Home > State Savings Bank > Loan Charge- Offs and Recoveries
State Savings Bank, Loan Charge- Offs and Recoveries
| 1997-12-31 (YTD Data) | Rank | |
| Total charge-offs | $1,844,000 | 655 |
| Loans secured by real estate, total | $1,076,000 | 287 |
| To non-U.S. addressees | $0 | 11 |
| Real estate loans in domestic offices | $1,076,000 | 287 |
| Construction and land development | $0 | 676 |
| Secured by farmland | $0 | 358 |
| Total charge-offs secured by 1-4 family residential properties | $961,000 | 183 |
| Secured by multifamily residential properties | $0 | 405 |
| Secured by nonfarm nonresidential properties | $115,000 | 564 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 18 |
| To foreign banks | $0 | 10 |
| Loans to finance agricultural production and other loans to farmers | $0 | 200 |
| Commercial and industrial loans | $72,000 | 2,805 |
| Loans to individuals | $696,000 | 682 |
| Credit card loan charge offs | $546,000 | 325 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $150,000 | 1,667 |
| Loans to foreign governments and official institutions | $0 | 7 |
| Other loans | $0 | 270 |
| Lease financing receivables | $0 | 317 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $2,221,000 | 245 |
| Loans secured by real estate, total | $1,809,000 | 97 |
| To non-U.S. addressees | $0 | 12 |
| Real estate loans in domestic offices | $1,809,000 | 97 |
| Construction and land development | $0 | 513 |
| Secured by farmland | $0 | 504 |
| Secured by 1-4 family residential properties - total recoveries | $57,000 | 547 |
| Secured by multifamily residential properties | $0 | 333 |
| Secured by nonfarm nonresidential properties | $1,752,000 | 64 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 28 |
| To foreign banks | $0 | 18 |
| Loans to finance agricultural production and other loans to farmers | $0 | 218 |
| Commercial and industrial loans | $131,000 | 778 |
| Loans to individuals | $281,000 | 476 |
| Credit card loan recoveries | $113,000 | 273 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $168,000 | 534 |
| Loans to foreign governments and official institutions | $0 | 27 |
| Other loans | $0 | 271 |
| Lease financing receivables | $0 | 286 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $-377,000 | 10,865 |
| Loans secured by real estate, total | $-733,000 | 10,869 |
| To non-U.S. addressees | $0 | 10 |
| Real estate loans in domestic offices | $-733,000 | 10,891 |
| Construction and land development | $0 | 590 |
| Secured by farmland | $0 | 284 |
| Secured by 1-4 family residential properties- net charge-offs | $904,000 | 149 |
| Secured by multifamily residential properties | $0 | 354 |
| Secured by nonfarm nonresidential properties | $-1,637,000 | 10,888 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 16 |
| To foreign banks | $0 | 8 |
| Loans to finance agricultural production and other loans to farmers | $0 | 139 |
| Commercial and industrial loans | $-59,000 | 10,529 |
| To non-U.S. addressees | $0 | 21 |
| Loans to individuals | $415,000 | 776 |
| Credit card loan net charge offs | $433,000 | 339 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $-18,000 | 10,795 |
| Loans to foreign governments and official institutions | $0 | 7 |
| Other loans | $0 | 229 |
| Lease financing receivables | $0 | 291 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1996-12-31 (YTD Data) | Rank | |
| Total charge-offs | $973,000 | 1,124 |
| Loans secured by real estate, total | $139,000 | 1,296 |
| To non-U.S. addressees | $0 | 10 |
| Real estate loans in domestic offices | $139,000 | 1,296 |
| Construction and land development | $0 | 737 |
| Secured by farmland | $0 | 391 |
| Total charge-offs secured by 1-4 family residential properties | $139,000 | 800 |
| Secured by multifamily residential properties | $0 | 460 |
| Secured by nonfarm nonresidential properties | $0 | 1,929 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 23 |
| To foreign banks | $0 | 12 |
| Loans to finance agricultural production and other loans to farmers | $0 | 223 |
| Commercial and industrial loans | $188,000 | 1,552 |
| Loans to individuals | $646,000 | 762 |
| Credit card loan charge offs | $545,000 | 358 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $101,000 | 2,175 |
| Loans to foreign governments and official institutions | $0 | 11 |
| Other loans | $0 | 308 |
| Lease financing receivables | $0 | 355 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $709,000 | 616 |
| Loans secured by real estate, total | $444,000 | 321 |
| To non-U.S. addressees | $0 | 8 |
| Real estate loans in domestic offices | $444,000 | 321 |
| Construction and land development | $0 | 613 |
| Secured by farmland | $0 | 587 |
| Secured by 1-4 family residential properties - total recoveries | $66,000 | 527 |
| Secured by multifamily residential properties | $0 | 399 |
| Secured by nonfarm nonresidential properties | $378,000 | 212 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 32 |
| To foreign banks | $0 | 18 |
| Loans to finance agricultural production and other loans to farmers | $0 | 231 |
| Commercial and industrial loans | $93,000 | 1,153 |
| Loans to individuals | $172,000 | 736 |
| Credit card loan recoveries | $127,000 | 294 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $45,000 | 1,683 |
| Loans to foreign governments and official institutions | $0 | 32 |
| Other loans | $0 | 331 |
| Lease financing receivables | $0 | 294 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $264,000 | 2,267 |
