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National Credit Union Service Organization

LISTERHILL 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 LISTERHILL CREDIT UNION as of: December 31, 2023.
Charter Number: 63057

ASSETS$ Amount
CASH:  
 1. Cash on Hand 39,514,828
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 101,447,389
 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 103,460,937
 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 219,223
 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 972,624
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 1,089,286,720
 17. Less: Allowance for Loan & Lease Losses 0
 18: Less: Allowance for Credit Losses on Loans & Leases 7,639,442
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 348,702
 20. Land and Building 31,891,590
 21. Other Fixed Assets 1,556,268
 22. NCUA Share Insurance Capitalization Deposit 11,364,482
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 1,402,871,966
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 40,000,000
 5. Subordinated Debt included in Net Worth 40,000,000
 6. TOTALS 40,000,000
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 1
 9. Accounts Payable and Other Liabilities 6,348,207
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 277,386,687
 12. Regular Shares 389,471,296
 13. Money Market Shares 76,163,691
 14. Share Certificates 424,314,677
 15. IRA/KEOGH Accounts 100,077,205
 16. All Other Shares 0
 17. TOTAL SHARES 1,267,413,557
 18. Nonmember Deposits 6,056,000
 19. TOTAL SHARES AND DEPOSITS 1,273,469,557
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) 253,090,187
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 31,840,494
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 6,340,119
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 434,941
EQUITY:  
 33. Undivided Earnings 102,567,632
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 2,469,458
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) -11,640,730
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -10,342,159
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 1,402,871,966
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 56,039,403
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 3,772,171
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 59,811,574
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 1,107,911
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 17,888,336
 8. Interest on Borrowed Money 3,452,557
 9. TOTAL INTEREST EXPENSE 22,448,804
 10. Provision for Loan & Lease Losses 0
 11. Total Credit Loss Expense 3,784,653
 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 9,647,936
 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 19,102
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 22,244,240
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 30,477,752
 23. Travel and Conference Expense 600,556
 24. Office Occupancy Expense 2,353,325
 25. Office Operations Expense 16,761,774
 26. Educational and Promotional Expenses 952,494
 27. Loan Servicing Expense 1,147,501
 28. Professional and Outside Services 3,477,043
 29. Total Member Insurance 80,747
 30. Operating Fees (Examination and/or supervision fees) 150,098
 31. Miscellaneous Operating Expenses 1,826,625
 32. TOTAL NON-INTEREST EXPENSE 57,827,915
33. NET INCOME (LOSS) -2,005,558
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 Loans11.9419,191$43,257,745
 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 loans12.8212,567$40,230,441
 5. New Vehicle Loans10.431,614$36,963,689
 6. Used Vehicle Loans8.2713,257$187,939,561
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit7.926,478$95,422,122
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property4.533,248$400,129,862
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property4.87404$17,188,522
 11. All Other Real Estate Loans/Lines of Credit5.00550$11,818,387
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.95333$246,865,976
 13. Commercial Loans/Lines of Credit Not Real Estate Secured4.23228$9,470,413
 14. TOTAL LOANS & LEASES57,870$1,089,286,718
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date13,122$309,247,236
  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 Staff11$354,139
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