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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Butler Lumber Company Background: Butler Lumber Company was founded in 1981‚ in a large city in the Pacific Northwest. Typical products of the company included plywood‚ moldings‚ and sash and door products. After a rapid growth in its business during recent years‚ the company in the spring of 1991 anticipated a further substantial increase in sales. Despite good profits the company experienced a shortage in cash and found it necessary to increase its bank borrowings. Issues: • Butler Lumber
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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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lumber-room The story under analysis was written by Hector Munro‚ a British novelist and a short-story writer. After his parents’ death he was brought up by a grandmother and two aunts‚ one of them was a woman of ungovernable temper‚ of fierce likes and dislikes‚ imperious and a moral coward. She was the last person who should have been in charge of children. The character of the aunt in The Lumber-Room is Aunt Augusta to the life. The story is about a little boy Nikolas who lives with his cruel
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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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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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Clarkson Lumber Co. 1. Why does Mr. Clarkson have to borrow to support this profitable business? A. This company now faced the cash shortage trouble which we can see from its liquidity‚ such as current ratios‚ quick ratios and return on sales for these three years‚ following a decreasing trend. From accounts receivable statistics‚ we learn the cash inflows is decreasing since it takes longer time to collect the money from customers. And they still need to pay for purchases‚ so borrowing from
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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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