SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 6-K
Report of Foreign Private Issuer
Pursuant to Rule 13a-16 Or 15d-16 Of The
Securities Exchange Act of 1934
For the month of June, 2004
BANCO LATINOAMERICANO DE EXPORTACIONES, S.A.
(Exact name of Registrant as specified in its Charter)
LATIN AMERICAN EXPORT BANK
(Translation of Registrant's name into English)
Calle 50 y Aquilino de la Guardia
Apartado 6-1497
El Dorado, Panama City
Republic of Panama
(Address of Registrant's Principal Executive Offices)
(Indicate by check mark whether the registrant files or will file annual reports
under cover of Form 20-F or Form 40-F.)
Form 20-F _x_ Form 40-F ___
(Indicate by check mark whether the registrant by furnishing the information
contained in this Form is also thereby furnishing information to the Commission
pursuant to Rule 12g-3-2(b) under the Securities Exchange Act of 1934.)
Yes ___ No _x_
(If "Yes" is marked, indicate below the file number assigned to the registrant
in connection with Rule 12g3-2(b). 82__.)
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned, thereto duly authorized.
June 04, 2004
Banco Latinoamericano de Exportaciones, S.A.
By: /s/ Pedro Toll
Name: Pedro Toll
Title: Deputy Manager
May 26, 2004
BANCO LATINOAMERICANO DE EXPORTACIONES
[SEAL] BALANCE SHEETS* December 2003 and January to
April 2004
(In Balboas)**
2003
Description Absolute % December January February
----------- -------- ----- -------- ------- --------
LIQUID ASSETS -45,541,482.74 -23.87 190,799,943.18 192,064,648.30 234,316,239.13
Local Deposits in Banks -3,534.26 -2.28 154,867.09 148,473.17 172,395.85
Demand -3,534.26 -2.28 154,867.09 148,473.17 172,395.85
Foreign Deposits in Banks -45,522,288.77 -23.89 190,519,519.42 191,777,453.20 234,061,676.10
Demand 2,076,747.34 288.24 720,483.31 3,182,508.52 2,934,580.72
Time -47,599,036.11 -25.08 189,799,036.11 188,594,944.68 231,127,095.38
Others -15,659.71 -12.47 125,556.67 138,721.93 82,167.18
CREDIT PORTFOLIO -98,920,016.43 -5.70 1,735,136,671.38 1,729,608,465.58 1,677,488,314.06
Local -82,686,029.31 -39.15 211,227,524.30 167,786,374.36 177,192,240.23
Foreign -16,233,987.12 -1.07 1,523,909,147.08 1,561,822,091.22 1,500,296,073.83
INVESTMENT SECURITIES -1,727,163.41 -1.54 112,295,247.89 111,905,462.66 111,673,317.31
Foreign -1,727,163.41 -1.54 112,295,247.89 111,905,462.66 111,673,317.31
OTHER ASSETS 21,859,110.38 42.96 50,888,083.69 64,583,832.22 63,669,397.02
Local -1,250,706.54 -20.27 6,170,009.76 5,967,530.86 6,004,000.34
Foreign 23,109,816.92 51.68 44,718,073.93 58,616,301.36 57,665,396.68
TOTAL ASSETS -124,329,552.20 -5.95 2,089,119,946.14 2,098,162,408.76 2,087,147,267.52
DEPOSITS 24,420,217.55 4.75 514,414,316.03 518,360,985.90 521,737,597.31
Local -3,206,396.53 -7.36 43,587,485.58 45,390,804.32 42,062,496.54
From Banks -3,206,396.53 -7.36 43,587,485.58 45,390,804.32 42,062,496.54
Demand 3,816,396.78 83.04 4,595,824.32 6,094,329.66 6,101,933.23
Time -7,022,793.31 -18.01 38,991,661.26 39,296,474.66 35,960,563.31
Foreign 27,626,614.08 5.87 470,826,830.45 472,970,181.58 479,675,100.77
Customers -56,295,800.05 -39.08 144,069,723.19 99,357,945.44 87,518,635.29
Demand -1,621,938.32 -47.76 3,395,861.46 1,757,945.44 3,518,635.29
Time -54,673,861.73 -38.87 140,673,861.73 97,600,000.00 84,000,000.00
From Banks 83,922,414.13 25.68 326,757,107.26 373,612,236.14 392,156,465.48
Demand -1,004,166.39 -9.05 11,100,547.00 14,459,263.26 10,376,666.71
Time 84,926,580.52 26.90 315,656,560.26 359,152,972.88 381,779,798.77
BORROWINGS -185,841,088.76 -18.20 1,020,959,382.93 1,004,876,078.51 981,368,587.28
Local 29,700.20 0.14 21,603,810.80 21,603,810.80 21,603,810.80
Foreign -185,870,788.96 -18.60 999,355,572.13 983,272,267.71 959,764,776.48
OTHER LIABILITIES 8,699,945.26 9.00 96,619,215.59 107,357,098.15 109,077,967.55
Local -3,841,458.55 -12.66 30,347,173.08 31,567,311.00 35,806,705.76
Foreign 12,541,403.81 18.92 66,272,042.51 75,789,787.15 73,271,261.79
STOCKHOLDERS'EQUITY 28,391,373.75 6.21 457,127,031.59 467,568,246.20 474,963,115.38
Capital -6.37 -0.00 328,225,212.57 328,225,212.57 328,225,212.57
Capital Reserves 0.00 0.00 16,609,728.78 16,609,728.78 16,609,728.78
Retained Earnings 97,816,091.12 14,720.27 664,499.09 102,415,864.02 102,415,864.02
Net Income -69,707,057.01 -68.51 101,751,364.93 10,593,177.01 17,792,214.06
Gain or Loss in Securities available
for sale 282,346.01 2.86 9,876,226.22 9,724,263.82 9,920,095.95
LIABILITIES AND STOCKHOLDER'S EQUITY -124,329,552.20 -5.95 2,089,119,946.14 2,098,162,408.76 2,087,147,267.52
2004
Description March April May June July
----------- ----- ----- --- ---- ----
LIQUID ASSETS 132,229,195.34 145,258,460.44
Local Deposits in Banks 148,973.07 151,332.83
Demand 148,973.07 151,332.83
Foreign Deposits in Banks 131,933,367.96 144,997,230.65
Demand 2,833,367.96 2,797,230.65
Time 129,100,000.00 142,200,000.00
Others 146,854.31 109,896.96
CREDIT PORTFOLIO 1,645,045,191.99 1,636,216,654.95
Local 135,583,600.56 128,541,494.99
Foreign 1,509,461,591.43 1,507,675,159.96
INVESTMENT SECURITIES 112,447,442.98 110,568,084.48
Foreign 112,447,442.98 110,568,084.48
OTHER ASSETS 61,241,400.29 72,747,194.07
Local 5,069,422.26 4,919,303.22
Foreign 56,171,978.03 67,827,890.85
TOTAL ASSETS 1,950,963,230.60 1,964,790,393.94
DEPOSITS 535,697,217.51 538,834,533.58
Local 36,870,785.38 40,381,089.05
From Banks 36,870,785.38 40,381,089.05
Demand 5,906,842.96 8,412,221.10
Time 30,963,942.42 31,968,867.95
Foreign 498,826,432.13 498,453,444.53
Customers 108,117,642.12 87,773,923.14
Demand 5,117,642.12 1,773,923.14
Time 103,000,000.00 86,000,000.00
From Banks 390,708,790.01 410,679,521.39
Demand 9,899,421.12 10,096,380.61
Time 380,809,368.89 400,583,140.78
