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Sample Test

Chapter 03

Working with Financial Statements

 

 

Multiple Choice Questions

 

1.   Common-size financial statements present all balance sheet account values as a percentage of:

2.   the forecasted budget.

3.   sales.

4.   total equity.

5.   total assets.

6.   last year’s account value.

 

2.   The ratios that are based on financial statement values and used for comparison purposes are called:

3.   financial ratios.

4.   industrial statistics.

5.   equity standards.

6.   accounting returns.

7.   analytical standards.

 

3.   The Du Pont identity can be totally defined by which one of the following?

4.   Return on equity, total asset turnover, and equity multiplier

5.   Equity multiplier and return on assets

6.   Profit margin and return on equity

7.   Total asset turnover, profit margin, and debt-equity ratio

8.   Equity multiplier, return on assets, and profit margin

 

4.   Which one of the following is the maximum growth rate that a firm can achieve without any additional external financing?

5.   Du Pont rate

6.   External growth rate

7.   Sustainable growth rate

8.   Internal growth rate

9.   Cash flow rate

 

 

5.   The sustainable growth rate is defined as the maximum rate at which a firm can grow given which of the following conditions?

6.   No new external financing of any kind

7.   No new debt but additional external equity equal to the increase in retained earnings

8.   New debt and external equity in equal proportions

9.   New debt and external equity, provided the debt-equity ratio remains constant

10.                No new equity and a constant debt-equity ratio

 

6.   Which one of the following is the abbreviation for the U.S. government coding system that classifies a firm by its specific type of business operations?

7.   BEC

8.   SED

9.   BID

10.                SIC

11.                SBC

 

7.   Builder’s Outlet just hired a new chief financial officer. To get a feel for the company, she wants to compare the firm’s sales and costs over the past 3 years determine if any trends are present and also determine where the firm might need to make changes. Which one of the following statements will best suit her purposes?

8.   Income statement

9.   Balance sheet

10.                Common-size income statement

11.                Common-size balance sheet

12.                Statement of cash flows

 

8.   A common-size balance sheet helps financial managers determine:

9.   which customers are paying on a timely basis.

10.                if costs are increasing faster or slower than sales.

11.                if changes are occurring in a firm’s mix of assets.

12.                if a firm is generating more or less sales per dollar of assets than in prior years.

13.                the rate at which the firm’s dividends are changing.

 

 

9.   High Tower Pharmacy pays a fixed percentage of its net income out to its shareholders in the form of annual dividends. Given this, the percent shown on a common-size income statement for the dividend account will:

10.                remain constant over time.

11.                be equal to the dividend amount divided by the net income.

12.                vary in direct relation to the net profit percentage.

13.                vary in direct relation to changes in the sales level.

14.                vary but not in direct relation to any other variable.

 

10.                Which one of the following transactions will increase the liquidity of a firm?

11.                Cash purchase of new production equipment

12.                Payment of an account payable

13.                Cash purchase of inventory

14.                Credit sale of inventory at cost

15.                Cash payment of employee wages

 

11.                Which one of the following actions will increase the current ratio, all else constant? Assume the current ratio is greater than 1.0.

12.                Cash purchase of inventory

13.                Cash payment of an account receivable

14.                Cash payment of an account payable

15.                Credit sale of inventory at cost

16.                Cash sale of inventory at a loss

 

12.                A firm has a current ratio of 1.4 and a quick ratio of 0.9. Given this, you know for certain that the firm:

13.                pays cash for its inventory.

14.                has more than half its current assets invested in inventory.

15.                has more cash than inventory.

16.                has more current liabilities than it does current assets.

17.                has positive net working capital.

 

 

13.                Fred is the owner of a local feed store. Which one of the following ratios should he compute if he wants to know how long the store can pay its bills given the amount of cash the store currently has?

14.                Current ratio

15.                Debt ratio

16.                Cash coverage ratio

17.                Quick ratio

18.                Cash ratio

 

14.                Which one of the following is a measure of long-term solvency?

15.                Price-earnings ratio

16.                Profit margin

17.                Equity multiplier

18.                Receivables turnover

19.                Quick ratio

 

15.                The cash coverage ratio is used to evaluate the:

16.                liquidity of a firm.

17.                speed at which a firm generates cash.

18.                length of time that a firm can pay its bills if no additional cash becomes available.

19.                ability of a firm to pay the interest on its debt.

20.                relationship between the firm’s cash balance and its current liabilities.

 

16.                The equity multiplier is equal to:

17.                one plus the debt-equity ratio.

18.                one plus the total asset turnover.

19.                total debt divided by total equity.

20.                total equity divided by total assets.

21.                one divided by the total asset turnover.

 

 

17.                Blooming Gardens has an inventory turnover of 16. This means the firm:

18.                sells its entire inventory every 16 days.

19.                only stocks its inventory every 16 days.

20.                buys 16 days of inventory with each order.

21.                sells its inventory by granting customers 16 days credit.

22.                sells its inventory an average of 16 times each year.

 

18.                Which one of the following best indicates a firm is utilizing its assets more efficiently than it has in the past?

19.                Decrease in the total asset turnover

20.                Decrease in the capital intensity ratio

21.                Increase in days’ sales in receivables

22.                Decrease in the profit margin

23.                Decrease in the inventory turnover rate

 

19.                Kelso’s Pharmacy generates $2 in sales for every $1 the firm has invested in total assets. Which one of the following ratios would reflect this relationship?

20.                Receivables turnover

21.                Equity multiplier

22.                Profit margin

23.                Return on assets

24.                Total asset turnover

 

20.                Which one of the following will increase the profit margin of a firm, all else constant?

21.                Increase in interest paid

22.                Increase in fixed costs

23.                Increase in depreciation expense

24.                Decrease in the tax rate

25.                Decrease in sales

 

 

21.                You would like to borrow money three years from now to build a new building. In preparation for applying for that loan, you are in the process of developing target ratios for your firm. Which set of ratios represents the best target mix considering that you want to obtain outside financing in the relatively near future?

22.                Times interest earned = 1.7; debt-equity ratio = 1.6

23.                Times interest earned = 1.5; debt-equity ratio = 1.2

24.                Cash coverage ratio = 0.8; debt-equity ratio = 0.8

25.                Cash coverage ratio = 2.6; debt-equity ratio = 0.3

26.                Cash coverage ratio = 0.5; total debt ratio = 0.2

 

22.                All else constant, which one of the following will decrease if a firm increases its net income?

23.                Return on assets

24.                Profit margin

25.                Return on equity

26.                Price-sales ratio

27.                Price-earnings ratio

 

23.                Which one of the following statements is true concerning the price-earnings (PE) ratio?

24.                A high PE ratio may indicate that a firm is expected to grow significantly.

25.                A PE ratio of 16 indicates that investors are willing to pay $1 for every $16 of current earnings.

26.                PE ratios are unaffected by the accounting methods employed by a firm.

27.                The PE ratio is classified as a profitability ratio.

28.                The PE ratio is a constant value for each firm.

 

24.                New Century Products is a company that was founded last year. While the outlook for the company is positive, it currently has negative earnings. If you wanted to measure the progress of this firm, which one of the following ratios would probably be best to monitor given the firm’s current situation?

25.                Price-sales ratio

26.                Market-to-book ratio

27.                Profit margin

28.                ROE

29.                ROA

 

 

25.                The Du Pont identity can be used to help a financial manager determine the:

26.                degree of financial leverage used by a firm.

27.                operating efficiency of a firm.

III. utilization rate of a firm’s assets.

1.   rate of return on a firm’s assets.

2.   II and III only

3.   I and III only

4.   II, III, and IV only

5.   I, II, and III only

6.   I, II, III, and IV

 

26.                The T-shirt Hut successfully managed to reduce its general and administrative costs this year. This cost improvement will increase which of the following ratios?

27.                Profit margin

28.                Return on assets

III. Total asset turnover

1.   Return on equity

2.   I and II only

3.   I and III only

4.   II, III, and IV only

5.   I, II, and IV only

6.   I, II, III, and IV

 

27.                Martha’s Sweet Shop reduced its fixed assets this year without affecting the shop’s operations, sales, or equity. This reduction will increase which of the following ratios?

28.                Capital intensity ratio

29.                Return on assets

III. Total asset turnover

1.   Return on equity

2.   I and II only

3.   II and III only

4.   II, III, and IV only

5.   I, II, and IV only

6.   I, II, III, and IV

 

 

28.                Donovan Brothers, Inc. would like to increase its internal rate of growth. Decreasing which one of the following will help the firm achieve its goal?

29.                Return on assets

30.                Net income

31.                Retention ratio

32.                Dividend payout ratio

33.                Return on equity

 

29.                If a firm has a 100 percent dividend payout ratio, then the internal growth rate of the firm is:

30.                zero percent.

31.                100 percent.

32.                equal to the ROA.

33.                negative.

34.                infinite.

 

30.                Which of the following are determinants of a firm’s sustainable rate of growth?

31.                Amount of sales generated from each dollar invested in assets

32.                Amount of debt per dollar of equity

III. Amount of current assets per dollar of current liabilities

1.   Percent of net income distributed as dividends

2.   I and III only

3.   II and IV only

4.   I, II, and IV only

5.   II, III, and IV only

6.   I, II, III, and IV

 

 

31.                Which of the following will increase the sustainable rate of growth for a firm?

32.                Decreasing the profit margin

33.                Increasing the dividend payout ratio

III. Decreasing the capital intensity ratio

1.   Increasing the target debt-equity ratio

2.   I and II only

3.   III and IV only

4.   II and IV only

5.   I, III, and IV only

6.   I, II, III, and IV

 

32.                Financial statement analysis:

33.                is primarily used to identify account values that meet the normal standards.

34.                is limited to internal use by a firm’s managers.

35.                provides useful information that can serve as a basis for forecasting future performance.

36.                provides useful information to shareholders but not to debt holders.

37.                is enhanced by comparing results to those of a firm’s peers but not by comparing results to prior periods.

 

33.                Which one of the following statements is correct?

34.                Peer group analysis is easier when a firm is a conglomerate versus when it only has a single

35.                line of business.

36.                Peer group analysis is easier when seasonal firms have different fiscal years.

37.                Peer group analysis is simplified when firms use varying methods of depreciation.

38.                Comparing results across geographic locations is easier since all countries now use a common

39.                set of accounting standards.

40.                Adjustments have to be made when comparing the income statements of firms which use different methods of accounting for inventory.

 

 

34.                Russell’s Hardware has inventory of $218,000, equity of $421,800, total assets of $647,700, and sales of $587,200. What is the common-size percentage for the inventory account?

35.                26.81 percent

36.                33.66 percent

37.                37.12 percent

38.                49.09 percent

39.                51.68 percent

 

35.                A firm has inventory of $11,400, accounts payable of $9,800, cash of $850, net fixed assets of $12,150, long-term debt of $9,500, accounts receivable of $6,600, and total equity of $11,700. What is the common-size percentage for the net fixed assets?

36.                19.60 percent

37.                26.67 percent

38.                39.19 percent

39.                42.08 percent

40.                48.75 percent

 

36.                Foreign Travel Services has net income of $48,400, total assets of $219,000, total equity of $154,800, and total sales of $311,700. What is the common-size percentage for the net income?

37.                9.00 percent

38.                13.90 percent

39.                15.53 percent

40.                22.10 percent

41.                31.27 percent

 

37.                Delmont Movers has a profit margin of 6.2 percent and net income of $48,900. What is the common-size percentage for the cost of goods sold if that expense amounted to $379,000 for the year?

38.                12.90 percent

39.                23.50 percent

40.                33.25 percent

41.                41.06 percent

42.                48.05 percent

 

 

38.                A firm has sales of $428,000 for the year. The profit margin is 3.4 percent and the retention ratio is 60 percent. What is the common-size percentage for the dividends paid?

39.                0.99 percent

40.                1.18 percent

41.                1.21 percent

42.                1.36 percent

43.                1.42 percent

 

39.                Peter’s Motor Works has total assets of $689,400, long-term debt of $299,500, total equity of $275,000, net fixed assets of $497,800, and sales of $721,500. The profit margin is 4.6 percent. What is the current ratio?

40.                0.60

41.                0.91

42.                1.01

43.                1.67

44.                2.16

 

40.                Healthy Foods has total assets of $129,800, net fixed assets of $71,500, long-term debt of $52,000, and total debt of $78,700. If inventory is $31,800, what is the current ratio?

41.                0.33

42.                0.46

43.                0.84

44.                1.18

45.                2.18

 

41.                A firm has net working capital of $3,800 and current assets of $11,700. What is the current ratio?

42.                0.34

43.                0.60

44.                1.48

45.                1.65

46.                2.92

 

 

42.                Slightly Used Goods has cash of $2,150, inventory of $28,470, fixed assets of $9,860, accounts payable of $11,900, and accounts receivable of $4,660. What is the cash ratio?

43.                0.08

44.                0.18

45.                0.32

46.                0.46

47.                0.51

 

43.                You are analyzing a company that has cash of $11,200, accounts receivable of $27,800, fixed assets of $124,600, accounts payable of $31,300, and inventory of $56,900. What is the quick ratio?

44.                0.30

45.                0.67

46.                0.80

47.                1.25

48.                1.37

 

44.                Tasty Dee-Lite has current liabilities of $6,630, net working capital of $2,180, inventory of $2,750, and sales of $36,800. What is the quick ratio?

45.                0.76

46.                0.84

47.                0.91

48.                1.09

49.                1.19

 

45.                Tressler Dry Cleaners has inventory of $1,700, accounts payable of $4,200, cash of $1,950, and accounts receivable of $3,680. What is the cash ratio?

