Financial Results

Financial Results

All the Financial Results reports and dashboards are available daily showing the current month-to-date financial position.

Financial Position & Earnings

The Financial Position & Earnings dashboard shows key financial ratios, key balance sheet position indicators such as assets and loans, and key earnings indicators such as net income.

The Balance Sheet indicators include:

• Assets
• Loans
• Loan Loss Reserve
• Total Deposits
• Borrowings
• Equity

With comparisons for:

• Yesterday v Last Month End
• Yesterday v Last Year End
• Yesterday v Budget
• Yesterday v Last Quarter
• Last Month v Previous Month
• Last Month v This Month Last Year
• Last Month v Budget
• Last Month v Last Year End
• Last Month v Previous Quarter

The Key Ratios indicators include:

• Equity to Assets
• Texas Ratio
• Loan Loss Reserve to Loans
• Loans to Assets
• Loans to Deposits

With comparisons for:

• Yesterday v Last Month End
• Yesterday v Last Year End
• Yesterday v Budget
• Yesterday v Last Quarter
• Last Month v Previous Month
• Last Month v This Month Last Year
• Last Month v Budget
• Last Month v Last Year End
• Last Month v Previous Quarter

The Income Statement indicators include:

• Interest Income
• Interest Expense
• Net Interest Income Plus Fees
• Non-Interest Income
• Net Income before Expenses
• Non-Interest Expense
• Net Operating Income
• Provision for Loan Losses
• Taxes
• Net Income

With comparisons for:

• Yesterday v Last Month End
• Yesterday YTD Position v YTD Position for This Month Last Year
• Yesterday v Budget
• Yesterday v Last Quarter
• Last Month v Previous Month
• Last Month v Budget
• Last Month v Previous Quarter
• Annual Trend Line

Performance Ratios

The Performance Ratios dashboard contains key ratios such as return on assets, return on equity, yield on earning assets to name but a few and these are the top ratios that executive management will be tracking each month. These ratios will form a key part in measuring a bank’s strategic goals.

The Performance Ratios indicators include:

• Return on Assets
• Return on Equity
• Yield on Earning Assets
• Total Cost of Funds
• Net Interest Margin
• Non-Interest Income to Assets
• Non-Interest Expense to Assets
• Efficiency Ratio

With comparisons for:

• Yesterday v Last Month End
• Year to Date
• Yesterday v Budget
• Yesterday v Last Quarter
• Last Month v Previous Month
• Last Month v Budget
• Last Month v Previous Quarter
• Annual Trend Line

Financial Scorecard v Budget

The ratios from the Financial Position & Earnings dashboard and Performance Ratios dashboard form the Financial Scorecard v Budget dashboard, giving a full comparison against budget which enables tracking against plan and variance analysis.

The Balance Sheet Indicators include:

• Assets
• Loans
• Loan Loss Reserve
• Total Deposits
• Borrowings
• Equity

The Key Ratios indicators include:

• Equity to Assets
• Texas Ratio
• Loan Loss Reserve to Loans
• Loans to Assets
• Loans to Deposits

The Earnings indicators include:

• Interest Income
• Interest Expense
• Net Interest Income Plus Fees
• Non-Interest Income
• Net Income before Expenses
• Non-Interest Expense
• Net Operating Income
• Provision for Loan Losses
• Taxes
• Net Income

The Performance Ratios indicators include:

• Return on Assets
• Return on Equity
• Yield on Earning Assets
• Total Cost of Funds
• Net Interest Margin
• Non-Interest Income to Assets
• Non-Interest Expense to Assets
• Efficiency Ratio

All with comparisons for:

• Yesterday v Budget
• Last Month v Budget
• Annual Trend Line

For more information about BankBI please visit our website at bankbi.com