Excel Balance Sheet Pdf 32315 | Ami Monthly Financial Report Pc

Partial file snippet.

Sheet 1: Instructions

	
	
		With your balance sheet and income statement, complete the spreadsheet. Before each network meeting, you will need to add one or two columns of numbers. Your most recent year end (obviously you'll only add this once a year) and the month prior to your network meeting (Spring or Fall). For the year, use either a calendar year or fiscal year, depending on your legal status. Full time employees are employees on your payroll at year-end and month-end. Benchmarks and ratios will automatically be calculated.
	
	
		

	
	
		Benchmarks
	
	
		

	
	
		Payroll - 55% tp 60% of AGI
	
	
		Overhead Expenses - 20% to 25% of AGI
	
	
		Net Profit - 20% before profit sharing and taxes
	
	
		Total of Paroll and Overhead Expenses - no more than 80%
	
	
		Salary per full time employee - no set amount, trend to watch
	
	
		AGI per full time employee - $100,000
	
	
		AGI as a % of sales - review your business model and watch the trend
	
	
		

	
	
		Ratios
	
	
		

	
	
		Working Capital - short-term resources to meet stresses of high growth or unexpected circumstances. Larger the better.
	
	
		

	
	
		Current Ratio:  2:1 Liquidity ratio
	
	
		

	
	
		Receivables Turn - Higher the better, a low number may show a cash drain
	
	
		

	
	
		Debt to Equity - Leverages ratio the higher the ratio the more risk in the agency. Low ratio conservative agency not realizing potential.
	
	
		

	
	
		Debt to Working Capital - Needs to be a positive number to show ability to meet obligations.
	
	
		

	
	
		Return on Equity - Best bottom-line test of company profitibility. First ratio lenders look at. Check trend over time.
	



Sheet 2: Example

	
	
	
	
	
	
	
	
	
	
	
	
	
	
	
	
		Sample Company
		Data examples
		

		

		

		

		

		

		

		Sample Company
		Data examples
		

		

		

		

		

		

		

	
	
		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

	
	
		

		Previous Year
		Previous
		

		

		

		

		

		

		

		

		

		

		

		

		

		Current Year
		Current
	
	
		

		Goal
		Year End
		January
		February
		March
		April
		May
		June
		

		July
		August
		September
		October
		November
		December
		Goal
		Year End
	
	
		 FROM YOUR INCOME STATEMENT 
		

		

		

		

		

		

		

		

		 FROM YOUR INCOME STATEMENT 
		

		

		

		

		

		

		

		

	
	
		 Revenue/Billings 
		 $2,000,000 
		 $1,900,000 
		 $200,000 
		 $205,000 
		 $200,000 
		 $200,000 
		 $205,000 
		 $200,000 
		 Revenue/Billings 
		 $200,000 
		 $205,000 
		 $200,000 
		 $200,000 
		 $205,000 
		 $200,000 
		 $2,000,000 
		 $1,900,000 
	
	
		 Cost of Goods/Services 
		 600,000 
		 810,000 
		 77,000 
		 78,000 
		 77,000 
		 77,000 
		 78,000 
		 77,000 
		 Cost of Goods/Services 
		 77,000 
		 78,000 
		 77,000 
		 77,000 
		 78,000 
		 77,000 
		 600,000 
		 810,000 
	
	
		 Adjusted Gross Income 
		 $1,400,000 
		 $1,090,000 
		 $123,000 
		 $127,000 
		 $123,000 
		 $123,000 
		 $127,000 
		 $123,000 
		 Adjusted Gross Income 
		 $123,000 
		 $127,000 
		 $123,000 
		 $123,000 
		 $127,000 
		 $123,000 
		 $1,400,000 
		 $1,090,000 
	
	
		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

	
	
		 Payroll / Salary Expense / Includes Taxes & Benefits 
		 770,000 
		 770,000 
		 66,000 
		 65,000 
		 66,000 
		 66,000 
		 66,000 
		 65,000 
		 Payroll / Salary Expense / Includes Taxes & Benefits 
		 66,000 
		 65,000 
		 66,000 
		 66,000 
		 66,000 
		 795,000 
		 770,000 
		 770,000 
	
	
		 Overhead Expense and Other Income/Expense 
		 325,000 
		 300,000 
		 26,000 
		 29,000 
		 26,000 
		 26,000 
		 29,000 
		 30,000 
		 Overhead Expense and Other Income/Expense 
		 26,000 
		 29,000 
		 26,000 
		 26,000 
		 29,000 
		 350,000 
		 325,000 
		 300,000 
	
