Detail Loan data for A/L BENCHMARKS
Format #1: Inter-agency Format
                     ALERT - Automated Loan Examination Review Tool
                     Regulatory or RegLoans file

 

   Field Name Description Type Width Format Pos
1 A Borrower ID Primary key identifier for the borrowing entity. This is the number used to uniquely identify the borrower which may be the same as the CIF number. This field must be populated. A/N 34   1
2 B Short Name Obligor’s abbreviated name. Individuals in order of last name first name middle initial. Businesses use truncated name. This field must be populated. A/N 30   35
3 C Long Name Obligor’s full legal name. Format s/b first name middle initial and last name. For businesses use full legal name. This field must be populated. A/N 40   65
4 D Address line 1 Street address A/N 40   105
5 E Address line 2 Vendor defined A/N 40   145
6 F Address line 3 Vendor defined A/N 40   185
7 G City City in which the primary borrower has its main or head office. A/N 40   225
8 H State Post Office state code in which the primary borrower has its main or head office A/N 2   265
9 I Zip Code Zip code for the primary borrower’s main or head office A/N 9   267
10 J Taxpayer ID Nine-digit code issued by the US Government (TIN). Individuals use social security number. A/N 9   276
11 K Business Type Borrower’s North American Industry Classification System (NAICS) code or SIC code A/N 6   285
12 L Relationship Name Unique identifying name associating related borrowers. The group name is associated with a unique group ID or relationship number. Do not enter CIF numbers here. A/N 40   291
13 M Relationship ID Unique ID used to identify a group of related borrowers. A/N 34   331
14 N Credit Score Credit score (e.g. FICO or Beacon) obtained from a credit bureau that was used in the underwriting of the credit. If multiple bureau scores were used provide the dominant score. N 3 999 365
15 O Stock symbol Symbol used to identify primary borrower by NYSE AMEX or NASDAQ etc. A/N 8   368
16 P Out-of-Territory Indicator if the borrower’s address or location is outside of the institution’s market area. L 1 Y/N 376
17 Q Insiders and Employees "If the data supports report Regulation O defined insiders using ""O"" for executive officer ""D"" for director and ""P"" for principal shareholders. Additionally if the data supports designate employees (those that are not executive officers) with ""E"". If the user or vendor data does not support this scheme simply identify insider status with Y/N." A/N 1 O/D/P/E or Y/N 377
18 R Lending Division The division or responsibility code responsible for the underwriting and/or monitoring of the borrower. A/N 10   378
19 S Lending Officer Code or name of loan officer responsible for the borrower relationship. A/N 20   388
20 T Branch ID Identity of the branch location where relationship is managed. A/N 10   408
21 U Note number Primary key identifier for each note. This field must be populated. A/N 34   418
22 V Balance outstanding Current outstanding principal balance of the note. This field must be populated. In rare instances where the customer has overpaid the note and the bank is carrying a credit balance in this field you may report the number as a negative balance with a minus sign in the first character position to the left of the highest-order digit. For instance a credit balance of a negative $3 456.95 should be reported as -3456.95. N 15 9(12).99 452
23 W Undisbursed Commitment availability Report the unused portions of commitments to make or purchase extensions of credit in the form of loans participations lease financing receivables or similar transactions. Include loan proceeds the bank is obligated to advance such as loan draws construction progress payments seasonal advances under prearranged lines of credit revolving credit facilities or similar transactions. Include the unused proceeds of commitments for which the bank has charged a commitment fee or otherwise has a legally binding commitment. This will many times be the unused portion of lines of credit or the unfunded balance on a standby line of credit. N 15 9(12).99 467
24 X Original Amount The original amount of the note. N 15 9(12).99 482
