레이블이 Debt to Asset Percentage인 게시물을 표시합니다. 모든 게시물 표시

2013년 11월 30일 토요일

오전 3:53

By Irene Breeding

In: Acceptable Debt Ratio Percentage, Average Debt Ratio, Credit to Debt Ratio Percentages, Debt Ratio Example, Debt to Asset Percentage, Debt to Asset Ratios, Debt to Income Ratio Percentage

No comments

About 'is debt ratio a percentage'|The debt-to-equity ratio as a fishing lure

Ｗｈｅｎ               ｍｙ               ｈｕｓｂａｎｄ               ａｎｄ               Ｉ               ｒｅｆｉｎａｎｃｅｄ               ｏｕｒ               ｈｏｍｅ               ｌｏａｎｓ               ｅａｒｌｙ               ｔｈｉｓ               ｙｅａｒ,               ｗｅ               ｗｅｒｅ               ｔｏｌｄ               ｓｅｖｅｒａｌ               ｔｉｍｅｓ               ｈｏｗ               ｏｕｒ               "ｃｒｅｄｉｔ               ｕｔｉｌｉｚａｔｉｏｎ               ｒａｔｉｏ"               ｗａｓ               ｏｎ               ｔｈｅ               ｈｉｇｈ               ｓｉｄｅ.

Ｔｈｉｓ               ｃａｍｅ               ａｓ               ａ               ｓｕｒｐｒｉｓｅ               ｓｉｎｃｅ               Ｉ               ｃｏｎｓｉｄｅｒ               ｍｙｓｅｌｆ               ｔｏ               ｂｅ               ｒａｔｈｅｒ               ｓｈｒｅｗｄ               ｗｈｅｎ               ｉｔ               ｃｏｍｅｓ               ｔｏ               ｍｏｎｅｙ               ｍａｔｔｅｒｓ.

Ｃｒｅｄｉｔ               ｕｔｉｌｉｚａｔｉｏｎ               ｒａｔｉｏ               ｉｓ               ｂａｎｋ-ｓｐｅａｋ               ｆｏｒ               ｄｅｓｃｒｉｂｉｎｇ               ｔｈｅ               ｒａｔｉｏ               ｏｆ               ｗｈａｔ               ｉｓ               ｏｗｅｄ               ｏｎ               ａ               ｃｒｅｄｉｔ               ｃａｒｄ               ｃｏｍｐａｒｅｄ               ｔｏ               ｙｏｕｒ               ａｖａｉｌａｂｌｅ               ｃｒｅｄｉｔ               ｌｉｎｅ.

Ｔｈｉｓ               ｒａｔｉｏ               ｉｓ               ｓｏ               ｉｍｐｏｒｔａｎｔ               ｔｈａｔ               ｉｔ               ａｃｔｕａｌｌｙ               ａｃｃｏｕｎｔｓ               ｆｏｒ               ａｂｏｕｔ               30%               ｏｆ               ａ               ｃｒｅｄｉｔ               ｓｃｏｒｅ.

Ｉｎ               ｏｕｒ               ｓｉｔｕａｔｉｏｎ,               ｏｕｒ               ｃｒｅｄｉｔ               ｕｔｉｌｉｚａｔｉｏｎ               ｒａｔｉｏ               ｗａｓ               ｈｉｇｈ               ｂｅｃａｕｓｅ               ｉｎｓｔｅａｄ               ｏｆ               ｓｐｒｅａｄｉｎｇ               ｏｕｒ               ｄｅｂｔ               ｅｖｅｎｌｙ               ｏｖｅｒ               ｓｅｖｅｒａｌ               ｃａｒｄｓ,               Ｉ               ｐｕｔ               ｅｖｅｒｙｔｈｉｎｇ               ｏｎ               ｔｈｅ               ｃａｒｄ               ｗｉｔｈ               ｔｈｅ               ｌｏｗｅｓｔ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ.

Ｗｈｉｌｅ               ｔｈｉｓ               ｍａｋｅｓ               ｓｅｎｓｅ               ｉｎ               ｔｅｒｍｓ               ｏｆ               ｓａｖｉｎｇ               ｏｎ               ｉｎｔｅｒｅｓｔ,               ｉｔ               ａｌｓｏ               ｔｈｒｏｗｓ               ｏｆｆ               ｔｈｅ               ｒａｔｉｏ               ｗｈｉｃｈ               ｉｍｐａｃｔｓ               ａ               ｃｒｅｄｉｔ               ｓｃｏｒｅ.
               Ｃａｌｃｕｌａｔｉｎｇ               ｔｈｅ               Ｃｒｅｄｉｔ               Ｕｔｉｌｉｚａｔｉｏｎ               Ｒａｔｉｏ
               Ｃａｌｃｕｌａｔｉｎｇ               ｔｈｅ               ｒａｔｉｏ               ｉｓ               ｓｕｐｅｒ               ｓｉｍｐｌｅ.

Ａｌｌ               ｔｈａｔ'ｓ               ｒｅｑｕｉｒｅｄ               ｉｓ               ａ               ｃａｌｃｕｌａｔｏｒ               ａｎｄ               ａ               ｃｏｐｙ               ｏｆ               ｙｏｕｒ               ｃｕｒｒｅｎｔ               ｃｒｅｄｉｔ               ｃａｒｄ               ｓｔａｔｅｍｅｎｔ.
               1.

Ｄｉｖｉｄｅ               ｔｈｅ               ｃｕｒｒｅｎｔ               ｃｒｅｄｉｔ               ｃａｒｄ               ｂａｌａｎｃｅ               ｂｙ               ｙｏｕｒ               ｌｉｍｉｔ,               ａｌｓｏ               ｋｎｏｗｎ               ａｓ               ｔｈｅ               "ｃｒｅｄｉｔ               ｌｉｎｅ"               .
               Ｆｏｒ               ｅｘａｍｐｌｅ,               ｉｆ               ｙｏｕ               ｈａｖｅ               ａ               $10,000               ｌｉｍｉｔ               ａｎｄ               ｈａｖｅ               $4800               ｃｈａｒｇｅｄ               ｏｎ               ｔｈｅ               ｃａｒｄ,               ｄｉｖｉｄｅ               4800               ｂｙ               10,000               ｔｏ               ｃｏｍｅ               ｕｐ               ｗｉｔｈ               .48.
               2.

Ｍｕｌｔｉｐｌｅ               ｔｈｉｓ               ｎｕｍｂｅｒ               ｂｙ               100               ｔｏ               ｃｏｎｖｅｒｔ               ｔｈｅ               ｆｒａｃｔｉｏｎ               ｉｎｔｏ               ａ               ｐｅｒｃｅｎｔａｇｅ.
               Ｕｓｉｎｇ               ｔｈｉｓ               ｅｘａｍｐｌｅ               .48               ｂｅｃｏｍｅｓ               48%.

Ｙｏｕｒ               ｃｒｅｄｉｔ               ｕｔｉｌｉｚａｔｉｏｎ               ｒａｔｉｏ               ｏｎ               ｔｈｉｓ               ｐａｒｔｉｃｕｌａｒ               ｃｒｅｄｉｔ               ｃａｒｄ               ｉｓ               ｔｈｅｎ               48%.

Ｔｈｉｓ               ｅｘｅｒｃｉｓｅ               ｓｈｏｕｌｄ               ｂｅ               ｒｅｐｅａｔｅｄ               ｏｎ               ａｌｌ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｃａｒｄｓ.
               Ｗｈａｔ               ｉｓ               ａ               ｇｏｏｄ               ｒａｎｇｅ
               Ｔｈｅ               ＦＩＣＯ               ｓｃｏｒｅ               ｌｏｏｋｓ               ａｔ               ｔｈｅ               ｃｒｅｄｉｔ               ｕｔｉｌｉｚａｔｉｏｎ               ｒａｔｉｏ               ｉｎ               ｔｗｏ               ｄｉｆｆｅｒｅｎｔ               ｗａｙｓ.

Ｔｈｅｙ               ｗｉｌｌ               ｃａｌｃｕｌａｔｅ               ｔｈｅ               ｒａｔｉｏ               ~               ｌｉｋｅ               ｙｏｕ               ｊｕｓｔ               ｄｉｄ               ~               ｏｎ               ｅａｃｈ               ｃａｒｄ               ｔｏ               ｄｅｔｅｒｍｉｎｅ               ａｎ               ｏｖｅｒａｌｌ               ｓｃｏｒｅ.

Ｎｅｘｔ,               ｔｈｅｙ'ｌｌ               ａｄｄ               ｕｐ               ａｌｌ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｃａｒｄ               ｂａｌａｎｃｅｓ               ａｎｄ               ｄｉｖｉｄｅ               ｔｈｉｓ               ｎｕｍｂｅｒ               ｂｙ               ｔｈｅ               ｔｏｔａｌ               ｃｒｅｄｉｔ               ｌｉｎｅ               ｆｏｒ               ａｎｏｔｈｅｒ               ｓｃｏｒｅ.

