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PRODUCT PROFITABILITY REPORT

Division: LENDING

Business Unit: SECONDARY MARKET SERVICES

Product: LOAN SALES


Revenue (in thousands) Sensitivity (%)


1 Interest Income -1,071.079 185.75
2 Loan Fees 0.000 0.00
3 Interest Income and Loan Fees -1,071.079 185.75
4 Loan-loss Provision 0.000 0.00
5 Interest Expenses 0.000 0.00
6 Fee Income 494.459 -85.75
7 Spread and Revenue -576.620 100.00
8 Total Net Revenue -576.620 100.00

Direct Operating Costs

9 Purchased Materials and Services 34.516 -5.98
10 Personnel Expenses 50.586 -8.77
11 Net Occupancy and Equipment Expenses 52.614 -9.12
12 Depreciation 3.600 -0.62
13 Profit Contribution -717.936 124.50

Discretionary Costs

14 Product Development Expenses 1.710 -0.29
15 Marketing Expenses 5.264 -0.91

Indirect Expenses

16 Functional Overhead 116.652 -20.23
17 Corporate Overhead 48.145 -8.34

Performance

18 Pretax Profit -889.709 154.29
19 Assets Employed 0.000 0.00
20 Capital Employed 15.000 0.00
21 Pretax ROA 0.000 0.00
22 Pretax ROC -5,931.399 0.00
23 Pretax ROR 154.297 0.00
24 Funds Generated 0.000 0.00
25 Breakeven Revenue 190.580 0.00
26 Activity or Volume Count 500.000 0.00
27 Net Revenue per Activity -1.153 0.00
28 Expenses per Activity 0.529 0.00
























s OP


PRODUCT PROFITABILITY REPORT

Division: LENDING

Business Unit: SECONDARY MARKET SERVICES

Product: MORTGAGE SERVICING


Revenue (in thousands) Sensitivity (%)


1 Interest Income 0.000 0.00
2 Loan Fees 0.000 0.00
3 Interest Income and Loan Fees 0.000 0.00
4 Loan-loss Provision 0.000 0.00
5 Interest Expenses 0.000 0.00
6 Fee Income 846.839 100.00
7 Spread and Revenue 846.839 100.00
8 Total Net Revenue 846.839 100.00

Direct Operating Costs

9 Purchased Materials and Services 0.000 0.00
10 Personnel Expenses 50.586 5.97
11 Net Occupancy and Equipment Expenses 52.614 6.21
12 Depreciation 3.600 0.42
13 Profit Contribution 740.038 87.38

Discretionary Costs

14 Product Development Expenses 1.835 0.21
15 Marketing Expenses 3.978 0.46

Indirect Expenses

16 Functional Overhead 88.160 10.41
17 Corporate Overhead 36.386 4.29

Performance

18 Pretax Profit 609.677 71.99
19 Assets Employed 0.000 0.00
20 Capital Employed 100.000 0.00
21 Pretax ROA 0.000 0.00
22 Pretax ROC 609.677 0.00
23 Pretax ROR 71.994 0.00
24 Funds Generated 0.000 0.00
25 Breakeven Revenue 193.659 0.00
26 Activity or Volume Count 40,000.000 0.00
27 Net Revenue per Activity 0.021 0.00
28 Expenses per Activity 0.005 0.00
























g OP


PRODUCT PROFITABILITY REPORT

Division: LENDING

Business Unit: RESIDENTIAL R/E

Product: FIXED RATE LOANS


Revenue (in thousands) Sensitivity (%)


1 Interest Income 18,145.852 239.55
2 Loan Fees 261.025 3.44
3 Interest Income and Loan Fees 18,406.877 243.00
4 Loan-loss Provision 155.806 2.05
5 Interest Expenses 10,800.000 142.57
6 Fee Income -32.053 -0.42
7 Spread and Revenue 7,574.824 100.00
8 Total Net Revenue 7,419.018 97.94

Direct Operating Costs

9 Purchased Materials and Services 17.272 0.22
10 Personnel Expenses 261.578 3.45
11 Net Occupancy and Equipment Expenses 52.614 0.69
12 Depreciation 18.600 0.24
13 Profit Contribution 7,068.953 93.32

