Financial Statement Analysis Seminar

Community Banking Square

Financial Statement Analysis Seminar

May 15, 2024 | Livestream Seminar

Assessing creditworthiness of a borrower is about information. This course focuses 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. 

Through practical applications for the community bank, learn how you can make a positive impact on your bank's bottom line and improve loan decision making.

Learning Objectives:

  • Review accounting principles and financial statement construction.

  • Discuss necessary reclassification of income on financial statements.

  • Become familiar with the Financial Analysis Process.

  • Review key financial ratios used to assess borrower performance.

Use the discount code MULTI_CFSA and receive $100 off when you register for both the Financial Statement Analysis and Cash Flow Analysis sessions!

Information (Central Time unless otherwise noted)
Wednesday, May 15

8:30 a.m. - 12:00 p.m.

  • Key Credit Risk Concepts

  • Commercial Credit Risk

  • Risk Assessment – Quantitative to Qualitative

  • Credit Risk Focus

  • PFS Analysis

  • Tax Return Analysis

  • Personal Cash Flow

12:00 p.m.- 12:30 p.m.


12:30 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 Price (Ends April 15, 2024): $395

ICBA Members: $495

Non-Members: $595

Non-Banker* : $695

Use the discount code MULTI_CFSA and receive $100 off when you register for both the Financial Statement Analysis and Cash Flow Analysis Seminars!

Printable Registration Form

*Attendance may be subject to ICBA approval.

Attendance/Cancellation Policy:

  • Registration fee is valid only for the individual registered. Each attendee must register.
  • Full payment is required prior to event attendance.
  • 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.
  • All rights are reserved by ICBA. No recording or distribution of the content is permitted unless expressly agreed by ICBA.

This event is not recorded. For more information, call 800-422-7285.

Livestream Seminar

Upon registration you will receive an email from ICBA confirming your registration, the dates of the event and a calendar invitation for the event. Approximately 1-2 weeks prior to the event start date, you will receive an email from an ICBA representative containing detailed information including event times and the meeting link.

Who should attend: Credit analysts, credit review professionals, lenders, branch managers, and small business lenders.

Prerequisites: Basic knowledge of bank financial statements

Advanced Preparation: None

Program Level: Intermediate

Field of Study: Specialized Knowledge

Delivery Method: Group Live

CPE Credit Hours: 9

brad stevens
Brad Stevens


Stevens Risk Management LLC

Code of Conduct

Registration, attendance, or participation at this event constitutes an agreement to adhere to the ICBA code of conduct and complaint policy. ICBA aims to be welcoming, safe, and inclusive to all participants, with the most varied and diverse backgrounds possible.

As such, The Independent Community Bankers of America (“ICBA” or the “Association”) has adopted a zero-tolerance policy toward all forms of unlawful discrimination and harassment.

Read Full Policy

Suitcasing Policy

Suitcasing is the act of soliciting business by non-exhibiting companies during the event or in other public spaces, including another company's booth, a convention center, or a hotel lobby. It is ICBA event management’s objective to do everything legally possible to protect its exhibitors and community banker attendees from suitcasing.