Lesson

The balance sheet is a financial statement that provides a snapshot of an individual's or company's financial position at a specific point in time. It includes assets, liabilities, and equity and is used to assess the financial health and stability of the individual or company.

Practice Question #1

Which of the following is NOT a component of a balance sheet?

Options

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Terms

Balance Sheet:
A financial statement that shows an individual's or company's financial position at a specific point in time.
Assets:
Items of value owned by an individual or company.
Liabilities:
Debts or obligations owed by an individual or company.
Equity:
The residual interest in the assets of an individual or company after deducting liabilities.

Practice Question #2

What is the primary purpose of a balance sheet?

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Do Not Confuse With

Income Statement:
A financial statement that shows an individual's or company's revenues and expenses over a specific period of time.
Cash Flow Statement:
A financial statement that shows an individual's or company's cash inflows and outflows over a specific period of time.

Practice Question #3

Which of the following is considered a current asset?

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Historical Example

In the late 2000s, a major financial institution faced a liquidity crisis due to its high exposure to subprime mortgage assets. The bank's balance sheet showed significant non-current assets that were difficult to sell, leading to a cash shortage to meet its obligations. This ultimately resulted in the bank's collapse and a global financial crisis.

Practice Question #4

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Real-World Example

A young couple is looking to buy their first home. They create a balance sheet to assess their financial position, listing their assets (cash, investments, car), liabilities (student loans, credit card debt), and equity. By analyzing their balance sheet, they can determine their net worth and how much they can afford to spend on a down payment for a house.

Practice Question #5

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Rhyme

Assets and liabilities, equity too, a balance sheet's what you need to view. To understand a client's financial state, a balance sheet will help you evaluate.

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