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Rhonda Rancher has applied for a loan. Her banker, Larry Loanmaker, says the old

ID: 2588392 • Letter: R

Question

Rhonda Rancher has applied for a loan. Her banker, Larry Loanmaker, says the old balance sheet on file must be brought up to date before a loan will be considered. Rhonda spends the rest of the afternoon taking inventory and gathering other information. Complete the balance sheet on the attached pages using the information below compiled by Rhonda on February 15 Milo on hand Hay on hand Growing wheat Farm mortgage (due 4/01) 4200 ewt. @$4.40 per cwt. 75 tons S50.00 per ton 280 acres S22.50 per acre S14,000 principal S20,000 accrued interest balance after 4/01 payment S208,000 Note payable on feeder cattle (all due 11/15) Calves (to be sold in May) Feeder cattle (to be sold in 60 days) Note payable at bank (all due 3/1) Vehicles Other machinery& equipment Loan on beef cows (due 10/01) 34,000 98 head @ $275 per head 138 head S575 per head S52,000 $15,500 S9,000 principal, S3,900 accrued interest balance after 10/1 payment S38,000 1020 acres $560 per acre 106 head S650 per head 4 head @ S1,000 cach S5,400 $4,200 S1,600 S2,000 200 shares S65 per share Land (present market value) Beef breeding cows Checking account balance Account payable at Joe's Feed & Seed Account receivabloe Shop Equip. (welder, lathe, drill press, etc.) Ford Motor Co. stock

Explanation / Answer

Answer:

1

What is Rhonda's owner's equity as of February 15, 2004?

   Answer: $560,630

Contributed capital

50,000

Retained earnings

305,000

Valuation adjustment*

205,630

Total equity

$560,630

___________________________________________________

2.            How much working capital does Rhonda have?           

Answer $16,530

Currrent Assets:

Current Liabilities:

Cash/checking acct.

$5,400

Account Payable

4,200

Marketable securities

13,000

Notes payable within 1 year

86,000

Inventories

Current portion of term debt

23,000

      Crops

22,230

Accured Interest

23,900

      Livestock

106,300

Income taxes payable

7,200

Accounts receivable

1,600

Other accrued expenses

0

Prepaid expenses

6,000

   Total Current Liabilities

$144,300

Investment in growing crops

6,300

Other current assets

0

Total Current Assets

$160,830

Noncurrent Liabiltiies:

working capital

=Current Assets - Current Liabelity

=160,830-144,300

=$16,530

_______________________________________________________

3.            What is her current ratio?

              Answer : 1.11

Current ratio

=Current Assets / Current Liabelity

=160,830/144,300

=1.11

__________________________________________________

4

What is her debt/asset ratio?                                                                                    

Answer__.41_________

Currrent Assets:

Current Liabilities:

Cash/checking acct.

$5,400

Account Payable

4,200

Marketable securities

13,000

Notes payable within 1 year

86,000

Inventories

Current portion of term debt

23,000

      Crops

22,230

Accured Interest

23,900

      Livestock

106,300

Income taxes payable

7,200

Accounts receivable

1,600

Other accrued expenses

0

Prepaid expenses

6,000

   Total Current Liabilities

$144,300

Investment in growing crops

6,300

Other current assets

0

Total Current Assets

$160,830

Noncurrent Liabiltiies:

Notes payable

   Machinery

0

Noncurrent Assets:

    Breeding Livestock

38,000

Real estate debt

208,000

Machines and equipment

98,000

Breeding livestock

72,900

Total Noncurrent Liabilities

$246,000

Buildings and improvments

48,000

Total Liabilities

$390,300

Land

571,200

Other noncurrent assets

0

Owner Equity:

Total Noncurrent Assets

$790,100

Total Assets

$950,930

Contributed capital

50,000

Retained earnings

305,000

Valuation adjustment*

205,630

Total equity

$560,630

Total liabilities and owner equity

$950,930

=debt/asset

=390,300 /950930

=0.41

_________________________________________________________

5.            What is her debt/equity ratio?

=debt/equity

=390,300 / 560,630

=0.70

Answer : 0.70

_________________________________________________________

6.     What is her equity/asset ratio?

equity/asset ratio

=560,630 /950,930

=0.59

Contributed capital

50,000

Retained earnings

305,000

Valuation adjustment*

205,630

Total equity

$560,630

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