Home > Vermont National Bank > Net charge- offs to loans
Vermont National Bank, Net charge- offs to loans
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3840% | 1,830 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0352% | 551 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 415 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0530% | 491 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0518% | 284 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0532% | 458 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2624% | 155 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8812% | 199 |
| Percentage Net Loans Charged-off: Credit card loans | 2.6900% | 402 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5397% | 142 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4100% | 1,823 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1590% | 179 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0962% | 1,317 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2656% | 97 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3840% | 96 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2455% | 102 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7247% | 248 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4521% | 312 |
| Percentage Net Loans Charged-off: Credit card loans | 2.8732% | 438 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.9498% | 31 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5974% | 1,217 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2003% | 164 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2968% | 136 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1748% | 192 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1283% | 233 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1824% | 161 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2578% | 127 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6821% | 288 |
| Percentage Net Loans Charged-off: Credit card loans | 3.6214% | 359 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.6415% | 22 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5681% | 1,527 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2249% | 238 |
| Percentage Net Loans Charged-off:Construction & development | -0.0643% | 1,341 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1551% | 309 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2969% | 133 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4761% | 79 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2729% | 141 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3673% | 137 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2359% | 418 |
| Percentage Net Loans Charged-off: Credit card loans | 2.5433% | 509 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1397% | 296 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7309% | 1,038 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5302% | 136 |
| Percentage Net Loans Charged-off:Construction & development | 3.6331% | 47 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6432% | 204 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1892% | 229 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4250% | 91 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1501% | 275 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1105% | 161 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0914% | 343 |
| Percentage Net Loans Charged-off: Credit card loans | 2.1681% | 480 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5401% | 128 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7814% | 1,056 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5578% | 180 |
| Percentage Net Loans Charged-off:Construction & development | 3.9477% | 59 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4883% | 287 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2974% | 186 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1423% | 193 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3277% | 177 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3114% | 160 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8444% | 366 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2257% | 654 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.7773% | 87 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2111% | 977 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8836% | 209 |
| Percentage Net Loans Charged-off:Construction & development | 7.1953% | 75 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7186% | 325 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3141% | 231 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3835% | 198 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1384% | 205 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2155% | 334 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0212% | 769 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0726% | 344 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0560% | 1,948 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6653% | 365 |
| Percentage Net Loans Charged-off:Construction & development | 2.7832% | 242 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8471% | 443 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 418 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1880% | 426 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2450% | 201 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1745% | 435 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6994% | 398 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7784% | 291 |
| Percentage Net Loans Charged-off: Credit card loans | 2.9835% | 427 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0090% | 465 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |