Balance Sheet Reports

Balance Sheet Reports

One of the key benefits for finance with BankBI is that you can move away from looking at your reports as a one-shot deal at the end of the month to tracking financial performance every day. The Balance Sheet Comparisons report provides a month end view of the balance sheet every day of the month and compliments the Daily Balance Sheet described above.

Balance Sheet Comparisons

The Balance Sheet Comparisons report shows a detailed balance sheet with comparisons for this month with a previous month end, previous quarter end or budget using actual or average balances. The average balance calculation is important thought the system because it helps give a true reflection of your yield or return on assets instead of using only the actual balance at month end. With an automated calculation for average balances this is a major benefit to finance departments that are currently doing this calculation by manually capturing the trial balance daily.

A full Balance Sheet with comparisons for:

• Yesterday v Last Month End
• Yesterday v the same month a Year Ago
• Yesterday v Budget
• Yesterday v Last Quarter
• Last Month v Previous Month
• Last Month v Year Ago
• Last Month v Budget
• Last Month v Previous Quarter
• YTD Average
• Actual or Average Balances
• Annual Trend Line

Balance Sheet Trends

The Balance Sheet Trends report shows you actual and average balances over a longer period than the Balance Sheet Comparisons report with filtering between monthly and quarterly trends.

A full Balance Sheet with comparisons for:

Monthly Balances:

• Yesterday’s Balance and Last 7 Month End Balances
• Yesterday v the same month in the Prior Year
• Last Month and Last 7 Month End Balances
• Annual Trend Line
• Actual or Average Balances

Quarterly Balances:

• Yesterday’s Balance and Last 7 Quarter End Balances
• Yesterday v the same month in the Prior Year
• Last Month and Last 7 Quarter End Balances
• Annual Trend Line
• Actual or Average Balances

Balance Sheet Monthly Movements

The Balance Sheet Monthly Movements report shows you 13 months of monthly changes with a filter to toggle between the monthly change and the monthly balance. It has a filter to toggle between average and actual balances.

Asset Composition

The Asset Composition report shows how earning and non-earning assets are made up in terms of a percentage of total assets; such as total interest earning loans as a percentage of assets and total securities as a % of assets. The report displays a breakdown of the loan portfolio by personal, commercial, real estate for example.

The Asset Composition report includes indicators for:

• Earning Assets
  • Overnight Funds to Assets
  • Securities to Assets
  • Loans to Assets
  • Other Earning Assets to Assets
  • Total Earning Assets
• Non-Earning Assets
  • Cash and Due to Assets
  • Fixed Assets to Assets
  • Other Real Estate to Assets
  • Other Non-Earning Assets to Assets
  • Total Non-Earning Assets
• Loan Portfolio Composition
• Key Ratios
  • Net Loans to Assets
  • Loans to Deposits
  • Loan Loss Reserve to Loans

With comparisons for:

• Yesterday and Last 2 Month End results
• Yesterday and the same month in the Prior Year
• Year-to-Date Average for Yesterday and the same month last year
• Last Month and Last 2 Month End results
• Last Month and the same month in the Prior Year
• Year-to-Date Average for Last Month and the same month last year
• Annual Trend Line

Sources of Funds

The Sources of Funds report displays how deposits are split between demand and time deposits as a percentage of total deposits.

The Source of Funds report includes indicators for:

• Non-Maturity Deposits
• Time Deposits
• Borrowings

With comparisons for:

• Yesterday and Last 2 Month End results
• Yesterday and the same month in the Prior Year
• Year-to-Date Average for Yesterday and the same month last year
• Last Month and Last 2 Month End results
• Last Month and the same month in the Prior Year
• Year-to-Date Average for Last Month and the same month last year
• Annual Trend Line

Loan & Deposit Trends

The Loan and Deposit Trends displays charts for 12 month trends of loan and deposit growth vs. budget.

The Loan & Deposit Trends report includes indicators for:

• Loans
• Total Deposits

With comparisons for:

• Yesterday v Last Month End
• Yesterday v the same month a Year Ago
• Last Month v Previous Month
• Last Month v Year Ago

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