{"component": "definition", "props": {"groups": [{"snippet": "means the sum of (a) nonaccrual loans and lease financing receivables, (b) loans and lease financing receivables that are contractually past due 90 days or more as to interest or principal and are still accruing interest and (c) loans for which the terms have been modified due to a deterioration in the financial position of the borrower (determined in accordance with, and as set forth on, Borrower\u2019s FR Report Y-9C).", "samples": [{"hash": "cmNMRsfy1aX", "uri": "/contracts/cmNMRsfy1aX#nonperforming-loans", "label": "Revolving Credit Agreement (First Financial Bancorp /Oh/)", "score": 21.0, "published": true}, {"hash": "a7aw8OOEaS9", "uri": "/contracts/a7aw8OOEaS9#nonperforming-loans", "label": "Revolving Credit Agreement (NBC Capital Corp)", "score": 21.0, "published": true}, {"hash": "79KwMKSLMsb", "uri": "/contracts/79KwMKSLMsb#nonperforming-loans", "label": "Revolving Credit Agreement (Greene County Bancshares Inc)", "score": 21.0, "published": true}], "size": 12, "snippet_links": [{"key": "sum-of", "type": "clause", "offset": [10, 16]}, {"key": "nonaccrual-loans", "type": "clause", "offset": [21, 37]}, {"key": "lease-financing", "type": "clause", "offset": [42, 57]}, {"key": "past-due", "type": "definition", "offset": [136, 144]}, {"key": "days-or-more", "type": "clause", "offset": [148, 160]}, {"key": "interest-or-principal", "type": "clause", "offset": [167, 188]}, {"key": "the-terms", "type": "definition", "offset": [245, 254]}, {"key": "financial-position", "type": "clause", "offset": [304, 322]}, {"key": "of-the-borrower", "type": "clause", "offset": [323, 338]}, {"key": "in-accordance-with", "type": "definition", "offset": [351, 369]}, {"key": "fr-report-y-9c", "type": "definition", "offset": [403, 417]}], "hash": "b21a7a332c9874f244dffed4e1e98544", "id": 1}, {"snippet": "has the meaning ascribed to such term in Section 7.4.", "samples": [{"hash": "i0mxTxPEkDS", "uri": "/contracts/i0mxTxPEkDS#nonperforming-loans", "label": "Loan Agreement (German American Bancorp, Inc.)", "score": 29.7857631759, "published": true}, {"hash": "bd3NusGXXh4", "uri": "/contracts/bd3NusGXXh4#nonperforming-loans", "label": "Loan Agreement (First Midwest Bancorp Inc)", "score": 27.7542778919, "published": true}, {"hash": "60mjNLWS8qE", "uri": "/contracts/60mjNLWS8qE#nonperforming-loans", "label": "Loan Agreement (Mainsource Financial Group)", "score": 27.6009582478, "published": true}], "size": 11, "snippet_links": [{"key": "section-74", "type": "clause", "offset": [41, 52]}], "hash": "7c74ee82658a4443b697d808275a1b02", "id": 2}, {"snippet": "means loans that are sixty (60) days or more past due, tagged as non-accrual, charged off, thirty (30) days or more past maturity, bankrupt, or foreclosed as of March 31, 2009.", "samples": [{"hash": "lktpqWuAkUl", "uri": "/contracts/lktpqWuAkUl#nonperforming-loans", "label": "Purchase and Assumption Agreement (First Financial Bancorp /Oh/)", "score": 21.0, "published": true}, {"hash": "aeVopLtI2jx", "uri": "/contracts/aeVopLtI2jx#nonperforming-loans", "label": "Purchase and Assumption Agreement", "score": 21.0, "published": true}, {"hash": "zPotrryHJq", "uri": "/contracts/zPotrryHJq#nonperforming-loans", "label": "Purchase and Assumption Agreement", "score": 19.0, "published": true}], "size": 5, "snippet_links": [{"key": "days-or-more", "type": "clause", "offset": [32, 44]}, {"key": "past-due", "type": "definition", "offset": [45, 53]}, {"key": "charged-off", "type": "definition", "offset": [78, 89]}], "hash": "265df0e62910618a322b78961139f13e", "id": 3}, {"snippet": "means the sum of all non-accrual loans and loans on which any payment is ninety (90) or more days past due but which continue to accrue interest, but excluding any troubled debt restructurings (so long as any such troubled debt restructurings continue to accrue interest), and \u201cAllowance for Loan Losses\u201d shall have the meaning given to that term in Section 7.3 above.", "samples": [{"hash": "dKaTI9zwv9o", "uri": "/contracts/dKaTI9zwv9o#nonperforming-loans", "label": "Loan Agreement", "score": 30.340862423, "published": true}, {"hash": "60mjNLWS8qE", "uri": "/contracts/60mjNLWS8qE#nonperforming-loans", "label": "Loan Agreement (Mainsource Financial