Glossary

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Current Assets

Cash, accounts receivable, inventory, and other assets that are likely to be converted into cash, sold, exchanged, or expensed in the normal course of business, usually within a year.

Current Liabilities

Debt or other obligations due to be paid within the current period, usually a year.

Current Portion Of Loans Payable

Those portions of loans that are due to be repaid BY the organization within the current year.

Current Portion Of Loans Receivable

Those portions of loans that are due to be paid back to the organization within the current year.

Current Ratio

Current assets divided by current liabilities. The ratio shows a company's ability to pay its current obligations from its current assets.

Debt

An amount owed for funds borrowed. Generally, debt is evidenced by a note, bond, mortgage or other instruments that states the repayment and interest provisions.

Debt Coverage Ratio

Change in unrestricted net assets plus interest plus non-cash depreciation divided by current notes payable. Measures an organization's ability to pay its current debt obligations.

Debt Service

The amount of payment due at regular intervals (usually monthly, quarterly, or annually) to meet a mortgage or debt agreement.

Debt To Equity Ratio

Total liabilities divided by total net assets (sometimes total unrestricted net assets). Sometimes the liabilities are restricted to long-term liabilities only.  Measures an organization's debt relative to its equity or net asset base.

Deed Of Trust

The equivalent of a mortgage in some jurisdictions. The borrower conveys title to the property to be held as security to a trustee, who holds the title as security for the benefit of the lender. The transfer is accompanied by a trust agreement setting forth the terms of the security arrangement.

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