46.                0.24

47.                0.46

48.                0.53

49.                0.98

50.                1.34

 

 

46.                Your firm has cash of $3,800, accounts receivable of $9,600, inventory of $33,100, and net working capital of $1,100. What is the cash ratio?

47.                0.04

48.                0.08

49.                0.87

50.                1.21

51.                3.45

 

47.                Wilson’s Realty has total assets of $46,800, net fixed assets of $37,400, current liabilities of $6,100, and long-term liabilities of $24,600. What is the total debt ratio?

48.                0.41

49.                0.60

50.                0.66

51.                0.78

52.                0.86

 

48.                Denton, Inc. has total equity of $389,600, long-term debt of $116,400, net working capital of $1,600, and total assets of $527,600. What is the total debt ratio?

49.                0.22

50.                0.26

51.                0.67

52.                1.49

53.                3.85

 

49.                A firm has total assets of $523,100, current assets of $186,500, current liabilities of $141,000, and total debt of $215,000. What is the debt-equity ratio?

50.                0.48

51.                0.70

52.                1.10

53.                1.43

54.                2.13

 

 

50.                The Jelly Jar has total assets of $79,600 and an equity multiplier of 1.35. What is the debt-equity ratio?

51.                0.28

52.                0.35

53.                0.47

54.                0.58

55.                0.67

 

51.                Underwood Homes Sales has total assets of $589,900 and total debt of $318,000. What is the equity multiplier?

52.                0.46

53.                0.54

54.                1.21

55.                1.85

56.                2.17

 

52.                A firm has an equity multiplier of 1.5. This means that the firm has a:

53.                debt-equity ratio of 0.67.

54.                debt-equity ratio of 0.33.

55.                total debt ratio of 0.50.

56.                total debt ratio of 0.67.

57.                total debt ratio of 0.33.

 

53.                Preston’s Market has sales of $213,600, total assets of $198,700, a debt-equity ratio of 1.6, and a profit margin of 2.4 percent. What is the equity multiplier?

54.                0.60

55.                0.63

56.                1.83

57.                2.60

58.                2.84

 

 

54.                Friendly’s Shoe Store has earnings before interest and taxes of $21,680 and net income of $12,542. The tax rate is 34 percent. What is the times interest earned ratio?

55.                0.88

56.                1.67

57.                3.09

58.                5.59

59.                8.10

 

55.                The Berry Patch has sales of $438,000, cost of goods sold of $369,000, depreciation of $37,400, and interest expense of $13,800. The tax rate is 35 percent. What is the times interest earned ratio?

56.                2.29

57.                3.46

58.                3.87

59.                4.38

60.                4.79

 

56.                A firm has net income of $5,890 and interest expense of $2,130. The tax rate is 34 percent. What is the firm’s times interest earned ratio?

57.                4.82

58.                5.19

59.                5.38

60.                5.67

61.                6.33

 

57.                A firm has net income of $31,300, depreciation of $5,100, taxes of $14,600, and interest paid of $3,100. What is the cash coverage ratio?

58.                8.78

59.                10.10

60.                14.14

61.                16.32

62.                17.45

 

 

58.                Blue Water Cafe has $28,700 in total assets, depreciation of $3,100, and interest of $1,400. The total asset turnover rate is 1.2. Earnings before interest and taxes are equal to 28 percent of sales. What is the cash coverage ratio?

59.                6.33

60.                7.51

61.                9.10

62.                10.23

63.                10.98

 

59.                The Global Network has sales of $418,700, cost of goods sold of $264,900, and inventory of $61,900. What is the inventory turnover rate?

60.                1.33

61.                4.28

62.                6.76

63.                7.14

64.                8.47

 

60.                The Tourist Stop takes an average of 63 days to sell its inventory and an average of 1.5 days to collect payment on its sales. What is the inventory turnover rate?

61.                5.79

62.                7.29

63.                8.68

64.                10.18

65.                11.42

 

61.                Galaxy Sales has sales of $746,700, cost of goods sold of $603,200, and inventory of $94,300. How long on average does it take the firm to sell its inventory?

62.                6.40 days

63.                7.23 days

64.                48.68 days

65.                57.06 days

66.                61.10 days

 

 

62.                Handy Hardware sells its inventory in 85 days, on average. Costs of goods sold for the year are $631,800. What is the average value of the firm’s inventory?

63.                $114,706

64.                $123,506

65.                $147,132

66.                $161,096

67.                $182,513

 

63.                Kessler, Inc. has accounts receivable of $31,600, total assets of $311,500, cost of goods sold of $208,400, and a capital intensity ratio of 1.08. What is the accounts receivables turnover rate?

