Year End Financials - Texoma Community Credit Union

Transcription

TEXOMA COMMUNITY CREDIT UNION
Statement of Condition
December 31, 2014
ASSETS
1
Cash and Cash Equivalents
INVESTMENTS
2
Securities
3
Deposits in Commercial Banks, S&Ls, Savings Banks
4
Membership Capital at Corporate Credit Unions
5
All Other Investments in Corporate Credit Unions
6
All Other Investments
7
TOTAL INVESTMENTS
LOANS AND LEASES
8
All Other Unsecured Loans
9
New Vehicle Loans
10
Used Vehicle Loans
11
Member Business Loans
12
Total 1st Mortgage Real Estate Loans
13
Total Other Real Estate Loans
14
Total All Other Loans/LOC to Members
15
Net Loan Participations
16
TOTAL LOANS AND LEASES
17
Less: Allowance for Loan & Lease Losses
18
NET LOANS AND LEASES
OTHER ASSETS
19
Other Real Estate Owned
20
Land and Building
21
Other Fixed Assets
22
NCUA Share Insurance Capitalization Deposit
23
Other Assets
24
TOTAL ASSETS
$
1,649,255.04
1
0.00
3,237,000.00
216,990.00
3,832,491.20
2,147.44
7,288,628.64
2
4,875,128.06
24,190,890.19
23,938,697.34
784,606.73
17,591,725.92
10,163,720.68
6,821,378.87
82,492.77
88,448,640.56
(719,203.02)
87,729,437.54
8
3
4
5
6
7
Loans
1,465
1,125
2,527
19
252
251
749
62
6,388
9
10
11
12
13
14
15
16
17
18
102,370.34
1,471,621.71
515,051.07
987,554.84
11,323,717.76
$ 111,067,636.94
19
$
11,496.69
3,203,193.95
0.00
25
30,418,504.30
28,435,948.39
409,953.88
4,342,356.81
425,469.19
9,563,266.12
23,409,626.21
97,005,124.90
29
1,212,619.14
9,319,506.39
0.00
315,695.87
$ 111,067,636.94
0.71% $
630,206.06
$ 2,138,943.84
37
20
21
22
23
24
LIABILITIES, SHARES, AND EQUITY
LIABILITES
25
Total Borrowings
26
Accrued Dividends & Interest Payable
27
Accounts Payable and Other Liabilities
28
Accrued NCUSIF Premium
SHARES AND DEPOSITS
29
Share Drafts
30
Regular Shares
31
Special Savings
32
Money Manager Accounts
33
Escrow Accounts
34
Individual Retirement Accounts
35
Share Certificates
36
TOTAL SHARES AND DEPOSITS
EQUITY
37
Regular Reserves
38
Undivided Earnings
39
Unrealized Gain/Loss AFS SEC
40
Net Income
41
TOTAL LIABILITIES, SHARES AND EQUITY
42
Delinquent Loans
43
Total Contingent Liabilities
26
27
28
Accounts
5,312
12,388
279
109
409
502
682
84
30
31
32
33
34
35
36
38
39
40
41
42
43
We certify, to the best of our knowledge and belief, this statement and related statements are true and correct and
present fairly the financial postion and results of operations for the period covered.
CFO ____________________________________ PRESIDENT _____________________________________
Page 7
Post Closing Statement of Condition
December 31, 2014
ASSETS
1
INVESTMENTS
2
Securities
3
Deposits in Commercial Banks, S&Ls, Savings Banks
4
Membership Capital at Corporate Credit Unions
5
All Other Investments in Corporate Credit Unions
6
All Other Investments
7
TOTAL INVESTMENTS
LOANS AND LEASES
8
All Other Unsecured Loans
9
New Vehicle Loans
10
Used Vehicle Loans
11
12
Total 1st Mortgage Real Estate Loans
13
Total Other Real Estate Loans
14
Total All Other Loans/LOC to Members
15
16
TOTAL LOANS AND LEASES
17
Less: Allowance for Loan & Lease Losses
18
NET LOANS AND LEASES
OTHER ASSETS
19
Other Real Estate Owned
20
Land and Building
21
Other Fixed Assets
22
NCUA Share Insurance Capitalization Deposit
23
Other Assets
24
TOTAL ASSETS
$
1,649,255.04
1
0.00
3,237,000.00
216,990.00
3,832,491.20
2,147.44
7,288,628.64
2
4,875,128.06
24,190,890.19
23,938,697.34
784,606.73
17,591,725.92
10,163,720.68
6,821,378.87
82,492.77
88,448,640.56
(719,203.02)
87,729,437.54
8
3
4
5
6
7
Loans
1,465
1,125
2,527
19
252
251
749
62
6,388
9
10
11
12
13
14
15
16
17
18
102,370.34
1,471,621.71
515,051.07
987,554.84
11,323,717.76
$ 111,067,636.94
19
$
25
20
21
22
23
24
LIABILITIES, SHARES, AND EQUITY
LIABILITES
25
Total Borrowings
26
Accrued Dividends & Interest Payable
27
Accounts Payableand Other Liabilities
28
NCUSIF Premium
SHARES AND DEPOSITS
29
Share Drafts
30
Regular Shares
31
Special Savings
32
Money Manager Accounts
33
Escrow Accounts
34
35
Share Certificates
36
EQUITY
37
Regular Reserves
38
Undivided Earnings
39
Unrealized Gain/loss AFS SEC
40
TOTAL LIABILITIES, SHARES AND EQUITY
41
Delinquent Loans
42
Total Contingent Liabilities
11,496.69
3,203,193.95
0.00
27
28
Accounts
5,312
12,388
279
109
409
502
682
26
30,418,504.30
28,435,948.39
409,953.88
4,342,356.81
425,469.19
9,563,266.12
23,409,626.21
97,005,124.90
29
30
31
32
33
34
35
36
84
1,212,619.14
9,635,202.26
0.00
$ 111,067,636.94
0.71% $
630,206.06
$
2,138,943.84
37
38
39
40
41
42
We certify, to the best of our knowledge and belief, this statement and related statements are true and correct and
present fairly the financial postion and results of operations for the period covered.
