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D'épargne Credit Unions Et Ide Credit

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CATALOGUE 61-209 ANNUAL Credit unions :1974 CATALOGUE 61 -209 ANNUEL CANADA d'épargne et Ide credit T*j CA FROM THE tA BULM-THipUr . Statistics Canada Statistique Canada isses 44 C 0 STATISTICS CANADA STATISTIQUE CANADA B:iness Finance Division Division des finances des entreprises I tiancial Institutions Section Section des institutions linancières CREDIT UNIONS CAISSES D'EPARGNE ET DE CREDIT 1974 fl Published by Authority of The Minister of Industry, Trade and Commerce Publication out orisée par le ministre de lindustrie et du Commerce November . 1976. Novembre 5-4.1O1-i6 F icr I rr ,t.ti'ii rid. 'dli ri iii! ssli cr lrli'driic .11 Reproduction .Lutoriscc sous rser% e ii india tion de 1.1 Ottawa ri ri nit it 4OII cc:ta (ii t nj n ir nil Lie ( ..iinad,i 1 O1'A Inquiries about this publication should be addressed to Mr. R.R. Rotor, Financial Institutions Section of the Business Finance Division in Ottawa, Ontario, K1A 0T6. (Telephone: 996-6631) or to a local office of the bureau T s User Advisory Services Division. Toutes demandes de renseignements sur la présente publication doivent atre adressees a M. R.R. Rotor, la Section des institutions financières de la Division des finances des entreprises, a Ottawa (Ontario), K1A OT6. (Téléphone: 996-6631) ou a un bureau local de la Division de l'assistance-utilisateurs situé aux endroits suivants: St. John's (Nfld..) Saint-Jean (T.-N.) (726-0713) Halifax (426-5331) Montréal (283-5725) Ottawa (992-4734) Toronto (996-6574) Winnipeg (985-3257) Regina (569-5403) Edmonton (425-5052) Vancouver (666-3594) I S TABLE OF CONTENTS Page Intoduction ............................. NationalTrends ......................... Provincial Trends ...................... Page 7 Introduction 8 Tendancesnationales 8 Tendances provinciales ................................. ......................... ....................... 8 ...................................... 10 Uniformisation des statistiques ............................ 10 Méthode 11 Statistiques sous forme do pourcentage ................. 8 10 10 Common-size Statistics 7 .............. .......... Standardization of Statistics Methodology TABLE DES 1ATIERES ....... 11 Graphique Chart 1. Total Assets of Selected Financial Institutions, 1974 12 1. Actif total de certaines institutions financires, 1974 12 2. Personal Savings in Selected Institutions, 1974 12 2. 1pargne personnelle dans certaines institutions, 1974 12 3. Personal Loans Outstanding by Selected Institutions, 1974 13 3. Créances personnelles actives dans certames institutions, 1974 13 - 'thrtgages Outstanding by Selected Financial Institutions, 1974 13 4. Hypothques impayées par certaines institutions financières, 1974 13 ............... .................... ......... ..... Growth of Membership In Local Credit Unions, 1950-1974 ............. 14 ...................... .......................... .............. .............. 5. Croissance du nombre de sociétaires dans les caisses locales d'5pargne et de rré14 dit, 1950-1974 ......................... 15 6. Actif total de caisses locales d'épargne et de credit, par province, 1950-1974 15 7. Selected Financial Institutions Growth Trend of Total Assets, 1950-1974 16 7. Certaines institutions financlères - Le nouvement de croissance d'actif total, 1950-1974 16 8. Composition of Assets, by Province, 1974 17 8. Composition do l'actif, par province, 1974 17 9. Composition of Liabilities and Equity, by Province, 1974 18 9. Composition du passif et de l'avoir, par province, 1974 18 10. Composition of Revenue, by Province, 1974 19 10. Composition du revenu, par province, 1974 19 11. Composition of Expenditures, by Province, 1974 20 11. Composition des dépenses, par province, 1974 20 6. Total Assets of Local Credit Unions, by Province, 1950-1974 ........... ........................ ............................. ........ ....................... ................... Table 1. Statistical Summary, 1974 ................................... ......................... ................................... .................................. Tableau .......... 22 1. Résumé statistique, 1974 24 2. Croissance des caisses locales d'Cpargne et de credit, 1920-1974 rowth Record of Local Credit w Unions, 1920-1974 .............................. ................ ................. ................ 22 24 TABLE OF CONTENTS - Continued TABLE DES MATIERES - suit Page Table Tableau 3. Local Credit Unions, Chartered Bank Branches and Trust Company Branches, by Province, 1974 ............ 24 3. Caisses locales d'épargne et de credit, succursales des banques a charte et des sociétés de fiducie, par province, 1974 ................................... 24 4. Membership Compared With Labour Force and Population, 1974 ....... 24 4. Nombre de sociétaires compare a la population active et la population, 1974 ... 24 5. Membership in Local Credit Unions, 1974 ............................. 26 5. Nombre de sociétaires des caisses locales d'epargne et de credit, 1974 ........... 26 6. Number of Chartered Local Credit Unions, by Province, 1974 ........ 26 6. Nombre de caisses locales d'épargne et de credit, a charte, par province, 1974 ... 26 7. Local Credit Unions Classified by Asset Size, 1974 ................. 26 7. Classement des caisses locales d'épargne et de credit suivant l'actif, 1974 ..... 26 8. Balance Sheets - Locals, 1974 ...... 28 8. Bilans - Locales, 1974 ................... 28 9. Common-size Balance Sheets - Locajs, 1974 ............................. 32 9. Bilan sous forme de pourcentage - Locales, 1974 ................................... I). Revenue and Expense StatecLut Locals, 1974 ..................... 36 10. itats des revenus et dépenses - Locales, 1974 ................................... 11. Common-size Revenue and Expense Statement - Locals, 1974 ......... 38 11. Etats des revenus et dépenses sous forne de pourcentages - Locales, 1974 ........ 38 12. Undivided Surplus Statement Locals, 1974 ..................... 40 12. tats estimatifs des bénéf ices non repartis - Locales, 1974 ................. 40 13. Allowance (Reserves) for Doubtful Non-mortgage Loans Statement Locals, 1974 ..................... 40 13. ttats des provisions (reserves) pour préts sur reconnaissance de dette douteux - Locales, 1974 .............................. 14. Allowance (Reserves) for Doubtful Mortgage Loans Statement - Locals, 1974 ............................. 40 14. Etats des provisions, reserves pour prts hypothCcaires douteaux - Locales, 1974 ... 40 15. Balance Sheets - Centrals, 1974 .... 42 15. Bilans - Centrales, 1974 40 ................. 16. Common-size Balance Sheets - Centrals, 1974 ...................... 46 16. Bilans sous forme de pourcentages - Centrales, 1974 ........................... 46 17. Revenue and Expense Statement Centrals, 1974 ................... 50 17. Etats des revenus et des dCpenses - Centrales, 1974 ........................... 50 18. Common-size Revenue and Expense Statement - Centrals, 1974 ....... 52 18. Ftats des revenus et depenses sous forme de pourcentages - Centrales, 1974 ...... 52 19. Estimated Statements of Undivided Earnings - Centrals, 1974 ........ 54 19. Etats estimatifs des bénéfices non répartis - Centrales, 1974 .................. 20. Estimated Statements of Reserve Accounts - Centrals, 1974 ........ 54 20. 9tats estimatifs des comptes de rdserve Centrales, 1974 ........................ Page Table Page Tableau 21. Assets, Liabilities, Revenue and Expenses, by Size of Locals, 1974: Under $100,000 ................... $ 100,000 to $ 249,999 ....... 250,000 to 499,999 ....... 500,000 to 999,999 ....... 1,000,000 to 2,499,999 ....... 2,500,000 to 4,999,999 ....... 5,000,000 to 9,999,999 ....... 10,000,000 to 24,999,999 ....... 25,000,000 and over ............. 56 56 58 58 60 60 62 62 64 22. Local Credit Unions, by Typo of Association, 1974 .................. 64 21. Actif, passif, revenus et dépenses, sulvant l'importance des locales, 1974: Moms de $100,000 ...................... $ 100,000 A $ 249,999 .............. 250,000 a 499,999 .............. 500,000 A 999,999 .............. 1,000,000 a 2,499,999 .............. 2,500,000 a 4,999,999 .............. 5,000,000 a 9,999,999 .............. 10,000,000 a 24,999,999 .............. 25,000,000 et plus .................... ..... 66 ......... 68 ............ 70 66 23. Prts consentis - Locales, 1955-1974 ....... 68 24. Comptes de prts - Locales, 1974 ............. 70 25. But des prts consentis, 1974 24. Loan Accounts - Locals, 1974 56 56 58 5€ 60 60 62 62 64 22. Caisses locales d'épargne et de credit, par genre d'associatlon, 1974 .......... 64 ..... 23. Loans Made - Locals, 1955-1974 i,. Purpose of Loans, 1974 ose of Loans Made as a Percent'e of Total Loans, 1974 ......... 72 . . 26. But des prts consentis, en pourcentage du total des prts, 1974 ............... 72 - . ,i.ber of Credit Unions Offering Services, by ProvInce, 1974 ...... 74 27. Nombre de caisses d'Cpargne et de credit assurant des sorvices, par province, 1974 ................................... 74 26. Schedule of Interest and Dividend Rates of Local Credit Unions, by Province, 1974 ................... 74 28. Taux d'intérët et de dividende des caisses locales d'épargne ot de credit, par province, 1974 ......................... 74 29. Number of Employees of Local Credit Unions, by Province, 1974 ........ 74 29. Nombre d'employés des caisses locales d'épargne et de credit, par province, 1974 ................................... 74 30. Average Deposits and Equity, by Local Credit Union Members, by ProvInce, 1972-1974 .............. 76 30. Avoir en d6p6ts moyen des caissos locales, par sociCtaire, par province, 19721974 ................................... 76 31. Rate of Growth of Book Equity, Per Local Credit Union Member, by Province, 1972-1974 .............. 76 31. Taux de croissance de l'avoir comptable des caisses locales, par soclétaire, par province, 1972-1974 ................ 76 Selected List of Publications Relating to Credit Unions ..................... 78 Liste de publications concernant los caisses d'épargne et de credit ..................... 78 Provincial Credit Union Acts ........... 79 li,t of Provincial Credit Union Admin;Lrators ............................. I) Lois provinciales des caisses d'épargric et de credit ..................................... 