64.                8.99

65.                9.13

66.                9.42

67.                9.61

68.                9.72

 

64.                It takes The Corner Store an average of 51 days to sell its inventory and 32 days to collect its accounts receivable. The firm has sales of $568,700 and costs of goods sold of $398,800. What is the accounts receivable turnover rate?

65.                11.23

66.                11.41

67.                11.78

68.                12.23

69.                12.55

 

65.                Textile Mills has sales of $923,000, cost of goods sold of $748,000, and accounts receivable of $106,700. How long on average does it take the firm’s customers to pay for their purchases?

66.                8.65 days

67.                11.28 days

68.                25.01 days

69.                42.19 days

70.                45.33 days

 

 

66.                A firm has $42,900 in receivables and $211,800 in total assets. The total asset turnover rate is 1.45 and the profit margin is 4.2 percent. How long on average does it take the firm to collect its receivables?

67.                7.16 days

68.                9.45 days

69.                11.68 days

70.                31.25 days

71.                50.99 days

 

67.                Aardvaark & Co. has sales of $291,200, cost of goods sold of $163,300, net profit of $11,360, net fixed assets of $154,500, and current assets of $89,500. What is the total asset turnover rate?

68.                1.08

69.                1.11

70.                1.19

71.                1.24

72.                1.28

 

68.                Holiday House has sales of $648,000, a profit margin of 6.1 percent, and a capital intensity ratio of 0.84. What is the total asset turnover rate?

69.                1.04

70.                1.08

71.                1.13

72.                1.19

73.                1.26

 

69.                Martha’s Fabric House has sales of $137,200, total equity of $74,400, and a debt-equity ratio of 0.45. What is the capital intensity ratio?

70.                0.79

71.                0.83

72.                1.06

73.                1.20

74.                1.27

 

 

70.                Circle Stores has net income of $41,000, a profit margin of 6.7 percent, and a return on assets of 9 percent. What is the capital intensity ratio?

71.                0.74

72.                0.86

73.                1.16

74.                1.34

75.                1.38

 

71.                Tally Ho Inn has annual sales of $737,000. Earnings before interest and taxes is equal to 21 percent of sales. For the period, the firm paid $7,900 in interest. What is the profit margin if the tax rate is 35 percent?

72.                12.46 percent

73.                12.95 percent

74.                13.33 percent

75.                15.29 percent

76.                16.11 percent

 

72.                The Medicine Cabinet has a return on equity of 18.2 percent, a profit margin of 11.6 percent, and total equity of $738,000. What is the net income?

73.                $85,608

74.                $113,875

75.                $134,316

76.                $142,311

77.                $149,897

 

73.                The Next Life has sales of $428,300, total assets of $389,100, and a profit margin of 6.2 percent. What is the return on assets?

74.                6.29 percent

75.                6.54 percent

76.                6.83 percent

77.                7.01 percent

78.                7.27 percent

 

 

74.                Goshen Industrial Sales has sales of $828,900, total equity of $539,200, a profit margin of 4.6 percent and a debt-equity ratio of 0.55. What is the return on assets?

75.                3.89 percent

76.                4.56 percent

77.                6.67 percent

78.                12.86 percent

79.                13.33 percent

 

75.                Cross Hairs Gun Shop has sales of $189,000, a profit margin of 4.8 percent, and a capital intensity ratio of 0.79. What is the return on assets?

76.                5.67 percent

77.                6.08 percent

78.                6.39 percent

79.                6.42 percent

80.                6.67 percent

 

76.                Freedom Health Centers has total equity of $861,300, sales of $1.48 million, and a profit margin of 5.2 percent. What is the return on equity?

77.                5.82 percent

78.                6.49 percent

79.                7.18 percent

80.                8.68 percent

81.                8.94 percent

 

77.                The Closet Shoppe has total sales of $713,200 and a profit margin of 5.8 percent. Currently, the firm has 12,500 shares outstanding. What are the earnings per share?

78.                $2.98

79.                $3.31

80.                $3.56

81.                $3.89

82.                $4.02

 

 

78.                Baxter & Baxter has total assets of $710,000. There are 45,000 shares of stock outstanding with a market value of $28 a share. The firm has a profit margin of 7.1 percent and a total asset turnover of 1.29. What is the price-earnings ratio?

79.                16.38

80.                17.99

81.                19.38

82.                20.12

83.                22.41

 

79.                Ratzell’s Place has a market-to-book ratio of 2.7, net income of $68,400, a book value per share of $37, and 45,000 shares of stock outstanding. What is the price-earnings ratio?

80.                24.34

81.                28.16

82.                55.10

83.                59.09

84.                65.72

 

80.                The Green House has a profit margin of 5.6 percent on sales of $311,200. The firm currently has 15,000 shares of stock outstanding at a market price of $11.60 per share. What is the price-earnings ratio?

