Informe Bancsd'a 04.FH10
ANNUAL REPORT 2004 BancSabadell dAndorra ANNUAL REPORT 2004 INFORME ANUAL BancSabadell dAndorra ANNUAL REPORT 2004 Auditors Report page 51 Consolidated Financial 52 Statements Board of Directors and 82 Management Team Addresses of BancSabadell dAndorra 83 50 AUDITORS REPORT 51 BANCSABADELL DANDORRA, S.A. AND COMPANIES COMPOSING THE BANCSABADELL DANDORRA GROUP Consolidated Balance Sheets as of December 31, 2004 and 2003 (Thousands of euros) ASSETS 2004 2003 Cash and due from OECD banks 6,796 6,923 Due from INAF (Note 4) 6,220 6,220 Demand balances due from financial intermediaries (Note 5) 2,618 2,017 Loans (Note 6) 316,556 307,051 Due from banks 141,339 171,190 Customer loans and credits 170,283 129,081 Customer overdrafts 2,441 2,582 Bill portfolio 4,010 5,637 Allowance for loan losses (1,517) (1,439) Investment securities (Note 7) 42,606 30,006 Debentures and other fixed-income securities 42,140 30,091 Allowance for loan losses (205) (146) Securities fluctuation allowance - - Shares and other equity securities 88 88 Securities fluctuation allowance (27) (27) Shareholding in Group companies consolidated by equity accounting 610 - Intangible assets and deferred charges (Note 8) 1,261 1,884 Intangible assets and deferred charges 4,859 4,556 Accumulated amortization (3,598) (2,672) Premises and equipment (Note 9) 12,030 12,010 Premises and equipment 14,801 14,097 Accumulated depreciation (2,771) (2,087) Accrual accounts 2,358 1,809 Uncollected accrued interest 2,266 1,778 Prepaid expenses 92 31 Other assets (Note 18) 4,123 2,234 Current transactions 2,740 1,126 Options acquired 211 90 Other 1,172 1,018 TOTAL ASSETS 394,568 370,154 The accompanying Notes 1 to 23 form an integral part of the Consolidated Financial Statements.
[Show full text]