Analyzing Personal Financial Statements and Tax Returns

Examine personal financial statements and tax returns, including combining business and personal cash flows into a global analysis.

Learning Obj​​​​ectives

The courses included in Analyzing Personal Financial Statements and Tax Returns Curriculum and their objectives are listed below:

Types of Personal Financial Statements
  • Describe the basic formats for personal financial statements
  • Identify the information that is reviewed and verified prior to analyzing the personal financial statement
Key Ratios and Adjusted Net Worth
  • Calculate and interpret the liquidity ratio, unsecured debt ratio, and debt-to-income (DTI) ratio
  • Perform an analysis using ratios to determine a personal financial condition
  • Describe the components of adjusted net worth
  • Use adjusted net worth to perform an analysis of key personal asset and liability accounts
Personal Tax Returns and Cash Flow
  • Describe the key components of a personal tax return
  • Use tax return information to develop a personal cash flow
Combining Business and Personal cash Flow into Global Cash Flow
  • Explain why global cash flow is critical when making credit decisions
  • Develop a global cash flow and global DSC for a borrower


Commercial and/or Business bankers and Credit Analysts

Course Credits

​Questions? Please contact or 1-800-BANKERS for more information.

 Benefits of Self-Paced Training

  • Ultimate flexibility
  • Quizzes to support learning
  • Mobile format available

 Registration & Pricing


Individual Purchase:
ABA Member • $150
Non-Member  • $200

Purchase for a Team:
To license this course to your bank for multiple learners, please contact ABA Training.


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