Navigation:  Loan Screens > Account Information Screen Group > Reserves Screen Group > Reserve Analysis Screen > Reserve Analysis tab > New Reserve field group > Surplus Actual/Reserve Payment

Entry: System, numeric

F/M: No

Mnemonic: N/A

Screen: Loans > Account Information > Reserves > Reserve Analysis > Reserve Analysis tab

 

This is an amount by which the projected reserve account balance exceeds the low balance for the account. Two fields are displayed. The first (in the Actual box) is for the total surplus, and the second (in the Reserve Payment box) is the surplus divided by the payment frequency (generally 12 months). Based on the amount of the actual surplus (total) and Surplus Limit, this amount may or may be displayed in the Surplus Amount (-)  field in the New Loan Payment field group.

 

If a loan has a surplus above your surplus limit and you click <Post Analysis>, you can then print a reserve excess check for the borrower using the Loans > Check Printing > Reserve Checks screen.