Calculates bank's toxic assets (4)

I believe the answer is:

tots

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'assets' is the definition.
The answer and definition can be both to do with communicating as well as being verbs in their -s form.
Perhaps you can see an association between them that I don't see?

I don't understand the remainder of the clue.

Can you help me to learn more?

(Other definitions for tots that I've seen before include "Adds up for the youngsters" , "Finds the sum" , "Babies" , "Adds up like small children" , "Little drinks" .)

I've seen this clue in The Irish Times.

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