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COMMON WEALTH RURAL BANK INC

GONZAGA BRANCH
Smart, Gonzaga, Cagayan

FOR THE MONTH OF FEBRUARY 2017

COMPUTATION OF VALUATION RESERVES

Number Amount % Recommended Existing Excess(Deficiency)
General Loan Loss Provision of Accounts
Unclassified loans 44 6,298,307.48 1% 62,983.07 66,738.23 3,755.16

Computation of allowance for Probable Losses:
Specific Loan Loss Provision
Classified Loans -
Specially Mentioned 0 - 5% -
Substandard-Secured 3 1,030,000.00 10% 103,000.00 (103,000.00)
Substandard-Secured 2 204,045.83 25% 51,011.46 (51,011.46)
Substandard-Unsecured 4 130,000.00 10% 13,000.00 (13,000.00)
Substandard-Unsecured 1 5,000.00 25% 1,250.00 (1,250.00)
Doubtful 2 60,000.00 50% 30,000.00 (30,000.00)
Loss 11 301,622.10 100% 301,622.10 164,088.78 (137,533.32)
-

Total Classified Loans 23 1,730,667.93 499,883.56 164,088.78 (335,794.78)
-
Total Loan Portfolio Gross 67 8,028,975.41

Prepared By: Checked By: Approved By:

ARIAN L. BAGANGAN JELIBETH A. MILITAR JEFFERSON D. SAMBRANO
Loans Bookkeeper Branch Bookkeeper Branch Manager

.

00 91 .00 204. Current Loans 6.48 . Cagayan FOR THE MONTH OF FEBRUARY 2017 Not Specially Substandard Classified Mentioned Secured Unsecured Doubtful (a) (b) © (d) (e) (f) (g) 1% 5% 10% 25% 10% 25% 50% 1.000.30 days 59. Gonzaga.000.045.000.00 Over 5 days Unsecured 1 .00 121 .365 days .975.00 5.180 days 1.566.90 days 130.000.030.30 days 31 .030.000.238.740. COMMON WEALTH RURAL BANK INC.41 . GONZAGA BRANCH Smart.028.00 181 .00 Over 181 days 3.83 130. 204.83 Over 1 year to 5years 40.67 31 .298.000. 1.81 Past due loans Secured 1 . T o t a l s 6.000.000.180 days 20.045.000.120 days 5.00 60.307.00 8.

10 301. Cagayan NTH OF FEBRUARY 2017 Loss (h) 100% 301. Gonzaga.622.622. NZAGA BRANCH .10 .EALTH RURAL BANK INC.

159.321.71 Agra #REF! 10.14 - .43 SE #REF! - LIOP #REF! 9. #REF! Amount % Recommended Existing Specially Mentioned (30-90 Days PD) UnSecured Past Due #REF! 5% #REF! TPD #REF! 5% #REF! Secured Agra #REF! 5% #REF! OACL #REF! 5% #REF! SE #REF! 5% #REF! LIOP #REF! 5% #REF! Substandard (more than 90 days PD) UnSecured #REF! 25% #REF! Secured Agra #REF! 10% #REF! OACL #REF! 10% #REF! SE #REF! 10% #REF! LIOP #REF! 10% #REF! Doubtful Loss Unsecured #REF! 100% #REF! Total LICP #REF! 465.00 #REF! 640.500.00 OACL #REF! 155.661.000.

Excess(Deficiency) #REF! #REF! #REF! #REF! #REF! #REF! .

