Home > F&M Bank-Winchester > Net charge- offs to loans
F&M Bank-Winchester, Net charge- offs to loans
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4505% | 1,821 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1315% | 1,370 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2195% | 701 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0972% | 1,565 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1787% | 331 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0896% | 1,580 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9031% | 1,038 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3810% | 1,446 |
| Percentage Net Loans Charged-off: Credit card loans | 3.3326% | 795 |
| 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 | 0.1403% | 3,917 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0101% | 1,368 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0267% | 1,369 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 864 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1343% | 1,412 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0338% | 395 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9924% | 493 |
| 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 | 0.1592% | 3,767 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0230% | 1,387 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0547% | 1,340 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0033% | 1,342 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0037% | 1,349 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3874% | 465 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8827% | 514 |
| Percentage Net Loans Charged-off: Credit card loans | 2.5454% | 430 |
| 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 | 0.5111% | 1,425 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1967% | 143 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5808% | 59 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0158% | 729 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0772% | 267 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0093% | 744 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0670% | 78 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9977% | 491 |
| Percentage Net Loans Charged-off: Credit card loans | 2.7637% | 454 |
| 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 | 0.3461% | 2,361 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1847% | 182 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1589% | 224 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0254% | 712 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0284% | 642 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1734% | 1,287 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6225% | 308 |
| Percentage Net Loans Charged-off: Credit card loans | 5.0639% | 211 |
| 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 | 0.2572% | 3,387 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0172% | 813 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0326% | 462 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0087% | 905 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0101% | 845 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3139% | 147 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8599% | 608 |
| Percentage Net Loans Charged-off: Credit card loans | 2.4265% | 542 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0233% | 407 |
| 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 | 0.2464% | 3,324 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1504% | 391 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 615 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3121% | 138 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3675% | 122 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2556% | 463 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7788% | 510 |
| Percentage Net Loans Charged-off: Credit card loans | 2.1583% | 485 |
| 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 | 0.1263% | 5,195 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0164% | 923 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 668 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0331% | 682 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0387% | 611 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5288% | 333 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4674% | 660 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8956% | 765 |
| 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 | 0.1300% | 6,517 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0060% | 1,160 |
| 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 | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0118% | 981 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0139% | 908 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2383% | 713 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7530% | 526 |
| Percentage Net Loans Charged-off: Credit card loans | 0.9843% | 780 |
| 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 | 0.0000% | 93 |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5509% | 3,916 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1116% | 919 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 639 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2539% | 705 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 418 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0548% | 772 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0668% | 695 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.4578% | 281 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9688% | 593 |
| Percentage Net Loans Charged-off: Credit card loans | 1.1859% | 836 |
| 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 |