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Original Title: FIN1 Midterm Exam1

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- A. H. Pollard (Auth.)-An Introduction to the Mathematics of Finance-Elsevier Ltd, Pergamon (1968)
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OTHERS WILL NOT. From the Student Handbook 2008-2009, Sec. 9.5, p. 75-76

The University strongly prohibits any form of intellectual dishonesty, most common of which are CHEATING & plagiarism.

Specifically prohibited are the following acts of dishonesty: Cheating during examinations which may be in the form of copying from another persons

answers, lifting from unauthorized materials, giving information to another student, or colluding or attempting to collude with other students during an

examination, having somebody else take ones examination or taking it for another person, and using unauthorized notes or texts during an exam. The

penalty for the offenses under the Academic & Intellectual Dishonesty will range from a minimum of total loss of credit for the assignment or examination

in question, suspension of not less than five school days disciplinary probation for the rest of the students stay in the University & a maximum penalty of

dismissal from the University.

Midterm Examination AY 2016-2017

Finance 1 (FIN1)

Students Name: ______________________________________ Instructors Name:_________________

Course & Year: ______________________________________ Score: _________________

General Instructions: Write all answers on the answer sheet provided. Write the CAPITAL LETTER of the

best answer for multiple choice questions. Use only blue or black ink. Attach the answer sheet with the

questionnaire upon submission. You may write on the questionnaire but erasure or any form or alteration of

final answer is not allowed.

1. Last year, Blanda Brothers had positive net cash flow, yet cash on the balance sheet decreased. Which of

the following could explain the companys financial performance? D

a. The company issued new common stock.

b. The company issued new long-term debt.

c. The company sold off some of its assets.

d. The company purchased a lot of new fixed assets.

e. The company eliminated its dividend.

2. Holmes Aircraft recently announced an increase in its net income, yet its net cash flow declined relative to

last year. Which of the following could explain this performance? B

a. The companys interest expense increased.

b. The companys depreciation and amortization expenses declined.

c. The companys operating income declined.

d. All of the statements above are correct.

e. None of the statements above is correct.

3. On its 2001 balance sheet, Sherman Books had retained earnings equal to P510 million. On its 2002

balance sheet, retained earnings were also equal to P510 million. Which of the following statements is most

correct? C

a. The company must have had net income equal to zero in 2002.

b. The company did not pay dividends in 2002.

c. If the companys net income in 2002 was P200 million, dividends paid must have also equaled P200 million.

d. If the company lost money in 2002, they must have paid dividends.

e. None of the statements above is correct.

7 years. Which of the following would occur if a tax law change forced the company to depreciate its fixed

assets over 10 years instead? D

a. The companys tax payment would increase.

b. The companys cash position would increase.

c. The companys net income would increase.

d. Statements a and c are correct.

e. Statements b and c are correct.

a. Accounts receivable show up as current liabilities on the balance sheet.

b. Dividends paid reduce the net income that is reported on a companys income statement.

c. If a company pays more in dividends than it generates in net income, its balance of retained earnings

reported on the balance sheet will fall.

d. Statements a and b are correct.

e. All of the statements above are correct.

6. Haskell Motors common equity on the balance sheet totals P700 million, and the company has 35 million

shares of common stock outstanding. Haskell has significant growth opportunities. Its headquarters has a

book value of P5 million, but its market value is estimated to be P10 million. Over time, Haskell has issued

outstanding debt that has a book value of P10 million and a market value of P5 million. Which of the following

statements is most correct? E

a. Haskells book value per share is P20.

b. Haskells market value per share is probably less than P20.

c. Haskells market value per share is probably greater than P20.

d. Statements a and b are correct.

e. Statements a and c are correct.

7. The CFO of Mulroney Brothers has suggested that the company should issue P300 million worth of common

stock and use the proceeds to reduce some of the companys outstanding debt. Assume that the company

adopts this policy, and that total assets and operating income (EBIT) remain the same. The companys tax rate

will also remain the same. Which of the following will occur? A

a. The companys net income will increase.

b. The companys taxable income will fall.

c. The company will pay less in taxes.

d. Statements b and c are correct.

e. All of the statements above are correct.

8. When a balance sheet amount is related to an income statement amount in computing a ratio, C

a. The income statement amount should be converted to an average for the year.

b. Comparisons with industry ratios are not meaningful.

c. The balance sheet amount should be converted to an average for the year.

d. The ratio loses its historical perspective because a beginning-of-the-year amount is combined with an end-ofthe-year amount.

9. A useful tool in financial statement analysis is the common-size financial statement. What does this tool

enable the financial analyst to do? C

a. Evaluate financial statements of companies within a given industry of approximately the same value.

b. Determine which companies in the same industry are at approximately the same stage of development.

c. Compare the mix of assets, liabilities, capital, revenue, and expenses within a company over time or

between companies within a given industry without respect to relative size.

d. Ascertain the relative potential of companies of similar size in different industries.

10. Last year, a business had no long-term investments; this year long term investments amount to P100,000.

In a horizontal analysis the change in long-term investments should be expressed as C

a. An absolute value of P100,000, and an increase of 100%

b. An absolute value of P100,000 and an increase of 1,000%

c. An absolute value of P100,000 and no value for a percentage change

d. No change in any terms because there was no investment in the previous year.

1. Earnings per share

5. Return on assets

2. Current ratio

6. Inventory turnover

3. Return on sales

7. Receivables turnover

4. Debt-equity ratio

8. Price-earnings ratio

a.

c.

1, 3, 5, 6, 7, and 8 only.

b.

1, 3, 5, and 8 only.

d.

1, 3, and 5 only

12. How are the following used in the calculation of the dividend-pay-out ratio for a company with only common

stock outstanding? C

a.

b.

c.

d.

Numerator

Numerator

Not used

Not used

Numerator

Not used

Denominator

13. Mabuhay Corp. has current assets of P180,000 and current liabilities of P360,000. Which of the following

transactions would improve Mabuhays current ratio? C

a. Refinancing a P60,000 long-term mortgage with a short-term note.

b. Collecting P20,000 of short-term accounts receivable.

c. Purchasing P100,000 of merchandise inventory with a short-term accounts payable.

d. Paying P40,000 of short-term accounts payable.

a. The short term creditor is more interested in cash flows and in working capital management that he is in how

much accounting net income is reported.

b. If the return on total assets is higher than the after-tax cost of long-term debt, then leverage is positive, and

the common stockholders will benefit.

c. The results of financial statements analysis are of value only when viewed in comparison with the results of

other periods or other firms.

d. The inventory turnover is computed by dividing sales by average inventory.

15. The following situations are descriptive of SBD Corporation. Which would be considered as the most

favorable for the common stockholders. B

a. Book value per share of common stock is substantially higher than market value per share; return on

common stockholders equity is less than the rate of interest paid to creditors.

b. Equity ratio is high; return on assets exceeds the cost of borrowing.

c. SBD stops paying dividends on its cumulative preferred stock; the price-earnings ratio of common stock is

low.

d. Equity ratio is low; return on assets exceeds the cost of borrowing.

16. In a comparison of 1992 to 1991, Neir Co.s inventory turnover ratio increased substantially although sales

and inventory amounts were essentially unchanged. Which of the following statements explains the increased

inventory turnover ratio? D

a. Cost of goods sold decreased.

b. Accounts receivable turnover increased.

c. Total asset turnover increased.

d. Gross profit percentage decreased.

17. A companys current ratio is 2.2 to 1 and the quick ratio is 1.0 to 1 at the beginning of the year. At the end

of the year, the company has a current ratio of 2.5 to 1 and a quick ratio of 0.8 to 0.1 Which of the following

could help explain the divergence in the ratios from the beginning to the end of the year? A

a. An increase in inventory levels during the year.

b. An increase in credit sales in relationship to sales

c. An increase in the use of payables during the current year.

d. An increase in the use of payables during the current year.

A. Be about the same as the debt-to-assets ratio.

B. Be higher than the debt-to-assets ratio.

C. Be lower than the debt-to-assets ratio.

D. Have no relationship at all to the debt-to-assets ratio.

19. You have determined the profitability of a planned project by finding the present value of all the cash flows

from that project. Which of the following would cause the project to look more appealing in terms of the

present value of those cash flows? A

b. The cash flows are extended over a longer period of time, but the total amount of the cash flows remains the

same.

c. The discount rate increases.

d. Statements b and c are correct.

e. Statements a and b are correct.

a. A 5-year P100 annuity due will have a higher present value than a

5-year P100 ordinary annuity.

b. A 15-year mortgage will have larger monthly payments than a 30-year mortgage of the same amount and

same interest rate.

c. If an investment pays 10 percent interest compounded annually, its effective rate will also be 10 percent.

d. Statements a and c are correct.

e. All of the statements above are correct.

21. The future value of a lump sum at the end of five years is P1,000. The nominal interest rate is 10 percent

and interest is compounded semiannually. Which of the following statements is most correct? D

a. The present value of the P1,000 is greater if interest is compounded monthly rather than semiannually.

b. The effective annual rate is greater than 10 percent.

c. The periodic interest rate is 5 percent.

d. Statements b and c are correct.

e. All of the statements above are correct.

