Home > First National Bank of Rochester > Loan Charge- Offs and Recoveries

First National Bank of Rochester, Loan Charge- Offs and Recoveries

1998-12-31 (YTD Data)Rank
Total charge-offs$742,0001,159
Loans secured by real estate, total$129,0001,084
To non-U.S. addressees$013
Real estate loans in domestic offices$129,0001,082
Construction and land development$0630
Secured by farmland$0328
Total charge-offs secured by 1-4 family residential properties$73,0001,005
Secured by multifamily residential properties$0335
Secured by nonfarm nonresidential properties$56,000663
Real estate loans in foreign officesNANA
Loans to depository institutions$021
To foreign banks$017
Loans to finance agricultural production and other loans to farmers$0187
Commercial and industrial loans$459,000687
Loans to individuals$154,0001,792
Credit card loan charge offs$78,000700
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$76,0002,578
Loans to foreign governments and official institutions$011
Other loans$0275
Lease financing receivables$0296
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Total recoveries$270,000935
Loans secured by real estate, total$41,0001,087
To non-U.S. addressees$010
Real estate loans in domestic offices$41,0001,087
Construction and land development$0460
Secured by farmland$0446
Secured by 1-4 family residential properties - total recoveries$37,000654
Secured by multifamily residential properties$0272
Secured by nonfarm nonresidential properties$4,0001,114
Real estate loans in foreign officesNANA
Loans to depository institutions$019
To foreign banks$013
Loans to finance agricultural production and other loans to farmers$0201
Commercial and industrial loans$174,000549
Loans to individuals$35,0002,111
Credit card loan recoveries$15,000646
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$20,0002,769
Loans to foreign governments and official institutions$014
Other loans$20,000151
Lease financing receivables$0264
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Net charge-offs$472,0001,314
Loans secured by real estate, total$88,0001,076
To non-U.S. addressees$012
Real estate loans in domestic offices$88,0001,074
Construction and land development$0552
Secured by farmland$0259
Secured by 1-4 family residential properties- net charge-offs$36,0001,300
Secured by multifamily residential properties$0283
Secured by nonfarm nonresidential properties$52,000524
Real estate loans in foreign officesNANA
Loans to depository institutions$021
To foreign banks$017
Loans to finance agricultural production and other loans to farmers$0152
Commercial and industrial loans$285,000846
To non-U.S. addressees$036
Loans to individuals$119,0001,696
Credit card loan net charge offs$63,000702
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$56,0002,409
Loans to foreign governments and official institutions$010
Other loans$-20,0001,094
Lease financing receivables$0278
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
1997-12-31 (YTD Data)Rank
Total charge-offs$409,0002,013
Loans secured by real estate, total$103,0001,395
To non-U.S. addressees$011
Real estate loans in domestic offices$103,0001,395
Construction and land development$0676
Secured by farmland$0358
Total charge-offs secured by 1-4 family residential properties$91,000952
Secured by multifamily residential properties$0405
Secured by nonfarm nonresidential properties$12,0001,335
Real estate loans in foreign officesNANA
Loans to depository institutions$018
To foreign banks$010
Loans to finance agricultural production and other loans to farmers$0200
Commercial and industrial loans$164,0001,629
Loans to individuals$142,0002,013
Credit card loan charge offs$66,000830
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$76,0002,694
Loans to foreign governments and official institutions$07
Other loans$0270
Lease financing receivables$0317
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Total recoveries$238,0001,176
Loans secured by real estate, total$68,000913
To non-U.S. addressees$012
Real estate loans in domestic offices$68,000913
Construction and land development$0513
Secured by farmland$0504
Secured by 1-4 family residential properties - total recoveries$60,000523
Secured by multifamily residential properties$0333
Secured by nonfarm nonresidential properties$8,0001,084
Real estate loans in foreign officesNANA
Loans to depository institutions$028
To foreign banks$018
Loans to finance agricultural production and other loans to farmers$0218
Commercial and industrial loans$96,0001,032
Loans to individuals$54,0001,549
Credit card loan recoveries$21,000546
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$33,0002,028
Loans to foreign governments and official institutions$027
Other loans$20,000160
Lease financing receivables$0286
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Net charge-offs$171,0002,806
Loans secured by real estate, total$35,0001,934
To non-U.S. addressees$010
Real estate loans in domestic offices$35,0001,932
