Home > Vermont National Bank > Loan Charge- Offs and Recoveries

Vermont National Bank, Loan Charge- Offs and Recoveries

1999-12-31 (YTD Data)Rank
Total charge-offs$6,085,000288
Loans secured by real estate, total$490,000384
To non-U.S. addressees$08
Real estate loans in domestic offices$490,000382
Construction and land development$0611
Secured by farmland$0351
Total charge-offs secured by 1-4 family residential properties$490,000259
Secured by multifamily residential properties$0249
Secured by nonfarm nonresidential properties$01,427
Real estate loans in foreign officesNANA
Loans to depository institutions$027
To foreign banks$023
Loans to finance agricultural production and other loans to farmers$0203
Commercial and industrial loans$2,684,000180
Loans to individuals$2,512,000292
Credit card loan charge offs$1,039,000204
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$1,473,000268
Loans to foreign governments and official institutions$010
Other loans$399,00070
Lease financing receivables$0289
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Total recoveries$1,554,000295
Loans secured by real estate, total$178,000381
To non-U.S. addressees$09
Real estate loans in domestic offices$178,000381
Construction and land development$0429
Secured by farmland$0418
Secured by 1-4 family residential properties - total recoveries$178,000197
Secured by multifamily residential properties$0246
Secured by nonfarm nonresidential properties$01,309
Real estate loans in foreign officesNANA
Loans to depository institutions$024
To foreign banks$018
Loans to finance agricultural production and other loans to farmers$0208
Commercial and industrial loans$799,000163
Loans to individuals$338,000396
Credit card loan recoveries$150,000215
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$188,000467
Loans to foreign governments and official institutions$011
Other loans$239,00051
Lease financing receivables$0264
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Net charge-offs$4,531,000285
Loans secured by real estate, total$312,000419
To non-U.S. addressees$07
Real estate loans in domestic offices$312,000418
Construction and land development$0547
Secured by farmland$0293
Secured by 1-4 family residential properties- net charge-offs$312,000288
Secured by multifamily residential properties$0211
Secured by nonfarm nonresidential properties$01,166
Real estate loans in foreign officesNANA
Loans to depository institutions$025
To foreign banks$022
Loans to finance agricultural production and other loans to farmers$0165
Commercial and industrial loans$1,885,000188
To non-U.S. addressees$035
Loans to individuals$2,174,000265
Credit card loan net charge offs$889,000193
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$1,285,000229
Loans to foreign governments and official institutions$09
Other loans$160,00086
Lease financing receivables$0263
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
1998-12-31 (YTD Data)Rank
Total charge-offs$7,415,000271
Loans secured by real estate, total$1,941,000158
To non-U.S. addressees$013
Real estate loans in domestic offices$1,941,000158
Construction and land development$0630
Secured by farmland$0328
Total charge-offs secured by 1-4 family residential properties$1,941,000103
Secured by multifamily residential properties$0335
Secured by nonfarm nonresidential properties$01,530
Real estate loans in foreign officesNANA
Loans to depository institutions$021
To foreign banks$017
Loans to finance agricultural production and other loans to farmers$0187
Commercial and industrial loans$1,893,000200
Loans to individuals$2,172,000345
Credit card loan charge offs$1,244,000210
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$928,000382
Loans to foreign governments and official institutions$011
Other loans$1,409,00035
Lease financing receivables$0296
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Total recoveries$2,772,000221
Loans secured by real estate, total$576,000185
To non-U.S. addressees$010
Real estate loans in domestic offices$576,000185
Construction and land development$0460
Secured by farmland$0446
Secured by 1-4 family residential properties - total recoveries$372,000122
Secured by multifamily residential properties$0272
Secured by nonfarm nonresidential properties$204,000205
Real estate loans in foreign officesNANA
Loans to depository institutions$019
To foreign banks$013
Loans to finance agricultural production and other loans to farmers$0201
Commercial and industrial loans$817,000172
Loans to individuals$716,000291
Credit card loan recoveries$283,000183
