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You have just been hired as a loan officer at Fairfield State Bank. Your supervisor has given you a file containing a request from Hedrick Company, a manufacturer of auto components, for a $1,000,000 five-year loan. Financial statement data on the company for the last two years are given below: Hedrick Company Comparative Balance Sheet Is Year Current assets: Marketable securities Accounts receivable, net Inventory Prepaid expenses $ 317,000 $415,000 102,000 598,000 780,000 67,000 897,000 1,340,000 78,000 Total current assets Plant and equipment, net 2,632,000 1,962,000 3,164,700 3,336,800 Total assets $5,968,800 $5,126,700 Liabilities and Stockholders' Equity Liabilities: Current liabilities Bonds payable, 10% $1,350,000$880,000 1,190,000 1,270,000 Total liabilities 2,620,000 2,070,000 Stockholders' equity: Preferred stock, 8%, $30 par value Common stock, $40 par value Retained earnings 600,000 2,000,000 748,800 600,000 2,000,000 456,700 Total stockholders' equity 3,348,800 3,056,700 Total liabilities and stockholders' equity $5,968,800 $5,126,700 Hedrick Company Comparative Income Statement and Reconciliation This Year 4,190,000 1,200,000 Last Year Sales (all on account) $5,390,000 $4,160,000 3,260,000 Cost of goods sold 900,000 520,000 Gross margin Selling and administrative expenses 510,000 690,000 127,000 380,000 119,000 Net operating income Interest expense Net income before taxes 563,000 168,900 261,000 78,300 Income taxes (30%) Net income Dividends paid 394,100 182,700 Preferred stock 48,000 48,000 Common stock Total dividends paid Net income retained 54,000 102,000 292,100 27,000 75,000 107,700 Retained earnings, beginning of year 456,700 349,000 Retained earnings, end of year $ 748,800 $456,700