Home > The Rochester Community Savings Bank > Loan Charge- Offs and Recoveries
The Rochester Community Savings Bank, Loan Charge- Offs and Recoveries
| 1996-12-31 (YTD Data) | Rank | |
| Total charge-offs | $17,873,000 | 171 |
| Loans secured by real estate, total | $4,969,000 | 110 |
| To non-U.S. addressees | $0 | 10 |
| Real estate loans in domestic offices | $4,969,000 | 110 |
| Construction and land development | $46,000 | 345 |
| Secured by farmland | $0 | 391 |
| Total charge-offs secured by 1-4 family residential properties | $2,131,000 | 108 |
| Secured by multifamily residential properties | $0 | 460 |
| Secured by nonfarm nonresidential properties | $2,792,000 | 78 |
| 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 | $0 | 7,405 |
| Loans to individuals | $12,904,000 | 150 |
| Credit card loan charge offs | $752,000 | 321 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $12,152,000 | 68 |
| 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 | $6,127,000 | 159 |
| Loans secured by real estate, total | $1,848,000 | 113 |
| To non-U.S. addressees | $0 | 8 |
| Real estate loans in domestic offices | $1,848,000 | 113 |
| Construction and land development | $1,348,000 | 18 |
| Secured by farmland | $0 | 587 |
| Secured by 1-4 family residential properties - total recoveries | $452,000 | 120 |
| Secured by multifamily residential properties | $0 | 399 |
| Secured by nonfarm nonresidential properties | $48,000 | 672 |
| 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 | $0 | 7,068 |
| Loans to individuals | $4,279,000 | 114 |
| Credit card loan recoveries | $311,000 | 202 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $3,968,000 | 68 |
| 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 | $11,746,000 | 180 |
| Loans secured by real estate, total | $3,121,000 | 127 |
| To non-U.S. addressees | $0 | 7 |
| Real estate loans in domestic offices | $3,121,000 | 126 |
| Construction and land development | $-1,302,000 | 11,448 |
| Secured by farmland | $0 | 311 |
| Secured by 1-4 family residential properties- net charge-offs | $1,679,000 | 105 |
| Secured by multifamily residential properties | $0 | 413 |
| Secured by nonfarm nonresidential properties | $2,744,000 | 53 |
| 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 | $0 | 5,817 |
| To non-U.S. addressees | $0 | 22 |
| Loans to individuals | $8,625,000 | 158 |
| Credit card loan net charge offs | $441,000 | 362 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $8,184,000 | 68 |
| 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 | $13,717,000 | 205 |
| Loans secured by real estate, total | $5,628,000 | 132 |
| To non-U.S. addressees | $0 | 15 |
| Real estate loans in domestic offices | $5,628,000 | 132 |
| Construction and land development | $1,272,000 | 57 |
| Secured by farmland | $0 | 381 |
| Total charge-offs secured by 1-4 family residential properties | $2,570,000 | 85 |
| Secured by multifamily residential properties | $0 | 559 |
| Secured by nonfarm nonresidential properties | $1,786,000 | 159 |
| 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 | $0 | 7,579 |
| Loans to individuals | $8,089,000 | 164 |
| Credit card loan charge offs | $857,000 | 303 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $7,232,000 | 77 |
| 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 | $6,042,000 | 172 |
| Loans secured by real estate, total | $3,170,000 | 79 |
| To non-U.S. addressees | $0 | 13 |
| Real estate loans in domestic offices | $3,170,000 | 79 |
| Construction and land development | $179,000 | 110 |
| Secured by farmland | $0 | 623 |
| Secured by 1-4 family residential properties - total recoveries | $867,000 | 57 |
| Secured by multifamily residential properties | $0 | 496 |
| Secured by nonfarm nonresidential properties | $2,124,000 | 72 |
| 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 | $2,872,000 | 147 |
| Credit card loan recoveries | $302,000 | 223 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $2,570,000 | 88 |
| Loans to foreign governments and official institutions | $0 | 30 |
| Other loans | $0 | 383 |
| Lease financing receivables | $0 | 322 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $7,675,000 | 225 |
| Loans secured by real estate, total | $2,458,000 | 198 |
| To non-U.S. addressees | $0 | 12 |
| Real estate loans in domestic offices | $2,458,000 | 197 |
| Construction and land development | $1,093,000 | 52 |
| Secured by farmland | $0 | 306 |
| Secured by 1-4 family residential properties- net charge-offs | $1,703,000 | 108 |
| Secured by multifamily residential properties | $0 | 498 |
| Secured by nonfarm nonresidential properties | $-338,000 | 11,890 |
| 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 | $0 | 5,683 |
| To non-U.S. addressees | $0 | 22 |
| Loans to individuals | $5,217,000 | 177 |
| Credit card loan net charge offs | $555,000 | 336 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $4,662,000 | 76 |