| Loans secured by real estate, total | $-305,000 | 11,351 |
| To non-U.S. addressees | $0 | 7 |
| Real estate loans in domestic offices | $-305,000 | 11,376 |
| Construction and land development | $0 | 634 |
| Secured by farmland | $0 | 311 |
| Secured by 1-4 family residential properties- net charge-offs | $73,000 | 996 |
| Secured by multifamily residential properties | $0 | 413 |
| Secured by nonfarm nonresidential properties | $-378,000 | 11,365 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 20 |
| To foreign banks | $0 | 10 |
| Loans to finance agricultural production and other loans to farmers | $0 | 178 |
| Commercial and industrial loans | $95,000 | 1,879 |
| To non-U.S. addressees | $0 | 22 |
| Loans to individuals | $474,000 | 774 |
| Credit card loan net charge offs | $418,000 | 369 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $56,000 | 2,508 |
| Loans to foreign governments and official institutions | $0 | 5 |
| Other loans | $0 | 263 |
| Lease financing receivables | $0 | 316 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1995-12-31 (YTD Data) | Rank | |
| Total charge-offs | $1,692,000 | 801 |
| Loans secured by real estate, total | $938,000 | 491 |
| To non-U.S. addressees | $0 | 15 |
| Real estate loans in domestic offices | $938,000 | 489 |
| Construction and land development | $0 | 883 |
| Secured by farmland | $0 | 381 |
| Total charge-offs secured by 1-4 family residential properties | $98,000 | 1,106 |
| Secured by multifamily residential properties | $24,000 | 443 |
| Secured by nonfarm nonresidential properties | $816,000 | 285 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 23 |
| To foreign banks | $0 | 20 |
| Loans to finance agricultural production and other loans to farmers | $0 | 186 |
| Commercial and industrial loans | $263,000 | 1,127 |
| Loans to individuals | $491,000 | 814 |
| Credit card loan charge offs | $417,000 | 409 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $74,000 | 2,482 |
| Loans to foreign governments and official institutions | $0 | 15 |
| Other loans | $0 | 360 |
| Lease financing receivables | $0 | 341 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $1,219,000 | 435 |
| Loans secured by real estate, total | $979,000 | 191 |
| To non-U.S. addressees | $0 | 13 |
| Real estate loans in domestic offices | $979,000 | 188 |
| Construction and land development | $0 | 688 |
| Secured by farmland | $0 | 623 |
| Secured by 1-4 family residential properties - total recoveries | $154,000 | 279 |
| Secured by multifamily residential properties | $12,000 | 294 |
| Secured by nonfarm nonresidential properties | $813,000 | 139 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 32 |
| To foreign banks | $0 | 20 |
| Loans to finance agricultural production and other loans to farmers | $0 | 227 |
| Commercial and industrial loans | $0 | 7,599 |
| Loans to individuals | $201,000 | 661 |
| Credit card loan recoveries | $120,000 | 332 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $81,000 | 1,062 |
| Loans to foreign governments and official institutions | $0 | 30 |
| Other loans | $39,000 | 162 |
| Lease financing receivables | $0 | 322 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $473,000 | 1,432 |
| Loans secured by real estate, total | $-41,000 | 11,452 |
| To non-U.S. addressees | $0 | 12 |
| Real estate loans in domestic offices | $-41,000 | 11,481 |
| Construction and land development | $0 | 772 |
| Secured by farmland | $0 | 306 |
| Secured by 1-4 family residential properties- net charge-offs | $-56,000 | 11,837 |
| Secured by multifamily residential properties | $12,000 | 444 |
| Secured by nonfarm nonresidential properties | $3,000 | 1,673 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 19 |
| To foreign banks | $0 | 18 |
| Loans to finance agricultural production and other loans to farmers | $0 | 130 |
| Commercial and industrial loans | $263,000 | 788 |
| To non-U.S. addressees | $263,000 | 11 |
| Loans to individuals | $290,000 | 898 |
| Credit card loan net charge offs | $297,000 | 432 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $-7,000 | 11,419 |
| Loans to foreign governments and official institutions | $0 | 11 |
| Other loans | $-39,000 | 1,170 |
| Lease financing receivables | $0 | 281 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1994-12-31 (YTD Data) | Rank | |
| Total charge-offs | $655,000 | 1,508 |
| Loans secured by real estate, total | $121,000 | 1,735 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $121,000 | 1,735 |
| Construction and land development | $0 | 994 |
| Secured by farmland | NA | NA |
| Total charge-offs secured by 1-4 family residential properties | $19,000 | 2,748 |
| Secured by multifamily residential properties | $0 | 659 |
| Secured by nonfarm nonresidential properties | $102,000 | 980 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $23,000 | 4,928 |
| Loans to individuals | $511,000 | 744 |
| Credit card loan charge offs | $457,000 | 378 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $54,000 | 2,969 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $1,058,000 | 535 |
| Loans secured by real estate, total | $895,000 | 235 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $895,000 | 233 |
| Construction and land development | $105,000 | 205 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties - total recoveries | $19,000 | 1,423 |
| Secured by multifamily residential properties | $0 | 504 |
| Secured by nonfarm nonresidential properties | $771,000 | 143 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $0 | 8,252 |
