Financial Statement Analysis

Past Event


All business bankers must be able to assess the financial strengths and weaknesses of their borrowers, because it’s ultimately those strengths and weaknesses that drive their borrowers’ cash flow and repays their debts.

In this one-day seminar, participants will have the opportunity to understand, both intuitively and practically, the four required steps of a financial statement analysis, the questions that must be asked during a financial statement analysis and the analytical tools that must be employed during a financial statement analysis.

The focus of this seminar is on understanding the full meaning of a financial statement statement and the things that must be done in order to perform an in-depth financial statement analysis.


  • The meaning of the phrase “financial statement analysis”
  • The four steps that must be performed during a financial statement analysis
  • The items that should and should not be included in each line of a firm's financial statements
  • The “quality” of each line of a firm's financial statements
  • The preparation quality of a firm's compiled, reviewed, or audited financial statements
  • The important relationships that exist within a firm's financial statements and how to assess those relationships by using traditional ratios and common size analysis

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.

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.

EVENT CANCELLATION 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.




Tuesday, Dec 11, 2018


8:30 am - 5:00 pm


Bell Bank - The Colonnade Building

5500 Wayzata Boulevard
Minneapolis Minnesota 55416