planets cumulative the the up in say, lined every X.X%. the you we've X% number, X.X% is would cycle Nate, way, the good exiting talked number. that I a believed into sneak entering us if I about or in we into and consistently probably cycle. that that And suppose could that cycle-to-cycle, always pretty with NCO against
depends there one we've And just of if to on may possible could the even a majority additional needs it, great come not it fruition. lot feel don't We so know. not and there. it, It's addressed of credit. like be all We a
pretty be I cycle, ought again, at can the that if just you use think close. to X% number, you So and for BankX, look
with And those. a There's so I moving just mentioned the lot X of hotels. parts
to what And It's but a it potential. so a is potential. is it's recognize probability, a our not intentions are that
that won't cause be to continue entries year, additional that heavy-provision that last provisioning, Not to And we theme year. make X% to was for cycle-to-cycle, to so such we to bank heavy earnings provisioning continue any have did but that as the last hit if would the the this interrupted. year, as
So we have flexibility today.
We have to loan range of X% reserve an of loss internal X.XX%.
last You saw right year us think now, range that we the But at ended prudent for reasons. I year exceed X.XX%.
is -- quantify you over you if dollars, million so a say, of X.XX% and minimums. you X%? the a well, above couple absolute to million really what I $X compared think what little And get that's into
points of, I XX charge-offs. so had when you basis context we believe, the about think And of
money and reserve self-imposed will if year loss cycle-to-cycle, loan at delta minimum, really above And our X% basis through we of over we way do that have provision $X want normal our look in that So can plus points we between the reserving you the the worst-case delta this a then the put it. this were in sufficient million handle expectations. that the to you to say that's year, XX