Construction and land development$0590
Secured by farmland$0284
Secured by 1-4 family residential properties- net charge-offs$31,0001,517
Secured by multifamily residential properties$0354
Secured by nonfarm nonresidential properties$4,0001,278
Real estate loans in foreign officesNANA
Loans to depository institutions$016
To foreign banks$08
Loans to finance agricultural production and other loans to farmers$0139
Commercial and industrial loans$68,0002,232
To non-U.S. addressees$021
Loans to individuals$88,0002,236
Credit card loan net charge offs$45,000953
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$43,0003,011
Loans to foreign governments and official institutions$07
Other loans$-20,0001,107
Lease financing receivables$0291
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
1996-12-31 (YTD Data)Rank
Total charge-offs$558,0001,683
Loans secured by real estate, total$41,0002,411
To non-U.S. addressees$010
Real estate loans in domestic offices$41,0002,411
Construction and land development$0737
Secured by farmland$0391
Total charge-offs secured by 1-4 family residential properties$41,0001,652
Secured by multifamily residential properties$0460
Secured by nonfarm nonresidential properties$01,929
Real estate loans in foreign officesNANA
Loans to depository institutions$023
To foreign banks$012
Loans to finance agricultural production and other loans to farmers$0223
Commercial and industrial loans$385,000827
Loans to individuals$132,0002,121
Credit card loan charge offs$84,000770
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$48,0003,477
Loans to foreign governments and official institutions$011
Other loans$0308
Lease financing receivables$0355
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Total recoveries$478,000788
Loans secured by real estate, total$213,000500
To non-U.S. addressees$08
Real estate loans in domestic offices$213,000500
Construction and land development$0613
Secured by farmland$0587
Secured by 1-4 family residential properties - total recoveries$39,000767
Secured by multifamily residential properties$30,000180
Secured by nonfarm nonresidential properties$144,000380
Real estate loans in foreign officesNANA
Loans to depository institutions$032
To foreign banks$018
Loans to finance agricultural production and other loans to farmers$0231
Commercial and industrial loans$116,000966
Loans to individuals$129,000875
Credit card loan recoveries$18,000655
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$111,000830
Loans to foreign governments and official institutions$032
Other loans$20,000202
Lease financing receivables$0294
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Net charge-offs$80,0004,367
Loans secured by real estate, total$-172,00011,304
To non-U.S. addressees$07
Real estate loans in domestic offices$-172,00011,329
Construction and land development$0634
Secured by farmland$0311
Secured by 1-4 family residential properties- net charge-offs$2,0003,286
Secured by multifamily residential properties$-30,00011,362
Secured by nonfarm nonresidential properties$-144,00011,283
Real estate loans in foreign officesNANA
Loans to depository institutions$020
To foreign banks$010
Loans to finance agricultural production and other loans to farmers$0178
Commercial and industrial loans$269,000826
To non-U.S. addressees$022
Loans to individuals$3,0007,412
Credit card loan net charge offs$66,000787
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$-63,00011,415
Loans to foreign governments and official institutions$05
Other loans$-20,0001,146
Lease financing receivables$0316
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
1995-12-31 (YTD Data)Rank
Total charge-offs$1,033,0001,097
Loans secured by real estate, total$851,000522
To non-U.S. addressees$015
Real estate loans in domestic offices$851,000521
Construction and land development$0883
Secured by farmland$0381
Total charge-offs secured by 1-4 family residential properties$117,000994
Secured by multifamily residential properties$311,000178
Secured by nonfarm nonresidential properties$423,000424
Real estate loans in foreign officesNANA
Loans to depository institutions$023
To foreign banks$020
Loans to finance agricultural production and other loans to farmers$0186
Commercial and industrial loans$50,0003,483
Loans to individuals$132,0001,904
Credit card loan charge offs$87,000758
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$45,0003,373
Loans to foreign governments and official institutions$015
Other loans$0360
Lease financing receivables$0341
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Total recoveries$357,000976
Loans secured by real estate, total$27,0001,839
To non-U.S. addressees$013
Real estate loans in domestic offices$27,0001,838
Construction and land development$0688
Secured by farmland$0623
Secured by 1-4 family residential properties - total recoveries$21,0001,200
Secured by multifamily residential properties$0496
Secured by nonfarm nonresidential properties$6,0001,498
Real estate loans in foreign officesNANA
