COMMON WEALTH RURAL BANK INC

GONZAGA BRANCH
Smart, Gonzaga, Cagayan

FOR THE MONTH OF FEBRUARY 2017

COMPUTATION OF VALUATION RESERVES

Number Amount % Recommended Existing Excess(Deficiency)

General Loan Loss Provision of Accounts
Unclassified loans 44 6,298,307.48 1% 62,983.07 66,738.23 3,755.16

Computation of allowance for Probable Losses:

Specific Loan Loss Provision
Classified Loans -
Specially Mentioned 0 - 5% -
Substandard-Secured 3 1,030,000.00 10% 103,000.00 (103,000.00)
Substandard-Secured 2 204,045.83 25% 51,011.46 (51,011.46)
Substandard-Unsecured 4 130,000.00 10% 13,000.00 (13,000.00)
Substandard-Unsecured 1 5,000.00 25% 1,250.00 (1,250.00)
Doubtful 2 60,000.00 50% 30,000.00 (30,000.00)
Loss 11 301,622.10 100% 301,622.10 164,088.78 (137,533.32)
-

Total Classified Loans 23 1,730,667.93 499,883.56 164,088.78 (335,794.78)

-
Total Loan Portfolio Gross 67 8,028,975.41

Prepared By: Checked By: Approved By:

ARIAN L. BAGANGAN JELIBETH A. MILITAR JEFFERSON D. SAMBRANO

Loans Bookkeeper Branch Bookkeeper Branch Manager
 COMMON WEALTH RURAL BANK INC.
GONZAGA BRANCH
Smart, Gonzaga, Cagayan

FOR THE MONTH OF FEBRUARY 2017

Not Specially Substandard

Classified Mentioned Secured Unsecured Doubtful
(a) (b) © (d) (e) (f) (g)
1% 5% 10% 25% 10% 25% 50%

1. Current Loans 6,238,740.81

Past due loans
Secured
1 - 30 days
31 - 180 days 1,030,000.00
181 - 365 days . 204,045.83
Over 1 year to 5years 40,000.00
Over 5 days
Unsecured
1 - 30 days 59,566.67
31 - 90 days 130,000.00
91 - 120 days 5,000.00
121 - 180 days 20,000.00
Over 181 days

3. T o t a l s 6,298,307.48 - 1,030,000.00 204,045.83 130,000.00 5,000.00 60,000.00

8,028,975.41
EALTH RURAL BANK INC.
NZAGA BRANCH
, Gonzaga, Cagayan

NTH OF FEBRUARY 2017

Loss
(h)
100%

301,622.10

301,622.10
 #REF!

Amount % Recommended Existing

Specially Mentioned (30-90 Days PD)

UnSecured
Past Due #REF! 5% #REF!
TPD #REF! 5% #REF!
Secured
Agra #REF! 5% #REF!
OACL #REF! 5% #REF!
SE #REF! 5% #REF!
LIOP #REF! 5% #REF!
Substandard (more than 90 days PD)
UnSecured #REF! 25% #REF!
Secured
Agra #REF! 10% #REF!
OACL #REF! 10% #REF!
SE #REF! 10% #REF!
LIOP #REF! 10% #REF!
Doubtful
Loss
Unsecured #REF! 100% #REF!

Total
LICP #REF! 465,661.71
Agra #REF! 10,000.00
OACL #REF! 155,159.43
SE #REF! -
LIOP #REF! 9,500.00

#REF! 640,321.14

-
Excess(Deficiency)

#REF!
#REF!
#REF!
#REF!
#REF!

