Percentage Net Loans Charged-off: Total real estate loans0.1632%809
Percentage Net Loans Charged-off:Construction & development0.0074%631
Percentage Net Loans Charged-off: Commercial real estate1.4558%301
Percentage Net Loans Charged-off: Multi-family residential0.0000%418
Percentage Net Loans Charged-off: 1-4 family residential0.0254%939
Percentage Net Loans Charged-off: Home equity loans0.1009%330
All other 1-4 family - Percent of loans charged-off, net0.0187%937
Percentage Net Loans Charged-off: Commercial and industrial0.4690%810
Percentage Net Loans Charged-off: Loans to individuals0.5008%967
Percentage Net Loans Charged-off: Credit card loans4.1325%249
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%479
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA