|
MELBOURNE UNIVERSITY CREDIT UNION A DIVISION OF PULSE CREDIT UNION LTD
Disclosure of Credit Risk Information and Capital Adequacy
In accordance with APRA Prudential Standard APS 330
| As at 31 December 2011 |
| |
$,000 |
| Tier 1 capital |
|
| General reserves and retained profits |
5,819 |
| |
|
| Less deductions from tier 1 capital |
|
| - intangible assets |
(252) |
| - other |
(162) |
Tier 1 capital (net of deductions) |
5,405 |
| Tier 2 capital |
|
Tier 2 capital (net of deductions) |
540 |
Total capital base |
5,945 |
| As at 31 December 2011 |
| |
|
| |
$,000 |
| Capital requirements - |
|
| - for credit risk |
|
| Deposits with banks and ADIs |
5,332 |
| Loans and advances |
|
Claims secured by residential mortgage |
13,930 |
Other members loans |
7,230 |
Commitments for loans and advances |
|
- Loans approved not advanced |
302 |
- Loan redraw facilities |
391 |
| - for cash and cash claims |
|
| - for other assets |
2,383 |
| - for operational risk |
4,537 |
| Total risk weighted exposures |
34,105 |
| |
|
| Credit Union capital base |
|
- Net tier 1 capital |
5,405 |
- Total capital base |
5,945 |
| |
|
| Capital adequacy ratio |
|
- on net tier 1 capital |
15.85% |
- on total capital base |
17.43% |
| |
|
| |
| For the three month period ended 31 December 2011 |
|
| |
Gross exposures at reporting date |
Average gross exposures for the period |
Impaired facilities |
90 days past due |
Specific provisions balance |
Charge for specific provisions and write-offs for the period |
| |
$,000 |
$,000 |
$,000 |
$,000 |
$,000 |
$,000 |
| Deposits with banks or ADIs |
27,435 |
28,593 |
- |
- |
- |
- |
| Loans and advances: |
|
|
|
|
|
|
| On balance sheet: |
|
|
|
|
|
|
| - secured by residential mortgage |
39,107 |
37,991 |
- |
- |
- |
- |
| - other members loans |
6,823 |
7,218 |
122 |
122 |
94 |
|
| - commercial |
500 |
500 |
- |
- |
- |
- |
| Off balance sheet commitments: |
|
|
|
|
|
|
| - loans approved not advanced |
779 |
974 |
- |
- |
- |
- |
| - loan redraw limits |
886 |
857 |
- |
- |
- |
- |
| - revocable overdraft limits |
1,400 |
1,376 |
- |
- |
- |
- |
| - other irrevocable loan drawdowns |
1,348 |
1,348 |
- |
- |
- |
- |
| - other irrevocable standby commitments |
2,472 |
2,485 |
- |
- |
- |
- |
| Total loans and advances |
53,315 |
52,750 |
122 |
122 |
94 |
5 |
| |
|
|
| The General Reserve for Credit Losses at reporting date is ($000): |
$183 |
|
|
