Calendar

  1. September 2019

    1. Tuesday, September 17, 2019
      1. Event image 7:15 AM – 4:00 PM at Philadelphia Area

        NEW - Financial Institutions Conference - Co-sponsored by PA Institute of Certified Public Accountants >

        Hot Topics: • CECL: What You Need to Know Now • Emerging Technology Trends and Issues for Financial Institutions • Long-in-the-Tooth Economy: How Are Pennsylvania Banks Delivering Returns? More >
    1. Thursday, September 19, 2019
      1. Event image 8:15 AM – 4:00 PM at Harrisburg Area

        Treasury Management Seminar >

        The session is geared towards all bank staff who are interested in a basic knowledge of Treasury Management products and services including: those new to Treasury Management sales and/or service, new business development staff, and retail delivery staff who have business calling responsibilities. Sales support and operations staff who work with Treasury Management products are also welcome. More >
    1. Monday, September 23, 2019
      1. Event image 8:15 AM – 4:00 PM at Pittsburgh Area

        Emerging Leaders Conference >

        Are you a banker with current leadership responsibilities or aspiring to be in a leadership position? Join us for the 2019 Emerging Leaders Conference to network with peers and learn the keys to leadership in today’s banking industry. More >
  2. October 2019

    1. Wednesday, October 2, 2019
      1. Event image 8:45 AM – 3:00 PM at Harrisburg Area

        Director Training Seminar - co-sponsored by FinPro >

        We invite you to join FinPro, Inc. (FinPro) and the Pennsylvania Bankers Association for a robust day of training for directors. You will gain a deeper understanding of emerging trends in the financial industry. This is also a great opportunity to network with so many of your peers. More >
  3. December 2019

    1. Tuesday, December 10, 2019
      1. Event image 8:15 AM – 3:45 PM at Harrisburg Area

        Analyzing Personal Financial Statements & Tax Returns >

        One of the more challenging aspects of lending is analyzing personal financial statements and tax returns. Assessing the borrower’s ability to convert assets to cash to pay short-term debt or honor a guaranty often requires significant adjustments to the borrower’s reported net worth. Adjusted gross income on Form 1040 bears no relationship at all to cash available to pay personal living expenses and debt service. To determine cash available, the lender must construct a personal cash flow using information contained in the personal financial statement and schedules of the tax return. Lenders recognize that the business and personal financial affairs of small business borrowers are closely intertwined necessitating the integration of business and personal cash flow to determine global cash flow. More >