45 Neb. Admin. Code, ch. 3, § 005 - REQUIRED DATA LOANS
005.01 INSTALLMENT
LOANS
005.01A If any of the following accounts
are maintained in the computer records, they must be identified by a unique
code. A range of account numbers is not an acceptable method.
005.01A1 TYPE OF LOAN Designates the
classification of the loan according to legal definitions.
005.01A1a DIRECT LOANS TO BORROWERS Loans
governed by the Personal Loan statutes, Neb. Rev. Stat. §§
8-815 to
8-829, inclusive. (Installment
Loans)
005.01A1b INDIRECT LOANS -
PURCHASED PAPER Loans governed by the Installment Sales Act Chapter 3 (Dealer
Paper)
005.01A1c OTHER LOANS Loans
not governed by the Personal Loan statutes or the Installment Sales
Act
005.01A1d DIRECT LEASE PAPER
(IF MAINTAINED WITH INSTALLMENT LOANS)
005.01A1e INDIRECT LEASE PAPER (IF MAINTAINED
WITH INSTALLMENT LOANS)
005.01A2 LOAN CLASSIFICATIONS Minimum
classifications:
005.01A2a Loans to purchase
automobiles on installment basis.
005.01A2b Credit cards and related plans
005.01A2b1 Retail (charge account) credit
card plans
005.01A2b2 Check credit
and revolving credit plans
005.01A2c Loans to purchase retail consumer
goods on installment basis.
005.01A2c1 Mobile
homes (exclude travel trailers)
005.01A2c2 Other retail consumer goods
(exclude credit cards and related plans)
005.01A2d Loans to repair and modernize
residential property.
005.01A2e
Other installment loans for household, family, and other personal
expenditures.
005.01A3
IDENTIFICATION CODE - Designates the borrower on a loan.
005.01A3a DIRECTOR, OFFICER, OR EMPLOYEE OF
THE BANK A single code may be used to identify all three categories.
005.01A4 STATUS CODE - Designates
a unique feature of an account. These codes are not necessarily mutually
exclusive.
005.01A4a RECOURSE INDICATOR (WITH
OR WITHOUT)
005.01A4b REPURCHASE
INDICATOR (FULL OR LIMITED)
005.01A4c REPOSSESSED INDICATOR
005.01B Required Fields
of Data:
005.01B1 BORROWER NUMBER A number
assigned to a particular borrower. This number can be either common for all
indebtedness or common for all installment loan indebtedness.
005.01B2 LOAN NUMBER
005.01B3 NAME OF BORROWER(S) Short name is
acceptable.
005.01B4 ADDRESS OF
BORROWER Must include zip code.
005.01B5 LOAN OFFICER
005.01B6 DATE OF LOAN Date shown on the face
of the note.
005.01B7 AMOUNT
ADVANCED Principal amount of the loan; sometimes called proceeds, net amount
financed, or amount of loan. It may be disclosed to the borrower in a single
amount or disclosed as sale price less any down payment of cash or
goods.
005.01B8 TOTAL OF PAYMENTS
(TIME BALANCE) The sum of amount advanced, insurance premiums, official fees,
and the total finance charge.
005.01B9 AMOUNT FINANCED The sum of the
amount advanced, insurance premiums, and official fees.
005.01B10 FINANCE CHARGE (TIME PRICE
DIFFERENTIAL) The total time balance less amount advanced, insurance premiums,
and official fees.
005.01B11
ORIGINAL MATURITY DATE Date the current note was originally contracted to be
paid off.
005.01B12 DATE OF THE
FIRST PAYMENT Date the first payment is required from the borrower by
disclosure on the contract.
005.01B13 CURRENT MATURITY DATE Date the
current note is presently contracted to be paid off. If this date is the same
as the original maturity date, both fields will contain identical
data.
005.01B14 NUMBER OF
EXTENSIONS Number of months or days (where 30 days equal one month) that the
original maturity date has been extended.
005.01B15 EXTENSION CHARGES ASSESSED
Accumulated additional finance charges assessed when the maturity date of the
loan is extended. Extensions may affect the rebate on finance
charges.
005.01B16 EXTENSION
CHARGES PAID OR UNPAID Balance of extension charges assessed, either paid or
unpaid.
005.01B17 NUMBER OF TIMES
LATE (DELINQUENT) Method of determining delinquency is described by applicable
law.
005.01B18 LATE (DELINQUENT)
CHARGES ASSESSED Accumulated charges assessed to the obligor for late
payment.
005.01B19 LATE
(DELINQUENT) CHARGES PAID OR UNPAID Balance of late charges assessed, either
paid or unpaid.
005.01B20 NUMBER OF
TIMES REWRITTEN Number of times a new loan has been written to replace one or
more existing loans, regardless of whether any new money was involved.
Extension of maturity is not considered a rewritten note.
005.01B21 SCHEDULE OF PAYMENTS Include number
of regular payments, regular payment amount, number(s) of irregular payment(s),
and amount(s) of irregular payment(s).
005.01B22 NUMBER OF PAYMENTS MADE OR
REMAINING The total number of scheduled payments made or remaining, including
regular and irregular payments.
005.01B23 AMOUNT OF PAYMENTS MADE The total
amount of payments made which has reduced the time balance. This must not
include amounts for any unscheduled charges.
005.01B24 DATE OF LAST CUSTOMER PAYMENT MADE
Date the last dollar transaction was posted, not to include any unscheduled
charges.
005.01B25 AMOUNT OF LAST
PAYMENT Dollar amount of the last payment that does not include any unscheduled
charges.
005.01B26 DATE NEXT
PAYMENT IS DUE
005.01B27 UNPAID
BALANCE The sum of amount advanced, insurance premiums, official fees, and
total finance charges minus the amount of payments made.
005.01B28 INTEREST RATE Annual percentage
rate as disclosed in the contract in the form of xx.xxx%. This is the same as
the APR described in Regulation Z.
005.01B29 DESCRIPTION OF COLLATERAL/OR
COLLATERAL TYPE INDICATOR A descriptive identification of the collateral
pledged, or an indicator code for type of collateral.
005.01B30 DEALER NUMBER
005.01B31 PARTICIPATION INDICATOR (PURCHASED
OR SOLD) When a specific loan is a participation, it must have an
indicator.
005.01B32 PARTICIPATION
IDENTIFICATION NUMBER An identification of who the participation was purchased
from or sold to. A current list of codes assigned must be maintained at the
bank. A single code may be used to identify multiple entities.
005.01B33 GUARANTOR, ENDORSER, CO-SIGNERS
INDICATOR An indicator that specifies if the loan has a guarantor, endorser, or
co-signer.
005.01B34 MINIMUM
CHARGES The charge allowed by law. Minimum charges are allowed in lieu of
interest.
005.01B35 ATTORNEY FEES
AND COURT COSTS ACTUALLY EXPENDED Fees actually expended if allowed by
applicable statute and/or a court.
005.01B36 OFFICIAL FEES Actual fees paid to
official agencies for recordation of title or lien.
005.01B37 PAYOFF Amount necessary to retire
the debt, after deducting those fees that are subject to rebate.
005.01B38 INSURANCE PREMIUMS Insurance
premiums must be recorded separately as one of the following:
005.01B38a Credit Life Insurance
004.01B38b Accident and Health
Insurance
004.01B38c Other
Insurance: Any insurance other than Credit Life or A&H
005.01B39 FLOOR PLAN LOANS:
005.01B39a NAME OF DEALER
005.01B39b ADDRESS Must include zip
code.
005.01B39c DEALER
NUMBER
005.01B39d DATE OF TRUST
RECEIPT OR CHATTEL MORTGAGE Date of either document.
005.01B39e ORIGINAL AMOUNT OF ITEM
005.01B39f SERIAL NUMBERS
005.01B39g DESCRIPTION Year, model, make,
etc.
005.01B39h CURRENT
BALANCE
005.01B39i DATE INTEREST
PAID TO
005.01B39j PAST DUE
INTEREST INDICATOR
005.01B39k
AMORTIZATION PLANS OR INDICATOR AS TO METHOD OR PERCENTAGE
005.01B39l DATE OF LAST INSPECTION
005.02 REAL
ESTATE LOANS
005.02A If any of the following
accounts are maintained in the computer records, they must be identified by a
unique code. A range of account numbers is not an acceptable method.
005.02A1 TYPE OF LOAN - Designates the
classification of the loan according to legal definitions (FHA, VA,
conventional, construction, interim financing, etc.)
005.02A2 IDENTIFICATION CODE - Designates the
borrower on a loan.
005.02A2a DIRECTOR,
OFFICER, OR EMPLOYEE OF THE BANK A single code may be used to identify all
three categories.
005.02B Required Fields of Data:
005.02B1 BORROWER NUMBER A number assigned to
a particular borrower. This number can be either common for all indebtedness or
for all real estate loan indebtedness.
005.02B2 LOAN NUMBER
005.02B3 NAME OF BORROWER(S) Short name is
acceptable.
005.02B4 ADDRESS OF
MORTGAGED PROPERTY File must contain the address of the mortgaged property,
including zip code. This address may not necessarily be the mailing address of
the borrower.
