Showing posts with label Accounting. Show all posts
Showing posts with label Accounting. Show all posts

Tuesday, May 10, 2022

An employee is working 6 days a week from Monday to Saturday. Assume the overtime for the employee is one and a half after 40 hours.

 Question 1 (20 points)


(A) An employee is working 6 days a week from Monday to Saturday. Assume the

overtime for the employee is one and a half after 40 hours. The following

table shows his working hours. (6 points)


  1. Complete the table below (Show your work)


M T W Th F Sa

Total Hours

Regular Hours

Overtime Hours

Regular Rate

Overtime Rate

10hr 10hr 10hr 9hr 9hr 6 hr

??

??

??

$ 7.50

??



M T W Th F Sa

Total Hours

Regular Hours

Overtime Hours

Regular Rate

Overtime Rate

10hr 10hr 10hr 9hr 9hr 6 hr

54

40

14

$ 7.50

$11.25


Workings:

Total hours worked in a week = 10 + 10+ 10 + 9 + 9 + 6 = 54 hrs

regular hours = 54 hrs – 40 hrs = 14 hrs

overtime rate = overtime as a decimal * regular rate

= 1.50 * $ 7.50

= $11.25


  1. Find the gross earnings of the employee.


Gross earning of the employee = amount of money employee earned for time worked

for regular hours = 40hrs * $7.50 = $ 300

for overtime hours = 14 hrs * $11.25 = 157.5

Total gross pay = $ 300 + 157.5 = $ 457.5


(B) Hamad is a salesclerk who receives a salary of $ 750 per week plus a commission of 7% on all sales exceeding $ 40,000. During a four-week period he sold products worth $ 55,000, what were Hamad's gross pay? (7 points)


Hamad Gross pay

salary for the for weeks = $ 750 * 4 weeks = $ 3000

commission = 55,000 * 7% = $3850

Total gross pay = $6850



(C) Jasem makes handicraft items for an ornaments shop. He is paid on the following differential pay scale:

Units produced

Amount per unit

1 – 60

$ 2.20

61 – 160

$ 3.15

161 – 200

$ 5.90

Over 200

$ 7.25


If he made 230 items in a week, how much is his gross pay? (7 points)

(Round your answer to the nearest hundredth)



Jasem Gross pay


He produced over 200 units which is charged at $7.25

Thus: 230 units * $7.25 = $1 667.50

= $1 668



  1. + 7 + 7 = 20 marks)



Question 2 (20 points)


(A) A businessperson took out a loan of $ 60,000 from the Bank at a simple interest rate of 5.25% on March 15, which is due on June 11. (6 points)

  1. Find the number of days of the loan from March 15 until June 11.



Finding the number of days of the loan from March 15 until June 11


number of days = 88 days



  1. Using exact interest, find the interest amount (I=?)


I = PRT

= $60 000 * (5.35/100) * (88 days/ 365 days)

= $60 000 * 0.0525 * 0.24109589

= $ 759.45

I = $ 759




(B) A dealer borrowed $ 5,000 on a 120-day 3% simple interest note. He paid $ 1,000 toward the note on day 30. On day 80 he paid an additional $ 1,000. Assume 360-day year, what is his ending balance due? (7 points)



calculating balance due


finding total interest =

I = P rt

I = $5000 * 3/100 * 120/360

I = 5000 * 0.03 * 0.3333

I = $50


Total amount to be paid = $5000 + $50


Thus Ending balance due = $5050 – $2000 (amount already paid) = $3050



(C) A Supplier borrowed $ 14,000. The loan was for 15 months at a simple interest rate of 7%. What is the interest and the maturity value? (7 points)



Finding the interest and maturity value

Interest = PRT

= $14000 * 0.07* 15/12

= 14 000* 0.07 * 1.25

= $1,225


maturity rate = P + I

= $14,000 + 1,225

= $15,225



(6 + 7 + 7 = 20 marks)

Question 3 (20 points)


(A) A man deposits $ 14,850 into a bank, which pays 4% interest that is compounded semiannually. What will he have in his account at the end of three years? (7 points)


Calculating what he will have in the account


finding interest

I = P [ (1+r) ^n – 1]

= $14,850 [ (1+04) ^5-1 (n= 3 yrs to pay*2-1 = 5)

= $ 14,850 [ (1.04)^5-1)

= $14,850 (1.217-1)

=$14,850 (0.217)

