Basic Financial Statements 

In this Seminar, the following basic financial statement analysis areas will be covered in a cohesive and focused manner: 

• The balance sheet equation
• Understanding the format and structure of the balance sheet
• Defining account titles
• Structure of the income statement
• Relationship between the balance sheet and the income statement
• Learning what to look for and why
• Introduction to ratios and cash flow

The course is taught with a unique approach that avoids focusing on numbers.  It is designed to build skills quickly and provide a sound basis for financial statement analysis.

Purpose

• Financial statements are a summary report of the economic activities of a business
• Financial Statement Analysis is the evaluation of these financial statements
• Only by proper evaluation can a lender indentify  financial strengths and weakness
• Learning to evaluate risk
• Determining borrowing purpose is a function of financial statement analysis
• Understanding the true meaning of financial ratios and what they don’t tell you
• Introduction to cash flow methods and what works

Who should attend:

• Bankers new to the lending function
• Credit analysts, particularly those with limited experience
• Branch managers charged with commercial lending
• Bankers new to the loan review or audit function
• Committee members who do not have financial statement experience
• Anyone in the bank who wants or needs to develop financial statement  understanding
• No accounting training or background is required for this course

Learning Objectives:

• What is the structure of financial statements and why
• What are the key items to look at on the balance sheet and P&L
• Quality of financial information
• Key issues related to asset quality
• Understanding the liability section of the balance sheet.
• Using financial statements to identify borrowing purpose
• Effectively using ratios and cash
• Ratios and cash flows
• How debt service coverage ratio can greatly mislead you
• Identifying financial strengths and weakness

Speaker - Gary D. Maples

President, River Edge Consulting LLC, Sheboygan Falls, Wisconsin

Gary currently provides

• consulting services (in the lending/credit administration areas)
• expert witness services
• and all types of credit training. 

Previously Gary was a District Bank President with thirty years experience in commercial lending, credit analysis, loan and credit administration, loan workouts and bank management.

Other Teaching Experience includes: WI, IA, IL, KS, KT, MI, MN, NY, OH, and PA Bankers Assoc.; KS/NE Schools of Banking;  Pacific Coast Banking School; Stonier Graduate School of Banking; Graduate School of Banking at the UW; Czech and Romanian Banking Institutes; ABA’s National Graduate Lending School.

General Information

A Continental Breakfast and Lunch will be provided.

Attire - Business Casual

  8:30 - 9:00    Registration and Continental Breakfast
  9:00 - 12:00  Seminar
12:00 - 1:00    Lunch
  1:00 - 4:00    Seminar 

Register Now!