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Primary Screens
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DOUBLE COLUMN BALANCE SHEET
Country Banker’s balance sheet contains many exciting features. The double
column balance sheet shows cost and market values side-by-side, so that
you can immediately see both values for assets and liabilities. From
the balance sheet you can access any individual schedule to input,
change, add or delete data. The three ways to access a schedule are by: clicking
the numbered buttons on the right side of the market value column, clicking
the appropriate tab at the top of the screen (once the schedule has been opened),
and using the Schedule dropdown list.
At the top of each screen in Country Banker there are three icons. These
allow you to access the Balance Sheet, Income Statement, Ratios/Scorecard,
and Owner’s Equity (the button will not appear for the screen that you are
currently in). Moving between areas of the program is only a click away!
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SCHEDULE 9 – FARM MACHINERY & EQUIPMENT
The schedules on our balance sheet contain clear, easy-to-understand data
entry fields. Schedule 9 is an example of an asset schedule in the program. This
schedule is specifically for Farm Machinery and Equipment. Fields such as
Description, Year, Make, Model, SN#ID, Condition, Actual Cost, Accumulated
Depreciation, and Fair Market Value make up this schedule. You can customize
packets by choosing how many years of history to show for Accumulated Depreciation
and Fair Market Value fields.
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SCHEDULE 5 – GRAIN & FEED
Schedule 5 is another asset schedule in Country Banker. To enter data
you simply add a row and start typing! Maneuvering in the program is
straight-forward and has the ease of use of a spreadsheet. The program
functions like a spreadsheet yet is powered by a database. Fields such
as ‘Unit’ contain dropdown lists which can be edited to your liking.
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ACCRUAL INCOME STATEMENT
The accrual income statement shows Revenues, Expenses, and Adjustments
in an easy to read format. After entering two years’ worth of balance
sheets the adjustments calculate automatically! All you need to do is
enter the cash revenues and expenses from a Schedule F, 1040 Tax Return,
enter minimal information from your customer, and the Accrual Income
Statement is complete!
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SCORE CARD
Country Banker’s score card contains many exciting features. It can
be customized to use any of the available ratios you desire to calculate
the customer’s score. You can include as many or as few of the ratios
in the actual scoring as you choose! The Score Card Credit Pricing
Matrix allows you to price customer loans based on the overall credit
score that is calculated by the system.
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RATIOS – EFFICIENCY TAB
On the Ratio Schedules you can easily see the calculations from
customer’s financial data. The Efficiency Tab is one example of a
ratio schedule. When you place your cursor over a cell, the text
in it will expand revealing an explanation of the ratio calculation. This
helps to familiarize users with the calculations as well as in educating customers.
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