= $ 3,222.45

= $3,222


Amount in the bank after 3 years = P + I

= $14,850 + 3,222.45

= $18, 072






(B) The owner of a small factory thinks that he will need $ 35,900 for new equipment in 10 years. He decides that he will put aside the money now so that after 10 years the $ 35,900 will be available. His bank offers him 8% interest compounded semiannually. What is the present value of the $ 35,900? (7 points)


Finding the present value of $35,900


( i=8%/ 2 six-month periods= 4%) (n=10 years*2=20)


FV = PV *(1.00+i)^n

= $35,900 * (1.00+0.04)^20

= $35.900 * (1.04)^20

= $35,900* 2.191

= $ 78, 661



(C) A person deposited $ 14,820 at a bank at an interest rate of 12% compounded quarterly. Find the effective rate (APY). Write your answer in percentage rounded to the nearest hundredth. (6 points)



Finding the effective rate (APY) = (1 + r/n)^n-1


= (1+0.12/4)^4-1

= 0.126 (*100)

= 12.55 %

=13%


(7 + 7 + 6 = 20 marks)



Question 4:(20 points)


(A) A company borrowed $ 18,000. The company plans to set up a sinking fund that will pay back the loan at the end of 7 years. Assuming a rate of 10% compounded semiannually, find the Sinking Fund of the ordinary annuity. (6 points)



PM = FV * r / ((1+r)^N – 1) (10%/2 = 0.05% and N =7 years * 2 = 14)


= $18,000 * 0.05 / ((1+0.05)^14-1)

APR = $918.43


(B) An employee decided to invest $ 750 quarterly for 9 years in an ordinary annuity at 12%. What is the total cash value of the annuity at end of year 9? (7 points)


FV = PM ((1+r) ^N-1) /r


= $750 ((1+0.03)^36-1) /0.03

= 47,456.95

= $ 47,457


(C) What must YOU invest today to receive an annuity of $ 1,250 for 10 years compounded at 16% quarterly when all withdrawals will be made at the end of each period? (7 points)


FV = PM ((1+r) ^N-1) /r

= 1,250 ((1+0.04) ^40-1)/0.04

= $118, 782 (amount to be invested today to get the annuity)


(6 + 7 + 7 = 20 marks)


Question 5:(20 points)


(A) A university graduate bought a new car. The cash price is $ 19,000; he made a $ 1,400 down payment on it. The bank's loan was for 20 months. Finance charges totaled $ 4,900. What was the monthly payment? (7 points)


Finding the monthly payment for the car


Amount of loan=Car price - down payments + charges

=19,000 – 1,400 + 4,900

=$ 22,500

amount to be paid for 20 months

= $22,500/ 20 months

= $1.125 per month



(B) A steel factory bought new equipment. The cash price of the equipment is $ 9,000, putting down $ 3,800 and financing the remainder with 20 monthly payments of $ 288.50 each. Find the APR by table lookup. (7 points)


Calculating APR

amount to remaining $ 9,000 – 3,800 = $5,200

finding the amount on interest to be paid I = PRT

= 5,200 * (288.50/5,200) * 1.67

= $481.795

finding APR = 24*I

P (T+1)


= 24($481.795)

5200*(1+20)


= 0.1058 (which is in the table)




(C) A person bought an apartment. The cash price is $ 190,000; he made a $ 40,000 down payment on it. The bank's loan was for 120 months. Finance charges totaled $ 30,000. What was the monthly payment? (6 points)


calculating the monthly payment

amount of loan $ 190,000 – $40,000 = $150,000

Interest rate = PRT

finding the monthly payment $ 150,000 * 30,000/ 190,000 * 120/12


= $236.835

= $236.84



(7 + 7 + 6 = 20 marks)



END OF EXAM QUESTIONS

Monday, May 9, 2022

Forever Savings Bank estimates that building a new branch office in the newly developed Washington township will yield an annual expected return of 12 percent with an estimated standard deviation of

 Q1. Forever Savings Bank estimates that building a new branch office in the newly developed Washington township will yield an annual expected return of 12 percent with an estimated standard deviation of 10 percent. The bank’s marketing department estimates that cash flows from the proposed Washington branch will be mildly positively correlated (with a correlation coefficient of + 0.15) with the bank’s other sources of cash flow. The expected annual return from the bank’s existing facilities and other assets is 10 percent with a standard deviation of 5 percent. The branch will represent just 20 percent of Lifetime’s total assets. Will the proposed branch increase Forever’s the overall rate of return? Its overall risk? [1.5 Marks]