#REF!
 COMMON WEALTH RURAL BANK INC.
GONZAGA BRANCH
Smart, Gonzaga, Cagayan

FOR THE MONTH OF FEBRUARY 2017

no of no of NOT no of SPECIALLY no of SUBSTANDARD no of SUBSTANDARD no of

accts AMOUNT accts CLASSIFIED accts MENTIONED accts SECURED accts SECURED accts
1% 5% 10% 25%

Agrarian Reform Loan

Current 6.00 120,000.00 6 120,000.00
Restructured - -
Past Due - -
Litigation - -
Sub-Total 6.00 120,000.00 6 120,000.00 0 - 0 - 0 - 0

Other Agricultural Credit Loan

Current 23.00 2,174,823.00 23 2,174,823.00
Restructured - -
Past Due 5.00 1,130,000.00 3 1,030,000.00 1 60,000.00
Litigation - - -
Sub-Total 28 3,304,823.00 23 2,174,823.00 0 - 3 1,030,000.00 1 60,000.00 0

Small Scale Enterprises

Current 4.00 1,999,000.00 4 1,999,000.00
Restructured - -
Past Due - -
Litigation - -
Sub-Total 4 1,999,000.00 4 1,999,000.00 0 - 0 - 0 - 0

Medium Scale Enterprises

Current - -
Restructured - -
Past Due - -
Litigation - -
Sub-Total 0 - 0 - 0 - 0 - 0 - 0

Loan to Individual for Consumption Purposes

Current 7.00 59,566.67 7 59,566.67
Restructured - -
Past Due 17.00 456,622.10 4
Litigation - -
 Sub-Total 24 516,188.77 7 59,566.67 0 - 0 - 0 - 4

Loan to Individual for Other Purposes

Current 4.00 1,944,917.81 4 1,944,917.81
Restructured - -
Past Due 1.00 144,045.83 1 144,045.83
Litigation - -
Sub-Total 5 2,088,963.64 4 1,944,917.81 0 - 0 - 1 144,045.83 0

Total Loans
Current 44 6,298,307.48 44 6,298,307.48 0 - 0 - - 0
Restructured 0 - 0 - 0 - 0 - - 0
Past Due 23.00 1,730,667.93 0 - 0 - 3 1,030,000.00 2 204,045.83 4
Litigation 0 - 0 - 0 - 0 - - 0
TOTAL 67.00 8,028,975.41 44 6,298,307.48 0 - 3 1,030,000.00 2 204,045.83 4

Prepared by: Checked by:

ARIAN PEARL L. BAGANGAN JELIBETH A. MILITAR

Loans Bookkeeper Branch Bookkeeper
N WEALTH RURAL BANK INC.
GONZAGA BRANCH
mart, Gonzaga, Cagayan

E MONTH OF FEBRUARY 2017

SUBSTANDARD no of SUBSTANDARD no of DOUBTFUL no of LOSS

UNSECURED accts UNSECURED accts accts
10% 25% 50% 100%

- 0 - 0 - 0 -

1 40,000.00 -

- 0 - 1 40,000.00 0 -

- 0 - 0 - 0 -

- 0 - 0 - 0 -

130,000.00 1 5,000.00 1 20,000.00 11 301,622.10

-
130,000.00 1 5,000.00 1 20,000.00 11 301,622.10

- 0 - 0 - 0 -

- - 0 - 0 -
- - 0 - 0 -
130,000.00 1 5,000.00 2 60,000.00 11 301,622.10
- - 0 - 0 -
130,000.00 1 5,000.00 2 60,000.00 11 301,622.10

Approved by:

JEFFERSON D. SAMBRANO
Branch Manager
 COMMON WEALTH RURAL BANK INC.
Gonzaga Branch
Smart, Gonzaga, Cagayan

LISTING OF VALUATION RESERVES

As of FEBRUARY 2017

BORROWERS NAME L-ACCOUNT D-GRANTED DATE DUE ORIGINAL BALANCE STATUS

Agrarian Reform Loans

ALVAREZ, ROMEL A. AGRA 06-Dec-16 04-Jun-17 20,000.00 20,000.00 Pass

CAOITAN, JONNEL R. AGRA 25-Nov-16 24-May-17 20,000.00 20,000.00 Pass
CONSTANTINO, MARYLINE U. AGRA 21-Nov-16 20-May-17 20,000.00 20,000.00 Pass
DOMINGO, JOEL D. AGRA 07-Dec-16 05-Jun-17 10,000.00 10,000.00 Pass
PALACAY, MARCELINO B. AGRA 25-Nov-16 24-May-17 20,000.00 20,000.00 Pass
SUNICO, JOEY L. AGRA 31-Jan-17 30-Jul-17 30,000.00 30,000.00 Pass

