Enhanced Ratio Analysis II - POSTPONED

Past Event

In light of the current coronavirus pandemic, we are postponing this education course.
Please keep watch for the rescheduled date.

*   *   *   *   *   *   *   *   *   *   *   *   *   *   *   *   *   *   *   *   *


Sometime, ratio analysis, common size analysis, and cash flow analysis still aren’t enough. Sometimes, other analyses are needed.

FOCUS: When and how to apply sustainable growth analysis and multiple versions of break even analysis, as well as when and how to extend Dupont ratio analysis in order to achieve a greater understanding of a company’s core business profitability.


  • The role and importance of sustainable growth analysis.
  • The role and importance of accrual breakeven, cash breakeven, crisis breakeven, cash safety margin, and fully loaded breakeven analysis.
  • The role and importance of advanced Dupont ratio analysis in order to more fully assess core business profitability.

PARTICIPANTS: All business lenders, credit analysts, loan reviewers, lending managers and bank presidents.

INSTRUCTOR: John Reik of John Reik & Associates, a Minnesota based business training and consulting firm. John has presented numerous RMA seminars since 1986 and has been a lecturer and Assistant Professor of Finance at the University of Minnesota for over 40 years. He also was senior trainer and manager of Credit and Finance Education for U.S. Bank for 8 years.

ITEMS TO BRING: Pencils and Calculator.
Note: We are unable to guarantee enough outlets for everyone to charge phones.
Your registration fee includes a box lunch with bottled water.

CERTIFICATE OF ACHIEVEMENT: Survey participation is required to receive a certificate of completion for this course. Please take the time to complete two short surveys; one will be sent immediately after and a second survey will be sent 30 days post-event.



Tuesday, Apr 7, 2020


8:30 am - 5:00 pm


The Colonnade Building

5500 Wayzata Blvd
Golden Valley Minnesota 55416


Cancelation Policy

Cancellations (and no-shows) will be not be refunded unless the instructor cancels the course.  If participant is unable to attend, the registration fee can be applied to a future RMA-MN local course.  Substitutions are allowed as long as the chapter administrator is notified 24 hours prior to the course, however any difference in the applicable registration fee will be requested.