Wilson Lumber Company Case Study

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Wilson Lumber Company Case Study After a rapid growth in its business during recent years, the Wilson Lumber Company in the spring of 2002 anticipated a further substantial increase in sales. Despite good profits, the company had experienced a shortage of cash and had found it necessary to increase its borrowing from the Suburban National Bank to $1,630,000 at the end of 2001. The maximum loan that Suburban National would make to any one borrower was $1,650,000 and Wilson had been able to stay within this limit only by relying very heavily on trade credit. Mr. Roger Wilson, owner and president of the Wilson Lumber Company, was therefore actively looking elsewhere for a new banking relationship where he would be able to negotiate a larger loan. Mr. Wilson had recently been introduced by a personal friend to Mr. George Dodge, an officer of a much larger bank, the Northrup National Bank. The two men had tentatively discussed the possibility that the Northrup bank might extend a line of credit to Wilson Lumber up to a maximum amount of $3,250,000. Mr. Wilson thought that a loan of this size would more than meet his foreseeable needs, but he was eager for the flexibility that a line of credit of this size would provide. Subsequent to this discussion Mr. Dodge had arranged for the credit department of the Northrup National Bank to investigate Mr. Wilson and his company. The Wilson Lumber Company had been founded in 1990 as a partnership by Mr. Wilson and his brother-in-law, Mr. Henry Stark. In 1997 Mr. Wilson bought out Mr. Stark's interest for $750,000 and incorporated the business. The business was located in a growing suburb of a large city. The company owned land with access to a railroad siding, and two large storage buildings had been erected on this land. The company's operations were limited to the wholesale distribution of lumber products

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