Unearned interest

Unearned interest

Interest that has been received on a loan, but that cannot be treated as a part of earnings yet, because the principal of the loan has not been outstanding long enough.

Unearned Interest

Interest on a loan that the lender has received, but that may not be recorded as earnings because the principal has not been outstanding for a long enough time.
References in periodicals archive ?
It's no surprise that UK savers are missing out on more than pounds 12bn a year in unearned interest, when most banks are keeping their customers in the dark about their savings rates.
Managed receivables: receivables reported on Ford Credit's balance sheet, excluding unearned interest supplements related to finance receivables, and securitized off-balance sheet receivables that Ford Credit continues to service
Market share is calculated based on adjusted gross loans for unearned interest income).
Managed receivables: receivables reported on Ford Credit's balance sheet, excluding unearned interest supplements related to finance receivables, and securitized off-balance sheet receivables that Ford Credit continues to service -- Charge-offs on managed receivables: charge-offs associated with receivables reported on Ford Credit's balance sheet and charge-offs associated with receivables that Ford Credit sold in off-balance sheet securitizations and continues to service -- Equity: shareholder's interest reported on Ford Credit's balance sheet
Managed receivables: receivables reported on Ford Motor Credit's balance sheet, excluding unearned interest supplements related to finance receivables, and securitized off-balance sheet receivables that Ford Motor Credit continues to service -- Charge-offs on managed receivables: charge-offs associated with receivables reported on Ford Motor Credit's balance sheet and charge-offs associated with receivables that Ford Motor Credit sold in off-balance sheet securitizations and continues to service -- Equity: shareholder's interest reported on Ford Motor Credit's balance sheet
33 Averages Loans, net of unearned interest $1,315,584 $1,307,561 $1,295,913 Total assets 2,225,577 2,165,341 2,136,653 Deposits 1,591,758 1,552,549 1,520,542 Shareholders' equity 195,154 160,739 171,234 Weighted Average Shares outstanding- basic and diluted 7,357 7,354 7,374 Return on average assets .
Managed receivables: receivables reported on Ford Motor Credit's balance sheet, excluding unearned interest supplements related to finance receivables, and receivables Ford Motor Credit sold in off- balance sheet securitizations and continues to service -- Charge-offs on managed receivables: charge-offs associated with receivables reported on Ford Motor Credit's balance sheet and charge- offs associated with receivables that Ford Motor Credit sold in off- balance sheet securitizations and continues to service -- Equity: shareholder's interest reported on Ford Motor Credit's balance sheet
35 June 30, December 31, June 30, 2006 2005 2005 Total assets 329,229 294,390 247,769 Cash and due from banks 13,510 12,144 6,591 Federal funds sold 365 15,785 1,240 Investment securities 58,754 50,660 28,491 Loans, net of unearned interest 240,652 200,310 198,510 Deposits-interest bearing 213,495 192,364 163,273 Deposits-non interest bearing 55,142 49,585 33,272 Total deposits 268,637 241,949 196,545 Borrowed funds 28,831 25,465 25,507 Subordinated debentures 11,217 7,217 7,217 Stockholder's equity 19,459 18,478 17,547 Book value (per share) $ 8.
70% Balance Sheets at Period End Loans, net of unearned interest $595,953 $521,109 Total assets 783,076 697,445 Deposits 627,589 592,699 Other borrowings 87,239 40,167 Shareholders' equity 62,433 59,354 Book value per share 12.
1) Average finance receivables, net of unearned interest, represents the average of gross finance receivables, less unearned interest throughout the period.