BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED
NON-CONSOLIDATED ANNUAL REPORT 2016
62
BARBADOS PUBLIC WORKERS' CO-OPERATIVE CREDIT UNION LIMITED
Notes to the Non-consolidated Financial Statements
For the year ended March 31, 2016
(Expressed in Barbados dollars)
47
24. Financial Risk Management,
continued
Credit risk,
continued
2015
Neither past due Past due but
Individually
nor impaired not impaired
impaired
Total
Cash resources
$ 93,772,722
-
-
93,772,722
Financial investments:
Held-to-maturity
25,838,462
-
-
25,838,462
Loans and advances:
Consumer
420,912,149 78,908,935 22,827,754 522,648,838
Mortgages
188,242,802 37,117,465 14,107,154 239,467,421
Business
1,257,015 1,513,834
286,660 3,057,509
Total
$ 730,023,150 117,540,234 37,221,568 884,784,952
Aging analysis of past due but not impaired loans and advances:
2016
1-30 days 31-60 days 61-90 days Over 90 days
Total
Loans and advances:
Consumer
$ 54,593,687 19,127,609 5,554,829 9,797,668 79,276,125
Mortgages
25,022,460 9,532,123 4,419,282 10,855,184 38,973,865
Business
1,018,186
186,519
-
342,462 1,204,705
Total
$ 80,634,333 28,846,251 9,974,111 20,995,314 119,454,695
2015
1-30 days 31-60 days 61-90 days Over 90 days
Total
Loans and advances:
Consumer
$ 51,461,060 15,853,922 3,435,488 8,158,465 70,750,470
Mortgages
24,330,240 4,981,505 2,603,543 5,202,177 31,915,288
Business
991,501
182,012
28,034
312,287 1,201,547
Total
$ 76,782,801 21,017,439 6,067,065 13,672,929 103,867,305
