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Virtual Understanding Bank Performance
Thursday, July 06, 2023, 10:00 AM to Thursday, July 27, 2023, 12:00 PM CDT
Category: SDBA Events

Virtual Understanding Bank Performance

Providing a Strong Foundation for the Next Generation of Bankers

Virtual: July 6-28, 2023

Register Online | View Print Details

Who Should Attend?

Participants will learn how to assess and analyze a bank’s financial performance by working with data from real institutions. Using financial statements from one sample financial institution along with statements from their own banks, participants will become familiar with the ins and outs of balance sheets and income statements and learn how to apply key performance metrics to the data presented in these documents. 

Having learned how to interpret and analyze a bank’s financial statements, participants will gain deeper insight into the factors affecting bank performance. Later sessions in this course will address ways in which performance may be hindered or improved by funding strategies and risk management. Ultimately, participants will be able to review a bank’s financial statements to identify strengths and weaknesses and be able to recommend changes that will lead to improved performance.

In the final session of this course, participants will put what they have learned into practice. Participants will analyze a new data set, rate the bank’s performance and suggest strategic adjustments that might benefit the bank.

Fundamentals of Financial Statements - Part 1

July 6, 2023 • 10:00 a.m. to 12:00 p.m. CT

This session will focus on the basics of a bank’s balance sheet. By analyzing a sample bank balance sheet, participants will demonstrate understanding of the institution’s primary sources of earning assets, funding liabilities and total capital. Participants will practice identifying potential risks and limitations on financial performance, and will leave with an understanding of how leverage, risk management and asset allocation impact earnings and performance.
Session Objectives:
• Develop a clear understanding of the relationship
of how assets, liabilities and capital interrelate
• Describe the different asset classes held by the bank
• Identify primary funding sources
• Understand risk-based capital

Fundamentals of Financial Statements - Part 2

July 7, 2023 • 10:00 a.m. to 12:00 p.m. CT

Participants will analyze a sample bank income statement and relate it to the institution’s balance sheet. This session will address the differences between interest and non-interest income. Participants will learn how to analyze and explain a bank’s overall cost structure based on its balance sheet and income statement. The material covered will empower participants to interpret a bank’s financial statements and understand cash flow on both sides of the balance sheet.
Session Objectives:
• Identify components of a bank’s income statement
• Identify how a bank generates revenue and earnings
• Discuss the major cost drivers
• Connect the balance sheet with the income statement
• Identify how risk management strategies impact
overall performance

Credit Metrics & Credit Quality

July 13, 2023 • 10:00 a.m. to 12:00 p.m. CT

Participants will examine credit metrics looking at typical types of loans, as well as specialized lending and the importance of credit quality. Participants will also examine risks related to asset mix concentrations to assess methods to achieve the greatest return at a given level of risk tolerance.
Session Objectives:
• Understand the ratios that define how a loan portfolio
is performing
• Discuss the pros and cons of different portfolio types
• Identify how risk is quantified and measured
• Explain regulatory limits on portfolio concentrations

Funding & Liquidity

July 14, 2023 • 10:00 a.m. to 12:00 p.m. CT

How efficiently a bank funds its earning assets is one of the single largest determinants of financial performance and is a critical component of an institution’s overall business plan. Participants will examine how funding strategies impact a bank’s overall liquidity and operational costs. Building on key concepts developed in earlier sessions, participants will arrive at a detailed understanding of how banks fund themselves and how various factors come into play in this process.
Session Objectives:
• Develop a clear understanding of liquidity in banks
• Describe how banks manage liquidity
• Discuss funding strategies
• Analyze capital position and the impact it may have on
financial performance

Capital & Bank Investments

July 20, 2023 • 10:00 a.m. to 12:00 p.m.

This session focuses on capital components, strategies, attributes, structure and other factors that drive value. Participants will consider these topics from several different perspectives, first learning the basics and then progressing through increasingly complex analyses of the subjects covered. By considering how a wide array of variables interact with one another to affect performance, participants will arrive at a dynamic understanding of the role of capital in banking.
Session Objectives:
• Develop a clear understanding of capital through
analysis of the balance sheet
• Discuss capital instruments, retained earnings,
dividends, share repurchase
• Identify and discuss the importance of capital ratios,
regulatory requirements and valuation
• Identify shareholder risk in bank investment

Risk & Return

July 21, 2023 • 10:00 a.m. to 12:00 p.m. CT

Financial performance is a function of leverage, earnings, and expenses. As banks make decisions affecting each of these three factors, they also increase or decrease the risk of loss to shareholders and may impact the deposit insurance fund. Participants will gain a broad understanding of risk considerations as they relate to a bank’s financial performance.
Session Objectives:
• Discuss risk management expectations
• Understand various risks to your bank and mitigation
• Apply risk and return examples using scenario-based

Capstone Overview

July 27, 2023 • 10:00 a.m. to 12:00 p.m. CT

The capstone overview session will bring together the core lessons from previous sessions and prepare participants to test their mastery of the topics covered. Key performance indicators will be reviewed and capstone assignment criteria will be shared. Participants will work to prepare their final capstone presentation utilizing a new set of financial statements from a bank not previously considered. Using the information contained in these statements, participants will be expected to assess various aspects of the bank’s performance and make suggestions related to increasing performance and managing risk.
Session Objectives:
• Discuss key performance indicators
• Describe the different asset classes held by the bank
• Describe the bank’s general funding strategy
• Analyze capital position and the impact it may have on

Proforma Capstone

July 28, 2023 • 10:00 a.m. to 12:00 p.m. CT

In this final session, participants will work through an analysis of three financial institutions with recommendations for action, intended benefits and potential risks.

Cost for Program

State banking association members: $1,000 per registrant


Duncan Taylor is the SVP/Chief Operating Officer for the Washington Bankers Association and serves as President of WBA Professional Services, Inc. He is a seasoned association management professional and is also an experienced small business and not-for-profit technology consultant. He’s a third-generation “accidental banker”, as both his mother and grandmother had careers at Washington Mutual. Duncan’s consulting background gives him a unique perspective in understanding and connecting the actions of an institution with the effects and impact it has on customers and stakeholders. He’s also a bank data “nerd” and will happily discuss the ins and outs of your Call Report. Duncan has a breadth of teaching experience, ranging from financial literacy education to capital budget details for Washington State school construction – his specialty is breaking down complex topics into digestible chunks. Duncan is a graduate of Pacific Coast Banking School, holds an ABA Bank Operations Diploma, and is also an alumnus of Highline College’s Political Science program, Western Governor’s University Business Administration and IT Management program, and the Society for Nonprofits Leadership and Management program at Michigan State University.


Participants are required to complete pre-work/homework assignments prior to each session. This prepares students to best understand the topics, challenges them to be proactive in their learning, and to seek out the advice of key individuals within their own institution when needed.

Register online at https://www.bankerscontent.com/july23ubpreg

For more information visit us online at www.wabankers.com/ubp