Home > Valley American Bank and Trust Company > Loan Charge- Offs and Recoveries
Valley American Bank and Trust Company, Loan Charge- Offs and Recoveries
| 1997-12-31 (YTD Data) | Rank | |
| Total charge-offs | $2,297,000 | 562 |
| Loans secured by real estate, total | $53,000 | 1,977 |
| To non-U.S. addressees | $0 | 11 |
| Real estate loans in domestic offices | $46,000 | 2,138 |
| Construction and land development | $0 | 676 |
| Secured by farmland | $0 | 358 |
| Total charge-offs secured by 1-4 family residential properties | $32,000 | 1,802 |
| Secured by multifamily residential properties | $0 | 405 |
| Secured by nonfarm nonresidential properties | $14,000 | 1,301 |
| 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 | $27,000 | 120 |
| Commercial and industrial loans | $1,544,000 | 226 |
| Loans to individuals | $673,000 | 697 |
| Credit card loan charge offs | $183,000 | 499 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $490,000 | 663 |
| 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 | $290,000 | 997 |
| Loans secured by real estate, total | $0 | 4,351 |
| To non-U.S. addressees | $0 | 12 |
| Real estate loans in domestic offices | $0 | 4,349 |
| Construction and land development | $0 | 513 |
| Secured by farmland | $0 | 504 |
| Secured by 1-4 family residential properties - total recoveries | $0 | 3,348 |
| 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 | $69,000 | 1,345 |
| Loans to individuals | $221,000 | 545 |
| Credit card loan recoveries | $36,000 | 431 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $185,000 | 499 |
| 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 | $2,007,000 | 502 |
| Loans secured by real estate, total | $53,000 | 1,590 |
| To non-U.S. addressees | $0 | 10 |
| Real estate loans in domestic offices | $46,000 | 1,714 |
| Construction and land development | $0 | 590 |
| Secured by farmland | $0 | 284 |
| Secured by 1-4 family residential properties- net charge-offs | $32,000 | 1,494 |
| Secured by multifamily residential properties | $0 | 354 |
| Secured by nonfarm nonresidential properties | $14,000 | 1,039 |
| 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 | $27,000 | 85 |
| Commercial and industrial loans | $1,475,000 | 175 |
| To non-U.S. addressees | $0 | 21 |
| Loans to individuals | $452,000 | 741 |
| Credit card loan net charge offs | $147,000 | 503 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $305,000 | 764 |
| 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 | $2,268,000 | 660 |
| Loans secured by real estate, total | $79,000 | 1,758 |
| To non-U.S. addressees | $0 | 10 |
| Real estate loans in domestic offices | $79,000 | 1,758 |
| Construction and land development | $0 | 737 |
| Secured by farmland | $0 | 391 |
| Total charge-offs secured by 1-4 family residential properties | $52,000 | 1,452 |
| Secured by multifamily residential properties | $0 | 460 |
| Secured by nonfarm nonresidential properties | $27,000 | 1,214 |
| 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 | $1,618,000 | 246 |
| Loans to individuals | $571,000 | 814 |
| Credit card loan charge offs | $134,000 | 627 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $437,000 | 758 |
| 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 | $394,000 | 901 |
| Loans secured by real estate, total | $3,000 | 3,651 |
| To non-U.S. addressees | $0 | 8 |
| Real estate loans in domestic offices | $3,000 | 3,651 |
| Construction and land development | $0 | 613 |
| Secured by farmland | $0 | 587 |
| Secured by 1-4 family residential properties - total recoveries | $2,000 | 2,834 |
| Secured by multifamily residential properties | $0 | 399 |
| Secured by nonfarm nonresidential properties | $1,000 | 1,780 |
| 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 | $226,000 | 567 |
| Loans to individuals | $165,000 | 753 |
| Credit card loan recoveries | $19,000 | 635 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $146,000 | 677 |
| 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 | $1,874,000 | 597 |
| Loans secured by real estate, total | $76,000 | 1,415 |
| To non-U.S. addressees | $0 | 7 |
| Real estate loans in domestic offices | $76,000 | 1,414 |
| Construction and land development | $0 | 634 |
| Secured by farmland | $0 | 311 |
| Secured by 1-4 family residential properties- net charge-offs | $50,000 | 1,244 |
| Secured by multifamily residential properties | $0 | 413 |
| Secured by nonfarm nonresidential properties | $26,000 | 968 |
| 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 | $1,392,000 | 200 |
| To non-U.S. addressees | $0 | 22 |
| Loans to individuals | $406,000 | 837 |
