Washington Apple PiBANKCALC #1
BANKCALC #1
INFORMATION ABOUT THIS DISK :
BANKCALC was written by Anthony Powers and published by Micro Book,
Inc. of Arlington Heights, Illinois in 1982. It is a collection of 14
VisiCalc models written by community bankers or Banking Industry
Software Houses and contributed to the publication.
According to the Introduction:
The purpose of this book is to provide bank personnel with Visicalc
models which can be used immediately. As the banker gains experience in
VC by using these models, he may wish to use them as a base for developing
his own customized programs.
Note that these models can all be pulled into 3EZ Pieces or Appleworks
and may be of use to the home user in some form or another. We've put them
into the public domain as part of a continuing attempt to make all formerly
commercial Apple /// products (that are not still on the market in some form)
available to the /// community.
NOTE: WHEN LOADING INTO 3EZ PIECES OR APPLEWORKS, LOAD THE DESIRED MODEL AS
A VISICALC FILE RATHER THAN DIF.
We've included Menu.Maker on this disk so that (after you've booted into
Business Basic from another disk or off your hard disk) you can look at these
files or print them if you like. This information file is available in both
Text and 3EZP/Appleworks format as well.
While these models should hold for the present, please be aware that
they all came out in the early 1980s and reflect the situation at that time.
Some of these models may require some changes based on today's realities. As
this is a PD offering, buyer beware takes precidence here. You should find
some of these useful. But there is no implied guarantee that any of these
models as presented will return information accurate for the 1990s.
NOTE #2: THE BOOKS THAT ACCOMPANIED BANKCALC (DISKS 1-2-3) ARE ALL IN THE
WAP OFFICE SHOULD YOU NEED TO REFERENCE THEM.
On Side One of this disk (III.ZAW.07) you'll find the following Visicalc
models:
MANAGEMENT MODELS
-: Model 1: Variance Analysis of Yields
The identification of the causes of month-to-month income
variance of assets.
-: Model 2: Yield Summary
The calculation of monthly yields and costs.
-: Model 3: Rate Sensitive Statement of Condition
A restatement of the Statement of Condition in terms of rate
Sensitivity.
AMORTIZATION MODELS
-: Model 4: Simple Loan Amortization Schedule
-: Model 5: Rate of 78 Amortization Model
A loan amortization schedule with interest calculated using
the rule of 78s.
-: Model 6: Effective Rate Model
Produces a table of effective interest rates resulting from
daily compounding of a nominal interst rate.
-: Model 7: Compound Yield
Creates a table of effective effective annual yields resulting
from daily compounding at a nominal interst rate.
ACCOUNTING MODELS
-: Model 8: Fixed Assets Model
Calculates the depreciation for fixed assets using the
Streight Line Method.
-: Model 9: Accrue Expenses
Accrues expenses over a variable number of months and prepares
monthly journal entries for the expenses.
Side Two
ACCOUNTING MODELS (Continued)
-: Model 10: Charitable Contributions
Maintains a history of donations to specific charaties.
LENDING MODELS
-: Model 11: IRA Calculations
Calculates the value of an IRA Account at retirement.
-: Model 12: IRA Vs. CD
Compares an IRA to a CD investment over the same term, and
prepares an IRA disbursement schedule.
-: Model 13: All Saver CD Yields
Develops the appropriate nominal rate for an All Saver CD,
given the permitted effective rate and frequency of
interest payments.
-: Model 14: Credit Analysis
-: A statement spread program for potential commercial
borrowers which performs a financial analysis on the
borrowers financial statements.
-:
-:
BANKCALC #2
BANKCALC #2
INFORMATION ABOUT THIS DISK :
BANKCALC was written by Anthony Powers and published by Micro Book,
Inc. of Arlington Heights, Illinois in 1982. It is a collection of 14
VisiCalc models written by community bankers or Banking Industry
Software Houses and contributed to the publication.
According to the Introduction:
The purpose of this book is to provide bank personnel with Visicalc
models which can be used immediately. As the banker gains experience in
VC by using these models, he may wish to use them as a base for developing
his own customized programs.
Note that these models can all be pulled into 3EZ Pieces or Appleworks
and may be of use to the home user in some form or another. We've put them
into the public domain as part of a continuing attempt to make all formerly
commercial Apple /// products (that are not still on the market in some form)
available to the /// community.
