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{"sheet":"Curtis McGoyvin","index":0,"n_rows":47,"n_cols":121,"rows_kept":47,"cut":false,"hidden":false,"merged":[[37,59,37,68],[35,44,35,58],[35,59,35,68],[40,1,40,9],[40,11,40,20],[36,44,36,58],[36,59,36,68],[42,1,42,68],[33,1,33,9],[33,11,33,20],[34,1,34,9],[34,11,34,20],[35,1,35,9],[35,11,35,20],[42,0,46,0],[46,3,46,37],[46,47,46,58],[41,1,41,9],[41,11,41,20],[37,44,37,58],[29,44,29,58],[29,59,29,68],[30,1,30,68],[31,0,41,0],[31,1,31,68],[32,1,32,9],[32,11,32,42],[22,0,30,0],[36,11,36,20],[37,11,37,20],[38,11,38,13],[38,14,38,20],[34,59,34,68],[38,1,38,9],[39,1,39,9],[39,11,39,15],[39,16,39,20],[32,44,32,58],[32,59,32,68],[36,1,36,9],[33,44,33,58],[33,59,33,68],[37,1,37,9],[34,44,34,58],[27,44,27,58],[27,59,27,68],[20,1,20,12],[20,14,20,23],[22,1,22,68],[23,44,23,58],[23,59,23,68],[24,44,24,58],[28,44,28,58],[28,59,28,68],[18,1,18,12],[18,14,18,23],[18,24,20,25],[19,1,19,12],[19,14,19,23],[24,59,24,68],[25,44,25,58],[25,59,25,68],[26,44,26,58],[26,59,26,68],[12,50,12,63],[12,64,12,68],[11,1,11,12],[11,14,11,23],[11,50,11,63],[11,64,11,68],[9,0,21,0],[9,1,9,68],[10,1,10,12],[10,14,10,23],[10,24,15,25],[10,50,10,63],[10,64,10,68],[14,1,14,12],[14,14,14,23],[13,1,13,12],[13,14,13,23],[12,1,12,12],[12,14,12,23],[15,1,15,12],[15,14,15,23],[17,1,17,12],[17,14,17,23],[17,24,17,25],[7,47,7,61],[7,62,7,68],[5,47,5,61],[5,62,5,68],[6,1,6,9],[6,10,6,21],[6,22,6,33],[6,34,6,46],[6,47,6,61],[6,62,6,68],[3,47,3,58],[3,59,3,68],[4,1,4,9],[4,10,4,21],[4,22,4,33],[4,34,4,46],[4,47,4,61],[4,62,4,68],[1,1,2,45],[3,0,8,0],[3,1,3,9],[3,10,3,33],[3,34,3,39],[3,40,3,46],[5,1,5,9],[5,10,5,21],[5,22,5,33],[5,34,5,46],[7,1,7,9],[7,10,7,21],[7,22,7,33],[7,34,7,46]]}
[]
[null,"Impairment Analysis"]
[]
["Section 1","Customer Name:",null,null,null,null,null,null,null,null,"Curtis McGoyvin",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Account #:",null,null,null,null,null,444,null,null,null,null,null,null,"Impairment Amount:",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BH38<BH30,BH38,BH30)","v":-156261}]
[null,"Analysis Date:",null,null,null,null,null,null,null,null,"2012-04-09",null,null,null,null,null,null,null,null,null,null,null,"Date Downgraded:",null,null,null,null,null,null,null,null,null,null,null,"15/11/11"]
[null,"Risk Grade:",null,null,null,null,null,null,null,null,500,null,null,null,null,null,null,null,null,null,null,null,"Payment Status:",null,null,null,null,null,null,null,null,null,null,null,"Current",null,null,null,null,null,null,null,null,null,null,null,null,"Principal Balance:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,749661]
[null,"Accrual Status:",null,null,null,null,null,null,null,null,"On Accrual",null,null,null,null,null,null,null,null,null,null,null,"Sold %:",null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,"Less Prior Write Offs:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"SBA Guarantee %:",null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Net Principal Balance:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"BK6-BK7","v":749661}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Account Information'!AP5","v":0},{"$f":"TODAY()","v":"2012-04-13"}]
["Section 2","Financial Information",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Account Information'!BP7","v":0}]
[null,"Balance Sheet",null,null,null,null,null,null,null,null,null,null,null,null,"Year 1",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Debt Service Coverage Ratio:",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"O20/O21","v":2.5093981863149217},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Account Information'!BO7","v":0}]
[null,"Current Assets:",null,null,null,null,null,null,null,null,null,null,null,null,35000,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Debt to Income Ratio:",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"O21/O20","v":0.39850192187653999}]
[null,"Total Assets:",null,null,null,null,null,null,null,null,null,null,null,null,850000,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Current Ratio:",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"O12/O14","v":7}]
[null,"Current Liabilities:",null,null,null,null,null,null,null,null,null,null,null,null,5000]
[null,"Total Liabilities:",null,null,null,null,null,null,null,null,null,null,null,null,800000]
[null,"Net Worth:",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"O13-O15","v":50000},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[]
