Accounting & Finance
Accountants spend countless hours consolidating data via spreadsheets and manual data dumps, making the financial reporting process cumbersome and time consuming. JOHO combines general ledger account, balance, and transaction data across multiple companies and financial systems, empowering employees to “close the books” more quickly without involving the IT department.
Use JOHO OneSource™ to:
- Slice, dice, and filter on GL Acct #, Acct Type, Company, Date, Branch, Dept, Cost Center, User, Transaction Type, and more
- Quickly view Daily, Monthly, and Transaction balances at the click of a button
- Build unlimited custom Financial Statements, Call Reports, and Board Reports delivered securely to the users you define
Here are just a few report examples for Accounting & Finance:
Quarterly Income Statement ?
This custom income statement groups GL Accounts in a manner defined by a customer, and includes quarterly balances for Current, Previous, and Change amounts. Add subtotals, additional groupings, or export to Excel for manual input.
Monthly Balance Sheet ?
This custom balance sheet groups, orders, and subtotals GL Accounts to match the Board Report package. This report uses colors, instead of underlines, to highlight totals and subtotals, and always includes the year-end balance from the previous December.
GL Transactions List ?
The GL Transaction List report lists out all transactions for all GL accounts. With the ability to choose a start and end date, this report gives users the ability to get different totals or sums on a variety of GL transaction data.
Compliance and regulatory pressures, whether internal or external, are stressful, expensive, and ever changing. Automating processes and reports to monitor “exceptions” will help minimize exposure. Data integration and analysis ensures you are detecting, preventing, and addressing deviations arising from error, fraud, illegal, and unethical nonconformity throughout your entire operations.
JOHO OneSource™ helps:
- Mitigate risk and meet and exceed regulatory reporting requirements and expectations
- Deliver regulatory and audit reports more quickly and with greater accuracy
- Issue tracking, alerts, and notifications to potential risks before they become an issue
Here are just a few report examples for Compliance:
Customer Tax ID Review ?
The Customer Tax ID Review report uses logic to show possible invalid Tax ID’s in the system. This report can significantly help with reducing tax document issues at year end.
Teller Over/Short ?
The Teller Over/Short report lists out the times tellers post over or short for the day. This report can be filtered by branch, drawer number, year, and month. There is a query filter to only show records where the amount is not equal to 0.
Deposit Audit ?
The Deposit Audit report lists out deposit account log/audit data.
Customers today have a myriad of vendor and product options when deciding where to “deposit” money. How well do you know your customers and what they expect? Do you understand their spending habits, ATM trends, and personal interests? Are you able to contact customers in advance to renew maturing CDs? Combining detailed deposit information with customer demographics grants you the ability to offer relevant products to customers based on different ages, life stages, and personal needs.
JOHO OneSource™ provides:
- Daily sales, product mix, and productivity analysis instead of periodic reports for faster decision making
- Potential customer attrition insight by monitoring direct deposit and bill pay cancellation activity
- Fee and service income (actual vs. budget) and cost of funds analysis
Here are just a few report examples for Deposits:
CD Maturity Forecast ?
The CD Maturity Forecast report lists out a count (#) and amount ($) for CD’s maturing by year and month and gives a cost of funds percentage for those CD’s within the year/month they are maturing. It also allows the user to drill into the specific accounts for each month or overall by year
Deposit New Accounts by Product ?
The Deposit New Accounts by Product report allows you to choose a date range and see deposit accounts opened in the time. These accounts are grouped by product and allows the FI to see count totals and balance totals.
Trending Deposit Dashboard ?
The Trending Deposit Dashboard report charts out current deposits, new deposits, and maturing deposits by month all in trending charts.
Today’s environment has C-Level Executives dealing with more pressure than ever before. Sales, finance, operations, customers, culture, employees, stock price, investors, board of directors, regulators, along with family, friends, health, and community… that’s enough responsibility to give any Executive a headache. With this much data and information to manage, no one wants to wait for data compilation, out of office employees, or end of day/week/month/quarter/year reporting? You need answers NOW, not later.