NOTE: WHEN LOADING INTO 3EZ PIECES OR APPLEWORKS, LOAD THE DESIRED MODEL AS
A VISICALC FILE RATHER THAN DIF.
We've included Menu.Maker on this disk so that (after you've booted into
Business Basic from another disk or off your hard disk) you can look at these
files or print them if you like. This information file is available in both
Text and 3EZP/Appleworks format as well.
While these models should hold for the present, please be aware that
they all came out in the early 1980s and reflect the situation at that time.
Some of these models may require some changes based on today's realities. As
this is a PD offering, buyer beware takes precidence here. You should find
some of these useful. But there is no implied guarantee that any of these
models as presented will return information accurate for the 1990s.
NOTE #2: THE BOOKS THAT ACCOMPANIED BANKCALC (DISKS 1-2-3) ARE ALL IN THE
WAP OFFICE SHOULD YOU NEED TO REFERENCE THEM.
On Side One of this disk (III.ZAW.08) you'll find the following Visicalc
models:
YIELD MODELS
-: Model 1: Commercial Loan Yields
The calculation of monthly yields for all classes of
Commercial Loans.
-: Model 2: Installment Loan Yields
The calculation of monthly yields for all classes of
Installment Loans.
-: Model 3: Real Estate Loan Yields
The calculation of monthly yields for all classes of
Real Estate Loans.
-: Model 4: Money Market Yields
The calculation of monthly yields for all classes of
Money Market Yields.
-: Model 5: Investment Yields
The calculation of monthly yields for all classes of
Investments
-: Model 6: Deposit Costs
The calculation of monthly costs for all classes of
Deposits
-: Model 7: Asset Yields
A monthly management report of all assets and the
monthly yields of earning assets
-: Model 8: Liability Costs
A monthly management report of all liabilities and the
monthly cost of paid liabilities
-: Model 9: Interest Margin
A monthly management report of the spread between earning
assets and paid liabilities
EARNINGS MODEL
-: Model 10: Earnings Projections
A bank earnings model which projects four years of bank
earnings, based upon historical earnings, current
earnings, and a series of earnings assumptions
SIDE TWO
ACCOUNTING MODELS
-: Model 11: Accelerated Cost Recovery
The calculation of depreciation on fixed assets for tax
purposes using the new Accelerated Cost Recovery Guideline
-: Model 12: Budget Income Expense
A monthly comparison between budgeted income and expenses,
and the actual monthly results
-: Model 13: Balance Sheet Budget to Actual
A monthly comparison of the asset and liability monthly
budget with the actual monthly results
-: Model 14: Monthly Rates
The calculation of monthly average rates given a series of
daily rates.
-: Model 15: Income Tax
The calculation of the banks monthly provisions of federal
income taxes
LENDING MODEL
-: Model 16: Mortgage Amortization
The preparation of a mortgage amortization schedule, and the
development of a price for the mortgage based upon the
present value given a bank's desired rate of return
BANKCALC #3
BANKCALC #3
INFORMATION ABOUT THIS DISK :
BANKCALC was written by Anthony Powers and published by Micro Book,
Inc. of Arlington Heights, Illinois in 1983. It is a collection of 8
VisiCalc models written by community bankers or Banking Industry
Software Houses and contributed to the publication.
According to the Introduction:
The purpose of this book is to provide bank personnel with Visicalc
models which can be used immediately. As the banker gains experience in
VC by using these models, he may wish to use them as a base for developing
his own customized programs.
Note that these models can all be pulled into 3EZ Pieces or Appleworks
and may be of use to the home user in some form or another. We've put them
into the public domain as part of a continuing attempt to make all formerly
commercial Apple /// products (that are not still on the market in some form)
available to the /// community.
NOTE: WHEN LOADING INTO 3EZ PIECES OR APPLEWORKS, LOAD THE DESIRED MODEL AS
A VISICALC FILE RATHER THAN DIF.
We've included Menu.Maker on this disk so that (after you've booted into
Business Basic from another disk or off your hard disk) you can look at these
files or print them if you like. This information file is available in both
Text and 3EZP/Appleworks format as well.
While these models should hold for the present, please be aware that
they all came out in the early 1980s and reflect the situation at that time.
