Home > Vermont Federal National Bank > Loan Charge- Offs and Recoveries
Vermont Federal National Bank, Loan Charge- Offs and Recoveries
| 1996-12-31 (YTD Data) | Rank | |
| Total charge-offs | $3,527,000 | 500 |
| Loans secured by real estate, total | $3,103,000 | 171 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $3,103,000 | 171 |
| Construction and land development | $0 | 737 |
| Secured by farmland | NA | NA |
| Total charge-offs secured by 1-4 family residential properties | $480,000 | 328 |
| Secured by multifamily residential properties | $0 | 460 |
| Secured by nonfarm nonresidential properties | $2,623,000 | 80 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $144,000 | 1,881 |
| Loans to individuals | $280,000 | 1,271 |
| Credit card loan charge offs | $78,000 | 796 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $202,000 | 1,315 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $170,000 | 1,687 |
| Loans secured by real estate, total | $72,000 | 1,011 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $72,000 | 1,011 |
| Construction and land development | $0 | 613 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties - total recoveries | $55,000 | 607 |
| Secured by multifamily residential properties | $0 | 399 |
| Secured by nonfarm nonresidential properties | $17,000 | 1,011 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $62,000 | 1,600 |
| Loans to individuals | $36,000 | 2,212 |
| Credit card loan recoveries | $8,000 | 974 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $28,000 | 2,377 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $3,357,000 | 422 |
| Loans secured by real estate, total | $3,031,000 | 129 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $3,031,000 | 128 |
| Construction and land development | $0 | 634 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties- net charge-offs | $425,000 | 306 |
| Secured by multifamily residential properties | $0 | 413 |
| Secured by nonfarm nonresidential properties | $2,606,000 | 57 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $82,000 | 2,070 |
| To non-U.S. addressees | NA | NA |
| Loans to individuals | $244,000 | 1,157 |
| Credit card loan net charge offs | $70,000 | 762 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $174,000 | 1,140 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1995-12-31 (YTD Data) | Rank | |
| Total charge-offs | $1,008,000 | 1,112 |
| Loans secured by real estate, total | $635,000 | 619 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $635,000 | 618 |
| Construction and land development | $10,000 | 682 |
| Secured by farmland | NA | NA |
| Total charge-offs secured by 1-4 family residential properties | $410,000 | 405 |
| Secured by multifamily residential properties | $33,000 | 415 |
| Secured by nonfarm nonresidential properties | $182,000 | 678 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $8,000 | 6,051 |
| Loans to individuals | $365,000 | 996 |
| Credit card loan charge offs | $36,000 | 1,132 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $329,000 | 848 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $1,169,000 | 446 |
| Loans secured by real estate, total | $1,058,000 | 180 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $1,058,000 | 178 |
| Construction and land development | $0 | 688 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties - total recoveries | $21,000 | 1,200 |
| Secured by multifamily residential properties | $53,000 | 173 |
| Secured by nonfarm nonresidential properties | $984,000 | 127 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $52,000 | 1,919 |
| Loans to individuals | $59,000 | 1,545 |
| Credit card loan recoveries | $8,000 | 1,019 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $51,000 | 1,539 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $-161,000 | 11,831 |
| Loans secured by real estate, total | $-423,000 | 11,903 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $-423,000 | 11,933 |
| Construction and land development | $10,000 | 595 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties- net charge-offs | $389,000 | 349 |
| Secured by multifamily residential properties | $-20,000 | 11,850 |
| Secured by nonfarm nonresidential properties | $-802,000 | 11,926 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $-44,000 | 11,241 |
| To non-U.S. addressees | NA | NA |
| Loans to individuals | $306,000 | 877 |
| Credit card loan net charge offs | $28,000 | 1,146 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $278,000 | 711 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1994-12-31 (YTD Data) | Rank | |
| Total charge-offs | $2,206,000 | 690 |
| Loans secured by real estate, total | $337,000 | 1,017 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $337,000 | 1,017 |
| Construction and land development | $0 | 994 |
| Secured by farmland | NA | NA |
| Total charge-offs secured by 1-4 family residential properties | $250,000 | 644 |
| Secured by multifamily residential properties | $27,000 | 507 |
| Secured by nonfarm nonresidential properties | $60,000 | 1,252 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $1,489,000 | 296 |
| Loans to individuals | $380,000 | 869 |
| Credit card loan charge offs | $74,000 | 789 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $306,000 | 784 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $342,000 | 1,126 |
| Loans secured by real estate, total | $83,000 | 1,121 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $83,000 | 1,121 |
| Construction and land development | $0 | 797 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties - total recoveries | $48,000 | 754 |
| Secured by multifamily residential properties | $0 | 504 |
| Secured by nonfarm nonresidential properties | $35,000 | 941 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $207,000 | 751 |
| Loans to individuals | $52,000 | 1,768 |
| Credit card loan recoveries | $13,000 | 837 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $39,000 | 2,050 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $1,864,000 | 584 |
| Loans secured by real estate, total | $254,000 | 992 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $254,000 | 992 |
| Construction and land development | $0 | 849 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties- net charge-offs | $202,000 | 627 |
| Secured by multifamily residential properties | $27,000 | 471 |
| Secured by nonfarm nonresidential properties | $25,000 | 1,462 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $1,282,000 | 214 |
| To non-U.S. addressees | NA | NA |
| Loans to individuals | $328,000 | 721 |
| Credit card loan net charge offs | $61,000 | 768 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $267,000 | 575 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1993-12-31 (YTD Data) | Rank | |
| Total charge-offs | $3,792,000 | 584 |
| Loans secured by real estate, total | $577,000 | 958 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $577,000 | 957 |
| Construction and land development | $0 | 1,259 |
| Secured by farmland | NA | NA |
| Total charge-offs secured by 1-4 family residential properties | $575,000 | 421 |
| Secured by multifamily residential properties | $0 | 764 |
| Secured by nonfarm nonresidential properties | $2,000 | 3,055 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $2,900,000 | 250 |
| Loans to individuals | $315,000 | 1,092 |
| Credit card loan charge offs | $84,000 | 809 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $231,000 | 1,088 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $467,000 | 955 |
| Loans secured by real estate, total | $30,000 | 2,104 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $30,000 | 2,105 |
| Construction and land development | $0 | 926 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties - total recoveries | $29,000 | 1,161 |
| Secured by multifamily residential properties | $0 | 535 |
| Secured by nonfarm nonresidential properties | $1,000 | 2,379 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $405,000 | 466 |
| Loans to individuals | $32,000 | 2,721 |
| Credit card loan recoveries | $9,000 | 1,044 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $23,000 | 3,115 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $3,325,000 | 527 |
| Loans secured by real estate, total | $547,000 | 853 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $547,000 | 851 |
| Construction and land development | $0 | 1,117 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties- net charge-offs | $546,000 | 386 |
| Secured by multifamily residential properties | $0 | 715 |
| Secured by nonfarm nonresidential properties | $1,000 | 2,754 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $2,495,000 | 215 |
| To non-U.S. addressees | NA | NA |
| Loans to individuals | $283,000 | 880 |
| Credit card loan net charge offs | $75,000 | 770 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $208,000 | 791 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1992-12-31 (YTD Data) | Rank | |
| Total charge-offs | $5,117,000 | 590 |
| Loans secured by real estate, total | $289,000 | 1,753 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $289,000 | 1,753 |
| Construction and land development | $0 | 1,669 |
| Secured by farmland | NA | NA |
| Total charge-offs secured by 1-4 family residential properties | $91,000 | 1,723 |
| Secured by multifamily residential properties | $0 | 893 |
| Secured by nonfarm nonresidential properties | $198,000 | 1,233 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $4,596,000 | 242 |
| Loans to individuals | $232,000 | 1,692 |
| Credit card loan charge offs | $84,000 | 904 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $148,000 | 1,991 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $318,000 | 1,316 |
| Loans secured by real estate, total | $36,000 | 1,949 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $36,000 | 1,948 |
| Construction and land development | $0 | 1,048 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties - total recoveries | $0 | 4,685 |
| Secured by multifamily residential properties | $0 | 476 |
| Secured by nonfarm nonresidential properties | $36,000 | 898 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $248,000 | 709 |
| Loans to individuals | $34,000 | 2,759 |
| Credit card loan recoveries | $5,000 | 1,375 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $29,000 | 2,832 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $4,799,000 | 540 |
| Loans secured by real estate, total | $253,000 | 1,712 |
| To non-U.S. addressees | NA | NA |
| Real estate loans in domestic offices | $253,000 | 1,712 |
| Construction and land development | $0 | 1,547 |
| Secured by farmland | NA | NA |
| Secured by 1-4 family residential properties- net charge-offs | $91,000 | 1,495 |
| Secured by multifamily residential properties | $0 | 849 |
| Secured by nonfarm nonresidential properties | $162,000 | 1,254 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | NA | NA |
| To foreign banks | NA | NA |
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Commercial and industrial loans | $4,348,000 | 214 |
| To non-U.S. addressees | NA | NA |
| Loans to individuals | $198,000 | 1,472 |
| Credit card loan net charge offs | $79,000 | 860 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $119,000 | 1,741 |
| Loans to foreign governments and official institutions | NA | NA |
| Other loans | NA | NA |
| Lease financing receivables | NA | NA |
| 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.