25 Y Origination Date Date the loan was originated. D 8 YYYYMMDD 497
26 Z Last renewal date The date the note was last renewed. D 8 YYYYMMDD 505
27 AA Maturity Date The date when full payment on the note is contractually due. D 8 YYYYMMDD 513
28 AB Last extension date The date the note’s maturity was last extended. D 8 YYYYMMDD 521
29 AC Number of renewals The number of times the note has been renewed. N 3 999 529
30 AD Number of extensions The number of times the note’s maturity date has been extended. N 3 999 532
31 AE Note purpose Description of what the proceeds will be used for. A/N 40   535
32 AF Collateral Code The code associated with the collateral type (e.g. commercial real estate 1?4 family mortgages UCC filings marketable securities etc.). A/N 10   575
33 AG Interest Rate The contractual rate of interest currently applied to this note. N 7 0.999999 585
34 AH Interest Rate Index Interest rate base index used when the note’s rate varies with an index. A/N 20   592
35 AI Interest Rate Spread The interest rate variance from the index rate charged on this note. Express in terms of a percentage. For example the premium of a note written a Prime + 2.25% would be expressed as 0.02250. If the interest rate is determined by deducting from the index (i.e. prime minus 2.25%) then report the spread in this field as negative. The entry left of the decimal point should either be a space or a zero if this field is positive or a minus sign if it is not. An example would be -.02250. N 7 9.99999 612
36 AJ Interest earned not collected Total amount of interest accrued and not yet received on a note/credit facility. In the case of pre-paid interest (borrower has paid ahead) report the data in this field with a minus sign in the first character position to the left of the highest-order digit. For instance a pre-paid balance of $3 456.95 should be reported as -3456.95. N 15 9(12).99 619
37 AK Borrower’s internal rating The overall rating assigned to the borrower. If borrower ratings are not assigned provide the note rating here. A/N 5   634
38 AL Borrower’s rating date Date the most recent internal rating was assigned to the borrower. D 8 YYYYMMDD 639
39 AM Note risk rating Bank’s internal risk rating of the note’s total outstanding balance. A/N 20   647
40 AN Note balance rated pass Dollar amount of funded debt on the note rated pass by the bank. N 15 9(12).99 667
41 AO Note balance rated special mention Dollar amount of funded debt on the note rated the equivalent of special mention by bank. N 15 9(12).99 682
42 AP Note balance rated substandard Dollar amount of funded debt on the note rated the equivalent of substandard by the bank. N 15 9(12).99 697
43 AQ Note balance rated doubtful Dollar amount of funded debt on the note rated the equivalent of doubtful by the bank. N 15 9(12).99 712
44 AR Charge off amount Amount of principal charged off this note. N 15 9(12).99 727
45 AS Specific Reserve Amount of specific reserve for loan losses on this note which is not available to offset losses on any other loan. N 15 9(12).99 742
46 AT Shared National Credit Indicator if this note has been identified as qualifying for the SNC program. L 1 Y/N 757
47 AU Guarantor Name of the entity/person that guarantees the note. With multiple guarantors give the primary one. A/N 40   758
48 AV Days Past Due The number of days the note is past due on the date this report is produced. If the customer has paid ahead and the bank’s system reflects this as a negative past due in this field report the data in this field with a minus sign in the first character position to the left of the highest-order digit. For instance a note that’s paid ahead 30 days would be reported as -30. N 5 99999 798
49 AW Interest paid-to date The date to which interest payments are current. D 8 YYYYMMDD 803
50 AX Nonaccrual Indicator if the note has been placed on nonaccrual. L 1 Y/N 811
51 AY Times Past Due 30-59 Number of times the note has been past due 30 - 59 days since the origination date. N 3 999 812
52 AZ Times Past Due 60-89 Number of times the note has been past due 60 - 89 days since the origination date. N 3 999 815
53 BA Times Past Due 90+ Number of times the note has been past due 90 days or more since the origination date. N 3 999 818
