Net Charge Offs to Avg Loans

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Net Charge Offs to Average Loans is a financial metric used to measure the percentage of bad debt that a company has outstanding over a specific period. A company's net charge off is the amount of debt that they have deemed uncollectible less any collections from loans that were previously charged-off. In this sense, net charge offs to average loans can help to determine what percentage of a companies loans can be expected to be collectible.

Net Charge Offs to Avg Loans

Company	2004	2005	2006	2007	2008
Abington Community Bancorp (ABBC)	0.02%	0%	0.01%	0.08%	Add
Access National (ANCX)	Add	Add	Add	Add	Add
Alabama National BanCorporation (ALAB)	0.06%	0.04%	0.02%	Add	Add
Alliance Bankshares (ABVA)	0.02%	0.01%	0.02%	Add	Add
Ameriana Bancorp (ASBI)	0.52%	(1.3%)	0.22%	(0.62%)	Add
American Bancorp of New Jersey (ABNJ)	0%	0%	0%	0%	Add
American Community Bancshares (ACBA)	0.11%	(0.01%)	0.37%	Add	Add
American National Bankshares (AMNB)	0.1%	0.56%	0.1%	Add	Add
Ameris Bancorp (ABCB)	0.22%	0.04%	0.1%	Add	Add
Anchor BanCorp Wisconsin (ABCW)	(0.1%)	(0.12%)	(0.42%)	(0.17%)	Add
Appalachian Bancshares, Inc. (GA) (APAB)	0.14%	0.12%	0.3%	0.36%	Add
Astoria Financial (AF)	0%	0.01%	0.01%	0.02%	Add
Atlantic BancGroup (ATBC)	0.25%	0.06%	0.09%	0.03%	Add
Atlantic Southern Financial Group (ASFN)	0.07%	0.05%	0.04%	Add	Add
Auburn National Bancorporation (AUBN)	0.58%	0.13%	0.05%	(0.01%)	Add
BancorpSouth (BXS)	0.31%	0.23%	0.15%	0.14%	Add
BancTrust Financial Group (BTFG)	0.29%	0.14%	0.23%	1.02%	Add
BankAtlantic Bancorp (BBX)	Add	Add	Add	Add	Add
BankFinancial (BFIN)	0.09%	0%	0.07%	0.02%	Add
BankUnited Financial (BKUNA)	0.05%	0.03%	(0.002%)	0.033%	Add
Bank Mutual (BKMU)	0.07%	0.12%	0.01%	0.03%	Add
Bank of Florida (BOFL)	0.02%	0.03%	0.03%	Add	Add
Bank of Granite (GRAN)	0.35%	0.61%	0.52%	Add	Add
Bank of the Ozarks (OZRK)	Add	0.11%	0.12%	0.24%	Add
Banner (BANR)	0.11%	0.16%	0.03%	0.08%	Add
BB&T (BBT)	0.36%	0.3%	0.27%	Add	Add
BCSB Bankcorp (BCSB)	0.22%	0.07%	0.06%	0.03%	Add
Beach First National Bancshares (BFNB)	0.43%	0.1%	0.17%	0.21%	Add
BEA Systems (BEAS)/Bulls/Oracle to buy BEAS for $19.38 per share (cash)	0%	0.75%	0.18%	1.43%	Add
Benjamin Franklin Bancorp (BFBC)	0.01%	0%	(0.01%)	(0.03%)	Add
Berkshire Hills Bancorp (BHLB)	0.15%	0.08%	0.07%	0.34%	Add
BFC FINL CORP (BFF)	Add	Add	Add	Add	Add
BNC Bancorp (BNCN)	0.12%	0.38%	0.2%	Add	Add
BOE Financial Services of Virginia (BSXT)	0.21%	0.05%	(0.01%)	Add	Add
BofI Holding (BOFI)	Add	Add	Add	Add	Add
Bridge Capital Holdings (BBNK)	0.08%	0.06%	0%	0.17%	Add
Britton & Koontz Capital (BKBK)	0.1%	0.07%	0.21%	0.15%	Add
Broadway Financial (BYFC)	0%	0%	0%	0%	Add
Brookline Bancorp (BRKL)	Add	Add	Add	Add	Add
Brooklyn Federal Bancorp (BFSB)	Add	Add	Add	Add	Add

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