Analyzing Personal Financial Statements and Tax Returns

Course Number: ABA

Course Code: ABA 195

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 the Level 3: 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

Audience: Commercial and/or Business bankers and Credit Analysts

Prerequisites: n/a

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Member Price: $150.00
Non-Member Price: $200.00
Textbook Charge: $0.00

Credits: ICB: 7.25 ABA Certificates​: This course applies to the ABA Certificate in Bussiness and Commercial Lending

Length: 6 hrs

ABA Training