Question

Could someone help me fill out this sheet? All the inputs are given

Checks			Y1	Y2	Y3	Y4	Y5
C1: NI - Dividends - Change in   RE = 0			0.00	0.00	0.00	0.00	0.00
C2: Net cash flow - Change in   cash = 0					0.00	0.00	0.00
C3: A-L-E = 0			0.00	0.00	0.00	0.00	0.00
C4: Direct OCF - Indirect OCF   = 0			0.00	0.00	0.00	0.00	0.00
Inputs			Y1	Y2	Y3	Y4	Y5
Premiums received and their   growth [cash flows]			1,000.00	10.00%	10.00%	10.00%	10.00%
Claim expense as % of premiums   earned [income statement]			75.00%	75.00%	75.00%	75.00%	75.00%
Policy acquisition costs paid   as % of premiums received [cash flows]			10.00%	10.00%	10.00%	10.00%	10.00%
General and admin (G&A)   expenses as % of premiums earned			13.00%	13.00%	13.00%	13.00%	13.00%
Cash needed for liquidity   [does not earn interest] as % of premiums received			4.00%	4.00%	4.00%	4.00%	4.00%
Accrued G&A expenses as %   G&A expenses			9.00%	9.00%	9.00%	9.00%	9.00%
Investment yield			3.00%	3.00%	3.00%	3.00%	3.00%
Dividend payout as % of net   income			60.00%	60.00%	60.00%	60.00%	60.00%
Capital contributions			400.00	0.00	0.00	0.00	0.00
Effect of policies written in   year n on years n, n+1, and n+2			n	n+1	n+2
Schedule of revenues earned   as % of premiums received from policies written in year n			70.00%	30.00%
Reversed revenues earned %   for sumproduct			30.00%	70.00%
Schedule of claims paid as %   of claim expense in year n			60.00%	30.00%	10.00%
Reversed claims paid % for   sumproduct			10.00%	30.00%	60.00%
Income Statement			Y1	Y2	Y3	Y4	Y5
Premiums earned
Claim expenses [No - before   the number]
Amortization   of deferred policy acquisition costs [No - before the number]     [Expense matched to timing of revenues generated.]
General and administrative   expenses [No - before the number]
= Underwriting profits
Investment income [AVERAGE   investment balance*investment yield]
= Net income
Ending balance sheet
Investments [This is the plug   that balances the balance sheet.]
Cash [=cash needed for   liquidity only after the model is nearly done]
Deferred policy acquisition   costs
Unearned premiums
Unpaid claims
Accrued general and   administrative expenses
Paid-in capital
Retained earnings
Direct cash flow statement
Premiums received			1,000.00
Claims (paid) [Put - before   the number]
Policy acquisition costs   (paid) [Put - before the number]
General and admin. expenses   (paid) [Put - before the number]
Investment income
= Operating cash flow
= Investing cash flow
Capital contributions
(Dividends)
= Financing cash flow
= Net cash flow
Funding computations
Level of operating assets   needed
Less: Level of operating   liabilities needed
= Level of net operating   assets (liabilities) or the need for invested capital
Plus: Level of cash needed for   liquidity
= Level of net funding needed   (available)
Level of shareholders' equity   available
= Level of cash needed   (available for investments)
Indirect operating cash flow   statement