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PERFORMANCE HIGHLIGHTS FOR THE YEAR ENDED MARCH 2010

AUDITED

   

( Rs. in Crores )
Sr. No   March 2010 March 2009
1 Paid-Up Capital 100.00 100.00
2 Reserves 28.74 25.59
3 Networth 128.74 125.59
4 Operating Profit(After deducting provisions for staff related items i.e. Bonus, Pension & Gratuity). 3.34 11.52
5 Net Profit / (Loss) 3.14 11.07
6 Total Deposits 491.52 588.12
7 Aggregate Deposits (excl. inter-bank deposits). 491.52 538.33
8 Total Advances 207.98 315.34
9 Net Advances 205.10 310.97
10 Investments - Net Book Value 319.24 217.36
11 Investments - Market Value 325.36 224.65
12 Average Total Assets 665.25 690.32
13 % of Priority Sector Advances to Net Bank Credit 33.19 36.77
14 No. of Branches (including service branches) 2 2
15 No. of Loss making Branches 0 0
16 No. of Fully Computerised Branches 2 2
17 No. of Employees 71 84
  - Officers
- Clerical
- Sub-Ordinate 		35
19
17		 44
23
17

RATIOS

   

( Ratios in % )
Sr. No   March 2010 March 2009
1 Credit Deposit Ratio (%) 42.31 58.58
2 Credit + Investment / Aggregate Deposits 107.26 98.95
3 Average Cost of Deposits  6.30 6.64
4 Average Yield on Advances (including NPAs) 9.95 10.63
5 Yield on Investments (%)(excluding the profit/loss on sale of Investment) 6.18 6.61
6 Net Interest Income / Average Total Assets * 1.12 2.61
7 Non-Interest Income / Average Total Assets 0.88 0.45
8 Non-Interest Income / Total Income 12.68 5.39
9 Increase in Non-Interest Income (%) 89.61 -77.66
10 Growth in Overheads 4.08 3.91
11 Expense Ratio 74.89 45.38
12 Per Employee Cost [Rs. in lacs] 6.59 4.94
13 Net Profit Per Employee [Rs. in lacs] 4.43 13.17
14 Average Business per Employee [Rs. in Crores] 10.55 9.60
15 Operating Profit / Average Total Assets 0.50 1.67
16 Return on Assets [ROA] 0.49 1.52
17 Gross NPAs to Net Advances (%) 1.57 1.46
18 Net NPAs to Net Advances (%) 0.00 0.00
19 Capital Adequacy    
  - Tier I Capital
- Tier II Capital
- Total Capital Funds
- Risk Weighted Assets
- Capital Adequacy Ratio (%)		 128.61
3.45
132.06
483.54
27.31		 119.07
0.00
119.07
560.52
21.24
 

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