Home > Citizens Federal Bank, F.S.B., a Federal Savings Bank > Loan Charge- Offs and Recoveries
Citizens Federal Bank, F.S.B., a Federal Savings Bank, Loan Charge- Offs and Recoveries
| 1997-12-31 (YTD Data) | Rank | |
| Total charge-offs | $3,536,000 | 430 |
| Loans secured by real estate, total | $1,356,000 | 232 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $1,356,000 | 232 |
| Construction and land development | $0 | 676 |
| Secured by farmland | NA | NA |
| Total charge-offs secured by 1-4 family residential properties | $398,000 | 335 |
| Secured by multifamily residential properties | $177,000 | 140 |
| Secured by nonfarm nonresidential properties | $781,000 | 145 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $44,000 | 3,621 |
| Loans to individuals | $2,136,000 | 368 |
| Credit card loan charge offs | $302,000 | 411 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $1,834,000 | 273 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $1,970,000 | 264 |
| Loans secured by real estate, total | $1,063,000 | 147 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $1,063,000 | 146 |
| Construction and land development | $0 | 513 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties - total recoveries | $226,000 | 182 |
| Secured by multifamily residential properties | $111,000 | 79 |
| Secured by nonfarm nonresidential properties | $726,000 | 117 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $32,000 | 2,342 |
| Loans to individuals | $875,000 | 265 |
| Credit card loan recoveries | $202,000 | 208 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $673,000 | 223 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $1,566,000 | 586 |
| Loans secured by real estate, total | $293,000 | 541 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $293,000 | 538 |
| Construction and land development | $0 | 590 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties- net charge-offs | $172,000 | 524 |
| Secured by multifamily residential properties | $66,000 | 201 |
| Secured by nonfarm nonresidential properties | $55,000 | 615 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $12,000 | 4,240 |
| To non-U.S. addressees | NA | NA |
| Loans to individuals | $1,261,000 | 431 |
| Credit card loan net charge offs | $100,000 | 600 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $1,161,000 | 303 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1996-12-31 (YTD Data) | Rank | |
| Total charge-offs | $3,926,000 | 467 |
| Loans secured by real estate, total | $3,394,000 | 160 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $3,394,000 | 160 |
| Construction and land development | $0 | 737 |
| Secured by farmland | NA | NA |
| Total charge-offs secured by 1-4 family residential properties | $442,000 | 356 |
| Secured by multifamily residential properties | $2,330,000 | 33 |
| Secured by nonfarm nonresidential properties | $622,000 | 253 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $64,000 | 3,177 |
| Loans to individuals | $468,000 | 920 |
| Credit card loan charge offs | $45,000 | 1,061 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $423,000 | 782 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $784,000 | 580 |
| Loans secured by real estate, total | $636,000 | 254 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $636,000 | 254 |
| Construction and land development | $0 | 613 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties - total recoveries | $193,000 | 214 |
| Secured by multifamily residential properties | $64,000 | 135 |
| Secured by nonfarm nonresidential properties | $379,000 | 211 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $42,000 | 2,075 |
| Loans to individuals | $106,000 | 1,011 |
| Credit card loan recoveries | $25,000 | 563 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $81,000 | 1,040 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $3,142,000 | 442 |
| Loans secured by real estate, total | $2,758,000 | 144 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $2,758,000 | 143 |
| Construction and land development | $0 | 634 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties- net charge-offs | $249,000 | 448 |
| Secured by multifamily residential properties | $2,266,000 | 30 |
| Secured by nonfarm nonresidential properties | $243,000 | 361 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $22,000 | 3,781 |
| To non-U.S. addressees | NA | NA |
| Loans to individuals | $362,000 | 896 |
| Credit card loan net charge offs | $20,000 | 1,484 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $342,000 | 715 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1995-12-31 (YTD Data) | Rank | |
| Total charge-offs | $2,037,000 | 715 |
| Loans secured by real estate, total | $1,860,000 | 308 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $1,860,000 | 307 |
| Construction and land development | $0 | 883 |
| Secured by farmland | NA | NA |
| Total charge-offs secured by 1-4 family residential properties | $80,000 | 1,243 |
| Secured by multifamily residential properties | $51,000 | 366 |
| Secured by nonfarm nonresidential properties | $1,729,000 | 164 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $125,000 | 2,012 |
| Loans to individuals | $52,000 | 3,494 |
| Credit card loan charge offs | $26,000 | 1,333 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $26,000 | 4,483 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $1,158,000 | 448 |
| Loans secured by real estate, total | $960,000 | 194 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $960,000 | 191 |
| Construction and land development | $0 | 688 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties - total recoveries | $77,000 | 474 |
| Secured by multifamily residential properties | $5,000 | 370 |
| Secured by nonfarm nonresidential properties | $878,000 | 133 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $138,000 | 902 |
| Loans to individuals | $60,000 | 1,524 |
| Credit card loan recoveries | $50,000 | 443 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $10,000 | 4,412 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $879,000 | 954 |
| Loans secured by real estate, total | $900,000 | 408 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $900,000 | 407 |
| Construction and land development | $0 | 772 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties- net charge-offs | $3,000 | 3,265 |
| Secured by multifamily residential properties | $46,000 | 343 |
| Secured by nonfarm nonresidential properties | $851,000 | 227 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $-13,000 | 10,450 |
| To non-U.S. addressees | NA | NA |
| Loans to individuals | $-8,000 | 11,561 |
| Credit card loan net charge offs | $-24,000 | 11,947 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $16,000 | 4,304 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1994-12-31 (YTD Data) | Rank | |
