Kuap. Ru - Balance sheet with turnover of КОСТРОМАСЕЛЬКОМБАНК, analysis of turnover of bank's accounts

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	KOSTROMASELKOMBANK	add to comparison
Central Bank of Russia registration number: 1115

On this page you can see aggregated balance sheet of the bank. Turnover equals to maximum of debit and credit turnover on balance sheet item for the month selected. Turnover analysis helps to highlight unusual operatios which can mean risky character of its activities. For example average cash turnover to net assets ratio on Russian banking system is 0,34. If cash turnover to net assets equals to 2-3 and payment processing is not this bank's primary business - this is the reason to think on this matter.

You can also get acquainted with balance sheet aggregation methodics.


Turnover by thous. rub.					Period change
ASSETS	18 777 865	19 943 670	22 142 960	14 329 347	-4 448 518	-23,7%
High liquid assets	10 066 756	10 744 842	11 987 497	7 749 653	-2 317 103	-23,0%
Cash and equivalents	9 999 666	10 674 739	11 889 430	7 674 398	-2 325 268	-23,3%
Cash	296 894	382 334	476 749	264 784	-32 110	-10,8%
in cash and en route	252 645	335 506	407 236	229 158	-23 487	-9,3%
in ATMs	44 249	46 828	69 513	35 626	-8 623	-19,5%
Nostro account with Central Bank	9 702 772	10 292 405	11 412 681	7 409 614	-2 293 158	-23,6%
Nostro accounts	29 546	27 552	39 758	37 741	8 195	27,7%
Residents	29 546	27 552	39 758	37 741	8 195	27,7%
Money in transfer	37 544	42 551	58 309	37 514	-30	-0,1%
Provision for impairment of high-liquid assets	-	-	-	-	-	-
Interest-earning assets	8 683 477	9 161 992	10 117 538	6 554 288	-2 129 189	-24,5%
Dues from banks	8 623 124	9 119 780	9 805 556	6 493 745	-2 129 379	-24,7%
Central Bank of Russia	2 736 000	2 997 000	3 368 000	2 075 000	-661 000	-24,2%
Residents	5 886 308	6 122 122	6 436 787	4 418 044	-1 468 264	-24,9%
up to 30 days	5 870 000	6 105 000	6 420 000	4 400 000	-1 470 000	-25,0%
up to 180 days	16 308	17 122	16 787	18 044	1 736	10,6%
Loans past-due	5	-	-	-	-5	-100,0%
residents	5	-	-	-	-5	-100,0%
Provision for impairment of loans to banks	811	658	769	701	-110	-13,6%
Loans to corporate clients	43 234	18 382	114 141	5 045	-38 189	-88,3%
residents	37 285	9 853	52 000	3 100	-34 185	-91,7%
up to 30 days	458	720	-	-	-458	-100,0%
up to 180 days	55	712	-	-	-55	-100,0%
up to 1 year	590	620	-	1 000	410	69,5%
up to 3 years	36 182	7 801	-	2 100	-34 082	-94,2%
more than 3 years	-	-	52 000	-	-	-
Past-due	645	80	253	82	-563	-87,3%
residents	645	80	253	82	-563	-87,3%
Provision for impairment of corporate loans	5 304	8 449	61 888	1 863	-3 441	-64,9%
residents	5 304	8 449	61 888	1 863	-3 441	-64,9%
Loans to private entrepreneurs	92	370	17 665	20 765	20 673	22 470,7%
up to 1 year	-	-	-	-	-	-
up to 3 years	-	-	-	20 000	20 000	-
more than 3 years	-	-	15 000	-	-	-
Past-due	-	1	136	-	-	-
Provision for impairment of loans to private entrepreneurs	92	369	2 529	765	673	731,5%
Loans to individuals	17 027	23 460	180 176	34 733	17 706	104,0%
Standard	11 034	6 830	116 843	25 237	14 203	128,7%
