ABC Corparation Five Year Financial Plan

Model Inputs and Investor Scenario

Year One Model Inputs
1. Year One Revenue Expectancy
Annual revenue per financial product
Total year one product (noninterest) revenue
2. Credit Loss Provision Factor
3. Annual Tax Rate

Product 1
$300,000

Product 2
$600,000

Product 3
$750,000

Product 4
$150,000

Year 2
2.00%
2.00%
0.50%

Year 3
4.00%
4.00%
0.50%

Year 4
6.00%
6.00%
0.50%

$1,800,000
3%
30%

General Notes and Assumptions

Profit and Loss Projections

Year-by-Year Profit and Loss Assumptions
Annual cumulative price (revenue) increase
Annual cumulative inflation (expense) increase
Interest rate on ending cash balance

Year 1
0.50%

Balance Sheet Projections

Assets
Initial Balance
Cash and due from banks
Federal funds sold and securities purchased

Year 1

Year 2

Year 3

Year 4

Year 5

$500,000
$0

$210,400
$0

($64,622)
$0

($336,330)
$0

($617,098)
$0

($921,173)
$0

Cash and Cash Equivalents

$500,000

$210,400

($64,622)

($336,330)

($617,098)

($921,173)

Securities available for sale

Securities held to maturity

$200,000
$50,000

$200,000
$50,000

$200,000
$50,000

$200,000
$50,000

$200,000
$50,000

$200,000
$50,000

$250,000

$250,000

$250,000

$250,000

$250,000

$250,000

Total Investment Securities

Loans and leases
Unearned fees
Allowance for credit losses

Total Loans
Accrued interest receivable
Premises and equipment
Other real estate owned
Intangible assets
Cash surrender value of life insurance
Net amortized assets
Deferred income taxes
Other assets

Total Assets

$500,000
$0
$0

$500,000
$0
($3,000)

$500,000
$0
($6,060)

$500,000
$0
($9,242)

$500,000
$0
($12,616)

$500,000
$0
($16,259)

$500,000

$497,000

$493,940

$490,758

$487,384

$483,741

$0
$0
$0
$0
$0
$0
$0
$50,000

$0
$0
$0
$0
$0
$0
$0
$50,000

$0
$0
$0
$0
$0
$0
$0
$50,000

$0
$0
$0
$0
$0
$0
$0
$50,000

$0
$0
$0
$0
$0
$0
$0
$50,000

$0
$0
$0
$0
$0
$0
$0
$50,000

$1,300,000

$1,007,400

$729,318

$454,427

$170,286

($137,432)

Liabilities and Shareholders' Equity

Initial Balance
Deposits
Noninterest-bearing
Interest-bearing

Total Deposits
Federal funds purchased and securities sold
Other borrowings
Accrued interest payable
Accounts payable
Other liabilities

Total Liabilities
Common stock
Preferred stock
Additional paid-in capital
Retained earnings
Unearned employee stock option shares
Accumulated other comprehensive income

Total Equity
Total Liabilities and Equity

Year 1

Year 2

Year 3

Year 4

Year 5

$500,000
$500,000

$500,000
$500,000

$500,000
$500,000

$500,000
$500,000

$500,000
$500,000

$500,000
$500,000

$1,000,000

$1,000,000

$1,000,000

$1,000,000

$1,000,000

$1,000,000

$0
$0
$0
$0
$0

$0
$0
$0
$0
$0

$0
$0
$0
$0
$0

$0
$0
$0
$0
$0

$0
$0
$0
$0
$0

$0
$0
$0
$0
$0

$1,000,000

$1,000,000

$1,000,000

$1,000,000

$1,000,000

$1,000,000

$100,000
$0
$200,000
$0
$0
$0

$100,000
$0
$200,000
($292,600)
$0
$0

$300,000

$7,400

$1,300,000

$1,007,400

$100,000
$0
$200,000
($570,682)
$0
$0

$100,000
$0
$200,000
($845,573)
$0
$0

$100,000
$0
$200,000
($1,129,714)
$0
$0

$100,000
$0
$200,000
($1,437,432)
$0
$0

($270,682)

($545,573)

($829,714)

($1,137,432)

$729,318

$454,427

$170,286

($137,432)

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