| Chart 5: Charge-Off Rates for Mortgages and Home Equity Lines of Credit Remain Well Below the Long-Term Average | ||
| Year and Quarter | Quarterly Net Charge-Offs (percent): One-to-Four Family Mortgages |
Quarterly Net Charge-Offs (percent): Home Equity Lines of Credit |
| 2005:Q4 | 0.06% |
0.10% |
| 2005:Q3 | 0.05% |
0.09% |
| 2005:Q2 | 0.05% |
0.09% |
| 2005:Q1 | 0.05% |
0.08% |
| 2004Q4 | 0.08% |
0.09% |
| 2004:Q3 | 0.06% |
0.09% |
| 2004:Q2 | 0.06% |
0.12% |
| 2004:Q1 | 0.09% |
0.12% |
| 2003:Q4 | 0.24% |
0.23% |
| 2003:Q3 | 0.09% |
0.13% |
| 2003:Q2 | 0.10% |
0.17% |
| 2003:Q1 | 0.10% |
0.17% |
| 2002:Q4 | 0.14% |
0.17% |
| 2002:Q3 | 0.10% |
0.17% |
| 2002:Q2 | 0.11% |
0.18% |
| 2002:Q1 | 0.11% |
0.18% |
| 2001:Q4 | 0.12% |
0.34% |
| 2001:Q3 | 0.29% |
0.23% |
| 2001:Q2 | 0.12% |
0.14% |
| 2001:Q1 | 0.08% |
0.23% |
| 2000:Q4 | 0.10% |
0.23% |
| 2000:Q3 | 0.08% |
0.18% |
| 2000:Q2 | 0.08% |
0.12% |
| 2000:Q1 | 0.08% |
0.15% |
| 1999:Q4 | 0.11% |
0.15% |
| 1999:Q3 | 0.10% |
0.14% |
| 1999:Q2 | 0.09% |
0.15% |
| 1999:Q1 | 0.06% |
0.16% |
| 1998:Q4 | 0.11% |
0.14% |
| 1998:Q3 | 0.07% |
0.10% |
| 1998:Q2 | 0.07% |
0.15% |
| 1998:Q1 | 0.07% |
0.17% |
| 1997:Q4 | 0.09% |
0.19% |
| 1997:Q3 | 0.13% |
0.13% |
| 1997:Q2 | 0.12% |
0.17% |
| 1997:Q1 | 0.08% |
0.17% |
| 1996:Q4 | 0.14% |
0.20% |
| 1996:Q3 | 0.12% |
0.20% |
| 1996:Q2 | 0.13% |
0.21% |
| 1996:Q1 | 0.12% |
0.21% |
| 1995:Q4 | 0.15% |
0.21% |
| 1995:Q3 | 0.13% |
0.20% |
| 1995:Q2 | 0.14% |
0.19% |
| 1995:Q1 | 0.13% |
0.17% |
| 1994:Q4 | 0.20% |
0.22% |
| 1994:Q3 | 0.20% |
0.17% |
| 1994:Q2 | 0.22% |
0.23% |
| 1994:Q1 | 0.18% |
0.23% |
| 1993:Q4 | 0.24% |
0.43% |
| 1993:Q3 | 0.26% |
0.24% |
| 1993:Q2 | 0.40% |
0.36% |
| 1993:Q1 | 0.21% |
0.29% |
| 1992:Q4 | 0.28% |
0.31% |
| 1992:Q3 | 0.26% |
0.19% |
| 1992:Q2 | 0.22% |
0.19% |
| 1992:Q1 | 0.17% |
0.16% |
| 1991:Q4 | 0.21% |
0.24% |
| Average, 1991 to 2005 | 0.13% |
0.18% |
| Source: Federal Deposit Insurance Corporation. | ||