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National Credit Union Service Organization

RIVER CITY 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 RIVER CITY FEDERAL CREDIT UNION as of: December 31, 2021.
Charter Number: 926

ASSETS$ Amount
CASH:  
 1. Cash on Hand 1,962,307
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 8,417,444
 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 19,555,829
 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 249,000
 10. Nonperpetual Capital Account 156,000
 11. Perpetual Contributed Capital 382,740
 12. All other investments in corporate credit unions 0
 13. All other investments 126,600
 14. TOTAL INVESTMENTS 20,470,169
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 90,251,468
 17. Less: Allowance for Loan & Lease Losses 575,360
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 44,277
 20. Land and Building 750,663
 21. Other Fixed Assets 1,968,046
 22. NCUA Share Insurance Capitalization Deposit 1,128,167
 23. Intangible Assets 0
 24. Other Assets 4,307,990
25. TOTAL ASSETS 128,725,171
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 500,000
 6. TOTALS 500,000
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 0
 9. Accounts Payable and Other Liabilities 3,135,812
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 33,228,157
 12. Regular Shares 39,980,491
 13. Money Market Shares 15,508,509
 14. Share Certificates 14,055,081
 15. IRA/KEOGH Accounts 4,423,247
 16. All Other Shares 6,059,972
 17. TOTAL SHARES 113,255,457
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 113,255,457
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 110,442
 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) 7,747,283
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 1,103,987
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 5,308,884
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 40,879
EQUITY:  
 33. Undivided Earnings 7,570,685
 34. Regular Reserves 4,258,925
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 169,872
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -165,580
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 128,725,171
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 5,514,471
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 94,258
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 5,608,729
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 295,014
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 27,877
 9. TOTAL INTEREST EXPENSE 322,891
 10. Provision for Loan & Lease Losses 850,300
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 4,435,538
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 1,743,810
 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) 636,808
 21. TOTAL NON-INTEREST INCOME 6,431,409
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 3,693,003
 23. Travel and Conference Expense 92,522
 24. Office Occupancy Expense 715,723
 25. Office Operations Expense 1,812,036
 26. Educational and Promotional Expenses 203,066
 27. Loan Servicing Expense 190,079
 28. Professional and Outside Services 515,265
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 17,616
 31. Miscellaneous Operating Expenses 23,069
 32. TOTAL NON-INTEREST EXPENSE 7,262,379
33. NET INCOME (LOSS) 3,604,568
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 Loans11.503,207$6,741,859
 2. Payday Alternative Loans (PALs I and PALs II)28.0098$59,087
 3. Non-Federally Guaranteed Student Loans0.000$0
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans10.6017,848$14,077,959
 5. New Vehicle Loans1.89581$11,222,951
 6. Used Vehicle Loans1.891,534$15,956,287
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit4.50241$4,358,169
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.50331$30,151,464
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property4.550$1,764,767
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.507$3,258,678
 13. Commercial Loans/Lines of Credit Not Real Estate Secured4.5021$2,660,247
 14. TOTAL LOANS & LEASES23,918$90,251,468
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date8,962$67,183,407
  a. Payday Alternative Loans (PALs I and PALs II) Granted Year-to-Date255$170,020
MISCELLANEOUS LOAN INFORMATIONNumberAmount
 16. Non-Federally Guaranteed Student Loans in Deferred Status0$0
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff21$306,615
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration59$1,200,731$1,200,731
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)59$1,200,731-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration0$0$0
  b. Other Government Guaranteed0$0$0