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BANCO CONFEDERADO- Financial Statistics, Dec 94 - Jan 97 (Nominal Bolivares in Millions) |
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|
Dec-96 |
Jun-96 |
Dec-95 |
Jun-95 |
Dec-94 |
|
Balance Sheet |
|
Total Assets |
14,872 |
6,488 |
5,631 |
4,523 |
3,135 |
|
Gross Loans |
3,353 |
1,448 |
937 |
590 |
432 |
|
Gross Investments |
4,622 |
997 |
723 |
737 |
51 |
|
Total Loan Loss Reserve |
60 |
60 |
36 |
12 |
10 |
|
Other Assets |
694 |
859 |
577 |
244 |
349 |
|
Total Deposits |
12,805 |
5,034 |
4,275 |
3,521 |
2,188 |
|
Total Equity |
1,360 |
1,281 |
1,150 |
931 |
869 |
|
Averages |
|
Average Assets |
4,538 |
5,818 |
4,518 |
2,805 |
1,625 |
|
Average Loans |
824 |
1,091 |
1,299 |
341 |
182 |
|
Average Equity |
812 |
1,124 |
968 |
819 |
745 |
|
Average Investments |
724 |
1,035 |
1,583 |
412 |
112 |
|
Asset Quality |
|
Net Interest Income |
836 |
229 |
243 |
129 |
26 |
|
Noninterest Income |
112 |
113 |
170 |
117 |
7 |
|
Extraordinary Gains, Net |
62 |
328 |
91 |
85 |
86 |
|
Total Revenues |
1,429 |
1,064 |
726 |
492 |
177 |
|
Loans Loss Provision |
0 |
24 |
24 |
2 |
9 |
|
Operating Expenses |
955 |
637 |
444 |
257 |
102 |
|
Income Tax |
0 |
0 |
0 |
0 |
0 |
|
Net Income |
23 |
9 |
31 |
62 |
9 |
|
Asset Quality |
|
Total Past Due Loans |
98 |
49 |
10 |
9 |
0 |
|
Loan Loss Reserve/Gross Loans |
1.78 |
4.11 |
3.79 |
2.04 |
2.28 |
|
Past Due Loans / Gross Loans |
2.93 |
3.38 |
1.07 |
1.48 |
0.07 |
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Coverage of Past Due Loans |
60.55 |
121.76 |
354.03 |
137.84 |
3,422.92 |
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Net Past Due Loans / Equity |
2.85 |
(0.83) |
(2.22) |
(0.35) |
(1.10) |
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Capital Adequacy |
|
Equity/Assets |
9.14 |
19.74 |
20.43 |
20.58 |
27.71 |
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Equity / Gross Loans |
40.55 |
88.47 |
122.75 |
157.82 |
201.01 |
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Liquidity |
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Gross Loans / Gross Assets |
22.42 |
22.07 |
16.50 |
12.99 |
13.74 |
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Gross Loans / Deposits |
26.19 |
28.76 |
21.92 |
16.75 |
19.75 |
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Liquid Assets / Assets |
27.68 |
40.00 |
45.53 |
42.39 |
50.05 |
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Profitability |
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Return on Avg. Assets |
1.03 |
0.29 |
1.36 |
4.43 |
1.11 |
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Return on Avg. Equity |
5.73 |
1.52 |
6.35 |
15.17 |
2.41 |
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Net Interest Margin |
36.83 |
7.88 |
10.77 |
9.20 |
3.26 |
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Overhead Ratio |
114.26 |
278.01 |
182.68 |
199.35 |
384.78 |
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Operating Expenses / Avg. Assets |
42.08 |
21.91 |
19.67 |
18.34 |
12.54 |
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Noninterest Inc. / Total Revs. |
7.86 |
10.61 |
23.40 |
23.73 |
3.87 |
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Noninterest Inc. / Op. Exp. |
11.76 |
17.71 |
38.23 |
45.42 |
6.72 |
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Noninterest Inc. / Avg. Assets |
4.95 |
3.88 |
7.52 |
8.33 |
0.84 |
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Provision. / Avg. Assets |
0.53 |
0.83 |
1.28 |
0.85 |
1.10 |
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Effective Tax Rate |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
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Productivity |
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Branches |
22 |
22 |
16 |
6 |
5 |
|
Loans / Branch |
152 |
66 |
59 |
98 |
86 |
|
Deposits / Branch |
582 |
229 |
267 |
587 |
438 |
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Growth Measures |
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Assets |
129.21 |
15.22 |
24.50 |
44.29 |
225.05 |
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Gross Loans |
131.63 |
54.48 |
58.86 |
36.49 |
863.06 |
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Deposits |
154.38 |
17.75 |
21.41 |
60.90 |
1,059.84 |
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Equity |
6.17 |
11.34 |
23.56 |
7.16 |
31.19 |
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Net Income |
172.95 |
(72.25) |
(50.53) |
591.88 |
8.52 |
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Exch. Rate (Period-End Bs/US$) |
474.00 |
469.00 |
290.00 |
170.00 |
170.00 |
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Source: Francisco J. Faraco & Associates. Calculation based on data from Banks Financial Statements. |
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E-Mail: Faracor@spai1.lat.net |
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