Home > Concord Savings Bank > Loan Charge- Offs and Recoveries
Concord Savings Bank, Loan Charge- Offs and Recoveries
| 1996-12-31 (YTD Data) | Rank | |
| Total charge-offs | $1,328,000 | 927 |
| Loans secured by real estate, total | $482,000 | 640 |
| To non-U.S. addressees | $0 | 10 |
| Real estate loans in domestic offices | $482,000 | 640 |
| Construction and land development | $0 | 737 |
| Secured by farmland | $0 | 391 |
| Total charge-offs secured by 1-4 family residential properties | $174,000 | 691 |
| Secured by multifamily residential properties | $0 | 460 |
| Secured by nonfarm nonresidential properties | $308,000 | 405 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 23 |
| To foreign banks | $0 | 12 |
| Loans to finance agricultural production and other loans to farmers | $0 | 223 |
| Commercial and industrial loans | $77,000 | 2,850 |
| Loans to individuals | $769,000 | 685 |
| Credit card loan charge offs | $15,000 | 1,901 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $754,000 | 530 |
| Loans to foreign governments and official institutions | $0 | 11 |
| Other loans | $0 | 308 |
| Lease financing receivables | $0 | 355 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $295,000 | 1,116 |
| Loans secured by real estate, total | $138,000 | 679 |
| To non-U.S. addressees | $0 | 8 |
| Real estate loans in domestic offices | $138,000 | 679 |
| Construction and land development | $10,000 | 359 |
| Secured by farmland | $0 | 587 |
| Secured by 1-4 family residential properties - total recoveries | $58,000 | 584 |
| Secured by multifamily residential properties | $48,000 | 150 |
| Secured by nonfarm nonresidential properties | $22,000 | 918 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 32 |
| To foreign banks | $0 | 18 |
| Loans to finance agricultural production and other loans to farmers | $0 | 231 |
| Commercial and industrial loans | $7,000 | 4,774 |
| Loans to individuals | $150,000 | 797 |
| Credit card loan recoveries | $3,000 | 1,534 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $147,000 | 674 |
| Loans to foreign governments and official institutions | $0 | 32 |
| Other loans | $0 | 331 |
| Lease financing receivables | $0 | 294 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $1,033,000 | 883 |
| Loans secured by real estate, total | $344,000 | 607 |
| To non-U.S. addressees | $0 | 7 |
| Real estate loans in domestic offices | $344,000 | 606 |
| Construction and land development | $-10,000 | 11,228 |
| Secured by farmland | $0 | 311 |
| Secured by 1-4 family residential properties- net charge-offs | $116,000 | 748 |
| Secured by multifamily residential properties | $-48,000 | 11,381 |
| Secured by nonfarm nonresidential properties | $286,000 | 320 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 20 |
| To foreign banks | $0 | 10 |
| Loans to finance agricultural production and other loans to farmers | $0 | 178 |
| Commercial and industrial loans | $70,000 | 2,275 |
| To non-U.S. addressees | $0 | 22 |
| Loans to individuals | $619,000 | 649 |
| Credit card loan net charge offs | $12,000 | 1,897 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $607,000 | 480 |
| Loans to foreign governments and official institutions | $0 | 5 |
| Other loans | $0 | 263 |
| Lease financing receivables | $0 | 316 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1995-12-31 (YTD Data) | Rank | |
| Total charge-offs | $1,296,000 | 955 |
| Loans secured by real estate, total | $429,000 | 784 |
| To non-U.S. addressees | $0 | 15 |
| Real estate loans in domestic offices | $429,000 | 783 |
| Construction and land development | $0 | 883 |
| Secured by farmland | $0 | 381 |
| Total charge-offs secured by 1-4 family residential properties | $409,000 | 406 |
| Secured by multifamily residential properties | $0 | 559 |
| Secured by nonfarm nonresidential properties | $20,000 | 1,555 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 23 |
| To foreign banks | $0 | 20 |
| Loans to finance agricultural production and other loans to farmers | $0 | 186 |
| Commercial and industrial loans | $6,000 | 6,319 |
| Loans to individuals | $861,000 | 603 |
| Credit card loan charge offs | $9,000 | 2,155 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $852,000 | 439 |
| Loans to foreign governments and official institutions | $0 | 15 |
| Other loans | $0 | 360 |
| Lease financing receivables | $0 | 341 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $558,000 | 719 |
| Loans secured by real estate, total | $345,000 | 377 |
| To non-U.S. addressees | $0 | 13 |
| Real estate loans in domestic offices | $345,000 | 376 |
| Construction and land development | $0 | 688 |
| Secured by farmland | $0 | 623 |
| Secured by 1-4 family residential properties - total recoveries | $72,000 | 504 |
| Secured by multifamily residential properties | $31,000 | 221 |
| Secured by nonfarm nonresidential properties | $242,000 | 298 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 32 |
| To foreign banks | $0 | 20 |
| Loans to finance agricultural production and other loans to farmers | $0 | 227 |
| Commercial and industrial loans | $25,000 | 3,035 |
| Loans to individuals | $188,000 | 683 |
| Credit card loan recoveries | $1,000 | 2,129 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $187,000 | 591 |
