Calendar

  1. March 2019

    1. Monday, March 4, 2019
      1. Event image 8:00 AM – 4:00 PM at Hershey

        Women in Banking Conference >

        A day providing networking opportunities and professional development tailored to strengthen and deepen involvement in the industry, community and the association. More >
    1. Thursday, March 21, 2019
      1. Event image 8:15 AM – 4:00 PM at Harrisburg Area

        The Emerging Consumer and How to Bank Them - Retail Banking Seminar >

        This action-packed full-day workshop includes a combination of lecture, interactive discussion and case material to help bankers understand the mindset of the customer and how to align products, services and channel strategies to meet their evolving needs. More >
  2. June 2019

    1. Tuesday, June 4, 2019
      1. Event image 8:15 AM – 4:00 PM at Harrisburg Area

        Asset Liability Management Seminar >

        More information to follow. 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 >