Webinar

Analyzing Business Financial Statements Mandatory 2 Part Series 03/07 & 03/11
This is part 1 of an in-depth series designed to increase your proficiency in the essentials of business financial analysis.

Case study exercises are used throughout to reinforce the principles and techniques learned. For more information about Part 2, Business Cash Flow Analysis on March 21 and 25, please review the brochure for that program.

Part 1 introduces the structure and format of business financial statements, plus the basic ratios and analytical techniques. 

Highlights

March 7 – Financial Statement & Tax Return Basics

Introduction to Business Financial Statements & Tax Returns

  • Basic structure and purposes of business financial statements
  • Compare and contrast the three methods of accounting

How Business Financial Statements and Tax Returns are Constructed (Accounting Refresher)

  • Compare and contrast the cash and accrual method of accounting
  • Construct the following for the same example business:
    • Balance sheet, income statement and statement of cash flows on both the accrual and cash basis
    • Balance sheet (Schedule L), income statement, Schedule M-1 and Schedule M-2 on the cash basis
  • Compare and contrast the differences of the financial performance of an example business (cash vs. accrual vs. cash/income tax basis)

March 11 – Key Ratios and Analytical Techniques

The Basis of Accounting and Type of Statement

  • Key standards, limitations and alternatives within accrual accounting or generally accepted accounting principles (GAAP)
  • Identify where other comprehensive bases of accounting (cash and income tax) are appropriate and not appropriate
  • Identify various levels of accountant-prepared financial statements (compilations, reviews and audits)
  • Explain the importance of interim statements

Ratio Analysis

  • Basic guidelines for classifying and spreading the data
  • Key components of a balance sheet
  • Calculate liquidity and leverage ratios for an example business and interpret the results
  • Identify situations with positive or negative working capital
  • Common-sizing of the balance sheet
  • Key components of an income statement
  • Calculate profitability and traditional cash flow measures for an example business and interpret the results
  • Calculate efficiency and debt coverage ratios for an example business and interpret the results
  • The use of industry and comparative data within financial analysis

Audience

Experienced lenders who need an update or confirmation of their knowledge and skills, lenders just beginning to focus on commercial lending, loan review personnel, credit analysts or any banker looking to significantly develop commercial credit skills will benefit. This program is also highly recommended as an introductory or refresher course for bankers planning to attend a commercial lending school.

Speaker

Richard Hamm has been training bankers for more than 24 years, specializing in all phases of commercial lending and credit: portfolio and risk management, real estate, appraisals, selling and negotiating skills. He has been involved in director training, loan policy formation, bank formation and strategic planning. He owns/operates Advantage Consulting &Training after a 22-year banking career including senior positions in lending and credit.

Credit Information

Institute of Certified Bankers: Visit http://www.icbmembers.org/login.aspx for instructions regarding self-reporting. Estimated credits: 2 hours/session

Pricing

Live Webinar:

Member price: $525.00 | Non member price $1050.00

On-Demand Webinar

Member price: $565.00 | Non member price $1130.00

Registration

Online: Visit the CBA Webinar Catalog

Mail: Click here and mail completed form with check payable to ConferenceEdge to: (Mail at least 10 days prior to event)

ConferenceEdge
1516 Xavier St., Ste 500, Denver, CO 80204

Phone: Call ConferenceEdge at (877) 988-7526 (credit card payments only)

Please Note:

  • Preferred Payment Method: Online
  • Please register online or by phone when paying with a credit card
  • Payment Must Accompany Registration – Invoices are Not Provided

Register online up to day of event. Earlier registration allows time to check your computer for an optimal experience.

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