

Personal Equity :
- The following example is a calculation of the equity of an individual.
- A person owns a house ($200,000) and a car ( $15,000) and furniture and other household items ($10,000) as well as a bank account of $2,000
- The total assets of this individual =$227,000
- This same individual still has a mortgage of $165,000, a car loan of $15,000 and a credit card account of $1,000.
- The total liabilities of this individual =$181,000
- Personal equity = $227,000 - $181,000 = $46,000
Balance Sheet:
- Like the Income Statement, the Balance Sheet is a commonly used business report.
- The Balance Sheet shows what a business owes and what it owns.
- Assets are items that a business owns like cash in the bank, an automobile, a building, supplies and inventory.
- Liabilities are like debts. While a business may own a building (asset), if it had to borrow money from the bank to purchase the building, the mortgage is a liability .
- Other liabilities include money owed to suppliers for things bought for a business (Accounts Payable), as well as other debts.
Equity is what a business is worth, calculated by adding up all assets and subtracting all liabilities.
Formulas and Formatting:
The spreadsheet below shows a partial balance sheet for Joe's Computer Store.
figure 1E1
- Note that a $ is only used on the first number in a column. As in the Income Statement subtotals may appear in a column to the right. In the example above the formula =sum(C8:C12) would appear in the yellow box.
- The calculated number would be $40,750
- You will be completing the rest of the formulas for this spreadsheet in the guided review section later.
Percentage Markups :

- If an item is sold for $150 and it cost only $100, the percentage markup is 50% (which in these nice easy round numbers equals $50)
- To calculate a percentage markup the formula is calculated as follows:
- markup=(150-100)/100
- markup=.5 or 50%

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