| Credit card loan net charge offs | $115,000 | 613 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $291,000 | 799 |
| 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 | $1,649,000 | 815 |
| Loans secured by real estate, total | $99,000 | 1,750 |
| To non-U.S. addressees | $0 | 15 |
| Real estate loans in domestic offices | $99,000 | 1,748 |
| Construction and land development | $0 | 883 |
| Secured by farmland | $0 | 381 |
| Total charge-offs secured by 1-4 family residential properties | $61,000 | 1,422 |
| Secured by multifamily residential properties | $0 | 559 |
| Secured by nonfarm nonresidential properties | $38,000 | 1,291 |
| 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 | $1,194,000 | 312 |
| Loans to individuals | $356,000 | 1,016 |
| Credit card loan charge offs | $96,000 | 724 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $260,000 | 1,009 |
| 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 | $273,000 | 1,178 |
| Loans secured by real estate, total | $12,000 | 2,656 |
| To non-U.S. addressees | $0 | 13 |
| Real estate loans in domestic offices | $12,000 | 2,655 |
| Construction and land development | $0 | 688 |
| Secured by farmland | $0 | 623 |
| Secured by 1-4 family residential properties - total recoveries | $12,000 | 1,640 |
| 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 | $164,000 | 761 |
| Loans to individuals | $97,000 | 1,076 |
| Credit card loan recoveries | $2,000 | 1,762 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $95,000 | 947 |
| 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 | $1,376,000 | 727 |
| Loans secured by real estate, total | $87,000 | 1,513 |
| To non-U.S. addressees | $0 | 12 |
| Real estate loans in domestic offices | $87,000 | 1,512 |
| Construction and land development | $0 | 772 |
| Secured by farmland | $0 | 306 |
| Secured by 1-4 family residential properties- net charge-offs | $49,000 | 1,361 |
| Secured by multifamily residential properties | $0 | 498 |
| Secured by nonfarm nonresidential properties | $38,000 | 1,042 |
| 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 | $1,030,000 | 218 |
| To non-U.S. addressees | $0 | 22 |
| Loans to individuals | $259,000 | 988 |
| Credit card loan net charge offs | $94,000 | 664 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $165,000 | 1,055 |
| 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 | $912,000 | 1,214 |
| Loans secured by real estate, total | $463,000 | 837 |
| To non-U.S. addressees | $0 | 13 |
| Real estate loans in domestic offices | $463,000 | 837 |
| Construction and land development | $0 | 994 |
| Secured by farmland | $0 | 491 |
| Total charge-offs secured by 1-4 family residential properties | $162,000 | 867 |
| Secured by multifamily residential properties | $0 | 659 |
| Secured by nonfarm nonresidential properties | $301,000 | 566 |
| 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 | $170,000 | 1,662 |
| Loans to individuals | $279,000 | 1,056 |
| Credit card loan charge offs | $25,000 | 1,304 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $254,000 | 892 |
| 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 | $269,000 | 1,339 |
| Loans secured by real estate, total | $3,000 | 4,399 |
| To non-U.S. addressees | $0 | 12 |
| Real estate loans in domestic offices | $3,000 | 4,400 |
| Construction and land development | $0 | 797 |
| Secured by farmland | $0 | 744 |
| Secured by 1-4 family residential properties - total recoveries | $3,000 | 3,040 |
| 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 | $127,000 | 1,123 |
| Loans to individuals | $139,000 | 865 |
| Credit card loan recoveries | $3,000 | 1,578 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $136,000 | 756 |
| 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 | $643,000 | 1,156 |
| Loans secured by real estate, total | $460,000 | 700 |
| To non-U.S. addressees | $0 | 9 |
| Real estate loans in domestic offices | $460,000 | 700 |
| Construction and land development | $0 | 849 |
| Secured by farmland | $0 | 385 |
| Secured by 1-4 family residential properties- net charge-offs | $159,000 | 737 |
| Secured by multifamily residential properties | $0 | 608 |
| Secured by nonfarm nonresidential properties | $301,000 | 466 |
| 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 | $43,000 | 2,738 |
| To non-U.S. addressees | $0 | 26 |
| Loans to individuals | $140,000 | 1,268 |
| Credit card loan net charge offs | $22,000 | 1,235 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $118,000 | 1,113 |
| 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 | $1,988,000 | 884 |
| Loans secured by real estate, total | $94,000 | 2,500 |
| To non-U.S. addressees | $0 | 19 |