| Loans to foreign governments and official institutions | $0 | 30 |
| Other loans | $0 | 383 |
| Lease financing receivables | $0 | 322 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $738,000 | 1,080 |
| Loans secured by real estate, total | $84,000 | 1,541 |
| To non-U.S. addressees | $0 | 12 |
| Real estate loans in domestic offices | $84,000 | 1,540 |
| Construction and land development | $0 | 772 |
| Secured by farmland | $0 | 306 |
| Secured by 1-4 family residential properties- net charge-offs | $337,000 | 388 |
| Secured by multifamily residential properties | $-31,000 | 11,864 |
| Secured by nonfarm nonresidential properties | $-222,000 | 11,856 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 19 |
| To foreign banks | $0 | 18 |
| Loans to finance agricultural production and other loans to farmers | $0 | 130 |
| Commercial and industrial loans | $-19,000 | 10,719 |
| To non-U.S. addressees | $0 | 22 |
| Loans to individuals | $673,000 | 554 |
| Credit card loan net charge offs | $8,000 | 2,029 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $665,000 | 377 |
| Loans to foreign governments and official institutions | $0 | 11 |
| Other loans | $0 | 309 |
| Lease financing receivables | $0 | 281 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1994-12-31 (YTD Data) | Rank | |
| Total charge-offs | $1,419,000 | 914 |
| Loans secured by real estate, total | $664,000 | 691 |
| To non-U.S. addressees | $0 | 13 |
| Real estate loans in domestic offices | $664,000 | 691 |
| Construction and land development | $0 | 994 |
| Secured by farmland | $0 | 491 |
| Total charge-offs secured by 1-4 family residential properties | $577,000 | 358 |
| Secured by multifamily residential properties | $0 | 659 |
| Secured by nonfarm nonresidential properties | $87,000 | 1,070 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 18 |
| To foreign banks | $0 | 13 |
| Loans to finance agricultural production and other loans to farmers | $0 | 188 |
| Commercial and industrial loans | $4,000 | 6,975 |
| Loans to individuals | $751,000 | 583 |
| Credit card loan charge offs | $7,000 | 2,262 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $744,000 | 418 |
| Loans to foreign governments and official institutions | $0 | 15 |
| Other loans | $0 | 345 |
| Lease financing receivables | $0 | 332 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $462,000 | 897 |
| Loans secured by real estate, total | $271,000 | 498 |
| To non-U.S. addressees | $0 | 12 |
| Real estate loans in domestic offices | $271,000 | 497 |
| Construction and land development | $0 | 797 |
| Secured by farmland | $0 | 744 |
| Secured by 1-4 family residential properties - total recoveries | $74,000 | 543 |
| Secured by multifamily residential properties | $144,000 | 94 |
| Secured by nonfarm nonresidential properties | $53,000 | 766 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 33 |
| To foreign banks | $0 | 21 |
| Loans to finance agricultural production and other loans to farmers | $0 | 235 |
| Commercial and industrial loans | $47,000 | 2,444 |
| Loans to individuals | $144,000 | 840 |
| Credit card loan recoveries | $2,000 | 1,785 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $142,000 | 727 |
| Loans to foreign governments and official institutions | $0 | 34 |
| Other loans | $0 | 356 |
| Lease financing receivables | $0 | 351 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $957,000 | 890 |
| Loans secured by real estate, total | $393,000 | 763 |
| To non-U.S. addressees | $0 | 9 |
| Real estate loans in domestic offices | $393,000 | 763 |
| Construction and land development | $0 | 849 |
| Secured by farmland | $0 | 385 |
| Secured by 1-4 family residential properties- net charge-offs | $503,000 | 325 |
| Secured by multifamily residential properties | $-144,000 | 12,577 |
| Secured by nonfarm nonresidential properties | $34,000 | 1,324 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 14 |
| To foreign banks | $0 | 11 |
| Loans to finance agricultural production and other loans to farmers | $0 | 130 |
| Commercial and industrial loans | $-43,000 | 11,672 |
| To non-U.S. addressees | $0 | 26 |
| Loans to individuals | $607,000 | 502 |
| Credit card loan net charge offs | $5,000 | 2,259 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $602,000 | 302 |
| Loans to foreign governments and official institutions | $0 | 9 |
| Other loans | $0 | 276 |
| Lease financing receivables | $0 | 251 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1993-12-31 (YTD Data) | Rank | |
| Total charge-offs | $2,380,000 | 802 |
| Loans secured by real estate, total | $1,571,000 | 532 |
| To non-U.S. addressees | $0 | 19 |
| Real estate loans in domestic offices | $1,571,000 | 530 |
| Construction and land development | $0 | 1,259 |
| Secured by farmland | $0 | 674 |
| Total charge-offs secured by 1-4 family residential properties | $468,000 | 496 |
| Secured by multifamily residential properties | $88,000 | 419 |
| Secured by nonfarm nonresidential properties | $1,015,000 | 381 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 28 |
| To foreign banks | $0 | 17 |
| Loans to finance agricultural production and other loans to farmers | $0 | 175 |
| Commercial and industrial loans | $62,000 | 4,046 |
| Loans to individuals | $747,000 | 636 |