79 Liste des administrateurs provinciaux des ;1i ss d ':qrone ol (Ic crCd it S SYMBOLS The following standard symbols are used in Statistics Canada publications: SiGN ES CONVENTIONNELS Les signes conventionnels suivants sont eniployés uniformáment dans les publications de Statistique Canada: figures not available. nombres indisponibles. figures not appropriate or not applicable. fl'ayaflt pa Ikil d jill! - nil or zero. - néant • - amount too small to be expressed. - - nombres infitnc. P P x preliminary figures. Ou /CI. nombres provisoires. revised figures. nombres rectifiés. confidential to meet secrecy requirements of the Statistics Act. confidentiel en vertu des dispositions de Ia Loi sur Ia statistique relatives au secret. INTRODUCTION Canadian credit unions celebrated their 75th anniorsary in 1975. . Lea caisses d'épargne et de credit du Canada ont célébré en 1975 leur 75e anniversaire. Alphonse Desjardins, a journalist was determined u help the poor in Quebec. After several years of re.earch and correspondence with European co-operators, in particular Henry U. Wolff of England, he unveiled his plan for a people's bank, the caisse populaire. Eighty persons signed up as members on December 1, 1900 and deposited $26.40. Alphonse Desjardins organized another caisse the next year and a third in 1905. In 1907, he assisted in the establishment of the first credit union in the U.S. at Manchester, New Hampshire. Un journaliste du noin d'Alphonse Desjardins s'Ctait mis dana la téte de venir en aide aux QuCbécois moths fortunes. Aprls plusleurs années de recherches et de correspondance avec des collaborateurs européens, plus particulièremcnt avec Henry W. Wolff (Angleterre), il dévoilait son projet do créer une banque accessible a tous, Ia caisse populaire. Le 1er décembre 1900, 80 personnes en dcvenaient membres et y dCposaient $26.40. L'annCe suivante, Alphonse Desjardins fondait une autre caisse qu'il fit suivre d'une troisime en 1905. En 1907, 11 participait B l'dtablissement de la premiere caisse d'Cpargne et de credit, B Manchester (Now Hampshire). From these humble beginnings credit unions in North America developed remarkably. Today, they have total assets approaching $16 billion. Several credit unions have grown into veritable financial 'department stores" or financial conglomerates, allowing the individual to do all his banking and financial business under one roof. At such local credit union offices. the individual can deposit his savings, obtain personal and mortgage loans, purchase life insurance and other types of Insurance, obtain advice on security investments, purchase or sell mutual fund shares, leave funds in trust, buy travellers cheques, rent safety deposit boxes and do other financial business. De ces modestes debuts, lea caisses d'epargne et de cr6dit ont pris un essor remarqusble en Amérique du Nord. Aujourd'hui, leur actif total atteint presque $16 milliards. Plusieurs caisses d'Cpargne et de credit sont devenues de yentables "grands msgasins" on conglotnCrats financiers offrant sous Un méme toit une gsmme étendue de services bancaires et financiers B l'intention des particuliers. Ces bureaux locaux reçoivent l'épargne, consentent des prlts personnels ou hypothécaires, vendent de l'assurance-vie ou tout autre genre d'assurance, dispensent des conseils en matiCre de plaeements de valeurs mobiliBres, vendent ou achBtent des actions do fonds mutuels, reçoivent des somines en fiducie, vendent dea chlques de voyage, louent des coffrets de sreté et s'occupent de bien d'autres operations financiBres. Credit unions and caissus populaires are chartered under provincial legislation and are authorized to carry on credit union activities only within the respective provincial boundaries. Lea caisses d'épargne et do credit et lea caisses populaires sont autoniaCes en vertu d'une loi provinciale B exercer leurs SctivitIs dana leur domaine B l'intérieur do leur province respective. Each local credit union Is an autonomous entity &onprised of a group of individuals with a common bond t ,rovide its members with convenient savings and u roulng accommodations. Hembership in the local is n&d by payment of a nominal entrance fee and by purcose of at least one share. Each member is entitled only one vote. Chaque caisse locale est une unite nutonome compoaCe d'un groupe de personnes syant un certain lien commun entre elles et structurée de facon B fournir B sea membres des serviges commodes d'épargne Ct d'emprunt. On devient habituellement membre en payant une cotisation nominale et en achetant au moms une part. Chaque membre a droit a seulement un Vote. Credit unions grew rapidly in number during the 1940's and 1950's to peak at 5,000 by 1965. Since then, credit unions have tended towards mergers and branch operations, with the result that the number of charters decreased to 4,194 by the end of 1974. On the other hand, the number of those with total assets over $5 million has increased to 512 from less than 100 in 1965. In other words, there is one credit union with total assets over $5 million for nearly every eight credit unions chartered. Le nombre de cslsses d'épargne et de credit a augmenté rapidement au cours des années 1940 et 1950, atteignant un sommet de 5,000 en 1965. Depuis lors, elles ont commence B se fusionner et B exercer leur activitC par le truchement de succursales, ce qui a fait diminuer le nombre de chartes B 4,194 B Is fin do 1974. D'autre part, los caisses dont l'actif total depasse $5 millions, se sont multipllées do sorte quo l'on en compte maintenant 512; leur nombre n'atteignait pas 100 en 1965. En d'autres termes, parmi huit caismea d'Cpargne et de credit B charte, une détient Un actif total aupérieur B $5 millions. With this rapid growth, particularly the growth towards larger institutions, has come expanded powers. Bill C-183 allows centrals to utilize financial markets and to broaden their investment portfolios. Bill 0-135 authorizes credit unions to purchase and sell NRA mortgages and to borrow funds from the Crown corporation. Credit union managers are now permitted to act as guarantors for passport purposes. Cette croissance rapide, sxée en particulier sur la cr6ation des grosses institutions, s'est accompagnCe d'une étendue de pouvoirs. Le projet de Loi C-183 a permis aux caisses centrales d'accéder aux marches financiers et d'elargir le champ de leurs portefeuilles de placements; pour sa part, le projet de Loi C-135 a autorisé lea caisses d'épargne et do credit B acheten ou B vendre des hypothCques de la S.C.H.L. Ct B emprunter des fonda aux sociCtés de la Couronne. Les directeuns des caissea d'épargne et de credit peuvent maintenant se porter garants en cc qul concerns Ia délivrance do passeports. Credit unions are making innovations across Cansda. In the west, the centrals have established the Northland Bank, which has its head office in Winnipeg. In Quebec, the SociCté d'Investlssement Desjardins (9.1.0.) was incorporated to provide financial services to industrial and commercial enterprises. A national co-operative education institution was established in Saakatoon, Saskatchewan in October 1973, when the Cooperative College of Canada received a federal charter. Les csisses d'épargne et de credit innovent en plusleura domaines partout au Canada. Dans lea provinces do I'Ouest, lea centrales ont établi is Northland Bank, qui a son siBge social B Winnipeg. Au Québec, la Société d'Investissement Desjardins (S.I.D) a eté constitué en corporation afin de fournir des services financiers aux entreprises industrielles et commercialea. L'octroi d'une charts fédérale au collBge coopératif du Canada a donné naissance, en octobre 1973, B un établissement national d'enaeignement coopératif B Saakatoon (Saskatchewan). The innovative and dynamic nature of the credit in Canada is best exemplified by the Complexe . rdins, a giant $166 million project in the heart .iitreal. With the introduction of the Tax Reform Bill on i.e .e ry 1, 1972 credit unions became taxable in a way siejijar to other financial institutions. On ne saurait mieux décrire le caractBre innovateur et dynamique des caisses d'épargne et de credit su Canada que par le Complexe Desjardins, gigantesque construction do $166 millions qui so dresse au coeur de Montréal. Avec Is presentation du projet de Loi sur la rCforme fiscsle le len janvier 1972, lea caisses d'pargne et de credit sont devenues imposables au méme titre que les autres institutions financiBres. -8- Under the Act, credit unions would be permitted to deduct interest payments, dividends on shares and interest rebates on loans in determining income for tax purposes. It has been established that share capital in credit unions is similar to deposits in other institutions and thus any dividend payments on these shares should be treated as a deductible expense against taxable income. D'après la Loi. on permettrait aux caisses d'épargne de credit de dCduire lea frais d'intêrét, lea dividendcs suc actions et lea rabais d'intdrét sur des préts en calculant I revenu imposable. Il a etC dCmontrC que le capital-actionu dans lea caisses d'epargne Ct de credit eat semblable aux pCts auprés d'autres institutions et sinai tous lea paiemen de dividendes sur ces actions devraient Ctre traitCs comme uu dépense deductible du revenu imposable. Under the Act, reserves allowed credit unions for tax purposes will be the same as those permitted other financial institutions. Aux termes de la Loi, lea reserves permises aux caisses d'Cpargne et de credit aux fins de l'imp6t seront semblables S celles qu'on permet aux autres institutions financiCres. Central credit unions are organized as central banking entities to service their local credit union members. Their primary functions are to receive and invest surplus funds from member locals and to act as lender of last resort to the locals. They do the clearing for credit union cheques. While not all centrals provide the same range of services, as a group their services include: the promotion of desired credit union legislation, organization of credit union locals, assisting locals in the organization of their accounting system, providing members with education services, management consultant services, insurance services, research services, data processing services, etc. Les caisses centralea d'epargne et de credit sont organisees contme entitCs bancaires afin do fournir des services aux caisses locales membres. Leurs fonctions premiCres sont de recevoir et de placer lea excCdents do fonds de caisses locales membres et d'agir S titre de prCteur ultime. lilies payent los cheques. Bien que toutes los centrales n'offrent pas la aCme gamme de services, leurs services, en tant que groupe, sont axes sur: l'Claboration do lois destinées aux caisses d'Cpargne et de crCdit, l'organisation do caisses locales ainsi que sur l'aide apport6e aux caisses locales pour lorgartisation de leur comptabilité. Elles offrent aussi aux caisses d'épargne et de crCdit des services notamment d'éducation aux membres, des services administratifs en consultation, des services en assurance, des services de recherche ainsi qua des services de traitement des donnCes. In most provinces there is only one central institution but some have several, each having its own local credit union membership. Dans la plupart des provinces, ii n'y a qu'uno institution centrale, mais ii pout en exister plusieurs darts certaines provinces, chacune dominant sea propres caisses locales d'epargne et do credit. S Tendances nationales Ntinnn1 Trends The trend