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National Credit Union Service Organization

FIBRE 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 FIBRE FEDERAL CREDIT UNION as of: March 31, 2021.
Charter Number: 2191

ASSETS$ Amount
CASH:  
 1. Cash on Hand 16,513,041
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 398,037,935
 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 124,084,236
 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 250,000
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 0
 12. All other investments in corporate credit unions 0
 13. All other investments 1,700,200
 14. TOTAL INVESTMENTS 126,034,436
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 881,132
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 887,826,932
 17. Less: Allowance for Loan & Lease Losses 3,878,594
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 223,259
 20. Land and Building 39,673,887
 21. Other Fixed Assets 4,552,871
 22. NCUA Share Insurance Capitalization Deposit 11,612,445
 23. Intangible Assets 3,794,553
 24. Other Assets 40,119,555
25. TOTAL ASSETS 1,525,391,452
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 1,203
 9. Accounts Payable and Other Liabilities 19,767,543
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 387,075,483
 12. Regular Shares 609,828,950
 13. Money Market Shares 174,843,909
 14. Share Certificates 115,172,704
 15. IRA/KEOGH Accounts 52,013,965
 16. All Other Shares 0
 17. TOTAL SHARES 1,338,935,011
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 1,338,935,011
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 728,473
 22. Accounts Held by Nonmember Public Units 0
 23. Employee Benefit Member Shares 648,219
 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) 42,014,666
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 17,831,342
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 155,214,617
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 186,666
EQUITY:  
 33. Undivided Earnings 154,397,166
 34. Regular Reserves 13,190,520
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) -1,821,131
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 921,140
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 1,525,391,452
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 8,885,658
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 473,484
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 9,359,142
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 871,112
 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 871,112
 10. Provision for Loan & Lease Losses -6,168
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 8,494,198
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 3,809,843
 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 11,630
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 4,919,704
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 6,504,535
 23. Travel and Conference Expense 66,164
 24. Office Occupancy Expense 616,021
 25. Office Operations Expense 1,140,774
 26. Educational and Promotional Expenses 176,716
 27. Loan Servicing Expense 385,640
 28. Professional and Outside Services 1,160,955
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 68,263
 31. Miscellaneous Operating Expenses 648,463
 32. TOTAL NON-INTEREST EXPENSE 10,767,531
33. NET INCOME (LOSS) 2,646,371
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 Loans8.9022,321$28,520,217
 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 loans9.247,780$45,628,066
 5. New Vehicle Loans3.494,420$96,058,272
 6. Used Vehicle Loans3.4916,691$235,524,027
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit5.492,599$54,967,348
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property2.722,472$277,926,563
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property4.741,226$40,295,268
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.26254$105,044,454
 13. Commercial Loans/Lines of Credit Not Real Estate Secured5.12486$3,862,717
 14. TOTAL LOANS & LEASES58,249$887,826,932
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date3,918$122,871,894
  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 Staff76$3,356,141
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration368$19,998,901$0
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)368$19,998,901-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration0$0$0
  b. Other Government Guaranteed0$0$0