{"text_format":"1","workbook":"xlsx","n_sheets":4,"sheets":["background","inputs","outputs","loan data"],"not_rendered":{"charts":0,"images":0,"macros":1,"external_links":0,"defined_names":7,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

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[null,"Disclaimer: The ELE tool should be used with appropriate caution. By using the ELE tool and any updates, you assume all risks related to your use of the ELE tool, including risks related to data and assumptions you input and any modifications you make to the ELE tool. The Federal Reserve is providing the ELE tool “as is” and the Federal Reserve expressly disclaims all warranties, express or implied, including any implied warranties of merchantability and fitness for a particular purpose. In no event will the Federal Reserve be liable to you or to any third party for any direct, indirect, incidental, consequential, special, or exemplary damages or lost profit related to an institution’s use of the ELE tool. Users may not use or modify the ELE tool and then present it as official government material. \n\nThe ELE tool may or may not be appropriate for any particular financial institution, and utilizing the ELE tool does not by itself ensure compliance with U.S. generally accepted accounting principles (GAAP) or any other requirement. Each institution’s management remains solely responsible for selecting and implementing an appropriate method to calculate the institution’s Allowance for Credit Losses (ACL) and thus may utilize a different method for estimating its ACL. The selected method(s) should be appropriate for the financial assets being evaluated, consistent with the institution’s size and complexity and should be well documented, with clear explanations of the supporting analyses and rationale. Each institution’s management should also ensure that the institution’s ACL conforms to GAAP and adequately covers credit risk."]
[]
[null,"Find the ELE tool at the Supervision Outreach CECL Resource Center: https://www.supervisionoutreach.org/cecl"]

{"sheet":"inputs","index":1,"n_rows":36,"n_cols":7,"rows_kept":36,"cut":false,"hidden":false,"merged":[[1,1,1,6]]}
[]
[null,"USER SUPPLIED PARAMETERS -- PRELIMINARY VALUES"]
[]
[]
[null,"As Of Date"]
[]
[]
[null,"Portfolio","Portfolio","Annualized","Annualized","Amortization","Amortization Type"]
[null,"Number","Name","Loss","Prepayment","Periodicity","(0 = no amort,"]
[null,null,null,"Rate","Rate","(# of payments","1 = use maturity date,"]
[null,null,null,null,null,"per year)","2 = use amortization date)"]
[null,1]
[null,2]
[null,3]
[null,4]
[null,5]
[null,6]
[null,7]
[null,8]
[null,9]
[null,10]
[null,11]
[null,12]
[null,13]
[null,14]
[null,15]
[null,16]
[null,17]
[null,18]
[null,19]
[null,20]
[null,21]
[null,22]
[null,23]
[null,24]
[null,25]

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[]
[null,"PROJECTION PARAMETERS -- FINAL VALUES",null,null,null,null,null,null,null,"PROJECTION RESULTS"]
[]
[]
[null,"As Of Date",null,null,null,null,null,null,null,null,null,null,null,null,"TOTAL ALLOWANCE"]
[]
[]
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[null,null,null,"Rate","Rate","(# of payments","1 = use maturity date,",null,null,null,null,"Balance","Losses","Loss","Adjustment","Adjustment","for Credit"]
[null,null,null,null,null,"per year)","2 = use amortization date)",null,null,null,null,null,null,"Rate",null,null,"Losses"]
[null,1,null,null,null,null,null,null,null,1]
[null,2,null,null,null,null,null,null,null,2]
[null,3,null,null,null,null,null,null,null,3]
[null,4,null,null,null,null,null,null,null,4]
[null,5,null,null,null,null,null,null,null,5]
[null,6,null,null,null,null,null,null,null,6]
[null,7,null,null,null,null,null,null,null,7]
[null,8,null,null,null,null,null,null,null,8]
[null,9,null,null,null,null,null,null,null,9]
[null,10,null,null,null,null,null,null,null,10]
[null,11,null,null,null,null,null,null,null,11]
[null,12,null,null,null,null,null,null,null,12]
[null,13,null,null,null,null,null,null,null,13]
[null,14,null,null,null,null,null,null,null,14]
[null,15,null,null,null,null,null,null,null,15]
[null,16,null,null,null,null,null,null,null,16]
[null,17,null,null,null,null,null,null,null,17]
[null,18,null,null,null,null,null,null,null,18]
[null,19,null,null,null,null,null,null,null,19]
[null,20,null,null,null,null,null,null,null,20]
[null,21,null,null,null,null,null,null,null,21]
[null,22,null,null,null,null,null,null,null,22]
[null,23,null,null,null,null,null,null,null,23]
[null,24,null,null,null,null,null,null,null,24]
[null,25,null,null,null,null,null,null,null,25]

{"sheet":"loan data","index":3,"n_rows":1,"n_cols":6,"rows_kept":1,"cut":false,"hidden":false,"merged":[]}
["Portfolio","Loan Number","Outstanding Balance","Annualized Interest Rate","Maturity Date","Amortization Date"]