Employee Compensation Benefits Statement - Excel

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Employee Compensation Benefits Statement - Excel Powered By Docstoc
					                                                                 BECU Financial Statement
                                                                  Data as of March 31, 2005


                                             Mar-04          Mar-05   % chg                                                  Mar-04       Mar-05    % chg
Assets:                                                                             Income:
Cash                                    124,547,692     337,544,691       171       Loans                                47,453,558   56,838,457       19.8
Govt & Agencies                         799,794,519     574,534,655     -28.2       (Less Rebates)                                -            -         inf
Corporate CU                              5,000,000      92,542,314    1750.8       Investments                           9,373,582    7,800,826      -16.8
Banks and S&Ls                          204,045,215      25,533,146     -87.5       Fee Income                            9,388,752   10,694,172       13.9
Mutual Funds                             82,709,388               -      -100       Trading+Other Operating               4,086,327    5,094,119       24.7
All Other Inv & Ins                      19,865,395     642,189,318    3132.7       Total Income                         #########    #########        14.4
Total InvestmentsCash & Cash Eq.      1,235,962,209   1,062,131,316     -14.1       Expenses:
                                                                                    Employee Compensation and Benefits   15,296,591   14,117,427       -7.7
Real Estate Loans                     2,063,941,514 2,465,929,868        19.5       Travel & Conf                           478,591      248,263      -48.1
Auto Loans                              720,463,525 1,088,227,299          51       Office Occupancy                      1,805,497    2,173,755       20.4
All Other Loans                         503,213,347   548,835,277         9.1       Office Operations                     9,488,766    7,030,990      -25.9
Total Loans                           3,287,618,386 4,102,992,444        24.8       Education & Promo                     1,145,340      669,026      -41.6
(Loan Loss Allow)                       (27,432,870)  (33,905,071)       23.6       Loan Servicing                        3,979,195    3,168,984      -20.4
                                                                                    Prof Services                         4,339,759    5,320,590       22.6
Foreclosed & Repossessed Assets           1,216,196       1,057,022     -13.1       Member Insurance                              -            -         inf
Land and Building                        45,975,659      45,332,454      -1.4       Operating Fees                           85,999       90,174        4.9
Other Fixed Assets                       24,247,179      26,582,444       9.6       Miscellaneous                         3,401,467    3,166,953       -6.9
All Other Assets                        107,459,853     112,334,982       4.5       Exp. Subtotal                        #########    #########       -10.1
Total Assets                          4,675,046,612   5,352,203,744      14.5
                                                                                    Prov/Invest Loss                              -            -         inf
Liabilities & Capital:                                                              Prov/Loan Loss                        5,627,671    4,819,564      -14.4
Dividends Payable                        1,286,015       2,269,575       76.5       Subtotal                             #########    #########       -10.6
Notes Payable                                    -      90,000,000         inf
Rev Repurch Agreem.                              -               -         inf      Non-Op Gain(Loss)                          415       (78,038)     ****.*
Other Liabilities                      147,352,124     106,723,000      -27.6       Income before Div                    #########    #########        60.4
Total Liabilities                      148,638,139     198,992,575       33.9
                                                                                    Cost Of Funds:
Reg Shares & Deposits                 2,486,763,167   2,204,689,190     -11.3       Int. Borrowed Funds                       1,223      543,663      ****.*
Money Market Shares                      14,518,380     545,536,109    3657.6       Dividends                            15,899,197   23,148,644       45.6
Share Drafts                            479,573,675     553,981,122      15.5       Net Income                            8,753,338   #########        81.1
IRA & Keogh                             558,022,364     563,660,870         1
Share Certificates                      599,377,482     841,568,252      40.4       Members                                 357,971      401,783       12.2
Total Shares                          4,138,255,068   4,709,435,543      13.8       Potential Members                     6,117,350    6,293,000        2.9
                                                                                    Employees                                   950          781      -17.8
Regular Reserve                         111,348,651   111,348,651           0       Members/Employee                            377          515       36.5
FASB 115 Val Res                           (510,871)     (805,240)       57.6       Ave Sal & Ben/Employee                   64,441       72,351       12.3
Undiv Erngs & Oth Res                   277,315,625   333,232,215        20.2
Tot Res & Und Earn                      389,187,395   444,564,609        14.2       Key Ratios:                                2004        2005
Tot Liab & Capital                    4,675,046,612 5,352,203,744        14.5       Return on Ave Assets                       0.7%        1.2%
                                                                                    Operating Exp/Income                      56.9%       44.7%
                                                                                    Dividends/Income                          22.6%       28.8%
Source: Callahan & Associates, Inc.                                                 Delinquency                                0.3%        0.2%
Data as of March 31, 2005

				
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