towards fewer but larger credit unions continued as 1974 found itself with 63 fewer credit unions than in the previous year and with three less inactive credit unions. On the other hand, credit unions are fast becoming larger with 512 now over $5 million in total assets which is 71 more than in the previous year, an increase of 16% for this highest size category. La tenance S is baisse du nombre ot S 1accroissemei de la taille des -aisses d'Cpargne at de credit s'est pour vie en 1974, an effet, le nombre do caisses a diminuC de 6 celul de caisses inactives a baissf de trois. Par contre, caisses d'epargne et de credit grossissent rapidement car d'entre elles, soit 71 de plus que l'annCe prCcCdente, oft maintenant un actif global supCrieur S $5 millions. C'est augmentation de 16 1 do cette categoric des caisses lea plus considCrables. Membership in credit unions increased by 6.6% to 6,80,625 members while total assets rose for the third consecutive year (by 18.4%) to over $10.0 billion. The average number of members increased by 8.3% to 1,623 per credit union and on average each member had equity and deposits amounting to $1,408, for an increase of 10.9% over the previous year. La nombre de membres des caisses d'épargno et de credit a augmentf de 6.6 1 pour atteindre 6,805,625 membres, tandis que l'actif global montait pour is troisi4me annCc de Suite (de 18.4 1) pour s'êtablir B $10.00 milliards. Le nombre mayan do membres s'est accru do 8.3 1 jusqu'S 1,623 et en moyenne, chaque wembre possédait des parts sociales at des economies totalisant $1,408, soft 10.9 1 de plus quo l'année precédente. Rate of return to members rose to 5.5% from 5.1% in the previous year. Pendant la mCme pCriode, le tauX de rendement pour lea membres est passé de 5.1 % 3 5.5 1. Mortgage loans increased to nearly 39% of total assets from nearly 36% in the previous year; cash loans increased to 30.2% of total assets from 30.0%. Investments decreased from 19.7% to 14.71 of total aSsets. Deposits by members increased to 72,51 of total assets from 70.3% in the previous year. La proportion de l'actif global constituéo de prCts hypothfcaires reprCsente prCs de 39 1 comparativement S prés de 36 % l'année prCcCdente; los prCts en espéces sont monte de 30.0 1 de l'actif global 5 30.2 1. Las placements ant baissé do 19.7 1 5 14.7 1 de l'actif global. Les dCpCts des membres ont atteint 72.5 1 de l'actif global B partir de 70.3 2 un an plus tét. There are about two credit unions for every three branches of chartered banks and about 6.7 credit unions for every branch of trust companies. In Quebec, there are more credit unions than branches of chartered banks and trust companies combined. On compte environ deux caisses d'épargne at de credit pour trois succursales bancaires at quelque 6.7 caisses pour chaque succursale de sociCtf de fiducie. Au Quebec, il y a plus de caisses d'Cpargne et de credit qua de succursales de banques S charte et de sociétés de fiducie réunies. Provincial Trends . Tend an c as pv Inc Ia lea British Columbia Colombie-Britann I Membership in credit unions decreased by 2.1% to 542,288 members or to almost 60% of the labour force at the end of 1974. Total assets increased significantly to $1,210,802,000 or by almost 22%. A large Le nombre dit a baissC do ui i'i soft presque 60 1 dc la population active, a Ia tin de 1974. L'actif global a augmentC d'environ 22 7 pour atteindre S -9- rtlon of this Increase was invested in mortgages $1,210,802,000. One grande partle de cette augmentation était table aux hypothBques au titre de l'habitatton, gui reprétalent 67.3 Z de lactif global comparativement A 66.0 % en Membership rose by over 6.1% to 246,008 members or to almost 33% of the labour force. Total assets rose by 22.3% to $393,052,000. Loans have increased by $56,040,000 or 22.2% to a total of $307,965,000; residential mortgages represent 34.1% of the total outstanding loans. La nombre de sociltaires a progress6 de plus de 6.1 1 pour s'ftablir 5 246,008 membres, soit presque 33 1 de la population active. L'actif global a augmente d'environ 22.3 1 poor sCtablir S $393,052,000. Lea pr6ts ont enregistré une augmentation de $56,040,000 ou 22.2 1 pour atteindre $307,965,000. Lea hypothiques au titre de l'habitation représentent 34.1 1 du portefeuille des préts. Saska tche:an Saskatchewan Membership continued to increase in 1974, reaching 396,474 members at the end of December 1974, representing over 43.7% of the total population of the province. Assets rose substantially, up 25.62 to over $1,035 million, with investments showing a 19.9% increase and mortgage loans a 32.3% increase. On the liability side, the largest increase came in term deposits which rose 33.3%. Le nombre de sociltaires a continue son accroissement pour s'établir 5 396,474 membres S la fin de 1974, soit 43.7 1 de Ia population de la province. Les actifs ont progressé d'envjron 25.6 1 pour atteindre presque $1,035 millions. Lea placements ont augmenté de 19.9 1 et lea préts hypothécaires de 32.3 1. flu cté du passif ce sont lea d6p6ts S tense qui ont le plus augmenté 33.3 1. Manitoba Manitoba Membership in credit unions rose by almost 8.3% to 272,387 members or to over 65Z of the labour force. Total assets increased by nearly 222 to almost $492 million. Most asset items increased with residential mortgages shoving the highest dollar amount and percentage rise (nearly 297). Deposits rose by over 20 Le nombre de sociCtaires des caisses d'êpargne at de crédit a augmenté d'environ 8.3 1 pour s'Ctablir 5 272,387 membres, soit plus de 65 1 de is population active. L'actif global a progreasé d'environ 22 Z pour atteindre presque $492 millions. La plupart des postes de l'actif nat enregistrC une augmentation; en particulier cc sont lea hypothèques au titre de l'habitation ant le plus fortement progressé tant en valeur absoluc qu'en ir relative (prs ic 79 7). ic's dpts s' sent i - .' ri. dc The number of active credit unions and caisses populaires in Ontario continued its downward trend to reach 1,286 as at December 51, 1974. Membership rose during 1974 over the previous year by 9.0% to 1,341,029 members, or close to 36% of the labour force and slightly over 16% of the total estimated population of Ontario. The total value of credit union assets reached $1,815,379,000 (an increase of 14.1 over 1973) accounting for 18.1% of the national total. While all asset items showed significant gains, the largest in terms of dollars, was personal cash loans for an increaae of $90,375,000. La nombre de caisses d'épargne et de credit actives en Ontario a continue as baisse en 1974, diminuant jusqu'S 1,286. Le nombre de sociétaires a augmente de 9.0 1 pour s'établir S 1,341,029 membres, soit près de 36 1 de Ia population active et environ 16 1 de la population de la province. L'actif global a progressé d'environ 14.1 1 pour atteindre $1,815,379,000, soit 18.1 % du total national. Bien que tous lea postes de l'actif alent enregiatré one augmentation, cc sont lea prts sur reconaissance de dette personnels qui nat le plus augmenté en valeur absolue, soit une augmentation de $90,375,000. Quebec Québec Membership rose by 7% to 3,711,616 members or to 141% of the labour force in the province. Total assets rose 17% to almost $4.9 billion. Most major assets increased with residential mortgage loans rising by 30% and personal cash loans by almost 26%. Most of these increases in assets were financed by deposits which rose by almost $595 million or by 17% and share capital which rose by almost $69 million or 172. Le nombre de sociétaires a augmenté de 7 1 pour s'établir 3 3,711,616 membres, soit environ 141 1 de la population active de la province. L'aetif global a progressé de 17 1 pour s'élever S $4.9 milliards. La plupart des postes de l'actif ont enregistré une augmentation, en particulier lea hypothéques au titre de l'habitation (30 1) et les prts personnels sur reconnaissance de dette (26 1). La plupart des augmentationa des postes de l'actif ont êté finances par lea d6p6ts gui ont augmentC de presque 595 millions de dollars, soit 17 1 et le capital social gui a augmenté de presque $69 millions, soit 17 Z. New Brunswick Nouveau-Brunswick . Membership rose 9.4% to 142,762 members or close ,7% of the labour force. Total assets increased by rly 26% to $105 million. Most of the funds went a loans, with $54.3 million going to personal loans $27.7 million going to mortgage loans. Total loans tinted to 81% of total assets. Le nombre de sociétaires a augmenté 9.4 1 pour atteindre presque 142,762 membres, soit environ 57 1 de la population active. L'actif global a augmenté d'environ 26 1 pour s'Ctablir S $105 millions. La plupart des fonds ont été places dans les pr5ts, dont $54.3 millions dans les prts personnels et $27.7 millions dana lea hypothques. Le total des prts représente 81 2 de l'octif global. - 10 - Nova Scotia Nouvelle-Ecosse Membership rose by 6.6% to almost 128,438 members or to nearly 432 of the labour force. Total assets increased by nearly 142 to almost $103 million with most of the funds going into personal loans. Le nombre de sociétaires a augmenté d'environ 6.6 1 atteindre presque 128,438 membres, soit environ 43 1 de Li pulation active. L'actif global a progressé d'environ 14 pour s'Itablir B $103 millions. La plupart des capitaux i étë places dana les préts personnels. Prince Edward Island I le-du-Prince-Edouard The number of members increased by 6.6% to 17,105 representing 40.7% of the labour force. Assets increased by 13% to $14.1 million, almost all of which represents loans to individual members. Le nombre de sociétaires a augmenté d'environ 6.6 1 pour s'établir 3 17,105 membres, soit 40.7 1 de la population active. I.'actif global a progressé d'environ 13 1 pour s'établir ?i $14.1 millions. Presque toute cette augmentation était constitué par des préts aux membres. Newfound land Terre-Neuve The number of members increased by 5.4' to 6,725 or about 3.6% of the labour force. Total assets increased by almost 20 1 to close to $5.5 million, of which 862 represents personal loans. The growth in assets was financed by share capital which increased 12.6% and deposits which increased 131.2% (mainly term) Le noinbre de membres a augmenté de 5.4 1 pour s'Ctablir 3 6,725 membres, soit environ 3.6 1 de la population active. L'actif global a augmenté d'environ 20 % pour atteindre $5.5 millions, dont 86 1 sous forme de préts personnels. L'accroissement des actifs a été finance par l'augmentation du capital social (12.6 1) et des dépéts (131.2 1). Standardization of Statistics After extensive research by a national committee under the chairmanship of Mr. A. A. (Tony) Ueidt covering several national and regional meetings, a standardized questionnaire has officially accepted and approved for use by all provinces at the 14th Interprovincial Conference of the National Association of Administrators of Co-operative I.egislation in June 1967. Most provinces are now collecting data from local credit unions on the