Comptroller ____________________________________ PRESIDENT _____________________________________
Page 7-A
Statement of Cash Flows and Change in Financial Condition
December 31, 2014
STATEMENT OF CASH FLOWS
12/31/13
12/31/14
1,183,267.62
11,436,482.30
83,597,740.43
2,061,738.50
10,883,789.49
1,649,255.04
7,288,628.64
87,729,437.54
1,986,672.78
12,413,642.94
109,163,018.34
111,067,636.94
0.00
2,675,090.00
67,853,851.90
28,580,403.49
10,053,672.95
0.00
3,214,690.64
73,595,498.69
23,409,626.21
10,847,821.40
109,163,018.34
111,067,636.94
Sources of
Funds
Uses of Funds
ASSETS
Investments
Net Loans and Leases
Fixed Assets
All Other Assets
Total Assets
LIABILITIES, DEPOSITS AND EQUITY
Total Borrowing
All Other Liabilities
Deposits of Members
Share Certificates
Total Equity
Total Liabilities, Deposits and Equity
465,987.42
4,147,853.66
4,131,697.11
75,065.72
1,529,853.45
539,600.64
5,741,646.79
5,170,777.28
794,148.45
11,298,315.26
11,298,315.26
CHANGE IN FINANCIAL POSITION
EQUITY BALANCE AT BEGINNING OF THE YEAR
10,053,672.95
ADDITIONS FROM REVENUES
Interest on Loans
Interest on Investments
Fee Income
All Other Income
4,632,776.06
55,636.47
1,384,528.77
918,727.98
6,991,669.28
DEDUCTIONS FROM COSTS
Dividends Paid to Members
Dividends Paid to Share Certificates
Interest on Borrowed Money
Provision for Loan Losses Expense
Salaries and Benefits
All Other Operating Costs
371,608.88
327,764.45
47.74
617,851.46
2,735,341.78
2,144,906.52
6,197,520.83
CHANGE IN FINANCIAL POSITION
794,148.45
ENDING EQUITY BALANCE
10,847,821.40
Page 7-B
Income Statement
December 31, 2014
Income/Expense Classification
Current Month Budget Month
Actual
YearBudget
to-Date
Year-to-Date
INTEREST INCOME
1
2
3
4
5
6
7
8
9
10
Interest on Unsecured Loans
Interest on New Vehicle Loans
Interest on Used Vehicle Loans
Interest on Member Business Loans
Interest on First Mortgage Loans
Interest on Other Real Estate Loans
Interest on All Other Loans
INCOME FROM LOANS
Investment Income
TOTAL INTEREST INCOME
$ 31,985.79
82,669.90
115,046.29
4,789.52
83,468.75
51,512.88
29,185.88
398,659.01
5,385.84
404,044.85
$ 27,364.00
96,386.00
124,013.00
4,188.00
82,264.00
52,601.00
38,878.00
425,694.00
4,819.00
430,513.00
$ 363,423.91
997,240.41
1,331,942.57
56,527.32
914,974.83
595,716.84
372,950.18
4,632,776.06
55,636.47
4,688,412.53
$ 336,653.00
1,104,590.00
1,441,477.00
54,157.00
928,965.00
603,827.00
439,215.00
4,908,884.00
49,831.00
4,958,715.00
2,332.18
19,482.41
369.43
16,416.62
8,037.17
33.12
0.00
46,670.93
116,400.00
240,973.92
2,346.00
27,295.00
736.00
19,212.00
9,239.00
29.00
0.00
58,857.00
46,633.00
325,023.00
27,670.84
221,431.43
5,194.50
327,764.45
116,842.95
469.16
47.74
699,421.07
617,851.46
3,371,140.00
27,019.00
301,708.00
8,474.00
340,515.00
123,297.00
333.00
0.00
801,346.00
559,596.00
3,597,773.00
11
123,662.39
81,349.14
29,289.36
0.00
0.00
234,300.89
107,766.00
68,424.00
0.00
(284.00)
0.00
175,906.00
1,384,528.77
832,658.40
29,289.36
(3,926.78)
60,707.00
2,303,256.75
1,314,186.00
787,313.00
0.00
(3,336.00)
25,000.00
2,123,163.00
21
191,241.81
39,868.14
(23,253.50)
5,321.24
19,645.71
48,725.35
24,977.78
6,406.74
39,025.62
(200.00)
9,851.76
0.00
361,610.65
185,582.00
42,960.00
9,532.00
8,291.00
25,465.00
51,707.00
25,405.00
5,056.00
69,679.00
14.00
4,861.00
0.00
428,552.00
2,254,378.94
480,962.84
47,871.30
65,500.99
275,115.79
628,993.26
295,917.20
87,139.23
646,824.48
(1,005.19)
98,549.46
0.00
4,880,248.30
2,227,102.00
531,318.00
86,968.00
77,484.00
303,837.00
621,613.00
322,445.00
78,893.00
598,920.00
1,648.00
68,609.00
0.00
4,918,837.00
27
72,377.00
794,148.45
802,099.00
40
0.00
0.00
0.00
0.00
41
