2026 Fall Essentials of Banking | Session 4
The Zoom & Materials links will be sent a few days ahead of the session
Join us virtually for our EOB Session 4
Event Details
Session 4: How Banks Make Money & Risk Management
Understanding Profitability, Liquidity, Cash Flow
- Why Your Bank’s Profitability and Financials are Important to You
- How Banks Make Money
- Deposit and Loan Growth
- Pricing Deposits and Loans
- Fee Income
- Overview of the Balance Sheet
- Bank Assets
- Liabilities
- Shareholder’s Equity
- Overview of an Income Statement
- Sources of Income and Expenses
- Net Profit
- Other Key Financial Statements
Breaking Down a Bank’s Annual Report
Risk Management and Safety and Soundness
- Asset/Liability Management
- Defining the Various Banking Risks
- Safeguarding the Bank’s Assets/ Corporate Governance
Bank Performance Metrics
- Key Financial Performance Ratios
- Other Bank Performance Metrics
- Bank Examinations
- Types of Bank Examinations
- The Anatomy of an Exam
- CAMELS Rating System
- Regulatory/Supervisory Actions
For More Information:
Christie Drexler is the Owner of Drexler Consulting, LLC, a financial services consulting and training business focused on developing purpose-driven, competent, servant leaders in all roles of banking. She has over 26-years of direct experience in the financial services industry, working for both community and large regional banks. Her experience has been expansive to include successfully navigating retail and commercial banking careers. Christie has served as Division President, Market President, Chief Credit Officer, Chief Retail Officer, and Regional Sales & Service Manager. She has a B.S. in Finance from Berry College and an MBA from Georgia College and State University. She is a passionate facilitator and coach who strives to live the values and leadership strategies she teaches.
Josh Collins has twelve years of banking experience serving in various leadership roles in retail banking, human resources, and talent development. Josh’s background includes developing and facilitating banking, customer service, and leadership and culture development training programs. Josh is a graduate of the University of Georgia and is SHRM-CP certified. He enjoys equipping and encouraging bankers to grow their personal skillsets and build strong teams and cultures to maximize results for themselves and the banks they serve.