CFX Bank, Loan Charge- Offs and Recoveries
| 1997-12-31 (YTD Data) | Rank | |
| Total charge-offs | $3,980,000 | 399 |
| Loans secured by real estate, total | $812,000 | 348 |
| To non-U.S. addressees | $0 | 11 |
| Real estate loans in domestic offices | $812,000 | 346 |
| Construction and land development | $0 | 676 |
| Secured by farmland | $0 | 358 |
| Total charge-offs secured by 1-4 family residential properties | $624,000 | 241 |
| Secured by multifamily residential properties | $0 | 405 |
| Secured by nonfarm nonresidential properties | $188,000 | 401 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 18 |
| To foreign banks | $0 | 10 |
| Loans to finance agricultural production and other loans to farmers | $0 | 200 |
| Commercial and industrial loans | $1,675,000 | 203 |
| Loans to individuals | $1,493,000 | 449 |
| Credit card loan charge offs | $0 | 3,914 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $1,493,000 | 305 |
| Loans to foreign governments and official institutions | $0 | 7 |
| Other loans | $0 | 270 |
| Lease financing receivables | $0 | 317 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $1,689,000 | 296 |
| Loans secured by real estate, total | $416,000 | 279 |
| To non-U.S. addressees | $0 | 12 |
| Real estate loans in domestic offices | $416,000 | 279 |
| Construction and land development | $10,000 | 306 |
| Secured by farmland | $0 | 504 |
| Secured by 1-4 family residential properties - total recoveries | $207,000 | 198 |
| Secured by multifamily residential properties | $0 | 333 |
| Secured by nonfarm nonresidential properties | $199,000 | 259 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 28 |
| To foreign banks | $0 | 18 |
| Loans to finance agricultural production and other loans to farmers | $0 | 218 |
| Commercial and industrial loans | $998,000 | 134 |
| Loans to individuals | $275,000 | 482 |
| Credit card loan recoveries | $0 | 2,736 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $275,000 | 373 |
| Loans to foreign governments and official institutions | $0 | 27 |
| Other loans | $0 | 271 |
| Lease financing receivables | $0 | 286 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $2,291,000 | 465 |
| Loans secured by real estate, total | $396,000 | 440 |
| To non-U.S. addressees | $0 | 10 |
| Real estate loans in domestic offices | $396,000 | 438 |
| Construction and land development | $-10,000 | 10,689 |
| Secured by farmland | $0 | 284 |
| Secured by 1-4 family residential properties- net charge-offs | $417,000 | 275 |
| Secured by multifamily residential properties | $0 | 354 |
| Secured by nonfarm nonresidential properties | $-11,000 | 10,338 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 16 |
| To foreign banks | $0 | 8 |
| Loans to finance agricultural production and other loans to farmers | $0 | 139 |
| Commercial and industrial loans | $677,000 | 343 |
| To non-U.S. addressees | $0 | 21 |
| Loans to individuals | $1,218,000 | 435 |
| Credit card loan net charge offs | $0 | 3,690 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $1,218,000 | 290 |
| Loans to foreign governments and official institutions | $0 | 7 |
| Other loans | $0 | 229 |
| Lease financing receivables | $0 | 291 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1996-12-31 (YTD Data) | Rank | |
| Total charge-offs | $2,442,000 | 631 |
| Loans secured by real estate, total | $1,757,000 | 259 |
| To non-U.S. addressees | $0 | 10 |
| Real estate loans in domestic offices | $1,757,000 | 259 |
| Construction and land development | $0 | 737 |
| Secured by farmland | $0 | 391 |
| Total charge-offs secured by 1-4 family residential properties | $1,132,000 | 171 |
| Secured by multifamily residential properties | $0 | 460 |
| Secured by nonfarm nonresidential properties | $625,000 | 252 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 23 |
| To foreign banks | $0 | 12 |
| Loans to finance agricultural production and other loans to farmers | $0 | 223 |
| Commercial and industrial loans | $289,000 | 1,068 |
| Loans to individuals | $396,000 | 1,027 |
| Credit card loan charge offs | $0 | 4,125 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $396,000 | 814 |
| Loans to foreign governments and official institutions | $0 | 11 |
| Other loans | $0 | 308 |
| Lease financing receivables | $0 | 355 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $299,000 | 1,107 |
| Loans secured by real estate, total | $181,000 | 562 |
| To non-U.S. addressees | $0 | 8 |
| Real estate loans in domestic offices | $181,000 | 562 |
| Construction and land development | $0 | 613 |
| Secured by farmland | $0 | 587 |
| Secured by 1-4 family residential properties - total recoveries | $162,000 | 257 |
| Secured by multifamily residential properties | $0 | 399 |
| Secured by nonfarm nonresidential properties | $19,000 | 969 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 32 |
| To foreign banks | $0 | 18 |
| Loans to finance agricultural production and other loans to farmers | $0 | 231 |
| Commercial and industrial loans | $38,000 | 2,239 |
| Loans to individuals | $80,000 | 1,208 |
| Credit card loan recoveries | $0 | 2,751 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $80,000 | 1,050 |
| Loans to foreign governments and official institutions | $0 | 32 |
| Other loans | $0 | 331 |
| Lease financing receivables | $0 | 294 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $2,143,000 | 548 |
| Loans secured by real estate, total | $1,576,000 | 208 |
| To non-U.S. addressees | $0 | 7 |
| Real estate loans in domestic offices | $1,576,000 | 207 |
| Construction and land development | $0 | 634 |
| Secured by farmland | $0 | 311 |
| Secured by 1-4 family residential properties- net charge-offs | $970,000 | 160 |
| Secured by multifamily residential properties | $0 | 413 |
| Secured by nonfarm nonresidential properties | $606,000 | 186 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 20 |
| To foreign banks | $0 | 10 |
| Loans to finance agricultural production and other loans to farmers | $0 | 178 |
| Commercial and industrial loans | $251,000 | 881 |
| To non-U.S. addressees | $0 | 22 |
| Loans to individuals | $316,000 | 972 |
| Credit card loan net charge offs | $0 | 3,910 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $316,000 | 750 |
| Loans to foreign governments and official institutions | $0 | 5 |
| Other loans | $0 | 263 |
| Lease financing receivables | $0 | 316 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1995-12-31 (YTD Data) | Rank | |
| Total charge-offs | $1,827,000 | 760 |
| Loans secured by real estate, total | $1,090,000 | 460 |
| To non-U.S. addressees | $0 | 15 |
| Real estate loans in domestic offices | $1,090,000 | 458 |
| Construction and land development | $0 | 883 |
| Secured by farmland | $0 | 381 |
| Total charge-offs secured by 1-4 family residential properties | $758,000 | 247 |
| Secured by multifamily residential properties | $0 | 559 |
| Secured by nonfarm nonresidential properties | $332,000 | 485 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 23 |
| To foreign banks | $0 | 20 |
| Loans to finance agricultural production and other loans to farmers | $0 | 186 |
| Commercial and industrial loans | $581,000 | 548 |
| Loans to individuals | $156,000 | 1,728 |
| Credit card loan charge offs | $0 | 4,035 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $156,000 | 1,443 |
| Loans to foreign governments and official institutions | $0 | 15 |
| Other loans | $0 | 360 |
| Lease financing receivables | $0 | 341 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $375,000 | 941 |
| Loans secured by real estate, total | $89,000 | 964 |
| To non-U.S. addressees | $0 | 13 |
| Real estate loans in domestic offices | $89,000 | 963 |
| Construction and land development | $0 | 688 |
| Secured by farmland | $0 | 623 |
| Secured by 1-4 family residential properties - total recoveries | $89,000 | 419 |
| Secured by multifamily residential properties | $0 | 496 |
| Secured by nonfarm nonresidential properties | $0 | 2,179 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 32 |
| To foreign banks | $0 | 20 |
| Loans to finance agricultural production and other loans to farmers | $0 | 227 |
| Commercial and industrial loans | $140,000 | 892 |
| Loans to individuals | $146,000 | 807 |
| Credit card loan recoveries | $0 | 2,795 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $146,000 | 702 |
| Loans to foreign governments and official institutions | $0 | 30 |
| Other loans | $0 | 383 |
| Lease financing receivables | $0 | 322 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $1,452,000 | 704 |
| Loans secured by real estate, total | $1,001,000 | 384 |
| To non-U.S. addressees | $0 | 12 |
| Real estate loans in domestic offices | $1,001,000 | 383 |
| Construction and land development | $0 | 772 |
| Secured by farmland | $0 | 306 |
| Secured by 1-4 family residential properties- net charge-offs | $669,000 | 227 |
| Secured by multifamily residential properties | $0 | 498 |
| Secured by nonfarm nonresidential properties | $332,000 | 398 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 19 |
| To foreign banks | $0 | 18 |
| Loans to finance agricultural production and other loans to farmers | $0 | 130 |
| Commercial and industrial loans | $441,000 | 484 |
| To non-U.S. addressees | $0 | 22 |
| Loans to individuals | $10,000 | 5,694 |
| Credit card loan net charge offs | $0 | 3,773 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $10,000 | 5,131 |
| Loans to foreign governments and official institutions | $0 | 11 |
| Other loans | $0 | 309 |
| Lease financing receivables | $0 | 281 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1994-12-31 (YTD Data) | Rank | |
