1998 Survey of Small Business Finances Sample Frequency ...5 20 0.59 181 5.36 6 116 3.44 297 8.80 7...

1998 Survey of Small Business FinancesSample Frequency Distribution and

Descriptive StatisticsPrepared: October 23,2001

This document has two parts. Part A presents the frequencydistributions for all numeric discrete and categorical variables(e.g. C_HIS). Part B displays unweighted descriptive statisticsfor all continuous variables (e.g. C_NOW). Each part is listedin questionnaire order. This document does not includecharacter variables. The best way to look for the variable is tosearch the listing for a particular variable name.

All frequencies and descriptive statistics are unweighted andthus represent sample characteristics. In order to calculatepopulation characteristics that are nationally representative,one should use FIN_WGT to calculate weighted statistics.

Nearly all values on the public data set have been imputed.Consequently, there are few missing values other than thosedesignated by a ".S" (not in quotes). The code ".S" indicates alegitimate skip or an inapplicable question. Other missingvalues that occur in a very few instances include: ".D" = don'tknow; ".R" = refused; ".N"= not asked (because of some error);and "." = missing. (Note: missing values on the ASCII data setsare coded differently than the SAS data set. Please consult theASCII instructions.)

Part A: Frequency Distributions for Discrete and Numerical Variables

The FREQ Procedure

Organization type from Screener

Cumulative CumulativeSCRTYPE Frequency Percent Frequency Percent------------------------------------------------------------

D 9 . . .R 23 . . .1 1465 41.51 1465 41.512 204 5.78 1669 47.293 57 1.62 1726 48.914 45 1.28 1771 50.185 832 23.58 2603 73.766 909 25.76 3512 99.527 17 0.48 3529 100.00

Frequency Missing = 32

Fiscal year end month from Screener

Cumulative CumulativeSCRFYMO Frequency Percent Frequency Percent------------------------------------------------------------

D 36 . . .R 151 . . .1 35 1.04 35 1.042 24 0.71 59 1.753 58 1.72 117 3.474 44 1.30 161 4.775 20 0.59 181 5.366 116 3.44 297 8.807 34 1.01 331 9.818 29 0.86 360 10.679 88 2.61 448 13.28

10 48 1.42 496 14.7011 19 0.56 515 15.2612 2859 84.74 3374 100.00


Fiscal year end day from Screener

Cumulative CumulativeSCRFYDA Frequency Percent Frequency Percent------------------------------------------------------------

D 37 . . .R 157 . . .1 18 0.53 18 0.532 2 0.06 20 0.593 3 0.09 23 0.687 1 0.03 24 0.718 1 0.03 25 0.74

12 1 0.03 26 0.7715 23 0.68 49 1.4621 1 0.03 50 1.4922 1 0.03 51 1.5123 1 0.03 52 1.5425 3 0.09 55 1.63

26 2 0.06 57 1.6927 1 0.03 58 1.7228 23 0.68 81 2.4129 1 0.03 82 2.4430 274 8.14 356 10.5731 3011 89.43 3367 100.00


Eligibility flag from Screener

Cumulative CumulativeSCRELIG Frequency Percent Frequency Percent------------------------------------------------------------

4 4 0.11 4 0.116 1 0.03 5 0.147 2666 74.87 2671 75.018 890 24.99 3561 100.00

Cumulative CumulativeSIC2R Frequency Percent Frequency Percent----------------------------------------------------------

12 1 0.03 1 0.0313 10 0.28 11 0.3114 3 0.08 14 0.3915 111 3.12 125 3.5116 18 0.51 143 4.0217 233 6.54 376 10.5620 18 0.51 394 11.0622 6 0.17 400 11.2323 27 0.76 427 11.9924 31 0.87 458 12.8625 12 0.34 470 13.2026 9 0.25 479 13.4527 56 1.57 535 15.0228 12 0.34 547 15.3629 1 0.03 548 15.3930 19 0.53 567 15.9231 7 0.20 574 16.1232 16 0.45 590 16.5733 8 0.22 598 16.7934 37 1.04 635 17.8335 48 1.35 683 19.1836 30 0.84 713 20.0237 11 0.31 724 20.3338 10 0.28 734 20.6139 31 0.87 765 21.4841 15 0.42 780 21.9042 59 1.66 839 23.5644 1 0.03 840 23.5945 7 0.20 847 23.7947 28 0.79 875 24.5748 23 0.65 898 25.2249 11 0.31 909 25.5350 166 4.66 1075 30.1951 81 2.27 1156 32.4652 45 1.26 1201 33.7353 5 0.14 1206 33.8754 79 2.22 1285 36.0955 84 2.36 1369 38.4456 27 0.76 1396 39.20

57 81 2.27 1477 41.4858 171 4.80 1648 46.2859 212 5.95 1860 52.2361 3 0.08 1863 52.3264 72 2.02 1935 54.3465 138 3.88 2073 58.2170 32 0.90 2105 59.1172 196 5.50 2301 64.6273 344 9.66 2645 74.2875 103 2.89 2748 77.1776 96 2.70 2844 79.8778 18 0.51 2862 80.3779 43 1.21 2905 81.5880 157 4.41 3062 85.9981 113 3.17 3175 89.1682 21 0.59 3196 89.7583 79 2.22 3275 91.9784 2 0.06 3277 92.0287 262 7.36 3539 99.3889 16 0.45 3555 99.8399 6 0.17 3561 100.00

Rachel's constructed race_size var

Cumulative CumulativeRACESZ Frequency Percent Frequency Percent-----------------------------------------------------------

1 273 7.67 273 7.672 232 6.52 505 14.183 241 6.77 746 20.954 2000 56.16 2746 77.115 312 8.76 3058 85.876 259 7.27 3317 93.157 244 6.85 3561 100.00

stage2_stratum

Cumulative CumulativeNEWSTRAT Frequency Percent Frequency Percent-------------------------------------------------------------

1 244 6.85 244 6.852 29 0.81 273 7.673 206 5.78 479 13.454 26 0.73 505 14.185 209 5.87 714 20.056 32 0.90 746 20.957 83 2.33 829 23.288 23 0.65 852 23.939 187 5.25 1039 29.18

10 76 2.13 1115 31.3111 228 6.40 1343 37.7112 78 2.19 1421 39.9013 138 3.88 1559 43.7814 37 1.04 1596 44.8215 250 7.02 1846 51.8416 82 2.30 1928 54.1417 89 2.50 2017 56.6418 33 0.93 2050 57.5719 141 3.96 2191 61.5320 55 1.54 2246 63.0721 96 2.70 2342 65.77

22 36 1.01 2378 66.7823 274 7.69 2652 74.4724 94 2.64 2746 77.1125 10 0.28 2756 77.3926 5 0.14 2761 77.5327 24 0.67 2785 78.2128 9 0.25 2794 78.4629 34 0.95 2828 79.4230 16 0.45 2844 79.8731 28 0.79 2872 80.6532 7 0.20 2879 80.8533 37 1.04 2916 81.8934 11 0.31 2927 82.2035 14 0.39 2941 82.5936 3 0.08 2944 82.6737 24 0.67 2968 83.3538 4 0.11 2972 83.4639 18 0.51 2990 83.9740 7 0.20 2997 84.1641 48 1.35 3045 85.5142 13 0.37 3058 85.8743 9 0.25 3067 86.1344 1 0.03 3068 86.1645 21 0.59 3089 86.7546 9 0.25 3098 87.0047 26 0.73 3124 87.7348 10 0.28 3134 88.0149 19 0.53 3153 88.5450 9 0.25 3162 88.8051 45 1.26 3207 90.0652 9 0.25 3216 90.3153 17 0.48 3233 90.7954 4 0.11 3237 90.9055 17 0.48 3254 91.3856 5 0.14 3259 91.5257 10 0.28 3269 91.8058 7 0.20 3276 92.0059 31 0.87 3307 92.8760 10 0.28 3317 93.1561 9 0.25 3326 93.4062 6 0.17 3332 93.5763 18 0.51 3350 94.0764 11 0.31 3361 94.3865 24 0.67 3385 95.0666 7 0.20 3392 95.2567 14 0.39 3406 95.6568 5 0.14 3411 95.7969 38 1.07 3449 96.8570 11 0.31 3460 97.1671 11 0.31 3471 97.4772 3 0.08 3474 97.5673 23 0.65 3497 98.2074 2 0.06 3499 98.2675 11 0.31 3510 98.5776 5 0.14 3515 98.7177 34 0.95 3549 99.6678 12 0.34 3561 100.00

Karen's preloaded variable

Cumulative CumulativeSZCLSS Frequency Percent Frequency Percent

-----------------------------------------------------------1 3 0.08 3 0.082 2639 74.11 2642 74.193 368 10.33 3010 84.534 285 8.00 3295 92.535 266 7.47 3561 100.00

MSA/ Non MSA from D&B

Cumulative CumulativeMSA_DB Frequency Percent Frequency Percent-----------------------------------------------------------

0 802 22.52 802 22.521 2759 77.48 3561 100.00

MSA indicator = 1 if in MSA

Cumulative Cumulativemsa Frequency Percent Frequency Percent--------------------------------------------------------

0 779 21.88 779 21.881 2782 78.12 3561 100.00

Census region from D&B

Cumulative CumulativeREG_DB Frequency Percent Frequency Percent-----------------------------------------------------------

1 154 4.32 154 4.322 440 12.36 594 16.683 487 13.68 1081 30.364 285 8.00 1366 38.365 640 17.97 2006 56.336 202 5.67 2208 62.017 382 10.73 2590 72.738 240 6.74 2830 79.479 731 20.53 3561 100.00

REGION 1NE2MA3ENC4WNC5SA6ESC7WSC8M9P

Cumulative Cumulativeregion Frequency Percent Frequency Percent-----------------------------------------------------------

1 155 4.35 155 4.352 440 12.36 595 16.713 485 13.62 1080 30.334 285 8.00 1365 38.335 641 18.00 2006 56.336 202 5.67 2208 62.017 382 10.73 2590 72.738 238 6.68 2828 79.429 733 20.58 3561 100.00

db credit score rank 1=best

Cumulative Cumulativedb_score Frequency Percent Frequency Percent-------------------------------------------------------------

1 247 6.94 247 6.942 954 26.79 1201 33.733 1305 36.65 2506 70.374 769 21.60 3275 91.975 286 8.03 3561 100.00

1999 Herfindahl, 100% Bank

Cumulative CumulativeHHI3_B Frequency Percent Frequency Percent-----------------------------------------------------------

. 1 . . .1 183 5.14 183 5.142 1513 42.50 1696 47.643 1864 52.36 3560 100.00


1999 Herfindahl, 100% Bank 50% Thrift

Cumulative CumulativeHHI3_BT Frequency Percent Frequency Percent------------------------------------------------------------

. 1 . . .1 639 17.95 639 17.952 1613 45.31 2252 63.263 1308 36.74 3560 100.00


Incentive used

Cumulative CumulativeINCENT Frequency Percent Frequency Percent-----------------------------------------------------------NONE 2369 66.53 2369 66.53POST 16 0.45 2385 66.98PRE 1111 31.20 3496 98.17PREX 65 1.83 3561 100.00

SIC Code description confirmed

Cumulative CumulativeB1 Frequency Percent Frequency Percent-------------------------------------------------------1 2965 83.26 2965 83.262 596 16.74 3561 100.00

Fiscal year end date

Cumulative CumulativeB2_1 Frequency Percent Frequency Percent---------------------------------------------------------------1/1/1999 7 0.20 7 0.201/12/1999 1 0.03 8 0.221/15/1999 2 0.06 10 0.281/2/1999 1 0.03 11 0.311/30/1999 2 0.06 13 0.37

1/31/1999 29 0.81 42 1.1810/1/1998 2 0.06 44 1.2410/2/1998 1 0.03 45 1.2610/3/1998 1 0.03 46 1.2910/30/1998 3 0.08 49 1.3810/31/1998 45 1.26 94 2.6411/28/1998 1 0.03 95 2.6711/30/1998 18 0.51 113 3.1712/1/1998 1 0.03 114 3.2012/18/1998 1 0.03 115 3.2312/25/1998 1 0.03 116 3.2612/26/1998 1 0.03 117 3.2912/27/1998 1 0.03 118 3.3112/28/1998 1 0.03 119 3.3412/30/1998 8 0.22 127 3.5712/31/1998 3015 84.67 3142 88.232/1/1999 1 0.03 3143 88.262/28/1999 17 0.48 3160 88.743/10/1999 1 0.03 3161 88.773/15/1999 1 0.03 3162 88.803/28/1999 2 0.06 3164 88.853/30/1999 5 0.14 3169 88.993/31/1998 1 0.03 3170 89.023/31/1999 56 1.57 3226 90.594/1/1999 1 0.03 3227 90.624/15/1999 9 0.25 3236 90.874/17/1999 1 0.03 3237 90.904/22/1999 1 0.03 3238 90.934/30/1999 29 0.81 3267 91.745/2/1999 1 0.03 3268 91.775/30/1999 1 0.03 3269 91.805/31/1999 18 0.51 3287 92.316/27/1999 1 0.03 3288 92.336/30/1999 120 3.37 3408 95.707/1/1998 1 0.03 3409 95.737/14/1998 1 0.03 3410 95.767/15/1998 1 0.03 3411 95.797/30/1998 4 0.11 3415 95.907/31/1998 28 0.79 3443 96.698/15/1998 2 0.06 3445 96.748/30/1998 2 0.06 3447 96.808/31/1998 21 0.59 3468 97.399/1/1998 1 0.03 3469 97.429/25/1998 1 0.03 3470 97.449/29/1998 1 0.03 3471 97.479/30/1998 90 2.53 3561 100.00

Organization type

Cumulative CumulativeB3 Frequency Percent Frequency Percent-------------------------------------------------------1 1426 40.04 1426 40.042 182 5.11 1608 45.163 39 1.10 1647 46.254 27 0.76 1674 47.015 1019 28.62 2693 75.626 858 24.09 3551 99.727 5 0.14 3556 99.868 2 0.06 3558 99.929 3 0.08 3561 100.00

More than one stockholder

Cumulative CumulativeB3_1 Frequency Percent Frequency Percent---------------------------------------------------------

1 1384 38.87 1384 38.872 2177 61.13 3561 100.00

Hispanic Owned

Cumulative Cumulativec_his Frequency Percent Frequency Percent----------------------------------------------------------

1 260 7.30 260 7.302 3297 92.59 3557 99.893 4 0.11 3561 100.00

Minority Owned

Cumulative Cumulativec_minor Frequency Percent Frequency Percent------------------------------------------------------------

1 511 14.35 511 14.352 3042 85.43 3553 99.783 8 0.22 3561 100.00

Race if Minority

Cumulative Cumulativec_race Frequency Percent Frequency Percent-----------------------------------------------------------

S 3042 . . .1 274 52.79 274 52.792 203 39.11 477 91.913 17 3.28 494 95.184 25 4.82 519 100.00


Female Owned

Cumulative Cumulativec_sex Frequency Percent Frequency Percent----------------------------------------------------------

1 796 22.35 796 22.352 2618 73.52 3414 95.873 147 4.13 3561 100.00

Management Responsibility

Cumulative Cumulativec_mgr Frequency Percent Frequency Percent----------------------------------------------------------

1 3192 89.64 3192 89.642 369 10.36 3561 100.00

Education of Owner

Cumulative Cumulativec_educ Frequency Percent Frequency Percent-----------------------------------------------------------

1 104 2.92 104 2.922 656 18.42 760 21.343 604 16.96 1364 38.304 197 5.53 1561 43.845 142 3.99 1703 47.826 1178 33.08 2881 80.907 680 19.10 3561 100.00

Family Owned

Cumulative Cumulativec_fam Frequency Percent Frequency Percent----------------------------------------------------------

1 3038 85.31 3038 85.312 506 14.21 3544 99.523 17 0.48 3561 100.00

Recoded: How Firm Established or Acquired

Cumulative CumulativeC_ESTR Frequency Percent Frequency Percent-----------------------------------------------------------

1 2675 75.12 2675 75.122 689 19.35 3364 94.473 197 5.53 3561 100.00

Primary area of sales

Cumulative CumulativeD3 Frequency Percent Frequency Percent-------------------------------------------------------1 2052 57.62 2052 57.622 921 25.86 2973 83.493 384 10.78 3357 94.274 27 0.76 3384 95.035 177 4.97 3561 100.00

Use of computers

Cumulative CumulativeD4 Frequency Percent Frequency Percent-------------------------------------------------------1 2863 80.40 2863 80.402 698 19.60 3561 100.00

Computers used for PC banking

Cumulative CumulativeD5_1 Frequency Percent Frequency Percent---------------------------------------------------------