Sub Total 120,000.00 120,000.00

Other Agricultural Credit Loans

BANTOR, JULIUS C. OACL 16-Nov-16 15-May-17 70,000.00 70,000.00 Pass

BINCE, MARLON B. OACL 23-Jan-17 22-Jul-17 50,000.00 50,000.00 Pass
CALIBUSO, WILFREDO C. OACL 14-Oct-16 12-Apr-17 100,000.00 100,000.00 Pass
CALULOT, VILMA T. OACL 08-Nov-16 07-May-17 50,000.00 50,000.00 Pass
CALULOT, VILMA T. OACL 02-Feb-17 01-Aug-17 20,000.00 20,000.00 Pass
CASTILLO, WILFRED M. OACL 06-Oct-16 04-Apr-17 60,000.00 60,000.00 Pass
CASTILLO, WILFRED M. OACL 27-Oct-16 25-Apr-17 40,000.00 40,000.00 Pass
CASTILLO, WILFRED M. OACL 07-Nov-16 06-May-17 50,000.00 50,000.00 Pass
CONDE, ARNEL B. OACL 13-Dec-16 11-Jun-17 70,000.00 70,000.00 Pass
DANCEL, BERNABE L. OACL 07-Nov-16 06-May-17 50,000.00 50,000.00 Pass
DELA CRUZ, LYRNA V. OACL 23-Dec-16 21-Jun-17 80,000.00 80,000.00 Pass
DUPIAG, RUFINO R. OACL 02-Nov-16 01-May-17 30,000.00 29,823.00 Pass
FORTOZO, EDENCIO G. OACL 08-Nov-16 07-May-17 150,000.00 150,000.00 Pass
GANNO, MILAGROS M. OACL 23-Jan-17 22-Jul-17 100,000.00 100,000.00 Pass
GARCIA, REMEDIOS Y. OACL 01-Sep-16 28-Feb-17 60,000.00 60,000.00 Pass
JAPSON, MARCELINO E. OACL 14-Nov-16 13-May-17 50,000.00 50,000.00 Pass
LATAGAN, ALIPIO M. OACL 28-Nov-16 27-May-17 60,000.00 60,000.00 Pass
LIQUIGAN, VIRGILIO SR. V. OACL 14-Dec-16 12-Jun-17 650,000.00 650,000.00 Pass
NGILUDAN, RECTO D. OACL 25-Jan-17 25-Apr-17 30,000.00 30,000.00 Pass
PERALTA, ORLINO S. OACL 05-Jan-17 04-Jul-17 40,000.00 30,000.00 Pass
TOLENTINO, ZENAIDA T. OACL 16-Feb-17 17-May-17 180,000.00 180,000.00 Pass
UNITE, CONSTANTINO U. OACL 22-Dec-16 22-Mar-17 45,000.00 45,000.00 Pass
VILLA, JOSEPHINE S. OACL 08-Sep-16 07-Mar-17 150,000.00 150,000.00 Pass

Sub Total 2,185,000.00 2,174,823.00

Small Scale Industry

RECOLIZADO, ROSHELLE D. SE 14-Sep-16 13-Mar-17 300,000.00 299,000.00 Pass

RIALUBIN, ERIC P. SE 04-Nov-16 25-Oct-18 1,000,000.00 1,000,000.00 Pass
ROBLES SR., ROBERTO B. SE 21-Sep-16 20-Mar-17 200,000.00 200,000.00 Pass
ROBLES SR., ROBERTO B. SE 27-Sep-16 26-Mar-17 500,000.00 500,000.00 Pass

