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| 36
CONSOLIDATED STATEMENT OF INCOME AND EXPENSES |
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Rural and Cooperative Banking System |
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for the periods indicated |
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in billion pesos |
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| Selected Accounts |
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COOPERATIVE
BANKS |
|
1999 |
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2000 |
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|
1st |
2nd |
3rd |
4th |
|
1st |
2nd |
3rd |
4th |
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Quarter |
Quarter |
Quarter |
Quarter |
|
Quarter |
Quarter |
Quarter |
Quarter |
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OPERATING INCOME |
|
0.119 |
0.217 |
0.374 |
0.488 |
|
0.105 |
0.208 |
0.329 |
0.453 |
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Net Interest Income |
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0.060 |
0.096 |
0.163 |
0.215 |
|
0.046 |
0.084 |
0.138 |
0.195 |
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Interest Income |
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0.139 |
0.277 |
0.436 |
0.575 |
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0.138 |
0.266 |
0.416 |
0.567 |
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Less: Interest Expense |
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0.079 |
0.182 |
0.273 |
0.361 |
|
0.092 |
0.182 |
0.278 |
0.373 |
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Non-Interest Income |
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0.059 |
0.121 |
0.210 |
0.273 |
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0.059 |
0.123 |
0.191 |
0.258 |
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Fee-based Income |
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0.039 |
0.081 |
0.123 |
0.165 |
|
0.043 |
0.087 |
0.133 |
0.178 |
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Trading Income/(Loss) |
|
0.000 |
0.000 |
0.000 |
(0.000) |
|
0.000 |
0.000 |
0.000 |
0.002 |
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Trust Department Income |
|
0.000 |
0.000 |
0.000 |
0.000 |
|
0.000 |
0.000 |
0.000 |
0.000 |
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|
Other Income/(Loss) |
|
0.020 |
0.040 |
0.087 |
0.109 |
|
0.017 |
0.036 |
0.058 |
0.078 |
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OPERATING EXPENSES |
|
0.097 |
0.195 |
0.309 |
0.444 |
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0.098 |
0.201 |
0.302 |
0.439 |
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Bad Debts Written Off |
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0.000 |
0.001 |
0.002 |
0.001 |
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0.000 |
0.000 |
0.000 |
0.000 |
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Provisions for Probable Losses |
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0.002 |
0.005 |
0.005 |
0.009 |
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0.001 |
0.002 |
0.004 |
0.006 |
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Other Operating
Expenses |
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0.095 |
0.190 |
0.302 |
0.434 |
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0.097 |
0.199 |
0.298 |
0.432 |
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Overhead
Costs |
|
0.064 |
0.128 |
0.195 |
0.267 |
|
0.066 |
0.136 |
0.204 |
0.290 |
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Other
Expenses |
|
0.031 |
0.062 |
0.108 |
0.167 |
|
0.032 |
0.064 |
0.094 |
0.142 |
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NET OPERATING INCOME/(LOSS) |
|
0.022 |
0.021 |
0.064 |
0.044 |
|
0.007 |
0.006 |
0.026 |
0.014 |
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Extraordinary Credits/(Charges) |
EXTRAORDINARY CREDITS/(CHARGES) |
|
0.000 |
0.000 |
0.000 |
0.000 |
|
0.000 |
0.000 |
0.002 |
0.004 |
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NET INCOME/(LOSS) BEFORE TAX |
|
0.022 |
0.021 |
0.064 |
0.044 |
|
0.007 |
0.006 |
0.029 |
0.018 |
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Provision for Income Tax |
|
0.000 |
0.000 |
0.000 |
0.000 |
|
0.000 |
0.000 |
0.000 |
0.001 |
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NET INCOME/(LOSS) AFTER TAX |
|
0.022 |
0.021 |
0.064 |
0.044 |
|
0.007 |
0.006 |
0.028 |
0.017 |
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Return on Assets (%) |
|
(0.1) |
(0.9) |
0.3 |
1.0 |
|
0.6 |
0.6 |
0.2 |
0.4 |
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Return on Equity (%) |
|
(0.5) |
(7.1) |
2.8 |
8.5 |
|
5.8 |
6.0 |
1.5 |
3.1 |
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| Note:
Details may not add up to totals due to rounding-off |
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| Source :
Supervisory Reports & Studies Office, Supervision and Examination Sector |
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| Updated as of
12 March 2004 |
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