Springfield
Case 1. Springfield National Bank Executive Summary Dawson Stores, Inc. is in need of a US $ 1 million credit line from Springfield National Bank on an unsecured basis. This study was conducted to determine if Dawson Stores Inc. will be a good credit risk for the bank by taking into consideration the company’s financial condition, character reference and loan security. Financial ratio and trend analyses show the company’s increasing profitability and long-term stability. It is recommended that the bank approves the credit line that Dawson Stores, Inc. is requesting, as the company knows how to maximize its assets and has shown improving profitability through the years. The long- standing and untainted relationship of the Dawson Stores Inc. and the bank is another factor that supports this recommendation. Case Context Dawson Stores Inc, represented by Mr. John Dawson Jr., wants to apply for a $1M credit line on an unsecured basis for their short-term needs.