005.02B5 LOAN OFFICER
CODE
005.02B6 ORIGINAL DATE Date on
the note and mortgage.
005.02B7
ORIGINAL AMOUNT Amount on the note and mortgage.
005.02B8 ORIGINAL COMMITMENT Original amount
of the loan approval.
005.02B9
UNADVANCED FUNDS
005.02B10 DATE OF
LAST DISBURSEMENT OF UNADVANCED FUNDS
005.02B11 AMOUNT OF LAST DISBURSEMENT OF
UNADVANCED FUNDS
005.02B12 SECURITY
TYPE Residential, multifamily, commercial, etc.
005.02B13 APPRAISED VALUATION The amount of
the latest appraisal conducted by an authorized agent of the bank. Any releases
of collateral should reduce the appraised valuation.
005.02B14 DATE OF APPRAISAL Date of the
latest valuation conducted by an authorized agent of the bank.
005.02B15 TERMS Information should be
sufficient to identify the re-payment schedule agreed to by the
parties.
005.02B16 FIRST PAYMENT
DUE Date indicated by the note which the borrower is to make the first payment
on the loan balance, for either interest or principal or any combination
thereof.
005.02B17 MATURITY
DATE
005.02B18 INTEREST RATE Rate
of interest currently being charged on the note. There must also be an
indicator if the note has a variable interest type rate.
005.02B19 CURRENT BALANCE Balance on which
interest is being calculated.
005.02B20 ESCROW BALANCE (IF
APPLICABLE)
005.02B21 PARTICIPATION
INDICATOR Indicates whether loan is purchased or sold.
005.02B22 PARTICIPATION BASIS Either
percentage or dollar amount.
005.02B23 PARTICIPANT IDENTIFICATION NUMBER
An identification of whom the participation was purchased from or sold to. A
current list of codes assigned should be maintained at the bank. A single code
may be used to identify multiple entities.
005.02B24 DATE PRINCIPAL PAID TO
005.02B25 DATE OF LAST CUSTOMER INITIATED
PAYMENT The date the last dollar transaction was posted, not to include any
unscheduled charges.
005.02B26
AMOUNT OF LAST CUSTOMER INITIATED PAYMENT The dollar amount of the last payment
that does not include any unscheduled charges.
005.02B27 DATE NEXT PAYMENT DUE
005.02B28 STATUS INDICATOR Open end, closed,
real estate in judgment, foreclosure, etc.
005.02B29 NUMBER OF TIMES LATE (DELINQUENT)
Delinquent policy is established by the bank.
005.02B30 LATE (DELINQUENT) CHARGES ASSESSED
The accumulated charges assessed for late payments.
005.02B31 LATE (DELINQUENT) CHARGES
PAID/UNPAID The balance of the late charges assessed either paid or
unpaid.
005.02B32 LIEN CLASS First,
second, etc.
005.02B33 GUARANTOR,
ENDORSER, COSIGNER INDICATOR
005.03 COMMERCIAL LOANS
005.03A If any of the following accounts are
maintained in the computer records, they must be identified by a unique code. A
range of account numbers is not an acceptable method.
005.03A1 TYPE OF LOAN - Designates the
classification of the loan according to legal definitions (demand, time, term,
etc.)
005.03A2 IDENTIFICATION CODE
- Designates the borrower on a loan. These codes are not necessarily mutually
exclusive.
005.03A3 DIRECTOR,
OFFICER, OR EMPLOYEE OF THE BANK A single code may be used to identify all
three categories.
005.03A4 LOAN
SECURED BY THE STOCK OF OTHER BANKS
005.03A5 LOANS TO THIS BANK'S AFFILIATES AND
LOANS SECURED BY THE STOCK OR OTHER OBLIGATIONS OF THIS BANK'S AFFILIATES.
005.04B Required Fields
of Data:
005.04B1 BORROWER NUMBER A number
assigned to a particular borrower. This number can be either common for all
indebtedness or common for all commercial loan indebtedness.
005.04B2 LOAN AND/OR NOTE NUMBER
005.04B3 NAME OF BORROWER(S) Short name is
acceptable.
005.04B4 ADDRESS OF
BORROWER Must include zip code.
005.04B5 COLLATERAL CODE A descriptive
identification of the collateral pledged or a code to indicate same.
005.04B6 GUARANTOR, ENDORSER, OR COSIGNER
INDICATOR
005.04B7 LOAN OFFICER
CODE
005.04B8 INTEREST RATE Actual
interest rate, or if interest is tied to prime, an indicator of same plus the
interest additive.
005.04B9 TERMS
Information must be sufficient to identify the re-payment schedule agreed to by
the parties.
