Profit Statement Calculations - Loans
The Profit Statement section on the Relationship View page shows profit statement values for instruments in the current month.
Many data fields are included in the customer profitability income statement for loans.
The application arrives at the profit statement values that appear for a single instrument in the current month using specific data, sources, and formulas.
| Field | Data | Source | Formula |
|---|---|---|---|
| Interest Income (Balance) | Loan Interest Income Balance | Monthly Update | N/A |
| Interest Income (Rate) | Loan Interest Income Rate | Monthly Update or Calculated | When Calculated: (Int Inc Amt / DM) * (DY / Balance) |
| Interest Income (Amount) | Loan Interest Income Amount | Monthly Update or Calculated | When Calculated:((Int Inc Rate * Balance) / DY) * DM |
| Amortized Loan Fees (Amount) | Loan Amortized Fee Amount | Monthly Update | N/A |
| Funding Costs (Rate) | Loan Product FTP Rate | Assumptions/Settings | N/A |
| Funding Costs (Amount) | Loan Funding Cost Amount | Calculated | (FTP Rate * ((Balance / FTP DY) * FTP DM)) |
| Net Interest Margin (Rate) | Loan Net Interest Margin Rate | Calculated | (Net Interest Margin Amount '12) / Interest Income Balance |
| Net Interest Margin (Amount) | Loan Net Interest Margin Amount | Calculated | Loan Interest Income Amount + Loan Amortized Fee Amount - Loan Funding Cost Amount |
| Transactional Loan Fees (Amount) | Loan Transaction Fees Amount | Monthly Update | N/A |
| Loan Loss Provision (Rate) | Loan Loss Provision Rate | Assumptions/Settings | N/A |
| Loan Loss Provision (Amount) | Loan Loss Provision Amount | Calculated | Loan Loss Provision Rate ' Loan Balance / Actual DY'Actual DM |
| Gross Profit (Amount) | Loan Gross Profit Amount | Calculated | Loan Net Interest Margin Amount - Loan Loss Provision Amount |
| Direct Expenses (Amount) | Loan Direct Expenses Amount | Assumptions/Settings | N/A |
| Contribution (Amount) | Loan Contribution Amount | Calculated | Loan Gross Profit Amount - Loan Direct Expenses Amount |
| Overhead Expenses (Amount) | Loan Overhead Expenses Amount | Assumptions/Settings | N/A |
| Pretax Profit (Amount) | Loan Historical Pretax Profit Amount | Calculated | Loan Contribution Amount - Loan Overhead Expenses Amount |
| Tax Expenses (Rate) | Loan Tax Expenses Rate | Assumptions/Settings | N/A |
| Tax Expenses (Amount) | Loan Tax Expenses Amount | Calculated | Loan Historical Pretax Profit Amount * Loan Tax Expenses Rate / TOO |
| Profit (Amount) | Loan Historical Net Profit Amount | Calculated | Loan Historical Pretax Profit Amount * Loan Tax Expenses Rate / TOO |
| Capital Amount (Balance) | Loan Capital Amount Balance | Calculated | Loan Interest Income Balance * Loan Capital Amount Rate / 100 |
| Capital Amount (Rate) | Loan Capital Amount Rate | Assumptions/Settings | N/A |
| Cost of Capital (Rate) | Loan Cost Of Capital Rate | Assumptions/Settings | N/A |
| Cost of Capital (Amount) | Loan Cost Of Capital Amount | Calculated | Capital Amount Balance * Cost Of Capital Rate/ DY ' DM |
| Value Added (Amount) | Loan Value Added Amount | Calculated | Net Profit Amount - Cost Of Capital Amount |