Arrowhead 5 Year Balance Sheet and Income Statement
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Financial Comparison for Arrowhead Credit Union
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ASSETS12/31/20093/31/20106/30/201012/31/201012/31/201112/31/2012California CU Average 12/31/2012
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Cash & Cash Equivalents125,964,190193,101,015163,757,131109,555,462188,911,488126,864,91732,218,462
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Government Securities18,402,34518,999,11520,790,04817,752,30617,563,075167,718,47693,563,708
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Corporate CU005,000,00000600,000436,120
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Deposit in Banks and S&L's000006,239,00011,947,515
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Mutual Funds0000001083974
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All Other Inv. & Ins4,091,6004,091,6003,939,6003,636,6003,037,3602,373,0008,439,635
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Total Investments 148,458,135216,191,730193,486,779130,944,368209,511,923303,795,393147,689,414
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Real Estate Loans244,801,513236,905,171232,393,110205,973,934189,002,497165,394,185117,715,233
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Auto Loans168,490,454150,341,556133,518,705106,184,02781,811,79872,558,41138,659,358
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All Other Loans291,821,640275,886,287257,893,177238,335,905184,718,066159,190,82021,462,892
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Total Loans705,113,607663,133,014623,804,992550,493,866455,532,361397,143,416178,109,499
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(Loan Loss Allow)-50,364,008-49,520,278-53,583,827-49,249,727-34,870,143-29,135,191-3,631,663
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Foreclosed & Repossessed Property3,393,8285,416,1404,633,7083,321,4721,963,085642,844401,347
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Land & Buildings15,941,07715,713,38415,497,91712,236,76812,442,49512,177,0933,658,830
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Other Fixed Assets3,037,8252,651,6622,332,2031,968,157884,8551,423,3291,000,986
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All Other Assets26,180,25822,110,04522,275,15222,424,72314,637,42113,767,50710,320,834
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TOTAL ASSETS851,760,722875,695,697808,446,924672,139,627660,101,997699,814,391337,549,248
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LIABILITIES & CAPITAL
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Dividends Payable2,6201,1486126420036,699
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Notes Payable22,225,07117,220,87317,216,6222,207,959007,842,246
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Rev. Repurch Agreements0000000
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Other Liabilities16,026,59316,711,21423,644,12312,131,03620,407,68924,148,7643,325,611
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Total Liabilities38,254,28433,933,23540,861,35714,339,63720,407,68924,148,76411,204,556
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Regular Shares & Deposits329,524,972358,084,713325,803,683271,414,838198,351,820219,152,22794,304,680
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Money Market Shares70,897,28676,466,69871,986,35761,949,008113,347,582115,969,68081,350,157
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Share Drafts252,197,739259,814,139237,049,022206,547,997191,799,109197,106,31633,961,957
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IRA & Keogh6,084,6895,878,4355,691,5695,110,2996,940,2556,966,29123,805,114
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Share Certificates130,248,731116,702,715107,121,74393,935,77084,863,65273,205,27357,040,318
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Total Shares788,953,417816,946,700747,652,374638,957,912595,302,418612,399,787290,462,225
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Regular Reserve3,985,9994,859,3585,667,8065,667,8068,372,6948,372,6947,219,311
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FASB 115 Val Reserves-4,785,088-4,614,280-4,400,400-4,289,417-3,748,171-10,472,695489,376
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Undivided Earnings & Other Reserves25,352,11024,570,68418,665,78717,463,68939,767,36765,365,84127,171,394
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Equity Acquired in Merger0000001,002,386
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Total Reserves & Undiv. Earn.24,553,02124,815,76219,933,19318,842,07844,391,89063,265,84035,882,467
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TOTAL LIABILITIES & CAPITAL851,760,722875,695,697808,446,924672,139,627660,101,997699,814,391337,549,248
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DELINQUENT LOANS
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2-6 Months Delinq.19,787,07418,460,49417,269,43711,013,3039,608,3676,618,4581,428,539
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6-12 Months3,672,1861,412,8521,640,9271,290,0131,512,043542,132423,091