	
		 Total Payroll and Overhead Expenses 
		 $1,095,000 
		 1,070,000 
		 92,000 
		 94,000 
		 $92,000 
		 92,000 
		 95,000 
		 $95,000 
		 Total Payroll and Overhead Expenses 
		 92,000 
		 94,000 
		 $92,000 
		 92,000 
		 95,000 
		 $1,145,000 
		 $1,095,000 
		 1,070,000 
	
	
		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

	
	
		 Net Profit / Earnings Before Taxes (EBIT) AGI$ minus Expenses 
		 $305,000 
		 $20,000 
		 $31,000 
		 $33,000 
		 $31,000 
		 $31,000 
		 $32,000 
		 $28,000 
		 Net Profit / Earnings Before Taxes (EBIT) AGI$ minus Expenses 
		 $31,000 
		 $33,000 
		 $31,000 
		 $31,000 
		 $32,000 
		 $(1,022,000)
		 $305,000 
		 $20,000 
	
	
		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

	
	
		  Full time employees (FTE) 
		10
		10
		10
		10
		10
		10
		10
		10
		  Full time employees (FTE) 
		10
		10
		10
		10
		10
		10
		10
		10
	
	
		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

	
	
		 FROM YOUR BALANCE SHEET 
		

		

		

		

		

		

		

		

		 FROM YOUR BALANCE SHEET 
		

		

		

		

		

		

		

		

	
	
		 Current Assets 
		 250,000 
		 260,000 
		 267,000 
		 280,000 
		 250,000 
		 267,000 
		 280,000 
		 250,000 
		 Current Assets 
		 267,000 
		 280,000 
		 250,000 
		 267,000 
		 280,000 
		 250,000 
		 250,000 
		 260,000 
	
	
		 Fixed Assets 
		 125,000 
		 125,000 
		 132,000 
		 130,000 
		 130,000 
		 132,000 
		 130,000 
		 130,000 
		 Fixed Assets 
		 132,000 
		 130,000 
		 130,000 
		 132,000 
		 130,000 
		 130,000 
		 125,000 
		 125,000 
	
	
		 Total Assets 
		 $375,000 
		 $385,000 
		 $399,000 
		 $410,000 
		 $380,000 
		 $399,000 
		 $410,000 
		 $380,000 
		 Total Assets 
		 $399,000 
		 $410,000 
		 $380,000 
		 $399,000 
		 $410,000 
		 $380,000 
		 $375,000 
		 $385,000 
	
	
		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

	
	
		 Current Liabilities - (amount due in the next 12 months) 
		 100,000 
		 100,000 
		 102,000 
		 105,000 
		 100,000 
		 102,000 
		 105,000 
		 100,000 
		 Current Liabilities - (amount due in the next 12 months) 
		 102,000 
		 105,000 
		 100,000 
		 102,000 
		 105,000 
		 100,000 
		 100,000 
		 100,000 
	
	
		 Long-Term Liabilities - (amount due after the next 12 months 
		 120,000 
		 120,000 
		 100,000 
		 115,000 
		 112,000 
		 100,000 
		 108,000 
		 105,000 
		 Long-Term Liabilities - (amount due after the next 12 months 
		 100,000 
		 115,000 
		 112,000 
		 100,000 
		 108,000 
		 105,000 
		 120,000 
		 120,000 
	
	
		 Total Liabilities 
		 $220,000 
		 $220,000 
		 $202,000 
		 $220,000 
		 $212,000 
		 $202,000 
		 $213,000 
		 $205,000 
		 Total Liabilities 
		 $202,000 
		 $220,000 
		 $212,000 
		 $202,000 
		 $213,000 
		 $205,000 
		 $220,000 
		 $220,000 
	
	
		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

	
	
		 Working Capital (Current Assets minus Current Liabilities) 
		 $150,000 
		 $160,000 
		 $165,000 
		 $175,000 
		 $150,000 
		 $165,000 
		 $175,000 
		 $150,000 
		 Working Capital (Current Assets minus Current Liabilities) 
		 $165,000 
		 $175,000 
		 $150,000 
		 $165,000 
		 $175,000 
		 $150,000 
		 $150,000 
		 $160,000 
	
	
		 Equity (Total Assets minus Total Liablities) 
		 $155,000 
		 $165,000 
		 $197,000 
		 $190,000 
		 $168,000 
		 $197,000 
		 $197,000 
		 $175,000 
		 Equity (Total Assets minus Total Liablities) 
		 $197,000 
		 $190,000 
		 $168,000 
		 $197,000 
		 $197,000 
		 $175,000 
		 $155,000 
		 $165,000 
	
