Home > SI Bank & Trust > Net charge- offs to loans
SI Bank & Trust, Net charge- offs to loans
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2062% | 1,909 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0186% | 1,667 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2281% | 317 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0111% | 8,204 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0112% | 8,209 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.2684% | 328 |
| Percentage Net Loans Charged-off: Loans to individuals | 20.5718% | 26 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,093 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 887 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0889% | 5,010 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0076% | 3,729 |
| Percentage Net Loans Charged-off:Construction & development | 0.0193% | 757 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0030% | 1,572 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0077% | 3,223 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0077% | 3,056 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1719% | 824 |
| Percentage Net Loans Charged-off: Loans to individuals | 6.0657% | 121 |
| Percentage Net Loans Charged-off: Credit card loans | 1.8514% | 1,234 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,856 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1292% | 3,814 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0108% | 3,039 |
| Percentage Net Loans Charged-off:Construction & development | 0.0259% | 587 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0015% | 8,361 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0116% | 2,616 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0117% | 2,496 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.6344% | 387 |
| Percentage Net Loans Charged-off: Loans to individuals | 7.9616% | 76 |
| Percentage Net Loans Charged-off: Credit card loans | 2.5632% | 961 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,617 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0694% | 4,550 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0281% | 2,202 |
| Percentage Net Loans Charged-off:Construction & development | 0.3976% | 245 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0054% | 8,444 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0182% | 2,070 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0183% | 1,980 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.4082% | 637 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6412% | 3,043 |
| Percentage Net Loans Charged-off: Credit card loans | 2.1512% | 980 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,407 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0960% | 3,418 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0467% | 1,466 |
| Percentage Net Loans Charged-off:Construction & development | 0.6961% | 129 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0564% | 8,757 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0340% | 1,337 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0342% | 1,267 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.0572% | 418 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5510% | 3,041 |
| Percentage Net Loans Charged-off: Credit card loans | -0.8611% | 2,668 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1527% | 4,266 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1141% | 1,684 |
| Percentage Net Loans Charged-off:Construction & development | -0.0075% | 8,028 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0317% | 1,337 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1308% | 1,415 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1314% | 1,398 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0852% | 1,779 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8147% | 1,029 |
| Percentage Net Loans Charged-off: Credit card loans | 9.0443% | 174 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,956 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0949% | 5,195 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0511% | 2,353 |
| Percentage Net Loans Charged-off:Construction & development | -0.0449% | 8,238 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0654% | 1,896 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0657% | 1,816 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3877% | 1,385 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2884% | 5,382 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9546% | 1,284 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,876 |
| 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 | 0.0355% | 6,213 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0022% | 919 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 426 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0026% | 863 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0026% | 804 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9422% | 258 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1390% | 1,195 |
| Percentage Net Loans Charged-off: Credit card loans | 0.6437% | 854 |
| 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 | 0.0131% | 7,366 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0071% | 1,311 |
| Percentage Net Loans Charged-off:Construction & development | -0.0652% | 1,383 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1006% | 201 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0182% | 1,417 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0183% | 1,417 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0711% | 1,325 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0386% | 432 |
| Percentage Net Loans Charged-off: Credit card loans | -0.5658% | 1,302 |
| 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 | 0.0415% | 6,629 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0069% | 870 |
| Percentage Net Loans Charged-off:Construction & development | -0.2819% | 1,358 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1609% | 191 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1037% | 105 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0029% | 1,267 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0029% | 1,266 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.7201% | 1,409 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.3210% | 120 |
| Percentage Net Loans Charged-off: Credit card loans | 4.0502% | 268 |
| 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 | 0.0191% | 7,769 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0108% | 836 |
| Percentage Net Loans Charged-off:Construction & development | 0.3898% | 90 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0209% | 416 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1764% | 136 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0130% | 1,340 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0131% | 1,338 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0432% | 1,215 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2925% | 1,070 |
| Percentage Net Loans Charged-off: Credit card loans | 0.6030% | 919 |
| 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 | 0.1938% | 4,157 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1363% | 361 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0350% | 1,259 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1731% | 233 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1748% | 223 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6513% | 277 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1651% | 440 |
| Percentage Net Loans Charged-off: Credit card loans | 14.1519% | 23 |
| 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 | 0.0638% | 6,568 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0596% | 634 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0335% | 1,277 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0726% | 447 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0736% | 431 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 798 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1281% | 1,198 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5512% | 650 |
| 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 | 0.0234% | 7,915 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0062% | 1,263 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 668 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0966% | 280 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0122% | 1,352 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0124% | 1,349 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 761 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4480% | 683 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2496% | 355 |
| 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 | 0.0831% | 7,469 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0333% | 989 |
| 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 | 0.1068% | 322 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0314% | 815 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0321% | 763 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 929 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7423% | 532 |
| 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 | 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 | 0.1994% | 7,276 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0905% | 963 |
| 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 | 0.1013% | 592 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1041% | 575 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,086 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3808% | 413 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 144 |