999.00 0 .00 59.174.00 6 120. .566.00 3 1. 0 .00 0 .174. - Litigation .000. - Restructured . Gonzaga.00 2.00 456. - .000. GONZAGA BRANCH Smart. 0 .304.000.00 23 2.00 1.00 4 1.67 Restructured . - Sub-Total 4 1.030. - Litigation .000.00 23 2.999.000.823. 0 .999.000.00 0 Small Scale Enterprises Current 4.823. - Past Due .00 1 60.00 1 60.823.00 Restructured . - Past Due .000. 0 . - Sub-Total 28 3.00 6 120.000.174.10 4 Litigation .000.00 Restructured .622. 0 .000. 0 .00 Litigation .00 Restructured .00 120.00 1.67 7 59.00 120. - Past Due 17. - Sub-Total 0 . - Past Due .130. 0 Medium Scale Enterprises Current . 0 Loan to Individual for Consumption Purposes Current 7. 3 1.000.00 0 .823. - Litigation . Cagayan FOR THE MONTH OF FEBRUARY 2017 no of no of NOT no of SPECIALLY no of SUBSTANDARD no of SUBSTANDARD no of accts AMOUNT accts CLASSIFIED accts MENTIONED accts SECURED accts SECURED accts 1% 5% 10% 25% Agrarian Reform Loan Current 6. - Sub-Total 6.999. 0 . - Past Due 5. COMMON WEALTH RURAL BANK INC.030.000.00 4 1. 0 Other Agricultural Credit Loan Current 23.566.000. 0 .

667.307.298.045. Sub-Total 24 516.030.088.917. 0 . 0 .963. 0 . 0 . - Past Due 1. 0 .298.975.944.93 0 .917.045. MILITAR Loans Bookkeeper Branch Bookkeeper .00 2 204.41 44 6.48 44 6.000.83 1 144. 0 TOTAL 67. 3 1.83 Litigation .83 4 Litigation 0 .00 8.77 7 59.00 1.83 0 Total Loans Current 44 6.045.64 4 1.028. 0 Past Due 23. .48 0 . 0 .045.917.045.00 1. - Sub-Total 5 2. 0 Restructured 0 . 0 . .944. 0 .000.81 Restructured . 0 .48 0 .307.67 0 .307.81 0 .944. 1 144.566.00 144. BAGANGAN JELIBETH A.00 2 204.730.030.81 4 1. 3 1.83 4 Prepared by: Checked by: ARIAN PEARL L.298. 0 . 4 Loan to Individual for Other Purposes Current 4.188. . 0 .

Gonzaga. 0 .00 0 - - . 0 .000.000. 0 - 130. 0 .00 11 301.00 - . 0 - 1 40. 0 .00 1 5. 0 . 0 .00 1 20.10 - .N WEALTH RURAL BANK INC.622.000. GONZAGA BRANCH mart. 0 - - . 0 .000. Cagayan E MONTH OF FEBRUARY 2017 SUBSTANDARD no of SUBSTANDARD no of DOUBTFUL no of LOSS UNSECURED accts UNSECURED accts accts 10% 25% 50% 100% . 1 40.000.

00 2 60. 0 .00 11 301.00 1 5. 0 - 130.00 1 20.000. 0 .00 1 5.10 Approved by: JEFFERSON D.00 2 60.00 11 301.000. 0 - . 0 . SAMBRANO Branch Manager .622.10 .00 1 5.10 .130. 0 - . .000.000. 0 .000.000. 0 .622.622.000.000. 0 - 130. . .000.00 11 301.

