Financial Statement Examples – 33+ Samples in PDF, Word, Pages


One way to know that your business is in a stable financial condition is to develop a financial statement. This document is a statement analysis that reviews and analyzes the progress of financials in your business. By there, you will know when or what changes you need to take to make the financial health of the business consistent.

Financial statements are the key components to track down funds in and out of business. They provide reliable financial information needed in every business agreement. Keeping the financial condition of a business considerably clean and rising should be one of the vision statements of a company. Use these free financial statement examples to help guide you in creating one for your own company today.

Financial Statement Template

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Board Resolution Approving Financial Statements Template

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Certification Enclosing Financial Statements Template

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Request Delay in Providing Financial Statement Template

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Basic Financial Statement Template

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Minimalist Financial Statement Analysis Template

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Personal Financial Statements

Blank Personal Financial Statement Example

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Free Personal Statement Example

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Monthly Personal Financial Statement Example

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Annual Financial Statement Examples

Personal Annual Financial Statement Example

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Small Business Annual Financial Example

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The General Objectives of a Financial Statement

The primary objective of financial statements is to provide detailed financial information about the company. Generally speaking, a financial statement offers this information:

  • The financial position of an organization, including the status and strength assessment of assets, liabilities, and owner’s equity
  • The financial performance of how the firm’s policies and operations can use its assets in their business
  • The incomings and outgoings of cash or cash flow statement⁠—this is useful in business statements and marketing plans in economic decision-making and representing the organization’s operating activities

The Importance of Financial Statements

The company’s income statement provides necessary information about its financial conditions. These are significant concerns for investors and creditors. Financial statements are essential for many reasons; some of its significances are as follows:

  • They are useful in making economic decisions regarding financing and marketing.
  • Banks use them to measure your company’s financial strength.
  • They help you make minor decisions to determine the company’s overall direction.
  • They tell you the company’s valuation and how well it is performing.
  • They are also used in personal statements when applying for loans or mortgage.

Partnership Financial Statements

Partnership Company Financial Statement Example

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Partnership Manufacturing Financial Statement Example

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Limited Partnership Financial Statement Example

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Professional Financial Statements

Professional Services Financial Example

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Professional Sports Financial Statement Example

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Professional Start-Up Financial Statement in Excel Example

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The Different Types of Financial Statement

There are four different types of financial statements that are used by investors or creditors to determine the financial status of a company, and if the business is worth the value.

Income Statement

This statement is also known as a profit and loss statement. It covers the financial performance of a company for the entire report period. An income statement shows a list of all revenues and then determines the net profit or loss of any business over a specified time frame. It is composed of two elements:

  • Income earned over a period
  • An expense incurred by the business

Balance Sheet

This statement reports the financial position of a business statement at a given report date. This comprises three elements:

  • Assets or the business owns or control
  • Liabilities, or the debts of the business
  • Owner’s equity, which represents the owner’s investment in the business minus the owner’s liabilities

Cash Flow Statement

It is the incomings or the outgoings for making a cash flow statement in the business over a period of time. The cash flow may be from

  • investment activity that shows cash flow from the purchase and sales of assets,
  • operating activity that shows cash flow from basic activities of a business, and
  • financing activities that represent cash flow statement that is generated or spent.

Statements of Changes in Equity

This statement details the changes in the owner’s equity over a reporting period. It is derived from the net profit or loss during the period, the shared capital, dividend payments, gains or losses, and the effects of a change in accounting policy.

We have financial statements in Excel and statements in pdf available for download here so you don’t have to worry too much if you are planning to create one.

Real Estate Financial Statements

Real Estate Company Statement Example

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Commercial Real Estate Valuation Financial Statement Example

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Student Financial Statements

Student Personal Financial Statement Example

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Student Loan Foundation Financial Statement Example

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Simple Financial Statements

Free Simple Financial Example

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Simple Personal Financial Statement Example

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Simple Business Income Projections Statement Example

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Accounting Financial Statements

Hotel Accounting Financial Statement Example

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Basic Accounting Income Statement Example

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Why Financial Statements?

Every business mission statement should include the idea to prepare a financial statement. So, when the investors, creditors, and shareholders ask for proof that your business is financially healthy, you can show them your financial statement. Not only that, preparing a financial statement can help you make a crucial decision for your company, provide you an on-time payment from your customer and vendors and lastly, a financial statement can prepare you for tax time so that you would not miss paying it.

Using Financial Statements

Financial statements are more than just reports of the financial condition of your business. It is also a tool that business owners use to determine the company’s strengths and weaknesses. Business owners commonly use the financial statement to do the following:

  • Perform financial analysis before making investment decisions.
  • Resolve problem statements regarding finance.
  • Decide whether to continue or discontinue a part of the business agreement.
  • Make or purchase materials that are essential to the business.
  • Acquire, rent, or lease specific equipment to increase the production of goods.

