| VARIABLES | 2002-2004 | 2005-2007 |
| ROA-MC | −0.10 | 0.15 |
| ROE-MC | −0.06 | 0.15 |
| Total Assets-MC | 0.26 | 0.28 |
| Total Equity-MC | 0.32 | 0.26 |
| Total Debt-MC | 0.27 | 0.69 |