22. You are interested in investing your money in a bank account. Which of the following banks provides you

with the highest effective rate of interest? D

a. Bank 1; 8 percent with monthly compounding.

b. Bank 2; 8 percent with annual compounding.

c. Bank 3; 8 percent with quarterly compounding.

d. Bank 4; 8 percent with daily (365-day) compounding.

e. Bank 5; 7.8 percent with annual compounding.

23. Your family recently obtained a 30-year (360-month) P100,000 fixed-rate mortgage. Which of the following

statements is most correct? (Ignore all taxes and transactions costs.) B

a. The remaining balance after three years will be P100,000 less the total amount of interest paid during the

first 36 months.

b. The proportion of the monthly payment that goes towards repayment of principal will be higher 10 years from

now than it will be this year.

c. The monthly payment on the mortgage will steadily decline over time.

d. All of the statements above are correct.

e. None of the statements above is correct.

24. Suppose someone offered you the choice of two equally risky annuities, each paying P10,000 per year for

five years. One is an ordinary (or deferred) annuity, the other is an annuity due. Which of the following

statements is most correct? C

a. The present value of the ordinary annuity must exceed the present value of the annuity due, but the future

value of an ordinary annuity may be less than the future value of the annuity due.

b. The present value of the annuity due exceeds the present value of the ordinary annuity, while the future

value of the annuity due is less than the future value of the ordinary annuity.

c. The present value of the annuity due exceeds the present value of the ordinary annuity, and the future value

of the annuity due also exceeds the future value of the ordinary annuity.

d. If interest rates increase, the difference between the present value of the ordinary annuity and the present

value of the annuity due remains the same.

e. Statements a and d are correct.

a. The first payment under a 3-year, annual payment, amortized loan for P1,000 will include a smaller

percentage (or fraction) of interest if the interest rate is 5 percent than if it is 10 percent.

b. If you are lending money, then, based on effective interest rates, you should prefer to lend at a 10 percent

nominal, or quoted, rate but with semiannual payments, rather than at a 10.1 percent nominal rate with annual

payments. However, as a borrower you should prefer the annual payment loan.

c. The value of a perpetuity (say for P100 per year) will approach infinity as the interest rate used to evaluate

the perpetuity approaches zero.

d. Statements b and c are correct.

e. All of the statements above are correct.

Part 2. Problems. (3 points each) All supporting computations must be presented. Answers with no

supporting computation will not be given credit.

1. At the beginning of the year, Gonzales Corporation had P100,000 in cash. The company undertook a major

expansion during this same year. Looking at its statement of cash flows, you see that the net cash provided by

its operations was P300,000 and the companys investing activities required cash expenditures of P800,000.

The companys cash position at the end of the year was P50,000. What was the net cash provided by the

companys financing activities? 450,00

2. Cox Corporation recently reported an EBITDA of P22.5 million and P5.4 million of net income. The company

has P6 million interest expense and the corporate tax rate is 35 percent. What was the companys

depreciation and amortization expense? 8,192,308

3. Scranton Shipyards has P20 million in total investor-supplied operating capital. The companys WACC is 10

percent. The company has the following income statement:

Sales

Operating costs

Operating income (EBIT)

Interest expense

Earnings before taxes (EBT)

P10.0 million

6.0 million

P 4.0 million

2.0 million

P 2.0 million

Taxes (40%)

0.8 million

Net income

P 1.2 million

4. Coolidge Cola is forecasting the following income statement:

Sales

Operating costs excluding depreciation and amortization

EBITDA

Depreciation and amortization

Operating income (EBIT)

Interest expense

Taxable income (EBT)

Taxes (40%)

Net income

P30,000,000

20,000,000

P10,000,000

5,000,000

P 5,000,000

2,000,000

P 3,000,000

1,200,000

P 1,800,000

Assume that, with the exception of depreciation, all other non-cash revenues and expenses sum to zero.

