| Balance Sheet |
| |
1Q
2010 |
% Change
(2Q-1Q) |
2Q
2010 |
% Change
(2Q-2Q) |
2Q
2009 |
|
Assets |
427,132 |
(5.53) |
403,521 |
(2.49) |
413,833 |
|
Loans |
277,581 |
(1.44) |
273,578 |
(1.93) |
278,975 |
| - NPL |
24,767 |
2.81 |
25,464 |
(1.29) |
25,797 |
|
Deposits |
308,330 |
(7.84) |
284,144 |
(15.01) |
334,321 |
| Equity |
43,629 |
2.77 |
44,839 |
11.38 |
40,257 |
| Paid-up share capital |
21,128 |
- |
21,128 |
- |
21,128 |
| Shares Outstanding |
2,113 |
- |
2,113 |
- |
2,113 |
| Income Statement |
| |
1Q
2010 |
% Change
(2Q-1Q) |
2Q
2010 |
% Change
(2Q-2Q) |
2Q
2009 |
|
Interest Income |
4,285 |
(1.31) |
4,229 |
(6.42) |
4,519 |
| Interest Expense |
(1,105) |
0.54 |
(1,111) |
(13.88) |
(1,290) |
| Net Interest Income |
3,180 |
(1.95) |
3,118 |
(3.44) |
3,229 |
| Non- Interest Income |
905 |
27.07 |
1,150 |
(7.85) |
1,248 |
| Gross Income |
4,085 |
4.48 |
4,268 |
(4.67) |
4,477 |
| Operating Expenses |
(2,018) |
10.90 |
(2,238) |
(0.36) |
(2,246) |
| Pre-Provision Profit |
2,067 |
(1.79) |
2,030 |
(9.01) |
2,231 |
| Provision for Bad Debt |
(801) |
(53.18) |
(375) |
(63.91) |
(1,039) |
| Reversal (Loss) from Debt restructure |
2 |
(99.55) |
0.01 |
(99.78) |
4 |
| Tax |
(229) |
96.51 |
(450) |
57.34 |
(286) |
| Net Profit |
1,039 |
15.98 |
1,205 |
32.42 |
910 |
| Performance Ratios |
| |
2Q
2010 |
1Q
2010 |
2Q
2009 |
| EPS (Bt./Share) |
0.57 |
0.49 |
0.43 |
| ROE (%)* |
10.90 |
9.65 |
8.97 |
| ROA (%)* |
1.16 |
0.99 |
0.88 |
| Book Value (Bt./Share) |
21.22 |
20.65 |
19.05 |
| BIS ( % ) |
16.73 |
15.13 |
14.30 |
| - Tier 1 |
12.33 |
10.83 |
10.32 |
| - Tier 2 |
4.40 |
4.30 |
3.98 | |
Organization Chart