S 698 . . .1 565 19.73 565 19.732 2298 80.27 2863 100.00


Computers used for E-mail


S 698 . . .1 2229 77.86 2229 77.862 634 22.14 2863 100.00


Computers used for internet sales


S 698 . . .1 1084 37.86 1084 37.862 1779 62.14 2863 100.00


Computers used for credit apps online


S 698 . . .1 146 5.10 146 5.102 2717 94.90 2863 100.00


Computers used for inventory mgmt


S 698 . . .1 1319 46.07 1319 46.072 1544 53.93 2863 100.00


Computers used for admin


S 698 . . .1 2426 84.74 2426 84.742 437 15.26 2863 100.00


Computers used for acct/bookkeeping


S 698 . . .1 2456 85.78 2456 85.782 407 14.22 2863 100.00


Computers used for other


S 698 . . .1 437 15.26 437 15.262 2426 84.74 2863 100.00


Most important problem facing business

Cumulative CumulativeD6 Frequency Percent Frequency Percent-------------------------------------------------------1 211 5.93 211 5.932 15 0.42 226 6.353 261 7.33 487 13.684 253 7.10 740 20.785 200 5.62 940 26.406 250 7.02 1190 33.427 413 11.60 1603 45.028 536 15.05 2139 60.079 62 1.74 2201 61.81

10 395 11.09 2596 72.9011 165 4.63 2761 77.5312 47 1.32 2808 78.8513 109 3.06 2917 81.9214 34 0.95 2951 82.8715 4 0.11 2955 82.9816 80 2.25 3035 85.2317 47 1.32 3082 86.5518 101 2.84 3183 89.3919 32 0.90 3215 90.2820 86 2.42 3301 92.7021 103 2.89 3404 95.5996 144 4.04 3548 99.6397 13 0.37 3561 100.00

Used IRS tax records

Cumulative CumulativeN1_1 Frequency Percent Frequency Percent---------------------------------------------------------

R 7 . . .1 657 18.49 657 18.492 2897 81.51 3554 100.00


Used our worksheets


R 7 . . .1 2236 62.92 2236 62.922 1318 37.08 3554 100.00


Used financial statements


R 7 . . .1 433 12.18 433 12.182 3121 87.82 3554 100.00


Used bank statements


R 7 . . .1 127 3.57 127 3.572 3427 96.43 3554 100.00


Used memory


R 7 . . .1 1139 32.05 1139 32.052 2415 67.95 3554 100.00


Used other written records


R 7 . . .1 17 0.48 17 0.482 3537 99.52 3554 100.00


Use checking accounts

Cumulative CumulativeE1 Frequency Percent Frequency Percent-------------------------------------------------------1 3385 95.06 3385 95.062 176 4.94 3561 100.00

Any savings accounts

Cumulative CumulativeE4 Frequency Percent Frequency Percent-------------------------------------------------------1 891 25.02 891 25.022 2670 74.98 3561 100.00

Used owner's personal credit card

Cumulative CumulativeF1 Frequency Percent Frequency Percent-------------------------------------------------------1 1542 43.30 1542 43.302 2019 56.70 3561 100.00

Personal credit card paid in full

Cumulative CumulativeF3 Frequency Percent Frequency Percent-------------------------------------------------------S 2019 . . .1 1147 74.38 1147 74.382 395 25.62 1542 100.00


Used business credit cards

Cumulative CumulativeF4 Frequency Percent Frequency Percent-------------------------------------------------------1 1422 39.93 1422 39.932 2139 60.07 3561 100.00

Business credit card paid in full

Cumulative CumulativeF6 Frequency Percent Frequency Percent-------------------------------------------------------S 2139 . . .1 1243 87.41 1243 87.412 179 12.59 1422 100.00


Any credit lines for bus purposes

Cumulative Cumulative

F7 Frequency Percent Frequency Percent-------------------------------------------------------1 1284 36.06 1284 36.062 2277 63.94 3561 100.00

Loop1 credit line guaranty required

Cumulative CumulativeF13_1 Frequency Percent Frequency Percent----------------------------------------------------------

S 2277 . . .1 805 62.69 805 62.692 479 37.31 1284 100.00


Loop1 credit line collateral required


S 2277 . . .1 641 49.92 641 49.922 643 50.08 1284 100.00


Loop1 inventory or a/r for loc

Cumulative CumulativeF14T1_1 Frequency Percent Frequency Percent------------------------------------------------------------

S 2920 . . .1 375 58.50 375 58.502 266 41.50 641 100.00


Loop1 equip or veh for loc


S 2920 . . .1 193 30.11 193 30.112 448 69.89 641 100.00


Loop1 bus sec or deps for loc


S 2920 . . .1 85 13.26 85 13.262 556 86.74 641 100.00


Loop1 bus real estate for loc


S 2920 . . .1 95 14.82 95 14.822 546 85.18 641 100.00


Loop1 per real estate for loc


S 2920 . . .1 131 20.44 131 20.442 510 79.56 641 100.00


Loop1 oth per assets for loc


S 2920 . . .1 68 10.61 68 10.612 573 89.39 641 100.00


Loop1 other collateral for loc


S 2920 . . .1 9 1.40 9 1.402 632 98.60 641 100.00


Loop1 Non Specified Bus Assets for LOC


S 3544 . . .1 17 100.00 17 100.00


Loop1 oth Assets, bus or per n/a LOC


S 3548 . . .1 13 100.00 13 100.00


Loop1 inst req compensating bal


S 2482 . . .1 76 7.04 76 7.042 1003 92.96 1079 100.00




S 3405 . . .1 85 54.49 85 54.492 71 45.51 156 100.00




S 3405 . . .1 56 35.90 56 35.902 100 64.10 156 100.00




S 3505 . . .1 26 46.43 26 46.432 30 53.57 56 100.00




S 3505 . . .1 23 41.07 23 41.072 33 58.93 56 100.00




S 3505 . . .1 6 10.71 6 10.712 50 89.29 56 100.00




S 3505 . . .1 6 10.71 6 10.712 50 89.29 56 100.00




S 3505 . . .1 6 10.71 6 10.712 50 89.29 56 100.00




S 3505 . . .1 2 3.57 2 3.572 54 96.43 56 100.00




S 3505 . . .1 1 1.79 1 1.792 55 98.21 56 100.00




S 3560 . . .1 1 100.00 1 100.00




S 3559 . . .1 2 100.00 2 100.00




S 3518 . . .1 2 4.65 2 4.652 41 95.35 43 100.00




S 3525 . . .1 19 52.78 19 52.782 17 47.22 36 100.00




S 3525 . . .1 11 30.56 11 30.562 25 69.44 36 100.00




S 3550 . . .1 5 45.45 5 45.452 6 54.55 11 100.00




S 3550 . . .1 4 36.36 4 36.362 7 63.64 11 100.00




S 3550 . . .2 11 100.00 11 100.00




S 3550 . . .1 2 18.18 2 18.182 9 81.82 11 100.00




S 3550 . . .1 1 9.09 1 9.092 10 90.91 11 100.00




S 3550 . . .

2 11 100.00 11 100.00




S 3550 . . .2 11 100.00 11 100.00




S 3561 . . .




S 3561 . . .




S 3555 . . .1 2 33.33 2 33.332 4 66.67 6 100.00


Any capital leases

Cumulative CumulativeF16 Frequency Percent Frequency Percent--------------------------------------------------------

1 518 14.55 518 14.552 3043 85.45 3561 100.00

Any mortgages


1 573 16.09 573 16.09

2 2988 83.91 3561 100.00

Loop1 mort guaranty


S 2988 . . .1 321 56.02 321 56.022 252 43.98 573 100.00


Loop1 mort collateralized real estate


S 2988 . . .1 294 51.31 294 51.312 141 24.61 435 75.923 86 15.01 521 90.924 52 9.08 573 100.00


Loop1 mort collateral other type


S 2988 . . .1 78 13.61 78 13.612 495 86.39 573 100.00


Loop1 inventory or a/r for mortgages


S 3483 . . .1 33 42.31 33 42.312 45 57.69 78 100.00


Loop1 equip or veh for mortgages


S 3483 . . .1 43 55.13 43 55.132 35 44.87 78 100.00


Loop1 bus sec or deps for mortgages


S 3483 . . .1 15 19.23 15 19.232 63 80.77 78 100.00


Loop1 oth per assets for mortgages


S 3483 . . .1 19 24.36 19 24.362 59 75.64 78 100.00


Loop1 other collateral for mortgages


S 3483 . . .1 3 3.85 3 3.852 75 96.15 78 100.00


Loop1 Non Specified Bus Assets for Mortg


S 3558 . . .1 3 100.00 3 100.00


Loop1 oth Assets, bus or per n/a Mortg


S 3557 . . .1 4 100.00 4 100.00


Loop2 mort guaranty

Cumulative CumulativeF24_2 Frequency Percent Frequency Percent

----------------------------------------------------------S 3485 . . .1 45 59.21 45 59.212 31 40.79 76 100.00


Loop2mort collateralized real estate


S 3485 . . .1 42 55.26 42 55.262 12 15.79 54 71.053 13 17.11 67 88.164 9 11.84 76 100.00




S 3485 . . .1 12 15.79 12 15.792 64 84.21 76 100.00




S 3549 . . .1 6 50.00 6 50.002 6 50.00 12 100.00




S 3549 . . .1 6 50.00 6 50.002 6 50.00 12 100.00




S 3549 . . .1 5 41.67 5 41.672 7 58.33 12 100.00




S 3549 . . .1 5 41.67 5 41.672 7 58.33 12 100.00




S 3549 . . .2 12 100.00 12 100.00




S 3560 . . .1 1 100.00 1 100.00




S 3559 . . .1 2 100.00 2 100.00


Loop3 mort guaranty


S 3540 . . .1 11 52.38 11 52.382 10 47.62 21 100.00


Loop3 mort collateralized real estate


S 3540 . . .1 13 61.90 13 61.902 2 9.52 15 71.433 1 4.76 16 76.194 5 23.81 21 100.00




S 3540 . . .1 3 14.29 3 14.292 18 85.71 21 100.00




S 3558 . . .2 3 100.00 3 100.00




S 3558 . . .1 2 66.67 2 66.672 1 33.33 3 100.00




S 3558 . . .2 3 100.00 3 100.00




F26T4_3 Frequency Percent Frequency Percent------------------------------------------------------------

S 3558 . . .2 3 100.00 3 100.00




S 3558 . . .2 3 100.00 3 100.00




S 3561 . . .




S 3560 . . .1 1 100.00 1 100.00


Motor vehicle loan filter


1 809 22.72 809 22.722 2752 77.28 3561 100.00

Loop1 mvl guaranty


S 2752 . . .1 175 21.63 175 21.632 634 78.37 809 100.00


Loop1 mvl collateralized by veh purch


S 2752 . . .1 661 81.71 661 81.712 148 18.29 809 100.00


Loop1 mvl other collateral used

Cumulative CumulativeF32_1_1 Frequency Percent Frequency Percent------------------------------------------------------------

S 2752 . . .1 25 3.09 25 3.092 784 96.91 809 100.00


Loop1 inventory or a/r for mvl


S 3536 . . .1 4 16.00 4 16.002 21 84.00 25 100.00


Loop1 equip or oth veh for mvl


S 3536 . . .1 8 32.00 8 32.002 17 68.00 25 100.00


Loop1 bus sec or deps for mvl


S 3536 . . .1 4 16.00 4 16.002 21 84.00 25 100.00


Loop1 bus real estate for mvl


S 3536 . . .1 3 12.00 3 12.002 22 88.00 25 100.00


Loop1 per real estate for mvl


S 3536 . . .1 6 24.00 6 24.002 19 76.00 25 100.00


Loop1 other per assets for mvl


S 3536 . . .1 10 40.00 10 40.002 15 60.00 25 100.00


Loop1 other collateral for mvl


S 3536 . . .2 25 100.00 25 100.00


Loop1 Non Specified Bus Assets for MVL


S 3561 . . .


Loop1 oth Assets, bus or per n/a MVL


S 3559 . . .1 2 100.00 2 100.00


Loop2 mvl guaranty


S 3417 . . .1 38 26.39 38 26.392 106 73.61 144 100.00




S 3417 . . .1 121 84.03 121 84.032 23 15.97 144 100.00




S 3416 . . .1 3 2.07 3 2.072 142 97.93 145 100.00




S 3558 . . .2 3 100.00 3 100.00


Loop2 equip or oth veh for mvl


S 3558 . . .1 2 66.67 2 66.672 1 33.33 3 100.00


Loop2 bus sec or deps for mvl

Cumulative CumulativeF32T3_2 Frequency Percent Frequency Percent

------------------------------------------------------------S 3558 . . .2 3 100.00 3 100.00


Loop2 bus real estatefor mvl


S 3558 . . .2 3 100.00 3 100.00


Loop2 personal real estate for mvl


S 3558 . . .2 3 100.00 3 100.00


Loop2 other personal assets for mvl


S 3558 . . .2 3 100.00 3 100.00




S 3558 . . .2 3 100.00 3 100.00




S 3561 . . .




S 3560 . . .1 1 100.00 1 100.00


Loop3 mvl guaranty


S 3527 . . .1 14 41.18 14 41.182 20 58.82 34 100.00




S 3527 . . .1 30 88.24 30 88.242 4 11.76 34 100.00




S 3527 . . .2 34 100.00 34 100.00




S 3561 . . .


Loop3 equip or other veh for mvl


S 3561 . . .


Loop3 bus sec or deposits for mvl


S 3561 . . .


Loop3 bus real estate for mvl


S 3561 . . .


Loop3 per real estate for mvl


S 3561 . . .


Loop3 oth per assets for mvl


S 3561 . . .




S 3561 . . .




S 3561 . . .





S 3561 . . .


Equipment loan filter


1 479 13.45 479 13.452 3082 86.55 3561 100.00

Loop1 eql guaranty


S 3081 . . .1 232 48.33 232 48.332 248 51.67 480 100.00


Loop1 eql collateralized w_equip


S 3081 . . .1 380 79.17 380 79.172 100 20.83 480 100.00


Loop1 eql collateral other


S 3081 . . .1 54 11.25 54 11.252 426 88.75 480 100.00


Loop1 inventory or a/r for eql


S 3506 . . .1 25 45.45 25 45.452 30 54.55 55 100.00


Loop1 oth equip or veh for eql


S 3506 . . .1 27 49.09 27 49.092 28 50.91 55 100.00


Loop1 bus sec or deps for eql


S 3506 . . .1 8 14.55 8 14.552 47 85.45 55 100.00


Loop1 bus real estate for eql


S 3506 . . .1 5 9.09 5 9.092 50 90.91 55 100.00


Loop1 per real estate for eql


S 3506 . . .1 11 20.00 11 20.002 44 80.00 55 100.00


Loop1 oth per assets for eql


S 3506 . . .1 11 20.00 11 20.002 44 80.00 55 100.00


Loop1 other collateral for eql



S 3506 . . .1 2 3.64 2 3.642 53 96.36 55 100.00


Loop1 Non Specified Bus Assets for EQL


S 3560 . . .1 1 100.00 1 100.00


Loop1 oth Assets, bus or per n/a EQL


S 3561 . . .


Loop2 eql guaranty


S 3484 . . .1 37 48.05 37 48.052 40 51.95 77 100.00




S 3484 . . .1 72 93.51 72 93.512 5 6.49 77 100.00




S 3484 . . .1 6 7.79 6 7.792 71 92.21 77 100.00




S 3555 . . .1 2 33.33 2 33.332 4 66.67 6 100.00


Loop2 other equip or veh for eql


S 3555 . . .1 4 66.67 4 66.672 2 33.33 6 100.00




S 3555 . . .1 2 33.33 2 33.332 4 66.67 6 100.00




S 3555 . . .1 2 33.33 2 33.332 4 66.67 6 100.00




S 3555 . . .1 2 33.33 2 33.332 4 66.67 6 100.00




S 3555 . . .1 3 50.00 3 50.002 3 50.00 6 100.00




S 3555 . . .2 6 100.00 6 100.00




S 3561 . . .




S 3561 . . .


Loop3 eql guaranty


S 3534 . . .1 14 51.85 14 51.852 13 48.15 27 100.00




S 3534 . . .1 26 96.30 26 96.302 1 3.70 27 100.00




S 3534 . . .1 4 14.81 4 14.812 23 85.19 27 100.00




S 3557 . . .2 4 100.00 4 100.00


Loop3 oth equip or veh for eql


S 3557 . . .1 2 50.00 2 50.002 2 50.00 4 100.00




S 3557 . . .2 4 100.00 4 100.00




S 3557 . . .1 1 25.00 1 25.002 3 75.00 4 100.00




S 3557 . . .1 1 25.00 1 25.002 3 75.00 4 100.00




S 3557 . . .2 4 100.00 4 100.00




S 3557 . . .2 4 100.00 4 100.00




S 3561 . . .




S 3561 . . .


Loans from stockholders


S 1426 . . .1 650 30.44 650 30.442 1485 69.56 2135 100.00


Other loan filter


1 439 12.33 439 12.332 3122 87.67 3561 100.00

Loop1 line of credit


S 3122 . . .1 20 4.56 20 4.562 419 95.44 439 100.00


Loop1 capital lease


S 3122 . . .1 11 2.51 11 2.512 428 97.49 439 100.00


Loop1 mortgage for business purposes


S 3122 . . .1 37 8.43 37 8.432 402 91.57 439 100.00


Loop1 vehicle loan for business purposes


S 3122 . . .1 12 2.73 12 2.732 427 97.27 439 100.00


Loop1 equipment loan


S 3122 . . .

1 47 10.71 47 10.712 392 89.29 439 100.00


Loop1 other loan type


S 3122 . . .1 326 74.26 326 74.262 113 25.74 439 100.00


Loop1 other loan guaranty


S 3122 . . .1 191 43.51 191 43.512 248 56.49 439 100.00


Loop1 other loan collateral filter


S 3122 . . .1 185 42.14 185 42.142 254 57.86 439 100.00


Loop1 inventory or a/r for other loan


S 3376 . . .1 61 32.97 61 32.972 124 67.03 185 100.00


Loop1 equip or veh for other loan


S 3376 . . .1 66 35.68 66 35.682 119 64.32 185 100.00


Loop1 bus sec or deposits for other loan


S 3376 . . .1 24 12.97 24 12.972 161 87.03 185 100.00


Loop1 bus real estate for other loan


S 3376 . . .1 42 22.70 42 22.702 143 77.30 185 100.00


Loop1 per real estate for other loan


S 3376 . . .1 42 22.70 42 22.702 143 77.30 185 100.00


Loop1 other per assets for other loan


S 3376 . . .1 27 14.59 27 14.592 158 85.41 185 100.00


Loop1 other collateral for other loan


S 3376 . . .1 3 1.62 3 1.622 182 98.38 185 100.00


Loop1 Non Specified Bus Assets for OthL


S 3554 . . .1 7 100.00 7 100.00


Loop1 oth Assets, bus or per n/a OthL


S 3555 . . .1 6 100.00 6 100.00


Loop1 other loan compensating balance


S 3525 . . .1 2 5.56 2 5.562 34 94.44 36 100.00




S 3511 . . .1 4 8.00 4 8.002 46 92.00 50 100.00


Loop2 capital lease


S 3511 . . .2 50 100.00 50 100.00




S 3511 . . .

1 6 12.00 6 12.002 44 88.00 50 100.00




S 3511 . . .1 1 2.00 1 2.002 49 98.00 50 100.00




S 3511 . . .1 7 14.00 7 14.002 43 86.00 50 100.00




S 3511 . . .1 32 64.00 32 64.002 18 36.00 50 100.00




S 3511 . . .1 18 36.00 18 36.002 32 64.00 50 100.00




S 3511 . . .1 22 44.00 22 44.002 28 56.00 50 100.00




S 3539 . . .1 8 36.36 8 36.362 14 63.64 22 100.00




S 3539 . . .1 8 36.36 8 36.362 14 63.64 22 100.00




S 3539 . . .1 1 4.55 1 4.552 21 95.45 22 100.00




S 3539 . . .1 4 18.18 4 18.182 18 81.82 22 100.00




S 3539 . . .1 6 27.27 6 27.272 16 72.73 22 100.00




S 3539 . . .1 1 4.55 1 4.552 21 95.45 22 100.00




S 3539 . . .2 22 100.00 22 100.00




S 3561 . . .




S 3560 . . .1 1 100.00 1 100.00




S 3557 . . .2 4 100.00 4 100.00




S 3539 . . .1 3 13.64 3 13.642 19 86.36 22 100.00


Loop3 capital lease


S 3539 . . .2 22 100.00 22 100.00




S 3539 . . .1 3 13.64 3 13.642 19 86.36 22 100.00




S 3539 . . .1 1 4.55 1 4.552 21 95.45 22 100.00




S 3539 . . .1 2 9.09 2 9.092 20 90.91 22 100.00




S 3539 . . .1 14 63.64 14 63.642 8 36.36 22 100.00




S 3539 . . .1 8 36.36 8 36.362 14 63.64 22 100.00




S 3539 . . .1 9 40.91 9 40.912 13 59.09 22 100.00




S 3552 . . .1 2 22.22 2 22.222 7 77.78 9 100.00




S 3552 . . .1 4 44.44 4 44.442 5 55.56 9 100.00




S 3552 . . .2 9 100.00 9 100.00




S 3552 . . .1 2 22.22 2 22.222 7 77.78 9 100.00




S 3552 . . .1 2 22.22 2 22.222 7 77.78 9 100.00




S 3552 . . .2 9 100.00 9 100.00




S 3552 . . .2 9 100.00 9 100.00




S 3561 . . .




S 3560 . . .1 1 100.00 1 100.00




S 3557 . . .2 4 100.00 4 100.00


frequency of applying new loans 1=1 2=many 3=0

Cumulative Cumulativemrlr3 Frequency Percent Frequency Percent----------------------------------------------------------

1 436 12.24 436 12.242 526 14.77 962 27.013 2599 72.99 3561 100.00

approved/denied 1=app 2=den 3=both

Cumulative Cumulativemrlr4 Frequency Percent Frequency Percent----------------------------------------------------------

S 2599 . . .1 713 74.12 713 74.122 166 17.26 879 91.373 83 8.63 962 100.00


MRL approved loan type

Cumulative CumulativeMRL6 Frequency Percent Frequency Percent---------------------------------------------------------

S 2765 . . .1 258 32.41 258 32.412 43 5.40 301 37.813 93 11.68 394 49.504 134 16.83 528 66.335 151 18.97 679 85.306 117 14.70 796 100.00


MRL approved month

Cumulative CumulativeMRL7MO Frequency Percent Frequency Percent-----------------------------------------------------------

S 2765 . . .1 66 8.29 66 8.292 69 8.67 135 16.963 60 7.54 195 24.504 68 8.54 263 33.045 51 6.41 314 39.456 94 11.81 408 51.267 52 6.53 460 57.798 62 7.79 522 65.58

9 71 8.92 593 74.5010 60 7.54 653 82.0411 62 7.79 715 89.8212 81 10.18 796 100.00


MRL approved year

Cumulative CumulativeMRL7YR Frequency Percent Frequency Percent-----------------------------------------------------------

S 2765 . . .1996 37 4.65 37 4.651997 117 14.70 154 19.351998 237 29.77 391 49.121999 357 44.85 748 93.972000 48 6.03 796 100.00


Reason 1 Apply

Cumulative Cumulativemrl9r1 Frequency Percent Frequency Percent-----------------------------------------------------------

S 2765 . . .10 60 7.54 60 7.5411 5 0.63 65 8.1712 8 1.01 73 9.1713 1 0.13 74 9.3014 3 0.38 77 9.6715 5 0.63 82 10.3016 8 1.01 90 11.3117 2 0.25 92 11.5618 1 0.13 93 11.6820 8 1.01 101 12.6921 15 1.88 116 14.5722 23 2.89 139 17.4623 34 4.27 173 21.7325 10 1.26 183 22.9926 2 0.25 185 23.2428 1 0.13 186 23.3729 3 0.38 189 23.7431 1 0.13 190 23.8732 19 2.39 209 26.2633 12 1.51 221 27.7640 13 1.63 234 29.4041 4 0.50 238 29.9043 25 3.14 263 33.0444 82 10.30 345 43.3450 3 0.38 348 43.7251 14 1.76 362 45.4852 39 4.90 401 50.3853 24 3.02 425 53.3954 39 4.90 464 58.2955 51 6.41 515 64.7056 7 0.88 522 65.5857 132 16.58 654 82.1658 6 0.75 660 82.9159 14 1.76 674 84.67

70 9 1.13 683 85.8071 34 4.27 717 90.0872 5 0.63 722 90.7073 1 0.13 723 90.8374 1 0.13 724 90.9575 3 0.38 727 91.3377 6 0.75 733 92.0990 2 0.25 735 92.3494 38 4.77 773 97.1197 10 1.26 783 98.3799 13 1.63 796 100.00


Reason 2 Apply


S 3421 . . .10 3 2.14 3 2.1411 2 1.43 5 3.5713 1 0.71 6 4.2914 3 2.14 9 6.4316 6 4.29 15 10.7118 3 2.14 18 12.8621 11 7.86 29 20.7122 2 1.43 31 22.1423 10 7.14 41 29.2925 1 0.71 42 30.0026 5 3.57 47 33.5727 1 0.71 48 34.2929 2 1.43 50 35.7131 4 2.86 54 38.5732 4 2.86 58 41.4333 5 3.57 63 45.0040 9 6.43 72 51.4341 1 0.71 73 52.1443 2 1.43 75 53.5744 19 13.57 94 67.1452 3 2.14 97 69.2953 4 2.86 101 72.1454 5 3.57 106 75.7155 7 5.00 113 80.7156 9 6.43 122 87.1457 8 5.71 130 92.8658 2 1.43 132 94.2959 4 2.86 136 97.1470 1 0.71 137 97.8671 2 1.43 139 99.2975 1 0.71 140 100.00


Reason 3 Apply


S 3544 . . .10 1 5.88 1 5.88

11 1 5.88 2 11.7621 1 5.88 3 17.6523 2 11.76 5 29.4129 1 5.88 6 35.2940 1 5.88 7 41.1843 1 5.88 8 47.0644 2 11.76 10 58.8254 1 5.88 11 64.7155 1 5.88 12 70.5956 1 5.88 13 76.4757 1 5.88 14 82.3571 1 5.88 15 88.2475 1 5.88 16 94.1277 1 5.88 17 100.00


MRL approved compensating bal required

Cumulative CumulativeMRL11 Frequency Percent Frequency Percent----------------------------------------------------------

S 3303 . . .1 28 10.85 28 10.852 230 89.15 258 100.00


MRL approved guaranty required


S 2765 . . .1 442 55.53 442 55.532 354 44.47 796 100.00


MRL approved collateral required


S 2765 . . .1 502 63.07 502 63.072 294 36.93 796 100.00


Inventory or A/R for MRL approved

Cumulative CumulativeMRL13T1 Frequency Percent Frequency Percent------------------------------------------------------------

S 3059 . . .1 116 23.11 116 23.112 386 76.89 502 100.00


Equip or veh for MRL approved


S 3059 . . .1 277 55.18 277 55.182 225 44.82 502 100.00


Business sec or deposit for MRL approved


S 3059 . . .1 38 7.57 38 7.572 464 92.43 502 100.00


Business real estate for MRL approved


S 3059 . . .1 113 22.51 113 22.512 389 77.49 502 100.00


Personal real estate for MRL approved


S 3059 . . .1 68 13.55 68 13.552 434 86.45 502 100.00


Other personal asset for MRL approved


S 3059 . . .1 49 9.76 49 9.762 453 90.24 502 100.00


Other collateral for MRL approved


S 3059 . . .1 8 1.59 8 1.592 494 98.41 502 100.00


Non specified bus assets for MRL approve


S 3552 . . .1 9 100.00 9 100.00


Oth assets, bus or per n/a, MRL approved


S 3553 . . .1 8 100.00 8 100.00


MRL approved fixed or variable rate


S 2765 . . .1 525 65.95 525 65.952 271 34.05 796 100.00


MRL approved interest rate index


S 3290 . . .1 232 85.61 232 85.612 32 11.81 264 97.423 7 2.58 271 100.00


MRL denied loan type

Cumulative CumulativeMRL24 Frequency Percent Frequency Percent

----------------------------------------------------------S 3312 . . .1 134 53.82 134 53.822 18 7.23 152 61.043 17 6.83 169 67.874 8 3.21 177 71.085 27 10.84 204 81.936 45 18.07 249 100.00


MRL denied month

Cumulative CumulativeMRL25MO Frequency Percent Frequency Percent------------------------------------------------------------

S 3312 . . .1 20 8.03 20 8.032 18 7.23 38 15.263 24 9.64 62 24.904 17 6.83 79 31.735 14 5.62 93 37.356 42 16.87 135 54.227 10 4.02 145 58.238 24 9.64 169 67.879 27 10.84 196 78.71

10 21 8.43 217 87.1511 18 7.23 235 94.3812 14 5.62 249 100.00


MRL denied year

Cumulative CumulativeMRL25YR Frequency Percent Frequency Percent------------------------------------------------------------

S 3312 . . .1996 7 2.81 7 2.811997 27 10.84 34 13.651998 83 33.33 117 46.991999 118 47.39 235 94.382000 14 5.62 249 100.00


Reason1 applied with MRL denied Inst

Cumulative Cumulativemrl27r1 Frequency Percent Frequency Percent------------------------------------------------------------

S 3312 . . .10 24 9.64 24 9.6411 2 0.80 26 10.4413 2 0.80 28 11.2415 2 0.80 30 12.0516 1 0.40 31 12.4517 1 0.40 32 12.8520 3 1.20 35 14.0621 1 0.40 36 14.46

22 6 2.41 42 16.8723 5 2.01 47 18.8825 2 0.80 49 19.6826 1 0.40 50 20.0832 4 1.61 54 21.6933 3 1.20 57 22.8940 1 0.40 58 23.2941 1 0.40 59 23.6943 2 0.80 61 24.5044 3 1.20 64 25.7051 2 0.80 66 26.5152 1 0.40 67 26.9153 12 4.82 79 31.7354 26 10.44 105 42.1755 7 2.81 112 44.9856 1 0.40 113 45.3857 49 19.68 162 65.0659 4 1.61 166 66.6771 36 14.46 202 81.1272 1 0.40 203 81.5374 1 0.40 204 81.9377 1 0.40 205 82.3390 1 0.40 206 82.7394 33 13.25 239 95.9897 6 2.41 245 98.3999 4 1.61 249 100.00




S 3546 . . .14 1 6.67 1 6.6726 1 6.67 2 13.3333 2 13.33 4 26.6745 1 6.67 5 33.3353 1 6.67 6 40.0054 3 20.00 9 60.0055 1 6.67 10 66.6757 4 26.67 14 93.3359 1 6.67 15 100.00




S 3559 . . .21 1 50.00 1 50.0043 1 50.00 2 100.00


MRL denied official reason1


S 3312 . . .11 28 11.24 28 11.2413 2 0.80 30 12.0521 1 0.40 31 12.4522 4 1.61 35 14.0630 44 17.67 79 31.7331 5 2.01 84 33.7332 27 10.84 111 44.5833 26 10.44 137 55.0234 4 1.61 141 56.6335 5 2.01 146 58.6336 17 6.83 163 65.4641 1 0.40 164 65.8642 8 3.21 172 69.0843 12 4.82 184 73.9045 8 3.21 192 77.1146 2 0.80 194 77.9147 3 1.20 197 79.1253 3 1.20 200 80.3262 4 1.61 204 81.9366 1 0.40 205 82.3367 1 0.40 206 82.7391 1 0.40 207 83.1395 6 2.41 213 85.5497 33 13.25 246 98.8098 3 1.20 249 100.00




S 3538 . . .11 1 4.35 1 4.3530 3 13.04 4 17.3931 1 4.35 5 21.7432 5 21.74 10 43.4833 3 13.04 13 56.5236 2 8.70 15 65.2241 1 4.35 16 69.5742 1 4.35 17 73.9145 1 4.35 18 78.2647 2 8.70 20 86.9662 1 4.35 21 91.3072 1 4.35 22 95.6595 1 4.35 23 100.00




S 3561 . . .


MRL denied other reasons


S 3312 . . .1 81 32.53 81 32.532 168 67.47 249 100.00


MRL denied other reason1


S 3480 . . .11 4 4.94 4 4.9413 2 2.47 6 7.4122 1 1.23 7 8.6430 4 4.94 11 13.5831 1 1.23 12 14.8132 6 7.41 18 22.2233 4 4.94 22 27.1635 1 1.23 23 28.4036 3 3.70 26 32.1041 1 1.23 27 33.3342 3 3.70 30 37.0443 1 1.23 31 38.2745 1 1.23 32 39.5146 2 2.47 34 41.9847 1 1.23 35 43.2153 3 3.70 38 46.9164 4 4.94 42 51.8565 6 7.41 48 59.2666 2 2.47 50 61.7368 2 2.47 52 64.2069 1 1.23 53 65.4372 3 3.70 56 69.1497 24 29.63 80 98.7798 1 1.23 81 100.00




S 3559 . . .36 1 50.00 1 50.0041 1 50.00 2 100.00




S 3561 . . .


