Snowflake Manufacturing [SM] has recently come to the bank you work for looking for a $280,000 long-tem loan. The following data was submitted with SM's loan application: 2019 $316,500 120,000 60,800 303,700 2020 $475,200 155,400 175,200 408,600 103,500 13,200 2021 $820,800 414,600 300,000 490,200 208,500 28,500 Current assets. Current liabilities Non-current liabilities. Shareholders' equity.. Operating income.. Interest expense.. Income tax expense.. Net income. 168,900 7,200 65,400 96,300 106,300 34,200 56,100 64,200 72,000 108,000 115,000 Operating cash flow The loan committee has asked you to analyze the data using at least three relevant financial ratios and complete a brief trend analysis. They would also like you to briefly discuss any limitations that might exist when completing this type of analysis and what data dashboards can do to help this. Finally, they have asked that your report also contain a recommendation about whether SM's loan request should be approved. Required: Prepare the report

The employee credit union at State University is planning the allocation of funds for the coming year. The credit union makes four types of loans to its members. In addition, the credit union invests in risk-free securities to stabilize income. The various revenue-producing investments together with annual rates of return are as follows. Type of Loan/Investment Automobile loans Furniture loans Other secured loans Signature loans Risk-free securities ● How should the $2,400,000 Automobile loans Furniture loans Other secured loans Signature loans Risk-free securities to LA The credit union will have $2,400,000 available for investment during the coming year. State laws and credit union policies impose the following restrictions on the composition of the loans and investments. LA Annual Rate of Return (%) • Risk-free securities may not exceed 30% of the total funds available for investment. Signature loans may not exceed 10% of the funds invested in all loans (automobile, furniture, other…

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Jolly Banker is calculating the loan price for a $500,000 operating loan to Kelly business. If approved, this loan will be funded with 35% equity capital, and the remaining funds will come from the bank's debt capital. You have the following information about your bank’s outlays: Administrative costs 0.45% Cost of debt 7.00% Cost of equity 5.00% Probability of loss 0.55% Fees paid by the borrower 1.00% Calculate the weighted average cost of debt for this funding request. (Enter your answer in percentage. Round your answer to 2 decimal places)

Bank A makes a loan of $10,000 to Company B at a 10% interest rate. Which of the following is the correct journal entry for Bank A the day the loan is made? Group of answer choices Option A.)Dr. Cash (+A) $10,000 Cr. Notes Payable (+L) $10,000 Option B) Cr. Notes Payable (+L) $10,000 Dr. Cash (+A) $10,000 Option C) Dr. Notes Receivable (+A) $10,000 Cr. Cash (-A) $10,000 Option D) Dr. Notes Receivable (+A) $11,000 Cr. Cash (-A) $11,000    ANSWER BEFORE 11:30!!

Let's say you are a credit analyst in the asset management department of a large bank or insurance company. The credit department is researching an investment in a syndicated loan made to a large firm.  The loan is an “amortized loan” with a 7% interest rate payable semi-annually.  The original term was 10 years.  For analytical purposes, assume the loan trades in $1000 increments.  What are the semi-annual payments on the loan?   * PLEASE USE EXCEL AND SHOW WHAT FUNCTIONS/FORMULAS YOU USED*

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