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National Credit Union Service Organization

AMARILLO 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 AMARILLO COMMUNITY FEDERAL CREDIT UNION as of: December 31, 2021.
Charter Number: 5168

ASSETS$ Amount
CASH:  
 1. Cash on Hand 3,041,089
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 1,108,941
 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 46,629,190
 7. Held-to-Maturity Debt Securities 96
 8. Deposits in commercial banks, S&Ls, savings banks 2,833,019
 9. Loans to and investments in natural person credit unions 0
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 412,552
 12. All other investments in corporate credit unions 0
 13. All other investments 107,266
 14. TOTAL INVESTMENTS 49,982,123
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 215,320,011
 17. Less: Allowance for Loan & Lease Losses 217,004
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 24,000
 20. Land and Building 6,110,336
 21. Other Fixed Assets 1,661,072
 22. NCUA Share Insurance Capitalization Deposit 2,520,419
 23. Intangible Assets 0
 24. Other Assets 18,198,299
25. TOTAL ASSETS 297,749,286
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 112,080
 9. Accounts Payable and Other Liabilities 3,092,825
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 46,295,275
 12. Regular Shares 123,221,502
 13. Money Market Shares 24,750,028
 14. Share Certificates 55,434,831
 15. IRA/KEOGH Accounts 20,563,220
 16. All Other Shares 0
 17. TOTAL SHARES 270,264,856
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 270,264,856
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) 36,518,760
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 7,900,726
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 0
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 366,251
EQUITY:  
 33. Undivided Earnings 22,658,892
 34. Regular Reserves 2,038,845
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 700,000
 37. Equity Acquired in Merger 26,838
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) -753,392
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -391,658
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 297,749,286
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 7,158,402
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 481,445
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 7,639,847
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 1,354,617
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 392
 9. TOTAL INTEREST EXPENSE 1,355,009
 10. Provision for Loan & Lease Losses 73,076
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 6,211,762
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 2,401,546
 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 -16,477
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 620,873
 21. TOTAL NON-INTEREST INCOME 5,312,283
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 5,264,083
 23. Travel and Conference Expense 100,852
 24. Office Occupancy Expense 778,547
 25. Office Operations Expense 1,698,442
 26. Educational and Promotional Expenses 197,447
 27. Loan Servicing Expense 283,138
 28. Professional and Outside Services 1,098,045
 29. Total Member Insurance 17,486
 30. Operating Fees (Examination and/or supervision fees) 55,434
 31. Miscellaneous Operating Expenses 141,916
 32. TOTAL NON-INTEREST EXPENSE 9,635,390
33. NET INCOME (LOSS) 1,888,655
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 Loans0.000$0
 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 loans14.046,190$5,609,663
 5. New Vehicle Loans3.284,439$36,733,258
 6. Used Vehicle Loans4.1615,190$115,403,194
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit4.831,225$9,701,990
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property5.67165$25,482,066
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property5.14501$22,389,840
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured0.000$0
 13. Commercial Loans/Lines of Credit Not Real Estate Secured0.000$0
 14. TOTAL LOANS & LEASES27,710$215,320,011
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date33,028$123,985,671
  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 Staff19$361,987
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