Didn't apply fearing denial


1 793 22.27 793 22.272 2768 77.73 3561 100.00

Reason1 feared application denial


S 2768 . . .11 51 6.43 51 6.4312 4 0.50 55 6.9414 3 0.38 58 7.3121 1 0.13 59 7.4422 2 0.25 61 7.6930 73 9.21 134 16.9031 11 1.39 145 18.2832 85 10.72 230 29.0033 114 14.38 344 43.3834 13 1.64 357 45.0235 13 1.64 370 46.6636 73 9.21 443 55.8641 50 6.31 493 62.1742 39 4.92 532 67.0943 20 2.52 552 69.6145 25 3.15 577 72.7646 9 1.13 586 73.9047 14 1.77 600 75.6652 2 0.25 602 75.9153 7 0.88 609 76.8054 2 0.25 611 77.0556 1 0.13 612 77.1862 2 0.25 614 77.4365 13 1.64 627 79.0766 5 0.63 632 79.7067 1 0.13 633 79.8268 6 0.76 639 80.5869 3 0.38 642 80.9671 60 7.57 702 88.5272 17 2.14 719 90.6795 3 0.38 722 91.0597 59 7.44 781 98.4998 12 1.51 793 100.00




mrl31r2 Frequency Percent Frequency Percent------------------------------------------------------------

S 3500 . . .11 13 21.31 13 21.3130 6 9.84 19 31.1531 1 1.64 20 32.7932 5 8.20 25 40.9833 7 11.48 32 52.4635 2 3.28 34 55.7436 3 4.92 37 60.6641 7 11.48 44 72.1342 4 6.56 48 78.6943 3 4.92 51 83.6152 1 1.64 52 85.2553 1 1.64 53 86.8965 3 4.92 56 91.8068 1 1.64 57 93.4471 4 6.56 61 100.00




S 3557 . . .13 1 25.00 1 25.0030 1 25.00 2 50.0041 1 25.00 3 75.0066 1 25.00 4 100.00


Use transaction services

Cumulative CumulativeG1 Frequency Percent Frequency Percent-------------------------------------------------------1 1669 46.87 1669 46.872 1892 53.13 3561 100.00

Use cash management services


Use credit related services


Use trust services


Use brokerage services


INST 1 TYPE

Cumulative CumulativeITYPE1 Frequency Percent Frequency Percent-----------------------------------------------------------

S 107 . . .1 3111 90.07 3111 90.072 161 4.66 3272 94.733 26 0.75 3298 95.484 110 3.18 3408 98.675 9 0.26 3417 98.936 2 0.06 3419 98.997 23 0.67 3442 99.658 1 0.03 3443 99.68

11 7 0.20 3450 99.8812 3 0.09 3453 99.9713 1 0.03 3454 100.00


INST 2 TYPE


S 1329 . . .1 943 42.25 943 42.252 67 3.00 1010 45.253 19 0.85 1029 46.104 61 2.73 1090 48.845 357 15.99 1447 64.836 46 2.06 1493 66.897 219 9.81 1712 76.708 185 8.29 1897 84.999 25 1.12 1922 86.11

10 6 0.27 1928 86.3811 95 4.26 2023 90.6412 100 4.48 2123 95.1213 27 1.21 2150 96.3315 12 0.54 2162 96.8616 56 2.51 2218 99.3717 1 0.04 2219 99.4218 2 0.09 2221 99.5119 4 0.18 2225 99.69

20 4 0.18 2229 99.8721 3 0.13 2232 100.00


INST 3 TYPE


S 2288 . . .1 372 29.22 372 29.222 24 1.89 396 31.113 10 0.79 406 31.894 27 2.12 433 34.015 282 22.15 715 56.176 47 3.69 762 59.867 146 11.47 908 71.338 127 9.98 1035 81.309 14 1.10 1049 82.40

10 6 0.47 1055 82.8811 74 5.81 1129 88.6912 71 5.58 1200 94.2713 16 1.26 1216 95.5214 1 0.08 1217 95.6015 5 0.39 1222 95.9916 40 3.14 1262 99.1417 2 0.16 1264 99.2918 2 0.16 1266 99.4519 2 0.16 1268 99.6120 4 0.31 1272 99.9221 1 0.08 1273 100.00


INST 4 TYPE


S 2883 . . .1 171 25.22 171 25.222 9 1.33 180 26.553 5 0.74 185 27.294 8 1.18 193 28.475 140 20.65 333 49.126 43 6.34 376 55.467 99 14.60 475 70.068 62 9.14 537 79.209 14 2.06 551 81.27

10 4 0.59 555 81.8611 33 4.87 588 86.7312 42 6.19 630 92.9213 10 1.47 640 94.4015 4 0.59 644 94.9916 22 3.24 666 98.2317 3 0.44 669 98.6719 2 0.29 671 98.9720 4 0.59 675 99.5621 3 0.44 678 100.00


INST 5 TYPE


S 3226 . . .1 74 22.09 74 22.092 6 1.79 80 23.883 1 0.30 81 24.184 2 0.60 83 24.785 75 22.39 158 47.166 19 5.67 177 52.847 56 16.72 233 69.558 31 9.25 264 78.819 3 0.90 267 79.70

10 3 0.90 270 80.6011 19 5.67 289 86.2712 25 7.46 314 93.7313 11 3.28 325 97.0114 1 0.30 326 97.3115 1 0.30 327 97.6116 3 0.90 330 98.5118 1 0.30 331 98.8119 2 0.60 333 99.4020 1 0.30 334 99.7021 1 0.30 335 100.00


INST 6 TYPE


S 3378 . . .1 42 22.95 42 22.952 2 1.09 44 24.044 1 0.55 45 24.595 32 17.49 77 42.086 13 7.10 90 49.187 27 14.75 117 63.938 18 9.84 135 73.779 1 0.55 136 74.32

11 18 9.84 154 84.1512 14 7.65 168 91.8013 7 3.83 175 95.6315 2 1.09 177 96.7216 2 1.09 179 97.8117 1 0.55 180 98.3618 1 0.55 181 98.9120 1 0.55 182 99.4521 1 0.55 183 100.00


INST 7 TYPE


ITYPE7 Frequency Percent Frequency Percent-----------------------------------------------------------

S 3455 . . .1 24 22.64 24 22.642 2 1.89 26 24.533 1 0.94 27 25.474 3 2.83 30 28.305 25 23.58 55 51.896 3 2.83 58 54.727 16 15.09 74 69.818 9 8.49 83 78.30

11 8 7.55 91 85.8512 6 5.66 97 91.5113 5 4.72 102 96.2316 3 2.83 105 99.0617 1 0.94 106 100.00


INST 8 TYPE


S 3497 . . .1 16 25.00 16 25.004 1 1.56 17 26.565 10 15.63 27 42.196 5 7.81 32 50.007 8 12.50 40 62.508 12 18.75 52 81.259 1 1.56 53 82.81

11 1 1.56 54 84.3812 5 7.81 59 92.1913 1 1.56 60 93.7514 1 1.56 61 95.3116 1 1.56 62 96.8818 1 1.56 63 98.4421 1 1.56 64 100.00


INST 9 TYPE


S 3524 . . .1 6 16.22 6 16.225 10 27.03 16 43.246 7 18.92 23 62.167 5 13.51 28 75.688 5 13.51 33 89.19

11 1 2.70 34 91.8912 3 8.11 37 100.00


INST 10 TYPE

Cumulative CumulativeITYPE10 Frequency Percent Frequency Percent------------------------------------------------------------

S 3543 . . .1 4 22.22 4 22.225 3 16.67 7 38.896 2 11.11 9 50.007 2 11.11 11 61.118 1 5.56 12 66.67

10 1 5.56 13 72.2211 4 22.22 17 94.4412 1 5.56 18 100.00


INST 11 TYPE


S 3552 . . .1 4 44.44 4 44.445 2 22.22 6 66.678 1 11.11 7 77.78

12 1 11.11 8 88.8913 1 11.11 9 100.00


INST 12 TYPE


S 3554 . . .1 1 14.29 1 14.295 1 14.29 2 28.576 1 14.29 3 42.868 1 14.29 4 57.14

11 2 28.57 6 85.7112 1 14.29 7 100.00


INST 13 TYPE


S 3555 . . .1 2 33.33 2 33.337 1 16.67 3 50.008 1 16.67 4 66.67

12 2 33.33 6 100.00


INST 14 TYPE


S 3558 . . .1 1 33.33 1 33.335 1 33.33 2 66.676 1 33.33 3 100.00


INST 15 TYPE


S 3558 . . .7 1 33.33 1 33.33

11 1 33.33 2 66.6712 1 33.33 3 100.00


INST 16 TYPE


S 3559 . . .5 1 50.00 1 50.00

11 1 50.00 2 100.00


INST 17 TYPE


S 3559 . . .11 1 50.00 1 50.0012 1 50.00 2 100.00


INST 18 TYPE


S 3559 . . .5 1 50.00 1 50.00

11 1 50.00 2 100.00


INST 19 TYPE


ITYPE19 Frequency Percent Frequency Percent------------------------------------------------------------

S 3559 . . .11 2 100.00 2 100.00


INST 20 TYPE


S 3560 . . .11 1 100.00 1 100.00


Reason #1 for using Institution 1

Cumulative Cumulativeih3a1 Frequency Percent Frequency Percent----------------------------------------------------------

S 107 . . .10 59 1.71 59 1.7111 28 0.81 87 2.5212 19 0.55 106 3.0713 5 0.14 111 3.2114 5 0.14 116 3.3615 7 0.20 123 3.5616 4 0.12 127 3.6817 4 0.12 131 3.7918 3 0.09 134 3.8820 49 1.42 183 5.3021 116 3.36 299 8.6622 660 19.11 959 27.7623 332 9.61 1291 37.3824 10 0.29 1301 37.6725 60 1.74 1361 39.4026 40 1.16 1401 40.5627 24 0.69 1425 41.2628 7 0.20 1432 41.4629 8 0.23 1440 41.6930 11 0.32 1451 42.0131 3 0.09 1454 42.1032 178 5.15 1632 47.2533 25 0.72 1657 47.9740 59 1.71 1716 49.6841 61 1.77 1777 51.4542 9 0.26 1786 51.7143 20 0.58 1806 52.2944 51 1.48 1857 53.7645 4 0.12 1861 53.8851 2 0.06 1863 53.9452 4 0.12 1867 54.0553 75 2.17 1942 56.2254 279 8.08 2221 64.3055 190 5.50 2411 69.8056 71 2.06 2482 71.8657 491 14.22 2973 86.0758 23 0.67 2996 86.7459 5 0.14 3001 86.88

70 54 1.56 3055 88.4571 28 0.81 3083 89.2672 107 3.10 3190 92.3673 1 0.03 3191 92.3974 8 0.23 3199 92.6275 14 0.41 3213 93.0276 1 0.03 3214 93.0577 29 0.84 3243 93.8990 21 0.61 3264 94.5092 1 0.03 3265 94.5393 1 0.03 3266 94.5694 30 0.87 3296 95.4397 140 4.05 3436 99.4899 18 0.52 3454 100.00




S 1329 . . .10 106 4.75 106 4.7511 14 0.63 120 5.3812 27 1.21 147 6.5913 11 0.49 158 7.0814 2 0.09 160 7.1715 6 0.27 166 7.4416 11 0.49 177 7.9317 7 0.31 184 8.2420 53 2.37 237 10.6221 40 1.79 277 12.4122 149 6.68 426 19.0923 132 5.91 558 25.0025 38 1.70 596 26.7026 5 0.22 601 26.9327 7 0.31 608 27.2428 3 0.13 611 27.3729 4 0.18 615 27.5530 11 0.49 626 28.0531 8 0.36 634 28.4132 30 1.34 664 29.7533 13 0.58 677 30.3340 65 2.91 742 33.2441 27 1.21 769 34.4542 11 0.49 780 34.9543 70 3.14 850 38.0844 177 7.93 1027 46.0145 30 1.34 1057 47.3650 19 0.85 1076 48.2151 119 5.33 1195 53.5452 117 5.24 1312 58.7853 124 5.56 1436 64.3454 90 4.03 1526 68.3755 128 5.73 1654 74.1056 21 0.94 1675 75.0457 159 7.12 1834 82.1758 18 0.81 1852 82.9759 4 0.18 1856 83.1570 12 0.54 1868 83.6971 80 3.58 1948 87.28

72 30 1.34 1978 88.6273 13 0.58 1991 89.2074 17 0.76 2008 89.9675 8 0.36 2016 90.3276 1 0.04 2017 90.3777 7 0.31 2024 90.6890 8 0.36 2032 91.0492 1 0.04 2033 91.0893 1 0.04 2034 91.1394 39 1.75 2073 92.8897 123 5.51 2196 98.3999 36 1.61 2232 100.00




S 2288 . . .10 71 5.58 71 5.5811 8 0.63 79 6.2112 15 1.18 94 7.3813 1 0.08 95 7.4615 4 0.31 99 7.7816 4 0.31 103 8.0917 3 0.24 106 8.3318 1 0.08 107 8.4120 38 2.99 145 11.3921 25 1.96 170 13.3522 48 3.77 218 17.1223 70 5.50 288 22.6224 1 0.08 289 22.7025 18 1.41 307 24.1226 1 0.08 308 24.1927 1 0.08 309 24.2728 3 0.24 312 24.5129 2 0.16 314 24.6730 4 0.31 318 24.9831 5 0.39 323 25.3732 11 0.86 334 26.2433 3 0.24 337 26.4740 61 4.79 398 31.2641 11 0.86 409 32.1342 3 0.24 412 32.3643 35 2.75 447 35.1144 103 8.09 550 43.2145 19 1.49 569 44.7050 7 0.55 576 45.2551 80 6.28 656 51.5352 97 7.62 753 59.1553 86 6.76 839 65.9154 36 2.83 875 68.7455 82 6.44 957 75.1856 15 1.18 972 76.3657 79 6.21 1051 82.5658 13 1.02 1064 83.5870 4 0.31 1068 83.9071 53 4.16 1121 88.0672 14 1.10 1135 89.1673 11 0.86 1146 90.02

74 4 0.31 1150 90.3475 8 0.63 1158 90.9776 1 0.08 1159 91.0477 3 0.24 1162 91.2890 1 0.08 1163 91.3693 1 0.08 1164 91.4494 35 2.75 1199 94.1997 63 4.95 1262 99.1499 11 0.86 1273 100.00




S 2883 . . .10 35 5.16 35 5.1611 4 0.59 39 5.7512 4 0.59 43 6.3413 1 0.15 44 6.4916 3 0.44 47 6.9317 4 0.59 51 7.5218 2 0.29 53 7.8220 28 4.13 81 11.9521 14 2.06 95 14.0122 12 1.77 107 15.7823 48 7.08 155 22.8625 17 2.51 172 25.3726 1 0.15 173 25.5227 1 0.15 174 25.6628 2 0.29 176 25.9629 2 0.29 178 26.2530 2 0.29 180 26.5531 4 0.59 184 27.1432 4 0.59 188 27.7340 32 4.72 220 32.4541 6 0.88 226 33.3342 1 0.15 227 33.4843 24 3.54 251 37.0244 47 6.93 298 43.9545 8 1.18 306 45.1350 5 0.74 311 45.8751 39 5.75 350 51.6252 50 7.37 400 59.0053 54 7.96 454 66.9654 17 2.51 471 69.4755 48 7.08 519 76.5556 6 0.88 525 77.4357 29 4.28 554 81.7158 7 1.03 561 82.7470 5 0.74 566 83.4871 35 5.16 601 88.6472 4 0.59 605 89.2373 3 0.44 608 89.6875 3 0.44 611 90.1276 1 0.15 612 90.2777 3 0.44 615 90.7190 3 0.44 618 91.1594 28 4.13 646 95.2897 29 4.28 675 99.56

99 3 0.44 678 100.00




S 3226 . . .10 27 8.06 27 8.0612 2 0.60 29 8.6613 1 0.30 30 8.9614 1 0.30 31 9.2515 3 0.90 34 10.1516 2 0.60 36 10.7520 12 3.58 48 14.3321 9 2.69 57 17.0122 9 2.69 66 19.7023 18 5.37 84 25.0725 9 2.69 93 27.7627 2 0.60 95 28.3629 2 0.60 97 28.9631 3 0.90 100 29.8532 4 1.19 104 31.0433 3 0.90 107 31.9440 15 4.48 122 36.4241 2 0.60 124 37.0142 1 0.30 125 37.3143 8 2.39 133 39.7044 28 8.36 161 48.0645 2 0.60 163 48.6650 3 0.90 166 49.5551 15 4.48 181 54.0352 25 7.46 206 61.4953 31 9.25 237 70.7554 10 2.99 247 73.7355 16 4.78 263 78.5156 4 1.19 267 79.7057 18 5.37 285 85.0758 2 0.60 287 85.6770 3 0.90 290 86.5771 14 4.18 304 90.7572 1 0.30 305 91.0473 2 0.60 307 91.6475 1 0.30 308 91.9476 1 0.30 309 92.2477 1 0.30 310 92.5490 1 0.30 311 92.8494 9 2.69 320 95.5297 14 4.18 334 99.7099 1 0.30 335 100.00




S 3378 . . .

