HTLF » Topics » Allowance for Loan and Lease Losses

These excerpts taken from the HTLF 10-K filed Mar 16, 2009.
Allowance for Loan and Lease Losses - The allowance for loan and lease losses is maintained at a level estimated by management to provide for known and inherent risks in the loan and lease portfolios. The allowance is based upon a continuing review of past loan and lease loss experience, current economic conditions, volume growth, the underlying collateral value of the loans and leases and other relevant factors. Loans and leases which are deemed uncollectible are charged off and deducted from the allowance. Provisions for loan and lease losses and recoveries on previously charged-off loans and leases are added to the allowance.

Allowance for
Loan and Lease Losses
 - The allowance for loan and
lease losses is maintained at a level estimated by management to provide for
known and inherent risks in the loan and lease portfolios. The allowance is
based upon a continuing review of past loan and lease loss experience, current
economic conditions, volume growth, the underlying collateral value of the loans
and leases and other relevant factors. Loans and leases which are deemed
uncollectible are charged off and deducted from the allowance. Provisions for
loan and lease losses and recoveries on previously charged-off loans and leases
are added to the allowance.



Allowance for
Loan and Lease Losses
 - The allowance for loan and
lease losses is maintained at a level estimated by management to provide for
known and inherent risks in the loan and lease portfolios. The allowance is
based upon a continuing review of past loan and lease loss experience, current
economic conditions, volume growth, the underlying collateral value of the loans
and leases and other relevant factors. Loans and leases which are deemed
uncollectible are charged off and deducted from the allowance. Provisions for
loan and lease losses and recoveries on previously charged-off loans and leases
are added to the allowance.



These excerpts taken from the HTLF 10-K filed Mar 17, 2008.
Allowance for Loan and Lease Losses - The allowance for loan and lease losses is maintained at a level estimated by management to provide for known and inherent risks in the loan and lease portfolios. The allowance is based upon a continuing review of past loan and lease loss experience, current economic conditions, volume growth, the underlying collateral value of the loans and leases and other relevant factors. Loans and leases which are deemed uncollectible are charged off and deducted from the allowance. Provisions for loan and lease losses and recoveries on previously charged-off loans and leases are added to the allowance.

Allowance for
Loan and Lease Losses
 - The allowance for loan and
lease losses is maintained at a level estimated by management to provide for
known and inherent risks in the loan and lease portfolios. The allowance is
based upon a continuing review of past loan and lease loss experience, current
economic conditions, volume growth, the underlying collateral value of the loans
and leases and other relevant factors. Loans and leases which are deemed
uncollectible are charged off and deducted from the allowance. Provisions for
loan and lease losses and recoveries on previously charged-off loans and leases
are added to the allowance.



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