American River Bank Offers Hands-On Financial Workshop for Business Owners

Sacramento, CA, March 7, 2013 – American River Bank, a subsidiary of American River Bankshares , today announced that it is offering a hands-on workshop for business owners to learn how to go beyond just producing monthly balance sheets and income statements to analyzing them for practical financial insight.     

“I think there is this misconception among business owners that they need an advanced degree in finance or to spend a lot of time every month on accounting to glean any insight on how to run their business more efficiently and effectively,” said Charles Cochran, Vice President & Relationship Manager at American River Bank.  “That’s not practical and the truth is, once you strip away the mumbo jumbo that typically accompanies any financial explanation, there are simple ways to turn a few basic numbers produced on most monthly accounting statements into powerful financial indicators.” 

Harnessing the Power of Financial Ratios is a hands-on workshop that will teach business owners to transform a few key numbers in financial statements into ratios that will provide greater control and understanding into what drives financial stability and success.  

Other workshop highlights include:

  • Learn the four key financial ratios you need to know to run your business efficiently & effectively
  • How to calculate your financial ratios, including a FREE ratio dashboard tracking tool
  • Case studies from real businesses, like yours!
  • What improvements you can make to effect your bottom line

The workshop starts at 8:00 a.m. on Tuesday, March 19th at the KFBK offices at 1545 River Park Drive, Suite 500 in Sacramento.  To register, visit  The cost is $25, which will be donated to the American River Bank Foundation.  Continental breakfast provided.   

About the Workshop Leader, Charles Cochran

Charles Cochran is VP, Relationship Manager at American River Bank. He specializes in revolving and term debt financing as well as owner occupied commercial real estate lending. Prior to entering the field of banking, Charles worked as a financial auditor in the San Jose office of Deloitte & Touche.  He now uses his financial knowledge powers for good to help business owners reach greater financial stability and success.  

About American River Bank

American River Bank, a subsidiary of American River Bankshares , is a regional bank serving Northern California since 1983. We give business owners more REACH by offering financial expertise and exceptional service to complement a full suite of banking products and services. Our honest approach, commitment to community and focus on profitability is intended to lead our clients to greater success. For more information, call (800) 544-0545 or visit

Forward-Looking Statement

Certain statements contained herein are forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934 and subject to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995, that involve risks and uncertainties.  Actual results may differ materially from the results in these forward-looking statements.  Factors that might cause such a difference include, among other matters, changes in interest rates, economic conditions, governmental regulation and legislation, credit quality, and competition affecting the Company’s businesses generally; the risk of natural disasters and future catastrophic events including terrorist related incidents; and other factors discussed in the Company’s Annual Report on Form 10-K for the year ended December 31, 2011, and in subsequent reports filed on Form 10-Q and Form 8-K.  The Company does not undertake any obligation to publicly update or revise any of these forward-looking statements, whether to reflect new information, future events or otherwise, except as required by law.


Media Contact:
Diana La Point
Corporate Communications
American River Bank

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