Discretionary Costs

14 Product Development Expenses 4.236 0.05
15 Marketing Expenses 13.040 0.17

Indirect Expenses

16 Functional Overhead 288.968 3.81
17 Corporate Overhead 119.265 1.57

Performance

18 Pretax Profit 6,643.442 87.70
19 Assets Employed 150,000.000 0.00
20 Capital Employed 12,000.000 0.00
21 Pretax ROA 4.428 0.00
22 Pretax ROC 55.362 0.00
23 Pretax ROR 87.704 0.00
24 Funds Generated 0.000 0.00
25 Breakeven Revenue 1,236.827 0.00
26 Activity or Volume Count 1,300.000 0.00
27 Net Revenue per Activity 5.706 0.00
28 Expenses per Activity 0.504 0.00
























l OP


PRODUCT PROFITABILITY REPORT

Division: LENDING

Business Unit: RESIDENTIAL R/E

Product: ADJUSTABLE RATE LOANS


Revenue (in thousands) Sensitivity (%)


1 Interest Income 2,309.134 207.41
2 Loan Fees 161.153 14.47
3 Interest Income and Loan Fees 2,470.288 221.89
4 Loan-loss Provision 155.806 13.99
5 Interest Expenses 1,337.035 120.09
6 Fee Income -19.980 -1.79
7 Spread and Revenue 1,113.272 100.00
8 Total Net Revenue 957.466 86.00

Direct Operating Costs

9 Purchased Materials and Services 12.108 1.08
10 Personnel Expenses 216.613 19.45
11 Net Occupancy and Equipment Expenses 52.614 4.72
12 Depreciation 15.400 1.38
13 Profit Contribution 660.729 59.35

Discretionary Costs

14 Product Development Expenses 3.590 0.32
15 Marketing Expenses 11.053 0.99

Indirect Expenses

16 Functional Overhead 244.947 22.00
17 Corporate Overhead 101.096 9.08

Performance

18 Pretax Profit 300.041 26.95
19 Assets Employed 18,000.000 0.00
20 Capital Employed 1,000.000 0.00
21 Pretax ROA 1.666 0.00
22 Pretax ROC 30.004 0.00
23 Pretax ROR 26.951 0.00
24 Funds Generated 0.000 0.00
25 Breakeven Revenue 1,420.769 0.00
26 Activity or Volume Count 700.000 0.00
27 Net Revenue per Activity 1.367 0.00
28 Expenses per Activity 0.794 0.00
























m OP


PRODUCT PROFITABILITY REPORT

Division: LENDING

Business Unit: RESIDENTIAL R/E

Product: EQUITY LINES OF CREDIT


Revenue (in thousands) Sensitivity (%)


1 Interest Income 1,441.390 246.60
2 Loan Fees 4.841 0.82
3 Interest Income and Loan Fees 1,446.231 247.43
4 Loan-loss Provision 56.090 9.59
5 Interest Expenses 864.000 147.82
6 Fee Income 2.250 0.38
7 Spread and Revenue 584.481 100.00
8 Total Net Revenue 528.391 90.40

Direct Operating Costs

9 Purchased Materials and Services 2.845 0.48
10 Personnel Expenses 160.406 27.44
11 Net Occupancy and Equipment Expenses 52.614 9.00
12 Depreciation 11.400 1.95
13 Profit Contribution 301.125 51.52

Discretionary Costs

14 Product Development Expenses 4.180 0.71
15 Marketing Expenses 8.465 1.44

Indirect Expenses

16 Functional Overhead 187.601 32.09
17 Corporate Overhead 77.428 13.24

Performance

18 Pretax Profit 23.449 4.01
19 Assets Employed 12,000.000 0.00
20 Capital Employed 350.000 0.00
21 Pretax ROA 0.195 0.00
22 Pretax ROC 6.699 0.00
23 Pretax ROR 4.011 0.00
24 Funds Generated 0.000 0.00
25 Breakeven Revenue 1,352.123 0.00
26 Activity or Volume Count 4,000.000 0.00
27 Net Revenue per Activity 0.132 0.00
28 Expenses per Activity 0.106 0.00
























` OP


PRODUCT PROFITABILITY REPORT

Division: LENDING

Business Unit: CONSUMER LOANS

Product: AUTO LOANS


Revenue (in thousands) Sensitivity (%)


1 Interest Income 598.447 240.25
2 Loan Fees 10.641 4.27
3 Interest Income and Loan Fees 609.088 244.52
4 Loan-loss Provision 56.090 22.51
5 Interest Expenses 360.000 144.52
6 Fee Income 0.000 0.00
7 Spread and Revenue 249.088 100.00
8 Total Net Revenue 192.998 77.48

Direct Operating Costs

9 Purchased Materials and Services 2.845 1.14
10 Personnel Expenses 166.026 66.65
11 Net Occupancy and Equipment Expenses 52.614 21.12
12 Depreciation 11.800 4.73
13 Profit Contribution -40.288 -16.17

Discretionary Costs

14 Product Development Expenses 2.823 1.13
15 Marketing Expenses 8.690 3.48

Indirect Expenses

16 Functional Overhead 192.571 77.31
17 Corporate Overhead 79.479 31.90

Performance

18 Pretax Profit -323.852 -130.01
19 Assets Employed 5,000.000 0.00
20 Capital Employed 500.000 0.00
21 Pretax ROA -6.477 0.00
22 Pretax ROC -64.770 0.00
23 Pretax ROR -130.015 0.00
24 Funds Generated 0.000 0.00
25 Breakeven Revenue 16,248.404 0.00
26 Activity or Volume Count 500.000 0.00
27 Net Revenue per Activity 0.385 0.00
28 Expenses per Activity 0.874 0.00
























h OP


PRODUCT PROFITABILITY REPORT

Division: LENDING

Business Unit: CONSUMER LOANS

Product: PERSONAL-UNSECURED


Revenue (in thousands) Sensitivity (%)


1 Interest Income 191.503 328.84
2 Loan Fees 10.731 18.42
3 Interest Income and Loan Fees 202.234 347.27
4 Loan-loss Provision 56.090 96.31
5 Interest Expenses 144.000 247.27
6 Fee Income 0.000 0.00
7 Spread and Revenue 58.234 100.00
8 Total Net Revenue 2.144 3.68

Direct Operating Costs

9 Purchased Materials and Services 2.845 4.88
10 Personnel Expenses 163.000 279.90
11 Net Occupancy and Equipment Expenses 52.614 90.34
12 Depreciation 11.600 19.91
13 Profit Contribution -227.916 -391.37

Discretionary Costs

14 Product Development Expenses 2.784 4.78
15 Marketing Expenses 8.569 14.71

Indirect Expenses

16 Functional Overhead 189.908 326.10
17 Corporate Overhead 78.380 134.59

Performance

18 Pretax Profit -507.558 -871.57
19 Assets Employed 2,000.000 0.00
20 Capital Employed 205.000 0.00
21 Pretax ROA -25.377 0.00
22 Pretax ROC -247.589 0.00
23 Pretax ROR -871.579 0.00
24 Funds Generated 0.000 0.00
25 Breakeven Revenue -384.126 0.00
26 Activity or Volume Count 2,000.000 0.00
27 Net Revenue per Activity 0.001 0.00
28 Expenses per Activity 0.215 0.00
























f OP


PRODUCT PROFITABILITY REPORT

Division: LENDING

Business Unit: CONSUMER LOANS

Product: PERSONAL-SECURED


Revenue (in thousands) Sensitivity (%)


1 Interest Income 379.702 306.04
2 Loan Fees 10.765 8.67
3 Interest Income and Loan Fees 390.467 314.72
4 Loan-loss Provision 56.090 45.20
5 Interest Expenses 266.400 214.72
6 Fee Income 0.000 0.00
7 Spread and Revenue 124.067 100.00
8 Total Net Revenue 67.977 54.79

Direct Operating Costs

9 Purchased Materials and Services 2.439 1.96
10 Personnel Expenses 70.474 56.80
11 Net Occupancy and Equipment Expenses 52.614 42.40
12 Depreciation 5.000 4.03
13 Profit Contribution -62.551 -50.41

Discretionary Costs

14 Product Development Expenses 1.579 1.27
15 Marketing Expenses 4.862 3.91

Indirect Expenses

16 Functional Overhead 107.747 86.84
17 Corporate Overhead 44.470 35.84

Performance

18 Pretax Profit -221.211 -178.29
19 Assets Employed 3,700.000 0.00
20 Capital Employed 185.000 0.00
21 Pretax ROA -5.978 0.00
22 Pretax ROC -119.573 0.00
23 Pretax ROR -178.299 0.00
24 Funds Generated 0.000 0.00
25 Breakeven Revenue -7,200.525 0.00
26 Activity or Volume Count 1,000.000 0.00
27 Net Revenue per Activity 0.067 0.00
28 Expenses per Activity 0.244 0.00
























b OP


PRODUCT PROFITABILITY REPORT

Division: LENDING

Business Unit: COMMERCIAL LOANS

Product: TERM LOANS


Revenue (in thousands) Sensitivity (%)