Loans to depository institutions$032
To foreign banks$020
Loans to finance agricultural production and other loans to farmers$0227
Commercial and industrial loans$175,000727
Loans to individuals$140,000833
Credit card loan recoveries$28,000562
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$112,000827
Loans to foreign governments and official institutions$030
Other loans$15,000231
Lease financing receivables$0322
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Net charge-offs$676,0001,139
Loans secured by real estate, total$824,000423
To non-U.S. addressees$012
Real estate loans in domestic offices$824,000422
Construction and land development$0772
Secured by farmland$0306
Secured by 1-4 family residential properties- net charge-offs$96,000925
Secured by multifamily residential properties$311,000165
Secured by nonfarm nonresidential properties$417,000352
Real estate loans in foreign officesNANA
Loans to depository institutions$019
To foreign banks$018
Loans to finance agricultural production and other loans to farmers$0130
Commercial and industrial loans$-125,00011,660
To non-U.S. addressees$022
Loans to individuals$-8,00011,561
Credit card loan net charge offs$59,000793
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$-67,00011,911
Loans to foreign governments and official institutions$011
Other loans$-15,0001,151
Lease financing receivables$0281
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
1994-12-31 (YTD Data)Rank
Total charge-offs$1,356,000943
Loans secured by real estate, total$1,122,000500
To non-U.S. addressees$013
Real estate loans in domestic offices$1,122,000500
Construction and land development$0994
Secured by farmland$0491
Total charge-offs secured by 1-4 family residential properties$329,000531
Secured by multifamily residential properties$11,000566
Secured by nonfarm nonresidential properties$782,000332
Real estate loans in foreign officesNANA
Loans to depository institutions$018
To foreign banks$013
Loans to finance agricultural production and other loans to farmers$0188
Commercial and industrial loans$59,0003,334
Loans to individuals$161,0001,570
Credit card loan charge offs$93,000713
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$68,0002,543
Loans to foreign governments and official institutions$015
Other loans$14,000266
Lease financing receivables$0332
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Total recoveries$995,000552
Loans secured by real estate, total$16,0002,665
To non-U.S. addressees$012
Real estate loans in domestic offices$16,0002,665
Construction and land development$0797
Secured by farmland$0744
Secured by 1-4 family residential properties - total recoveries$9,0002,054
Secured by multifamily residential properties$0504
Secured by nonfarm nonresidential properties$7,0001,641
Real estate loans in foreign officesNANA
Loans to depository institutions$033
To foreign banks$021
Loans to finance agricultural production and other loans to farmers$0235
Commercial and industrial loans$850,000277
Loans to individuals$129,000927
Credit card loan recoveries$41,000506
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$88,0001,072
Loans to foreign governments and official institutions$034
Other loans$0356
Lease financing receivables$0351
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Net charge-offs$361,0001,682
Loans secured by real estate, total$1,106,000415
To non-U.S. addressees$09
Real estate loans in domestic offices$1,106,000415
Construction and land development$0849
Secured by farmland$0385
Secured by 1-4 family residential properties- net charge-offs$320,000452
Secured by multifamily residential properties$11,000527
Secured by nonfarm nonresidential properties$775,000282
Real estate loans in foreign officesNANA
Loans to depository institutions$014
To foreign banks$011
Loans to finance agricultural production and other loans to farmers$0130
Commercial and industrial loans$-791,00012,519
To non-U.S. addressees$026
Loans to individuals$32,0003,340
Credit card loan net charge offs$52,000818
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$-20,00012,270
Loans to foreign governments and official institutions$09
Other loans$14,000203
Lease financing receivables$0251
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
1993-12-31 (YTD Data)Rank
Total charge-offs$674,0001,845
Loans secured by real estate, total$355,0001,247
To non-U.S. addressees$019
Real estate loans in domestic offices$355,0001,246
Construction and land development$24,000898
Secured by farmland$9,000449
Total charge-offs secured by 1-4 family residential properties$105,0001,352
Secured by multifamily residential properties$0764
Secured by nonfarm nonresidential properties$217,000879
Real estate loans in foreign officesNANA
Loans to depository institutions$028
To foreign banks$017
Loans to finance agricultural production and other loans to farmers$0175
Commercial and industrial loans$92,0003,278
Loans to individuals$227,0001,375
Credit card loan charge offs$127,000680
