Detail Loan data for A/L BENCHMARKS
Format #2: Basic Format

 

   Field Name Description Type Width Format Pos
1 A ID Primary key identifier for the borrowing entity. This is the number used to uniquely identify the borrower A/N 34   1
2 B 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 35
3 C 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 mi N 15 9(12).99 38
4 D Original Amount The original amount of the note. N 15 9(12).99 53
5 E Origination Date Date the loan was originated. D 8 YYYYMMDD 68
6 F Maturity Date The date when full payment on the note is contractually due. D 8 YYYYMMDD 76
7 G Note purpose Description of what the proceeds will be used for. A/N 40   84
8 H 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   124
9 I Interest Rate The contractual rate of interest currently applied to this note. N 7 0.999999 134
10 J Interest Rate Index Interest rate base index used when the note’s rate varies with an index. A/N 20   141
11 K 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 N 7 9.99999 161
12 L 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 N 15 9(12).99 168
13 M Charge off amount Amount of principal charged off this note. N 15 9(12).99 183
14 N 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).99 198
15 O 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 po N 5 99999 213
16 P Interest paid-to date The date to which interest payments are current. D 8 YYYYMMDD 218
17 Q Nonaccrual Indicator if the note has been placed on nonaccrual. L 1 Y/N 226
18 R Type The type of loan as defined by the vendor or user. For example Comm'l RE CRE I/L RC.z A/N 20   227
19 S 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   247
20 T 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 257
21 U Amount Sold The current balance of the amount sold. N 15 9(12).99 258
22 V Participation Sold Original Amount The original amount of this note that was sold. N 15 9(12).99 273
23 W Collateral description The narrative description of the collateral. A/N 50   288
24 X Loan for sale Indicator that the note is accounted for under the held-for-sale category. L 1 Y/N 338
25 Y 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 339
26 Z Payment frequency How often payments are contractually required (monthly quarterly annually bullet etc.). A/N 10   347
27 AA Variable Rate Indicator if note’s interest rate is adjustable floating or variable. L 1 Y/N 357
28 AB Periodic Interest Rate Cap The maximum change allowed to the interest rate at each re-pricing opportunity. N 7 0.999999 358
29 AC 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 365
30 AD Lifetime Interest Rate Cap The maximum rate the note can reach over its contractual term. N 7 0.999999 369
31 AE Lifetime Interest Rate Floor The minimum rate the note can reach over its contractual term. N 7 0.999999 376
32 AF Next reset/reprice date Next reset date for variable or adjustable rate loans. D 8 YYYYMMDD 383
33 AG 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 391
34 AH Payment amount Amount of regularly scheduled payment. N 15 9(12).99 392
35 AI Last Payment Date Date the last payment was made. D 8 YYYYMMDD 407
36 AJ Collateral Value The dollar value the bank ascribes to all collateral securing this note. N 15 9(12).99 415
37 AK Collateral Valuation/Appraisal Date Date collateral was last appraised or valued. D 8 YYYYMMDD 430
38 AL MSA Code The Metropolitan Statistical Area where the collateral is located. A/N 6   438
39 AM Late Charges Late charges currently due and unpaid. N 15 9(12).99 444
40 AN Interest Only Indicates if note payments are interest only.  Y for payments that are interest only, N for payments that are principal plus interest. L 1 Y/N 459
41 AO Balloon Date Loan's balloon date if applicable, blank if not D 8 YYYYMMDD 460

 

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