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$433,000270
Loans to foreign governments and official institutions$014
Other loans$663,00026
Lease financing receivables$0264
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Net charge-offs$4,643,000292
Loans secured by real estate, total$1,365,000158
To non-U.S. addressees$012
Real estate loans in domestic offices$1,365,000156
Construction and land development$0552
Secured by farmland$0259
Secured by 1-4 family residential properties- net charge-offs$1,569,000104
Secured by multifamily residential properties$0283
Secured by nonfarm nonresidential properties$-204,00010,350
Real estate loans in foreign officesNANA
Loans to depository institutions$021
To foreign banks$017
Loans to finance agricultural production and other loans to farmers$0152
Commercial and industrial loans$1,076,000254
To non-U.S. addressees$036
Loans to individuals$1,456,000354
Credit card loan net charge offs$961,000218
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$495,000470
Loans to foreign governments and official institutions$010
Other loans$746,00048
Lease financing receivables$0278
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
1997-12-31 (YTD Data)Rank
Total charge-offs$6,235,000304
Loans secured by real estate, total$1,302,000244
To non-U.S. addressees$011
Real estate loans in domestic offices$1,302,000244
Construction and land development$0676
Secured by farmland$0358
Total charge-offs secured by 1-4 family residential properties$742,000215
Secured by multifamily residential properties$0405
Secured by nonfarm nonresidential properties$560,000196
Real estate loans in foreign officesNANA
Loans to depository institutions$018
To foreign banks$010
Loans to finance agricultural production and other loans to farmers$0200
Commercial and industrial loans$2,171,000165
Loans to individuals$1,909,000394
Credit card loan charge offs$1,350,000228
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$559,000603
Loans to foreign governments and official institutions$07
Other loans$853,00039
Lease financing receivables$0317
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Total recoveries$1,071,000401
Loans secured by real estate, total$76,000843
To non-U.S. addressees$012
Real estate loans in domestic offices$76,000843
Construction and land development$0513
Secured by farmland$0504
Secured by 1-4 family residential properties - total recoveries$53,000575
Secured by multifamily residential properties$0333
Secured by nonfarm nonresidential properties$23,000772
Real estate loans in foreign officesNANA
Loans to depository institutions$028
To foreign banks$018
Loans to finance agricultural production and other loans to farmers$0218
Commercial and industrial loans$492,000248
Loans to individuals$360,000410
Credit card loan recoveries$169,000229
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$191,000484
Loans to foreign governments and official institutions$027
Other loans$143,00073
Lease financing receivables$0286
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Net charge-offs$5,164,000277
Loans secured by real estate, total$1,226,000176
To non-U.S. addressees$010
Real estate loans in domestic offices$1,226,000175
Construction and land development$0590
Secured by farmland$0284
Secured by 1-4 family residential properties- net charge-offs$689,000183
Secured by multifamily residential properties$0354
Secured by nonfarm nonresidential properties$537,000123
Real estate loans in foreign officesNANA
Loans to depository institutions$016
To foreign banks$08
Loans to finance agricultural production and other loans to farmers$0139
Commercial and industrial loans$1,679,000149
To non-U.S. addressees$021
Loans to individuals$1,549,000384
Credit card loan net charge offs$1,181,000228
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$368,000670
Loans to foreign governments and official institutions$07
Other loans$710,00035
Lease financing receivables$0291
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
1996-12-31 (YTD Data)Rank
Total charge-offs$5,470,000394
Loans secured by real estate, total$1,076,000363
To non-U.S. addressees$010
Real estate loans in domestic offices$1,076,000363
Construction and land development$0737
Secured by farmland$0391
Total charge-offs secured by 1-4 family residential properties$796,000234
Secured by multifamily residential properties$0460
Secured by nonfarm nonresidential properties$280,000431
Real estate loans in foreign officesNANA
Loans to depository institutions$023
To foreign banks$012
Loans to finance agricultural production and other loans to farmers$0223
