Detail Loan data for A/L BENCHMARKS
Format #3: Expanded Format

 

   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 Zip Code Zip code for the primary borrower’s main or head office A/N 9   35
3 C Business Type Borrower’s North American Industry Classification System (NAICS) code or SIC code A/N 6   44
4 D 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 50
5 E Stock symbol Symbol used to identify primary borrower by NYSE AMEX or NASDAQ etc. A/N 8   53
6 F Out-of-Territory Indicator if the borrower’s address or location is outside of the institution’s market area. L 1 Y/N 61
7 G 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" A/N 1 O/D/P/E or Y/N 62
8 H Note number Primary key identifier for each note. This field must be populated. A/N 34   63
9 I 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 97
10 J 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 cons N 15 9(12).99 112
11 K Original Amount The original amount of the note. N 15 9(12).99 127
12 L Origination Date Date the loan was originated. D 8 YYYYMMDD 142
13 M Last renewal date The date the note was last renewed. D 8 YYYYMMDD 150
14 N Maturity Date The date when full payment on the note is contractually due. D 8 YYYYMMDD 158
15 O Last extension date The date the note’s maturity was last extended. D 8 YYYYMMDD 166
16 P Number of renewals The number of times the note has been renewed. N 3 999 174
17 Q Number of extensions The number of times the note’s maturity date has been extended. N 3 999 177
18 R Note purpose Description of what the proceeds will be used for. A/N 40   180
19 S 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   220
20 T Interest Rate The contractual rate of interest currently applied to this note. N 7 0.999999 230
21 U Interest Rate Index Interest rate base index used when the note’s rate varies with an index. A/N 20   237
22 V 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 inde N 7 9.99999 257
23 W 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).99 264
24 X 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   279
25 Y Borrower’s rating date Date the most recent internal rating was assigned to the borrower. D 8 YYYYMMDD 284
26 Z Note risk rating Bank’s internal risk rating of the note’s total outstanding balance. A/N 20   292
27 AA Note balance rated pass Dollar amount of funded debt on the note rated pass by the bank. N 15 9(12).99 312
28 AB 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).99 327
29 AC Note balance rated substandard Dollar amount of funded debt on the note rated the equivalent of substandard by the bank. N 15 9(12).99 342
30 AD Note balance rated doubtful Dollar amount of funded debt on the note rated the equivalent of doubtful by the bank. N 15 9(12).99 357
31 AE Charge off amount Amount of principal charged off this note. N 15 9(12).99 372
32 AF 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).99 387
33 AG Shared National Credit Indicator if this note has been identified as qualifying for the SNC program. L 1 Y/N 402
34 AH 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 403
35 AI Interest paid-to date The date to which interest payments are current. D 8 YYYYMMDD 408
36 AJ Nonaccrual Indicator if the note has been placed on nonaccrual. L 1 Y/N 416
37 AK Times Past Due 30-59 Number of times the note has been past due 30 - 59 days since the origination date. N 3 999 417
38 AL Times Past Due 60-89 Number of times the note has been past due 60 - 89 days since the origination date. N 3 999 420
39 AM Times Past Due 90+ Number of times the note has been past due 90 days or more since the origination date. N 3 999 423
40 AN 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   426
41 AO 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   446
42 AP 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 456
43 AQ Amount Sold The current balance of the amount sold. N 15 9(12).99 457
44 AR Participation Sold Original Amount The original amount of this note that was sold. N 15 9(12).99 472
45 AS Collateral description The narrative description of the collateral. A/N 50   487
46 AT Loan for sale Indicator that the note is accounted for under the held-for-sale category. L 1 Y/N 537
47 AU 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 538
48 AV Payment frequency How often payments are contractually required (monthly quarterly annually bullet etc.). A/N 10   546
49 AW Variable Rate Indicator if note’s interest rate is adjustable floating or variable. L 1 Y/N 556
50 AZ Periodic Interest Rate Cap The maximum change allowed to the interest rate at each re-pricing opportunity. N 7 0.999999 557
51 AY 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 564
52 AZ Lifetime Interest Rate Cap The maximum rate the note can reach over its contractual term. N 7 0.999999 568
53 BA Lifetime Interest Rate Floor The minimum rate the note can reach over its contractual term. N 7 0.999999 575
54 BB Next reset/reprice date Next reset date for variable or adjustable rate loans. D 8 YYYYMMDD 582
55 BC Troubled Debt Restructured Indicator if the note is considered to be a troubled debt restructure. L 1 Y/N 590
56 BD 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 591
57 BE Payment amount Amount of regularly scheduled payment. N 15 9(12).99 592
58 BF Last Payment Date Date the last payment was made. D 8 YYYYMMDD 607
59 BG Capitalized Interest The amount of interest added to the note’s principal balance. N 15 9(12).99 615
60 BH Number of payments in contract The contractual number of payments required by the note. N 3 999 630
61 BI Collateral Value The dollar value the bank ascribes to all collateral securing this note. N 15 9(12).99 633
62 BJ Collateral Valuation/Appraisal Date Date collateral was last appraised or valued. D 8 YYYYMMDD 648
63 BK Lien Status The priority lien held by this bank (e.g. 1st lien 2nd lien etc.). A/N 20   656
64 BL Block Numbering Area or Census Tract Block Numbering Area or census tract where the collateral is located. A/N 6   676
65 BM MSA Code The Metropolitan Statistical Area where the collateral is located. A/N 6   682
66 BN Dealer Code The code identifying loans accepted from auto mobile home or other sales agents. A/N 20   688
67 BO Dealer Reserve Balance The dealer reserve against this note. N 15 9(12).99 708
68 BP 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).99 723
69 BQ Late Charges Late charges currently due and unpaid. N 15 9(12).99 738
70 BR 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 753
71 BS Balloon Date Loan's balloon date if applicable, blank if not D 8 YYYYMMDD 754

 

Last updated: Monday, March 24, 2008 @ 12:16 p.m.
Olson Research Associates, Inc. - info@olsonresearch.com - 410-290-6999