For the bank
Maple Family Trust line
Example Private Bank · Maple Family Trust · Fidelity Brokerage ...4417
As of Nov 10, 2026 · Prepared with xutz · Demo data: every name and figure is fictional · Figures marked est. are estimates
- Limit
- $150,000
- Drawn
- $100,000
- Collateral
- $414,097est.
- Lending value
- $198,879est.
- Available
- $50,000est.
- Utilization
- 66.7%
- of lending value
01
Collateral schedule
Each pledged position, the advance rate applied, and the lending value it supports
| Position | Type | Value | Share | Advance | Lending value | Rate |
|---|---|---|---|---|---|---|
| Vanguard Total Stock Market | Fund | $290,428 | 70.1% | 50% | $145,214 | Confirmed |
| NVIDIA Corp. | Stock | $123,669 | 29.9% | 43% | $53,665 | Unconfirmed · rule |
| Total | $414,097 est. | $198,879 est. |
02
Advance rates
As entered; the bank's confirmation is what makes them figures rather than estimates
| Applies to | Advance | Bank |
|---|---|---|
| Default (stocks and funds) | 50% | Confirmed |
| Single positions above 20% (the excess) | 30% | Not confirmed |
03
xutz beside the bank
The bank's latest figures (Nov 2, 2026) against xutz's snapshot of Nov 1, 2026
| Figure | Bank | xutz | Difference |
|---|---|---|---|
| Balance | $100,000 | $100,000 est. | $0 |
| Collateral value | $280,000 | $419,409 est. | +$139,409 |
| Lending value | $136,000 | $201,193 est. | +$65,193 |
| Available | $36,000 | $50,000 est. | +$14,000 |
04
Ledger
Draws, repayments and interest on file
| Date | Entry | Amount | Note |
|---|---|---|---|
| Jun 13, 2026 | Draw | $100,000 | Fictional draw, invested in the account |