BORROWINGS 831,663,808.85 835,118,294.17
Local 21,633,511.00 21,633,511.00
Foreign 810,030,297.85 813,484,783.17
OTHER LIABILITIES 100,999,864.50 105,319,160.85
Local 26,668,458.77 26,505,714.53
Foreign 74,331,405.73 78,813,446.32
STOCKHOLDERS'EQUITY 482,602,339.74 485,518,405.34
Capital 328,225,212.57 328,225,206.20
Capital Reserves 16,609,728.78 16,609,728.78
Retained Earnings 98,480,590.21 98,480,590.21
Net Income 28,353,232.45 32,044,307.92
Gain or Loss in Securities available
for sale 10,933,575.73 10,158,572.23
LIABILITIES AND STOCKHOLDER'S EQUITY 1,950,963,230.60 1,964,790,393.94
Description August September October November December
----------- ------ --------- ------- -------- --------
LIQUID ASSETS
Local Deposits in Banks
Demand
Foreign Deposits in Banks
Demand
Time
Others
CREDIT PORTFOLIO
Local
Foreign
INVESTMENT SECURITIES
Foreign
OTHER ASSETS
Local
Foreign
TOTAL ASSETS
DEPOSITS
Local
From Banks
Demand
Time
Foreign
Customers
Demand
Time
From Banks
Demand
Time
BORROWINGS
Local
Foreign
OTHER LIABILITIES
Local
Foreign
STOCKHOLDERS'EQUITY
Capital
Capital Reserves
Retained Earnings
Net Income
Gain or Loss in Securities available
for sale
LIABILITIES AND STOCKHOLDER'S EQUITY
* Includes only Panama - New York accounts.
** Monetary unit at par and equivalent with US$ dollars.
This is a free translation from Spanish original version, taken from the monthly
publication of the Republica de Panama Superintendencia de Bancos (website:
http://www.superbancos.gob.pa).
May 26, 2004
STATEMENTS OF INCOME *
[SEAL] BANCO LATINOAMERICANO DE EXPORTACIONES, S.A.
January to April 2004
(In Balboas)**
I
Description January February March Quarter April
----------- ------- -------- ----- ------- -----
Interest Income 6,554,346.26 4,920,235.16 5,734,864.07 17,209,445.49 6,380,969.21
Loans 5,806,089.31 4,357,928.60 5,135,119.62 15,299,137.53 5,863,136.60
Deposits 134,326.48 151,395.63 195,196.95 480,919.06 117,950.90
Investments 613,930.47 410,910.93 404,547.50 1,429,388.90 399,881.71
Interest Expense 2,503,583.65 2,302,555.27 2,483,510.96 7,289,649.88 1,968,282.79
Interest 2,463,551.58 2,289,995.94 2,487,621.71 7,241,169.23 1,967,086.81
Commissions 40,032.07 12,559.33 -4,110.75 48,480.65 1,195.98
Net Interest Income 4,050,762.61 2,617,679.89 3,251,353.11 9,919,795.61 4,412,686.42
Other Income 574,025.74 440,603.31 840,675.99 1,855,305.04 1,113,133.33
Commissions 548,963.99 665,864.96 509,460.70 1,724,289.65 448,767.69
Foreign currency operations -4,122.82 3,312.45 -188.10 -998.47 -5,276.39
Other Income 29,184.57 -228,574.10 331,403.39 132,013.86 669,642.03
Operating Income 4,624,788.35 3,058,283.20 4,092,029.10 11,775,100.65 5,525,819.75
Operating Expenses 1,845,294.21 -262,208.98 75,177.76 1,658,262.99 1,834,744.28
Administrative expenses 1,019,194.48 989,036.77 1,142,090.66 3,150,321.91 1,081,277.48