| Real estate loans in domestic offices | $94,000 | 2,500 |
| Construction and land development | $0 | 1,259 |
| Secured by farmland | $0 | 674 |
| Total charge-offs secured by 1-4 family residential properties | $75,000 | 1,655 |
| Secured by multifamily residential properties | $0 | 764 |
| Secured by nonfarm nonresidential properties | $19,000 | 2,345 |
| 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 | $1,677,000 | 383 |
| Loans to individuals | $217,000 | 1,425 |
| Credit card loan charge offs | $37,000 | 1,188 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $180,000 | 1,356 |
| 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 | $215,000 | 1,743 |
| Loans secured by real estate, total | $6,000 | 4,055 |
| To non-U.S. addressees | $0 | 16 |
| Real estate loans in domestic offices | $6,000 | 4,055 |
| Construction and land development | $0 | 926 |
| Secured by farmland | $0 | 821 |
| Secured by 1-4 family residential properties - total recoveries | $6,000 | 2,645 |
| Secured by multifamily residential properties | $0 | 535 |
| Secured by nonfarm nonresidential properties | $0 | 2,606 |
| 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 | $59,000 | 2,334 |
| Loans to individuals | $150,000 | 885 |
| Credit card loan recoveries | $11,000 | 952 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $139,000 | 800 |
| 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 | $1,773,000 | 777 |
| Loans secured by real estate, total | $88,000 | 2,184 |
| To non-U.S. addressees | $0 | 18 |
| Real estate loans in domestic offices | $88,000 | 2,182 |
| Construction and land development | $0 | 1,117 |
| Secured by farmland | $0 | 548 |
| Secured by 1-4 family residential properties- net charge-offs | $69,000 | 1,495 |
| Secured by multifamily residential properties | $0 | 715 |
| Secured by nonfarm nonresidential properties | $19,000 | 2,059 |
| 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 | $1,618,000 | 303 |
| To non-U.S. addressees | $0 | 36 |
| Loans to individuals | $67,000 | 2,359 |
| Credit card loan net charge offs | $26,000 | 1,225 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $41,000 | 2,759 |
| 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 | $1,733,000 | 1,250 |
| Loans secured by real estate, total | $351,000 | 1,587 |
| To non-U.S. addressees | $0 | 17 |
| Real estate loans in domestic offices | $351,000 | 1,587 |
| Construction and land development | $13,000 | 1,357 |
| Secured by farmland | $0 | 904 |
| Total charge-offs secured by 1-4 family residential properties | $44,000 | 2,645 |
| Secured by multifamily residential properties | $0 | 893 |
| Secured by nonfarm nonresidential properties | $294,000 | 1,002 |
| 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 | $824,000 | 920 |
| Loans to individuals | $558,000 | 918 |
| Credit card loan charge offs | $155,000 | 707 |
| Auto Loans Charge-Offs | NA | NA |
| Other Consumer Loan Charge-Offs | $403,000 | 889 |
| 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 | $337,000 | 1,255 |
| Loans secured by real estate, total | $34,000 | 2,011 |
| To non-U.S. addressees | $0 | 7 |
| Real estate loans in domestic offices | $34,000 | 2,010 |
| Construction and land development | $11,000 | 619 |
| Secured by farmland | $0 | 870 |
| Secured by 1-4 family residential properties - total recoveries | $7,000 | 2,515 |
| Secured by multifamily residential properties | $0 | 476 |
| Secured by nonfarm nonresidential properties | $16,000 | 1,257 |
| 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 | $124,000 | 1,318 |
| Loans to individuals | $179,000 | 853 |
| Credit card loan recoveries | $17,000 | 785 |
| Auto Loans - Recoveries | NA | NA |
| Other Consumer Loan Recoveries | $162,000 | 775 |
| 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 | $1,396,000 | 1,261 |
| Loans secured by real estate, total | $317,000 | 1,517 |
| To non-U.S. addressees | $0 | 17 |
| Real estate loans in domestic offices | $317,000 | 1,517 |
| Construction and land development | $2,000 | 1,491 |
| Secured by farmland | $0 | 773 |
| Secured by 1-4 family residential properties- net charge-offs | $37,000 | 2,520 |
| Secured by multifamily residential properties | $0 | 849 |
| Secured by nonfarm nonresidential properties | $278,000 | 963 |
| 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 | $700,000 | 896 |
| To non-U.S. addressees | $0 | 50 |
| Loans to individuals | $379,000 | 944 |
| Credit card loan net charge offs | $138,000 | 683 |
| Auto Loans - Net Charge-Offs | NA | NA |
| Other Consumer Loans Net Charge-Offs | $241,000 | 972 |
| 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.