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pdfFR Y-14Q: Instructions for US Bank and Charge Card Schedule
FR Y-14Q: Instructions for US Bank and Charge Card Schedule
This document provides general guidance and data definitions for the US Bank and Charge Card Schedule. This
schedule applies to loans reported on line 6.a of schedule HC-C of the FR Y-9C. For small and medium enterprise
(SME) and corporate cards or international cards, see the separate instructions and schedules.
For the first reporting period (September 2011), BHCs should report monthly portfolio-level data for the US bank and
charge card portfolio by segments from January 2007 to the first reporting period. For subsequent periods, the
reporting Bank Holding Company (BHC) is required to report data for the months within the reporting period. The
required segments are presented in Table A found below. Reporting BHCs should segment the credit card portfolio
by product type, vintage, geography, delinquency status, credit line, and refreshed FICO score or equivalent. More
information on each of these segments can be found in Section A below. Start each row of data with your BHC name
(SAS Variable: BHC_NAME), your RSSD ID number (SAS Variable: RSSD_ID), the reporting month (SAS Variable:
REPORTING_MONTH), and Portfolio ID (SAS Variable: PORTFOLIO_ID) (use USBankCard for Portfolio ID within this
schedule).
Table B below lists the summary variables that are to be reported for each portfolio segment. Definitions for each of
these variables can be found in Section B. Provide all dollar unit data in millions of dollars ($ Millions). BHCs should
use the SAS variable names and SAS data types provided on the table for the submission.
The US Bank Card Example Raw File Exhibit provides an example of the dataset to be submitted. Columns D to K of
this exhibit indicate the specific reported segments while the remaining columns contain the requested summary
variables. Rows 3 to 60 are for the following specific segment: bank card, originated in 2005 or earlier, in region 1, of
current status or 1 - 29 days past due, with a credit line <= $1,500, and a refreshed FICO Score or equivalent of <=
580. A new segment starts in row 61. This segment has the same characteristics as the prior segment except that it
covers a refreshed FICO Score or equivalent of 581 - 660. There are two product type segments, seven vintage
segments, six geographic segments, five delinquency status segments, three credit line segments, and five refreshed
FICO score or equivalent segments. This results in a dataset with 6,300 rows of data per reporting month (2 x 7 x 6 x 5
x 3 x 5 = 6,300). BHCs should submit all data files in SAS format (version 7 or higher) only. In the submission, BHCs
should include all segments that are not applicable (e.g., there are no loans or accounts in those segments) such that
the dataset always has 6,300 rows of data per reporting month. For the summary variables, assign a SAS Missing
Value (".") if information is not applicable or not available.
Reporting BHCs should provide a segment ID (SAS Variable Name: SEGMENT_ID; SAS Data Type: character) for each
reported segment. This segment ID should be a unique twelve digit identifier where each pair of the twelve digits
refers to a specific classification for each of the six segment categories. Refer to Table A for the attribute codes for
the six segment categories. For example, in the US Bank Card Example Raw File Exhibit, the first segment listed has
the segment ID 010101010101 because each of the attributes for this segment is in the primary position of the
attributes list in Table A. Starting with row 61, the second example segment has the segment ID 010101010102
because all of the attributes are the same as the prior segment except that it covers a refreshed FICO score or
equivalent of 581 - 660, which is listed in the second position of the attributes list in Table A. Do not drop leading
zeros.
For the requested segment-level summary variables, do not include charge-offs and recoveries in the calculation of
dollars or number of accounts for a given reporting month. The only exceptions to this rule are the following
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FR Y-14Q: Instructions for US Bank and Charge Card Schedule
summary variables: $ Gross Contractual Charge-offs, $ Bankruptcy Charge-offs, $ Recoveries and $ Net Contractual
Charge-offs. For these four variables, report the dollar amount of charge-offs or recoveries only for the month that
they occurred. For the delinquency status segment, categorize charge-offs or recoveries by delinquency status at
charge-off. A summation of charge-offs or recoveries across the delinquency buckets for a given reporting month
should thus result in the total charge-offs or recoveries recorded by the reporting institution in that month.
A. Segments
For each of the summary variables (to be described in further detail in Section B), information should be
reported for the following segments:
1. Product Type – BHCs should segment the portfolio into the following two product types:
a) Bank Card—Regular, general purpose credit cards that can be used at a wide variety of
merchants, including any which accept MasterCard, Visa, American Express or Discover
credit cards. Include affinity and co-brand cards in this category, oil and gas cards, and
student cards if applicable. This product type also includes private label or propriety
credit cards, which are tied to the retailer issuing the card and can only be used in that
retailer’s stores.
b) Charge Cards—Consumer credit cards for which the balance is repaid in full each billing
cycle.
