ings ratio is 6, what are its earnings per ure meant CERCISES AND PROBLEMS - Samantha Knight is applying for a small-business loan. She provides the bank with the following information: cash in checking accounts, $5,000; cash in savings, $10,350; home market value, $145,500; first mortgage on house, $25,000; home equity loan limit, $70,000; home equity loan, $10,000; automobile market value, $19,000; automobile loan outstanding, $15,000; credit card debt, $1,500. 22 a. Calculate the debt-to-asset ratio. b. Calculate the debt-to-equity ratio. c. What percentage of Samantha's assets are owned by others? . You receive the following partial balance sheet (11