| Sr. No. |
Particulars |
Details |
2008-2009 |
2009-2010 |
1 |
Credit Risk Adequacy Ratio |
Required as per rule
Maintained by bank
|
9
%
15.04 % |
9 %
15.15 % |
2 |
Investments |
Book Value
Face Value
Market Value |
5588.35
5600.00
4998.95 |
6523.28
6550.00
5894.85 |
3 |
Investment Fluc. Reserve |
|
75.00 |
90.00 |
4 |
Inv. Depreciation Reserve |
|
48.64 |
59.40 |
5 | Loans
/ Advance to Builders, Contractors |
| No
Loans
No Advances |
No Loans
No Advances |
6 | Loans
/ Advance against Shares & Debentures |
| No
Loans
No Advances |
No Loans
No Advances |
7 |
Loans to Directors against Fixed Deposit Receipt of Bank |
Amount
Percentage |
60.11
0.51% |
40.23
0.33 % |
8 | Housing
Loans / Advances |
|
1392.10 |
1573.73 |
9 |
Cost of Deposit |
|
6.72
% |
5.83 % |
10 |
Non-performing Assets (NPA) |
% of Net NPA
Total Provision
Provision required
Excess Provision |
0 %
889.71
638.01
251.70 |
|
11 |
Working Capital |
|
22912.50 |
23829.42 |
12 |
Percentage of Interest Income to Working Capital |
|
8.36
% |
8.64 % |
13 |
Percentage of Interest Income to Total Advances |
|
11.34
% |
11.30 % |
14 |
Percentage of Operating Profit to Working Capital |
|
1.25
% |
1.52 % |
15 |
Return on Total Assets |
|
0.88
% |
1.09 % |
16 |
Workload per Employee (Adv. + Dep.) |
|
311.66 |
291.33 |
17 |
Net Profit per Employee |
|
1.77 |
2.32 |
18 |
Provision made for Standard Assets |
|
72.93 |
62.57 |
19 |
Date of Premium paid for Deposit Insurance |
|
06/10/2009
05/04/2010 |
04/10/2010
07/04/2011 |
20 |
Percentage of Non-Interest Income to Total Income |
|
5.49
% |
14.70 % |
21 |
Percentage of Non-Interest Income to Working Capital |
|
0.49
% |
1.49 % |
