Standard Category Descriptions
The following table contains descriptions for standard categories for scorecards.
| Standard Categories | Description | FPS Source | Database Fields | Filters |
|---|---|---|---|---|
| # New Accounts | This category is the count of year-to-date (YTD) new accounts based on open date. | Customer Profitability & Pricing (CPP) | Count (opened this year) | Officer & Product |
| Deposit Portfolio | This category is the Sum of the Deposit Balances + [(Sum of the Loan Balances * Annual Growth Rate) / 12] * (12 - Publish Date Month) = Achievement Value. | CPP | Deposit Balance | Organization & Officer & Product |
| Deposits Interest Rate | This category is the weighted-average deposit rate of a portfolio. | CPP | Interest Rate | Organization & Officer & Product |
| Fees | This category is the amount of fees for a set of accounts with the same officer ID or branch ID. | CPP | Fees | Organization & Officer & Product |
| Institution Financial Performance | This category is the annualized net income. | Forecasting and Financial Reporting (FFR) | Net Income | Organization |
| Institution Return on Assets (ROA) | This category is annualized net income/average assets. | FFR | Net Income/Average Assets | None |
| Institution Returns on Equity (ROE) | This category is annualized net income/equity. | FFR | Net Income/Average Equity | None |
| Loan Interest Rate | This category is the weighted-average loan rate of a portfolio. | CPP | Interest Rate | Organization & Officer & Product |
| Loan Portfolio | This category is the Sum of the Loan Balances + [(Sum of the Loan Balances * Annual Growth Rate) / 12] * (12 - Publish Date Month) = Achievement Value. | CPP | Loan Balance | Organization & Officer & Product |
| New Deposits | This category is the average balance of new deposit accounts originated during this period. | CPP | Average Balance (new this year) | Organization & Officer & Product |
| New Loans | This category is the average balance of new loan accounts originated during this period. | CPP | Average Balance (new this year) | Organization & Officer & Product |
| NIM $ | This category is the annualized net interest margin (NIM) based on all loans (Loan = Loan Rate - FTP Cost) and deposits (Deposit = FTP Credit - Interest Expense) expressed as a dollar amount. | CPP | Margin $ | Organization & Officer & Product |
| NIM % | This category is the NIM based on all loans (Loan = Loan Rate - FTP Cost) and deposits (Deposit = FTP Credit - Interest Expense) expressed as a weighted-average percentage rate. | CPP | Margin % | Organization & Officer & Product |
| Organization Financial Performance | This category is the annualized net income for a department. | FFR | Net Income | Organization |
| Portfolio Profit | This category is the annualized value of all accounts (loans, deposits, and services) tied to an officer ID. | CPP | Profit | Officer & Product |
| Product Profitability | This category is the annualized profitability of single or multiple products (Margin + Fees - Credit Cost - Expenses). | CPP | Profit | Product |
| Service Revenue | This category is the annualized amount of service fee revenue tied to an officer ID. | CPP | Profit | Organization & Officer & Product |
| Weighted Risk Rating | This category is the weighted-average risk rating for the loans in your portfolio. | CPP | Risk Rating | Organization & Officer & Product |
| YTD Charge-offs | This category is the dollar amount of charge-offs net of recoveries. | N/A | Manual | None |