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BBNK » Topics » Accounting for Impaired Loans

These excerpts taken from the BBNK 10-K filed Mar 10, 2009.
Accounting for Impaired Loans - A loan is considered impaired when it is probable that interest and principal will not be collected according to the contractual terms of the loan agreement.  Any allowance on impaired loans is generally based on three methods. 1) present value of expected future cash flows discounted at the loan's effective interest rate or, 2) as a practical expedient, at the loan's observable market price or 3) the fair value of the collateral if the loan is collateral dependent.  Income recognition on impaired loans is consistent with the policy for income recognition on non-accrual loans described above.
 
Accounting for
Impaired Loans - A loan is considered impaired when it is probable that
interest and principal will not be collected according to the contractual terms
of the loan agreement.  Any allowance on impaired loans is generally
based on three methods. 1) present value of expected future cash flows
discounted at the loan's effective interest rate or, 2) as a practical
expedient, at the loan's observable market price or 3) the fair value of the
collateral if the loan is collateral dependent.  Income recognition on
impaired loans is consistent with the policy for income recognition on
non-accrual loans described above.

 

EXCERPTS ON THIS PAGE:

10-K (2 sections)
Mar 10, 2009

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