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Latest Performance

FIGURES FOR LAST TWO YEARS                         Rs.in Lakhs

Particulars 2005-2006 2006-2007
Income    
Interest Income 32639.11 40005.38
Other Income 3952.96 5408.22
Total 36592.07 45413.60
Expenditure    
Interest Expended 18660.73 23255.75
Operating Expenses 7016.48 9009.56
Provisions & Contingencies 5277.51 5967.32
Total 30954.72 38232.63
Net Profit 5637.35 7180.97
UNAUDITED FINANCIAL RESULTS FOR THE PERIOD ENDED 31st DECEMBER, 2007
             
Particulars          ( Rs in Lakhs )
3 months ended 9 months ended Year ended
31.12.2007 31.12.2006 31.12.2007 31.12.2006 31.03.2007
Unaudited Unaudited Unaudited Unaudited Audited
1. Interest earned (a+b+c) 15484.27 9940.39 43114.87 28543.52 40005.38
  a) Interest/Discount on Advances/Bills 12258.91 7713.22 34431.62 22105.07 30832.04
  b) Income on Investments 2968.32 2111.20 8290.14 6192.11 8586.25
  c) Interest on balances with RBI and other Inter Bank funds 257.04 115.97 393.11 246.34 587.09
2. Other Income 2130.51 1086.46 5669.74 3159.79 5408.22
3. Total Income ( 1 + 2 ) 17614.78 11026.85 48784.61 31703.31 45413.60
4. Interest Expended 10550.60 5979.87 27959.34 16425.03 23255.75
5. Operating Expenses (i) + (ii) 2742.44 2346.78 8045.43 6324.80 9009.56
  (i) Employees Cost 1420.60 1211.37 3823.10 3188.55 4437.10
  (ii) Other Operating expenses 1321.84 1135.41 4222.33 3136.25 4572.46
6. Total Expenditure (4) + (5) excluding provisions and contingencies 13293.04 8326.65 36004.77 22749.83 32265.31
7. Operating Profit before provisions and contingencies (3) - (6) 4321.74 2700.20 12779.84 8953.48 13148.29
8. Provisions (other than tax) and    contingencies 960.00 582.00 2480.56 2352.00 3255.00
9. Exceptional Items 0.00 0.00 0.00 0.00 0.00
10. Profit (+) / Loss (-) from Ordinary Activities before tax (7)-(8)-(9) 3361.74 2118.20 10299.28 6601.48 9893.29
11. Tax Expenses 823.50 732.00 2945.00 2018.00 2712.32
12. Net Profit (+) / Loss (-) from Ordinary Activities after tax (10) - (11) 2538.24 1386.20 7354.28 4583.48 7180.97
13. Extra ordinary items (Net of Tax Expense) 0.00 0.00 0.00 0.00 0.00
14. Net Profit (+) / Loss (-) for the period (12) + (13) 2538.24 1386.20 7354.28 4583.48 7180.97
15. Paid up equity share Capital (Face value of Rs.10/- each) 3200.00 2400.00 3200.00 2400.00 2520.00
16. Reserves excluding revaluation reserves (as per balance sheet of previous accounting year) 34050.78 26214.51 34050.78 26214.51 34050.78
17. Analytical ratios          
  i) Percentage of shares held by Government of India Nil Nil Nil Nil Nil
  ii) Capital Adequacy Ratio (%) 14.04% 12.11% 14.04% 12.11% 12.58%
  iii) Earning Per Share (EPS)          
  (a) Basic & Diluted EPS - before extra ordinary items (Not annualised ) (Rs.) 8.09 5.78 27.27 19.10 29.92
  (b) Basic & Diluted EPS - after extra ordinary items (Not annualised) (Rs.) 8.09 5.78 27.27 19.10 29.92
  iv) NPA Ratios          
       (a) Gross NPA 9266.73 11363.41 9266.73 11363.41 8707.15
       (b) Net NPA 4465.22 4097.42 4465.22 4097.42 3624.71
       (c) % of Gross NPA  2.32 3.95 2.32 3.95