Non-Consolidated Annual Report 2018

69 BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED | NON-CONSOLIDATED ANNUAL REPORT 2018 BARBADOS PUBLIC WORKERS' CO-OPERATIVE CREDIT UNION LIMITED Notes to the Non-consolidated Financial Statements For the year ended March 31, 2018 (Expressed in Barbados dollars) 54 23. Financial Risk Management, continued Credit risk, continued 2017 Neither past due Past due but Individually nor impaired not impaired impaired Total Cash resources $ 94,019,618 - - 94,019,618 Financial investments: Held-to-maturity 28,536,207 - - 28,536,207 Loans and advances: Consumer 494,665,078 98,001,985 26,862,387 619,529,450 Mortgages 227,303,743 58,814,347 8,482,651 294,600,741 Business 1,517,636 1,939,466 333,017 3,790,119 Total $ 846,042,282 158,755,798 35,678,055 1,040,476,135 Aging analysis of past due but not impaired loans and advances: 2018 1-30 days 31-60 days 61-90 days Over 90 days Total Loans and advances: Consumer $ 81,254,945 21,969,890 7,044,915 13,478,101 123,747,851 Mortgages 42,867,651 15,056,991 3,769,891 9,318,838 71,013,371 Business 613,327 713,823 65,836 825,533 2,218,519 Total $ 124,735,923 37,740,704 10,880,642 23,622,472 196,979,741 2017 1-30 days 31-60 days 61-90 days Over 90 days Total Loans and advances: Consumer $ 61,238,445 19,275,488 5,734,567 11,753,485 98,001,985 Mortgages 32,651,855 12,759,704 3,052,585 10,350,203 58,814,347 Business 1,037,423 421,335 125,163 355,545 1,939,466 Total $ 94,927,723 32,456,527 8,912,315 22,459,233 158,755,798