| Total charge-offs | $1,172,000 | 1,032 |
| Loans secured by real estate, total | $277,000 | 1,148 |
| To non-U.S. addressees | $0 | 13 |
| Real estate loans in domestic offices | $277,000 | 1,148 |
| Construction and land development | $0 | 994 |
| Secured by farmland | $0 | 491 |
| Total charge-offs secured by 1-4 family residential properties | $277,000 | 608 |
| Secured by multifamily residential properties | $0 | 659 |
| Secured by nonfarm nonresidential properties | $0 | 2,579 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 18 |
| To foreign banks | $0 | 13 |
| Loans to finance agricultural production and other loans to farmers | $0 | 188 |
| Commercial and industrial loans | $700,000 | 534 |
| Loans to individuals | $195,000 | 1,371 |
| Credit card loan charge offs | $33,000 | 1,134 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $162,000 | 1,302 |
| Loans to foreign governments and official institutions | $0 | 15 |
| Other loans | $0 | 345 |
| Lease financing receivables | $0 | 332 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $415,000 | 980 |
| Loans secured by real estate, total | $169,000 | 697 |
| To non-U.S. addressees | $0 | 12 |
| Real estate loans in domestic offices | $169,000 | 696 |
| Construction and land development | $0 | 797 |
| Secured by farmland | $0 | 744 |
| Secured by 1-4 family residential properties - total recoveries | $169,000 | 265 |
| Secured by multifamily residential properties | $0 | 504 |
| Secured by nonfarm nonresidential properties | $0 | 2,421 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 33 |
| To foreign banks | $0 | 21 |
| Loans to finance agricultural production and other loans to farmers | $0 | 235 |
| Commercial and industrial loans | $144,000 | 1,019 |
| Loans to individuals | $102,000 | 1,096 |
| Credit card loan recoveries | $2,000 | 1,785 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $100,000 | 975 |
| Loans to foreign governments and official institutions | $0 | 34 |
| Other loans | $0 | 356 |
| Lease financing receivables | $0 | 351 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $757,000 | 1,040 |
| Loans secured by real estate, total | $108,000 | 1,536 |
| To non-U.S. addressees | $0 | 9 |
| Real estate loans in domestic offices | $108,000 | 1,537 |
| Construction and land development | $0 | 849 |
| Secured by farmland | $0 | 385 |
| Secured by 1-4 family residential properties- net charge-offs | $108,000 | 925 |
| Secured by multifamily residential properties | $0 | 608 |
| Secured by nonfarm nonresidential properties | $0 | 2,119 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 14 |
| To foreign banks | $0 | 11 |
| Loans to finance agricultural production and other loans to farmers | $0 | 130 |
| Commercial and industrial loans | $556,000 | 427 |
| To non-U.S. addressees | $0 | 26 |
| Loans to individuals | $93,000 | 1,683 |
| Credit card loan net charge offs | $31,000 | 1,026 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $62,000 | 1,833 |
| Loans to foreign governments and official institutions | $0 | 9 |
| Other loans | $0 | 276 |
| Lease financing receivables | $0 | 251 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1993-12-31 (YTD Data) | Rank | |
| Total charge-offs | $3,904,000 | 575 |
| Loans secured by real estate, total | $1,810,000 | 485 |
| To non-U.S. addressees | $0 | 19 |
| Real estate loans in domestic offices | $1,810,000 | 484 |
| Construction and land development | $0 | 1,259 |
| Secured by farmland | $0 | 674 |
| Total charge-offs secured by 1-4 family residential properties | $1,215,000 | 221 |
| Secured by multifamily residential properties | $519,000 | 160 |
| Secured by nonfarm nonresidential properties | $76,000 | 1,437 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 28 |
| To foreign banks | $0 | 17 |
| Loans to finance agricultural production and other loans to farmers | $0 | 175 |
| Commercial and industrial loans | $1,758,000 | 364 |
| Loans to individuals | $336,000 | 1,044 |
| Credit card loan charge offs | $0 | 4,176 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $336,000 | 811 |
| Loans to foreign governments and official institutions | $0 | 34 |
| Other loans | $0 | 371 |
| Lease financing receivables | $0 | 379 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $370,000 | 1,142 |
| Loans secured by real estate, total | $209,000 | 612 |
| To non-U.S. addressees | $0 | 16 |
| Real estate loans in domestic offices | $209,000 | 611 |
| Construction and land development | $0 | 926 |
| Secured by farmland | $0 | 821 |
| Secured by 1-4 family residential properties - total recoveries | $96,000 | 437 |
| Secured by multifamily residential properties | $0 | 535 |
| Secured by nonfarm nonresidential properties | $113,000 | 499 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 43 |
| To foreign banks | $0 | 26 |