Group)", "score": 27.6009582478, "published": true}, {"hash": "c1XufABdPnW", "uri": "/contracts/c1XufABdPnW#nonperforming-loans", "label": "Loan Agreement (Peoples Bancorp Inc)", "score": 23.970568104, "published": true}], "size": 5, "snippet_links": [{"key": "sum-of", "type": "clause", "offset": [10, 16]}, {"key": "days-past-due", "type": "definition", "offset": [93, 106]}, {"key": "but-excluding", "type": "clause", "offset": [146, 159]}, {"key": "troubled-debt-restructurings", "type": "definition", "offset": [164, 192]}, {"key": "allowance-for-loan-losses", "type": "definition", "offset": [278, 303]}, {"key": "section-73", "type": "clause", "offset": [350, 361]}], "hash": "d734b1f378653ff024c0cca3530f4b8c", "id": 4}, {"snippet": "shall have the meaning attributed thereto in Section 8.4(d).", "samples": [{"hash": "lW6QVP8DFlm", "uri": "/contracts/lW6QVP8DFlm#nonperforming-loans", "label": "Credit Agreement (Integra Bank Corp)", "score": 21.0, "published": true}, {"hash": "az1d4b5ZFSA", "uri": "/contracts/az1d4b5ZFSA#nonperforming-loans", "label": "Credit Agreement (Integra Bank Corp)", "score": 18.0, "published": true}], "size": 4, "snippet_links": [], "hash": "5afa2458c5eb6ba3be8cef494a5743b5", "id": 5}, {"snippet": "means the sum of (i) those loans 90 days or more past due (either principal or interest) and (ii) those loans classified as \u201cnon-accrual\u201d or \u201crenegotiated\u201d as reported in the most recent call reports of the Subsidiary Bank.", "samples": [{"hash": "8riD6W6fPeW", "uri": "/contracts/8riD6W6fPeW#nonperforming-loans", "label": "Revolving Credit Agreement (Team Financial Inc /Ks)", "score": 21.0, "published": true}], "size": 4, "snippet_links": [{"key": "sum-of", "type": "clause", "offset": [10, 16]}, {"key": "days-or-more", "type": "clause", "offset": [36, 48]}, {"key": "past-due", "type": "definition", "offset": [49, 57]}, {"key": "principal-or-interest", "type": "clause", "offset": [66, 87]}, {"key": "most-recent", "type": "definition", "offset": [175, 186]}, {"key": "reports-of", "type": "clause", "offset": [192, 202]}, {"key": "subsidiary-bank", "type": "definition", "offset": [207, 222]}], "hash": "58a12b18422fb1b503823fa68880343e", "id": 6}, {"snippet": "means the sum of (a) nonaccrual loans and lease financing receivables (as determined by reference to the line item \u201cloans accounted for on a non-accrual basis\u201d under \u201cSelected Financial Data\u201d (Non-performing assets) in the Borrower\u2019s most recent Form 10-Q or 10-K, as applicable) and (b) loans and lease financing receivables that are contractually past due 90 days or more as to interest or principal and are still accruing interest (as determined by reference to the line item \u201cloans 90 days past due still accruing\u201d under \u201cSelected Financial Data\u201d (Non-performing assets) in the Borrower\u2019s most recent Form 10-Q or 10-K, as applicable).", "samples": [{"hash": "96yTVgVWw9L", "uri": "/contracts/96yTVgVWw9L#nonperforming-loans", "label": "Credit Agreement (Hancock Holding Co)", "score": 26.9739904175, "published": true}, {"hash": "lKZVAWiAp1s", "uri": "/contracts/lKZVAWiAp1s#nonperforming-loans", "label": "Term Loan Agreement (Hancock Holding Co)", "score": 23.9897330595, "published": true}, {"hash": "gxoPAZ7HyoU", "uri": "/contracts/gxoPAZ7HyoU#nonperforming-loans", "label": "Term Loan Agreement (Hancock Holding Co)", "score": 22.6016427105, "published": true}], "size": 3, "snippet_links": [{"key": "sum-of", "type": "clause", "offset": [10, 16]}, {"key": "nonaccrual-loans", "type": "clause", "offset": [21, 37]}, {"key": "lease-financing", "type": "clause", "offset": [42, 57]}, {"key": "reference-to", "type": "clause", "offset": [88, 100]}, {"key": "line-item", "type": "definition", "offset": [105, 114]}, {"key": "a-non", "type": "clause", "offset": [139, 144]}, {"key": "accrual-basis", "type": "definition", "offset": [145, 158]}, {"key": "selected-financial-data", "type": "definition", "offset": [167, 190]}, {"key": "performing-assets", "type": "definition", "offset": [197, 214]}, {"key": "the-borrower", "type": "definition", "offset": [219, 231]}, {"key": "most-recent", "type": "definition", "offset": [234, 245]}, {"key": "form-10", "type": "definition", "offset": [246, 