Table 1

Membership of the Society

Years

No of members

Rate of change

2007-08

3290

2008- 09

3260

30

2009-10

3200

40

2010-11

3191

2011-12

3149

42

Source: Annual Audit Reports and Records of the PAPCMS, palani.

The table explains the growth of membership of the society during the study
period. It could be concluded that the growth of membership of bank has a
decreasing trend mainly due to attraction of new members of the service render by
palani agricultural producers co-operative marketing society. It could also be
concluded that the rate of growth of the members of the bank is decreasing trend.

45
40

Trend Value

35
30
25
20
15
10
5
0
2008-09

2009-10

2010-11
YEARS

2011-12

Table 2
DEPOSITS FROM MEMBERS

Years

Deposits

Rate of change

2007-08

55,05,500

2008- 09

30,80,865

24,24,635

2009-10

23,67,900

7,12,965

2010-11

20,98,800

2,69,100

2011-12

18,45,350

2,53,450

Source: Annual Audit Reports and Records of the PAPCMS, palani.

The table explains the details of the deposits by members of the society. It
shows that the original deposits has started to decrease from year 2007-08 to 201112 expect the year 2009-10 when it has been raised enormously. It could be
inferred are decreasing.

3000000

Trend Value

2500000
2000000
1500000
1000000
500000
0
2008-09

2009-10

2010-11
YEARS

2011-12

COMPOSITION OF DEPOSITS OF THE SOCIETY

Years

Saving deposit
in Rs.
3,44,242

Total in Rs.

Rate of change

2007-08

Fixed deposit
in Rs.
78,85,997

82,30,239

2008- 09

55,43,840

4,03,030

59,46,870

22,83,369

2009-10

39,32,300

1,83,476

41,15,782

18,31,088

2010-11

31,82,597

2,60,935

34,43,532

6,72,250

2011-12

16,06,670

2,39,712

18,46,382

15,97,150

Source: Annual Audit Reportsand Recordsof the PAPCMS, palani.

The table presents the composition of deposits of the society in terms of its
fixed and saving deposits during the study period. It shows that there was high
decreasing in the deposits of the society.
It is absorbed that the total savings of the society have been fluctuated the
year 2007-08 to 2011-12. It is recorded as percentage of growth which indicates
also the negative impacts about for the above mentioned period.

2500000

Trend Value

2000000
1500000
1000000
500000
0
2008-09

2009-10

2010-11
YEARS

2011-12

SHARE CAPITAL OF THE SOCIETY

Years

Members in
Rs.

Total share
capital in Rs.

Rate of change

5,29,214

Govt.
contribution
in Rs.
1,12,000

2007-08

6,41,214

2008- 09

6,13,823

1,12,000

7,25,823

84,609

2009-10

6,78,740

1,42,000

8,20,740

94,917

2010-11

7,00,761

1,72,000

8,64,723

43,983

2011-12

7,66,008

2,02,000

9,09,348

44,625

Source: Annual Audit Reports and Records of the PAPCMS, palani.

The table explains the share capital position of the society by the members
and Government. It is observed that the total share capital of society increased
from Rs. 6, 41,214 to 9, 09,348. The share capital percentage rate indicates the
decreasing trend for the above mentioned period.

Trend Value

100000
90000
80000
70000
60000
50000
40000
30000
20000
10000
0
2008-09

2009-10

2010-11
YEARS

2011-12

INVERSMENT PATTERN OF THE BANK

Years

Investment in Rs.

Rate of change

2007-08

35,40,138

2008- 09

21,36,666

14,03,472

2009-10

5,40,069

15,96,597

2010-11

5,78,499

1,65,070

2011-12

6,23,590

45,091

Source: Annual Audit Reports and Records of the PAPCMS, palani.

The table explains the investment details of the society during period. It
shows that there is a high fluctuation in its investment. The percentage of changes
shows that there is a positive in the investment patter except for the period of 200809. It is regarded as a negative growth in 2008-09. It also regarded as high
percentage growth in 2009-10.It is observed that the positive investment pattern
mainly is due to services of the co-operative society.

