Difference between revisions of "Spectrum Loan Reports"

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h1=Context contains a List Design and Report Design with the Accrued Interest Calculations.|
 
h1=Context contains a List Design and Report Design with the Accrued Interest Calculations.|
 
h2=One part of the calculation is to calculate the number of days between the last-int-date and a given date.  Currently the given date is the end of the prior month.  Modify the global variable #as-of-date for different results.|
 
h2=One part of the calculation is to calculate the number of days between the last-int-date and a given date.  Currently the given date is the end of the prior month.  Modify the global variable #as-of-date for different results.|
−
link=Accrued%20Interest%20Calculations.ctx|
+
link=Accrued Interest Calculations.ctx|
 
created=2021/08/20|
 
created=2021/08/20|
 
results={{Results_Accrued Interest Results|}}
 
results={{Results_Accrued Interest Results|}}
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{{SampleContext|
 
{{SampleContext|
−
name=LOANS-BY-OFFICER-OR-BRANCH-MAT-DATE|
+
name=Loans Maturing by Branch and Date|
−
h1=Two Loan Portfolio Reports<br/>(by Officer / by Branch and Maturity Date).|
+
h1=This is a summary report with counts and totals of loans maturing by branch and date.|
−
h2=The first report, (Loans by Officer - Detail) is a report that pulls all loans that have a balance > 0.  It sorts the loans by officer and prints the account, suffix, and balance.  It then gives a count of loans for that loan officer and the total dollar amount.  The second report, (Loans by Branch by Maturity date - Summary) pulls all loans that have a maturity date >= today, balance > 0 and are not charged off. It provides the loan department a comprehensive view of the loan portfolio|
+
link=Loans Maturing by Branch and Date.ctx|
−
link=LOANS-BY-OFFICER-OR-BRANCH-MAT-DATE.ctx|
 
 
created=2016/09/01|
 
created=2016/09/01|
 
results={{Results_LOANS-BY-OFFICER-OR-BRANCH-MAT-DATE|}}
 
results={{Results_LOANS-BY-OFFICER-OR-BRANCH-MAT-DATE|}}
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{{SampleContext|
 
{{SampleContext|
 
name=VEHICLE-LOANS-PAID-OFF-6-8-MONTHS|
 
name=VEHICLE-LOANS-PAID-OFF-6-8-MONTHS|
−
h1=Created in List.\nSelects open Vehicle loans that will be paid off in the next six to eight months.|
+
h1=Created in List. Selects open Vehicle loans that will be paid off in the next six to eight months.|
 
h2=|
 
h2=|
 
link=VEHICLE-LOANS-PAID-OFF-6-8-MONTHS.ctx|
 
link=VEHICLE-LOANS-PAID-OFF-6-8-MONTHS.ctx|
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{{SampleContext|
 
{{SampleContext|
 
name=PLEDGE REPORT|
 
name=PLEDGE REPORT|
−
h1=CD/Share Secured Loan Report|
+
h1=Share Secured Loan Report|
−
h2=This REPORT lists all \nLoans, by Account, that \nhave been secured with \nShares.  It totals the \nLoan amount and the \nShare amount, and gives \na message: "Loans are \nfully pledged." \nor "WARNING: \nInsufficient shares."\|
+
h2=This REPORT lists all Loans, by Account, that have been secured with Shares.  It totals the Loan amount and the Share amount, and gives a message: "Loans are fully pledged." or "WARNING: "Insufficient shares."|
 
link=PLEDGE-REPORT.ctx|
 
link=PLEDGE-REPORT.ctx|
 
created=2016/09/01|
 
created=2016/09/01|
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name=Weighted Average by Collateral|
 
name=Weighted Average by Collateral|
 
h1=The weighted average of loans by collateral code.|
 
h1=The weighted average of loans by collateral code.|
−
h2=The weighted average of loans by collateral code.|
 
 
link=WEIGHTED-AVERAGE-BY-COLLATERAL-CODE.ctx|
 
link=WEIGHTED-AVERAGE-BY-COLLATERAL-CODE.ctx|
 
created=2016/09/01|
 
created=2016/09/01|
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}}
 
}}
 
   
 
   
 +
{{SampleContext|
 +
name=Weighted Average by Credit Tier|
 +
h1=The weighted average of loans by credit tiers.|
 +
link=WEIGHTED AVERAGE BY Credit Tier.ctx|
 +
created=2016/09/01|
 +
results={{Results_Weighted Average by Credit Tier|}}
 +
}}
 +
 
{{SampleContext|
 
{{SampleContext|
 
name=LOANS-BY-APR|
 
name=LOANS-BY-APR|
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{{SampleContext|
 
