Hopfe
CALIFORNIA STATE UNIVERSITY, SACRAMENTO
College of Business Administration
MIS 101 - Data Analysis for Managers
Mini-Case
Herr Andres Lüthi owns a bank in Bern, Switzerland. One of Herr Lüthi’s requirements of his
employees is they must continually solicit unnumbered accounts from foreign investors. Herr
Lüthi prefers to call such accounts “CDs” because they have time limits similar to certificates of
deposits used in the United States.
Being very computer literate, Herr Lüthi created a file, CD, to store his data. In this historical
file, he maintains data of the sales volume of CDs, volume, for his bank. All the data is
maintained on a monthly basis. Included in the data set is call (the number of cold calls Herr
Lüthi’s employees made each month during the period January 1987 through July 1992), rate
(the average rate for a CD), and mail (the number of mailings Herr Lüthi sent out to potential
customers). Because of the excellent services provided by the bank, it is the norm for customers
roll their CDs over into new CDs when their original CDs expire.
It should be noted that several years ago Herr Lüthi took many of his employees on an extended
ski vacation. Records show that the ski vacation was in 1989, February through May. The few
non-skiers, who opted to take their holidays in Spain, continued soliciting CDs. They were, of
course, credited with any walk-in traffic and any roll over accounts.
You were recently offered a position at Herr Lüthi’s bank. As part of your responsibilities, you
are to construct a regression model that can be used to analyze the bank’s performance with
regards to selling CDs. When the Board of Directors met last week, they projected the following
for next month:
Number of Cold Calls
Average Rate for a CD
Number of Mailings
Prepare your analysis for Herr Lüthi.
900
3.50
4,500
CD.SF -
year
1987
1987
1987
1987
1987
1987
1987
1987
1987
1987
1987
1987
1988
1988
1988
1988
1988
1988
1988
1988
1988
1988
1988
1988
1989
1989
1989
1989
1989
1989
1989
1989
1989
1989
1989
1989
1990
1990
1990
1990
1990
1990
1990
1990
1990
1990
1990
1990
1991
month
1
2
3
4
5
6
7
8
9
10
11
12
1
2
3
4
5
6
7
8
9
10
11
12
1
2
3
4
5
6
7
8
9
10
11
12
1
2
3
4
5
6
7
8
9
10
11
12
1
rate
5.87
6.10
6.17
6.52
6.99
6.94
6.70
6.75
7.37
8.02
7.24
7.66
6.92
6.60
6.63
6.92
7.24
7.51
7.94
8.35
8.23
8.36
8.78
9.25
9.20
9.51
10.09
9.94
9.59
9.20
8.76
8.64
8.78
8.60
8.39
8.32
8.16
8.22
8.35
8.42
8.35
8.23
8.10
7.97
8.06
8.06
8.03
7.82
7.17
call
931
606
332
766
670
767
707
683
605
387
542
437
614
597
801
805
846
876
356
225
378
227
457
596
630
0
0
0
0
848
884
522
533
287
851
604
476
937
418
806
263
903
634
929
910
211
205
336
266
mail
4522
2614
1160
1626
1409
4612
3636
2945
2952
1502
1796
4453
3044
3704
1421
3576
2037
2766
4064
1382
3575
4837
4860
4579
3293
3829
4030
1525
2353
4923
3777
1663
4576
4971
3245
4382
2220
4384
4854
3326
4151
1369
2510
3997
2297
1893
2100
1834
4669
volume
106650.8
91089.58
66363.55
144360.4
76434.95
86032.58
95308.45
100874
100826.8
90799.86
102482.6
81090.15
108813.6
79515.48
118591.2
155930.2
114764.4
107752.3
93873.78
69572.72
90620.77
93301.47
110208.5
116815.9
120235.3
88549.9
91179.16
143765.5
89616.82
137440.5
139191.2
124313.5
127095.9
131723.4
116889.7
132792.2
137976.5
131292.3
114876.1
180894.6
112812.7
163731.6
141467.7
135076.2
150287.8
120694.6
93125.83
132174.5
114890.1
April
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
skiing
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
1
1
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1991
1991
1991
1991
1991
1991
1991
1991
1991
1991
1991
1992
1992
1992
1992
1992
1992
1992
2
3
4
5
6
7
8
9
10
11
12
1
2
3
4
5
6
7
6.52
6.45
6.06
5.91
6.07
5.98
5.65
5.47
5.33
4.94
4.47
4.05
4.07
4.25
4.00
3.82
3.86
3.37
516
241
544
355
206
210
759
670
729
951
489
430
877
625
356
386
659
863
1309
1176
2526
1458
3998
3826
4464
1315
4207
3148
1190
2140
3748
3138
3288
4700
4427
1285
end
124861.4
113737.5
174417.7
95490.59
106215
98223.43
147073.2
131774.6
151458.4
136792.4
120353.2
108850.2
142384.9
142380.6
173577.4
126972.6
124831
138191.9
0
0
1
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0