Sub Total 2,000,000.00 1,999,000.00

Loans for Individual Consumption Purposes

BUAN, ALIHAM L. LICP 12-Jan-17 11-Jul-17 20,000.00 16,666.67 Pass

EUGENIO, ROSALIND I. LICP 01-Feb-17 31-Jul-17 20,000.00 20,000.00 Pass
FERRER, FRELYN R. LICP 03-Jan-17 03-Apr-17 5,000.00 2,900.00 Pass
PESCA, ROMELA A. LICP 21-Feb-17 20-Aug-17 5,000.00 5,000.00 Pass
RAMOS, ROWEL D. LICP 28-Feb-17 27-Aug-17 5,000.00 5,000.00 Pass
SEGURITAN, ARMEL S. LICP 24-Feb-17 23-Aug-17 5,000.00 5,000.00 Pass
SIMBE, NELIA U. LICP 17-Feb-17 16-Aug-17 5,000.00 5,000.00 Pass

Sub Total 65,000.00 59,566.67

Loans to Individual for Other Purposes

GARCIA, GEORGE P. LIOP 06-Sep-16 27-Aug-18 1,200,000.00 1,199,917.81 Pass

RIALUBIN, RODOLFO C. LIOP 19-Jan-17 18-Jul-17 50,000.00 45,000.00 Pass
SABLAY SR., FELIX T. LIOP 23-Dec-16 21-Jun-17 200,000.00 200,000.00 Pass
SANA, MERLYN S. LIOP 07-Oct-16 05-Apr-17 500,000.00 500,000.00 Pass

Sub Total 1,950,000.00 1,944,917.81

Total General Loan Loss Privision Sub Total 6,320,000.00 6,298,307.48

SPECIFIC LOAN LOSS PROVISION

Substandard-Secured(10%)

COSTALES, GLORIA C. OACL 08-Mar-16 04-Sep-16 700,000.00 700,000.00 SS

RAMIREZ, EDITHA B. OACL 10-May-16 06-Nov-16 30,000.00 30,000.00 SS
SUNICO, NELIA S. OACL 04-Apr-16 01-Oct-16 300,000.00 300,000.00 SS

Sub Total 1,030,000.00 1,030,000.00

Substandard-Secured(25%)

CABILANG, MANUELA T. OACL 28-Mar-16 26-Jun-16 60,000.00 60,000.00 SS

YACAS, FEBE M. LIOP 24-Sep-15 22-Mar-16 150,000.00 144,045.83 SS

Sub Total 210,000.00 204,045.83

Substandard-Unsecured(10%)

ADILLE, MARK ROY G. LICP 13-Dec-16 11-Jun-17 25,000.00 25,000.00 SU

CARTON, LARIVIE Q. LICP 28-Nov-16 27-May-17 40,000.00 40,000.00 SU
MARCOS, GRACELYN N. LICP 23-Nov-16 22-May-17 60,000.00 60,000.00 SU
ORTEZA, JR., DIONISIO C. LICP 12-Dec-16 10-Jun-17 5,000.00 5,000.00 SU

Sub Total 130,000.00 130,000.00

Substandard-Unsecured(25%)

SADIOA, CELIA O. LICP 25-Oct-16 23-Apr-17 5,000.00 5,000.00 SU

Sub Total 5,000.00 5,000.00

Doubtful(50%)
SUMER, ROMEO V. OACL 10-Jun-15 08-Sep-15 40,000.00 40,000.00 Doubtful
MADRID, RENATO D. LICP 05-Aug-16 03-Nov-16 20,000.00 20,000.00 Doubtful

Sub Total 60,000.00 60,000.00

Loss(100%)

