An analysis by the Chicago Tribune shows that nearly a fifth of the “economic injury disaster loans” made to Illinois small businesses in the wake of the 9/11 attacks have been deemed uncollectible by the U.S. Small Business Administration.

The charge-off rate for the banking industry is well under 1 percent of loans.

About half of the loans have been paid off however, with some borrowers saying that the loans saved their businesses and employees’ jobs in a time of crisis.

The Tribune obtained information for this story from a 1.3 million-record SBA disaster loan database offered by IRE and NICAR.