POV: A lender considering loaning someone $100,000 for a 5-10 year term.

From the POV above, what is an observation or opinion that can be made from the statement given below to formulate a conclusion?

MILAVEC COMPANY Balance Sheets As of December 31 Year 4 Year 3 $ 20,000 20,000 4,000 50,000 70,000 4,000 $ 17,000 22,000 3,000 56,000 43,000 4,000 340,000 $508,000 310,000 $455,000 Assets Cash Marketable securities Notes receivable Accounts receivable Merchandise inventory Prepaid expenses Property, plant, and equipment (net) Total assets Liabilities and Stockholders' Equity Accounts payable Salaries payable Taxes payable Bonds payable, 8% Preferred stock, 6%, $100 par, cumulative Common stock, $10 par Retained earnings Total liabilities and stockholders' equity $ 40,000 2,000 4,000 100,000 $ 38,000 3,000 2,000 100,000 50,000 150,000 162,000 50,000 125,000 137,000 $508,000 $455,000 MILAVEC COMPANY Income Statements and Statements of Retained Earnings For the Years Ending December 31 Year 4 Year 3 $900,000 $800,000 Sales Cost of goods sold Beginning inventory Purchases Goods available for sale Ending inventory Cost of goods sold Gross margin Operating expenses Income before taxes Income taxes Net income Plus: Retained earnings, beginning balance Less: Dividends Retained earnings, ending balance 43,000 637,000 680,000 70,000 610,000 290,000 248,000 42,000 17,000 25,000 40,000 483,000 523.000 43,000 480,000 320,000 280,000 40,000 18,000 22,000 137,000 0 130,000 15,000 $162,000 $137,000