[null,"Tax Return/Income Statement",null,null,null,null,null,null,null,null,null,null,null,null,"Year 1"]
[null,"Income Verification Source:",null,null,null,null,null,null,null,null,null,null,null,null,"Tax Return"]
[null,"Annual Income/EBITDA:",null,null,null,null,null,null,null,null,null,null,null,null,121756]
[null,"Annual Debt Payments:",null,null,null,null,null,null,null,null,null,null,null,null,48520]
[]
["Section 3","Present Value of Cash Flow Analysis"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Amount of Monthly Payments:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,1500]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Length of Note to Maturity (months):",null,null,null,null,null,null,null,null,null,null,null,null,null,null,14]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Payoff / Refinance Amount at Maturity:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,749661]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Interest Rate (Discount Rate):",null,null,null,null,null,null,null,null,null,null,null,null,null,null,7.0000000000000007E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Present Value:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"PV(BH27/12,BH25,-BH24)+PV(BH27/12,BH25,0,-BH26)","v":711144.99352693954}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Less Net Active Principal Balance:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"$BK$8","v":749661}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Equity or (Impairment):",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"BH28-BH29","v":-38516.006473060464}]
[]
["Section 4","Fair Market Value Analysis"]
[null,"Collateral:",null,null,null,null,null,null,null,null,null,"Residential Home",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Appraised Value:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"L36","v":645000}]
[null," Valuation Date:",null,null,null,null,null,null,null,null,null,"2012-03-27",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Less Commissions & Closing Costs:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"BH33*-0.08","v":-51600}]
[null,"Appraiser / Reviewer:",null,null,null,null,null,null,null,null,null,"Paul Smith",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Less Prior Liens:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"Value:",null,null,null,null,null,null,null,null,null,645000,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross Liquidation Proceeds:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"BH33+BH34+BH35","v":593400}]
[null,"Street Number:",null,null,null,null,null,null,null,null,null,"123 S. 200 W.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Less Net Active Principal Balance:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"BK8","v":749661}]
[null,"City:",null,null,null,null,null,null,null,null,null,"Bountiful",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Equity or (Impairment):",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"BH36-BH37","v":-156261}]
[null,"State, Zip:",null,null,null,null,null,null,null,null,null,"UT",null,null,84010]
[null,"Sq Ft (up / down):",null,null,null,null,null,null,null,null,null,4220,null,null,null,null,2100]
[null,"Sq Ft (total):",null,null,null,null,null,null,null,null,null,{"$f":"L40+Q40","v":6320}]
[null,"$ / Sq Ft:",null,null,null,null,null,null,null,null,null,{"$f":"L36/L41","v":102.05696202531645}]
["Section 5","Signature & Date"]
[]
[]
[]
[null,null,null,"Signature",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date"]

{"sheet":"Account Information","index":1,"n_rows":9,"n_cols":11,"rows_kept":9,"cut":false,"hidden":false,"merged":[]}
["Name","Acct Number","Date Downgraded","Risk Grade","Payment Status","Accrual Status","Sold %","SBA Guarantee","Prior Write Offs","Principal Balance"]
["James Monroe",111,"2011-07-11",700,"Past Due","Non Accrual",0,0,22400,225026]
["Kimberly Clark",222,"2010-03-03",700,"Past Due","Non Accrual",0,0,65000,798255]
["Jeanne Walk",333,"2009-08-01",600,"Current","Non Accrual",0.75,0,0,1250000]
["Curtis McGoyvin",444,"2011-07-28",500,"Current","On Accrual",0.5,0,0,749661," "]
["Katie Downton",555,"2008-01-31",700,"Past Due","Non Accrual",0,0,500000,2500468]
["Joseph Sumner",666,"2011-06-25",600,"Current","On Accrual",0,0,0,35000]
["Stocky Honescotter",777,"2012-02-15",700,"Past Due","Non Accrual",0,0,76500,354654]
[null,null,"1",2,3,4,0.05,6,7,8]