Chart 33 This allowed banks to reduce provisioning expense. (Commercial banks)

Year Loss provisions to assets (percent)
1984 0.57
1985 0.69
1986 0.80
1987 1.28
1988 0.57
1989 0.98
1990 0.96
1991 1.02
1992 0.76
1993 0.47
1994 0.28
1995 0.30
1996 0.37
1997 0.42
1998 0.43
1999 0.40
2000 0.50
2001 0.68
2002 0.71
2003 0.47
2004 0.33
"2005 (as of September 30, 2005, annualized)" 0.30

Note: 2005 data as of September 30, 2005 (annualized). All other data as of year-end.
Source: Integrated Banking Information System (Office of the Comptroller of the Currency).