Prepare the first row of a loan amortization schedule based on the following information. The loan amount is for $$12,560\mathrm{.}00$ with an annual interest rate of $12\mathrm{.}96\%.$ The loan will be repaid over $4\mathrm{.}0$ years with monthly payments.

Loan payment:

Interest portion:

Principle portion:

Loan balance after first monthly payment: