Type of Membership

Individual

State Govt.

Total

Share Capital

Individual

30.10

31.87

32.66

37.56

39.06

State Govt.

5.50

5.50

5.50

5.50

5.50

Total

35.60

37.37

38.18

43.06

44.56

Reserve type

St. Reserve

40.87

40.87

40.90

42.25

43.25

Building Fund

19.30

19.30

19.30

19.30

19.30

B.D.D.R

48.45

53.56

50.14

50.17

50.82

Others

28.15

63.47

84.68

88.78

93.98

Total:

136.77

177.20

195.02

200.50

207.35

Deposit type

Current

275.47

330.48

210.52

145.98

148.24

Saving

643.23

675.59

450.69

510.61

602.38

Fixed

692.11

683.21

589.45

626.65

653.24

Total:

1610.81

1689.28

1250.66

1283.24

1403.86

Cash Position

Cash in Hand

38.05

19.29

3.97

19.39

18.37

In DCCB

2.15

97.01

35.91

52.38

20.65

In SCB

20.69

21.08

2.41

2.71

0.71

SBI

15.01

2.55

12.23

3.17

5.75

U.Co. Bank

8.31

12.32

17.54

12.76

24.02

J&K Bank

68.31

79.18

73.82

20.52

17.66

Total:

152.52

231.43

145.88

110.93

87.16

Investments/ FD's

Govt. of India

250.00

450.00

450.00

450.00

450.00

DCCB

293.24

152.16

179.92

93.15

125.00

SCB

126.31

17.61

18.26

19.06

19.96

SBI

74.64

47.68

Nil

Nil

20.94

U.Co. Bank

43.68

64.98

Nil

20.00

61.88

J&K Bank

279.93

210.42

84.00

86.37

95.36

Total:

1067.26

942.85

732.18

668.58

773.14

Loans issued

Agri. A. A.

5.65

4.91

4.43

4.80

4.80

S.S.I.

39.64

40.02

36.45

48.94

50.91

JK S.E.S.

6.25

7.04

10.09

17.12

20.12

 Gen. Trade R/W

443.53

479.97

542.75

629.59

685.27

Transport

21.84

26.54

78.07

67.34

97.50

Consumer/ HB

37.14

22.67

99.14

40.59

94.42

Loan Against FD

45.00

50.00

52.40

43.58

50.85

Loan to Staff

8.83

10.63

68.76

105.04

120.63

Total:

647.88

641.78

892.09

957.00

1134.50

Loan Outstanding

Short Term

414.86

483.15

366.91

415.94

453.95

Medium Term

128.00

180.45

181.69

276.63

310.18

Total:

542.86

663.60

548.60

692.57

755.13

Particulars

31-03-04

31-03-05

31-03-2006

31-03-2007

Growth

Share capital

Of which Govt.

16.89

2.85

18.99

2.85

21.68

2.85

24.34

12.27%

Reserve fund & others

122.30

147.94

175.15

203.85

16.39%

Deposits

882.64

977.94

1073.19

1092.61

2.00%

Loans/advances

Loans issued

443.99

125.65

483.76

167.80

585.62

208.18

684.14

273.98

16.82%

31.61%

CD ratio

50.30%

49.47%

54.57%

62.61%

8.04%

Investments in Govt. Securities

94.30

104.30

139.30

159.30

14.36%

Working capital

1056.25

1181.41

1311.42

1440.79

9.86%

Gross profit

19.88

25.73

27.32

28.85

5.60%

Net profit

14.33

17.73

19.02

20.25

6.47%

Demand

342.88

426.89

436.05

533.28

Recovery

319.20

403.15

407.23

498.83

Overdue

23.68

23.74

28.82

34.45

%age of recovery to demand

92.10%

94.44%

93.39%

93.54

0.15%

NPA

33.14

20.48

22.93

25.18

5.36%

Provision against NPA

42.95

50.95

58.55

66.35

13.32%

Net NPA

Nil

Nil

Nil

Nil

%age of NPA to total advances

7.46%

4.23%

3.92%

3.68%

-0.24%

Cost of management

23.62

24.34

27.54

30.98

12.49%

Cost of management/employee

1.48

1.52

1.72

2.06

0.34%

No. of employees

16

16

16

15

No. of branches

2

2

2

2

Business / employee

82.91

91.35

103.67

118.46

14.27%

Profit / employee

1.24

1.61

1.71

1.92

12.28%

Business / branch

663.32

730.82

829.40

888.48

7.12%

Average yield on assets

8.10%

7.77%

7.46%

7.30%

-0.16%

Average cost of fund

4.15%

3.72%

3.46%

3.32%

-0.14%

Financial margin

+3.95%

+4.05%

4.00%

3.98%

-0.02%

Misc. income as % working fund

0.17%

0.18%

.18%

0.17%

-0.01%

Last financial margin

4.12%

4.23%

4.18%

4.15%

-0.03%

COM as % to working fund

2.24%

2.06%

2.10%

2.15%

+0.05%

CRAR

14.32%

16.86%

16.22%

17.22%

1.00%

Net Financial Margin

1.88

2.17

2.08

2.00%

-0.08%

Audit Classification

A

A

A

Audit report not received yet

RBI Classification

Grade I

Grade I

Grade I

Grade I

S No.