Some of these models may require some changes based on today's realities. As
this is a PD offering, buyer beware takes precidence here. You should find
some of these useful. But there is no implied guarantee that any of these
models as presented will return information accurate for the 1990s.
NOTE #2: THE BOOKS THAT ACCOMPANIED BANKCALC (DISKS 1-2-3) ARE ALL IN THE
WAP OFFICE SHOULD YOU NEED TO REFERENCE THEM.
On Side One of this disk (III.ZAW.09) you'll find the following Visicalc
models:
AMORTIZATION MODELS
-: Model 1: Balloon Payment Loan Amortization
The creation of a loan amortization schedule for a simple
interest loan to be repaid monthly with a level payment
plus a balloon payment in the final month
-: Model 2: Interest Only Loan Amortization
The creation of a loan amortization schedule for a simple
interest loan wherein the initial payments are made
to interest only. At a predetermined point, the loan
reverts to level interest and principal payments
CUSTOMER SERVICE MODELS
-: Model 3: Daily Investment Rates
The preparation of a daily schedule for the rates offered
on CDs, IRA's, and Repurchase Agreements. The schedule
also includes effective rates resulting from daily interest
compounding and interest payments over various time periods
-: Model 4: Daily Teller Transaction Count by Hour
The maintenance of teller transaction counts by hour of the
day and day of the week. The model is useful in scheduling
the working hours of tellers
-: Model 5: Account Analysis
The preparation of a bill for services used by commercial
customers on both a fee and excess balance basis
SIDE TWO:
MANAGEMENT MODELS
-: Model 6: Director's Report
The preparation of a monthly set of Director's Reports
including Statement of Condition, Income Statement and a
Key Ratio Report
-: Model 7: Bankers Acceptance
A convenient record maintenance system for the Bankers
Acceptances owned by the bank
-: Model 8: TEFRA
The calculation of tax equivalent yields for municipal
securites under TEFRA, based upon the stated municipal yield
and a series of cost of funds assumptions.
DISK 3AWZ.10
WAP /// SIG PD LIBRARY DISK 3AWZ.10 VIDEO CATALOG: DISK 1 This disk contains a 3EZ Pieces/Appleworks Video Database of movies. You can expand as you like, add comments to current entries or delete those you have no interest in. Side One has two files covering movies from 1) A-G and 2) H-K. Side Two has one file covering movies from L-P This disk in NOT self-booting and requires 3EZ Pieces of Appleworks to use.
DISK 3AWZ.11
WAP /// SIG PD LIBRARY DISK 3AWZ.11 VIDEO CATALOG: DISK 2 This disk continues with a 3EZ Pieces/Appleworks Video Database of movies. You can expand as you like, add comments to current entries or delete those you have no interest in. Side One has one file covering movies from Q-T Side Two has one file covering movies from U-Z This disk in NOT self-booting and requires 3EZ Pieces of Appleworks to use.
DISK 3AWZ.12-15
WAP /// SIG PUBLIC DOMAIN LIBRARY
DISKS 3AZW.12-15 : PARISHWORKS
REQUIRES APPLEWORKS OR 3EZ PIECES
DISK 3AZW-12 SIDE ONE IS SELF BOOTING
These disks have been tried with 3EZ Pieces and all have been shown to load
and work properly. If you have an additional church-related templates
you would like to contribute, we'd love to have them!
Dave Ottalini
July, 1993
ParishWorks
INSTRUCTIONS FOR SPECIFIC TEMPLATES
-----------------------------------
EXP.CHECK.REG: Expanded Check Register
-------------
The Expanded Check Register includes manual calculation. Every
time you want the computer to calculate, press <OPEN APPLE> K.
You can calculate after each check, or you can wait until you
have entered several or all checks before you calculate. <OPEN APPLE> K
can be used as often as needed.
GIVING.DATA and NAMES (Contributions Database)
---------------------
1hese two database files work together for tracking church
contributions. Shared with us by Sharon Rivers of Memphis,
Tennessee. Here's Sharon's guidelines:
One file is used for the collection of weekly tithes and the
other for tither information. To help keep names and amounts
separated there are two databases. The pastor or church
treasurer should be the only ones that have access to that
information. At the end of the year the pastor or treasurer
could issue a statement telling each person what was their tithe
for tax purposes.
