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This webinar by Paul J. Sanchez, CPA is designed for all persons who review financial statement for various purposes. The webinar presents and discusses the typical common-size balance sheet and common-size income statement. It shows how to calculate the following metrics and what they really mean: Return on Average Assets, Return on Average Shareholders' Equity, Average Equity to Average Assets, Primary Capital Ratios, Net Charge-Offs to Average Loans, Reserve for Loan Losses to Year-End Loans, Liquidity Ratio (Cash Reserve ÷ Total Deposits), Loan Ratio (Total Loans ÷ Total Deposits), Leverage Ratio (Total Loans ÷
Total Capital), Expense Ratio (Operating Expenses ÷ Operating Income). The speaker also provides the attendees an overall appreciation for the power of these simple ratios and analytical comparisons. The power of the financial statement AP tool is clearly demonstrated in this webinar. Information covered can be immediately put to use by all reviewers of financial statements
Key Learning Objectives- Understanding key financial statement ratios that can be used for specific purposes by bank analysts
- Using tools to detect unusual or, at a minimum, unexpected changes or occurrences
- Comparing and contrasting basic financial statements with common-size financial statements
- Distinguishing between dollar analysis and percentage analysis
- Comprehending the power of common-size financial statements
- Grasping the importance of key ratios
- Capturing the meaning of profitability ratios, capital ratios, asset quality ratios, liquidity ratios, and productivity ratios
- Understanding how to calculate and how to interpret the meaning of the various ratios
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 | Paul J. Sanchez, CPA
President, Professional Service Associates (PSA)
Paul J. Sanchez, CPA, CBA, CFSA, CGMA conducts a small CPA practice in Port Washington, New York. He is also the owner of Professional Service Associates (PSA), a consulting and professional training and development business servicing corporate clients (auditors, controllers, etc.), CPA firms, professional associations and others. | |
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