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1 Click to edit Master title style brought to you by
2 Click to edit Master A Personal title style Touch We believe the key distinction between banks is the way they serve their customers. Through honesty, hard work and quality customer service, our knowledgeable, friendly staff is ready and willing to assist you. Whether you are banking as an individual, a family or a business, you ll benefit from sound, strategic advice, flexibility and locally made decisions from people who truly understand your needs. Joel K. Bopp Senior Commercial Lender Vandalia Loan Production Office 6450 Poe Ave., Ste 101 Dayton, OH jbopp@minsterbank.com Member FDIC MinsterBank.com
3 Financial Management Bradstreet & Company, Inc. CPAs Centerville Bradstreet & Associates, Inc. CPAs Xenia Lance Bradstreet m
4 My Financial Statement Philosophy: The Complex US Tax System Devoured the Importance of Financial Statements Most Small Businesses Prepare Financials to Completed their Taxes Financial Statements (Double Entry Accounting) was invented in the 1500s The Medici Family in Florence Italy, the world s first bankers, adopted Double Entry Accounting The First US Tax Return was Developed in 1913 Financial Statements are Managerial Tools, not just for Taxes
5 The Parts that Make a Financial Statement: Balance Sheet Income Statement When Prepared Properly a Financial Statement Represents Balance & Harmony For every debit there is an equal credit
6 Balance Sheet Assets Cash Accounts Receivable Fixed Assets Deposits Other Assets Liabilities + Accounts Payable Accrued Expenses Short Term Liabilities Long Term Liabilities Equity Capital Contributions Distributions / Draws Retained Earnings
7 Balance Sheet Example
8 Income Statement Revenues Cost of Goods Sold Ordinary Expenses Sales Tracking by Division Tracking by Product COGS Different by Organization Variable Gross Profit Margin Cost of the Stuff Fixed Expenses Offices Et Al Communications Vehicle Expenses Fixed for Most Part
9 Income Statement Example
10 Financial Statement Frequency & Trends: Item 1 Item 2 Monthly? Quarterly? Annually? Trends: Comparative Financials Month over Month Year over Year XX 20XX 20XX 20XX
11 Balance Sheet Terms: Current Assets Cash, Accounts Receivable, Inventory Available Assets Current Liabilities Short Term Debt, A/P, Accrued Expenses Typically Obligations Due within 30 Days Deliverable 3 Lorem ipsum dolor sit amet Sed do eiusmod tempor incididunt ut labore Deliverable 4 Lorem ipsum dolor sit amet Sed do eiusmod tempor incididunt ut labore
12 Common Balance Sheet Ratios: Current Ratio Current Ratio = Current Assets / Current Liabilities If the ratio is below 1 it raises concerns that the company isn t able to meet its short term liabilities when they come due.
13 Common Balance Sheet Ratios: Quick Ratio Quick Ratio = (Current Assets - Inventories) / Current Liabilities The Quick Ratio measures a company s ability to meet its short term liabilities with its most liquid assets. The higher the quick ratio the better the position of the company.
14 Common Balance Sheet Ratios: Debt to Equity Ratios Total Debt/Equity Ratio = Total Liabilities / Total Equity Long Term Debt/Equity Ratio = Long Term Debt / Total Equity Short Term Debt / Equity Ratio = Short Term Debt / Total Equity Three different variation of computations designed to show how a company has been funding it s growth
15 Project objective: Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do
16 Understanding the market
17 Target audience Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt The competition: Lorem ipsum Dolor sit amet
18 Market trends Trend 1 Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor Client Implications: Incididunt ut labore et dolore Consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore Trend 2 Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor Client Implications: Incididunt ut labore et dolore Consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore
19 Deploying Capital - Beyond Tax Write-offs Jan Feb Mar Apr May Jun Jul Jul Deployment In-production services Return on Investment Advanced projects New Website New Equipment
20 The Team Wendy Writer, CEO Ronny Reader, CFO Abby Author, CTO Berry Books, CPO Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum
21 Next Month Registration is live for the next bootcamp on September 19th Minster Bank Pitch Competition September 25 th Presentations from past sessions are available at:
22 Click to edit Master Contact title style Us Vandalia Loan Production Office 6450 Poe Ave., Suite 101 Dayton, OH Joel K. Bopp Senior Commercial Lender Member FDIC MinsterBank.com
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