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Over 12 Months298,302203,483292,805075,6170301,977
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Total Delinquent Loans23,757,56220,076,82919,203,16912,303,31611,196,0277,160,5902,153,606
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Bankruptcies12,858,0944,329,3367,514,6839,717,2869,035,9045,115,6221,239,613
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Net Chargeoff (Recov)56,282,9289,279,75818,243,60841,098,08222,179,9789,669,1581,692,001
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Loan Portfolio Profile % of Total % of Total % of Total % of Total % of Total % of Total % of Total
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-Unsecured Credit Card0.060.070.080.080.070.076.14
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-All Other Unsecured16.6216.2816.2516.0913.0714.212.82
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-New Auto12.8311.9311.039.055.994.517.39
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-Used Auto11.0710.7410.3710.2411.9713.7614.32
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-First Mortgage Real Estate14.4014.8715.5916.0318.2118.6552.20
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-Other Real Estate20.3220.8521.6621.3923.2823.0013.89
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-All Other Loans to Members24.6525.2124.9927.1127.4125.813.09
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-First Mtg Fixed Rate included in above0.950.901.046.098.238.5432.28
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INCOME:12/31/20093/31/20106/30/201012/31/201012/31/201112/31/2012California CU Average 12/31/2012
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Loans58,188,82812,496,76124,503,08246,456,68736,216,42030,496,4589,188,486
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(Less Rebates)000000-1,728
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Investments290,668143,632334,327529,906523,919870,9471,772,201
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Fee Income14,509,0583,520,2426,966,13214,482,62813,960,91914,998,5691,968,346
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Trading + Other Operating25,369,9315,641,07711,456,49321,356,59714,598,45712,171,7052,124,913
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Total Income98,358,48521,801,71243,260,03482,825,81865,299,71558,537,67915,052,218
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EXPENSES:
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Empl Comp & Benefits29,911,7686,881,66712,784,81421,522,38110,917,39112,597,4004,739,011
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Travel & Conference335,73943,858104,122150,42480,31948,08588,070
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Office Occupancy6,486,9521,376,6062,734,8115,087,5093,569,9832,141,732736,825
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Office Operations15,224,0603,367,4336,620,88611,866,1198,098,1229,058,9771,801,133
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Education & Promotional1,412,26281,264177,451419,723214,443351,657287,441
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Loan Servicing996,972319,062595,5861,049,1391,278,995927,338533,197
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Professional Services1,326,086448,768766,3781,925,0152,451,019960,108640,785
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Member Insurance -1,013,294001,956,1121,574,835595,113269,638
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NCUSIF Premium & Corporate Exp.6,920,102001,956,1121,574,835595,113259,928
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Operating Fees72,27418,55937,11874,553268,62363,41942,422
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Miscellaneous2,853,381681,7241,246,5332,909,9391,794,5521,744,326241,101
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Expense Subtotal57,606,20013,218,94125,067,69946,960,91430,248,28228,488,1559,379,622
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Provision for Loan Loss76,996,1336,065,15918,920,54236,163,7147,800,3943,934,206803,847
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Operating Income-36,243,8482,517,612-728,207-298,81027,251,03926,115,3184,868,750
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Non-Operating Gain (Loss)10,529,4721,134,9521,241,905-173,610-142,976949,325100,353
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Income before Dividends-30,747,4533,652,564513,698-472,42027,108,06327,064,6434,925,034
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Int. on Borrowed Funds843,845164,358301,730483,063216,7401274205
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Dividends6,061,515896,2741,665,8582,751,1311,882,7571,546,1461,574,054
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Net Income-44,572,9152,591,932-1,453,890-3,706,61425,008,56625,518,4963,120,843
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Net Income Before NCUSIF Expense-37,652,8132,591,932-1,453,890-1,750,50226,583,40126,113,6093,380,771
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