basis of this uniform accounting system modified to adhere more closely to provincial practices. As a result, the credit union movement has a soundly based structure of statistical data which enables comparison with other financial intermediaries and wich other provinces. The NAACL at its 21st annual national conference in May 1974 approved amendments to the 1967 questionnaire. As a result, an up-dated uniform questionnaire has now been introduced, which when made fully operative in all provinces, should produce sound financial data on credit unions in Canada. Methodology Uniforinisation des statistiques A la suite de recherches intensives menées par un comité national, moos la présidence de M. A. A. (Tony) Heidt, au cours de plusieurs reunions nationales et regionales, on a officie" ment accepté et approuvé en juin 1967, 3 la 14e conference in terprovincial de Ia National Association of Administrators of co-operative Legislation, un questionnaire uniforme B lusage de toutes les provinces. La plupart des provinces recueillent maintenant des donnles aupr3s des caisses locales d'épargne et de credit, basées sur ce système uniforme des comptes, modifi melon lea procedures provinciales. En consequence, lea caissi d'épargne et de credit ont construit une solide lnfra-structui de données statistiques qui pernet une comparaison avec les autres organismes financiers et avec lea autres provinces. Lors de sa 21e conference annuelle nationale qui s'est tenue en mai 1974, 1NAACL a approuvC lea modifications proposees au questionnaire pour 1967. Le nouveau questionnaire revise devrait donc produire, une fois mis en application dans les provinces, des données financières fiables sur lea caisses d'épargne et de credit au Canada. Mlthode In most provinces, the provincial department responsible for the administration of credit unions collects quarterly and annual data from credit unions chartered to do business 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 Statistics Canada. Dans la plupart des provinces, le ministlre provincial chargé de l'administration des caisses d'ipargne et de credit recueille des données trimestrielles Ct annuelles auprBs des caisses autorisées par charte B exercer dana la province. Il lea met en tableaux et fait one declaration pour l'ensemble de la province a Statistique Canada. In Ontario, the Ontario Statistical Centre collects and compiles the data and then submits a quarterly report to Statistics Canada. In Quebec, the centrals collect and compile data from their respective local credit union members. Each of the centrals then submits data to the Quebec Bureau of Statistics on a Quebec Bureau of Statistics designed questionnaire. The Quebec Bureau in turn submits the data to Statistics Canada after compilation and conversion to the national format. In Manitoba, the survey is conducted jointly by the Manitoba Bureau of Statistics and the Department of Co-operative Development. The Manitoba Bureau tabulates the data and then submits a quarterly return to Statistics Canada. En Ontario, le Ontario Statistical Centre, recueille et compile lea données et, par suite, soumet une declaration tnmestrielle B Statistique Canada. Au QuCbec, chaque centrale recueille Ct compile les donoCes des caisses d'Cpargne et de credit affiliées B leur fédération. Chaque centrale soumet lea données recueillies au Bureau de la Statistique du Québec basées sur lit questionnaire rédigé par le Bureau de la Statistique du Québec. CeS donnécs sont compilées par fédCration et converties an format national par le Bureau de la Statistique dci Québec qul les soumet ensuite B Statistique Canada. Au Manitoba, lenqulte eat menée conjointement par le Bureau de Ia Statistique du Manitoba et le Department of Co-operative Development. Le Bureau de la Statistique dci Manitoba compile lea donnees at, par suite, soumet une declaration trimestriilii B Statistique Canada. Statistics Canada in turn analyses the provincial Statistique Canada analyse erisuite les declarations returns and compares with other provincial returns and provinces et les compare avec lea donnCes des autres proviprevious annual data. After researching Inconsisten- et avec les statistiques annuelles antCrieures. AprIs anc. des, Statistics Canada proceeds to publish the annual des incompatibilités, Statistique Canada entreprend la publireport for credit unions by provinces and by Canada cation de son bulletin annuel sur les caisses d'épargne Ct di S C C ttais. The quarterly series are compiled and published crCdit par province et pour le Canada entier. Les sines tn- - -- --strielles sont compilees et apparaissent tnimestriellement us le bulletin intitulé Institutions financlères, statistigue nancire (no 61-006 au catalogue de Statistique Canada). tea te on easiness La ,Indltorv in sac 1 province. In some provinces, quarterly data is not mandatory and thus some provinces may compile date for the credit unions from which they were able to obtain returns and then estimate for the missing credit unions. Some discrepancies may result from these nonreporting credit unions between the annual figures submitted in this report and data published in the quarterly Financial Institutions, FinancIal Statistics (61-006). Dans chaque province, toutes las caisses actives syant one charte soot soumises I Is declaration annuelle. Dana certaines provinces, les données trimestrielles ne soot pas mandataires; donc, ces provinces calculent les donnCcs des caisses dont elles ont pu obtenir is declaration et font une estimation pour lea caisses non déclarantes. A cause de ces caisses non déclarantes il se peut qu'un certain manque de concordance existe entre las chiffrcs annuel; figurant dans le present bulletin at les chiffres publiés trimestriellement dana le bulletin Institutions financlIres, statistique financière (O 61-006 au catalogue de Statistique Canada). Since some provinces employ distribution ratios from the last available annual data to estimate the quarterly breakdown of some category items, subsequent annual figures may differ somewhat on specific items from the quarterly figures but the subgroup totals for each category should generally agree. Puisque certainea provinces out tendance I employer des quotients de repartition tires des dernilres statistiques annuelles de manire I faire une estimation trimestricile pour certaines categories ii s'ensuit qua lea donuées annuelles qu'en découlent peuvent différer sur certains points des chiffres trimestrieis, mais le total des sous-groupes dolt générelement concorder. 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 quarterly data. Lea differences de date de fin d'exci-cice financier constituent on autre facteur de divergence entre les donnCea annuelles et les données trimestrielles ainsi qua les procedures traitant des transactions de fin d'exercice financier tel que lea paiements de dividendes, las allocations aux reserves, etc. Par consequent toute comparaison des chiffres avec les données trimestrielles dolt tenir compte de ces facteurs. Central credit unions are surveyed directly by Statistics Canada. Each central is fully accounted for in the data published in this report. Common-size Statistics 1 the common-size tables, the balance sheet uses acts as the yardstick for measuring categories ci a common basis and the operating statement uses otal revenue for this purpose. Statistique Canada s'occupe directement des enquétes mupris des caisses centrales. Les données publiCes ici tiennent pleinement compte de chaque centrale. Statistique soua firme de pourcentage Dana lea tableaux de pourcentage, le bilan sert I mesurer les diverses categories sun une base commune, alors qua dans l'état des revenus et des dépenses, c'est le total des revenus qui est employe 1 Cette fin. - 12 - Graphiqiiu Chart - 1 - 1 Total Assets 01 Selected Financial Institutions, 1974 Actit total de certaines institutions financières, 1974 1818 Rillurns of dollars - Milliards de dollars ft 2 4 6 8 10 12 14 16 18 20 22 24 26 28 0 564% 16.8% I I 0 0 Chartered banks Banques Life insurance companies Sociètés dassurance-vie 6.5% 0 SocieteS do liducie Local credit unions 6 1 Caisses locales depargne at do credit 0 0 Trust companies 4 4 Sales finance and consumer loan companies Sociétes do tinancement des ventes at de prèls aux consommateurs Mortgage companies Societés de préts hypolhécaures o 1 8% I I I I I I Mutual fuOds Fonds miituels I I I I Siiuri.e Financial lnSlitiitii)tiS. Quarterly Cal aloque No 61-006 lrislitiitioris liriarlc,OrOS lr,rrieSlr,el ri'- 61-006 iii catalogue Graphique 2 Chart - 2 Personal Savings in Selected Institutions, 1974 Epargne personnelle dans certaines institutions, 1974 B,llionS of dollars Milliards do dollars 0 5 I I 10 I 15 1 28 20 I 30 :1! 18.2% O 01c,7 o Chartered banks Banques a charte Canada savings bonds 0 Obligations depargne du Canada Trusf companies Societes de fiducie o 6 O o 1 O ti - 3 O O 11 0 -II 1. Ci I I Sources. Financial lnstitulions. Quarterly, Catalogue No.61-006.—Institutions f,rranc,éres, fr,mestr,ei. nO. 61-006au catalogue. Bank of Canada Review. - Revue do Ia Ban que du Canada. Local credit unions Caisses locales depargne 01 de credit Mortgage companies Societes de préts hypothécaires Mutual tunds Fonds mutuels Quebec savings banks Banques dépargne du Q0i 10 ir Si 10 S - 13 - Graphique - 3 Chart - 3 Personal Loans Outstanding by Selected Institutions, 1974 Créances personnelles actives dans certaines institutions, 1974 • i llioriS II 01110, - Milliarcis de dollarS 2 o i 3 4 5 6 7 8 o O o O o 9.3% 0 5 5% O 38°o O 0 o 10 9 11 Chartered DankS Banques a charm Local credit unions Caisses locates d'épargne et de credit Saios tinanee companies Soc rétés de tinancemeni des ventes Consumer loan companies Prets aux cOnsOmmateurs IoTa iiisuraiice companies Soc ietés dassurance-vie Opier (1) es(1) I I I I I I I I (1) Includes Quebec savings banks, other credit card issuers, public utility companies, and trust and mortgage companies - Comprend los bangues d'epargne du Québec, autres émetteurs do caries de credit. services d'utilité publique. 