Home > BSB Bank & Trust Company > Net charge- offs to loans
BSB Bank & Trust Company, Net charge- offs to loans
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0872% | 3,623 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0566% | 1,681 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1505% | 550 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0855% | 6,342 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0220% | 1,918 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0237% | 1,793 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.5320% | 8,189 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5694% | 2,976 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,207 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 19 |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2668% | 1,594 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0943% | 1,034 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.3499% | 8,724 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.5724% | 24 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2490% | 570 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2680% | 523 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8477% | 914 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5866% | 2,680 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 887 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 12 |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.8223% | 249 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8674% | 189 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.2496% | 105 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.4606% | 57 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0860% | 1,890 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3941% | 183 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0586% | 2,166 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.1868% | 184 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9000% | 2,651 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,856 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 56 |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1025% | 439 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3311% | 557 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5056% | 387 |
| Percentage Net Loans Charged-off: Multi-family residential | 3.3674% | 34 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1385% | 1,230 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5313% | 122 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1021% | 1,436 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.4485% | 307 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8726% | 2,507 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,617 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 45 |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0871% | 467 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6155% | 269 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1621% | 186 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.1562% | 29 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2174% | 812 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8282% | 88 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1566% | 996 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.0544% | 482 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9089% | 2,274 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,407 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 37 |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3699% | 1,480 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3662% | 426 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3510% | 304 |
| Percentage Net Loans Charged-off: Multi-family residential | 11.0325% | 9 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0723% | 1,136 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0802% | 1,065 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1782% | 8,023 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8439% | 2,272 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.0370% | 131 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.3836% | 44 |
| Percentage Net Loans Charged-off:Construction & development | 0.2383% | 476 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.6980% | 64 |
| Percentage Net Loans Charged-off: Multi-family residential | 20.7472% | 14 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1197% | 1,493 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1340% | 1,374 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.4321% | 255 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7154% | 3,318 |
| Percentage Net Loans Charged-off: Credit card loans | 7.0431% | 274 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,956 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 51 |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1213% | 602 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7106% | 246 |
| Percentage Net Loans Charged-off:Construction & development | -0.3440% | 8,322 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2759% | 211 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1898% | 6,660 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0776% | 1,759 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0875% | 1,599 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4598% | 1,324 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4491% | 1,363 |
| Percentage Net Loans Charged-off: Credit card loans | 4.0227% | 619 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0258% | 7,752 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 74 |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.3075% | 369 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5862% | 33 |
| Percentage Net Loans Charged-off:Construction & development | 5.4641% | 10 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8903% | 26 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1309% | 1,400 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0854% | 291 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0983% | 247 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.4350% | 94 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7722% | 545 |
| Percentage Net Loans Charged-off: Credit card loans | 3.2052% | 285 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 385 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8728% | 687 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1942% | 132 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0725% | 231 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4055% | 69 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4610% | 62 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5776% | 126 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9939% | 447 |
| Percentage Net Loans Charged-off: Credit card loans | 3.8199% | 243 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 415 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.0090% | 470 |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6999% | 970 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4980% | 36 |
| Percentage Net Loans Charged-off:Construction & development | 0.0419% | 170 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6144% | 56 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.8325% | 17 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1237% | 243 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8524% | 50 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 883 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8719% | 200 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7750% | 630 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3523% | 532 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.1275% | 465 |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7470% | 904 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8838% | 18 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8372% | 47 |
| Percentage Net Loans Charged-off: Multi-family residential | 4.4720% | 9 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3384% | 73 |
| Percentage Net Loans Charged-off: Home equity loans | 2.2942% | 17 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 952 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6622% | 274 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6535% | 766 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3687% | 582 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 386 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.1781% | 485 |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6491% | 1,282 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5222% | 95 |
| Percentage Net Loans Charged-off:Construction & development | 1.6680% | 54 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7627% | 102 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.6041% | 101 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1298% | 307 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1503% | 265 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8412% | 224 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5962% | 808 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7010% | 719 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 444 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 1.7366% | 12 |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6656% | 1,163 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7868% | 93 |
| Percentage Net Loans Charged-off:Construction & development | 2.6370% | 56 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.3449% | 90 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0321% | 1,327 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2401% | 187 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2752% | 165 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6376% | 262 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4215% | 846 |
| Percentage Net Loans Charged-off: Credit card loans | 2.5017% | 399 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 433 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 4.0361% | 9 |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3863% | 2,373 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1773% | 430 |
| Percentage Net Loans Charged-off:Construction & development | 0.3554% | 208 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2861% | 370 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0985% | 279 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0803% | 474 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0929% | 439 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7701% | 264 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2955% | 864 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3085% | 348 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 371 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.8300% | 37 |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4025% | 3,320 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1103% | 726 |
| Percentage Net Loans Charged-off:Construction & development | 1.1288% | 255 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0920% | 694 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0919% | 533 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1042% | 495 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9992% | 384 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3095% | 966 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2290% | 431 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 423 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 6.3415% | 30 |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5369% | 4,018 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1958% | 761 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 639 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2875% | 679 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0101% | 1,422 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1700% | 451 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1901% | 406 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1397% | 545 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8591% | 661 |
| Percentage Net Loans Charged-off: Credit card loans | 3.8928% | 276 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 479 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0157% | 143 |