Ｉｆ               ｅｉｔｈｅｒ               ｏｆ               ｔｈｅｓｅ               ｎｕｍｂｅｒｓ               ｉｓ               ｔｏｏ               ｈｉｇｈ,               ｔｈｅｎ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｓｃｏｒｅ               ｉｓ               ｉｍｐａｃｔｅｄ               ｎｅｇａｔｉｖｅｌｙ.
               Ｗｈｅｎ               ｉｔ               ｃｏｍｅｓ               ｔｏ               ａ               ｇｏｏｄ               ｒａｎｇｅ               ｆｏｒ               ａ               ｃｒｅｄｉｔ               ｕｔｉｌｉｚａｔｉｏｎ               ｒａｔｉｏ,               Ｉ'ｖｅ               ｓｅｅｎ               ａｎｓｗｅｒｓ               ａｎｙｗｈｅｒｅ               ｆｒｏｍ               25%               ｔｏ               75%               (ｒｅａｄ               ｃｒｅｄｉｔｓｃｏｒｉｎｇ.ｃｏｍ               ｔｏ               ｖｉｅｗ               ｗｈａｔ               ｅｘｐｅｒｔｓ               ａｒｅ               ｓａｙｉｎｇ.)               Ａｃｃｏｒｄｉｎｇ               ｔｏ               ｍｙ               ｐｅｒｓｏｎａｌ               ｂａｎｋｅｒ               ａｔ               Ｋｅｙ               Ｂａｎｋ,               ｔｈｅ               ｉｄｅａｌ               ｃｒｅｄｉｔ               ｕｔｉｌｉｚａｔｉｏｎ               ｒａｔｉｏ               ｉｎ               ｔｏｄａｙ'ｓ               ｅｃｏｎｏｍｙ               ｉｓ               ｂｅｔｗｅｅｎ               30-40%.
               Ｍｏｒｅ               ｂｙ               ｔｈｉｓ               ａｕｔｈｏｒ:
               Ｈｏｗ               Ｃｒｅｄｉｔ               Ｃａｒｄ               Ｍａｎａｇｅｍｅｎｔ               ｃａｎ               Ｉｍｐａｃｔ               ａ               Ｈｏｍｅ               ｒｅｆｉｎａｎｃｅ.

               Ｈｏｗ               ｔｏ               Ｇｅｔ               ａ               Ｌｏｗｅｒ               Ｉｎｔｅｒｅｓｔ               Ｒａｔｅ               ｏｎ               ａ               Ｃｒｅｄｉｔ               Ｃａｒｄ

Image of is debt ratio a percentage

is debt ratio a percentage

is debt ratio a percentage Image 1

is debt ratio a percentage

is debt ratio a percentage Image 2

is debt ratio a percentage

is debt ratio a percentage Image 3

is debt ratio a percentage

is debt ratio a percentage Image 4

is debt ratio a percentage

is debt ratio a percentage Image 5

Related blog with is debt ratio a percentage

...Indonesia 1.3%. Even as a percentage of the national budget, at... in Asia. Debt service payments...education spending is minimal, from 2.9% in 1990...
nakakayamot.blogspot.com/ 08/28/2006
...Indonesia 1.3%. Even as a percentage of the national budget, at... in Asia. Debt service payments...education spending is minimal, from 2.9% in 1990...
Money Is A Form Of Social Control And Most Americans Are Debt Slaves
poorrichards-blog.blogspot.com/ 02/19/2013
... collective debt of all is the U.S. national debt. In a previous article , I discussed...believe it, the U.S. debt to GDP ratio has increased from...
Money Is A Form of Social Control and Most Americans are Debt Slaves
chastisement2013.wordpress.com/ 02/20/2013
... collective debt of all is the U.S. national debt. In a previous article , I discussed...believe it, the U.S. debt to GDP ratio has increased from...
Debt and Demography: Our Future is Not a Pretty Sight
viableopposition.blogspot.com/ 11/17/2011
...an increase in debt-to-GDP by 20 to 30 percentage points over just a three year period...2011, this situation is not expected... their ratio of government revenue...
What is Debt Ratio and How Do
debt-restructuring.blogspot.com/ 05/15/2009
...amount of borrowing is called the national debt in glossary as a percentage of GDP. For Personal sometime...to Bankruptcy Formula of Debt Ratio Debt ratio = Total Debt / Total...
Nobel Laurieate Krugman: The Debt Is Not a Crisis, Risk of Depression IS
citizen-gkar.blogspot.com/ 05/26/2011
... — will run a deficit of 7.5 percent...year, and that net debt will be 75 percent of GDP...rise in the debt ratio. Suppose that we have... 3 percentage points off...
United States Debt: 100 Percent is not always a good number
viableopposition.blogspot.com/ 11/01/2011
... debt-to-GDP ratio. Another impact on investor...this could function as a double-edged sword. As both debt and interest rates...risk. Because that risk is rising, the...
Whooooeeee! Belize Debt to GDP ratio is 58% says WIKIPEDIA calculation.
westernbelizehappenings.blogspot.com/ 11/02/2011
...health of an economy. It is the amount of national debt of a country as a percentage of its Gross Domestic Product (GDP). A low debt-to-GDP ratio indicates an...
The debt-to-equity ratio as a fishing lure?
stockmarketcookbook.blogspot.com/ 04/22/2009
...high debt/equity ratios are considered...with little to no debt especially in... analysis A recent CNBC guest... percentage gainers...
Greece, US Debt Ceilings and Kingdom Towers reaching the ceiling of the world: about a New World Order
tigersandfrontiers.blogspot.com/ 08/03/2011
...course nothing like Greece - as a percentage - but be aware. The US is... the government debt, the third the development...who saw the Debt to GDP ratio deteriorate rapidly. What is...

2013년 11월 23일 토요일

오후 6:33

By Irene Breeding

In: Debt to Asset Percentage, Debt to Asset Ratio Formula, Debt to Total Assets Calculator, Debts to Total Assets Ratio, Times Interest Earned Ratio, Times Interest Earned Ratio Formula, Total Assets Ratio Formula

No comments

About 'total assets to debt ratio formula'|...Against Hudud, Education As A Smokescreen To Hide Apartheid With, Inability of BOTH BN and PR to Declare Assets, MCA Does Not Understand Equality or the Reid Commission’s Time Limits on...

               Ａｓ               ＳＡＣ'ｓ               ｂｕｓｉｎｅｓｓ               ｆｉｎａｎｃｉａｌ               ａｎａｌｙｓｔ,               Ｉ               ｈａｖｅ               ｂｅｅｎ               ｔａｓｋｅｄ               ｗｉｔｈ               ｔｈｅ               ｄｕｔｉｅｓ               ｏｆ               ｐｒｏｖｉｄｉｎｇ               ｔｈｅ               Ｂｏａｒｄ               ｏｆ               Ｄｉｒｅｃｔｏｒｓ               ａｎｄ               ｔｈｅ               ｅｘｅｃｕｔｉｖｅ               ｍａｎａｇｅｍｅｎｔ               ｔｅａｍ               ｗｉｔｈ               ｔｈｅ               ｐｅｒｔｉｎｅｎｔ               ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔｓ               ｔｈａｔ               ａｒｅ               ｎｅｃｅｓｓａｒｙ               ｆｏｒ               ｈｅｌｐｉｎｇ               ｉｎ               ｔｈｅ               ｍａｎａｇｅｍｅｎｔ               ｏｆ               ｔｈｅ               ｃｏｍｐａｎｙ.

Ｔｈｉｎｇｓ               ｔｈａｔ               Ｉ               ｗｉｌｌ               ｃｏｖｅｒ               ａｒｅ               ｔｈｅ               ｓｔａｔｅｍｅｎｔ               ｃｏｎｓｉｓｔｓ               ｏｆ,               ｈｏｗ               ｔｈｅ               ｉｎｆｏｒｍａｔｉｏｎ               ｗｉｌｌ               ｂｅ               ｕｓｅｄ               ｂｙ               ｔｈｅ               ｍａｎａｇｅｍｅｎｔ               ｔｅａｍ,               ｈｏｗ               ｉｔ               ｗｉｌｌ               ｈｅｌｐ               ｔｈｅｍ               ｍａｎａｇｅ               ｔｈｅ               ｃｏｍｐａｎｙ,               ｉｔｓ               ｌｉｍｉｔａｔｉｏｎｓ,               ｓｙｎｏｐｓｉｓ               ｏｆ               ｔｈｅ               ｃｏｍｐａｎｙ               ａｓ               ａ               ｗｈｏｌｅ               ｊｕｓｔ               ｆｒｏｍ               ｌｏｏｋｉｎｇ               ａｔ               ｔｈｅ               ｄａｔａ               ｉｎ               ｔｈｅｓｅ               ｓｔａｔｅｍｅｎｔｓ.
               Ｔｈｅ               ｆｉｒｓｔ               ａｒｅａ               Ｉ               ｗｉｌｌ               ｃｏｖｅｒ               ｉｓ               ｔｈｅ               ｄｉｆｆｅｒｅｎｔ               ｔｙｐｅ               ｏｆ               ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔｓ               ａｎｄ               ｔｈｅｉｒ               ｐｕｒｐｏｓｅｓ.

Ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔｓ               ａｒｅ               ａ               ｃｒｕｃｉａｌ               ｐａｒｔ               ｏｆ               ａ               ｃｏｍｐａｎｙ'ｓ               ｗｅｌｌ               ｂｅｉｎｇ.

Ｉｎ               ｂｌａｔａｎｔ               ｓｐｅｅｃｈ,               ａ               ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔ               ｉｓ               ａｌｌ               ａｂｏｕｔ               ｓｈｏｗｉｎｇ               ｔｈｅ               ｍｏｎｅｙ.

Ｔｈｅｙ               ａｃｔｕａｌｌｙ               ｇｉｖｅ               ａ               ｖｉｅｗ               ｏｆ               ｗｈｅｒｅ               ａ               ｃｏｍｐａｎｙ'ｓ               ｍｏｎｅｙ               ｉｓ               ｃｏｍｉｎｇ               ｆｒｏｍ               ａｎｄ               ｗｈｅｒｅ               ｉｔ               ｉｓ               ｇｏｉｎｇ,               ａｎｄ               ｔｈｅ               ｃｕｒｒｅｎｔ               ｓｔａｔｅ               ｏｆ               ｉｔ.

Ｉｎ               ｓａｙｉｎｇ               ｔｈｉｓ,               ａｔ               ｔｈｅ               ｍｉｎｉｍａｌ,               ｔｈｅｒｅ               ａｒｅ               ａｔ               ｌｅａｓｔ               ｆｏｕｒ               ｓｔａｔｅｍｅｎｔｓ               ｔｈａｔ               ａｒｅ               ｃｒｕｃｉａｌ               ｉｎ               ａｎｓｗｅｒｉｎｇ               ｔｈｅ               ｑｕｅｓｔｉｏｎ               ｏｆ               ｔｈｅ               ｃｏｍｐａｎｙ'ｓ               ｓｔａｔｅ               ｏｆ               ｂｅｉｎｇ               ｏｎ               ａ               ｆｉｎａｎｃｉａｌ               ｂａｓｉｓ.

Ｔｈｅｙ               ａｒｅ:               ｂａｌａｎｃｅ               ｓｈｅｅｔｓ,               ｉｎｃｏｍｅ               ｓｔａｔｅｍｅｎｔｓ,               ｃａｓｈ               ｆｌｏｗ               ｓｔａｔｅｍｅｎｔｓ,               ａｎｄ               ｓｔａｔｅｍｅｎｔ               ｏｆ               ｔｈｅ               ｓｈａｒｅｈｏｌｄｅｒｓ'               ｅｑｕｉｔｙ.
               Ｂａｌａｎｃｅ               ｓｈｅｅｔｓ               ｃｏｎｓｉｓｔ               ｏｆ               ｔｈｉｎｇｓ               ｓｕｃｈ               ａｓ               ｗｈａｔ               ＳＡＣ               ｏｗｎｓ               ａｎｄ               ｗｈａｔ               ｉｔ               ｏｗｅｓ.

Ｔｏ               ｅｌａｂｏｒａｔｅ               ａ               ｌｉｔｔｌｅ               ｆｕｒｔｈｅｒ,               ｉｔ               ｇｉｖｅｓ               ｍｏｒｅ               ｐｒｅｃｉｓｅ               ｉｎｆｏｒｍａｔｉｏｎ               ｏｎ               ｔｈｅ               ｃｏｍｐａｎｙ'ｓ               ａｓｓｅｔｓ               ｏｒ               ｗｈａｔ               ｉｔ               ｈａｓ               ｆｒｏｍ               ａ               ｖａｌｕｅ               ｓｔａｎｄｐｏｉｎｔ.

Ｔｈｉｓ               ｒａｎｇｅｓ               ｆｒｏｍ               ｐｈｙｓｉｃａｌ               ｉｔｅｍｓ               ｔｏ               ｅｑｕｉｐｍｅｎｔ               ｏｒ               ｉｔｓ               ｉｎｖｅｎｔｏｒｙ.

Ｔｈｉｓ               ｃａｎ               ｅｖｅｎ               ｂｅ               ｉｎｔａｎｇｉｂｌｅ               ｔｈｉｎｇｓ               ｓｕｃｈ               ａｓ               ｔｈｅ               ｃｏｍｐａｎｙ'ｓ               ｔｒａｄｅｍａｒｋｓ               ｏｒ               ｐａｔｅｎｔｓ.

Ｌｉａｂｉｌｉｔｉｅｓ               ａｒｅ               ｄｅｓｃｒｉｂｅｄ               ａｓ               ｗｈａｔ               ｔｈｅ               ｃｏｍｐａｎｙ               ｏｗｅｓ               ｔｏ               ｏｔｈｅｒｓ               (ｉ.ｅ.

ｂａｎｋｓ,               ｒｅｎｔ,               ｓｕｐｐｌｉｅｒｓ,               ｅｍｐｌｏｙｅｒｓ,               ｔａｘｅｓ,               ａｎｄ               ｔｈｅ               ｇｏｖｅｒｎｍｅｎｔ.

Ｔｏ               ｇｅｔ               ａ               ｂｅｔｔｅｒ               ｕｎｄｅｒｓｔａｎｄｉｎｇ               ｏｆ               ｈｏｗ               ｔｏ               ｃｏｎｓｔｒｕｃｔ               ａ               ｂａｌａｎｃｅ               ｓｈｅｅｔ               ｙｏｕ               ｗｏｕｌｄ               ｕｓｅ               ｔｈｅ               ｆｏｒｍｕｌａ:
               1.

Ａｓｓｅｔｓ=Ｌｉａｂｉｌｉｔｉｅｓ+Ｓｈａｒｅｈｏｌｄｅｒｓ               Ｅｑｕｉｔｙ               Ｔｈｅ               ａｓｓｅｔｓ               ｈａｖｅ               ｔｏ               ｅｑｕａｌ               ｏｒ               ａｔ               ｌｅａｓｔ               ｂａｌａｎｃｅ               ｔｈａｔ               ｏｆ               ｗｈｅｎ               ｔｈｅ               ｌｉａｂｉｌｉｔｉｅｓ               ａｎｄ               ｔｈｅ               ｓｈａｒｅｈｏｌｄｅｒｓ               ｅｑｕｉｔｙ               ａｒｅ               ａｄｄｅｄ               ｕｐ.

Ｔｈｉｓ               ｗｉｌｌ               ｂｅ               ｄｏｎｅ               ｂａｓｉｃａｌｌｙ               ａｔ               ｔｈｅ               ｅｎｄ               ｏｆ               ａ               ｒｅｐｏｒｔｉｎｇ               ｐｅｒｉｏｄ.
               Ｔｈｅｎ               ｔｈｅｒｅ               ｉｓ               ｔｈｅ               ｉｎｃｏｍｅ               ｓｔａｔｅｍｅｎｔ               ｉｎ               ｗｈｉｃｈ               ｉｔ               ｉｓ               ａ               ｒｅｐｏｒｔ               ｔｈａｔ               ｇｉｖｅｓ               ａ               ｐｉｃｔｕｒｅ               ｏｆ               ｈｏｗ               ｍｕｃｈ               ｔｈｅ               ｃｏｍｐａｎｙ               ｈａｓ               ｅａｒｎｅｄ               ｏｖｅｒ               ａ               ｐｅｒｉｏｄ               ｏｆ               ｔｉｍｅ               (ｉ.ｅ.

ｑｕａｒｔｅｒｓ,               ｓｅｍｉ-ａｎｎｕａｌ,               ｏｒ               ａｎｎｕａｌｌｙ).

Ｉｔ               ｉｓ               ｍａｄｅ               ｕｐ               ｏｆ               ｔｈｅ               ｃｏｓｔｓ               ｏｒ               ｅｘｐｅｎｓｅｓ               ａｃｃｒｕｅｄ               ｏｖｅｒ               ｔｈａｔ               ｇｉｖｅｎ               ｐｅｒｉｏｄ.

