Financials
Powerful and flexible financial reporting.
Balance sheets, income statements, ratios, budgeting, and peer benchmarking, down to the accounts behind every number.
Where the Day Starts
The Financials home page answers the questions leadership asks first thing in the morning. Your reports, the day's balances and how they moved, and the net interest margin trend, rate impact, and policy ratios are all on the same page.
Favorite the reports you open every day. The margin graph is interactive, so a trend worth asking about opens up rather than sending you off to build something.
- Assets, loans, deposits, net income
- Previous day, MTD, and YTD change
- Interactive net interest margin trend
- What one basis point is worth
- Key ratios beside the graph
- Favorite the reports you use daily
Financial Reporting
Build everything from a simple balance sheet and income statement to a fully customized consolidated report, then group your reports the way your institution thinks about them.
Dates are defined as part of the report itself - the last three month ends, skipping the current one, each compared against the same month last year. Change any of it while you are looking at the report and it updates in place.
Flexible Layouts
- Many dates at once, in any order
- Comparison dates saved with the report
- Branch, market, or profit center columns
- Condensed to total lines only
- Rounding, zero dashes, hidden empty rows
- Orientation, size, and logo on the PDF
Drill Down to the Details
A total on a balance sheet is only useful if you can find out what is inside it. Select any accumulator and BNControl opens the GL groups that make it up. Select a group and you get every account in it, named, by branch, with its balance and its averages.
Select a ratio instead and you get the calculation rather than a list - the components, the figures, and how they were combined.
- Accumulator to the groups behind it
- Group to every account inside it
- Current balance and previous day change
- Monthly, QTD, and YTD averages per account
- Filter by branch, market, or profit center
- Ratios explain their own calculation
Explain It, Then Prove It
Half the work of a monthly financial package is explaining the numbers that moved. Add a comment to any balance, rate, or ratio directly on the report and it stays attached to that line. By default it shows on the process date it was written for, or pin it across a date range so it travels with the item, and it prints on the PDF alongside the figures it explains.
When the question is where an entry came from rather than what it means, Transaction Research finds it. Search general ledger activity for a specific amount over a date range to track down a posting or verify one, then go straight to the account behind it.
- Comment on any balance, rate, or ratio
- Pin a comment across a date range
- Comments included on the printed PDF
- Search GL activity by amount and date
- Posting and effective dates side by side
- Straight through to the account
Peer Analysis
Peer Analysis benchmarks your institution against a group of peers you choose yourself, on FFIEC Call Report data, quarter by quarter. Compare profitability, capital, asset quality, and liquidity against the institutions you actually compete with.
Search for institutions by name, city, or state, or let BNControl suggest peers based on your own profile. Every report puts you beside the group average and the gap between you, and any value opens into its own history against each peer.
- Peer group average and your difference
- Your own label and color for each peer
- Suggested peers based on your profile
- Peers as columns, or as rows
- Select any value to chart its history
- Export to CSV, PDF, or a Meeting Package
Benchmarking Reports, Already Built
Peer reports start from prebuilt templates that cover the ground a board or an examiner asks about, so you do not have to assemble one field by field. Pick a template, name it, and edit it from there - or run Quick Start against a peer group and five of them are built and added to your Financials home page at once.
Budgeting
Budgeting made easy. Every institution builds its budget a little differently, so BNControl gives you the tools rather than a process. Start from a prior date or a previous budget, choose whether balances begin from actuals, an average, or the forecasted year end, then project deposits and loans and let BNControl force balance to a balancing account you choose.
Once balances are in, project rates for each GL group and apply them to populate income and expense automatically. Build as many budgets for a year as you want and mark one primary for variance reporting, then lock it when the review is finished.
- Percentage of total, with last year's shown
- Carry forward, or a fixed amount each month
- Accumulate a starting balance by a set amount
- Move a group by a percentage, or key it in
- Paste January through December from Excel
- Budget by branch and roll branches into one
- Export to PDF, CSV, or Meeting Package
From the general ledger to the board package - without a spreadsheet in between.
Ratios, Yields, and Costs
BNControl calculates your yields, costs, and ratios from the mapping behind your balance sheet, so they are right without anyone maintaining a spreadsheet. Select any of them and you see exactly how the calculation was performed.
Set upper and lower bounds to match policy and anything that falls outside is highlighted where you read it. Annualization is handled the same way every time, whether you are looking at a month, a quarter, or a year to date.
