Final answer:
Net worth is calculated by subtracting liabilities from assets, such as cash, reserves, loans, and bonds. On a bank's balance sheet, net worth represents the difference between total assets and total liabilities.
Step-by-step explanation:
Net worth is calculated by subtracting liabilities from assets. In the context of a bank's balance sheet, assets include cash, reserves, loans made to customers, and bonds. Liabilities refer to deposits made in the bank. Net worth, also known as bank capital, is the difference between the total value of assets and total liabilities. On a bank's T-account, assets will always equal liabilities plus net worth.