01 societes tIe tiducie at do prets Imypotnecaires Firsrrc'ia/ /rrsTifi,IiOrTs. Quarterly. CaTaloqi,e No 6 -006 InSrirur,orrS linarrcirrres 0i,mesf,t elo0 67-006 N.. i'i '?i,' Gate N Hid cit.iloqiie Chart - 4 Graphique - 4 Mortgages Outstanding by Selected Financial Institutions, 1974 Hypothéques impayées dans certaines institutions tinancières, 1974 ii. nc of (TN arc Mi! liards de dollars 2 1 0 3 4 5 6 7 8 I I I I 1 1 1 I 0 9 194°, 10 1 a I o 130'v o 0 12.3% Life insurance companies Si)cietes dassurance-vie Trust companies Sociotes de tiducie (,ritral Mortgage and Housing Corporation Societe centrale dhypotheques et tIe logement O o Banques a charte Mortgage companies 0 0 Chartered banks Societes de préts hypothécaires Estate Trust and Agency Funds Funds de fiduCie el fonds administrés 8.2% O Credit un ions Caisses depa rgne et de o Regimes do pensions en liducie 0 Other (1) iesh') Trusteed pension plans I I I 11) Includes sales finance and consumer loan companies, mortgage investment trust corporations, Quebec savings banks and mutual funds. - Comprend les sociétés do financement des ventes 01 do prdts aux consommateurs, les soclétés de tiducie do placements hypothécaires. les banques d'epargne du Québec el les tonds mutuel. Sources.' Financial Institutions. Quarterly, Cafalogue No.61-006. - lnsfirutions linancières. trimestriel. no 61-006 vu catalogue. - 14 - Chart - 5 Graphique - 5 Growth of Membership in Local Credit Unions, 1950-1974 Croissance du nombre de soclétaires dans les caisses locales d'epargne et de credit, 1950-1974 Millions 24 Mi I ions 24 22 22 20 20 18 18 16 16 14 14 12 12 10 10 9 9 8 8 7 7 6 6 5 4 4 3 3 2 2 S 1951 1953 1955 1957 1959 1961 1963 1965 1967 1969 1971 1973 0 - 15 Chart - 6 S Graphique - 6 Total Assets of Local Credit Unions by Province, 1950-1974 Actif total de caisses locales d'epargne et de credit par province, 1950-1974 liIll(,MS 1 20,000 20,000 Semi-logarithmic scale Echelle semi-logarithmique 10,000 10,000 8,000 8,000 6,000 6,000 4,000 4,000 3,000 3,000 2000 2,000 Canada Quebec Quebec 1,000 1,000 1/ 800 800 - -/, BrilishColumbia J 600 Colombie-Britannique 600 " Ontario - 400 400 -- 7' - - — --- 300 300 200 200 Saskatchewar> Manitoba / Alberta , 100 100 .-..y 80 - 80 60 60 7 40 40 30 30 New Brunswick Nouveau-Brunswick 20 20 / • -,.. ' Nova_Scotia Nouvelte-Ecosse 10 8 /' 10 •." - 8 6 4 . I Ill! 1950 I1_1___I______1__I I_I 1111111 II 1955 1960 1965 1970 1974 3 - 16 - Chart - 7 Craphique - Selected Financial Institutions - Growth Trend of Total Assets, 1950-1974 Certaines institutions financières - Le mouvement de croissance d'actif total, 1950-1974 Millions of di,, CoH,ir- 200000 Semi-logarithmic scale Echelle semi-logarithmique 100,000 - _ --- 100,000 Chaered banks 20,000 4,000 - ____.- - 40,000 ----- 20,000 - Mortgage companies Societés de préts liypothecares 2,000 1U - 1,000 --- ----. 800 - ------ - 600 -- ------------- - - 4,000 Trust companies Sociétés dcie 400 - - - ______________--- .------ ,---- ---------- - 2,000 Local credit unions Caisses locales cl'epargne et de credit 200 -a 1,000 ---- -'-- ----- - __________________ - -----------________-- - 600 1,000 - - 80C - 600 - - 400 - - -- - ----- - - ---------------_________________ - _____------ 800 400 - Mutual lunds at cost Foods mutuels au prix d'achat 200 ----- ------ -- - 100 - - - 200 --- ---- -- - - ____________ - ------ ________________________------- 80 60 100 80 -- 40 1950 60 I II I I I I I I I 1955 1960 1965 () Beginning 1972. wholly-owned acceptance subsidiaries of merchandisers and manutacturers are inclun (1) A Sources: -- 'I 1970 1974 parlir de 1972, les SoCiétés de financement filialesé cent pour cent de grandes entreprises de dis: d'entreprses manutacturières sont inclus. Financial Inst ituhons, Quarterly, Starislics Bank of Canada Statistical Summary. Canada catalogue no. 61-006. - Institutions financiéres, Irimestriel, nO. 61-006 au catalogue de Stahstique Canada. - 17 - Graphique - 8 Chart - 8 Composition of Assets by Province, 1974 Composition de I'actif par province, 1974 Newfoundland Prince Edward Island Nova Scotia Terre-Neuve ile-du-Prince- douard Nouvelte-Ecosse 86 T.A. $5,518,000 A.T. New Brunswick NouveauBrunswuck I A $14062000 A.T. Canada T.A. $102,654,000 A.T. Quebec Quebec V. . 3 T,A $46.4 151) A.T Ontario Manitoba T.A. $10026,257,000 A.T. Cash En causse Investments Placements i1 F7 Cash loans IC1s Sur reconnaissance de dettu '.Irtgages I ,'potheques 1 T.A. $i .815,379,000 A.T. Saskatchewan her T.A. $491,848,000 A.T. Autre British Columbia Alberla Colombue-Britannuque 5, 67 T.A. $1,034,548,000 A.T. T.A. $393,052,000 A.T. T.A. $1,210,802,000 A.T. - 18 - Graphique -- 9 Chart - 9 I Composition of Liabilities and Equity by Province, 1974 Composition du passif et de l'avoir par province, 1974 Newtoundland Prince Edward Island Nova Scotia Terre-Neuve lIe-du-Prunce-Edouard Nouvelle-Ecosse 64 S New Brunswick 37 Quebec Canada Nouyeau-Brunswick Quebec 63 C 4 . Manitoba Ontario DepOts Thare captal i (Dipital Soal I leserv('s 89 Reserves Surplus Benetces no c''ls- OIs Other I 1 Autres British Columbia Saskalchewan Alberta Colombie-Britannique Ii lI . - 19 - Chart - 10 Graphique— 10 Composition of Revenue by Province, 1974 Composition du Revenu par province, 1974 Newtoiindland Prince Edward Island IF. P Nv,, 5,001 N..... ,, 6-riovard 4 96 .3 1 ,,tal $ 023.1)1))) New Brunswick Nouveau- Brunswick H- Total S 1.464.000 Total S 10,602.000 Canada Quebec Quebec 0 a 3 - '0.793000 Tl,iJ 3 Manitoba Ontario Toll 3 U Interest on di-nianUl deposos 6- J Iritérét Sur depots 8 von IntereSt on term depOsts lnterét sur depots 3 a terme Interest On personal loans Interét Sur préts person nels Interest on mortgages Interét sur Ftypothèques Other revenue TON,) S 150 457.000 Saskatchewan --:1 lola) S 34.681,000 Autres revenus BritIsh Columbia Alberta Cotombie-Britannique 71 4. 111 ToNi S 84.576.000 ToN,, 3 Total S 114.693.000 - 20 - Graphiqur Chart - 11 Composition of Expenditures_by Province, 1974 Composition des dépenses par province, 1974 Newfoundland Prince Edward Island Terry ue lle-du-Prunce-Edouard I Nyl S Iii 22 48 3 6. New Brunswick - Quebec Canada Nouveau Brun,wick Quebec 1 17oo Io I3 14% Os insurance Assurance I I Salaries Salaires Surp lus Benetices I Dreidends and rebates I Dividendes et ristorirnes Interest on deposits Iriterét sur dépôls F Other expenses AutreS dépenses British Columbia Alberta Saskatchewan Colombi, Brutannique I 3o IN 5 S 12 11 ia S STATISTICAL TABLES . TABLEAUX STATISTIQUES 0 - 22 - TABLE 1. Statistical Summary, 1974 Newfoundland - TerreNeuve I Prince Edward Island New Brunswick Nova Scotia Québec Ontario - - - Ile-du-PrinceEdouard NouvelleEcosse NouveauBrunswick No. 1 2 Number of members ............................... Average membership in credit union .............. 3 Percentage change in membership from previous year. 6,725 149 17,105 1,222 128,438 1,011 142,762 3,711,616 1 1,341,029 978 2,270 988 5.4 6.'. 6.6 9.4 7.1 9.0 778 25.3 593 9.8 754 5.9 704 1,274 1,306 16.0 9.0 8.2 8 21 3.7 822 6.3 799 6.8 737 1,307 1,354 14.8 9.3 4.6 105,169 4,852,245 1,815,379 25.6 17.1 I 14.1 Per member: 4 S Equity and deposits ........................... Percentage change from previous year 6 7 Total assets .................................. Percentage change from previous year 8 9 Total assets ($'OOO) ............................ Percentage change from previous year 5,518 19.8 14,062 13.4 102,654 13.8 10 11 Loans outstanding ($'OOO,OOO) ................... Percentage change from previous ,'ear 5,053 20.0 12,355 11.4 85,635 11.6 . 84,9' 2. "''U 2e. - . As a percentage of total assets: 33.9 30.6 38.2 39.3 5.6 4.3 7.9 7.9 83.4 85.0 72.7 76.7 10.7 8.3 36.6 34.4 57.7 60.9 6.2 22.1 5.2 7.2 16.9 4.6 11.3 13.8 11.8 12.6 23.3 11.9 80.8 60.8 80.8 78.1 56.0 81.5 54.5 22.1 52.6 51.5 20.7 53.9 26.3 38.7 28.2 26.6 35.3 27.6 27.0 84.0 50.4 21.2 84.0 44.1 68.5 13.4 46.1 73.4 13.4 49.1 Total revenue ($'OOO) ........................... 623 1,464 10,602 9,538 390,793 150,457 30.3 22.7 5.6 36.5 25.8 21.1 59.4 Interest paid, dividends and interest rebates Previous year ...............................65.3 Total operating expense including dividends 97.4 and interest rebates. Previous year ............................... 101.0 37.7 58.2 99.0 49.9 48.6 92.3 48.8 57.0 66.8 50.3 55.5 71.7 88.0 96.6 99.4 90.3 87.9 87.7 95.2 5.6 5.9 4.9 5.0 12 13 14 15 16 17 18 19 20 21 22 23 24 25 1.0 Cash (and demand deposits) .................... 4.0 Previous year ............................... 7.0 Investments ................................... 3.2 Previous year ............................... 91.6 Total loans ................................... 91.5 Previous year ............................... 86.5 Cash loans .................................... 86.7 Previous year ............................... 5.1 Mortage loans ................................ 4.7 Previous year ............................... 28.7 Deposits ...................................... Previous year ............................... 14.9 Members equity ................................ 66.1 Previous year ............................... 71.2 7.8 4.7 3.8 3.9 87.9 89.5 87.9 89.5 26 27 Percentage change from previous year - As a percentage of total revenue: 28 29 30 31 32 Rate of return on members' equity(1) 7.1 (1) Rate of return is defined as: interest on deposits, dividends, interest reeatea and amounts transferred to reserves d by the suni of deposits, share capital, reserves and surplus. . - 23 - TABLEAU 1. Résumé statistique, 1974 1ui iskatchewan British Columbia Alberta - Northwest Terntories Canada - Colombieritannique Terntoires du Nord-Ouest No 272,387 396,674 1,611 1,573 246,008 1,108 542,288 2,711 793 264 6,805,625 1,623 8.3 5.1 6.1 2.1 .. 6.6 1,645 2,427 10.0 16.0 1,497 15.4 2,043 21.7 1,129 .. 1,408 10.9 1,806 2,609 12.9 19.5 1,598 15.4 2,233 24.5 1,236 .. 1,473 18.4 491,848 1,034,548 22.3 25.6 393,052 22.3 1,210,892 22.0 980 648.1 10,026,257 18.4 6 609,629 32.1 307,965 22.2 1,025,423 22.6 768 504.7 6,936,410 23.2 - Nonibre de sociétaires ............................. 1 Nombre inoyen de soclétaires des caisses d'épar2 gne et do credit. Variation du nombre do soclétaires par rapport a 3 l'année précCdente en pourcentage. Par soclétaire: fl Avoir et d6p6ts ................................4 Variation par rapport 4 l'annCe précédente 5 en pourcentagc. Actif total ....................................6 Variation par rapport 4 l'année précédente 7 en pourcentage. . Actif total (4'000) ..............................8 Variation par rapport a l'année precedents en 9 pourcentage. Préts non remboursés ($'OOO,OOO) .................0 Variation par rapport a l'année précCdente en 11 pourcentage. En pourcentages do total dc l'actif: 2.6 7.1 4.0 13.0 34.5 15.4 36.1 78.6 58.9 76.0 56.0 40.0 23.5 38.2 22.5 38.6 35.4 37.8 33.6 89.3 61.7 91.3 57.5 1.8 31.3 2.2 38.3 3.5 3.5 13.1 13.3 78.4 78.4 51.6 54.9 26.8 23.5 63.4 57.1 30.3 36.5 3.8 3.0 8.4 9.2 84.7 84.3 17.4 18. 67.3 66.0 72.7 69.9 18.8 23.8 20.9 0.8 0.2 1.5 78.4 96.9 78.4 96.9 44,681 84,678 37,598 41.2 49.5 35.0 84.8 34.3 6.5 41.2 12.9 10.5 14.7 19.7 69.2 66.5 30.2 30.0 39.0 36.5 72.5 70.3 23.0 25.4 Encaisso (et dépCts 4 vue) ...................... 12 Année précédente .............................. 13 P'acements ...................................... 14 Annéc prCcédente .............................. 15 Total des préts ................................ 16 Année précédente ............................. 17 Préts en espce ................................ 18 Année prCcédente ............................. 19 PrCts hypothécaires ............................ 20 Année précédente ............................. 21 Dépts ......................................... 22 Année précédente ............................. 23 Avoir des sociétaires .......................... 24 Année précédente ............................. 