As a loan officer for Third Commercial Bank your job description includes evaluating and recommending approval of commercial and real estate loans. On your desk is a loan application from Avantgarde Manufacturing, a producer of household goods. Nine years ago, your bank declined a loan application from Avantgarde One, partially due to a debt ratio higher than the industry average. The average percentage of assets financed by liabilities rather than shareholders' equity for the manufacturing industry is 50%. The rationale for declining the previous loan request was that too much debt posed a risk of default. To assist you in your analysis of the current loan application, you have created a Tableau Dashboard depicting trends in assets, liabilities, and equity for the most recent ten years. TOTAL ASSETS $1,000,000 Total Assets $500,000 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 ASSETS - LIABILITIES + STOCKHOLDERS' EQUITY $1,000,000 800,000 5600,000 5400,000 5200,000 2012 2013 2014 2018 2019 2020 2021 2015 2016 2017 Liabilities Shareholders' Equity Drawing from the data available, assess the following: Complete this question by entering your answers in the tabs below. Required Required Required Required 2 3 What does the data suggest regarding the way in which Avantgarde is financing its assets during the most recent ten years? OLiabilities are increasing steadily. OLiabilities are decreasing steadily. Shareholders' equity is increasing steadily Shareholders' equity is decreasing steadily. +ableau Drawing from the data available, assess the following: Complete this question by entering your answers in the tabs below. Required Required Required Required 2 3 Which possible conclusion is supported by the Dashboard concerning Avantgarde's ability to repay a loan if granted? The bank should decline the loan because the debt ratio is higher than the industry average of 50% for nine of the ten years observed. The bank should consider granting the loan because the debt ratio has declined steadily since the previous loan application and is slightly below the industry average of 50% in the most recent year. The bank probably should decline the loan because the debt ratio has declined steadily since the previous loan application and, in fact, is slightly below the industry average of 50% in the most recent year