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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: March 31, 2021.
Charter Number: 19510

ASSETS$ Amount
CASH:  
 1. Cash on Hand 5,524,361
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 30,121,826
 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 93,490,166
 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 110,300
 14. TOTAL INVESTMENTS 94,550,028
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 234,769,874
 17. Less: Allowance for Loan & Lease Losses 2,131,789
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 64,000
 20. Land and Building 5,684,188
 21. Other Fixed Assets 691,393
 22. NCUA Share Insurance Capitalization Deposit 3,012,607
 23. Intangible Assets 0
 24. Other Assets 4,591,256
25. TOTAL ASSETS 376,877,744
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 60,697
 9. Accounts Payable and Other Liabilities 2,714,189
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 65,715,604
 12. Regular Shares 154,778,596
 13. Money Market Shares 34,759,157
 14. Share Certificates 60,600,340
 15. IRA/KEOGH Accounts 24,120,648
 16. All Other Shares 368,012
 17. TOTAL SHARES 340,342,357
 18. Nonmember Deposits 2,953,000
 19. TOTAL SHARES AND DEPOSITS 343,295,357
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 497,118
 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 339,914
 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) 24,489,914
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 7,261,073
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 8,188,060
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 57,942
EQUITY:  
 33. Undivided Earnings 28,575,611
 34. Regular Reserves 2,116,932
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 114,958
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 376,877,744
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 2,729,900
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 207,448
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 2,937,348
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 422,762
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 0
 9. TOTAL INTEREST EXPENSE 422,762
 10. Provision for Loan & Lease Losses 105,000
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 2,409,586
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 274,262
 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 -3,000
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 879,325
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 1,398,136
 23. Travel and Conference Expense 21,535
 24. Office Occupancy Expense 121,455
 25. Office Operations Expense 490,610
 26. Educational and Promotional Expenses 52,505
 27. Loan Servicing Expense 150,934
 28. Professional and Outside Services 283,081
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 19,251
 31. Miscellaneous Operating Expenses -12,453
 32. TOTAL NON-INTEREST EXPENSE 2,525,054
33. NET INCOME (LOSS) 763,857
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 Loans11.903,844$5,187,895
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans6.00237$7,642,849
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans8.001,724$6,646,133
 5. New Vehicle Loans3.25954$17,921,639
 6. Used Vehicle Loans3.255,398$57,371,788
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit3.30177$2,084,977
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property4.001,136$102,149,680
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property3.25422$12,428,205
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.2591$22,867,658
 13. Commercial Loans/Lines of Credit Not Real Estate Secured10.9010$469,050
 14. TOTAL LOANS & LEASES13,993$234,769,874
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date1,092$30,202,793
  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 Status117$3,625,873
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff39$1,677,800
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