Excel Solutions and Spreadsheets for the Financial Analyst & CFO
So, you work for a small bank, credit union, or a mortage related firm, and the CEO asks you for a chart to show the Board what is going on with home prices. You could use several ways (line charts, bar charts, etc.) to show the big rise this year in home prices, but this […]
A reader was interested in a variable rate mortgage (which I have already posted), however with a twist. He wanted an interest only option for the first given interest rate. Others might find this helpful. Download: http://pistulka.com/Excel_Shared/VRIO.xlsx
A reader asked if I could help with a loan between family members that did not have specific payment requirements. Payments could be made on any date and any amount. The lender could increase or decrease the loan by any amount on any date. There was also no set maturity date for the loan. The […]
Calculating the monthly payment on loans with dates can be tricky, unless the loan assumes all months have 30 days and there are 12 months in a year (30/360). In that case you can use the Excel PMT function. It is more difficult however to calculate a monthly payment that will pay off a loan […]
Since I have retired, I have been publishing Excel spreadsheets, mostly about finance but also about other areas. Many of the older posts have been improved on by more recent posts but are still out there. Some browser searches for subjects I have posted show up on page one or two, but many are buried deep. […]
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 […]
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 […]
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 […]
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 […]
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
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 […]
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 […]
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 […]
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 […]
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 […]