00 20.000.00 Pass DANCEL.00 Pass ROBLES SR.00 Pass Sub Total 2. VIRGILIO SR. Gonzaga Branch Smart.00 180.00 2. OACL 28-Nov-16 27-May-17 60.00 20. SE 27-Sep-16 26-Mar-17 500.823.000.00 Pass TOLENTINO.000.00 Pass CASTILLO. ORLINO S.00 29.000.00 Pass CALIBUSO.00 30.000. JOEL D.00 60. MILAGROS M.000.174. OACL 16-Nov-16 15-May-17 70.000.000.00 Pass Sub Total 2. EDENCIO G.00 Pass CASTILLO.000.000.000. CONSTANTINO U. OACL 08-Sep-16 07-Mar-17 150.00 1.000.00 70.000.00 Pass DELA CRUZ. OACL 14-Oct-16 12-Apr-17 100.000. ROSHELLE D.000.00 Pass CASTILLO.000.00 Pass CALULOT. Gonzaga.00 150. VILMA T.000.000.000.00 Small Scale Industry RECOLIZADO. MARLON B. OACL 16-Feb-17 17-May-17 180. OACL 14-Dec-16 12-Jun-17 650.000.000. MARYLINE U. LYRNA V.000. OACL 23-Dec-16 21-Jun-17 80.00 50.00 120. OACL 27-Oct-16 25-Apr-17 40.00 Pass PERALTA.000.000. OACL 06-Oct-16 04-Apr-17 60.000. Cagayan LISTING OF VALUATION RESERVES As of FEBRUARY 2017 BORROWERS NAME L-ACCOUNT D-GRANTED DATE DUE ORIGINAL BALANCE STATUS Agrarian Reform Loans ALVAREZ.00 150.00 45.00 Pass GARCIA. ROBERTO B. REMEDIOS Y.000.000.00 Pass GANNO.000.000. ZENAIDA T. AGRA 21-Nov-16 20-May-17 20.000. WILFREDO C.00 Pass FORTOZO. ROMEL A. JULIUS C.00 Other Agricultural Credit Loans BANTOR.00 10.000.000. WILFRED M.000.000.000. OACL 02-Feb-17 01-Aug-17 20. MARCELINO B.000. JONNEL R.000.000.00 50. OACL 07-Nov-16 06-May-17 50.00 Pass CAOITAN. WILFRED M.000.000.000. RECTO D.00 50. OACL 14-Nov-16 13-May-17 50. WILFRED M. AGRA 31-Jan-17 30-Jul-17 30.999.00 Pass Sub Total 120.000. AGRA 25-Nov-16 24-May-17 20.00 70. SE 21-Sep-16 20-Mar-17 200.000.000. V.000.00 50.000.00 500.00 60.000.00 Pass CALULOT.000.00 Pass CONDE. OACL 02-Nov-16 01-May-17 30. AGRA 25-Nov-16 24-May-17 20.000.000. ROBERTO B.823.00 .000.00 20.00 Pass RIALUBIN.00 100.00 Pass SUNICO.00 Pass LATAGAN.00 50.000.00 Pass VILLA. RUFINO R. OACL 01-Sep-16 28-Feb-17 60.000.00 Pass JAPSON. JOSEPHINE S. OACL 22-Dec-16 22-Mar-17 45. AGRA 06-Dec-16 04-Jun-17 20.000..00 20.000. OACL 13-Dec-16 11-Jun-17 70.000. ARNEL B. SE 04-Nov-16 25-Oct-18 1.000.000. OACL 05-Jan-17 04-Jul-17 40.00 Pass CONSTANTINO. SE 14-Sep-16 13-Mar-17 300.00 Pass ROBLES SR..00 100.000.000. BERNABE L. MARCELINO E. ERIC P. OACL 08-Nov-16 07-May-17 150.000.000. JOEY L.00 Pass LIQUIGAN.000.00 Pass NGILUDAN. VILMA T.000.000. AGRA 07-Dec-16 05-Jun-17 10.00 200. OACL 23-Jan-17 22-Jul-17 100.000.000.00 30.000.000. COMMON WEALTH RURAL BANK INC. OACL 08-Nov-16 07-May-17 50.00 Pass DOMINGO.000.00 Pass DUPIAG.00 Pass BINCE.00 40.00 Pass PALACAY.00 650.000.00 Pass UNITE.00 20. OACL 23-Jan-17 22-Jul-17 50.00 1. OACL 07-Nov-16 06-May-17 50.000.00 80.185. ALIPIO M.00 299. OACL 25-Jan-17 25-Apr-17 30.00 60.000.00 30.