253]}, {"key": "days-or-more", "type": "clause", "offset": [361, 373]}, {"key": "interest-or-principal", "type": "clause", "offset": [380, 401]}, {"key": "days-past-due", "type": "definition", "offset": [489, 502]}], "hash": "74ca0596d81b7abea15484615301a1ee", "id": 7}, {"snippet": "means the sum of those loans 90 days or more past due and those loans classified as \"non-accrual\" or \"renegotiated\" as reported in the most recent call reports of the Subsidiary Banks.", "samples": [{"hash": "iXNrYSXodCN", "uri": "/contracts/iXNrYSXodCN#nonperforming-loans", "label": "Revolving Credit and Term Loan Agreement (United Community Bancshares Inc)", "score": 18.0, "published": true}], "size": 3, "snippet_links": [{"key": "sum-of", "type": "clause", "offset": [10, 16]}, {"key": "days-or-more", "type": "clause", "offset": [32, 44]}, {"key": "past-due", "type": "definition", "offset": [45, 53]}, {"key": "most-recent", "type": "definition", "offset": [135, 146]}, {"key": "reports-of", "type": "clause", "offset": [152, 162]}, {"key": "subsidiary-banks", "type": "definition", "offset": [167, 183]}], "hash": "eb8b6f8d00792b15fc2d453672fd644b", "id": 8}, {"snippet": "means the sum of all non-accrual loans and loans on which any payment is 90 or more days past due but which continue to accrue interest, but excluding any troubled debt restructurings (so long as it continues to accrue interest), and \"Allowance for Loan Losses\" shall mean the amount of such balance sheet account of Borrower which, in all cases, shall be derived from the quarterly reports filed with the applicable primary federal regulator and shall be consistent with the financial information and reports contemplated in Section 6 hereof.", "samples": [{"hash": "lT8yLzK3oT4", "uri": "/contracts/lT8yLzK3oT4#nonperforming-loans", "label": "Loan Agreement (Pinnacle Financial Partners Inc)", "score": 26.0951403149, "published": true}], "size": 3, "snippet_links": [{"key": "sum-of", "type": "clause", "offset": [10, 16]}, {"key": "days-past-due", "type": "definition", "offset": [84, 97]}, {"key": "but-excluding", "type": "clause", "offset": [137, 150]}, {"key": "troubled-debt-restructurings", "type": "definition", "offset": [155, 183]}, {"key": "allowance-for-loan-losses", "type": "definition", "offset": [235, 260]}, {"key": "balance-sheet", "type": "clause", "offset": [292, 305]}, {"key": "in-all-cases", "type": "clause", "offset": [333, 345]}, {"key": "reports-filed", "type": "definition", "offset": [383, 396]}, {"key": "the-applicable", "type": "clause", "offset": [402, 416]}, {"key": "primary-federal-regulator", "type": "definition", "offset": [417, 442]}, {"key": "financial-information-and-reports", "type": "clause", "offset": [476, 509]}, {"key": "in-section-6", "type": "clause", "offset": [523, 535]}], "hash": "a83659d54e4c8450b1fcc462260d8214", "id": 9}, {"snippet": "means all loans, leases, other extensions of credit or commitments of ValliCorp and the ValliCorp Subsidiaries finally classified by ValliCorp, the ValliCorp Subsidiaries, any bank regulatory agency, or ValliCorp's independent auditors as \"Doubtful,\" \"Loss\" or words of similar import in the case of loans (or that would have been so classified in the case of other interest-bearing assets which would be subject to a provision for loan and lease losses) or any loans or extensions of credit which are on nonaccrual or accruing and 90 days or more past due in the payment of principal or interest.", "samples": [{"hash": "eZTQngW7wMj", "uri": "/contracts/eZTQngW7wMj#nonperforming-loans", "label": "Merger Agreement (Westamerica Bancorporation)", "score": 18.0, "published": true}, {"hash": "1PdRKWplaTc", "uri": "/contracts/1PdRKWplaTc#nonperforming-loans", "label": "Agreement and Plan of Reorganization (Vallicorp Holdings Inc)", "score": 18.0, "published": true}], "size": 2, "snippet_links": [{"key": "all-loans", "type": "clause", "offset": [6, 15]}, {"key": "extensions-of-credit", "type": "clause", "offset": [31, 51]}, {"key": "bank-regulatory-agency", "type": "definition", "offset": [176, 198]}, {"key": "independent-auditors", "type": "definition", "offset": [215, 235]}, {"key": "in-the-case", "type": "clause", "offset": [285, 296]}, {"key": "other-interest", "type": "definition", "offset": [360, 