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. Loan Performance Summary. | ROI: | 0.26% (+-0.1%) | | Rate of Loss: | 9.93% | | Total Lent: | 603 loans, $1,029,607 | | Remaining: | $0 | | Net Gain: | $3,956 (+-$1,510) | | Credit Grade: | D2 | | Interest Rate: | 12.17% | | Loan Age: | 36 months |
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| Loan Breakdown | Loans | Remaining | Original Principal | | Current: | 0 | $0 | $0 | | Issued: | 0 | $0 | $0 | | Loans Paid off: | 445 | $0 | $768,732 | | Current(everlate): | | $0 | $0 | | Payment Plan: | 0 | $0 | $0 | | Late 1-15: | 0 | $0 | $0 | | Late 16-30: | 0 | $0 | $0 | | Late 31-120: | 0 | $0 | $0 | | Defaults: | 158 | $151,011 | $260,875 | | Losses on delinquent loans are calculated according to the following table: | | Current(everlate): 0%-10% loss | | Payment Plan: 20%-80% loss | | 1-15 day late: 0%-50% loss | | 16-30 day late: 20%-80% loss | | 31-120 day late: 50%-100% loss | | defaulted: 98%-100% loss |
| | Average Loan Profile (weighted by loan size) | | Loan Size: | $7946 | Inquiries: | 2.9 | | Monthly Income: | $5704 | Credit History: | 11 yrs | | Open Lines: | 9 | Total Lines: | 18 | | % Utilization: | 49% | Revolving Debt: | $19816 | | Average DTI: | 11% | Has Mortgage: | 35.9% | | 2yr DQ's > 0: | 15.5% | Owns Home: | 8.8% | | Public Records > 0: | 5.4% | Renter: | 52.9% |
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Complete Performance Breakdown (for billed loans made from Jan/2007-Dec/2007) xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx
| | Grade | | ROI | | Loss | | Age(m) |
| Total Lent | | Current |
| Paid Off | | Late | | Defaulted | | All | 0.3% | 9.9% | 36 | (603) | $1,029,607 | (0) | $0 | (445) | $768,732 | (0) | $0 | (158) | $151,011 | | A | 6.1% | 0.8% | 36 | (78) | $153,739 | (0) | $0 | (74) | $149,528 | (0) | $0 | (4) | $1,547 | | B | 2.1% | 6.1% | 36 | (98) | $146,488 | (0) | $0 | (82) | $126,813 | (0) | $0 | (16) | $12,808 | | C | 1.7% | 7.7% | 36 | (141) | $171,273 | (0) | $0 | (107) | $130,677 | (0) | $0 | (34) | $20,636 | | D | -0.7% | 11.1% | 36 | (99) | $166,582 | (0) | $0 | (68) | $117,036 | (0) | $0 | (31) | $27,626 | | E | 0.5% | 11.4% | 36 | (100) | $174,087 | (0) | $0 | (69) | $119,803 | (0) | $0 | (31) | $30,624 | | F | -5.7% | 17.9% | 36 | (52) | $137,738 | (0) | $0 | (27) | $81,675 | (0) | $0 | (25) | $37,348 | | G | -4.3% | 17.9% | 36 | (35) | $79,700 | (0) | $0 | (18) | $43,200 | (0) | $0 | (17) | $20,422 | | | Year | | ROI | | Loss | | Age(m) |
| Total Lent | | Current |
| Paid Off | | Late | | Defaulted | | 2007 | 0.3% | 9.9% | 36 | (603) | $1,029,607 | (0) | $0 | (445) | $768,732 | (0) | $0 | (158) | $151,011 | | | DTI | | ROI | | Loss | | Age(m) |
| Total Lent | | Current |
| Paid Off | | Late | | Defaulted | | 0% | -7.3% | 15.4% | 36 | (18) | $26,785 | (0) | $0 | (10) | $18,237 | (0) | $0 | (8) | $5,746 | | >0-5% | 2.6% | 6.3% | 36 | (153) | $269,706 | (0) | $0 | (120) | $226,384 | (0) | $0 | (33) | $25,193 | | >5-10% | -2.5% | 11.7% | 36 | (135) | $201,363 | (0) | $0 | (102) | $148,550 | (0) | $0 | (33) | $33,799 | | >10-15% | 1.9% | 9.1% | 36 | (120) | $213,813 | (0) | $0 | (90) | $157,978 | (0) | $0 | (30) | $28,732 | | >15-20% | 1.8% | 9% | 36 | (108) | $170,348 | (0) | $0 | (76) | $120,743 | (0) | $0 | (32) | $23,548 | | >20-25% | -4% | 15.8% | 36 | (53) | $111,185 | (0) | $0 | (36) | $69,435 | (0) | $0 | (17) | $27,105 | | >25-30% | -1.3% | 14.1% | 36 | (16) | $36,407 | (0) | $0 | (11) | $27,405 | (0) | $0 | (5) | $6,888 | | | Home | | ROI | | Loss | | Age(m) |
| Total Lent | | Current |
| Paid Off | | Late | | Defaulted | | Owner | 1.1% | 9% | 36 | (52) | $90,460 | (0) | $0 | (38) | $69,405 | (0) | $0 | (14) | $12,439 | | Renter | 2% | 8.5% | 36 | (338) | $544,605 | (0) | $0 | (259) | $422,229 | (0) | $0 | (79) | $70,050 | | Mortgage | -2.6% | 12.5% | 36 | (206) | $369,811 | (0) | $0 | (142) | $255,823 | (0) | $0 | (64) | $65,367 | | Other | -1.4% | 8.3% | 36 | (7) | $24,731 | (0) | $0 | (6) | $21,275 | (0) | $0 | (1) | $3,155 | | | Purpose | | ROI | | Loss | | Age(m) |
| Total Lent | | Current |
| Paid Off | | Late | | Defaulted | | Car | 3.8% | 5.5% | 36 | (13) | $29,309 | (0) | $0 | (10) | $25,759 | (0) | $0 | (3) | $2,407 | | Credit Card | 3.4% | 7.2% | 36 | (87) | $137,885 | (0) | $0 | (75) | $109,310 | (0) | $0 | (12) | $14,321 | | Debt Con. | 1.4% | 9.6% | 36 | (207) | $402,358 | (0) | $0 | (152) | $305,075 | (0) | $0 | (55) | $57,976 | | Educational | 9% | 1.4% | 36 | (36) | $53,956 | (0) | $0 | (30) | $49,581 | (0) | $0 | (6) | $1,141 | | Home Imp. | -1.7% | 10.1% | 36 | (36) | $63,983 | (0) | $0 | (23) | $46,522 | (0) | $0 | (13) | $7,833 | | House | -4.4% | 13.8% | 36 | (8) | $18,431 | (0) | $0 | (6) | $10,881 | (0) | $0 | (2) | $3,700 | | Major Pur. | -5.9% | 14.2% | 36 | (10) | $10,643 | (0) | $0 | (7) | $6,924 | (0) | $0 | (3) | $2,198 | | Medical | -1% | 12.3% | 36 | (9) | $11,512 | (0) | $0 | (7) | $8,212 | (0) | $0 | (2) | $1,886 | | Moving | -4.8% | 13.7% | 36 | (15) | $19,799 | (0) | $0 | (7) | $12,588 | (0) | $0 | (8) | $4,190 | | Other | -0.1% | 8.8% | 36 | (113) | $154,251 | (0) | $0 | (87) | $121,918 | (0) | $0 | (26) | $20,104 | | Business | -7% | 17.5% | 36 | (56) | $108,953 | (0) | $0 | (32) | $59,485 | (0) | $0 | (24) | $30,786 | | Vacation | -1.3% | 8.1% | 36 | (4) | $7,225 | (0) | $0 | (3) | $5,900 | (0) | $0 | (1) | $755 | | Wedding | -18.8% | 25.9% | 36 | (9) | $11,302 | (0) | $0 | (6) | $6,577 | (0) | $0 | (3) | $3,714 | | | Inquiries | | ROI | | Loss | | Age(m) |