| Total charge-offs | $2,020,000 | 736 |
| Loans secured by real estate, total | $1,988,000 | 336 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $1,988,000 | 336 |
| Construction and land development | $0 | 994 |
| Secured by farmland | NA | NA |
| Total charge-offs secured by 1-4 family residential properties | $185,000 | 793 |
| Secured by multifamily residential properties | $105,000 | 341 |
| Secured by nonfarm nonresidential properties | $1,698,000 | 201 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $16,000 | 5,491 |
| Loans to individuals | $16,000 | 6,075 |
| Credit card loan charge offs | $16,000 | 1,616 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $0 | 9,793 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $606,000 | 755 |
| Loans secured by real estate, total | $395,000 | 392 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $395,000 | 390 |
| Construction and land development | $0 | 797 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties - total recoveries | $93,000 | 455 |
| Secured by multifamily residential properties | $71,000 | 142 |
| Secured by nonfarm nonresidential properties | $231,000 | 313 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $96,000 | 1,410 |
| Loans to individuals | $115,000 | 996 |
| Credit card loan recoveries | $92,000 | 361 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $23,000 | 2,929 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $1,414,000 | 714 |
| Loans secured by real estate, total | $1,593,000 | 319 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $1,593,000 | 319 |
| Construction and land development | $0 | 849 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties- net charge-offs | $92,000 | 1,025 |
| Secured by multifamily residential properties | $34,000 | 447 |
| Secured by nonfarm nonresidential properties | $1,467,000 | 175 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $-80,000 | 12,057 |
| To non-U.S. addressees | NA | NA |
| Loans to individuals | $-99,000 | 12,561 |
| Credit card loan net charge offs | $-76,000 | 12,600 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $-23,000 | 12,320 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1993-12-31 (YTD Data) | Rank | |
| Total charge-offs | $1,578,000 | 1,047 |
| Loans secured by real estate, total | $996,000 | 692 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $996,000 | 690 |
| Construction and land development | $0 | 1,259 |
| Secured by farmland | NA | NA |
| Total charge-offs secured by 1-4 family residential properties | $92,000 | 1,463 |
| Secured by multifamily residential properties | $247,000 | 268 |
| Secured by nonfarm nonresidential properties | $657,000 | 487 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $547,000 | 918 |
| Loans to individuals | $35,000 | 4,700 |
| Credit card loan charge offs | $25,000 | 1,395 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $10,000 | 7,162 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $430,000 | 1,011 |
| Loans secured by real estate, total | $56,000 | 1,492 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $56,000 | 1,492 |
| Construction and land development | $0 | 926 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties - total recoveries | $38,000 | 937 |
| Secured by multifamily residential properties | $1,000 | 482 |
| Secured by nonfarm nonresidential properties | $17,000 | 1,308 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $172,000 | 956 |
| Loans to individuals | $202,000 | 723 |
| Credit card loan recoveries | $156,000 | 298 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $46,000 | 1,891 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $1,148,000 | 1,050 |
| Loans secured by real estate, total | $940,000 | 639 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $940,000 | 637 |
| Construction and land development | $0 | 1,117 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties- net charge-offs | $54,000 | 1,708 |
| Secured by multifamily residential properties | $246,000 | 233 |
| Secured by nonfarm nonresidential properties | $640,000 | 444 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $375,000 | 946 |
| To non-U.S. addressees | NA | NA |
| Loans to individuals | $-167,000 | 13,261 |
| Credit card loan net charge offs | $-131,000 | 13,282 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $-36,000 | 13,142 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1992-12-31 (YTD Data) | Rank | |
| Total charge-offs | $3,992,000 | 686 |
| Loans secured by real estate, total | $2,497,000 | 466 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $2,497,000 | 466 |
| Construction and land development | $0 | 1,669 |
| Secured by farmland | NA | NA |
| Total charge-offs secured by 1-4 family residential properties | $293,000 | 793 |
| Secured by multifamily residential properties | $421,000 | 244 |
| Secured by nonfarm nonresidential properties | $1,783,000 | 318 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $1,310,000 | 649 |
| Loans to individuals | $185,000 | 1,969 |
| Credit card loan charge offs | $113,000 | 813 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $72,000 | 3,336 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $493,000 | 925 |
| Loans secured by real estate, total | $70,000 | 1,230 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $70,000 | 1,230 |
| Construction and land development | $0 | 1,048 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties - total recoveries | $14,000 | 1,840 |
| Secured by multifamily residential properties | $0 | 476 |
| Secured by nonfarm nonresidential properties | $56,000 | 697 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $33,000 | 3,583 |
| Loans to individuals | $390,000 | 524 |
| Credit card loan recoveries | $228,000 | 255 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $162,000 | 775 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $3,499,000 | 663 |
| Loans secured by real estate, total | $2,427,000 | 439 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $2,427,000 | 439 |
| Construction and land development | $0 | 1,547 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties- net charge-offs | $279,000 | 715 |
| Secured by multifamily residential properties | $421,000 | 234 |
| Secured by nonfarm nonresidential properties | $1,727,000 | 302 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $1,277,000 | 560 |
| To non-U.S. addressees | NA | NA |
| Loans to individuals | $-205,000 | 13,930 |
| Credit card loan net charge offs | $-115,000 | 13,931 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $-90,000 | 13,901 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
* 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.