General expenses 149,318.22 313,300.33 258,581.00 721,199.55 461,578.86
Depreciation 119,749.86 113,223.73 121,469.30 354,442.89 114,761.87
Other expenses 557,031.65 -1,677,769.81 -1,446,963.20 -2,567,701.36 177,126.07
Net Income before provision for
loan losses 2,779,494.14 3,320,492.18 4,016,851.34 10,116,837.66 3,691,075.47
Provision for loan losses -7,813,682.87 -3,878,544.87 -6,544,167.05 -18,236,394.79 0.00
Net Income 10,593,177.01 7,199,037.05 10,561,018.39 28,353,232.45 3,691,075.47
II
Description May June Quarter July August September
----------- --- ---- ------- ---- ------ ---------
Interest Income 6,380,969.21
Loans 5,863,136.60
Deposits 117,950.90
Investments 399,881.71
Interest Expense 1,968,282.79
Interest 1,967,086.81
Commissions 1,195.98
Net Interest Income 4,412,686.42
Other Income 1,113,133.33
Commissions 448,767.69
Foreign currency operations -5,276.39
Other Income 669,642.03
Operating Income 5,525,819.75
Operating Expenses 1,834,744.28
Administrative expenses 1,081,277.48
General expenses 461,578.86
Depreciation 114,761.87
Other expenses 177,126.07
Net Income before provision for
loan losses 3,691,075.47
Provision for loan losses 0.00
Net Income 3,691,075.47
III IV
Description Quarter October November December Quarter Year to date
----------- ------- ------- -------- -------- ------- ------------
Interest Income 0.00 0.00 23,590,414.70
Loans 0.00 0.00 21,162,274.13
Deposits 0.00 0.00 598,869.96
Investments 0.00 0.00 1,829,270.61
Interest Expense 0.00 0.00 9,257,932.67
Interest 0.00 0.00 9,208,256.04
Commissions 0.00 0.00 49,676.63
Net Interest Income 0.00 0.00 14,332,482.03
Other Income 0.00 0.00 2,968,438.37
Commissions 0.00 0.00 2,173,057.34
Foreign currency operations 0.00 0.00 -6,274.86
Other Income 0.00 0.00 801,655.89
Operating Income 0.00 0.00 17,300,920.40
Operating Expenses 0.00 0.00 3,493,007.27
Administrative expenses 0.00 0.00 4,231,599.39
General expenses 0.00 0.00 1,182,778.41
Depreciation 0.00 0.00 469,204.76
Other expenses 0.00 0.00 -2,390,575.29
Net Income before provision for
loan losses 0.00 0.00 13,807,913.13
Provision for loan losses 0.00 0.00 -18,236,394.79
Net Income 0.00 0.00 32,044,307.92
* Includes only Panama - New York accounts.
** Monetary unit at par and equivalent with US$ dollars.
This is a free translation from Spanish original version, taken from the monthly
publication of the Republica de Panama Superintendencia de Bancos (website:
http://www.superbancos.gob.pa).
26 de mayo de 2004
BANCO LATINOAMERICANO DE EXPORTACIONES
[SEAL] BALANCE DE SITUACION DE DICIEMBRE 2003 Y ENERO - ABRIL 2004
(En Balboas)
2003
Descripcion Absoluta % Diciembre Enero Febrero
----------- -------- - --------- ----- -------
ACTIVOS LIQUIDOS -45,541,482.74 -23.87 190,799,943.18 192,064,648.30 234,316,239.13
Depositos Locales en Bancos -3,534.26 -2.28 154,867.09 148,473.17 172,395.85