Ｔｏ               ｓｕｍ               ｉｔ               ｕｐ,               ｉｔ               ｓｈｏｗｓ               ｔｈｅ               ｃｏｍｐａｎｙ'ｓ               ｌｏｓｓｅｓ               ｏｒ               ｎｅｔ               ｐｒｏｆｉｔｓ.

Ｔｈｉｓ               ｓｔａｔｅｍｅｎｔ               ｉｓ               ｗｈｅｒｅ               ｔｈｅ               ｅａｒｎｉｎｇｓ               ｐｅｒ               ｓｈａｒｅ               ｉｓ               ｒｅｐｏｒｔｅｄ               ａｎｄ               ｔｈｉｓ               ｗｉｌｌ               ｇｉｖｅ               ａｎ               ｉｄｅａ               ｏｆ               ｈｏｗ               ｍｕｃｈ               ｅａｃｈ               ｓｈａｒｅｈｏｌｄｅｒ               ｗｏｕｌｄ               ｇｅｔ               ｉｆ               ｔｈｅ               ｃｏｍｐａｎｙ               ｄｅｃｉｄｅｄ               ｔｏ               ｏｒ               ｈａｄ               ｔｏ               ｐａｙ               ｔｈｅｍ               ｏｕｔ.

Ｉｎ               ｏｒｄｅｒ               ｔｏ               ｄｅｔｅｒｍｉｎｅ               ｔｈｉｓ,               ｙｏｕ               ｓｉｍｐｌｙ               ｔａｋｅ               ｔｈｅ               ｔｏｔａｌ               ｎｅｔ               ｉｎｃｏｍｅ               ｏｆ               ｔｈｅ               ｃｏｍｐａｎｙ               ａｎｄ               ｄｉｖｉｄｅ               ｉｔ               ｂｙ               ｔｈｅ               ｎｕｍｂｅｒ               ｏｆ               ｏｕｔｓｔａｎｄｉｎｇ               ｓｈａｒｅｓ.
               Ｏｎｃｅ               ａｌｌ               ｏｆ               ｔｈｅｓｅ               ｔｈｉｎｇｓ               ｈａｖｅ               ｂｅｅｎ               ｃａｌｃｕｌａｔｅｄ               ａｎｄ               ｌｏｏｋｅｄ               ａｔ,               ｔｈｅ               ｉｎｃｏｍｅ               ｔａｘ               ｉｓ               ｔｈｅ               ｆｉｎａｌ               ｔｈｉｎｇ               ｔｈａｔ               ｉｓ               ｄｅｄｕｃｔｅｄ               ａｎｄ               ｔｈｉｓ               ｌｅａｄｓ               ｔｏ               ｗｈｅｔｈｅｒ               ＳＡＣ               ｈａｓ               ａ               ｎｅｔ               ｐｒｏｆｉｔ               ｏｒ               ｎｅｔ               ｌｏｓｓ               ｄｕｒｉｎｇ               ｔｈｅ               ｐｅｒｉｏｄ.
               Ｔｈｅ               ｔｈｉｒｄ               ｓｔａｔｅｍｅｎｔ               ｉｓ               ｔｈｅ               ｃａｓｈ               ｆｌｏｗ               ｓｔａｔｅｍｅｎｔ               ｗｈｉｃｈ               ｄｅａｌｓ               ｗｉｔｈ               ＳＡＣ'ｓ               ｍｏｎｅｙ               ｔｈａｔ               ｉｓ               ｆｌｏｗｉｎｇ               ｉｎ               ａｎｄ               ｔｈｅ               ｍｏｎｅｙ               ｆｌｏｗｉｎｇ               ｏｕｔ               ｏｆ               ｔｈｅ               ｃｏｍｐａｎｙ.

Ｉｔｓ               ｉｍｐｏｒｔａｎｃｅ               ｉｓ               ｔｈａｔ               ｔｈｅ               ｃａｓｈｆｌｏｗ               ｓｔａｔｅｍｅｎｔ               ｓｈｏｗｓ               ｉｔ               ｏｒ               ｎｏｔ               ｉｆ               ａ               ｃｏｍｐａｎｙ               ａｃｔｕａｌｌｙ               ｇｅｎｅｒａｔｅｄ               ａｎｙ               ｃａｓｈ.

Ｃａｓｈ               ｆｌｏｗ               ｓｔａｔｅｍｅｎｔｓ               ｌｏｏｋ               ａｔ               ｔｈｒｅｅ               ｄｉｆｆｅｒｅｎｔ               ａｃｔｉｖｉｔｉｅｓ               ｗｈｉｃｈ               ａｒｅ:               ｉｔｓ               ｏｐｅｒａｔｉｎｇ               ａｃｔｉｖｉｔｉｅｓ,               ｉｎｖｅｓｔｉｎｇ               ａｃｔｉｖｉｔｉｅｓ,               ａｎｄ               ｉｔｓ               ｆｉｎａｎｃｉｎｇ               ａｃｔｉｖｉｔｉｅｓ.
               Ｔｈｅ               ｆｏｕｒｔｈ               ｓｔａｔｅｍｅｎｔ               ｉｓ               ｔｈｅ               ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔ               ｒａｔｉｏｓ.

Ｉｔ               ｃｏｎｓｉｓｔｓ               ｏｆ               ｎｕｍｅｒｏｕｓ               ｒａｔｉｏｓ               (ｉ.ｅ.

ｄｅｂｔ               ｔｏ               ｅｑｕｉｔｙ,               ｉｎｖｅｎｔｏｒｙ               ｔｕｒｎｏｖｅｒ,               ｏｐｅｒａｔｉｎｇ               ｍａｒｇｉｎ,               ｐｒｉｃｅ               ｔｏ               ｅｑｕｉｔｙ               ｒａｔｉｏ,               ａｎｄ               ｐｒｉｃｅ               ｔｏ               ｅｑｕｉｔｙ               ｒａｔｉｏ).
               Ｔｈｅ               ｃａｌｃｕｌａｔｉｏｎｓ               ｔｈａｔ               ｙｏｕ               ｕｓｅ               ｔｏ               ｄｅｔｅｒｍｉｎｅ               ｈｏｗ               ｔｈｅｓｅ               ｒａｔｉｏｓ               ｗｉｌｌ               ｂｅ               ｃａｌｃｕｌａｔｅｄ               ａｒｅ               ｌｉｓｔｅｄ               ｂｅｌｏｗ:
               1.

Ｄｅｂｔ-ｔｏ-Ｅｑｕｉｔｙ               Ｒａｔｉｏ:               Ｄｅｂｔ-ｔｏ-Ｅｑｕｉｔｙ               =               Ｔｏｔａｌ               Ｌｉａｂｉｌｉｔｉｅｓ               /               Ｓｈａｒｅｈｏｌｄｅｒｓ'               Ｅｑｕｉｔｙ
               Ｔｈｅ               ｄｅｂｔ               ｔｏ               ｅｑｕｉｔｙ               ｒａｔｉｏ               ｃｏｍｐａｒｅｓ               ａ               ｃｏｍｐａｎｙ'ｓ               ｔｏｔａｌ               ｄｅｂｔ               ｔｏ               ｓｈａｒｅｈｏｌｄｅｒｓ'               ｅｑｕｉｔｙ.

Ｔｈｅｓｅ               ｎｕｍｂｅｒｓ               ａｃｔｕａｌｌｙ               ａｒｅ               ｆｏｕｎｄ               ｏｎ               ａ               ｃｏｍｐａｎｙ'ｓ               ｂａｌａｎｃｅ               ｓｈｅｅｔ               ａｎｄ               ｉｓ               ｃａｌｃｕｌａｔｅｄ               ｂｙ               ｄｉｖｉｄｉｎｇ               ａ               ｃｏｍｐａｎｙ'ｓ               ｔｏｔａｌ               ｌｉａｂｉｌｉｔｉｅｓ               ｂｙ               ｉｔｓ               ｓｈａｒｅｈｏｌｄｅｒ               ｅｑｕｉｔｙ.
               2.

Ｉｎｖｅｎｔｏｒｙ               Ｔｕｒｎｏｖｅｒ:               Ｉｎｖｅｎｔｏｒｙ               Ｔｕｒｎｏｖｅｒ               Ｒａｔｉｏ               =               Ｃｏｓｔ               ｏｆ               Ｓａｌｅｓ               /               Ａｖｅｒａｇｅ               Ｉｎｖｅｎｔｏｒｙ               ｆｏｒ               ｔｈｅ               ｐｅｒｉｏｄ
               Ｔｈｉｓ               ｃａｌｃｕｌａｔｉｏｎ               ｃｏｍｐａｒｅｓ               ａ               ｃｏｍｐａｎｙ'ｓ               ｃｏｓｔ               ｏｆ               ｓａｌｅｓ               ｏｎ               ｉｔｓ               ｉｎｃｏｍｅ               ｓｔａｔｅｍｅｎｔ               ｗｉｔｈ               ｉｔｓ               ａｖｅｒａｇｅ               ｉｎｖｅｎｔｏｒｙ               ｂａｌａｎｃｅ               ｆｏｒ               ｔｈｅ               ｐｅｒｉｏｄ.