81.                9.98

82.                10.02

83.                11.50

84.                11.93

85.                12.84

 

81.                A firm has sales of $311,000 and net income of $21,600. Currently, there are 18,000 shares outstanding at a market price of $36 per share. What is the price-sales ratio?

82.                2.08

83.                3.11

84.                4.26

85.                5.15

86.                6.95

 

 

82.                The common stock of The Burger Hut is selling for $16.25 a share. The company has earnings per share of $0.42 and a book value per share of $9.28. What is the market-to-book ratio?

83.                1.58

84.                1.69

85.                1.75

86.                1.87

87.                1.92

 

83.                Swanton Foods has a book value per share of $12.68, earnings per share of $1.21, and a price-earnings ratio of 17.6. What is the market-to-book ratio?

84.                1.32

85.                1.68

86.                1.99

87.                2.47

88.                2.61

 

84.                The Inside Door has total debt of $78,600, total equity of $214,000, and a return on equity of 14.5 percent. What is the return on assets?

85.                9.14 percent

86.                10.61 percent

87.                21.45 percent

88.                34.61 percent

89.                39.48 percent

 

85.                The Noodle Place has total assets of $123,800, a debt-equity ratio of 0.65, and net income of $7,100. What is the return on equity?

86.                3.48 percent

87.                3.73 percent

88.                8.01 percent

89.                9.46 percent

90.                13.61 percent

 

 

86.                Computer Geeks has sales of $521,000, a profit margin of 14.8 percent, a total asset turnover rate of 2.16, and an equity multiplier of 1.30. What is the return on equity?

87.                8.91 percent

88.                12.67 percent

89.                18.28 percent

90.                32.11 percent

91.                41.56 percent

 

87.                Morrison Motors has total equity of $289,100 and net income of $64,500. The debt-equity ratio is 0.45 and the total asset turnover is 1.6. What is the profit margin?

88.                3.10 percent

89.                5.23 percent

90.                5.67 percent

91.                8.21 percent

92.                9.62 percent

 

88.                A firm has net income of $114,000, a return on assets of 12.6 percent, and a debt-equity ratio of 0.60. What is the return on equity?

89.                17.11 percent

90.                18.98 percent

91.                20.16 percent

92.                22.20 percent

93.                24.60 percent

 

89.                The Blue Lantern has a return on equity of 17.8 percent, an equity multiplier of 1.9, and a total asset turnover of 1.45. What is the profit margin?

90.                2.76 percent

91.                3.57 percent

92.                4.90 percent

93.                5.28 percent

94.                6.46 percent

 

 

90.                The Saw Mill has a return on assets of 6.1 percent, a total asset turnover rate of 1.8, and a debt-equity ratio of 1.6. What is the return on equity?

91.                4.26 percent

92.                9.76 percent

93.                12.28 percent

94.                15.86 percent

95.                19.03 percent

 

91.                Webster & Jones has net income of $49,200, sales of $936,800, a capital intensity ratio of 0.74, and an equity multiplier of 1.5. What is the return on equity?

92.                6.67 percent

93.                8.98 percent

94.                10.65 percent

95.                12.21 percent

96.                14.09 percent

 

92.                New Steel Products has total assets of $991,000, a total asset turnover rate of 1.1, a debt-equity ratio of 0.6, and a return on equity of 8.7 percent. What is the firm’s net income?

93.                $53,885.63

94.                $58,303.33

95.                $64,624.14

96.                $70,548.09

97.                $77,236.67

 

93.                Eastern Hardwood Sales has total equity of $89,000, a profit margin of 4.8 percent, an equity multiplier of 1.5, and a total asset turnover of 1.3. What is the amount of the firm’s sales?

94.                $168,200

95.                $173,550

96.                $181,430

97.                $185,620

98.                $187,500

 

 

94.                Tessler Farms has a return on equity of 12.71 percent, a debt-equity ratio of 0.75, and a total asset turnover of 0.9. What is the return on assets?

95.                7.26 percent

96.                8.06 percent

97.                13.67 percent

98.                15.24 percent

99.                17.41 percent

 

95.                A firm earns $0.17 in profit for every $1 of equity in the firm. The company borrows $0.60 for every $1 of equity. What is the firm’s return on assets?

96.                10.63 percent

97.                13.53 percent

98.                25.15 percent

99.                26.07 percent

100.             28.33 percent

 

96.                The Veggie Hut has net income of $26,400, total equity of $102,700, and total assets of $189,500. The dividend payout ratio is 0.30. What is the internal growth rate?