A la Vista -3,534.26 -2.28 154,867.09 148,473.17 172,395.85
Depositos Extranjeros en Bancos -45,522,288.77 -23.89 190,519,519.42 191,777,453.20 234,061,676.10
A la Vista 2,076,747.34 288.24 720,483.31 3,182,508.52 2,934,580.72
A Plazo -47,599,036.11 -25.08 189,799,036.11 188,594,944.68 231,127,095.38
Otros -15,659.71 -12.47 125,556.67 138,721.93 82,167.18
CARTERA CREDITICIA -98,920,016.43 -5.70 1,735,136,671.38 1,729,608,465.58 1,677,488,314.06
Locales -82,686,029.31 -39.15 211,227,524.30 167,786,374.36 177,192,240.23
Extranjero -16,233,987.12 -1.07 1,523,909,147.08 1,561,822,091.22 1,500,296,073.83
INVERSIONES EN VALORES -1,727,163.41 -1.54 112,295,247.89 111,905,462.66 111,673,317.31
Extranjero -1,727,163.41 -1.54 112,295,247.89 111,905,462.66 111,673,317.31
OTROS ACTIVOS 21,859,110.38 42.96 50,888,083.69 64,583,832.22 63,669,397.02
Locales -1,250,706.54 -20.27 6,170,009.76 5,967,530.86 6,004,000.34
Extranjero 23,109,816.92 51.68 44,718,073.93 58,616,301.36 57,665,396.68
TOTAL DE ACTIVOS -124,329,552.20 -5.95 2,089,119,946.14 2,098,162,408.76 2,087,147,267.52
DEPOSITOS 24,420,217.55 4.75 514,414,316.03 518,360,985.90 521,737,597.31
Locales -3,206,396.53 -7.36 43,587,485.58 45,390,804.32 42,062,496.54
De Bancos -3,206,396.53 -7.36 43,587,485.58 45,390,804.32 42,062,496.54
A la Vista 3,816,396.78 83.04 4,595,824.32 6,094,329.66 6,101,933.23
A Plazo -7,022,793.31 -18.01 38,991,661.26 39,296,474.66 35,960,563.31
Extranjero 27,626,614.08 5.87 470,826,830.45 472,970,181.58 479,675,100.77
De Particulares -56,295,800.05 -39.08 144,069,723.19 99,357,945.44 87,518,635.29
A la Vista -1,621,938.32 -47.76 3,395,861.46 1,757,945.44 3,518,635.29
A Plazo -54,673,861.73 -38.87 140,673,861.73 97,600,000.00 84,000,000.00
De Bancos 83,922,414.13 25.68 326,757,107.26 373,612,236.14 392,156,465.48
A la Vista -1,004,166.39 -9.05 11,100,547.00 14,459,263.26 10,376,666.71
A Plazo 84,926,580.52 26.90 315,656,560.26 359,152,972.88 381,779,798.77
OBLIGACIONES -185,841,088.76 -18.20 1,020,959,382.93 1,004,876,078.51 981,368,587.28
Locales 29,700.20 0.14 21,603,810.80 21,603,810.80 21,603,810.80
Extranjero -185,870,788.96 -18.60 999,355,572.13 983,272,267.71 959,764,776.48
OTROS PASIVOS 8,699,945.26 9.00 96,619,215.59 107,357,098.15 109,077,967.55
Locales -3,841,458.55 -12.66 30,347,173.08 31,567,311.00 35,806,705.76
Extranjero 12,541,403.81 18.92 66,272,042.51 75,789,787.15 73,271,261.79
PATRIMONIO 28,391,373.75 6.21 457,127,031.59 467,568,246.20 474,963,115.38
Capital -6.37 -0.00 328,225,212.57 328,225,212.57 328,225,212.57
Reservas de Capital 0.00 0.00 16,609,728.78 16,609,728.78 16,609,728.78
Utilidad de Periodos Anteriores 97,816,091.12 14,720.27 664,499.09 102,415,864.02 102,415,864.02
Utilidad de Periodo -69,707,057.01 -68.51 101,751,364.93 10,593,177.01 17,792,214.06
