Home > California State Bank > Net charge- offs to loans
California State Bank, Net charge- offs to loans
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1283% | 4,942 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0275% | 672 |
| Percentage Net Loans Charged-off:Construction & development | -0.0116% | 1,237 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0204% | 417 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0985% | 338 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1555% | 203 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 952 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3400% | 454 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7762% | 681 |
| Percentage Net Loans Charged-off: Credit card loans | 5.2348% | 197 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0720% | 1,230 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 31 |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3302% | 2,739 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2901% | 180 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2625% | 246 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7378% | 41 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3882% | 100 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2063% | 20 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2020% | 567 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2826% | 395 |
| Percentage Net Loans Charged-off: Credit card loans | 5.3415% | 158 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0351% | 388 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 34 |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2913% | 2,910 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2174% | 302 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2426% | 349 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2544% | 177 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6112% | 61 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 989 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1370% | 1,209 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2228% | 120 |
| Percentage Net Loans Charged-off: Credit card loans | 8.0090% | 48 |
| 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 | 0.0000% | 48 |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5084% | 1,752 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2522% | 349 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 668 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.6007% | 26 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | 2.6462% | 12 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7869% | 258 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3560% | 201 |
| Percentage Net Loans Charged-off: Credit card loans | 2.8474% | 246 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -1.7903% | 1,271 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 53 |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4614% | 2,942 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0008% | 1,213 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 834 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0042% | 1,058 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0072% | 975 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6871% | 471 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4788% | 125 |
| Percentage Net Loans Charged-off: Credit card loans | 4.0622% | 161 |
| 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 | 0.0000% | 93 |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2858% | 6,176 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0481% | 1,097 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 639 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 967 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 418 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2052% | 396 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3430% | 264 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3662% | 871 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3382% | 427 |
| Percentage Net Loans Charged-off: Credit card loans | 3.4799% | 341 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.5862% | 1,250 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |