Docstoc

Cost Volume Profit Breakeven Analysis (Excel)

Document Sample
Cost Volume Profit Breakeven Analysis (Excel) Powered By Docstoc
					CHANNEL ANALYSIS
TIMEFRAME                                               YTD

YTD
ENTER LAST AVAILABLE MONTH (Y TD = 1)                          1

ANALYSIS WITH DIRECT COSTS ONLY
INCLUDE INDIRECT COSTS (NO = 0, Y ES = 1)                      0

ANALYSIS WITHOUT MARKETING GAINS
INCLUDE MARKETING GAINS (NO = 0, Y ES = 1)                     0

ANALYSIS WITHOUT NET INTEREST AND FLOAT
INCLUDE NET INTEREST AND FLOAT (NO = 0, Y ES = 1)              0


REGION                                               INTERNET         CENTRAL       CENTRAL       CENTRAL        CENTRAL     CENTRAL             CENTRAL        CENTRAL         CENTRAL         CENTRAL       CENTRAL         CENTRAL        CENTRAL           CENTRAL       CENTRAL     CENTRAL      CENTRAL    NATLANTIC                 NATLANTIC        NATLANTIC         NATLANTIC     NATLANTIC      NATLANTIC     NATLANTIC   SATLANTIC         SATLANTIC       SATLANTIC           SATLANTIC  SATLANTIC         SATLANTIC MIDSTATES        MIDSTATES       MIDSTATES MIDSTATES        MIDSTATES         MIDSTATES MIDSTATES          SOUTHWEST     WESTERN           WESTERN       WESTERN           WESTERN        WESTERN       WESTERN       WESTERN         SPANISH              NET               NET           NET            NET         NET             NET           NET           NET           NET           NET              NET        NET         NET               NET         NET               NET       PACIFIC         PACIFIC     PACIFIC        PACIFIC         PACIFIC       PACIFIC       PACIFIC          PACIFIC         PACIFIC     WHOLESALE WHOLESALE WHOLESALE WHOLESALE                            WHOLESALE WHOLESALE WHOLESALE                      WHOLESALE WHOLESALE WHOLESALE                    NONPRIME MAN. HOUSING
BRANCH NUMBER                                       04030-40-02     03500-30-02    03520-30-02   03200-30-02    03210-30-02 03220-30-02         03230-30-02   03240-30-02      03310-30-02     03245-30-02   03250-30-02     03300-30-02    03900-30-02      03550-30-02    03260-30-02 03262-30-02  03270-30-02 05100-50-02               05200-50-02      05300-50-02       05260-50-02   05120-50-02   05400-50-02    05270-50-02 02230-20-02       02280-20-02     02210-20-02        02215-20-02 02220-20-02       02250-20-02 06260-60-02    06150-60-02     06300-60-02 06500-60-02    06100-60-02       06040-60-02 06400-60-02       07100-70-02 08500-80-02       08420-80-02   08100-80-02      08120-80-02     08130-80-02   08150-80-02   08300-80-02    07710-77-02     04112-45-02      04918-45-02   04800-45-02     04400-45-02 04115-45-02     04420-45-02   04910-45-02   04520-45-02   04912-45-02   04820-45-02     04215-45-02 04275-45-02 04280-45-02       04415-45-02 04315-45-02       04815-45-02   04150-40-02     04510-40-02 04530-40-02    04795-40-02     04220-40-02   04230-40-02   04290-40-02      04300-40-02    04320-40-02      09900-90-09 09100-90-09  09600-90-09 09500-90-09                   09300-90-09 09200-90-09 09400-90-09                09150-90-09 09700-90-09 09800-90-09              *****-17-07 00797-17-06
PRODUCTION PERFORMANCE                               INTERNET      ARDEN HILLS    BURNSVILLE      FT. WAYNE    GREENWOOD     INDY EAST         INDY NORTH      INDY WEST      KALAMAZOO          KOKOMO      LAFAYETTE         LANSING        MADISON       MINNEAPOLIS    NEW CONST. NEW CONSTR. II SOUTHBEND COLUMBIA               FREDERICKSBURG        LANCASTER       RICHMOND-VA     ROCKVILLE     ROCKY HILL    SPRINGFIELD      CARY         CHESAPEAKE     GREENSBORO        NEWPORT NEWS     RALEIGH        WILMINGTON     ASHLAND        CHICAGO     CLOCKTOWER      DAYTON         DECATUR     DIRECT LENDING ST. LOUIS        BATON ROUGE     CORPUS            EL PASO         MESA      METRO PHOENIX     SCOTTSDALE       TUCSON         TULSA      NORTH LOOP     BAKERSFIELD     BATTLEGROUND     BEAVERTON     CASTLE ROCK     COVINA          DENVER        EVERETT        KAILUA       MT. LAKE     PORTLAND     RICHMOND-CA TEMECULA        VENTURA       WOODLAND PK.     YREKA          DAMASCUS          IRVINE      HONOLULU        MAUI          RENO       SACRAMENTO        SALINAS        VISALIA    WALNUT CREEK       YUBA CITY    INDIANAPOLIS      ATLANTA    ORLANDO      NEWARK                    ENGLEWOOD        DALLAS    HOUSTON                BATON ROUGE        AUSTIN  SAN DIEGO               NONPRIME MAN. HOUSING                           CENTRAL      NO. ATLANTIC     SO. ATLANTIC     MIDSTATES SOUTHWEST            WESTERN       SPANISH             NET       PACIFIC    ALL PACIFIC DIRECT LENDING            RETAIL    WHOLESALE CONSUMER LENDING
APPLICATIONS (DOLLARS) Y TD                           3,936,583      10,182,446    12,724,159      7,300,946     4,278,131   7,855,665          13,469,168      7,565,391       1,902,914      11,772,451     8,161,533       3,051,145      3,053,301        11,742,802    38,950,910    9,949,837    5,814,033  4,119,665                 3,660,346        4,463,989         3,657,063     8,082,982      7,075,251     3,878,624         -           6,215,652      20,145,804           5,750,606 26,469,724         8,584,189   3,203,460     29,136,049       3,404,516   7,906,613      3,210,997        34,475,237  13,251,117          1,577,000 11,753,578        12,959,566    22,622,378        19,878,189     35,911,887     3,599,381    14,085,064      7,231,717       6,854,118         2,799,904    18,510,461      4,724,855  14,173,806       2,881,181     5,064,473     7,315,977     4,513,889     8,048,026       15,548,956  3,787,230   8,016,624               -     2,987,320         1,201,850           -        13,098,701   3,243,819      8,977,731      20,663,895     5,159,385     4,892,417       14,456,159       5,895,138      36,780,433  56,792,632  166,513,391  57,834,279                   111,309,873  25,456,257  29,353,500                 27,056,730  20,038,234  57,040,930                      -           -                         157,774,832      34,937,920       67,165,975     60,112,752  1,577,000        120,810,043    7,231,717    106,428,670    80,323,828     186,752,498     34,475,237      670,837,974    588,176,259            -
APPLICATIONS (LOANS) Y TD                                    38              77           113             94            42          85                 121             77              21             145            82              29             24                94           338           77           74         30                        33               47                40            63             62            23         -                  55             212                  61        224                89          37            268              54          86             50               645         205                 19        122               172           204               202            195            45           158             92              84                22           143             26          96              17            35            31            35            48              103         35          46               -            35                 7           -                64          25             72             133            31            54               72              72             337         531        1,965         486                           945         272         249                        316         193         458                      -           -                               1,493             298              641            700         19              1,098           92            763           561           1,324            645            6,310          5,752            -

CLOSINGS (DOLLARS) Y TD                              1,318,420       9,678,667      4,326,543     3,836,423      2,406,975      5,690,035        9,544,782     5,191,628        1,357,922       4,540,576     5,594,487         748,214      1,934,469        4,016,256     19,718,971     5,832,802      4,404,467      2,920,353           2,067,964       1,877,648         2,682,680     2,516,930     4,935,591      2,205,416      90,951         3,656,232      11,381,252           6,631,953    21,959,096      3,863,985    1,091,159    14,508,901       2,334,891    3,600,276     2,448,051         7,733,361    5,389,066         2,851,175      4,193,808     8,501,269    10,473,741        17,769,232     17,170,972     3,539,301     6,109,616      3,248,030       4,660,272        3,419,941    10,291,279       3,306,803    13,761,203     2,333,637     3,399,885     2,704,108     2,898,872     5,602,234       8,680,146    3,035,965    6,073,137          679,850      1,984,839       350,300           -        11,455,246    2,248,550     2,222,633      14,358,045     5,554,214     4,464,836         9,087,133     3,691,693       28,751,165      50,853,322      129,654,021      48,823,596        82,517,550      21,855,952      24,535,713         18,922,920      16,712,194      30,948,195      11,765,010         2,425,812                   88,823,216       19,206,582      47,583,469     29,372,344    2,851,175       67,757,939    3,248,030     73,182,471    54,400,770    127,583,241        7,733,361     394,159,356    453,574,629         14,190,822
CLOSINGS (LOANS) Y TD                                       14              71             43            49             24             63               93            57               11              61            59               8             14               36            180            47             58             24                  21              20                34            23            40             17           1                34             115                  68           188             40           13           136              26           41            41               146           80                37             45           113           106               180             99            42            79             42              54               23            80              16            89            14            22            11            19            44              59           26           32                4             19             2           -                63           13            18              99            39            51                28            39              261             482            1,545             441               652             234             216                220             156             239             190                26                          874              179             446            337           37              664           42            514           364            878              146           3,603          4,446                216
AVERAGE LOAN SIZE                                       94,173         136,319        100,617        78,294        100,291         90,318          102,632        91,081          123,447          74,436        94,822          93,527        138,176          111,563        109,550       124,102         75,939        121,681              98,474          93,882            78,902       109,432       123,390        129,730      90,951           107,536          98,967              97,529       116,804         96,600       83,935       106,683          89,803       87,812        59,709            52,968       67,363            77,059         93,196        75,232        98,809            98,718        173,444        84,269        77,337         77,334          86,301          148,693       128,641         206,675       154,620       166,688       154,540       245,828       152,572       127,324         147,121      116,768      189,786          169,963        104,465       175,150           -           181,829      172,965       123,480         145,031       142,416        87,546           324,540        94,659          110,158         105,505           83,918         110,711           126,561          93,402         113,591             86,013         107,129         129,490          61,921            93,300                      101,628          107,299         106,689         87,158       77,059          102,045       77,334        142,378       149,453        145,311           52,968         109,398        102,019             65,698

NET CLOSINGS (DOLLARS) Y TD                          1,254,670       7,202,724      4,310,543     2,926,594      2,406,975      5,690,035        9,498,671     5,191,628        1,357,922       4,393,876     5,594,487         508,114      1,934,469        3,861,867     19,498,035     5,832,802      4,404,467      2,391,253           2,067,964       1,877,648         2,561,180     2,325,730     2,647,981      1,667,366      90,951         3,326,232      11,381,252           6,459,453    21,116,888      1,825,397     845,359     12,844,492       1,305,402    3,415,726     2,414,901         4,857,690    4,331,795         2,851,175      3,657,208     8,049,851     9,920,341        17,582,532      7,887,669     2,692,201     5,714,548      2,683,432       3,970,522        2,834,641     3,498,866       2,278,303    10,368,538     1,438,587     1,861,035       661,008     2,008,878     4,636,034       5,752,051    2,840,965    2,621,918          679,850      1,504,639        97,600           -         8,816,396    1,300,550     2,129,133       6,362,354     4,740,114     4,284,076         1,398,983     2,958,071       28,751,165      50,853,322      129,654,021      48,823,596        82,517,550      21,855,952      24,535,713         18,922,920      16,712,194      30,948,195      11,765,010         2,425,812                   84,613,209       15,539,122      44,200,173     25,157,675    2,851,175       55,504,350    2,683,432     47,053,435    33,244,347     80,297,782        4,857,690     315,704,607    453,574,629         14,190,822
NET CLOSINGS (LOANS) Y TD                                   13              56             42            36             24             63               92            57               11              59            59               6             14               33            178            47             58             21                  21              20                33            22            25             14           1                29             115                  64           181             21          10            121              18           39            40                69           58                37             40           108           100               177             60            29            66             33              46               19            27              12            70             7            13             5            12            37              37           23           14                4             14             1           -                53           10            17              43            32            49                 7            35              261             482            1,545             441               652             234             216                220             156             239             190                26                          835              156             411            286           37              580           33            341           259            600               69           3,007          4,446                216
AVERAGE LOAN SIZE                                       96,513         128,620        102,632        81,294        100,291         90,318          103,246        91,081          123,447          74,472        94,822          84,686        138,176          117,026        109,540       124,102         75,939        113,869              98,474          93,882            77,612       105,715       105,919        119,098      90,951           114,698          98,967             100,929       116,668         86,924      84,536        106,153          72,522       87,583        60,373            70,401       74,686            77,059         91,430        74,536        99,203            99,336        131,461        92,835        86,584         81,316          86,316          149,192       129,588         189,859       148,122       205,512       143,157       132,202       167,407       125,298         155,461      123,520      187,280          169,963        107,474        97,600           -           166,347      130,055       125,243         147,962       148,129        87,430           199,855        84,516          110,158         105,505           83,918         110,711           126,561          93,402         113,591             86,013         107,129         129,490          61,921            93,300                      101,333           99,610         107,543         87,964       77,059           95,697       81,316        137,987       128,357        133,830           70,401         104,990        102,019             65,698

BROKERED CLOSINGS (DOLLARS) Y TD                        63,750       2,475,943        16,000        909,829            -              -            46,111            -                -           146,700           -           240,100            -            154,389       220,936            -              -         529,100                  -               -             121,500      191,200      2,287,610        538,050          -            330,000             -               172,500      842,208       2,038,588     245,800      1,664,409       1,029,489     184,550         33,150         2,875,671    1,057,271               -         536,600        451,418       553,400          186,700       9,283,303       847,100       395,068        564,598        689,750           585,300     6,792,413       1,028,500     3,392,665       895,050     1,538,850     2,043,100       889,994       966,200       2,928,095     195,000     3,451,219              -         480,200        252,700           -         2,638,850     948,000         93,500       7,995,691       814,100       180,760         7,688,150       733,622              -               -                -               -                 -               -               -                  -               -               -               -                 -                      4,210,008        3,667,460        3,383,296     4,214,669          -         12,253,589     564,598      26,129,036    21,156,423     47,285,459        2,875,671      78,454,749            -                  -
BROKEREED CLOSINGS (LOANS) Y TD                              1              15             1             13            -              -                 1            -                -                 2           -                 2            -                  3             2            -              -               3                  -               -                   1            1             15              3          -                  5             -                     4            7              19           3             15               8           2              1                77           22               -               5              5             6                3              39            13            13              9              8                 4            53               4            19             7             9             6             7             7              22           3            18              -               5              1           -                10           3              1              56             7             2                21             4              -               -                -               -                 -               -               -                  -               -               -               -                 -                             39               23               35            51          -                 84           9             173           105            278               77             596            -                  -
AVERAGE LOAN SIZE                                       63,750         165,063        16,000         69,987            -              -            46,111            -                -            73,350           -           120,050            -             51,463       110,468            -              -         176,367                  -               -             121,500      191,200        152,507        179,350          -             66,000             -                43,125      120,315         107,294      81,933        110,961         128,686      92,275         33,150            37,346       48,058               -         107,320         90,284        92,233           62,233         238,033        65,162        30,390         62,733         86,219           146,325       128,159         257,125       178,561       127,864       170,983       340,517       127,142       138,029         133,095      65,000       191,734              -          96,040        252,700           -           263,885     316,000         93,500         142,780       116,300        90,380           366,102       183,406              -               -                -               -                 -               -               -                  -               -               -               -                 -                        107,949          159,455           96,666        82,641          -            145,876      62,733         151,035       201,490        170,092           37,346         131,635            -                  -

NET LOANS CLOSED/APPLICATION                             34.2%           72.7%         37.2%          38.3%          57.1%          74.1%           76.0%          74.0%            52.4%           40.7%         72.0%           20.7%          58.3%            35.1%         52.7%          61.0%         78.4%          70.0%               63.6%            42.6%             82.5%        34.9%          40.3%          60.9%         0.0%            52.7%           54.2%              104.9%        80.8%           23.6%       27.0%          45.1%           33.3%       45.3%          80.0%             10.7%        28.3%           194.7%          32.8%          62.8%         49.0%            87.6%           30.8%         64.4%         41.8%          35.9%          54.8%             86.4%         18.9%           46.2%        72.9%          41.2%         37.1%         16.1%         34.3%         77.1%           35.9%       65.7%        30.4%              0.0%         40.0%          14.3%          0.0%           82.8%       40.0%          23.6%           32.3%        103.2%         90.7%              9.7%         48.6%           77.4%           90.8%             78.6%           90.7%            69.0%           86.0%           86.7%               69.6%          80.8%           52.2%             0.0%              0.0%                       55.9%             52.3%            64.1%        40.9%       194.7%            52.8%        35.9%          44.7%         46.2%           45.3%            10.7%           47.7%          77.3%               0.0%

PRODUCT MIX (% OF NET LOANS CLOSED)
GOVERNMENT                                               19.8%           48.0%         45.4%          49.7%          68.4%          72.2%           49.2%          58.0%            12.4%           57.9%         43.2%           24.2%          49.7%            53.5%         77.2%          89.1%         59.9%          86.0%               60.6%            57.2%             80.5%        82.6%          64.5%          65.5%      100.0%             44.4%           87.5%               45.4%        77.1%           63.8%       33.9%          81.0%           40.7%       70.8%          53.9%             32.0%        45.5%            96.9%          51.5%          63.0%         51.6%            60.0%           15.2%         49.0%         51.9%          90.2%          63.8%             65.4%         91.4%           23.4%        80.1%          24.1%         63.0%         26.0%         78.9%         94.5%          100.0%       43.5%        69.9%             26.2%         17.5%           0.0%          0.0%           33.6%       13.3%          27.0%           27.1%         48.1%         75.7%            20.9%          74.6%           91.1%           41.7%             76.5%           25.8%            63.5%           61.1%           27.7%               57.7%          17.1%           77.6%            0.0%              48.0%
CONVENTIONAL                                             80.2%           52.0%         54.6%          46.3%          31.6%          27.8%           50.8%          42.0%            87.6%           42.1%         56.8%           75.8%          50.3%            46.5%         22.7%          10.9%         34.4%          14.0%               39.4%            42.8%             10.8%        17.4%          35.5%          34.5%        0.0%             53.8%           11.0%               49.2%        18.6%           32.1%       51.4%          12.3%           56.9%       28.8%          46.1%             52.6%        51.3%             3.1%          48.5%          37.0%         47.1%            37.9%           84.8%         51.0%         47.8%           9.8%          34.8%             34.6%          8.6%           76.6%        19.9%          75.9%         37.0%         74.0%         21.1%          5.5%            0.0%       56.5%        30.1%             73.8%         82.5%         100.0%          0.0%           66.4%       86.7%          60.0%           70.0%         50.7%         24.3%            73.7%          25.4%            3.1%           43.2%             21.6%           64.0%            33.8%           22.7%           56.1%               39.5%          68.8%           22.2%            0.0%              29.1%
NONPRIME                                                  0.0%            0.0%          0.0%           4.0%           0.0%           0.0%            0.0%           0.0%             0.0%            0.0%          0.0%            0.0%           0.0%             0.0%          0.1%           0.0%          5.8%           0.0%                0.0%             0.0%              8.7%         0.0%           0.0%           0.0%        0.0%              1.7%            1.5%                5.3%         4.3%            4.2%       14.6%           6.7%            2.4%        0.4%           0.0%             15.5%         3.2%             0.0%           0.0%           0.0%          1.2%             2.0%            0.0%          0.0%          0.3%           0.0%           1.4%              0.0%          0.0%            0.0%         0.0%           0.0%          0.0%          0.0%          0.0%          0.0%            0.0%        0.0%         0.0%              0.0%          0.0%           0.0%          0.0%            0.0%        0.0%          13.0%            2.9%          1.3%          0.0%             5.5%           0.0%            5.8%           15.0%              1.8%           10.1%             2.8%           16.2%           16.2%                2.8%          14.2%            0.2%          100.0%              22.9%
REFINANCE                                                33.5%            8.7%         20.5%           7.5%           9.6%          11.1%           14.9%           9.0%            10.1%            7.1%         12.1%           48.9%          14.3%            16.9%          2.6%           2.7%          4.6%           3.7%                4.1%             5.3%              7.5%        14.6%           9.1%           0.0%        0.0%             22.6%            8.1%                6.8%         2.7%            3.7%       15.6%           6.8%            0.0%        6.0%           5.1%             53.5%        17.0%             4.2%           0.0%           1.5%          1.2%             5.2%            6.5%         13.8%         10.0%           0.0%           8.7%             27.7%          6.9%            0.0%         3.7%           7.1%          4.2%          0.0%          0.0%          4.0%            0.0%        9.9%         7.8%              0.0%         55.8%           0.0%          0.0%            8.4%       13.5%          12.6%           16.1%         10.6%          1.6%            23.5%           2.1%            6.4%           11.6%              5.8%           35.0%            18.4%            7.1%            5.4%               32.4%          30.3%           45.8%            0.0%              32.2%

ADJUSTMENTS
CHANGES IN DIRECT REVENUE                                     0%           0%             0%            0%                 0%             0%           0%                0%               0%           0%               0%           0%                0%           0%             0%                0%             0%         0%                      0%              0%            0%            0%            0%              0%              0%            0%                 0%              0%            0%             0%           0%             0%              0%          0%             0%               0%            0%                   0%         0%             0%            0%               0%              0%            0%            0%            0%              0%               0%            0%              0%            0%             0%            0%            0%            0%           0%              0%           0%           0%                   0%         0%             0%               0%          0%           0%             0%              0%            0%            0%               0%             0%                  0%              0%               0%              0%                0%              0%              0%                 0%              0%              0%              0%                0%
CHANGES IN INDIRECT REVENUE                                   0%           0%             0%            0%                 0%             0%           0%                0%               0%           0%               0%           0%                0%           0%             0%                0%             0%         0%                      0%              0%            0%            0%            0%              0%              0%            0%                 0%              0%            0%             0%           0%             0%              0%          0%             0%               0%            0%                   0%         0%             0%            0%               0%              0%            0%            0%            0%              0%               0%            0%              0%            0%             0%            0%            0%            0%           0%              0%           0%           0%                   0%         0%             0%               0%          0%           0%             0%              0%            0%            0%               0%             0%                  0%              0%               0%              0%                0%              0%              0%                 0%              0%              0%              0%                0%
CHANGES IN DIRECT VARIABLE COSTS                              0%           0%             0%            0%                 0%             0%           0%                0%               0%           0%               0%           0%                0%           0%             0%                0%             0%         0%                      0%              0%            0%            0%            0%              0%              0%            0%                 0%              0%            0%             0%           0%             0%              0%          0%             0%               0%            0%                   0%         0%             0%            0%               0%              0%            0%            0%            0%              0%               0%            0%              0%            0%             0%            0%            0%            0%           0%              0%           0%           0%                   0%         0%             0%               0%          0%           0%             0%              0%            0%            0%               0%             0%                  0%              0%               0%              0%                0%              0%              0%                 0%              0%              0%              0%                0%
CHANGES IN INDIRECT VARIABLE COSTS                            0%           0%             0%            0%                 0%             0%           0%                0%               0%           0%               0%           0%                0%           0%             0%                0%             0%         0%                      0%              0%            0%            0%            0%              0%              0%            0%                 0%              0%            0%             0%           0%             0%              0%          0%             0%               0%            0%                   0%         0%             0%            0%               0%              0%            0%            0%            0%              0%               0%            0%              0%            0%             0%            0%            0%            0%           0%              0%           0%           0%                   0%         0%             0%               0%          0%           0%             0%              0%            0%            0%               0%             0%                  0%              0%               0%              0%                0%              0%              0%                 0%              0%              0%              0%                0%
CHANGES IN FIXED COSTS                                        0%           0%             0%            0%                 0%             0%           0%                0%               0%           0%               0%           0%                0%           0%             0%                0%             0%         0%                      0%              0%            0%            0%            0%              0%              0%            0%                 0%              0%            0%             0%           0%             0%              0%          0%             0%               0%            0%                   0%         0%             0%            0%               0%              0%            0%            0%            0%              0%               0%            0%              0%            0%             0%            0%            0%            0%           0%              0%           0%           0%                   0%         0%             0%               0%          0%           0%             0%              0%            0%            0%               0%             0%                  0%              0%               0%              0%                0%              0%              0%                 0%              0%              0%              0%                0%

COST-VOLUME PROFIT ANALYSIS YTD                     INTERNET       ARDEN HILLS    BURNSVILLE     FT. WAYNE     GREENWOOD        INDY EAST      INDY NORTH     INDY WEST       KALAMAZOO         KOKOMO       LAFAYETTE        LANSING        MADISON        MINNEAPOLIS    NEW CONST. NEW CONSTR. II SOUTHBEND           COLUMBIA     FREDERICKSBURG        LANCASTER       RICHMOND-VA     ROCKVILLE     ROCKY HILL    SPRINGFIELD      CARY         CHESAPEAKE     GREENSBORO        NEWPORT NEWS       RALEIGH      WILMINGTON     ASHLAND       CHICAGO      CLOCKTOWER       DAYTON       DECATUR      DIRECT LENDING    ST. LOUIS     BATON ROUGE        CORPUS         EL PASO         MESA      METRO PHOENIX     SCOTTSDALE       TUCSON         TULSA      NORTH LOOP     BAKERSFIELD     BATTLEGROUND     BEAVERTON     CASTLE ROCK       COVINA        DENVER       EVERETT        KAILUA       MT. LAKE     PORTLAND      RICHMOND-CA     TEMECULA     VENTURA      WOODLAND PK.        YREKA       DAMASCUS        IRVINE        HONOLULU         MAUI         RENO       SACRAMENTO        SALINAS       VISALIA     WALNUT CREEK      YUBA CITY     INDIANAPOLIS        ATLANTA         ORLANDO          NEWARK         ENGLEWOOD          DALLAS         HOUSTON         BATON ROUGE         AUSTIN         SAN DIEGO       NONPRIME        MAN. HOUSING                    CENTRAL      NO. ATLANTIC     SO. ATLANTIC     MIDSTATES SOUTHWEST           WESTERN       SPANISH              NET       PACIFIC    ALL PACIFIC DIRECT LENDING            RETAIL    WHOLESALE CONSUMER LENDING
SERVICING VALUE CREATED                                 19,369         121,923        70,373         42,080         46,837        104,853          159,380        82,830           20,419         82,533         80,893          8,489         31,442            47,869       362,977      120,161       76,728             48,777             35,322           34,231            48,500       42,499         54,157         33,383        2,092           55,632         242,844           106,277        409,099          33,713       11,646       235,768         21,468        64,893       44,483             65,891       60,941           58,821         61,652        151,943       139,847          254,900         118,015        46,957       103,827         56,864         66,934            44,894        58,514          28,988       124,252        17,773       30,824         10,633       41,696        99,205           65,154       48,242      39,811           10,633         23,283         1,473            -          137,399        19,296        26,183          86,484        61,737        63,840           19,004        34,898          587,638          787,965        2,679,254         751,158         1,554,366        376,419         351,090            358,969         233,125          602,948            -                35,967                   1,459,787          296,869          849,657       439,199     58,821           877,141       56,864         712,309       468,210       1,180,519          65,891       5,284,748      8,282,932           35,967
ORIGINATION REVENUE                                      9,736          97,801        60,629         57,637         22,094         65,411           71,505        42,923           14,854         56,821         49,267         13,229         24,655            60,947       267,925       78,667       51,518             27,725             12,361            2,929            68,131       19,723        101,346         26,107         (627)          32,164         136,653             60,674       288,324          75,371       24,684       304,135         46,453        51,605       39,625            266,226       51,785           56,666         66,160        120,657       123,071          226,605         223,575        37,879        72,642         71,276         85,555            50,755       134,286          45,637       198,669        30,221       48,382         47,265       70,037       174,754          276,018       32,719      88,486            5,197         31,181         5,971            -           73,771        35,648        34,423         123,034        76,619        50,596         113,463         49,183           90,095          191,562          417,012         122,896           136,379        110,574          62,907             56,323         111,619          106,868        941,104              82,178                   1,035,884          258,323          592,559       518,288     56,666           870,588       71,276       1,325,132       566,473       1,891,605         266,226       5,561,415      1,406,236        1,023,282
MARKETING GAINS                                            -               -             -              -              -              -                -             -                -              -              -              -              -                 -             -            -            -                  -                  -                -                 -            -              -              -            -                -               -                  -             -               -            -             -              -             -            -                  -            -                -              -              -             -                -               -             -             -              -              -                 -             -               -             -             -            -              -            -             -                -            -           -                -              -             -              -              -             -             -               -             -             -                -             -                -                -                -               -                 -              -               -                  -               -                -              -                   -                           -                -                -             -          -                 -            -               -             -               -               -               -              -                -
NET INTEREST AND FLOAT                                     -               -             -              -              -              -                -             -                -              -              -              -              -                 -             -            -            -                  -                  -                -                 -            -              -              -            -                -               -                  -             -               -            -             -              -             -            -                  -            -                -              -              -             -                -               -             -             -              -              -                 -             -               -             -             -            -              -            -             -                -            -           -                -              -             -              -              -             -             -               -             -             -                -             -                -                -                -               -                 -              -               -                  -               -                -              -                   -                           -                -                -             -          -                 -            -               -             -               -               -               -              -                -
LESS DIRECT VARIABLE COSTS                             (14,291)       (127,972)      (68,488)       (57,646)       (39,379)       (83,870)        (164,309)      (60,577)         (42,435)       (64,377)       (94,343)       (43,727)       (25,420)          (68,539)     (320,173)     (87,117)     (63,733)           (49,131)           (33,888)         (30,785)          (88,482)     (50,333)      (107,672)       (36,145)      (2,570)         (52,856)       (186,461)           (66,626)     (328,376)        (77,574)     (42,931)     (294,106)       (50,212)      (69,918)     (37,790)          (230,033)    (114,746)         (52,284)       (60,829)      (123,205)     (128,688)        (229,978)       (186,753)      (53,394)     (138,638)       (90,843)       (65,897)          (50,537)     (113,252)        (32,393)     (190,657)      (24,019)     (42,074)       (35,629)     (55,826)     (145,986)        (216,475)     (31,802)    (78,001)          (4,540)       (23,681)       (3,009)        (2,495)      (105,439)      (30,767)      (56,715)       (129,384)      (84,458)      (59,976)         (90,348)      (55,344)        (581,729)        (706,298)      (2,233,711)       (666,703)       (1,365,350)      (321,867)       (346,837)          (300,736)       (215,621)        (533,878)      (522,489)            (91,261)                 (1,412,105)        (396,436)        (714,462)     (609,703)   (52,284)         (921,486)     (90,843)     (1,113,776)     (629,217)     (1,742,993)       (230,033)     (6,170,344)    (7,272,730)        (613,751)
LESS INDIRECT VARIABLE COSTS                               -               -             -              -              -              -                -             -                -              -              -              -              -                 -             -            -            -                  -                  -                -                 -            -              -              -            -                -               -                  -             -               -            -             -              -             -            -                  -            -                -              -              -             -                -               -             -             -              -              -                 -             -               -             -             -            -              -            -             -                -            -           -                -              -             -              -              -             -             -               -             -             -                -             -                -                -                -               -                 -              -               -                  -               -                -              -                   -                           -                -                -             -          -                 -            -               -             -               -               -               -              -                -
CONTRIBUTION MARGIN                                     14,815          91,752        62,515         42,072         29,551         86,395           66,576        65,176           (7,163)        74,978         35,817        (22,009)        30,677            40,277       310,729      111,712       64,513             27,371             13,795            6,375            28,149       11,889         47,831         23,345       (1,105)          34,940         193,037           100,325        369,048          31,510       (6,601)      245,797         17,709        46,580       46,318            102,084       (2,019)          63,203         66,982        149,395       134,230          251,527         154,837        31,442        37,830         37,297         86,593            45,112        79,548          42,232       132,264        23,976       37,132         22,269       55,907       127,973          124,697       49,159      50,296           11,290         30,783         4,436         (2,495)       105,731        24,177         3,891          80,133        53,898        54,460           42,119        28,736           96,004          273,229          862,556         207,351           325,396        165,126          67,160            114,556         129,123          175,938        418,615              26,884                   1,083,567          158,756          727,754       347,784     63,203           826,243       37,297         923,665       405,466       1,329,131         102,084       4,675,819      2,416,438          445,499
LESS DIRECT FIXED COSTS                                (35,038)        (98,359)      (67,255)       (63,431)       (50,412)       (83,514)        (128,102)      (71,030)         (31,858)       (48,070)       (70,843)       (39,493)       (43,795)          (92,479)     (222,279)     (72,951)     (65,468)           (95,092)           (47,451)         (41,355)          (60,959)     (58,724)       (51,495)       (71,011)     (19,614)         (51,880)       (136,220)           (86,491)     (194,217)        (63,550)     (43,147)     (221,875)       (44,029)      (57,626)     (31,834)          (179,054)     (92,547)         (55,120)       (69,130)       (68,691)     (122,115)        (127,247)       (124,553)      (57,606)     (131,628)       (93,516)       (58,480)          (16,725)      (78,398)        (41,278)      (61,557)      (21,265)     (36,123)       (24,158)     (37,968)     (121,647)         (95,408)     (45,224)    (32,071)          (7,624)       (24,493)       (3,510)        (8,830)       (59,622)      (25,608)      (39,953)       (107,937)      (44,860)      (49,970)         (52,284)      (33,955)         (79,474)        (273,381)        (608,599)       (222,131)         (373,132)      (137,228)       (176,997)          (109,416)       (129,888)        (220,453)      (930,534)           (154,785)                 (1,249,340)        (426,087)        (551,972)     (491,058)   (55,120)         (700,970)     (93,516)       (705,928)     (458,057)     (1,163,985)       (179,054)     (4,911,103)    (2,330,700)      (1,085,320)
GROSS VALUE CREATED                                    (20,224)         (6,607)       (4,741)       (21,360)       (20,860)         2,880          (61,526)       (5,854)         (39,021)        26,907        (35,026)       (61,502)       (13,118)          (52,202)       88,450       38,761         (955)           (67,721)           (33,656)         (34,981)          (32,810)     (46,835)        (3,663)       (47,666)     (20,720)         (16,941)         56,817             13,835       174,830         (32,040)     (49,749)       23,922        (26,320)      (11,045)      14,484            (76,970)     (94,566)           8,082         (2,148)        80,704        12,115          124,280          30,284       (26,164)      (93,798)       (56,219)        28,113            28,387         1,150             954        70,707         2,711        1,010         (1,890)      17,939         6,327           29,289        3,935      18,225            3,666          6,290           925        (11,324)        46,109        (1,431)      (36,062)        (27,804)        9,038         4,490          (10,165)       (5,218)          16,529             (153)         253,956         (14,780)          (47,736)        27,898        (109,837)             5,140            (765)         (44,515)      (511,919)           (127,901)                   (165,773)        (267,331)         175,782      (143,274)     8,082           125,274      (56,219)        217,737       (52,591)        165,146         (76,970)       (235,284)        85,737         (639,821)
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  (246,047)    (163,868)
BASIS POINTS                                            (161.2)           (9.2)         (11.0)        (73.0)         (86.7)           5.1            (64.8)        (11.3)          (287.4)           61.2         (62.6)        (1,210.4)        (67.8)          (135.2)          45.4          66.5           (2.2)        (283.2)             (162.7)         (186.3)           (128.1)       (201.4)        (13.8)        (285.9)    (2,278.1)           (50.9)           49.9                21.4          82.8         (175.5)      (588.5)         18.6          (201.6)       (32.3)         60.0            (158.5)       (218.3)            28.3           (5.9)        100.3          12.2              70.7           38.4         (97.2)       (164.1)        (209.5)           70.8            100.1           3.3             4.2          68.2          18.8           5.4         (28.6)         89.3          13.6            50.9         13.9         69.5             53.9           41.8          94.8           -              52.3        (11.0)       (169.4)          (43.7)         19.1          10.5             (72.7)        (17.6)             5.7            (0.0)            19.6            (3.0)             (5.8)           12.8           (44.8)               2.7            (0.5)          (14.4)         (435.1)            (527.3)                      (19.6)          (172.0)            39.8         (57.0)        28.3             22.6       (209.5)          46.3         (15.8)          20.6            (158.5)          (7.5)           1.9             (450.9)

REVENUE/LOAN                                             2,239           3,924          3,119         2,770          2,872          2,703            2,510         2,206            3,207           2,362         2,206           3,620          4,007            3,297          3,544         4,230          2,211          3,643               2,271           1,858             3,534         2,828         6,220          4,249        1,465            3,027           3,300               2,609         3,853          5,194        3,633         4,462           3,773        2,987         2,103             4,813         1,944            3,121          3,195         2,524         2,629             2,720          5,693         2,925         2,674          3,883           3,315            5,034         7,141           6,219         4,613         6,856         6,093        11,580         9,311         7,404           9,221        3,520        9,164            3,957          3,890         7,444           -             3,984        5,494         3,565           4,873         4,324         2,335            18,924         2,402            2,597           2,032            2,004           1,982             2,593           2,081           1,917              1,888           2,210           2,970           4,953             4,544                        2,989            3,559            3,509         3,348        3,121            3,013        3,883          5,975         3,995          5,120             4,813          3,607          2,179              4,904
LESS VARIABLE COSTS/LOAN                                (1,099)         (2,285)        (1,631)       (1,601)        (1,641)        (1,331)          (1,786)       (1,063)          (3,858)         (1,091)       (1,599)         (7,288)        (1,816)          (2,077)        (1,799)       (1,854)        (1,099)        (2,340)             (1,614)         (1,539)           (2,681)       (2,288)       (4,307)        (2,582)      (2,570)          (1,823)         (1,621)             (1,041)       (1,814)        (3,694)      (4,293)       (2,431)         (2,790)      (1,793)         (945)           (3,334)       (1,978)          (1,413)        (1,521)       (1,141)       (1,287)           (1,299)        (3,113)       (1,841)       (2,101)        (2,753)         (1,433)          (2,660)       (4,195)         (2,699)       (2,724)       (3,431)       (3,236)       (7,126)       (4,652)       (3,946)         (5,851)      (1,383)      (5,572)          (1,135)        (1,692)       (3,009)          -            (1,989)      (3,077)       (3,336)         (3,009)       (2,639)       (1,224)          (12,907)       (1,581)          (2,229)         (1,465)          (1,446)         (1,512)           (2,094)         (1,376)         (1,606)            (1,367)         (1,382)         (2,234)         (2,750)           (3,510)                      (1,691)          (2,541)          (1,738)       (2,132)      (1,413)          (1,589)      (2,753)        (3,266)       (2,429)        (2,905)           (3,334)        (2,052)        (1,636)            (2,841)
CONTRIBUTION MARGIN/LOAN                                 1,140           1,638          1,488         1,169          1,231          1,371              724         1,143             (651)          1,271           607          (3,668)         2,191            1,221          1,746         2,377          1,112          1,303                 657             319               853           540         1,913          1,668       (1,105)           1,205           1,679               1,568         2,039          1,500         (660)        2,031             984        1,194         1,158             1,479           (35)           1,708          1,675         1,383         1,342             1,421          2,581         1,084           573          1,130           1,882            2,374         2,946           3,519         1,889         3,425         2,856         4,454         4,659         3,459           3,370        2,137        3,593            2,822          2,199         4,436           -             1,995        2,418           229           1,864         1,684         1,111             6,017           821              368             567              558             470               499             706             311                521             828             736           2,203             1,034                        1,298            1,018            1,771         1,216        1,708            1,425        1,130          2,709         1,566          2,215             1,479          1,555            544              2,062

CONTRIBUTION MARGIN RATIO                                 0.51            0.42          0.48           0.42           0.43          0.51             0.29           0.52            (0.20)           0.54          0.28           (1.01)          0.55             0.37          0.49           0.56          0.50           0.36                0.29             0.17              0.24         0.19           0.31           0.39        (0.75)            0.40            0.51                0.60         0.53            0.29        (0.18)         0.46            0.26        0.40           0.55              0.31         (0.02)           0.55           0.52           0.55          0.51             0.52            0.45          0.37          0.21           0.29           0.57              0.47          0.41            0.57         0.41           0.50          0.47          0.38          0.50          0.47            0.37        0.61         0.39              0.71          0.57           0.60           -              0.50        0.44           0.06            0.38          0.39          0.48             0.32           0.34            0.14            0.28              0.28           0.24               0.19           0.34             0.16               0.28           0.37            0.25             0.44              0.23                         0.43             0.29             0.50          0.36        0.55              0.47        0.29            0.45          0.39           0.43             0.31            0.43           0.25               0.42
BREAKEVEN POINT IN TOTAL REVENUE DOLLARS                68,837         235,546       140,937        150,344        117,589       164,588          444,259        137,047         (156,891)         89,344       257,448         (38,970)        80,084          249,848       451,314        129,840       130,145        265,785             164,017          241,075           252,571      307,329        167,413        180,956      (25,990)         130,364         267,799             143,929      367,030         220,002     (237,466)      487,357         168,870     144,122         57,807           582,530    (5,166,503)        100,718        131,910        125,339       239,188          243,592         274,779       155,432       614,010        321,289        102,982            35,461       190,012          72,940      150,290         42,568        77,052        62,811        75,881       260,416         261,037      74,480       81,807            10,690        43,335          5,891           -           119,080      58,196        622,321         282,213       115,155       105,001          164,436         99,349         561,045         980,075         2,184,654        936,356          1,938,780        404,716        1,091,071            396,658        346,787         889,409        2,091,970           680,224                    2,877,481        1,490,089        1,093,863     1,351,935     100,718         1,482,741     321,289       1,557,152     1,168,886      2,690,409          582,530      11,391,934      9,345,387          2,580,532
BREAKEVEN POINT IN LOANS CLOSED                             31              60            45             54             41            61              177             62              (49)             38           117             (11)            20               76           127             31            59             73                  72              130                71          109             27             43          (18)              43              81                  55           95              42          (65)          109              45          48             27               121        (2,658)             32             41             50            91               90              48            53           230             83             31                 7            27              12           33              6            13             5             8            35              28          21            9                 3            11              1           -                30          11            175              58            27            45                9             41             216             482             1,090            472                748            194              569                210            157             299              422               150                          963              419              312           404          32               492          83             261           293            525              121           3,158          4,288                526

CURRENT PRODUCTION Y TD                                       13           56             42            36                 24             63           92                57               11           59               59             6               14           33            178                47             58         21                      21              20            33            22            25              14              1             29            115                  64           181             21           10            121              18          39             40               69            58                   37         40            108           100              177              60            29            66            33              46               19            27              12            70              7            13             5            12           37              37           23           14                   4          14              1           -               53           10             17              43            32            49                 7            35             261             482             1,545            441               652             234             216                220             156             239             190                    26                      835               156             411           286               37          580           33            341           259             600               69           3,007          4,446               216
CURRENT SHORTFALL (SURPLUS) Y TD                              18            4              3
BRANCH                                                        DIRECT BASIS

BRANCH                           GROSS VALUE CREATED BASIS POINTS         COST SAVINGS
NONPRIME                                       (511,919)          -435.12       1,322,207
MAN. HOUSING                                   (127,901)          -527.25         215,258
HOUSTON                                        (109,837)           -44.77         478,534
ST. LOUIS                                       (94,566)          -218.31          98,308
TULSA                                           (93,798)          -164.14         129,843
DIRECT LENDING                                  (76,970)          -158.45         222,428
COLUMBIA                                        (67,721)          -283.20          93,390
INDY NORTH                                      (61,526)           -64.77         168,345
LANSING                                         (61,502)         -1210.40          44,274
NORTH LOOP                                      (56,219)          -209.50      (1,176,049)
MINNEAPOLIS                                     (52,202)          -135.17          91,999
ASHLAND                                         (49,749)          -588.49          41,767
ENGLEWOOD                                       (47,736)            -5.78       1,627,268
SPRINGFIELD                                     (47,666)          -285.87          64,758
ROCKVILLE                                       (46,835)          -201.38          57,254
SAN DIEGO                                       (44,515)           -14.38         709,361
KALAMAZOO                                       (39,021)          -287.36          24,609
RENO                                            (36,062)          -169.38          32,769
LAFAYETTE                                       (35,026)           -62.61          82,525
LANCASTER                                       (34,981)          -186.30          42,670
FREDERICKSBURG                                  (33,656)          -162.75          46,754
RICHMOND-VA                                     (32,810)          -128.10          77,706
WILMINGTON                                      (32,040)          -175.52          67,979
SACRAMENTO                                      (27,804)           -43.70         129,682
CLOCKTOWER                                      (26,320)          -201.62          41,147
TUCSON                                          (26,164)           -97.19          55,922
FT. WAYNE                                       (21,360)           -72.98          61,763
GREENWOOD                                       (20,860)           -86.67          47,654
CARY                                            (20,720)         -2278.10           4,618
INTERNET                                        (20,224)          -161.19          45,332
CHESAPEAKE                                      (16,941)           -50.93          51,072
NEWARK                                          (14,780)            -3.03         838,078
MADISON                                         (13,118)           -67.81          38,614
IRVINE                                          (11,324)             0.00               0
DAYTON                                          (11,045)           -32.34          65,676
WALNUT CREEK                                    (10,165)           -72.66          58,376
ARDEN HILLS                                      (6,607)            -9.17         100,378
INDY WEST                                        (5,854)           -11.27          75,679
YUBA CITY                                        (5,218)           -17.64          45,279
BURNSVILLE                                       (4,741)           -11.00          72,270
ROCKY HILL                                       (3,663)           -13.84          55,252
CORPUS                                           (2,148)            -5.87          71,077
KAILUA                                           (1,890)           -28.59          30,400
MAUI                                             (1,431)           -11.00          30,461
SOUTHBEND                                          (955)            -2.17          66,317
AUSTIN                                             (765)            -0.46         314,170
ATLANTA                                            (153)            -0.03         906,200




412fe23b-cfb4-4da7-8296-d863dfb410f4.xlsx 4/21/2012 5:14 PM
VARIABLE AND FIXED COST CLASSIFICATION

                                 PERSONNEL OCCUPANCY
EMPLOYEES OVERTIME                VARIABLE      EMPLOYEES SALARIES                          FIXED
APPRAISER COMPENSATION            VARIABLE      REGIONAL MANAGER SALARIES                   FIXED
EMPLOYEE BONUS                    VARIABLE
DEFERRED ORIG. COMPENSATION       VARIABLE
NET BRANCH MNGR INCENTIVE         VARIABLE
NET BRANCH PROFITS                VARIABLE
REGIONAL MANAGER OVERRIDES        VARIABLE
WHOLESALE BMI                     VARIABLE
CORRESPONDENT OVERRIDES           VARIABLE
CORRESPONDENT OVERRIDES NONPRIME VARIABLE
ORIGINATOR BONUS                  VARIABLE
DRAW/SALARY EXCESS                VARIABLE
EXCESS DRAWS 1995                 VARIABLE
DRAWS IN EXCESS OF COMMISSIONS    VARIABLE
CORRESPONDENT OVERAGES            VARIABLE
RETAIL BRANCH MANAGER INCENTIVE   VARIABLE
COMMISSIONS - MORTGAGE            VARIABLE
COMMISSIONS - SERVICING VALUE     VARIABLE
COMMISSIONS - ORIGINATION FEES    VARIABLE
COMMISSIONS- PRICING ADJUSTMENTS  VARIABLE
COMMISSIONS - OTHER FEES          VARIABLE
COMMISSIONS-REVENUE SHARING       VARIABLE
COMMISSIONS - OVERAGES ADJMTS     VARIABLE
COMMISSIONS - NONPRIME            VARIABLE
COMMISSIONS - BROKERED LOANS      VARIABLE

                                           EMPLOYEE BENEFITS
MATCHED SAVINGS PLAN                       VARIABLE      OFFICERS LIFE INSURANCE            FIXED
SAVINGS RETIREMENT EXP                     VARIABLE      GROUP INSURANCE - HMO              FIXED
PAYROLL TAXES                              VARIABLE      GROUP INSURANCE                    FIXED

                                           OCCUPANCY EXPENSE
                                                         RENTAL SPACE                       FIXED
                                                         UTILITIES EXPENSE                  FIXED

                                      EQUIPMENT EXP, MAINT. & DEPR.
                                                           EQUIPMENT RENTAL                 FIXED
                                                           EQUIPMENT CONTRACT MAINTENANCE   FIXED
                                                           EQUIPMENT REPAIRS                FIXED
                                                           DEPRECIATION                     FIXED

                                             OFFICE EXPENSE
POSTAGE                                    VARIABLE       OFFICE EXPENSES                   FIXED
POSTAGE COURIER SERVICE                    VARIABLE       TELEPHONE                         FIXED
                                                          PAYROLL SERVICE                   FIXED
                                                          BUILDING REPAIRS & MAINT.         FIXED

                                TRAVEL, ENTERTAINMENT & AUTO EXPENSE
TRAVEL                                   VARIABLE        AUTO OPERATING EXPENSE             FIXED
MEETINGS AND SEMINARS                    VARIABLE        AUTO ALLOWANCES                    FIXED
PROMOTION & ENTERTNMT-50%                VARIABLE
MEALS - TRAVEL                           VARIABLE
PROMOTION & ENTRTNMT-100%                VARIABLE
AUTO RENTAL                              VARIABLE

                                             OTHER EXPENSE
PROPERTY INSPECTION FEES                   VARIABLE       DIRECTOR FEES                     FIXED
ASSIGNMENT FEES                            VARIABLE       ALLOCATED ACCOUNTING              FIXED
EMPLOYMENT FEES                            VARIABLE       ALLOCATED AUDIT                   FIXED
EDUCATIONAL CLASSES                        VARIABLE       ALLOCATED LEGAL                   FIXED
OUTSIDE SERVICES                           VARIABLE       ALLOCATED OTHER                   FIXED
AUTOMATED U/W                              VARIABLE       ADMINISTRATION FEES               FIXED
VA REFINANCE CLOSING FEE                   VARIABLE       MANAGEMENT FEES                   FIXED
TEMPORARY SERVICES                         VARIABLE       PROFESSIONAL FEES                 FIXED
EMPLOYEE RELOCATION EXP.                   VARIABLE       ADVERTISING                       FIXED
NON ALLOWABLE CHARGES                      VARIABLE       ADVERTISING LN AUD                FIXED
MISCELLANEOUS EXPENSE                      VARIABLE       INSURANCE EXPENSE                 FIXED
CONTRIBUTIONS                              VARIABLE       PERSONAL PROPERTY TAX             FIXED
APPRAISALS - AUDIT                         VARIABLE       TAX SERVICE CHARGES               FIXED
APPRAISALS                                 VARIABLE       I/C CUSTOD POOL FEES              FIXED
CREDIT REPORT                              VARIABLE       NCBK CUSTODIAL FEES               FIXED
COMP MICROFILM SERV                        VARIABLE       MTG SERV EXPENSE                  FIXED
FLOOD CERTIFICATION                        VARIABLE       MTG SERV EXPENSE - P&I            FIXED
GOVERNMENT LATE CHARGES                    VARIABLE       AMORTIZED OTHER FEES EXPENSE      FIXED
                                                          AMORTIZED SOFTWARE                FIXED
                                                          MAINTENANCE FEE SOFTWARE          FIXED
                                                          OTHER BANK SERVICE CHARGES        FIXED
                                                          GNMA POOL RES INT                 FIXED
                                                          GNMA POOL LOSSES/FORECLOSURES     FIXED
                                                          CONSTRUCTION LOAN LOSSES          FIXED
                                                          PORTFOLIO LOAN LOSS               FIXED
                                                          PORTFOLIO LOAN LOSS NON PRIME     FIXED
                                                          APMC - GOODWILL AMORT.            FIXED
                                                          INTEREST EXPENSE                  FIXED
                                                          TUITION REIMBURSEMENT             FIXED
                                                          DUES AND SUBSCRIPTIONS            FIXED


    412fe23b-cfb4-4da7-8296-d863dfb410f4.xlsx 4/21/2012 5:14 PM
FROM NEC REPORT
                                                    PASTE VALUES HERE
     1   Dept Code
     2
     3   3 MONTHS 2000
     4
     5   APPLICATION VOLUME ($)                          83110-
     6   CLOSING VOLUME ($)                       81110..81810-
     7   BROKERED LOANS TYPE "A"                         81810-
     8   NON PRIME                                       81910-
     9
    10   NET CLOSING VOLUME
    11
    12   DIRECT VARIABLE COSTS:
    13   PRICING ADJUSTMENTS                             328**-
    14   BRANCH DIRECT INCOME                             3****-
    15   BRANCH DIRECT EXPENSES                           4****-
    16   NET BRANCH INCOME/(LOSS)
    17   APPRAISAL DEPARTMENTS (NET)
    18
    19   ALLOCATION OF INDIRECT VARIABLE COSTS:
    20   HOME OFFICE INDIRECT COSTS
    21   HOME OFFICE INDIRECT BENEFITS
    22   REGIONAL COSTS
    23
    24   TOTAL VAR. COST TO CREATE SERVICING
    25
    26   CONTRIBUTION ANALYSIS:
    27   SERVICING VALUE CREATED                         86***-
    28   COST TO CREATE SERVICING
    29   COST OF PURCHASED SERVICING              88110..89510-
    30   FLOAT EARNINGS
    31
    32   NET ECONOMIC CONTRIBUTION
    33
    34    MARKETING GAIN
    35    NET INTEREST MARGIN
    36
    37   TOTAL ECONOMIC CONTRIBUTION
 03500-30-02     03520-30-02     03200-30-02        03320-30-02    03210-30-02    03220-30-02
        2000            2000            2000               2000           2000           2000
ARDEN HILLS     BURNSVILLE     FORT WAYNE      NEW CENTRAL #1     GREENWOOD        INDY EAST

   10,182,446     12,724,159       7,300,946                 0        4,278,131     7,855,665
    9,678,667      4,326,543       3,719,523                 0        2,406,975     5,690,035
   -2,475,943        -16,000        -909,829                 0                0             0
            0              0         116,900                 0                0             0

    7,202,724      4,310,543       2,926,594                 0        2,406,975     5,690,035


      -34,085          4,566         -10,103                 0           -5,792        -5,932
      131,885         56,063          67,740                 0           27,886        71,343
     -226,330       -135,743        -121,077                 0          -89,791      -167,384
      -94,445        -79,680         -53,337                 0          -61,906       -96,041
       -1,894         -1,421             -23                 0           -2,081        -5,463


      -58,368        -43,776         -36,480                 0          -25,015       -65,664
       -3,158         -2,369          -1,343                 0             -921        -2,418
       -3,517         -2,638          -2,198                 0           -1,507        -3,957

   ($195,468)     ($125,317)      ($103,484)                $0        ($97,222)    ($179,474)


      121,923         70,373          42,080                 0           46,837       104,853
     -195,468       -125,317        -103,484                 0          -97,222      -179,474
            0              0               0                 0                0             0
        4,447          2,886           1,356                 0            1,229         3,006

      -69,098        -52,059         -60,048                 0          -49,156       -71,616

      17,992          10,767           7,310                 0           6,012         14,213
       6,016           3,600           2,444                 0           2,010          4,753

      -45,090        -37,691         -50,294                 0          -41,133       -52,650
 03230-30-02   03240-30-02    03310-30-02    03245-30-02   03250-30-02   03300-30-02
        2000          2000           2000           2000          2000          2000
INDY NORTH     INDY WEST     KALAMAZOO         KOKOMO      LAFAYETTE       LANSING

  13,469,168     7,565,391      1,902,914     11,772,451     8,161,533     3,051,145
   9,544,782     5,191,628      1,357,922      4,540,576     5,594,487       748,214
     -46,111             0              0       -146,700             0      -240,100
           0             0              0              0             0             0

   9,498,671     5,191,628      1,357,922      4,393,876     5,594,487       508,114


     -49,206       -23,672           -129          3,290        -6,317        -1,274
     120,711        66,596         14,983         53,531        55,584        14,503
    -292,411      -131,607        -74,294       -112,447      -165,187       -83,220
    -171,700       -65,011        -59,311        -58,916      -109,602       -68,717
      -7,977        -4,943           -954         -5,116         3,074             0


     -95,891       -59,411        -11,465        -61,495       -61,495        -6,254
      -3,531        -2,187           -422         -2,264        -2,264          -230
      -5,778        -3,580           -691         -3,706        -3,706          -377

  ($334,084)    ($158,804)       ($72,972)    ($128,207)    ($180,311)     ($76,852)


     159,380        82,830         20,419         82,533        80,893         8,489
    -334,084      -158,804        -72,972       -128,207      -180,311       -76,852
           0             0              0              0             0             0
       4,366         2,113            666          2,492         1,305           321

    -170,338       -73,862        -51,887        -43,182       -98,113       -68,042

      23,726        12,968          3,392         10,975        13,974         1,269
       7,934         4,336          1,134          3,670         4,673           424

    -138,677       -56,557        -47,361        -28,536       -79,466       -66,348
03900-30-02     03550-30-02    03260-30-02    03270-30-02      03262-30-02   02210-20-02
       2000            2000           2000           2000             2000          2000
  MADISON     MINNEAPOLIS     NEW CONST.     SOUTH BEND      NEW CONST. II GREENSBORO

  3,053,301      11,742,802     38,950,910      5,814,033         9,949,837   20,145,804
  1,934,469       4,016,256     19,690,271      4,149,467         5,832,802   11,216,052
          0        -154,389       -220,936              0                 0            0
          0               0         28,700        255,000                 0      165,200

  1,934,469       3,861,867     19,498,035      4,404,467         5,832,802   11,381,252


       -754           8,720         17,866          4,107            11,636       21,087
     25,409          52,227        250,058         47,411            67,032      115,567
    -69,215        -161,018       -539,392       -129,201          -160,068     -322,681
    -43,806        -108,791       -289,333        -81,790           -93,036     -207,114
          0          -1,116        -15,348         -2,601                 0            0


    -14,592         -34,396       -184,485        -56,284           -48,988     -116,737
       -790          -1,861         -6,793         -2,072            -1,804       -6,347
       -879          -2,073        -11,117         -3,392            -2,952      -22,783

  ($60,821)      ($139,517)     ($489,210)      ($142,031)       ($135,144)    ($331,894)


     31,442          47,869        362,977         76,728           120,161      242,844
    -60,821        -139,517       -489,210       -142,031          -135,144     -331,894
          0               0         -3,060              0                 0            0
        844           2,290          9,930          1,904                82        6,249

    -28,535         -89,357       -119,363        -63,399           -14,900      -82,800

      4,832           9,646         48,704         11,002           14,570        28,429
      1,616           3,226         16,286          3,679            4,872         9,506

    -22,087         -76,485        -54,374        -48,719            4,541       -44,865
    02215-20-02    02220-20-02  02260-20-02   02230-20-02 02280-20-02     02250-20-02
           2000           2000         2000          2000        2000            2000
NEWPORT NEWS         RALEIGH NEW SO ATL. #1        CARY CHESAPEAKE       WILMINGTON

       5,750,606    26,469,724           0             0     6,215,652       8,584,189
       6,286,553    21,059,596           0        90,951     3,599,232       3,787,485
        -172,500      -842,208           0             0      -330,000      -2,038,588
         345,400       899,500           0             0        57,000          76,500

       6,459,453    21,116,888           0        90,951     3,326,232      1,825,397


          -8,963        42,489           0        -1,835       -10,428          8,726
          69,637       245,835           0         1,208        42,592         66,645
        -153,116      -522,593           0       -22,184      -104,736       -141,124
         -83,480      -276,758           0       -20,976       -62,145        -74,479
               0        -3,931           0             0             0              0


         -63,580      -181,359           0         -1,042      -29,184        -20,846
          -3,457        -9,860           0            -57       -1,587         -1,133
         -12,409       -35,395           0           -203       -5,696         -4,068

      ($171,888)    ($464,814)          $0      ($24,114)   ($109,039)       ($91,800)


         106,277       409,099           0         2,092        55,632         33,713
        -171,888      -464,814           0       -24,114      -109,039        -91,800
               0             0           0             0             0              0
             195        11,053           0            28           485            136

         -65,415       -44,662           0       -21,994       -52,923        -57,951

         16,135        52,747            0           227        8,309           4,560
          5,395        17,638            0            76        2,778           1,525

         -43,885       25,723            0       -21,690       -41,836        -51,867
05100-50-02    05200-50-02  05260-50-02    05120-50-02    05400-50-02 05270-50-02
       2000           2000         2000           2000           2000        2000
COLUMBIA      FREDERICK. RICHMOND-VA       ROCKVILLE     ROCKY HILL SPRINGFIELD

  4,119,665      3,660,346    3,657,063      8,082,982      7,075,251    3,878,624
  2,920,353      2,067,964    2,460,780      2,516,930      4,935,591    2,205,416
   -529,100              0     -121,500       -191,200     -2,287,610     -538,050
          0              0      221,900              0              0            0

  2,391,253      2,067,964    2,561,180      2,325,730     2,647,981     1,667,366


    -11,707         -5,618       37,359        -12,275         8,198           770
     39,432         17,979       30,772         31,998        93,148        25,337
   -144,224        -81,339     -149,441       -109,057      -159,167      -107,156
   -104,791        -63,360     -118,669        -77,059       -66,018       -81,819
       -846              0            0           -887             0             0


    -21,888        -21,888      -31,269        -22,930       -26,057       -14,592
     -1,190         -1,190       -1,700         -1,247        -1,417          -793
      3,770          3,770        5,386          3,950         4,488         2,513

 ($136,653)      ($88,286)    ($108,892)    ($110,448)      ($80,806)    ($93,921)


     48,777         35,322       48,500         42,499        54,157        33,383
   -136,653        -88,286     -108,892       -110,448       -80,806       -93,921
          0              0            0              0             0             0
        208            213          276            178           371             0

    -87,668        -52,751      -60,117        -67,771       -26,278       -60,538

      5,973         5,166         6,398          5,809         6,614        4,165
      1,997         1,727         2,139          1,943         2,212        1,393

    -79,698        -45,858      -51,580        -60,019       -17,452       -54,980
   05310-50-02  05500-50-02    05300-50-02   06150-60-02 06300-60-02    06500-60-02
          2000         2000           2000          2000        2000           2000
             NEW NO ATL. #2
NEW NO ATL. #1                LANCASTER        CHICAGO CLOCKTOWER          DAYTON

            0             0      4,463,989    29,136,049    3,404,516     7,906,613
            0             0      1,877,648    13,642,801    2,303,591     3,585,276
            0             0              0    -1,664,409   -1,029,489      -184,550
            0             0              0       866,100       31,300        15,000

            0             0      1,877,648    12,844,492    1,305,402     3,415,726


            0             0        -16,833       106,535        1,056         7,365
            0             0         19,762       197,599       45,397        44,240
            0             0        -72,140      -515,981      -94,241      -127,543
            0             0        -52,379      -318,381      -48,844       -83,303
            0             0              0             0            0             0


            0             0        -20,846      -117,779      -17,719       -39,607
            0             0         -1,133        -6,373         -652        -1,458
            0             0          3,591       -22,453       -3,378        -7,551

           $0           $0       ($87,600)    ($358,451)    ($69,537)    ($124,554)


            0             0         34,231       235,768       21,468        64,893
            0             0        -87,600      -358,451      -69,537      -124,554
            0             0              0             0            0             0
            0             0            142         4,843          509           896

            0             0        -53,228      -117,840      -47,560       -58,765

            0             0          4,690       32,084        3,261          8,532
            0             0          1,568       10,728        1,090          2,853

            0             0        -46,969       -75,028      -43,209       -47,380
06100-60-02  06600-60-02   06400-60-02   06260-60-02   06040-60-02  08500-80-02
       2000         2000          2000          2000          2000         2000
 DECATUR  NEW BR. MID-ST    ST. LOUIS      ASHLAND              CORPUS CHRISTI
                                                         DIR LEND

  3,210,997           0     13,251,117     3,203,460    34,475,237   11,753,578
  2,448,051           0      5,248,366       967,459     6,981,961    4,193,808
    -33,150           0     -1,057,271      -245,800    -2,875,671     -536,600
          0           0        140,700       123,700       751,400            0

  2,414,901           0      4,331,795      845,359      4,857,690    3,657,208


      8,649           0        -16,871         3,626        44,773        5,487
     30,976           0         68,657        21,058       221,452       60,673
    -69,624           0       -207,293       -86,079      -409,087     -129,960
    -38,648           0       -138,636       -65,021      -187,635      -69,287
          0           0              0             0             0            0


    -41,692           0        -58,368        -8,338       -74,451      -41,692
     -2,256           0         -3,158          -307        -1,765       -2,513
     -7,948           0        -11,127        -1,590        -9,140       -4,677

  ($81,894)          $0     ($228,161)     ($71,629)    ($228,218)    ($112,682)


     44,483           0         60,941        11,646        65,891       61,652
    -81,894           0       -228,161       -71,629      -228,218     -112,682
          0           0              0             0             0            0
      1,336           0          1,951           111         1,212        1,099

    -36,075           0       -165,269       -59,872      -161,115      -49,931

     6,032            0         10,820         2,112       12,134         9,135
     2,017            0          3,618           706        4,057         3,055

    -28,026           0       -150,831       -57,055      -144,924      -37,741
08420-80-02   08100-80-02   08120-80-02 08130-80-02    08150-80-02
       2000          2000          2000        2000           2000
  EL PASO          MESA       PHOENIX SCOTTSDALE          TUCSON

 12,959,566    22,622,378    19,878,189   35,911,887     3,599,381
  8,501,269    10,352,941    17,409,232   17,170,972     3,539,301
   -451,418      -553,400      -186,700   -9,283,303      -847,100
          0       120,800       360,000            0             0

