Almost, average Joe..
There is a "target balance" to be maintained to cover expenses that are incurred in between assemblies. ("might include the costs associated with a circuit overseer’s residence, the anticipated travel cost of the branch representative, or the rental of a facility in connection with the next assembly")
"Expenses that will be incurred during the next assembly, such as a per-publisher contribution that is made for the use of an Assembly Hall, should not be included in the target balance"
Any excess funds are to be donated to the world wide work.
So you can see that the assembly should be starting with an account balance of 0 but also with a deficit in the amount of per-publisher contribution.
Funny thing about all of that is that yes, you can make an interest free loan to HQ if there are excess funds, but all excess funds over the target balance at the end of the assembly are to be donated to the WWW, so there should never be any money to loan in the first place. Maybe they would loan the "target balance" in between assemblies, it's all online and should be easy to give/get but the instructions are not specific as to how they would have extra money (they already have excess funds to www)
Good to see straight from the whoreses mouth that they are still doing the per-publisher charge. If only the pubs knew...