374]}, {"key": "subject-to", "type": "definition", "offset": [405, 415]}, {"key": "provision-for-loan-and-lease-losses", "type": "definition", "offset": [418, 453]}, {"key": "days-or-more", "type": "clause", "offset": [535, 547]}, {"key": "past-due", "type": "definition", "offset": [548, 556]}, {"key": "payment-of-principal-or-interest", "type": "clause", "offset": [564, 596]}], "hash": "c9554791d11f3d3b0a045084a2605d37", "id": 10}], "next_curs": "CmASWmoVc35sYXdpbnNpZGVyY29udHJhY3RzcjwLEhpEZWZpbml0aW9uU25pcHBldEdyb3VwX3Y1NiIcbm9ucGVyZm9ybWluZy1sb2FucyMwMDAwMDAwYQyiAQJlbhgAIAA=", "definition": {"snippet": "means the sum of (a) nonaccrual loans and lease financing receivables, (b) loans and lease financing receivables that are contractually past due 90 days or more as to interest or principal and are still accruing interest and (c) loans for which the terms have been modified due to a deterioration in the financial position of the borrower (determined in accordance with, and as set forth on, Borrower\u2019s FR Report Y-9C).", "title": "Nonperforming Loans", "size": 72, "id": "nonperforming-loans", "examples": ["Permit the ratio of (a) the aggregate outstanding principal balance of <strong>Nonperforming Loans</strong> (excluding the aggregate outstanding principal balance of such loans which have been sold without recourse) to (b) the aggregate outstanding principal balance of all Third Party Loans (excluding the aggregate outstanding principal balance of such loans which have been sold without recourse) to exceed .05:1.0 at any time.", "The Subsidiary Bank shall maintain, and Borrower shall cause the Subsidiary Bank to maintain, a ratio of the Allowances for Loan Losses to <strong>Nonperforming Loans</strong> (Allowance for Loan Losses divided by <strong>Nonperforming Loans</strong>) of not less than eighty percent (80%), measured as of the last day of each calendar quarter of the Subsidiary Bank commencing with the fiscal quarter ending December 31, 2012.", "A maximum Non-performing Loans to Primary Capital ratio of 25.00%.", "The Borrower shall remain in full compliance with all prudential rules of the CBT, and in particular as regards to its Non-performing Loans ratio, Liquidity ratio, Solvability ratio and Provisioning ratio, all as defined in the Circulaire of the CBT No. 91-24 dated December 17, 1991 as modified by the Circulaire of the CBT No. 2001-04 dated February 16, 2001 and Circulaire of the CBT No. 2001-12 dated May 4, 2001.", "Cause the Borrower and its Consolidated Subsidiaries to maintain on a consolidated basis as at the last day of each fiscal quarter of each fiscal year a ratio of loan loss reserves to <strong>Nonperforming Loans</strong> of at least 100%.", "Visualization of the leakage hot-spots can be presented on various thematic maps of the network.", "The Borrower\u2019s ratio (expressed as a percentage) of <strong>Nonperforming Loans</strong> plus Real Estate Owned to Primary Capital on a consolidated basis with its Subsidiary Bank as of the end of each fiscal quarter, will be less than 20% as of each quarter-end, including such quarter ending on December 31, 2021, and each quarter-end thereafter.", "The Subsidiary Bank shall maintain loan loss reserves which, as of the last day of each fiscal quarter, are not less than 60% of the <strong>Nonperforming Loans</strong> of the Subsidiary Bank.", "Attached is a list of past due loans which includes <strong>Nonperforming Loans</strong> (those 30 days or more in default of payment).", "The Borrower will, and will cause each Subsidiary to, maintain on a consolidated basis as at the last day of each fiscal quarter of each fiscal year a ratio of loan loss reserves to <strong>Nonperforming Loans</strong> of at least 100%."], "related": [["non-performing-loans", "Non-Performing Loans", "Non-Performing Loans"], ["performing-dip-loans", "Performing DIP Loans", "Performing DIP Loans"], ["waivable-mandatory-prepayment", "Waivable Mandatory Prepayment", "Waivable Mandatory Prepayment"], ["existing-loans", "Existing Loans", "Existing Loans"], ["non-performing-first-lien-bank-loans", "Non-Performing First Lien Bank Loans", "Non-Performing First Lien Bank Loans"]], "related_snippets": [], "updated": "2025-07-06T21:58:36+00:00"}, "json": true, "cursor": ""}}