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Credit Caisses D'e'pargne Unions Et De Credit

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CATALOGUE 61-209 ANNUAL C. CATALOGUE 61 -209 ANNUEL Credit Caisses d'e'pargne Unions et de credit 1971 F.- . Statistics Canada Statistique Canada 1971 STATISTICS CANADA - STATISTIQUE CANADA Business Finance Division - Division dee finances des entreprisee Financial Institutions Section Section de institutions de financière CREDIT UNIONS CAISSES D'EPARGNE ET DE CREDIT 1971 Published by Authority of The Minister of Industry, Trade and Commerce Publication autorisée par Ic ministre do I'Industrie et du Commerce October - 1973 - Octobre 5.4404-526 Prlce—Prix: 75 cents SttLt1cs Canada should be credited when republishing all or any part of this document Reproduction autorise sous rserve dindicatlon de Ia source Statistique Canada lnformaton Canada Ottawa lcNES (CN''ENTIcSNEL The following standard symbols are used in Statistics Canada publications: Lee signea conventionnels suivanta sont employea uniformément dana lea publications de Statistique Canada: figures not available. nombres indisponibles. figures not appropriate or not applicable. n'ayant paa lieu de figurer. - nil or zero. - néant ou zero. -- amount too small to be expressed. -- noinbres infimes. p preliminary figures. p nombres provisoires. r revised figures. r nombrea rectlfiCs. NOTE For clarification or information concerning this publication, please contact: R.R. Rotor, chief, Financial Institutions Section, Statistics Canada, Ottawa, Canada Telephone (613) 994-5873 NOTA Pour plus de clarifications ou de renseignements concernant cette publication, s'adreaser a: R.R. Rotor, chef, Section des institutions financières, Statiatique Canada, Ottawa, Canada. Téléphone (613) 994-5873 NT. - I Page Introduction . 5 Standardization of Statistics 5 Methodology ......................................5 Page Introduction .............................................5 Uniformisation des statiatiques ..........................5 Methods ..................................................5 Graphiques 1. Personal Savings in Selected IflstitUtiOfl8 7 2. Personal Loans at Selected Institutions .......7 5. Composition of Assets, Liabilities and Equity of Local Credit Unions by Province ..........9 1. tpargne personnelle dens certainea institutions .......7 2. CrCances pereonnellea actives dana certainea institutions...............................................7 3. Actif total de certaines institutions financiBres 7 4. Croissance du nombre de soctétaires, dana lea caisses depargne ci de credit locales ......................8 5. Composition do l'actif, du psasif et de l'avoir des caisses depargne et de credit locales, par province 9 Table Tableau 3. Assets of Selected Financial Institutions 7 4. Growth of Membership in Local Credit Unions ... 8 .ristica1 Suemary ..............................10 Résumé Statiatique .......................................10 1. Growth Record of Local Credit Union ..........12 2. Credit Unions, Chartered Bank Branches and Trust Company Branches by Province .........12 1. Croissance des caisses locales depargne St do credit 12 2. Caissea d'epargne et de crCdit, succursales des banquea B charte et des sociCtés de fiducie, par province..............................................12 3. Avoir et depta par aociCtaire, caisses locales ......14 4. Taux de croissance de l'avoir comptable, par sociétaire..............................................14 5. Nombre de sociCtaires des calasea locales d'epargne et de credit .......................................16 6. Caissea 1.ocalea d'Cpargne et de credit B charte, Canada.............................................16 7. Classement des caissea locales d'epargne et do credit suivant lactif ....................................16 8. Caisaes locales dCpargne et de credit claasées par genre d'aaeociation ................................18 9. PrCta consentis par lea csisaes locales d'epargne et de credit ..........................................18 10. ttats des comptes de pr8ts ...........................20 11. But des pr8ts consentis ..............................22 12. But en pourcentage du total des prCta ................24 13. Taux dintCrêt et de dividende .......................24 14. Personnel des caissea locales d'epargne et de credit 26 15. PrCts conaentis par lea caissea centrales ............27 16. Bilsns ...............................................28 17. Bilans, sous forme de pourcentages ...................30 18. ttats des revenus St des dCpenaes ....................32 19. 9tats dea revenua et des dCpenaes, aous formes de p ourcentages .......................................34 20 9tats dee bénCficee non rCpartis .....................36 21. 9tats des comptea do reserve .........................38 22. Bilans, 1970 .........................................40 23. Bilans, aous forme de pourcentagos, 1970 .............42 24. ftats des revenus et des dCpenses, 1970 ..............44 25. Etats des revenua et des dCpenaea, sous forme de pourcentages, 1970 .................................46 26. 1tts des hénéfi.-.s sun r('p.irt is • 1970 ............. ..-'.1) 3. Deposits and Equity Member ...................14 4. Rate of Growth of Book Equity per Member 14 5. Memberships in Local Credit Unions ...........16 6. Local Credit Unions Chartered in Canada ......16 7. Local Credit Unions Classified by Asset Size 16 8. Local Credit Unions Classified by Type of Association................................ 9. Loans Made by Local Credit Unions ............ 10. Statements of Loan Accounts .................. 18 18 12. Purpose as a Percentage of Total Loans ....... 13. Schedule of Interest and Dividend Rates ...... 14. Employees of Local Credit Unions ............. iS. Loans made by Centrals ....................... 16. Balance Sheets ............................... 17. Coeon-Size Balance Sheets ................... 18. Statements of Operations ..................... 19. Coemon-Size Operating Statements ............. 20 22 24 24 26 26 28 30 32 34 20. Statements of Undistributed Surplus .......... 21. Statements of Reserve Accounts ............... 22. Balance Sheets, 1970 ......................... 23. Cou.non-Size Balance Sheets, 1970 ............. 24. Statements of Operations, 1970 ............... 25. Comison-Size Operating Statements, 1970 ....... 36 38 40 42 44 46 11. Purpose of Loans ............................. 2. Stdt,mer1t ut Indistrituted Surplus, 1970 48 I NTRODUCTION r 1971 demst riied cut i med grjwth for the credit union movement in Canada. Deposits and share capital in local credit unions rose by almost one billion dollars to a total of $5.5 billion, for an increase of over 22 7.. La mouvement des caisses d'épargne et de credit au Canada a poursuivi en 1971 as progression amorcée. Lea dCpbts et is During the year, membership in credit unions increased by approximately 251,000 to a total membership of 5.4 million for a 4.8 7. rise. Total assets at the end of 1971 stood at $5.6 billion for an overall increase of 21.7 7. for the year. This proved to be the fastest growth rate for credit unions in more than 20 years. Deposits and equity per member rose to 1,002 from 858 during the year for a 16.8 7. gain. Au cours de l'annCe, Is nombre de membrea des caisses d'epargne at de credit a augmente d'environ 251,000 (4.8 7,) pour a'ftablir è 5.4 millions. L'actif global & la fin de 1971 Ctatt de 5.6 rnilliards de dollars, cc qui donnsit one augmentation globale de 21.7 7, pour l'année. Ccci fut Ia progres- In Table 2 the number of credit unions are compared with the number of branches of chartered banks and trust companies. The number of credit unions in Canada are nearly eight times the number of trust companies' branches and there are seven credit unions for every ten branches of chartered banks; in Quebec and New Brunawick there are more credit unions than there are branches of chartered banks and trust companies combines. Dana le tableau 2, le nombre de caiases d'epargne et de credit eat compare avec celui des succursales de banques charte et de sociftel de fiducie. Au Canada, Ic nombre de caisaes dépargne et de credit est preaque huit fois Ic nombre de succuraales de socidtda de fiducie et il y a sept caia.es depargne et de credit pour chaque groupe de dix auccursales de banques è chsrte. Au Québec et au Nouveau-Brunswick, il y a plus de caiases d'Cpsrgne at de credit que de auccuraslea de banquea è charte et de aoctCts de fiducie mises ensemble. Standardization of Statistics After extensive research by a national comeittee under the chairmanship of Mr. A.A. (Tony) Heidt covering several national and regional meetings, a standardized questionnaire was officially accepted and approved for use by all provinces at the 14th Jnterpovincial Conference of the National Association of Administrators of Cc-operative Legislation in June 1967. Most provinces are now collecting data from local credit unions on the isfs of this uniform accounting system modified to nuvincial practices. As a result, the credit union -uvement is building a soundly based structure of statistical data which enables credit unions to compare their performance with other financial intermediaries; province, to compare performance with other provinces; and policy decisions on the credit union movement to be more prudently based on factual data. capital social dana lea caisees locales d'epargne et de credit se sont accrus d'environ on mulliard de dollars (près de 22 7.) pour atteindre one valeur totale de 5.5 niilliarda de dollar.. sion amorcCe Is plus rapide pour lee caisaes d'dpargne et de credit dans plus de 20 ans. La valeur des depots et de l'avoir par menibre eat pasade de 858 A 1,002, soit one augmentation de 16.8 7.. Unjformi,ation dea statietiques A Is suite de recherches inteneivea menCes par Un comitC national, soua Is prdsidence de N. A.A. (Tony) 1{eidt, au cours de plusieurs réuniona national.s at régionales, on a officiellenient accepté et approuvd an join 1967, A is 14e conference interprovinciale de Is National Association of Adminiatrator of Co-operative Legislation, un queationnaire uniforms è l'usage de toutea lea provinces. La plupart des provinces recueillent maintenant des données suprès des caieaea locales d'epargne et de credit, baaées our cc système uniforms des comptea, modifié selon lea procedures provincialea. En coniC- quence, lea caissea d'Cpargne at de credit se conatruiaent une aolide infraatructure de données .tatiatiques qui ieur permet de confronter leur rendement avec celui d'autre, or ganiamea financiers, qui permet lea comparaiaona entre provincee, et qui fait qua lea dCcieiona de principe touchant I. mouvement coopératif de credit se prennent avec plus de prudence basfea sur des données réelles. Methodology The provincial department responsible for the administration of credit unions collects data from credit unions chartered to do buaine8e in its province. The department then tabulates the data into provincial aggregates and submits a report for the whole province on the national standardized form to Statistic. Canada. Met bode La ministère provincial chargé de l'adminiatration des caisses d'épsrgne et de credit recueille des donnCea auprèa des caissea sutorisées par charte I exercer dana Is province. II lea met en tableaux St fait one declaration pour l'ensem- ble de Is province a Statistique Canada. Statistics Canada in turn analyses the provincial returns by comparison with other provincial returns and previous annual data. After researching inconsistencies, Statistics Canada proceeds to publish the annual report for credit unions across Canada by Provinces and by Canada totals. Statistique Canada analyse enauite lea declarations des provinces en les comparant avec lea donn4ea des autrea pro- In many provinces an annual return from each active credit union chartered to carry on business is mandatory; other provinces compile data for the credit unions from which they were able to obtain returns and then estimate for the missing credit unions; a few proceed to employ statistical techniques to estimate for non-reporters based on results of reporting credit on ions. Dana bien des provinces, chaque caiase active ayant une charts eat aoumise A Is declaration annuelle; d'autres provinces calculent lea données dee ceiases dont dIes ont Pu obtenir Is declaration et font une estimation pour lee caiaaea non declarantes; quelquea unes utiltaent des méthodes statistiques pour dtablir dea estimations dana le caa des caiaaee non décisrantes en sa fondant our lea rCaultats des caissea dCclarantee. These differences in treatment for non-reporting redtt unions result in some discrepancies between to' annual figures submitted in this report and data Ces différentea facons de procéder dans le cas des caiaeea non déclarantea se trsdui.ent par un certain manque de concordance entre lea chiffrea annuela figurant dana Is vinces et avec lea statiatiques annuellea antérieure.. Après analyse des incompatibilites, Statistique Canada entreprend Is publication de son bulletin annuel our lea caisaea &Cpar- gne et de credit par province at pour le Canada entier. -6- ihlihed iii i :ierl. jnaocial listiCutjons report (catalogue No. 61-006). réset hulletin et les chiffres ubljs trimestrielIeaenz daris la publication Institutions Financières (a° de catalogue 61-006). Differences in fiscal year-ends also cause distortions between the annual and quarterlies as do practices for year-end transactions such as dividend payments, allocations to reserves, etc. Thus, allowances should be made for these differences when comparing the annual with the fourth quarter data. Lea differences de date de fin d'exercice financier constituent un autre facteur de divergence entre las données annuelles et lea donndes trimestrielles ainsi que les procêdures traitant des transactions de date de fin d'exercice financier tel qua lea paiements de dividendes, lea allocations aux reserves, etc. Par consequent toute compsraison des chiffres avec lea données du quatrieme trimestre doit tenir compte de ces facteurs. In order to provide Statistics Canada with the required categories for the quarterlies, some provinces tend to employ distribution ratios trom the last available annual data to estimate the quarterly breakdown of some category items. As a result, the subsequent annual figures may differ somewhat on specific items from the quarterly figures but the subgroups totals for each categories should generally agree except as outlined above. En vue d'sssurer h Statistique Canada is repartition voulue des categories pour lee donndes trimestrielles, certames provinces ont tendance A employer des quotients de repartition tires des dernières statistiquea annuelles, de manière A faire une estimation trimestrielle pour certaines categories. 11 sensuit qua lea donndes annuelles qui en ddcoulent peuvent différer sur certains points des chiffres trimestriels, mais les totaux des sous-groupes doivent generalement concorder. In the common-size tables, the balance sheet uses total assets as the yardstick for measuring categories on a cosmion basis and the operating statement uses total revenue for this purpose. Dana les tableaux de pourcentages, l'actif total sert que dans l'Ctst des recettes at des depenses, c'est le total des recettes qui eat employé a cette fin. Central credit unions are surveyed directly by Statistics Canada. Each central is fully accounted for in the data published in this report. Ststistique Canada s'occupe directement des enquêtes auprès des caisses centrales. Las donnCea publiées ici tiennent pleinement compte de chaque centrale. a mesurer lea diverses categories sur une base cousnune, alors GRAPRIQUE—I CHART—I PERSONAL SAVINGS IN SELECTED INSTITUTIONS 1 1971 PARGNE PERSONNELLE DANS CERTAINES INSTITUTIONS 1 1971 ULLLIONS OF DOLLARS - NLLIARDS 06 DOLlARS 0 2 4 6 8 10 12 II 16 CHARTERED 8ANKS 1 ) BANQUCS cIIARTEI 3 ) - - CANADA SAVINGS BONDS 11 OBLIGATIONS DPARGNE DU CANADAI 3 ) TRUST_COMPANIES 111 SOCITS DC FIDUCIECI) - CREDIT UNIONS CAISSES D'PARGNE ET OE CRDIT MUTUAL FUNDS 11 ' FONDS MUTUELSIII MORTGAGECONPANIESIII SOCItTS SE PRETS HTPOTHCAIRES(II GRAPHIQUE - CH4RT-2 PERSONAL LOANS OUTSTANDING AT SELECTED INSTITUTIONS ) 1971 CRANCES PERSONNELLES ACTIVES DANS CERTAINES INSTITUTIONS, 1971 BILLIONS OF DOLLARS 0 I 2 - MILLIARDS OS DOLLARS 3 4 5 2I 6 CHARTERED BANKS 1 I BANQUESCHARTE 131 CONSUMER LOAN COMPANIESII) PRTS AUX CONSOMMATEURS(II CREDIT UNIONS CAISSES O'PARGNE El DE CRDIT RETAIL_CRCDIT( 2 ) CREDIT AU DTAILI2I SALES FINANCE COMPANIES 111 SOCITS DC FINANCEMENI DES VENTES 111 LIFE INSURANCEI 21 SOCIhS D'ASSURANCE-VIE( 21 CHART-3 TOTAL ASSETS OF SELECTED FINANCIAL INSTITUTIONS ) 1971 ACTIF TOTAL DE CERTAINES INSTITUTIONS FINANCIERES1 1971 GRAPHIQUE-3 BILLIONS OF DOLLARS —MILLIARDS DE DOLLARS 0 I 2 3 4 5 6 7 8~~40 CHARTERED BANKS 131 BANQUES ), CHARTE{I -- TRUST_COMPANIESIII SOCITtS DC FIDUCIEI'> SALES FINANCE AND CONSUMER LOANt I) SOCITS DC FINANCEMENT DES VENTE ET DC PRTS AUX CONSOMMATEURSIII CREDIT UNIONS CAISSES D'PARGNE El DE CRDIT MORTGAGE COMPANIESIII SOCITS DC PRTS I1VPOTHCAIRES0I MUTUAL FUNDSIII FONDS MUTUELS 11 I I - I I SOURCE: (I) FINANCIAL INSTITUTIONS QUARTERLY, CATALOGUE No.61-006—INSTITUTIONS FINANCIRES, TRIMESTRIEL, N o 61-006 AU CATALOGUE. (2) CONSUMER CREDIT, MONTHLY, CATALOGUE No 61-004 - CRDIT X LA CONSOMMATION, MENSUEL, NO 61-004 AU CATALOGUE (3) BANK OF CANADA, STATISTICAL SUMMARY - BANQUE DU CANADA, BULLETIN STATISTIQUE. 