BUTLER LUMBER COMPANY 關於Butler Lumber Company(以下簡稱BLC)的借貸案，我們選擇站在Northrop National Bank(以下簡稱NNB)的角度來看是否該提供借貸，共考慮三個部份：1)BLC的徵信程度，2)BLC的財務報表狀況，3)BLC的擔保品品質。以下將針對這三方面來探討： 一、BLC的徵信程度 在評估借貸案時，NNB向幾家BLC的往來廠商發函調查，以作徵信之用。回函廠商皆對經營者有信心，以及對BLC本身的營運情況有著正面的看法。 接下來NNB需要評估BLC的財務報表，以了解實際的營運情況。 二、BLC的財務報表狀況 BLC 1988 1989 1990 負債比率 54.55% 58.70% 62.70% 流動比率 180.00% 158.93% 145.05% 速動比率 88.08% 72.00% 66.92% 現金對流動負債比率 22.31% 12.80% 7.66% 存貨週轉天數 71.755 69.631 應收帳款週轉天數
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The Wisconsin identity has been shaped and molded throughout its history largely due to the lumber industry. Lumbering‚ at one time‚ was the backbone of the Wisconsin economy. It brought forth other industries such as paper‚ leather‚ and furniture; it even brought hundreds of thousands of people to the state in search of occupation and opportunities. The development of this industry can be largely contributed to the geography and resources that Wisconsin has to offer. From the idea of honest work
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Butler Lumber Company I. Statement of Financial Problem Butler Lumber Company is facing the internal risk of not having enough borrowing power to continue operations as desired. The owner of the company has established a relationship with a new bank to increase their borrowing power‚ however‚ based on Butler Lumber Company’s past Operating Statement and Balance Sheet‚ the company is expecting to continue substantial growth without considering external risks that may affect their business. Currently
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Mark Butler‚ sole owner and president of the Butler Lumber Company has approached George Dodge of the Northrop National Bank with a request for a loan of $465‚000 to finance the company’s anticipated growth in the near future. The company’s current bank cannot provide it with an amount higher than $250‚000‚ a figure too low to meet its substantially large working capital requirements. It is for this reason that Mr. Butler is seeking the new banking relationship. The problem that lies before‚ Mr.
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http://www.dailymotion.com/video/xbgioh_the-lumber-room-by-hector-hugh-munr_creation The Lumber Room Saki THE children were to be driven‚ as a special treat‚ to the sands at Jagborough. Nicholas was not to be of the party; he was in disgrace. Only that morning he had refused to eat his wholesome bread-and-milk on the seemingly frivolous ground that there was a frog in it. Older and wiser and better people had told him that there could not possibly be a frog in his bread-and-milk and that he
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Clarkson Lumber Company Dishaun Aboulatifa‚ Ryan Domingo‚ Nathan Lugo‚ Erika Villaneda‚ and Heather Williams California State University‚ Los Angeles The Clarkson Lumber Company was established in 1981 which began as a partnership amongst Keith Clarkson and his brother-in-law Henry Holtz. The Lumber Company was located in the Pacific Northwest in a large city in a growing suburb. The company is known for their distribution of lumber goods in the local area‚ where they have access to railroads
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------------------------------------------------- PRECIS The text under analysis “The Lumber-room” written by Hector Munro is the problem psychological story which revolves around a little orphan Nicholas and his tyrannical and dull-witted aunt‚ who because of the cruel methods of education couldn’t not only find approach to children‚ but also understand their soul. The conflict between the aunt and the nephew as if the conflict between prose and poetry. But softness‚ purity and tenderness of soul
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CASE SUMMARY Date: 1/29/12 Case Title: Clarkson Lumber Company (CLC) (1) Background: CLC was founded in 1981 by Mr. Clarkson and brother-in-law Henry Holtz in the Pacific Northwest. The company has experienced rapid growth over the recent years and it is anticipated to continue. Mr. Clarkson bought out Mr. Holtz for $200‚000 to become the sole owner. This resulted in the need of more cash inflow from the bank. Even with consistent profits‚ the company has suffered a shortage of cash
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Objective National Bank of Canada ("NBC" or "the Bank") is tasked with the decision to review Dawson Lumber Company Limited ’s ("Dawson") request for an increase in its line of credit up to the amount of $10.8mm. Dawson intends to finance inventory and receivables with the line of credit. NBC must remain cognizant of the competitive landscape of the lumber industry and assess whether a focus on the retail segment is beneficial to Dawson ’s strategic plan. Given that Dawson is one of the region
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‚ and living for the moment. At the same time‚ the Renaissance was also filled with great spiritual journeys. John Milton‚ and John Bunyan both had stories about spiritual journeys. The Fall of Satan From Paradise Lost ‚ The Pilgrim’s Progress‚ and Mcbeth are all great examples of the Renaissance showing their true spiritual colors. It seems that Milton and Bunyan both represent the Renaissance with their show of spiritual belief. John Milton was a great writer during the era of the Renaissance
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