Financial Statement Analysis Seminar - Virtual 


Apr 6, 2022

Assessing creditworthiness of a borrower is about information. This course will focus on the critical issues arising through preparation of financial statements by the borrower, the role of accountants, the calculation of key ratios, and the use of financial statements in the credit decision process.

Topics include:

  • Review accounting principles and financial statement construction
  • Discuss necessary reclassification of income on financial statements
  • Introduce the Financial Analysis Process
  • Review key financial ratios used to assess borrower performance

Engage in practical application for your community bank.

All times stated are Central Time.

April 6, 2022

8:30 a.m. - Noon         

  • Key Credit Risk Concepts 

  • Commercial Credit Risk 

  • Risk Assessment – Quantitative to Qualitative 

  • Credit Risk Focus 

  • PFS Analysis 

  • Tax Return Analysis 

  • Personal Cash Flow

April 6, 2022

Noon.- 1:00 p.m.    Lunch

April 6, 2022

1:00 p.m.– 4:30 p.m.         

  • Accounting Principles 

  • Financial Statements  

  • Balance Sheet Analysis 

  • Income Statement Analysis 

  • Ratios 

  • Sensitivity Analysis 

  • Risk Assessment Focus

ICBA Member Early-Bird: $395
ICBA Member after March 4, 2022: $495
Non-Member: $595
Non-Banker: $695

NOTE: Registration fee is valid for one connection, only for the individual registered. For more information, call 800-422-7285. Full payment is required prior to attendance.


brad stevens
Brad Stevens

Stevens Risk Management LLC

Program Level: Intermediate

Prerequisites: No previous experience and training necessary.
Delivery Method: Group Internet Based

Printable Registration Form

If registration is cancelled more than 30 days prior to the event start date, you will receive a full refund. If cancellation is within 30 days prior to the event start date, 20 percent of the registration fee paid will be deducted for costs. A substitute registration will be accepted. No refunds will be issued after the event start date.

Attendance at all ICBA programs will be considered on a first come, first served basis. If the program is cancelled, ICBA’s liability is limited to the registration fee. For additional questions contact ICBA at 800-422-7285.

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This live digital course is for educational purposes only and intended only for participants of the class/event. All rights are reserved by ICBA. No recording or distribution of the content is permitted unless expressly agreed to by ICBA.