Financial Statements

Financial Statements

  (Rs in Lacs )
No Particular Detail 2018-19 2019-20
1
Credit Risk Adequacy Ratio
Required as per rule Maintained By Bank
9%
25.62%
9%
26.54%
2
Investment
Book Value
Face Value
Market Value
6972.32
6881.00
7007.27
8685.99
8590.00
9066.08
3
Investment Fluctuation. Reserve
-
245.09
251.09
4
Investment Depreciation Reserve
 
232.58
232.58
5
Loans to Builder, Contractors
 
Nil
Nil
6
Loan Against Shares & Debentures
 
Nil
Nil
7
Loans to Directors against their Own Fixed Deposit Receipt of Bank
 
0.00
0.00
8
Housing Loans
 
751.14
662.90
9
Cost of Deposit
 
5.75%
5.96%
10
Non- Performing Assets(NPA)
% of Net NPA
Total Provision of NPA
NPA Provision required
NPA Excess Provision
0%
1202.50
226.16
976.44
0%
1262.41
173.49
1088.92
11
Gross and Net NPA
Gross NPA
Net NPA
% of Gross NPA to total Advances
% of Net NPA to total Advances
193.92
NIL
2.05%
NIL
180.03
NIL
1.96%
NIL
12
Movement of NPA
Opening Balanace
Addition during year
Less:Recovery during year
Closing Balance
207.75
12.55
26.38
193.92
199.68
1.24
20.89
180.03
13
Working Capital
 
20081.24
21953.43
14
Percentage of Interest Income to Working Capital
 
7.95%
7.40%
15
Percentage of Interest Income to Total Advance
 
9.50%
9.67%
16
Percentage of Operating Profit to Working Capital
 
1.71%
1.70%
17
Return on Total Assets
 
0.94%
0.89%
18
Workload Per Employee
(Advance. + Deposit)
 
578.10
638.13
19
Net Profit Per Employee
 
4.42
4.77
20
Provision on Standard Assets
 
80.00
80.00
21
Date of Payment for Deposit Insurance Premium
 
13.11.18
08.05.19
16.11.19
06.05.20
22
Percentage of Non-Interest to Total Income
 
1.62%
5.49%
23
Percentage of Non-Interest to Working Capital
 
0.13%
0.43%
24
Classification of Advances (Rs. Lacs)
Classification of Assets Advances Provision Required Provision Made
31-3-2019 31-3-2020 31-3-2019 31-3-2020 31-3-2019 31-3-2020
Standard
9244.34
9003.50
36.98
36.01
80.00
80.00
Substandard
9.53
6.00
9.42
5.42
9.42
5.42
Doubtful
30.77
21.27
26.14
15.32
26.14
15.32
Loss
153.62
152.76
153.62
152.76
153.62
152.76
Total
9438.26
9183.53
226.16
209.51
269.18
209.51
Excess Provision
1013.42
1052.90
Total
9438.26
9183.53
1282.60
1262.41
25
Provisions (Rs. Lacs)
Particular Provisions 31-03-2019 Provisions 31-03-2020
Opening Add/Ded Closing Opening Add/Ded Closing
Standard Assets
75.00
5.00
80.00
80.00
80.00
NPA Provision
1146.85
55.75
1202.60
1202.60
139.80
1342.40
Investment Depriciation
-
232.58
-
-
232.58
232.58

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