41 42 CHART-4 GRAPH IQUE-4 GROWTH OF MEMBERSHIP IN LOCAL CREDIT UNIONS, 1950-1971 CROISSANCE DU NOMBRE DE SOCITAIRES, DANS LES CAISSES D'PARGNE ET DE CRDIT LOCALES,1950-1971 (RATIO SCALE -CHELL( SEMI -LOGARITHMIQUE) MILLIONS MILLIONS 25 24 _25 _24 OPULATION - MEMBERSHIP - NOMSRE DE SOCITAIRES 3 3 2 2 I I 950 952 1454 1956 1958 1 960 1962 1 964 1966 1968 1970 1951 1953 1955 1957 1959 1961 1963 1965 1967 1969 1971 CHART-5 GRAPHIQUE-5 COMPOSITION OF ASSETS LIABILITIES AND EQUITY OF LOCAL CREDIT UNIONS BY PROVINCE197I COMPOSITION DE LACTIF DU PASSIF ET DE LAVOIR DES CAISSES DEPARGNE ET DE CREDIT LOCALES PAR PROVINCE, 1971 MILLIONS OF DOLLARS MILLIONS DE DOLLARS MILLIONS OF DOLLARS MILLIONS GE DOLLARS 3 1 200 3,200 3,000- 3,000 2800 --- : ASSETS LIA8ILITIES AND EQUITY ACTIF /PASSIFETAVOIR - -- 2,600 - - 2 400 - OTHER_ASSETS AUTRE ACTI -- : rj: - ______ __________ _________ - 2,200 - --- - _______ ------ OTHER LIA8ILITIES AUTRE PASSIF 2800 2,600 MORTGAGES 1 UNOIVIDEO EARNINGS HYPOTHOUES :. eENFICE NON RPARTIS LOANS RESERVES PRTS RESERVES IN VESTMENTS PLACEMENT SHARES ACTIONS CASH DEPOSITS Ts 2,400 -- 2,200 ç 2,000- -___ _________- __________ ------- - —2,000 ENCAISSE 1,800- - ----- 1,800 1,600- - ___________ - 1,400 - --- -____ --- 1,200 - - ---- --- 1,600 -- --- - ------ --•- ----- 1 1 400 -' ---------- 1,200 I,000-- --- -- -- •-- -- 1,000 800 - ----- - --- -- ------ 800 600 ---- --- -- -- 600 - :: NFLDPE I- ON T MAN S AS K -k-T.-N. -P-E N -E N-B QUE ALB C-B - 10 - Statistical Sumary, 19 Newfoundland Canada - TerreNeuve Prince Edward Island Nova Scotia New Brunswick Quebec - - - Ile-duPrinceEdnuard NouvelleEcosse NouveauBrunswick No . I 2 Number of members ......................... 5,454,292 1,227 Average membership in credit union 5,370 92 12,633 707 103,855 731 110,358 736 3,063,610 1,807 3 7. change in membership from previous year 4.8 3.4 11.6 2.6 6.4 3.9 4 5 EquIty and deposits .....................1,002 16.7 7. change from previous year 445 19.6 378 5.9 512 16.4 459 9.5 932 8.9 6 7 Total assets ............................ 1.024 16.1 7. change from previous year 462 20.6 569 22.8 537 15.0 480 9.6 942 9.1 8 9 Total assets ($000's) ..................... 5,587,728 7. change from previous year ............. 21.68 2,480 24.75 7,183 37.76 55,777 18.02 53,011 16.62 3,045,865 19.78 10 11 Loans outstanding ($000's) ................3,577,644 7. change from previous year ............. 18.91 2,178 24.67 6,767 40.66 45,962 16.35 38,521 17.21 1,650,116 1594 8.6 8.6 17.0 17.7 72.7 72.3 51.2 51.8 21.5 20.5 11.5 7.6 83.9 88.1 17.7 17.4 24.0 22.7 54.2 56.0 22.3 23.3 31.9 32.7 83.3 82.8 15.7 16.4 Per member As a percentage of total assets 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Cash (and demand deposits) .............. 12.1 Previous year .........................11.8 Investments ............................. 20.5 Previous year .........................18.8 Total loans ............................. 63.6 Previous year ......................... 65.5 Cash loans .............................. 33.7 Previous year ......................... 36.5 Mortgage loans .......................... 29.9 Previous year ......................... 29.1 Depoaits ................................ 67.0 Previous year ......................... 63.7 Members equities ........................ 30.8 Previous year ......................... 33.6 5.0 4.1 5.4 5.7 87.8 87.9 82.1 83.9 5.7 4.0 12.0 9.6 84.6 87.7 2.2 4.1 1.6 2.0 94.2 91.8 94.2 91.8 18.1 14.0 48.3 63.2 5.4 4.7 8.9 8.3 82.4 83.6 77.9 76.7 4.5 6.9 20.6 15.6 74.6 78.6 26 Total revenue ($000' a) .................... 419,321 247 630 5,118 4,294 217,934 21.1 130.8 37.9 14.2 18.0 27.7 54.1 Interest paid, dividends and interest rebates. Previous year ......................... 55.6 Total operating expenses including divi91.9 dends and interest rebates. 59.5 78.7 42.3 43.2 52.5 61.7 87.0 44.9 111.6 42.9 83.9 46.0 81.8 92.9 86.9 79.9 85.2 82.8 27 7. change from previous year - As a percentage of total revenue 28 29 30 31 Previous year ......................... 92.9 (1) variations in data for Msnitoba mainly due to the structural change resulting from introduction of the new provincial legis larion. - 11 - Rsumi Statiatique, 1971 Ontario Manitoba Saskatchewan British Columbia Alberta - Northwest Terntories - ColombieBritannique Terntoires du Nord-.Ouest 1,071,122 733 202,124 991 336,194 1,288 177,172 738 371,854 1.738 .. .. 4.5 8.0 5.2 11.8 8.1 .. Nombre de sociétaires ....................... 1 Nombre moyen de sociétaires des caiase 2 d'épargne et de credit. Variation en?, du nombre de sociCtairea 3 par rapport l'annee prCcCdente. Par sociCtaire 960 17.5 1,068 16.7 1,390 13.3 980 21.1 1,227 30.9 989 16.5 1,115 14.1 1,424 11.9 1,025 18.2 1,286 . . 25.8 .. 1,059,284 21.70 225,405 23.25 478,819 17.69 181,698 32.30 478,162 35.95 44 .. 825,672 17.19 172,991 16.38 284,147 10.99 136,607 27.83 389,691 34.19 30 5.8 5.2 13.8 11.2 77.9 80.9 60.6 8.6 6.4 11.3 8.9 76.7 81.3 47.2 52.1 17.4 15.1 37.4 31.2 59.7 65.1 29.5 29.1 91.5 3.6 3.3 5.3 9.2 81.5 82.6 29.8 38.7 51.7 43.9 4.3 8.0 42.5 49.1 53.9 3.8 4.2 16.2 12.8 75.2 77.8 60.4 70.4 14.8 7.4 46.2 36.3 49.4 57.0 29.5 .. 2.3 65.8 5.2 5.0 30.8 26.2 59.3 62.9 25.8 28.2 33.5 34.7 44.3 39.0 47.3 100.00 .. Liquidités (et dCpôts h vue) ..............12 Année précCdente ........................13 Placements ................................ 14 Année précédente ........................ 15 Total des préts ........................... 16 Année précédente ........................ 17 Frets en eapèce ........................... 18 Année précédente ........................ 19 Frets hypothécaires .......................20 Année precedents ........................21 DCp6te ................................... 22 Année précédente ....................... 23 Avoir des aociétaires ....................24 AnnCe précCdente ....................... 25 81,697 19,682 34.960 14,939 39,816 4 Total des recettes (milliers de $) .........26 9.5 17.9 11.4 19.3 19.2 .. .. . . .. Avoir et d6p6ta ..........................4 Variation en 7. par rapport l'annCe 5 précCdente. Actif total ..............................6 Variation en 7. par rapport l'annCe 7 prCcédente. Actif total (milliere de $) ................8 Variation en par 7. rapport I l'annIe 9 prCcCdente. Préts non remboursés (milliera de $) .. 0 Variation en par ?. rapport l'annCe 11 précédente. . ...... En pourcentages du total de l'actif 85.7 48.5 56.5 . . 68.2 . . 68.2 .. - .. . . Variation en 7. par rapport 1 l'annCe prCcCdente. 27 En pourcentages du total des recettea (1) 60.4 51.8 3.0 5 88.2 100.0 130.2 94.2 55.2 52.1 53.1 58.6 50.8 90.0 92.4 53.5 88.7 .. 1 93.1 90.7 .. - IntérCts veraCa, dividendes et 28 riatournes. Année prCcCdente ....................... 29 Total des dCpensea d'exploitation y 30 compris lea dividendea et lea ristournea. AnnCe précédente ....................... 31 Les variations aes aonnees pour le Manitoba Sont attnibuablea au changement de structure survenu en vigueur de Is nouvelle loi provinciale. I la suite de l'entrI., TAILE 1. Growth Record of local Credit Unions(l) Year(2) Ann e( 2) C.U. chartered Mbers Caisses k Sociétaires charte Average membership Increase in memberahip(3) Nombre moyen Augmentation proportionnelle du nombre de sociétaires(3) dea aociétaires Merbership as a percentage of population Proportion des aociétaires par rapport k la population No. number 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 - nombre percentage 31,752 33,279 45,767 52,045 201,137 590,794 1,036,175 1,137,931 1,260,435 1,434,270 1,560,714 1,731,328 1,870,277 2,059,835 2,187,494 2,360,047 2,553,951 2,740,251 2,879,179 3,123,735 3,418,033 3,677,291 3,859,677 4,308,439 4,632,382 4,968,802 5,203,402 5,454,292 1920 ............................... 113 1925 ............................... 122 1930 ............................... 179 1935 ............................... 277 1940 ............................... 1,167 1945 ............................... 2,219 1950 ............................... 2,965 1951 ............................... 3,121 1952 ............................... 3,333 1953 ............................... 3,606 1954 ............................... 3,920 1955 ............................... 4,100 1956 ............................... 4,258 1957 ............................... 4,349 1958 ............................... 4,485 1959 ............................... 4,570 1960 ............................... 4,608 1961 ............................... 4,682 1962 ............................... 4,767 1963 ............................... 4,809 1964 ............................... 4,870 1965 ............................... 4,939 1966 ............................... 4,934 1967 ............................... 4,911 1968 ............................... 4,861 1969 ............................... 4,769 1970 ............................... 4,595 1971 ............................... 4,444 281 273 256 188 172 266 349 365 378 398 398 422 439 474 488 516 554 585 604 650 702 745 782 877 952 1,042 1,133 1,227 - pourcentsge - - - - - - - - 1.8 4.9 7.5 8.1 8.7 9.7 10.3 11.1 11.6 12.6 12.7 13.3 14.2 14.9 15.3 16J 17.. 18. 19. 21. 22.3 23.5 24.5 25.1 - 9.8 10.8 13.8 8.8 10.9 8.0 10.1 6.2 7.9 8.2 7.3 5.1 8.5 9.4 7.6 5.0 11.6 7.5 7.3 4.7 4.8 (1) Statistics prior to 1966 taken from Department of Agriculture "Credit Unions in Canada, 1965." (2) 1920-1925 - Quebec only. 1930 - Quebec and Ontario. 1935 - Quebec, Ontario and Nova Scotia. 1940 - Exclusive of Newfoundland and Northwest Territories. 1967 - Includee all provinces. (3) This column shows the percentage change over the previous year. TABLE 2. Credit Unions, Chartered Sank Branches and Trust Company Branches by Province, 1971 Nfld. Institution P.E.I. - T. -N. - 1. P. M.B. N.S. -L Qué. - - Ont. N.-B. N.-. ND- 1 Credit unions ...................... 58 16 142 150 1,695 1,462 2 Chartered banks(1) .................116 31 205 138 1,524 2 1 34 3 Trust companies(2) .................. 5 6 22 14 62 (1) Bank Directory of Canada, Houstons Standard Publications Ltd., Toronto, August, 1971. (2) "Directory of Canadian Trust Companies" by The Trust Companies Aasociation of Canada. (3) Included are 9 in the Yukon. 290 - 13 - TAILEAC 1. Croissance des caisses locales déparge et Je crédit(L) Increase in total assets(3) Average assets per member As8et8 Actif Increase in average assetS per C.IJ.(3) Average assets per C.U. Augmentation proportionnelle de l'actif total(3) Actif moyen par caisse Augmentation proportionnelle de l'actif par caisse(3) percentage - pourcentage dollars percentage - pourcentage Actif moyen par sociétaire N° dollars 6,000,000 8,000,000 11,000,000 10,000,000 25,000,000 146,000,000 312,000,000 359,000,000 424,000,000 489,000,000 552,000,000 653,000,000 761,000,000 846,000,000 1,009,000,000 1,158,000,000 1,299,000,000 1,509,000,000 1,674,000,000 1 ,920,000,000 213,000,000 ',542,000,000 926,000,000 3,367,000,000 3,699,000,000 4,064,000,000 4,591,953,000 5,587,728,000 189 240 240 192 124 247 301 315 336 341 354 377 407 411 461 491 509 551 581 615 647 691 758 781 799 812 882 1,024 1 1 53,097 65,574 61,453 36,101 21,422 65,795 105,228 115,027 127,213 135,607 140,816 159,268 178,722 194,527 224,972 253,392 281,901 322,298 351,164 399,251 454,415 514,679 593,028 685,604 760,954 852,183 999,337 1,257,365 - 15.1 18.1 15.3 12.9 18.3 16.5 11.2 19.3 14.8 12.2 16.2 10.9 14.7 15.3 14.9 15.1 15.1 9.9 9.8 13.0 21.7 a suo eat. Lirca uc L.C5 caisses pupusires au .anaua, . culture. (2) 1920-1925 - Le Québec seulement. 1930 - Le Québec et 1 Ontario. 1935 - Le Québec, 1'Ontario et Is Nouve11e-cosae. 1940 - Non compris Terre-Neuve et lea Territoires do Nord-Ouest. 1967 - Ensemble des provinces. (3) Variation proportionnelle par rapport I l'année prdcédente. j L70j, - 9.3 10.6 6.6 3.8 13.1 12.2 8.8 15.7 12.6 11.3 14.3 8.9 13.7 13.8 13.3 15.2 15.6 11.0 12.0 17.3 25.8 - 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 puocication ou mnisrere ae LAgrl. TABLEAU 2. Caisses d'épargne et de credit, succuraales des banques I charte et des sociCtCa de fiducie, par province, 1971 Alta, Man. Saak. B.C. - N.W.T. - Aib. Canada - C. -B. Institutions T. N.-0. N!: 204 261 240 214 317 352 535 599 20 46 58 2 25(3) - 4,444 Caisses d'epargne at de credit ....... 1 6,284 Banques I charte(1) ..................2 550 SociCtCa de fiducie(2) ............... 3 tanK nrcctory or Lanaca, tioustons branaara t'Di1CLt1Ofl5 Ltd., toronto, AoOt, 1971. (2) 'Directory of Canadian Trust Companies', Trust Companies Association of Canada. (3) Dont 9 Lu Yukon. - 14 - TABLE 3. Deposits and Equity by Province per Credit Union Member - Reserves and Share capital Deposits undivided surplus - Reserves et bénéfices Capital social Dép8ts ________ non_répartis 1969 1970 1971 1969 1970 1971 1969 1970 1971 No. dollars 1 Newfoundland ....................................241 294 345 23 37 55 38 41 45 2 Prince Edward Island ............................269 259 252 51 65 103 29 33 22 3 Nova Scotia .....................................314 322 354 64 73 111 42 45 47 4 New Brunswick ..................................... 349 362 .. 33 55 •. 38 41 5 Quebec ..........................................92 91 101 639 715 828 46 50 55 6 Ontario .........................................488 503 538 210 265 370 49 50 53 7 Manitoba ........................................580 31(1) 5 193 837(1 1,021 82 47 43 8 Saskatchewan ....................................654 598 622 442 541 690 86 88 78 9 Alberta .........................................440 431 442 243 315 474 62 63 64 10 British Columbia ................................. 417 429 .. 453 726 . . 67 73 11 Northweat Territories ...........................181 .. .. - .. 6 .. 12 Canada(2) .....................................267 243 259 469 562 686 51 53 56 (1) Variations in data for Manitoba due mainly to the structural change resulting from introduction of new provincial legislation. (2) 1969 data br Canada was calculated using estimates for New Brunswick and British Columbia. TABLE 4. Rate of Growth of Book Equity by Province per Local Credit Union Member Reserves and Share capital Deposits undivided surplus Capital social Depots Reserves et bénCfices non répartJs 1969 1970 1971 1969 1970 1971 1969 1970 1971 No. percentage - pourcentage . 22.0 17.3 - 17.9 60.9 48.6 72.7 7.9 9.7 I Newfoundland ....................................17.6 2 Prince Edward Island ........................... - 7.6 3.7 - 2.7 13.3 27.5 58.5 31.8 13.8 - 33.3 .. 3 Nova Scotia ........................................3 2.5 9.9 18.5 14.1 52.0 5.0 7.1 4.4 4 New Brunswick ....................................... .. 3.7 .. . . 66.6 .. .. 7.9 ..6 15 1.1 11.0 6.0 11.9 15.8 7.0 8.7 10.0 5 Quebec ......................................... . 6 Ontario .........................................- 7.4 3.1 7.0 12.9 26.2 39.6 - 2.0 2.0 6.0 7 Manitoba ........................................- 2.2 .1(1) - 83.9 44.0 47.1(1) 22.0 9.3 - 2.7 - 8.5 8 Saskatchewan ....................................- 11.0 8.6 4.0 20.8 22.4 27.5 6.2 2.3 - 11.4 9 Alberta .........................................- 3.7 2.0 2.6 48.2 29.6 50.5 3.3 1.6 1.6 . .. 2.9 10 British Columbia ................................... . .. .. 60.3 .. ..7 . . . . - .. . . - 57.0 11 Northwest Territories .......................... 12 Canada(2) ..................................... .. 9.0 . . 7.9 9.0 6.6 9.8 19.8 22.1 4.1 3.9 5•7 (1) Adjusted to reflect real growth (see footnote no. 1, table 3 above) (2) 1969 data for Canada was calculated using estimates for New Brunswick and British Columbia. - - iA$L.EAI i. Avoir er dipots par provi tire, par socitaire, des cii sacs locales Total equity and deposits Total assets Total de l'avoir et des d6p6ts Actif total 1969 I 1970 I 1971 1969 _F 1970 I 1971 No. dollars 302 372 445 321 383 462 Terre-Neuve ................. ................... 349 357 378 394 463 569 11e_du-Prince_douard ............................2 421 440 512 445 467 537 Nouve1ie-cosse ..................................3 419 459 438 480 Nouveau-Brunswick ............................... 777 856 983 784 863 994 Québec ...........................................5 747 817 960 789 849 989 Ontario ..........................................6 856 915 1,068 917 977 1,115 Manitoba .........................................7 1,182 1,227 1,390 1,269 1,273 1,424 Saskatchewan .....................................8 745 809 980 804 867 1,025 Alberta ..........................................9 937 1,227 1,022 1,286 Colombie_Britannique ............................ . . 0 .. .. 199 787 4 Territoires du Nord-Ouest ........................ 11 199 1,002 858 .I 817 882 1,024 Canada(2) ...................................... 12 'l Les variations des données pour le Manitoba sont attribuables aux changements de structure survenu a Is suite de 1 entrée en vigueur de is nouvelle loi prov nciale. alculAes a partir destitnées pour le Nouveau-Brunswick et is di Los données de 1969 pour le Canada oat été Colombie-Britannique. TABLEAU 4. Taux de croissance de l'avoir cotaptable, par province, par sociétaire, de caisses locales Total assets Total equity and deposits Total de l'avoir et des depOts 1969 Actif total 1971 1970 1970 1969 j 1971 No percentage - pourcentage - 17.5 23.2 19.6 16.7 19.3 20.6 Terre-Neuve ....................................... 1 - 2.8 2.3 5.9 - 2.5 17.5 22.8 11e-du-Prince-douard ............................2 3.4 4.5 16.4 1.8 4.9 15.0 Nouvel1e-cosse ................................. 9.5 .. 3 .. 9.6 Nouveau-Brunswick ................................4 2.9 10.2 14.8 3.0 10.1 15.2 Qu ébec ...........................................S - 2.1 9.4 17.5 - 2.4 7.6 16.5 Ontario ..........................................6 6.8 6.9 16.7 3.7 6.5 14.1 Manitoba .........................................7 - .1 3.8 13.3 - .9 .3 11.9 Saskatchewan .....................................8 9.2 8.6 21.1 7.9 7.8 18.2 Alberta ..........................................9 25.8 Colombie-Britannique ............................ . . 0 . . Territoires du Nord-Ouest ........................ II 16.1 Canada(2) ..................................... 12 30.9 1.7 .. .. .. . . .. 