{{SampleContext|
 
name=INSURED-LOANS-BY-OFFICER|
 
name=INSURED-LOANS-BY-OFFICER|
−
h1=Created in REPORT.  Contains 2 REPORTS: By Detail and by Summary.|
+
h1=Pulls all loans that were opened in the prior month. Sorts and totals by type of Insurance for each officer.|
−
h2=Pulls all loans that have been disbursed (MEMBRS.LOAN-FILE.ACTION = D) and have an entry date in between and inclusive (IB) certain entry dates.|
 
 
link=INSURED-LOANS-BY-OFFICER.ctx|
 
link=INSURED-LOANS-BY-OFFICER.ctx|
 
created=2016/09/01|
 
created=2016/09/01|
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name=PAID-OFF-REALESTATE|
 
name=PAID-OFF-REALESTATE|
 
h1=Created in REPORT.  Tracks paid off Real Estate Loans.|
 
h1=Created in REPORT.  Tracks paid off Real Estate Loans.|
−
h2=N/A|
 
 
link=PAID-OFF-REAL-ESTATE.ctx|
 
link=PAID-OFF-REAL-ESTATE.ctx|
 
created=2016/09/01|
 
created=2016/09/01|
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{{SampleContext|
 
{{SampleContext|
 
name=DELINQUENT-LOANS-BY-COLLATERAL|
 
name=DELINQUENT-LOANS-BY-COLLATERAL|
−
h1=Created in REPORT.  Example to set up arrays in Visimage.|
+
h1=Created in REPORT.  Example of how to create arrays in Visimage.|
−
h2=N/A|
+
h2=The report includes detail information as well as totals for each collateral code.|
 
link=DELINQUENT-LOANS-BY-COLLATERAL.ctx|
 
link=DELINQUENT-LOANS-BY-COLLATERAL.ctx|
 
created=2016/09/01|
 
created=2016/09/01|
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name=OFFICER-LOANS-BY-CREDIT-SCORE|
 
name=OFFICER-LOANS-BY-CREDIT-SCORE|
 
h1=Created in REPORT.  Will find all Open Loans, sort by Officer and group by Credit Score.|
 
h1=Created in REPORT.  Will find all Open Loans, sort by Officer and group by Credit Score.|
−
h2=N/A|
 
 
link=OFFICER-LOANS-BY-CREDIT-SCORE.ctx|
 
link=OFFICER-LOANS-BY-CREDIT-SCORE.ctx|
 
created=2016/09/01|
 
created=2016/09/01|
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name=DELINQUENT-LOANS-BY-OFFICER|
 
name=DELINQUENT-LOANS-BY-OFFICER|
 
h1=Gathers and displays all delinquent loans by loan officer.|
 
h1=Gathers and displays all delinquent loans by loan officer.|
−
h2=This report pulls loans that have a balance greater than zero that are 15 days or more past due and are not collateral 999 (charged off).  It is sorted by loan officer and shows how many loans and the total loan balance that are 15-30, 31-60, 61-90, and over 90 days delinquent.|
+
h2=This report pulls loans that have a balance greater than zero that are 15 days or more past due and are not charged off.  It is sorted by loan officer and shows how many loans and the total loan balance that are 15-30, 31-60, 61-90, and over 90 days delinquent.|
 
link=DELINQUENT-LOANS-BY-OFFICER.ctx|
 
link=DELINQUENT-LOANS-BY-OFFICER.ctx|
 
created=2016/09/01|
 
created=2016/09/01|
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name=LOANS-BY-COLLATERAL|
 
name=LOANS-BY-COLLATERAL|
 
h1=Loan Portfolio Summary by Collateral Code.|
 
h1=Loan Portfolio Summary by Collateral Code.|
−
h2=This report pulls all loans that have a balance > 0.  It sorts the loans by COLLATERAL and displays a summary by collateral code showing the collateral code, the collateral description, the total number of loans for that collateral code, the total outstanding balance and the average rate on loans in each collateral code.|
+
h2=This report pulls all open loans that have a balance > 0.  It sorts the loans by COLLATERAL and displays a summary by collateral code showing the collateral code, the collateral description, the total number of loans for that collateral code, the total outstanding balance and the average rate on loans in each collateral code.|
 
link=LOANS-BY-COLLATERAL.ctx|
 
link=LOANS-BY-COLLATERAL.ctx|
 
created=2016/09/01|
 
created=2016/09/01|
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{{SampleContext|
 
{{SampleContext|
−
name=NEW-LOANS-BY-COLLATERAL|
+
name=New Loans by Officer|
−
h1=New Loans Summary by Collateral Code.|
+
h1=New Loans detail by Officer.|
−
h2=This report pulls all new loans that are put on the books during a year, month.  The year and month are specified by an entry in the user prompt in CCYYMM format.  It sorts the loans by COLLATERAL and displays a summary by collateral code.|
+
h2=This report pulls all loans opened in the prior month.|
−
link=NEW-LOANS-BY-COLLATERAL.ctx|
+
link=New Loans by Officer.ctx|
 
created=2016/09/01|
 
created=2016/09/01|
 
results={{Results_NEW-LOANS-BY-COLLATERAL|}}
 
results={{Results_NEW-LOANS-BY-COLLATERAL|}}

Latest revision as of 19:55, 21 December 2021

Accrued Interest Calculations

  • Context contains a List Design and Report Design with the Accrued Interest Calculations.
  • One part of the calculation is to calculate the number of days between the last-int-date and a given date. Currently the given date is the end of the prior month. Modify the global variable #as-of-date for different results.
Sample Report Output
DATE: 08/20/2021        TIME: 8:49 AM                                                                     Page: 1
 
