Home > The Empire National Bank of Traverse City > Loan Charge- Offs and Recoveries

The Empire National Bank of Traverse City, Loan Charge- Offs and Recoveries

1999-12-31 (YTD Data)Rank
Total charge-offs$515,0001,538
Loans secured by real estate, total$168,000835
To non-U.S. addressees$08
Real estate loans in domestic offices$168,000833
Construction and land development$0611
Secured by farmland$0351
Total charge-offs secured by 1-4 family residential properties$168,000531
Secured by multifamily residential properties$0249
Secured by nonfarm nonresidential properties$01,427
Real estate loans in foreign officesNANA
Loans to depository institutions$027
To foreign banks$023
Loans to finance agricultural production and other loans to farmers$0203
Commercial and industrial loans$11,0005,162
Loans to individuals$336,000960
Credit card loan charge offs$71,000648
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$265,000952
Loans to foreign governments and official institutions$010
Other loans$0281
Lease financing receivables$0289
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Total recoveries$389,000714
Loans secured by real estate, total$81,000667
To non-U.S. addressees$09
Real estate loans in domestic offices$81,000667
Construction and land development$0429
Secured by farmland$0418
Secured by 1-4 family residential properties - total recoveries$56,000485
Secured by multifamily residential properties$0246
Secured by nonfarm nonresidential properties$25,000575
Real estate loans in foreign officesNANA
Loans to depository institutions$024
To foreign banks$018
Loans to finance agricultural production and other loans to farmers$0208
Commercial and industrial loans$89,000983
Loans to individuals$219,000522
Credit card loan recoveries$31,000427
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$188,000467
Loans to foreign governments and official institutions$011
Other loans$0282
Lease financing receivables$0264
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Net charge-offs$126,0003,143
Loans secured by real estate, total$87,0001,065
To non-U.S. addressees$07
Real estate loans in domestic offices$87,0001,065
Construction and land development$0547
Secured by farmland$0293
Secured by 1-4 family residential properties- net charge-offs$112,000595
Secured by multifamily residential properties$0211
Secured by nonfarm nonresidential properties$-25,0009,854
Real estate loans in foreign officesNANA
Loans to depository institutions$025
To foreign banks$022
Loans to finance agricultural production and other loans to farmers$0165
Commercial and industrial loans$-78,00010,007
To non-U.S. addressees$035
Loans to individuals$117,0001,597
Credit card loan net charge offs$40,000786
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$77,0001,840
Loans to foreign governments and official institutions$09
Other loans$0248
Lease financing receivables$0263
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
1998-12-31 (YTD Data)Rank
Total charge-offs$741,0001,161
Loans secured by real estate, total$68,0001,562
To non-U.S. addressees$013
Real estate loans in domestic offices$68,0001,559
Construction and land development$0630
Secured by farmland$0328
Total charge-offs secured by 1-4 family residential properties$68,0001,050
Secured by multifamily residential properties$0335
Secured by nonfarm nonresidential properties$01,530
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$243,0001,219
Loans to individuals$430,000845
Credit card loan charge offs$76,000713
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$354,000778
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$226,0001,086
Loans secured by real estate, total$16,0001,759
To non-U.S. addressees$010
Real estate loans in domestic offices$16,0001,760
Construction and land development$2,000398
Secured by farmland$0446
Secured by 1-4 family residential properties - total recoveries$14,0001,203
Secured by multifamily residential properties$0272
Secured by nonfarm nonresidential properties$01,438
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$8,0003,923
Loans to individuals$202,000545
Credit card loan recoveries$18,000590
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$184,000462
Loans to foreign governments and official institutions$014
Other loans$0267
Lease financing receivables$0264
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Net charge-offs$515,0001,226
Loans secured by real estate, total$52,0001,464
To non-U.S. addressees$012
Real estate loans in domestic offices$52,0001,462
Construction and land development$-2,00010,181
Secured by farmland$0259
Secured by 1-4 family residential properties- net charge-offs$54,0001,016
Secured by multifamily residential properties$0283
Secured by nonfarm nonresidential properties$01,241
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$235,0001,005
To non-U.S. addressees$036
Loans to individuals$228,0001,065
Credit card loan net charge offs$58,000736