| Total Lent | | Current |
| Paid Off | | Late | | Defaulted | | 0 | 4.7% | 4.9% | 36 | (202) | $319,040 | (0) | $0 | (174) | $272,514 | (0) | $0 | (28) | $23,205 | | 1 | 4.4% | 5.8% | 36 | (122) | $198,131 | (0) | $0 | (95) | $168,437 | (0) | $0 | (27) | $16,533 | | 2 | -2.4% | 12.9% | 36 | (73) | $127,586 | (0) | $0 | (49) | $84,014 | (0) | $0 | (24) | $24,560 | | 3 | -4.2% | 14.4% | 36 | (60) | $111,622 | (0) | $0 | (40) | $66,991 | (0) | $0 | (20) | $25,107 | | 4 | -6.6% | 17% | 36 | (41) | $74,795 | (0) | $0 | (28) | $52,070 | (0) | $0 | (13) | $17,471 | | 5 | -11.1% | 20.8% | 36 | (20) | $38,875 | (0) | $0 | (6) | $18,675 | (0) | $0 | (14) | $12,240 | | 6 | -8% | 18.9% | 36 | (16) | $37,637 | (0) | $0 | (9) | $18,035 | (0) | $0 | (7) | $11,925 | | 7+ | -0.1% | 11.4% | 36 | (69) | $121,921 | (0) | $0 | (44) | $87,996 | (0) | $0 | (25) | $19,972 | | | Term | | ROI | | Loss | | Age(m) |
| Total Lent | | Current |
| Paid Off | | Late | | Defaulted | | 36 | 0.3% | 9.9% | 36 | (603) | $1,029,607 | (0) | $0 | (445) | $768,732 | (0) | $0 | (158) | $151,011 | | | Income | | ROI | | Loss | | Age(m) |
| Total Lent | | Current |
| Paid Off | | Late | | Defaulted | | 0-999 | 2.7% | 6.5% | 36 | (29) | $43,287 | (0) | $0 | (22) | $32,987 | (0) | $0 | (7) | $4,518 | | 1000-1999 | -0.3% | 10.2% | 36 | (82) | $124,404 | (0) | $0 | (58) | $95,006 | (0) | $0 | (24) | $18,958 | | 2000-2999 | -0.9% | 11.6% | 36 | (93) | $139,334 | (0) | $0 | (68) | $97,841 | (0) | $0 | (25) | $25,268 | | 3000-3999 | 2.3% | 8.6% | 36 | (85) | $151,767 | (0) | $0 | (57) | $110,607 | (0) | $0 | (28) | $20,005 | | 4000-4999 | -5.3% | 15.1% | 36 | (66) | $105,432 | (0) | $0 | (54) | $76,905 | (0) | $0 | (12) | $20,221 | | 5000-5999 | 3% | 7.6% | 36 | (72) | $120,498 | (0) | $0 | (52) | $94,248 | (0) | $0 | (20) | $13,043 | | 6000-6999 | -4.9% | 14.8% | 36 | (47) | $91,350 | (0) | $0 | (33) | $61,219 | (0) | $0 | (14) | $20,110 | | 7000-7999 | 3.6% | 6.3% | 36 | (32) | $65,895 | (0) | $0 | (27) | $58,401 | (0) | $0 | (5) | $5,845 | | 8000-8999 | 6% | 4.3% | 36 | (23) | $45,181 | (0) | $0 | (18) | $37,845 | (0) | $0 | (5) | $3,101 | | 9000-9999 | 7% | 1.8% | 36 | (11) | $16,888 | (0) | $0 | (10) | $14,263 | (0) | $0 | (1) | $499 | | 10000-11999 | -4.5% | 14.1% | 36 | (20) | $40,252 | (0) | $0 | (16) | $25,616 | (0) | $0 | (4) | $9,647 | | 12000-14999 | 5.4% | 4.6% | 36 | (14) | $37,705 | (0) | $0 | (12) | $32,030 | (0) | $0 | (2) | $2,255 | | 15000+ | -2.1% | 11.5% | 36 | (29) | $47,614 | (0) | $0 | (18) | $31,764 | (0) | $0 | (11) | $7,541 | | | Employment | | ROI | | Loss | | Age(m) |