                                           Accrued Interest Calculations
 
    ACCOUNT SUFFIX COLLATERAL LAST-INT-DATE    num-days        APR         BALANCE       daily-int     accrued-int
 
      54338     78        127    06-30-2021          31    9.2500%       2,124.26     5.3834059050          16.69
      46799     87        122    03-31-2021         122    8.6250%      33,448.49    79.0391163549         964.28
       9125     96         30    05-31-2021          61    9.7500%          40.20     0.1073834460           0.66
      10220     87         22    05-31-2021          61    8.3750%      48,340.29   110.9177622108         676.60
      54321     96        130    03-31-2021         122    9.7500%         427.55     1.1420843865          13.93

Download Accrued Interest Calculations
Created: 2021/08/20

Loans Maturing by Branch and Date

  • This is a summary report with counts and totals of loans maturing by branch and date.
Sample Report Output

Date: 12/10/21                                                                                              Page:     1
Time: 9:12 AM
                                                 Loans By Maturity Date
 
                           < 3 yrs        |        4 to 5 yrs      |        > 5 yrs         |
                     Loans        Balance |   Loans        Balance |   Loans        Balance |      ** BRANCH TOTALS **
-----------------------------------------------------------------------------------------------------------------------
Branch  1 Totals:        2    $257,191.93 |       0          $0.00 |       9    $791,835.13 |      11     $1,049,027.06
  =====================================================================================================================
    Final Totals:        2    $257,191.93 |       0          $0.00 |       9    $791,835.13 |      11     $1,049,027.06

Download Loans Maturing by Branch and Date
Created: 2016/09/01

VEHICLE-LOANS-PAID-OFF-6-8-MONTHS

  • Created in List. Selects open Vehicle loans that will be paid off in the next six to eight months.
Sample Report Output

DATE: 12/10/2021        TIME: 9:38 AM                                                                                        Page: 1
 
                                           Vehicle Loans to be Paid Off In 6 to 8 Months
 
 
 Coll. Description           Pay off      Current        Original     Amount Left Account-SFX Member Name                    Credit
                               Date        Balance        Amount        on Loan                                              Score
 
    11 1993 GMC SAFARI VAN  12/12/1997     12,470.00      24,275.59   11,805.59       5138-41 STANLEY W JOHNSON              800
       1996 BMW ROADSTER    09/08/2001     12,470.00      33,158.94   20,688.94       5138-42 STANLEY W JOHNSON              800
       1996 FORD EXPLORER   04/24/1998        824.78      20,000.00   19,175.22       7228-42 JANE ANDERSON                  555
       NEW CAR              03/07/1999         75.35       5,000.00    4,924.65      48593-00 JOHN SMALLEY                   6
       1998 MAZDA RX7       03/31/2003     10,115.57      22,000.00   11,884.43        600-10 EDDIE MURPHY                   0
       1998 NISSAN PATHFIND 03/31/2003      5,499.17      25,000.00   19,500.83        601-10 BRENDA BROWN                   0
       1998 TOYOTA TERCEL   05/01/2003      4,646.25      18,000.00   13,353.75        602-10 ROBIN WILLIAMS                 0
       1998 FORD TRUCK      05/01/2002         94.59      15,000.00   14,905.41        603-10 JACK JONES                     0
       1998 FORD ESCORT     05/01/2002        145.68      24,000.00   23,854.32        604-10 ROBIN HOOD                     0
       1998 FORD TAURAS     05/01/2002         54.83       8,000.00    7,945.17        605-10 GLORIA MARSHALL                0
       1998 CHEVY MALIBU    05/01/2003      5,856.75      23,000.00   17,143.25        606-10 WILLIAM CLINTON                0
       1998 FORD TAURUS     05/01/2003      6,419.86      25,000.00   18,580.14        608-10 JAY LENO                       0
       NEW CAR              09/01/2002        985.52      10,000.00    9,014.48        609-10 MYRNA WARREN                   0
    12 1994 FORD PICKUP     12/26/2000      6,098.86      19,325.00   13,226.14       7228-41 JANE ANDERSON                  555
       2000 FORD EXPLORER   10/15/1999      5,242.99       9,029.51    3,786.52       9091-43 LUANNA TIDWELL                 0

Download VEHICLE-LOANS-PAID-OFF-6-8-MONTHS
Created: 2016/09/01

PLEDGE REPORT

  • Share Secured Loan Report
  • This REPORT lists all Loans, by Account, that have been secured with Shares. It totals the Loan amount and the Share amount, and gives a message: "Loans are fully pledged." or "WARNING: "Insufficient shares."
Sample Report Output
Date: 12/10/21                    Vital Soft Credit Union                  Page: 1
Time: 10:30 AM                   Share Secured Loan Report
 
