Home > Northern Central Bank > Loan Charge- Offs and Recoveries
Northern Central Bank, Loan Charge- Offs and Recoveries
| 1997-12-31 (YTD Data) | Rank | |
| Total charge-offs | $3,107,000 | 467 |
| Loans secured by real estate, total | $64,000 | 1,790 |
| To non-U.S. addressees | $0 | 11 |
| Real estate loans in domestic offices | $64,000 | 1,790 |
| Construction and land development | $0 | 676 |
| Secured by farmland | $0 | 358 |
| Total charge-offs secured by 1-4 family residential properties | $64,000 | 1,187 |
| Secured by multifamily residential properties | $0 | 405 |
| Secured by nonfarm nonresidential properties | $0 | 1,725 |
| 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 | $264,000 | 1,135 |
| Loans to individuals | $2,465,000 | 347 |
| Credit card loan charge offs | $340,000 | 397 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $2,125,000 | 243 |
| Loans to foreign governments and official institutions | $0 | 7 |
| Other loans | $0 | 270 |
| Lease financing receivables | $314,000 | 90 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $432,000 | 737 |
| Loans secured by real estate, total | $11,000 | 2,311 |
| To non-U.S. addressees | $0 | 12 |
| Real estate loans in domestic offices | $11,000 | 2,313 |
| Construction and land development | $0 | 513 |
| Secured by farmland | $0 | 504 |
| Secured by 1-4 family residential properties - total recoveries | $11,000 | 1,497 |
| Secured by multifamily residential properties | $0 | 333 |
| Secured by nonfarm nonresidential properties | $0 | 1,668 |
| 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 | $203,000 | 520 |
| Loans to individuals | $208,000 | 571 |
| Credit card loan recoveries | $26,000 | 495 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $182,000 | 506 |
| Loans to foreign governments and official institutions | $0 | 27 |
| Other loans | $0 | 271 |
| Lease financing receivables | $10,000 | 178 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $2,675,000 | 417 |
| Loans secured by real estate, total | $53,000 | 1,590 |
| To non-U.S. addressees | $0 | 10 |
| Real estate loans in domestic offices | $53,000 | 1,588 |
| Construction and land development | $0 | 590 |
| Secured by farmland | $0 | 284 |
| Secured by 1-4 family residential properties- net charge-offs | $53,000 | 1,130 |
| Secured by multifamily residential properties | $0 | 354 |
| Secured by nonfarm nonresidential properties | $0 | 1,405 |
| 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 | $61,000 | 2,385 |
| To non-U.S. addressees | $0 | 21 |
| Loans to individuals | $2,257,000 | 306 |
| Credit card loan net charge offs | $314,000 | 383 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $1,943,000 | 205 |
| Loans to foreign governments and official institutions | $0 | 7 |
| Other loans | $0 | 229 |
| Lease financing receivables | $304,000 | 86 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1996-12-31 (YTD Data) | Rank | |
| Total charge-offs | $3,028,000 | 553 |
| Loans secured by real estate, total | $28,000 | 2,803 |
| To non-U.S. addressees | $0 | 10 |
| Real estate loans in domestic offices | $28,000 | 2,803 |
| Construction and land development | $0 | 737 |
| Secured by farmland | $0 | 391 |
| Total charge-offs secured by 1-4 family residential properties | $28,000 | 1,993 |
| Secured by multifamily residential properties | $0 | 460 |
| Secured by nonfarm nonresidential properties | $0 | 1,929 |
| 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 | $630,000 | 534 |
| Loans to individuals | $2,211,000 | 391 |
| Credit card loan charge offs | $357,000 | 415 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $1,854,000 | 297 |
| Loans to foreign governments and official institutions | $0 | 11 |
| Other loans | $0 | 308 |
| Lease financing receivables | $159,000 | 125 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $507,000 | 757 |
| Loans secured by real estate, total | $53,000 | 1,211 |
| To non-U.S. addressees | $0 | 8 |
| Real estate loans in domestic offices | $53,000 | 1,211 |
| Construction and land development | $0 | 613 |
| Secured by farmland | $1,000 | 537 |
| Secured by 1-4 family residential properties - total recoveries | $44,000 | 707 |