Commercial and industrial loans$2,780,000152
Loans to individuals$1,499,000486
Credit card loan charge offs$1,002,000291
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$497,000692
Loans to foreign governments and official institutions$011
Other loans$115,000143
Lease financing receivables$0355
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Total recoveries$1,530,000372
Loans secured by real estate, total$82,000946
To non-U.S. addressees$08
Real estate loans in domestic offices$82,000946
Construction and land development$13,000335
Secured by farmland$0587
Secured by 1-4 family residential properties - total recoveries$36,000813
Secured by multifamily residential properties$0399
Secured by nonfarm nonresidential properties$33,000795
Real estate loans in foreign officesNANA
Loans to depository institutions$032
To foreign banks$018
Loans to finance agricultural production and other loans to farmers$0231
Commercial and industrial loans$972,000182
Loans to individuals$404,000455
Credit card loan recoveries$149,000275
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$255,000472
Loans to foreign governments and official institutions$032
Other loans$72,000133
Lease financing receivables$0294
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Net charge-offs$3,940,000391
Loans secured by real estate, total$994,000289
To non-U.S. addressees$07
Real estate loans in domestic offices$994,000288
Construction and land development$-13,00011,246
Secured by farmland$0311
Secured by 1-4 family residential properties- net charge-offs$760,000200
Secured by multifamily residential properties$0413
Secured by nonfarm nonresidential properties$247,000359
Real estate loans in foreign officesNANA
Loans to depository institutions$020
To foreign banks$010
Loans to finance agricultural production and other loans to farmers$0178
Commercial and industrial loans$1,808,000158
To non-U.S. addressees$022
Loans to individuals$1,095,000483
Credit card loan net charge offs$853,000287
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$242,000916
Loans to foreign governments and official institutions$05
Other loans$43,000161
Lease financing receivables$0316
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
1995-12-31 (YTD Data)Rank
Total charge-offs$6,349,000356
Loans secured by real estate, total$2,552,000241
To non-U.S. addressees$015
Real estate loans in domestic offices$2,552,000240
Construction and land development$969,00078
Secured by farmland$0381
Total charge-offs secured by 1-4 family residential properties$481,000360
Secured by multifamily residential properties$0559
Secured by nonfarm nonresidential properties$1,102,000231
Real estate loans in foreign officesNANA
Loans to depository institutions$023
To foreign banks$020
Loans to finance agricultural production and other loans to farmers$0186
Commercial and industrial loans$2,135,000196
Loans to individuals$1,448,000452
Credit card loan charge offs$857,000303
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$591,000557
Loans to foreign governments and official institutions$015
Other loans$214,000110
Lease financing receivables$0341
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Total recoveries$1,208,000438
Loans secured by real estate, total$290,000421
To non-U.S. addressees$013
Real estate loans in domestic offices$290,000420
Construction and land development$214,00098
Secured by farmland$0623
Secured by 1-4 family residential properties - total recoveries$40,000783
Secured by multifamily residential properties$0496
Secured by nonfarm nonresidential properties$36,000824
Real estate loans in foreign officesNANA
Loans to depository institutions$032
To foreign banks$020
Loans to finance agricultural production and other loans to farmers$0227
Commercial and industrial loans$473,000345
Loans to individuals$397,000463
Credit card loan recoveries$109,000343
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$288,000443
Loans to foreign governments and official institutions$030
Other loans$48,000151
Lease financing receivables$0322
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Net charge-offs$5,141,000307
Loans secured by real estate, total$2,262,000209
To non-U.S. addressees$012
Real estate loans in domestic offices$2,262,000208
Construction and land development$755,00074
Secured by farmland$0306
Secured by 1-4 family residential properties- net charge-offs$441,000321
Secured by multifamily residential properties$0498
Secured by nonfarm nonresidential properties$1,066,000188
Real estate loans in foreign officesNANA