                               EDDIE MURPHY
 
  Loan Acct    Loan Balance   APR         |    Share Acct  Share Balance   APR
   -----------------------------------         -----------------------------------
   600-12         $2,825.11   11.0000%    |    600-00        $5,800.90     1.0000%
   600-12         $2,825.11   11.0000%    |    5671-00      $14,204.49     1.0000%
   600-12         $2,825.11   11.0000%    |    115599-00     $4,384.12     1.0000%
   600-12         $2,825.11   11.0000%    |    888999-00    $56,844.33     1.0000%
 
   Total Loans:    $2,825.11
   Total Shares:  $81,233.84       Loans are fully pledged.
   ================================================================================
 
                               PETE PETERSON
 
  Loan Acct    Loan Balance   APR         |    Share Acct  Share Balance   APR
   -----------------------------------         -----------------------------------
   10903-60          $70.40    6.0000%    |    10903-00        $141.25     1.0000%
   10903-60          $70.40    6.0000%    |    10903-00        $141.25     1.0000%
 
   Total Loans:       $70.40
   Total Shares:     $141.25       Loans are fully pledged.
   ================================================================================

Download PLEDGE REPORT
Created: 2016/09/01

Weighted Average by Collateral

  • The weighted average of loans by collateral code.
Sample Report Output
Date: 12/10/21                                                                             Page:     1
Time: 10:39 AM                           Weighted Average
                                        By Collateral Code
 
              Collateral  Description             Total Loan     Weighted        Loan
                 Code                               Balances      Avg APR       Count
------------------------------------------------------------------------------------------------------
                     1    PERSONAL                 17,714.37       12.64%           3
                     8    REAL ESTATE              13,331.37        9.67%           2
                     9    SHARES                       70.40        6.00%           1
                    11    NEW CAR                  84,726.28        8.93%          23
                    12    USED CAR                 11,341.85        9.01%           2
                    15    MISCELLANEOUS             7,065.90        8.25%           1
                    21    EQUITY LOC                3,344.43        7.50%           1
                    22    LNG TRM 1ST MRTG RE     548,668.35        7.79%           7
                    25    EQUITY LOC               80,000.00        7.25%           1
                    28    HOME EQUITY LOC         142,745.31        6.51%           2
                    30    CLASSIC VISA             29,825.39        9.86%          28
                    31    GOLD VISA                23,969.96       10.54%          17
                    32    FIXED EQUITY LOC          9,316.45       10.50%           1
                   101    PERSONAL                 12,470.00       14.50%           1
                   108    REAL ESTATE             140,000.00        8.00%           1
                   109    SHARES                    2,825.11       11.00%           1
                   111    NEW CAR                 139,253.05        1.42%          42
                   112    USED CAR                 28,369.93        8.70%           3
                   122    LNG TRM 1ST MRTG RE     395,792.98        7.79%           3
                   127    HOME EQUITY              57,307.41        9.25%           3
                   129    HOME EQUITY LOC          24,597.77        9.25%           2
                   130    CLASSIC VISA             14,533.69        9.75%          14
                   131    GOLD VISA                 7,337.49       10.70%          20
                   400                             35,660.47       10.81%           6
 
                                                =============     =======     =======
                                                1,830,267.96        7.62%         185

Download Weighted Average by Collateral
Created: 2016/09/01

Weighted Average by Credit Tier

  • The weighted average of loans by credit tiers.
Sample Report Output
Date: 12/10/21                                                                             Page:     1
Time: 11:15 AM                           Weighted Average
                                        By Credit Score Tier
 
                   Credit Score                  Total Loan      Weighted       Loan
                       Tier                        Balances       Average      Count
------------------------------------------------------------------------------------------------------
                    A 690+                        106,284.34        9.90%          10
                    B 650-689                     157,090.05        2.62%          74
                    C 600-649                      78,555.66        9.67%          46
                    D <= 599                    1,489,353.75        7.87%          41
 
                                                =============     =======     =======
                                                1,831,283.80        7.62%         171

Download Weighted Average by Credit Tier
Created: 2016/09/01

LOANS-BY-APR

  • Created in LIST. Reports all open loans sorted, totaled, and counted by APR.
  • N/A
Sample Report Output
DATE: 12/10/2021        TIME: 11:28 AM     Page: 1
 
               Total Loans by APR
 
 
    APR      Total Balance       # of Loans
=======   =================     ===========
 