1 Interest Income 319.710 295.10
2 Loan Fees 4.628 4.27
3 Interest Income and Loan Fees 324.338 299.37
4 Loan-loss Provision 56.090 51.77
5 Interest Expenses 216.000 199.37
6 Fee Income 0.000 0.00
7 Spread and Revenue 108.338 100.00
8 Total Net Revenue 52.248 48.22

Direct Operating Costs

9 Purchased Materials and Services 1.219 1.12
10 Personnel Expenses 59.233 54.67
11 Net Occupancy and Equipment Expenses 52.614 48.56
12 Depreciation 4.200 3.87
13 Profit Contribution -65.019 -60.01

Discretionary Costs

14 Product Development Expenses 1.419 1.30
15 Marketing Expenses 4.368 4.03

Indirect Expenses

16 Functional Overhead 96.800 89.35
17 Corporate Overhead 39.952 36.87

Performance

18 Pretax Profit -207.560 -191.58
19 Assets Employed 3,000.000 0.00
20 Capital Employed 180.000 0.00
21 Pretax ROA -6.918 0.00
22 Pretax ROC -115.311 0.00
23 Pretax ROR -191.585 0.00
24 Funds Generated 0.000 0.00
25 Breakeven Revenue -4,486.882 0.00
26 Activity or Volume Count 40.000 0.00
27 Net Revenue per Activity 1.306 0.00
28 Expenses per Activity 5.496 0.00
























m OP


PRODUCT PROFITABILITY REPORT

Division: LENDING

Business Unit: COMMERCIAL LOANS

Product: WORKING CAPITAL LOANS


Revenue (in thousands) Sensitivity (%)


1 Interest Income 77.476 199.49
2 Loan Fees 4.560 11.74
3 Interest Income and Loan Fees 82.037 211.23
4 Loan-loss Provision 31.161 80.23
5 Interest Expenses 43.200 111.23
6 Fee Income 0.000 0.00
7 Spread and Revenue 38.837 100.00
8 Total Net Revenue 7.675 19.76

Direct Operating Costs

9 Purchased Materials and Services 2.032 5.23
10 Personnel Expenses 59.233 152.51
11 Net Occupancy and Equipment Expenses 52.614 135.47
12 Depreciation 4.200 10.81
13 Profit Contribution -110.404 -284.27

Discretionary Costs

14 Product Development Expenses 1.428 3.67
15 Marketing Expenses 4.398 11.32

Indirect Expenses

16 Functional Overhead 97.472 250.97
17 Corporate Overhead 40.229 103.58

Performance

18 Pretax Profit -253.933 -653.84
19 Assets Employed 600.000 0.00
20 Capital Employed 35.000 0.00
21 Pretax ROA -42.322 0.00
22 Pretax ROC -725.524 0.00
23 Pretax ROR -653.842 0.00
24 Funds Generated 0.000 0.00
25 Breakeven Revenue -268.565 0.00
26 Activity or Volume Count 45.000 0.00
27 Net Revenue per Activity 0.170 0.00
28 Expenses per Activity 4.919 0.00
























} OP


PRODUCT PROFITABILITY REPORT

Division: DEPOSITORY SERVICES

Business Unit: BUSINESS CUSTOMERS

Product: COMMERCIAL TRANSACTIONS


Revenue (in thousands) Sensitivity (%)


1 Interest Income 864.000 100.00
2 Loan Fees 0.000 0.00
3 Interest Income and Loan Fees 864.000 100.00
4 Loan-loss Provision 0.000 0.00
5 Interest Expenses 0.000 0.00
6 Fee Income 0.000 0.00
7 Spread and Revenue 864.000 100.00
8 Total Net Revenue 864.000 100.00