  8,049,851     9,920,341    17,582,532    7,887,669     2,692,201


     11,261       -12,988        18,901      -26,705        -5,107
    109,396       136,059       207,704      250,280        42,986
   -191,896      -250,803      -357,225     -311,306      -111,000
    -82,500      -114,744      -149,520      -61,025       -68,014
          0        -3,438        -6,296       -2,171             0


   -112,567       -99,018      -181,359      -62,537       -30,226
     -6,785        -5,968       -10,931       -3,769        -1,822
    -12,629       -11,109       -20,347       -7,016        -3,391

 ($203,220)    ($247,265)    ($349,552)   ($163,225)    ($108,561)


    151,943       139,847       254,900      118,015        46,957
   -203,220      -247,265      -349,552     -163,225      -108,561
          0             0             0            0             0
      5,189         5,702        10,848        4,713         1,661

    -46,088      -101,715       -83,804      -40,497       -59,943

     20,108        24,780       43,919       19,702          6,725
      6,724         8,286       14,686        6,588          2,249

    -19,257       -68,650       -25,200      -14,206       -50,969
08300-80-02  08200-80-02 08320-80-02  07100-70-02     07710-77-02  07715-77-02
       2000         2000        2000         2000            2000         2000
         NEW          #1
    TULSA BR. WEST NEW BR. WEST #2 BATON ROUGE                 NEW
                                                     NORTH LOOP BR. SPAN #1

 14,085,064          0            0      1,577,000      7,231,717            0
  6,089,616          0            0      2,851,175      3,248,030            0
   -395,068          0            0              0       -564,598            0
     20,000          0            0              0              0            0

  5,714,548          0            0      2,851,175      2,683,432            0


     -9,704          0            0         21,465         12,798            0
     82,345          0            0         35,201         58,478            0
   -270,267          0            0       -107,404       -184,359            0
   -187,921          0            0        -72,204       -125,881            0
          0          0            0              0              0            0


    -67,749          0            0        -34,756        -34,396            0
     -1,584          0            0              0        -16,056            0
     -7,601          0            0              0        -55,941            0

 ($274,558)         $0           $0      ($85,494)      ($219,476)         $0


    103,827          0            0         58,821         56,864            0
   -274,558          0            0        -85,494       -219,476            0
          0          0            0              0              0            0
      3,133          0            0          1,640          1,771            0

   -167,598          0            0        -25,034       -160,840            0

    14,274           0            0         7,122           6,703            0
     4,773           0            0         2,381           2,241            0

   -148,551          0            0        -15,530       -151,896            0
     07720-77-02                                                 04150-40-02
            2000     BRANCH       WHOLESALE      PRODUCTION             2000
NEW BR. SPAN #2       TOTAL         LENDING           TOTAL          IRVINE

              0    484,085,476     588,176,259   1,072,261,735            0
              0    261,981,015     424,166,392     686,147,407            0
              0    -31,169,290               0     -31,169,290            0
              0      4,595,100      29,408,237      34,003,337            0

              0    235,406,825     453,574,629    688,981,454             0


              0        134,437          62,763         197,199             0
              0      3,535,373       1,343,473       4,878,846             0
              0     -8,171,409      -3,693,875     -11,865,284       -11,324
              0     -4,636,035      -2,350,402      -6,986,437       -11,324
              0        -63,432          -2,658         -66,090             0


              0     -2,458,530      -1,520,514      -3,979,044            0
              0       -130,936        -336,777        -467,713            0
              0       -291,053        -171,478        -462,531            0

             $0    ($7,445,550)   ($4,319,067)   ($11,764,616)     ($11,324)


              0      4,104,229       8,282,932      12,387,161             0
              0     -7,445,550      -4,319,067     -11,764,616       -11,324
              0         -3,060      -5,909,555      -5,912,615             0
              0        105,387         193,536         298,923             0

              0     -3,238,994      -1,752,154      -4,991,148       -11,324

              0        588,017       1,143,607      1,731,624             0
              0        196,621         378,844        575,465             0

              0     -2,454,356        -229,703      -2,684,059       -11,324
04510-40-02   04530-40-02     04220-40-02    04230-40-02   04290-40-02      04300-40-02
       2000          2000            2000           2000          2000             2000
HONOLULU            MAUI    SACRAMENTO         SALINAS        VISALIA    WALNUT CREEK

 13,098,701     3,243,819      20,663,895      5,159,385     4,892,417        14,456,159
 11,455,246     2,248,550      14,171,945      5,494,714     4,464,836         9,010,633
 -2,638,850      -948,000      -7,995,691       -814,100      -180,760        -7,688,150
          0             0         186,100         59,500             0            76,500

  8,816,396     1,300,550       6,362,354      4,740,114     4,284,076         1,398,983


    -69,659         4,508         -18,934         -1,669        -4,454             5,309
    143,430        31,140         141,968         78,288        55,050           108,154
   -165,061       -56,375        -237,321       -129,318      -109,946          -142,632
    -21,631       -25,235         -95,354        -51,030       -54,896           -34,478
     -1,666             0               0              0        -2,194                 0


    -55,241       -10,423         -42,734        -31,269       -51,072            -6,254
     -3,459          -653          -2,676         -1,958        -3,198              -392
    -25,312        -4,776         -19,581        -14,328       -23,402            -2,866

 ($176,969)     ($36,578)       ($179,278)    ($100,253)    ($139,216)         ($38,680)


    137,399        19,296          86,484         61,737        63,840            19,004
   -176,969       -36,578        -179,278       -100,253      -139,216           -38,680
          0             0               0              0             0                 0
          0             0               0              0             0                 0

    -39,570       -17,282         -92,794        -38,516       -75,376           -19,676

     21,398         3,157          15,442         11,505        10,398            3,395
      7,364         1,086           5,314          3,959         3,578            1,168

    -10,807       -13,040         -72,038        -23,052       -61,400           -15,112
04320-40-02      04030-40-02   04795-40-02    04918-45-02  04112-45-02     04800-45-02
       2000             2000          2000           2000         2000            2000
YUBA CITY     INTERNET PRO          RENO     BATTLEGRD  BAKERSFIELD II    BEAVERTON

  5,895,138        3,936,583     8,977,731      2,799,904    6,854,118      18,510,461
  3,691,693        1,318,420     1,945,833      3,419,941    4,605,972      10,291,279
   -733,622          -63,750       -93,500       -585,300     -689,750      -6,792,413
          0                0       276,800              0       54,300               0

  2,958,071        1,254,670     2,129,133      2,834,641    3,970,522       3,498,866


      6,201              225         5,251          8,103       25,432          16,449
     42,982            9,511        29,172         42,652       60,124         117,837
    -89,299          -49,329       -96,669        -67,262     -124,376        -191,650
    -46,317          -39,818       -67,497        -24,610      -64,253         -73,813
          0                0             0              0            0          -4,042


    -36,480          -13,550       -15,634        -19,804      -46,903         -28,142
     -2,284             -848          -979         -1,240       -2,937          -1,762
    -16,716           -6,209        -7,164         -9,079      -21,503         -12,902

  ($95,596)        ($60,199)     ($86,023)      ($46,629)    ($110,164)     ($104,211)


     34,898           19,369        26,183         44,894       66,934          58,514
    -95,596          -60,199       -86,023        -46,629     -110,164        -104,211
          0                0             0              0            0               0
          0                0           142              0            0               0

    -60,698          -40,830       -59,698         -1,735      -43,230         -45,697

      7,180            3,045         5,168         6,880         9,637           8,492
      2,471            1,048         1,778         2,368         3,316           2,922

    -51,048          -36,737       -52,752         7,512       -30,276         -34,283
  04400-45-02 04415-45-02    04420-45-02   04910-45-02   04520-45-02   04820-45-02
         2000        2000           2000          2000          2000          2000
CASTLE ROCKWOODLAND PK          DENVER       EVERETT         KAILUA    PORTLAND

     4,724,855          0      2,881,181     5,064,473     7,315,977     8,048,026
     3,306,803    679,850      2,333,637     3,399,885     2,704,108     5,602,234
    -1,028,500          0       -895,050    -1,538,850    -2,043,100      -966,200
             0          0              0             0             0             0

    2,278,303     679,850      1,438,587     1,861,035      661,008      4,636,034


        7,559       -1,582         4,463         6,028         5,186        73,125
       38,078        6,779        25,758        42,354        42,079       101,630
      -73,671      -12,164       -45,283       -78,197       -59,787      -267,633
      -35,593       -5,385       -19,525       -35,842       -17,708      -166,003
            0            0             0            77             0             0


      -12,507       -4,169        -7,296       -13,550        -5,211       -38,565
         -783         -261          -457          -848          -326        -2,415
       -5,734       -1,911        -3,345        -6,212        -2,389       -17,680

     ($47,059)   ($13,309)     ($26,160)     ($50,348)     ($20,450)    ($151,538)


       28,988       10,633        17,773        30,824        10,633        99,205
      -47,059      -13,309       -26,160       -50,348       -20,450      -151,538
            0            0             0             0             0             0
        1,895          296         2,027             0             0             0

      -16,176       -2,379        -6,360       -19,524        -9,817       -52,333

        5,530       1,650          3,492         4,517         1,604        11,252
        1,903         568          1,202         1,554           552         3,872

        -8,744       -161         -1,666       -13,452        -7,660       -37,209
04815-45-02      04215-45-02   04115-45-02   04275-45-02   04315-45-02 04912-45-02
       2000             2000          2000          2000          2000        2000
DAMASCUS      RICHMOND-CA         COVINA     TEMECULA          YREKA MTLAKE TERR

  1,201,850       15,548,956    14,173,806     3,787,230     2,987,320    4,513,889
    350,300        8,680,146    13,761,203     3,035,965     1,984,839    2,898,872
   -252,700       -2,928,095    -3,392,665      -195,000      -480,200     -889,994
          0                0             0             0             0            0

     97,600        5,752,051    10,368,538     2,840,965     1,504,639    2,008,878


        488          100,815         6,765        -5,997         6,411       28,932
      5,483          175,202       191,904        38,716        24,770       41,104
     -6,519         -311,883      -252,214       -77,026       -48,174      -93,794
     -1,036         -136,681       -60,310       -38,310       -23,404      -52,689
          0                0             0             0            83            0


     -1,042          -38,565       -72,960       -23,973       -14,592      -12,507
        -65           -2,415        -4,568        -1,501          -914         -783
       -478          -17,680       -33,449       -10,990        -6,690       -5,734

   ($2,133)        ($94,525)    ($164,522)     ($80,771)     ($39,106)    ($42,782)


      1,473           65,154       124,252        48,242        23,283       41,696
     -2,133          -94,525      -164,522       -80,771       -39,106      -42,782
          0                0             0             0             0            0
          0                0             0             0             0            0

       -660          -29,371       -40,270       -32,529       -15,823       -1,086

       237            13,961        25,166         6,895        3,652        4,876
        82             4,804         8,660         2,373        1,257        1,678