$ 113,664.16
$ 72,377.00
$ 794,148.45
$ 802,099.00
42
1
2
3
4
5
6
7
8
9
10
INTEREST EXPENSE
11
12
13
14
15
16
17
18
19
20
Shares Dividends
Share Drafts Dividends
Money Market Dividends
Share Certificate Dividends
IRA Dividends
Special Savings Dividends
Interest on Borrowed Funds
TOTAL INTEREST EXPENSE
PROVISION FOR LOAN LOSSES
NET INTEREST INCOME
12
13
14
15
16
17
18
19
20
NON-INTEREST INCOME
21
22
23
24
25
26
Fee and Charges Income
Other Income
Gain (Loss) on Investments
Gain (Loss) on Sale of Assets
Non-Operating Income (Costs)
TOTAL NON-INTEREST INCOME
22
23
24
25
26
NON-INTEREST EXPENSE
27
28
29
30
31
32
33
34
35
36
37
38
39
Salaries
Employee Benefits
Travel and Conference Costs
Dues and Subscriptions
Office Occupancy Costs
Office Operations Costs
Advertising and Promotions Costs
Loan Servicing Costs
Professional and Outside Services
Cash Over(Short)
Other Expenses
NCUSIF Premium
TOTAL NON-INTEREST EXPENSE
40
INCOME BEFORE UNRELATED BUSINESS INCOME113,664.16
41
Income Tax on Unrelated Business
42
NET INCOME
Page 8
28
29
30
31
32
33
34
35
36
37
38
39
Spread Analysis - Actual Annual Data
December 31, 2014
Regulatory Method Analysis Available Upon Request
SPREAD ANLYSIS
Dec-13
Jan-14
Feb-14
Mar-14
Apr-14
May-14
Jun-14
Jul-14
Aug-14
Sep-14
Oct-14
Nov-14
Dec-14
Year-End
Projection
Yield on Loans
Yield on Investments
4.56%
0.05%
4.52%
0.05%
4.47%
0.05%
4.42%
0.05%
4.36%
0.05%
4.31%
0.05%
4.26%
0.05%
4.22%
0.05%
4.19%
0.05%
4.16%
0.05%
4.15%
0.05%
4.14%
0.05%
4.13%
0.05%
4.36%
0.04%
1
2
3
Yield on Assets
4.61%
4.57%
4.52%
4.47%
4.41%
4.36%
4.31%
4.27%
4.24%
4.21%
4.20%
4.19%
4.18%
4.40%
3
4
Cost of Funds
0.92%
0.90%
0.87%
0.85%
0.82%
0.79%
0.77%
0.74%
0.72%
0.70%
0.67%
0.65%
0.62%
0.71%
4
5
Interest Margin
3.69%
3.67%
3.65%
3.62%
3.59%
3.57%
3.54%
3.53%
3.52%
3.51%
3.53%
3.54%
3.56%
3.69%
5
6
Non-Interest Expenses
Non-Interest Income
4.49%
1.96%
4.46%
1.94%
4.46%
1.93%
4.47%
1.89%
4.43%
1.88%
4.40%
1.86%
4.39%
1.87%
4.42%
1.88%
4.43%
1.89%
4.34%
1.92%
4.34%
1.94%
4.37%
1.94%
4.35%
2.00%
4.35%
1.86%
6
7
8
Operating Margin
1.16%
1.15%
1.12%
1.04%
1.04%
1.03%
1.02%
0.99%
0.98%
1.09%
1.13%
1.11%
1.21%
1.20%
8
9
Provision for Loan Losses
0.41%
0.41%
0.42%
0.43%
0.41%
0.41%
0.48%
0.50%
0.46%
0.50%
0.45%
0.45%
0.55%
0.50%
9
10 Return on Average Assets
0.75%
0.74%
0.70%
0.61%
0.63%
0.62%
0.54%
0.49%
0.52%
0.59%
0.68%
0.66%
0.66%
0.70% 10
11 Extra-Ordinary Income
0.07%
0.06%
0.06%
0.06%
0.06%
0.06%
0.06%
0.06%
0.06%
0.06%
0.06%
0.05%
0.05%
0.02% 11
12 Net Return on Average Assets
0.82%
0.80%
0.76%
0.67%
0.69%
0.68%
0.60%
0.55%
0.58%
0.65%
0.74%
0.71%
0.71%
0.70% 12
9.96%
9.36%
9.06%
9.59%
0.62%
0.46%
0.55%
5.75%
86.50%
1.81%
3.24%
52.76%
36,666.05
101,234.00
285,976.11
359,637.00
9.99%
9.39%
9.24%
9.59%
0.65%
0.47%
0.58%
5.75%
88.77%
1.81%
3.24%
52.93%
94,976.80
87,570.00
380,952.91
447,207.00
10.07%
9.45%
9.54%
9.59%
0.66%
0.48%
0.65%
5.71%
91.09%
1.86%
3.13%
50.97%
97,499.67
76,225.00
478,452.58
523,432.00
10.12%
9.51%
9.49%
9.51%
0.68%
0.49%
0.74%
5.71%
90.32%
1.81%
3.12%
50.97%
96,056.92
92,977.00
574,509.50
616,409.00
10.20%
9.59%
9.49%
9.51%
0.59%
0.50%
0.71%
5.71%
91.00%
1.81%
3.15%
51.47%
105,974.79
113,313.00
680,484.29
729,722.00
10.32%
9.68%
9.77%
10.38% 13
9.63% 14
0.71%
0.53%
0.71%
5.67%
91.18%
1.79%
3.12%
50.44%
113,664.16
72,377.00
794,148.45
802,099.00
16
1
2
7
KEY RATIOS
13 Capital Ratio
14 Net Worth Ratio
15 Hard Net Worth Ratio
16
17
18
19
20
21
22
23
24
25
26
27
NWR 4qtr. Avg(Call Report)
Delinquency
Net Average Charge Off
Return on Average Assets
Weighted Average Yield
Loans to Shares
Fixed Assets
Net Operating Expense/Assets
Net Operating Expense/Income