Direct Operating Costs

9 Purchased Materials and Services 1.219 0.14
10 Personnel Expenses 126.681 14.66
11 Net Occupancy and Equipment Expenses 62.524 7.23
12 Depreciation 9.000 1.04
13 Profit Contribution 664.573 76.91

Discretionary Costs

14 Product Development Expenses 3.378 0.39
15 Marketing Expenses 7.428 0.85

Indirect Expenses

16 Functional Overhead 164.620 19.05
17 Corporate Overhead 67.943 7.86

Performance

18 Pretax Profit 421.202 48.75
19 Assets Employed 0.000 0.00
20 Capital Employed 400.000 0.00
21 Pretax ROA 0.000 0.00
22 Pretax ROC 105.300 0.00
23 Pretax ROR 48.750 0.00
24 Funds Generated 12,000.000 0.00
25 Breakeven Revenue 362.244 0.00
26 Activity or Volume Count 200.000 0.00
27 Net Revenue per Activity 4.320 0.00
28 Expenses per Activity 1.874 0.00
























t OP


PRODUCT PROFITABILITY REPORT

Division: DEPOSITORY SERVICES

Business Unit: MASS MARKET

Product: CONSUMER TRANSACTIONS


Revenue (in thousands) Sensitivity (%)


1 Interest Income 10,080.000 278.29
2 Loan Fees 0.000 0.00
3 Interest Income and Loan Fees 10,080.000 278.29
4 Loan-loss Provision 0.000 0.00
5 Interest Expenses 7,169.995 197.95
6 Fee Income 712.014 19.65
7 Spread and Revenue 3,622.019 100.00
8 Total Net Revenue 3,622.019 100.00

Direct Operating Costs

9 Purchased Materials and Services 30.905 0.85
10 Personnel Expenses 1,346.806 37.18
11 Net Occupancy and Equipment Expenses 396.560 10.94
12 Depreciation 95.800 2.64
13 Profit Contribution 1,751.946 48.36

Discretionary Costs

14 Product Development Expenses 37.566 1.03
15 Marketing Expenses 69.660 1.92

Indirect Expenses

16 Functional Overhead 1,543.689 42.61
17 Corporate Overhead 637.124 17.59

Performance

18 Pretax Profit -536.093 -14.80
19 Assets Employed 0.000 0.00
20 Capital Employed 3,000.000 0.00
21 Pretax ROA 0.000 0.00
22 Pretax ROC -17.869 0.00
23 Pretax ROR -14.800 0.00
24 Funds Generated 140,000.000 0.00
25 Breakeven Revenue 13,499.227 0.00
26 Activity or Volume Count 45,000.000 0.00
27 Net Revenue per Activity 0.080 0.00
28 Expenses per Activity 0.078 0.00

























c OP


PRODUCT PROFITABILITY REPORT

Division: DEPOSITORY SERVICES

Business Unit: MASS MARKET

Product: SBLI


Revenue (in thousands) Sensitivity (%)


1 Interest Income 0.000 0.00
2 Loan Fees 0.000 0.00
3 Interest Income and Loan Fees 0.000 0.00
4 Loan-loss Provision 0.000 0.00
5 Interest Expenses 0.000 0.00
6 Fee Income 0.015 100.00
7 Spread and Revenue 0.015 100.00
8 Total Net Revenue 0.015 100.00

Direct Operating Costs

9 Purchased Materials and Services 0.000 0.00
10 Personnel Expenses 81.716 544,775.74
11 Net Occupancy and Equipment Expenses 23.357 155,716.53
12 Depreciation 5.800 38,666.66
13 Profit Contribution -110.858 -739,058.94

Discretionary Costs

14 Product Development Expenses 1.341 8,944.79
15 Marketing Expenses 4.130 27,533.86

Indirect Expenses

16 Functional Overhead 91.523 610,153.72
17 Corporate Overhead 37.774 251,827.80

Performance

18 Pretax Profit -245.627 -1,637,519.13
19 Assets Employed 0.000 0.00
20 Capital Employed 3.000 0.00
21 Pretax ROA 0.000 0.00
22 Pretax ROC -8,187.595 0.00
23 Pretax ROR -1,637,519.137 0.00
24 Funds Generated 0.000 0.00
25 Breakeven Revenue -0.027 0.00
26 Activity or Volume Count 400.000 0.00
27 Net Revenue per Activity 0.000 0.00
28 Expenses per Activity 0.519 0.00
























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

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

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