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Schenectady Federal Savings Bank, Net Charge- offs 1- 4 Family Residential
| 1998-12-31 (YTD Data) | Rank | |
| Secured by 1-4 family residential properties- net charge-offs | $21,000 | 1,747 |
| Loans secured by 1-4 family senior liens - net charge-offs | NA | NA |
| Loans secured by 1-4 family junior liens - net charge-offs | NA | NA |
| Home equity lines of credit - net charge-offs | $0 | 616 |
| 1997-12-31 (YTD Data) | Rank | |
| Secured by 1-4 family residential properties- net charge-offs | $23,000 | 1,764 |
| Loans secured by 1-4 family senior liens - net charge-offs | NA | NA |
| Loans secured by 1-4 family junior liens - net charge-offs | NA | NA |
| Home equity lines of credit - net charge-offs | $7,000 | 538 |
| 1996-12-31 (YTD Data) | Rank | |
| Secured by 1-4 family residential properties- net charge-offs | $85,000 | 911 |
| Loans secured by 1-4 family senior liens - net charge-offs | NA | NA |
| Loans secured by 1-4 family junior liens - net charge-offs | NA | NA |
| Home equity lines of credit - net charge-offs | $41,000 | 317 |
| 1995-12-31 (YTD Data) | Rank | |
| Secured by 1-4 family residential properties- net charge-offs | $81,000 | 1,035 |
| Loans secured by 1-4 family senior liens - net charge-offs | NA | NA |
| Loans secured by 1-4 family junior liens - net charge-offs | NA | NA |
| Home equity lines of credit - net charge-offs | $57,000 | 257 |
| 1994-12-31 (YTD Data) | Rank | |
| Secured by 1-4 family residential properties- net charge-offs | $66,000 | 1,242 |
| Loans secured by 1-4 family senior liens - net charge-offs | NA | NA |
| Loans secured by 1-4 family junior liens - net charge-offs | NA | NA |
| Home equity lines of credit - net charge-offs | $0 | 728 |
| 1993-12-31 (YTD Data) | Rank | |
| Secured by 1-4 family residential properties- net charge-offs | $0 | 4,945 |
| Loans secured by 1-4 family senior liens - net charge-offs | NA | NA |
| Loans secured by 1-4 family junior liens - net charge-offs | NA | NA |
| Home equity lines of credit - net charge-offs | $0 | 837 |
| 1992-12-31 (YTD Data) | Rank | |
| Secured by 1-4 family residential properties- net charge-offs | $29,000 | 2,828 |
| Loans secured by 1-4 family senior liens - net charge-offs | NA | NA |
| Loans secured by 1-4 family junior liens - net charge-offs | NA | NA |
| Home equity lines of credit - net charge-offs | $3,000 | 885 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.