Ganancia o Perdida en Valores
Disponible para la venta 282,346.01 2.86 9,876,226.22 9,724,263.82 9,920,095.95
PASIVO Y PATRIMONIO -124,329,552.20 -5.95 2,089,119,946.14 2,098,162,408.76 2,087,147,267.52
2004
Descripcion Marzo Abril Mayo Junio Julio
----------- ----- ----- ---- ----- -----
ACTIVOS LIQUIDOS 132,229,195.34 145,258,460.44
Depositos Locales en Bancos 148,973.07 151,332.83
A la Vista 148,973.07 151,332.83
Depositos Extranjeros en Bancos 131,933,367.96 144,997,230.65
A la Vista 2,833,367.96 2,797,230.65
A Plazo 129,100,000.00 142,200,000.00
Otros 146,854.31 109,896.96
CARTERA CREDITICIA 1,645,045,191.99 1,636,216,654.95
Locales 135,583,600.56 128,541,494.99
Extranjero 1,509,461,591.43 1,507,675,159.96
INVERSIONES EN VALORES 112,447,442.98 110,568,084.48
Extranjero 112,447,442.98 110,568,084.48
OTROS ACTIVOS 61,241,400.29 72,747,194.07
Locales 5,069,422.26 4,919,303.22
Extranjero 56,171,978.03 67,827,890.85
TOTAL DE ACTIVOS 1,950,963,230.60 1,964,790,393.94
DEPOSITOS 535,697,217.51 538,834,533.58
Locales 36,870,785.38 40,381,089.05
De Bancos 36,870,785.38 40,381,089.05
A la Vista 5,906,842.96 8,412,221.10
A Plazo 30,963,942.42 31,968,867.95
Extranjero 498,826,432.13 498,453,444.53
De Particulares 108,117,642.12 87,773,923.14
A la Vista 5,117,642.12 1,773,923.14
A Plazo 103,000,000.00 86,000,000.00
De Bancos 390,708,790.01 410,679,521.39
A la Vista 9,899,421.12 10,096,380.61
A Plazo 380,809,368.89 400,583,140.78
OBLIGACIONES 831,663,808.85 835,118,294.17
Locales 21,633,511.00 21,633,511.00
Extranjero 810,030,297.85 813,484,783.17
OTROS PASIVOS 100,999,864.50 105,319,160.85
Locales 26,668,458.77 26,505,714.53
Extranjero 74,331,405.73 78,813,446.32
PATRIMONIO 482,602,339.74 485,518,405.34
Capital 328,225,212.57 328,225,206.20
Reservas de Capital 16,609,728.78 16,609,728.78
Utilidad de Periodos Anteriores 98,480,590.21 98,480,590.21
Utilidad de Periodo 28,353,232.45 32,044,307.92
Ganancia o Perdida en Valores
Disponible para la venta 10,933,575.73 10,158,572.23
PASIVO Y PATRIMONIO 1,950,963,230.60 1,964,790,393.94
Descripcion Agosto Septiembre Octubre Noviembre Diciembre
----------- ------ ---------- ------- --------- ---------
ACTIVOS LIQUIDOS
Depositos Locales en Bancos
A la Vista
Depositos Extranjeros en Bancos
A la Vista
A Plazo
Otros
CARTERA CREDITICIA
Locales
Extranjero
INVERSIONES EN VALORES
Extranjero
OTROS ACTIVOS
Locales
Extranjero
TOTAL DE ACTIVOS
DEPOSITOS
Locales
De Bancos
A la Vista
A Plazo
Extranjero
De Particulares
A la Vista
A Plazo
De Bancos
A la Vista
A Plazo
OBLIGACIONES
Locales
Extranjero
OTROS PASIVOS
Locales
Extranjero
PATRIMONIO
Capital
Reservas de Capital
Utilidad de Periodos Anteriores
Utilidad de Periodo
Ganancia o Perdida en Valores
Disponible para la venta
PASIVO Y PATRIMONIO
26 de mayo de 2004
ESTADO DE RESULTADO
[SEAL] BANCO LATINOAMERICANO DE EXPORTACIONES, S.A.
