Financial Statements

Financial Statements

  (Rs in Lacs )
No Particular Detail 2019-20 2020-21
1
Credit Risk Adequacy Ratio
Required as per rule Maintained By Bank
9%
26.54%
9%
28.06%
2
Investment
Book Value
Face Value
Market Value
8685.99
8590.00
9066.08
10128.58
10045.00
10439.90
3
Investment Fluctuation. Reserve
-
251.09
315.09
4
Investment Depreciation Reserve
 
232.58
262.58
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
 
662.90
759.28
9
Cost of Deposit
 
5.96%
5.16%
10
Non- Performing Assets(NPA)
% of Net NPA
Total Provision of NPA
NPA Provision required
NPA Excess Provision
0%
1262.41
173.49
1088.92
0%
1338.96
172.44
1166.52
11
Gross and Net NPA
Gross NPA
Net NPA
% of Gross NPA to total Advances
% of Net NPA to total Advances
180.03
NIL
1.96%
NIL
185.17
NIL
2.00%
NIL
12
Movement of NPA
Opening Balanace
Addition during year
Less:Recovery during year
Closing Balance
193.92
6.39
20.27
180.03
180.03
13.71
8.57
185.17
13
Working Capital
 
21953.43
23000.22
14
Percentage of Interest Income to Working Capital
 
7.40%
7.40%
15
Percentage of Interest Income to Total Advance
 
9.67%
9.00%
16
Percentage of Operating Profit to Working Capital
 
1.70%
2.14%
17
Return on Total Assets
 
0.89%
1.00%
18
Workload Per Employee
(Advance. + Deposit)
 
638.13
752.34
19
Net Profit Per Employee
 
4.77
6.39
20
Provision on Standard Assets
 
80.00
100.00
21
Date of Payment for Deposit Insurance Premium
 
16.11.19
06.05.20
7.11.20
10.05.21
22
Percentage of Non-Interest to Total Income
 
5.49%
7.37%
23
Percentage of Non-Interest to Working Capital
 
0.43%
0.59%
24
Classification of Advances (Rs. Lacs)
Classification of Assets Advances Provision Required Provision Made
31-3-2020 31-3-2021 31-3-2020 31-3-2021 31-3-2020 31-3-2021
Standard
9003.50
9071.77
39.21
39.74
80.00
100.00
Substandard
6.00
9.50
5.42
2.33
5.42
2.33
Doubtful
21.27
25.09
15.32
19.53
15.32
19.53
Loss
152.76
150.58
152.76
150.58
152.76
150.58
Total
9183.53
9256.94
212.71
212.18
253.50
272.44
Excess Provision
1052.90
1166.52
Total
9183.53
9256.94
212.71
212.18
1262.41
1438.96
25
Provisions (Rs. Lacs)
Particular Provisions 31-03-2020 Provisions 31-03-2021
Opening Add/Ded Closing Opening Add/Ded Closing
Standard Assets
80.00
80.00
80.00
20.00
100.00
NPA Provision
1202.60
59.81
1262.41
1262.41
76.55
1338.96
Investment Depriciation
232.58
0
232.58
232.58
30.00
262.58

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