Home > Mechanics Savings Bank > Net charge- offs to loans
Mechanics Savings Bank, Net charge- offs to loans
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1781% | 3,512 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0333% | 569 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0605% | 1,348 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.9724% | 25 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0266% | 680 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0112% | 1,288 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0273% | 637 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7379% | 277 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3036% | 316 |
| 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% | 415 |
| 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 | 0.3794% | 1,971 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3612% | 69 |
| Percentage Net Loans Charged-off:Construction & development | -0.2160% | 1,347 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0428% | 341 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.2975% | 69 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4531% | 48 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0464% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4575% | 50 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3576% | 451 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6189% | 746 |
| 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 | 0.0000% | 409 |
| 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 | 0.5601% | 1,322 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5699% | 37 |
| Percentage Net Loans Charged-off:Construction & development | -1.4337% | 1,378 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8631% | 45 |
| Percentage Net Loans Charged-off: Multi-family residential | 4.9613% | 8 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3583% | 67 |
| Percentage Net Loans Charged-off: Home equity loans | 2.1115% | 21 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3453% | 71 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4422% | 366 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4930% | 900 |
| 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 | 1.9768% | 275 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.9948% | 14 |
| Percentage Net Loans Charged-off:Construction & development | 0.2712% | 137 |
| Percentage Net Loans Charged-off: Commercial real estate | 4.6931% | 8 |
| Percentage Net Loans Charged-off: Multi-family residential | 10.1033% | 9 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8291% | 34 |
| Percentage Net Loans Charged-off: Home equity loans | 10.9944% | 5 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7624% | 35 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0316% | 80 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3490% | 368 |
| 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 | 1.5445% | 349 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5624% | 39 |
| Percentage Net Loans Charged-off:Construction & development | -0.4797% | 1,411 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.5938% | 23 |
| Percentage Net Loans Charged-off: Multi-family residential | 9.6001% | 8 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4690% | 83 |
| Percentage Net Loans Charged-off: Home equity loans | 9.8094% | 3 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3837% | 117 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6963% | 245 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.5828% | 103 |
| 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 | 0.0000% | 433 |
| 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 | 1.4790% | 414 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4948% | 61 |
| Percentage Net Loans Charged-off:Construction & development | 0.9776% | 146 |
| Percentage Net Loans Charged-off: Commercial real estate | 5.5090% | 18 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.4960% | 77 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1588% | 295 |
| Percentage Net Loans Charged-off: Home equity loans | 1.9767% | 14 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0536% | 539 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3828% | 400 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.0431% | 63 |
| 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 | 3.2020% | 28 |
| 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 | 2.1771% | 399 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.0321% | 79 |
| Percentage Net Loans Charged-off:Construction & development | 16.5986% | 30 |
| Percentage Net Loans Charged-off: Commercial real estate | 5.1664% | 50 |
| Percentage Net Loans Charged-off: Multi-family residential | 9.0746% | 23 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2265% | 291 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4741% | 113 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2069% | 318 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.8670% | 69 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4391% | 804 |
| 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 | 1.4269% | 1,296 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8938% | 285 |
| Percentage Net Loans Charged-off:Construction & development | 1.6318% | 308 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.0100% | 219 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.8147% | 131 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4279% | 195 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2802% | 33 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3529% | 256 |
| Percentage Net Loans Charged-off: Commercial and industrial | 13.0974% | 40 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0249% | 564 |
| 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 | 1.2984% | 97 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |