Loan/Share Trial Balance Review

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IMBSUM-01

Loan/Share Trial Balance Review Summary

4583


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Access this screen by selecting Tool #478: Loan/Share Trial Balance Review.  .

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This information is created during beginning-of-day processing and stored in two data files: MBALSUM and MBALDET. These files store the daily trial balance information that allows this interactive inquiry. These files are also designed to be used in independent Queries and printed analysis

This product analyzes the Member Trial Balance for key components, beginning with an overview of the main CU*BASE product applications, a calculation of the Loan-to-Share ratio, and finally a detailed breakdown on the Dividend Application, Certificate Type and Loan Category levels.

Also select to view all loans, or only the credit union owned or investor owned portions by using the "Loan balances include" section at the top of the screen.

Use ADB Calc (F9) to see the average daily balance of your G/L accounts for any date range.

Use Audit (F15) to view inquiry screen that compares you credit union’s Member Trial Balance totals to the appropriate General Ledger accounts, making it easy to see where the two are out of balance.

Use View Exclusions (F16) to view the G/Ls that are excluded from the dashboard.  If you want to exclude a G/L from this screen (such as your loan loss G/L, 719.00) you can mark to exclude it in the Charge of Accounts maintenance tool for that individual amount using Exclude G/L (F23).

HINT: Loan to Share ratios are always calculated using the Record Date. Also, because the comparison automatically calculates the net difference between the dates, it is helpful to put the earlier of the two dates in the Record Date field.

NOTE: When viewing detail with comparison dates, the Date 1 Balance column shows figures as of the Record Date. The Date 2 Balance column shows figures as of the Comparison Date.

NOTE: When viewing detail with comparison dates, the Date 1 Balance column shows figures as of the Record Date. The Date 2 Balance column shows figures as of the Comparison Date.

HINT:  If a G/L does not have data, then this G/L did not have a balance for that month.

Field Descriptions

Field Name

Description

Corp ID

Enter the company ID number to see balances for that corporation (generally 01).

Date 1

Enter a date to see aggregate balances as of that single date.

Date 2

This field can be used if you wish to compare current data to past data. First, enter the Record Date as usual. Then enter a different date in the Comparison Date fields. Use Enter to see both balances.

  • NOTE: Loan to Share ratios are always computed using the Record Date.

Application

For the Summary screen, this column lists the specific CU*BASE application being viewed.

If the Detail screen is displayed, this column lists the specific share dividend application, certificate type, or loan category being displayed.

SHARES

Aggregate balances for all share type accounts (application code “SH”). For Query purposes, this information is stored in file MEMBER1.

CHECKING

Aggregate balances for all checking accounts (application code “SD”). For Query purposes, this information is stored in file MEMBER2.

CERTIFICATES

Aggregate balances for all certificate accounts (application code “CD”). For Query purposes, this information is stored in file MEMBER3.

TAX SAVINGS

Aggregate balances for all escrow type savings accounts (application code “TX”). For Query purposes, this information is stored in file MEMBER4.

NET SAVINGS

Aggregate balances for all share, checking, tax savings and certificate accounts.

  • NOTE: Detail information is not available for net savings, so F5-Detail will not work for this line item.

LOANS

Aggregate balances for all loan accounts (application code “LN” and “OC”). For Query purposes, this information is stored in file MEMBER5 and MEMBER6.

Date

The date for which balances are shown.

Balance

The aggregate balance of all accounts as of the date shown in the Record Date fields.

# of Accounts

The total number of accounts used to calculate the Balance.

Average Balance

The average balance for all accounts:

 Balance ¸ # Accts = Avg Balance

Accrued

(Will appear after Toggle Avg/Accr (F10) is used.) The total of accrued interest or dividends for all accounts.

Loan to Share Ratio for Loan Balances

This total shows the loan-to-share ratio using all aggregate balances as of the date shown in the Record Date field.

Loan Aggr. Bal. ¸ Net Savings Aggr. Bal. = Loan to Share Ratio

Loan to Share Ratio based on # of Accounts

This total shows the loan-to-share ratio using all account number counts as of the date shown in the Record Date field.

Loan # Accts ¸ Net Savings # Accts = Loan to Share Ratio

Buttons

Button

Description

GL by Product (F4)

Select any line item and use this to see a detail screen showing all of the individual dividend applications, certificate types or loan categories that make up the summary balance.

  • NOTE: This will not work on the Net Savings line item.

G/L by Branch (F5)

Select any line item and use this to see detail screen showing all of the individual dividend applications, certificate types or loan categories by branch that make up the summary balance.

ADB Calc (F9)

Use this to see the average daily balance of your G/L accounts for any date range.

Toggle Avg/Accrued (F10)

Use this to display accrued interest/dividends in place of the Average column. Use again to return to the original display.

Export (F14)

Use this to export your data to a file for use with Report Builder.

Audit (F15)

Access an inquiry screen that compares you credit union’s Member Trial Balance totals to the appropriate General Ledger accounts, making it easy to see where the two are out of balance.

Exclusions (F16)

Use this to view the G/Ls that are excluded from the dashboard.  If you want to exclude a G/L from this screen (such as your loan loss G/L, 719.00) you can mark to exclude it in the Charge of Accounts maintenance tool for that individual amount using Exclude G/L (F23).

 

 

Link to ID: https://help.cubase.org/cubase/cubase.htm#IMBSUM-01.htm