Congress is considering a proposal that will allow companies to depreciate their equipment at a faster

rate. If this provision were put in place, Coolidges depreciation expense would be P8,000,000 (instead of

P5,000,000). This proposal would have no effect on the economic value of the companys equipment, nor would

it affect the companys tax rate, which would remain at 40 percent. If this proposal were to be implemented, what

would be the companys net cash flow? 8,000,000

5. Barr Co. has total debt of P420,000 and shareholders equity of P700,000. Barr is seeking capital to fund an

expansion. Barr is planning to issue an additional P300,000 in common stock, and is negotiating with a bank to

borrow additional funds. The bank is requiring a debt-to-equity rate of 0.75. What is the maximum additional

amount Barr will be able to borrow? 330,000

6. Perry Technologies Inc. had the following financial information for the past year:

Sales

P860,000

Inventory turnover

8x

Quick ratio

1.5

Current ratio

1.75

7. Alumbat Corporation has P800,000 of debt outstanding, and it pays an interest rate of 10 percent annually on

its bank loan. Alumbats annual sales are P3,200,000, its average tax rate is 40 percent, and its net profit margin

on sales is 6 percent. If the company does not maintain a TIE ratio of at least 4 times, its bank will refuse to

renew its loan, and bankruptcy will result. What is Alumbats current TIE ratio? 5.0x

8. Victoria Enterprises has P1.6 million of accounts receivable on its balance sheet. The companys DSO is 40

(based on a 360-day year), its current assets are P2.5 million, and its current ratio is 1.5. The company plans to

reduce its DSO from 40 to the industry average of 30 without causing a decline in sales. The resulting decrease

in accounts receivable will free up cash that will be used to reduce current liabilities. If the company succeeds in

its plan, what will Victorias new current ratio be? 1.66

Annual sales

P1,200,000

4.8

Current liabilities

P 375,000

Current ratio

1.2

(DSO)

40

(360-day year)

The companys current assets consist of cash, inventories, and accounts receivable. How much cash does Taft

have on its balance sheet? 66,667

10. Last year, Thomas Lumber Co. had a profit margin of 10 percent, total assets turnover of 0.5, and a debt ratio

of 20 percent. (The company finances its assets with debt and common equity; it does not use preferred stock.)

This year, the companys CFO wants to double ROE. She expects the total assets turnover will remain at 0.5,

while the profit margin and debt ratio will increase enough to double ROE. Assume that the profit margin is

increased to 15 percent, what debt ratio will the company need in order to double its ROE? 0.40

11. Southeast Packagings ROE last year was only 5 percent, but its management has developed a new

operating plan designed to improve things. The new plan calls for a total debt ratio of 60 percent, which will

result in interest charges of P8,000 per year. Management projects an EBIT of P26,000 on sales of P240,000,

and it expects to have a total assets turnover ratio of 2.0. Under these conditions, the average tax rate will be

40 percent. If the changes are made, what return on equity will Southeast earn? 22.50%

You are requested to reconstruct the accounts of Angela Trading for analysis. The following data were made

available to you:

P472,500

P300,000

P750,000

35%

0.8:1

10

Quick ratio

1.3:1

18%

20%

16. Today is your 23rd birthday. Your aunt just gave you P1,000. You have used the money to open up a

brokerage account. Your plan is to contribute an additional P2,000 to the account each year on your birthday,

up through and including your 65th birthday, starting next year. The account has an annual expected return of

12 percent. How much do you expect to have in the account right after you make the final P2,000 contribution

on your 65th birthday? 2,045,442

17. A real estate investment has the following expected cash flows:

Year

Cash Flows

P10,000

25,000

50,000

35,000

The discount rate is 8 percent. What is the investments present value? 96,110

18. Gomez Electronics needs to arrange financing for its expansion program. Bank A offers to lend Gomez the

required funds on a loan in which interest must be paid monthly, and the quoted rate is 8 percent. Bank B will

charge 9 percent, with interest due at the end of the year. What is the difference in the effective annual rates

charged by the two banks? 0.70%

19. An investment pays you 9 percent interest compounded semiannually. A second investment of equal risk,

pays interest compounded quarterly. What nominal rate of interest would you have to receive on the second

investment in order to make you indifferent between the two investments? 8.90%

20. Today, Bruce and Brenda each have P150,000 in an investment account. No other contributions will be

made to their investment accounts. Both have the same goal: They each want their account to reach P1

million, at which time each will retire. Bruce has his money invested in risk-free securities with an expected

annual return of 5 percent. Brenda has her money invested in a stock fund with an expected annual return of

10 percent. How many years after Brenda retires will Bruce retire? 19 years

21. Robert recently borrowed P20,000 to purchase a new car. The car loan is fully amortized over 4 years. In

other words, the loan has a fixed monthly payment, and the loan balance will be zero after the final monthly

payment is made. The loan has a nominal interest rate of 12 percent with monthly compounding. Looking

ahead, Robert thinks there is a chance that he will want to pay off the loan early, after 3 years (36 months).

What will be the remaining balance on the loan after he makes the 36th payment? 5,927.59

22. Your subscription to Joggers World Monthly is about to run out and you have the choice of renewing it by

sending in the P10 a year regular rate or of getting a lifetime subscription to the magazine by paying P100.

Your cost of capital is 7 percent. How many years would you have to live to make the lifetime subscription the

better buy? Payments for the regular subscription are made at the beginning of each year. 15 years

23. Today is your 20th birthday. Your parents just gave you P5,000 that you plan to use to open a stock

brokerage account. Your plan is to add P500 to the account each year on your birthday. Your first P500

contribution will come one year from now on your 21st birthday. Your 45th and final P500 contribution will occur

on your 65th birthday. You plan to withdraw P5,000 from the account five years from now on your 25th birthday

to take a trip to Europe. You also anticipate that you will need to withdraw P10,000 from the account 10 years

from now on your 30th birthday to take a trip to Asia. You expect that the account will have an average annual

return of 12 percent. How much money do you anticipate that you will have in the account on your 65th

birthday, following your final contribution? 505,803

24. You are saving for the college education of your two children. One child will enter college in 5 years, while

the other child will enter college in 7 years. College costs are currently P10,000 per year and are expected to

grow at a rate of 5 percent per year. All college costs are paid at the beginning of the year. You assume that

each child will be in college for four years. You currently have P50,000 in your educational fund. Your plan is to

contribute a fixed amount to the fund over each of the next 5 years. Your first contribution will come at the end

of this year, and your final contribution will come at the date when you make the first tuition payment for your

oldest child. You expect to invest your contributions into various investments, which are expected to earn 8

percent per year. How much should you contribute each year in order to meet the expected cost of your

childrens education? 3,712

25. John is saving for his retirement. Today is his 40th birthday. John first started saving when he was 25 years

old. On his 25th birthday, John made the first contribution to his retirement account; he deposited P2,000 into

an account that paid 9 percent interest, compounded monthly. Each year on his birthday, John contributes

another P2,000 to the account. The 15th (and last) contribution was made last year on his 39th birthday.

John wants to close the account today and move the money to a stock fund that is expected to earn an

effective return of 12 percent a year. Johns plan is to continue making contributions to this new account each

year on his birthday. His next contribution will come today (age 40) and his final planned contribution will be on

his 65th birthday. If John wants to accumulate P3,000,000 in his account by age 65, how much must he

contribute each year until age 65 (26 contributions in all) to achieve his goal? 12,471

26. Your family recently bought a house. You have a $100,000, 30-year mortgage with a 7.2 percent nominal

annual interest rate. Interest is compounded monthly and all payments are made at the end of the month.

What is the monthly payment on the mortgage? 678.79

27. Using the same information on No. 26, what percentage of the total payments during the first three years is

going towards the principal? 12.91

28. The Huck Printing Co. had sales of $10 million, Operating Income of $3 million; Aftertax income of $1

million; assets of $8 million; Stockholders' equity of $5 million; and a total debt of $3 million. What is Huck's

return on equity? 20%

29. Based on the following data, what is the amount of quick assets?

Accounts payable

$ 30,000

Accounts receivable

65,000

Accrued liabilities

7,000

Cash

20,000

Intangible assets

40,000

Inventory

72,000

Long-term investments

100,000

Long-term liabilities

75,000

Marketable securities

36,000

20,000

625,000

Prepaid expenses

2,000

121,000

30. A company with working capital of $400,000 and a current ratio of 2.5 pays a $75,000 short-term liability.

The amount of working capital immediately after payment is ______. 400,000

<<<END>>>

Your struggles are real. Ive been there. Whatever happens, know that your worth is not

defined by the worlds standards. You are PRECIOUS.

Important Reminder: A TRUE LASALLIAN CHOOSES TO BE HONEST EVEN IF OTHERS ARE NOT, EVEN IF OTHERS CANNOT, & EVEN IF

OTHERS WILL NOT. From the Student Handbook 2008-2009, Sec. 9.5, p. 75-76

The University strongly prohibits any form of intellectual dishonesty, most common of which are CHEATING & plagiarism.

Specifically prohibited are the following acts of dishonesty: Cheating during examinations which may be in the form of copying from another persons

answers, lifting from unauthorized materials, giving information to another student, or colluding or attempting to collude with other students during an

examination, having somebody else take ones examination or taking it for another person, and using unauthorized notes or texts during an exam. The

penalty for the offenses under the Academic & Intellectual Dishonesty will range from a minimum of total loss of credit for the assignment or examination

in question, suspension of not less than five school days disciplinary probation for the rest of the students stay in the University & a maximum penalty of

dismissal from the University.

Midterm Examination AY 2015-2016

Finance 1 (FIN1)

ANSWER SHEET

Students Name: ______________________________________ Instructors Name:_________________

Course & Year: ______________________________________ Score: _________________

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