| Credit card loan charge offs | $11,000 | 2,047 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $736,000 | 466 |
| Loans to foreign governments and official institutions | $0 | 34 |
| Other loans | $0 | 371 |
| Lease financing receivables | $0 | 379 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $481,000 | 940 |
| Loans secured by real estate, total | $326,000 | 458 |
| To non-U.S. addressees | $0 | 16 |
| Real estate loans in domestic offices | $326,000 | 457 |
| Construction and land development | $0 | 926 |
| Secured by farmland | $0 | 821 |
| Secured by 1-4 family residential properties - total recoveries | $72,000 | 563 |
| Secured by multifamily residential properties | $44,000 | 206 |
| Secured by nonfarm nonresidential properties | $210,000 | 345 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 43 |
| To foreign banks | $0 | 26 |
| Loans to finance agricultural production and other loans to farmers | $0 | 220 |
| Commercial and industrial loans | $38,000 | 3,112 |
| Loans to individuals | $117,000 | 1,065 |
| Credit card loan recoveries | $5,000 | 1,336 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $112,000 | 947 |
| Loans to foreign governments and official institutions | $0 | 38 |
| Other loans | $0 | 355 |
| Lease financing receivables | $0 | 365 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $1,899,000 | 747 |
| Loans secured by real estate, total | $1,245,000 | 533 |
| To non-U.S. addressees | $0 | 18 |
| Real estate loans in domestic offices | $1,245,000 | 532 |
| Construction and land development | $0 | 1,117 |
| Secured by farmland | $0 | 548 |
| Secured by 1-4 family residential properties- net charge-offs | $396,000 | 480 |
| Secured by multifamily residential properties | $44,000 | 495 |
| Secured by nonfarm nonresidential properties | $805,000 | 387 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 16 |
| To foreign banks | $0 | 11 |
| Loans to finance agricultural production and other loans to farmers | $0 | 121 |
| Commercial and industrial loans | $24,000 | 4,514 |
| To non-U.S. addressees | $0 | 36 |
| Loans to individuals | $630,000 | 542 |
| Credit card loan net charge offs | $6,000 | 2,292 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $624,000 | 352 |
| Loans to foreign governments and official institutions | $0 | 28 |
| Other loans | $0 | 299 |
| Lease financing receivables | $0 | 315 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1992-12-31 (YTD Data) | Rank | |
| Total charge-offs | $2,758,000 | 907 |
| Loans secured by real estate, total | $1,750,000 | 604 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $1,750,000 | 604 |
| Construction and land development | $0 | 1,669 |
| Secured by farmland | $0 | 904 |
| Total charge-offs secured by 1-4 family residential properties | $518,000 | 515 |
| Secured by multifamily residential properties | $690,000 | 180 |
| Secured by nonfarm nonresidential properties | $542,000 | 701 |
| 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 | $21,000 | 7,288 |
| Loans to individuals | $987,000 | 659 |
| Credit card loan charge offs | $13,000 | 2,089 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $974,000 | 489 |
| Loans to foreign governments and official institutions | $0 | 43 |
| Other loans | NA | NA |
| Lease financing receivables | $0 | 464 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | $0 | 1,961 |
| Total recoveries | $494,000 | 921 |
| Loans secured by real estate, total | $281,000 | 474 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $281,000 | 474 |
| Construction and land development | $0 | 1,048 |
| Secured by farmland | $0 | 870 |
| Secured by 1-4 family residential properties - total recoveries | $91,000 | 430 |
| Secured by multifamily residential properties | $83,000 | 106 |
| Secured by nonfarm nonresidential properties | $107,000 | 478 |
| 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 | $140,000 | 1,184 |
| Loans to individuals | $73,000 | 1,587 |
| Credit card loan recoveries | $4,000 | 1,507 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $69,000 | 1,485 |
| Loans to foreign governments and official institutions | $0 | 47 |
| Other loans | NA | NA |
| Lease financing receivables | $0 | 397 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | $0 | 2,110 |
| Net charge-offs | $2,264,000 | 893 |
| Loans secured by real estate, total | $1,469,000 | 612 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $1,469,000 | 612 |
| Construction and land development | $0 | 1,547 |
| Secured by farmland | $0 | 773 |
| Secured by 1-4 family residential properties- net charge-offs | $427,000 | 520 |
| Secured by multifamily residential properties | $607,000 | 187 |
| Secured by nonfarm nonresidential properties | $435,000 | 744 |
| 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 | $-119,000 | 13,719 |
| To non-U.S. addressees | NA | NA |
| Loans to individuals | $914,000 | 566 |
| Credit card loan net charge offs | $9,000 | 2,193 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $905,000 | 373 |
| Loans to foreign governments and official institutions | $0 | 37 |
| Other loans | NA | NA |
| Lease financing receivables | $0 | 406 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | $0 | 1,543 |
* 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.