ALINAN, ALLAN R. LICP 27-Jun-16 22-Jun-17 30,000.00 27,500.00 Loss

ARELLANO, JUANITA G. LICP 24-Sep-14 23-Mar-15 20,000.00 9,400.00 Loss
CARINO, JAY-ARE T. LICP 15-Jul-16 10-Jul-17 50,000.00 50,000.00 Loss
DOMINGO, AMPARO C. LICP 20-Mar-15 16-Sep-15 100,000.00 95,000.00 Loss
GARCIA, ROLANDO C. LICP 24-Sep-14 23-Mar-15 20,000.00 16,000.00 Loss
HIDALGO, CRISPALYN P. LICP 30-Jun-15 27-Dec-15 5,000.00 4,556.00 Loss
LANDAO, MARINEL S. LICP 17-Sep-15 15-Mar-16 20,000.00 20,000.00 Loss
REPOLLO, NELVIE G. LICP 15-Apr-15 12-Oct-15 20,000.00 17,666.10 Loss
SAMORTIN, SALLY A. LICP 29-Jul-16 27-Oct-16 15,000.00 15,000.00 Loss
SIRIBAN, PILAR D. LICP 29-Sep-15 27-Mar-16 17,000.00 17,000.00 Loss
VILLA, JOSEPHINE S. LICP 28-Apr-15 25-Oct-15 30,000.00 29,500.00 Loss

Sub Total 327,000.00 301,622.10

Total Specific Loan Loss Provision Sub Total 1,762,000.00 1,730,667.93

TOTAL LOAN PORFOLIO Sub Total 8,082,000.00 8,028,975.41

sllp_bal no of days unpd acl
DAYS LEFT days over

200.00 96 0 0 0.01
200.00 85 0 0 0.01
200.00 81 0 0 0.01
100.00 97 0 0 0.01
200.00 85 0 0 0.01
300.00 152 0 0 0.01

1,200.00

700.00 76 0 0 0.01
500.00 144 0 0 0.01
1,000.00 43 0 0 0.01
500.00 68 0 0 0.01
200.00 154 0 0 0.01
600.00 35 0 0 0.01
400.00 56 0 0 0.01
500.00 67 0 0 0.01
700.00 103 0 0 0.01
500.00 67 0 0 0.01
800.00 113 0 0 0.01
298.23 62 0 0 0.01
1,500.00 68 0 0 0.01
1,000.00 144 0 0 0.01
600.00 0 0 0 0.01
500.00 74 0 0 0.01
600.00 88 0 0 0.01
6,500.00 104 0 0 0.01
300.00 56 0 0 0.01
300.00 126 0 0 0.01
1,800.00 78 0 0 0.01
450.00 22 0 0 0.01
1,500.00 7 0 0 0.01

21,748.23

2,990.00 13 0 0 0.01
10,000.00 604 0 0 0.01
2,000.00 20 0 0 0.01
5,000.00 26 0 0 0.01

19,990.00
 166.67 133 0 0 0.01
200.00 153 0 0 0.01
29.00 34 0 14 0.01
50.00 173 0 0 0.01
50.00 180 0 0 0.01
50.00 176 0 0 0.01
50.00 169 0 4 0.01

595.67

11,999.18 545 0 0 0.01

450.00 140 0 0 0.01
2,000.00 113 0 0 0.01
5,000.00 36 0 0 0.01

19,449.18

62,983.08

70,000.00 0 177 0 0.10

3,000.00 0 114 0 0.10
30,000.00 0 150 0 0.10

103,000.00

15,000.00 0 247 0 0.25

36,011.46 0 343 0 0.25

51,011.46

2,500.00 103 0 47 0.10

4,000.00 88 0 62 0.10
6,000.00 83 0 67 0.10
500.00 102 0 71 0.10

13,000.00

1,250.00 54 0 119 0.25

1,250.00
 20,000.00 0 539 0 0.50
10,000.00 0 117 177 0.50

30,000.00

27,500.00 114 0 216 1

9,400.00 0 708 790 1
50,000.00 132 0 198 1
95,000.00 0 531 681 1
16,000.00 0 708 846 1
4,556.00 0 429 588 1
20,000.00 0 350 500 1
17,666.10 0 505 657 1
15,000.00 0 124 199 1
17,000.00 0 338 488 1
29,500.00 0 492 642 1

301,622.10

499,883.56

562,866.64