Contibution to Capital
Budgeted Contribition to Capital
YTD Capital Contribution
YTD Budget Capital Contribution
10.21%
9.64%
9.21%
9.24%
0.63%
0.39%
0.82%
5.94%
87.30%
1.89%
3.27%
49.72%
842,752.05
842,739.38
10.19%
9.64%
9.36%
8.79%
0.71%
0.39%
0.80%
5.94%
88.11%
1.89%
3.25%
49.92%
76,556.97
43,222.00
76,556.97
43,222.00
10.11%
9.58%
9.10%
9.09%
0.60%
0.40%
0.76%
5.94%
84.91%
1.81%
3.25%
50.52%
33,642.06
40,288.00
110,199.03
83,510.00
10.07%
9.54%
9.10%
9.09%
0.41%
0.42%
0.67%
5.86%
84.29%
1.82%
3.28%
51.62%
32,771.81
41,222.00
142,970.84
124,732.00
10.05%
9.48%
9.09%
9.09%
0.54%
0.43%
0.69%
5.86%
85.02%
1.83%
3.25%
51.70%
26,896.49
32,478.00
169,867.33
157,210.00
10.00%
9.45%
8.97%
9.09%
0.49%
0.44%
0.68%
5.86%
84.16%
1.77%
3.24%
52.07%
47,690.50
46,811.00
217,557.83
204,021.00
9.97%
9.41%
9.05%
9.59%
0.63%
0.45%
0.60%
5.75%
85.98%
1.76%
3.21%
52.03%
31,752.23
54,382.00
249,310.06
258,403.00
Page 9
15
17
0.70% 18
19
88.55%
1.80%
3.18%
50.75%
20
21
22
23
24
25
802,103.00
26
27
Balance Sheet Overview
December 31, 2014
BASE
December-13
November-14
December-14
CHANGE
LOANS
Unsecured Loans
New Vehicle Loans
Used Vehicle Loans
First Mortgage Loans
Other Real Estate Loans
Other Loans & Lines of Credit
TOTAL LOANS
4,333,622.57
22,524,051.68
22,737,342.19
830,070.51
15,950,372.26
9,742,726.61
7,881,402.02
183,870.37
84,183,458.21
4,615,477.94
24,179,625.24
23,953,522.72
792,922.19
17,547,333.22
10,421,216.39
6,879,611.91
86,636.40
88,476,346.01
4,875,128.06
24,190,890.19
23,938,697.34
784,606.73
17,591,725.92
10,163,720.68
6,821,378.87
82,492.77
88,448,640.56
259,650.12
11,264.95
(14,825.38)
(8,315.46)
44,392.70
(257,495.71)
(58,233.04)
(4,143.63)
(27,705.45)
4,386,788.00
23,872,355.00
23,648,457.00
690,802.00
17,523,675.00
10,327,290.00
8,584,709.00
73,548.00
89,107,624.00
4,386,788.00
23,872,355.00
23,648,457.00
690,802.00
17,523,675.00
10,327,290.00
8,584,709.00
73,548.00
89,034,076.00
12.5%
7.4%
5.3%
-5.5%
10.3%
4.3%
-13.4%
-55.1%
5.1%
1
DEPOSITS
Shares
Share Drafts
Money Market Accounts
Share Certificates
Escrow & Special Savings
26,360,551.70
27,830,635.62
3,307,475.10
9,668,970.03
28,580,403.49
686,219.45
96,434,255.39
28,490,609.65
30,430,575.51
4,513,740.16
9,659,035.75
23,400,295.59
731,876.18
97,226,132.84
28,435,948.39
30,418,504.30
4,342,356.81
9,563,266.12
23,409,626.21
835,423.07
97,005,124.90
(54,661.26)
(12,071.21)
(171,383.35)
(95,769.63)
9,330.62
103,546.89
(221,007.94)
27,678,580.00
32,005,231.00
3,472,849.00
9,853,192.00
26,289,258.00
738,565.00
100,037,675.00
27,678,580.00
32,005,231.00
3,472,849.00
9,853,192.00
26,289,258.00
738,565.00
100,037,675.00
7.9%
9.3%
31.3%
-1.1%
-18.1%
21.7%
0.6%
10
11,436,482.30
109,163,018.34
8,400,632.53
111,792,458.36
7,288,628.64
111,067,636.94
(1,112,003.89)
(724,821.42)
11,354,614.00
114,296,957.00
11,354,614.00
114,296,957.00
3,153,554.70
6,515,415.33
1,654,673.16
1,635,316.17
17,485.77
3,802,645.23
5,856,390.52
2,307,411.93
2,192,688.35
13,639.88
3,871,201.72
5,692,064.40
2,243,989.70
2,084,298.41
14,068.70
68,556.49
(164,326.12)
(63,422.23)
(108,389.94)
428.82
321,161.57
1,253,242.38
8,166,612.83
2,101,329.02
1,581,339.94
264,078.86
14,369,863.45
522,775.44
28,580,403.49
451,070.56
1,323,327.67
7,546,926.98
1,973,703.85
1,747,054.75
263,471.14
9,808,188.60
286,552.04
23,400,295.59
451,108.29
1,323,442.53
7,371,909.93
1,941,175.69
1,747,741.20
263,480.81
10,024,147.53
286,620.23
23,409,626.21
37.73
114.86
(175,017.05)
(32,528.16)
686.45
9.67
215,958.93
68.19
9,330.62
NOV BALANCE
4,523,191.60
NEG BAL
(66,421.64)
BALANCE SHEET ACCOUNTS
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17 INVESTMENTS
