11. And loan loss reserves create a cushion for a bank during bad times. 12. Other Japanese banks have sold securities to offset profits lost to loan-loss reserves . 13. Actuaries use statistical methods to determine loss reserves and insurance pricing. 14. "There were lots of nonspecific loan-loss reserves , " said Robertson, a Coulter confidant. 15. Philippine banks reported sizable profits in 1997, while setting aside ample loan-loss reserves . 16. Last year at this time loan loss reserves stood at $ 28.6 million. 17. Ford is boosting credit loss reserves to reflect weakened economic conditions. 18. Loan-loss reserves create a cushion for a bank in lean times. 19. "Although we recorded negative growth, we're happy that our loan-loss reserves were sharply hiked. 20. Its total loan-loss reserves stand at 134.6 billion baht ( dlrs 3.6 billion ).