Loans to depository institutions$019
To foreign banks$018
Loans to finance agricultural production and other loans to farmers$0130
Commercial and industrial loans$1,662,000148
To non-U.S. addressees$022
Loans to individuals$1,051,000431
Credit card loan net charge offs$748,000295
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$303,000655
Loans to foreign governments and official institutions$011
Other loans$166,00083
Lease financing receivables$0281
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
1994-12-31 (YTD Data)Rank
Total charge-offs$6,656,000334
Loans secured by real estate, total$2,475,000295
To non-U.S. addressees$013
Real estate loans in domestic offices$2,475,000295
Construction and land development$849,000113
Secured by farmland$0491
Total charge-offs secured by 1-4 family residential properties$640,000325
Secured by multifamily residential properties$0659
Secured by nonfarm nonresidential properties$986,000293
Real estate loans in foreign officesNANA
Loans to depository institutions$018
To foreign banks$013
Loans to finance agricultural production and other loans to farmers$0188
Commercial and industrial loans$2,657,000188
Loans to individuals$1,201,000443
Credit card loan charge offs$582,000336
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$619,000489
Loans to foreign governments and official institutions$015
Other loans$323,00080
Lease financing receivables$0332
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Total recoveries$1,181,000498
Loans secured by real estate, total$191,000633
To non-U.S. addressees$012
Real estate loans in domestic offices$191,000632
Construction and land development$13,000478
Secured by farmland$0744
Secured by 1-4 family residential properties - total recoveries$04,282
Secured by multifamily residential properties$0504
Secured by nonfarm nonresidential properties$178,000380
Real estate loans in foreign officesNANA
Loans to depository institutions$033
To foreign banks$021
Loans to finance agricultural production and other loans to farmers$0235
Commercial and industrial loans$534,000362
Loans to individuals$407,000461
Credit card loan recoveries$144,000301
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$263,000472
Loans to foreign governments and official institutions$034
Other loans$49,000144
Lease financing receivables$0351
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Net charge-offs$5,475,000280
Loans secured by real estate, total$2,284,000247
To non-U.S. addressees$09
Real estate loans in domestic offices$2,284,000247
Construction and land development$836,000102
Secured by farmland$0385
Secured by 1-4 family residential properties- net charge-offs$640,000265
Secured by multifamily residential properties$0608
Secured by nonfarm nonresidential properties$808,000275
Real estate loans in foreign officesNANA
Loans to depository institutions$014
To foreign banks$011
Loans to finance agricultural production and other loans to farmers$0130
Commercial and industrial loans$2,123,000140
To non-U.S. addressees$026
Loans to individuals$794,000428
Credit card loan net charge offs$438,000342
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$356,000472
Loans to foreign governments and official institutions$09
Other loans$274,00062
Lease financing receivables$0251
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
1993-12-31 (YTD Data)Rank
Total charge-offs$9,434,000338
Loans secured by real estate, total$3,621,000302
To non-U.S. addressees$019
Real estate loans in domestic offices$3,621,000302
Construction and land development$1,771,000138
Secured by farmland$0674
Total charge-offs secured by 1-4 family residential properties$708,000359
Secured by multifamily residential properties$0764
Secured by nonfarm nonresidential properties$1,142,000355
Real estate loans in foreign officesNANA
Loans to depository institutions$028
To foreign banks$017
Loans to finance agricultural production and other loans to farmers$0175
Commercial and industrial loans$4,386,000185
Loans to individuals$1,408,000429
Credit card loan charge offs$471,000388
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$937,000386
Loans to foreign governments and official institutions$034
Other loans$19,000291
Lease financing receivables$0379
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Total recoveries$1,200,000497
Loans secured by real estate, total$104,000982
To non-U.S. addressees$016
Real estate loans in domestic offices$104,000981
Construction and land development$39,000352
Secured by farmland$0821