| Loans to finance agricultural production and other loans to farmers | $0 | 220 |
| Commercial and industrial loans | $78,000 | 1,863 |
| Loans to individuals | $83,000 | 1,379 |
| Credit card loan recoveries | $0 | 2,866 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $83,000 | 1,222 |
| Loans to foreign governments and official institutions | $0 | 38 |
| Other loans | $0 | 355 |
| Lease financing receivables | $0 | 365 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $3,534,000 | 510 |
| Loans secured by real estate, total | $1,601,000 | 458 |
| To non-U.S. addressees | $0 | 18 |
| Real estate loans in domestic offices | $1,601,000 | 457 |
| Construction and land development | $0 | 1,117 |
| Secured by farmland | $0 | 548 |
| Secured by 1-4 family residential properties- net charge-offs | $1,119,000 | 214 |
| Secured by multifamily residential properties | $519,000 | 148 |
| Secured by nonfarm nonresidential properties | $-37,000 | 12,945 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 16 |
| To foreign banks | $0 | 11 |
| Loans to finance agricultural production and other loans to farmers | $0 | 121 |
| Commercial and industrial loans | $1,680,000 | 292 |
| To non-U.S. addressees | $0 | 36 |
| Loans to individuals | $253,000 | 951 |
| Credit card loan net charge offs | $0 | 3,895 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $253,000 | 678 |
| Loans to foreign governments and official institutions | $0 | 28 |
| Other loans | $0 | 299 |
| Lease financing receivables | $0 | 315 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1992-12-31 (YTD Data) | Rank | |
| Total charge-offs | $1,563,000 | 1,342 |
| Loans secured by real estate, total | $1,229,000 | 752 |
| To non-U.S. addressees | $0 | 17 |
| Real estate loans in domestic offices | $1,229,000 | 752 |
| Construction and land development | $30,000 | 1,169 |
| Secured by farmland | $0 | 904 |
| Total charge-offs secured by 1-4 family residential properties | $895,000 | 311 |
| Secured by multifamily residential properties | $0 | 893 |
| Secured by nonfarm nonresidential properties | $304,000 | 987 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 43 |
| To foreign banks | $0 | 20 |
| Loans to finance agricultural production and other loans to farmers | $0 | 201 |
| Commercial and industrial loans | $260,000 | 2,244 |
| Loans to individuals | $74,000 | 3,675 |
| Credit card loan charge offs | $0 | 4,333 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $74,000 | 3,277 |
| Loans to foreign governments and official institutions | $0 | 43 |
| Other loans | $0 | 387 |
| Lease financing receivables | $0 | 464 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $66,000 | 4,342 |
| Loans secured by real estate, total | $38,000 | 1,873 |
| To non-U.S. addressees | $0 | 7 |
| Real estate loans in domestic offices | $38,000 | 1,873 |
| Construction and land development | $0 | 1,048 |
| Secured by farmland | $0 | 870 |
| Secured by 1-4 family residential properties - total recoveries | $38,000 | 949 |
| Secured by multifamily residential properties | $0 | 476 |
| Secured by nonfarm nonresidential properties | $0 | 2,509 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 52 |
| To foreign banks | $0 | 28 |
| Loans to finance agricultural production and other loans to farmers | $0 | 217 |
| Commercial and industrial loans | $0 | 9,301 |
| Loans to individuals | $28,000 | 3,111 |
| Credit card loan recoveries | $0 | 2,868 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $28,000 | 2,893 |
| Loans to foreign governments and official institutions | $0 | 47 |
| Other loans | $0 | 349 |
| Lease financing receivables | $0 | 397 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $1,497,000 | 1,189 |
| Loans secured by real estate, total | $1,191,000 | 713 |
| To non-U.S. addressees | $0 | 17 |
| Real estate loans in domestic offices | $1,191,000 | 713 |
| Construction and land development | $30,000 | 1,101 |
| Secured by farmland | $0 | 773 |
| Secured by 1-4 family residential properties- net charge-offs | $857,000 | 275 |
| Secured by multifamily residential properties | $0 | 849 |
| Secured by nonfarm nonresidential properties | $304,000 | 921 |
| Real estate loans in foreign offices | NA | NA |
| Loans to depository institutions | $0 | 36 |
| To foreign banks | $0 | 15 |
| Loans to finance agricultural production and other loans to farmers | $0 | 152 |
| Commercial and industrial loans | $260,000 | 1,885 |
| To non-U.S. addressees | $0 | 50 |
| Loans to individuals | $46,000 | 3,833 |
| Credit card loan net charge offs | $0 | 4,099 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $46,000 | 3,386 |
| Loans to foreign governments and official institutions | $0 | 37 |
| Other loans | $0 | 326 |
| Lease financing receivables | $0 | 406 |
| 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.