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 C E S CREDIT UNION as of: December 31, 2023.
Charter Number: 62352
ASSETS | $ Amount |
---|---|
CASH: | |
1. Cash on Hand | 4,329,744 |
2. Cash on Deposit (Amounts Deposited in Financial Institutions) | 9,805,750 |
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 | 12,993,593 |
7. Held-to-Maturity Debt Securities | 15,936,000 |
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 | 911,185 |
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 | 121,712,781 |
17. Less: Allowance for Loan & Lease Losses | 0 |
18: Less: Allowance for Credit Losses on Loans & Leases | 436,831 |
OTHER ASSETS: | |
19. Foreclosed and Repossessed Assets | 0 |
20. Land and Building | 1,926,589 |
21. Other Fixed Assets | 252,015 |
22. NCUA Share Insurance Capitalization Deposit | 1,895,056 |
23. Intangible Assets | 0 |
24. Other Assets | 0 |
25. TOTAL ASSETS | 214,514,328 |
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 | 0 |
9. Accounts Payable and Other Liabilities | 2,200,720 |
10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures | 0 |
SHARES/DEPOSITS: | |
11. Share Drafts | 52,395,332 |
12. Regular Shares | 100,896,585 |
13. Money Market Shares | 10,918,688 |
14. Share Certificates | 19,463,213 |
15. IRA/KEOGH Accounts | 7,046,868 |
16. All Other Shares | 0 |
17. TOTAL SHARES | 190,720,686 |
18. Nonmember Deposits | 0 |
19. TOTAL SHARES AND DEPOSITS | 190,720,686 |
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) | 6,437,948 |
29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 | 1,317,604 |
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 | 7,712,671 |
32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit | 43,353 |
EQUITY: | |
33. Undivided Earnings | 20,431,439 |
34. Regular Reserves | 0 |
35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) | 0 |
36. Other Reserves.(Appropriations of Undivided Earnings) | 2,102,834 |
37. Equity Acquired in Merger | 105,056 |
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 | -1,046,407 |
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 | 214,514,328 |
Statement of Income & Expense | $ Amount |
---|---|
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE | |
1. Interest on Loans (Gross-before interest refunds) | 5,823,206 |
2. (Less) Interest Refunded | 0 |
3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) | 1,379,250 |
4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities | 0 |
5. TOTAL INTEREST INCOME | 7,202,456 |
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE | |
6. Dividends on Shares (Includes dividends earned during current period) | 472,008 |
7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) | 0 |
8. Interest on Borrowed Money | 6,055 |
9. TOTAL INTEREST EXPENSE | 478,063 |
10. Provision for Loan & Lease Losses | 0 |
11. Total Credit Loss Expense | 184,525 |
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 | 1,401,394 |
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 | 0 |
19. Gain from Bargain Purchase (Merger) | 0 |
20. Other Non-operating Income (Expense) | 0 |
21. TOTAL NON-INTEREST INCOME | 3,122,644 |
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE | |
22. Total Employee Compensation and Benefits | 3,855,491 |
23. Travel and Conference Expense | 68,032 |
24. Office Occupancy Expense | 346,304 |
25. Office Operations Expense | 1,534,845 |
26. Educational and Promotional Expenses | 243,156 |
27. Loan Servicing Expense | 322,156 |
28. Professional and Outside Services | 690,182 |
29. Total Member Insurance | 0 |
30. Operating Fees (Examination and/or supervision fees) | 46,207 |
31. Miscellaneous Operating Expenses | 112,174 |
32. TOTAL NON-INTEREST EXPENSE | 7,218,547 |
33. NET INCOME (LOSS) | 2,443,965 |
RESERVE TRANSFERS YEAR-TO-DATE FOR THE CYCLE | |
34. Transfer to Regular Reserves | 0 |
Interest Rate | # Loans | Amount | |
---|---|---|---|
Non-Commercial Loans/Lines of Credit | |||
1. Unsecured Credit Card Loans | 7.99 | 3,454 | $5,776,555 |
2. Payday Alternative Loans (PALs I and PALs II) | 0.00 | 0 | $0 |
3. Non-Federally Guaranteed Student Loans | 0.00 | 0 | $0 |
4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans | 7.74 | 1,192 | $3,243,198 |
5. New Vehicle Loans | 6.99 | 760 | $20,424,304 |
6. Used Vehicle Loans | 6.74 | 2,634 | $36,899,499 |
7. Leases Receivable | 0.00 | 0 | $0 |
8. All Other Secured Non-Real Estate Loans/Lines of Credit | 2.50 | 434 | $6,588,908 |
9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property | 8.75 | 603 | $44,938,532 |
10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property | 8.5 | 156 | $3,730,859 |
11. All Other Real Estate Loans/Lines of Credit | 0.00 | 0 | $0 |
Commercial Loans / Lines of Credit | |||
12. Commercial Loans/Lines of Credit Real Estate Secured | 0.00 | 0 | $0 |
13. Commercial Loans/Lines of Credit Not Real Estate Secured | 7.99 | 1 | $110,926 |
14. TOTAL LOANS & LEASES | 9,234 | $121,712,781 | |
YEAR-TO-DATE LOAN INFORMATION | Number | Amount | |
15. Loans Granted Year-to-Date | 2,259 | $44,407,485 | |
a. Payday Alternative Loans (PALs I and PALs II) Granted Year-to-Date | 0 | $0 | |
MISCELLANEOUS LOAN INFORMATION | Number | Amount | |
16. Non-Federally Guaranteed Student Loans in Deferred Status | 0 | $0 | |
17. Loans Outstanding to Credit Union Officials and Senior Executive Staff | 22 | $624,205 | |
GOVERNMENT GUARANTEED LOANS | Number | Outstanding Balance | Guaranteed Portion |
18. Non-Commercial Loans | |||
a. 1. Small Business Administration | 0 | $0 | $0 |
a. 2. Paycheck Protection Program Loans (Included in 18.a.1.) | 0 | $0 | - |
b. Other Government Guaranteed | 11 | $34,630 | $33,591 |
19. Commercial Loans | |||
a. Small Business Administration | 0 | $0 | $0 |
b. Other Government Guaranteed | 0 | $0 | $0 |