Home > The Savings Bank of Manchester > Net charge- offs to loans
The Savings Bank of Manchester, Net charge- offs to loans
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0725% | 8,218 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1056% | 8,700 |
| Percentage Net Loans Charged-off:Construction & development | -0.0054% | 7,802 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.5237% | 8,743 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0037% | 8,076 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0039% | 8,107 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0356% | 7,147 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7066% | 1,058 |
| Percentage Net Loans Charged-off: Credit card loans | 3.6905% | 509 |
| 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 | NA | NA |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0550% | 5,771 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0013% | 7,938 |
| Percentage Net Loans Charged-off:Construction & development | -0.0044% | 7,938 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0022% | 1,578 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0020% | 8,154 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0021% | 8,164 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3822% | 2,960 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9420% | 2,545 |
| Percentage Net Loans Charged-off: Credit card loans | 2.8015% | 917 |
| 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 | NA | NA |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0539% | 5,267 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0006% | 3,461 |
| Percentage Net Loans Charged-off:Construction & development | -0.0040% | 7,933 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0039% | 8,414 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0020% | 2,880 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0021% | 2,731 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3618% | 2,544 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8522% | 2,566 |
| Percentage Net Loans Charged-off: Credit card loans | 2.6983% | 910 |
| 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 | NA | NA |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0612% | 4,707 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0043% | 8,082 |
| Percentage Net Loans Charged-off:Construction & development | -0.0059% | 7,916 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0037% | 8,417 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0044% | 8,229 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0046% | 8,262 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4848% | 1,988 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7272% | 2,755 |
| Percentage Net Loans Charged-off: Credit card loans | 1.6449% | 1,130 |
| 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 | NA | NA |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0589% | 4,005 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0087% | 8,326 |
| Percentage Net Loans Charged-off:Construction & development | -0.0060% | 7,891 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0045% | 8,553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0101% | 8,414 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0106% | 8,441 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3966% | 1,564 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1888% | 1,675 |
| Percentage Net Loans Charged-off: Credit card loans | 2.6253% | 793 |
| 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 | NA | NA |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0370% | 6,462 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0696% | 8,924 |
| Percentage Net Loans Charged-off:Construction & development | -0.8806% | 8,230 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0405% | 8,717 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.4907% | 6,605 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0002% | 8,235 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0002% | 8,243 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6098% | 2,572 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2897% | 1,740 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5272% | 1,458 |
| 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 | NA | NA |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0539% | 6,050 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0221% | 3,043 |
| Percentage Net Loans Charged-off:Construction & development | -0.0081% | 8,172 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0340% | 1,209 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1684% | 6,658 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0266% | 2,543 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0572% | 472 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0253% | 2,459 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1762% | 3,764 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5575% | 3,889 |
| Percentage Net Loans Charged-off: Credit card loans | 1.8826% | 1,316 |
| 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 | NA | NA |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0124% | 7,050 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0141% | 1,394 |
| Percentage Net Loans Charged-off:Construction & development | -0.0109% | 1,380 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0353% | 1,385 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0517% | 1,381 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0082% | 1,378 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0681% | 255 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0113% | 1,398 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1856% | 713 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0956% | 1,253 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5531% | 889 |
| 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 | 0.1209% | 4,421 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1175% | 232 |
| Percentage Net Loans Charged-off:Construction & development | 1.7865% | 19 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0214% | 1,270 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0556% | 1,357 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0350% | 611 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0365% | 575 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1077% | 783 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3335% | 971 |
| Percentage Net Loans Charged-off: Credit card loans | 0.4731% | 901 |
| 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 | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0697% | 5,852 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0535% | 453 |
| Percentage Net Loans Charged-off:Construction & development | -0.2732% | 1,355 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1188% | 236 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0304% | 1,299 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0616% | 430 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0621% | 287 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0616% | 400 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1711% | 667 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1867% | 1,145 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5590% | 700 |
| 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 | 0.0501% | 6,737 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0356% | 604 |
| Percentage Net Loans Charged-off:Construction & development | 1.1930% | 37 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1369% | 1,330 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0215% | 752 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1056% | 255 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0182% | 728 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0893% | 722 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3350% | 1,033 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 985 |
| 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 | 0.0763% | 6,288 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0305% | 714 |
| Percentage Net Loans Charged-off:Construction & development | -0.6360% | 1,419 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0060% | 1,167 |
| Percentage Net Loans Charged-off: Multi-family residential | -1.7394% | 1,430 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1471% | 272 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1526% | 259 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2819% | 485 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7242% | 700 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,056 |
| 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 | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1081% | 5,435 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1209% | 452 |
| Percentage Net Loans Charged-off:Construction & development | -0.4150% | 1,405 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1737% | 405 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1544% | 1,375 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1460% | 282 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1513% | 274 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1946% | 1,250 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4606% | 811 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,020 |
| 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 | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3381% | 2,693 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4093% | 239 |
| Percentage Net Loans Charged-off:Construction & development | 1.4295% | 118 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.0756% | 168 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3176% | 222 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2245% | 239 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2338% | 238 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.4128% | 1,257 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2117% | 1,007 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 989 |
| 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 | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5537% | 2,510 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6962% | 254 |
| Percentage Net Loans Charged-off:Construction & development | 9.7339% | 58 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2145% | 244 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.9315% | 173 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2328% | 289 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9910% | 48 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1937% | 336 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1217% | 1,245 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.5379% | 1,521 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,000 |
| 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 | NA | NA |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5195% | 4,121 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5478% | 436 |
| Percentage Net Loans Charged-off:Construction & development | 5.5398% | 152 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2646% | 335 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.8515% | 253 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0839% | 656 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0887% | 619 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2095% | 964 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2482% | 463 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,026 |
| 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 | NA | NA |