| Loans to foreign governments and official institutions | $0 | 11 |
| Other loans | $0 | 309 |
| 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 | $12,807,000 | 218 |
| Loans secured by real estate, total | $6,416,000 | 145 |
| To non-U.S. addressees | $0 | 13 |
| Real estate loans in domestic offices | $6,416,000 | 145 |
| Construction and land development | $1,966,000 | 62 |
| Secured by farmland | $0 | 491 |
| Total charge-offs secured by 1-4 family residential properties | $3,233,000 | 90 |
| Secured by multifamily residential properties | $0 | 659 |
| Secured by nonfarm nonresidential properties | $1,217,000 | 251 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 18 |
| To foreign banks | $0 | 13 |
| Loans to finance agricultural production and other loans to farmers | $0 | 188 |
| Commercial and industrial loans | $0 | 7,969 |
| Loans to individuals | $6,391,000 | 167 |
| Credit card loan charge offs | $1,146,000 | 254 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $5,245,000 | 85 |
| Loans to foreign governments and official institutions | $0 | 15 |
| Other loans | $0 | 345 |
| Lease financing receivables | $0 | 332 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $3,477,000 | 255 |
| Loans secured by real estate, total | $1,250,000 | 180 |
| To non-U.S. addressees | $0 | 12 |
| Real estate loans in domestic offices | $1,250,000 | 178 |
| Construction and land development | $349,000 | 99 |
| Secured by farmland | $0 | 744 |
| Secured by 1-4 family residential properties - total recoveries | $779,000 | 71 |
| Secured by multifamily residential properties | $0 | 504 |
| Secured by nonfarm nonresidential properties | $122,000 | 488 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 33 |
| To foreign banks | $0 | 21 |
| Loans to finance agricultural production and other loans to farmers | $0 | 235 |
| Commercial and industrial loans | $0 | 8,252 |
| Loans to individuals | $2,227,000 | 172 |
| Credit card loan recoveries | $173,000 | 283 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $2,054,000 | 113 |
| Loans to foreign governments and official institutions | $0 | 34 |
| Other loans | $0 | 356 |
| Lease financing receivables | $0 | 351 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $9,330,000 | 207 |
| Loans secured by real estate, total | $5,166,000 | 138 |
| To non-U.S. addressees | $0 | 9 |
| Real estate loans in domestic offices | $5,166,000 | 138 |
| Construction and land development | $1,617,000 | 65 |
| Secured by farmland | $0 | 385 |
| Secured by 1-4 family residential properties- net charge-offs | $2,454,000 | 98 |
| Secured by multifamily residential properties | $0 | 608 |
| Secured by nonfarm nonresidential properties | $1,095,000 | 209 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 14 |
| To foreign banks | $0 | 11 |
| Loans to finance agricultural production and other loans to farmers | $0 | 130 |
| Commercial and industrial loans | $0 | 5,704 |
| To non-U.S. addressees | $0 | 26 |
| Loans to individuals | $4,164,000 | 162 |
| Credit card loan net charge offs | $973,000 | 241 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $3,191,000 | 73 |
| Loans to foreign governments and official institutions | $0 | 9 |
| Other loans | $0 | 276 |
| Lease financing receivables | $0 | 251 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1993-12-31 (YTD Data) | Rank | |
| Total charge-offs | $22,777,000 | 178 |
| Loans secured by real estate, total | $17,479,000 | 98 |
| To non-U.S. addressees | $0 | 19 |
| Real estate loans in domestic offices | $17,479,000 | 98 |
| Construction and land development | $7,078,000 | 45 |
| Secured by farmland | $0 | 674 |
| Total charge-offs secured by 1-4 family residential properties | $2,243,000 | 137 |
| Secured by multifamily residential properties | $2,504,000 | 54 |
| Secured by nonfarm nonresidential properties | $5,654,000 | 122 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 28 |
| To foreign banks | $0 | 17 |
| Loans to finance agricultural production and other loans to farmers | $0 | 175 |
| Commercial and industrial loans | $1,298,000 | 453 |
| Loans to individuals | $3,951,000 | 240 |
| Credit card loan charge offs | $1,086,000 | 271 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $2,865,000 | 174 |
| Loans to foreign governments and official institutions | $0 | 34 |
| Other loans | $0 | 371 |
| Lease financing receivables | $49,000 | 206 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $3,409,000 | 269 |
| Loans secured by real estate, total | $2,131,000 | 116 |
| To non-U.S. addressees | $0 | 16 |
| Real estate loans in domestic offices | $2,131,000 | 116 |
| Construction and land development | $527,000 | 94 |
| Secured by farmland | $0 | 821 |
| Secured by 1-4 family residential properties - total recoveries | $426,000 | 100 |
| Secured by multifamily residential properties | $101,000 | 122 |
| Secured by nonfarm nonresidential properties | $1,077,000 | 102 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 43 |