JOHO OneSource™ relieves Executive stress by:
- Delivering the data you want, on demand, in the format you desire, and to the people you need
- Summarizing and trending results from unlimited data sources, while allowing you to drill-to-detail to answer “how” or “why”
- Providing a common solution for delivering strategic, tactical, and operation goals and results to all levels of your organization
Here are just a few report examples for Executives:
Margin Review Chart ?
The Margin Review Chart report charts out average rates of accounts vs system rates. It also charts out deposit and loan account rates vs system rates.
Bank Dashboard ?
The Bank Dashboard report is parameter driven by year and month. It compares bank figures based on month chosen, prior month, and prior year with % variances. Many metrics are looked at including customer, loan, deposit, and other figures.
Your institution’s profitability is highly dependent on the amount and quality of loans generated. Commercial or consumer, agriculture or retail, understanding loan portfolio mix, risk, and demographics can significantly affect your financial success. Blending multiple data sets from core and ancillary systems creates a complete loan pipeline from application to underwriting to funding, and all of the touch points in between.
JOHO OneSource™ helps identify:
- Weighted average yield summary and detail
- Actual vs. Goal loan pipeline activity updated daily
- Delinquencies, past dues, branch and loan officer performance
Here are just a few report examples for Loans:
Loan Officer Dashboard ?
The Loan Officer Dashboard report is parameter driven to choose a loan officer. It is a dashboard that includes multiple metrics like total loan balance, # loans opened past 3 months, balance of loans opened past 3 months, # loans delinquent 15+ days, balance of loans delinquent 15+ days, a list of loans maturing in the next 3 months, and a list of loans closed in the past 7 days.
Loan Weighted Avg Yield Summary ?
The Loan Weighted Average Yield Summary report is a summary of weighted average yield by year/month at the product level. It can also be filtered down further by branch if wanted.
Loan Map ?
The Loan Map report is a heat map that shows loan account amounts, counts, and distinct customer counts by state, county, and city.
Marketing is the process of finding, engaging, and preserving product and service relationships with potential customers. Knowing exactly which individuals and businesses to target and what message to deliver can be challenging. JOHO combines unlimited data into a single source of truth and allows marketers to perform detailed analysis and enrich your customer insight.
Use JOHO OneSource™ to:
- Integrate data from core, social media, and various ancillary systems
- Slice-and-dice customer segments, products, and portfolios
- Leverage the JOHO/Creative Storm partnership to build a custom marketing plan solution
Here are just a few report examples for Marketing:
Customer Demographics Dashboard ?
The Customer Demographics Dashboard shows charts based on customer data. Allows you to filter and drill into each piece of data and list out customers that make up a particular piece of the data.
Customer 360 Dashboard ?
The Customer 360 report is a parameter driven report that allows you to choose a customer and see basic customer info along with customer to customer relationships. Deposit, loan, and safe box info is also listed out with deposit and loan trending charts.
Customer Map ?
The Customer Map report is a heat map that will show customer counts by state, county, and city to know where your customers are.
Customers have a very “simple” request that their transactions are completed quickly, accurately, and appropriately. Those requests involve a myriad of branches, managers, employees, software systems, budgeting, scheduling, IT availability, feedback, and mother nature… just to name a few. Consumer or commercial, public or private, regional or national – every financial institution’s banking operations has varying needs and involves many people, processes, and data points.
JOHO OneSource™ helps your Ops team:
- Better understand and manage nearly every aspect of your business
- Report on actual vs. goal performance and identify who’s doing well or what’s not working
- Encourage accountability and responsibility through detailed tactical reporting and oversight
Here are just a few report examples for Operations:
Operations Budget ?
The Operations Budget report includes a crosstab of budget amounts by branch and by date. It allows you to filter by budget names, branch names, budget year, and budget version. It also charts out each branch budget by month. *This report is only applicable if JOHO is pulling in budget data.
Deposit Dashboard ?
The Deposit Dashboard contains charts showing count (#) of deposit accounts by application and status along with amounts ($) by application. It also contains a table that includes # accounts, total balance, and average interest rate grouped by product. This dashboard has drill to detail functionality.