Income Statement Reports

Income Statement Reports

Interest accruals are hitting the income statement within the core banking system throughout the month. There may be elements of the income statement such as fixed asset depreciation and cost allocations that only happen at a certain point in the month. BankBI makes this information readily available throughout the month and in the run up to month end. This enables you to close the month end quickly and distribute reports immediately.

Income Statement Comparisons

The Income Statement Comparisons report provides a complete breakdown of the income statement with comparisons for this month with a previous month end or budget and a YTD growth comparison.

A full income statement with comparisons for:

• Yesterday v Last Month End
• This Month v Same Month in the Previous Year
• Year to Date v Last YTD
• Yesterday v Budget
• Year to Date v Budget
• Last Month v Previous Month
• Last Month v Same Month in the Previous Year
• Last Month v Budget
• Annual Trend Line

Income Statement Trends

The Income Statement Trends report displays a full income statement over a longer period of several months. this report helps to identify underlying historical trends.

A full income statement with comparisons for:

• This Month to Date & the Last 7 Month End Positions
• Prior Year MTD
• Annual Trend Line

Income Statement Monthly

The Income Statement Monthly report displays a full income statement over a longer period of 13 months as well as the YTD Income Statement for the current financial Year. This report helps to identify underlying historical trends.

Income & Expense v Assets

The Income & Expense v Average Assets enables you to track your key income and expense lines as a percentage of assets.

An analysis of key income and expenses as a % of assets with comparisons for:

• Monthly (for the last 3 month ends)
• Year ago (the same month a year ago)
• Year-to-Date v Year-to-Date for the same month last year
• Annual Trend Line

Overhead Trends

The Overhead Trends report displays salaries, premises, rent and occupancy for the previous twelve months as well as tracking non-interest income and non-interest expense.

An analysis of non-interest income and non-interest expenses and net overheads as a % of assets with comparisons for:

• Monthly (for the last 12 month ends)
• Year-to-Date v Year-to-Date for the same month last year
• Annual Trend Line

Productivity Analysis

The Productivity Analysis report displays a breakdown of indicators per full time employee such as assets, loans, and deposits per full time employee as well as income and expense indicators. The efficiency ratio or cost income ratio can be analysed here in line with each of the other ratios which tell the stories within the efficiency ratio helping to highlight the contributing factors to whether the efficiency ratio is up or down.

An analysis of employee productivity with comparisons for:

• Monthly (for the last 3 month ends)
• Year ago (the same month a year ago)
• Year-to-Date v Year-to-Date for the same month last year
• Annual Trend Line

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