Category : Databases and related files
Archive   : LAYOUT3.ZIP
Filename : BUREPORT.CRD

 
Output of file : BUREPORT.CRD contained in archive : LAYOUT3.ZIP
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BUSINESS UNIT PROFITABILTY REPORT


Division: LENDING


Earnings Summary: SECONDARY MARKET SERVICES



Products (in thousands) Sensitivity (%)



1 LOAN SALES -576.620 -213.38
2 MORTGAGE SERVICING 846.839 313.38
3 Total Spread and Revenue 270.219 100.00
4 Loan-loss Provision 0.000 0.00
5 Total Net Revenue 270.219 100.00

Direct Expenses

6 Personnel Expenses 101.172 37.44
7 Other Direct Expenses 146.945 54.38
8 Discretionary Expenses 12.787 4.73
9 Total Direct Expenses 260.905 96.55
10 Profit Contribution 9.313 3.44

Indirect Expenses

11 Functional Overhead 204.813 75.79
12 Corporate Overhead 84.532 31.28

Performance

13 Pretax Income -280.032 -103.63
14 Pretax ROA 0.000 0.00
15 Pretax ROC -243.506 0.00
16 Pretax ROR -103.631 0.00




































3NP


BUSINESS UNIT PROFITABILTY REPORT


Division: LENDING


Earnings Summary: RESIDENTIAL R/E



Products (in thousands) Sensitivity (%)



1 FIXED RATE LOANS 7,574.824 81.69
2 ADJUSTABLE RATE LOANS 1,113.272 12.00
3 EQUITY LINES OF CREDIT 584.481 6.30
4 Total Spread and Revenue 9,272.578 100.00
5 Loan-loss Provision 367.702 3.96
6 Total Net Revenue 8,904.876 96.03

Direct Expenses

7 Personnel Expenses 638.598 6.88
8 Other Direct Expenses 235.470 2.53
9 Discretionary Expenses 44.566 0.48
10 Total Direct Expenses 918.635 9.90
11 Profit Contribution 7,986.241 86.12

Indirect Expenses

12 Functional Overhead 721.517 7.78
13 Corporate Overhead 297.790 3.21

Performance

14 Pretax Income 6,966.933 75.13
15 Pretax ROA 3.870 0.00
16 Pretax ROC 52.186 0.00
17 Pretax ROR 75.134 0.00



































2NP


BUSINESS UNIT PROFITABILTY REPORT


Division: LENDING


Earnings Summary: CONSUMER LOANS



Products (in thousands) Sensitivity (%)



1 AUTO LOANS 249.088 57.74
2 PERSONAL-UNSECURED 58.234 13.49
3 PERSONAL-SECURED 124.067 28.75
4 Total Spread and Revenue 431.389 100.00
5 Loan-loss Provision 168.270 39.00
6 Total Net Revenue 263.119 60.99

Direct Expenses

7 Personnel Expenses 399.502 92.60
8 Other Direct Expenses 194.373 45.05
9 Discretionary Expenses 29.308 6.79
10 Total Direct Expenses 623.184 144.45
11 Profit Contribution -360.065 -83.46

Indirect Expenses

12 Functional Overhead 490.226 113.63
13 Corporate Overhead 202.330 46.90

Performance

14 Pretax Income -1,052.622 -244.00
15 Pretax ROA -9.837 0.00
16 Pretax ROC -118.272 0.00
17 Pretax ROR -244.007 0.00



































ïNP


BUSINESS UNIT PROFITABILTY REPORT


Division: LENDING


Earnings Summary: COMMERCIAL LOANS



Products (in thousands) Sensitivity (%)



1 TERM LOANS 108.338 73.61
2 WORKING CAPITAL LOANS 38.837 26.38
3 Total Spread and Revenue 147.175 100.00
4 Loan-loss Provision 87.251 59.28
5 Total Net Revenue 59.924 40.71

Direct Expenses

6 Personnel Expenses 118.467 80.49
7 Other Direct Expenses 116.881 79.41
8 Discretionary Expenses 11.614 7.89
9 Total Direct Expenses 246.963 167.80
10 Profit Contribution -187.038 -127.08

Indirect Expenses

11 Functional Overhead 194.272 132.00
12 Corporate Overhead 80.181 54.48

Performance

13 Pretax Income -461.493 -313.56
14 Pretax ROA -12.819 0.00
15 Pretax ROC -214.648 0.00
16 Pretax ROR -313.567 0.00




































¸NP


BUSINESS UNIT PROFITABILTY REPORT


Division: DEPOSITORY SERVICES


Earnings Summary: BUSINESS CUSTOMERS



Products (in thousands) Sensitivity (%)



1 COMMERCIAL TRANSACTIONS 864.000 100.00
2 Total Spread and Revenue 864.000 100.00
3 Loan-loss Provision 0.000 0.00
4 Total Net Revenue 864.000 100.00

Direct Expenses

5 Personnel Expenses 126.681 14.66
6 Other Direct Expenses 72.744 8.41
7 Discretionary Expenses 10.807 1.25
8 Total Direct Expenses 210.233 24.33
9 Profit Contribution 653.766 75.66

Indirect Expenses

10 Functional Overhead 164.620 19.05
11 Corporate Overhead 67.943 7.86

Performance

12 Pretax Income 421.202 48.75
13 Pretax ROA 0.000 0.00
14 Pretax ROC 105.300 0.00
15 Pretax ROR 48.750 0.00





































öNP


BUSINESS UNIT PROFITABILTY REPORT


Division: DEPOSITORY SERVICES


Earnings Summary: MASS MARKET



Products (in thousands) Sensitivity (%)



1 CONSUMER TRANSACTIONS 3,622.019 99.99
2 SBLI 0.015 0.00
3 Total Spread and Revenue 3,622.034 100.00
4 Loan-loss Provision 0.000 0.00
5 Total Net Revenue 3,622.034 100.00

Direct Expenses

6 Personnel Expenses 1,428.523 39.43
7 Other Direct Expenses 552.423 15.25
8 Discretionary Expenses 112.698 3.11
9 Total Direct Expenses 2,093.644 57.80
10 Profit Contribution 1,528.389 42.19

Indirect Expenses

11 Functional Overhead 1,635.212 45.14
12 Corporate Overhead 674.898 18.63

Performance

13 Pretax Income -781.721 -21.58
14 Pretax ROA 0.000 0.00
15 Pretax ROC -26.031 0.00
16 Pretax ROR -21.582 0.00




































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  3 Responses to “Category : Databases and related files
Archive   : LAYOUT3.ZIP
Filename : BUREPORT.CRD

  1. Very nice! Thank you for this wonderful archive. I wonder why I found it only now. Long live the BBS file archives!

  2. This is so awesome! 😀 I’d be cool if you could download an entire archive of this at once, though.

  3. But one thing that puzzles me is the “mtswslnkmcjklsdlsbdmMICROSOFT” string. There is an article about it here. It is definitely worth a read: http://www.os2museum.com/wp/mtswslnk/