10 12 6.56 12 6.5612 2 1.09 14 7.6513 1 0.55 15 8.2014 1 0.55 16 8.7415 1 0.55 17 9.2917 3 1.64 20 10.9320 10 5.46 30 16.3921 4 2.19 34 18.5822 5 2.73 39 21.3123 8 4.37 47 25.6825 8 4.37 55 30.0527 1 0.55 56 30.6029 1 0.55 57 31.1531 1 0.55 58 31.6940 12 6.56 70 38.2541 1 0.55 71 38.8043 5 2.73 76 41.5344 16 8.74 92 50.2745 2 1.09 94 51.3751 7 3.83 101 55.1952 16 8.74 117 63.9353 10 5.46 127 69.4054 6 3.28 133 72.6855 9 4.92 142 77.6056 4 2.19 146 79.7857 5 2.73 151 82.5158 4 2.19 155 84.7071 9 4.92 164 89.6294 5 2.73 169 92.3597 12 6.56 181 98.9199 2 1.09 183 100.00




S 3455 . . .10 6 5.66 6 5.6615 1 0.94 7 6.6016 1 0.94 8 7.5517 1 0.94 9 8.4920 5 4.72 14 13.2121 2 1.89 16 15.0922 3 2.83 19 17.9223 2 1.89 21 19.8125 4 3.77 25 23.5831 1 0.94 26 24.5333 3 2.83 29 27.3640 4 3.77 33 31.1341 1 0.94 34 32.0843 4 3.77 38 35.8544 6 5.66 44 41.5145 2 1.89 46 43.4050 1 0.94 47 44.3451 6 5.66 53 50.0052 8 7.55 61 57.5553 5 4.72 66 62.2654 1 0.94 67 63.2155 1 0.94 68 64.15

57 3 2.83 71 66.9870 1 0.94 72 67.9271 3 2.83 75 70.7575 1 0.94 76 71.7094 3 2.83 79 74.5397 27 25.47 106 100.00




S 3497 . . .10 1 1.56 1 1.5620 2 3.13 3 4.6921 1 1.56 4 6.2529 1 1.56 5 7.8130 1 1.56 6 9.3840 3 4.69 9 14.0643 1 1.56 10 15.6344 2 3.13 12 18.7551 2 3.13 14 21.8853 3 4.69 17 26.5654 1 1.56 18 28.1356 1 1.56 19 29.6971 1 1.56 20 31.2597 44 68.75 64 100.00




S 3524 . . .10 2 5.41 2 5.4151 1 2.70 3 8.1157 1 2.70 4 10.8171 2 5.41 6 16.2297 31 83.78 37 100.00



Cumulative Cumulativeih3a10 Frequency Percent Frequency Percent-----------------------------------------------------------

S 3543 . . .20 1 5.56 1 5.5625 1 5.56 2 11.1151 1 5.56 3 16.6753 1 5.56 4 22.2271 1 5.56 5 27.7897 13 72.22 18 100.00




S 3552 . . .43 1 11.11 1 11.1171 1 11.11 2 22.2297 7 77.78 9 100.00




S 3554 . . .44 1 14.29 1 14.2997 6 85.71 7 100.00




S 3555 . . .51 1 16.67 1 16.6797 5 83.33 6 100.00




S 3558 . . .97 3 100.00 3 100.00




S 3558 . . .97 3 100.00 3 100.00




ih3a16 Frequency Percent Frequency Percent-----------------------------------------------------------

S 3559 . . .97 2 100.00 2 100.00




S 3559 . . .97 2 100.00 2 100.00




S 3559 . . .97 2 100.00 2 100.00




S 3559 . . .97 2 100.00 2 100.00




S 3560 . . .97 1 100.00 1 100.00



Cumulative Cumulativeih3b1 Frequency Percent Frequency Percent----------------------------------------------------------

S 2728 . . .10 13 1.56 13 1.5611 5 0.60 18 2.1612 2 0.24 20 2.4013 1 0.12 21 2.5214 4 0.48 25 3.00

17 1 0.12 26 3.1218 1 0.12 27 3.2420 21 2.52 48 5.7621 78 9.36 126 15.1322 72 8.64 198 23.7723 98 11.76 296 35.5324 12 1.44 308 36.9725 15 1.80 323 38.7826 31 3.72 354 42.5027 10 1.20 364 43.7028 6 0.72 370 44.4229 5 0.60 375 45.0231 7 0.84 382 45.8632 30 3.60 412 49.4633 19 2.28 431 51.7440 17 2.04 448 53.7841 32 3.84 480 57.6242 4 0.48 484 58.1043 4 0.48 488 58.5844 25 3.00 513 61.5845 3 0.36 516 61.9453 13 1.56 529 63.5154 50 6.00 579 69.5155 56 6.72 635 76.2356 52 6.24 687 82.4757 75 9.00 762 91.4858 5 0.60 767 92.0859 3 0.36 770 92.4470 13 1.56 783 94.0071 6 0.72 789 94.7272 16 1.92 805 96.6474 2 0.24 807 96.8875 7 0.84 814 97.7276 1 0.12 815 97.8477 10 1.20 825 99.0497 8 0.96 833 100.00




S 3274 . . .10 12 4.18 12 4.1811 4 1.39 16 5.5712 1 0.35 17 5.9214 4 1.39 21 7.3216 1 0.35 22 7.6720 14 4.88 36 12.5421 17 5.92 53 18.4722 13 4.53 66 23.0023 25 8.71 91 31.7125 11 3.83 102 35.5426 3 1.05 105 36.5927 5 1.74 110 38.3330 4 1.39 114 39.7231 1 0.35 115 40.0732 5 1.74 120 41.8133 4 1.39 124 43.2140 14 4.88 138 48.08

41 11 3.83 149 51.9242 4 1.39 153 53.3143 9 3.14 162 56.4544 15 5.23 177 61.6745 3 1.05 180 62.7250 3 1.05 183 63.7651 1 0.35 184 64.1152 10 3.48 194 67.6053 5 1.74 199 69.3454 14 4.88 213 74.2255 20 6.97 233 81.1856 8 2.79 241 83.9757 16 5.57 257 89.5558 2 0.70 259 90.2459 1 0.35 260 90.5971 2 0.70 262 91.2972 4 1.39 266 92.6874 1 0.35 267 93.0377 2 0.70 269 93.7394 1 0.35 270 94.0897 17 5.92 287 100.00




S 3430 . . .10 7 5.34 7 5.3413 1 0.76 8 6.1114 1 0.76 9 6.8718 2 1.53 11 8.4020 7 5.34 18 13.7421 4 3.05 22 16.7922 7 5.34 29 22.1423 10 7.63 39 29.7725 3 2.29 42 32.0626 2 1.53 44 33.5932 1 0.76 45 34.3533 1 0.76 46 35.1140 6 4.58 52 39.6941 6 4.58 58 44.2742 1 0.76 59 45.0443 4 3.05 63 48.0944 23 17.56 86 65.6551 1 0.76 87 66.4152 6 4.58 93 70.9953 1 0.76 94 71.7654 4 3.05 98 74.8155 5 3.82 103 78.6356 4 3.05 107 81.6857 4 3.05 111 84.7359 2 1.53 113 86.2670 1 0.76 114 87.0271 5 3.82 119 90.8472 2 1.53 121 92.3777 2 1.53 123 93.8994 1 0.76 124 94.6697 7 5.34 131 100.00




S 3492 . . .10 2 2.90 2 2.9013 1 1.45 3 4.3516 1 1.45 4 5.8018 1 1.45 5 7.2520 4 5.80 9 13.0421 3 4.35 12 17.3923 6 8.70 18 26.0925 2 2.90 20 28.9931 2 2.90 22 31.8833 3 4.35 25 36.2340 11 15.94 36 52.1741 3 4.35 39 56.5243 2 2.90 41 59.4244 5 7.25 46 66.6745 2 2.90 48 69.5751 1 1.45 49 71.0152 2 2.90 51 73.9153 1 1.45 52 75.3654 1 1.45 53 76.8155 4 5.80 57 82.6156 1 1.45 58 84.0657 1 1.45 59 85.5177 1 1.45 60 86.9697 9 13.04 69 100.00




S 3523 . . .14 1 2.63 1 2.6320 1 2.63 2 5.2621 1 2.63 3 7.8922 1 2.63 4 10.5323 3 7.89 7 18.4225 2 5.26 9 23.6826 1 2.63 10 26.3231 2 5.26 12 31.5832 1 2.63 13 34.2133 1 2.63 14 36.8440 3 7.89 17 44.7441 2 5.26 19 50.0043 2 5.26 21 55.2644 5 13.16 26 68.4245 1 2.63 27 71.0551 1 2.63 28 73.6852 1 2.63 29 76.3255 1 2.63 30 78.9556 1 2.63 31 81.5857 2 5.26 33 86.84

71 1 2.63 34 89.4797 4 10.53 38 100.00




S 3543 . . .10 3 16.67 3 16.6720 1 5.56 4 22.2222 1 5.56 5 27.7823 2 11.11 7 38.8940 4 22.22 11 61.1141 1 5.56 12 66.6751 1 5.56 13 72.2256 1 5.56 14 77.7857 1 5.56 15 83.3397 3 16.67 18 100.00




S 3532 . . .20 1 3.45 1 3.4521 1 3.45 2 6.9022 1 3.45 3 10.3440 1 3.45 4 13.7944 2 6.90 6 20.6957 1 3.45 7 24.1497 22 75.86 29 100.00




S 3518 . . .13 1 2.33 1 2.3397 42 97.67 43 100.00




S 3530 . . .97 31 100.00 31 100.00



Cumulative Cumulativeih3b10 Frequency Percent Frequency Percent-----------------------------------------------------------

S 3548 . . .97 13 100.00 13 100.00




S 3554 . . .97 7 100.00 7 100.00




S 3555 . . .97 6 100.00 6 100.00




S 3556 . . .97 5 100.00 5 100.00




S 3558 . . .97 3 100.00 3 100.00




S 3558 . . .97 3 100.00 3 100.00




S 3559 . . .97 2 100.00 2 100.00




S 3559 . . .97 2 100.00 2 100.00




S 3559 . . .97 2 100.00 2 100.00




S 3559 . . .97 2 100.00 2 100.00




S 3560 . . .97 1 100.00 1 100.00



Cumulative Cumulativeih3c1 Frequency Percent Frequency Percent----------------------------------------------------------

S 3437 . . .10 2 1.61 2 1.6111 1 0.81 3 2.4212 2 1.61 5 4.0320 4 3.23 9 7.2621 14 11.29 23 18.5522 9 7.26 32 25.8123 10 8.06 42 33.8725 4 3.23 46 37.1026 2 1.61 48 38.7127 1 0.81 49 39.5228 3 2.42 52 41.9430 1 0.81 53 42.7431 2 1.61 55 44.3532 4 3.23 59 47.5833 2 1.61 61 49.1940 2 1.61 63 50.8141 2 1.61 65 52.4242 1 0.81 66 53.2344 4 3.23 70 56.4545 2 1.61 72 58.0653 1 0.81 73 58.8754 2 1.61 75 60.4855 7 5.65 82 66.1356 18 14.52 100 80.6557 4 3.23 104 83.8759 2 1.61 106 85.4871 1 0.81 107 86.2972 3 2.42 110 88.7175 1 0.81 111 89.5276 1 0.81 112 90.3277 4 3.23 116 93.5597 8 6.45 124 100.00




S 3526 . . .20 1 2.86 1 2.8621 2 5.71 3 8.5722 1 2.86 4 11.4323 1 2.86 5 14.2925 2 5.71 7 20.0026 1 2.86 8 22.8627 1 2.86 9 25.7128 1 2.86 10 28.5732 1 2.86 11 31.4340 2 5.71 13 37.1444 1 2.86 14 40.0055 1 2.86 15 42.8656 1 2.86 16 45.7171 2 5.71 18 51.4397 17 48.57 35 100.00




S 3547 . . .20 1 7.14 1 7.1421 1 7.14 2 14.2925 2 14.29 4 28.5730 1 7.14 5 35.7140 1 7.14 6 42.8641 1 7.14 7 50.0097 7 50.00 14 100.00




S 3550 . . .45 1 9.09 1 9.0956 1 9.09 2 18.1897 9 81.82 11 100.00




S 3555 . . .21 1 16.67 1 16.6772 1 16.67 2 33.3397 4 66.67 6 100.00




S 3558 . . .97 3 100.00 3 100.00




S 3539 . . .97 22 100.00 22 100.00




S 3519 . . .97 42 100.00 42 100.00




S 3530 . . .97 31 100.00 31 100.00



Cumulative Cumulativeih3c10 Frequency Percent Frequency Percent-----------------------------------------------------------

S 3548 . . .97 13 100.00 13 100.00




S 3554 . . .97 7 100.00 7 100.00




S 3555 . . .97 6 100.00 6 100.00




S 3556 . . .97 5 100.00 5 100.00




S 3558 . . .97 3 100.00 3 100.00




S 3558 . . .97 3 100.00 3 100.00




S 3559 . . .97 2 100.00 2 100.00




S 3559 . . .97 2 100.00 2 100.00




S 3559 . . .97 2 100.00 2 100.00




S 3559 . . .97 2 100.00 2 100.00




S 3560 . . .97 1 100.00 1 100.00


Institution 1 in same area as firm HQ

Cumulative Cumulativeisame1 Frequency Percent Frequency Percent-----------------------------------------------------------

S 107 . . .1 3182 92.13 3182 92.132 272 7.87 3454 100.00




S 1329 . . .-3 5 0.22 5 0.221 1138 50.99 1143 51.212 1089 48.79 2232 100.00




S 2288 . . .-3 3 0.24 3 0.241 511 40.14 514 40.382 759 59.62 1273 100.00




S 2883 . . .1 251 37.02 251 37.022 427 62.98 678 100.00




S 3226 . . .-3 1 0.30 1 0.301 127 37.91 128 38.212 207 61.79 335 100.00




S 3378 . . .-3 1 0.55 1 0.551 62 33.88 63 34.432 120 65.57 183 100.00




S 3455 . . .1 34 32.08 34 32.082 72 67.92 106 100.00




S 3497 . . .1 24 37.50 24 37.502 40 62.50 64 100.00




S 3524 . . .

