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1、1Model 16-01ALBO Model – Loan Amortization, 5 Year PeriodBank Loan AmortizationLoan $1,800,000Interest Rate 9%Payments $462,766Year 1 Year 2 Year 3 Year 4 Year 5Interest 162,000 134,931 105,426 73,265 38,210Principal 300
2、,766 327,835 357,341 389,501 424,556Balance 1,499,234 1,171,398 814,058 424,556 0Insurance Company Loan AmortizationLoan $0Interest Rate 16%Payments $0Year 1 Year 2 Year 3 Year 4 Year 5Interest 0 0 0 0 0Principal 0 0 0 0
3、 0Balance 0 0 0 0 0Total Loan AmortizationYear 1 Year 2 Year 3 Year 4 Year 5Interest 162,000 134,931 105,426 73,265 38,210Principal 300,766 327,835 357,341 389,501 424,556Balance 1,499,234 1,171,398 814,058 424,556 0Begi
4、nning Year Balance 1,800,000 1,499,234 1,171,398 814,058 424,556% Interest 9.00% 9.00% 9.00% 9.00% 9.00%3Model 16-01CLBO Balance Sheet Analysis, Years 1 to 5Equity position of insurance company 0Management team equity 20
5、0,000Required rate of return to insurance company 0%Year 0 Year 1 Year 2 Year 3 Year 4 Year 5Cash (from Model 16-01B)* - 472,034 933,240 1,382,643 1,819,183 2,241,701Other current assets, net 1,000 1,000 1,000 1,000 1,00
6、0 1,000Total current assets 1,000 473,034 934,240 1,383,643 1,820,183 2,242,701Property 99,000 99,000 99,000 99,000 99,000 99,000Plant & equipment, gross 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000Les
7、s: reserve 500,000 980,000 1,460,000 1,940,000 2,420,000 2,900,000Plant & equipment, net 1,900,000 1,420,000 940,000 460,000 (20,000) (500,000)Total assets 2,000,000 1,992,034 1,973,240 1,942,643 1,899,183 1,841,701D
8、ebt 1,800,000 1,499,234 1,171,398 814,058 424,556 -Equity 200,000 492,800 801,841 1,128,586 1,474,627 1,841,701Total claims 2,000,000 1,992,034 1,973,239 1,942,644 1,899,183 1,841,701% debt 90% 75% 59% 42% 22% 0%Equity A
9、nalysis Previous equity 200,000 492,800 801,841 1,128,586 1,474,627Add: net Income 292,800 309,041 326,744 346,041 367,074New equity balance 492,800 801,841 1,128,586 1,474,627 1,841,701Cash Balance Analysis Net income 2
10、92,800 309,041 326,744 346,041 367,074Add: depreciation 480,000 480,000 480,000 480,000 480,000772,800 789,041 806,744 826,041 847,074Less: debt repayment 300,766 327,835 357,341 389,501 424,556472,034 461,206 449,404 43
11、6,540 422,518Add: Previous cash balance - 472,034 933,240 1,382,643 1,819,183Cash account 472,034 933,240 1,382,643 1,819,183 2,241,701Compounded annual growth rate of book equity 55.9%Payment on equity interest to insur
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