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PORTFOLIO STATISTICS
Function 
To provide analysis of statistics and information related to loan data and loan activity.


Operating Instructions

Cutoff Date 
This date defaults to the current date but may be changed by selecting from the calendar. The cutoff date will determine which activity will be included in the report. Any recorded activity with an activity date beyond the cutoff date will not be included in the calculations.

Loan Number 
The screen will automatically default to include all loans found within the database. You may override the selection by either entering the loan # or selecting from the combo box. To narrow the selection to only one loan, enter or select from the combo box, the appropriate loan number in both the beginning field and the “to” field.

Selection Criteria 
Options for narrowing selection criteria include:

Fund

County

City

Status

Loan Officer

Loan Type

Borrower Type
The following instructions relate to limiting the search to specific Fund(s), and the same instructions apply to each of the potential criteria above.

If you do not wish to include all loans, click on the “funds” tab. All existing funds will be displayed for your selection. To select a fund, move the cursor to the fund to be included and click – it will then be highlighted, indicating loans with that fund are to be included on the report. If you wish to include more funds, hold down the Ctrl key and click on the additional fund to be included. If you select a fund by mistake, hold down the Ctrl key and click on the fund again – the highlighting will disappear, indicating it no longer is to be included in the selection criteria. Continue this process until you have narrowed the search to include only those loans you wish to review.

Interpreting the Portfolio Statistics Report
This report will compare statistics related to selection criteria to the entire portfolio. The column titled “Selected” relates to the specified selection criteria. “All Loans” reports information on every loan within the database, regardless of status or balance. The final column titled “Percentage” is produced by dividing the figures under “Selected” by the figures under “All Loans”.

Some of the data included in the report is gathered from the Loan Master files and the remainder is related to the activity recorded to each loan. Other information is simply the sum of all loans within the selected criteria and the total portfolio. An example of this would be the first line of the report “# of Loans”.

Loan Master data includes: 
  • Loan Type 
  • Status Code 
  • Fixed Assets / Working Capital 
  • Minority (non-white) Ethnicity 
  • Woman Owned Business (Gender) 
  • RLF Amount 
  • Public Funds 
  • Private Funds 
  • Owner Equity 
  • Total Loan Package 
  • Jobs Information 
  • Borrower Information 
 

Loan History data includes: 
  • Amounts Disbursed 
  • Loan Balance 
  • Principal Repaid 
  • Interest Paid 
 

Things You Should Know
  • This report may be produced as often as desired with no consequence to the database. 
  • The information related to loan activity (balance, principal repaid, etc.) are affected by the cutoff date. Activity recorded with an activity date beyond the cutoff date will not be included. However, information related to the Loan Master file (RLF Amount, jobs created, ethnicity, etc.) are reported as they appear in the Loan Master file at the time the report is created. 
  • If the selection criteria is narrowed for any option, it is important to select “Clear Selections” before beginning again. Another option for clearing selection criteria is to “Exit” the reports screen and then select “Portfolio Statistics” once again from the Report Menu. 
  • Once the report is displayed on-screen, it may be sent to a printer or exported to a file by clicking on the appropriate icon on the top task bar.