On the NAMES database is where the envelope number and name will
be kept. This would be for issuance of the envelopes and to
insure that each family or person in a family has the opportunity
to tithe. This also provides the church officials a means to
track church income to specific areas. Examples would be the
Building Fund, Missionary Programs, Colleges, Disaster Relief,
and other plans based upon the needs and desires of the church.
Also, the NAMES database could be used for mailing out church
letters and flyers as a labels template is included along with
it.
Randomly distribute your envelopes trying not to match up names
with numbers. This can be sorted later by the computer for your
church reports and really doesn't matter. Again the only purpose
it to help keep the church tither's identity a secret from other
church members.
Provided are spare fields for future expansion for your specific
needs.
To facilitate practice with the GIVING.DATA database, you are
provided dummy records. You can sort the information by the date
or by the number of the person doing the tithe. Lets do some
practice reports:
1. To find the tithe for just Nov 20th. Use Open-Apple R to
have Appleworks select on the date required then sort on No
followed by Date to put the database in correct order.
File: Giving.Data
Page 1
Report: Weekly
Selection: Date equals Nov 20 89
Date No Fund 1 Fund 2 Fund 3 Fund 4 Total
--------- ---- ------- ------- ------- ------- -------
Nov 20 89 1001 0.00 20.00 20.00 0.00 40.00
Nov 20 89 1002 25.00 0.00 0.00 15.00 40.00
Nov 20 89 1003 5.00 20.00 20.00 0.00 45.00
Nov 20 89 1004 0.00 25.00 25.00 0.00 50.00
Nov 20 89 1005 0.00 0.00 0.00 20.00 20.00
30.00* 65.00* 65.00* 35.00* 195.00*
You can see all the tithes sorted by the individual number and
totals down each of the funds. You can change the names of the
funds to suit your needs.
2. To have a summarized report for any month. Use Open-Apple R
to have Appleworks select on the month required then sort on
No to put the database in correct order.
File: Giving.Data
Page 1
Report: Monthly
Selection: Date is after Nov 1 89
through Date is before Nov 30 89
Date No Fund 1 Fund 2 Fund 3 Fund 4 Total
--------- ---- ------- ------- ------- ------- -------
Nov 6 89 30.00 65.00 65.00 35.00 195.00
Nov 13 89 30.00 65.00 65.00 35.00 195.00
Nov 20 89 30.00 65.00 65.00 35.00 195.00
Nov 27 89 30.00 65.00 65.00 35.00 195.00
120.00* 260.00* 260.00* 140.00* 780.00*
Now you have a full picture for the month of November. At the
end of the year you can provide to your membership a full list of
their tithes to help them with their tax information by doing
this.
3. To find the tithe for individuals for the year [or any
period] use Open-Apple S to have Appleworks sort on No
followed by Date to put the database in correct order. Then
use Open-Apple R to select on just a single tither like this:
File: Giving.Data
Page 1
Report: Individual
Selection: No equals 1001
Date No Fund 1 Fund 2 Fund 3 Fund 4 Total
--------- ---- ------- ------- ------- ------- -------
Oct 2 89 1001 0.00 20.00 20.00 0.00 40.00
Oct 9 89 1001 0.00 20.00 20.00 0.00 40.00
Oct 16 89 1001 0.00 20.00 20.00 0.00 40.00
Oct 23 89 1001 0.00 20.00 20.00 0.00 40.00
Oct 30 89 1001 0.00 20.00 20.00 0.00 40.00
Nov 6 89 1001 0.00 20.00 20.00 0.00 40.00
Nov 13 89 1001 0.00 20.00 20.00 0.00 40.00
Nov 20 89 1001 0.00 20.00 20.00 0.00 40.00
Nov 27 89 1001 0.00 20.00 20.00 0.00 40.00
0.00* 180.00* 180.00* 0.00* 360.00*
You can now see just how versatile this can be. You can have it
automatically give you the yearly reports by using the Auto
Annual report just by sorting on Date followed by No to put the
database in correct order. The report driver will do the
rest for you.
PAYROLL.REGISTR: Payroll Register
---------------
1. Load the template file, and change the filename (for example:
MasterPayroll)
2. Set up the payroll file for your company:
A. Enter the FIXED DATA (the data that will not change from
payroll period to payroll period): for example, the
Employee # (in both in Payroll Register and the Cumulative
Payroll Report), the Employee Name, the Rate of Pay, and
the fixed deductions (the deductions that do not change
from period to period; for example, the Other A, Other B,
and Other C, if these are fixed).