54 BB Type The type of loan as defined by the vendor or user. For example Comm'l RE CRE I/L RC. A/N 20   821
55 BC FFIEC Code The code or Call Report line number used by the vendor or user to categorize loans for the Report of Condition Schedule RC-C. A/N 10   841
56 BD Participation indicator Indicator if the loan was purchased or sold. Enter a ‘P’ if it was purchased ‘S’ if all or a portion is sold. A/N 1 P/S 851
57 BE Amount Sold The current balance of the amount sold. N 15 9(12).99 852
58 BF Participation Sold Original Amount The original amount of this note that was sold. N 15 9(12).99 867
59 BG Collateral description The narrative description of the collateral. A/N 50   882
60 BH Loan for sale Indicator that the note is accounted for under the held-for-sale category. L 1 Y/N 932
61 BI Next due date The date the next payment principal or interest is due. For delinquent loans this will be in the past. D 8 YYYYMMDD 933
62 BJ Payment frequency How often payments are contractually required (monthly quarterly annually bullet etc.). A/N 10   941
63 BK Variable Rate Indicator if note’s interest rate is adjustable floating or variable. L 1 Y/N 951
64 BL Periodic Interest Rate Cap The maximum change allowed to the interest rate at each re-pricing opportunity. N 7 0.999999 952
65 BM Interest Rate Reset Interval The time between periodic reset dates for variable or adjustable rate loans expressed in days. For instance a note that adjusts weekly would have a “7” in this field variable-rate notes adjusting monthly a “30” and so on. N 4 9999 959
66 BN Lifetime Interest Rate Cap The maximum rate the note can reach over its contractual term. N 7 0.999999 963
67 BO Troubled Debt Restructured Indicator if the note is considered to be a troubled debt restructure. L 1 Y/N 970
68 BP Amortizing/Non-amortizing status Indicate if the note is amortizing with a ‘Y’. Indicator should be an “N” for notes where payments have been suspended. L 1 Y/N 971
69 BQ Payment amount Amount of regularly scheduled payment. N 15 9(12).99 972
70 BR Last Payment Date Date the last payment was made. D 8 YYYYMMDD 987
71 BS Capitalized Interest The amount of interest added to the note’s principal balance. N 15 9(12).99 995
72 BT Number of payments in contract The contractual number of payments required by the note. N 3 999 1010
73 BU Collateral Value The dollar value the bank ascribes to all collateral securing this note. N 15 9(12).99 1013
74 BV Collateral Valuation/Appraisal Date Date collateral was last appraised or valued. D 8 YYYYMMDD 1028
75 BW Lien Status The priority lien held by this bank (e.g. 1st lien 2nd lien etc.). A/N 20   1036
76 BX Block Numbering Area or Census Tract Block Numbering Area or census tract where the collateral is located. A/N 6   1056
77 BY MSA Code The Metropolitan Statistical Area where the collateral is located. A/N 6   1062
78 BZ Dealer Code The code identifying loans accepted from auto mobile home or other sales agents. A/N 20   1068
79 CA Dealer Reserve Balance The dealer reserve against this note. N 15 9(12).99 1088
80 CB Escrow Balance The amount currently held in escrow for payment to third parties such as insurance and real estate taxes. In the case of a negative escrow balance report the data in this field with a minus sign in the first character position to the left of the highest-order digit. For instance an escrow of a negative $3 456.95 should be reported as -3456.95. N 15 9(12).99 1103
81 CC Co-maker\Joint-maker The name of the co-maker(s) or joint maker(s) whose signature(s) appears on the promissory note or loan agreement. Identify first one where there are multiple co-makers. A/N 40   1118
82 CD Late Charges Late charges currently due and unpaid. N 15 9(12).99 1158

Web references:

FDIC Privacy Impact Assessment - http://www.fdic.gov/about/privacy/assessments_alert.html

Interagency Loan Data Request to Improve the Bank Examination Process:
  FDIC - http://www.fdic.gov/news/news/press/2002/pr2902.html
  Fed Reserve - http://www.dallasfed.org/banking/notices/2002/not0214.pdf
  OTS - http://www.ots.treas.gov/docs/2/25194.pdf

Last updated: Monday, March 24, 2008 @ 12:16 p.m..
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