The Effective Interest Method of Amortization

Up to this point, we’ve used the straight-line method to amortize a discount or premium. A more compli
cated method of amortization is the effective interest method. Because of its greater theoretical justification, he accounting profession has required the use of this method unless the straight-line approach provides results hat are not significantly different.

To calculate the periodic amortization, it is helpful to set up an amortization table.

A company issues a 4-year, $100,000 bond with a contract rate of 8% payable semiannually (4%). The market rate is The physical interest paid each period—4% of $100,000.


True interest expense—the market rate of 5% times the book value.

Amortization changes from period to period, unlike the straight-line method, which provides a constant amount.

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