Ｔｏ               ｃａｌｃｕｌａｔｅ               ｔｈｅ               ａｖｅｒａｇｅ               ｉｎｖｅｎｔｏｒｙ               ｂａｌａｎｃｅ               ｆｏｒ               ｔｈｅ               ｐｅｒｉｏｄ,               ｌｏｏｋ               ａｔ               ｔｈｅ               ｉｎｖｅｎｔｏｒｙ               ｎｕｍｂｅｒｓ               ｌｉｓｔｅｄ               ｏｎ               ｔｈｅ               ｂａｌａｎｃｅ               ｓｈｅｅｔ.

Ｔａｋｅ               ｔｈｅ               ｂａｌａｎｃｅ               ｌｉｓｔｅｄ               ｆｏｒ               ｔｈｅ               ｐｅｒｉｏｄ               ｏｆ               ｔｈｅ               ｒｅｐｏｒｔ               ａｎｄ               ａｄｄ               ｉｔ               ｔｏ               ｔｈｅ               ｂａｌａｎｃｅ               ｌｉｓｔｅｄ               ｆｏｒ               ｔｈｅ               ｐｒｅｖｉｏｕｓ               ｃｏｍｐａｒａｂｌｅ               ｐｅｒｉｏｄ,               ａｎｄ               ｔｈｅｎ               ｄｉｖｉｄｅ               ｂｙ               ｔｗｏ.

Ｉｎ               ｃａｌｃｕｌａｔｉｎｇ               ｔｈｅ               ｉｎｖｅｎｔｏｒｙ               ｔｕｒｎｏｖｅｒ               ｒａｔｉｏ,               ｙｏｕ               ｄｉｖｉｄｅ               ａ               ｃｏｍｐａｎｙ'ｓ               ｃｏｓｔ               ｏｆ               ｓａｌｅｓ               ｂｙ               ｔｈｅ               ａｖｅｒａｇｅ               ｉｎｖｅｎｔｏｒｙ               ｆｏｒ               ａ               ｐａｒｔｉｃｕｌａｒ               ｐｅｒｉｏｄ.
               3.

Ｏｐｅｒａｔｉｎｇ               Ｍａｒｇｉｎ:               Ｏｐｅｒａｔｉｎｇ               Ｍａｒｇｉｎ               =               Ｉｎｃｏｍｅ               ｆｒｏｍ               Ｏｐｅｒａｔｉｏｎｓ               /               Ｎｅｔ               Ｒｅｖｅｎｕｅｓ
               Ｔｈｅ               ｏｐｅｒａｔｉｎｇ               ｍａｒｇｉｎ               ｃｏｍｐａｒｅｓ               ａ               ｃｏｍｐａｎｙ'ｓ               ｏｐｅｒａｔｉｎｇ               ｉｎｃｏｍｅ               ｔｏ               ｎｅｔ               ｒｅｖｅｎｕｅｓ.

Ｔｈｅｓｅ               ｎｕｍｂｅｒｓ               ａｒｅ               ｆｏｕｎｄ               ｏｎ               ａ               ｃｏｍｐａｎｙ'ｓ               ｉｎｃｏｍｅ               ｓｔａｔｅｍｅｎｔ               ａｎｄ               ｉｓ               ｃａｌｃｕｌａｔｅｄ               ｂｙ               ｄｉｖｉｄｉｎｇ               ａ               ｃｏｍｐａｎｙ'ｓ               ｉｎｃｏｍｅ               ｆｒｏｍ               ｏｐｅｒａｔｉｏｎｓ               (ｂｅｆｏｒｅ               ｉｎｔｅｒｅｓｔ               ａｎｄ               ｉｎｃｏｍｅ               ｔａｘ               ｅｘｐｅｎｓｅｓ)               ｂｙ               ｉｔｓ               ｎｅｔ               ｒｅｖｅｎｕｅｓ.
               4.

Ｐｒｉｃｅ               ｔｏ               Ｅｑｕｉｔｙ               Ｒａｔｉｏ:
               Ｐ/Ｅ               Ｒａｔｉｏ               =               Ｐｒｉｃｅ               ｐｅｒ               Ｓｈａｒｅ               /               Ｅａｒｎｉｎｇｓ               ｐｅｒ               Ｓｈａｒｅ
               Ｔｈｅ               Ｐ/Ｅ               ｒａｔｉｏ               ｃｏｍｐａｒｅｓ               ａ               ｃｏｍｐａｎｙ'ｓ               ｃｏｍｍｏｎ               ｓｔｏｃｋ               ｐｒｉｃｅ               ｗｉｔｈ               ｉｔｓ               ｅａｒｎｉｎｇｓ               ｐｅｒ               ｓｈａｒｅ.

Ｔｈｉｓ               ｉｓ               ｃａｌｃｕｌａｔｅｄ               ｂｙ               ｄｉｖｉｄｉｎｇ               ａ               ｃｏｍｐａｎｙ'ｓ               ｓｔｏｃｋ               ｐｒｉｃｅ               ｂｙ               ｉｔｓ               ｅａｒｎｉｎｇｓ               ｐｅｒ               ｓｈａｒｅ.
               5.

Ｗｏｒｋｉｎｇ               Ｃａｐｉｔａｌ:               Ｗｏｒｋｉｎｇ               Ｃａｐｉｔａｌ               =               Ｃｕｒｒｅｎｔ               Ａｓｓｅｔｓ               -               Ｃｕｒｒｅｎｔ               Ｌｉａｂｉｌｉｔｉｅｓ
               Ｔｈｅ               ｗｏｒｋｉｎｇ               ｃａｐｉｔａｌ               ｉｓ               ｔｈｅ               ｍｏｎｅｙ               ｔｈａｔ               ｉｓ               ｌｅｆｔｏｖｅｒ               ｉｆ               ａ               ｃｏｍｐａｎｙ               ｄｅｃｉｄｅ               ｔｏ               ｐａｙ               ｉｔｓ               ｃｕｒｒｅｎｔ               ｌｉａｂｉｌｉｔｉｅｓ               ｏｒ               ｄｅｂｔｓ               ｄｕｅ               ｗｉｔｈｉｎ               ｏｎｅ-ｙｅａｒ               ｏｆ               ｔｈｅ               ｄａｔｅ               ｏｆ               ｔｈｅ               ｂａｌａｎｃｅ               ｓｈｅｅｔ)               ｆｒｏｍ               ｉｔｓ               ｃｕｒｒｅｎｔ               ａｓｓｅｔｓ.
               Ｔｏ               ｂｒｉｎｇ               ａｌｌ               ｏｆ               ｔｈｅ               ｓｔａｔｅｍｅｎｔｓ               ｔｏｇｅｔｈｅｒ,               ｔｈｅｙ               ａｒｅ               ａｌｌ               ｐｒｅｔｔｙ               ｍｕｃｈ               ｒｅｌａｔｅｄ               ｉｎ               ａ               ｓｅｎｓｅ.

Ｃｈａｎｇｅｓ               ｔｈａｔ               ｃａｎ               ｂｅ               ｓｅｅｎ               ｉｎ               ａｓｓｅｔｓ               ａｎｄ               ｌｉａｂｉｌｉｔｉｅｓ               ａｒｅ               ｗｈａｔ               ｙｏｕ               ｗｉｌｌ               ｓｅｅ               ｏｎ               ｔｈｅ               ｂａｌａｎｃｅ               ｓｈｅｅｔ               ａｎｙｗａｙ               ａｎｄ               ｔｈｏｓｅ               ｔｈｅｎ               ｗｉｌｌ               ｂｅ               ｒｅｆｌｅｃｔｅｄ               ｉｎ               ｔｈｅ               ｒｅｖｅｎｕｅｓ               ａｎｄ               ｅｘｐｅｎｓｅｓ               ｔｈａｔ               ｗｉｌｌ               ｂｅ               ｓｅｅｎ               ｏｎ               ｔｈｅ               ｉｎｃｏｍｅ               ｓｔａｔｅｍｅｎｔ.

Ｔｈｉｓ               ｉｎ               ｅｓｓｅｎｃｅ               ｗｉｌｌ               ｒｅｓｕｌｔ               ｉｎ               ｔｈｅ               ｃｏｍｐａｎｙ'ｓ               ｇａｉｎｓ               ｏｒ               ｌｏｓｓｅｓ.

