Home > First National Bank of Central California > Net charge- offs to loans
First National Bank of Central California, Net charge- offs to loans
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2699% | 2,928 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0906% | 1,778 |
| Percentage Net Loans Charged-off:Construction & development | 0.0860% | 606 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.0416% | 53 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0406% | 2,264 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0623% | 1,869 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6829% | 2,284 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8314% | 2,779 |
| Percentage Net Loans Charged-off: Credit card loans | 12.8731% | 106 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4560% | 1,046 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2203% | 2,924 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0100% | 1,367 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0453% | 1,409 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0911% | 273 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1344% | 187 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9511% | 256 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2594% | 1,056 |
| Percentage Net Loans Charged-off: Credit card loans | 3.1815% | 289 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0226% | 354 |
| 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 | 0.0335% | 6,574 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0381% | 1,427 |
| Percentage Net Loans Charged-off:Construction & development | -0.0064% | 1,331 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 415 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.2824% | 1,514 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | -0.4366% | 1,518 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2516% | 606 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0207% | 1,355 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 985 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0274% | 382 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1297% | 4,538 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0144% | 1,301 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 457 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0281% | 1,296 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0964% | 1,442 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1301% | 1,446 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0349% | 885 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0803% | 444 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 973 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.6430% | 47 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1431% | 4,652 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0780% | 417 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0084% | 455 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4371% | 57 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7596% | 27 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3800% | 416 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0788% | 1,259 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 985 |
| 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 | NA | NA |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1739% | 4,455 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0251% | 743 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0544% | 420 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0553% | 1,481 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1166% | 1,494 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5800% | 301 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5830% | 826 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,056 |
| 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 | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0862% | 5,979 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0571% | 646 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0104% | 1,202 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2949% | 148 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0928% | 240 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5173% | 74 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1738% | 545 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 1,350 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,020 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2551% | 202 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0888% | 5,970 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0008% | 1,079 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0078% | 653 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0154% | 1,364 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0308% | 1,401 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2356% | 492 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6953% | 455 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 989 |
| 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 | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4121% | 3,258 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1668% | 615 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0320% | 1,367 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5896% | 126 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2237% | 193 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9321% | 74 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7721% | 435 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8846% | 198 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,000 |
| 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 | NA | NA |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3866% | 5,193 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1659% | 805 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 639 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1315% | 811 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 418 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2817% | 300 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4907% | 177 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9378% | 605 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8221% | 690 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,026 |
| 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 | NA | NA |