3.7 9.0 16.8 2.3 8.0 11 hiffres ajustés de facon Ii exprimer la croissance réelle (voir note 1 tableau 3) (2) Les donnéea de 1969 pour Ic Canada ont ete calculées a partir d'estimées pour Ic Nouveau-Brunswick et is Coloinbie-Britannique. - 16 - TABLE S. Membership in Local Credit Unions, 1971 Nfld. P.E.I. N.S. N.S. Oat. Qué. T.-N. 1. P.-. N.-. N.-B. No number - noinbre 1 Number of members beginning of year ............. 5,195 11,322 101,220 103,709 2,947,406 1,025,235 2 Increase in members during the year ............. 175 1,311 2,635 6,649 116,204 45,887 3 Number of members at end of year 5. 370 12,633 103,855 110,358 3,063,610 1,071,122 4 Average membership in credit unions .92 707 731 736 1,807 733 I 3 . 4 1 11.61 2.61 6.4 3.9 4.5 ............... 5 IChanze in membership over previous year ........ TABLE 6. Local Credit Unions chartered in Canada, 1971 Nfld. P.E.I. - N.S. - N.B. - - No. - number Qué. . Oat. noinbre Number of credit unions I 2 3 4 5 6 7 8 9 Reporting .......................................21 Not reporting ................................... 7 Inactive ........................................30 Total chartered ............................... Credit unions chartered beginning of year Add: Charters issued during fiscal year Deduct: Charters cancelled during fiscal year 58 58 2 - 1,644 37 14 44 150 1,695 1,462 20 147 157 4 5 7 1,692 3 1,547 9 94 1,695 1,462 58 16 - - 142 - ....................... 150 140 16 - Credit unions chartered end of year Change from previous year 16 - - - 4 - 142 150 - - 5 - + 7 3 - 85 TABLE 7. Local Credit Unions Classified by Asset Size, 1971(1) Nfld. P.E.I. N.S. N.B. T.-N. 1. P.-. N.-E. N.-B. - xg- - - - number - Qué. Oat. nombre Aiunt of total assets 1 2 3 4 5 6 7 8 Under $100,000 ................................... 53 $ 100,000-$ 249,999 ............................ 1 250,000- 499,999 ............................ 3 500,000- 999,999 ............................ 1 1,000,000- 2,499,999 ........................... 2,500,000- 4,999,999 .......................... 5,000,000 and over ............................. Total ......................................... 1) Non-reporters not included are: 58 Ontario 374; Saskatchewan 2. 5 4 2 1 4 - 16 72 33 15 13 4 4 I 142 48 38 32 18 14 - 150 205 232 278 311 341 179 149 1,695 336 277 148 135 io: 34 1, - 17 - AILEAN 5. Noibre de socitaires des caisses locales d'épargne ci de credit, 1971 Alta. B.C. N.W.T. - - - Canada C.-B. T. N. -0. Man. I Sask. N° number - nombre 187,225 319,656 158,413 344,021 .. 5,203,402 14,899 16,538 18,759 27,833 .. 250,890 202,124 336,194 177,172 371,854 .. 5,454,292 991 1,288 738 1,738 .. 1,227 8.0 5.2 11.8 8.1 .. 4.8 Nombre de aocidtairea *u debut de l'annCe Augmentation du nombre de soctdtairea ......... 1 ............. Nombre de sociétaires 1 1a fin de l'annCe ....... . 2 3 Nombre tyen de sociCtaires des cats... d'epargne et de crddit. 4 Variation du nombre de eociCtatres par rapport a l'annCe prdcddertte. 5 TABLEAU 6. Caisses locales d'epargne et de credit, I charte, Canada 1971 Alt.. B.C. N.W.T. Man. Sask. - - - Canada Aib. C.-B. T. N.-0. - Nombre des caissea d'Cpargne et de credit 259 - 235 213 - - 2 5 1 204 261 240 214 221 266 1 18 5 253 13 232 1 19 204 261 240 214 - 17 - 5 - 13 - 18 - 2 3,972 374 98 2 4,444 2 4,595 14 165 - 2 - 4,444 - 151 DCclarantes ......................................I Non ddclarantea ..................................2 Inactive ........................................3 Total dci caisses i charte .................... Caisaea I charte au dCbut de l'annCe Ajouter: Chartes dmiaes en 1971 Deduire: Chartes annulCea en 1971 . 4 ............. .................. ................ Caisses a charte I Ia fin de l'annCe Changement par rapport 1 1970 5 6 7 ........... 8 .................... 9 TABLEAU 7. Classement des caisses locales d'epargne et de credit suivant l'actif, 1971(1) Alt.. B.C. N.W.T. Man. Sask. - - - Canada Alb. C.-B. I. N-a. No number - nonibre Mantant de l'actif total 46 15 31 27 34 37 69 I 72 22 17 259 iffres ne tier 161 35 19 10 6 2 7 45 34 33 25 24 26 27 - 2 2401 2141 2 988 712 601 619 602 304 242 Moms de $100,000 ................................I $ 100,000-$ 249,999 2 250,000- 499,999 ............................3 500,000. 999,999 4 1,000,000- 2,499,999 5 2,500,000- 4,999,999 6 5,000,000 at plus 7 ............................. ............................ ............................ ............................ ............................... I 4,068 1 Total pea compte des caisses non dCclarantes: ........................................ 374 en Ontario; 2 en Saskatchewan. I 8 - 18 - 1A8i8 8. I.a1 credit i nions C1assJed by Type of AssocLat ion, 1971 Type Mid. P.E.I. N.S. N.B. - - - - Qué.(i) Ont. T. -N. I. P.-E. N. -E. N. -B. number - nombre Residential 1 2 3 Rural ............................. .49 Urban ............................ ..Other ............................. .1 5 3 8 4 Total .......................... ..50 16 72 25 81 24 - - 791 770 134 138 54 83 97 105 1,695 275 - 38 - - 28 4 1 - - - .. .. .. .. 670 27 26 148 - 38 33 .. 871 .. .. 55 180 .. .. 18 Occupational S 6 7 8 9 Employer .......................... .6 Profession ........................ .2 Trade union ....................... Other ............................. Total .......................... - 8 Associational 10 11 12 13 14 Racial ............................ Religious ......................... Fraternal ......................... Co - operative ...................... Other ............................. - 15 Total ........................... - 16 - - - - - - - - 16 9 - 3 - 7 12 . . 272 142 150 1,695 1,418 - Total ......................... 58 - 7 - (1) Breakdown into occupational groups not available for Quebec. TABLE 9. Loans Made by Local Credit rJniona(1) Year 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 P.E.I. Nfld. - - Année T. -N. 1955 .....................200 1956 .....................200 1957 ..................... 300 1958 .....................300 1959 ..................... 300 1960 ..................... 300 1961 ..................... 400 1962 ..................... 400 1963 ..................... 470 1964 .....................518 1965 ..................... 710 1966 .....................815 1967 ..................... 846 1968 ..................... 1,069 1969 ..................... 1,267 1970 ..................... 1,573 1971 .....................1,906 LJS7UUL.eaeLLsLLfla N.S. - , UUjJLL,IL Ut 800 700 300 800 900 1,000 800 800 1,100 1,400 1,700 1,729 2,263 2,680 2,272 5,004 4,106 .. 12.5 - 57.1 166.7 12.5 11.1 - 20.0 0.0 37.5 27.3 21.4 1.9 30.9 15.6 - 15.2 120.2 18.0 - Qué. - t. P.-E. .. 0.0 50.0 0.0 0.0 0.0 33.3 0.0 17.5 10.2 37.1 14.8 3.8 26.4 18.5 24.1 21.2 N.B. - N. -E. 5,500 6,100 6,900 8,900 10,200 10,900 11,400 12,900 20,000 21,700 25,293 26,607 28,552 N.-B. .. 10.9 13.1 29.0 14.6 6.9 4.6 13.2 55.2 8.5 16.6 5.2 7.3 . . -. 36,282 agriculture, urtuir .. UfliOns in . . . . . . . . t.anaaa, Notes: $ - Figures in these columns are in thousands of dollars. 7. - Figures in these columns represent the percentage change over the previous year. 4,900 5,700 6,500 6,200 7,200 7,600 8,100 9,100 9,300 10,500 11,800 13,636 14,759 16,551 17,510 18,345 23,823 lYb) .. 16.3 14.0 - 4.6 16.1 5.6 6.6 12.3 2.2 12.9 12.4 15.6 8.2 12.1 5.8 4.8 29.9 112,600 113,300 135,000 151,300 166,600 149,600 217,800 252,600 295,100 345,300 418,200 466.108 499,032 572,508 591,361 686,582 1,043,934 - 18.4 1.3 12.1 10.1 10.0 45.6 16.0 16.8 17.0 21.1 11.5 7.1 14.7 3.3 16.1 52.2 - - Alta. B.C. N.W.T. Man. Seak. - - - Canada Alb. C. -B. T. N. -0. Genre number - nombre Lieu de residence 93 6 208 12 79 25 - 99 220 - 104 .. .. . . .. .. . . 1,516 919 226 Rural ............................... 1 Urbain ............................ 2 Autre ..............................3 .. .. 2,661 Total ............................4 Profession 51 25 2 - 2 - 62 32 .. 1,124 Total ............................9 .. .. - .. - - .. 27 94 .. 53 .. Employeur ...........................5 Profession .........................6 Syndicat ............................7 Autres ............................ 8 .. .. - 880 67 29 148 .. Association 7 5 7 10 - .. 67 261 27 24 18 Ethnique .......................... .0 Religieuse ......................... 11 Mutuelle ............................12 Cooperative ........................ 13 Autrea ............................. 14 Total ............................ 15 .. .. .. .. - 24 18 .. .. - - .. .. - - .. 12 42 . . .. 397 259 240 .. .. 4,182 - Total .......................... 16 (1) La repartition par association professionnelle n'est pas disponible pour le Québec. TABLEAU 9. PrCts consentis par lea caiase d'épargne et de credit localea(1) Alta. Ont. Man. Sask. B.C. - N.W.T. - Aib. Canada - T. N. -0. C. -B. No ___ _______ 7. 70,900 81,700 99,100 116,500 141,300 154,500 165,800 204,200 218,400 270,800 298,200 327,900 309,784 374,107 7404,098 50505 tt92,453 .. 15.2 21.3 17.6 21.3 9.3 7.3 23.2 7.0 24.0 10.1 9.9 -5.8 20.8 8.0 36.2 25.8 10,900 13,900 16,200 20.400 26,200 30,000 34,700 39,600 49,800 58,800 65,672 75,433 84,270 91,685 98,930 98,896 117,048 .. 27.5 16.5 25.9 28.4 14.5 15.7 14.1 25.8 18.1 11.7 14.9 11.7 8.8 7.9 0.0 18.3 La staciscique anterteure a 15,600 17,800 20,700 25,700 37.600 43,600 51,300 67,900 84,500 102,900 129,066 131,071 166,249 168,862 148,169 146,876 193,161 .. 14.1 16.3 24.2 46.3 16.0 17.7 32.4 24.4 21.8 25.4 1-6 26.8 1.6 12.3 - 0.9 31.5 8,800 10,600 11,700 14,800 17,700 20,000 23,900 32,200 30,390 34,801 38,610 42,907 53,540 63,410 63,223 75,338 109,982 .. 20.5 10.4 26.5 20.0 13.6 18.9 34.7 - 5.9 14.5 10.9 11.1 24.8 18.4 -0.3 19.2 46.0 29,800 39,700 48,100 46,200 64,700 63,600 64,500 56,600 62,900 71,900 88,900 140,335 163,750 190,679 164,917 161,930 276,292 .. 33.2 21.2 - 4.0 40.0 - 1.7 1.4 12.2 11.1 14.3 23.6 57.9 16.7 16.4 13.5 - 1.8 70.6 tbb eat tiree de Lea caisse populatrea au Canada, I'Agriculture. Nota: $ - En milliera de dollars. 7. - Variation proportionnelle par rapport A l'année précédente. 1b), - - - - - - - - - - - - - - - - - - - - - - - - - - 30 - .. .. .. . . .. .. 260,000 309,700 344,800 391,100 472,700 481,200 578,700 676,300 771,960 918,619 1,078,151 1,226,541 1,323,045 1,482,003 1,525,655 1,781,331 2,462,705 publication du miniatere Os .. 19.1 11.3 13.4 20.9 1.8 20.3 16.9 14.1 19.0 17.4 13.8 7.9 12.0 2.9 16.8 38.2 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 - 20 - TA8LE 10. Statements of Loan Accounts of Local Credit Unions, Nfld. P.E.I. N.S. N. 8. - - - - - Qué. Ont. T.-N. I. P.-E. N.E. N.-B. cnousanos or aoj.Iars - ml.LLlers ae aoiiars Amount of loans: Caeh loans: 1 Loans in force beginning of year 2 Loans made during year 3 Loans repaid during year 4 Loans in force end of year 1,662 1,815 1,441 2,036 ................. ........................... ......................... ....................... Mortgage loans: 5 Loans in force beginning of year 6 Loans made during year 7 Loans repaid during year 8 Loans in force end of year 79 91 28 142 ................. ........................... ......................... ....................... 4,811 36,246 .. .. .. 6,767 - 43,447 23,550 19,435 15,838 27,147 589,281 589,919 499,275 679,925 572,957 590,692 522,198 641,451 3,257 .. .. 2,515 9,314 4,388 2,328 11,374 833,936 454,015 317,760 970,191 131,623 101,761 49,163 184,221 39,503 32,864 23,823 18,166 38,521 1,423, 217 1,043,934 817,035 1,650,116 704,580 692,453 571,361 825,672 . . Total loans (cash and mortgage): 9 Loans 10 Loans 11 Loans 12 Loans in force beginning of year made during year repaid during year in force end of year ....................... 1,741 1,906 1.469 2,178 13 Loans over 90 days in arrears ........................ 49 1,049 10,622 14 Loans written off during year ........................ 2 29 2,311 ................. ........................... ......................... 15 Loans recovered during year 4,811 4,106 2,150 6,767 45,962 4 .......................... Average size of loan made: 16 Cash loans 17 Mortgage loans 440 637 1,526 1,1! 3,994 7,647 10, 452 637 712 2,341 1,284 number - • nombre ......................................... 18 Total ..................................... ............................................ No. of loans made during the year: 19 Cash loans 20 Mortgage loans 4,126 6,441 386,607 529,813 23 59,368 9,400 4,149 6,441 33,439 445,975 539,213 ......................................... ..................................... 21 Total (cash and mortgage) ........................ Selected ratios: 22 23 24 25 Reserves to loans outstanding 10.65 Shares and deposits to loans outstanding ............98.76 ....................... Total ............................................ Members' equities to loans outstanding . . . 09.41 3.50 66.35 6.35 10.35 25.02 119.65 69.85 31.37 7.71 6.20 172.44 113.75 130.00 180.15 119.95 96.28 51.25 90.60 115.51 28.93 76.65 Cash loans 82.10 Mortgage loans ......................................5. 73 94.21 77.89 51.21 4.51 21.46 22.32 60.56 31.86 17.39 87.83 94.21 ................ Loans outstanding to total assets: 26 27 28 .......................................... Total ............................................. 29 Per cent loans written off to loans outstanding 30 Rate of return on members' equitiea(2) ................ - .09 7.06 8.72 72.67 54.18 77.95 .87 .08 .28 82.40 4.80 4.88 4.31 (1) Manitoba includes estate endowment loans in cash loans. (2) Rate of return on members' equities is defined as: interest on deposits + dividends + interest or p tronage rebates transfers to reserves, divided by share capital + reserves + deposits + undivided surplus. - 21 - I \I1EAU Ii. Etts des c spiSs de prêls des c31sses lals d pirgne Ct de it, 1971 Alta. B.C. N.W.T. Sask. - - - Canada Alb. C.-B. T. N.-0. Man.(l) thousands of dollars - milliers de dollars Montant des prts: 95,331 114,721 • . .. 106,408 123,582 53,315 141,296 66,583 160,565 136,159 . . 1,660,209 142,575 30 1,883,024 21,373 22,916 17,338 26,951 154,240 . . 1,348,433 247,116 .. 1,669,658 . . 3,008,642 30 3,552,682 Pr8ts sur reconnaissance de dette: PrBts en cours au debut de l'annee ................... 1 PrBts consentis su cours de 1ann6e .................. 2 PrBts remboursCs au cours de l'année ................. 3 PrBts en cours a la fin de l'annee .................. 4 Prèts hypothécaires: PrBts en cours au debut de l'annfe ................... 5 PrBts consentis au cours de l'année ................. 6 PrBts remboursCs au cours do l'année ................. 7 PrBts en cours is fin de l'année ................... 8 Total des pr8ts: (sur reconnaiasaacea de dette et hypothques): PrBts en cours au debut de l'nrinée .................. 9 PrBts consentis au cours de 1ann6e ................ 10 PrBts remboursés au cours de l'annCe ................ 11 PrBts en cours h la fin de l'annCe .................. 12 106,864 109,982 80,239 136,607 290,399 276,292 177,000 389,691 3,698 13,881 Arriérés de plus de 90 jours ............................ 13 652 635 1,025 Pr6ts radiés au cours de l'année ........................ 14 26 133 83 PrBts recouvrés au cours de l'annCe ..................... 15 148,646 256,017 117,048 193,161 92,703 165,031 172,991 284,147 • . 85,491 87,066 62,901 109,656 Valour moyenne des prêts consentis: 1,128 4,021 .. .. 1,759 1,577 .. number • Pr8ta aur reconnaissance de dette ..................... 16 PrBts hypothécaires ................................... 17 - 3,745 nombre .. - Total ............................................... 18 Nombres de prts consentis au cours de l'année: 62,943 103,336 3,612 19,018 . . . . . . • . 66,555 122,354 •. 106,778 Pr8ta sur reconnaissance de dette ..................... 19 Pr8ta hypothCcaires ................................... 20 . Total des prBts (sur reconnaissance de dettes et 21 hypothécairea). Certains rapports: 4.98 4.70 119.86 155.23 4.88 118.72 3.74 110.17 6.66 126.67 6.45 151.65 Reserves aux prBta en cours .......................... 22 Actions et dCp8ts aux prBts en cours ................. 23 124.84 159.93 123.60 113.91 133.33 158.10 Total ............................................... 26 5.55 82.79 65.65 47.83 146.67 48.50 Avoir des sociCtaires aux prBts en cours ................ 25 Prèts en cours l'actif total: 47.21 25.81 29.54 33.53 60.35 14.83 29.82 51.68 68.18 76.75 59.34 75.18 81.50 68.18 .23 .46 .26 4.45 5.11 4.84 • - 33.7 29.9 PrBts sur reconnaissance de dette ..................... 26 PrBts hypothecaires ................................... 27 63.6 Total .............................................. 28 Pourcentage des prBts radiés par rapport aux prBts en cours. 2.27 4.61 29 Taux de rendement de i'avoir des sociétaires(2) ........ 30 Manitoba, les prBts sur reconnaissance de dette comprennent dgalement les prêts aur successions ou dotstiona. (2) Le taux de rendement de lavoir des sociétaires eat le résultai • de l'opération suivante: (interBt des dépôt + dividendea + ristournea + virements aux reserves) (capital social + réa rves + d4p8ts + bênéfices non repartis). - 22 - TABLE U, Purpose of Loans, 1971 Medical - Consoli- Auto- dation mobile Invest- and of debt purchases meats Education dental Holidays Taxes No Consoli- Achats Place- fducation Some Vacances lmpôts datior, d'auto- meats médicaux et taxes et dende dettea mobile taires thousanda of dollars - milliers de dollars Newfoundland ICash loans 2 3 ................................... Mortgage loans Total .......................... 521 508 100 10 16 93 ......- ...................................... 521 508 786 1,090 100 10 16 93 Prince Edward Island 4 Cash loans 5 Mortgage lo&ne 6 Total ................................... .......................... 71 40 36 13 29 ......- 71 40 13 29 36 786 1,090 2,845 6,682 ...................................... New Brunswick 7 Cash loans 8 Mortgage loans 9 Total .................................. ................................ 335 399 104 436 251 104 436 48 242 3,087 6,682 ..106,038 154,771 ..................................... 