| Secured by multifamily residential properties | $0 | 399 |
| Secured by nonfarm nonresidential properties | $8,000 | 1,297 |
| 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 | $69,000 | 1,480 |
| Loans to individuals | $362,000 | 479 |
| Credit card loan recoveries | $46,000 | 433 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $316,000 | 416 |
| Loans to foreign governments and official institutions | $0 | 32 |
| Other loans | $0 | 331 |
| Lease financing receivables | $23,000 | 138 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $2,521,000 | 496 |
| Loans secured by real estate, total | $-25,000 | 10,774 |
| To non-U.S. addressees | $0 | 7 |
| Real estate loans in domestic offices | $-25,000 | 10,798 |
| Construction and land development | $0 | 634 |
| Secured by farmland | $-1,000 | 9,648 |
| Secured by 1-4 family residential properties- net charge-offs | $-16,000 | 11,038 |
| Secured by multifamily residential properties | $0 | 413 |
| Secured by nonfarm nonresidential properties | $-8,000 | 10,698 |
| 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 | $561,000 | 433 |
| To non-U.S. addressees | $0 | 22 |
| Loans to individuals | $1,849,000 | 365 |
| Credit card loan net charge offs | $311,000 | 409 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $1,538,000 | 263 |
| Loans to foreign governments and official institutions | $0 | 5 |
| Other loans | $0 | 263 |
| Lease financing receivables | $136,000 | 113 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1995-12-31 (YTD Data) | Rank | |
| Total charge-offs | $1,636,000 | 819 |
| Loans secured by real estate, total | $31,000 | 2,903 |
| To non-U.S. addressees | $0 | 15 |
| Real estate loans in domestic offices | $31,000 | 2,901 |
| Construction and land development | $0 | 883 |
| Secured by farmland | $0 | 381 |
| Total charge-offs secured by 1-4 family residential properties | $31,000 | 1,998 |
| Secured by multifamily residential properties | $0 | 559 |
| Secured by nonfarm nonresidential properties | $0 | 2,210 |
| 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 | $17,000 | 5,177 |
| Loans to individuals | $1,498,000 | 445 |
| Credit card loan charge offs | $207,000 | 538 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $1,291,000 | 328 |
| Loans to foreign governments and official institutions | $0 | 15 |
| Other loans | $0 | 360 |
| Lease financing receivables | $90,000 | 124 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $382,000 | 931 |
| Loans secured by real estate, total | $2,000 | 4,243 |
| To non-U.S. addressees | $0 | 13 |
| Real estate loans in domestic offices | $2,000 | 4,242 |
| Construction and land development | $0 | 688 |
| Secured by farmland | $0 | 623 |
| Secured by 1-4 family residential properties - total recoveries | $2,000 | 3,043 |
| 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 | $38,000 | 2,364 |
| Loans to individuals | $337,000 | 497 |
| Credit card loan recoveries | $38,000 | 494 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $299,000 | 430 |
| Loans to foreign governments and official institutions | $0 | 30 |
| Other loans | $0 | 383 |
| Lease financing receivables | $5,000 | 233 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $1,254,000 | 758 |
| Loans secured by real estate, total | $29,000 | 2,403 |
| To non-U.S. addressees | $0 | 12 |
| Real estate loans in domestic offices | $29,000 | 2,401 |
| Construction and land development | $0 | 772 |
| Secured by farmland | $0 | 306 |
| Secured by 1-4 family residential properties- net charge-offs | $29,000 | 1,758 |
| Secured by multifamily residential properties | $0 | 498 |
| Secured by nonfarm nonresidential properties | $0 | 1,798 |
| 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 | $-21,000 | 10,789 |
| To non-U.S. addressees | $0 | 22 |
| Loans to individuals | $1,161,000 | 411 |
| Credit card loan net charge offs | $169,000 | 534 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $992,000 | 288 |
| Loans to foreign governments and official institutions | $0 | 11 |
| Other loans | $0 | 309 |
| Lease financing receivables | $85,000 | 99 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1994-12-31 (YTD Data) | Rank | |