ENERO - ABRIL 2004
(En Balboas)
Descripcion Enero Febrero Marzo Trimestre I Abril Mayo
----------- ----- ------- ----- ----------- ----- ----
Ingresos Por Intereses 6,554,346.26 4,920,235.16 5,734,864.07 17,209,445.49 6,380,969.21
Prestamos 5,806,089.31 4,357,928.60 5,135,119.62 15,299,137.53 5,863,136.60
Depositos 134,326.48 151,395.63 195,196.95 480,919.06 117,950.90
Inversiones 613,930.47 410,910.93 404,547.50 1,429,388.90 399,881.71
Egresos de Operaciones 2,503,583.65 2,302,555.27 2,483,510.96 7,289,649.88 1,968,282.79
Intereses Pagados 2,463,551.58 2,289,995.94 2,487,621.71 7,241,169.23 1,967,086.81
Comisiones 40,032.07 12,559.33 -4,110.75 48,480.65 1,195.98
Ingreso Neto de Intereses 4,050,762.61 2,617,679.89 3,251,353.11 9,919,795.61 4,412,686.42
Otros Ingresos 574,025.74 440,603.31 840,675.99 1,855,305.04 1,113,133.33
Comisiones 548,963.99 665,864.96 509,460.70 1,724,289.65 448,767.69
Operaciones con Divisas -4,122.82 3,312.45 -188.10 -998.47 -5,276.39
Otros ingresos 29,184.57 -228,574.10 331,403.39 132,013.86 669,642.03
Ingresos de Operaciones 4,624,788.35 3,058,283.20 4,092,029.10 11,775,100.65 5,525,819.75
Egresos Generales 1,845,294.21 -262,208.98 75,177.76 1,658,262.99 1,834,744.28
Gastos Administrativos 1,019,194.48 989,036.77 1,142,090.66 3,150,321.91 1,081,277.48
Gastos Generales 149,318.22 313,300.33 258,581.00 721,199.55 461,578.86
Gastos de Depreciacion 119,749.86 113,223.73 121,469.30 354,442.89 114,761.87
Otros Gastos 557,031.65 -1,677,769.81 -1,446,963.20 -2,567,701.36 177,126.07
Utilidad antes de Provisiones 2,779,494.14 3,320,492.18 4,016,851.34 10,116,837.66 3,691,075.47
Provisiones por Cuentas Malas -7,813,682.87 -3,878,544.87 -6,544,167.05 -18,236,394.79 0.00
Utilidad del Periodo 10,593,177.01 7,199,037.05 10,561,018.39 28,353,232.45 3,691,075.47
Descripcion Junio Trimestre II Julio Agosto Septiembre Trimestre III
----------- ----- ------------ ----- ------ ---------- -------------
Ingresos Por Intereses 6,380,969.21 0.00
Prestamos 5,863,136.60 0.00
Depositos 117,950.90 0.00
Inversiones 399,881.71 0.00
Egresos de Operaciones 1,968,282.79 0.00
Intereses Pagados 1,967,086.81 0.00
Comisiones 1,195.98 0.00
Ingreso Neto de Intereses 4,412,686.42 0.00
Otros Ingresos 1,113,133.33 0.00
Comisiones 448,767.69 0.00
Operaciones con Divisas -5,276.39 0.00
Otros ingresos 669,642.03 0.00
Ingresos de Operaciones 5,525,819.75 0.00
Egresos Generales 1,834,744.28 0.00
Gastos Administrativos 1,081,277.48 0.00
Gastos Generales 461,578.86 0.00
Gastos de Depreciacion 114,761.87 0.00
Otros Gastos 177,126.07 0.00
Utilidad antes de Provisiones 3,691,075.47 0.00
Provisiones por Cuentas Malas 0.00 0.00
Utilidad del Periodo 3,691,075.47 0.00
Descripcion Octubre Noviembre Diciembre Trimestre IV Acumulado Anual
----------- ------- --------- --------- ------------ ---------------
Ingresos Por Intereses 0.00 23,590,414.70
Prestamos 0.00 21,162,274.13
Depositos 0.00 598,869.96
Inversiones 0.00 1,829,270.61
Egresos de Operaciones 0.00 9,257,932.67
Intereses Pagados 0.00 9,208,256.04
Comisiones 0.00 49,676.63
Ingreso Neto de Intereses 0.00 14,332,482.03
Otros Ingresos 0.00 2,968,438.37
Comisiones 0.00 2,173,057.34
Operaciones con Divisas 0.00 -6,274.86
Otros ingresos 0.00 801,655.89
Ingresos de Operaciones 0.00 17,300,920.40
Egresos Generales 0.00 3,493,007.27
Gastos Administrativos 0.00 4,231,599.39
Gastos Generales 0.00 1,182,778.41
Gastos de Depreciacion 0.00 469,204.76
Otros Gastos 0.00 -2,390,575.29
Utilidad antes de Provisiones 0.00 13,807,913.13
Provisiones por Cuentas Malas 0.00 -18,236,394.79
Utilidad del Periodo 0.00 32,044,307.92