Office of Thrift Supervision
Qualified Thrift Lender Test
QTL Calculator
QTL Worksheet for the Month of
(For Instructions, click here or on Line number. Shaded cells are automatically calculated.)
PART 1 - PORTFOLIO ASSETS:
Line
% Assets
$ Bil, Mil, Thou
Total Assets
1
100.0
0
20% of Total Assets (Line 1 x 20%)
2
20.0
0
Office Building
3
Liquidity (Cash and Marketable Securities) - Cannot Exceed Line 2
4
Goodwill and Other Intangibles
5
Deductions from Total Assets (Sum of Lines 3, 4, and 5)
6
0.0
0
PORTFOLIO ASSETS (Line 1 Minus Line 6)
7
100.0
0
20% OF PORTFOLIO ASSETS (Line 7 x 20%)
8
20.0
0
PART 2 - QUALIFIED THRIFT INVESTMENTS (QTI):
ASSETS INCLUDABLE WITHOUT LIMIT:
Mortgage Loans
9
Real Estate Owned (Residential)
10
Home Equity Loans
11
Mortgage-Backed Securities
12
Educational Loans
13
Small Business Loans
14
Credit Card Loans
15
Obligations of Deposit Insurance Agencies (Prior to 7/1/89)
16
Obligations of Deposit Insurance Agencies Issued (On or After 7/1/89)
17
Federal Home Loan Bank Stock
18
TOTAL QTI INCLUDABLE WITHOUT LIMIT (Sum of Lines 9 through 18)
19
0.0
0
ASSETS INCLUDABLE UP TO 20% OF PORTFOLIO ASSETS:
50% of Residential Mortgage Loans Originated and Sold Within 90 days
20
80% Service Corporations
21
200% of 1-4 Family Residence Loans (Starter Homes < 60% Median)
22
200% of Certain Loans (In Credit-Needy Areas)
23
Community Service Facility Loans (Purchase, Construction, Improvement)
24
Loans for Personal, Family, or Household Purposes
25
FannieMae or FreddieMac Stock
26
PUERTO RICAN AND VIRGIN ISLAND INSTITUTIONS ONLY (ALL OTHER INSTITUTIONS GO TO LINE 30):
Loans for Personal, Family, or Household Purposes
27
Community Service Facility Loans (Purchase, Construction, Improvement)
28
200% of 1-4 Family Residence Loans (Starter Homes < Median)
29
Total QTI Includable Up to 20% of Portfolio Assets
(Lesser of the Sum of Lines 20 through 26 or Line 8)
30
0.0
0.0
PART 3:
TOTAL QUALIFIED THRIFT INVESTMENTS (Sum of Lines 19 and 30)
31
0.0
0.0
ACT