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$100,0002,152
Loans to foreign governments and official institutions$034
Other loans$0371
Lease financing receivables$0379
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Total recoveries$850,000629
Loans secured by real estate, total$297,000481
To non-U.S. addressees$016
Real estate loans in domestic offices$297,000480
Construction and land development$0926
Secured by farmland$0821
Secured by 1-4 family residential properties - total recoveries$126,000342
Secured by multifamily residential properties$0535
Secured by nonfarm nonresidential properties$171,000401
Real estate loans in foreign officesNANA
Loans to depository institutions$043
To foreign banks$026
Loans to finance agricultural production and other loans to farmers$0220
Commercial and industrial loans$393,000479
Loans to individuals$160,000834
Credit card loan recoveries$45,000492
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$115,000931
Loans to foreign governments and official institutions$038
Other loans$0355
Lease financing receivables$0365
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Net charge-offs$-176,00013,084
Loans secured by real estate, total$58,0002,627
To non-U.S. addressees$018
Real estate loans in domestic offices$58,0002,626
Construction and land development$24,000798
Secured by farmland$9,000365
Secured by 1-4 family residential properties- net charge-offs$-21,00012,922
Secured by multifamily residential properties$0715
Secured by nonfarm nonresidential properties$46,0001,573
Real estate loans in foreign officesNANA
Loans to depository institutions$016
To foreign banks$011
Loans to finance agricultural production and other loans to farmers$0121
Commercial and industrial loans$-301,00013,155
To non-U.S. addressees$036
Loans to individuals$67,0002,359
Credit card loan net charge offs$82,000739
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$-15,00012,882
Loans to foreign governments and official institutions$028
Other loans$0299
Lease financing receivables$0315
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
1992-12-31 (YTD Data)Rank
Total charge-offs$3,589,000737
Loans secured by real estate, total$813,000971
To non-U.S. addressees$017
Real estate loans in domestic offices$813,000971
Construction and land development$01,669
Secured by farmland$0904
Total charge-offs secured by 1-4 family residential properties$511,000520
Secured by multifamily residential properties$0893
Secured by nonfarm nonresidential properties$302,000991
Real estate loans in foreign officesNANA
Loans to depository institutions$043
To foreign banks$020
Loans to finance agricultural production and other loans to farmers$0201
Commercial and industrial loans$2,049,000452
Loans to individuals$641,000846
Credit card loan charge offs$195,000646
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$446,000827
Loans to foreign governments and official institutions$043
Other loans$86,000200
Lease financing receivables$0464
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Total recoveries$540,000867
Loans secured by real estate, total$50,0001,558
To non-U.S. addressees$07
Real estate loans in domestic offices$50,0001,558
Construction and land development$01,048
Secured by farmland$0870
Secured by 1-4 family residential properties - total recoveries$46,000787
Secured by multifamily residential properties$0476
Secured by nonfarm nonresidential properties$4,0001,866
Real estate loans in foreign officesNANA
Loans to depository institutions$052
To foreign banks$028
Loans to finance agricultural production and other loans to farmers$0217
Commercial and industrial loans$201,000870
Loans to individuals$237,000694
Credit card loan recoveries$42,000526
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$195,000660
Loans to foreign governments and official institutions$047
Other loans$52,000151
Lease financing receivables$0397
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Net charge-offs$3,049,000722
Loans secured by real estate, total$763,000935
To non-U.S. addressees$017
Real estate loans in domestic offices$763,000935
Construction and land development$01,547
Secured by farmland$0773
Secured by 1-4 family residential properties- net charge-offs$465,000486
Secured by multifamily residential properties$0849
Secured by nonfarm nonresidential properties$298,000929
Real estate loans in foreign officesNANA
Loans to depository institutions$036
To foreign banks$015
Loans to finance agricultural production and other loans to farmers$0152
Commercial and industrial loans$1,848,000415
To non-U.S. addressees$050
Loans to individuals$404,000917
Credit card loan net charge offs$153,000655
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$251,000935
Loans to foreign governments and official institutions$037
Other loans$34,000210
Lease financing receivables$0406
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA

* 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.