up to 30 days	1 986	2 660	2 373	1 732	-254	-12,8%
up to 180 days	-	-	-	-	-	-
up to 1 year	775	770	940	690	-85	-11,0%
up to 3 years	950	2 200	10 670	2 390	1 440	151,6%
more than 3 years	7 323	1 200	102 860	20 425	13 102	178,9%
Past-due	61	4 013	2	2 095	2 034	3 334,4%
Past-due	61	4 013	2	2 095	2 034	3 334,4%
Provision for impairment of loans to individuals	5 932	12 617	63 331	7 401	1 469	24,8%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	27 632	36 836	37 925	25 406	-2 226	-8,1%
Mandatory reserves with Central Bank	7	-	29	-	-7	-100,0%
Premises and equipment	1 306	450	6 703	315	-991	-75,9%
Purchase cost	1 306	450	6 599	315	-991	-75,9%
Depreciation	-	-	104	-	-	-
Accrued interest not yet received	15 484	17 117	16 171	16 759	1 275	8,2%
Other assets	8 070	16 893	11 147	7 367	-703	-8,7%
Provision for impairment of other assets	2 765	2 376	3 875	965	-1 800	-65,1%
LIABILITIES	1 537 226	1 743 937	2 308 730	1 387 331	-149 895	-9,8%
On demand	1 425 820	1 568 077	2 097 776	1 209 332	-216 488	-15,2%
Corporate clients	1 343 804	1 489 348	1 877 457	1 117 973	-225 831	-16,8%
Residents	1 343 804	1 489 348	1 877 457	1 117 973	-225 831	-16,8%
Individuals	82 016	78 729	220 319	91 359	9 343	11,4%
Residents	81 982	78 686	220 319	91 303	9 321	11,4%
Non-residents	34	43	-	56	22	64,7%
Term	71 213	130 134	159 879	144 611	73 398	103,1%
Corporate clients	34 851	85 340	41 539	40 388	5 537	15,9%
Residents	34 851	85 340	41 539	40 388	5 537	15,9%
up to 180 days	16 911	16 340	17 039	34 388	17 477	103,3%
up to 1 year	-	-	-	-	-	-
up to 3 years	17 940	36 000	24 500	6 000	-11 940	-66,6%
more than 3 years	-	33 000	-	-	-	-
Individuals	36 362	44 794	118 340	104 223	67 861	186,6%
residents	36 362	44 794	118 340	104 223	67 861	186,6%
up to 180 days	1 649	3 887	5 592	2 850	1 201	72,8%
up to 1 year	31 934	35 798	109 966	98 857	66 923	209,6%
up to 3 years	2 779	5 109	2 782	2 516	-263	-9,5%
Other liabilities	40 193	45 726	51 075	33 388	-6 805	-16,9%
Other liabilities	33 058	38 665	43 783	24 941	-8 117	-24,6%
Accrued interest not yet paid	7 135	7 061	7 292	8 447	1 312	18,4%
EQUITY	30 683	44 150	154 598	1 776 884	1 746 201	5 691,1%
Capital	-	-	-	-	-	-
Profit from previous years	-	-	-	864 375	864 375	-
Retained earnings from previous years	-	-	-	864 375	864 375	-
Current year profit	30 683	44 150	154 598	912 509	881 826	2 874,0%
Current year retained earnings	30 683	44 150	154 598	912 509	881 826	2 874,0%
OFF-BALANCE SHEET	127 566	115 799	233 322	72 255	-55 311	-43,4%
Contingent liabilities	12 454	15 325	18 773	9 872	-2 582	-20,7%
Unused credit limits opened	12 454	15 325	18 773	9 872	-2 582	-20,7%
Collateral on loans	107 589	98 537	182 986	60 444	-47 145	-43,8%
goods	107 589	98 537	182 986	60 444	-47 145	-43,8%
Unprocessed payments	7 523	1 937	31 563	1 939	-5 584	-74,2%
Due to lack of funds on client accounts	7 523	1 937	31 563	1 939	-5 584	-74,2%
Other off-balance sheet accounts	-	-	-	-	-	-
Written-off interest	-	-	-	-	-	-
Written-off loans	-	-	-	-	-	-
Credit card balances	1 986	2 660	2 373	1 732	-254	-12,8%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-