Q2. The following statistics and estimates were compiled by Big Moon Bank regarding a proposed new branch office and the bank itself:

Branch office expected return = 15%

Standard deviation of branch return = 8%

Existing bank’s expected return = 10%

Standard deviation of existing bank’s return = 5%

Branch asset value as a percentage of total bank assets = 16%

Correlation of net cash flows for branch and bank as a whole = +0.48


What will happen to Big Moon’s total expected return and overall risk if the proposed new branch project is adopted? [1.5 Marks]


Q 3. What do you think the Financial-Services industry will look like 20 years from now? What are the implications of your projections for its management today? [2 Marks- 500 words minimum]


Answer:

Q1.

Initial calculation of E(R) estimate rate of return is as follow =

E (R) = 0.20 (12%) + 0.80 (10%)

=0.024 +0.08 * 100

= 10.4%

The risk of return rate is:

σ2 = (0.20)2 (0.10)2 + (.80)2 (0.05)2 + 2(0.20)(0.80)(0.15)(0.10)(0.05)

σ2 =0.00224

σ = 4.73%

The figure of 4.73% shows that the bank's expected return will increase its overall risk with a little amount which is great news for the branch of the bank.

Therefore, since the return will also increase the bank should go ahead with the proposal because it's safe.

Q2.

Calculation of proposed bank's total expected return :

E (R) = 0.16 (15%) + 0.84 (10%)

= 0.024 + 0.084*100

= 10.80%

Risk of proposed bank =

σ2 = (.15)2 (.082 + (.85) 2 (.05)2 + 2(.15)(.85)(.48)(.08)(.05)

σ2 = .00244

And thus σ = 049395 *100

= 4.94%

Therefore, The proposed project in question 2 increases the savings of the big moon bank branch and the bank itself ''s expected return by a minimal amount and also increases its overall risk by a minimal amount. Which is great for an investment.

Q3.

Financial-Services industry in the future (20years from now)

The financial service industry which comprises of other sectors: banking, insurance, credit unions, trust funds, and brokerage businesses, manage money for clients. This industry is facing massive changes due to the current rapid technology changes that have also affected their customers’ lives. In addition, according to a report by KPMG, in the next 20 years, the industry is likely to see more competitors, innovations, regulations, and a need for more security (Pollari, 2019).

Elements that will affect the changes in Financial-service Industry 

Fintech startups becoming mainstream

According to PwC Global FinTech Survey, Fintech (or financial technology) businesses like Paypal, and several others, will continue to use technology to solve money and business issues online, as they provide the same services as those in the financial services value chain (PricewaterhouseCoopers, 2020).


Technology and new capabilities will impact relationships with clients

The increased use of Artificial Intelligence (AI) and Machine Learning (ML) to automate tasks.

Some customers will want their services to be automated and others will want to be more involved; Technology will be used to replace manual labor.

Blockchain/ Distributed ledger technology (DLT) becoming mainstream

The financial service sector is faced with the negative effects of blockchain and its digital currencies becoming more accepted modes of performing financial transactions. These negative effects are due to the decentralized management of transactions used by blockchain which is believed to be much more transparent, unregulated by central banks or governments, and much more secure, compared to the traditional financial sectors.

More devices are connected to the internet as the internet of things (IoT) increases

As almost every day electronic device gets to be connected to the internet because of the – internet of things – people would want to use their devices to perform financial transactions with ease. Therefore technology makes people’s lives more personalized, financial institutions have to use technology to keep up with customer demands.


Financial regulations

The regulation of financial institutions by the regulatory framework in place both locally and internationally will be much more and with restrictions and penalties. This is due to the handling of personal data, security of people’s financial information for potential problems, supervising procedures, quality reviews, and reports.

Cyber security powered by AI to protect data

The industry will face lots of threats from Cybercriminals.


Implications Of The Projections For Its Management Today


The management today has to invest heavily in innovative technology

To stay relevant or keep up with advancements in technology and competition from Fintech, financial institutions have to invest in innovative technology that makes them operate better and provide what the future customers need. Technologies like quantum computing that use advanced IoT, AI, and ML to learn faster and automate manual tasks in payments, retail banking, insurance, capital markets, and wealth management. (KPMG/The Future of Digital Banking report)

The management has to also prepare the institution’s architecture to connect to different things, and to any location, so that they have more, control and accessibility, address issues of cyber-threats, IoT sensors, Third-party ‘big data’ sources, and connections like Business-to-Consumer (B2C), Business-to-Business (B2B), Cloud services, data warehouses, and applications.


