Home > Trustco Bank > Net charge- offs to loans
Trustco Bank, Net charge- offs to loans
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2585% | 3,022 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2614% | 750 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2552% | 9,135 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3260% | 600 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3466% | 234 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3238% | 594 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.0394% | 8,975 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6355% | 1,111 |
| Percentage Net Loans Charged-off: Credit card loans | 2.7727% | 962 |
| 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 | 0.0000% | 74 |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2614% | 2,525 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2777% | 92 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.0802% | 18 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1875% | 139 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2503% | 123 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1794% | 148 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.5032% | 1,472 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0047% | 1,353 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0071% | 976 |
| 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 | 0.2722% | 2,500 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3738% | 60 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.4325% | 1,476 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4807% | 57 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3887% | 90 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4940% | 56 |
| Percentage Net Loans Charged-off: Commercial and industrial | -9.1011% | 1,482 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7359% | 222 |
| Percentage Net Loans Charged-off: Credit card loans | 2.8105% | 375 |
| 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 | -30.7746% | 499 |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2816% | 2,613 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2619% | 102 |
| Percentage Net Loans Charged-off:Construction & development | 1.6044% | 16 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.4519% | 1,421 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.1144% | 14 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3256% | 73 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2842% | 115 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3326% | 72 |
| Percentage Net Loans Charged-off: Commercial and industrial | -3.3009% | 1,414 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.4664% | 113 |
| Percentage Net Loans Charged-off: Credit card loans | 4.1836% | 251 |
| 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 | -56.4098% | 484 |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2794% | 2,933 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2708% | 117 |
| Percentage Net Loans Charged-off:Construction & development | -4.4380% | 1,395 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5737% | 75 |
| Percentage Net Loans Charged-off: Multi-family residential | 8.4280% | 4 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1841% | 178 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1595% | 41 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0198% | 1,365 |
| Percentage Net Loans Charged-off: Commercial and industrial | -2.9314% | 1,407 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.8098% | 146 |
| Percentage Net Loans Charged-off: Credit card loans | 3.8566% | 330 |
| 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 | -42.6779% | 506 |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2718% | 3,240 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2428% | 215 |
| Percentage Net Loans Charged-off:Construction & development | -7.5736% | 1,456 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4170% | 174 |
| Percentage Net Loans Charged-off: Multi-family residential | 10.1388% | 8 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1443% | 279 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1643% | 202 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1395% | 281 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.6783% | 1,414 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0220% | 221 |
| Percentage Net Loans Charged-off: Credit card loans | 2.9151% | 430 |
| 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 | -9.8872% | 533 |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2727% | 3,069 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3795% | 197 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6889% | 188 |
| Percentage Net Loans Charged-off: Multi-family residential | 7.9618% | 13 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1630% | 260 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0643% | 281 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1907% | 224 |
| Percentage Net Loans Charged-off: Commercial and industrial | -5.9292% | 1,433 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5310% | 215 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3170% | 721 |
| 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 | -52.5880% | 583 |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2944% | 3,042 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3044% | 300 |
| Percentage Net Loans Charged-off:Construction & development | 3.2691% | 73 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6850% | 230 |
| Percentage Net Loans Charged-off: Multi-family residential | 6.1351% | 38 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0058% | 953 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0077% | 886 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.4326% | 1,355 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7336% | 139 |
| Percentage Net Loans Charged-off: Credit card loans | 0.9754% | 741 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 371 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -18.7918% | 557 |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4270% | 3,157 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4993% | 329 |
| Percentage Net Loans Charged-off:Construction & development | 0.9286% | 274 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.6899% | 114 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.9635% | 106 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0157% | 944 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0213% | 852 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.5421% | 1,395 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7163% | 545 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3511% | 670 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 423 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 93 |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4792% | 4,406 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3530% | 578 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 639 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.3438% | 187 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3091% | 339 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0178% | 1,003 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0240% | 902 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5650% | 270 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3975% | 1,062 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2754% | 808 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 479 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 144 |