25 114,693 50 845.177 Total des revenus ($'OOO) ........................ 26 42.0 525.0 30.2 - Variation par rapport 4 l'annCe précédente en pourcentage. 27 En pourcentages du total des revenus: 58.5 63.7 62.1 83.5 99.5 93.4 47.6 34.2 93.3 61.0 60.2 96.0 54.0 25.0 94.0 59.4 61.7 96.6 100.0 114.9 90.5 90.8 62.5 97.0 6.1 5.3 6.8 2.1 5.5 Intéréts verses, dividondes et ristournes ...... 28 AnnCe précCdonte ............................. 29 Total des dépenses d'exploitation y compris 30 les dividendes et les ristournes. Année précédente ............................. 31 Taux de rendenient de l'avoir des sociétaires(l) . Laux de rendement de l'avoir des sociétaires est la résultat de l'opération suivante: intérét, sur dépéts, dividendes, ristournes et virements aux reserves divisés par la somme des dépéts, du capital soial, des reserves et du surplus. 32 - 24 - TABLE 2. Crowth Record of Local Credit Unions, 1920-1974(1) Average mewAverage mem- bership for hership for credit unions Percent credit unions chartered chang. Members chartered plus branches membersti Total credit unions Number of chartered Year(2) Chartered branches plus branches Ann6e(2) Caisses B Nombre de Total charte branches caisses B charte ci nombres de branches SociPtaires Nombre moyen Nombre moyen Variation pour raisse pour caisse B proport bond N charte charbe plus do sombre len branches soctétairea number - per rest ombre pourcen tage 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 29 30 31 1920 ..................................... 1925 ..................................... 1930 ..................................... 1935 ..................................... 1940 .................................... . 1945 ..................................... 1950 ..................................... 1951 ..................................... 1952 ..................................... 1953 ..................................... 1954 ..................................... 1955 .................................... . 1956 ..................................... 1957 ........... ......................... . 1958 ..................................... 1959 ..................................... 1960 ..................................... 1961 ..................................... 1962 ..................................... 1963 ..................................... 1964 ..................................... 1965 ..................................... 1966 ..................................... 1967 ..................................... 1968 ..................................... 1969 ..................................... 1970 ..................................... 1971 ..................................... 1972 ..................................... 1973 ..................................... 1974 ..................................... 113 ..122 ..179 ..277 1 167 2,219 2,965 3,121 3,333 3,606 3,920 4 ,100 4,258 4,349 4,485 4,570 4,608 4,682 4,767 4,809 4,870 4,939 4,934 4,911 4,861 4,769 4,595 4,444 4,350 4,256 4,193 46fl 31,752 281 33,279 273 45, 767 256 52,045 188 201,137 172 590,794 266 1,036,175 349 1,137,931 365 1,260.435 378 1,434. 270 398 1,560,714 398 1,731.328 422 1,870,277 439 2.059,835 474 2,187,494 488 2,360,04? 516 2,553,951 554 2,740,251 585 2,879,179 604 3,123,735 650 3,418,033 702 3,677,291 745 3,859.677 782 4,308,439 877 4,632,382 953 4,968,802 1,042 5,203,402 1,132 5,454,292 1,227 5.84 3.820 1,343 6,382,054 1.500 6, 6' 1(21 ... (1) Statistics prior to 1966 taken from Depart ...... (2) 1920-1925 - Quebec only, 1930 - Quebec and Ontario only. 1935 - Quebec, Ontario and Nova Scotia or 1940 - Excludes Newloondland and Northuert . 1967 - includes all provthces and territor (3) Estimated figures. 4. 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 ....... . TABLE 3. Local Credit Unions, Chartered Bank Branches and Trust Company Branches, by Province, 1974 Prince Edward Island Newfoundland - Institution , - Terre-Neuve New Brunswick Nova Scotia Ile-du-PrinceEdouard - - NouvelleEcnsse NouveauBrunswick Ontario Québec No. 1. 2 3 4 5 Local credit unions: Chartered ..............................45 Branches .............................. - 127 6 146 - - 1,635 141 1,357 51(1) 45 14 133 146 1,776 1,408 27 ....................... 6 32 6 222 26 162 20 1,321 91 2,670 317 Total ............................... Chartered banks(2) Trust companieo(3) 14 ....................... (2) Bank . Directory0f Canada, Houstons Standard Publications Ltd. • Toronto, January 1975. (3) I'irectory of Canadian Trust Companies, The Trust Companies Association of Canada, March 1975. TABLE 4. Membership Compared With Labour Force and PopulatIon, 1974 Newfoundland Terre-Neuve Prince Edward Island - lie-do-PrinceEdouard Nova Scotia - New Brunswick - Nouvelle- Ecosse Québec Ontario NouveauBrunswick No. 1 Local credit union members 6.725 17,105 128,438 142.762 3,711,616 1,331. 2 3 Labour force - December 1974 Members as a percentage of labour force 185,000 3.6 42,000 40.7 296,000 43,4 250,000 57.1 2,635.000 140.9 3.69 4 5 Population ...............................542,500 Members as percentage of population 1.24 116,700 14.66 813,200 15.79 661,800 21.57 6,134,300 60,51 8,09. C - 25 - TABLEAU 2. Croissance den Caisses locales d'épargne or de credit, 1920-1974(1) '1cmbership as .ercentage of labour force Membership as a percentage of population Proportion den sociCtaires par rapport 8 is population active Proportion des sociCtairen par rapport S Is popolat ion Assets Actif per cent - pourrentage Average onsets per member Increase in total assets Actil ooyen par sociCtairo Augmentation proportionnello do i'actif total dollars Average assets per credit union Actif soyen par caisse per cent dollars pourcentage 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 2,213,000,000 2.542.000,000 2,926,000,000 3,367,000,000 3,699,000,000 4,064,000,000 4.591,000,000 S.589,991,000 6,761,224,000 8,465,786,000 10,026,755,000 • 1.8 4.9 7.5 8.1 8.7 9.7 10.3 1111 11.6 12.6 12.7 13.3 14.2 14.9 15.3 16.6 17.6 18.6 19.3 21.0 22.3 23.5 24.5 25.1 2618 28.7 30.3 •. • 70.1 . 189 240 240 192 124 247 301 315 336 341 356 377 407 411 461 491 509 551 581 615 647 691 758 781 799 818 882 1,025 1,157 1.326 1,473 Augmentation proportionelie de l'actif par caisse par cent pourcentage .. .. .. .. . . .. .. 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 9.9 13.0 21.8 21.0 25.2 18.4 - ., sLatistuqon anLerunure a 000 eat ciree oe Los coisses populairea au Canada, 196), pub 1920-1925 - Le Qodbeu seulesent. 1930- Lo Québec et ('Ontario neoiement, 935 - Le Qudbec, 1'Ontario et Is Nouvelle-Ecosse seulement. 940 - Non co.prls Terre-Neovn cC lea Territoires do Nord-Onest. 1967 - Ensemble des provinces et lea territoires. (3) Nnmbres estimem. Increase in average assets per credit union 53,097 65,574 61,453 36,101 21,422 65.795 105.228 115,027 127.213 135,607 140.816 159,268 178,722 194,527 224,972 253.392 281.901 322,298 351,164 399,251 654,415 514.679 593,028 685,604 760,955 852,110 999,129 1.237.814 1,554,304 1,989,141 2.390.619 .. .. .. .. . . .. .. 9.3 10.6 6.6 3.8 13.1 12.2 8.8 15.7 12.6 11.3 14.3 9.0 13.7 13.8 13.3 15.2 15.6 11.0 12.0 17.3 25.9 23.& 28 0 20.. 2 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 29 50 31 du minist#re de U'Agriculture. TABLEAU 3. Caisses locales d'Opsrune et do credit, succursales des banques S cbrte nt deS sociCtCm do fiducie, par province. 1974 British Columbia Manitoba Saskatchewsn 193 49(1) Alberta Northwest Territories - - ColombieBritannique Territoires u Nord-Ouest Yukon Canada 252 75 222 54 242 327 276 286 3 336 26 356 25 617 53 803 68 19 - - 200 86 3 Coisses locales d'Cpargne 01 de crCdit Caisson A charte ............................. 1 Br5flches .....................................2 - 4,194 462 - 4,656 Total ......................................3 12 6,878 698 Banques S charte(2) ............................4 SociCtCs de fiducle(Z) .........................S - - institution tuj N000res esrimes. (2) as,,k DIrectory of Canada, floustons Standard Publications Ltd., Toronto. jawier 1975. (3) Directory of Canadian Trust Ccpanien, The Trust Companies Association of Canada, oars 1975. TABLEAU 4. Noubre de sociétaires compare B la population active cc Is population, 1974 British Columbia Manitoba Saskatchewan 97 . Alberta Northwest Territories - - ColombieBritasnique Territoires do Nord-Osest Canada 396,474 246,008 542,288 793 6,805,625 360,000 110.1 752,000 32.7 1,064,000 51.0 16,000 5.0 9,115.000 70.1 907,000 43.71 1,713.900 14.35 395,230 22.64 37,500 2.11 22,427,000 30.35 Soclétairea des cainsea locales d'Bpargne at 1 docredit. Population active - Décembrn 1974 ..............2 Nombre de sociCtaires en poorcentage de is 3 population active. Population .....................................6 Nobre do nociCtnlres en pourceotage ds is 5 population. - 26 - TABLE 5. Nenberahip in Local Credit Unions, 1974 Prince Edward Inland Newfoundland - . NovS Scotia - Ile-du-Princedeusrd Terre-Neuve I New Brunswick Qu8bec - - Nouveiletco.se NouveauBrunswick No. number I Number of members beginning of ye.cr 2 Increase in members during the year . 3 Number of members at end of year ........ 6 Average membership in credit unions ..... 5 Percentage change in membership over previous year. - nombre 6.378 347 6,725 149 16,044 1,061 17,105 1,222 120,523 7,915 128,438 1,011 130.514 12,248 142,762 978 3,464,139 247,477 3,711.616 2.270 1,230,418 110,611 1,341,029 988 5,4 6.6 6.6 9.4 7.1 9.0 Ti) Excludes Northwest Territories. TABLE 6, Number of Chartered Local Credit itnioes, by Province, 1974 New Prince Edward Newfoundland Island Nova Scotia Brunswick - - - - QuSbec Ontario Terre-Neuve Ile-du-Prince- Nouvelle- NouveauEdouard cosse Brunswick No. number - nombre Number of credit unions . 16 1 Reporting ............................... 2 Not reporting .......................... ..B . 21 3 Inactive ................................ 6 Total chartered ....................... . 45 S2 5 Credit unions chartgred beginning of year. 6 Add: Charters issued daring fiscal year 7 iJeduct: Charters cancelled during Uscal year. - 8 Credit unions chartered end of year 45 - 144 2 - - 1,602 10 23 14 127 146 1,635 1, 14 132 146 1,648 1,389 3 8 1 1 10 23 12 44 14 127 146 1,635 1,317 - - - 127 - 7 9 Change from previous year - 14 - 7 - 5 - - 13 - - 32 TABLE 7. Local Credit Unions Classified by Asset Site, 1974 New Prince Edward Newfoundland Inland Nov. Scotia Brunswick - - - - Qukbec Ontario Terre-Neuve Ile-du-Prince- Nnuvelle- NouveauEdouard cosne Brunswick No. number - nombre Amount of total assets: 1 Under $100,000 ........................ 2 $ 100.000-8 249,999 ............... 3 250,000- 499,999 ............... 4 500,000- 999,999 ............... 5 1,000,000- 2,499,999 ............... 6 2,500,000- 4.999,999 ............... 7 5,000,000- 9.999.999 ............... 8 10,000,000- 24,999,999 ............... 9 25.000.000 and over .................. 10 Total ............................... 38 3 45 34 .. 394 2 - 28 23 .. 