References

  • What The Future of Finance May Look Like. (2019, December 16). Northeastern University D’Amore-McKim School of Business. https://onlinebusiness.northeastern.edu/blog/what-the-future-of-finance-may-look-like/

This section deals with certain general background considerations and information related to the FASC and the answers can be found by clicking the

 ACG4111 Intermediate Financial Accounting II

Version 1

Financial Accounting Standards Codification Research Assignment




Write your name and student number in the space below.



Student (L, F):___________________________________________________



Student/Panther ID:_________________________



This assignment is comprised of researching several of the more current technical topics in accounting and responding to several specific technical standard questions about the topics. You may be asked to interpret how the technical standard is applied or what the objective(s) of the related GAAP rules are attempting to address. Note that the FASC is now the one and only source of the technical GAAP standards; other sources are no longer accepted as GAAP.


You can access the Financial Accounting Standards Board (FASB) Financial Accounting Standards Codification database at: http://aaahq.org/ascLogin.cfm. Type in the following:


Username: AAA52092

Password: 92FqjZZ


Click on “FASB Accounting Standards Codification” and the database will open. The topics are found on the left side of the welcome page. Clicking on the topic will return the subtopics and contents. You can access each topic by either scrolling over the topics and subtopics until you find the related content or topic or by using the search box found in the top right of the screen.







I. FASB Accounting Standards Codification (FASC) Questions


This section deals with certain general background considerations and information related to the FASC and the answers can be found by clicking the “About the Codification” and “Notice to Constituents” sections on the FASC Welcome Page. This section is a good general source of information about the FASC and should be reviewed prior to starting to answer the specific questions set forth in all sections. The related research questions that you must answer are:


  1. When did the FASC Codification become effective?

Answer

According to About codification page, the Codification is effective for interim and annual periods ending after September 15, 2009


  1. Did the FASC change prior GAAP?

Answer

According to Notice to Constituents V4.10_0 All previous level (a)-(d) US GAAP standards issued by a standard setter are superseded. Level (a)-(d) US GAAP refers to the previous accounting hierarchy. All other accounting literature not included in the Codification is nonauthoritative. So FASC did not change but Codification structure is significantly different from the structure of previous standards.



  1. What does the FASB expect from the new FASC structure and system?

Answer

According to Notice to Constituents V4.10_0 p.5 Among other things, the Codification is expected to:

1. Reduce the amount of time and effort required to solve an accounting research issue

2. Mitigate the risk of noncompliance through improved usability of the literature

3. Provide accurate information with real-time updates as Accounting Standards Updates are released

4. Assist the FASB with the research and convergence efforts.



  1. What are the “topics” used in the ASC?

Answer

According to Notice to Constituents V4.10_0 p.12. The Topics reside in Areas which can be categorized as follows:



1. The General Principles Area (Topic Codes 105–199) relates to broad conceptual matters.

2. The Presentation Area (Topic Codes 205–299) addresses how information is presented in the financial statements. It does not address other aspects of financial accounting such as recognition, measurement, or derecognition for individual financial statement ccounts.

3. The Assets, Liabilities, and Equity Areas (Topic Codes 305–399, 405–499, and 505–599, respectively) contain guidance about specific individual balance sheet accounts (e.g., cash, accounts payable, additional paid-in capital).

4. The Revenue and Expenses Areas (Topic Codes 605–699 and 705–799, respectively) contain guidance about specific individual income statement accounts (e.g., sales revenue, employee compensation).

5. The Broad Transactions Area (Topic Codes 805–899) contains guidance about multiple financial statement accounts and its Topics are generally transaction-oriented (e.g. business combinations, derivatives, nonmonetary transactions).

6. The Industry Area (Topic Codes 905–999) contains guidance about specific industries or types of activity.



  1. Are Securities and Exchange Commission (SEC) references included in the ASC?

Answer

Yes, because according to Notice to Constituents V4.10_0 p.20.

SEC content is included for reference to improve the usefulness of the Codification for public companies.

The system attempts to embed relevant SEC content for reference in the same Topics and Subtopics as all other content.