383 399 Quebec 10 Cash loans 11 Mortgage loans ...........................43,107 12 Total .............................. ................................. . . 49,145 8,818 14,006 24,716 6,424 6,591 469 343 15,428 6,767 14,006 9,287 24,716 165,199 6,591 Manitoba 13 Cash loans 14 Mortgage bane 15 Total ................................ 15,267 19,987 3,420 942 18,687 20,929 21,740 23,987 ............................. .................................... 1,953 101 764 198 1,842 956 47 9 62 96 2,054 811 207 1,904 1,052 Saskatchewan 16 Cub loans 17 Mortgage loans 18 Total 39,241 2,436 2,124 170 1,052 1,313 706 2,812 45 10 127 269 26,799 2,169 180 3,142 1,440 1,321 14,548 22,470 ................................. ............................. ................................... 17,501 Alberta 19 Cash loans 20 Mortgage loans 21 22 Total ................................ .......................... 1,274 369 358 2,673 1,018 ......- 14,548 .................................... Total ................................ 226,015 1, 01 2,673 358 243,677 13,473 28,600 7,645 12,9 20,623 22,470 1,274 369 1. ;r Estate Home Real Operating or endowrepairs estate Equipment expenses Other ment - - - - - - Total Reps- Inineuble Materiel Dépenses Autrea flotations rations d'exploi ou suede mai eon tation cessions thousands of dollars - milliers de dollars Terre-Neuve 216 118 90 29 - 91 - - 216 209 90 29 114 - 1,815 Prêts sur reconnaissance de dette ...........1 - - 91 Préts hypothécaires ......................... 2 114 - 1,906 Total ..................................... 3 Ile-du-Prince-douard 168 816 332 238 487 - - - - - - - 168 816 332 238 487 - 4,106 - 4,106 PrCts Bur reconnaissance de dette .......... 4 Préts hypothecsires ......................... 5 Total .................................... 6 Nouveau-Brunswick ,325 2,212 1,770 1,536 1,543 - 19,435 Prêts our reconnaissance de dette ........... 7 367 3,265 24 6 433 - 4,388 Préts hypothécaires ......................... 8 1,692 5,477 1,794 1,542 1,976 - 23,823 Total .................................... 9 Québec 56,740 36,644 75,821 93,699 36,531 351,434 8,345 3,358 93,271 388,078 84,166 97,057 5,651 - 5,651 - 589,919 PrCts cur reconnaissance de dette .......... 10 - 454,015 Préta hypothécaires ....................... 11 - 1,043,934 Total .................................... 12 Manitoba 4,277 6,656 9,864 21,357 11,490 891 14,505 894 1,268 79 5,168 21,161 10,758 22,625 11,569 123 94,734 Prêts our reconnaissance de dette .......... 13 - 22,314 PrCts hypothécairea ........................14 123 117,048 Total .................................... 15 Saskatchewan 2,399 6,835 16,813 34,017 3,629 - 116,515 Frets sur reconnaissance de dette ......... 16 1,387 37,378 5,798 10,179 261 - 76,473 PrCts hypothecairea ....................... 17 3,786 44,213 22,611 44,196 3,890 - 192,988 Total ................................... 18 Alberta S,768 - 110,069 - 22,916 8,327 - 8,491 - 21,770 - - 87,066 PrCts sur reconnaissance de dette ......... 19 - 22,916 Frets hypothécaires ....................... 20 109,982 Total ................................... 21 1,493,787 Total ................................. 22 22,916 8,327 8,491 21,770 - 482,870 128,078 174,178 45,457 123 TAFSTP I 7. Porpose of loans Made as a Percentage of Total Loans, 1971 Consolidation of debt Consolidation de dettes Automobile purchases Achats d automobile - 3 4 5 6 7 8 9 Newfoundland Cash loans ............................... 27.33 Mortgage loans .............................. - Education Medical and dental - Holidays Soina PlaceEducation Médicaux ments et dentaires I I percentage - pourcentage No. 1 2 Investments 26.65 -. Vacances Taxes Imp8ts et taxes - 5.25 5.25 .84 4.88 .53 1.73 .97 .84 - 4.88 - .53 - - 27. 33 26.65 - Prince Edward Island Cash loans ............................... 19.14 Mortgage loans .............................. - 26.55 .71 .88 .32 - - - - - Total ................................. . Total ................................. . - 19. 14 26.55 .71 .88 .32 1.73 .97 New Brunswick Cash loans ............................... 11.94 Mortgage loans ............................ 1.02 28.05 1.41 .20 1.67 .44 1.83 - - - 1.04 .01 .44 1.83 1.05 .84 .05 Total ................................. . - . 2.96 28.05 1.61 1.67 Cash loans ................................10.16 Mortgage loans ...........................4.13 14.82 1.00 .63 2.37 .62 1.34 - - .03 - . 4.29 15.82 .63 2.37 .65 1.34 13 14 Manitoba Cash loans ...............................13.04 Mortgage loans ...........................2.92 . 17.08 .81 1.67 .09 .65 .04 .17 .01 1.57 .05 15 Total ................................. .5.96 17.89 1.76 .69 .18 1.62 .90 16 17 Saskatchewan Cash loans ...............................11.26 Mortgage loans .......................... . .9 .07 12.43 1.46 1.26 .37 1.10 .02 .09 .00 .68 .06 .55 .14 Quebec 10 11 12 Total ................................. . 18 Total .................................. 20.33 13.89 1.63 1.12 .09 .74 .69 19 20 Alberta Cash loans ............................... Mortgage loans ........................... 13.23 - 20.43 1.16 .34 .33 2.43 .93 - - - 21 Total ................................. 13.23 20.43 1.16 .34 .33 2.43 .93 22 Total ............................... 15.13 16.31 .90 1.92 .51 1.38 .87 - - - ThBLE 13. Schedule of Interest and Dividend Rates of Local Credit Unions, 1971 Nfld. - 1.-N. P.E.I. - N.S. N.B. - -, 1. P.-E. percentage - I 2 Interest rate charged Non-mortgage loans ....................... 10.1 Mortgage loans ............................ 9.0 3 4 5 6 Interest or dividend rate paid Ordinary deposits ......................... 5.0 Term deposits ............................. 7.0 Shares .................................... 5.0 Patronage or interest rebatea(1) 19.0 } Qué. Ont. N.-E. 12.0 6.5 7.5- 8.0 4.0- 6.0 6.0-15.0 I) Patronage or interest rabates shown as per cent of interest charged on loans. pourcentage 6.0-12.0 .. .. .. .. .. 0.0- 7.0 4.0- 9.0 0.0- 7.0 0.0-30.0 .. 120 9.7 .. .. id. - 25 - 1A3LEAI' 12. But des pr4ts consent is, en pourcentae du tntI des pr , 1971 Home repairs Real estate - Equipment Operating expenses - - - Réparations de maison limneuble Matrie1 11.33 4.72 11.33 10.96 4.72 1.52 4.09. 19.87 8.09 5.80 - Dotations ou auccessions - 95.23 4.77 Terre-Neuve PrBts sur reconnaissance de dette ........... 1 PrBts hypothécaires ......................... 2 5.99 - 100.00 Total ..................................... 3 11.85 - 100.00 he.du_ Prince-douard PrBts sur reconnaissance de dette ........... 4 PrBts hypothécaires ......................... 5 1.52 - - Total - Autrea - pourcentage 6.19 4.77 - Other - Dépenses dexploitation percentage Estate or endowment - - - 5.99 - - - - 4.09 19.87 8.09 5.80 11.85 - 100.00 Total ..................................... 6 5.56 1.54 9.29 13.70 7.43 .10 6.44 .03 6.48 1.82 - 81.58 18.42 Nouveau-Brunswick PrBts sur reconnaissance de dette ........... 7 Prêt hypothécatres ......................... 8 7.10 22.99 7.53 6.47 8.30 - 100.00 Total ..................................... 9 5.44 3.50 3.51 33.66 7.26 .80 8.98 .32 .54 - - - 56.51 43.49 Québec Prêta sur reconnaissance de dette .......... 10 Préts hypothécaires ........................ 11 .94 37.17 8.06 9.30 .54 - 100.00 Total .................................... 12 1.65 .76 5.69 12.39 8.43 .76 18.25 1.08 9.82 .07 .10 80.94 19.06 Manitoba Prêts sur reconnaissance de dette .......... 13 Pr8ts hypothécaires ........................ 14 4.41 18.08 9.19 19.33 9.89 .10 100.00 Total .................................... 15 1.24 .72 3.54 19.37 8.71 3.01 17.63 5.27 1.88 .14 60.37 39.63 Saskatchewan Frets aur reconnaissance de dette .......... 16 PrBts hypothécairea ........................ 17 1.96 22.91 11.72 22.90 2.02 100.00 Total .................................... 18 7.57 7.72 19.78 - 79.16 20.84 Alberta PrBta sur reconnaissance de dette .......... 19 Pr8ta hypothécaires ....................... 20 - 100.00 Total ................................... 21 .01 100.00 Total ................................. 22 5.24 - 20.84 - - - - - - 5.24 20.84 7.57 7.72 19.78 7.37 32.33 8.57 11.66 3.04 TkBLEAU 13. Taux d'intérCt et de dividende des caissea locales dépargne et de credit, 1971 Alta. Sask. Man. B.C. - - AIb. percentage • . - • • • . - c.-B. N.W.T. - T. N.-O. N° pourcentage 7.0-12.0 6.0- 9.5 11.0 7.0 2.0- 6.0 5.0- 8.0 2.5- 6.0 3.0-25.0 - 6.7 5.7 8.0 .. .. .. .. Taux d'intérCe demandé Frets autres que préta hypothCcaires ............ ..I Frets hypothCcaires .............................. 2 .. .. .. .. .. .. .. .. Taux dintérBt ou de dividende Dépôts ordinaires ................................ 3 Dépôts a tense ................................... 4 Actions ..........................................5 Ristournes(1) .................................... 6 ii '.rcn ::e des ristournes par rapport aux taux dintérCt demandé. - 26 - TABLE 14. Employees of Local Credit Unions, 1971 Nfld. P.E.I. N.S. Que. T.-N. 1. P.-E. N.-E. N.-B. er - ombre I Full time (salaried) 2 Part time (salaried) 3 Voluntary 4 24 163 103 121 140 15 6 467 258 13 - ........................... ........................... ...................................... 4 Total 32 30 ........................................ Per Active Credit Union: 5 Full time (salaried) 6 Part time (salaried) 7 Voluntary ......................... ......................... .................................... 8 Total ...................................... 10,468 1,854 2,032 1,387 1,100 1.158 14,354 3,645 751 I 501 6.2 1.0 1.1 .8 1.2 .8 1.2 .7 1.5 .1 .9 .4 .9 .5 1.7 3.3 .5 5.4 3.3 1.9 1.1 Ont. 8.5 2.6 TABLE 15. Loans made by Central Credit Unions, 1965-1971(1) Centrals 1965 1966 1967 Centrales s of dollars - milliers de dollars Newfoundland - Terre-Neuve 1 Terra Nova Co-operative Credit Society Ltd ..................... 83 115 ....................................... 8 11 12 2,536 2,353 2,95h 229 1,898 116 2,756 116 1,823 742 335 16,243 815 510 23,579 1,401 600 24,321 16,383 25,130 197 170 11,239 30,400 129 141 17,133 29,920 173 39 ........... 9,568 727 8,624 641 13,644 756 .............................. 114,502 120,166 155,971 5,867 6,735 9,225 56,324 62,462 68,826 253,571 271,891 PrinceEdwardIsland - Ile-du-Prince-Edouard 2 P.E.I. Credit League Ltd NovaScotia - Nouvelle-Ecosse 3 N.S. Credit Union League ....................................... NewBrunswick - Nouveau-Brunswick 4 Brunswick Credit Union Federation 5 La Fédération des Caisses Populaires Acadiennes .............................. ................ Québec 6 Féddration des Caissea d'Economie do Québec 7 La Fédération de Montréal des Caisses Desjardins 8 La Fédération des Caisses Populaires Deajardina 9 Quebec Credit Union League(2) 10 Fédération desCaisses d'tablisserent do Québec 11 Fédération des Caisses dEntraide Economique du Québec .................... ............... ................ .................................. ............... ......... Ontario 12 Ont. Credit Union League 13 Ont. Co-operative Credit Society 14 La Caisse Régionale Nipisaing Sudbury 15 La Fédération des Caisses Populaires (C.F.) de l'Ontario Ltée ....................................... ............................... .......................... Manitoba 16 Co-operative Credit Society of Manitoba 17 La Centrale des Caisses Populaires du Manitoba C.U.S ........................ Saskatchewan 18 Sask. Co-operative Credit Society Alberta 19 Credit Union Federation of Alberta Ltd ......................... BritishColumbia - Colombie-Britannigue 20 B.C. Central Credit Union ...................................... 21 Canada ....................................................... (1) Statistics prior to 1966 taken from Department of Agriculture, "Crec it Unions in Canada, 1965". (2) Amalgamation of Quebec Central Credit Union and Quebec Credit Union League and Cendel Federation, January 1, 19. 328.' . I •Jta. B.C. N.W.T. iask. - - - Canada AIb. C.-B. T. No number - nombre 421 216 - 927 217 361 .. . . .. . . .. ,. .. .. .. .. 643 1,505 1.8 .9 . . . . - 4.4 1.0 1.7 .. .. 2.7 7.1 . . . . Plein temps (appointé) ............................ 1 Temps partiel (appointé) .......................... 2 Bénévole .........................................3 Total ..........................................4 Par caisses d'épargne et de credit actifa: Plein telnps (appointd) .........................5 Temps partiel (appointé) ........................6 Bénévole .......................................7 Total ........................................ 8 TABLEAU 15. Prets consentis par lea Caissea centrales d'épargne et de credit, 1965-1971(1) 1968 1969 1970 thousands of dollars 311 - 1971 - Variation proportionnelle de 1971-1970 percentage - pourcentage milliers de dollars N o 353 1,104 212.75 1 973 1,085 11.51 2 2,393 2,639 1,795 31.98 3 1,535 212 978 116 1,521 149 2,028 28.45 33.33 4 5 1,654 27,067 2,539 1,749 22,864 .. 820 36,517 2,147 2,264 1,000 29,309 1,239 .. 21.95 19.74 42.29 6 7 8 9 10 11 - 23.42 17.85 59.69 61.26 12 13 14 15 - 46.27 51.27 16 17 4.31 18 129.83 19 12.47 20 2.29 21 • - Percentage change 1971 over 1970 . . - 12,975 10,907 4,206 208 16,126 11,195 3,401 746 18,059 8,158 3,845 222 22,289 9,614 1,550 86 17,214 400 13,916 .. 10,884 550 15,920 268 202,577 251,874 261,393 250,135 15,151 21,927 23,892 54.911 19,900 85,969 95,679 83,750 8,312 437,043 467,771 478,496 - - - - - U La satistiq1Ie antéreure a 1966 eat tirée de "Lea caissea populaires au Canada 1965' publication du ministère de lAgricuiture. (2) Produit du financement de Caisee d'Econouiie Centrale du Québec, de la Ligue des Catasea dconomie du Québec et de la Cendel Federation, janvier 1970. 20 - Newfoundland - TerreNeuve No. Prince Edward Island - Ile-duPrincedouard 1.' Scotia - Brunswick Nouvetle. casse NouveauBrunswick - thousands of dollars - Québec Ontario Manitob., milliers de dollars Assets 1 Cash and demand deposits: on isand .................................................. 90 Deposited in banks ....................................... 18 Deposited in centrals .................................... 15 Other .................................................... I • b d Inve.tn,ents: Shares in centrals ....................................... 14 Tern, deposit ............................................ 78 Government of Canada ..................................... 8 Provincial governments ................................... 5 Municipal governments .................................... 30 Religious institutions ................................... Hospitals ................................................ Othar .................................................... - 2 a b d e 8 g h I it iii iv v toana: Cash loans: Personal ............................................... 2,030 Farm ................................................... Co-operatives and other enterprise .................... 5 Other .................................................. 1 local credit unions .................................... - I it iii iv Mortgage loans: Dwellings .............................................. 142 Farm ................................................... Co-operatives and other enterprise ....................Other .................................................. - 3 a b 4 5 Fixed assets(2): Land and buildings ....................................... 39 Equipment and furniture .................................. 4 Stabilization fund deposit ................................ - 6 Other assets ............................................... - a b 106 7 42 760 874 1,388 60 49 5 .- 610 987 79 -. 40 1 3,269 6,766 43.247 200 - - - 1 - - -. - - 2,489 - 26 74 21 19 1.339 299 - 2,170 2.385 49.056 9.275 457,822 24,125 6,033 24.856 17,099 13,027 4,1 52 1,8 32 13,4 22 110 4,990 309 337 1,778 267 112 1.115 13,737 9,169 41,611 124,153 437.065 24.500 22,400 58,888 12,848 47,464 9,411 19.991 33.966 4,2 10,9 1,2 1.1 3,1 25,653 600 204 690 585,934 58,909 5.531 29,551 633,349 3,977 2.387 1,758 81,9 12.1 6.4 5,2 85 36 33 14 9,656 1,382 161 175 946,191 24,000 177,886 3,302 1,340 1.693 44,3 9,2 8,1 4,2 18 77 17 51 381 136 296 79,403 19,865 13.210 3,275 596 4.1 - - - - - - 22,105 - 88 51 36 28 NO 34 4,3 90 on 32 170 104 24,680 9,731 7,183 55,777 53,011 3,045,865 1,059,284 57 1,720 125 20,342 3.231 146 2.018 77 425 6,868 3,972 663 20,930 1,726 1.208 8,'253 600 3.080 3,459 1,903,459 295,497 62, 92 8,418 2,654 633,215 100,367 143,'25? 7 Total assets .........................................2,480 11 a b c AccountS payable: Interest ................................................. 7 Dividends ................................................ 1 Other .................................................... 3 156 16 107 a b c Loans payable: Centrals .................................................9 gank .................................................... 66 Other .................................................... . 2,125 104 3 2,1.21 12 148 b Demand deposit.: 749 By members ............................................... 64 By local credit unions ................................... - a 6 Term deposit: By members ............................................... 233 By local credit unions ................................... - 2, 225,: Liabilities 12 13 • 14 - 554 - Other liabilities .......................................... - 15 Total liabilities ........................................ 383 16 - - - - - - - - 1,264 8 251 3,715 16,137 8,517 2,568.519 426,367 215. 302 3.187 - 36,652 82 39,978 308,696 574,301 934 1.319 292 200 7 2,373 3.329 425 44,548 8,1611 Me mb ers' equitias 20 a 6 21 a 6 d a Share capital: Ordinary .................................................1,854 Net estate endowment ..................................... Other.................................................... Reserves: Statutory ................................................149 Stabilication deposits ................................... Bond fluctuation ......................................... Education ................................................ 