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
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