eTrade 2002 Annual Report Download - page 43
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as a group using expected loss ratios, which are based on our historical charge-off experience, industry loss experience and current market and
economic conditions. At December 31, 2002, our loan loss allowance was $27.7 million on $5,580.6 million of loans we intend to hold for
investment. In determining the appropriate level of the general allowance and projecting losses
27
2003. EDGAR Online, Inc.