000.00 Pass SANA.00 5.000. FEBE M. MERLYN S.000.000.00 130. LICP 17-Feb-17 16-Aug-17 5.000.00 59.000.000.00 SU Sub Total 130. ROWEL D.00 Pass FERRER.045. NELIA U. GEORGE P.48 SPECIFIC LOAN LOSS PROVISION Substandard-Secured(10%) COSTALES.000.950.67 Loans to Individual for Other Purposes GARCIA.000.000.000. ROMELA A.00 Pass SIMBE.000. LICP 28-Feb-17 27-Aug-17 5.000. GRACELYN N.00 6.000.00 45.00 5.00 SU CARTON. LIOP 23-Dec-16 21-Jun-17 200. LICP 12-Dec-16 10-Jun-17 5.917.000.00 Pass Sub Total 65.00 Doubtful(50%) . LICP 12-Jan-17 11-Jul-17 20.00 SS SUNICO.00 25.000.000.000.000.000.00 30. LICP 25-Oct-16 23-Apr-17 5. LIOP 07-Oct-16 05-Apr-17 500.000.00 300. FELIX T.00 60.00 Pass PESCA.000. ARMEL S.00 Pass RAMOS.000.00 SS Sub Total 1.000.00 SU MARCOS.944. LIOP 24-Sep-15 22-Mar-16 150.00 1.000.000.00 200. ROSALIND I. MARK ROY G.666.83 SS Sub Total 210. EDITHA B. MANUELA T.030.00 SU ORTEZA.00 20. LICP 13-Dec-16 11-Jun-17 25.00 500.000.00 Pass SABLAY SR.000.83 Substandard-Unsecured(10%) ADILLE. LICP 01-Feb-17 31-Jul-17 20. LICP 28-Nov-16 27-May-17 40.00 2. LICP 24-Feb-17 23-Aug-17 5.00 Substandard-Secured(25%) CABILANG.00 SS YACAS.200.00 16.81 Total General Loan Loss Privision Sub Total 6.000.320.000. LICP 21-Feb-17 20-Aug-17 5.030.67 Pass EUGENIO. OACL 28-Mar-16 26-Jun-16 60.00 5.Loans for Individual Consumption Purposes BUAN.000.00 1.000. DIONISIO C.917. LICP 23-Nov-16 22-May-17 60.199. LIOP 06-Sep-16 27-Aug-18 1. RODOLFO C.00 144.00 Substandard-Unsecured(25%) SADIOA. GLORIA C.000.298.00 1.00 5.566.00 5..00 700.000. ALIHAM L..00 5.307.00 SU Sub Total 5. LARIVIE Q.000.000.00 204.81 Pass RIALUBIN.000.00 SS RAMIREZ.000.000.000. LIOP 19-Jan-17 18-Jul-17 50. JR.000.900. NELIA S.00 Pass SEGURITAN. FRELYN R.000. OACL 04-Apr-16 01-Oct-16 300.00 40.045. OACL 08-Mar-16 04-Sep-16 700. CELIA O.000.00 60.00 5.000.000.00 Pass Sub Total 1. OACL 10-May-16 06-Nov-16 30.000.000.000. LICP 03-Jan-17 03-Apr-17 5.

