Year End Financials - Texoma Community Credit Union
Transcription
Year End Financials - Texoma Community Credit Union
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 TEXOMA COMMUNITY CREDIT UNION Post Closing 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 $ 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 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 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 TEXOMA COMMUNITY CREDIT UNION 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 Cash and Cash Equivalents 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 TEXOMA COMMUNITY CREDIT UNION 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 TEXOMA COMMUNITY CREDIT UNION 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 TEXOMA COMMUNITY CREDIT UNION Balance Sheet Overview December 31, 2014 BASE December-13 November-14 December-14 CHANGE LOANS Unsecured Loans New Vehicle Loans Used Vehicle Loans Member Business Loans First Mortgage Loans Other Real Estate Loans Other Loans & Lines of Credit Net Loan Participations 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 Individual Retirement Accounts Share Certificates Escrow & Special Savings TOTAL SHARES AND DEPOSITS 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 TEXOMA COMMUNITY CREDIT UNION 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 TEXOMA COMMUNITY CREDIT UNION 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 TEXOMA COMMUNITY CREDIT UNION 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 Member Business 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 TEXOMA COMMUNITY CREDIT UNION 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 TEXOMA COMMUNITY CREDIT UNION 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 Member Business 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 TEXOMA COMMUNITY CREDIT UNION 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