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发帖数: 3337 | 10 如何赚钱? 费用很高啊.
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Estimated Pre-Chartering (Start-Up) Costs
Scenario A
Scenario B
Pre-Chartering Consultant/Organizer Fees
35,000
60,000
Electronic Data Processing
Computer Hardware
2,800
7,500
Second Modem for Drafts, ATMs & ACHs
0
250
General Ledger/Share and Loan Accounting Software
4,000
8,045
Computer Installation & Training
1,485
1,485
Check Writing Software (Laser)
500
500
Report Writing Software
Bank Reconciliation Software
0
0
350
220
Loan Delinquency Notice Printing Software
220
220
Statement Printing Software
275
275
Budgeting Software
0
330
Direct Deposit - ACH Software
0
1,670
Microfiche Service/Basic Setup
Enhanced General Ledger Software (Fixed Assets,
Prepaid/Deferred Expenses, Accrued Expenses)
0
0
250
795
Share Draft Software
0
2,230
ATM Network Software
ATM Option – Positive Balance File
Loan Form Printing (laser or D-matrix) pre-printed forms
0
0
0
3,980
1,110
1,000
Cash Drawer Software
Insurance Calculator, Level Rate
Credit Bureau Software
Credit Bureau Reporting Software
0
0
295
330
795
330
295
330
Asset/Liability Management Software
0
3,500
Voice (Audio) Response System (hardware & software)
0
9,500
Total Estimated EDP Computer Costs
9,905
44,960
Furniture & Equipment - Desks, Chairs, File Cabinets,
Security
4,000
18,000
Leasehold Improvements - Teller Station, Cash Vault
24,000
Marketing/Surveying
1,000
2,000
Total Estimated Pre-Chartering Costs
49,905
148,960
Estimated Post Chartering Costs
Scenario A
Scenario B
Office Staff Compensation
Manager/CEO
28,000
45,000
Teller
0
22,000
Member Service Representative
0
25,000
Accounting/Operations Specialist
0
35,000
Total Office Staff Compensation
28,000
127,000
Office Space
Rent
15,000
24,000
Utilities
3,600
5,400
Leasehold Improvements Amortization (10 yrs.)
2,400
Electronic Data Processing Costs
Depreciation of EDP System (5 yrs.)
1,981
8,992
Annual Hardware/Software Maintenance
Agreements
1,200
5,200
Furniture and Equipment Depreciation (10 yrs.)
400
1,800
Shared Branch/Service Center (Cash Operation
Alternative)
12,000
ATM Network Expenses
50,000
Marketing Expenses
1,000
5,000
Officials/Staff Training Expenses
Disaster Recovery Program /
Business Resumption Contingency Plans
1,000
1,500
4,500
5,500
Other Operating Expenses
23,100
81,600
Total Estimated Annual Operating Expenses
76,781
333,392 |