1800000
1600000

Trend Value

1400000
1200000
1000000
800000
600000
400000
200000
0
2008-09

2009-10

2010-11
YEARS

2011-12

PROFIT AND LOSS OF THE SOCIETY

Years
2007-08

Profit and loss

Trend value
2100628

2008- 09

30,78,275(L)
11,15,498(L)

2009-10

10,55,393(L)

1275661

2010-11

13,65,961(L)

1254977

2011-12

15,56,403(L)

1434293

1196345

Source: Annual Audit Reports and Records of the PAPCMS, Palani

The table shows profit and loss of the PAPCMS for period of 2007-08 to 201112. It shows that the society is working with loss only for the periods of 2007-08 to
2011-12. The trend value of co-operative society reveals that there was a loss of
society from the period of 2007-08 2011-12. It was loss mainly due to lack of
awareness members above that prepayment etc.

2500000

TREND VALUE

2000000
1500000
1000000
500000
0
2007-08

2008-09

2009-10
YEARS

2010-11

2011-12

LIABILITIES OF THE SOCIETY

Years

Liabilities

Trend value

2007-08

1,99,57,103

19283201

2008- 09

1,87,21,635

18924156

2009-10

1,75,28,061

1856511

2010-11

1,85,92,129

18206066

2011-12

1,82,26,630

17847021

Source: Annual Audit Reports and Records of the PAPCMS, Palani

The table explains the performance of the society over study period. It shows
that the actual value of liabilities has been steeply decreased during the period.
Further it starts fluctuations for all period. Trend value liabilities have decreased
continuously from Rs. 19283201 lakhs to 17847021 lakhs over the study period.

25000000

TREND VALUE

20000000
15000000
10000000
5000000
0
2007-08

2008-09

2009-10
YEARS

2010-11

2011-12

SALES OF THE SOCIETY

Years

Sales

Trend value

2007-08

12,85,052

1117029

2008- 09

11,15,498

1196345

2009-10

10,55,393

1275661

2010-11

13,65,961

1354977

2011-12

15,56,403

1434293

Source: Annual Audit Reports and Records of the PAPCMS, palani

The table explains the sales of PAPCMS of palani for the period of 2007-08
to 2011-12. It shows that there is high fluctuation in the trend on sales. It showed
that there was on increasing trend sales of the society.

1600000

TREND VALUE

1400000
1200000
1000000
800000
600000
400000
200000
0
2007-08

2008-09

2009-10
YEARS

2010-11

2011-12

PURCHASE OF THE SOCIETY

Years

Purchase

Trend value

2007-08

12,20,304

1074093

2008- 09

11,08,359

1145895

2009-10

9,70,493

1217697

2010-11

13,11,669

1289499

2011-12

14,77,662

1363011

Source: Annual Audit Reports and Records of the PAPCMS, palani

The explains the purchase position of the society from the period of 2007-08
to 2011-12. It shows that there is a fluctuation in purchase during the study period.
It shows that the society has been purchasing a low level in the year 2009-10 and it
has been purchasing a high level in the year 2011-12. The trend value on purchase
of the society has been an increasing trend.

1600000

TREND VALUE

1400000
1200000
1000000
800000
600000
400000
200000
0
2007-08

2008-09

2009-10
YEARS

2010-11

2011-12

INTEREST RECIVED AND PAID BY THE SOCIETY

Years

Rate of change

Interest paid

Rate of change

2007-08

Interest
received
12,50,840

18,45,240

2008- 09

13,30,751

79,911

15,16,376

3,28,864

2009-10

10,52,026

2,78,725

23,50,442

8,34,066

2010-11

19,78,586

9,26,560

9,92,825

13,57,617

2011-12

8,07,715

11,70,871

9,24,521

68,304

Source: Annual Audit Reports and Records of the PAPCMS, palani

The table shows that the interest received over the study period and the
interest paid by the society steeply increased to Rs.19,78,586 for the period and
decreased to Rs. 9,92,825 respectively there is high fluctuation in percentage
growth of interest received by the society and the interest paid by the society has
higher during 2009-10. Percentage growth of the interest paid position by the
society revealed that there where was a negative impact in the all years.

RATE OF CHANGE

2500000
2000000
1500000
1000000
500000
0
2007-08

2008-09

2009-10

2010-11

2011-12

YEARS
INTEREST RECEIVED

INTREST PAID