  6.00%             $70.40                1
  6.75%         $32,180.59                1
  7.15%         $12,470.00                1
  7.50%        $160,301.01                1
  7.65%         $12,470.00                1
  7.75%         $12,610.15                2
  8.25%          $7,890.68                2
  8.37%         $48,340.29                1
  8.50%         $13,331.37                2
  8.62%         $33,448.49                1
  9.25%         $27,633.24                2
  9.75%         $64,810.95               18
 10.00%          $9,803.01                1
 10.50%          $9,316.45                1
 10.75%          $4,003.31                9
 13.50%            $883.60                2
 14.25%         $12,470.00                1
 14.50%         $25,606.89                3
 
               $487,640.43  Tot          50 Cnt

Download LOANS-BY-APR
Created: 2016/09/01

INSURED-LOANS-BY-OFFICER

  • Pulls all loans that were opened in the prior month. Sorts and totals by type of Insurance for each officer.
Sample Report Output
 DATE 12/14/2021                                                     PAGE     1
 TIME 9:57 AM
                          INSURED LOANS BY OFFICER
 
 TOTALS FOR OFFICER: 000 BILL JONES
 
   INS-1  INS-2   IN-3  INS-4  INS-5
      18      0      0      0      2
 
  TOTAL INSURED LOANS           :     20
  TOTAL AMOUNT OF INSURED LOANS :    $130,843.67
 
  TOTAL LOANS :     20
  TOTAL AMOUNT OF ALL LOANS :    $130,843.67
___________________________________________________________________________
 TOTALS FOR OFFICER: 001 NANCY SMITH
 
   INS-1  INS-2   IN-3  INS-4  INS-5
      33      4      5      0     10
 
  TOTAL INSURED LOANS           :     52
  TOTAL AMOUNT OF INSURED LOANS :     $26,929.64
 
  TOTAL LOANS :     59
  TOTAL AMOUNT OF ALL LOANS :     $28,247.93
___________________________________________________________________________
 TOTALS FOR OFFICER: 002 FRANK FREDERICK
 
   INS-1  INS-2   IN-3  INS-4  INS-5
       8      0      0      0      3
 
  TOTAL INSURED LOANS           :     11
  TOTAL AMOUNT OF INSURED LOANS :      $3,023.71
 
  TOTAL LOANS :     16
  TOTAL AMOUNT OF ALL LOANS :      $3,023.71
___________________________________________________________________________
 TOTALS FOR OFFICER: 003 SHELLY BROWN
 
   INS-1  INS-2   IN-3  INS-4  INS-5
      14      1      5      0      8
 
  TOTAL INSURED LOANS           :     28
  TOTAL AMOUNT OF INSURED LOANS :     $16,688.55
 
  TOTAL LOANS :     33
  TOTAL AMOUNT OF ALL LOANS :     $22,536.66
___________________________________________________________________________

...

___________________________________________________________________________
 
TOTAL INSURED 25,672     $221,493,097.02
 
  1 - LIFE                       21,957   208,659,383.59
  2 - JOINT LIFE                    162      $722,974.15
  3 - DISABILITY                    562    $3,106,905.31
  4 - JOINT LIFE AND DISABILITY      20      $217,342.17
  5 - LIFE AND DISABILITY         2,971    $8,786,491.80
 
TOTALS        25,771     $221,596,833.63

Download INSURED-LOANS-BY-OFFICER
Created: 2016/09/01

  • Created in REPORT. Tracks paid off Real Estate Loans.
Sample Report Output

DATE:12/14/2021 TIME: 9:13 AM                                                                                    PAGE:     1
 
                                      PAID OFF REAL ESTATE LOANS IB 11/01/2021  -  11/30/2021
 
     ACCOUNT-SF  NAME                                           ENTRY-AMT   COLL INS  LAST-CODE        LAST-AMT    PD-OFF DT
 ---------------------------------------------------------------------------------------------------------------------------
        1258-72  NEAL GILLENWATER                              $20,044.83      8  J     PTPD            $235.80   1996/10/03
        7488-72  STEVE ROBERTS                                 $19,021.28      8  J     PTDD             $56.54   2000/12/22
       42066-82  ADELINE HATCHER                               $29,000.00      8  N     LPMT             $54.07   1999/12/31
       46274-72  TIM FEINGOLD                                  $15,000.00    108  N     PTPD             $60.06   2001/10/26
 --------------------
 TOTAL LOANS PAID OFF
           4

Download PAID-OFF-REALESTATE
Created: 2016/09/01

DELINQUENT-LOANS-BY-COLLATERAL

  • Created in REPORT. Example of how to create arrays in Visimage.
  • The report includes detail information as well as totals for each collateral code.
Sample Report Output

DATE:12/14/2021                                                                                                       PAGE:     1
TIME:10:20 AM
                                                           DELINQUENT LOANS BY COLLATERAL
                                                         DELINQUENT AS OF DATE: 01-01-2021
 COLLATERAL:      1
 
     ACCOUNT-SFX        BALANCE      DUE-DATE
 --------------------------------------------
         472-11        $666.89     2006/04/27
        5138-11     $12,470.00     2006/11/26
       12535-01      $4,577.48     2006/06/30
 -----------------------------------------
 PAST DUE TOTALS
 