Secured by 1-4 family residential properties - total recoveries$52,000733
Secured by multifamily residential properties$0535
Secured by nonfarm nonresidential properties$13,0001,430
Real estate loans in foreign officesNANA
Loans to depository institutions$043
To foreign banks$026
Loans to finance agricultural production and other loans to farmers$0220
Commercial and industrial loans$774,000297
Loans to individuals$320,000547
Credit card loan recoveries$140,000310
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$180,000651
Loans to foreign governments and official institutions$038
Other loans$2,000322
Lease financing receivables$0365
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Net charge-offs$8,234,000291
Loans secured by real estate, total$3,517,000272
To non-U.S. addressees$018
Real estate loans in domestic offices$3,517,000272
Construction and land development$1,732,000126
Secured by farmland$0548
Secured by 1-4 family residential properties- net charge-offs$656,000326
Secured by multifamily residential properties$0715
Secured by nonfarm nonresidential properties$1,129,000314
Real estate loans in foreign officesNANA
Loans to depository institutions$016
To foreign banks$011
Loans to finance agricultural production and other loans to farmers$0121
Commercial and industrial loans$3,612,000157
To non-U.S. addressees$036
Loans to individuals$1,088,000405
Credit card loan net charge offs$331,000403
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$757,000311
Loans to foreign governments and official institutions$028
Other loans$17,000234
Lease financing receivables$0315
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
1992-12-31 (YTD Data)Rank
Total charge-offs$8,032,000431
Loans secured by real estate, total$3,057,000407
To non-U.S. addressees$017
Real estate loans in domestic offices$3,057,000406
Construction and land development$1,268,000229
Secured by farmland$0904
Total charge-offs secured by 1-4 family residential properties$467,000554
Secured by multifamily residential properties$0893
Secured by nonfarm nonresidential properties$1,322,000378
Real estate loans in foreign officesNANA
Loans to depository institutions$043
To foreign banks$020
Loans to finance agricultural production and other loans to farmers$0201
Commercial and industrial loans$3,127,000329
Loans to individuals$1,844,000454
Credit card loan charge offs$830,000341
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$1,014,000464
Loans to foreign governments and official institutions$043
Other loans$4,000355
Lease financing receivables$0464
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Total recoveries$1,015,000543
Loans secured by real estate, total$386,000373
To non-U.S. addressees$07
Real estate loans in domestic offices$386,000373
Construction and land development$284,000110
Secured by farmland$0870
Secured by 1-4 family residential properties - total recoveries$83,000473
Secured by multifamily residential properties$0476
Secured by nonfarm nonresidential properties$19,0001,180
Real estate loans in foreign officesNANA
Loans to depository institutions$052
To foreign banks$028
Loans to finance agricultural production and other loans to farmers$0217
Commercial and industrial loans$244,000724
Loans to individuals$382,000529
Credit card loan recoveries$112,000353
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$270,000534
Loans to foreign governments and official institutions$047
Other loans$3,000296
Lease financing receivables$0397
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA
Net charge-offs$7,017,000420
Loans secured by real estate, total$2,671,000412
To non-U.S. addressees$017
Real estate loans in domestic offices$2,671,000411
Construction and land development$984,000252
Secured by farmland$0773
Secured by 1-4 family residential properties- net charge-offs$384,000574
Secured by multifamily residential properties$0849
Secured by nonfarm nonresidential properties$1,303,000358
Real estate loans in foreign officesNANA
Loans to depository institutions$036
To foreign banks$015
Loans to finance agricultural production and other loans to farmers$0152
Commercial and industrial loans$2,883,000302
To non-U.S. addressees$050
Loans to individuals$1,462,000428
Credit card loan net charge offs$718,000337
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$744,000439
Loans to foreign governments and official institutions$037
Other loans$1,000318
Lease financing receivables$0406
Memoranda:
Loans to finance agricultural production and other loans to farmersNANA

* 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.