005.04B10 ORIGINAL
DATE OF CURRENT LOAN The date the initial loan proceeds were disbursed and
interest began to accrue.
005.04B11
ORIGINAL AMOUNT OF CURRENT LOAN Amount of initial loan proceeds.
005.04B12 ORIGINAL DATE OF CURRENT NOTE Date
the current note was executed.
005.04B13 ORIGINAL AMOUNT OF CURRENT NOTE
Amount of current note proceeds.
005.04B14 DATE OF LAST RENEWAL D ate of last
renewal of the current note.
005.04B15 ORIGINAL MATURITY DATE The final
date on which the principal amount of the note becomes due and payable. If the
current maturity date is different, an additional field must be used.
005.04B16 DATE FIRST PAYMENT DUE (IF
APPLICABLE)
005.04B17 DATE NEXT
PAYMENT DUE (IF APPLICABLE)
005.04B18 AMOUNT OF NEXT PAYMENT DUE (IF
APPLICABLE)
005.04B19 DATE INTEREST
PAID TO Date interest on the obligation has been paid through.
005.04B20 DATE PRINCIPAL PAID TO Date
principal on the obligation has been paid through.
005.04B21 CURRENT BALANCE HERE The remaining
outstanding amount of the note after deduction for participations
sold.
005.04B22 GROSS LOAN BALANCE
Current balance here plus participations sold.
005.04B23 PAST DUE AMOUNT-INTEREST Amount of
interest currently past due.
005.04B24 PAST DUE AMOUNT-PRINCIPAL Amount of
principal currently past due.
005.04B25 NON-ACCRUAL INDICATOR An indicator
that the interest rate has been lowered or reduced to zero.
005.04B26 PARTICIPANT IDENTIFICATION NUMBER
(IF APPLICABLE)
005.04B27
PARTICIPANT CODE-PURCHASED OR SOLD (IF APPLICABLE)
005.04C Required Fields to be maintained
and/or totaled by borrower number.
005.04C1
LINE OR COMMITMENT INDICATOR Identifies the type of line or commitment
(advised, internal guideline, fee-paid, etc.)
005.04C2 TOTAL LINE OR COMMITMENT Total
approved contingent liability.
005.04C3 UNUSED PORTION Total amount of
unused commitment or line or credit.
005.04C4 FEE BASIS INDICATOR Type of fee
(None, percentage, or dollar amount)
005.04C5 DATE FEE PAID TO (IF
APPLICABLE)
005.04C6 HIGHEST NUMBER
OF CONSECUTIVE DAYS OUT OF DEBT IN THE LAST 12 MONTHS Accumulated on a previous
twelve month running total, or year-to-date plus total previous year.
005.04C7 HIGH AND LOW CREDIT IN LAST 12
MONTHS Accumulated on a previous twelve month running total, or year-to-date
plus total previous year.
005.04C8
RELATED BORROWERS (CONCENTRATION OF CREDIT) Borrower number of related
organizations or persons that have commercial loans. An organization or person
is defined as: closely allied interests, the repayment of whose obligations is
interdependent by reason of affiliated ownership or control. A current list of
codes assigned must be maintained at the bank. A single code may be used to
identify multiple entities.
005.04C9 CREDIT STATUS INDICATORS Loan
classification by
005.04C9a Internal loan
review, and
005.04C9b Examiner
review.
005.04C10 DATE
LAST REVIEWED BY BANK OR DATE LAST AUTHORIZED
005.04C11 DATE OF LAST CUSTOMER FINANCIAL
STATEMENT
005.04D The
following information must be available but may be maintained in a manual
system.
005.04D1 PARTICIPANT IDENTIFICATION
NUMBER
005.04D2 NAME OF
PARTICIPANT
005.04D3 ADDRESS OF
PARTICIPANT
005.04D4 BORROWER
NUMBER AND LOAN NUMBER OF LOAN PURCHASED OR SOLD
005.04D5 PARTICIPATION CODE (PURCHASED OR
SOLD)
005.04D6 PARTICIPATION TYPE
(RECOURSE, REPURCHASE, ETC.)
005.04D7 PARTICIPATION BASIS (PERCENT OR
DOLLAR AMOUNT)
005.04D8 AMOUNT OF
PARTICIPATION
005.04D9
PARTICIPATION INFORMATION must be maintained for all loan participations,
including 100% purchased or sold loans and for both bank and non-bank
participants.
005.04D10 DESCRIPTION
OF COLLATERAL
005.04D11 VALUE OF
COLLATERAL
005.04D12 DATE OF LAST
VALUATION
Notes
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No prior version found.