3 General .................................................. 80 - - - - - 12 18 38 506 181 50 - 127,293 - 41,357 - 1,441 302 4,864 5.208 22 Unidivided surplus ......................................... 11 44 1,989 531 23 Total member.' equities ................................2,097 3,668 41,640 44,494 477,346 632.917 9, 24 Total liabilities and members' equitien ...............2,480 7,183 55.777 53,011 3,045,865 1,059.284 225, (1) Canada and provincial totals exclude centrals. (2) Fixed assets are shown after deduction of accu.n,Iated depreciation. (3) Includes stabilization deposits receioed from locals. I Columbia tories Saak Alberta - Cansda(l) chewu 5 Colombie- TernBritanniquo toires to Hord-Ooest thousands of dollars - milliora do dollars Centrals Centrales No Ac Ii f ,430 ,366 15 788 517 224 2,258 3,609 748 5,323 1,004 6.701 4,147 11 .961 95 463 4 .589 11 .304 24 .326 2,038 22,908 860 651 255 8.615 33,820 1,325 745 2,823 2,785 3,425 60 .602 37 .329 10 .587 15 ,064 109,656 134,753 2,114 5.708 63 .418 45 243 21 .996 '9 .908 26,951 - - - - .819 - - 1 - 30 - 71,087 45,710 518,341 42,565 11.907 78,487 15,167 15,500 54,281 225,831 59,777 158,299 503,463 24,767 22,596 95,978 828 100.040 45,915 152,146 102.455 1,683,885 115,765 31,086 52,788 - 119,566 - 23,516 41,137 75,982 Placements: 2 Parts sociales dons lea caiaea centralea ..............................a Odpôta 4 terme .... .... ...... ... ... ............ ... ...................... b Obligations du gooverneoest do Canada ............................... Obligations des provinces ..............................................d Obligations des municipalitda .. ..................................... ...a Institutions religiosnes ............................................ Hlpitaux ............................................................... g Autrea .................................................................6 PrHte: 3 Prêt. our reconnaissance da dette: a Personnel. ........................................................ Agricoles ............................................................. ii Cop8ratives at sotres entrepriasa ................................... iii Autre .......... ... ....... ............................................ iv Caisses locales d'fpargne at ds crddit ................................. v Prêts hypothicairea: b Habitations ....................................................... Fermes ................................................................ ii Coopdratives at astres antreprises ................................... iii .hotrss ............................................................... in - 1,495,481 90,597 47,527 36,053 28,683 10,793 7,629 1,385 5,690 - 118,316 28,946 8,289 12.533 1,670 716 lomobili,stions(2): 4 Terrains et bltimenta ..................................................a Naidniel at mobilier ...................................................b Dfp8ts do fond. do stabilisatton .......................................5 2,345 5,839 - 56,800 15,352(3 Autre actif ..............................................................6 181,698 478,162 - 3 , 735 987 1,688 .jH - 13 - En caisae et ddpl.ta b vue: 1 En caiase .............................................................a Ddp8to dana lea banques ............................................. Ddp8t dana lea caisses centrales .................................... Antrea .......................................... ................... ...d 224,420 7.093 15,603 - 4', 5,587,728 - 852,393 Actif total ........................................................7 Paasif 767 741 877 406 - 8,792 23,242 4,525 3,118 1,437 4,046 Conptes I payer: 11 lnt6r6t .................. . .......................................... .a .. Dividondes ............................................................. b Aulres ................................................................. c S ,597 127 664 5.835 387 124 17,926 197 1,657 - 70,441 7,516 4,467 47 7,199 11,541 Fpruntn I ramboorser: 12 Aux csis.os centralep .................................................. a Aux benques . ................ . ....................................... ....b Astres .............................................................. 107 .605 16,199 138,006 - 2,530,510 24,437 6.43,605 Ddp8ts I vue: 13 Sociftairos ..........................................................I CaUses localeo d'dpargno cc de crddlt . ............................. .b - 1,213,511 23,372 243,788 D8pDta 4 terse: 14 Sociftsirss .. ....................................................... . a Caisnes locales d'dpargne at de crddit ............................... b - 1,790 2,298 Astre pssaif ........................................................... 15 - 3.864,794 764,888 Psasif total ....................................................... 16 3 .756 1,000 .083 - - 124 .456 - 287 243, .575 - - 67,107 - 92,019 - 131,950 - 291,760 - Avoir des socidtairea 207 703 319 - it 821 - 171 10 .364 78,003 277 - 3,892 1,934 - 67 771 146,722 11,507 1,151 38 - 2 12,691 - 426 128 1,331 - 1,398,126 14,119 2,470 61,805 214,909 2,366 2.038 741 8,984 16,774 - Capital social: 20 Parts ordinsires ..................................................... a Montast des ssccea.iona os dotations ................................. b Autres ............................................................... c 1,451 123 2,968 Reserve: 21 Ststutaire .......................................................... Fonda do atabilisation ............................................... b Floctuatios do. obligations .......................................... c Fonds d'Cducation .................................................... d GCnfrales ............................................................ a - .856 4,735 12,446 4 79,181 4,384 gCndfices non rfpartis ................................................. 22 .244 89,679 186,402 44 1,722,934 87.505 Total do t'avoir des socidrairea ................................... 23 .819 181,698 478,162 44 5,587,728 852,393 Total d passtf et de l'svoir de* sociftaires .................... 24 total au Canada et des provinces ne comprend p.s lea centrales. (2) Deduction faita do lanortissement accumuld. (3) Y compris des ddp8tn as fond do stabilisation rocus des caissea locales. IAI:::. 17. (;on-.'r BoLu: , SI et 1.0602 Newfoundland - _________________________________________________________________ TerreNeuve ____________ Ceotrul Credl: 'ioo., 1971 And Prince Edward inland - - Nova Scotia New Brunswick Neuvelletcosse NouveauBrunswick - lie-doPrincedousrd - Ontario Manitoba Quebec percentage - pourcentage Anne to Cash and demand depoaitt On band .................................................. 3.63 a Deposited in banks ....................................... .73 b Deposited in centrals .................................... .60 c dOther .................................................... .04 Total .................................................. 3.00 • 2 Investments: Shares in centrals ....................................... .57 Term deposits ............................................ 3.14 •b Government of Canada ..................................... .32 c Provincial governments ................................... .20 d Municipal governments .................................... 1.21 e IReligious institutions ................................... gHospitals ...... ..........................................Other .......... ..........................................h Total .................................................. 5, 44 3 a i ii iii iv v vi b I ii iii iv v c 4 Loans: Cash loans: Personal .................... . ......................... .81,86 Farm ..................................... ............. . Co-operatives and other enterprises .................... .20 Other .................................................. .04 Local credit unions ........... . ....................... .Total ................................................ 82.10 Mortage loans: Dwellings .............................................. 573 Farm ................................................... Co-operatives and other enterprises .................... .Other ........ . ........................................ Total ................................................ 5.73 Total loans ........................................ 87.83 - 1.48 .10 .58 1.36 1.57 2.49 4.09 4.50 2.16 5.42 .84 1.10 1.77 .14 - - .68 .07 - - - .07 - .57 2.35 1.61 1.23 5.76 1.80 .83 5.99 8.59 1.61 .31 13.03 .79 17.74 .21 9.41 .58 .64 3.35 .51 .21 2.10 17.01 .45 .30 1.37 4.08 14.35 .80 .74 1.93 24.02 1.21 4.48 .89 1.89 3.21 1.90 4.86 .68 .49 1,41 2.08 13.76 .04 1.95 11,33 - - - 8.62 -' .01. 1.60 5.86 8.94 94.19 77,53 .36 48.39 1.13 .38 1.30 19.24 1.93 .18 .97 59,79 .37 .22 .17 36.32 5.38 2.97 2.34 77,89 51.20 22.32 60.55 47.21 4.46 18.21 2.61 .33 .33 21.46 72,66 31.06 .79 16.79 .31 .13 .16 17.39 77,94 19.67 4.75 3.74 1.119 .° 71 - .01 - 94.20 94.20 - .05 4,51 82,40 - - - 31.85 54.17 - - L03 .29 1.32 .27 .45 2.40 .54 2,94 5 6 Pined assets: Land and buildings ....................................... 1.57 Equipment and furniture .................................. .16 Total .................................................. 1,73 Stabilination fond deposits ................................ Other assets ............................................... - 7 Total ............................................ 100.00 100.00 11 a b c d Accounts payabls: Interest ................................................. .28 0ividnda ................................................ .04 Other .................................................... .12 Total .................................................. 44 2.17 .22 2.39 .19 .59 a b c d Loans payable: Centrals ................................................. .36 Banks .................................................... 2.66 Other .................................................... Total .................................................. 3.02 29.58 1.45 .04 31.07 Demand deposits: By nembers ......................... . ........ .............2,59 By local credit unions ................................... 9.39 10.43 7.71 18.94 .12 20.61 .45 11.53 83.28 37.37 .13 91.55 15 Term deposits: By members ............................................... Bylocal credit unions ................................... Total deposits ......................................... 11.98 Other liabilities .......................... . .............. .- 16 Total liabilities .................................... 15.44 51.72 25.34 16.07 84,33 40.25 95,74 44.37 65,71 .15 75.41 10.13 .44 4437 65.86 75,41 10.13 54.22 .09 .12 54.63 2,78 4.25 6.29 .80 4.18 4.20 .07 .91 5.23 3.57 .34 .09 7.52 1.00 - .14 .03 .46 4.83 .49 a b 2.61 .65 3.26 .30 72 .26 .98 .56 .20 100.00 1. .81 1.24 .31 1.55 .06 .93 1.2.' 100,00 100.00 100.00 300.00 .11 3,24 .24 3.59 .67 .30 .67 .19 .50 3.80 .02 .27 4.09 .16 .80 1.98 .16 .11 2.25 3.97 .22 .95 .23 .13 .02 .38 5.52 15.09 6.52 5.01 62.49 20.79 27.89 9,68 27.68 63,87 - - 2.1 ,. Liabilities 12 13 a 14 a - - - - - - - - - .01 - 4.59 - - Members' equities 20 Share capital: a Ordinary ................................................. 74.76 bNet estate endowment ..................................... Other ................................................... Total .................................................. 7 4 ,76 d - - - - .44 22 Reserves: Statutory ................................................ 6.01 Stabilization deposits ................................... Bond fluctuation ......................................... Education ................................................ .12 General .................................................. 3 . 23 Total .................................................. 9.36 Undivided surplus .......................................... . 44 23 Total member's equities .............................. 84.56 48.28 74.65 83.93 55,67 59,75 4.1 Total ..............................................100.00 100.00 100,00 100.00 100.00 100.00 100.00 21 a b c d a 24 .10 - .17 .25 3.30 .61 - - - 4.18 1.36 - 31< -. 3. 100k.AC V. Dijon nous tone de pourcentaes, caisses dtpargne ci de cr7dit (locales ci ceritrolcu), 1971 - - - iritish Colombia Alberta C - Northwest Terri tories - Dollar average Canada Average of provincial ratio ColorableBritannique Terntoires do Moyenne do dollar Nord-Ouest percentage - pourcerstage Centrals - Centrales - Moyenne ?royincjale NO Act if 1.13 .70 3.30 .11 5.24 .12 1.24 1.99 .41 3.76 1.11 .21 1.40 .87 3.59 2.50 19.94 .96 2.36 5.08 1.12 12.61 .47 .35 .14 1.80 7.07 .27 .16 .59 - - - 30.84 12.66 7.80 2.21 3.14 - - 1.53 16.23 .72 10.61 60.35 28.19 .44 1.19 - - 25.81 60.35 29,82 .4 14,83 46.93 1.49 3.26 745 79 17 • 7 4 .3 .10 - 2.38 100.00 - - 14.83 75.18 51.68 81.50 2.08 .54 2.62 .92 1.29 100.00 1.60 .29 1.89 1.19 1.22 100,00 29.55 - 29.55 - 2.27 - 2.27 68.18 - 68.18 - 68.18 - 100.00 1.27 .82 9.28 .76 12.13 3.65 1.10 3.61 .32 8.68 1.39 9.21 1.78 1.82 14.20 .97 4.04 1.07 2.83 9.01 .44 .41 1.72 20.49 1.06 5.99 .58 .93 2.67 .12 .09 1.47 12.91 .10 11.73 5.39 17.85 12.02 30.14 2.06 .56 .94 53.34 1.58 .67 .74 - 14.03 61.12 - tncaiaae et ddp6ts A woe: I Encaiaae .............. .a Ddpits dans leo banqoes................................. ........ . ....................... .b Ddphts dana lea caisse. centrale .......................c Autres ..................................................d Total .................................................e Placements: 2 Parts socialea dane lea caiaae, centrales .............. ...a Ddpnts 8 terme ......................................... ...b Obligations do goovernement do Canada ................. Obligations des provinces .............................. Obligations des rm:nicipalitd. .......................... Institutions religiessee ............................... HOpitaox .............................................. Aotrea .................................................... 6 Total ................................................ Prêt.: 3 Prits our reconnaissance de dette: a Personnel. ........................................... Agricoles ................................................ ii Cooperative. at autre, ontreprisea ..... . ............... ... iii Aotrea ..................................................... iv Caiases locales d'dpargne at de credit ...................... v Total ............. . ......... . ...................... .... vi Pr8ta hypothdcaire,: 6 Habitations .......................................... Fermes ................................................... U Coopdratives et entree entreprisea ................... ... lii Autres ............................................... ... iv Total .............................................. ... v Total des pr8ts .................................. 33.70 56.33 2.76 4.83 8.91 16.50 26.76 1.62 .85 .65 29.88 63,58 15.54 1.72 1.09 .79 19.14 75,47 3.36 1.27 4.63 21.13 2.12 .52 2,64 .15 1.01 100.00 1.53 .35 1.88 .27 .79 100.00 1.47 .20 L67 .08 1.80 100.00 lnanobilisationa: 4 Terrains et bitiments .....................................a P4atCriel et mobilier ...................................... b Total ................................................ Ddpota do fondo de .tebili.ation ........................... 5 Mitre actif ................................................ 6 Total ............................................. 1 - - - Pasaif .78 .23 1.01 .43 .98 .15 .18 .09 .42 1.17 .03 .14 1,34 3.21 .21 .07 3.49 3.75 .04 .35 4.14 22.47 25.99 8.91 37.26 28.86 27.60 - .55 - - 48.46 .06 50.87 - 46.17 - 50.64 - - - .16 .41 .08 .65 .26 .51 16 .93 .37 .17 .47 1.01 Comptea I payer: 11 lntCr8ts ................................................ a Dividendes .............................................. 6 Autrea ................................................. Total .................................................d L26 .13 .08 L47 4.38 .52 .09 4,99 .01 .84 1.35 2.20 Emprunts A nembourser: 12 Aux caisses centralea ................................... a Arm bisques ........................................... Autres ................................................. Total .................................................d 45.29 21.72 18.49 20.20 2,87 52.04 plts A woe: 13 Socldtaires ........................ ............ ......... a Csi..es locales d#pargne et de crCdit ..................b 2.74 28.60 86.25 .27 89.73 Ddpts A terme: 14 SociAtaires ............................................. a Csiosee locales d'dpargne at di crddit ................. Total des dSpDts ..................................... Mitre pasaif .............................................. 15 Pasaif total ........................................ 16 - - - - - - 56.46 - 61.02 - 67.01 .03 69,16 - 38.69 .07 44,68 Avoir des soctdtair.. 43.38 .27 - 43.65 42.93 .15 - 43.08 2.14 1.06 - 79 28 1.79 2.49 4713 77.00 .04 .42 3.66 2.62 49,36 100.00 30.68 2.41 .24 33,33 86.36 2.65 4.55 - .09 .03 .28 3.05 2.60 38,98 100.00 - 86.36 - 4.55 9.09 100.00 100.00 25.02 .25 .05 25.32 48.04 .27 .04 48.35 7.25 3,85 .04 .04 .01 .16 4.10 1.42 30,84 100.00 3.94 .18 .02 .07 .54 4.75 2.22 55.32 100.00 1.94 - 7,25 - .17 .01 .35 2.50 .52 10.27 100.00 Capital aocial: 20 Parts ordinaires ....................................... Montant net dee .uccesoions 00 dotations ................ b Astres .... .............................................. c Total ................................................. d RE.erve.: 21 Srstut.tre .............................................. a Ponds de etabilisation .................................. b Ploctoation des obligations ............................ Ponds d'Cducation ....................................... d Gdndrales .............................................. Total ................................................ Mndfices non rdpantis .................................... 22 Total de lavoir des aocidtairea .................... 23 Total ............................................. 24 - 32 - TAPIE 1U. Estimated statements of Operations for Coral and Central Credit Unions, 191 P.E.I. Nfld. - - I. P. -E. T. -N. N.S. -, N.B. N. -E. N. -B. Man. Ont. Qué. - No. thou8ands of dollars - milliers de dollars Revenue 1 Loan interest .............................. 234 609 4,694 3,413 139,111 71,308 16,899 2 Bond and debenture interest ................ 1 1 42 311 50,731 4,640 950 3 Income from inveatteent in centrals S 3 226 336 14,404 3,123 - 4 Service charges ............................ 2 53 32 11,442 321 - 5 Other revenue ..............................7 15 103 202 2,246 2,305 1,833 6 Total revenue ............................ 247 630 5,118 4,294 217,934 81,697 19,682 15 819 269 72 - Expenditures 7 Audit and inspection .......................1 2 20 8 Charges: Clearing, service, etc 1 7 58 - 966 350 191 9 Depreciation ...............................1 4 47 - 3,220 445 133 10 Dues: League, federation, etc ............. 1 10 57 80 5,780 177 13 11 Heat, power, water ......................... 3 24 90 1,078 1 - Insurance: 1,483 12 Loan ..................................... 15 54 581 468 11,532 7,101 13 Other .................................... 1 1 20 27 2,016 364 14 Interest on borrowings ..................... 7 132 135 35 840 1,695 1,002 15 Interest on deposits ....................... 6 50 501 - 93,935 14,387 9,186 16 Postage, stationery, telephone 2 12 123 - 3,636 1,253 303 17 Promotional: Advertising, donations, etc. - 1 26 - 1,762 684 - 18 Rent ....................................... - 7 41 - 757 604 114 19 Repairs and maintenance ... - 1 29 - 2,858 309 105 20 Salaries, honoraria, etc ................... 42 87 880 36,012 9,612 2,378 21 Staff benefits ............................. 1 3 58 - 2,757 603 119 22 Taxes: Property and business .............. 1 31 - 1,838 289 145 23 Unclassified ............................... 3 14 135 428 13,005 2,366 4,251 24 Total expenditures ..................... 81 389 2,766 1,693 182,811 40,675 19,682 25 Operating surplus .......................... 166 241 2,352 2,601 35,123 41,022 - 26 Less: Dividends ............................ 97 308 1,407 1,719 14,538 27,730 - 27 Interest and/or patronage rebates 37 6 123 99 5,131 5,535 - 28 Unappropriated surplus for the year 32 73 822 783 15,454 7,757 - ................. (1) Canada and provincial totals excludes centrals. - - 550 - - 33 - • 'k Alte Sask. 18. Etats eetimatifs des revenus er dépenses, caissea d'épargne et de cr4dit (Locales er centrales) Canada, 1971 I.C. - Aib. N.W.T. Centrals - - C. -B. T. N.-0. anada(1) - Centrales No thousands of dollars - milliers de dollars Revenus 24,498 12,645 35,444 2,198 400 2,513 6,469 1,600 1,409 - 4 308,859 15,087 Intért de pr8ts ......................................... I - 61,787 28,071 Intérèt d'obligationa .................................... 2 500 - 26,666 543 Revenu de placements dana lea centrales .................. 3 737 - 13,996 2,158 Frais dadministration .................................. 4 386 294 622 - 8,013 12,805 Autrea revenus ........................................... 5 34,960 14,939 39,816 419,321 58,664 Total des revenus ...................................... 6 4 Dépeases 257 - 289 - 1,744 164 Verification et inspection ............................... 7 423 - 467 - 2,463 1,029 Frais: Conpensation, administration etc ................ 8 - 528 - 4,976 224 Amortissement ............................................ 9 101) - 300 - 6,839 200 Cotisation: Ligue, fCdération, etc. .................. .. 10 - 163 - 1,753 44 Chauffage, Clectricit6, eau ............................. 11 Assurances: 2,.40 1,140 2,939 - 27,753 53 Prts .................................................12 112 - 116 - 2,657 34 Autres ............................................... 13 634 - 1,684 - 6.164 1,535 IntCrt sur emprunts ................................... 14 10,056 3,945 12,339 - 144,405 32,210 Intdrpt sur dépbts ..................................... 15 630 492 815 - 7,266 617 Fraia de poste, papeterie, tCléphone ................... 16 336 - 284 - 3,093 173 Publicite, dons, etc ................................... 17 260 353 284 - 2,420 160 Loyer .................................................. 18 252 - 430 - 3,984 71 Reparations et entretien ............................... 19 63,738 3,369 Appointements, honoraires, etc......................... 20 5,345 2,513 6,318 l 293 - 341 - 4,175 272 Avantages aociaux ...................................... 21 292 - 210 - 2,806 95 Taxes foncières et d'affaires .......................... 22 468 1,531 703 - 22,904 13,107 Divers ................................................. 23 22,858 9,974 28,210 1 309,140 53,357 Total des d4penses ................................. 24 12.102 4,965 11,606 3 110,181 5,307 Excedent d'exploitation ................................ 25 ,460 3,347 6,336 - 63,942 2,716 Déduire: Dividendes ................................... 26 142 483 781 - 12,337 12 Int4rt et riatournes .................................. 27 '1,500 1,135 4,489 33,902 2 1 579 Excédent annual non affecté ............................ 28 3 (1) I.e total du Canada et des provinces ne comprend pas lea chiffres des centrales, - 34 - TABLE 19. Coninon-Size Operating Statements of Local and Central Credit Unions, 1971 Nfld. P.E.I. N.S. N.B. - - - - Qué. Ont. Nan. T.-N. I. P.4. N. -. N.-8. percentage - pourcentage Revenue I Loan interest net . ...............................94.74 96.67 91.72 79.48 63.83 87.29 85.86 2 Bond and debenture interest ....................... .41 .16 .82 7.24 23.28 5.68 4.83 3 Income from investment in centrals ................ 2.02 .47 4.42 7.83 6.61 3.82 - 4 Service charges .................................. .32 1.03 .75 5.25 .39 - 5 Other revenue ..................................... 2.83 2.38 2.01 4.70 1.03 2.82 9.31 6 Total revenues .................................. 100.00 100.00 100.00 100.00 100.00 100.00 100.00 .35 .38 .33 .37 - .44 .43 .97 1.48 .54 .68 .68 - Expenditures 7 Audit and inspection .............................. .41 .32 .39 8 Charges: Clearing, service, etc .................. .41 1.11 1.13 9 Depreciation ...................................... .41 .63 .92 10 Dues: League, federation, etc .................... .41 1.58 1.11 1.86 2.65 .22 11 Heat, power, water ................................ .48 .47 2.10 .50 .20 - Ineurance: 7.53 12 Loan ............................................ 6.07 8.57 11.35 10.90 5.29 8.69 13 Other ........................................... .41 .16 .39 .63 .92 .45 14 Interest on borrowings ............................ 2.82 20.95 2.64 .81 .39 2.07 5.09 15 Interest on deposits .............................. 2.42 7.94 9.79 - 43.10 17.61 46.67 16 Postage, stationery, telephone .................... .81 1.91 2.40 - 1.67 1.53 1.54 17 Promotional: Advertising, donations, etc - .16 .51 - .81 .84 - 18 Rent .............................................. - 1.11 .80 - .35 .74 .58 19 Repairs and maintenance ........................... - .16 .57 - 1.31 .38 .53 20 Salaries, honoraria, etc .......................... 17.00 13.81 17.19 16.52 11.77 12.08 21 Staff benefits .....................................41 .48 1.13 - 1.26 .74 .60 22 Taxes: Property and business ..................... .16 .61 - .84 .35 .74 23 Unclassified ......................................1.21 2.22 2.64 9.97 5.97 2.90 21.60 24 Total expenditures .............................. 32.79 61.75 54.04 39.43 83.88 49.79 100.00 25 operating surplus ................................. 67.21 38.25 45.96 60.57 16.12 50.21 - 26 Less: Dividends .................................. 39.27 24.60 27.49 40.03 6.67 33.94 - 27 Interest and/or patronage rebates .................15.38 .95 2.40 2.31 2.36 6.78 28 Undivided surplus ................................. 12.55 12.70 16.07 18.23 7.09 9.49 29 Total ....................................... 100.00 100.00 100.00 100.00 100.00 100.00 - 12.81 - - 100 - 35 - - iL; 19. 9tats des revenue et dépenses sous foe de pourcentages, sseS dépargne et de crédit (locales et centrales), 1971 Canada Based on Based average of Alta. B.C. N.W.T. on dollar provincial Centrals Sask. - - - values ratios Alb. C. -B. T. N. -0. - - Centrales Fondés sur Fondés sur Is valeur les moyenen dollars nes provinciales percentage - pourcentage Revenue 70.08 84.64 89.02 6.29 2.68 6.31 18.50 4.03 10.71 - 100.00 - 73.66 85.76 25.72 14.73 5.24 47.85 Intérét de prts, net ........................I lntérBt d'obligations ........................2 3 1.26 - 6.36 5.06 .92 1.85 - 3.34 1.24 3.68 Frais d'adminiatratlon .......................4 - 1.91 2.70 21.83 Autres revenus ...............................5 100.00 100.00 100.00 Total des revenue ..........................6 1.10 1.97 1.56 100.00 100.00 100.00 100.00 Revenus des placements dana lea caieaes centrales. Dépensea .74 - .72 - .41 .37 .28 Verification et inspection ...................7 1.21 - 1.17 - .59 .63 1.76 1.71 - 1.33 - 1.19 .70 .38 Amortissement ................................. 9 - .75 - 1.63 .92 .34 Cotisation: Ligue, fédCratfon, etc .......... 10 - .41 - .42 .45 .08 Chauffage, electricité, eau .................. 11 Frais: compensation, administration etc. ... 8 Assurances: 6.98 7.63 7.38 - 6.62 7.31 .09 PrBts ....................................... 12 .32 - .29 - .63 .32 .06 Autres ..................................... 13 1.81 - 4.23 - 1.47 3.71 2.62 IntérBt sur emprunta ......................... 14 28.76 26.41 30.99 - 34.44 19.43 54.91 lntérêt our depOts ........................... 15 1.80 3.29 2.05 - 1.73 1.55 1.05 Frais de poste, papeterie, téléphone ......... 16 .71 - .74 .36 .29 Publicité, dons, etc. ....................... 17 .71 - .58 .67 .27 Loyer ........................................ 18 1.08 - .95 .43 .12 Reparations Ct entretien ...................... 19 15.20 15.83 5.74 .96 .74 .72 15.29 - 2.36 - 16.82 15.87 25.00 . Appointements, honoraires, etc. 20 ............. .. .84 - .86 - .99 .57 .46 Avantsges sociaux ............................ 21 .84 - .53 - .67 .37 .16 Taxes foncièrea et d'affaires ................ 22 - 5.46 5.44 22.34 Divers ....................................... 23 1.34 10.25 1.77 65.38 66.76 70.85 25.00 73.72 59.06 90.95 Total des dCpenaea ....................... 24 34.62 33.24 29.15 75.00 26.28 40.94 9.05 ExcCdent d'exploitation ...................... 25 26.20 22.40 15.91 - 15.25 21.32 4.63 Déduire: Dividendea ......................... 26 ..1 3.23 1.96 - 2.94 3.25 .02 IntérBts et ristournes ....................... 27 1J)1 7.61 11.28 75.00 8.09 16.37 4.40 Bénéfices non répartis ....................... 28 100.00 100.00 100.00 100.00 100.00 100.00 100.00 Total .................................. 29 - 36 - TABLE 20. Estimated Statements of Undistributed us fr and Central Credit Unions, 19 7 1 !.ea Nfld. P.E.I. N.S. N.B. - - - - Qud. Ont. Man T.-N. 1. p.-L N.-L 8.-B. No. thousands of dollars - inilliers de dollars - I Balance beginning of year ... 8 170 1,741 416 36,027 4,517 Add: 2 Operating surplus 166 241 2,352 2,601 35,123 41,022 27 38 383 504 16,304 5,548 - - - 165 - 158 Deduct: Appropriations to: 3 Statutory reserve 4 Bound fluctuation reserve. 5 Education reserve 1 13 39 139 6 Other reserves 1 2 97 10 - - 1 1 571 7 Dividends on shares 97 308 1,407 1,719 14,538 27,730 8 Patronage and/or interest re- 37 6 123 99 5,131 5,535 bates. 9 Other adjustments - - 55 15 - 6,180 624 10 Balance end of year 11 44 1,989 531 41,357 5,208 (1) Canada and provincial totals exclude centrals. 1,184 - 37 - .LEAU 20. Etats estimatifs des bénéfices non repartis, caissee d'epargne et de credit (locales et centrales), 1971 Alta. B.C. N.W.T. Centrals Sack. - - - Canada(1) AIb. C.-B. T. N.-0. Centrales No thousands of dollars - milliers de dollars 11,547 J 10,750 1 2 1 70,582 1 3,915 Isolde au debut 4,220 I de l'annCe ................. I Ajouter: 12,102 4,965 11,606 3 110,181 5,307 Excécient d'exploitation ..................2 Oéduire Affectations: 1,050 1,993 10 - 1 28,540 1,434 A Is reserve atatutaire ..................3 A 30 - 205 21 50 127 - 548 17 Au fonda d'éducation ..................... S 636 - 643 - 1,960 932 Aux autrea rCaervee ...................... 6 I 3,347 I 6,336 - I 63,942 1 2,716 Ioividendea des parts aociales ............. I 7 1 483 I 781 - 12,337 1 12 I 8 .I 9 8,460 142 161 —480 12,856 1 1 - 280 - j - 5,950 I 25 1 1 4 , 735 12,446 4 79,181 1 Is reserve pour fluctuation des obligations. 4 IRistournea et intCrêt ..................... lAutres rajustementa ...................... 4,384 1Solde A Is fin de lannée .................. 110 (1) Le total dci Canada et des provinces ne couiprend pas lea chiffres des centralea. - 38 - TABLE 21. Estimated Statements of Reserve Accounts for Local and Central Credit Unions, 1971 Prince Newfound- Edward Nova New land Island Scotia Brunswick - - - - Québec Ontario Manitoba Terre- Ile-du- Nouvelle- NouveauNeuve Prince- icosse Brunswick Edouard thousands of dollars - milliera de dollars No. Statutory reserve I 2 3 4 5 6 7 8 9 10 175 124 Balance beginning of year .................. Add: 27 38 Appropriation from undivided surplus. 3 Recovery of loans written off Entrance fees and fines ................... Refund of stabilization deposits Other ..................................... Deduct: 10 Loans written off .........................2 1 Appropriation to stabilization deposits. ..5 Other .................................... 200 149 Balance end of year .................. - - - - - 2,971 110,989 40,456 7,662 383 504 16,304 5,548 1,184 38 2 4 2 - 27 - - 2,346 399 - - 24 2,373 - 590 25 - - - - - - 381 - - 2,422 25 127 - - - - 3,329 127,293 - 264 - - 30 44,548 29 8,611 - Stabilization deposits reserve 11 12 13 14 Balance beginning of year .................. Add: Appropriation from statutory reserve. Deduct: Recovery of deposits ......... Balance end of year .................... . .......... . - 6 - 295 - - - - I - 127 - - - - - - - - - - - - 3 425 - 7 - - Bond fluctuation reserve 15 16 17 18 19 20 21 Balance beginning of year .................. Add: Appropriation from undivided surplus. Profit on sale or maturity of bonds. Other .................................... Deduct: Losses on sale or maturity of bonds. Other .................................... Balance end of year .................... - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 1,208 - - 165 - - 71 - - - - 3 - - 1,441 - - - - Education reserve 22 23 24 25 Balance beginning of year .................. Add: Appropriation from undivided surplus. Deduct: charges and adjustments .................. Balance end of year .................... 3 11 36 157 - 528 - 1 13 39 139 - 158 - 1 3 12 12 37 38 115 181 - 384 302 .0 16 420 50 - 4,691 - 1 2 97 10 - 571 - 18 11 506 10 50 - - General reserves 26 27 28 29 Balance beginning of year ................. Add: Appropriation from undivided surplus. Deduct: charges and adjustments .................. Balance end of year .................... . (lcanada and provincial totals excludes central. ..I 80 - - 398 4,864 - - 39 - FABLEA' 1. I7LaCs estitualils des comples de reserve, caisses dCparne British Columbia ColombieBritannique Saskat- Alberta chewan thousands of dollars Ce de credit (locales cc ceutrales). 1971 Northwest Territories Centrals - Canada(1) Tern- Centrales toires du Nord-Oueat milliers de dollars Reserve statutaire 11,653 3,386 1,122 1,050 1,993 26 133 83 15 5 24 148 333 399 653 636 1,024 728 403 S 1,508 11,821 3,892 1 190,885 14,869 1 28,540 1,434 - - 25 12,691 - 2 877 49 172 1,140 518 5,435 1,264 - 55 214,909 16 - 7 56 16,774 Soide au debut de l'annCe ............................ I Ajouter: Affectations provenant des bCnCfices non 2 rCpart is. Recouvrements sur prêts radiCs ..................... 3 Droits d'inscniption et smendes .................... 4 Remboursement des dCpôts de stabilisation .......... 5 Autres ............................................. 6 DCduire: Prts radiCs ....................................... 7 Affectations au fonds de stabilisation ............. 8 Autres ............................................. 9 Solde a Is fin de l'annCe ....................... 10 Fonds de stabilisatiots 3,94 1,555 . - 5,800 - - 536 - : - - 1,934 - 3,970 2,366 - Solde su debut de l'annCe ........................... 11 Ajouter: Affectations provenant de Is reserve 12 statutaire. DCduire: Recouvrements de dCp&ts ........................... 13 Solde a is fin de l'année ...................... 14 Reserve pour fluctuation des obligations 156 396 10 30 5 - 1,760 - 205 - 76 - - - 171 - 1 9 878 - 250 235 - 3 382 - - 4261 - 2,038 1 ,451 Solde au debut de l'annCe ........................... 15 Ajouter: Affectations provenant des bCnCfices non 16 rCpartis. BCnéfices sur Is vente ou l'arrivCe I l'CchC17 ance d'obligations. Autres ........................................... 18 Déduire: Pertes sun is vente ou l'arrivCe I l'échCance 19 d'obligations. Autres ............................................ 20 Soide I Ia fin de annCe l' ....................... 21 Fonda d'Cducat ion 11 51 114 - 911 117 21 50 127 - 548 17 22 10 34 67 113 128 718 741 11 123 781 772 688 - 7,498 2,030 643 - 1,960 932 474 8,984 71 2,891 - Solde au debut de l'annCe ........................... 22 Ajouter: Affectations provenant des bCnéficea non 23 répartis. Déduire: Frais et rajustements ............................. 24 Solde I Is fin de l'annCe ....................... 25 Reserves generalea , 1 1, 3e4 (1) Le tot - 1,331 nada et des nrovii - 8 ne Soide au debut de l'annCe .......................... 26 Ajouter: Affectations provenant des bCnCficea non 27 rCpartis. DCduire: Frais et rajustements ............................ 28 Soide I is fin de l'annCe ...................... 29 siprend pas ies chiffres des centrales. 