The Account Level Forecasting Series


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The BankLink Solutions ~ Forecasting & Reporting Systems provide various levels of concise reporting to meet the needs of various constituents within the Bank.


The Account Level Forecasting Series Reporting is intended to be utilized by the C.E.O., C.F.O. and Executive Management and to be made available to the Board of Directors as a reference (when substantial detail is desired at the account level). 

The Account Level Forecasting Series Reports are the bedrock of our Forecasting System.  This is the most detailed and most important of the various reporting series because it is the engine that drives all other systems.  It is only at this basic account level that true forecasting and analyses can be done. 

Line-item Detail 

Assets & Liabilities 

Volumes & Rates 

Interest Income & Interest Expenses 

Non-Interest Income & Non-Interest Expenses 

Reserve for Loan Losses 

Capital Accounts 

Dividends 

Risk-Weightings 

Taxes 

Net Income 

Key Ratio Analysis  

 The Account Level Forecasting Series includes the following reports:

The Performance Analysis Section of this report provides a Financial Analysis of the Balance Sheet, Income Statement, and numerous Key Ratios in comparison to the Budget for the current month and on a year-to-date basis. 

Additionally, it compares the current month’s performance and condition to both the prior month and to the same month one year prior.

The Forecasting Reports show the actual and projected Financial Analysis of the Balance Sheet, Income Statement, and numerous Key Ratios.


Executive Management Series vs. Account Level Forecasting Series

The Executive Management Series Reports are based upon the "Master Account" Level of Reporting, while the Account Level Forecasting Series is based upon the "Basic Accounts" and also shows the "Master Account" Sub-totals.  This allows the reader to gain a full perspective of the Bank's Performance.

In our example below, the Basic Accounts (separated by repricing characteristics) are then grouped together to form the Master Account for Variable Rate Commercial Loans.

Variable Rate Commercial Loans:

  • Prime Based Loan + X bps - (Monthly)
  • Prime Based Loan + Y bps - (Monthly)
  • Prime Based Loan + X bps - (Quarterly)
  • Prime Based Loan + Y bps - (Quarterly)
  • Prime Based Loan + X bps - (Semi-Annually)
  • Prime Based Loan + Y bps - (Semi-Annually)  

 


Pen_Sample Report

Please click on the links below to view a sample of the Account Level Forecasting Reporting Series:

Performance Analysis

Current Year Perspective