|
|
BANCO LATINO- Financial Statistics, Dec 94 - Jan 97 (Nominal Bolivares in Millions) |
|
|
Dec-96 |
Jun-96 |
Dec-95 |
Jun-95 |
Dec-94 |
|
Balance Sheet |
|
Total Assets |
224,411 |
215,518 |
326,989 |
329,993 |
215,604 |
|
Gross Loans |
51,197 |
110,740 |
113,667 |
92,541 |
139,837 |
|
Gross Investments |
139,277 |
78,231 |
163,851 |
34,309 |
86,339 |
|
Total Loan Loss Reserve |
27,683 |
42,869 |
42,184 |
35,986 |
65,269 |
|
Other Assets |
10,845 |
45,050 |
69,435 |
206,850 |
26,400 |
|
Total Deposits |
136,081 |
116,189 |
212,917 |
244,852 |
101,347 |
|
Total Equity |
30,855 |
24,694 |
21,516 |
11,516 |
10,550 |
|
Averages |
|
Average Assets |
155,900 |
308,218 |
335,113 |
309,390 |
276,838 |
|
Average Loans |
17,754 |
34,596 |
92,681 |
70,430 |
75,341 |
|
Average Equity |
13,354 |
17,260 |
11,947 |
8,907 |
8,175 |
|
Average Investments |
75,346 |
87,991 |
91,979 |
66,707 |
62,372 |
|
Asset Quality |
|
Net Interest Income |
19,998 |
5,363 |
10,504 |
15,324 |
13,794 |
|
Noninterest Income |
2,341 |
1,474 |
1,616 |
1,739 |
1,373 |
|
Extraordinary Gains, Net |
3,760 |
15,472 |
11,784 |
45 |
865 |
|
Total Revenues |
35,361 |
50,628 |
53,361 |
40,543 |
29,734 |
|
Loans Loss Provision |
5,501 |
2,000 |
5,599 |
5,520 |
2,470 |
|
Operating Expenses |
13,443 |
16,196 |
17,657 |
8,954 |
7,568 |
|
Income Tax |
0 |
0 |
0 |
0 |
0 |
|
Net Income |
5,080 |
3,177 |
0 |
967 |
4,135 |
|
Asset Quality |
|
Total Past Due Loans |
28,275 |
51,827 |
57,482 |
50,512 |
102,298 |
|
Loan Loss Reserve/Gross Loans |
54.07 |
38.71 |
37.11 |
38.89 |
46.68 |
|
Past Due Loans / Gross Loans |
55.23 |
46.80 |
50.57 |
54.58 |
73.16 |
|
Coverage of Past Due Loans |
97.90 |
82.72 |
73.39 |
71.24 |
63.80 |
|
Net Past Due Loans / Equity |
1.92 |
36.28 |
71.10 |
126.13 |
350.99 |
|
Capital Adequacy |
|
Equity/Assets |
13.75 |
11.46 |
6.58 |
3.49 |
4.89 |
|
Equity / Gross Loans |
60.27 |
22.30 |
18.93 |
12.44 |
7.54 |
|
Liquidity |
|
Gross Loans / Gross Assets |
20.19 |
42.67 |
30.70 |
25.21 |
49.14 |
|
Gross Loans / Deposits |
37.62 |
95.31 |
53.39 |
37.79 |
137.98 |
|
Liquid Assets / Assets |
69.75 |
15.73 |
3.76 |
7.22 |
29.98 |
|
Profitability |
|
Return on Avg. Assets |
6.52 |
2.06 |
0.00 |
0.62 |
2.99 |
|
Return on Avg. Equity |
76.07 |
36.82 |
0.00 |
21.70 |
101.17 |
|
Net Interest Margin |
25.66 |
3.48 |
6.27 |
9.91 |
9.97 |
|
Overhead Ratio |
67.22 |
301.99 |
168.10 |
58.43 |
54.87 |
|
Operating Expenses / Avg. Assets |
17.25 |
10.51 |
10.54 |
5.79 |
5.47 |
|
Noninterest Inc. / Total Revs. |
6.62 |
2.91 |
3.03 |
4.29 |
4.62 |
|
Noninterest Inc. / Op. Exp. |
17.41 |
9.10 |
9.15 |
19.42 |
18.14 |
|
Noninterest Inc. / Avg. Assets |
3.00 |
0.96 |
0.96 |
1.12 |
0.99 |
|
Provision. / Avg. Assets |
9.02 |
1.91 |
3.73 |
4.65 |
3.13 |
|
Effective Tax Rate |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
|
Productivity |
|
Branches |
44 |
73 |
97 |
97 |
97 |
|
Loans / Branch |
1,164 |
1,517 |
1,172 |
954 |
1,442 |
|
Deposits / Branch |
3,093 |
1,592 |
2,195 |
2,524 |
1,045 |
|
Growth Measures |
|
Assets |
4.13 |
(34.09) |
(0.91) |
53.06 |
(23.93) |
|
Gross Loans |
(53.77) |
(2.57) |
22.83 |
(33.82) |
51.85 |
|
Deposits |
17.12 |
(45.43) |
(13.04) |
141.60 |
24.74 |
|
Equity |
24.95 |
14.77 |
86.83 |
9.16 |
64.46 |
|
Net Income |
59.87 |
100.00 |
(100.00) |
(76.63) |
N/A |
|
Exch. Rate (Period-End Bs/US$) |
474.00 |
469.00 |
290.00 |
170.00 |
170.00 |
|
Source: Francisco J. Faraco & Associates. Calculation based on data from Banks Financial Statements. |
|
E-Mail: Faracor@spai1.lat.net |
|
