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National Credit Union Service Organization

LEBANON 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 LEBANON FEDERAL CREDIT UNION as of: December 31, 2023.
Charter Number: 19510

ASSETS$ Amount
CASH:  
 1. Cash on Hand 4,020,313
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 36,703,192
 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 72,818,526
 7. Held-to-Maturity Debt Securities 0
 8. Deposits in commercial banks, S&Ls, savings banks 0
 9. Loans to and investments in natural person credit unions 0
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 949,562
 12. All other investments in corporate credit unions 0
 13. All other investments 0
 14. TOTAL INVESTMENTS 0
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 339,879,929
 17. Less: Allowance for Loan & Lease Losses 0
 18: Less: Allowance for Credit Losses on Loans & Leases 3,189,469
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 84,800
 20. Land and Building 6,770,592
 21. Other Fixed Assets 1,599,400
 22. NCUA Share Insurance Capitalization Deposit 4,024,152
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 469,555,334
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 361,266
 9. Accounts Payable and Other Liabilities 6,656,848
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 70,499,851
 12. Regular Shares 149,296,573
 13. Money Market Shares 28,032,925
 14. Share Certificates 148,673,293
 15. IRA/KEOGH Accounts 29,877,152
 16. All Other Shares 377,081
 17. TOTAL SHARES 426,756,875
 18. Nonmember Deposits 7,436,000
 19. TOTAL SHARES AND DEPOSITS 434,192,875
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 367,565
 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) 65,882,197
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 10,617,026
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 17,853,965
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 108,668
EQUITY:  
 33. Undivided Earnings 42,828,087
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -14,483,742
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 469,555,334
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 17,752,735
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 2,383,864
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 20,136,599
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 5,693,265
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 14,860
 9. TOTAL INTEREST EXPENSE 5,708,125
 10. Provision for Loan & Lease Losses 0
 11. Total Credit Loss Expense 1,410,000
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 0
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 1,817,652
 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 -29,603
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 4,509,201
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 7,199,774
 23. Travel and Conference Expense 116,959
 24. Office Occupancy Expense 631,654
 25. Office Operations Expense 2,771,796
 26. Educational and Promotional Expenses 365,636
 27. Loan Servicing Expense 940,424
 28. Professional and Outside Services 1,439,490
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 65,023
 31. Miscellaneous Operating Expenses 115,225
 32. TOTAL NON-INTEREST EXPENSE 13,645,981
33. NET INCOME (LOSS) 3,881,694
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 Loans17.403,866$6,739,053
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans6.75287$9,598,947
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans17.752,274$9,600,866
 5. New Vehicle Loans8.75816$16,203,136
 6. Used Vehicle Loans9.256,177$83,818,132
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit12.90678$2,707,181
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property8.001,308$140,489,273
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property8.5652$25,750,222
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured8.75143$43,502,075
 13. Commercial Loans/Lines of Credit Not Real Estate Secured12.5039$1,471,044
 14. TOTAL LOANS & LEASES16,240$339,879,929
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date4,410$125,932,467
  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 Staff31$1,777,989
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration0$0$0
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)0$0-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration0$0$0
  b. Other Government Guaranteed0$0$0