	
		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

	
	
		  Accounts Receivable 
		 $105,000 
		 $100,000 
		 $85,000 
		 $100,000 
		 $102,000 
		 $85,000 
		 $90,000 
		 $105,000 
		  Accounts Receivable 
		 $85,000 
		 $100,000 
		 $102,000 
		 $85,000 
		 $90,000 
		 $105,000 
		 $105,000 
		 $100,000 
	
	
		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

		

	
	
		 BENCHMARKS 
		

		

		

		

		

		

		

		

		 BENCHMARKS 
		

		

		

		

		

		

		

		

	
	
		 Payroll as a % of AGI$
		55.0%
		70.6%
		53.7%
		51.2%
		53.7%
		53.7%
		52.0%
		52.8%
		 Payroll as a % of AGI$
		53.7%
		51.2%
		53.7%
		53.7%
		52.0%
		646.3%
		55.0%
		70.6%
	
	
		 Overhead as a % of AGI$
		23.2%
		27.5%
		21.1%
		22.8%
		21.1%
		21.1%
		22.8%
		24.4%
		 Overhead as a % of AGI$
		21.1%
		22.8%
		21.1%
		21.1%
		22.8%
		284.6%
		23.2%
		27.5%
	
	
		 EBIT as a % of AGI$
		21.8%
		1.8%
		25.2%
		26.0%
		25.2%
		25.2%
		25.2%
		22.8%
		 EBIT as a % of AGI$
		25.2%
		26.0%
		25.2%
		25.2%
		25.2%
		-830.9%
		21.8%
		1.8%
	
	
		 Salary Cost per FTE$
		 $77,000 
		 $77,000 
		 $6,600 
		 $6,500 
		 $6,600 
		 $6,600 
		 $6,600 
		 $6,500 
		 Salary Cost per FTE$
		 $6,600 
		 $6,500 
		 $6,600 
		 $6,600 
		 $6,600 
		 $79,500 
		 $77,000 
		 $77,000 
	
	
		 AGI per FTE$
		 $140,000 
		 $109,000 
		 $12,300 
		 $12,700 
		 $12,300 
		 $12,300 
		 $12,700 
		 $12,300 
		 AGI per FTE$
		 $12,300 
		 $12,700 
		 $12,300 
		 $12,300 
		 $12,700 
		 $12,300 
		 $140,000 
		 $109,000 
	
	
		 AGI as % of sales
		70.0%
		57.4%
		61.5%
		62.0%
		61.5%
		61.5%
		62.0%
		61.5%
		 AGI as % of sales
		61.5%
		62.0%
		61.5%
		61.5%
		62.0%
		61.5%
		70.0%
		57.4%
	
	
		RATIOS
		

		

		

		

		

		

		

		

		RATIOS
		

		

		

		

		

		

		

		

	
	
		 Working Capital Ratio (Working Capital / AGI$) 
		 0.11 
		 0.15 
		 1.34 
		 1.38 
		 1.22 
		 1.34 
		 1.38 
		 1.22 
		 Working Capital Ratio (Working Capital / AGI$) 
		 1.34 
		 1.38 
		 1.22 
		 1.34 
		 1.38 
		 1.22 
		 0.11 
		 0.15 
	
	
		 Current Ratio (Current Assets divided by Current Liabilities) 
		 2.50 
		 2.60 
		 2.62 
		 2.67 
		 2.50 
		 2.62 
		 2.67 
		 2.50 
		 Current Ratio (Current Assets divided by Current Liabilities) 
		 2.62 
		 2.67 
		 2.50 
		 2.62 
		 2.67 
		 2.50 
		 2.50 
		 2.60 
	
	
		 Receivable turn 
		 19.05 
		 19.00 
		 2.35 
		 2.05 
		 1.96 
		 2.35 
		 2.28 
		 1.90 
		 Receivable turn 
		 2.35 
		 2.05 
		 1.96 
		 2.35 
		 2.28 
		 1.90 
		 19.05 
		 19.00 
	
	
		 Debt to Equity 
		 1.42 
		 1.33 
		 1.03 
		 1.16 
		 1.26 
		 1.03 
		 1.08 
		 1.17 
		 Debt to Equity 
		 1.03 
		 1.16 
		 1.26 
		 1.03 
		 1.08 
		 1.17 
		 1.42 
		 1.33 
	
