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National Credit Union Service Organization

SAN ANTONIO CITIZENS FEDERAL CREDIT UNION
— Statement of Financial Condition

Then NCUA provides quarterly Call Reports using accounting and statistical information from each credit union. The Call Report includes Balance Sheet, Income Statement and more.

Statement of financial condition for SAN ANTONIO CITIZENS FEDERAL CREDIT UNION as of: December 31, 2021.
Charter Number: 10699

ASSETS$ Amount
CASH:  
 1. Cash on Hand 2,512,734
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 35,655,087
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 0
INVESTMENTS:  
 4. Equity Securities 0
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 162,966,205
 7. Held-to-Maturity Debt Securities 0
 8. Deposits in commercial banks, S&Ls, savings banks 248,000
 9. Loans to and investments in natural person credit unions 744,000
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 900,000
 12. All other investments in corporate credit unions 0
 13. All other investments 139,000
 14. TOTAL INVESTMENTS 164,997,205
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 538,100
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 125,232,110
 17. Less: Allowance for Loan & Lease Losses 1,805,847
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 33,085
 20. Land and Building 9,976,984
 21. Other Fixed Assets 1,509,005
 22. NCUA Share Insurance Capitalization Deposit 2,667,719
 23. Intangible Assets 0
 24. Other Assets 6,242,190
25. TOTAL ASSETS 347,558,372
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 0
 2. Other Notes, Promissory Notes and Interest Payable 0
 3. Borrowing Repurchase Transactions 0
 4. Subordinated Debt 0
 5. Subordinated Debt included in Net Worth 0
 6. TOTALS 0
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 22,683
 9. Accounts Payable and Other Liabilities 1,230,802
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 83,042,714
 12. Regular Shares 146,083,107
 13. Money Market Shares 45,584,608
 14. Share Certificates 30,264,302
 15. IRA/KEOGH Accounts 15,103,136
 16. All Other Shares 284,777
 17. TOTAL SHARES 320,362,644
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 320,362,644
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 0
 22. Accounts Held by Nonmember Public Units 0
 23. Employee Benefit Member Shares 0
 24. Employee Benefit Nonmember Shares 0
 25. 529 Plan Member Deposits 0
 26. Non-dollar denominated deposits 0
 27. Health Savings Account 0
 28. Dollar Amount of Share Certificates equal to or greater than $100,000 (Excluding brokered share certificates participated out by the broker in shares of less than $100,000) 11,876,512
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 2,778,117
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 61,456,867
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 46,635
EQUITY:  
 33. Undivided Earnings 26,158,558
 34. Regular Reserves 1,432,703
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -1,649,018
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 347,558,372
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 5,456,846
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 1,394,358
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 6,851,204
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 616,887
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 6
 9. TOTAL INTEREST EXPENSE 616,893
 10. Provision for Loan & Lease Losses -400,906
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 6,635,217
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 1,001,805
 14. Other Operating Income (Includes unconsolidated CUSO Income and Gain (Loss) associated with the Hedged Item (NonInvestment Assets) in a Non-Trading, Fair Value (FV) Derivatives Hedge) 0
 15. Gain (Loss) on Equity Securities (DO NOT include Gain (Loss) on other securities) 0
 16. Gain (Loss) on Other Securities (DO NOT include Gain or Loss on Equity Securities) 0
 17. Gain (Loss) on Non-Trading Derivatives 0
 18. Gain (Loss) on Disposition of Fixed Assets 531,787
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 4,449,320
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 3,912,666
 23. Travel and Conference Expense 26,329
 24. Office Occupancy Expense 495,324
 25. Office Operations Expense 906,781
 26. Educational and Promotional Expenses 221,517
 27. Loan Servicing Expense 452,251
 28. Professional and Outside Services 1,513,249
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 53,480
 31. Miscellaneous Operating Expenses 93,812
 32. TOTAL NON-INTEREST EXPENSE 7,675,409
33. NET INCOME (LOSS) 3,409,128
RESERVE TRANSFERS YEAR-TO-DATE FOR THE CYCLE  
 34. Transfer to Regular Reserves 0
Interest Rate# LoansAmount
Non-Commercial Loans/Lines of Credit
 1. Unsecured Credit Card Loans9.103,471$5,223,696
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans0.000$0
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans8.28490$5,132,704
 5. New Vehicle Loans3.39502$11,698,254
 6. Used Vehicle Loans4.041,918$29,431,082
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit5.74490$8,222,792
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.70450$45,513,766
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property4.6140$1,488,279
 11. All Other Real Estate Loans/Lines of Credit6.2259$4,577,283
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured5.4151$12,065,403
 13. Commercial Loans/Lines of Credit Not Real Estate Secured4.67102$1,878,851
 14. TOTAL LOANS & LEASES7,573$125,232,110
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date2,396$94,145,868
  a. Payday Alternative Loans (PALs I and PALs II) Granted Year-to-Date0$0
MISCELLANEOUS LOAN INFORMATIONNumberAmount
 16. Non-Federally Guaranteed Student Loans in Deferred Status0$0
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff47$2,926,517
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration39$1,185,000$1,185,000
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)39$1,185,000-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration0$0$0
  b. Other Government Guaranteed0$0$0