B. Save the file.
3. To prepare the Payroll Register for each period:
A. Load the most recent payroll file to the screen, and
change the filename to reflect the current payroll
period (for example, Payroll3.15.90).
B. Temporarily MOVE the Cumulative Payroll Report (Rows 58
through 110 at the bottom of the file for the long form)
to the Clipboard:
(1) Move the cell cursor to the beginning of the
Cumulative Payroll Report Row 58.
(2) Enter the MOVE command: <OPEN APPLE> m for move.
(3) From the options listed at the bottom of the
screen, select "To the Clipboard (cut)" by
highlighting the option and pressing <RETURN>.
(4) Identify the material to be moved by using the
<DOWN ARROW> to highlight through Row 110 (the last
line of the Cumulative Report).
(5) <RETURN> to indicate that all of the material to be
moved has been identified.
(6) The computer will warn you that "You are about to clear
or remove protected cells. Do you really want to do
this?"
Select "Yes."
(The Cumulative Payroll Report leaves your screen, but
it is stored safely on the Clipboard, a temporary
storage space provided by AppleWorks. The Report will
remain on the Clipboard until you move it back to the
screen later to complete the Cumulative Payroll
Report--or until you turn off the computer, whichever
comes first.)
C. Enter the number of hours worked for ALL EMPLOYEES.
NOTE: Unless this is the first payroll period for which the file
is used, the file currently contains the number of hours from the
previous period. Change the number of hours worked to the current
period by moving the cell cursor to the cell, typing the current
number of hours, and pressing <RETURN>.
You will note that the computer does not AUTOMATICALLY CALCULATE
the wages--instead, this file has been set up to calculate only
when the CALCULATE command is entered in Step D, which follows.
D. After all employee work hours have been entered, enter
the CALCULATE command--<OPEN APPLE> K for calculate--so
that the computer will automatically calculate the
Regular Pay, Overtime Pay, and Total Wages for all
employees.
E. Using the Total Wages amount and a tax table, look up and
enter the Federal and State Withholding Taxes (and Other
deductions, as needed).
F. Enter the CALCULATE command again, and the computer will
calculate the Net Pay.
G. SAVE the current Payroll Register: <OPEN APPLE> S.
4. To prepare the Cumulative Payroll Report:
A. Change the filename to a cumulative report name (for
example: CumPay13.15.90)
B. Move the Cumulative Payroll Report from the Clipboard:
(1) Move the cell cursor to the beginning of Row 58.
(2) Enter the MOVE command.
(3) From the options listed at the bottom of the screen,
select "From the Clipboard (paste)."
(4) From the options listed, select "Formulas and Values."
The Cumulative Payroll Report now reappears in Rows 58
through 110 of your screen.
C. Enter the CALCULATE command: <OPEN APPLE> K.
The computer automatically adds the current payroll to the
previous Cumulative Payroll Report.
D. Save the file: <OPEN APPLE> S for save.
PETTY.CASH.REG: Petty Cash Register
--------------
1. Each payment is recorded in two columns: the Payments column
and one of the Distribution of Payments columns.
2. After each line is entered in the register, the "Yes" at the
bottom of the screen should have a 1 beside it to signal
that the amounts in the two columns were entered alike.
3. To print the Petty Cash Register WITHOUT the "test" at the
bottom of the file:
A. Move the cell cursor to the line following the double
line.
B. Enter the DELETE command: <OPEN APPLE> D for delete.
C. Select "Rows."
D. Highlight the rows to be deleted, and <RETURN>.
MERGING DATABASES by Robert Ericson
-----------------
"In many applications you will need to merge information from
several different sources. This section provides tips for merging
information from two similar or markedly different database
files. Surprisingly few AppleWorks users even know that this can
be done.
TIP: When you merge records from two different files,
their original category orders must match.
Focus all your attention on the original category orders. From
the Review mode you can press Apple-N to see the original order.
Print a copy of the category names screen of the source file,
then load the destination file. Compare its category names screen
with the hard copy you just printed.
Suppose both files have exactly the same original category
order. To merge the information, follow these steps:
1. Change the name of the Desktop files, just to be safe.
Name the files Source and Destination.
