Financial Statements

Financial Statements

  (Rs in Lacs )
No Particular Detail 2020-21 2021-22
1
Credit Risk Adequacy Ratio
Required as per rule Maintained By Bank
9%
28.06%
9%
32.50%
2
Investment
Book Value
Face Value
Market Value
10128.58
10045.00
10439.90
11056.97
10995.00
11031.34
3
Investment Fluctuation. Reserve
-
315.09
405.09
4
Investment Depreciation Reserve
 
262.58
163.02
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
 
759.28
777.13
9
Cost of Deposit
 
5.16%
4.46%
10
Non- Performing Assets(NPA)
% of Net NPA
Total Provision of NPA
NPA Provision required
NPA Excess Provision
0%
1338.96
172.44
1166.52
0%
1431.33
150.53
1280.80
11
Gross and Net NPA
Gross NPA
Net NPA
% of Gross NPA to total Advances
% of Net NPA to total Advances
185.17
NIL
2.00%
NIL
167.60
NIL
1.83%
NIL
12
Movement of NPA
Opening Balanace
Addition during year
Less:Recovery during year
Closing Balance
180.03
13.71
8.57
185.17
185.17
17.23
34.80
167.60
13
Working Capital
 
23000.22
23264.44
14
Percentage of Interest Income to Working Capital
 
7.40%
7.35%
15
Percentage of Interest Income to Total Advance
 
9.00%
9.41%
16
Percentage of Operating Profit to Working Capital
 
2.14%
3.95%
17
Return on Total Assets
 
1.00%
1.51%
18
Workload Per Employee
(Advance. + Deposit)
 
752.34
745.64
19
Net Profit Per Employee
 
6.39
9.49
20
Provision on Standard Assets
 
100.00
120.00
21
Date of Payment for Deposit Insurance Premium
 
7.11.20
10.05.21
9.11.21
6.05.22
22
Percentage of Non-Interest to Total Income
 
7.37%
19.43%
23
Percentage of Non-Interest to Working Capital
 
0.59%
1.77%
24
Classification of Advances (Rs. Lacs)
Classification of Assets Advances Provision Required Provision Made
31-3-2021 31-3-2022 31-3-2021 31-3-2022 31-3-2021 31-3-2022
Standard
9071.77
8972.62
39.74
35.89
100.00
120.00
Substandard
9.50
13.36
2.33
7.67
2.33
1431.33
Doubtful
25.09
36.16
19.53
24.78
19.53
Loss
150.58
118.08
150.58
118.08
150.58
Total
9256.94
9140.22
212.18
186.42
272.44
186.42
Excess Provision
1166.52
1364.91
Total
9256.94
9140.22
212.18
186.42
1438.96
1551.33
25
Provisions (Rs. Lacs)
Particular Provisions 31-03-2021 Provisions 31-03-2022
Opening Add/Ded Closing Opening Add/Ded Closing
Standard Assets
80.00
20.00
100.00
100.00
20.00
Addition during year
NPA Provision
1262.41
76.55
1338.96
1338.96
92.37
1431.33
Investment Depriciation
232.58
30.00
262.58
262.58
-99.56
163.02

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