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$170,0001,077
Loans to foreign governments and official institutions$010
Other loans$0249
Lease financing receivables$0278
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
1997-12-31 (YTD Data)Rank
Total charge-offs$1,111,000927
Loans secured by real estate, total$483,000507
To non-U.S. addressees$011
Real estate loans in domestic offices$483,000506
Construction and land development$20,000418
Secured by farmland$0358
Total charge-offs secured by 1-4 family residential properties$63,0001,198
Secured by multifamily residential properties$0405
Secured by nonfarm nonresidential properties$400,000241
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$135,0001,875
Loans to individuals$493,000842
Credit card loan charge offs$92,000687
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$401,000775
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$252,0001,116
Loans secured by real estate, total$38,0001,285
To non-U.S. addressees$012
Real estate loans in domestic offices$38,0001,285
Construction and land development$0513
Secured by farmland$0504
Secured by 1-4 family residential properties - total recoveries$13,0001,383
Secured by multifamily residential properties$0333
Secured by nonfarm nonresidential properties$25,000741
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$42,0001,955
Loans to individuals$172,000645
Credit card loan recoveries$19,000580
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$153,000571
Loans to foreign governments and official institutions$027
Other loans$0271
Lease financing receivables$0286
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Net charge-offs$859,000883
Loans secured by real estate, total$445,000403
To non-U.S. addressees$010
Real estate loans in domestic offices$445,000401
Construction and land development$20,000349
Secured by farmland$0284
Secured by 1-4 family residential properties- net charge-offs$50,0001,162
Secured by multifamily residential properties$0354
Secured by nonfarm nonresidential properties$375,000171
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$93,0001,855
To non-U.S. addressees$021
Loans to individuals$321,000938
Credit card loan net charge offs$73,000716
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$248,000867
Loans to foreign governments and official institutions$07
Other loans$0229
Lease financing receivables$0291
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
1996-12-31 (YTD Data)Rank
Total charge-offs$1,568,000831
Loans secured by real estate, total$922,000417
To non-U.S. addressees$010
Real estate loans in domestic offices$922,000417
Construction and land development$66,000282
Secured by farmland$0391
Total charge-offs secured by 1-4 family residential properties$56,0001,393
Secured by multifamily residential properties$0460
Secured by nonfarm nonresidential properties$800,000205
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$72,0002,975
Loans to individuals$574,000812
Credit card loan charge offs$49,0001,007
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$525,000662
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$207,0001,439
Loans secured by real estate, total$7,0002,961
To non-U.S. addressees$08
Real estate loans in domestic offices$7,0002,961
Construction and land development$0613
Secured by farmland$0587
Secured by 1-4 family residential properties - total recoveries$7,0001,966
Secured by multifamily residential properties$0399
Secured by nonfarm nonresidential properties$01,954
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$8,0004,575
Loans to individuals$192,000696
Credit card loan recoveries$14,000739
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$178,000606
Loans to foreign governments and official institutions$032
Other loans$0331
Lease financing receivables$0294
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Net charge-offs$1,361,000738
Loans secured by real estate, total$915,000304
To non-U.S. addressees$07
Real estate loans in domestic offices$915,000303
Construction and land development$66,000238
Secured by farmland$0311
Secured by 1-4 family residential properties- net charge-offs$49,0001,277
Secured by multifamily residential properties$0413
Secured by nonfarm nonresidential properties$800,000145
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$64,0002,398
To non-U.S. addressees$022
Loans to individuals$382,000872
Credit card loan net charge offs$35,0001,110
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$347,000706
Loans to foreign governments and official institutions$05
Other loans$0263
Lease financing receivables$0316
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
1995-12-31 (YTD Data)Rank
Total charge-offs$650,0001,474
Loans secured by real estate, total$8,0004,332
To non-U.S. addressees$015
Real estate loans in domestic offices$8,0004,330
Construction and land development$0883
Secured by farmland$0381