1 9 24.32 9 24.322 28 75.68 37 100.00



Cumulative Cumulativeisame10 Frequency Percent Frequency Percent------------------------------------------------------------

S 3543 . . .1 9 50.00 9 50.002 9 50.00 18 100.00




S 3552 . . .1 2 22.22 2 22.222 7 77.78 9 100.00




S 3554 . . .1 1 14.29 1 14.292 6 85.71 7 100.00




S 3555 . . .1 3 50.00 3 50.002 3 50.00 6 100.00




S 3558 . . .1 2 66.67 2 66.672 1 33.33 3 100.00




S 3558 . . .1 2 66.67 2 66.672 1 33.33 3 100.00




S 3559 . . .2 2 100.00 2 100.00




S 3559 . . .1 2 100.00 2 100.00




S 3559 . . .1 2 100.00 2 100.00




S 3559 . . .2 2 100.00 2 100.00



Cumulative Cumulativeisame20 Frequency Percent Frequency Percent

------------------------------------------------------------S 3560 . . .1 1 100.00 1 100.00


Most frequent interface with inst 1

Cumulative Cumulativeimeth1 Frequency Percent Frequency Percent-----------------------------------------------------------

S 107 . . .1 2860 82.80 2860 82.802 265 7.67 3125 90.473 115 3.33 3240 93.804 29 0.84 3269 94.645 73 2.11 3342 96.766 52 1.51 3394 98.267 13 0.38 3407 98.64

11 3 0.09 3410 98.7312 1 0.03 3411 98.7613 2 0.06 3413 98.8114 29 0.84 3442 99.6515 2 0.06 3444 99.7116 1 0.03 3445 99.7495 7 0.20 3452 99.9498 2 0.06 3454 100.00




S 1329 . . .1 834 37.37 834 37.372 404 18.10 1238 55.473 796 35.66 2034 91.134 104 4.66 2138 95.795 21 0.94 2159 96.736 38 1.70 2197 98.437 10 0.45 2207 98.88

11 5 0.22 2212 99.1012 2 0.09 2214 99.1913 3 0.13 2217 99.3314 1 0.04 2218 99.3715 3 0.13 2221 99.5116 5 0.22 2226 99.7395 1 0.04 2227 99.7896 1 0.04 2228 99.8297 2 0.09 2230 99.9198 2 0.09 2232 100.00



Cumulative Cumulativeimeth3 Frequency Percent Frequency Percent

-----------------------------------------------------------S 2288 . . .1 319 25.06 319 25.062 262 20.58 581 45.643 562 44.15 1143 89.794 66 5.18 1209 94.975 12 0.94 1221 95.926 25 1.96 1246 97.887 9 0.71 1255 98.59

11 5 0.39 1260 98.9812 2 0.16 1262 99.1413 1 0.08 1263 99.2115 4 0.31 1267 99.5316 2 0.16 1269 99.6995 1 0.08 1270 99.7696 1 0.08 1271 99.8498 2 0.16 1273 100.00




S 2883 . . .1 151 22.27 151 22.272 152 22.42 303 44.693 308 45.43 611 90.124 33 4.87 644 94.995 2 0.29 646 95.286 18 2.65 664 97.947 9 1.33 673 99.26

11 1 0.15 674 99.4113 1 0.15 675 99.5616 1 0.15 676 99.7196 2 0.29 678 100.00




S 3226 . . .1 71 21.19 71 21.192 79 23.58 150 44.783 147 43.88 297 88.664 22 6.57 319 95.225 1 0.30 320 95.526 7 2.09 327 97.617 1 0.30 328 97.91

11 2 0.60 330 98.5113 2 0.60 332 99.1016 3 0.90 335 100.00




S 3378 . . .1 41 22.40 41 22.402 39 21.31 80 43.723 79 43.17 159 86.894 12 6.56 171 93.446 8 4.37 179 97.817 1 0.55 180 98.36

11 1 0.55 181 98.9115 1 0.55 182 99.4596 1 0.55 183 100.00




S 3455 . . .1 23 21.70 23 21.702 19 17.92 42 39.623 50 47.17 92 86.794 5 4.72 97 91.515 1 0.94 98 92.456 3 2.83 101 95.287 4 3.77 105 99.06

96 1 0.94 106 100.00




S 3497 . . .1 12 18.75 12 18.752 18 28.13 30 46.883 24 37.50 54 84.384 1 1.56 55 85.945 3 4.69 58 90.636 1 1.56 59 92.197 3 4.69 62 96.88

11 2 3.13 64 100.00




S 3524 . . .1 6 16.22 6 16.222 9 24.32 15 40.543 15 40.54 30 81.08

4 4 10.81 34 91.896 1 2.70 35 94.597 2 5.41 37 100.00



Cumulative Cumulativeimeth10 Frequency Percent Frequency Percent------------------------------------------------------------

S 3543 . . .1 7 38.89 7 38.892 4 22.22 11 61.113 2 11.11 13 72.224 2 11.11 15 83.336 1 5.56 16 88.897 1 5.56 17 94.44

11 1 5.56 18 100.00




S 3552 . . .1 3 33.33 3 33.332 3 33.33 6 66.673 3 33.33 9 100.00




S 3554 . . .1 2 28.57 2 28.573 4 57.14 6 85.714 1 14.29 7 100.00




S 3555 . . .1 2 33.33 2 33.332 1 16.67 3 50.003 1 16.67 4 66.677 2 33.33 6 100.00




S 3558 . . .2 1 33.33 1 33.333 1 33.33 2 66.675 1 33.33 3 100.00




S 3558 . . .2 1 33.33 1 33.333 2 66.67 3 100.00




S 3559 . . .3 2 100.00 2 100.00




S 3559 . . .1 2 100.00 2 100.00




S 3559 . . .1 1 50.00 1 50.007 1 50.00 2 100.00



Cumulative Cumulativeimeth19 Frequency Percent Frequency Percent

------------------------------------------------------------S 3559 . . .1 1 50.00 1 50.007 1 50.00 2 100.00




S 3560 . . .1 1 100.00 1 100.00


Use trade credit

Cumulative CumulativeL1 Frequency Percent Frequency Percent-------------------------------------------------------1 2338 65.66 2338 65.662 1223 34.34 3561 100.00

Paid bill after due date

Cumulative CumulativeL6 Frequency Percent Frequency Percent-------------------------------------------------------S 1223 . . .1 1071 45.81 1071 45.812 1267 54.19 2338 100.00


Cash discount from most important supplr

Cumulative CumulativeL8 Frequency Percent Frequency Percent-------------------------------------------------------S 2088 . . .1 728 49.42 728 49.422 745 50.58 1473 100.00


Length of discnt period most imp supplr

Cumulative CumulativeL9 Frequency Percent Frequency Percent

--------------------------------------------------------S 2833 . . .0 8 1.10 8 1.101 7 0.96 15 2.062 1 0.14 16 2.203 3 0.41 19 2.614 1 0.14 20 2.75

5 9 1.24 29 3.986 1 0.14 30 4.127 13 1.79 43 5.91

10 484 66.48 527 72.3911 1 0.14 528 72.5312 1 0.14 529 72.6614 7 0.96 536 73.6315 93 12.77 629 86.4018 1 0.14 630 86.5420 21 2.88 651 89.4221 1 0.14 652 89.5625 5 0.69 657 90.2530 53 7.28 710 97.5340 4 0.55 714 98.0845 1 0.14 715 98.2160 4 0.55 719 98.7690 5 0.69 724 99.45

120 1 0.14 725 99.59180 2 0.27 727 99.86240 1 0.14 728 100.00


Amount of discount (%) most import suppl


---------------------------------------------------------S 2833 . . .0 5 0.69 5 0.69

0.1 2 0.27 7 0.960.2 25 3.43 32 4.40

0.25 1 0.14 33 4.530.3 2 0.27 35 4.810.4 3 0.41 38 5.220.5 28 3.85 66 9.070.6 3 0.41 69 9.480.7 1 0.14 70 9.620.8 1 0.14 71 9.75

1 132 18.13 203 27.881.1 1 0.14 204 28.021.2 1 0.14 205 28.161.3 2 0.27 207 28.431.5 24 3.30 231 31.731.6 2 0.27 233 32.011.7 2 0.27 235 32.281.9 3 0.41 238 32.69

2 328 45.05 566 77.752.1 2 0.27 568 78.022.2 1 0.14 569 78.162.3 2 0.27 571 78.432.4 3 0.41 574 78.852.5 8 1.10 582 79.952.6 2 0.27 584 80.222.8 1 0.14 585 80.36

3 30 4.12 615 84.483.1 2 0.27 617 84.753.2 1 0.14 618 84.893.3 2 0.27 620 85.163.4 2 0.27 622 85.443.6 1 0.14 623 85.583.8 1 0.14 624 85.71

4 7 0.96 631 86.684.5 1 0.14 632 86.814.6 1 0.14 633 86.954.8 1 0.14 634 87.09

5 61 8.38 695 95.475.5 1 0.14 696 95.60

6 1 0.14 697 95.747 1 0.14 698 95.88

7.5 1 0.14 699 96.028 2 0.27 701 96.29

10 21 2.88 722 99.1814 1 0.14 723 99.3115 3 0.41 726 99.7320 1 0.14 727 99.8640 1 0.14 728 100.00


# days in bill period most import supplr

Cumulative CumulativeL11 Frequency Percent Frequency Percent--------------------------------------------------------

S 1223 . . .1 29 1.24 29 1.242 64 2.74 93 3.983 167 7.14 260 11.124 45 1.92 305 13.055 111 4.75 416 17.796 73 3.12 489 20.927 1651 70.62 2140 91.538 62 2.65 2202 94.189 84 3.59 2286 97.78

10 39 1.67 2325 99.4411 13 0.56 2338 100.00


Penalty for late pymnt most imprt supplr


---------------------------------------------------------S 1223 . . .0 1017 43.50 1017 43.50

0.1 4 0.17 1021 43.670.2 7 0.30 1028 43.970.3 4 0.17 1032 44.140.4 2 0.09 1034 44.230.5 16 0.68 1050 44.910.6 2 0.09 1052 45.000.7 3 0.13 1055 45.120.8 5 0.21 1060 45.340.9 2 0.09 1062 45.42

1 257 10.99 1319 56.421.1 5 0.21 1324 56.631.2 27 1.15 1351 57.78

1.25 1 0.04 1352 57.831.3 5 0.21 1357 58.041.4 6 0.26 1363 58.301.5 605 25.88 1968 84.17

1.6 5 0.21 1973 84.391.7 9 0.38 1982 84.771.8 26 1.11 2008 85.891.9 5 0.21 2013 86.10

2 138 5.90 2151 92.002.1 1 0.04 2152 92.042.2 3 0.13 2155 92.172.3 3 0.13 2158 92.302.4 2 0.09 2160 92.392.5 8 0.34 2168 92.732.6 2 0.09 2170 92.812.7 4 0.17 2174 92.992.8 8 0.34 2182 93.332.9 3 0.13 2185 93.46

3 15 0.64 2200 94.103.1 7 0.30 2207 94.403.2 4 0.17 2211 94.573.3 3 0.13 2214 94.703.4 3 0.13 2217 94.823.5 5 0.21 2222 95.043.6 4 0.17 2226 95.213.7 2 0.09 2228 95.303.8 3 0.13 2231 95.423.9 3 0.13 2234 95.55

4 2 0.09 2236 95.644.1 5 0.21 2241 95.854.2 2 0.09 2243 95.944.3 2 0.09 2245 96.024.4 2 0.09 2247 96.114.5 1 0.04 2248 96.154.6 1 0.04 2249 96.194.7 2 0.09 2251 96.284.8 6 0.26 2257 96.544.9 1 0.04 2258 96.58

5 38 1.63 2296 98.205.8 1 0.04 2297 98.25

6 1 0.04 2298 98.298 1 0.04 2299 98.339 1 0.04 2300 98.37

10 14 0.60 2314 98.9715 4 0.17 2318 99.1417 1 0.04 2319 99.1918 13 0.56 2332 99.74

18.5 1 0.04 2333 99.7920 1 0.04 2334 99.8321 1 0.04 2335 99.8724 2 0.09 2337 99.9630 1 0.04 2338 100.00


Suppliers ever denied trade credit

Cumulative CumulativeL13 Frequency Percent Frequency Percent--------------------------------------------------------

1 208 5.84 208 5.842 3353 94.16 3561 100.00

Den Trade Credit reason1

Cumulative Cumulativel14r1 Frequency Percent Frequency Percent----------------------------------------------------------

S 3353 . . .1 1 0.48 1 0.48

11 2 0.96 3 1.4412 3 1.44 6 2.8822 1 0.48 7 3.3730 38 18.27 45 21.6331 3 1.44 48 23.0832 9 4.33 57 27.4033 5 2.40 62 29.8134 1 0.48 63 30.2935 2 0.96 65 31.2536 21 10.10 86 41.3542 3 1.44 89 42.7945 3 1.44 92 44.2346 4 1.92 96 46.1552 2 0.96 98 47.1253 5 2.40 103 49.5262 3 1.44 106 50.9667 2 0.96 108 51.9268 2 0.96 110 52.8869 1 0.48 111 53.3772 40 19.23 151 72.6074 7 3.37 158 75.9675 6 2.88 164 78.8576 2 0.96 166 79.8177 6 2.88 172 82.6978 5 2.40 177 85.1097 30 14.42 207 99.5298 1 0.48 208 100.00




S 3554 . . .30 1 14.29 1 14.2933 1 14.29 2 28.5734 1 14.29 3 42.8636 1 14.29 4 57.1472 1 14.29 5 71.4374 1 14.29 6 85.7178 1 14.29 7 100.00




S 3560 . . .74 1 100.00 1 100.00


Equity capital from existing owners

Cumulative CumulativeM1 Frequency Percent Frequency Percent-------------------------------------------------------1 230 6.46 230 6.462 3331 93.54 3561 100.00

Primary use for equity from existng ownr

Cumulative CumulativeM3 Frequency Percent Frequency Percent-------------------------------------------------------S 3331 . . .1 176 76.52 176 76.523 27 11.74 203 88.264 2 0.87 205 89.135 5 2.17 210 91.307 3 1.30 213 92.618 3 1.30 216 93.91

10 1 0.43 217 94.3511 6 2.61 223 96.9612 5 2.17 228 99.1313 2 0.87 230 100.00


Equity capital from other sources

Cumulative CumulativeM4 Frequency Percent Frequency Percent-------------------------------------------------------S 1655 . . .1 14 0.73 14 0.732 1892 99.27 1906 100.00


Primary use for equity from othr sources

Cumulative CumulativeM6 Frequency Percent Frequency Percent-------------------------------------------------------S 3547 . . .1 8 57.14 8 57.143 2 14.29 10 71.435 1 7.14 11 78.578 1 7.14 12 85.71

11 2 14.29 14 100.00


Equity from informal investors

Cumulative CumulativeM7_1 Frequency Percent Frequency Percent---------------------------------------------------------

S 3547 . . .1 5 35.71 5 35.71

2 9 64.29 14 100.00


Equity from venture capital firm


S 3547 . . .1 4 28.57 4 28.572 10 71.43 14 100.00


Equity from public offering


S 3547 . . .2 14 100.00 14 100.00


Equity from other source


S 3547 . . .1 7 50.00 7 50.002 7 50.00 14 100.00


Tax records cover entire year

Cumulative CumulativeP1 Frequency Percent Frequency Percent-------------------------------------------------------1 3460 97.16 3460 97.162 101 2.84 3561 100.00

Accounting period begin month

Cumulative CumulativeP1MO Frequency Percent Frequency Percent---------------------------------------------------------

D 3 . . .R 2 . . .S 3460 . . .1 8 8.33 8 8.332 5 5.21 13 13.543 9 9.38 22 22.924 11 11.46 33 34.385 8 8.33 41 42.716 13 13.54 54 56.25

7 9 9.38 63 65.638 8 8.33 71 73.969 8 8.33 79 82.29

10 10 10.42 89 92.7111 3 3.13 92 95.8312 4 4.17 96 100.00


Accounting period begin year

Cumulative CumulativeP1YR Frequency Percent Frequency Percent---------------------------------------------------------

D 3 . . .N 3 . . .R 2 . . .S 3460 . . .

1997 1 1.08 1 1.081998 92 98.92 93 100.00


Type other asset 1

Cumulative Cumulativer10_r1 Frequency Percent Frequency Percent-----------------------------------------------------------

S 3093 . . .20 1 0.21 1 0.2139 1 0.21 2 0.4340 33 7.05 35 7.4841 146 31.20 181 38.6845 177 37.82 358 76.5097 104 22.22 462 98.7298 6 1.28 468 100.00


Type other asset 2


S 3475 . . .39 3 3.49 3 3.4940 7 8.14 10 11.6341 7 8.14 17 19.7745 30 34.88 47 54.6597 39 45.35 86 100.00


Type other asset 3


S 3547 . . .

40 2 14.29 2 14.2945 2 14.29 4 28.5797 10 71.43 14 100.00


Type other liab 1

Cumulative Cumulatives6_r1 Frequency Percent Frequency Percent----------------------------------------------------------

S 3469 . . .36 1 1.09 1 1.0942 1 1.09 2 2.1765 1 1.09 3 3.2671 2 2.17 5 5.4372 5 5.43 10 10.8773 2 2.17 12 13.0478 6 6.52 18 19.5797 73 79.35 91 98.9198 1 1.09 92 100.00


Type other liab 2


S 3549 . . .72 1 8.33 1 8.3378 1 8.33 2 16.6797 10 83.33 12 100.00


Type other liab 3


S 3561 . . .