18 ASSETS
19
20
21
22
23
24
25
26
27
28
29
30
31
32
34
35
CORE DEPOSIT ANALYSIS
IRA Share Accounts
IRA Certificates of Deposit
Money Manager Gold
Money Manager Savings
Money Manager Checking
SHARE CERTIFICATES
91 Day Certificates
182 Day Certificates
1 Year Certificates
2 Year Certificates
3 Year Certificates
4 Year Certificates
5 Year Certificates
18 Month Certificates
TOTAL CERTIFICATES
UNSECURED LOANS
W/O RECLASS OF NEG BALANCES
BALANCE
4,808,706.42
Page 10
CHANGE
285,514.82
BUDGET MONTH
GOAL
December-14
Growth
Rate
2
3
4
5
6
7
8
9
11
12
13
14
15
16
17
1.7% 18
19
20
21
22
23
309,482.00
1,315,904.00
8,574,944.00
2,219,267.00
1,018,626.00
5,392,113.00
6,651,234.00
807,688.00
26,289,258.00
BUDGET
4,386,788.00
309,482.00
1,315,904.00
8,574,944.00
2,219,267.00
1,018,626.00
5,392,113.00
6,651,234.00
807,688.00
26,289,258.00
GOAL
4,386,788.00
24
25
26
27
28
29
30
31
32
GROWTH
RATE
11.0%
34
35
Operation Overview - Part 1
December 31, 2014
OPERATIONS INFORMATION
1
2
4
4
5
5
6
7
8
9
10
14
15
16
17
18
19
20
September-14
October-14
November-14
December-14
12,325
5,298
3,792
516
252,259
12,388
5,312
3,780
596
327,819
NUMBER OF ACCOUNTS
Regular Share Accounts
Share Draft Accounts
Ultimate Rewards Checking Accounts
Number of Mobile Deposits
Amount of Mobile Deposits
ACCOUNTS OPENED AND CLOSED
Shares OPENED
Shares CLOSED
CHANGE
Share Drafts OPENED
Share Drafts CLOSED
CHANGE
144
112
32
88
64
24
119
121
(2)
77
43
34
110
103
7
68
44
24
130
81
49
61
46
15
NUMBER OF LOANS
Number Signature Loans
Number New Auto Loans
Number Used Auto Loans
Amount Signature Loans
Amount New Auto Loans
Amount Used Auto Loans
6,310
146
56
228
188,741
1,207,828
1,473,400
6,349
173
52
193
337,063
805,474
1,590,515
6,353
135
31
195
200,409
530,029
1,187,597
6,388
161
42
221
186,615
655,303
1,409,895
42,550.50
12,992.58
29,557.92
414,612.15
65,946.25
348,665.90
40,133.43
5,962.78
34,170.65
454,745.58
71,909.03
382,836.55
85,517.08
1,858.96
83,658.12
540,262.66
73,767.99
466,494.67
421,565.78
LOANS CHARGED OFF
Loans Charged Off
Recoveries
NET CHARGE OFF
12,307
5,226
3,815
484
241,995
12,326
5,270
3,797
526
284,383
Recoveries Year to Date
NET CHARGE OFF YEAR TO DATE
27
NET CHARGE OFF Y-T-D PRIOR YEAR
318,909.81
351,290.98
385,814.48
38,358.02
267.85
1,750.00
28,255.00
1,705.00
14,725.00
1,136.00
30,332.00
450.00
2,700.00
38,544.02
186.00
2,750.00
31,005.00
1,085.00
15,810.00
1,482.00
31,814.00
150.00
2,850.00
38,846.97
302.95
2,000.00
33,005.00
1,550.00
17,360.00
2,413.00
34,227.00
150.00
3,000.00
38,686.87
(160.10)
3,750.00
36,755.00
1,240.00
18,600.00
1,219.00
35,446.00
150.00
3,150.00
109,862.50
(4,923.59)
104,938.91
1,753.26
20,598.80
93,472.50
(4,667.61)
88,804.89
1,974.60
22,573.40
88,192.50
(3,097.11)
85,095.39
3,995.92
26,569.32
103,757.50
(4,295.00)
99,462.50
3,388.48
29,957.80
30
31
32
33
34
35
36
37
38
39
40
41
42
41
42
43
44
Credit Life/Disability Billings
Amount of change in Billing
GAP Billings
GAP Billings Year-to-Date
GAP Income
GAP Income Year-to-Date
MBI Billings
MBI Billings Year-to-Date
MBI Income
MBI Income Year-to-Date
OVERDRAFT PRIVILEDGE PERFORMANCE
NSF & ODP Fees Received
NSF& ODP Fees Refunded
Net NSF & ODP Fees
ODP Principal Charged Off
YTD ODP Principal Charged Off
CHARGE OFF TOTALS
Charge off Loans
Transactions from previous loans
Charge off ODP
Total
Total
45,517.08
40,000.00
5,740.18
91,257.26
Page 11-A
Loans
7
2
13
22
General ledger
45,517.08
40,000.00
5,740.18
91,257.26
5
10
Loans Charged Off Year to Date
29
4
8
9
25
26
28
4
7
24
22
23
2
5
6
42,594.64
4,817.76
37,776.88
372,061.65
52,953.67
319,107.98
21
1
Difference
-
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
