| Prudential Disclosure
Public Disclosure of Prudential Information In accordance with APRA Prudential Standard APS 330.
Capital Structure (Annual) - 30 June 2010
| Tier 1 Capital |
Total |
| Reserves |
$788,436 |
| Retained Earnings |
$15,472,293 |
| Innovative instruments |
$1,500,000 |
| Deductions from Tier 1 |
-$937,689 |
| Total Amount of Tier 1 Capital (Net of Deductions) |
$16,823,040 |
| Total Amount of Tier 2 Capital (Net of Deductions) |
$2,452,442 |
| Total Capital Base |
$19,275,482 |
Capital Adequacy - Quarterly disclosure from 1 April to 30 June, 2010
Capital requirements
| Credit Risk |
RWA |
RWA Value |
| Deposits with other ADIs |
$40,836,185
|
$10,912,812 |
| Residential Mortgages |
$134,454,884
|
$48,881,029 |
| Other Loans |
$6,901,579
|
$6,901,579 |
| Premises & Fixed Assets |
$3,654,309
|
$3,654,309 |
| Other Assets |
$2,331,502
|
$2,331,502 |
| Total Credit Risk |
$188,178,459
|
$72,681,231 |
| Securitisation |
$0
|
$0 |
| Market Risk |
$0
|
$0 |
| Operational Risk |
$9,981,771
|
$9,981,771 |
| Total Tier 1 Capital Ratio |
|
20.35% |
| Total Capital Ratio for the Credit Union |
|
23.32% |
Credit Risk - Quarterly disclosure from 1 April to 30 June, 2010
| Gross Exposures by Portfolio |
Total |
Average |
| Deposits with other ADIs |
$40,836,185
|
$40,015,679 |
| Residential Mortgages |
$124,511,109 |
$124,712,090 |
| Other Loans |
$6,901,579
|
$7,888,149 |
| Commitments |
$9,943,775
|
$10,266,239 |
| Other Non-Market Off-Balance Sheet Exposures |
|
|
| Debt Securities |
|
|
| Overall |
$182,192,648
|
$182,882,157 |
| General Reserve for Credit Losses |
|
$623,140 |
Credit Risk - Quarterly disclosure from 1 April to 30 June, 2010
| |
Total |
Impaired |
Past Due |
SP $ |
W/O |
| Residential Mortgage |
$124,511,109
|
|
$0 |
$0 |
$0 |
| Other |
$6,901,579
|
$319,781
|
$0 |
$157,615
|
$123,060 |
| ADIs |
$40,836,185
|
$0 |
$0 |
$0 |
$0 |
| Off Balance Sheet |
$9,943,755
|
$0 |
$0 |
$0 |
$0 |
| Total |
$182,192,648
|
$319,781
|
$0 |
$157,615
|
$123,060 |
|
