bank reports,,6

8/13/2019 Bank Reports,,6

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The Bank repots includeinformation on enterprises that are

majority controlled by the bank sothat he public will know the truefinancial condition of a bank at any

given time.


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Overvi

ew Assets Deposits Loans Profits Capital

Quarter

Total$(000

)

%Change

Total$(000

)

%Change

Total$(000

)

%Change

Non-performing

$(000)

NetCharge-offs

$(000)

LoanLoss

Reserve

$(000)

Income

BeforeExtraItems

$(000)

%Change

Dividends

$(000)

TotalEquity$(000)

%Change

Mar2004

126,012 -0.83

107,996 -2.45

67,701 7.37 135 -10 664 425 3.91 0

13,696 2.68

Dec2003

125,166 2.32

109,345 3.02

58,691

11.11 53 43 654 1,826 0.61 1,080

13,148 2.77

Sep2003 126,654 5.16 110,748 6.76 63,814 7.54 88 25 672 1,329 -1.56 360 13,319 2.14Jun

2003125,4

13 9.45109,0

9910.5

665,14

7 8.53 100 19 678 860 -2.49 36013,47

4 9.82Mar

2003127,0

6613.1

8110,7

1113.6

563,05

2 4.71 113 4 693 409 7.63 013,33

813.3

7

Dec2002

122,330

11.97

106,138

12.09

52,822 4.48 159 -5 697 1,815

20.68 1,011

12,793

11.77

Your City, Your StYour BYour Bank

Your City, Your StateExecutive SummaryB

ack

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5/49

Cumulative Gap % of Loans &

LeasesRepriceable

Within:

% of Debt

SecuritiesRepriceable

Within:

As a % of Total

Domestic Deposits

BankEngag

esin

Interest

RateHedgin

gof

Swaps

?

As a %of Total

Assets

3Months

$100,000 +CDs

Memo

Quar

ter

TotalAssets

$(000)

3Mon

ths

1Yea

r

1Yea

r

Over1

Yearthrou

gh5

Years

Over5

Years

1

Year

Over 1

Year

through

5Yea

rs

Over 5

Yea

rs

MMDA,

NOW&

Time(exclTimeCDs

>$100

K)

Repriceabl

eWithi

n1

Year

Repriceabl

eWithi

nOver

1

Year

Non-

interest-bearingDeposit

s

Mar2004

126,012

-11.4

9-

1.4449.6

4 36.62 13.73 36.4234.1

229.9

7 25.96 10.12 0.9722.3

5 No

Dec2003

125,166

-10.9

8-

9.2247.1

1 42.70 10.19 23.3639.5

537.4

5 26.89 10.24 0.7822.1

6 No

Asset / Liability Management:

Rate Sensitivity Your City, Your StYour BaYour Bank

Your City, Your StateBack

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The bank reports serve multiplepurposes. These are rendered tomeet with the requirements of the

supervisory and regulatoryagencies. Bank directors andofficers also needs statements as abasis for wise and judicious action.


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The Monetary Board may requite abank, quasi-bank, or trust entity toengage the services of an independentauditor to be chosen by the bank quasi-bank, or trust entity concerned from a

list of certified public accountantsacceptable to the Monetary Board.


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The Bangko Sentral shall have fullauthority to regulate the use of

electronic devices, such ascomputers, and processes ofrecording, storing and transmitting

information .


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Every bank, quasi bank, or trust entityshall submit to the appropriatesupervising and examining departmentof Bangko Sentral financial statementsin such form and frequency as may be

prescribed by the Bangko Sentral.


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Every bank, quasi-bank , or trust entity shall publish astatement of its financial condition, including those ofits subsidiaries and affiliates, in such termsunderstandable to the layman and in such frequency

as may be prescribed by the Bangko Sentral, in Englishor Filipino, at least on every quarter in a newspaper ofgeneral circulation in the city or province where theprincipal office, in the case of domestic institute on, orthe principal branch or office case of a foreign bank, islocated, but if no newspaper is published in the sameprovince then in a newspaper published in MetroManila or in the nearest city or province.


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A bank, quasi-bank, or trust entityincorporated under the laws of thePhilippines shall not publish the amount of

its authorized or subscribed capital stockwithout indicating at the same time withequal prominence, the amount of its capital

actually paid up.


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The accounts in such astatement would appear in

condensed or abbreviatedform.


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This statement is usually inmore detail form and is

prepared for the regulatory andsupervisory agencies.


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Some banks also render aprogress report which

contains the resume of its yearlyoperations.


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This account represents notesand coins held by the bank to

meet depositors withdrawalsand other normal cash needs.


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This accounts comprise of (a)exchanges for the ring? house,

(b) collection in transit, and (c)other cash items.


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This represents deposits carriedwith other banks. They are usually

in the form of demand deposits.


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This consists of deposits or

funds held abroad mainly tofill foreign exchange needs.


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This account is a major item on thebanks asset aside. It consists of all

promissory notes and bills ofexchange held by the bankevidencing the existence of a debt

or securing a debt.


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This is another major item

which will serve to buffer anyprobable loss of the depositor.


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This will represent the stocks

and bond or short-terminvestment not fully guaranteed

by the Philippines Government.


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This item represents theMonetary value of theproperties owned by the bank to

carry on its functions.


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This account arises out of the fact

that banks foreclose real estatemortgages and carry the monetaryvalue of the asset in their books

until the real estate is disposed of.


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The use of letters of credit infinancing foreign anddomestic trade has becomequite popular this days.


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This is similar to the customers

liability under letters of creditexcept that the banks obligation inthis regard is of a greatermagnitude.


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When a bank grants loans withinterest collected at maturity, thebank in effect has future earnings

which as yet have not been

collected.


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This item serves to round-up any

or all other assets not otherwisedescribed in detail.


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THREE MAINCLASSIFICATIONS,

NAMELY

THE LIABILITIES, THE

RESERVE ACCOUNTS,

AND THESTOCKHOLDERS

EQUITY


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1. Demand deposits

2. Time deposits

3. Government deposits

4. Cashiers check

outstanding

5. Certified checksoutstanding

6. Due to banks


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7. Letters of credit

outstanding8. Acceptance

outstanding9. Bills payable

10. Rediscounted notes11. Discounts collected

but not yet earned


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1. Reserve for accrued taxes

2. Reserve for accrued interest

3. Reserve for accrued expenses

4. Reserve for depreciation on

bank properties5. Reserve for depreciation on

securities

6. Reserve for contingencies


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1.Capital stock2.Surplus

3.Undivided

profits


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bank reports,,6

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