| Total Lent | | Current |
| Paid Off | | Late | | Defaulted | | < 1 year | 1.8% | 8.2% | 36 | (184) | $289,493 | (0) | $0 | (140) | $216,363 | (0) | $0 | (44) | $36,451 | | 1 year | 0.8% | 9.6% | 36 | (122) | $191,593 | (0) | $0 | (90) | $149,650 | (0) | $0 | (32) | $27,309 | | 2 year | 0.6% | 10% | 36 | (78) | $144,010 | (0) | $0 | (60) | $110,235 | (0) | $0 | (18) | $20,659 | | 3 year | 4.4% | 6.6% | 36 | (45) | $85,097 | (0) | $0 | (35) | $70,449 | (0) | $0 | (10) | $8,109 | | 4 year | -6.3% | 16.6% | 36 | (32) | $46,661 | (0) | $0 | (21) | $27,026 | (0) | $0 | (11) | $11,305 | | 5 year | 0.7% | 9.5% | 36 | (19) | $47,719 | (0) | $0 | (15) | $32,844 | (0) | $0 | (4) | $6,843 | | 6 year | -1.8% | 12% | 36 | (22) | $52,729 | (0) | $0 | (16) | $38,048 | (0) | $0 | (6) | $9,101 | | 7 year | -1.2% | 10.6% | 36 | (15) | $25,295 | (0) | $0 | (11) | $17,495 | (0) | $0 | (4) | $4,781 | | 8 year | -9.1% | 19.3% | 36 | (13) | $23,018 | (0) | $0 | (10) | $14,343 | (0) | $0 | (3) | $5,959 | | 9 year | 6.4% | 5.2% | 36 | (16) | $28,997 | (0) | $0 | (12) | $25,172 | (0) | $0 | (4) | $1,723 | | 10+ yrs | -4.5% | 13.5% | 36 | (57) | $94,995 | (0) | $0 | (35) | $67,107 | (0) | $0 | (22) | $18,772 | | | Credit Hist. | | ROI | | Loss | | Age(m) |
| Total Lent | | Current |
| Paid Off | | Late | | Defaulted | | < 3 yrs | -0.7% | 11.1% | 36 | (104) | $177,064 | (0) | $0 | (71) | $127,989 | (0) | $0 | (33) | $29,974 | | 3-4 yrs | 4.3% | 6.9% | 36 | (42) | $67,712 | (0) | $0 | (34) | $53,239 | (0) | $0 | (8) | $7,106 | | 4-5 yrs | 4% | 5.9% | 36 | (31) | $53,314 | (0) | $0 | (25) | $46,264 | (0) | $0 | (6) | $3,956 | | 5-7 yrs | 1% | 9.7% | 36 | (64) | $120,473 | (0) | $0 | (42) | $81,952 | (0) | $0 | (22) | $17,991 | | 7-10 yrs | 2.7% | 8% | 36 | (98) | $156,818 | (0) | $0 | (75) | $129,332 | (0) | $0 | (23) | $17,718 | | 10-15 yrs | -2.9% | 12.9% | 36 | (116) | $193,723 | (0) | $0 | (80) | $124,241 | (0) | $0 | (36) | $37,430 | | 15-20 yrs | -4.4% | 14.3% | 36 | (68) | $127,470 | (0) | $0 | (48) | $88,282 | (0) | $0 | (20) | $26,784 | | 20-25 yrs | 4.9% | 5.1% | 36 | (27) | $54,400 | (0) | $0 | (23) | $48,875 | (0) | $0 | (4) | $3,883 | | 25-34 yrs | -4.6% | 13.3% | 36 | (17) | $28,252 | (0) | $0 | (14) | $18,752 | (0) | $0 | (3) | $6,036 | | >34 yrs | 7.5% | 0.2% | 36 | (36) | $50,381 | (0) | $0 | (33) | $49,806 | (0) | $0 | (3) | $135 | | | Open Lines | | ROI | | Loss | | Age(m) |
| Total Lent | | Current |
| Paid Off | | Late | | Defaulted | | 2 | 1.6% | 7.3% | 36 | (90) | $134,610 | (0) | $0 | (69) | $109,512 | (0) | $0 | (21) | $14,790 | | 3-4 | 2.4% | 8% | 36 | (91) | $146,819 | (0) | $0 | (68) | $115,662 | (0) | $0 | (23) | $17,357 | | 5-6 | -1.5% | 11.6% | 36 | (90) | $137,753 | (0) | $0 | (59) | $92,856 | (0) | $0 | (31) | $23,561 | | 7-8 | -1.1% | 11.1% | 36 | (79) | $136,312 | (0) | $0 | (60) | $103,720 | (0) | $0 | (19) | $22,972 | | 9-10 | -0.2% | 10.1% | 36 | (76) | $135,921 | (0) | $0 | (55) | $97,921 | (0) | $0 | (21) | $19,992 | | 11-14 | 4.1% | 6.8% | 36 | (92) | $170,553 | (0) | $0 | (77) | $139,732 | (0) | $0 | (15) | $16,862 | | 15-16 | -4.8% | 15.4% | 36 | (32) | $52,502 | (0) | $0 | (21) | $35,392 | (0) | $0 | (11) | $11,905 | | 17-18 | -5.6% | 16.5% | 36 | (24) | $64,979 | (0) | $0 | (15) | $37,704 | (0) | $0 | (9) | $14,783 | | 19-20 | -8.2% | 17.4% | 36 | (9) | $16,679 | (0) | $0 | (6) | $11,129 | (0) | $0 | (3) | $3,937 | | 21+ | 2.8% | 8.4% | 36 | (20) | $33,479 | (0) | $0 | (15) | $25,104 | (0) | $0 | (5) | $4,853 | | | Total Lines | | ROI | | Loss | | Age(m) |
| Total Lent | | Current |
| Paid Off | | Late | | Defaulted | | 3 | 1.9% | 7.2% | 36 | (91) | $140,334 | (0) | $0 | (68) | $113,636 | (0) | $0 | (23) | $15,491 | | 4-6 | 0.4% | 9.9% | 36 | (82) | $118,073 | (0) | $0 | (60) | $85,873 | (0) | $0 | (22) | $17,366 | | 7-9 | -2.3% | 11.8% | 36 | (68) | $118,943 | (0) | $0 | (47) | $84,739 | (0) | $0 | (21) | $20,459 | | 10-12 | 2.1% | 7.8% | 36 | (38) | $63,950 | (0) | $0 | (29) | $51,025 | (0) | $0 | (9) | $7,574 | | 13-15 | 3.1% | 8.7% | 36 | (59) | $91,856 | (0) | $0 | (42) | $67,270 | (0) | $0 | (17) | $12,027 | | 16-18 | -0.5% | 9.9% | 36 | (46) | $88,634 | (0) | $0 | (37) | $68,859 | (0) | $0 | (9) | $12,894 | | 19-24 | 3% | 7.9% | 36 | (76) | $143,007 | (0) | $0 | (62) | $116,947 | (0) | $0 | (14) | $15,949 | | 25-30 | 0.3% | 9.8% | 36 | (51) | $89,244 | (0) | $0 | (36) | $61,394 | (0) | $0 | (15) | $13,729 | | 31-33 | -20.5% | 29.4% | 36 | (19) | $27,120 | (0) | $0 | (10) | $9,395 | (0) | $0 | (9) | $11,855 | | 34-36 | 9.5% | 3.7% | 36 | (14) | $30,052 | (0) | $0 | (12) | $27,475 | (0) | $0 | (2) | $1,629 | | 37-39 | 0.5% | 9.6% | 36 | (20) | $45,347 | (0) | $0 | (15) | $29,947 | (0) | $0 | (5) | $7,292 | | 40-42 | 3.1% | 7.7% | 36 | (12) | $21,080 | (0) | $0 | (9) | $18,430 | (0) | $0 | (3) | $1,905 | | 43+ | -9.1% | 19.3% | 36 | (27) | $51,967 | (0) | $0 | (18) | $33,742 | (0) | $0 | (9) | $12,841 |
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