	
		 Debt to Working Capital 
		 1.47 
		 1.38 
		 1.22 
		 1.26 
		 1.41 
		 1.22 
		 1.22 
		 1.37 
		 Debt to Working Capital 
		 1.22 
		 1.26 
		 1.41 
		 1.22 
		 1.22 
		 1.37 
		 1.47 
		 1.38 
	
	
		 Return on Equity 
		 1.97 
		 0.12 
		 0.16 
		 0.17 
		 0.18 
		 0.16 
		 0.16 
		 0.16 
		 Return on Equity 
		 0.16 
		 0.17 
		 0.18 
		 0.16 
		 0.16 
		 (5.84)
		 1.97 
		 0.12

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...Sheet instructions with your balance and income statement complete the spreadsheet before each network meeting you will need to add one or two columns of numbers most recent year end obviously ll only this once a month prior spring fall for use either calendar fiscal depending on legal status full time employees are payroll at yearend monthend benchmarks ratios automatically be calculated tp agi overhead expenses net profit sharing taxes total paroll no more than salary per employee set amount trend watch as sales review business model working capital shortterm resources meet stresses high growth unexpected circumstances larger better current ratio liquidity receivables turn higher low number may show cash drain debt equity leverages risk in agency conservative not realizing potential needs positive ability obligations return best bottomline test company profitibility first lenders look check over example sample data examples previous goal january february march april june july august ...

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Sample Company	Data examples								Sample Company	Data examples

	Previous Year	Previous														Current Year	Current
	Goal	Year End	January	February	March	April	May	June		July	August	September	October	November	December	Goal	Year End
FROM YOUR INCOME STATEMENT									FROM YOUR INCOME STATEMENT
Revenue/Billings	$2,000,000	$1,900,000	$200,000	$205,000	$200,000	$200,000	$205,000	$200,000	Revenue/Billings	$200,000	$205,000	$200,000	$200,000	$205,000	$200,000	$2,000,000	$1,900,000
Cost of Goods/Services	600,000	810,000	77,000	78,000	77,000	77,000	78,000	77,000	Cost of Goods/Services	77,000	78,000	77,000	77,000	78,000	77,000	600,000	810,000
Adjusted Gross Income	$1,400,000	$1,090,000	$123,000	$127,000	$123,000	$123,000	$127,000	$123,000	Adjusted Gross Income	$123,000	$127,000	$123,000	$123,000	$127,000	$123,000	$1,400,000	$1,090,000

Payroll / Salary Expense / Includes Taxes & Benefits	770,000	770,000	66,000	65,000	66,000	66,000	66,000	65,000	Payroll / Salary Expense / Includes Taxes & Benefits	66,000	65,000	66,000	66,000	66,000	795,000	770,000	770,000
Overhead Expense and Other Income/Expense	325,000	300,000	26,000	29,000	26,000	26,000	29,000	30,000	Overhead Expense and Other Income/Expense	26,000	29,000	26,000	26,000	29,000	350,000	325,000	300,000
Total Payroll and Overhead Expenses	$1,095,000	1,070,000	92,000	94,000	$92,000	92,000	95,000	$95,000	Total Payroll and Overhead Expenses	92,000	94,000	$92,000	92,000	95,000	$1,145,000	$1,095,000	1,070,000

Net Profit / Earnings Before Taxes (EBIT) AGI$ minus Expenses	$305,000	$20,000	$31,000	$33,000	$31,000	$31,000	$32,000	$28,000	Net Profit / Earnings Before Taxes (EBIT) AGI$ minus Expenses	$31,000	$33,000	$31,000	$31,000	$32,000	$(1,022,000)	$305,000	$20,000

Full time employees (FTE)	10	10	10	10	10	10	10	10	Full time employees (FTE)	10	10	10	10	10	10	10	10

FROM YOUR BALANCE SHEET									FROM YOUR BALANCE SHEET
Current Assets	250,000	260,000	267,000	280,000	250,000	267,000	280,000	250,000	Current Assets	267,000	280,000	250,000	267,000	280,000	250,000	250,000	260,000
Fixed Assets	125,000	125,000	132,000	130,000	130,000	132,000	130,000	130,000	Fixed Assets	132,000	130,000	130,000	132,000	130,000	130,000	125,000	125,000
Total Assets	$375,000	$385,000	$399,000	$410,000	$380,000	$399,000	$410,000	$380,000	Total Assets	$399,000	$410,000	$380,000	$399,000	$410,000	$380,000	$375,000	$385,000