2. Vintage – Vintage refers to the calendar year that the account was originated. There are seven
possible vintages to report:
a) 2005 and Before
b) 2006
c) 2007
d) 2008
e) 2009
f) 2010
g) 2011
3. Geography –Segment the portfolio into the following six geographical area designations. The
primary borrower’s current place of residence should be used to define the region.
a) Region 1: California, Nevada, Florida, Arizona, and US Territories (Puerto Rico, Virgin
Islands, Guam, etc.)
b) Region 2: Rhode Island, South Carolina, Oregon, Michigan, Indiana, Kentucky, Georgia,
Ohio, Illinois
c) Region 3: Washington DC, Mississippi, North Carolina, New Jersey, Tennessee, Missouri,
West Virginia, Connecticut, Idaho, Pennsylvania, Washington, Alabama
d) Region 4: Delaware, Massachusetts, New York, Colorado, New Mexico, Texas
e) Region 5: Alaska, Louisiana, Wisconsin, Arkansas, Maine, Maryland, Utah, Montana,
Minnesota, Oklahoma, Iowa, Virginia, Wyoming, Kansas, Hawaii
f) Region 6: Vermont, New Hampshire, Nebraska, South Dakota, North Dakota
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FR Y-14Q: Instructions for US Bank and Charge Card Schedule
4. Delinquency Status – Segment the portfolio into the following five delinquency statuses:
a) Current and 1 - 29 DPD: Accounts that are not past due (accruing and non-accruing) as of
month-end and accounts that are 1 to 29 days past due (accruing and non-accruing) as of
month-end.
b) 30 - 89 DPD: Accounts that are 30 to 89 days past due (accruing and non-accruing) as of
month-end.
c) 90 - 119 DPD: Accounts that are 90 to 119 days past due (accruing and non-accruing) as
of month-end.
d) 120 - 179 DPD: Accounts that are 120 to 179 days past due (accruing and non-accruing)
as of month-end.
e) 180+ DPD: Accounts that are 180 or more days past due (accruing and non-accruing) as
of month-end.
5. Credit Line – Segment the portfolio into the following three credit line segments. If necessary, round
any dollar values up to the next integer (e.g., $1,000.01 - $1,000.99 to $1,001).
a) <= $1,500
b) $1,501 - $7,500
c) > $7,500
6. Refreshed FICO Score or Equivalent – Segment the portfolio by refreshed FICO score or equivalent.
A refreshed FICO score is the most recent update to the score used for the original credit decision. If
internal credit scores or other bureau scores are used (as opposed to FICO), map the score to a FICO
equivalent. Segment the portfolio into the following five categories:
a) <= 580
b) > 580 and <= 660
c) > 660 and <= 720
d) > 720
e) N/A – Refreshed FICO or equivalent score is missing or unknown
B. Summary Variables
For each of the segments described above and for each reference month, report information on the
following summary variables:
1. # Accounts – Total number of accounts on the book for the segment as of month-end.
2. $ Receivables – Total receivables for accounts on the book for the segment as of month-end.
3. $ Unpaid Principal Balance – Total Unpaid Principal Balance (UPB) on the book for the segment as of
month-end. Unlike receivables, total UPB should be net of any interest and fees owed by the
borrower.
4. $ Commitments – The total dollar amount of credit lines on the book for the segment as of monthend. The internal automated limit (shadow limit) should be used when there is no contractual limit.
For frozen lines, the commitment amount should equal the UPB.
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FR Y-14Q: Instructions for US Bank and Charge Card Schedule
5. # New Accounts – The total number of new accounts originated (or purchased) in the given month
for the segment as of month-end.
6. $ New Commitments – The total dollar amount of new commitments on accounts originated (or
purchased) in the given month for the segment as of month-end. If unknown for some accounts due
to an acquisition or a merger, report the credit line at acquisition.
7. $ Gross Contractual Charge-offs – The total UPB for the segment that were contractually charged off
as of month-end. Report principal charge-offs only, not interest and fees. For the delinquency status
segment, categorize charge-offs by delinquency status at charge-off. Do not include bankruptcy
charge-offs in this calculation.
8. $ Bankruptcy Charge-offs – The total UPB for the segment that was charged off due to bankruptcy as
of month-end. Report principal charge-offs only, not interest and fees. For the delinquency status
segment, categorize charge-offs by delinquency status at charge-off.
9. $ Recoveries – The total dollar amount of any balance recovery collected during the month from
previously charged-off accounts for the segment as of month-end. For the delinquency status
segment, categorize recoveries by delinquency status at charge-off. BHCs should report recoveries as
a positive number.
10. $ O/S for 0% Utilization – The total receivables for accounts on the book for the segment as of
month-end that have 0% utilization. Utilization is defined as outstanding balance divided by total
credit line. Accounts with negative balances should be assigned 0% utilization.
11. $ O/S for Utilization > 0% and <= 35% – The total receivables for accounts on the book for the
segment as of month-end that have >0% utilization and <= 35% utilization.
12. $ O/S for Utilization > 35% and <= 80% – The total receivables for accounts on the book for the
segment as of month-end that have >35% utilization and <= 80% utilization.
13. $ O/S for Utilization > 80% – The total receivables for accounts on the book for the segment as of
month-end that have >80% utilization. For frozen lines, if the UPB exceeds zero, then the utilization is
100%.
14. $ O/S for Utilization N/A – The total receivables for accounts on the book for the segment as of
month-end that have an unknown or missing utilization rate.
15. # Accounts O/S for 0% Utilization – The total number of accounts on the book for the segment as of
month-end that have 0% utilization.
16. # Accounts for Utilization > 0% and <= 35% – The total number of accounts on the book for the
segment as of month-end that have >0% utilization and <= 35% utilization.
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FR Y-14Q: Instructions for US Bank and Charge Card Schedule
17. # Accounts for Utilization > 35% and <= 80% – The total number of accounts on the book for the
segment as of month-end that have >35% utilization and <= 80%.
18. # Accounts for Utilization > 80% – The total number of accounts on the book for the segment as of
month-end that have >80% utilization.
19. # Accounts for Utilization N/A – The total number of accounts on the book for the segment as of
month-end that have an unknown or missing utilization rate.
20. # Accounts Charged-off – The total number of accounts which experienced a charge-off (contractual
or bankruptcy) in the reference month. For the delinquency status segment, categorize charge-offs
by delinquency status at charge-off.
21. $ Net Charge-offs – The total UPB for the segment that was charged-off in the reference month, net
of any recoveries in the reference month. Report principal charge-offs only, not interest and fees.
Generally, $ Net Charge-offs should equal [$ Gross Contractual Charge-offs + $ Bankruptcy Chargeoffs — $ Recoveries].
22. Adjustment Factor to Reconcile $ Gross Contractual Charge-offs to $ Net Charge-offs – If it is not
the case that $ Net Charge-offs equals [$ Gross Contractual Charge-offs + $ Bankruptcy Charge-offs
— $ Recoveries], provide the value of $ Net Charge-offs minus [$ Gross Contractual Charge-offs + $
Bankruptcy Charge-offs — $ Recoveries] in this variable, and separately provide an explanation for
the difference. As a separate document included in the submission, provide an explanation for such a
difference (for example, fraud losses are also included in the reporting BHC’s $ Net Charge-offs
variable). If the adjustment factor variable represents more than one factor leading to the difference,
provide a separate breakout of the multiple factors.
23. $ O/S for Accounts That Were 30+ DPD in Last 24 Months – The total receivables for the segment as
of month-end that was 30 or more days past due at any given time in the past 24 months ending in
the reference month. Exclude charged-off accounts when making this calculation.
24. # Accounts That Were 30+ DPD in Last 24 Months – The total number of accounts for the segment
as of month-end that were 30 or more days past due at any given time in the past 24 months ending
in the reference month. Exclude charged-off accounts when making this calculation.
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FR Y‐14 Q: US Bank Cards and Charge Cards Schedule
Table A
Definition
Reference
Report Instruction A ‐ 1
Report Instruction A ‐ 2
Report Instruction A ‐ 3
Report Instruction A ‐ 4
Report Instruction A ‐ 5
Report Instruction A ‐ 6
Segments
Product Type
Vintage
Geography
Delinquency Status
Credit Line
Refreshed FICO or Equivalent
SAS Variable Names
Provide all Dollar Unit data in $ Millions.