  0 - 10 DAYS PAST DUE | 11 - 20 DAYS PAST DUE | 21 - 30 DAYS PAST DUE |  31 DAYS OR MORE PAST DUE     | TOTAL CNT  TOTAL AMT
 --------------------------------------------------------------------------------------------------------------------------------
 |    0        $0.00   |     0        $0.00    |       0        $0.00  |           3      $17,714.37   |         3    $17,714.37
 --------------------------------------------------------------------------------------------------------------------------------
 
 
 COLLATERAL:      8
 
     ACCOUNT-SFX        BALANCE      DUE-DATE
 --------------------------------------------
         549-82        $861.37     2006/06/23
        5138-72     $12,470.00     2006/11/24
 -----------------------------------------
 PAST DUE TOTALS
 
  0 - 10 DAYS PAST DUE | 11 - 20 DAYS PAST DUE | 21 - 30 DAYS PAST DUE |  31 DAYS OR MORE PAST DUE     | TOTAL CNT  TOTAL AMT
 --------------------------------------------------------------------------------------------------------------------------------
 |    0        $0.00   |     0        $0.00    |       0        $0.00  |           2      $13,331.37   |         2    $13,331.37
 --------------------------------------------------------------------------------------------------------------------------------

Download DELINQUENT-LOANS-BY-COLLATERAL
Created: 2016/09/01

FIRST-LOAN-PAYMENT-MISSED

  • Created in REPORT. All loans where the first scheduled payment (FIRST-PAY-DATE) is past due.
  • All loans where the first scheduled payment (FIRST-PAY-DATE) is past due. Output includes the primary memberÎs name, SSN, phone number and any co-borrower name(s).
Sample Report Output
Date: 12/14/2021                                                                                  Page:     1
Time: 10:27 AM
                                           First Loan Payment Missed
 
     Account-Sfx Primary Member                   Primary   First Due   # of Days      Balance   Phone Number
                 Co-borrower                        SSN        Date     Past Due
-------------------------------------------------------------------------------------------------------------
       18774-98  FLORRIE J CLARK                541-81-7816 06/01/1997     8,962       172.22  (503) 555-9995
 
       56401-98  ROBERT LONGFIELD               273-59-4281 11/01/1996     9,174       391.56  (415) 525-5100
 
       52051-98  EARL F PEELER                  543-03-8704 06/01/1997     8,962       172.22  (503) 555-3954
 
         239-98  DAVID R WALLING                240-49-9605 06/01/1997     8,962     1,580.95  (503) 555-6819
 
         273-87  KATHY MASON                    140-43-4901 04/28/1986    13,014       140.15  (581) 532-4070
                 STEVE GROVES
 
         318-98  MIKE RULLINS                   243-57-8925 06/01/1997     8,962       520.42  (503) 555-9137
 
         354-98  DONNA OAKLEY                   142-57-9445 06/01/1997     8,962       520.42  (503) 555-8614
 
         472-11  CYNTHIA O'BRIEN                840-41-7535 11/11/1984    13,547       666.89  (503) 555-1066
 
         549-82  WAYNE DOUGLAS                  643-55-5139 05/20/1989    11,896       861.37  (055) 5  -
                 NORIKA NAMBA
 
         644-98  GUY MORRIS                     737-39-5977 09/01/1996     9,235     4,060.01  (503) 555-1124
 
 
Number of Accounts Past Due: 10       Total Amount Past Due:    9,086.21

Download FIRST-LOAN-PAYMENT-MISSED
Created: 2016/09/01

OFFICER-LOANS-BY-CREDIT-SCORE

  • Created in REPORT. Will find all Open Loans, sort by Officer and group by Credit Score.
Sample Report Output


Date: 12/15/2021                                                                                                            Page:     1
Time: 10:22 AM                                   Open Loans by Officer by Credit Score
 
    Officer  # of Loans             A+               A               B               C               D               E            Total
 
      AF             17           0.00            0.00            0.00            0.00            0.00        7,207.36         7,207.36
      CM              1           0.00            0.00            0.00            0.00            0.00           75.35            75.35
      SFL            16     106,284.34            0.00            0.00            0.00       34,273.43          486.73       141,044.50
      SU             71           0.00            0.00            0.00            0.00            0.00    1,098,591.39     1,098,591.39
      ZZ             66           0.00            0.00            0.00            0.00            0.00      584,365.20       584,365.20
 
            =========== =============== =============== =============== =============== =============== ===============  ===============
Total:              171     106,284.34            0.00            0.00            0.00       34,273.43    1,690,726.03     1,831,283.80

Download OFFICER-LOANS-BY-CREDIT-SCORE
Created: 2016/09/01

DELINQUENT-LOANS-BY-OFFICER

  • Gathers and displays all delinquent loans by loan officer.
  • This report pulls loans that have a balance greater than zero that are 15 days or more past due and are not charged off. It is sorted by loan officer and shows how many loans and the total loan balance that are 15-30, 31-60, 61-90, and over 90 days delinquent.
Sample Report Output