40 - TAF]LE 22. Balance Sheets, 1970 Princ, Edward Island Newfoundland - New Brunswick Nova Scotia - - - Qodbec Ontario(4) NouvelleNouveauIle duPrincecoose Brunswick pdouard silliers de dollar. thousands of dollars Terreileuve No. Mamitobo - Assets Cash and de,nand deposits On hand .......................................................... 23 Deposited in banks ............................................... 51 7 Deposited in centrals ........................................... 1 dOther ........................................................... 50 160 4 1 692 552 1,006 1.888 295 1,722 47,720 10.931 371,493 12,174 3.831 19.824 16,047 5,416 3.160 2.403 6.229 Investments .6 2 Shares in centrals ............................................... Tern deposits .................................................... 39 GOvernloent of Canada ............................................. 8 dProvincial governments ........................................... 5 39 13 49 3 507 757 21 Municipal governments ............................................ IReligious institutions ........................................... Hospitals ........................................................ g 1 h Other ............................................................ 36 203 101 4,224 278 451 1,781 195 82 928 12,655 29,887 32,917 93,108 310,715 26,600 15,300 56,941 9,822 25,570 6,078 16.568 21.841 2.039 1,350 14,633 5.068 4,963 704 1,501 2,798 22,069 675 128 678 508,951 42,721 6.989 33.693 564,596 3,858 1,911 2,592 72,056 9,882 6,375 7,018 7,821 1,226 104 164 809,363 21,500 125,426 3,372 1,048 1,777 34,133 8,093 6,675 4,414 3,177 761 a b 2 a b • 3 - • i ii iv v b Loan. Cash loans: Pesonal r ....................................................... 1,662 pam. .......................................................... Co-operatives and other enterprises ............................ 5 Other .......................................................... 1 Local credit unions ........................................... - .- Mortgage loans: Dwellings ...................................................... 79 S iiFarm ............. ............................................ Co-operatives and other enterprises ..... ...... .............. iii v Other ...................................... .................. . . i 4 . ...- . 5 Fined asaets(2) Land and buildings ............................................... 4 1 Equipment and furniture .......................................... 4 Stabilization fund deposits ........................................ 6 Other assets ........... . .......................................... - 4,331 427 53 - - - 2,443 35,964 151 - 131 - - 3,208 - 49 - - - - - - 143 1,178 - - 49 16 15 1,142 267 - 267 101 182 75,069 18,187 11,382 2,964 516 - 30 169 98 5,883 7,964 5,241 47.262 45.458 2,542,797 870.425 182,88] a b c Accounts payable 5 Interest ................................................... Dividends ............................................. ......... Other ............................................................6 132 25 1,544 106 ) ) 6,736 ) 2,061 102 1,125 1,765 a b c Loans payable Centrals ......................................................... 26 Banks ............................................................ 28 Other ............................................................ 881 301 2 2,253 1 179 225 63 7 7,657 1,246 1,531 22.851 2,001 3,098 8,097 554 1,225 Demand deposits By members ....................................................... 8 s bBy local credit unions ........................................... 356 1,629 1,858 1,876.738 180,120 28,214 Term deposit By nanbers ....................................................... 182 a bBy local credit unions ........................................... 379 5,744 1,582 230,063 91,190 128,456 1 181 2,135 1,220 1,931 10,119 5,410 2,126,106 303,768 168,311 2,932 32,485 115 36,159 269.675 510,406 1,056 3.795 5,731 2,346 2,971 295 a b . Total assets .................................................1 , 988 7 - - 2,15 Liabilities 11 12 13 . . - - 14 Other liabilities ..................................................- 15 Total liabilities ................................................24 5 16 - - - - - - - - - - - Members' s qu ities 20 a 6 21 Share capital Ordinary ......................................................... 1,528 Net estate endo,.soent ............................................. Other ............................................................ - Reaervea Ststutory ........................................................ 124 Stabilization deposits ........................................... C Bond fluctuation ................................................. dEducation ........................................................ 3 e General .......................................................... 80 a 6 22 - Unidivided surplus ................................................. 8 175 6 - - 11 16 36 420 170 1,741 - - ) 40,456 - ) 110,989 157 1 50 ) 36,027 4,517 566,657 870,425 23 Total members' equities ........................................ 1 , 743 3,310 37,143 40,048 24 Total liabilities and ,ses,bera' equities ...................... 1 , 988 5,241 47,262 45,458 2,542.797 (L) (2) (3) (4) (5) canado and provincial totais enriude centrals. FIxed assets are shown after deduction of accumulated depreciation. Alberta's loan account items are estimates. Manitoba's reserve account includes allowance for bad debts of 92,082.000. Includes stabilization deposits received from locals. 7,662(4) - 1,208 528 4,691 416 416,691 - 1,184 14.5 182,880 LEAU 22. Bilane 1910 British Colbia ka C tnwest Terntories Alberta CWi - ColobieEritannique thousande of dollars - Centrals Canada(l) Terntotres do Nord-Onest milliers do dollars - Centralea No Actif 5,100 3,192 12,089 - 12,096 66409 1,834 8,359 17,888 234 2,094 2,517 979 3,589 549 3,773 3,516 -. .. .. .. 66,287 40,051 414,887 22,087 22,105 102,580 29,831 12,200 En caisse at dépöts 8 voe 1 En caisse ........................................................ a DépBts dens lea banques .......................................... b D6pBt dana lea cai.sea centralea ............................... Autres ........................................................... a 1,980 13,980 703 630 229 6,455 21,764 495 1,325 1,813 .. .. 48,749 167,606 43,087 121.950 357,268 28,834 16,875 76,553 744 29,313 35,792 92,337 77,132 9,580 5,640 37,247 Placements: 2 Parts sociales dens lea cusses centrale ........................ a Ddpsts 8 t.re .... .... ........ .......... .... .................... b Obligations do gouverne000t do Canada ......................... Obligations des provinces ..................................... Obligations des municipalités ................................... a Institutions religious.. ...................................... Hbpitaux ........................................................ 8 Astre ........................................................... h 1,492.070 96.171 30,362 55,858 358 - - - . . - - - . - - - 393 59,727 32,696 10,553 11,745 - 54,487 42.010 19,912 24,887 7.839 1,964 3,944 92,666(3 3,998 - 130,048 1,763 4,348 - - - - 9,342(3 858 - 3,397 882 1,295 140,697 5,217 8.326 - 8,718 1,242 4,515 .. .. .. . . .. . . .. .. .. . .. - - 25,951 39,798 91,760 Frets: 3 Prêta our reconnaissance de dette: a Personnel. ................................................... ricoles ......................................................... ii Cooperatives et autre. entrepnise ............................... ii Autres ..... . ............................. . ................... .... iv Cusses locales d'dpargne et do cr&dit ....................... Prits hypothécaires: b Habitation. .................................................. Fern,es ........................................................... ft Coopdrativeu et autres eatrepri.es .............................. Lit AltEc. .......................................................... iv 1,184,556 82,276 36,065 31,291 19,398 11,091 111,081 26,388 10,467 8,535 1,313 492 Ioobi1is.tions(2): 4 Terrains at bitimenta ............................................. a Mitdriel at unobilier ....... . ................................... ...b DepOt. do fonda de stabilisation .................................... 5 - Ui,108 1,556 3,169 , . 31,134 7,541 Autre actif ........................................................ 6 406,839 137,340 351.715 .. 4,591,953 660,738 Actif total .................................................. 7 Pansif 2,696 1.048 - 1,027 - 532 801 149 . .. . 8,367 2,448 11,046 3.153 420 2,174 5,345 14,282 10,274 8 358 7,095 597 391 25,043 651 2,207 .. .. 84.402 5.450 8,998 83,436 19.888 76,405 .. 2,268,652 - 89,558 - 99 187,456 - 30,000 - - 59,019 - 79,499 . .. - 656.653 - . 69 .. 3,705 185.356 .. 3,047,721 - - Conuptea C payer: 11 IntdrCt ........................ . ............................... ....a Dividendes ..................................................... ... b Autres ............................................................ c Eunprunts C resubourser, 12 Aun caisses cenirales ........ ...... ............................ ... a Ass banques .......................................................6 Autres ......................................................... .. . c 30,995 381.434 D8pBts C .: vu Sociftairea .................................................... Caisses locales d'Apargne et de crddit ......................... 12,763 134,015 D8p0,ta C ieruna: 14 SociAtaires .................... . .......... .... ................. ..a Caisses locales d'Cpsrgoe et de crddit ....... . ................. . b 2,167(5 586,748 13 .. ... .a .b Ascre psn.if ...................................................... 15 Paasif total .................................................. 16 Avoir den sociAtaire. 189,714 1.577 68,005 332 - 11,653 3,944 156 11 781 3,386 1,555 - 51 772 130,934 11,200 1,155 .. .. .. 1,247.569 14,280 4.950 50,853 11,122 .. 190,884 5,800 1,760 911 7,498 14,869 - 396 114 688 .. .. - 328 Capital social: 20 Parts ordinaires ................................................ a Montant des successions Os dotations ........................... Autrea ... ..................................... ..................c 1,878 117 2,030 21 Rdserves: Statutatre ................................................. .....a Ponds do stabilisation ........................................ ..b Fluctuation des obligation. .................................... Ponds d'aducation ........................................... ....d GAndralea ...................................................... - 11,547 4,220 10,750 .. 70,580 3,915 BdndfLcee non rfpartis ............................................22 219,383 78,321 166.559 . . 1,544,232 73,990 Total do l'avoir dep .ociAtaire .............................. 23 406,839 137,340 351,715 .. 4,591.953 660,738 Total do pasuil at do l'avoir des sociAtaires ...............24 LOCaL 00 4aflaUaei sea provinces ne canprens pea Lea centrales. Ofductioa faite de l'asnortiasosuent accumule. :3) 148 post,m relattis aux prêts loft des e.tiaariona dana Is Ca. de 1'Alberta, (4) Le compte de rdserve do Manitoba counprend one provision de $2,082,000 pour creances douteuse.. (5) Y compnia des ddp8te a,, fond da stabiliastion reçom des cata.es locale.. ) 40 - 42 - TABLE 23. Coemon-size Balance Sheets of Local and Central Credit Unions, 197 Prince Newfound- Edward Nov. New land island Scotia Brunswick - - - - Qu6bec Ontario Manitobu Terre- tie-du- Nouvelle- NouveauNaive Prince- co,se Brunswick douard Assets Cash and demand deposits: a Onhand ......................................................... bDeposited in banks .............................................. c Deposited in centrals ........................................... Other ........................................................... d 1.16 2.56 .35 .05 .95 3.05 .08 .02 1.46 1.17 2.13 - 4.15 .65 3.79 - 1.87 .43 14.61 .48 .44 2.28 1.84 .62 1.73 1.31 3.41 - e Total ......................................................... 4.12 4.10 4.76 8.59 17.39 5.18 6.45 2 Investments: aShares in centrals .............................................. Term deposits ................................................... b Government of Canada ............................................ Provincial governments .......................................... d e Skinicipal goverrssentn ........................................... Religious institutions .......................................... f Hospitals ....................................................... g Other ........................................................... h 1.31 1.96 .40 .25 - .74 .25 .93 .06 - 1.07 1.60 .04 .43 - 1.81 .02 5.18 .22 9.30 .61 .99 3.92 2.65 .50 1.18 1.29 3.66 12.22 1.05 .60 2.24 1.13 2.94 .70 1.90 2.51 .23 .16 1.68 2.77 2.71 .39 .82 1.53 .72 Total ......................................................... 5.73 2.00 8.32 17.69 22.74 11.25 8.94 3 Loans: aCash loans: IPersonal ..................................................... Farm .......................................................... it iiiCo-operatives and other enterprises ........................... ivOther ......................................................... vLocal credit unions ........................................... 83.60 .25 .05 82.64 8,65 1.01 - 76.09 .32 .28 48.55 1.48 .28 1.49 2002 1.68 .27 1.32 64.86 .44 .23 .30 39.40 5,40 3.49 3.84 91.80 76.69 51.80 23.29 65.83 52.13 6.79 .10 17.20 2.70 .23 .36 31.83 .85 - 14.41 .39 .12 .20 18.66 4.43 3.65 2.41 vi Total ....................................................... 83.90 b Mortgage loans: Onellings ..................................................... i Farm .......................................................... It Co-operatives and other enterprises ........................... ivOther ......................................................... 3.98 - v Total ....................................................... 3.98 6.89 20.49 32.68 15.12 2 Total loans ............................................... 87.88 91.80 83.58 72.29 55.97 80,95 81. assets: a l.and and buildings .............................................. bEquipment and furniture ......................................... 2.07 .20 .93 .31 2.42 .56 .59 .22 2.95 .72 1.31 .34 I. Total ......................................................... 2.27 1.24 2.98 .81 3.67 1.65 2.15 .29 .57 .36 .40 .22 .23 .06 .91 1.18 10000 100.00 100.00 100.00 100.00 100.00 100.00 11 Accounts payable: a Interest ........................................................ bDividends ....................................................... Other ........................................................... .05 - .10 .1.1 28 .05 3.40 .23 1 .26 .24 .01 .13 .96 .21 .28 3.68 .26 .38 .96 c - I. Fixed SStabilization fund deposits ....................................... 6 Other assets ...................................................... 7 Total ................................................... - Liabilities - Total ......................................................... .05 12 Loans payable: a Central. ........................................................ bBanks ........................................................... Other........................................................... 1.31 1.41 - 16.81 4.77 5,74 .04 1 .38 .49 .14 .02 .30 .05 .06 2.63 .23 .35 4.43 .30 .67 22.59 5.15 .65 .41 3.21 5.40 Total ......................................................... 2.72 13 Demand deposits: aBy members ...................................................... By local credit anions .......................................... b .40 3.45 6.09 73.81 20.69 15.43 14 Term deposits: a By members ...................................................... bBy local credit unions .......................................... 9.15 12.15 3,48 9.05 10.48 70.24 13.60 7.57 82.86 31.17 85.67 d Total deposits ................................................ 9.56 L14.02 .14 11.90 83.61 34,90 92.03 68.74 .24 - 79.54 - 10.61 - 58.64 .12 .44 3.13 - 68.98 79.54 10.61 59.20 3.13 4.96 6.54 .65 .08 .34 .89 1 .11 4.36 .. .. .. 4.65 .14 .06 53 4.19 - 5.38 .38 12.32 36.84 21.41 20 Share capital: aOrdinary ........................................................ Net estate endowment ............................................ b c Other ........................................................... 76.87 - 55.95 - Total ......................................................... 76.87 55.95 6.24 - 3,34 .11 - .15 4,02 .21 .31 16 Total liabilities ........................................... - j .08 .02 15 Other liabilities ................................................. - - Members equities d 21 Reserves: aStatutory ....................................................... Stabilization deposits .......................................... b Bond fluctuation ................................................ c Education ....................................................... a e General ......................................................... .. Total ......................................................... 10.41 3.97 5.93 7.64 4.36 22 Undivided surplus ................................................. .60 3.24 3,68 .92 1.42 52 23 Total member, equities ..................................... 87,68 63.1.6 78.59 88.10 16.39 65.10 7.97 24 Total ..................................................... 100.00 100.00 100.00 100.00 , 100.00 100.00 100,00 - 43 - TABLEAU 23. Bilan sous Iorne do p ruentogn 5, sstnses d'épargne et do credit (1oca1e et centrales). 1910 British Colo.bia Saakatchewan Alberta - Northssat Terntories - Dollar average Canada Average of Provincial ratio ColonbieBritannique TerrEMoyenne toires du Mord-.est do dollar percentage - pourcentage - Central, - Canireles - Moyenne 'rov1ncia1e NO Act if 1.25 .79 2.97 .17 1.52 1.86 .71 1.02 .16 1.07 1.00 .. .. ., 1.44 .87 9.04 .48 1.42 1.39 3.21 .29 3.35 15.52 4.51 1.85 5901 4.24 3.25 .. 