Current Liabilities - (amount due in the next 12 months)	100,000	100,000	102,000	105,000	100,000	102,000	105,000	100,000	Current Liabilities - (amount due in the next 12 months)	102,000	105,000	100,000	102,000	105,000	100,000	100,000	100,000
Long-Term Liabilities - (amount due after the next 12 months	120,000	120,000	100,000	115,000	112,000	100,000	108,000	105,000	Long-Term Liabilities - (amount due after the next 12 months	100,000	115,000	112,000	100,000	108,000	105,000	120,000	120,000
Total Liabilities	$220,000	$220,000	$202,000	$220,000	$212,000	$202,000	$213,000	$205,000	Total Liabilities	$202,000	$220,000	$212,000	$202,000	$213,000	$205,000	$220,000	$220,000

Working Capital (Current Assets minus Current Liabilities)	$150,000	$160,000	$165,000	$175,000	$150,000	$165,000	$175,000	$150,000	Working Capital (Current Assets minus Current Liabilities)	$165,000	$175,000	$150,000	$165,000	$175,000	$150,000	$150,000	$160,000
Equity (Total Assets minus Total Liablities)	$155,000	$165,000	$197,000	$190,000	$168,000	$197,000	$197,000	$175,000	Equity (Total Assets minus Total Liablities)	$197,000	$190,000	$168,000	$197,000	$197,000	$175,000	$155,000	$165,000

Accounts Receivable	$105,000	$100,000	$85,000	$100,000	$102,000	$85,000	$90,000	$105,000	Accounts Receivable	$85,000	$100,000	$102,000	$85,000	$90,000	$105,000	$105,000	$100,000

BENCHMARKS									BENCHMARKS
Payroll as a % of AGI$	55.0%	70.6%	53.7%	51.2%	53.7%	53.7%	52.0%	52.8%	Payroll as a % of AGI$	53.7%	51.2%	53.7%	53.7%	52.0%	646.3%	55.0%	70.6%
Overhead as a % of AGI$	23.2%	27.5%	21.1%	22.8%	21.1%	21.1%	22.8%	24.4%	Overhead as a % of AGI$	21.1%	22.8%	21.1%	21.1%	22.8%	284.6%	23.2%	27.5%
EBIT as a % of AGI$	21.8%	1.8%	25.2%	26.0%	25.2%	25.2%	25.2%	22.8%	EBIT as a % of AGI$	25.2%	26.0%	25.2%	25.2%	25.2%	-830.9%	21.8%	1.8%
Salary Cost per FTE$	$77,000	$77,000	$6,600	$6,500	$6,600	$6,600	$6,600	$6,500	Salary Cost per FTE$	$6,600	$6,500	$6,600	$6,600	$6,600	$79,500	$77,000	$77,000
AGI per FTE$	$140,000	$109,000	$12,300	$12,700	$12,300	$12,300	$12,700	$12,300	AGI per FTE$	$12,300	$12,700	$12,300	$12,300	$12,700	$12,300	$140,000	$109,000
AGI as % of sales	70.0%	57.4%	61.5%	62.0%	61.5%	61.5%	62.0%	61.5%	AGI as % of sales	61.5%	62.0%	61.5%	61.5%	62.0%	61.5%	70.0%	57.4%
RATIOS									RATIOS
Working Capital Ratio (Working Capital / AGI$)	0.11	0.15	1.34	1.38	1.22	1.34	1.38	1.22	Working Capital Ratio (Working Capital / AGI$)	1.34	1.38	1.22	1.34	1.38	1.22	0.11	0.15
Current Ratio (Current Assets divided by Current Liabilities)	2.50	2.60	2.62	2.67	2.50	2.62	2.67	2.50	Current Ratio (Current Assets divided by Current Liabilities)	2.62	2.67	2.50	2.62	2.67	2.50	2.50	2.60
Receivable turn	19.05	19.00	2.35	2.05	1.96	2.35	2.28	1.90	Receivable turn	2.35	2.05	1.96	2.35	2.28	1.90	19.05	19.00
Debt to Equity	1.42	1.33	1.03	1.16	1.26	1.03	1.08	1.17	Debt to Equity	1.03	1.16	1.26	1.03	1.08	1.17	1.42	1.33
Debt to Working Capital	1.47	1.38	1.22	1.26	1.41	1.22	1.22	1.37	Debt to Working Capital	1.22	1.26	1.41	1.22	1.22	1.37	1.47	1.38
Return on Equity	1.97	0.12	0.16	0.17	0.18	0.16	0.16	0.16	Return on Equity	0.16	0.17	0.18	0.16	0.16	(5.84)	1.97	0.12

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