Date: 12/15/2021
Time: 10:33 AM
                                                       Vital Soft Credit Union Delinquency Report
 
___________________________________________________________________________________________________________________________________________________
      Officer   |           15-30         |           31-60         |           61-90         |         over 90         |      Officer Total      |
---------------------------------------------------------------------------------------------------------------------------------------------------
        AF      |     0            $0.00  |     0            $0.00  |     0            $0.00  |    17        $7,207.36  |    17        $7,207.36  |
        CM      |     0            $0.00  |     0            $0.00  |     0            $0.00  |     1           $75.35  |     1           $75.35  |
        SFL     |     0            $0.00  |     0            $0.00  |     0            $0.00  |    16      $141,044.50  |    16      $141,044.50  |
        SU      |     0            $0.00  |     0            $0.00  |     0            $0.00  |    71      1098,591.39  |    71    $1,098,591.39  |
        ZZ      |     0            $0.00  |     0            $0.00  |     0            $0.00  |    66      $584,365.20  |    66      $584,365.20  |
---------------------------------------------------------------------------------------------------------------------------------------------------
Final total:    |     0            $0.00  |     0            $0.00  |     0            $0.00  |   171    $1,831,283.80  |   171    $1,831,283.80  |
---------------------------------------------------------------------------------------------------------------------------------------------------

Download DELINQUENT-LOANS-BY-OFFICER
Created: 2016/09/01

LOANS-BY-COLLATERAL

  • Loan Portfolio Summary by Collateral Code.
  • This report pulls all open loans that have a balance > 0. It sorts the loans by COLLATERAL and displays a summary by collateral code showing the collateral code, the collateral description, the total number of loans for that collateral code, the total outstanding balance and the average rate on loans in each collateral code.
Sample Report Output
DATE: 12/15/2021 TIME: 11:09 AM                         PAGE:     1
 
           Loan Portfolio Summary by Collateral Code
 
 COL CODE  DESCRIPTION            #Count       Total Bal    Avg Rate
 --------  --------------------  -------    ------------    --------
      1    PERSONAL                    3      $17,714.37      12.64%
      8    REAL ESTATE                 2      $13,331.37       9.66%
      9    SHARES                      1          $70.40       6.00%
     11    NEW CAR                    23      $84,726.28       8.92%
     12    USED CAR                    2      $11,341.85       9.01%
     15    MISCELLANEOUS               1       $7,065.90       8.25%
     21    EQUITY LOC                  1       $3,344.43       7.50%
     22    LNG TRM 1ST MRTG RE         7     $548,668.35       7.79%
     25    EQUITY LOC                  1      $80,000.00       7.25%
     28    HOME EQUITY LOC             2     $142,745.31       6.51%
     30    CLASSIC VISA               22      $30,055.54       9.85%
     31    GOLD VISA                  16      $23,994.90      10.53%
     32    FIXED EQUITY LOC            1       $9,316.45      10.50%
    101    PERSONAL                    1      $12,470.00      14.50%
    108    REAL ESTATE                 1     $140,000.00       8.00%
    109    SHARES                      1       $2,825.11      11.00%
    111    NEW CAR                    42     $139,253.05       1.41%
    112    USED CAR                    3      $28,369.93       8.69%
    122    LNG TRM 1ST MRTG RE         3     $395,792.98       7.78%
    127    HOME EQUITY                 3      $57,307.41       9.25%
    129    HOME EQUITY LOC             2      $24,597.77       9.25%
    130    CLASSIC VISA               10      $15,228.56       9.75%
    131    GOLD VISA                  18       $7,377.87      10.69%
    999    CHARGED OFF LOANS          19      $41,099.00      13.04%
 --------------------------------------------------------------------
 TOTAL                               185   $1,836,696.83       7.68%

Download LOANS-BY-COLLATERAL
Created: 2016/09/01

New Loans by Officer

  • New Loans detail by Officer.
  • This report pulls all loans opened in the prior month.
Sample Report Output

DATE: 12/21/2021        TIME: 11:43 AM                                                                                                         Page: 1
 
                                                              New Loans November 2021
                                                                  Sorted by Officer
 
Officer  Coll.        Orig     Credit   Account/SFX      Entry          Entry           Credit Description                 APR        Due     Payment
                    Branch       Score                    Date          Amount           Limit                                       Date      Amount
 
   AF      131           1         870 18774-98     05-01-1997         462.59       15,000.00  VISA GOLD              10.7500% 06-01-2006     100.00
                         1 Cnt                                         462.59  Tot
 