II. Topic-Specific Research


You have been hired at an audit firm as a first year staff. This firm requires that all references to generally accepted accounting principles in the audit workpapers include the corresponding FASC citation (topic and subtopics). Below are three independent situations found at your clients that require research and documentation.


For each question, (1) provide the citation number (topic and subtopic) that addresses the question and (2) answer the question. Document this under the question, indenting your answer or otherwise indicating it is the answer (bold, underline, different color, etc.)


  1. Change in Accounting Principles

As part of the year-end accounting process and review of operating policies, Cullen Co. is considering a change in the accounting for its equipment from the straight-line method to an accelerated method. Your supervisor wonders how the company will report this change in principle. He read in a newspaper article that the FASB has issued a standard in this area and has changed GAAP for a “change in estimate that is effected by a change in accounting principle.” (Thus, the accounting may be different from what he learned in intermediate accounting.) Your supervisor wants you to research the authoritative guidance on a change in accounting principle related to depreciation methods.

  1. Identify the main authoritative guidance for accounting and reporting guidelines for a change in accounting principle related to depreciation methods?



Answer

The main authoritative for accounting and reporting guidelines for change in accounting principle relating to depreciation methods is under Topic Accounting changes and error correction 250-10



The Accounting Standards Codification (ASC) Topic 250, subtopic 10, which is Accounting Changes and Error Corrections.

  1. Is a change of depreciation method a change in accounting principle or a change in estimate?

Answer

A change of depreciation method is a change in accounting period.



Under Topic 250-10 Accounting Changes and Error Corrections-Overall-20-Glossary- Change in Accounting Principle is also defined as:

A change in the method of applying an accounting principle also is considered a change in accounting principle.



(c) What are the conditions that justify a change in depreciation method, as contemplated by Cullen Co.?

Answer

When there is a change in estimate being affected by a change in accounting principle or change in entity, as stated in topic 250:



A change in accounting estimate that is inseparable from the effect of a related change in accounting principle. An example of a change in estimate effected by a change in principle is a change in the method of depreciation (as well as amortization, or depletion) for long-lived, nonfinancial assets.

(d) What guidance does the SEC provide concerning the impact that recently issued accounting standards will have on the financial statements in a future period?

According to topic 250 -10 Accounting Changes and Error Corrections The recently issued accounting standards will affect financial statements both directly and indirectly in the future as follow:


Directly the standards will have effect on Assets or liabilities. For example, an adjustment to an inventory balance to effect a change in inventory valuation method. Other examples of direct effects of change in accounting principe are deferred income tax assets or liabilities.



Indirectly the standards will have effects on any changes to current or future cash flows that result from making a change in accounting principle that is applied retrospectively. Like a change in a nondiscretionary profit sharing or royalty payment that is based on a reported amount such as revenue or net profit.


  1. Warranty

Pleasant Co. manufactures specialty bike accessories. The company is known for product quality, and it has offered one of the best warranties in the industry on its higher-priced products—a lifetime guarantee, performing all the warranty work in its own shops. The warranty on these products is included in the sales price.

Due to the recent introduction and growth in sales of some products targeted to the low-price market, Pleasant is considering partnering with another company to do the warranty work on this line of products, if customers purchase a service contract at the time of original product purchase. Pleasant has called you to advise the company on the accounting for this new warranty arrangement.

(a) Identify the primary authoritative guidance that addresses the accounting for the type of separately priced warranty that Pleasant is considering.

Answer

The primary authoritative guidance that addresses the separate priced warranty that Pleasant Co is considering is under topic 605 Revenue Recognition – 20 Services – 25 Recognition

The Accounting Standards Codification (ASC) or Paragraphs 605-20-25-1 through 25-6 provide guidance on revenue recognition by sellers of extended warranty or product maintenance contracts.



(b) When are warranty contracts considered separately priced?

Answer

If a customer has the option to purchase a warranty separately, it represents a service warranty that should be accounted for as a separate performance obligation.

Under Accounting Standards Codification (ASC) topic or paragraph 605-20-25-1:

Separately priced contracts for extended warranty and product maintenance contracts provide warranty protection or product services and the contract price of these contracts is not included in the original price of the product covered by the contracts.



(c) What are incremental direct acquisition costs and how should they be treated?



Answer

The incremental direct acquisition costs are those identified with obtaining a specific contract which otherwise would not have been incurred. These costs are deferred and charged to expense account in their proposition to revenue.

