Home > Hudson River Bank & Trust Company > Net charge- offs to loans
Hudson River Bank & Trust Company, Net charge- offs to loans
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1802% | 2,975 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0719% | 1,955 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2490% | 705 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0167% | 2,818 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0706% | 464 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0148% | 2,718 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4661% | 2,210 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7838% | 923 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,643 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 27 |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1934% | 2,401 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0795% | 1,543 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2882% | 479 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0134% | 2,456 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0939% | 348 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0105% | 2,362 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5250% | 1,713 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7391% | 879 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,414 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1522% | 2,706 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0118% | 2,430 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0148% | 885 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0119% | 2,075 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1457% | 248 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0070% | 2,031 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6710% | 1,380 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7420% | 903 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,207 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 19 |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1331% | 2,496 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0099% | 1,792 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0162% | 8,462 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0203% | 1,426 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2891% | 130 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0103% | 1,407 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4854% | 1,203 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6917% | 1,075 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| 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 | 0.0000% | 12 |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2067% | 3,316 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0021% | 7,990 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0731% | 8,642 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0214% | 2,883 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0767% | 443 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0193% | 2,787 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9762% | 1,710 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.3038% | 670 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| 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 | 0.0000% | 56 |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2339% | 2,634 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0087% | 8,205 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0991% | 8,720 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0201% | 2,429 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0181% | 458 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0202% | 2,316 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2079% | 1,228 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.5116% | 537 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| 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 | 0.0000% | 45 |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2109% | 2,680 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0014% | 2,904 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0769% | 8,710 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0270% | 1,932 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0280% | 1,846 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8246% | 1,469 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.5352% | 556 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| 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 | 0.0000% | 37 |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2713% | 1,911 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0033% | 2,001 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1609% | 8,832 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0556% | 1,226 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0578% | 1,164 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6447% | 691 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.3961% | 706 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| 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 | 0.0000% | 23 |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2512% | 3,153 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0638% | 2,310 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2248% | 802 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0224% | 2,829 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0233% | 2,689 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4175% | 1,459 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5904% | 1,276 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| 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 | 0.0000% | 51 |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1804% | 3,862 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0474% | 2,417 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1251% | 884 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0281% | 2,515 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0842% | 445 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0256% | 2,450 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0339% | 4,566 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6731% | 1,073 |
| Percentage Net Loans Charged-off: Credit card loans | -3.9455% | 5,539 |
| 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 | 0.3088% | 2,188 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0901% | 277 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3257% | 73 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0436% | 478 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1125% | 202 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0401% | 471 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0147% | 1,315 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9728% | 180 |
| Percentage Net Loans Charged-off: Credit card loans | 2.1991% | 454 |
| 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 | 0.0000% | 23 |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1805% | 3,484 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1499% | 1,498 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | -1.0213% | 1,497 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0264% | 685 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1214% | 199 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0211% | 701 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3483% | 503 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5228% | 262 |
| Percentage Net Loans Charged-off: Credit card loans | 3.4498% | 277 |
| 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 | 0.0000% | 23 |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3815% | 1,956 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0169% | 736 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2851% | 131 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0342% | 1,397 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0363% | 1,389 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1973% | 630 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4118% | 320 |
| Percentage Net Loans Charged-off: Credit card loans | 0.6367% | 890 |
| 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 | 1.1622% | 498 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4626% | 55 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.3561% | 14 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1321% | 253 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1413% | 220 |
| Percentage Net Loans Charged-off: Commercial and industrial | 11.7797% | 11 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4455% | 361 |
| Percentage Net Loans Charged-off: Credit card loans | -2.2380% | 1,299 |
| 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 | 0.3119% | 2,873 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1682% | 311 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6026% | 131 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0636% | 485 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8129% | 46 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 995 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4577% | 353 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6988% | 723 |
| Percentage Net Loans Charged-off: Credit card loans | -3.0279% | 1,365 |
| 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 | 0.0000% | 34 |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1458% | 4,706 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0305% | 772 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0212% | 564 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0338% | 641 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0370% | 586 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0225% | 1,094 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5769% | 703 |
| Percentage Net Loans Charged-off: Credit card loans | -5.6306% | 1,352 |
| 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 | 0.0000% | 48 |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1701% | 4,472 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0013% | 1,221 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1001% | 502 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0263% | 1,394 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0290% | 1,397 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0711% | 642 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7758% | 401 |
| Percentage Net Loans Charged-off: Credit card loans | -6.8587% | 1,312 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4027% | 129 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.8026% | 533 |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0582% | 8,065 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0338% | 985 |
| 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 | 4.9711% | 42 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0026% | 1,081 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0029% | 1,026 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4678% | 563 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0299% | 1,281 |
| Percentage Net Loans Charged-off: Credit card loans | -9.0662% | 1,313 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.2154% | 1,214 |
| 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 | 0.4930% | 4,313 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4982% | 462 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 639 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.0250% | 385 |
| Percentage Net Loans Charged-off: Multi-family residential | 9.6087% | 40 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3119% | 277 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0166% | 466 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3402% | 266 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.6725% | 255 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1127% | 1,319 |
| Percentage Net Loans Charged-off: Credit card loans | 2.7992% | 461 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.8196% | 141 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 1.8595% | 81 |