| Loans to individuals | $163,000 | 769 |
| Credit card loan recoveries | $131,000 | 315 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $32,000 | 2,354 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $-403,000 | 12,515 |
| Loans secured by real estate, total | $-774,000 | 12,558 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $-774,000 | 12,596 |
| Construction and land development | $-105,000 | 12,498 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties- net charge-offs | $0 | 4,088 |
| Secured by multifamily residential properties | $0 | 608 |
| Secured by nonfarm nonresidential properties | $-669,000 | 12,561 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $23,000 | 3,520 |
| To non-U.S. addressees | NA | NA |
| Loans to individuals | $348,000 | 692 |
| Credit card loan net charge offs | $326,000 | 392 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $22,000 | 3,502 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1993-12-31 (YTD Data) | Rank | |
| Total charge-offs | $871,000 | 1,555 |
| Loans secured by real estate, total | $446,000 | 1,100 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $446,000 | 1,099 |
| Construction and land development | $50,000 | 714 |
| Secured by farmland | NA | NA |
| Total charge-offs secured by 1-4 family residential properties | $65,000 | 1,799 |
| Secured by multifamily residential properties | $0 | 764 |
| Secured by nonfarm nonresidential properties | $331,000 | 713 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $14,000 | 6,693 |
| Loans to individuals | $411,000 | 912 |
| Credit card loan charge offs | $370,000 | 433 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $41,000 | 3,895 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $1,043,000 | 548 |
| Loans secured by real estate, total | $882,000 | 233 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $882,000 | 232 |
| Construction and land development | $58,000 | 299 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties - total recoveries | $46,000 | 820 |
| Secured by multifamily residential properties | $48,000 | 195 |
| Secured by nonfarm nonresidential properties | $730,000 | 135 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $27,000 | 3,789 |
| Loans to individuals | $134,000 | 963 |
| Credit card loan recoveries | $95,000 | 366 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $39,000 | 2,167 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $-172,000 | 13,082 |
| Loans secured by real estate, total | $-436,000 | 13,231 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $-436,000 | 13,271 |
| Construction and land development | $-8,000 | 12,972 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties- net charge-offs | $19,000 | 2,826 |
| Secured by multifamily residential properties | $-48,000 | 13,214 |
| Secured by nonfarm nonresidential properties | $-399,000 | 13,251 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $-13,000 | 11,608 |
| To non-U.S. addressees | NA | NA |
| Loans to individuals | $277,000 | 897 |
| Credit card loan net charge offs | $275,000 | 439 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $2,000 | 7,600 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1992-12-31 (YTD Data) | Rank | |
| Total charge-offs | $3,709,000 | 722 |
| Loans secured by real estate, total | $2,898,000 | 421 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $2,898,000 | 420 |
| Construction and land development | $0 | 1,669 |
| Secured by farmland | NA | NA |
| Total charge-offs secured by 1-4 family residential properties | $34,000 | 3,017 |
| Secured by multifamily residential properties | $0 | 893 |
| Secured by nonfarm nonresidential properties | $2,864,000 | 237 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $331,000 | 1,915 |
| Loans to individuals | $480,000 | 1,017 |
| Credit card loan charge offs | $315,000 | 511 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $165,000 | 1,847 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $665,000 | 752 |
| Loans secured by real estate, total | $575,000 | 264 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $575,000 | 264 |
| Construction and land development | $207,000 | 148 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties - total recoveries | $0 | 4,685 |
| Secured by multifamily residential properties | $0 | 476 |
| Secured by nonfarm nonresidential properties | $368,000 | 192 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $8,000 | 6,353 |
| Loans to individuals | $82,000 | 1,458 |
| Credit card loan recoveries | $72,000 | 420 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $10,000 | 5,293 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $3,044,000 | 726 |
| Loans secured by real estate, total | $2,323,000 | 453 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $2,323,000 | 453 |
| Construction and land development | $-207,000 | 13,909 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties- net charge-offs | $34,000 | 2,630 |
| Secured by multifamily residential properties | $0 | 849 |
| Secured by nonfarm nonresidential properties | $2,496,000 | 245 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $323,000 | 1,627 |
| To non-U.S. addressees | NA | NA |
| Loans to individuals | $398,000 | 925 |
| Credit card loan net charge offs | $243,000 | 525 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $155,000 | 1,437 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
* 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.