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Analyzing Personal Financial Statements and Tax Returns

This curriculum of four courses examines personal financial statements and tax returns, including combining business and personal cash flows into a global analysis.

What You'll Learn

Courses included (only available as a 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

ABA Professional Certifications: 7.25 CLBB

ABA Certificates​: This course applies to the ABA Certificate in Bussiness and Commercial Lending

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



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


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