| Prudential Disclosure
Public Disclosure of Prudential Information In accordance with APRA Prudential Standard APS 330.
Capital Structure (Annual) - 30 June 2009
| Tier 1 Capital |
Total |
| Reserves |
$778,664 |
| Retained Earnings |
$14,842,587 |
| Innovative instruments |
$1,500,000 |
| Deductions from Tier 1 |
-$1,078,908 |
| Total Amount of Tier 1 Capital (Net of Deductions) |
$16,042,323 |
| Total Amount of Tier 2 Capital (Net of Deductions) |
$2,381,025 |
| Total Capital Base |
$18,423,348 |
Capital Adequacy - Quarterly disclosure from 1 January to 31 March, 2010
Capital requirements
| Credit Risk |
RWA |
RWA Value |
| Deposits with other ADIs |
$39,195,173
|
$10,287,656 |
| Residential Mortgages |
$135,501,773
|
$48,378,752 |
| Other Loans |
$8,874,719
|
$8,874,719 |
| Premises & Fixed Assets |
$3,611,898
|
$3,611,898 |
| Other Assets |
$4,047,412
|
$4,047,412 |
| Total Credit Risk |
$191,230,975
|
$75,200,437 |
| Securitisation |
$0
|
$0 |
| Market Risk |
$0
|
$0 |
| Operational Risk |
$9,850,881
|
$9,850,881 |
| Total Tier 1 Capital Ratio |
|
19.41% |
| Total Capital Ratio for the Credit Union |
|
22.21% |
Credit Risk - Quarterly disclosure from 1 January to 31 March, 2010
| Gross Exposures by Portfolio |
Total |
Average |
| Deposits with other ADIs |
$39,195,173
|
$35,007,801 |
| Residential Mortgages |
$124,913,070 |
$127,064,300 |
| Other Loans |
$8,874,719
|
$8,764,160 |
| Commitments |
$10,588,703
|
$10,172,602 |
| Other Non-Market Off-Balance Sheet Exposures |
|
|
| Debt Securities |
|
|
| Overall |
$183,571,665
|
$181,008,862 |
| General Reserve for Credit Losses |
|
$623,140 |
Credit Risk - Quarterly disclosure from 1 January to 31 March, 2010
| |
Total |
Impaired |
Past Due |
SP $ |
W/O |
| Residential Mortgage |
$124,913,070
|
|
$0 |
$0 |
$0 |
| Other |
$8,874,719
|
$474,361
|
$0 |
$216,321
|
$154,032 |
| ADIs |
$39,195,173
|
$0 |
$0 |
$0 |
$0 |
| Off Balance Sheet |
$10,588,703
|
$0 |
$0 |
$0 |
$0 |
| Total |
$183,571,665
|
$474,361
|
$0 |
$216,321
|
$154,032 |
|
