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National Credit Union Service Organization

FIRST PEOPLES COMMUNITY 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 FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION as of: June 30, 2021.
Charter Number: 13345

ASSETS$ Amount
CASH:  
 1. Cash on Hand 9,185,497
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 143,388,120
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 0
INVESTMENTS:  
 4. Equity Securities 7,009,227
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 3,263,980
 7. Held-to-Maturity Debt Securities 248,000
 8. Deposits in commercial banks, S&Ls, savings banks 0
 9. Loans to and investments in natural person credit unions 496,000
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 56,927
 12. All other investments in corporate credit unions 0
 13. All other investments 819,600
 14. TOTAL INVESTMENTS 11,893,734
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 3,118,957
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 400,224,630
 17. Less: Allowance for Loan & Lease Losses 5,561,750
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 1,419,629
 20. Land and Building 11,426,995
 21. Other Fixed Assets 2,860,260
 22. NCUA Share Insurance Capitalization Deposit 4,321,520
 23. Intangible Assets 0
 24. Other Assets 2,434,775
25. TOTAL ASSETS 584,712,367
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 12,995,000
 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 12,995,000
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 293,438
 9. Accounts Payable and Other Liabilities 7,003,614
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 116,291,119
 12. Regular Shares 268,525,434
 13. Money Market Shares 12,309,783
 14. Share Certificates 90,184,111
 15. IRA/KEOGH Accounts 15,303,898
 16. All Other Shares 0
 17. TOTAL SHARES 502,614,345
 18. Nonmember Deposits 250,000
 19. TOTAL SHARES AND DEPOSITS 502,864,345
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 719,575
 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 333,065
 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) 34,051,013
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 5,331,387
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 67,158,459
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 40,609
EQUITY:  
 33. Undivided Earnings 57,127,815
 34. Regular Reserves 3,836,917
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 607,258
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -16,020
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 584,712,367
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 7,940,634
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 107,012
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 8,047,646
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 1,631,719
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 187,790
 9. TOTAL INTEREST EXPENSE 1,819,509
 10. Provision for Loan & Lease Losses 590,000
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 5,638,137
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 2,718,578
 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 11,350
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 16,010
 21. TOTAL NON-INTEREST INCOME 4,391,022
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 5,035,151
 23. Travel and Conference Expense 22,699
 24. Office Occupancy Expense 474,871
 25. Office Operations Expense 1,833,506
 26. Educational and Promotional Expenses 158,606
 27. Loan Servicing Expense 383,858
 28. Professional and Outside Services 360,893
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 57,620
 31. Miscellaneous Operating Expenses 138,520
 32. TOTAL NON-INTEREST EXPENSE 8,465,724
33. NET INCOME (LOSS) 1,563,435
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 Loans9.103,735$4,842,351
 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 loans3.992,039$17,487,955
 5. New Vehicle Loans3.25973$20,543,564
 6. Used Vehicle Loans2.503,087$44,488,880
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit5.11698$20,072,099
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.251,833$147,851,453
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property3963$55,998,877
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.81232$84,805,966
 13. Commercial Loans/Lines of Credit Not Real Estate Secured4.8582$4,133,485
 14. TOTAL LOANS & LEASES13,642$400,224,630
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date1,981$96,017,545
  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 Staff75$6,359,897
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration175$10,322,102$10,322,102
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)175$10,322,102-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration0$0$0
  b. Other Government Guaranteed0$0$0