Bankruptcy past seven years

Cumulative CumulativeU1 Frequency Percent Frequency Percent-------------------------------------------------------1 88 2.47 88 2.472 3473 97.53 3561 100.00

Bankruptcy by firm, owner or both

Cumulative CumulativeU1_1 Frequency Percent Frequency Percent---------------------------------------------------------

S 3473 . . .1 9 10.23 9 10.232 68 77.27 77 87.503 11 12.50 88 100.00


Delinquent on personal obligations

Cumulative CumulativeU2 Frequency Percent Frequency Percent-------------------------------------------------------1 3144 88.29 3144 88.292 92 2.58 3236 90.873 88 2.47 3324 93.344 237 6.66 3561 100.00

Delinquent on business obligations

Cumulative CumulativeU3 Frequency Percent Frequency Percent-------------------------------------------------------1 3047 85.57 3047 85.572 110 3.09 3157 88.653 89 2.50 3246 91.154 315 8.85 3561 100.00

Judgements against owner

Cumulative CumulativeU4 Frequency Percent Frequency Percent-------------------------------------------------------1 140 3.93 140 3.932 3421 96.07 3561 100.00

Home owned by owner

Cumulative Cumulativeu_home Frequency Percent Frequency Percent-----------------------------------------------------------

1 3157 88.65 3157 88.652 404 11.35 3561 100.00

Part B: Descriptive Statistics for All Continuous Variables

Proc Means: FIN_WGTNumber of obs: 3561 Quantile 1%: 47.362552956Number missing:0 Quantile 5%: 139.87043437Mean: 1485.8875427 Quantile 25%: 726.23679865Std Deviation: 955.46013002 Median: 1417.9051175Variance: 912904.06005 Quantile 75%: 2185.49419Minimum: 20.336374413 Quantile 95%: 3049.2298127Maximum: 5932.3034448 Quantile 99%: 3853.080374

Proc Means: CALLNUMNumber of obs: 3561 Quantile 1%: 1Number missing:0 Quantile 5%: 2Mean: 13.332210053 Quantile 25%: 5Std Deviation: 11.633615516 Median: 10Variance: 135.34100997 Quantile 75%: 18Minimum: 1 Quantile 95%: 37Maximum: 130 Quantile 99%: 55

Proc Means: A10_1Number of obs: 3561 Quantile 1%: 0Number missing:0 Quantile 5%: 1Mean: 2.0452120191 Quantile 25%: 1Std Deviation: 7.8585407783 Median: 1Variance: 61.756663164 Quantile 75%: 2Minimum: 0 Quantile 95%: 4Maximum: 300 Quantile 99%: 16

Proc Means: A10_2Number of obs: 3561 Quantile 1%: 0Number missing:0 Quantile 5%: 0Mean: 23.48160629 Quantile 25%: 1Std Deviation: 53.317806555 Median: 3Variance: 2842.7884958 Quantile 75%: 18Minimum: 0 Quantile 95%: 120Maximum: 480 Quantile 99%: 300

Proc Means: TOTEMPNumber of obs: 3561 Quantile 1%: 1Number missing:0 Quantile 5%: 1Mean: 25.526818309 Quantile 25%: 2Std Deviation: 54.600139134 Median: 5Variance: 2981.1751935 Quantile 75%: 21Minimum: 1 Quantile 95%: 126Maximum: 482 Quantile 99%: 302

Proc Means: C_EXPNumber of obs: 3561 Quantile 1%: 2Number missing:0 Quantile 5%: 3Mean: 19.212861556 Quantile 25%: 10Std Deviation: 11.79085833 Median: 18Variance: 139.02434015 Quantile 75%: 25Minimum: 0 Quantile 95%: 40Maximum: 72 Quantile 99%: 53

Proc Means: C_OAGENumber of obs: 3561 Quantile 1%: 28Number missing:0 Quantile 5%: 34Mean: 50.715248526 Quantile 25%: 43Std Deviation: 11.267997614 Median: 50Variance: 126.96777023 Quantile 75%: 58Minimum: 19 Quantile 95%: 71

Maximum: 95 Quantile 99%: 79

Proc Means: C_OWNSHNumber of obs: 3561 Quantile 1%: 7Number missing:0 Quantile 5%: 30Mean: 80.365627633 Quantile 25%: 50Std Deviation: 27.261828444 Median: 100Variance: 743.20729012 Quantile 75%: 100Minimum: 1 Quantile 95%: 100Maximum: 100 Quantile 99%: 100

Proc Means: C_NOWNumber of obs: 3561 Quantile 1%: 1Number missing:0 Quantile 5%: 1Mean: 6.1589441168 Quantile 25%: 1Std Deviation: 69.775454535 Median: 1Variance: 4868.6140555 Quantile 75%: 2Minimum: 1 Quantile 95%: 6Maximum: 2500 Quantile 99%: 50

Proc Means: C_FAGENumber of obs: 3561 Quantile 1%: 1Number missing:0 Quantile 5%: 2Mean: 14.441168211 Quantile 25%: 5Std Deviation: 12.109216528 Median: 11Variance: 146.63312493 Quantile 75%: 20Minimum: 0 Quantile 95%: 37Maximum: 104 Quantile 99%: 55

Proc Means: D1Number of obs: 3561 Quantile 1%: 1Number missing:0 Quantile 5%: 1Mean: 2.1934849761 Quantile 25%: 1Std Deviation: 33.370896999 Median: 1Variance: 1113.6167665 Quantile 75%: 1Minimum: 1 Quantile 95%: 4Maximum: 1987 Quantile 99%: 12

Proc Means: D2Number of obs: 3561 Quantile 1%: 1Number missing:0 Quantile 5%: 1Mean: 1.2342038753 Quantile 25%: 1Std Deviation: 1.2660956937 Median: 1Variance: 1.6029983056 Quantile 75%: 1Minimum: 1 Quantile 95%: 2Maximum: 43 Quantile 99%: 5

Proc Means: E3_1Number of obs: 3385 Quantile 1%: -27000Number missing:176 Quantile 5%: 0Mean: 66819.993501 Quantile 25%: 1564Std Deviation: 544845.70641 Median: 6300Variance: 296856843789 Quantile 75%: 28876Minimum: -22530629 Quantile 95%: 275588Maximum: 9153310 Quantile 99%: 1173000

Proc Means: E3_2Number of obs: 515 Quantile 1%: 0Number missing:3046 Quantile 5%: 0Mean: 55580.607767 Quantile 25%: 900Std Deviation: 277040.15476 Median: 4788Variance: 76751247352 Quantile 75%: 20000Minimum: -21568 Quantile 95%: 200000


Proc Means: E3_3Number of obs: 82 Quantile 1%: 0Number missing:3479 Quantile 5%: 500Mean: 80465.47561 Quantile 25%: 3000Std Deviation: 258781.7679 Median: 11724.5Variance: 66968003400 Quantile 75%: 48318Minimum: 0 Quantile 95%: 284957Maximum: 2000000 Quantile 99%: 2000000

Proc Means: E6_1Number of obs: 891 Quantile 1%: 1Number missing:2670 Quantile 5%: 100Mean: 130042.02245 Quantile 25%: 2000Std Deviation: 532994.65542 Median: 11042Variance: 284083302706 Quantile 75%: 55000Minimum: 0 Quantile 95%: 557804Maximum: 8513800 Quantile 99%: 2447266

Proc Means: E6_2Number of obs: 92 Quantile 1%: 1Number missing:3469 Quantile 5%: 75Mean: 504401.19565 Quantile 25%: 2054.5Std Deviation: 3982768.6289 Median: 14500Variance: 1.5862446E13 Quantile 75%: 54153.5Minimum: 1 Quantile 95%: 630917Maximum: 38220488 Quantile 99%: 38220488

Proc Means: E6_3Number of obs: 31 Quantile 1%: 114Number missing:3530 Quantile 5%: 200Mean: 97359.354839 Quantile 25%: 1100Std Deviation: 195670.15603 Median: 15000Variance: 38286809959 Quantile 75%: 100000Minimum: 114 Quantile 95%: 500000Maximum: 904233 Quantile 99%: 904233

Proc Means: F2Number of obs: 1542 Quantile 1%: 10Number missing:2019 Quantile 5%: 50Mean: 1981.0123217 Quantile 25%: 200Std Deviation: 6223.8502428 Median: 500Variance: 38736311.845 Quantile 75%: 1500Minimum: 0 Quantile 95%: 7500Maximum: 120000 Quantile 99%: 20000

Proc Means: F3_1Number of obs: 395 Quantile 1%: 0Number missing:3166 Quantile 5%: 36Mean: 5477.7063291 Quantile 25%: 300Std Deviation: 11202.272237 Median: 1089Variance: 125490903.27 Quantile 75%: 5000Minimum: 0 Quantile 95%: 28925Maximum: 80000 Quantile 99%: 60000

Proc Means: F5Number of obs: 1422 Quantile 1%: 20Number missing:2139 Quantile 5%: 100Mean: 4137.2510549 Quantile 25%: 350Std Deviation: 16700.896628 Median: 1000Variance: 278919948.18 Quantile 75%: 3000Minimum: 0 Quantile 95%: 15000




Proc Means: F10_1Number of obs: 1284 Quantile 1%: 1000Number missing:2277 Quantile 5%: 6000Mean: 1037128.6254 Quantile 25%: 25000Std Deviation: 3872116.2772 Median: 100000Variance: 1.4993284E13 Quantile 75%: 500000Minimum: 50 Quantile 95%: 4500000Maximum: 70000000 Quantile 99%: 15000000




Proc Means: F11_2Number of obs: 156 Quantile 1%: 0Number missing:3405 Quantile 5%: 0Mean: 284664.23077 Quantile 25%: 0Std Deviation: 1091231.3773 Median: 8132.5Variance: 1.1907859E12 Quantile 75%: 61904Minimum: 0 Quantile 95%: 1521006




Proc Means: F11_3Number of obs: 36 Quantile 1%: 0Number missing:3525 Quantile 5%: 0Mean: 726185.11111 Quantile 25%: 0Std Deviation: 2288714.9584 Median: 11550Variance: 5.2382162E12 Quantile 75%: 326225.5Minimum: 0 Quantile 95%: 4698977Maximum: 12895016 Quantile 99%: 12895016




Proc Means: F19_2Number of obs: 137 Quantile 1%: 320Number missing:3424 Quantile 5%: 900Mean: 136902.37226 Quantile 25%: 5600Std Deviation: 509671.65074 Median: 15000Variance: 259765191571 Quantile 75%: 48000Minimum: 200 Quantile 95%: 600000



Proc Means: F19_3Number of obs: 50 Quantile 1%: 871Number missing:3511 Quantile 5%: 1500Mean: 188007.2 Quantile 25%: 7000Std Deviation: 536991.19891 Median: 18826Variance: 288359547709 Quantile 75%: 54618Minimum: 871 Quantile 95%: 1648745Maximum: 2700230 Quantile 99%: 2700230




Proc Means: F23_2Number of obs: 76 Quantile 1%: 9000Number missing:3485 Quantile 5%: 15000Mean: 743674.98684 Quantile 25%: 45650Std Deviation: 2090258.675 Median: 93489.5Variance: 4.3691813E12 Quantile 75%: 402250Minimum: 9000 Quantile 95%: 5032334Maximum: 12000000 Quantile 99%: 12000000

Proc Means: F22_3Number of obs: 21 Quantile 1%: 1Number missing:3540 Quantile 5%: 1Mean: 2.9047619048 Quantile 25%: 1Std Deviation: 5.3188792232 Median: 1Variance: 28.29047619 Quantile 75%: 2Minimum: 1 Quantile 95%: 15


Proc Means: F23_3Number of obs: 21 Quantile 1%: 4084Number missing:3540 Quantile 5%: 28000Mean: 2107539 Quantile 25%: 60000Std Deviation: 5480520.9079 Median: 220000Variance: 3.0036109E13 Quantile 75%: 1170825Minimum: 4084 Quantile 95%: 10000000Maximum: 24000000 Quantile 99%: 24000000




Proc Means: F30_2Number of obs: 144 Quantile 1%: 1569Number missing:3417 Quantile 5%: 3000Mean: 39969.125 Quantile 25%: 9735Std Deviation: 91595.094796 Median: 20491.5Variance: 8389661390.7 Quantile 75%: 35500Minimum: 1000 Quantile 95%: 144265Maximum: 1000000 Quantile 99%: 276389





Proc Means: F36_1Number of obs: 480 Quantile 1%: 200Number missing:3081 Quantile 5%: 1207Mean: 376601.27708 Quantile 25%: 8000Std Deviation: 2637805.7564 Median: 28550Variance: 6.9580192E12 Quantile 75%: 150000Minimum: 70 Quantile 95%: 1309695.5Maximum: 55171232 Quantile 99%: 4275440





Proc Means: F40Number of obs: 650 Quantile 1%: 1Number missing:2911 Quantile 5%: 1Mean: 2.0646153846 Quantile 25%: 1Std Deviation: 2.825507346 Median: 1Variance: 7.9834917625 Quantile 75%: 2Minimum: 1 Quantile 95%: 6


Proc Means: F41Number of obs: 650 Quantile 1%: 1218Number missing:2911 Quantile 5%: 2500Mean: 232588.24769 Quantile 25%: 14815Std Deviation: 769413.54664 Median: 50000Variance: 591997205748 Quantile 75%: 163000Minimum: 500 Quantile 95%: 944677Maximum: 12831000 Quantile 99%: 3200000





Proc Means: F44_3Number of obs: 22 Quantile 1%: 1Number missing:3539 Quantile 5%: 1Mean: 2.3636363636 Quantile 25%: 1Std Deviation: 2.6103357665 Median: 1.5Variance: 6.8138528139 Quantile 75%: 3Minimum: 1 Quantile 95%: 4Maximum: 13 Quantile 99%: 13



Proc Means: MRLR1Number of obs: 3561 Quantile 1%: 0Number missing:0 Quantile 5%: 0Mean: 0.8098848638 Quantile 25%: 0Std Deviation: 2.8050061614 Median: 0Variance: 7.8680595654 Quantile 75%: 1Minimum: 0 Quantile 95%: 4Maximum: 75 Quantile 99%: 10


Proc Means: MRL10Number of obs: 796 Quantile 1%: 1500Number missing:2765 Quantile 5%: 5000Mean: 468084.1294 Quantile 25%: 20000Std Deviation: 1525718.27 Median: 50000Variance: 2.3278162E12 Quantile 75%: 237500Minimum: 100 Quantile 95%: 2500000Maximum: 24000000 Quantile 99%: 7000000

Proc Means: MRLR14Number of obs: 796 Quantile 1%: -1Number missing:2765 Quantile 5%: -1Mean: 55.032663317 Quantile 25%: 12Std Deviation: 66.537936885 Median: 36Variance: 4427.297045 Quantile 75%: 60Minimum: -1 Quantile 95%: 180Maximum: 432 Quantile 99%: 360

Proc Means: MRL16Number of obs: 796 Quantile 1%: 1000Number missing:2765 Quantile 5%: 5000Mean: 473966.57915 Quantile 25%: 19500Std Deviation: 1602505.8705 Median: 50000Variance: 2.5680251E12 Quantile 75%: 215000Minimum: 100 Quantile 95%: 2500000Maximum: 24000000 Quantile 99%: 7570000

Proc Means: MRL19Number of obs: 264 Quantile 1%: -0.75Number missing:3297 Quantile 5%: 0Mean: 2.2826136364 Quantile 25%: 1Std Deviation: 2.4324677236 Median: 1.5Variance: 5.9168992266 Quantile 75%: 2.5Minimum: -1.25 Quantile 95%: 8.75Maximum: 11.75 Quantile 99%: 10

Proc Means: MRL20Number of obs: 796 Quantile 1%: 2.9Number missing:2765 Quantile 5%: 5.8Mean: 9.0440075377 Quantile 25%: 8Std Deviation: 2.370608158 Median: 9Variance: 5.6197830389 Quantile 75%: 10Minimum: 0.9 Quantile 95%: 13


Proc Means: MRL21Number of obs: 796 Quantile 1%: 0Number missing:2765 Quantile 5%: 0Mean: 0.1987562814 Quantile 25%: 0Std Deviation: 0.6534505113 Median: 0Variance: 0.4269975707 Quantile 75%: 0Minimum: 0 Quantile 95%: 1Maximum: 7.5 Quantile 99%: 3

Proc Means: MRL22Number of obs: 796 Quantile 1%: 0Number missing:2765 Quantile 5%: 0Mean: 8850.6018844 Quantile 25%: 0Std Deviation: 136314.97744 Median: 60.5Variance: 18581773074 Quantile 75%: 764.65Minimum: 0 Quantile 95%: 20000Maximum: 3800000 Quantile 99%: 80000


Proc Means: MRL28Number of obs: 249 Quantile 1%: 1000Number missing:3312 Quantile 5%: 3000Mean: 222857.36546 Quantile 25%: 15000Std Deviation: 634766.1548 Median: 35000Variance: 402928071274 Quantile 75%: 100000Minimum: 100 Quantile 95%: 1000000Maximum: 4800000 Quantile 99%: 3900000

Proc Means: IMONS1Number of obs: 3454 Quantile 1%: 3Number missing:107 Quantile 5%: 12Mean: 98.358135495 Quantile 25%: 36Std Deviation: 102.33865971 Median: 60Variance: 10473.20127 Quantile 75%: 120Minimum: 0 Quantile 95%: 300Maximum: 1008 Quantile 99%: 480