Ｔｈｅｎ               ａｓ               ｆｏｒ               ｃａｓｈ               ｆｌｏｗｓ,               ｔｈｅｙ               ｐｒｏｖｉｄｅ               ｍｏｒｅ               ｉｎｆｏｒｍａｔｉｏｎ               ａｂｏｕｔ               ｃａｓｈ               ａｓｓｅｔｓ               ｔｈａｔ               ａｒｅ               ｌｉｓｔｅｄ               ｏｎ               ａ               ｂａｌａｎｃｅ               ｓｈｅｅｔ               ａｌｓｏ.

Ｃａｓｈ               ｆｌｏｗ               ｓｔａｔｅｍｅｎｔｓ               ａｒｅ,               ａｓ               Ｉ               ｓａｉｄ               ｖｅｒｙ               ｍｕｃｈ               ｌｉｓｔｅｄ               ｏｎ               ｔｈｅ               ｂａｌａｎｃｅ               ｓｈｅｅｔ               ｂｕｔ               ａｒｅ               ｎｏｔ               ａｓ               ｍｕｃｈ               ｓｏ               ｒｅｌａｔｅｄ               ｏｒ               ｅｑｕｉｖａｌｅｎｔ               ｔｏ               ｔｈｅ               ｎｅｔ               ｉｎｃｏｍｅ               ｔｈａｔ               ｉｓ               ｓｈｏｗｎ               ｏｎ               ａ               ｉｎｃｏｍｅ               ｓｔａｔｅｍｅｎｔ.

Ｓｏ,               ａｌｔｈｏｕｇｈ               ａｌｌ               ｏｆ               ｔｈｅｓｅ               ｓｔａｔｅｍｅｎｔｓ               ａｒｅ               ｖｅｒｙ               ｃｒｕｃｉａｌ               ｉｎ               ｄｅｔｅｒｍｉｎｉｎｇ               ｔｈｅ               ｗｈｏｌｅ               ｃｏｎｇｌｏｍｅｒａｔｅ               ｏｆ               ａ               ｃｏｍｐａｎｙ,               ｊｕｓｔ               ｏｎｅ               ｓｔａｔｅｍｅｎｔ               ｂｙ               ｉｔｓｅｌｆ               ｄｏｅｓ               ｎｏｔ               ｃｏｍｐｌｅｔｅ               ｔｈｅ               ｐｒｏｃｅｓｓ.

Ｉｔ               ｔａｋｅｓ               ａｌｌ               ｏｆ               ｔｈｅｍ               ｔｏ               ｔｅｌｌ               ｔｈｅ               ｗｈｏｌｅ               ｓｔｏｒｙ               ａｎｄ               ｗｈｅｎ               ｔｈｅｙ               ａｒｅ               ｃｏｍｂｉｎｅｄ,               ｔｈｅｙ               ｐｒｏｖｉｄｅ               ｖｅｒｙ               ｐｏｗｅｒｆｕｌ               ｉｎｆｏｒｍａｔｉｏｎ               ｆｏｒ               ｔｈｅ               ｃｏｍｐａｎｙ.
               Ｈｏｗ               ｗｉｌｌ               ｔｈｅ               ｉｎｆｏｒｍａｔｉｏｎ               ｔｈａｔ               ｙｏｕ               ｐｒｏｖｉｄｅ               ｏｎ               ａ               ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔ               ｂｅ               ｕｓｅｄ               ｂｙ               ｔｈｅ               ｍａｎａｇｅｍｅｎｔ               ｔｅａｍ?
               Ｉｎｆｏｒｍａｔｉｏｎ               ｔｈａｔ               ｉｓ               ｃａｌｃｕｌａｔｅｄ               ｏｎ               ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔｓ               ｈａｖｅ               ｎｕｍｅｒｏｕｓ               ｐｕｒｐｏｓｅｓ               ａｎｄ               ｃａｎ               ｂｅ               ｕｓｅｄ               ｂｙ               ｄｉｆｆｅｒｅｎｔ               ｐｅｏｐｌｅ               ｒａｎｇｉｎｇ               ｆｒｏｍ               ｏｗｎｅｒｓ               ａｎｄ               ｍａｎａｇｅｒｓ,               ｔｏ               ｔｈａｔ               ｏｆ               ｔｈｅ               ｅｍｐｌｏｙｅｅｓ.

Ｔｈｉｓ               ｉｎ               ｅｓｓｅｎｃｅ               ｆｒｏｍ               ｔｈｅ               ｖｉｅｗ               ｏｆ               ｔｈｅ               ｍａｎａｇｅｒｓ,               ｔｈｅｙ               ｎｅｅｄ               ｔｈｉｓ               ｉｎｆｏｒｍａｔｉｏｎ               ｔｏ               ｍａｋｅ               ｂｕｓｉｎｅｓｓ               ｄｅｃｉｓｉｏｎｓ               ａｓ               ｉｔ               ｒｅｌａｔｅｓ               ｔｏ               ｔｈｅ               ｃｏｍｐａｎｙ               ａｎｄ               ｉｔｓ               ｂｕｓｉｎｅｓｓ               ｏｐｅｒａｔｉｏｎｓ.

Ａｎ               ａｎａｌｙｓｉｓ               ｉｓ               ｄｏｎｅ               ｔｏ               ｇｉｖｅ               ｔｈｅｍ               ｍｏｒｅ               ｄｅｔａｉｌｅｄ               ｉｎｆｏｒｍａｔｉｏｎ               ａｂｏｕｔ               ｔｈｅ               ｆｉｇｕｒｅｓ               ｔｈａｔ               ｗｅｒｅ               ｃａｌｃｕｌａｔｅｄ.

Ｔｈｉｓ               ｉｎｆｏｒｍａｔｉｏｎ               ｉｓ               ｄｅｆｉｎｉｔｅｌｙ               ｕｓｅｄ               ａｓ               ａ               ｍａｊｏｒ               ｐａｒｔ               ｏｆ               ｔｈｅ               ａｎｎｕａｌ               ｒｅｐｏｒｔ               ｔｈａｔ               ｔｈｅ               ｍａｎａｇｅｍｅｎｔ               ｔｅａｍ               ｗｉｌｌ               ｇｉｖｅ               ｔｏ               ｔｈｅ               ｓｔｏｃｋｈｏｌｄｅｒｓ.

Ｔｈｅｙ               ｕｓｅ               ｉｎｆｏｒｍａｔｉｏｎ               ｆｒｏｍ               ｉｎｃｏｍｅ               ｓｔａｔｅｍｅｎｔｓ               ｆｏｒ               ｔｈｅ               ｐｕｒｐｏｓｅｓ               ｏｆ               ｈｉｒｉｎｇ               ｎｅｗ               ｅｍｐｌｏｙｅｅｓ.

Ｏｔｈｅｒ               ｔｈｉｎｇｓ               ｔｈａｔ               ｍａｎａｇｅｒｓ               ａｒｅ               ｃｏｎｃｅｒｎｅｄ               ｗｉｔｈ               ｗｈｅｎ               ｉｔ               ｃｏｍｅｓ               ｔｏ               ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔｓ               ａｒｅ               ｔｈａｔ               ｉｔ               ｗｉｌｌ               ｔｅｌｌ               ｔｈｅｍ               ｉｆ               ｔｈｅｙ               ｃａｎ               ａｆｆｏｒｄ               ｎｅｗ               ｅｑｕｉｐｍｅｎｔ               ｏｒ               ｏｔｈｅｒ               ｏｐｅｒａｔｉｎｇ               ｅｘｐｅｎｓｅｓ               ａｎｄ               ｅｖｅｎ               ｗｈｅｒｅ               ｔｈｅｙ               ｎｅｅｄ               ｔｏ               ｃｕｔ               ｅｘｐｅｎｓｅｓ               ｉｆ               ｔｈｅ               ｐｒｏｆｉｔ               ｆｏｒ               ｔｈｅ               ｃｏｍｐａｎｙ               ｉｓ               ｒｅｌａｔｉｖｅｌｙ               ｌｏｗ.
               Ｈｏｗ               ｗｉｌｌ               ｉｔ               ｈｅｌｐ               ｔｈｅｍ               ｍａｎａｇｅ               ｔｈｅ               ｅｎｔｅｒｐｒｉｓｅ?
               Ｗｈｅｎ               ｉｔ               ｃｏｍｅｓ               ｔｏ               ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔｓ,               ｔｈｅｙ               ａｒｅ               ｖｅｒｙ               ｃｒｕｃｉａｌ               ｉｎ               ｍａｎｙ               ｗａｙｓ.

Ｉｎ               ｆａｃｔ,               ｃｒｅａｔｉｎｇ               ｒｅｇｕｌａｒ               ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔｓ               ｗｉｌｌ               ｈｅｌｐ               ｔｏ               ｋｅｅｐ               ａｎ               ａｃｃｕｒａｔｅ               ｃｏｕｎｔ               ｏｎ               ｔｈｅ               ｐｒｏｇｒｅｓｓ               ｏｆ               ｔｈｅ               ｃｏｍｐａｎｙ.

Ａｓ               Ｉ               ｌｉｓｔｅｄ               ｅａｒｌｉｅｒ,               ｔｈｅ               ｉｎｃｏｍｅ               ｓｔａｔｅｍｅｎｔｓ               ａｎｄ               ｃａｓｈ               ｆｌｏｗ               ｓｈｅｅｔｓ               ａｒｅ               ｄｅｔｒｉｍｅｎｔａｌ               Ｉ               ｔｈｅ               ｐｒｏｃｅｓｓ.

Ｂｙ               ｍａｉｎｔａｉｎｉｎｇ               ａｃｃｕｒａｔｅ               ｒｅｃｏｒｄｓ,               ｉｔ               ｈｅｌｐｓ               ｔｈｅ               ｃｏｍｐａｎｙ               ｔｏ               ｋｎｏｗ               ｔｈｅ               ｔｒｅｎｄｓ               ｉｎ               ｔｈｅｉｒ               ｓａｌｅｓ               ａｎｄ               ｅｘｐｅｎｄｉｔｕｒｅｓ               ｓｏ               ｔｈａｔ               ｉｆ               ｐｒｏｂｌｅｍｓ               ｗｅｒｅ               ｔｏ               ａｒｉｓｅ,               ｔｈｅｙ               ｃａｎ               ｈａｎｄｌｅ               ｔｈｅ               ｉｓｓｕｅｓ               ｂｅｆｏｒｅ               ｔｈｅｙ               ｇｅｔ               ｔｏ               ｄｉｆｆｉｃｕｌｔ               ｔｏ               ｍａｎａｇｅ               ｆｒｏｍ               ａ               ｆｉｎａｎｃｉａｌ               ｓｔａｎｄｐｏｉｎｔ.
               Ｗｈａｔ               ａｒｅ               ｔｈｅ               ｌｉｍｉｔａｔｉｏｎｓ               ｏｆ               ｔｈｅ               ｉｎｆｏｒｍａｔｉｏｎ               ｒｅｇａｒｄｉｎｇ               ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔｓ               ｔｈａｔ               ｙｏｕ               ｐｒｏｖｉｄｅ               ｔｏ               ｔｈｅ               ｍａｎａｇｅｍｅｎｔ               ｔｅａｍ?

               Ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔｓ               ｈａｖｅ               ｎｕｍｅｒｏｕｓ               ｌｉｍｉｔａｔｉｏｎｓ               ｗｈｅｎ               ｉｔ               ｃｏｍｅｓ               ｔｈｅ               ｄａｔａ               ｔｈａｔ               ｗｉｌｌ               ｂｅ               ｇｉｖｅｎ               ｔｏ               ｍａｎａｇｅｍｅｎｔ.

Ｉｔ               ｉｓ               ｅｖｉｄｅｎｔ               ｔｈａｔ               ｔｈｅｓｅ               ｓｔａｔｅｍｅｎｔｓ               ａｒｅ               ｂａｓｉｃａｌｌｙ               ｂａｓｅｄ               ｏｎ               ｆａｃｔｏｒｓ               ｔｈａｔ               ａｒｅ               ｈｉｓｔｏｒｉｃａｌ               Ｉ               ｎａｔｕｒｅ.

Ｔｈｅ               ｆｉｒｓｔ               ｔｈｉｎｇ               ｔｈａｔ               ｌｉｍｉｔｓ               ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔｓ               ｉｓ               ｔｈａｔ               ｓｏｍｅｔｉｍｅｓ               ｔｈｅ               ｆｉｎａｎｃｉａｌ               ｐｏｓｉｔｉｏｎ               ｏｆ               ａ               ｃｏｍｐａｎｙ               ｔｈａｔ               ｉｓ               ｄｉｓｃｌｏｓｅｄ               ｉｓ               ｎｏｔ               ｃｏｒｒｅｃｔ               ｏｒ               ａｃｃｕｒａｔｅ               ｓｉｍｐｌｙ               ｂｅｃａｕｓｅ               ｔｈｅｙ               ｅｎｄ               ｕｐ               ｌｅａｖｉｎｇ               ｓｏｍｅ               ｏｆ               ｔｈｅ               ｅｃｏｎｏｍｉｃ               ｏｒ               ｆｉｎａｎｃｉａｌ               ｆａｃｔｏｒｓ               ｏｆｆ               ｏｆ               ｔｈｅ               ｓｔａｔｅｍｅｎｔ.

Ｉｎ               ｆａｃｔ,               ｉｔ               ｍａｙ               ｂｅ               ｔｈａｔ               ｓｏｍｅ               ｏｆ               ｔｈｅ               ｓｏｃｉａｌ,               ｅｃｏｎｏｍｉｃ,               ｏｒ               ｆｉｎａｎｃｉａｌ               ｆａｃｔｏｒｓ               ｔｈａｔ               ａｒｅ               ｔｒｕｌｙ               ｗｈａｔ               ａｒｅ               ａｆｆｅｃｔｉｎｇ               ｔｈｅ               ｃｏｍｐａｎｙ.

Ｔｈｅ               ｓｅｃｏｎｄ               ｔｈｉｎｇ               ｉｓ               ｔｈａｔ               ｔｈｅ               ｐｒｏｆｉｔｓ               ｔｈａｔ               ｇｅｔ               ｒｅｖｅａｌｅｄ               ｏｎ               ｔｈｅ               ｐｒｏｆｉｔ               ａｎｄ               ｌｏｓｓ               ｓｔａｔｅｍｅｎｔ               ｒｅａｌｌｙ               ｄｏｅｓｎ'ｔ               ｃｌｉｃｋ               ｉｎ               ａ               ｓｅｎｓｅ               ｗｉｔｈ               ｔｈｅ               ｂａｌａｎｃｅ               ｓｈｅｅｔ.

(Ｉｎｄｅｐｅｎｄｅｎｔ,               ＬＬＣ.,               2011).
               Ｔｈｅｒｅ               ｉｓ               ｌｉｍｉｔａｔｉｏｎ               ａｓ               ｗｅｌｌ               ｂｅｃａｕｓｅ               ｔｈｅｒｅ               ｉｓ               ａ               ｐｅｒｓｏｎａｌ               ｊｕｄｇｅｍｅｎｔ               ｉｓｓｕｅ               ｏｎ               ｔｈｅ               ｂｅｈａｌｆ               ｏｆ               ｔｈｅ               ｆｉｎａｎｃｉａｌ               ａｎａｌｙｓｔ.

Ｔｈｅｓｅ               ｔｈｉｎｇｓ               ｔｈａｔ               ａｒｅ               ｏｆ               ｉｓｓｕｅ               ａｒｅ               ｔｈｉｎｇｓ               ｓｕｃｈ               ａｓ:               ｂａｄ               ｄｅｂｔ               ｐｒｏｖｉｓｉｏｎｓ,               ｓｔｏｃｋ               ｖａｌｕａｔｉｏｎ,               ｏｒ               ａ               ｐｒｏｖｉｓｉｏｎ               ｏｆ               ｄｅｐｒｅｃｉａｔｉｏｎ.

Ａｓ               Ｉ               ｓａｉｄ,               ａｌｌ               ｏｆ               ｔｈｅｓｅ               ｔｈｉｎｇｓ               ａｒｅ               ｂａｓｉｃａｌｌｙ               ｌｅｆｔ               ｏｎ               ｈｉｓ               ｓｈｏｕｌｄｅｒｓ               ｔｏ               ｍａｋｅ               ｔｈｅ               ｎｅｃｅｓｓａｒｙ               ｃａｌｌ.

Ａｎｏｔｈｅｒ               ｔｈｉｎｇ               ｔｈａｔ               ｉｓ               ａ               ｌｉｍｉｔｉｎｇ               ｆａｃｔｏｒ               ｉｓ               ｔｈａｔ               ｏｎ               ｔｈｅ               ｉｎｃｏｍｅ               ｓｔａｔｅｍｅｎｔ,               ｉｔ               ｍａｙ               ｎｏｔ               ｄｉｓｃｌｏｓｅ               ｔｈｅ               ｔｒｕｅ               ｉｎｃｏｍｅ               ｏｆ               ｔｈｅ               ｂｕｓｉｎｅｓｓ               ｂｅｃａｕｓｅ               ｏｆ               ｔｈｅ               ｆａｃｔ               ｔｈａｔ               ｓｏｍｅ               ｐｒｏｂａｂｌｅ               ｌｏｓｓｅｓ               ｗｅｒｅ               ｃｏｎｓｉｄｅｒｅｄ               ｗｈｉｌｅ               ｔｈｅ               ｐｒｏｂａｂｌｙ               ｉｎｃｏｍｅｓ               ｗｅｒｅ               ｉｇｎｏｒｅｄ.

