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BANCO MONAGAS- 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 |
4,844 |
2,469 |
2,464 |
N/A |
N/A |
|
Gross Loans |
754 |
604 |
704 |
N/A |
N/A |
|
Gross Investments |
2,355 |
557 |
537 |
N/A |
N/A |
|
Total Loan Loss Reserve |
30 |
35 |
30 |
N/A |
N/A |
|
Other Assets |
99 |
85 |
84 |
N/A |
N/A |
|
Total Deposits |
3,488 |
1,514 |
1,651 |
N/A |
N/A |
|
Total Equity |
930 |
905 |
757 |
N/A |
N/A |
|
Averages |
|
Average Assets |
1,875 |
2,484 |
2,104 |
N/A |
N/A |
|
Average Loans |
371 |
696 |
1,384 |
N/A |
N/A |
|
Average Equity |
532 |
737 |
678 |
N/A |
N/A |
|
Average Investments |
553 |
559 |
1,398 |
N/A |
N/A |
|
Asset Quality |
|
Net Interest Income |
252 |
184 |
119 |
N/A |
N/A |
|
Noninterest Income |
134 |
3 |
2 |
N/A |
N/A |
|
Extraordinary Gains, Net |
0 |
149 |
93 |
N/A |
N/A |
|
Total Revenues |
505 |
455 |
331 |
N/A |
N/A |
|
Loans Loss Provision |
72 |
5 |
4 |
N/A |
N/A |
|
Operating Expenses |
237 |
106 |
93 |
N/A |
N/A |
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Income Tax |
7 |
0 |
5 |
N/A |
N/A |
|
Net Income |
44 |
225 |
113 |
N/A |
N/A |
|
Asset Quality |
|
Total Past Due Loans |
27 |
87 |
44 |
N/A |
N/A |
|
Loan Loss Reserve/Gross Loans |
3.98 |
5.76 |
4.21 |
N/A |
N/A |
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Past Due Loans / Gross Loans |
3.62 |
14.46 |
6.23 |
N/A |
N/A |
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Coverage of Past Due Loans |
110.10 |
39.83 |
67.54 |
N/A |
N/A |
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Net Past Due Loans / Equity |
(0.30) |
5.81 |
1.88 |
N/A |
N/A |
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Capital Adequacy |
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Equity/Assets |
19.19 |
36.66 |
30.71 |
N/A |
N/A |
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Equity / Gross Loans |
123.34 |
149.78 |
107.40 |
N/A |
N/A |
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Liquidity |
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Gross Loans / Gross Assets |
15.32 |
24.14 |
28.25 |
N/A |
N/A |
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Gross Loans / Deposits |
21.61 |
39.90 |
42.66 |
N/A |
N/A |
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Liquid Assets / Assets |
27.27 |
42.81 |
37.91 |
N/A |
N/A |
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Profitability |
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Return on Avg. Assets |
4.64 |
18.12 |
10.76 |
N/A |
N/A |
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Return on Avg. Equity |
16.36 |
61.05 |
33.36 |
N/A |
N/A |
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Net Interest Margin |
26.88 |
14.83 |
11.31 |
N/A |
N/A |
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Overhead Ratio |
93.99 |
57.80 |
78.38 |
N/A |
N/A |
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Operating Expenses / Avg. Assets |
25.27 |
8.57 |
8.86 |
N/A |
N/A |
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Noninterest Inc. / Total Revs. |
26.54 |
0.70 |
0.67 |
N/A |
N/A |
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Noninterest Inc. / Op. Exp. |
56.62 |
2.97 |
2.39 |
N/A |
N/A |
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Noninterest Inc. / Avg. Assets |
14.31 |
0.25 |
0.21 |
N/A |
N/A |
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Provision. / Avg. Assets |
10.56 |
0.42 |
0.33 |
N/A |
N/A |
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Effective Tax Rate |
13.86 |
0.00 |
3.83 |
N/A |
N/A |
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Productivity |
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Branches |
5 |
4 |
2 |
N/A |
N/A |
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Loans / Branch |
151 |
151 |
352 |
N/A |
N/A |
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Deposits / Branch |
698 |
379 |
826 |
N/A |
N/A |
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Growth Measures |
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Assets |
96.18 |
0.21 |
N/A |
N/A |
N/A |
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Gross Loans |
24.71 |
(14.21) |
N/A |
N/A |
N/A |
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Deposits |
130.33 |
(8.29) |
N/A |
N/A |
N/A |
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Equity |
2.70 |
19.63 |
N/A |
N/A |
N/A |
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Net Income |
(80.66) |
98.84 |
N/A |
N/A |
N/A |
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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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