| Total charge-offs | $1,106,000 | 1,071 |
| Loans secured by real estate, total | $54,000 | 2,632 |
| To non-U.S. addressees | $0 | 13 |
| Real estate loans in domestic offices | $54,000 | 2,632 |
| Construction and land development | $0 | 994 |
| Secured by farmland | $0 | 491 |
| Total charge-offs secured by 1-4 family residential properties | $23,000 | 2,523 |
| Secured by multifamily residential properties | $24,000 | 516 |
| Secured by nonfarm nonresidential properties | $7,000 | 2,263 |
| 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 | $68,000 | 3,085 |
| Loans to individuals | $969,000 | 509 |
| Credit card loan charge offs | $142,000 | 591 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $827,000 | 385 |
| Loans to foreign governments and official institutions | $0 | 15 |
| Other loans | $0 | 345 |
| Lease financing receivables | $15,000 | 216 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $452,000 | 920 |
| Loans secured by real estate, total | $111,000 | 911 |
| To non-U.S. addressees | $0 | 12 |
| Real estate loans in domestic offices | $111,000 | 911 |
| Construction and land development | $0 | 797 |
| Secured by farmland | $0 | 744 |
| Secured by 1-4 family residential properties - total recoveries | $96,000 | 440 |
| Secured by multifamily residential properties | $15,000 | 286 |
| 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 | $14,000 | 4,683 |
| Loans to individuals | $322,000 | 522 |
| Credit card loan recoveries | $17,000 | 737 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $305,000 | 436 |
| Loans to foreign governments and official institutions | $0 | 34 |
| Other loans | $0 | 356 |
| Lease financing receivables | $5,000 | 270 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $654,000 | 1,143 |
| Loans secured by real estate, total | $-57,000 | 12,163 |
| To non-U.S. addressees | $0 | 9 |
| Real estate loans in domestic offices | $-57,000 | 12,201 |
| Construction and land development | $0 | 849 |
| Secured by farmland | $0 | 385 |
| Secured by 1-4 family residential properties- net charge-offs | $-73,000 | 12,494 |
| Secured by multifamily residential properties | $9,000 | 536 |
| Secured by nonfarm nonresidential properties | $7,000 | 1,892 |
| 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 | $54,000 | 2,465 |
| To non-U.S. addressees | $0 | 26 |
| Loans to individuals | $647,000 | 479 |
| Credit card loan net charge offs | $125,000 | 562 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $522,000 | 353 |
| Loans to foreign governments and official institutions | $0 | 9 |
| Other loans | $0 | 276 |
| Lease financing receivables | $10,000 | 177 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1993-12-31 (YTD Data) | Rank | |
| Total charge-offs | $1,935,000 | 903 |
| Loans secured by real estate, total | $5,000 | 6,277 |
| To non-U.S. addressees | $0 | 19 |
| Real estate loans in domestic offices | $5,000 | 6,276 |
| Construction and land development | $0 | 1,259 |
| Secured by farmland | $0 | 674 |
| Total charge-offs secured by 1-4 family residential properties | $1,000 | 5,496 |
| Secured by multifamily residential properties | $0 | 764 |
| Secured by nonfarm nonresidential properties | $4,000 | 2,939 |
| 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 | $764,000 | 718 |
| Loans to individuals | $1,166,000 | 483 |
| Credit card loan charge offs | $162,000 | 614 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $1,004,000 | 367 |
| 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 | $349,000 | 1,212 |
| Loans secured by real estate, total | $15,000 | 2,954 |
| To non-U.S. addressees | $0 | 16 |
| Real estate loans in domestic offices | $15,000 | 2,954 |
| Construction and land development | $0 | 926 |
| Secured by farmland | $0 | 821 |
| Secured by 1-4 family residential properties - total recoveries | $0 | 4,624 |
| Secured by multifamily residential properties | $0 | 535 |
| Secured by nonfarm nonresidential properties | $15,000 | 1,365 |
| 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 | $19,000 | 4,488 |
| Loans to individuals | $311,000 | 556 |