Total charge-offs secured by 1-4 family residential properties$8,0003,274
Secured by multifamily residential properties$0559
Secured by nonfarm nonresidential properties$02,210
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$17,0005,177
Loans to individuals$625,000703
Credit card loan charge offs$54,000920
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$571,000573
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$205,0001,467
Loans secured by real estate, total$3,0003,971
To non-U.S. addressees$013
Real estate loans in domestic offices$3,0003,968
Construction and land development$0688
Secured by farmland$0623
Secured by 1-4 family residential properties - total recoveries$3,0002,770
Secured by multifamily residential properties$0496
Secured by nonfarm nonresidential properties$02,179
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$54,0001,852
Loans to individuals$148,000803
Credit card loan recoveries$13,000809
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$135,000739
Loans to foreign governments and official institutions$030
Other loans$0383
Lease financing receivables$0322
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Net charge-offs$445,0001,486
Loans secured by real estate, total$5,0003,758
To non-U.S. addressees$012
Real estate loans in domestic offices$5,0003,756
Construction and land development$0772
Secured by farmland$0306
Secured by 1-4 family residential properties- net charge-offs$5,0003,014
Secured by multifamily residential properties$0498
Secured by nonfarm nonresidential properties$01,798
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$0130
Commercial and industrial loans$-37,00011,137
To non-U.S. addressees$022
Loans to individuals$477,000669
Credit card loan net charge offs$41,000942
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$436,000509
Loans to foreign governments and official institutions$011
Other loans$0309
Lease financing receivables$0281
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
1994-12-31 (YTD Data)Rank
Total charge-offs$718,0001,413
Loans secured by real estate, total$06,101
To non-U.S. addresseesNANA
Real estate loans in domestic offices$06,096
Construction and land development$0994
Secured by farmland$0491
Total charge-offs secured by 1-4 family residential properties$04,860
Secured by multifamily residential properties$0659
Secured by nonfarm nonresidential properties$02,579
Real estate loans in foreign officesNANA
Loans to depository institutionsNANA
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$112,0002,269
Loans to individuals$606,000673
Credit card loan charge offs$04,000
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$606,000493
Loans to foreign governments and official institutions$015
Other loansNANA
Lease financing receivables$0332
Memoranda:
Loans to finance agricultural production and other loans to farmers$01,333
Total recoveries$192,0001,753
Loans secured by real estate, total$05,649
To non-U.S. addresseesNANA
Real estate loans in domestic offices$05,631
Construction and land development$0797
Secured by farmland$0744
Secured by 1-4 family residential properties - total recoveries$04,282
Secured by multifamily residential properties$0504
Secured by nonfarm nonresidential properties$02,421
Real estate loans in foreign officesNANA
Loans to depository institutionsNANA
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$85,0001,531
Loans to individuals$107,0001,052
Credit card loan recoveries$02,801
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$107,000922
Loans to foreign governments and official institutions$034
Other loansNANA
Lease financing receivables$0351
Memoranda:
Loans to finance agricultural production and other loans to farmers$01,776
Net charge-offs$526,0001,333
Loans secured by real estate, total$04,935
To non-U.S. addresseesNANA
Real estate loans in domestic offices$04,935
Construction and land development$0849
Secured by farmland$0385
Secured by 1-4 family residential properties- net charge-offs$04,088
Secured by multifamily residential properties$0608
Secured by nonfarm nonresidential properties$02,119
Real estate loans in foreign officesNANA
Loans to depository institutionsNANA
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$27,0003,305
To non-U.S. addresseesNANA
Loans to individuals$499,000574
Credit card loan net charge offs$03,705
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$499,000369
Loans to foreign governments and official institutions$09
Other loansNANA
Lease financing receivables$0251
Memoranda:
Loans to finance agricultural production and other loans to farmers$01,012
1993-12-31 (YTD Data)Rank
Total charge-offs$417,0002,574
Loans secured by real estate, total$07,166
To non-U.S. addresseesNANA
Real estate loans in domestic offices$07,160
Construction and land development$01,259
Secured by farmland$0674
Total charge-offs secured by 1-4 family residential properties$05,721
Secured by multifamily residential properties$0764
