defininitions of terms associated with debt restructuring
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| loan portfolio | Total of all loans held by a bank or finance company on any given day.
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| non-accruing loan | a loan that is more than 60 days past due with no payments being made, and that has stopped accruing interest
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| past due loan | a loan on which payment in full is 30 to 60 days past due, but partial payments are being made
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| delinquent loan | a loan that is 30 to 60 days past due with no payments being made
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| bank examiner | an examiner appointed to audit the accounts of banks in a given jurisdiction
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| TDR | troubled debt restructuring - A troubled debt restructuring occurs when a creditor for economic or legal reasons related to its debtor’s financial difficulties grants a concession to the debtor that it would not normally consider
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| financial difficulties | in default on any of its debt, is in bankruptcy, has securities that have been delisted, cannot obtain funds from other sources, projects that it cannot service its debt, or there is significant doubt about whether it can continue to be a going concern.
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| concession | A concession may involve restructuring the terms of a debt (such as a reduction in the interest rate or principal due, or an extension of the maturity date) or payment in some form other than cash, such as an equity interest in the debtor.
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| loan renewal | Renewal of a loan is accompanied by cancellation of a maturing note and making of a new one, which is then recorded on the bank's records. Renewal may also mean an extension of the maturity of an existing loan
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