Please donot blame your banker as they are also commercial organization like yours and in the present scenario while you obtained the loan and because of your wrong selection of your customer or any other reasons the money taken in cash credit has gone waste.
The Bank definitely can file criminal case against the dis honest borrower but usually they donot file criminal cases because that is a surety that their loan will not be repaid after filing the complaint as whatever residue is available with you will be snatched by the police secondly when you have filed the stock statements the bank officers are also verifying the same so primary concern of the banker is refund of their own advances provided to you.
My most sincere that too at the moment free advice would be clear total debt of the bank other wise with interest, interest over interest, penal interest, inspection charges, litigation charges would be longer then the tail of sh Hanuman Ji.
One parting advice the sooner you clear your dues better would be as the present staff who knew that you are filing wrong stock statement will try to clear ever thing before they are posted out. GET GOING.