| Months | Loan balance | Depreciated value |
|---|---|---|
| 0 | 20 | 17 |
| 3 | 19 | 16 |
| 6 | 18 | 15 |
| 9 | 17 | 14 |
| 12 | 16 | 13 |
| 15 | 15 | 12.5 |
| 18 | 14 | 12 |
| 21 | 13 | 11.5 |
| 24 | 12 | 11 |
| 27 | 11 | 10.5 |
| 30 | 10 | 10 |
| 33 | 9 | 9.5 |
| 36 | 8 | 9 |
| 39 | 7 | 8.5 |
| 42 | 6 | 8 |
| 45 | 5 | 7.5 |
| 48 | 4 | 7 |
| 51 | 3 | 6.5 |
| 54 | 2 | 6 |
| 57 | 1 | 5.5 |
| 60 | 0 | 5 |
| Source: Federal Deposit Insurance Corporation | ||