11.83 6.31 25.23 2.97 16.32 .45 2.06 4.40 1.44 10.18 .51 .46 .17 1.84 6.19 .14 .38 52 .. .. ,. .. 1.40 5.26 .55 1.06 2.57 .13 .08 1.41. .12 4.44 5.42 13.97 11.67 1.45 .85 5.64 - . . . . 1.06 3.65 .94 2.65 7.78 .63 .37 1.67 26.20 12.76 9.18 .. 16.75 12.49 43.56 14.68 8.04 2.59 2.89 67.47 2.91 - - .. .. .. .. 32.49 2.09 .66 1.22 53.37 2.94 .94 1.02 .05 - 36.97 .50 1.24 - - - - - .11 . . .. - .. 28.20 70.38 38.71 .. 36.46 58.27 13.39 10.33 4.89 6.12 6.81 .62 40.00 1.48 2.37 .. .. ,. ,. 25.80 1.79 .79 .68 15.31 2.08 1.13 .92 - - - - - - 3.93 6.03 13.89 23.90 - 2.93 1.68 Encaisse et d6p8ts B vue: 1 Encaisse ......................... ................................ a Ddpfts dan. lea banqs.es ..........................................b DépBts dane lea cause. centrales .............................. Autre ......................................................... ..d Total ........................................................ Placonent.: 2 Parts sodden dane lee causes cancrales ........................ a DepOts B teron ................................................. ..b Obligations do gooverne.sent do Canada ............................ c Obligations des provinces ........................................ d Obligations des monicipalites .................................... a institution. religteu.es ....................................... HOpitaus ....................................................... Autree ........................................................... Ii Total ........................................................ Pr8ta: 3 Prats sur reconnaissance de dette: a Per.onnela ................................................... Agricole ....... . ...................................... . ..... ..it Cooperatives at astral encreprlae ................................ iii Autres ............................................................. iv Cai.sas locales d'Cpargne at de credit ............ ..... ........ ....v Total .......................................................... vi Pr8te hypothdcaires: b Habitations .................................................. Fernes ....................................................... .....it Cooperatives at autres entreprise ........................... ... iii Autres ....................................................... ... iv Totgl ...................................................... ... v 34.73 7.43 43.85 ,. 29.06 19.43 4,61 62.93 77.82 82.56 .. 65.52 77.70 28.51 1.93 .48 2,41 2.48 .64 2,48 .35 .. .. 2.42 .57 1,89 .42 1.29 .20 3,12 2.83 . . 2.99 2.31 1.49 Total des pr2ca .......................................... 1obi11.ationa: 4 TerraIns at bitiments ....................................... ...... a Matérial at mobilier .............................................. 6 Total ...................................................... .97 2.48 .94 1.13 1.28 .90 .. .. .23 .68 .39 .80 .07 1.14 DepOts do fond de stabilisation ................................. ...S Astre aetif ......................................................... 6 100.00 100.00 100.00 .. 100.00 100.00 100.00 Total ..................................................... 7 .66 .76 - - .25 - .15 .23 .04 .. .. .. .14 .05 .24 .19 .40 .20 .48 .06 .33 .91 .76 .42 . . .43 .79 .87 2.53 .09 5.18 .43 .26 7.12 .18 .63 .. .. .. 1.84 .12 .20 6.56 .85 .25 .81 2.16 2.62 5.89 7.93 .. 2.16 5.66 2.97 20.51 14.48 21.72 . . 49.40 18.14 4.69 57.73 - - PasaI f Conptes B payer: 11 tntfr8ts .......................................................... a Dividendea ........................................................ b Autres ......................................................... Total ..... . .................................................. ...d .prsnts B rembourser: 12 Aux caisaea centrales ............................................ a Aux basque . ................................................... .. b Autrea ......................................................... Total ........................................................ d De pOt. B e: vu - 22.02 - 42.53 .02 - 21.84 - 36,32 - - 22.61 - . . .. .. - 14.30 - - 18.82 - 1,93 20.28 44.33 .. 63.70 36.96 .02 .. .08 .07 .33 63,18 88.80 84.63 46.08 42.97 52.70 .. 66.37 46.63 .39 49.52 .24 37.23 3.18 .33 .. .. 48.69 .42 .07 7.70 . . 27.17 .31 .11 .. 27.59 49.18 7.75 . . 4.15 .13 .04 .02 .16 4.27 .29 .03 .09 .68 2.25 2.86 - - 47.02 49.76 40.74 ..86 .97 .04 2.47 1.13 3.16 19 .04 .56 .11 .03 .20 .. .. .. .. - - - - .05 - .28 .02 .31 . 3 SociCtaires ....................................................... a Causes locales dCpargne at de credit ...................... ... .b .. DepOts B te.: rm 14 SociCtaires ...................... .............. . .............. ...a Calsses locales d'Cpargne at de credit ............................ B Total des depOts ................................................ c Astra passli ..................................................... ..15 Paaalf total ................................................. 16 Avoir dos sociCtairac Capital social: 20 Parts ordinaires ........................ . ...................... ... a Hontsnt net des successIons at. dotationa ....................... Autres ......................................................... Total ....................................................... d Reserves: 21 Siatutatre ...................................................... a Ponds de stabiluostion .......................................... b Fluctuation des obligations .................................... Ponds d'fducat ion .............................................. Géndrales ...................................................... TotsI ........................................................ .06 4.20 3.50 .. 4.50 5.36 2.84 3.07 3.06 .. 1.54 1.96 .59 Bdneflces non rCpsrtis ............................................ 22 53,92 57.03 47.30 . . 33.63 56.52 11.20 Total de l'avoir des sociCtalres ............................ 23 100.00 100.00 100.00 .. 100.00 100.00 100.00 Total ..................................................... 24 - 44 - 1 TABLE 24. Estimated Statements of Operations for Local and Central Credit Unions, 1970 P. E. 1. N.S. N.B. Nfld. - - - - Qué. Ont. Man. T. -N. I. P. -E. N. -E. N. -B. No. thousands of dollars - milliers de dollars Revenue 1 2 3 4 5 6 14,736 441 1 5 4,109 24 209 2,899 267 268 112,311 30,241 10,770 66,062 3,514 2,603 3 7 37 104 26 179 5,675 11,718 250 2.197 I Total revenue .............. I 1071 457 I 4,483 I 3,6391 170,715 74,626 16,689 273 333 68 166 3,920 3,942 928 490 171 136 214 128 72 9,892 1,395 1,241 67,777 2,617 1,456 5,602 323 2,326 11,563 1,147 523 1,412 1,192 7,486 264 181 2,190 30,346 2,262 1,672 9,418 537 370 8,176 530 304 2,217 121 81 2,214 100 124 2,058 Loan interest .................103 Bond and debenture interest 1 Income from investment in centrals. Service charges .............. .3 Other revenue ................. . - 724 Expenditures - 1 19 44 - 3 8 2 54 48 26 45 1 58 35 10 494 20 190 352 114 23 Audit and inspection 1 Charges: Clearing, service, etc. 9 Depreciation ................. 1 10 Dues: League, federation, etc 11 Heat, power, water ............ Insurance: Loan ....................... 6 12 Other ....................... 13 14 Interest on borrowings 7 1 15 Interest on deposits 2 16 Postage, stationery, telephone 17 Promotional: Advertising, donations, etc. 18 Rent .......................... 19 Repairs and maintenance 14 20 Salaries, honoraria, etc 21 Staff benfits ................ 22 Taxes: Property and business 23 Unclassified .................. 3 7 8 - - - - 17 - - 50 - 424 19 37 118 - - 6 1 69 2 1 11 29 37 790 50 34 111 35 253 2,435 1,376 139,056 35,021 15,700 25 Operating surplus ............. 72 204 2,048 2,263 31,659 39,605 989 26 27 Less: Dividends ............... 44 14 Interest and/or patronage rebates. 104 8 1,238 145 1,544 94 13,924 2,234 27,800 5,317 5,620 412 - - - 24 Total expenditures 28 Unappropriated surplus for the 14 92 year. (1) Canada and provincial totals excludes centrals. 665 77 - 453 - - I 6251 15,5011 6,488 - 5,043 S - 45 - TABLEAU 24. Etats estiniatifs des revenus et des dépenses, caisses d'epargne et de credit (locales et centrales) Canada, 1970 I Centrals Alta B.C. N.W.T. Sask. - - - Canada (1) Alb. C. -B. T. N. -0. Centrales thousands of dollars - millierb de dollars Revenus 22,397 1,635 5,816 1,327 217 10,676 ) - - 1,843 .. 29,619 2,039 33 I I 611 614 I 31,3921 12,5191 33,416 . I I I . .. .. . I 263,353 38,445 20,205 17,262 Interet de pr&ts .....................1 19,103 Intért d'obligations .............. . 2 82 Reveriu de placements dana lea 3 7,929 18,141 centrales, Frais d'administration .............. 4 112 Autres revenus ...................... 5 2,440 1 . . 348,073 50,173 I Total des revenus ................ I 6 Dépenses 236 441 547 288 166 2,386 106 1,412 7,839 528 265 236 222 4,664 265 266 557 - - - 961 - 487 2,230 390 - .. 418 265 148 .. 2,714 105 3,272 7,664 651 237 .. .. 264 355 4,827 230 182 1,371 167 - 2,188 - 1,591 20,4241 8,014 243 437 4,505 10,033 .. . . .. .. . . . . .. .. . . . . . . 9,109 3,219 425 6,413 526 1 . . .. . . 90 1,130 22,524 3,381 10,222 105,065 5,723 2,504 Verification et inspection ........... 7 Frais: Compensation, administration, 8 etc. 218 Amortissement ........................ 9 162 Cotisation: Ligue, fédération, etc 10 32 Chauffage, electricité, eau .........11 Assurances: 24 Préts ............................. 12 50 Autres ............................ 13 2,601 Intért sur emprunts ................. 14 25,688 Intért aur dépts .................. 15 528 Frais de poste, papeterie, téléphone 16 264 Publicité, dons, etc . .............. . 17 1,437 3,256 53,741 3,439 2,583 17,518 171 Loyer ............................... 18 56 Reparations et entretien ............ 19 2,794 Appointexnents, honoraires, etc . .... . 20 222 Avantages sociaux ................... 21 81 Taxes foncières et d'affaires ....... 22 10 ,098 Divers ..............................23 5,646 4,901 1,478 . . I 23,383 I .. I 10,968 50 857 1,422 . . I Total J 24 245,697 44,209 102,346 5,964 Excédent d'exploitation ............. 25 69,015 3,705 125 Déduire: Dividendes ................. 26 Intért et ristournes ............... 27 I 9,225 1 des dépenses ............. 1,809 861 3,094 . 24,106 2,136 lExcddent annuel non affecté ......... 28 Le total du Canada et des provinces ne comprend pns los chiffres dos centraics. - 46 - TABLE 25. Conin-Size Operating Statements Local and Central Credit Unions, 1970 of Nfld. P.E.I. N.S. N.B. 1.-N. 1. P.-. N.-. N.-B. percentage - pourcentage Revenue 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 96.26 Loan interest net ................................. Bond and debenture interest ......................... Investment in centrals ............................. .94 Service charges ..................................... 2.80 Other revenue ..................................... - - I Total revenues ..................................100.00 91.66 .54 4.66 .82 2.32 79.67 7.34 7.36 .71 4.92 .42 .98 1.20 1.07 .58 .47 - - - 11.02 .45 4.24 7.85 2.54 .51 .65 .83 17.62 1.12 .76 2.48 11.65 .52 1.02 3.24 55.36 54.32 - ................. . - - . . - ........................................... - .............................. - - - - 32.71 25 loperating surplus ................................. 6 7.29 65.80 17.71 6.31 3.32 6.86 88.52 4.71 3.49 .34 2.94 88.30 - 4.34 - 7.36 1 100.00 j 100.00 1 100.00 1 100.00 1 100.00 I 100.00 Audit and inspection .............................. .93 .22 Charges; Clearing, service, etc. .66 Depreciation ............. ........................ .93 1.75 Dues; League, federation, etc. ................... .44 Heat, power, water ................................ Insurance: 9.85 Loan ............................................ 5.61 .22 Other 12.69 Interest on borrowings ............................6.54 7.66 . 93 Interest on deposits 2.19 Postage, stationery, telephone .................... 1 . 87 Promotional; Advertising, donations, etc.......... 1.31 Rent .............................................. Repairs and maintenance ........................... . 22 15.08 Salaries, honoraria, etc..........................13.1 0 .44 Staff benefits .................................... .22 Taxes; Property and business ...................... 2,41 Unclassified ...................................... 2.80 Total expenditures ............................ 24 96.50 .22 1.09 .66 1.53 - 1.37 - 2.30 2.31 .54 4.98 1.28 17.78 1.33 .98 5.52 7.51 .43 3.12 15.49 1.54 .70 .72 .50 10.96 .71 .41 2.95 37.81 81.46 46.93 - 5.79 .82 .73 39.70 1.53 .85 .37 .45 .66 .23 .18 2.11 - 12.45 - .41 1.00 1.28 .77 .43 - 8.46 7.14 44.86 1.58 - .72 .48 13.27 .60 .74 12.33 94.07 1 44.64 1 45.68 1 62.19 1 18.54 1 53.07 1 5.93 26 27 Less; Dividends ................................... 41.12 Interest and/or patronage rebates ................13.08 22.76 1.75 27.62 3.23 42.43 2.58 8.16 1.31 37.25 7.12 33.68 2.47 28 Undivided aurplus ................................13.09 20.13 14.83 17.18 9.08 8.70 -30.22 29 Total ..................................... 00.00 100.00 100.00 100.00 100.00 100.00 100.00 - 47 - 'A1IA1 25. Ktats dee revenue et des dCpenses 80U8 forme de pourcentages, caisses d'épargne at decrCdit (locales et centrales), 1970 Canada Based on Alta. B.C. N.W.T. Based average of Centrals Sask. - - - on dollar provincial Aib. C. -B. T. N.-0. values ratios Centrales PondCs sur FondCa sur la valeur lea moyenen dollars flee pro___________ vinciales percentage - pourcentage No - Revenue 1 85.28 88.64 6.10 11..59 83 1.84 75.66 11.05 5.80 2.28 5.21 85.20 34.41 Intér8t de prta, net ...........................1 4.18 38.08 Intdrét d'obligatione ......................... 2 . 4.83 .16 Placements dane lee caisaes centrales ...........3 1.19 4.86 Frais d'adminietration .........................4 4.60 22.49 Autres revenue ..................................5 100.00 I 100.00 I 100.00 100.00 100.00 100.00 Total des revenue ............................6 71.34 5.21 18.53 4.23 .69 - 14.72 Dépenses • 1.40 1.74 .92 .53 7.60 .34 4.50 24.98 1.68 .84 .75 .71 14.86 .84 .85 1.77 - 7.68 - 3.89 17.81 3.11 - 1.33 - 17.48 - 12.71 .. .. .25 .41 1.62 1.41 .42 .41 .54 .91 1.01 .31 .18 2.25 .43 .32 .06 .. .. .. .. .. .. .. .. .. .. .. .. 6.47 .97 2.94 30.18 1.64 .72 .41 .94 15.44 .99 .74 5.04 7.48 1.15 5.37 18.55 1.80 .36 .84 .51 14.70 .57 .45 5.21 .05 .10 5.18 51.20 1.05 .53 .34 .11 5.57 .44 .16 20.13 .73 1.31 1.25 .79 .44 .. .. 8.12 .31 9.79 22.95 1.95 .71 .79 1.06 14.45 .69 .54 4.10 . . Verification et inspection .......................7 Frais: compensation, administration etc .......... 8 Amortissement .................................... 9 Cotisation: Ligue, fCdCrstion, etc............ . 10 Chauffage, electricité, eau .................... 11 Assurances: Préts ........................................ 12 Autrea ....................................... 13 IntérCt sur emprunts ............................14 Intérét sur dCpBts ..............................15 Frais de poete, papeterie. téléphone ............ 16 Publicite, dons, etc ........................... 17 Loyer .......................................... 18 Reparations et entretien ....................... 19 Appointements, honoraires, etc. ............... . 20 Avantages sociaux .............................. 21 Taxes foncièree et d'affaires .................. 22 Divers ......................................... 23 65.06 I 64.01 I 69.98 J .. I 70.59 I 60.17 I 88.11 I Totsi 34.94 I 35.99 1 30.02 1 .. 29.41 1 39.83 1 11.89 1 des dCpensea ........................ I 24 Excédent d'exploitation ........................25 29.01 .15 25.71 3.39 19.19 1.57 .. .. 19.83 2.65 28.69 3.67 7.38 .25 Déduire: Dividendes ............................. 26 IntCr8t et ristournes ........................... 27 5.78 6.89 9.26 . . 6.93 7.47 4.26 BCnCficee non répartis ......................... 28 100.00 100.00 100.00 .. 100.00 100.00 100.00 - Total .................................. 29 48 TABLE 26. Estimated Statements of Undistributed Surplus for Local and Central Cred it Unions, 1970 N .S. N.B. - - - Qué. Ont. Man. T. -N. I. P.-. N .-E. N.-B. Nfld. P.E.I. No. thousands of dollars - milliers de dollars 112 1 IBalance beginning of year. I 1,6041 348 I 31,337 1 4,852 1 6,353 Add: 2 Operating surplus 2041 2,0481 2,263 72 I 31,659 139,600 I 989 Deduct: Appropriations to: 3 Statutory reserve 15 - - - 96 4 Bond fluctuation reserve. 5 Education reserve - 6 Other reserves - 7 Dividends on shares 44 8 Patronage and/or interest rebates. 14 9 Other adjustments 419 430 12,581 5,442 - 38 120 - 161 - 71 4 - 491 - 104 1,238 1,544 13,924 27,800 5,620 8 145 94 2,234 5,317 412 1,770 628 126 11 - - 10 Balance end of year 8 170 1 - 3 1,741 416 (1) Canada and provincial totals exclude centrals. 1 - 36,027 4,517 1,184 - 49 Tj\fLEAU 26. Etats est Lmatifs des bénéfices non répartis, caisses d'épargne et de credit (locales et centrales), 1970 Alta. B.C. N.W.T. Centrals Sask. - - - Canada' Aib. C.-B. T. N. -0. Centrales NO thousands of dollars - milliers de dollars 12,297 4,143 9,997 .. 71,052 3,584 ISolde au debut de 1 'année. Ajouter: 10,968 4,505 10,033 102,341 5,964 Excédent d'exploitation. 2 Déduire: Affectations: 2,234 816 4 - A la reserve statutaire. 3 59 A la reserve pour fluctuation des obligations. 4 Au fonds d'éducation 5 Aux autres reserves .. 6 2,035 .. 23,995 1,601 41 .. 141 15 59 134 .. 538 14 271 6 131 .. 974 256 9,109 3,219 6,413 69,015 3,705 50 425 526 .. 9,225 125 - . . 35 11,547 - 97 4,220 10,750 .. - 1,075 70,580 - Dividendes des parts sociales. 7 Ristournes et intért .. 8 127 Autres rajustements .... 9 3,915 Solde a la fin de 1 'année. (1) Le total du Canada et des provinces ne comprend pas les chiffres des centrales. 10 17, DATE DIJ STATISUCS cAAr. LIBPAP BIBLIOTHEQUV ATlS IQJ[ CAr4AIL I IlI I I II I I I I 11 1010530642 0

Credit Caisses D'e'pargne Unions Et De Credit

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