I am posting this as an example on how an amortization can be programed to find the final payoff with unusual circumstances. I was asked by a reader for help with determining the final loan payment on a special situation loan. For most of you, your inhouse system would probably handle this. Anyway, using an […]
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Watts, Volts, Amps, Ohms Calculator (Excel)
I know that this post has nothing to do with finance, but others might find it helpful. It is important to remember to click the “Clear Inputs” button to start over or to enter new inputs. Enter any two of the four electrical measurements in the yellow cells and the other two will be […]
Simple Break-Even for Solar Installation. (Excel)
This Excel spreadsheet is the result of a reader asking for help creating a simple method of determining the break-even point for a solar power installation. It involves taking out a loan and applying the expected savings on the utility bill against the loan payments. The critical variables are: How much will initially be saved […]
Present Value of a Future Annuity
Note: I found an error in the spreadsheet calculations, so if you saved a copy before 3/10/2021, download it again. These calculations could come in handy in various scenarios. Say the firm you work for has a pension plan that they want to close out and pay off participants early. What would those payouts in […]
Percentage Change in GDP (Scroll Bar)
I have posted GDP charts in the past, but this one uses a scroll bar to view the percentage change for each quarter since 1947 to the present. The chart includes recessions and an adjustable moving average. Also, the declines are in red. Download: http://pistulka.com/Excel_Shared/fred_gdp.xlsx
Chart Organization’s Salaries / Bonuses
These charts are geared to small banks or credit unions that want to have an informative visual of department salaries and/or bonus. It can be used on larger institutions as well, but I suppose the larger financial institutions have access to HR software that can provide graphics. I must give credit for the graph I […]
Compliance Risk
In February of 2017 I posted an Excel spreadsheet called “Internal Audit – Interactive Report”. With the newer functions in Excel, I thought I might try a different approach. I used nine boxes to graphically show which areas in the bank or credit union have the most risk to the organization. First, I listed various […]
Automobile Loan Portfolio Model (ABS)
Firsts let me state that I personally have never been involved in buying or selling pools of auto loans. This workbook represents how I might approach the analysis of a pool of auto loans, but it is not meant to be compliant with any industry standard methods. Because this program has not been used in […]
Consumer Loan Pricing with Four FICO Scoring Methods
The attached Excel workbook was based on Microsoft 365. Earlier Excel versions may not work properly. I know this may look “old school” but then consider the author. This Excel workbook gives ideas on how you might want to set up a consumer rate pricing model, with four ways to calculate FICO scores. I […]
U.S Treasury Daily Yield Curves From 1/2/1990-Present
Warning: Some MS 365 formulas that might not work with prior versions of Excel. Back in April I publish a post called Daily Treasury Security Rates. That post featured an Excel workbook that downloaded U.S. Treasury rates for the current month. This new workbook has Treasury rates starting 1/2/1990 and can be updated daily, when the […]
Mortgage Pricing Model
Smaller credit unions and banks may not have access to mortgage pricing models. This post is an example that might get some institutions started in building their own models. Fannie Mae now posts their commitment rates for 15- and 30-year mortgages daily. The commitment rates are for 10, 30, 60, and 90 days. This Excel […]
Sample Amortizations
Recently, I have had more requests for specialty amortizations. This workbook is intended to give readers a list of example amortizations that can be used as starting points to produce amortization schedules that fit their needs. The examples have not been used in real world situations, so if you find bugs, let me know. Here […]
Golf Prize Distribution
At first glance this may seem to be out of my normal range of spreadsheets, most of which are financial based. Anyone that has worked at a credit union or bank, however, knows that there are at least three or more times a year that an association or client will hold a golf tournament. Anyway, this […]
Daily Treasury Security Rates
I have not posted any new Excel workbooks for some time now, mostly because I have been retired for eight years and I have run out of ideas. There are some dynamic array functions contained in the workbook that will require the latest version of Excel. The U. S. Treasury has a post called “Daily Treasury […]
Amortization With Dates – 12 Payment & 15 Compounding Options
How many realistic payment schedules with dates can you think of? I came up with 12. Now, regardless of the payment cycle, how many compound interest methods can be applied to the 12 payment cycles? I came up with 15. This amortization schedule therefore has 180 (12 x 15) combinations of payment and compounding methods. […]