Ｔｈｅｎ               ｔｈｅｒｅ               ｉｓ               ｔｈｅ               ｆａｃｔ               ｔｈａｔ               ｆｉｘｅｄ               ａｓｓｅｔｓ               ｇｅｔ               ｓｈｏｗｎ               ａｔ               ｃｏｓｔ               ｌｅｓｓ               ｄｅｐｒｅｃｉａｔｉｏｎ               ｏｎ               ｔｈｅ               ｂａｓｉｓ               ｏｆ               ｊｕｓｔ               ｗｈａｔ               ｔｈｅ               ｆｉｎａｎｃｉａｌ               ａｎａｌｙｓｔ               ｔｈｏｕｇｈｔ               ｗａｓ               ｔｈｅ               ｒｉｇｈｔ               ｔｈｉｎｇ               ｔｏ               ｄｏ.

(Ｉｎｄｅｐｅｎｄｅｎｔ,               ＬＬＣ.,               2011).

Ｗｉｔｈ               ｔｈａｔ               ｂｅｉｎｇ               ｓａｉｄ,               ｗｅ               ａｌｌ               ｕｎｄｅｒｓｔａｎｄ               ｔｈａｔ               ｗｅ               ａｒｅ               ｈｕｍａｎ               ａｎｄ               ａｒｅ               ｖｅｒｙ               ｐｒｏｎｅ               ｔｏ               ｍａｋｉｎｇ               ｍｉｓｔａｋｅｓ               ａｔ               ａｎｙ               ｇｉｖｅｎ               ｔｉｍｅ.
               Ｈｏｗ               ｃａｎ               ｔｈｅ               ｍａｎａｇｅｍｅｎｔ               ｔｅａｍ               ｅｎｓｕｒｅ               ｔｈａｔ               ｔｈｅｙ               ｏｂｔａｉｎ               ａ               ｃｏｍｐｌｅｔｅ               ｐｉｃｔｕｒｅ               ｏｆ               ｔｈｅ               ｅｎｔｅｒｐｒｉｓｅ?
               Ｉｎ               ｍｙ               ｏｐｉｎｉｏｎ,               Ｉ               ｔｈｉｎｋ               ｔｈａｔ               ａ               ｃｏｍｐａｎｙ'ｓ               ｍａｎａｇｅｍｅｎｔ               ｔｅａｍ               ｃａｎ               ｇｅｔ               ａ               ｗｅｌｌ               ｒｏｕｎｄｅｄ               ｖｉｅｗ               ｏｆ               ｈｏｗ               ｗｅｌｌ               ｔｈｅ               ｃｏｍｐａｎｙ               ｉｓ               ｄｏｉｎｇ               ｆｉｒｓｔ               ｂｙ               ｍａｋｉｎｇ               ｓｕｒｅ               ｔｈａｔ               ａｌｌ               ｏｆ               ｔｈｅｉｒ               ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔｓ               ａｒｅ               ｃｏｒｒｅｃｔ               ａｎｄ               ａｃｃｕｒａｔｅ               ｓｏ               ｔｈａｔ               ｔｈｅｒｅ               ａｒｅ               ｎｏ               ｄｉｓｃｒｅｐａｎｃｉｅｓ               ｏｒ               ｃｏｎｆｌｉｃｔｓ               ｔｈａｔ               ｗｏｕｌｄ               ｃａｕｓｅ               ｔｈｅｍ               ｔｏ               ｌｏｓｅ               ｃｒｅｄｉｂｉｌｉｔｙ               ｉｎ               ｔｈｅ               ｅｙｅｓ               ｏｆ               ｔｈｅｉｒ               ｅｍｐｌｏｙｅｅｓ,               ｓｔｏｃｋｈｏｌｄｅｒｓ               ａｎｄ               ｔｈｅ               ｌｉｋｅ.

Ｔｈｅｎ               ａｎｏｔｈｅｒ               ｔｈｉｎｇ               ｔｈａｔ               ｗｉｌｌ               ｈｅｌｐ               ｔｏ               ｅｎｓｕｒｅ               ｔｈｉｓ               ｉｓ               ｔｈａｔ               ｔｈｅｙ               ｓｈｏｕｌｄ               ｄｅｆｉｎｉｔｅｌｙ               ｌｉｓｔｅｎ               ｔｏ               ｔｈｅ               ｃｏｎｃｅｒｎｓ               ｏｆ               ｔｈｅ               ｐｅｏｐｌｅ
               (ｉ.ｅ.

ｃｕｓｔｏｍｅｒｓ)               ｗｈｅｔｈｅｒ               ｔｈｅｙ               ａｒｅ               ｉｎｔｅｒｎａｌ               ｏｒ               ｅｘｔｅｒｎａｌ.

Ｂｅｃａｕｓｅ               ｉｆ               ｔｈｅ               ｃｏｍｐａｎｙ               ｈａｓ               ａ               ｇｏｏｄ               ｃｕｌｔｕｒｅ               ａｎｄ               ｔｈｅ               ｅｍｐｌｏｙｅｅｓ,               ｓｈａｒｅｈｏｌｄｅｒｓ,               ａｎｄ               ｏｗｎｅｒｓ               ａｒｅ               ｈａｐｐｙ,               ｔｈｅｎ               ｔｈｉｓ               ｅｎｓｕｒｅｓ               ｔｈａｔ               ｅｖｅｒｙｔｈｉｎｇ               ｉｓ               ｆｉｎｅ               ａｎｄ               ｏｋａｙ               ｗｉｔｈｉｎ               ｔｈｅ               ｃｏｍｐａｎｙ.
               Ｒｅｆｅｒｅｎｃｅｓ:
               Ｉｎｄｅｐｅｎｄｅｎｔ               Ｓｔｏｃｋ               Ｉｎｖｅｓｔｉｎｇ,               ＬＬＣ.,               (2011).

Ｗｈａｔ               ａｒｅ               ｔｈｅ               Ｌｉｍｉｔａｔｉｏｎｓ               ｏｆ               Ｆｉｎａｎｃｉａｌ               Ｓｔａｔｅｍｅｎｔｓ.

Ｒｅｔｒｉｅｖｅｄ               ｏｎ               Ａｕｇｕｓｔ               19,               2011               ｆｒｏｍ               ｈｔｔｐ://ｗｗｗ.ｉｎｄｅｐｅｎｄｅｎｔ-ｓｔｏｃｋ-ｉｎｖｅｓｔｉｎｇ.ｃｏｍ/Ｌｉｍｉｔａｔｉｏｎｓ-Ｏｆ-Ｆｉｎａｎｃｉａｌ-Ｓｔａｔｅｍｅｎｔｓ.ｈｔｍｌ
               Ｌｏｔｈ,               Ｒｉｃｈａｒｄ,               (2011).

Ｔｈｉｎｇｓ               ｔｈａｔ               Ｙｏｕ               Ｓｈｏｕｌｄ               ｋｎｏｗ               Ａｂｏｕｔ               Ｆｉｎａｎｃｉａｌ               Ｓｔａｔｅｍｅｎｔｓ.

Ｒｅｔｒｉｅｖｅｄ               ｏｎ               Ａｕｇｕｓｔ               19,               2011               ｆｒｏｍ               ｈｔｔｐ://ｗｗｗ.ｉｎｖｅｓｔｏｐｅｄｉａ.ｃｏｍ/ｂａｓｉｃｓ/ｆｉｎａｎｃｉａｌｒｅｐｏｒｔ
               Ｐｌａｎｖｉｅｗ,               Ｉｎｃ.,               (2011).

Ｍａｎａｇｅｍｅｎｔ.

Ｒｅｔｒｉｅｖｅｄ               ｏｎ               Ａｕｇｕｓｔ               20,               2011               ｆｒｏｍ               ｈｔｔｐ://ｗｗｗ.ｐｌａｎｖｉｅｗ.ｃｏｍ/ｐｒｏｄｕｃｔｓ/ｅｎｔｅｒｐｒｉｓｅ/ｉｄｅａｔｉｏｎ-ｍａｎａｇｅｍｅｎｔ/
               ＳＥＣ,               (2009).

Ｆｉｎａｎｃｉａｌ               Ｓｔａｔｅｍｅｎｔｓ.

Ｒｅｔｒｉｅｖｅｄ               ｏｎ               Ａｕｇｕｓｔ               19,               2011               ｆｒｏｍ               ｈｔｔｐ://ｗｗｗ.ｓｅｃ.ｇｏｖ/ｐｕｂｓ

Image of total assets to debt ratio formula