Understanding and Analyzing Bank Financial Statements

Event Details

Understanding and Analyzing Bank Financial Statements

While most commercial entities have a pretty straight forward structure to their financial statements, a banks’ financial statement is completely different. The income statement and balance sheet can be very confusing if not outright intimidating. Even the ratio analysis of a bank is unlike any other entity that is out there.

Participants: This course requires an understanding of financial analysis and access to a lap top computer that can access the FDIC.gov web site. Anyone with experience with at least a year of financial analysis should be able to fully understand the material. It is open to credit analysts, lenders, managers, senior managers, and board members.

In Understanding and Analyzing Bank Financial Statements, we will break down the income statement and balance sheet of your bank into base components, explaining what each account is, what they mean and how they intertwine. This is done in easily understandable terms in a real time environment where your banks financial statements are worked with. You will also be exposed to the various key measurements to determine the strength of your bank. On an application basis the information will be used to compare to your peer banks as well as working through a review of the CAMELS rating system. This is a hands on course that will require a laptop computer and a calculator.

THIS COURSE COVERS:

• Stresses in the Banking industry today and the impact on your financial statementsAn open discussion on the current marketplace
• • A look at how your credit culture will influence the condition of the financial statements
• A comprehensive deconstruction of the balance sheet to determine how it impacts the income statement
• A detailed breakdown of the income statement and why it is structured the way it is
• Working through the key ratio measurements to understand their meaning as well as set expectations and ranges where they should be
• Fully describing and defining the measures to assess the CAMELS rating system

ITEMS TO BRING: Pencils and Calculator. Fully charged laptop (Outlet may not be available)

PRESENTER: Brad Stevens is the principal at Stevens Risk Management, LLC. He is a recognized premier credit trainer nationwide serving the banking industry in all fifty states. Brad has been leading the credit industry as an analyst, commercial banker, Senior Credit Officer, nationwide trainer and consultant for over 35 years. During his banking career he worked with community banks, regional banks and a large national bank building strong credit portfolios at each stop he made. As a Senior Credit Officer his expertise was in turning around banks that had fallen into significant credit distress. He worked to turn around the banks by instilling a clear credit culture, strong credit policies, training programs as well as setting up a workout staff to manage the worst of the credits. He is a firm believer in making banking better and the training philosophy of Bankers Training Bankers.

Brad has an MBA in Finance from the University of St. Thomas and is a graduate of the Graduate School of Banking at the University of Wisconsin, Madison and a graduate of the Oklahoma Commercial Banking School. For more information visit Stevens Risk Management LLC and contact Brad at Brad.Stevens@SRMALLC.net.

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.

 

Contact For More Information

Brenda Ryan
RMA Minnesota Chapter Administrator
RMAmn@outlook.com / 763-486-7219

Cancelation Policy

COURSE CANCELLATION POLICY: Cancellations (and no-shows) will 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-Minnesota/Local course (prior to 8/31/25), but must notify the chapter administrator notice 4 business days prior to course date.  Substitution is allowed, however any difference in the applicable registration fee will be requested based on replacement’s current affiliation status.