Home > Waypoint Bank > Net charge- offs to loans
Waypoint Bank, Net charge- offs to loans
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1465% | 3,429 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0533% | 2,252 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,548 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1059% | 1,538 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0972% | 415 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1086% | 1,498 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0567% | 7,535 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7038% | 2,977 |
| 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 | 0.0000% | 1,643 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1227% | 3,295 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0438% | 2,088 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,213 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0862% | 1,481 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0013% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1110% | 1,259 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0976% | 7,578 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6377% | 2,875 |
| 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 | 0.0000% | 1,414 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1350% | 2,908 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0560% | 1,690 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1093% | 1,180 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1399% | 969 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0121% | 6,910 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5914% | 2,912 |
| 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 | 0.0000% | 1,207 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1679% | 2,177 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0579% | 1,269 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1107% | 922 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1398% | 786 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0368% | 2,031 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7437% | 2,306 |
| 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 | 0.0000% | 887 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2706% | 2,725 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0483% | 2,574 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0204% | 8,496 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0943% | 1,810 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0024% | 631 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1132% | 1,643 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6719% | 2,230 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8749% | 2,728 |
| 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 | 0.0000% | 1,856 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2588% | 2,448 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0547% | 2,081 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0280% | 8,579 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1067% | 1,407 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0032% | 510 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1269% | 1,273 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5342% | 2,135 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9101% | 2,392 |
| 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 | 0.0000% | 1,617 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2625% | 2,274 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0615% | 1,718 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0432% | 8,653 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1224% | 1,155 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1452% | 1,044 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4995% | 1,953 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9450% | 2,195 |
| 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 | 0.0000% | 1,407 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3386% | 1,604 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0773% | 1,219 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0873% | 8,789 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1676% | 784 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1977% | 711 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8735% | 1,114 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9931% | 1,981 |
| 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 | 0.0000% | 993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2623% | 3,061 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0662% | 2,267 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,573 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0933% | 1,755 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0171% | 571 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1025% | 1,633 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5902% | 2,632 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8242% | 2,906 |
| 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 | 0.0000% | 1,956 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2349% | 3,245 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0565% | 2,273 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0051% | 8,735 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0733% | 1,811 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1813% | 324 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0656% | 1,819 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5133% | 2,655 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8612% | 2,682 |
| 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 | 0.0000% | 1,876 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2024% | 3,129 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0611% | 372 |
| Percentage Net Loans Charged-off:Construction & development | 0.0061% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0204% | 339 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0749% | 328 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0798% | 293 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8886% | 280 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4941% | 790 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 977 |
| 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 | NA | NA |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0836% | 5,195 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0401% | 511 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0345% | 1,310 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0582% | 447 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0610% | 411 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0495% | 888 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3244% | 981 |
| 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 | 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 | 0.1172% | 4,765 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1232% | 238 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4656% | 82 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4879% | 46 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0763% | 365 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0804% | 324 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1137% | 744 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0885% | 1,236 |
| 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 | 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 | 0.0361% | 7,171 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0439% | 554 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 477 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.1805% | 36 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0144% | 815 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0054% | 391 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0150% | 759 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 888 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0195% | 1,435 |
| Percentage Net Loans Charged-off: Credit card loans | -359.3750% | 1,311 |
| 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 | 0.1007% | 5,748 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0904% | 455 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1009% | 357 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0964% | 385 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1022% | 354 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 891 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1973% | 1,191 |
| Percentage Net Loans Charged-off: Credit card loans | 7.7541% | 67 |
| 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 | 0.0254% | 7,820 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0135% | 905 |
| Percentage Net Loans Charged-off:Construction & development | 0.2331% | 198 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0811% | 475 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0827% | 244 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0010% | 1,021 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0011% | 974 |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1624% | 1,164 |
| Percentage Net Loans Charged-off: Credit card loans | 2.0816% | 502 |
| 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 | 0.0545% | 6,883 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0409% | 781 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4642% | 294 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0223% | 778 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0234% | 726 |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2203% | 995 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2893% | 350 |
| 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 | 0.0332% | 8,760 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0251% | 1,022 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5049% | 409 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0029% | 1,073 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0031% | 1,022 |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1613% | 1,124 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3628% | 665 |
| 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 | 0.0095% | 10,944 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0076% | 1,275 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 639 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2217% | 732 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 418 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0007% | 1,172 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0007% | 1,118 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,086 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0559% | 1,363 |
| Percentage Net Loans Charged-off: Credit card loans | 0.1322% | 1,014 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 479 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |