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pdfOCC Portfolio-Level Data Collection
PORTFOLIO LEVEL ELEMENTS
Field
No.
Field Name
OCC
(Y/N)
Description
Allowable Values
1
Month-End
Y
Identified the month that the portfolio
information is provided for.
e.g, 01/31/2009
2
Total Managed
Home Equity
Lines of Credit
Y
Include the amount of all outstanding
home equity lines of credit, bank owned
and securitized
e.g, 125000 for
$125,000.00
3
Total Managed
Home Equity
Loans
Y
Include the amount of all outstanding
home equity loans, bank owned and
securitized.
e.g, 125000 for
$125,000.00
4
Total Managed
Home Equity
portfolio
Y
Include the amount of all outstanding
home equity loans and lines of credit,
bank owned and securitized (total of 66
& 67)
5
Securitized
Loans and Lines
Y
Report the outstanding balance of all
loans and lines that have been securitized
6
Total
Outstanding
Line of Credit
Commitments
Y
Report the total commitments outstanding
for the entire managed line of credit
portfolio.
7
LLL Managed
Balance
Y
The LLL assigned to the managed home
equity portfolio at the end of the month;
include reserves maintained for
securitized assets, if any.
February 17th, 2010
Fidelity
Screen
Name
Use banker’s
rounding.
e.g, 125000 for
$125,000.00
e.g 125000 for
$125,000.00
e.g 125000 for
$125,000.00
e.g 125000 for
$125,000.00
Page 2
OCC Portfolio-Level Data Collection
Field
No.
Field Name
OCC
(Y/N)
Description
8
Total Managed
Outstanding
Loans coded
TDR
Y
Report the outstanding balance of all
home equity loans and lines of credit,
bank owned and securitized, on which
terms have been modified in a FAS 15
“troubled debt restructure”.
9
Total TDR
Reserve
Y
Report the amount of reserves assigned
at month end to the FAS 15 Troubled
Debt Restructured Loans
10
Report the estimated dollar amount of
losses for the next 12 months (rolling basis
each reporting month) for the entire
managed portfolio.
Allowable Values
e.g 125000 for
$125,000.00
e.g, 125000 for
$125,000.00
Use banker’s
rounding.
Projected
Managed
Losses
Y
11
Managed Gross
Charge-offs for
the current
month
Y
Report the dollar amount of gross charge- e.g, 125000 for
offs recognized in the reporting month for $125,000.00
the entire managed portfolio.
Use banker’s
rounding.
12
Managed
Recoveries
Y
Report amounts recovered on home
equity loans and lines previously
charged-off for the entire managed
portfolio.
e.g, 125000 for
$125,000.00
Report the total amount of any writedowns, fee waivers or reversal of loan
interest and fees on the portfolio during
the reporting month. Interest and fee
reversals, waivers or write-downs can
include those charged against the
Allowance for Loan and Lease Losses
(ALLL), or a separate valuation reserve, or
reversed against current period income
during the reporting period.
e.g, 125000 for
$125,000.00
13
Interest and
Fees Chargeoff/Reversal
Amount
February 17th, 2010
Y
Fidelity
Screen
Name
e.g, 125000 for
$125,000.00
Use banker’s
rounding.
Use banker’s
rounding.
Use banker’s
rounding.
Page 3
OCC Portfolio-Level Data Collection
MONTHLY PORTFOLIO LEVEL INCOME STATEMENT
Field
No.
14
15
Field Name
Interest
Income
Interest
Expense
OCC
(Y/N)
Y
Y
Description
Allowable
Values
Report total interest accrued on home equity loans
for the month, less any interest waived or reversed
as uncollectible or any amount added to a contraasset account for uncollectible interest that the
bank maintains and reports separately from the
ALLL. Do not include fee income in this category.
e.g, 125000
for
$125,000.00
Total interest expense accrued for the month to
fund home equity loans.
e.g, 125000
for
$125,000.00
Fidelity
Screen
Name
Use banker’s
rounding.
Use banker’s
rounding.
16
Net Interest
Margin
Y
Interest income minus interest expense.
e.g, 125000
for
$125,000.00
Use banker’s
rounding.
February 17th, 2010
Page 4
OCC Portfolio-Level Data Collection
Field
No.
17
18
Field Name
Fee Income
Total Other
Income
OCC
(Y/N)
Y
Y
Description
Report total fees assessed on home equity accounts
during the month, less any fee waived or reversed
as uncollectible or any amount added to a contraasset account for uncollectible fees that the bank
maintains and reports separately from the ALLL.
Report the aggregate amount of the following
types of fees:
a.
Late Fee – report fee assessed for late or
nonpayment on account.
b.
Over limit Fee – report fee assessed for
account going over established credit limit.
c.
NSF Fees – fee assessed for payments
returned unpaid.
d.
Loan Processing Fees – report fees
assessed borrower for loan applications,
processing and origination. These include
application, appraisal, credit check, loan
set/up and documentation, recording,
subordination, title fees, etc.
e.
Payment Deferral/Waiver Fee – report
fee assessed to defer or waive payment
on the loan.
f.
Prepayment Penalty Fee – report fee
assessed for paying the loan off early.
g.
Modification Fee – report fee assessed to
modify the terms of the home equity loan.
h.
Other Fees – report other fees assessed on
an account such as check printing, check
processing, non-usage, annual, convenience
checks, draws, etc.
Report all other income, not included in above
categories or in the extraordinary items category,
for home equity loans.
Allowable
Values
Fidelity
Screen
Name
e.g, 125000
for
$125,000.00
Use banker’s
rounding.
e.g, 125000
for
$125,000.00
Use banker’s
rounding.
February 17th, 2010
Page 5
OCC Portfolio-Level Data Collection
Field
No.
19
Field Name
Total Other
Expense
OCC
(Y/N)
Y
Description
Report the aggregate amount of the following
types of expenses:
a.
20
21
Net Chargeoffs and
Provision Build
or Release
Y
Extraordinary
Items
Y
February 17th, 2010
Marketing/Acquisition/Processing/Loan
Servicing/Administration of Home Equity
Loans – report cost incurred to acquire,
advertise, promote, collect payments,
obtain credit bureau data and any other
procedural costs related to home equity
lending.
b.
Collections – report cost incurred to collect
problem credits.
c.
Fraud – losses incurred as a result of
fraudulent activity.
d.
Debt Suspension/Cancellation Fee – report
fees collected for programs used to protect
consumer in event of a significant life event
like the loss of a job.
e.
All Other Expenses – report all other
expenses associated with home equity
operations not reported in above
categories.
a.
Net Charge-offs – loan losses taken during
the month (charge-offs minus recoveries).
b.
Provision Build/Release – additional
provision built up during the month.
Provision build equals: provision expense +
recoveries – charge-offs against the ALLL.
A release occurs if net charge-offs exceed
provision expense.
Report extraordinary items, which are categorized
as material and infrequent, such as gains and/or
losses on the sale or purchase of home equity
portfolios.
Allowable
Values
Fidelity
Screen
Name
e.g, 125000
for
$125,000.00
Use banker’s
rounding.
e.g, 125000
for
$125,000.00
Use banker’s
rounding.
e.g, 125000
for
$125,000.00
Use banker’s
rounding.
Page 6
OCC Portfolio-Level Data Collection
Field
No.
22
Field Name
Taxes
OCC
(Y/N)
Y
Description
Tax expense applicable to home equity income
Allowable
Values
Fidelity
Screen
Name
e.g, 125000
for
$125,000.00
Use banker’s
rounding.
23
Net Income
Y
Total revenues less total expenses
e.g, 125000
for
$125,000.00
Use banker’s
rounding.
February 17th, 2010
Page 7
| File Type | application/pdf |
| File Title | Microsoft Word - OCC Loss Mitigation Portfolio Data Collection - HomeEquity - 20100217.doc |
| Author | james.wilds |
| File Modified | 2015-06-19 |
| File Created | 2015-01-22 |