Analyzing Your Bank's Financial Statement Seminar - Virtual

Financial Crime Square

Nov 16, 2022

Analyzing Your Bank's Financial Statement Seminar - Virtual

Understanding the financial performance of your bank is crucial in leading a high performing organization. This course assesses how the marketplace is affecting the bank and how bank management is in turn responding. One must understand this relationship to create accurate financial statements.

By understanding the linkage between the bank balance sheet and income statement, monitoring key measurements in the bank as well as the decisions that management is making in response to the economic marketplace, we can effectively assess the strengths and weaknesses in our bank.

Once these interrelationships are understood, participants will walk through the CAMELS Rating to predict where their bank may score. Lastly, we will look at a way to create future budgets using the starting point of the Return on Assets.

This is a foundational class that does require experience in understanding financial statements, particularly experience in reviewing income statements, balance sheets and basic ratio analysis. It is most helpful for those either in bank management, on a bank board or aspiring to future leadership roles in the bank.

Participants will:

  • Complete a pre-session assignment that reviews your bank's financial statements to get a feel for the condition of the bank.
  • Discuss the existing marketplace, and the impacts they are currently seeing, as well as management's approaches to addressing the impacts.
  • Review the Balance Sheet and Income Statement of a bank to build an expectation of the interrelationships that exist in financial institution statements.
  • Measure and set key financial statement ratios to assess the condition of the bank as well as to understand what decisions will be required to improve the performance of the bank.
  • Apply information from the financial statements to build a CAMELS Rating for your bank
  • Be exposed to building an annual budget with an ROA Tree model.

Wednesday, Nov. 16

All times stated are Central Time.

Event Start Time: 9:00 a.m.
Event End Time: 4:30 p.m.

9:00 a.m. - Noon
Overview of marketplace and group discussion
The balance sheet and income statement and what they reveal
How key financial ratios point to strengths and weakness

Noon to 12:30 p.m.

12:30 p.m. - 4:00 p.m.
How to build a CAMELS rating for your bank
Using the ROA Tree Model to build your budget

ICBA Member Early-Bird: $395
ICBA Member after October 12, 2022: $495
Non-Member: $595
Non-Banker: $695
Bank Director Program: $395
Bank Director Program Non-Member: $395

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

8

brad stevens
Brad Stevens

Stevens Risk Management LLC

Who Should Attend: Recommended for credit analysts, underwriters and commercial bankers of all levels  
Prerequisites: None
Advanced Preparation: This is the foundational class that does require experience in understanding financial statements, basic loan structuring as well as credit analysis skills.
Program Level: Intermediate 
Field of Study: Commercial lending
Delivery Method: Group Internet Based
 

REGISTRATION CANCELLATION
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 once the bank has received event materials or 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.

CONSENT TO USE OF PHOTOS & VIDEO CONTENT
Registration, attendance, or participation in an ICBA event constitutes an agreement by the participant to ICBA’s use and distribution (both now and in the future) of the participant’s image and/or voice in photographs, videos, digital media, electronic reproductions and audio files/recordings of and at such events and activities.

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.