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Financial Statement Analysis

Financial Statement Analysis


Who Should Participate

All business leaders, credit analysts, loan reviewers, lending managers, bank presidents, loan assistants.

Make your attendance count towards your continuing professional education credits! The MBA will provide a certificate of attendance that you may submit to the appropriate advisory board.



The emphasis of this course is on various non-cash-flow analytical techniques. The first portion of the course covers the definition, calculation and interpretation of standard financial ratios. The second portion of the course explains such analytical techniques as trend analysis, common size statements and pro forma statements.

Topics to be covered:

  • The four elements of financial statement analysis
  • Determining what items are included in each line of a firm’s financial statements
    • Income statement rules
    • Balance sheet rules
  • Determining the quality of each line of a firm’s financial statements
    • Informative income statement questions
    • Informative balance sheet questions
  • Determining the preparation quality of a firm’s financial statements
    • Audit standards and issues
    • Review standards and issues
    • Compilation standards and issues
  • Determining the relationship within a firm’s financial statements
    • Traditional ratio analysis
    • Common size analysis


John W. Reik is the founder and president of John Reik & Associates LLC, Business Training and Consulting, which can be found on the web at This Minnesota-based firm, founded in 1980, works primarily with banks and bank trade associations. In addition, John has been a lecturer and Assistant Professor of Finance at the University of Minnesota for over 35 years and spent eight years as the senior credit trainer and manager of Credit and Finance Education for First Bank System [now U.S. Bank.] Previous to his position at the University of Minnesota, John worked as a financial analyst in the Automotive Assembly Division of Ford Motor Company. John is an honors graduate of Purdue University and the University of Minnesota and holds degrees in management, accounting, finance, and law. 

Registration Fee (This fee includes materials, lunch and refreshments)

Member: $295.00
Qualified Non-Member $590.00

Note:  You will be given the option to pay by credit card or to invoice your company during the checkout process.

Dates & Times

March 18, 2020
Check in: 8:45 AM
Program: 9:00 AM - 4:00 PM


Minnesota Bankers Association
8050 Washington Avenue South
Eden Prairie, MN  55344
Click here for directions


Lodging arrangements can be made at: Hyatt Place, Eden Prairie. Click here to make an online reservation, or call 952-944-9700 - dial “0” for the front desk, (Ask for the Minnesota Bankers Association rate of $148.00, plus tax)

Cancellation Policy

The MBA reserves the right to cancel programs due to insufficient enrollment, instructor illness, or other reasons. Participants wishing to cancel must inform the MBA in writing prior to the event. Send cancellation notices to A cancellation fee of 25% of the program cost will be charged for withdrawing, or you may send a substitute. The full program fee will be charged for withdrawing after the event has taken place or a no-show. 

Special Needs

If you have a disability that may affect your participation in this program - or any dietary issues - please send a statement regarding any special needs to at least two weeks prior to the program. We will contact you to discuss accommodations.
3/18/2020 9:00 AM - 4:00 PM
Minnesota Bankers Association 8050 Washington Avenue South Eden Prairie, MN 55344

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