| Credit card loan recoveries | $24,000 | 660 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $287,000 | 476 |
| Loans to foreign governments and official institutions | $0 | 38 |
| Other loans | $0 | 355 |
| Lease financing receivables | $4,000 | 284 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $1,586,000 | 841 |
| Loans secured by real estate, total | $-10,000 | 12,150 |
| To non-U.S. addressees | $0 | 18 |
| Real estate loans in domestic offices | $-10,000 | 12,189 |
| Construction and land development | $0 | 1,117 |
| Secured by farmland | $0 | 548 |
| Secured by 1-4 family residential properties- net charge-offs | $1,000 | 4,760 |
| Secured by multifamily residential properties | $0 | 715 |
| Secured by nonfarm nonresidential properties | $-11,000 | 12,656 |
| 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 | $745,000 | 558 |
| To non-U.S. addressees | $0 | 36 |
| Loans to individuals | $855,000 | 455 |
| Credit card loan net charge offs | $138,000 | 608 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $717,000 | 323 |
| Loans to foreign governments and official institutions | $0 | 28 |
| Other loans | $0 | 299 |
| Lease financing receivables | $-4,000 | 11,447 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| 1992-12-31 (YTD Data) | Rank | |
| Total charge-offs | $1,853,000 | 1,189 |
| Loans secured by real estate, total | $256,000 | 1,880 |
| To non-U.S. addressees | $0 | 17 |
| Real estate loans in domestic offices | $256,000 | 1,880 |
| Construction and land development | $0 | 1,669 |
| Secured by farmland | $0 | 904 |
| Total charge-offs secured by 1-4 family residential properties | $209,000 | 981 |
| Secured by multifamily residential properties | $34,000 | 664 |
| Secured by nonfarm nonresidential properties | $13,000 | 3,181 |
| 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 | $82,000 | 4,574 |
| Loans to individuals | $1,500,000 | 507 |
| Credit card loan charge offs | $161,000 | 695 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $1,339,000 | 375 |
| Loans to foreign governments and official institutions | $0 | 43 |
| Other loans | $0 | 387 |
| Lease financing receivables | $15,000 | 331 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Total recoveries | $367,000 | 1,164 |
| Loans secured by real estate, total | $11,000 | 3,360 |
| To non-U.S. addressees | $0 | 7 |
| Real estate loans in domestic offices | $11,000 | 3,360 |
| Construction and land development | $0 | 1,048 |
| Secured by farmland | $6,000 | 490 |
| Secured by 1-4 family residential properties - total recoveries | $3,000 | 3,371 |
| Secured by multifamily residential properties | $0 | 476 |
| Secured by nonfarm nonresidential properties | $2,000 | 2,082 |
| 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 | $26,000 | 4,047 |
| Loans to individuals | $324,000 | 576 |
| Credit card loan recoveries | $27,000 | 622 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $297,000 | 499 |
| Loans to foreign governments and official institutions | $0 | 47 |
| Other loans | $0 | 349 |
| Lease financing receivables | $6,000 | 284 |
| Memoranda: | ||
| Loans to finance agricultural production and other loans to farmers | NA | NA |
| Net charge-offs | $1,486,000 | 1,198 |
| Loans secured by real estate, total | $245,000 | 1,744 |
| To non-U.S. addressees | $0 | 17 |
| Real estate loans in domestic offices | $245,000 | 1,744 |
| Construction and land development | $0 | 1,547 |
| Secured by farmland | $-6,000 | 11,612 |
| Secured by 1-4 family residential properties- net charge-offs | $206,000 | 880 |
| Secured by multifamily residential properties | $34,000 | 634 |
| Secured by nonfarm nonresidential properties | $11,000 | 2,994 |
| 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 | $56,000 | 4,456 |
| To non-U.S. addressees | $0 | 50 |
| Loans to individuals | $1,176,000 | 477 |
| Credit card loan net charge offs | $134,000 | 691 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $1,042,000 | 342 |
| Loans to foreign governments and official institutions | $0 | 37 |
| Other loans | $0 | 326 |
| Lease financing receivables | $9,000 | 326 |
| 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.