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National Credit Union Service Organization

1ST 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 1ST COMMUNITY FEDERAL CREDIT UNION as of: December 31, 2021.
Charter Number: 8715

ASSETS$ Amount
CASH:  
 1. Cash on Hand 2,950,469
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 40,389,980
 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 40,878,212
 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 422,712
 12. All other investments in corporate credit unions 0
 13. All other investments 318,400
 14. TOTAL INVESTMENTS 41,619,324
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 228,514,465
 17. Less: Allowance for Loan & Lease Losses 2,270,809
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 307,822
 20. Land and Building 8,802,996
 21. Other Fixed Assets 1,267,816
 22. NCUA Share Insurance Capitalization Deposit 2,884,133
 23. Intangible Assets 0
 24. Other Assets 32,532,147
25. TOTAL ASSETS 356,998,343
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 10,000,000
 6. TOTALS 10,000,000
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 0
 9. Accounts Payable and Other Liabilities 3,945,035
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 75,166,475
 12. Regular Shares 139,801,508
 13. Money Market Shares 32,183,617
 14. Share Certificates 44,703,828
 15. IRA/KEOGH Accounts 11,174,110
 16. All Other Shares 7,601,818
 17. TOTAL SHARES 310,631,356
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 310,631,356
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 1,259,716
 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) 27,035,288
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 3,897,024
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 4,079,607
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 113,406
EQUITY:  
 33. Undivided Earnings 30,619,416
 34. Regular Reserves 1,878,816
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 276,622
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -352,902
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 356,998,343
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 10,646,499
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 408,231
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 11,054,730
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 1,022,133
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 42,473
 9. TOTAL INTEREST EXPENSE 1,064,606
 10. Provision for Loan & Lease Losses 1,091,000
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 8,899,124
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 2,245,282
 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 4,028
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 715,408
 21. TOTAL NON-INTEREST INCOME 6,727,835
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 6,013,986
 23. Travel and Conference Expense 41,197
 24. Office Occupancy Expense 676,630
 25. Office Operations Expense 1,038,159
 26. Educational and Promotional Expenses 624,593
 27. Loan Servicing Expense 1,622,805
 28. Professional and Outside Services 1,560,153
 29. Total Member Insurance 12,552
 30. Operating Fees (Examination and/or supervision fees) 66,440
 31. Miscellaneous Operating Expenses 150,009
 32. TOTAL NON-INTEREST EXPENSE 11,806,524
33. NET INCOME (LOSS) 3,820,435
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 Loans8.952,639$4,044,652
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans7.59621$1,585,263
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans9.352,787$5,893,575
 5. New Vehicle Loans1.992,224$65,912,056
 6. Used Vehicle Loans1.993,218$50,685,328
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit6.71839$19,632,432
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property4.66646$43,960,065
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property6.166$2,867,632
 11. All Other Real Estate Loans/Lines of Credit6.0027$545,205
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured5.5040$17,669,799
 13. Commercial Loans/Lines of Credit Not Real Estate Secured5.5062$15,718,458
 14. TOTAL LOANS & LEASES13,169$228,514,465
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date4,305$129,007,676
  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 Staff45$1,293,486
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration19$408,874$0
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)19$408,874-
  b. Other Government Guaranteed19$408,874$0
 19. Commercial Loans  
  a. Small Business Administration2$3,940,060$0
  b. Other Government Guaranteed0$0$0