                 Particulars

POSITION AS  ON              (AMOUNT  IN LAKHS)

2001-02

2002-03

2003-04

2004-05

2005-06

2006-07

A.

Share Capita

11.33

13.57

16.52

19.18

23.13

25.88

Individual

11.33

13.57

16.52

19.18

23.13

25.88

Govt.

------

------

------

------

-----

-----

B.

Deposits

202.45

290.67

411.69

512.09

654.63

754.08

C.

Advances

129.99

194.25

264.60

341.78

367.59

443.85

D.

Recoveries

95%

97%

97%

97%

96%

99%

E.

Cost of Funds

8.18

6.43

5.95

5.30

4.77

5.77

F.

N P As

0.30

0.00

0.00

0.00

0.00

0.00

G.

CD Ratio

64%

67%

64%

67%

56%

56%

H.

Business per Branch

332.44

484.92

676.29

853.87

1022.22

1197.93

I.

Business per Employee

55.41

60.61

67.63

85.39

102.22

108.90

J.

Net Turn Over

1621.68

3074.11

3918.58

4781.40

6704.76

7850.75

K.

Net Worth

11.77

17.31

25.42

32.65

43.70

52.76

L.

Profit before tax

2.20

0.84

7.32

7.40

11.91

12.21

M

Provision for Income Tax

----

----

----

----

----

3.72

N

Net Profit

----

----

----

----

----

8.49

Particulars

2002-03

2003-04

2004-05

2005-06

2006-07

1

OWNED FUNDS

488.10

607.69

649.54

714.36

735.92

I Share Capital

322.12

338.30

340.43

341.27

349.54

ii Reserves

926.62

1450.20

1719.07

2408.08

2570.49

2

DEPOSITS

15750.03

15448.97

15575.89

16416.67

17826.05

I Demand

6613.62

6677.21

7157.04

7753.25

7946.83

iiTerm

9136.41

8771.76

8418.85

8663.42

9879.22

3

BORROWINGS

NIL

NIL

NIL

NIL

       NIL

4

LOANS ISSUED

3380.18

1599.40

1321.27

1374.29

2073.01

I Short Term

1388.11

758.81

620.99

963.28

969.71

iiMedium Term

1617.27

661.01

554.93

285.25

784.74

iii Long Term

374.80

179.58

145.35

125.76

318.56

5

LOANS OUTSTANDING

9651.34

9781.15

9379.49

9253.34

9397.99

I Short Term

5097.03

5331.67

5430.07

5687.50

6028.85

ii Medium Term

3186.13

3028.41

2545.20

2272.86

2110.56

iii Long Term

1388.18

1421.07

1404.22

1292.98

1258.58

6

INVESTMENTS

5891.05

5832.50

6558.03

7319.46

9191.53

7

WORKING CAPITAL

17300.28

16854.29

17356.92

18489.77

20104.69

8

RECOVERY

I Demand

1695.86

1975.12

2132.01

2131.22

2044.86

ii Collection

1136.63

1140.61

1060.04

876.36

841.08

iii Percentage of Recovery

67%

58%

50%

41%

41%

9

ASSET CLASSIFICATION

I Standard

8238.95

7090.78

6383.62

6113.92

6235.46

ii NPAs

1412.39

2690.37

2995.87

3139.42

3162.53

iii %age of NPA to Loans

14.63%

27.50%

32%

34%

34%

outstanding

10

COST OF MANAGEMENT

9.10%

8.23%

7.40%

7.17%

7.18%

11

%AGE OF NPA TO

WORKING FUND

8.16%

15.96%

17.26%

16.98%

15.73%

12

FINANCIAL MARGIN

649.60

767.91

787.09

810.00

791.1

13

NET MARGIN

184.23

297.54

288.52

240.33

162.98

14

OPERATING PROFITS

184.23

297.54

288.52

240.33

162.98

15

Accumulated losses/ Net Loss

                 -

               -

            -

-23.66

             -

16

C/D RATIO

61.28%

63.31%

60.22%

56.37%

52.72%

17

No. of Branches

11

11

11

11

11