41
42
43
44
Operations Overview - Part 2
December 31, 2014
OPERATIONS INFORMATION
1
AUDIO RESPONSE CALLS
2
FlexTeller TRANSACTIONS
Transactions on FlexTeller
Visits on TexomaCU.com
September-14
October-14
November-14
December-14
9,643
10,212
9,188
10,618
4,426
39,936
5,098
41,499
4,156
37,642
4,937
41,196
5,118
1,219
6,680
13,017
3,526
2,488
139
254
68
4,639
1,105
4,290
10,034
3,851
2,870
195
254
48
8,048
1,969
1,943
11,960
5,301
3,963
297
332
124
7,181
1,536
1,496
10,213
4,693
3,469
261
222
72
12,609
2,142,630
55,515
30,599
24,916
12,307
1,023,054
57,210
22,658
34,552
7,349
1,720,292
50,635
11,347
39,288
7,478
13,229,767
65,514
9,434
56,080
728
4,094
1,597,338
782
3,972
1,739,431
795
3,823
1,869,472
819
4,429
1,983,784
27
SELECTED FEE INCOME ACCOUNTS
Coin Fee Income
Late Charges
Research Fees
Address Change Fees
Draft Printing Fees
Account Inquiry Fees
Dormant Account Fees
174.52
11,518.67
0.00
375.00
568.00
61.00
1,574.09
184.33
12,315.16
0.00
75.00
199.52
90.00
1,112.08
167.85
9,623.24
0.00
185.00
447.86
73.00
807.54
262.28
10,015.68
0.00
462.00
294.61
99.00
1,311.47
28
CHANGE IN FIXED ASSETS
26,514.96
2,367.04
22,500.39
(13,234.20)
29
e-Statements
10,351
10,191
10,056
10,118
29
30
EDP SECURITY BREACHES
0
0
0
0
30
4
0
247
0
27
6
0
206
0
26
6
0
174
0
29
12
0
181
0
24
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
ATM TRANSACTIONS
Member Transactions at OUR ATM
Foreign Transactions at OUR ATM
Member Transactions at FOREIGN ATMs
TOTAL ATM TRANSACTIONS
97-SPO transactions-Southwest PKWY
96-SAO transactions-Sheppard Access RD
95-6200 Central Freeway- Howmet
94-1501 N. Pacific AVE-Lakeside
93-2236 Airport Dr.- WDS Global
DEBIT CARD TRANSACTIONS
Number of Cards
Dollar Amount of Transactions
Fee Income
Expense
Debit Card net
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
CREDIT CARD STATISTICS
18
19
20
21
22
23
24
25
26
31
32
33
34
35
36
37
38
39
40
Number of Accounts
Total Income
Portfolio Balance
BANK SECURITY ACT COMPLIANCE
Number of CTRs filed this month
Number of SARs filed this month
Number of MIP inquiries this month
Number of MIP hits this month
New False Positive hits this month
Last Training for Board of Directors
Last Training for Staff
Date of Last BSA Audit
Negative Verification of Accounts Audit
DATES ALARMS TESTED
09/04/14
Page 11-B
10/07/14
11/05/14
10/14/14
10/14/14
05/15/14
03/31/13
12/04/14
18
19
20
21
22
23
24
25
26
27
28
31
32
33
34
35
38
39
40
41
42
Operations Overview - Part 3
December 31, 2014
LENDING LIQUIDITY CAPS
1
2
3
4
5
6
7
8
9
10
Loan Risk Concentration Levels
Personal Loans
Direct Auto Loans - Prime
Direct Auto Loans - Subprime
Indirect Auto Loans - Prime
Indirect Auto Loans - Subprime
Recreational Vehicle Loans
Overdraft LOC
First Mortgage RE Loans
Home Equity RE Loans
Recommended Ratio Maximum Balance Present Balance Unused Concentration
85%
9,220,648.19
4,875,128.06
4,345,520.13
350%
37,967,374.90 12,708,048.49
25,259,326.41
50%
5,423,910.70
2,022,231.84
3,401,678.86
475%
51,527,151.65 16,863,113.74
34,664,037.91
25%
2,711,955.35
491,513.74
2,220,441.61
125%
13,559,776.75
6,803,998.60
6,755,778.15
15%
1,627,173.21
670,026.92
957,146.29
325%
35,255,419.55 17,591,725.92
17,663,693.63
150%
16,271,732.10 10,163,720.68
6,108,011.42
75%
8,135,866.05
784,606.73
7,351,259.32
September-14
11
12
OVERDRAFT PROTECTION LIQUIDITY CAPS
5% Net Worth ODP Limit
Amount of ODP Protection Extended
INDIRECT LOANS LIQUIDITY CAPS
Indirect
Indirect
Indirect
Indirect
Indirect
13
14
15
16
17
Loans to Total Assets
Loans to Total Loans
Loans to Total Loans 12 month Avg.
Charge Off to Total Charge Off
Charge off 12 month Avg.