- Calculated from your own GL mapping
- Select any figure to see the calculation
- Upper and lower bounds set to your policy
- Out-of-policy values highlighted on the report
- MTD, QTD, and YTD annualized consistently
Executive Summary
The Executive Summary gives leadership a high-level view of performance in three sections - Growth, Financial Performance, and Portfolio Quality. Each one pairs a trend graph with the numbers behind it.
Four headline measures head every section. Select one and the graph redraws to it, so a question about return on equity or delinquency is answered on the same page it was asked.
Underneath each graph, the detail table shows the totals with their movement and direction. Growth switches between year to date, year over year, and month to date at a toggle. Financial Performance sets year to date beside year over year across income, expense, and net income. Portfolio Quality reports delinquency at 30 and 90 days, non-accruals, other real estate, and what matures in the next 30 days, with counts, balances, and weighted rates.
Growth
Assets, Loans, Deposits, Loan to Deposit
Financial Performance
Net Income, Return on Assets, Return on Equity, Tier 1 Capital
Portfolio Quality
Net Interest Margin, Delinquency, Cost of Funds, Loan Yield
- Twelve measures available as the section graph
- YTD, YOY, and MTD comparisons at a toggle
- Profiles for a branch or a group of branches
- Export to PDF or Meeting Package
Interest Margin Analysis
Have you ever wanted to adjust rates and balances on your assets and liabilities to see how it affects earnings? Move a slider or type an exact figure against any earning asset or funding source and watch the projection update beside the actual.
Interest income, interest expense, earning assets, and net interest margin all recalculate as you go, along with what a single basis point is worth. Narrow the view to only the rows you changed, and reset the whole thing in one click when you want to start over.
- Sliders, or type an exact yield or balance
- Actual and projected side by side
- Interest income, expense, and earning assets
- Net interest margin and basis point impact
Custom Reports
When the standard reports do not cover it, the Custom Report Builder pulls from anywhere in Financials - groups, standard fields, yields and costs, accounts or ranges, ratios, and components that come from outside the general ledger.
Build the report a line at a time. Any line can be restricted to specific branches, annualized, negated, hidden, or set in bold or a color. Accumulators add, subtract, multiply, and divide the lines above them, and a subtotal can build on an earlier subtotal, so the report reads down the page the way you would explain it out loud.
- Groups, fields, accounts, ratios, components
- Restrict any line to specific branches
- Annualize, negate, hide, bold, or color
- Accumulators that add, subtract, multiply, divide
- Subtotals that build on earlier subtotals
User-Defined Components
When a figure does not exist yet, build it. A User-Defined Component names the items it needs as variables and combines them with a formula you write, so a number your institution reports but the general ledger has never held becomes a line on a report like any other.
Items come from the same places the rest of Financials does - groups, standard fields, accounts and ranges, ratios, and yields and costs. Give each one a variable name and the formula reads in plain arithmetic rather than account numbers.
Test it against a real date before you put it to work, so a component that is off is caught long before it reaches a board report. Once it works it is available anywhere a component can be used, including custom reports and the Executive Summary.
- Items named as variables in your formula
- Groups, fields, accounts, ratios, yields and costs
- Arithmetic written the way you would explain it
- Tested against a real date before you use it
- Used on custom reports and the Executive Summary
Built to Match Your Balance Sheet
Financials is only as good as the mapping underneath it, which is why our support team does that work with you before you go live. Your accounts are grouped to look like the balance sheet and income statement you already read, headers, spacers, and accumulators included, and anything can be dragged into place.
After that it mostly runs itself. Eliminating entries at the account level gives you consolidated statements. Profit centers imported from your core add another way to slice a report. A group can stay visible on the page while being left out of the totals.
- Laid out like the balance sheet you know
- Headers, spacers, and accumulators, reordered by drag
- Account ranges plus one-off additional accounts
- Exclude a group from totals but keep it visible
- Eliminating entries for consolidated statements
- Profit centers as an extra reporting filter
- Validation that counts what still needs mapping
Measured Against Peers
Benchmark against a peer group you build yourself, on Call Report data, with your institution shown beside the group average and the gap between them.
Board Packages
Send financials, graphs, and charts into a Meeting Package alongside your own documents, then lock and archive it for safekeeping.
Shaped to Your Institution
Custom reports, your own formulas, ratio bounds set to policy, and a layout that matches the statements your board already reads.
Are you ready for a demo?
See BNControl for yourself. We'll show you the modules you're interested in and answer questions along the way.