000.93 TOTAL LOAN PORFOLIO Sub Total 8.667.000.SUMER.00 Loss CARINO.000. LICP 29-Sep-15 27-Mar-16 17.000.762.500.000.00 Loss GARCIA.000.000. JUANITA G. CRISPALYN P.500.00 17. LICP 15-Jul-16 10-Jul-17 50.00 301.000. ALLAN R.00 8.00 15. LICP 20-Mar-15 16-Sep-15 100.000.00 Loss DOMINGO.00 Loss REPOLLO. SALLY A.028.00 1.000.10 Loss SAMORTIN. LICP 15-Apr-15 12-Oct-15 20. JOSEPHINE S.00 60.00 95. LICP 29-Jul-16 27-Oct-16 15.00 Loss Sub Total 327.000.00 50. RENATO D.000.00 40. LICP 30-Jun-15 27-Dec-15 5.00 Loss HIDALGO. LICP 24-Sep-14 23-Mar-15 20. PILAR D.000.10 Total Specific Loan Loss Provision Sub Total 1.00 4.000.00 Loss SIRIBAN.000.730.666. MARINEL S.082.41 .000.622.000. JAY-ARE T.00 9.000.00 Doubtful Sub Total 60.000. NELVIE G.000.556. AMPARO C. LICP 17-Sep-15 15-Mar-16 20. ROLANDO C.00 Loss ARELLANO.00 Doubtful MADRID.000. LICP 27-Jun-16 22-Jun-17 30. LICP 05-Aug-16 03-Nov-16 20. LICP 28-Apr-15 25-Oct-15 30. OACL 10-Jun-15 08-Sep-15 40.00 20.00 Loss(100%) ALINAN.000.000. LICP 24-Sep-14 23-Mar-15 20.00 17.00 16.00 29.00 Loss VILLA.400.975.00 20.000.00 27. ROMEO V.000.00 Loss LANDAO.000.

00 68 0 0 0.000.00 126 0 0 0.01 1.01 1.01 298.00 20 0 0 0.01 200.01 200.01 600.500.00 13 0 0 0.00 56 0 0 0.00 78 0 0 0.01 500.00 113 0 0 0.00 76 0 0 0.00 35 0 0 0.01 500.01 400.00 22 0 0 0.00 103 0 0 0.01 1.200.00 0 0 0 0.990.00 56 0 0 0.sllp_bal no of days unpd acl DAYS LEFT days over 200.000.01 5.01 700.00 700.000.00 68 0 0 0.00 7 0 0 0.01 10.01 300.500.01 1.00 67 0 0 0.00 67 0 0 0.00 104 0 0 0.00 85 0 0 0.00 604 0 0 0.00 152 0 0 0.01 300.23 2.990.00 26 0 0 0.748.00 96 0 0 0.01 1.01 2.01 450.01 100.01 1.00 144 0 0 0.01 500.00 88 0 0 0.01 21.23 62 0 0 0.01 600.00 .01 200.01 19.01 200.01 800.000.00 85 0 0 0.01 600.00 43 0 0 0.500.01 500.00 81 0 0 0.00 154 0 0 0.01 300.00 144 0 0 0.000.01 6.01 500.00 74 0 0 0.800.00 97 0 0 0.

00 .00 1.00 153 0 0 0.10 13.00 34 0 14 0.67 133 0 0 0.18 62.25 51.00 88 0 62 0.25 36.000.01 19.00 15.00 0 247 0 0.01 5.449.000.10 3.01 450.01 50.00 169 0 4 0.00 36 0 0 0.01 2.46 0 343 0 0.011.00 102 0 71 0.500.10 103.00 140 0 0 0.00 176 0 0 0.00 0 177 0 0.00 173 0 0 0.000.000.000.10 6.999.10 30.000.00 83 0 67 0. 166.01 50.000.011.10 4.00 0 150 0 0.01 50.000.000.00 113 0 0 0.250.00 0 114 0 0.18 545 0 0 0.01 200.250.01 595.25 1.00 103 0 47 0.46 2.08 70.67 11.00 54 0 119 0.983.000.00 180 0 0 0.01 29.10 500.01 50.

000.00 0 338 488 1 29.883.00 0 539 0 0.00 114 0 216 1 9.00 0 708 790 1 50.556.64 .500.00 27.000.666.10 0 505 657 1 15.50 30.56 562.00 0 492 642 1 301.000.00 0 429 588 1 20.622.000.000.00 0 350 500 1 17.00 0 708 846 1 4.00 0 531 681 1 16.000.866.50 10.00 0 124 199 1 17.10 499.00 132 0 198 1 95.00 0 117 177 0. 20.000.400.000.500.000.