1,030,298.30
95,725.54
October-14
1,053,212.55
62,195.65
November-14
1,053,212.55
92,286.34
<50%
<60%
<60%
<60%
<60%
28.99%
36.27%
38.07%
27.93%
41.52%
MBL Balance
4,009.86
54,925.06
509,840.79
204,255.18
11,575.84
Total Business Loans
784,606.73
Maximum Amount
Available to loan
Max investment at CCFCU
Net Worth
MAX %
Max amount
PTA and CMF
Allowable Tollerance
3
4
5
6
7
8
9
10
1,053,212.55
66,421.64
11
12
Policy
Signature
W/Collateral other than Mortgage
1st Mortgage
Other Real Estate
Non MBL Standards
Net Worth
Limit at MAX% MBA/Net Worth
2
December-14
28.85%
36.45%
37.84%
52.90%
42.70%
28.73%
36.30%
37.59%
78.72%
46.81%
28.93%
36.32%
37.36%
52.38%
49.38%
Policy Limitatons for Business Loans
B1
B2
B3
B4
B5
1
10,847,821.40
30%
3,254,346.42
1,763,705.97
10,847,821.40
300%
32,543,464.20
4,156,997.32
28,386,466.88
Page 11-C
Limitation
4%
5%
14%
5%
2%
30%
Maximum
433,912.86
542,391.07
1,518,695.00
542,391.07
216,956.43
3,254,346.42
Available to Loan
429,903.00
487,466.01
1,008,854.21
338,135.89
205,380.59
1,763,705.97
13
14
15
16
17
Delinquency Report
December 31, 2014
July-14
August-14
September-14
October-14
November-14
December-14
TOTAL LOANS PAST DUE
4
2-6 months
6-12 Months
12 Months and over
TOTAL
5
Total Loans
1
2
3
6
59
12
0
71
423,558
116,638
0
540,196
57
10
0
67
87,237,940
DELINQUENT LOAN RATIO
483,224
89,097
0
572,321
54
9
0
63
87,776,348
0.62%
502,221
78,695
0
580,916
65
7
1
73
88,255,006
0.65%
545,785
49,651
6,925
602,361
61
4
2
67
88,641,823
0.66%
469,637
25,605
25,054
520,296
71
11
2
84
88,476,346
0.68%
0.59%
520,955
87,282
21,969
630,206
1
88,448,641
5
0.71%
2
3
4
6
Loans Participated Out Past Due (included in totals above)
10
2-6 months
6-12 Months
12 Months and over
TOTAL PARTICIPATIONS
11
Total Loans
12
Delinquency Ratio (this category)
7
8
9
0
0
0
0
0
0
0
0
0
0
0
0
110,743
0
0
0
0
0
0
0
0
101,893
0.00%
0
0
0
0
0
0
0
0
96,174
0.00%
0
0
0
0
0
0
0
0
92,704
0.00%
0
0
0
0
0
0
0
0
86,636
0.00%
0.00%
0
0
0
0
10
82,493
11
7
8
9
0.00% 12
REAL ESTATE LOANS PAST DUE (Included in totals above)
16
2-6 months
6-12 Months
12 Months and over
TOTAL RE LOANS
17
Total Loans
18
Delinquency Ratio RE only
Delinquency Ratio RE to total loans
13
14
15
19
1
1
0
2
87,053
17,531
0
104,585
27,609,404
0.38%
0.12%
2
0
0
2
137,132
0
0
137,132
1
0
0
1
27,750,412
87,053
0
0
87,053
27,826,189
0.49%
0.16%
0.31%
0.10%
Page 13
3
0
0
3
152,539
0
0
152,539
27,940,207
0.55%
0.17%
2
0
0
2
106,028
0
0
106,028
27,968,550
0.38%
0.12%
3
0
0
3
189,983
0
0
189,983
13
27,755,447
17
14
15
16
0.684% 18
0.215% 19
Loan Activity Report
December 31, 2014
LOAN ACTIVITY
4
New Money Disbursed
Add On to Existing Loans
Refinance/Other
Total Loan Officer Activity
5
Y-T-D in-house loans approved
1
2
3
Loans
Made
Amount
Loaned
219
459
99
777
$ 2,792,454.62
200,476.98
194,115.65
3,187,047.25
9,288
$ 44,799,990.73
CHANGES IN LOANS:
13
Change
Change
Change
Change
Change
Change
Change
Change
14
Net Change in Loans
6
7
8
9
10
11
12
in
in
in
in
in
in
in
in
New Loans Made
Loans Repaid
$
$
LOAN OFFICER ACTIVITY:
259,650.12
11,264.95
(14,825.38)
(8,315.46)
44,392.70
(257,495.71)
(58,233.04)
(4,143.63)
$
(27,705.45)
$
Loans
Made
$
386,816.93
$
Amount
Loaned
1a
2a
4a
Previous Month
(18,429.22)
(103,556.18)
460,863.58
(6,054.80)
(14,209.85)
128,228.53
(56,555.49)
(3,469.64)
Last Month
Amount
Loaned
(27,705.45)
Last Month
This Month
Loans
Made
$ 3,187,047.25
3,214,752.70
Net Change in Loans
This Month
Unsecured Loans
New Vehicle Loans
Used Vehicle Loans
First Mortgage Loans
Other Real Estate Loans
Other Loans & Lines of Credit
Net Participation Loans
Loan Officer
CHANGES IN LOANS
(18,429.22)
(103,556.18)
460,863.58
(6,054.80)
(14,209.85)
128,228.53
(56,555.49)
(3,469.64)
386,816.93
6
7
8
9
10
11
12
13
14
Previous Month
Loans
Made
Amount
Loaned
84
119
154
87
7
156
82
45
43
$
351,801.52
462,348.87
178,740.92
361,169.79
553,172.50
457,200.29
708,202.52
16,961.24
97,449.60
92
111
130
85
9
132
64
47
16
$
218,382.12
401,702.24
294,513.12
512,249.56
349,836.78
80,545.38
576,450.50
38,683.30
22,166.76
81
129
167
104
7
