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Income Statement Analysis for Banking and Financial Professionals

Webinar: ID# 1026431
Recorded CD
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Income Statement Analysis for Banking and Financial Professionals
About This Course:
Understanding financial statements is paramount to all banking professionals involved in performing credit and cash flow analysis on prospects and existing borrowing customers. This essentially includes all personnel in the Credit Administration Department of financial institutions.

This information is intended to introduce and strengthen the knowledge and importance of understanding the financial statements with an emphasis on the Income Statement. We will start by defining the purpose of the Income Statement and will proceed to review each account common to most statements so that you can have a deeper understanding of each their meaning.

We will also demonstrate the relationship between the Income Statement and the Balance Sheet and how the Income Statement affects the creation of accounts on the Balance Sheet. This understanding will enhance a banker's ability to interpret the results of ratio analysis and detailed cash flow analysis.

Agenda
  • Review the Accounting Revenue Recognition Assumption to Determine When Revenue Is Realized and Realizable According to Generally Accepted Accounting Principles
  • Learn the Effects of the Cash and Accrual Basis of Accounting on Revenue, Costs and Expenses and the Advantages/Disadvantages of Both Accounting Methods
  • Review the Major Accounts on the Income Statement to Determine What They Represent and How They Are Created
  • Determine the Key Ratios Required to Analyzing the Strength of the Income Statement and Their Ability to Produce Net Income
  • Observe the External Factors That Influences the Accounts on the Income Statement
  • Demonstrate How the Income Statement Is Utilized to Calculate Cash Flow Utilizing the Uniform Cash Analysis Method
  • Review the Various Types of Income Statements to Match the Various Types of Business Operations
  • Illustrate How the Income Statement Is Affected by Various Organization Structures Including Pass-Through Entities and Nonpass-Through Entities in Terms of Taxation
  • Demonstrate the Ability to Predict Expected Levels of Net Profit Margin Based Upon the Type of Business Being Analyzed and Their Ability to Create Value by the Product or Services Being Provided
  • Demonstrate How to Convert an Accrual Basis Income Statement Into a Cash Basis Income Statement Which Is Essentially the Purpose of Cash Flow Analysis
About The Speaker:

Jeffery Johnson, Bankers Insight Group
  • Banking career expands 36 years working for large, regional and community banks
  • He started his career with SunTrust National Bank in Atlanta as a management trainee and progressed to vice president and senior lender for SouthTrust Bank (a large Southeastern Regional Bank) and senior vice president and commercial banking division manager for Citizens Trust Bank of Atlanta (Community Bank)
  • Most of his career has been spent in Credit Administration, Lending (Commercial, Consumer and Real Estate), Business Development, Loan Review, Management and Training & Development; he has managed loan portfolios representing a cross section of loan types including: Large Corporate, High Net Worth Individuals, Middle Market Companies, Small Businesses, Real Estate and Nonprofit Organizations and managed several loan officers with portfolio management responsibilities
  • Now a training professional in the banking industry by leading various seminars covering important topics relating to issues in banking; he teaches actively for twenty-two state banking associations and community banking associations in the United States, Risk Management Association (RMA) and individual banks nationwide
  • Co-wrote a training course entitled “Lending to Service and Other Professional Organizations” for RMA in 2001
  • He led a week long Consumer Lending school for UNI Strategic in Singapore where bankers from Malaysia, Indonesia and Singapore were in attendance in January 2012 and repeated the same program in Kuala, Lumpur in November 2012
  • Was also invited to lead a week long Advanced Commercial Lending & Commercial Loan Documentation in Dubai (United Arab Emirates) hosted by IIR Middle East, a firm specializing in international conferences and seminars
  • In order to stay abreast of issues facing banks, he engages in loan reviews for his client banks; during an engagement, he reviews loans of all sizes to determine creditworthiness; compliance with banking rules and regulations; compliance with the bank’s internal credit policy; accuracy of the loan grade; completeness of the documentation file and other aspects such as portfolio trends, performance and capital adequacy
  • M.B.A degree in finance, John Carroll University in Cleveland, Ohio; Diploma of Graduation from the Prochnow School of Banking at the University of Wisconsin-Madison and a Graduate Certificate in bank management from the First American Management Institute at the University of Pennsylvania’s Wharton School of Business; B.A. degree in accounting, Morehouse College in Atlanta, GA
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Income Statement Analysis for Banking and Financial Professionals
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