I am trying to define "Forward Roll" "Stabilized" "Rollback" and "Cure" onto an equation based on the below text. Can anyone help?

The variables used are:
(STB) Stabilized %- Term and measure used when referring to “Roll Rate” meaning an account did not roll into a further delinquent state or roll back to a less delinquent state. Loan remained stable within DPD bucket.
(FR) Forward Roll % - Term and measure used when referring to “Roll Rate” meaning an account aged or became more delinquent and rolled into the next stage of delinquency.
(RB) Roll Back % - Term and measure used when referring to “Roll Rate” meaning an account received a payment and did not become current however it did move back a stage in delinquency
Roll Rate %- A method to measure expected delinquency. The underlying assumption is that future accounts will continue to flow through delinquent buckets as they have in the past. Dividing the current month's/weeks delinquency bucket by the prior delinquency bucket, calculates the month's roll rates in the previous month.
(CU) Cure %- Term and measure used when referring to “Roll Rate” meaning an account received a payment and became current.
(CYC) Billing cycle has occurred
(ACC) Account- Loan in MLPS or Daybreak
(DPD) Days Past Due- Number of days an account is past due
(PMT) Payment- Payment made on account
(MO1) Current Month
(MO2) Previous Month

Not sure from your question what form of an "equation" you are looking for, but if you are trying to set up an Excel spreadsheet then you might think along these lines:


Cure: if PMT>=1, and DPD this month =0, and DPD last month >0.
Stabalized: if DPD this month = DPD last month
Rollback: if PMT>1, and DPD this month >0, and DPD this month < DPD last month

Hope this helps.

ebaines, thanks for your reply. I had not thought of the equation or formula in Excel terms. I'm going to go with it. Thanks a bunch

EW