Secured by nonfarm nonresidential properties$03,211
Real estate loans in foreign officesNANA
Loans to depository institutionsNANA
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$97,0003,163
Loans to individuals$320,0001,081
Credit card loan charge offs$04,176
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$320,000838
Loans to foreign governments and official institutions$034
Other loansNANA
Lease financing receivables$0379
Memoranda:
Loans to finance agricultural production and other loans to farmers$01,635
Total recoveries$150,0002,323
Loans secured by real estate, total$06,091
To non-U.S. addresseesNANA
Real estate loans in domestic offices$06,082
Construction and land development$0926
Secured by farmland$0821
Secured by 1-4 family residential properties - total recoveries$04,624
Secured by multifamily residential properties$0535
Secured by nonfarm nonresidential properties$02,606
Real estate loans in foreign officesNANA
Loans to depository institutionsNANA
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$3,0007,389
Loans to individuals$147,000901
Credit card loan recoveries$02,866
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$147,000762
Loans to foreign governments and official institutions$038
Other loansNANA
Lease financing receivables$0365
Memoranda:
Loans to finance agricultural production and other loans to farmers$01,965
Net charge-offs$267,0002,641
Loans secured by real estate, total$06,077
To non-U.S. addresseesNANA
Real estate loans in domestic offices$06,070
Construction and land development$01,117
Secured by farmland$0548
Secured by 1-4 family residential properties- net charge-offs$04,945
Secured by multifamily residential properties$0715
Secured by nonfarm nonresidential properties$02,799
Real estate loans in foreign officesNANA
Loans to depository institutionsNANA
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$94,0002,458
To non-U.S. addresseesNANA
Loans to individuals$173,0001,253
Credit card loan net charge offs$03,895
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$173,000923
Loans to foreign governments and official institutions$028
Other loansNANA
Lease financing receivables$0315
Memoranda:
Loans to finance agricultural production and other loans to farmers$01,260
1992-12-31 (YTD Data)Rank
Total charge-offs$754,0002,243
Loans secured by real estate, total$08,179
To non-U.S. addresseesNANA
Real estate loans in domestic offices$08,166
Construction and land development$01,669
Secured by farmland$0904
Total charge-offs secured by 1-4 family residential properties$06,523
Secured by multifamily residential properties$0893
Secured by nonfarm nonresidential properties$03,945
Real estate loans in foreign officesNANA
Loans to depository institutionsNANA
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$323,0001,944
Loans to individuals$431,0001,074
Credit card loan charge offs$12,0002,152
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$419,000863
Loans to foreign governments and official institutions$043
Other loansNANA
Lease financing receivables$0464
Memoranda:
Loans to finance agricultural production and other loans to farmers$01,961
Total recoveries$167,0002,256
Loans secured by real estate, total$06,234
To non-U.S. addresseesNANA
Real estate loans in domestic offices$06,207
Construction and land development$01,048
Secured by farmland$0870
Secured by 1-4 family residential properties - total recoveries$04,685
Secured by multifamily residential properties$0476
Secured by nonfarm nonresidential properties$02,509
Real estate loans in foreign officesNANA
Loans to depository institutionsNANA
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$58,0002,524
Loans to individuals$109,0001,198
Credit card loan recoveries$7,0001,183
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$102,0001,088
Loans to foreign governments and official institutions$047
Other loansNANA
Lease financing receivables$0397
Memoranda:
Loans to finance agricultural production and other loans to farmers$02,110
Net charge-offs$587,0002,199
Loans secured by real estate, total$07,205
To non-U.S. addresseesNANA
Real estate loans in domestic offices$07,197
Construction and land development$01,547
Secured by farmland$0773
Secured by 1-4 family residential properties- net charge-offs$05,775
Secured by multifamily residential properties$0849
Secured by nonfarm nonresidential properties$03,618
Real estate loans in foreign officesNANA
Loans to depository institutionsNANA
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$265,0001,864
To non-U.S. addresseesNANA
Loans to individuals$322,0001,036
Credit card loan net charge offs$5,0002,682
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$317,000783
Loans to foreign governments and official institutions$037
Other loansNANA
Lease financing receivables$0406
Memoranda:
Loans to finance agricultural production and other loans to farmers$01,543

* 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.