BANCO DE LARA - Financial Statistics, Dec 94 - Jan 97 (Nominal Bolivares in Millions)
	Dec-96	Jun-96
Balance Sheet
Total Assets	158,081	121,149
Gross Loans	51,693	29,349
Gross Investments	74,732	65,542
Total Loan Loss Reserve	2,645	2,424
Other Assets	716	1,818
Total Deposits	136,761	105,653
Total Equity	14,593	11,030
Averages
Average Assets	76,937	103,783
Average Loans	17,429	25,109
Average Equity	6,274	7,913
Average Investments	41,390	55,930
Asset Quality
Net Interest Income	11,340	8,084
Noninterest Income	281	379
Extraordinary Gains, Net	209	419
Total Revenues	19,216	18,371
Loans Loss Provision	413	671
Operating Expenses	4,270	3,514
Income Tax	779	500
Net Income	4,563	3,200
Asset Quality
Total Past Due Loans	356	736
Loan Loss Reserve/Gross Loans	5.12	8.26
Past Due Loans / Gross Loans	0.69	2.51
Coverage of Past Due Loans	742.51	329.13
Net Past Due Loans / Equity	(15.69)	(15.30)
Capital Adequacy
Equity/Assets	9.23	9.10
Equity / Gross Loans	28.23	37.58
Liquidity
Gross Loans / Gross Assets	31.73	23.55
Gross Loans / Deposits	37.80	27.78
Liquid Assets / Assets	26.18	55.79
Profitability
Return on Avg. Assets	11.86	6.17
Return on Avg. Equity	145.47	80.87
Net Interest Margin	29.48	15.58
Overhead Ratio	37.65	43.47
Operating Expenses / Avg. Assets	11.10	6.77
Noninterest Inc. / Total Revs.	1.46	2.06
Noninterest Inc. / Op. Exp.	6.58	10.77
Noninterest Inc. / Avg. Assets	0.73	0.73
Provision. / Avg. Assets	4.82	3.21
Effective Tax Rate	14.58	13.51
Productivity
Branches	52	45
Loans / Branch	994	652
Deposits / Branch	2,630	2,348
Growth Measures
Assets	30.48	#¡DIV/0!
Gross Loans	76.13	#¡DIV/0!
Deposits	29.44	#¡DIV/0!
Equity	32.31	#¡DIV/0!
Net Income	42.62	#¡DIV/0!
Exch. Rate (Period-End Bs/US$)	474.00	469.00
Source: Francisco J. Faraco & Associates. Calculation based on data from Banks Financial Statements.
E-Mail: Faracor@spai1.lat.net