Loan/Share Trial Balance Review

Screen ID:	IMBSUM-01
Screen Title:	Loan/Share Trial Balance Review Summary
Panel ID:	4583
Tool Number:	478
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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).

To view summary balances for a single date, enter a Corp ID and a Date 1 and use Enter. The list will display a summary for each product type as of that date. (Remember that this information is compiled as a “snapshot” during beginning-of-day processing. Use a date prior to today.)
To view a comparison between data from two different dates, enter a Corp ID, a Date 1 and a Date 2 and use Enter. The list will display a summary for each product type comparing the two dates. A net change is calculated showing the difference in balance and number of accounts.

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.

To view a detail of the GL of any single product type, select the line item and select G/L by Product. To return to the summary, use Summary (F6).

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.

To view a detail of the GL of any single branch, select the line item and select G/L by Branch. To return to the summary, use Summary (F6).

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.

To see accrued interest/dividends instead of the average balance, use Toggle Avg/Accr. (F10) Click the button again to return to the original display.

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).