   SU        1           1         750 35016-11     09-05-1996       2,100.00        2,100.00  PERSONAL               14.5000% 10-24-1998     132.57
                         1         600 35172-19     03-28-1995       3,865.78        3,865.78  PERSONAL               12.0000% 07-03-1997      85.82
             5           1         675 35063-41     03-15-1996      17,546.13       10,000.00  1996 DUTCHMAN CLASSI    8.2500% 10-17-2000     350.00
            30           1         680 19994-96     10-27-1992       1,532.71        5,000.00  VISA CLASSIC           13.5000% 10-01-2006      75.00
                         1         700 35016-96     03-28-1994       1,196.77        5,000.00  VISA CLASSIC            9.7500% 10-31-2006      36.00
            31           1         690 14108-98     09-11-1990       1,969.00       10,000.00  VISA GOLD               9.7500% 02-01-2001      25.00
           109           1         695 46214-60     07-17-1995      14,000.00       14,000.00  SHARES IN 46214-00      6.0000% 02-01-2001     267.70
           999           1         800 211-40       03-13-1989      24,676.87       25,000.00  EQUITY LOC              8.4300% 02-01-2001     449.00
                         1         890 35617-11     07-28-1989       5,000.00        5,000.00  CHARGED OFF LOANS      14.2500% 04-02-1991      50.25
                         9 Cnt                                      71,887.26  Tot
 
                        10 Cnt                                      72,349.85  Tot

Download New Loans by Officer
Created: 2016/09/01

Loan Payment Breakdown Using LN-HISTORY

  • Loan Payments for the prior month, showing Beginning Balance, Principal, Interest, Fees and Ending Balance.
  • This report pulls all monetary transactions for a given month from the LN-HISTORY dataset from the HISTRY database.
  • Account numbers and Names are not shown in Results.
Sample Report Output

DATE: 09/01/2020        TIME: 8:45 AM                                                                                                                                                                                                              Page: 1
 
                                                          Loan Payment Breakdown                                                              
 
Suffix Collateral Transaction-Date Trans-Type Command Beginning-Balance   Total-Payment Principal-Amount Interest-Amount Fee-Amount  Ending-Balance
 
    45          2       2020/08/01        101     153        $1,856.20         $155.80          $155.80           $0.00      $0.00       $1,700.40
    07          1       2020/08/01        101     153        $1,460.84          $85.00           $81.76           $3.24      $0.00       $1,379.08
    45          2       2020/08/01        101     290          $515.32          $60.22           $60.22           $0.00      $0.00         $455.10
    01        401       2020/08/01        101     156       $17,641.18         $600.00          $525.69          $74.31      $0.00      $17,115.49
    45          2       2020/08/01        101     153          $223.65         $100.00          $100.00           $0.00      $0.00         $123.65
    45          2       2020/08/01        101     153           $93.59          $93.59           $93.59           $0.00      $0.00           $0.00
    46          2       2020/08/01        101     288        $6,785.49          $99.85-          $99.85-          $0.00      $0.00       $6,885.34
    45          2       2020/08/01        101     288          $814.82          $24.39-          $24.39-          $0.00      $0.00         $839.21
    45          2       2020/08/01        101     153        $5,023.30          $50.00           $50.00           $0.00      $0.00       $4,973.30
    08        901       2020/08/01        101     153      $127,949.36         $610.84          $197.67         $413.17      $0.00     $127,751.69
    08         19                         102     153   $11,630,879.04         $181.00            $0.00           $0.00    $181.00  $11,630,879.04

Download Loan Payment Breakdown Using LN-HISTORY
Created: 2016/09/10

Number of Late Payments

  • This report uses the LOAN-FILE.PMT-HISTORY field to count the number of times a loan has been late.
  • The late payments are broken into 30, 60, 90 and 120 day buckets.
Sample Report Output

Date: 09/10/2020                           Number of Times a Loan Payment has been Late                               Page:           1
 Time: 8:16 AM
 
     Account  SFX    Collateral     PMT HISTORY                         30 Days     60 Days     90 Days    120 Days       Total 60+ days
         239  98           31       999999999999999999999999999999            0           0           0           0                   30
         273  87           22       999999999999999999999887766555            0           0           0           0                   30
         318  98           31       999999999999999999999999999999            0           0           0           0                   30
         354  98           31       999999999999999999999999999999            0           0           0           0                   30
         472  11            1       999999999999999999999999999999            0           0           0           0                   30
         549  82            8       999999999999999999999999999999            0           0           0           0                   30
         600  10           11       333322222222111110000000000000            5           8           4           0                   12
         600  12          109       333322222222111110000000000000            5           8           4           0                   12
         600  76           28       333322222222111110000000000000            5           8           4           0                   12
         601  10           11       333322222222111110000000000000            5           8           4           0                   12
         602  10           11       444432333333222221101000000000            3           6           7           4                   17
         603  10           11       444432333333222221101000000000            3           6           7           4                   17
         604  10           11       444432333333222221101000000000            3           6           7           4                   17
         605  10           11       444432333333222221101000000000            3           6           7           4                   17
         606  10           11       444432333333222221101000000000            3           6           7           4                   17
         608  10           11       444432333333222221101000000000            3           6           7           4                   17

Download Number of Late Payments
Created: 2016/09/10


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