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Statement of Financial Condition

June 30, 2014

ASSETS LIABILITIES
Consumer Loans  48,449,320.88 Regular Share & Club Accounts  59,253,983.78
Indirect Loans

    5,789,127.62

MAXI Funds 97,788,498.43
VISA         13,021,472.30 Share Draft Accounts 65,583,470.55
Mortgages 327,121,753.84 Certificates of Deposit 109,404,528.49
FNMA Loans Sold (Included in Mortgages) -189,547,664.14    
Home Equity Loans    84,898,411.81    
Member Business Loans   32,674,436.87 Total Shares $332,030,481.25
Loans in Process 1,408,188.29 Borrowed Funds      25,000,000.00
Total Loans $325,815,047.47 Total Funds $357,030,481.25
Allowance for Loan Losses   -1,400,637.34    
Total Loans after ALL:  $322,414,410.13    
Short Term Investments    2,174,384.63      
*Note/Bond Investments    9,303,431.83    
Investments   31,455,350.57 Other Liabilities 2,097,581.77
Other Investments    895,515.46 Accrued Expenses    126,813.67
Total Investments $43,828,682.49 Total Liabilities

$2,224,395.44

Cash & Due from Banks 6,957,495.25    
Land      3,864,791.74    
Buildings      7,332,946.83    
Furniture & Equipment      1,469,188.87    
Motor Vehicles         41,531.40    
Prepaid Expenses     490,814.80 Regular Reserve    4,981,779.87
Fixed Assets $13,199,273.64 Undivided Earnings  28,457,953.19
    Accum Other Comprehensive Income     -428,078.00
Accrued Income   914,122.16 Balance Sheet - Income    1,411,995.17
Deposit - NCUSIF  3,175,734.73 Total Equity $34,423,650.23
Real Estate by Foreclosure   0.00    
Other Assets  3,188,808.52    
TOTAL ASSETS $393,678,526.92 TOTAL LIABILITIES & EQUITY $393,678,526.92
* Market Value Investments $ 9,222,696.97
Equity Ratio 8.85%
Unused Courtesy Pay $15,676,027.00    
Unused Credit Lines $94,548,583.21    

WE CERTIFY, TO THE BEST OF OUR KNOWLEDGE AND BELIEF, THIS STATEMENT AND THE RELATED STATEMENTS ARE TRUE AND CORRECT AND PRESENT FAIRLY THE FINANCIAL POSITION AND THE RESULTS OF OPERATIONS FOR THE PERIODS COVERED.

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