Company Financial Statements

Sample Construction Company Financial Statement Example

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Insurance Company Annual Financial Statement Example

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Individual Financial Statement

Individual Consumer Debtor Financial Statement Example

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Individual Personal Financial Statement Example

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Free Individual Financial Statement Example

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Monthly Financial Statements

Applicants Monthly Financial Statement Example

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Non-Profit Financial Statements

Non-Profit Organization Financial Example

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Audited Non-Profit Financial Statement Example

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Limitations of Financial Statements

Business owners should be mindful of the limitations of financial statements. These are the circumstances that could put the business at risk. Apart from risk management, knowledge of these circumstances could help business owners take action earlier. This awareness prompts them to investigate further and create a need statement or needs analysis.

Five major limitations in financial statements to look out for:

  • Inflationary effects. The assets and liabilities in the balance sheet will appear low if the inflation rate is high since they are not adjusted for inflation. This limitation applies to long-term assets.
  • Intangible assets are not recorded as assets. Instead, any amount that is made to create this asset is subject to an immediate charge to expense.
  • Not always comparable across companies. Companies use different accounting principles. This is why the financial statements of one company are not still similar to other companies.
  • Subject to fraud. Sometimes, members of the accounting team may alter the financial statement. This is due to pressure to free report examples excellent results, caused by bonuses or incentives in the event of reported sales increase.
  • It is not verified. This is when financial statements have not been audited. Their results may come up inaccurate because no one has examined the accounting policies and practices to ensure an accurate financial statement.

What Are the Objectives of Financial Statement Analysis?

Throughout the article, we have discussed the document for tracing the funds in and out of business called “financial statement.” However, there is another essential aspect regarding this document that we need to talk about as well. Namely, this process is “analysis.”

Financial statement analysis is the scrutinization that emphasizes the critical relationships between the items inserted in the financial statement. This procedure is vital because it provides accounting professionals with an interpretation of the past results to correlate it with the present, so they could create an anticipation of the potential change in the money balance and devised the appropriate plan. Nevertheless, there are still more objectives in performing financial statement analysis. Read through this article to get acquainted with all of them.

1. Evaluation of the past and present performance.

History repeats itself is a famous assertion that depicts the concept called “historical recurrence.” Likewise, history or account may also indicate the future in business. Analyzing the financial statement, for instance, enables you to apply this concept. This objective is applicable to both company financial statements and non-profit financial statements.

One objective of financial statement analysis is to evaluate your performance in the past and current positions. Records from your past productivity frequently provide an individual with a good gauge of his/her future. Furthermore, examining your financial statement could also give you an excellent foundation regarding the point you are currently standing on. Given this fact, doing this specific process allows somebody to obtain a rational basis for preparation.

For instance, an entrepreneur may analyze his/her financial statement and correlate it with his/her current position. For investors, they may also evaluate the trend in past sales, expenses, net income, cash flow, investment return, etc. These particular processes would give an explicit, rational assumption for an individual regarding the status of the business. With these bases, one could now perform some appropriate and wise measures to avoid any shortcomings and reach or outstand the expected illustrated values.

2. Forecast of net income and growth anticipations

Another objective of analyzing your financial statement is to predict the net income and growth prospects of a particular business. Having this process done enables you to obtain another set of data that could be shown to your investors. This element is vital, especially in investments. Remember, investors are into enterprises with massive potential and lucrative sales. Hence, positive findings from your analysis is an excellent basis for their approval already. Furthermore, there is also an enormous probability that the decision-maker of the deal is futuristic. In these cases, financial statement analysis could also help in convincing your prospective clients or investors.

3. Forecast of bankruptcy and failure

If analyzing your financial statement provides you with the probable gains in your business, it could also equip you with knowledge about the prospective losses in your business. Findings from this analysis could provide early signals to business enterprises regarding possible bankruptcy and failure. Entrepreneurs and investors could then initiate the proper preventive measures to dodge or diminish the enterprising casualty. Managements may change some operating policy, restructure the financial framework, etc.

Elaborately, managers of various businesses may utilize the ratio prediction model to evaluate the capability status of the firm to pay on their liabilities and execute the necessary procedures. In the field of accountancy and finance, there are scientific studies that exhibit a set of financial ratios that could indicate an early precaution regarding the failure of the corporate. This method is useful for investors, creditors, managers, and business owners. Moreover, investors and shareholders may also apply the same concept to do the necessary alterations in their strategy. This measure is practiced by creditors, too.

4. Smart loan decision

For legal lenders, financial institutions and banks, analysis of financial statement are crucial as well. It helps them create a loan or credit decision that would look and sound useful to their potential borrowers. By understanding the flow of your financial statement, a lender could identify captivating propaganda and strategy. Lending parties could also think of credit risk, bright terms and conditions, interest rate, maturity rate that would benefit them with the help of financial statement analysis. To know more, just see more of our free statement examples.

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