| To foreign banks | $0 | 26 |
| Loans to finance agricultural production and other loans to farmers | $0 | 220 |
| Commercial and industrial loans | $0 | 8,809 |
| Loans to individuals | $1,278,000 | 240 |
| Credit card loan recoveries | $15,000 | 811 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $1,263,000 | 164 |
| Loans to foreign governments and official institutions | $0 | 38 |
| Other loans | $0 | 355 |
| Lease financing receivables | $0 | 365 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $19,368,000 | 157 |
| Loans secured by real estate, total | $15,348,000 | 96 |
| To non-U.S. addressees | $0 | 18 |
| Real estate loans in domestic offices | $15,348,000 | 96 |
| Construction and land development | $6,551,000 | 48 |
| Secured by farmland | $0 | 548 |
| Secured by 1-4 family residential properties- net charge-offs | $1,817,000 | 148 |
| Secured by multifamily residential properties | $2,403,000 | 53 |
| Secured by nonfarm nonresidential properties | $4,577,000 | 120 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 16 |
| To foreign banks | $0 | 11 |
| Loans to finance agricultural production and other loans to farmers | $0 | 121 |
| Commercial and industrial loans | $1,298,000 | 354 |
| To non-U.S. addressees | $0 | 36 |
| Loans to individuals | $2,673,000 | 242 |
| Credit card loan net charge offs | $1,071,000 | 245 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $1,602,000 | 156 |
| Loans to foreign governments and official institutions | $0 | 28 |
| Other loans | $0 | 299 |
| Lease financing receivables | $49,000 | 153 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1992-12-31 (YTD Data) | Rank | |
| Total charge-offs | $14,987,000 | 296 |
| Loans secured by real estate, total | $10,596,000 | 165 |
| To non-U.S. addressees | $0 | 17 |
| Real estate loans in domestic offices | $10,596,000 | 164 |
| Construction and land development | $2,252,000 | 166 |
| Secured by farmland | $0 | 904 |
| Total charge-offs secured by 1-4 family residential properties | $1,870,000 | 162 |
| Secured by multifamily residential properties | $407,000 | 252 |
| Secured by nonfarm nonresidential properties | $6,067,000 | 137 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 43 |
| To foreign banks | $0 | 20 |
| Loans to finance agricultural production and other loans to farmers | $0 | 201 |
| Commercial and industrial loans | $0 | 9,917 |
| Loans to individuals | $3,796,000 | 292 |
| Credit card loan charge offs | $1,234,000 | 288 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $2,562,000 | 235 |
| Loans to foreign governments and official institutions | $0 | 43 |
| Other loans | $0 | 387 |
| Lease financing receivables | $595,000 | 76 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $3,449,000 | 251 |
| Loans secured by real estate, total | $2,079,000 | 89 |
| To non-U.S. addressees | $0 | 7 |
| Real estate loans in domestic offices | $2,079,000 | 88 |
| Construction and land development | $288,000 | 107 |
| Secured by farmland | $0 | 870 |
| Secured by 1-4 family residential properties - total recoveries | $615,000 | 73 |
| Secured by multifamily residential properties | $219,000 | 52 |
| Secured by nonfarm nonresidential properties | $957,000 | 78 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 52 |
| To foreign banks | $0 | 28 |
| Loans to finance agricultural production and other loans to farmers | $0 | 217 |
| Commercial and industrial loans | $0 | 9,301 |
| Loans to individuals | $1,249,000 | 245 |
| Credit card loan recoveries | $0 | 2,868 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $1,249,000 | 172 |
| Loans to foreign governments and official institutions | $0 | 47 |
| Other loans | $0 | 349 |
| Lease financing receivables | $121,000 | 95 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $11,538,000 | 307 |
| Loans secured by real estate, total | $8,517,000 | 177 |
| To non-U.S. addressees | $0 | 17 |
| Real estate loans in domestic offices | $8,517,000 | 176 |
| Construction and land development | $1,964,000 | 173 |
| Secured by farmland | $0 | 773 |
| Secured by 1-4 family residential properties- net charge-offs | $1,255,000 | 205 |
| Secured by multifamily residential properties | $188,000 | 351 |
| Secured by nonfarm nonresidential properties | $5,110,000 | 148 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 36 |
| To foreign banks | $0 | 15 |
| Loans to finance agricultural production and other loans to farmers | $0 | 152 |
| Commercial and industrial loans | $0 | 8,199 |
| To non-U.S. addressees | $0 | 50 |
| Loans to individuals | $2,547,000 | 305 |
| Credit card loan net charge offs | $1,234,000 | 265 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $1,313,000 | 283 |
| Loans to foreign governments and official institutions | $0 | 37 |
| Other loans | $0 | 326 |
| Lease financing receivables | $474,000 | 69 |
| 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.