Segment ID
SAS Data Types SAS Format
Position
PRODUCT_TYPE
VINTAGE
GEOGRAPHY
DLQ_STATUS
CREDIT_LINE
REF_FICO
Character
Character
Character
Character
Character
Character
char(35)
char(35)
char(35)
char(35)
char(35)
char(35)
SAS Variable Name
N_ACCT
D_RECEIVABLES
D_UNPD_PRIN_BALA
D_COMMITMENTS
N_NEW_ACCOUNTS
D_NEW_COMMITMENTS
D_GROSS_CONTRACTUAL_CO
D_BANKRUPTCY_CO
D_RECOVERIES
D_OS_0
D_OS_UTIL_L35
D_OS_UTIL_GE35_80
D_OS_UTIL_G80
D_OS_UTIL_NA
N_ACCT_UTIL_0
N_ACCT_UTIL_L35
N_ACCT_UTIL_GE35_80
N_ACCT_UTIL_G80
N_ACCT_UTIL_NA
N_ACCT_CO
D_NET_CO
SAS Data Type
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
SAS Format
16.
16.6
16.6
16.6
16.
16.6
16.6
16.6
16.6
16.6
16.6
16.6
16.6
16.6
16.
16.
16.
16.
16.
16.
16.6
D_ADJ_NET_CO
D_OS_ACCT_GE30_DPD_24M
N_ACCTS_GE30_DPD_24M
Numeric
Numeric
Numeric
16.6
16.6
16.
1 ‐ 2
3 ‐ 4
5 ‐ 6
7 ‐ 8
9 ‐ 10
11 ‐ 12
01
Bank Card
2005 and Before
Region 1
Current + 1 ‐ 29 DPD
<= $1,500
< = 580
Attribute ID within Segment ID Positions
02
03
04
05
06
07
Charge Card
2006
2007
2008
2009
2010
2011
Region 2
Region 3
Region 4
Region 5 Region 6
30 ‐ 89 DPD
90 ‐ 119 DPD 120 ‐ 179 DPD 180+ DPD
$1,501 ‐ $7,500 > $7,500
581 ‐ 660
661 ‐ 720
> 720
N/A
Table B
Definition
Reference
Report Instruction B ‐ 1
Report Instruction B ‐ 2
Report Instruction B ‐ 3
Report Instruction B ‐ 4
Report Instruction B ‐ 5
Report Instruction B ‐ 6
Report Instruction B ‐ 7
Report Instruction B ‐ 8
Report Instruction B ‐ 9
Report Instruction B ‐ 10
Report Instruction B ‐ 11
Report Instruction B ‐ 12
Report Instruction B ‐ 13
Report Instruction B ‐ 14
Report Instruction B ‐ 15
Report Instruction B ‐ 16
Report Instruction B ‐ 17
Report Instruction B ‐ 18
Report Instruction B ‐ 19
Report Instruction B ‐ 20
Report Instruction B ‐ 21
Report Instruction B ‐ 22
Report Instruction B ‐ 23
Report Instruction B ‐ 24
Summary Variables
# Accounts
$ Receivables
$ Unpaid Principal Balance
$ Commitments
# New Accounts
$ New Commitments
$ Gross Contractual Charge‐offs
$ Bankruptcy Charge‐offs
$ Recoveries
$ O/S for 0% utilization
$ O/S for Utilization > 0% and <= 35%
$ O/S for Utilization > 35% and <= 80%
$ O/S for Utilization > 80%
$ O/S for Utilization N/A
# Accounts for 0% Utilization
# Accounts for Utilization > 0% and <= 35%
# Accounts for Utilization > 35% and <= 80%
# Accounts for Utilization > 80%
# Accounts for Utilization N/A
# Accounts Charged‐off
$ Net Charge‐offs
Adjustment Factor to Reconcile $ Gross
Contractual Charge‐off to $ Net Charge‐offs
$ O/S for Accounts That Were 30+ DPD in Last 24 Months
# Accounts That Were 30+ DPD in Last 24 Months
US ‐ Geographic Regions
Region 1
CA, NV, FL, AZ, US Territories (PR, VI, GU, etc.)
Region 2
RI, SC, OR, MI, IN, KY, GA, OH, IL
Region 3
DC, MS, NC, NJ, TN, MO, WV, CT, ID, PA, WA, AL
Region 4
DE, MA, NY, CO, NM, TX
Region 5
AK, LA, WI, AR, ME, MD, UT, MT, MN, OK, IA, VA, WY, KS, HI
Region 6
VT, NH, NE, SD, ND
Refreshed FICO
< = 580
581 ‐ 660
661 ‐ 720
> 720
N/A
Refreshed FICO less than or equal to 580
Refreshed FICO between 581 and 660
Refreshed FICO between 661 and 720
Refreshed FICO greater than 720
Refreshed FICO missing
Credit Line
<= $1,500
$1,501 - $7,500
> $7,500
Accounts with Credit Line less than or equal to $1,500
Accounts with Credit Line between $1,501 and $7,500
Accounts with Credit Line greater than $7,500
US Bank Card Example Raw File Exhibit
A
B
C
1 FR Y‐14Q: US Bank Card Example Raw File
2 Business/Portfolio Identifier Data
3
BHC Name
BHC RSSD_ID #
Portfolio ID
D
E
F
G
H
I
J
K
L
Segments
Segment ID #
Product
Type
Vintage
Geography
Delinquency Status
Current
Credit Line
<= $1,500
Refreshed FICO or
Equivalent
Reporting Month
4 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
5 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Feb‐07
6 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Mar‐07
7 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Apr‐07
8 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
May‐07
9 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
10 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Jul‐07
11 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Aug‐07
12 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Sep‐07
13 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= 580
Oct‐07
14 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Nov‐07
15 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Dec‐07
16 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
17 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Feb‐08
18 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Mar‐08
<= $1,500
<= 580
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Apr‐08
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
May‐08
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
22 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Jul‐08
23 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Aug‐08
24 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Sep‐08
25 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Oct‐08
26 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Nov‐08
27 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Dec‐08
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
29 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Feb‐09
30 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Mar‐09
<= 580
Apr‐09
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
May‐09
33 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
34 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Jul‐09
35 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Aug‐09
36 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Sep‐09
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Oct‐09
38 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Nov‐09
39 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Dec‐09
<= $1,500
<= 580
41 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Feb‐10
42 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Mar‐10
43 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Apr‐10
44 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
May‐10
45 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Jul‐10
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Aug‐10
48 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Sep‐10
010101010101
Current + 1‐29 DPD
<= $1,500
<= 580
Oct‐10
50 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Nov‐10
51 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Dec‐10
52 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
53 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Feb‐11
54 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Mar‐11
55 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Apr‐11
56 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
May‐11
57 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
58 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Jul‐11
59 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Aug‐11
60 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Sep‐11
61 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
62 ABC
7654321 USBankCard
010101010102
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
581‐660
Jan‐07
63 ABC
7654321 USBankCard
010101010102
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
581‐660
Feb‐07
64 ABC
7654321 USBankCard
010101010102
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
581‐660
Mar‐07
65 ABC
7654321 USBankCard
010101010102
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
581‐660
Apr‐07
66 ABC
7654321 USBankCard
010101010102
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
581‐660
May‐07
67 ABC
7654321 USBankCard
010101010102
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
581‐660
Bank Card
2005 and Before
Region 1
V
W
# Accounts
$ Receivables
$ Unpaid
Principal
Balance
$ Commitments
# New
Accounts
$ New
Commitments
$ Gross
Contractual
Charge‐offs
$ Bankruptcy
Charge‐offs
$ Recoveries
$ O/S for 0%
utilization
$ O/S for
Utilization >
0% and <=
35%
$ O/S for
Utilization >
35% and <=
80%
Jan‐11
Jun‐11
<= 580
Oct‐11
Jun‐07
68 ABC
7654321 USBankCard
010101010102
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
581‐660
Jul‐07
69 ABC
7654321 USBankCard
010101010102
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
581‐660
Aug‐07
70 ABC
7654321 USBankCard
010101010102
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
581‐660
Sep‐07
71 ABC
7654321 USBankCard
010101010102
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
581‐660
72 ABC
7654321 USBankCard
010101010102
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
581‐660
…
…
…
…
…
73
U
Jun‐10
7654321 USBankCard
47 ABC
7654321 USBankCard
T
Jan‐10
46 ABC
49 ABC
S
Jun‐09
37 ABC
010101010101
R
Jan‐09
32 ABC
7654321 USBankCard
Q
Jun‐08
28 ABC
40 ABC
P
Jan‐08
21 ABC
010101010101
O
Jun‐07
20 ABC
7654321 USBankCard
N
Jan‐07
19 ABC
31 ABC
M
Summary Variables
Oct‐07
Nov‐07
…
…
…
…
…
…
…
US Bank Card Example Raw File Exhibit
A
B
C
1 FR Y‐14Q: US Bank Card Example Raw File
2 Business/Portfolio Identifier Data
3
BHC Name
4 ABC
5 ABC
BHC RSSD_ID #
Portfolio ID
7654321 USBankCard
7654321 USBankCard
D
E
F
G
H
I
J
K
X
Segment ID #
010101010101
010101010101
Product
Type
Bank Card
Vintage
2005 and Before
Geography
Region 1
Delinquency Status
Current + 1‐29 DPD
Current
Credit Line
<= $1,500
Refreshed FICO or
Equivalent
Reporting Month
<= 580
Jan‐07
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Feb‐07
6 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Mar‐07
7 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Apr‐07
8 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
May‐07
9 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Jun‐07
10 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Jul‐07
11 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Aug‐07
12 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Sep‐07
13 ABC
7654321 USBankCard
<= 580
Oct‐07
14 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Nov‐07
15 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Dec‐07
16 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
17 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Feb‐08
18 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Mar‐08
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
Jan‐08
19 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Apr‐08
20 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
May‐08
21 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
22 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Jul‐08
23 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Aug‐08
24 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Sep‐08
25 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Oct‐08
26 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Nov‐08
27 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Dec‐08
28 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
29 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Feb‐09
30 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Mar‐09
31 ABC
Current + 1‐29 DPD
<= $1,500
<= 580
Apr‐09
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
May‐09
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
34 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Jul‐09
35 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Aug‐09
36 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Sep‐09
37 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Oct‐09
38 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Nov‐09
39 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Dec‐09
010101010101
Bank Card
Bank Card
2005 and Before
Region 1
Jan‐09
33 ABC
7654321 USBankCard
010101010101
Jun‐08
32 ABC
40 ABC
7654321 USBankCard
Jun‐09
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
41 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Feb‐10
42 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Mar‐10
43 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= 580
Apr‐10
44 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
May‐10
45 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
46 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Jul‐10
47 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Aug‐10
48 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Sep‐10
<= $1,500
Jan‐10
Jun‐10
49 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Oct‐10
50 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Nov‐10
51 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Dec‐10
52 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
53 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Feb‐11
54 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Mar‐11
55 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Apr‐11
56 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
May‐11
57 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Current + 1‐29 DPD
<= $1,500
<= 580
Jan‐11
Jun‐11
58 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Jul‐11
59 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Aug‐11
60 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
<= 580
Sep‐11
61 ABC
7654321 USBankCard
010101010101
Bank Card
2005 and Before
62 ABC
7654321 USBankCard
010101010102
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
581‐660
Jan‐07
63 ABC
7654321 USBankCard
010101010102
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
581‐660
Feb‐07
64 ABC
7654321 USBankCard
010101010102
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
581‐660
Mar‐07
65 ABC
7654321 USBankCard
010101010102
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
581‐660
Apr‐07
66 ABC
7654321 USBankCard
010101010102
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
581‐660
May‐07
67 ABC
7654321 USBankCard
010101010102
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
581‐660
68 ABC
7654321 USBankCard
010101010102
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
581‐660
Jul‐07
69 ABC
7654321 USBankCard
010101010102
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
581‐660
Aug‐07
70 ABC
7654321 USBankCard
010101010102
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
581‐660
Sep‐07
Region 1
Current + 1‐29 DPD
<= $1,500
<= $1,500
<= 580
71 ABC
7654321 USBankCard
010101010102
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
581‐660
72 ABC
7654321 USBankCard
010101010102
Bank Card
2005 and Before
Region 1
Current + 1‐29 DPD
<= $1,500
581‐660
…
…
…
…
…
73
Y
Z
AA
AB
AC
AD
AE
AF
AG
AH
Segments
Oct‐11
Jun‐07
Oct‐07
Nov‐07
…
$ O/S for
Utilization > $ O/S for Utilization
80%
N/A
# Accounts for
# Accounts for
# Accounts for
# Accounts for 0% Utilization > 0% and Utilization > 35% and
<= 80%
Utilization > 80%
<= 35%
utilization
# Accounts for
Utilization N/A
# Accounts Charged‐
Off
Adjustment Factor
to Reconcile $ Gross
Contractual Charge‐
$ O/S for Accounts
off to $ Net
$ Net Contractual Contractual Charge‐ That Were 30+ DPD
Charge‐offs
in Last 24 Months
offs
| File Type | application/pdf |
| File Modified | 2011-11-18 |
| File Created | 2011-11-18 |