97.                7.99 percent

98.                8.57 percent

99.                10.81 percent

100.             16.87 percent

101.             21.94 percent

 

97.                Quick Foods has sales of $238,900, total assets of $217,000, total equity of $121,300, net income of $18,700, and dividends paid of $6,000. What is the internal growth rate?

98.                5.48 percent

99.                6.22 percent

100.             6.67 percent

101.             7.34 percent

102.             7.92 percent

 

 

98.                A firm has adopted a policy whereby it will not seek any additional external financing. Given this, what is the maximum growth rate for the firm if it has net income of $12,100, total equity of $94,000, total assets of $156,000, and a 40 percent dividend payout ratio?

99.                4.88 percent

100.             5.11 percent

101.             6.62 percent

102.             7.67 percent

103.             8.37 percent

 

99.                Underwood Enterprises earns $0.07 in profit on every $1 of sales and has $0.67 in assets for every $1 of sales. The firm pays out 20 percent of its profits to its shareholders. What is the internal growth rate?

100.             6.37 percent

101.             7.76 percent

102.             8.80 percent

103.             9.12 percent

104.             9.65 percent

 

100.             Joshua’s Antiques has a total asset turnover rate of 1.2, an equity multiplier of 1.4, a profit margin of 5 percent, a retention ratio of 0.8, and total assets of $120,000. What is the sustainable growth rate?

101.             6.98 percent

102.             7.20 percent

103.             7.33 percent

104.             7.54 percent

105.             7.91 percent

 

101.             A firm has a return on equity of 16 percent, a return on assets of 11 percent, and a 40 percent dividend payout ratio. What is the sustainable growth rate?

102.             5.72 percent

103.             6.84 percent

104.             7.12 percent

105.             9.58 percent

106.             10.62 percent

 

 

102.             Valentino’s maintains a constant debt-equity ratio of 0.45. The firm had net income of $11,800 for the year and paid $6,500 in dividends. The firm has total assets of $92,000. What is the sustainable growth rate?

103.             7.38 percent

104.             8.27 percent

105.             9.11 percent

106.             9.62 percent

107.             10.38 percent

 

103.             The Donut Hut has sales of $68,000, current assets of $11,300, net income of $5,100, net fixed assets of $54,900, total debt of $23,800, and dividends of $800. What is the sustainable growth rate?

104.             10.48 percent

105.             11.29 percent

106.             11.79 percent

107.             12.08 percent

108.             12.39 percent

 

104.             Last year, a firm earned $31,200 in net income on sales of $217,600. The company paid $7,500 in dividends. What is the dividend payout ratio?

105.             3.45 percent

106.             4.71 percent

107.             14.34 percent

108.             22.85 percent

109.             24.04 percent

 

105.             Last year, Blakely’s Fashions earned net income of $68,400 and had 12,000 shares of stock outstanding. The dividends per share were $2.20. What is the dividend payout ratio?

106.             32.98 percent

107.             34.00 percent

108.             38.60 percent

109.             40.21 percent

110.             44.14 percent

 

 

106.             Gabriel Furniture has a profit margin of 8.2 percent and a dividend payout ratio of 30 percent. What is the plowback ratio?

107.             10.66 percent

108.             27.33 percent

109.             54.60 percent

110.             70.00 percent

111.             78.20 percent

 

107.             Town Centre Market has sales of $311,800, a profit margin of 2.9 percent, and dividends of $4,500. What is the plowback ratio?

108.             46.32 percent

109.             49.78 percent

110.             50.23 percent

111.             51.15 percent

112.             53.68 percent

 

 

108.             Use the following financial information to answer this question.

 

 

 

What are the values of the three components of the DuPont identity? Use ending balance sheet values.

1.   0.15; 1.02; 0.35

2.   0.15; 2.02; 0.35

3.   0.15; 0.98; 2.86

4.   0.16; 0.98; 0.35

5.   0.16; 1.02; 2.86

 

 

109.             Global Ventures has a return on equity of 9.8 percent, a retention ratio of 60 percent, and a profit margin of 4.5 percent. The company paid $378 in dividends and has net working capital of $100. Net fixed assets are $18,550 and current liabilities are $520. What is the total equity of the firm?

110.             $6,457

111.             $6,890

112.             $7,360

113.             $9,643

114.             $11,480

 

 

 

Essay Questions

 

110.             Assume this is your first day on the job as the new chief financial officer of a mid-size company. Identify the three key ratios that you would compute first as you begin to try to understand the financial status of the firm. Explain why you selected the three ratios that you did.

 

 

 

 

 

 

 

111.             You are trying to compare the financial performance of your firm to that of similar firms. What are some of the key problems you might encounter in doing this comparison?

 

 

 

 

 

 

 

 

112.             Explain why the DuPont identity is so useful to a financial manager.

 

 

 

 

 

 

 

113.             Since there are no perfect or ideal standard ratios for a firm, why is ratio analysis still considered a valuable management tool?

 

 

 

 

 

 

 

 

 

Multiple Choice Questions

 

114.             Peterboro Supply has a current accounts receivable balance of $391,648. Credit sales for the year just ended were $5,338,411. How long did it take on average for credit customers to pay off their accounts during the past year?

115.             24.78 days

116.             26.78 days

117.             29.09 days

118.             31.15 days

119.             33.33 days

 

115.             Sunshine Rentals has a debt-equity ratio of 0.84. Return on assets is 7.9 percent, and total equity is $438,000. What is the net income?

116.             $41,147.09

117.             $54,311.29

118.             $63,667.68

119.             $48,887.02

120.             $50,458.95

 

 

116.             Turner’s Store had a profit margin of 6.8 percent, sales of $898,200, and total assets of $798,000. If management set a goal of increasing the total asset turnover to 1.40 times, what would the new sales figure need to be, assuming no increase in total assets?

117.             $860,333

118.             $984,320

119.             $1,088,500

120.             $1,117,200

121.             $1,257,480

 

117.             True Blue Transport has a current stock price of $27. For the past year, the company had net income of $2,187,400, total equity of $13,892,300, sales of $26,511,000, and 2.5 million shares outstanding. What is the market-to-book ratio?

118.             3.54

119.             3.81

120.             3.99

121.             4.27

122.             4.86

 

118.             Taylor, Inc. has sales of $11,898, total assets of $9,315, and a debt-equity ratio of 0.55. If its return on equity is 14 percent, what is its net income?

119.             $841.35

120.             $887.16

121.             $904.10

122.             $911.16

123.             $927.46

 

119.             Mercier United has net income of $128,470. There are currently 32.67 days’ sales in receivables. Total assets are $1,419,415, total receivables are $122,306, and the debt-equity ratio is 0.40. What is the return on equity?

120.             11.42 percent

121.             12.67 percent

122.             13.09 percent

123.             13.48 percent

124.             15.03 percent

 

 

120.             For the most recent year, Wilson Enterprises had sales of $689,000, cost of goods sold of $470,300, depreciation expense of $61,200, and additions to retained earnings of $48,560. The firm currently has 12,000 shares of common stock outstanding, and the previous year’s dividends per share were $1.18. Assuming a 35 percent tax rate, what was the times interest earned ratio?

121.             1.47

122.             2.09

123.             2.58

124.             3.15

125.             3.67

 

121.             A fire has destroyed a large percentage of the financial records of the Strongwell Co. You have the task of piecing together information in order to release a financial report. You have found the return on equity to be 13.8 percent. Sales were $979,000, the total debt ratio was 0.42, and total debt was $548,000. What is the return on assets?

122.             6.92 percent

123.             8.00 percent

124.             8.45 percent

125.             9.03 percent

126.             9.29 percent

 

122.             Donegal’s Industrial Products wishes to maintain a growth rate of 6 percent a year, a debt-equity ratio of 0.45, and a dividend payout ratio of 30 percent. The ratio of total assets to sales is constant at 1.25. What profit margin must the firm achieve?

123.             4.68 percent

124.             5.29 percent

125.             6.33 percent

126.             6.97 percent

127.             8.19 percent

 

 

123.             A firm wishes to maintain an internal growth rate of 4.5 percent and a dividend payout ratio of 60 percent. The current profit margin is 7.5 percent and the firm uses no external financing sources. What must the total asset turnover be?

124.             0.98

125.             1.06

126.             1.21

127.             1.44

128.             1.59

 

 

 

Chapter 03 Working with Financial Statements Answer Key

 

 

 

Multiple Choice Questions

 

1.   Common-size financial statements present all balance sheet account values as a percentage of:

2.   the forecasted budget.

3.   sales.

4.   total equity.

5.   total assets.

6.   last year’s account value.

Refer to section 3.1.

 

 

Bloom’s: Knowledge

Difficulty: Basic

Learning Objective: 03-01 Standardize financial statements for comparison purposes.

Section: 3.1

Topic: Common-size statement

 

 

2.   The ratios that are based on financial statement values and used for comparison purposes are called:

3.   financial ratios.

4.   industrial statistics.

5.   equity standards.

6.   accounting returns.

7.   analytical standards.

Refer to section 3.2.

 

 

Bloom’s: Knowledge

Difficulty: Basic

Learning Objective: 03-02 Compute and; more importantly; interpret some common ratios.

Section: 3.2

Topic: Financial ratios

 

 

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