Under ASC topic or paragraph 605-20-25-4

Costs that are directly related to the acquisition of a contract and that would have not been incurred but for the acquisition of that contract (incremental direct acquisition costs) shall be deferred and charged to expense in proportion to the revenue recognized.



  1. Notes Payable

Your client has been operating for just two years, producing specialty golf equipment for women golfers. To date, the company has been able to finance its successful operations with investments from its principal owner and cash flows from operations. However, current expansion plans will require some borrowing to expand the company's production line.

As part of the expansion plan, the company will acquire some used equipment by signing a zero-interest-bearing note. The note has a maturity value of $50,000 and matures in 5 years. A reliable fair value measure for the equipment is not available, given the age and specialty nature of the equipment. As a result, the client is unable to determine an established exchange price for recording the equipment (nor the interest rate to be used to record interest expense on the long-term note). They have asked you to conduct some accounting research on this topic.

(a) Identify the authoritative literature that provides guidance on the zero-interest-bearing note. Use some of the examples to explain how the standard applies in this setting.

Answer

845 Nonmonetary Transactions - 10 Overall – 30 Initial Measurement

Under ASC topic or paragraph 845-10-30-8

Fair value should be regarded as not determinable within reasonable limits if major uncertainties exist about the realizability of the value that would be assigned to an asset received in a nonmonetary transaction accounted for at fair value. An exchange involving parties with essentially opposing interests is not considered a prerequisite to determining a fair value of a nonmonetary asset transferred; nor does an exchange ensure that a fair value for accounting purposes can be ascertained within reasonable limits. If neither the fair value of a nonmonetary asset transferred nor the fair value of a nonmonetary asset received in exchange is determinable within reasonable limits, the recorded amount of the nonmonetary asset transferred from the entity may be the only available measure of the transaction.

Under ASC topic or paragraph 310-10-30-6

Paragraph835-30-25-11explains that, in the absence of established exchange prices for the related property, goods, or services or evidence of the fair value of the note (as described in paragraph (835-30-25-2), the present value of a note that stipulates either no interest or a rate of interest that is clearly unreasonable shall be determined by discounting all future payments on the notes using an imputed rate of interest as described in Subtopic 835-30.Paragraph 835-30-25-11 explains that this determination shall be made at the time the note is acquired; any subsequent changes in prevailing interest rates shall be ignored.



(b) How is present value determined when an established exchange price is not determinable and a note has no ready market? What is the resulting interest rate often called?

Answer

Under ASC topic or paragraph 835-30-25

If an established exchange price is not determinable and if the note has no ready market, the problem of determining present value is more difficult. To estimate the present value of a note under such circumstances, an applicable interest rate is approximated that may differ from the stated or coupon rate. This process of approximation is called imputation, and the resulting rate is called an imputed interest rate.Nonrecognition of an apparently small difference between the stated rate of interest and the applicable current rate may have a material effect on the financial statements if the face amount of the note is large and its term is relatively long.



Under ASC topic or paragraph 835-30-20

Imputed Interest Rate

The interest rate that results from a process of approximation (or imputation) required when the present value of a note must be estimated because an established exchange price is not determinable and the note has no ready market.

Therefore, Present value is determined by approximating an applicable interest rate that may differ from the stated or coupon rate. And the resulting interest rate is often called imputed Interest rate


(c) Where should a discount or premium appear in the financial statements? What about issue costs?

Answer


Under ASC topic or paragraph 835 Interest - 30 Imputation of Interest - 45 Other Presentation Matters


45-1A

The discount or premium resulting from the determination of present value in cash or noncash transactions is not an asset or liability separable from the note that gives rise to it. Therefore, the discount or premium shall be reported in the balance sheet as a direct deduction from or addition to the face amount of the note. Similarly, debt issuance costs related to a note shall be reported in the balance sheet as a direct deduction from the face amount of that note. The discount, premium, or debt issuance costs shall not be classified as a deferred charge or deferred credit.


Accounting Standards Update No. 2015-03—Interest—Imputation of Interest (Subtopic 835-30)

To simplify presentation of debt issuance costs, the amendments in this Update would require that debt issuance costs be presented in the balance sheet as a direct deduction from the carrying amount of debt liability, consistent with debt discounts or premiums.


Therefore, They all appear under the balance sheet. That is discount premium and issue costs.