2. Using multiple-record layout, copy the records in the
Source file to the clipboard, then from the clipboard to the
Destination file.
3. Check the multiple-record layout in the Destination file to
make certain that the category information is consistent.
Note that when the information is transferred, the categories
appear in the order of the Destination file's single- and
multiple-record layouts. In the multiple-record layout, the
category widths are those of the Destination file.
You can ignore the single- and multiple-record layouts of the
Source and Destination files until the final check. If they
match, the original category orders may still differ. If their
orders differ before-hand, the Destination file will evaluate
everything in its original category order. Focus all your
attention on the original category orders.
TIP: Two Data Base files can be merged even if they have
different numbers of categories.
Decide what categories you need to transfer from the Source file
to the Destination file. For example, the table below compares
the original category orders of the Everyone list (the Source
file) and the Members list (the Destination file). The categories
are identical through the eighth category, PHONE. The remaining
categories have no value to the Destination file, except for
NOTE, which has information that belongs in the NOTES category in
the Destination file.
------------------------------------------
| Table: Everyone list and Members list |
| categories compared 3 |
| |
| Origin File Destination File |
| |
| FIRST NAME LAST NAME |
| LAST NAME LAST NAME |
| PLACE PLACE |
| STREET STREET |
| TOWN TOWN |
| STATE STATE |
| ZIP ZIP |
| PHONE PHONE |
| NOTE COMMITTEE |
| CODE YEARS |
| KEYWORD 1986 |
| Rl 1987 |
| R2 1988 |
| R3 NOTES |
| R4 RESERVED |
| |
------------------------------------------
You can proceed with the merge almost as in the last tip. Follow
these steps:
1. Change the name of the Desktop files if you have not already
done so. Name the files Source and Destination.
2. Delete all Source file categories after PHONE, except for
NOTE. Don't worry about report formats, because you will
never use this file again.
3. Insert five categories between PHONE and NOTE. Name
them anything, and then return to the multiple-record layout.
4. Copy the records in the Source file to the clipboard, then
from the clipboard to the Destination file.
5. Check the multiple-record layout in the Destination file to
make certain that the category information is consistent.
Note that all the records from the Source file have gained the
additional categories of the Destination file. However, the
Source files have no information in those categories.
The rules for transferring are easy to remember. If the Source
file has more categories than the Destination file, the
additional categories win be lost in the merge. If the Source
file has fewer categories, it will gain the additional categories
of the Destination file, but they will contain no information.
TIP: When the original category orders of two files do not
match, print the records to an ASCII file.
Suppose the Source file categories begin with LAST NAME
and the Destination file categories begin with FIRST NAME.
This presents a problem. In this case, proceed as follows:
1. Create a labels-style report format for the Source file in the
original category order of the Destination file. Count and
make a note of the number of categories in the report.
2. Select the records you want to print.
3. Print the report to an ASCII file.
4. Create a new Data Base file from the ASCII file. Enter the
correct number of categories for the new file.
5. Using multiple-record layout, copy the records in the
Source file to the clipboard, then from the clipboard to the
Destination file.
6. Check the multiple-record layout in the Destination file to
make certain that the category information is consistent.
TIP: Merge files to find duplicate entries.
If you have ever received two copies of a form letter or mis-
takenly sent two copies to the same person, you will appreciate
this technique. It saves postage, paper, and embarrassment.
Suppose you have two mailing lists on separate files. By merging
the records, you can find and delete duplicate entries. Create a
multiple-record layout with FIRST NAME, LAST NAME, STREET, STATE,
ZIP, and PLACE in that order. Arrange the records alphabetically
by first name, then by last name. Scan the LAST NAME column for
duplicate entries. The street address column is the next best
reference point.
If the files are too large to merge, merge sections at a time.
When you find obvious duplication, you may find slightly
different spellings. One spelling of a name may be more plausible
than the other, but such corrections are often matters of
judgment." (Used With Permission)
Robert Ericson: APPLEWORKS TIPS AND TECHNIQUES
(Second Edition) ISBN 0-89588-480-1 $19.95
Symbex Inc.
2021 Challenger Dr. #100
Alameda CA 94501
800-227-2346#
Revised December 27, 1997 lic
Washington Apple Pi
URL: http://www.wap.org/a3/