Home > Richmond County Savings Bank > Net charge- offs to loans
Richmond County Savings Bank, Net charge- offs to loans
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0231% | 6,612 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0090% | 780 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0531% | 258 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0099% | 758 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0102% | 708 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2740% | 186 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7729% | 544 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3021% | 694 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 385 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0191% | 7,113 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0073% | 889 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0551% | 255 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0047% | 925 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0048% | 880 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3226% | 531 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1788% | 366 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5058% | 896 |
| 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 | 0.0441% | 6,570 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0181% | 721 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1620% | 189 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0062% | 841 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0064% | 786 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0501% | 1,261 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1098% | 428 |
| Percentage Net Loans Charged-off: Credit card loans | 2.5803% | 486 |
| 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 | 0.0975% | 5,551 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0466% | 537 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0725% | 313 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0463% | 561 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0481% | 511 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7300% | 254 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0741% | 509 |
| Percentage Net Loans Charged-off: Credit card loans | 1.8692% | 695 |
| 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 | 0.0794% | 6,224 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0340% | 689 |
| Percentage Net Loans Charged-off:Construction & development | 0.3900% | 117 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0183% | 502 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0234% | 719 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0247% | 679 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 891 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9044% | 587 |
| Percentage Net Loans Charged-off: Credit card loans | 0.1249% | 1,041 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| 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 | 0.0856% | 6,000 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0924% | 521 |
| Percentage Net Loans Charged-off:Construction & development | 0.4383% | 159 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0368% | 546 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0893% | 393 |
| Percentage Net Loans Charged-off: Home equity loans | -0.3734% | 1,352 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1150% | 331 |
| Percentage Net Loans Charged-off: Commercial and industrial | -5.4898% | 1,432 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5170% | 764 |
| Percentage Net Loans Charged-off: Credit card loans | 0.9467% | 835 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| 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 | 0.0951% | 5,839 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0812% | 633 |
| Percentage Net Loans Charged-off:Construction & development | 1.3530% | 124 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 668 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0611% | 533 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1040% | 1,261 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0713% | 490 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 761 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3485% | 800 |
| 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 | NA | NA |
| 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 | 0.3954% | 3,368 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3341% | 417 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 834 |
| Percentage Net Loans Charged-off: Multi-family residential | 85.5249% | 1 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1145% | 472 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1024% | 1,292 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1309% | 430 |
| Percentage Net Loans Charged-off: Commercial and industrial | 11.9635% | 38 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6369% | 611 |
| Percentage Net Loans Charged-off: Credit card loans | -1.2327% | 1,295 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| 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 | 0.4044% | 5,033 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0977% | 951 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 639 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 967 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 418 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1143% | 563 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1249% | 527 |
| Percentage Net Loans Charged-off: Commercial and industrial | 27.8978% | 15 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7824% | 729 |
| Percentage Net Loans Charged-off: Credit card loans | 3.0970% | 409 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |