Alpen Bank-financial analysis

MIDDLE + Cost Per Prospects Response Qualified Conversi Final Share Effective Total Cost Cost Per FinalAFFLUENT Prospect Reached Rate on Rate Customer Customer Customer CUSTOMERS Rate Acquisition cost per Direct Mail 0.5 2500000 3.00% 75000 0.60 45000.00 0.85 38250.00 41.96% 1.53% 1250000.00 32.68 13.71 customer Take-ones 0.10 2000000 2.50% 50000.0 0.30 15000.00 0.85 12750.00 13.99% 0.64% 200000.00 15.69 2.19 FSI 0.05 3500000 1.50% 52500.0 0.30 15750.00 0.85 13387.50 14.69% 0.38% 175000.00 13.07 1.92 Direct Sales 3000/Rep 60000 25.00% 15000 0.60 9000.00 0.85 7650.00 8.39% 12.75% 30000.00 3.92 0.33 Bind-ins 1.00 50000 50.00% 25000 0.90 22500.00 0.85 19125.00 20.98% 38.25% 50000.00 2.61 0.55 8110000 217500 107250 91162.5 18.7028657617 1 35% 11.61 0.92 0.37 3.97% 12.00 0.00% 25000 0.60 9000.35% 175000.0 0.60 customer Take-ones 0.00 3.97 Direct Sales 3000/Rep 60000 25.00 10.00 12.00 2.85 19125.00 32.00% 15000 0.39 FSI 0.3147853736 2 .51 Bind-ins 1.85 6860000 180000 69375 58968.00 32.50% 50000.00 0.00 32.85 19125.14 2.05 3500000 1.85 6693.5 1250000 3.43% 32.43% 625000.0 0.81% 200000.00 50000 50.43% 32.50% 52500.00 31.85 6375.75 18.00 26.MOST AFFLUENT Cost Per Prospects Response Qualified Conversi Final Share Effective Total Cost Cost Per Final CUSTOMERS Prospect Reached Rate on Rate Customer Customer Customer Rate Acquisition cost per Direct Mail 0.85 7650.81% 10.60 22500.00 0.00 0.15 7500.68 10.75 11.15 7875.00% 37500 0.10 2000000 2.90 22500.43% 50000.97% 30000.00 0. 78 $ 110.78 $ 122.80 $ 1.78 $ 105.00 $ 17.20 $ 34.70 Total Direct Costs $ 38.70 $ 18.82 $ 89.70 $ 18.57 Customer Contribution – Existing $ 102.70 $ 18.00 $ 12.98 $ 18.78 Less       Avg Direct cost/cust $ 20.53 $ 107.70 $ 36.00 $ 6.57 $ 87.28 $ 106.78 $ 122.70 $ 18.42 (millions) 3 .28 Customer # of New Customers 50000 50000 26730 50000 50000 # of existing customers 0 50000 100000 100000 150000 New Contribution $ 4203621 $ 4328621 $ 2347493 $ 4453621 $ 4578621 Existing Contribution $0 $ 5263765 $ 10652529 $ 10777529 $ 16541294 Total Contribution $ 4203621 $ 9592386 $ 13000023 $ 15231151 $ 21119915 Fixed Cost: Infrastructure $ 5000000 $ 5750000 $ 6000000 $ 6250000 $ 700000 Profit/Loss before -$ 796379 $ 3842386 $ 7000023 $ 8981151 $ 20419915 Advertising Advertising $ 2000000 $ 2000000 $ 2000000 $ 2000000 $ 2000000 Cumulative Profit/Loss -$ 2796379 $ 1842386 $ 5000023 $ 6981151 $ 18419915 Cumulative Profit/Loss -$ 2.25 $ 15.95 $ 33.20 Contribution – New $ 84.07 $ 86.78 $ 122.50 $ 16.78 $ 122.07 $ 91.50 Avg Acquisition cost/cust $ 18.84 $ 5.70 $ 31.ALL CUSTOMERS BREAKEVEN Number of Customers 50000 100000 126730 150000 200000 Avg Rev per Customer $ 122. 32 $ 145.31 $ 18.82 $ 148.32 $ 163.92 $ 13.00 $ 12.81 $ 33.50 Avg Acquisition cost/cust $ 18.55 (millions) 4 .08 $ 26.00 $ 17.31 Total Direct Costs $ 38.32 $ 163.31 $ 18.31 $ 30.31 $ 35.32 $ 145.50 $ 130.00 $ 127.50 $ 15.00 $ 132.00 $ 127.32 Less       Avg Direct cost/cust $ 20.82 Customer # of New Customers 50000 40229 50000 50000 50000 # of existing customers 0 50000 50000 100000 150000 New Contribution $ 6250135 $ 5109192 $ 6375135 $ 6500135 $ 6625135 Existing Contribution $0 $ 7265874 $ 7290874 $ 14831749 $ 22622623 Total Contribution $ 6250135 $ 12375066 $ 13666010 $ 21331884 $ 29247758 Fixed Cost: Infrastructure $ 5000000 $ 5375000 $ 5750000 $ 6250000 $ 700000 Profit/Loss before $ 1250135 $ 7000066 $ 7916010 $ 15081884 $ 28547758 Advertising Advertising $ 2000000 $ 2000000 $ 2000000 $ 2000000 $ 2000000 Cumulative Profit/Loss -$ 749865 $ 5000066 $ 5916010 $ 13081884 $ 26547758 Cumulative Profit/Loss -$ 0.32 $ 163.81 Contribution – New $ 125.00 $ 18.AFFLUENT + MOST BREAKEVEN AFFLUENT Number of Customers 50000 90229 100000 150000 200000 Avg Rev per Customer $ 163.32 $ 163.00 $ 5.31 $ 18.31 $ 18.75 $ 5.31 $ 36.50 Customer Contribution – Existing $ 143.32 $ 150. 15 2.79 0.38 0.63 36.57 122.69 2.79 86.33 MOST AFFLUENT 6000+ 13% 2.317488 per card holder (Affluent + Most Affluent Class) 5 .39 23.33 40.28 58.7752928 per card holder (all card holders) Average revenue 163.25 209.317488 HOLDERS (m) Cards in 9.63 0.40 148.75 0.7752928416 5.94 affluent) AFFLUENT 4500-6000 15% 2.5 60.SEGMENT ANNUAL %AGE OF POTENTIAL INTEREST OTHER ANNUAL Share Average revenue POTENTIAL Average INCOME POTENTIAL CARDHOLDER REV REVENUE REV per card holder CARDHOLDERS revenue per HOLDERS S (all card holders) card holder (affluent + most MIDDLE 3500-4500 18% 3.40 0.99 TOTAL CARD 18.13 23.39 37.5 Circulation Average revenue 122.6 8.19 163.5376 66.5 61.75 123.4624 96.