       -342          -10,606        -6,445       -23,261       -10,915       5,468
04280-45-02                                                               2000
       2000      RETAIL           NET          TOTAL           TOTAL
  VENTURA        TOTAL          TOTAL         PACIFIC             IMC

  8,016,624    80,323,828   106,428,670    186,752,498    1,259,014,233
  6,073,137    53,801,870    73,128,171    126,930,041      814,948,516
 -3,451,219   -21,156,423   -26,129,036    -47,285,459      -78,454,749
          0       598,900        54,300        653,200       46,976,291

  2,621,918   33,244,347     47,053,435     80,297,782     783,470,058


      7,089       -73,222       289,265        216,043          415,963
     81,398       639,695     1,035,867      1,675,562        6,154,721
   -110,072    -1,087,274    -1,819,704     -2,906,978      -16,471,332
    -28,674      -447,579      -783,837     -1,231,416      -10,316,611
          0        -3,860        -3,882         -7,743          -73,833


    -14,592     -262,657       -354,379       -617,036       -4,855,459
       -914      -16,446        -22,189        -38,634         -506,347
     -6,690     -120,352       -162,466       -282,818         -745,349

  ($43,781)    ($924,116)   ($1,037,487)   ($1,961,604)   ($16,081,636)


     39,811      468,210        712,309      1,180,519       13,603,647
    -43,781     -924,116     -1,037,487     -1,961,604      -16,081,636
          0            0              0              0       -5,912,615
          0          142          4,219          4,360          304,294

     -3,970     -455,764       -320,960       -776,724       -8,086,311

      6,364       80,687        114,204        194,891       2,562,724
      2,190       27,767         39,301         67,068       2,368,420

      4,583     -347,310       -167,455       -514,765       -3,155,167
 CENTRAL NO. ATLANTIC SO. ATLANTIC               SOUTHWEST WESTERN
                                          MID-STATES
  REGION REGION       REGION              REGION REGION    REGION

157,774,832    34,937,920    67,165,975   ######    1,577,000   120,810,043
 88,422,616    18,984,682    46,039,869   ######    2,851,175    67,257,139
 -4,210,008    -3,667,460    -3,383,296   ######            0   -12,253,589
    400,600       221,900     1,543,600   ######            0       500,800

 84,613,209    15,539,122    44,200,173 ######      2,851,175    55,504,350


    -87,077          -105        51,076   110,361      21,465       -18,855
  1,122,961       258,427       541,483   407,927      35,201       889,443
 -2,658,385      -822,523    -1,266,434   ######     -107,404    -1,622,455
 -1,535,423      -564,096      -724,951   ######      -72,204      -733,012
    -45,863        -1,733        -3,931         0           0       -11,905


   -864,059      -159,470      -412,747 ######        -34,756      -595,148
    -34,427        -8,670       -22,440 -14,204             0       -33,372
    -52,068        27,469       -80,555 -54,047             0       -66,771

($2,618,917)   ($706,606)   ($1,193,549) ######     ($85,494)   ($1,459,063)


  1,459,787       296,869       849,657 439,199        58,821       877,141
 -2,618,917      -706,606    -1,193,549 ######        -85,494    -1,459,063
     -3,060             0             0       0             0             0
     39,237         1,387        18,147   9,646         1,640        32,346

 -1,122,954      -408,350      -325,744 ######        -25,034      -549,576

    211,353       38,815        110,407    62,841      7,122        138,643
     70,672       12,979         36,918    21,013      2,381         46,359

   -840,928      -356,556      -178,420 ######        -15,530      -364,574
SPANISH             PACIFIC          DIRECT           TOTAL            WHOLESALE        CONSUMER
REGION              REGION           LENDING          RETAIL           REGION           LENDING

     7,231,717        186,752,498       34,475,237      670,837,974      588,176,259               0
     3,248,030        126,930,041        6,981,961      388,911,056      424,166,392       1,871,068
      -564,598        -47,285,459       -2,875,671      -78,454,749                0               0
             0            653,200          751,400        5,248,300       29,408,237      46,976,291

     2,683,432         80,297,782        4,857,690      315,704,607      453,574,629      48,847,359


        12,798             216,043          44,773          350,480           62,763            2,721
        58,478           1,675,562         221,452        5,210,935        1,343,473         -399,687
      -184,359          -2,906,978        -409,087      -11,078,387       -3,693,875       -1,699,070
      -125,881          -1,231,416        -187,635       -5,867,452       -2,350,402       -2,098,757
             0              -7,743               0          -71,174           -2,658                0


          -34,396        -617,036          -74,451       -3,075,566       -1,520,514        -259,379
          -16,056         -38,634           -1,765         -169,570         -336,777               0
          -55,941        -282,818           -9,140         -573,871         -171,478               0

     ($219,476)       ($1,961,604)       ($228,218)     ($9,407,153)     ($4,319,067)    ($2,355,416)


        56,864           1,180,519          65,891        5,284,748        8,282,932           35,967
      -219,476          -1,961,604        -228,218       -9,407,153       -4,319,067       -2,355,416
             0                   0               0           -3,060       -5,909,555                0
         1,771               4,360           1,212          109,747          193,536            1,010

      -160,840           -776,724         -161,115       -4,015,719       -1,752,154       -2,318,439

           6,703          194,891           12,134          782,908        1,143,607         636,209
           2,241           67,068            4,057          263,689          378,844         898,206

      -151,896           -514,765         -144,924       -2,969,121         -229,703        -784,023
                             09900-90-09        09600-90-099500-90-09
                                            09100-90-09    0
            2000                       2000 ###       2000          2000
TOTAL                        INDY WHOL          FLA WHOLNEW WHOL
                                            ATL WHOL

  1,259,014,233                   36,780,433 ### ########       57,834,279
    814,948,516                   27,083,365 ### ########       43,884,596
    -78,454,749                            0   0         0               0
     46,976,291                    1,667,800 ### 2,393,300       4,939,000

   783,470,058                    28,751,165 ### ########       48,823,596


        415,963                       40,675   ###    109,874      -51,609
      6,154,721     0.79%             49,420   ###    307,138      174,505
    -16,471,332                     -152,699   ###   -973,496     -380,160
    -10,316,611                     -103,278   ###   -666,358     -205,655
        -73,833     -0.01%                 0   ###          0            0


     -4,855,459     -0.62%           -90,568 ###     -559,608     -138,429
       -506,347     -0.07%           -29,626 ###      -64,048      -60,491
       -745,349     -0.10%           -10,214 ###      -63,111      -15,612

  ($16,081,636)     -2.05%         ($193,012) ### ########      ($471,795)


     13,603,647      1.74%           587,638   ### 2,679,254       751,158
    -16,081,636     -2.05%          -193,012   ### ########       -471,795
     -5,912,615     -0.76%          -508,505   ### ########       -508,674
        304,294      0.04%             7,670   ###    77,867         7,006

     -8,086,311         0           -106,209 ###     -354,943     -222,305

        2,562,724                     72,491 ###     326,899      123,100
        1,540,739                     24,014 ###     108,292       40,779

     -3,982,848                       -9,704 ###      80,248       -58,426
09300-90-09    09200-90-09    09400-90-09    09150-90-09    09700-90-09    09800-90-09
          2000           2000           2000           2000           2000           2000
ENGL WHOL      DAL WHOL       HOU WHOL       BTR WHOL       AUS WHOL       SAN DIEGO WHOL

   111,309,873    25,456,257     29,353,500    27,056,730    20,038,234     57,040,930
    80,231,350    18,319,052     20,552,113    18,390,320    14,345,494     30,888,995
             0             0              0             0             0              0
     2,286,200     3,536,900      3,983,600       532,600     2,366,700         59,200

    82,517,550    21,855,952     24,535,713    18,922,920    16,712,194     30,948,195


         1,494       -10,550        -45,961        16,873        14,542         31,038
       134,885       121,124        108,867        39,450        97,078         75,830
      -598,954      -203,761       -287,255      -168,635      -201,658       -298,297
      -464,069       -82,637       -178,387      -129,185      -104,580       -222,467
             0             0              0             0             0              0


      -232,311       -71,792        -66,269       -77,682       -49,702        -87,623
       -69,040        -6,813        -33,849       -12,414        -1,480        -19,217
       -26,199        -8,096         -7,474        -8,761        -5,605         -9,882

    ($790,125)    ($179,889)     ($331,940)    ($211,170)     ($146,826)    ($308,150)


     1,554,366       376,419        351,090       358,969       233,125        602,948
      -790,125      -179,889       -331,940      -211,170      -146,826       -308,150
    -1,139,527      -255,334       -236,579      -241,517      -143,851       -456,034
        33,676        10,435         13,184        11,741         8,048              0

      -341,611       -48,369       -204,245       -81,977       -49,504       -161,236

      208,053         55,106        61,862         47,711        42,137         78,030
       68,922         18,255        20,493         15,805        13,959         25,849

       -64,635        24,992       -121,890       -18,461         6,591        -57,357
                   *****-17-07                00797-17-06                           *****-17-07
           2000                       2000                  2000          2000            1,999
TOTAL              NONPRIME                   MFG HSG              CLD TOTALS      NONPRIME

  588,176,259                             0                 0                 0           -
  424,166,392                             0         1,871,068         1,871,068           -
            0                             0                 0                 0           -
   29,408,237                    46,421,547           554,744        46,976,291    95,088,766

  453,574,629                    46,421,547         2,425,812        48,847,359    95,088,766


       62,763                       -35,874            38,595              2,721        88,751
    1,343,473                      -441,451            41,763           -399,687      (652,841)
   -3,693,875                    -1,453,024          -246,047         -1,699,070    (4,024,713)
   -2,350,402                    -1,894,474          -204,283         -2,098,757    (4,677,555)
       -2,658                             0                 0                  0           -


   -1,520,514                      -246,498           -12,881          -259,379       (870,970)
     -336,777                             0                 0                 0            -
     -171,478                             0                 0                 0            -

  ($4,319,067)              ($2,176,847)            ($178,569)      ($2,355,416)    (5,459,774)


    8,282,932                             0            35,967             35,967           -
   -4,319,067                    -2,176,847          -178,569         -2,355,416    (5,459,774)
   -5,909,555                             0                 0                  0           -
      193,536                             0             1,010              1,010           384

   -1,752,154                    -2,176,847          -141,592         -2,318,439    (5,459,391)

    1,143,607                      644,884              -8,675          636,209      2,831,198
      378,844                      853,601              44,606          898,206      3,546,562

        -229,703                   -678,362          -105,661          -784,023       918,369
00797-17-06
      1,999          1,999
  MFG HSG      CLD TOTALS

        -               -
  1,389,854       1,389,854
        -               -
  8,209,499     103,298,266

  9,599,353     104,688,120


    363,320         452,071
   (110,472)       (763,313)
   (933,182)     (4,957,895)
 (1,043,653)     (5,721,208)
        -               -


    (87,926)       (958,896)
        -               -
        -               -

   (768,259)     (6,228,033)


        -               -
   (768,259)     (6,228,033)
        -               -
        502             885

   (767,757)     (6,227,148)

    285,814       3,117,012
    358,031       3,904,593

   (123,913)       794,456

				
DOCUMENT INFO
Shared By:
Categories:
Tags:
Stats:
views:20
posted:4/22/2012
language:
pages:25