Financial Statement

Financial Statements

No Particular Detail 2021-22 2022-23
1
Credit Risk Adequacy Ratio
Required as per rule Maintained By Bank
9%
32.50%
9%
34.28%
2
Investment
Book Value
Face Value
Market Value
11056.97
10995.00
11031.34
10486.05
10445.00
10189.80
3
Investment Fluctuation. Reserve
405.09
492.76
4
Investment Depreciation Reserve
163.02
313.02
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
777.13
1075.08
9
Cost of Deposit
4.58%
4.41%
10
Non- Performing Assets(NPA)
% of Net NPA
Total Provision of NPA
NPA Provision required
NPA Excess Provision
0%
1431.33
150.53
1280.80
0%
1635.57
179.51
1456.06
11
Gross and Net NPA
Gross NPA
Net NPA
% of Gross NPA to total Advances
% of Net NPA to total Advances
167.60
NIL
1.83%
NIL
157.95
NIL
1.56%
NIL
12
Movement of NPA
Opening Balanace
Addition during year
Less:Recovery during year
Closing Balance
185.17
17.23
34.80
167.60
167.60
14.38
24.03
157.95
13
Working Capital
23264.44
23842.92
14
Percentage of Interest Income to Working Capital
7.35%
7.12%
15
Percentage of Interest Income to Total Advance
9.21%
8.14%
16
Percentage of Operating Profit to Working Capital
3.95%
2.71%
17
Return on Total Assets
1.51%
1.21%
18
Workload Per Employee
(Advance. + Deposit)
745.64
818.89
19
Net Profit Per Employee
9.49
8.47
20
Provision on Standard Assets
120.00
120.00
21
Date of Payment for Deposit Insurance Premium
9.11.21
6.05.22
29.10.22
12.05.23
22
Percentage of Non-Interest to Total Income
18.76%
8.02%
23
Percentage of Non-Interest to Working Capital
1.70%
0.62%
24
Classification of Advances (Rs. Lacs)
Classification of Assets Advances Provision Required Provision Made
31-3-2022 31-3-2023 31-3-2022 31-3-2023 31-3-2022 31-3-2023
Standard
8972.62
9952.21
35.89
39.80
120.00
120.00
Substandard
13.36
14.38
7.67
3.90
150.53
139.71
Doubtful
36.16
26.79
24.78
19.03
Loss
118.08
116.78
118.08
116.78
Total
9140.22
10110.16
186.42
179.51
270.53
259.71
Excess Provision
1280.08
1375.86
Total
9140.22
186.42
1551.33
1635.57
25
Provisions (Rs. Lacs)
Particular Provisions 31-03-2022 Provisions 31-03-2023
Opening Add/Ded Closing Opening Add/Ded Closing
Standard Assets
100
20
120
120
0
120
NPA Provision
1338.96
92.37
1431.33
1431.33
84.24
1515.57
Investment Depriciation
262.58
-99.56
163.02
163.02
150
313.02