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