116
91
62
24
$
493,263.12
380,183.63
398,743.09
556,278.39
407,992.00
19,433.24
1,119,508.58
90,480.82
177,228.18
15
23
Cale, Thomas
Reed, Jackie
Wood, Clint
Ellis, Suzanne
Taylor, Linda
Beaver, Aganetha
Indirect Lending
Thomason, Ken
Other
24
Total
777
$ 3,187,047.25
686
$ 2,494,529.76
781
$ 3,643,111.05
24
15
16
17
18
19
20
21
22
LOAN OFFICER ACTIVITY:
YTD 2014
YTD 2013
Same Month
Loans
Amount
Made
Loaned
Loans
Made
Amount
Loaned
16
17
18
19
20
21
22
23
Total 2013
Loan Officer
Loans
Made
Amount
Loaned
1,149
1,300
1,714
1,045
94
1,775
905
613
693
$ 5,761,632.10
4,908,576.23
3,980,933.08
5,882,650.65
5,804,682.14
4,576,072.00
9,958,476.39
459,960.42
3,467,007.73
966
1,473
1,689
1,048
106
1,416
1,142
698
1,185
$
$
$
$
$
$
$
$
$
5,198,455.98
4,797,631.94
4,653,080.27
5,116,422.49
7,157,041.37
2,491,274.52
11,317,031.65
830,484.96
5,707,250.87
966
1,473
1,689
1,048
106
1,416
1,142
698
1,185
$ 5,198,455.98
4,797,631.94
4,653,080.27
5,116,422.49
7,157,041.37
2,491,274.52
11,317,031.65
830,484.96
5,707,250.87
25
33
Cale, Thomas
Reed, Jackie
Wood, Clint
Ellis, Suzanne
Taylor, Linda
Beaver, Aganetha
Indirect Lending
Thomason, Ken
Other
34
Total
9,288
$ 44,799,990.73
9,723
$ 47,268,674.05
9,723
$ 47,268,674.05
34
25
26
27
28
29
30
31
32
Page 19
26
27
28
29
30
31
32
33
Teller Outages
December 31, 2014
Teller
ID
Outages
This Month
Short
Over
Net
Outages
Year-To-Date
Short
Over
Net
SHEPPARD OFFICE
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
SHANNA LONG
KAITLYNN PICKREL
ADAM WEATHERLY
JULIE CORDOVA
CAMI KOETTER
MEGAN COVERT
TAWNI HARGIS
HANNAH BLASDEL
MYRANDA HERNANDEZ
MAEGAN HONEYCUTT
RACHEL ZUNIGA
SHAWNA PAPENTHIEN
VICTORIA KLOEPPER
SHEENA LERMA
LUISMARI KINSEY
TAYLOR HOVEY
PAM SHIMM
GLADYS LOPEZ
JOEY FINO
0
CoinMax Machine
Branch Reserve Vault
11
14
113
114
115
116
119
19
120
27
121
34
36
37
118
123
124
125
126
0
92
90
23 SHEPPARD OFFICE TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
0
0
0
2
2
0
4
3
8
0
0
0
0
9
1
0
0
0
0
2
0
0.00
0.00
0.00
0.00
1,320.94
18.00
0.00
197.16
118.00
259.15
0.00
0.00
0.00
0.00
85.61
10.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1,240.94
0.00
0.00
0.00
20.00
9.00
0.00
0.00
0.00
0.00
70.00
0.00
0.00
0.00
0.00
0.00
259.39
0.00
0.00
0.00
0.00
0.00
80.00
18.00
0.00
197.16
98.00
250.15
0.00
0.00
0.00
0.00
15.61
10.00
0.00
0.00
0.00
0.00
(259.39)
0.00
0
0.00
0.00
0.00
31
2,008.86
1,599.33
409.53
23
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
20.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
20.00
0.00
0.00
0.00
0
2
1
0
0
0
0
2
0
1
5
0
0
0
0
0
4
6
4
0
0
0.00
60.00
0.00
0.00
0.00
0.00
0.00
50.00
0.00
0.00
5.00
0.00
0.00
0.00
0.00
0.00
30.00
100.00
198.07
0.00
0.00
0.00
0.00
100.00
0.00
0.00
0.00
0.00
50.00
0.00
4.91
39.95
0.00
0.00
0.00
0.00
0.00
41.01
70.00
5.50
0.00
0.00
0.00
60.00
(100.00)
0.00
0.00
0.00
0.00
0.00
0.00
(4.91)
(34.95)
0.00
0.00
0.00
0.00
0.00
(11.01)
30.00
192.57
0.00
0.00
24
1
20.00
0.00
20.00
25
443.07
311.37
131.70
45
1
20.00
0.00
20.00
56
2,451.93
1,910.70
541.23
0
1
0
0
0.00
0.00
0.00
0.00
0.00
200.00
0.00
0.00
7
2
6
8
30.00
20.00
50.00
640.00
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
SOUTHWEST PARKWAY OFFICE
24 SHANNA LONG
25 KAITLYNN PICKREL
26 ADAM WEATHERLY
27 JULIE CORDOVA
28 CAMI KOETTER
29 MEGAN COVERT
30 TAWNI HARGIS
31 HANNAH BLASDEL
32 MYRANDA HERNANDEZ
33 MAEGAN HONEYCUTT
34 RACHAEL ZUNIGA
35 SHAWNA PAPENTHIEN
36 VICTORIA KLOEPPER
37 SHEENA LERMA
38 LUISMARI KINSEY
39 TAYLOR HOVEY
40 PAM SHIMM
41 GLADYS LOPEZ
42 JOEY FINO
43
0
44 Branch Vault
11
14
113
114
115
116
119
19
120
27
121
34
36
37
118
123
124
125
126
0
98
45 SW PARKWAY OFFICE TOTAL
TOTAL TELLER OUTAGES
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
ATM CASH DIFFERENCES
46 WDS GLOBAL ATM TELLER 93
47 LAKESIDE ATM TELLER
48 HOWMET ATM TELLER
49 SAO ATM TELLER
94
95
96
Page 20
0.00
(200.00)
0.00
0.00
50.00
(20.00)
200.00
(180.00)
50.00
0.00
2,080.00 (1,440.00)
46
47
48
49

Year End Financials - Texoma Community Credit Union

Transcription

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