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110) Vargas Financial (VF) only offers checking accounts. Customers can write checks and use a
network of automated teller machines. VF earns revenue by investing the money deposited
(subject to reserve requirements). Currently VF averages 6% return annually on its investments.
In order to compete with larger banks, VF pays depositors 1% on all deposits. A recent study
classified the operating costs of the bank into four activities. Data on these activities are:
Activity Cost Driver Cost Driver Volume
Use ATM number of uses $ 2,000,000 10,000,000 uses
Visit branch number of visits 6,000,000 750,000 visits
Process transaction number of transactions 4,000,000 40,000,000
transactions
General bank overhead total deposits 8,000,000 450,000,000
Total overhead $ 20,000,000
Data on two representative customers are shown below:
Customer A Customer B
ATM uses 300 50
Branch visits 5 20
Number of transactions 60 1,200
Average deposit $ 450 $ 10,000
Required:
(a) Compute the operating profit for Vargas Financial.
(b) Compute the profit of Customer A and Customer B, assuming that customer costs are based
only on deposits.
(c) Compute the profit of Customer A and Customer B, assuming that customer costs are
computed using the information in the activity-based costing analysis.