Complete a Financial Statement Analysis and Assessment for the City of San Jose. This analysis to includes analyse the financial statements, provide findings and recommendations for Fiscal Year(FY) 2009-2012. I will upload documents and financial information for this report. You can also google for more information if needed. Also, please include how you come about with all the numbers, such as using the forumlas, for ex: states how you came up with the current ratio, etc. Basically, show all your work.

These are the following to be included in the financial analysis and assessment:

1. Cover Page

2. Executive Summary

3. Summary Financial Information (balance sheet, a statements of cash flows, an income statement, and a statement of retained earnings)

4. Ratio Analysis (show your work)

5. Assets

6. Liabilities and Equity

7. Income Statement

8. Deliquent Loan Information

9. Loan Losses and troubled debt restructured, etc.

10. Conclusions/ Recommendation

11. Public perception and recent financial performance

Additional information: Review the annual reports, to identify the current economic conditions, such as: liquidity, profits and profit margin, such as are profitability trends favorable in the company? Sales (tax revenue)such as is the city generating more tax revenue? Borrowing, such as if the city is borrowing profitably? Assets, is the company using fixed assets effectively? Employees, is the company hiring effectively?

Analyze "raw" financial data and make competent decisions based on raw data, and draw conclusions from the data you've gathered, determine the relevant position of the city of Santa Clara in this analysis,

Provide recommendation and forecast future financial states.

Analyze financial standpoint, and future cost saving opportunities.