| Prudential Disclosure
Public Disclosure of Prudential Information In accordance with APRA Prudential Standard APS 330.
Capital Structure (Annual) - 30 June 2011
| Tier 1 Capital |
Total |
| Reserves |
$798,096 |
| Retained Earnings |
$16,285,817 |
| Innovative instruments |
$1,500,000 |
| Deductions from Tier 1 |
-$903,540 |
| Total Amount of Tier 1 Capital (Net of Deductions) |
$17,680,373 |
| Total Amount of Tier 2 Capital (Net of Deductions) |
$2,544,882 |
| Total Capital Base |
$20,225,255 |
Capital Adequacy - Quarterly disclosure from 1 July to 30 September, 2011
Capital requirements
| Credit Risk |
RWA |
RWA Value |
| Deposits with other ADIs |
$44,408,711
|
$12,258,459 |
| Residential Mortgages |
$144,605,454
|
$51,187,442 |
| Other Loans |
$8,564,050
|
$8,564,050 |
| Premises & Fixed Assets |
$3,774,760
|
$3,774,760 |
| Other Assets |
$758,229
|
$771,579 |
| Total Credit Risk |
$202,111,204
|
$76,556,290 |
| Securitisation |
$0
|
$0 |
| Market Risk |
$0
|
$0 |
| Operational Risk |
$10,073,149
|
$10,073,149 |
| Total Tier 1 Capital Ratio |
|
20.53% |
| Total Capital Ratio for the Credit Union |
|
23.47% |
Credit Risk - Quarterly disclosure from 1 July to 30 September, 2011
| Gross Exposures by Portfolio |
Total |
Average |
| Deposits with other ADIs |
$44,408,711
|
$36,333,857 |
| Residential Mortgages |
$133,257,993 |
$133,277,369 |
| Other Loans |
$8,564,050
|
$8,179,785 |
| Commitments |
$11,347,461
|
$11,179,523 |
| Other Non-Market Off-Balance Sheet Exposures |
|
|
| Debt Securities |
|
|
| Overall |
$197,578,215
|
$188,970,534 |
| General Reserve for Credit Losses |
|
$623,140 |
Credit Risk - Quarterly disclosure from 1 July to 30 September, 2011
| |
Total |
Impaired |
Past Due |
SP $ |
W/O |
| Residential Mortgage |
$133,257,993
|
|
$0 |
$0 |
$0 |
| Other |
$8,564,050
|
$190,613
|
$0 |
$126,384
|
$1,534 |
| ADIs |
$44,408,711
|
$0 |
$0 |
$0 |
$0 |
| Off Balance Sheet |
$11,347,461
|
$0 |
$0 |
$0 |
$0 |
| Total |
$197,578,215
|
$190,613
|
$0 |
$126,384
|
$1,534 |
|
