Home > The Troy Savings Bank > Net charge- offs to loans
The Troy Savings Bank, Net charge- offs to loans
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0821% | 5,165 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0212% | 3,251 |
| Percentage Net Loans Charged-off:Construction & development | -0.1270% | 8,060 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,593 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0044% | 181 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0542% | 2,306 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0595% | 2,152 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0624% | 4,360 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1489% | 752 |
| 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 | 0.5956% | 912 |
| 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 | 0.0627% | 5,079 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0261% | 2,602 |
| Percentage Net Loans Charged-off:Construction & development | -0.1414% | 8,058 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,273 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0059% | 132 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0641% | 1,793 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0699% | 1,692 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0587% | 3,791 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1791% | 683 |
| 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 | 0.0596% | 4,736 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0226% | 2,302 |
| Percentage Net Loans Charged-off:Construction & development | -0.1410% | 8,027 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 978 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0576% | 1,595 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0624% | 1,516 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0512% | 3,304 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1072% | 742 |
| 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 | 0.0650% | 3,887 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0248% | 1,662 |
| Percentage Net Loans Charged-off:Construction & development | -0.1697% | 7,983 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 618 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0643% | 1,173 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0692% | 1,112 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0038% | 7,232 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.6320% | 605 |
| 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 | 0.0982% | 5,192 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0269% | 3,095 |
| Percentage Net Loans Charged-off:Construction & development | -0.1501% | 8,153 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0514% | 1,250 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0264% | 166 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0215% | 2,852 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0225% | 2,702 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2302% | 3,683 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7672% | 1,063 |
| 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 | 0.1712% | 3,990 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0326% | 2,749 |
| Percentage Net Loans Charged-off:Construction & development | 0.3389% | 381 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0403% | 8,924 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0270% | 161 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0589% | 1,983 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0602% | 1,897 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2895% | 3,301 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0080% | 804 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 2,107 |
| 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 | 0.1854% | 3,342 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1128% | 220 |
| Percentage Net Loans Charged-off:Construction & development | 0.6707% | 43 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0758% | 1,447 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4664% | 33 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1104% | 227 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1130% | 224 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0404% | 970 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6270% | 229 |
| Percentage Net Loans Charged-off: Credit card loans | 0.2140% | 948 |
| 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 | 0.2167% | 3,021 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1622% | 169 |
| Percentage Net Loans Charged-off:Construction & development | -0.2624% | 1,426 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1756% | 143 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3138% | 52 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1303% | 229 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1344% | 219 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1050% | 785 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1900% | 362 |
| Percentage Net Loans Charged-off: Credit card loans | 0.6720% | 857 |
| 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 | 0.3594% | 2,080 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3878% | 63 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1364% | 24 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0110% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1886% | 148 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1963% | 137 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0762% | 815 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4042% | 923 |
| Percentage Net Loans Charged-off: Credit card loans | -0.2589% | 1,265 |
| 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 | 0.0000% | 24 |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3944% | 2,050 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4167% | 66 |
| Percentage Net Loans Charged-off:Construction & development | 0.8696% | 48 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.5317% | 26 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0844% | 159 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0693% | 438 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0724% | 399 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2244% | 556 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2109% | 1,146 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5898% | 753 |
| 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 | 0.0000% | 31 |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2732% | 3,227 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2831% | 182 |
| Percentage Net Loans Charged-off:Construction & development | 2.7358% | 35 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2210% | 273 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1807% | 160 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2075% | 195 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2167% | 179 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2117% | 559 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0729% | 1,312 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5394% | 978 |
| 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 | 0.2074% | 3,765 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1747% | 357 |
| Percentage Net Loans Charged-off:Construction & development | 1.0680% | 100 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0655% | 495 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.2488% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1464% | 281 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0276% | 1,296 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1529% | 271 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7445% | 228 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4700% | 800 |
| Percentage Net Loans Charged-off: Credit card loans | 2.8424% | 348 |
| 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 | 0.1001% | 5,725 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0431% | 771 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1335% | 472 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0323% | 689 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0376% | 320 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0321% | 657 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4561% | 147 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0892% | 1,192 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8427% | 791 |
| 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 | 0.0000% | 53 |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2134% | 5,201 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1280% | 689 |
| Percentage Net Loans Charged-off:Construction & development | 0.0253% | 465 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3211% | 499 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1403% | 310 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0532% | 675 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0556% | 638 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.7501% | 156 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2005% | 1,088 |
| 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 | 0.6623% | 79 |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2318% | 6,851 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1453% | 842 |
| Percentage Net Loans Charged-off:Construction & development | 2.4637% | 256 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0630% | 869 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0879% | 381 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0941% | 621 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0091% | 1,286 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1008% | 585 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9244% | 371 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8009% | 707 |
| Percentage Net Loans Charged-off: Credit card loans | 0.7981% | 929 |
| 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 |