Final answer:
To determine total net worth, Kristina should subtract the total liabilities from the total assets. This calculation follows the accounting equation where assets equal liabilities plus net worth.
Step-by-step explanation:
Kristina should perform subtraction to determine the total net worth. According to the information about the T-account, the net worth of a bank or any business is calculated by taking the total assets and subtracting the total liabilities. In practice, when analyzing net worth statements and focusing specifically on the assets category, it's important to account for all listed assets and then subtract any liabilities to find the net worth. Remember that assets must always equal liabilities plus net worth.