P3-16 Debt analysis Springfield Bank is evaluating Creek Enterprises, which has requested a $4,000,000 loan, to assess the firm's financial leverage and financial risk. On the basis of the debt ratios for Creek, along with the industry average and Creek's recent financial statements (following), evaluate and recommend appropriate action on the loan request. The firm has a 4 year financial lease requiring annual beginning-of-year payments of $200,000. Three years of the lease have yet to run. "Required asnaal principal payments are $800,000