Proc Means: IMONS3Number of obs: 1273 Quantile 1%: 0Number missing:2288 Quantile 5%: 5Mean: 68.348782404 Quantile 25%: 24Std Deviation: 77.432437281 Median: 41Variance: 5995.7823432 Quantile 75%: 84Minimum: 0 Quantile 95%: 240






Proc Means: IMONS8Number of obs: 64 Quantile 1%: 0Number missing:3497 Quantile 5%: 1Mean: 46.921875 Quantile 25%: 14.5Std Deviation: 49.914309011 Median: 27.5Variance: 2491.438244 Quantile 75%: 59Minimum: 0 Quantile 95%: 146Maximum: 223 Quantile 99%: 223


Proc Means: IMONS10Number of obs: 18 Quantile 1%: 3Number missing:3543 Quantile 5%: 3Mean: 54.111111111 Quantile 25%: 16Std Deviation: 47.761526344 Median: 44.5Variance: 2281.1633987 Quantile 75%: 88Minimum: 3 Quantile 95%: 154





Proc Means: IMONS14Number of obs: 3 Quantile 1%: 14Number missing:3558 Quantile 5%: 14Mean: 113 Quantile 25%: 14Std Deviation: 154.47653543 Median: 34Variance: 23863 Quantile 75%: 291Minimum: 14 Quantile 95%: 291Maximum: 291 Quantile 99%: 291


Proc Means: IMONS16Number of obs: 2 Quantile 1%: 41Number missing:3559 Quantile 5%: 41Mean: 98.5 Quantile 25%: 41Std Deviation: 81.317279836 Median: 98.5Variance: 6612.5 Quantile 75%: 156Minimum: 41 Quantile 95%: 156Maximum: 156 Quantile 99%: 156

Proc Means: IMONS17Number of obs: 2 Quantile 1%: 18Number missing:3559 Quantile 5%: 18Mean: 24 Quantile 25%: 18Std Deviation: 8.4852813742 Median: 24Variance: 72 Quantile 75%: 30Minimum: 18 Quantile 95%: 30




Proc Means: IMONS20Number of obs: 1 Quantile 1%: 34Number missing:3560 Quantile 5%: 34Mean: 34 Quantile 25%: 34Std Deviation: . Median: 34Variance: . Quantile 75%: 34Minimum: 34 Quantile 95%: 34Maximum: 34 Quantile 99%: 34

Proc Means: IDIST1Number of obs: 3454 Quantile 1%: 0Number missing:107 Quantile 5%: 0Mean: 14.487550666 Quantile 25%: 1Std Deviation: 133.99153096 Median: 2Variance: 17953.730369 Quantile 75%: 5Minimum: 0 Quantile 95%: 23Maximum: 4898 Quantile 99%: 146



Proc Means: IDIST4Number of obs: 678 Quantile 1%: 0Number missing:2883 Quantile 5%: 1Mean: 391.29351032 Quantile 25%: 7Std Deviation: 683.8008713 Median: 52Variance: 467583.6316 Quantile 75%: 529Minimum: 0 Quantile 95%: 1902




Proc Means: IDIST7Number of obs: 106 Quantile 1%: 0Number missing:3455 Quantile 5%: 0Mean: 370.00943396 Quantile 25%: 14Std Deviation: 577.89146279 Median: 63.5Variance: 333958.54277 Quantile 75%: 536Minimum: 0 Quantile 95%: 1629Maximum: 2607 Quantile 99%: 2534

Proc Means: IDIST8Number of obs: 64 Quantile 1%: 0Number missing:3497 Quantile 5%: 1Mean: 369.921875 Quantile 25%: 5.5Std Deviation: 600.95913562 Median: 59.5Variance: 361151.88269 Quantile 75%: 419.5Minimum: 0 Quantile 95%: 1605Maximum: 2485 Quantile 99%: 2485



Proc Means: IDIST11Number of obs: 9 Quantile 1%: 0Number missing:3552 Quantile 5%: 0Mean: 315.22222222 Quantile 25%: 7Std Deviation: 537.31480014 Median: 55Variance: 288707.19444 Quantile 75%: 253Minimum: 0 Quantile 95%: 1575





Proc Means: IDIST15Number of obs: 3 Quantile 1%: 17Number missing:3558 Quantile 5%: 17Mean: 388 Quantile 25%: 17Std Deviation: 622.77845178 Median: 40Variance: 387853 Quantile 75%: 1107Minimum: 17 Quantile 95%: 1107Maximum: 1107 Quantile 99%: 1107

Proc Means: IDIST16Number of obs: 2 Quantile 1%: 60Number missing:3559 Quantile 5%: 60Mean: 190 Quantile 25%: 60Std Deviation: 183.84776311 Median: 190Variance: 33800 Quantile 75%: 320Minimum: 60 Quantile 95%: 320Maximum: 320 Quantile 99%: 320


Proc Means: IDIST18Number of obs: 2 Quantile 1%: 0Number missing:3559 Quantile 5%: 0Mean: 1 Quantile 25%: 0Std Deviation: 1.4142135624 Median: 1Variance: 2 Quantile 75%: 2Minimum: 0 Quantile 95%: 2



Proc Means: IDIST20Number of obs: 1 Quantile 1%: 5Number missing:3560 Quantile 5%: 5Mean: 5 Quantile 25%: 5Std Deviation: . Median: 5Variance: . Quantile 75%: 5Minimum: 5 Quantile 95%: 5Maximum: 5 Quantile 99%: 5

Proc Means: L2Number of obs: 2338 Quantile 1%: 2Number missing:1223 Quantile 5%: 10Mean: 72.007698888 Quantile 25%: 50Std Deviation: 31.569796623 Median: 90Variance: 996.6520588 Quantile 75%: 98Minimum: 1 Quantile 95%: 100Maximum: 100 Quantile 99%: 100




Proc Means: L7Number of obs: 1071 Quantile 1%: 1Number missing:2490 Quantile 5%: 1Mean: 30.527544351 Quantile 25%: 5Std Deviation: 31.07971267 Median: 20Variance: 965.94853967 Quantile 75%: 50Minimum: 1 Quantile 95%: 100


Proc Means: M2Number of obs: 230 Quantile 1%: 500Number missing:3331 Quantile 5%: 1000Mean: 144370.01304 Quantile 25%: 5000Std Deviation: 576937.41856 Median: 19000Variance: 332856784932 Quantile 75%: 70000Minimum: 100 Quantile 95%: 500000Maximum: 6000000 Quantile 99%: 4000000

Proc Means: M5Number of obs: 14 Quantile 1%: 3000Number missing:3547 Quantile 5%: 3000Mean: 329548 Quantile 25%: 8000Std Deviation: 629522.31459 Median: 27500Variance: 396298344564 Quantile 75%: 300000Minimum: 3000 Quantile 95%: 2300000Maximum: 2300000 Quantile 99%: 2300000

Proc Means: P1DAYNumber of obs: 94 Quantile 1%: 1Number missing:3467 Quantile 5%: 1Mean: 7.1170212766 Quantile 25%: 1Std Deviation: 8.9296610768 Median: 1Variance: 79.738846946 Quantile 75%: 14Minimum: 1 Quantile 95%: 28Maximum: 31 Quantile 99%: 31

Proc Means: P2Number of obs: 3561 Quantile 1%: 0Number missing:0 Quantile 5%: 5781Mean: 3434747.8711 Quantile 25%: 61580Std Deviation: 14980237.368 Median: 250000Variance: 2.2440751E14 Quantile 75%: 1500000Minimum: 0 Quantile 95%: 17990495Maximum: 624000000 Quantile 99%: 51025729

Proc Means: P2MONNumber of obs: 3561 Quantile 1%: 5.5384615385Number missing:0 Quantile 5%: 12Mean: 11.855863737 Quantile 25%: 12Std Deviation: 0.9841258086 Median: 12Variance: 0.9685036072 Quantile 75%: 12Minimum: 0.9230769231 Quantile 95%: 12Maximum: 14.5 Quantile 99%: 12


Proc Means: P4Number of obs: 3561 Quantile 1%: 0Number missing:0 Quantile 5%: 0Mean: 53675.03763 Quantile 25%: 0Std Deviation: 588107.52323 Median: 0Variance: 345870458884 Quantile 75%: 1157Minimum: -375214 Quantile 95%: 136577



Proc Means: PROFITNumber of obs: 3561 Quantile 1%: -1346000Number missing:0 Quantile 5%: -56745Mean: 439527.93906 Quantile 25%: 2269Std Deviation: 3599067.542 Median: 30000Variance: 1.2953287E13 Quantile 75%: 119000Minimum: -37789300 Quantile 95%: 1544000Maximum: 94241422 Quantile 99%: 9063000

Proc Means: P12Number of obs: 887 Quantile 1%: -120348Number missing:2674 Quantile 5%: 0Mean: 68386.586246 Quantile 25%: 0Std Deviation: 488391.95222 Median: 468Variance: 238526698991 Quantile 75%: 17345Minimum: -2800000 Quantile 95%: 327397Maximum: 11165829 Quantile 99%: 1286006

Proc Means: R1Number of obs: 3561 Quantile 1%: -17723Number missing:0 Quantile 5%: 0Mean: 120076.41477 Quantile 25%: 1500Std Deviation: 923492.52124 Median: 7500Variance: 852838436795 Quantile 75%: 41000Minimum: -9100000 Quantile 95%: 486000Maximum: 45177155 Quantile 99%: 2261000

Proc Means: R2Number of obs: 3561 Quantile 1%: 0Number missing:0 Quantile 5%: 0Mean: 327410.76804 Quantile 25%: 0Std Deviation: 1338250.4364 Median: 3000Variance: 1.7909142E12 Quantile 75%: 65000Minimum: -2650139 Quantile 95%: 1680569Maximum: 36955202 Quantile 99%: 6518808

Proc Means: R3Number of obs: 3561 Quantile 1%: 0Number missing:0 Quantile 5%: 0Mean: 332519.99972 Quantile 25%: 0Std Deviation: 2181053.0031 Median: 1500Variance: 4.7569922E12 Quantile 75%: 37685Minimum: 0 Quantile 95%: 1307994Maximum: 86222430 Quantile 99%: 7441469

Proc Means: R4Number of obs: 3561 Quantile 1%: 0Number missing:0 Quantile 5%: 0Mean: 103003.16372 Quantile 25%: 0Std Deviation: 756405.04206 Median: 0Variance: 572148587658 Quantile 75%: 7103Minimum: -772 Quantile 95%: 313481


Proc Means: R5Number of obs: 3561 Quantile 1%: 0Number missing:0 Quantile 5%: 0Mean: 65868.216793 Quantile 25%: 0Std Deviation: 982985.30513 Median: 0Variance: 966260110106 Quantile 75%: 0Minimum: -25000 Quantile 95%: 130284Maximum: 54268242 Quantile 99%: 1250035

Proc Means: R6Number of obs: 3561 Quantile 1%: 0Number missing:0 Quantile 5%: 0Mean: 67941.942713 Quantile 25%: 0Std Deviation: 598048.60441 Median: 0Variance: 357662133235 Quantile 75%: 0Minimum: 0 Quantile 95%: 225638Maximum: 19465249 Quantile 99%: 1000000


Proc Means: R9Number of obs: 3561 Quantile 1%: 0Number missing:0 Quantile 5%: 0Mean: 22774.132266 Quantile 25%: 0Std Deviation: 320764.81849 Median: 0Variance: 102890068778 Quantile 75%: 0Minimum: 0 Quantile 95%: 49000Maximum: 14000000 Quantile 99%: 358702

Proc Means: R11_1Number of obs: 468 Quantile 1%: 70Number missing:3093 Quantile 5%: 400Mean: 165213.07051 Quantile 25%: 3155Std Deviation: 863715.69862 Median: 19547Variance: 746004808037 Quantile 75%: 92429Minimum: 1 Quantile 95%: 497659Maximum: 14000000 Quantile 99%: 1716500

Proc Means: R11_2Number of obs: 86 Quantile 1%: 2Number missing:3475 Quantile 5%: 100Mean: 40942.953488 Quantile 25%: 1388Std Deviation: 129893.11444 Median: 10543.5Variance: 16872221178 Quantile 75%: 24275Minimum: 2 Quantile 95%: 110000Maximum: 1052446 Quantile 99%: 1052446

Proc Means: R11_3Number of obs: 14 Quantile 1%: 257Number missing:3547 Quantile 5%: 257Mean: 12024.785714 Quantile 25%: 1000Std Deviation: 19039.6317 Median: 5311.5Variance: 362507575.26 Quantile 75%: 8761Minimum: 257 Quantile 95%: 62341



Proc Means: S1Number of obs: 3561 Quantile 1%: 0Number missing:0 Quantile 5%: 0Mean: 530563.94215 Quantile 25%: 0Std Deviation: 2721447.6889 Median: 15425Variance: 7.4062775E12 Quantile 75%: 148097Minimum: 0 Quantile 95%: 2400000Maximum: 84290000 Quantile 99%: 9200000

Proc Means: S2Number of obs: 3561 Quantile 1%: 0Number missing:0 Quantile 5%: 0Mean: 202548.00168 Quantile 25%: 0Std Deviation: 859166.90246 Median: 1500Variance: 738167766288 Quantile 75%: 52354Minimum: 0 Quantile 95%: 957129Maximum: 21000000 Quantile 99%: 3789579

Proc Means: S3Number of obs: 3561 Quantile 1%: 0Number missing:0 Quantile 5%: 0Mean: 157348.631 Quantile 25%: 0Std Deviation: 783311.39219 Median: 0Variance: 613576737139 Quantile 75%: 19328Minimum: -18738 Quantile 95%: 689913Maximum: 15400000 Quantile 99%: 3143000

Proc Means: S5Number of obs: 3561 Quantile 1%: 0Number missing:0 Quantile 5%: 0Mean: 16748.239539 Quantile 25%: 0Std Deviation: 446583.9575 Median: 0Variance: 199437231099 Quantile 75%: 0Minimum: 0 Quantile 95%: 0Maximum: 20381000 Quantile 99%: 74439

Proc Means: S7_1Number of obs: 92 Quantile 1%: 1Number missing:3469 Quantile 5%: 7Mean: 460124.07609 Quantile 25%: 5215Std Deviation: 1726117.4285 Median: 40925.5Variance: 2.9794814E12 Quantile 75%: 220649.5Minimum: 1 Quantile 95%: 1693000Maximum: 14261555 Quantile 99%: 14261555

Proc Means: S7_2Number of obs: 12 Quantile 1%: 2Number missing:3549 Quantile 5%: 2Mean: 1442422.1667 Quantile 25%: 2781.5Std Deviation: 4031999.5927 Median: 103705.5Variance: 1.6257021E13 Quantile 75%: 657722.5Minimum: 2 Quantile 95%: 14162000


Proc Means: S7_3Number of obs: 0 Quantile 1%: .Number missing:3561 Quantile 5%: .Mean: . Quantile 25%: .Std Deviation: . Median: .Variance: . Quantile 75%: .Minimum: . Quantile 95%: .Maximum: . Quantile 99%: .

Proc Means: S8Number of obs: 3561 Quantile 1%: 0Number missing:0 Quantile 5%: 0Mean: 907208.81438 Quantile 25%: 1700Std Deviation: 3718330.6036 Median: 45162Variance: 1.3825982E13 Quantile 75%: 330763Minimum: 0 Quantile 95%: 4415000Maximum: 85908000 Quantile 99%: 14803288

Proc Means: EQUITYNumber of obs: 3561 Quantile 1%: -1880000Number missing:0 Quantile 5%: -200000Mean: 551313.82084 Quantile 25%: 600Std Deviation: 3505935.6105 Median: 28500Variance: 1.2291585E13 Quantile 75%: 214000Minimum: -69227000 Quantile 95%: 3091673Maximum: 86976887 Quantile 99%: 11222775

Proc Means: U_HEQNumber of obs: 3157 Quantile 1%: 0Number missing:404 Quantile 5%: 5767Mean: 166510.27463 Quantile 25%: 50000Std Deviation: 338630.37809 Median: 100000Variance: 114670532966 Quantile 75%: 200000Minimum: -22000 Quantile 95%: 500000Maximum: 15000000 Quantile 99%: 1000000

Proc Means: U_NETWNumber of obs: 3561 Quantile 1%: 0Number missing:0 Quantile 5%: 0Mean: 784394.40578 Quantile 25%: 48000Std Deviation: 3424018.5643 Median: 180000Variance: 1.1723903E13 Quantile 75%: 505318Minimum: -6000000 Quantile 95%: 3000000Maximum: 100200000 Quantile 99%: 9053333

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