308 2 3 20 29 .. :11 2 2 16 21 - 6 11 29 . : 45 14 127 146 1,635 1, - 27 - TABLEAU S. Non,bre de sociétaires des caisses locales d'6pargne et de crNdit, 1974 British Northwest Columbia Territories Sa3kat- Alberta - - Canada c hewan Coloebie-Territoirea do Britannique Nord-Oueat number - nombre 20,924 272,387 1,411 19,397 396,474 1,573 131,500 14,148 246.008 1,108 8.3 5.1 6.1 7,1,01! - 553,638 11,350 542,288 2,711 .. .. 793 264 2.1 .. - 6,382,054(1) 422,778(1) 6,805,625 1,623 6,6 Nolubre de sociêtairea au debut do l'annCe 1 Augmentation do nombre do soct6tairos ..........2 Nombro do socidtairss B is tin do snnNe l' 3 Noabre soyen de soclétsiras des csisses 4 d'ipsrgne et de credit. Variation do nombro do sociCtaires par rapport B l'annCe pr8c6dente en pourcentage. rritoires do Nord-Ouesc soot earls.. S - TABLEAU 6. Nombre do caisses locales d'6pargne at de credit B charte, par province, 1974 SashatManitoba chewact British Northwest Columbia Territories Alberta - - Canada Colombie- Territoires Britanniqoe do Nord-Oueat NO Noabre des cais.es d'4p&rgne at de cr6dit 251 213 190 - - - . 3,750 318 126 Dlclarantea ................................... Non dAclarantes ................................ Inactives ...................................... 2 3 3 4,194 Total des caisses B charte ................... 4 199 2 4,25r Caisses B charte so d8but do l'annCe .......... 1 30 93 4,196 0 1 252 222 200 194 254 227 - - - 3 - 1 - 1 2 5 3 7 193 252 222 200 3 5 1 1 - - 1 - 2 - TABLEAU - - 63 Ajouter: Chartes Cmiues en 1972 ............... 6 Dédoire: Chartea annulCes en 1972 .............7 Caiaaes B charts B is fin de annre l' Changemenc par rapport B 1971 .................. 8 9 7. Classement des caisses locales d'Bpargne at de credit soivant l'acti!, 1974 British Northwest Columbia Territories Saskat- Alberta - Manitoba chewan Coloinbie- Territoirna Britannique do Nord-Ooest Canada No number - nosbre Montant do l'actif total: . 26 10 25 10 1° 15 30 • 85 60 • 24 11 7 252 59 42 28 19 35 17 15 6 1 222 31 24 18 23 25 24 21 24 10 200 1 - .. .. - .. .. .. - . . - . . 1 1 - 3 ., .. 4,194 Moms do $100,000 ............................1 $ 100,003-9 249,999 ......................2 250,000- 499,999 ......................3 500,000- 999,999 ......................4 1,000,000- 2,499,999 ..................... 2,500,000- 4,999,999 ......................6 1,000,000- 9,999,999 ......................7 10,000,000- 24,999,999 ......................8 25,000,000 Ct plus ..........................9 Total ..................................... 10 - 28 - TABLE 8. Balance Sheets - Locals, 1974 Newfoundland - Prince Edward Island - Terre-Neuve lie-do-PrinceEdouard No. thousan Nova Scotia New Brunswick - - S Québec NouveauBrunswick ________ __ __ olla_______ rs of dollars - milliersde - NouvelleEcosse Assets Cash and demand deposits: On hand .................................................. 4 a 211 1.717 4,442 121,732 11,529 884 3.090 564 2,107 928,945 38,762 13,838 25,448 Demand deposits: b Centrals, leagues, federations ......................... 7 Chartered banks ........................................ 42 Trout and mortgage companies ........................... 2 Other financial institutions ........................... items in transit ............ . ......................... ...- I it iii iv - 392 - - - - - - 8,371 18.435 - - Investments: 2 Term deposits; a Centrals, leagues, federations. etc .................... 26 Chartered banks ........................................ 255 Trust and mortgage companien ............................ 22 Other financial istitutionn ............................ Commercial paper and sales finance companies' notes I it lit iv b 4,197 - - 1,446 - 7,562 - 65,156 58,321 - - Bonds and debentures: 261 450 1.498 14,780 5.321 149,221 34,906 369,737 44,77 Government of Canada .................................... 8 Ptovincisl .............................................. 5 Municipal, including school district debentures - 316 iv Corporation ............................................. 60 Other institutions ...................................... - - - - 820 272 34,P 7 - 11.2 v 9 5 104 I it iii - - Shares held: d Centrals, leagues, federations ...........................12 Other Institutions . ................................. ..... Other investments .......................................... - I it e 3 520 - 1.195 - 37 1.845 72,777 358 54,320 486 547 9,24 Loans: a Non-mortgage: 4,769 Personal .... ........................................ . 4. Farm .............................. . ................. ..5 Commercial, industrial and co-operative enterprises i it 011 Estate/endowment ..................................... Other ................................................ mo loans .......................... . Total non-rtgage iv v 12.355 - - 1.911 57,264 - 1,333 5,432 5,957 1,073,806 954,155 770 17.617 11,576 ..,774 12,355 ...50 246 National Housing Act ............................... Conventional ....................................... Farm ................................................. Commercial, indoatrial and ro-operativc enterprises ..... 279 - Other ................................................ Total mortgage loans ............................. ..... 279 - ...- - - - 53 - 13 - - - 1,512 74.647 1,047,690 936,718 12,457 5.032 8,227 5,115 - Less: Allowance for doubtful loans ......................... vi - Mortgage: b I Residential: A B it iii iv ... - - - 10.565 - 423 10,988 - - - 24,496 2,716 206 1,860,671 495.207 - 9,716 - 3,723 268 27.686 16,837 3,931 1.877.508 512,577 Less: v 4 Allowance for doubtful loans ......................... Accrued interest on loans and investments 5 10 - -_ 34,942 5.396 Fixed assets: ... 34 ...25 ... 3 ......- 98 114 50 9 1,807 856 8 9 Lend ................................................... Buildings .............................................. Equipment and fsrnii::re ................................ Stabilieation fund deposits .............................. Other assets ............................................. 478 396 921 452 748 22 10 Total assets ..................................... 5,518 14,062 102,654 105,169 5 b - - - 6,9 101.401 20,4 26,474 6,0; - 3,6 13,031 9,3 4.852,245 1,815,3 - 29 - TABLEAU B. Bilana - Locales, 1974 British Columbia Saskathewan Alberta Northwest Territories - thousands of dollars - Canada - ColombieBritanniqoe Torritoirea do Nord-Osest milliera do dollars AcEif Encaiaae or dip6ts I vue: 7.011 8,886 2.132 10,870 10 168,544 20.542 10,290 1.089 3,231 6,462 3,892 33,490 1,138 195 1,044,774 1 En caiase ............................................... a DApOts I ewe: 386 - - 1,655 3.135 - 1,445 - - -. - 282 - - - 80,210 3.135 6 Cenrrules, ligoea. fidOrations ...................... Banqoea A charm... .................................. .....ii Soclirba do fiducte or do pelts hyporhAcairee 111 Autres institutions finoncires .......................... iv Postes on transit ....................................... C Placements: 2 D8p8ts A terse: 31,749 224,433 - - - - 59,731 - 42.843 - 4.685 52,71.2 10,000 - - - - - - - - - 563,138 - a Concrales, ligons, f6d6rations, etc ................. Banques I charm.. .... ............................... ....ii SociOtOs do fidurie et de prlta hypothicuirns idi Autres inatituttons financiPrns .. ................... .. iv Papiers d'affaires at effota den soclbtAs financeb nents den ventes. Obligations garanties ou non: 1,025 4,856 3,723 15,558 if 15,079 700 530 280 1,170 1.723 3,372 - - - - - - 28,234 206,121 441,592 - 60 41.302 - Goavernenent do Canada .............................. 1. Den provinces ............................................ ii Des municipaliti8s, y cospris los obligations non iii garanties des coIssions scolaires. Sociétbs ................................................. iv Aurres institutions ...................................... 0 Actions dOtenues: 27,655 - 6.688 .99 7,665 2,315 - 23,560 - 8,895 2 - 93,675 22.215 81,787 Centrules, ligues, f6d8rationn ...................... Autrea institutions ......................................ii Autres placements ........................................ e Prlts: 3 Non-hypothdcaires: 129,226 124,213 20,743 79,546 20.861 18.947 655 25.877 20.091 196,707 243,452 - 202,641 - 196,181 2,427 6,479 - 5,506 - - 202,641 - 210.593 768 - - 768 2.781.658 121.049 60.181 7494 60,780 3.031,162 a Personnels .......................................... Agricoles ................................................ ii Entreprisea con,nerrislns, indostrielles nt coupéiii rat Ivan. Successions ou dotations ................................. iv Autres ................................................... v Total des prlts non-hypoth&cairea ................. ilOins: - - - - 30,259 - Provisions pour prlts douteus ........................... vi HyporhAcaires: 6 Constructions risidentielles: - - 120,966 171,341 29.82 4 110,52 4 28.177 43,311 10,912 41.001 189,879 366,177 - 105,324 - - 105,324 - 731,298 18,670 64,862 - - 3,520,147 171,450 140.279 - 814,830 - 73,372 3,905,248 4,008 - 8.052 - - Loi nattonale nor l'hubitation .................... Conventionneis .................................... Pecans .................................................. it Entreprises cnnmerciales, industriellas ;.t coupélii rat Ivan. ,'cltres ................................................. iv Totul den prlts hypothfcuires ................... itoins: 6,044 - - 2,882 23,484 3.310 4.592 f 1.796 10,409 .9 2.846 if 2,522 1,384 7,659 2,277 3.258 1.915 4,446 13.146 3,580 10.743 5,668 -.0 1.034.548 393,052 1,210,802 1 74,683 4 16.672 162,794 44,717 18,679 35,826 980 10.026.257 Provisions poor prlta douteun .......................... Intérlt accumuli nor prIm et placements .................. 4 tobiitsattonn: - - - - Terrains .... .......................................... ... a Bltiments ................................................ b }latiricl Ct nobilier ..................................... c DepOts du (onds do stbilIaations ......................... 8 Autres ClCments d'actif ................................... 9 Total de lactif ............................... 10 v - 30 - TABLE I 8. Balance Sheets - Locals, 1974 - Concluded PrinceEdward New Newfoundland Island Nova Scotia Brunswick - - - - QuAbec Terre-Neuve Ile-du-Prince- Nouvelle- Nouveaudouard cosse Brunswick ..k...,.,A ,.F A,,11* - .4., Liabilities Deposits: 11 Demand: a I Chequing ............................................. .129 1,070 ii Non-chequing ......................................... .63 2.601 .. 396 1.091 b Term deposits ......................................... c Other forun of deposits ................................ 12 . - - 6,685 - 30.907 - 8,593 - 15,607 4,226 1,994,581 93,028 776,364 490,291 1,306,333 332,399 - - Loa payable: ns 440 - 2,314 317 - - - 41 70 - - - - 146 316 - 3,375 - 316 . - - 163 - - dIncome tax ............................................. - - - - - 199 e 20 - Centrals, leagues, federations ......................... . 35 b Chartered banks ........................................ 229 cOther loans ............................................ I) 3,583 26,171 34,161 1,910 a I Accounts payable: a Interest ............................................... b Dividends .............................................. c Provisions for additional interest and rebates 19 3 Other .................................................. Othsr liabilities ....................................... . - 42,798 6,467 1,443 85 15,915 4,040 23 92 59 38.442 9,491 5.280 53,167 65,822 478,652 785.776 Members' equities Share capital: 20 a Ordinary shares ........................................ 3,500 b Estate/endowment shares ................................ . c Other shares ........................................... - - 86 - - - - - 2,795 393 - 802 21 Reserves ................................................ .24 59 2,963 4,647 170,135 22 Undivided surplus ........................................ 21 39 3,046 1,226 2,854 5.518 14,042 102,654 105,169 4,852,245 30 Total liabilities and members' equities 3M. 1.81. S - 31 - S TABLE,MJ 8. Bilans - Locales, 1976 - fin Rritlah Northwest Colombia Territories Saskat- Alberta - - Canada chewan Colonbie- Territoires du Britenniqee Nord-Ouest Pass If DdpOts: 11 DepOts I vue: 67,243 139,055 285,551 1 4 8,447 78,035 350,622 8.180 - 45,452 - 203,766 - a 89,501 212 2.445.549 Comptes-ch8quns ..................................... 240,461 155 1.943.933 Autres .................................................it . 550,768 464 2.87 1.386 - 12,406 - DepOts 6 terse ........................................ ..12.. Autres categories de d6pBta ........................... ... c Emprunts N payer: 37.734 I 34.853 17,228 90,283 17 309 145 795 383 1.658 79 236,477 Centrales, ligues. f6d8ratlons .......................... .. a - 8.458 Banques N charte .......................................... 6 - 8,300 Autres emprunts ....................................... ... C Comptes N payer: 14,295 4,585 14,819 5 13 83,115 lnt0r8t ................................................ a Dividenden ............................................. b c 16,413 - - - 20.423 2,503 1,502 - - - 4.168 Provtsioos pour intent et ristournes additionnels .., 369 354 2,420 ImpOt our Is revenu ...................................... d 1,525 3.419 Autres ................................................... a 644 1,497 - 2.388 1 3.951 - 30.398 390 - 51.529 Autres fiCnents do passt0 ................................ 19 Avoir des .ociCtaires Capital social: 1.352 296,929 101,023 175,626 1.392 127 13.782 - - - - 948 20 58 1,967,185 Parts ordinalres .........................................a - 18,182 Parts socialas an successions ou dotationa ............ - 2.143 Autre. part .............................................c 23.435 10,661 20,528 3 278.867 Riserves ................................................ 21 .. 2,376 7,130 16,445 3 41,318 Bénffices non rCpartis ...................................22 1.034.548 393,052 1,210,802 980 10,026,257 Total du passif et avoir des aociitaires ...........30 . - 32 - TABLE 9. Common-size Balance Sheets - Locals. 1974 Prince Edward island Nova Scotia New Brunswick - - - - Terre-Neuva Ile-du-Prince Edouard Nouvellefcosge NouveauBrunswick Newfoundland I QuAbe: per cent - pourcentage Assets Cash and demand deposits: a On hand .................................................0.07 b Demand deposits: it iii iv c Contrals, leagues, federations ........................ 0.13 Chartered banks ....................................... 0.76 Trust and sortgage companies ..........................0.04 Other financial institutions . ....................... ..Items in traflett ,........................................ - 1.50 1.67 4.22 2.51 0.64 6.29 3.01 0.55 2.00 19.14 0.29 2.14 - - - 4.09 7.19 - - 1.34 - - Government of Canada ..................................0.14 Provisciai ............................................0.09 Municipal, including school district debentures - 0.06 0.04 0.10 - 0.31 0.25 0.43 1.42 0.30 3.08 7.62 0.29 1.92 2.47 Corporation ........................................... 1.09 Other institutions .... .............................. ..- .- 0.80 3.70 1.16 - - - 0.04 70.90 0.35 - - 0.38 - 0.17 1.40 1.02 - - Investments: 2 Term deposits: a Centrals, leagues, federations, etc ...................0.67 Chartered banics ....................................... 4.62 it jjTrust and mortgage companies ..........................0.60 Other financial institutions ........................ ..iv Commercial paper and sales finance companies notes b 1.41 - 3.21 Bands and debentures: it jjj iv - - - - 0.72 0. 1.75 0.23 0.32 0.19 1. -2. 51.66 0.46 0.52 21.59 0.26 0.17 51.59 0.28 0.28 0.26 Shares held: d Centrals, leagues, federations ........................0.22 itOther institutions .. ................................ ...Other investments ........................................ e Loans: 3 Non-mortgage: a personal .............................................. 86.43 itFarm ................................................ ... Commercial, industrial and co-operative enterprises jjj 0.09 i iv v Estate/endowment ....................................... Other .................................................. Total non-mortgage loans ............................86.52 87.85 -. 87.85 - 1.47 72.72 1.82 54.46 0.11 22.13 0.07 0.33 52.55 0.73 0.36 0,64 - - Less: vi Allowance for doubtful loans ........................... O91 1.75 - Mortgage: b i Residential: ANational Housing Ant .................................. Conoeotiooai .........................................5.04 B itFarm ... ............................................. .... Cossnerclal. Induatrlal and co-operative enterprises iii - Other ................................................... Total mortgage loans ............................... 5.06 - iv - 10.29 - 0.41 10.70 - - 23.29 2.58 0.20 38.34 0.25 26.32 0.35 38.69 - - 27.28 0.54 0.21 0.22 28.25 Less: ,, Allowance for doubtful loans ............................ - 4 Accrued interest on loans and investments .................. 0.08 5 Fined assets, a I. 8 9 10 Land ..................................................... 0.62 Buildings ................................................ 0.45 Equipment and furniture .................................. 0.05 Stabilization fund deposits ................................. Other asnets ................................................ Total assets ................................... 100.00 - - - - - 0.38 - 0.01 0.72 0.30 - - 0.70 0.81 0.36 0,06 1.76 0.83 0.47 0.38 0.88 0.43 0.71 0.02 100,00 100.00 100.00 - - 2.09 0.55 - 0.27 100.00 0. 0. 0.. 1). 100. . - 33 - TABLEAU 9. Bilans Soss forme de poarcentage - Locales, 1974 British Coiornbia Sasiratch , oba Alberta Northwest Territories - - ColoebleBritannique Territoires du Nord-Out'st Canada NO per cent - pourcentage Act ii Encaimse et depOts I rue: 1.43 0.86 0.54 0.90 1.02 1.68 4.18 0.22 0.08 0.99 0.31 1.64 0.99 2.77 0.09 19.90 10.42 1 En caisse ............................................... a 0€p8tn I vue: - - 0.16 0.30 - 0.37 - 0.02 - - - 0.80 0.03 b Centralca, ligues. fidérations ...................... Banques I charte .........................................1: SociUtUs de fiducie et de prOtn hypothfcaires ji Autces institutions financiCres ..................... Potes en transit ..................................... Placements: 2 DépSts B ternre: 6.46 - 21.71 - 5.77 - - 10.90 - 4.35 0.83 1.19 - - - 5.6 - - 0.28 2.06 4.40 Centrales. ilgues, f8d8rationa, e................... Banquen charte .................................... SociUtds de fiducie et de prBts hypothCcaires ....... Autres institutions financiBres ..................... Psplern d'affaires et effets des aociBt6s financements den ventes. Obligations garanties 0.21 0.76 1.33 - S • 0 Ill is b Cu flOfi! C 0.47 1.50 1.46 0.18 0.13 0.07 0.10 0.14 0.28 - - - - - -- - 0.41 Couvernement du Canada .............................. Des provinces .......................................... 41 De municipalities, y compris ies obligations non iii garanties des commissions scolaires. SociOtfo ............................................ Autres institutions ................................. 0.59 1.95 0.20 - - - 0.93 0.22 0.82 Actions dftenoes: d Centrales, ligues, f8d6raciono ...................... Autres institutions ...................................... ii Autres placements ....................................... e 2.19 0.65 0.74 0.73 PrOts: 3 Non-hypothCcairss: 26.24 4.22 4.24 12.01 7.69 1.83 5.26 39.96 0.06 1.94 23.53 51.56 - 51.56 16.20 0.20 0.54 0.45 - 17.39 78.37 - 78.37 27.74 1.21 0.60 0.07 0.61 30.23 Personsels .......................................... Agricoles ........................................... intreprisea cornorercialus, industrielles et coop8rat ives. Successions no dotations ............................ Autres .............................................. Total des prlts non-hypothfcaiccu ................. a ii iii .... is Mo ins: - - - - - 0.30 Prnvisions pour prPts douteam ... .................... ... vi Hypothécaires: b Constructions raidentielles: - - 24.59 6.06 5.73 16.56 10.68 4.19 2.22 38.60 3.96 35.39 - 26.80 - - - - 35.11 1.71 1.40 67.28 - 0.73 38.95 - 26.80 - 60.38 1.54 5.36 Loi nationale sur l'habitation .................... Concentionnelo .................................... Fernres .................................................. ii Entreprises cu,m,nrclalen, indostriellon et coopfraiii t ives. Autres ................................................. is Total des prlts hypothfcaires ................. i4oins: 0,82 - - 0.33 - 0.08 0.59 2.27 0.84 0.38 0.10 0.74 0.34 1.41 0.17 1.01 0.28 0.37 1.09 0.30 0.89 0.47 - 0.41 0.24 0.35 1.95 0.58 0.83 0.49 0.17 1.62 0.45 0.19 0.36 100.00 100.00 100.00 100.00 Provisions pofir prOts doateux ....................... InterOt accunulB our prOts et placements .................. 4 limnobilinations: - . - 100.00 5 Terrains ................................................. a Bltiments ................................................ b Materiel et mobiller .................................. DepOts du foods de stsbilisationu ......................... 8 Autres flCments d'actlf ................................... 9 Total de l'actif ............................... 10 - 34 - TABLE 9. Comon-ntze Balance Sheets Newfoundland - Terre-Neuve - Locals, 1974 - Concluded New Brunswick Prince Edward Island Nova Scotia - - - NouvelleEcosse NouveauBrunswick he-du-Princetdouard per Cent - Qubec pourcentage Liabilities Deposits: 11 a b Demand: I Chequing ............................................. . 2.34 7.61 ii Non-chequing ......................................... . 1.14 18.50 Term deposits .......................................... 25.26 7.76 Other forms of deposits ................................ .. - - 6.51 - 30.11 - 8.17 - 14.84 4.02 41.11 5.12 16.00 27.01 26.92 18.31 - - Loans payable: 12 a Centrals, leagues, federations ......................... 0.63 6 Chartered banks ........................................ 4.15 c Other loans ............................................ ...- 1.86 0.42 - 2.25 0.30 - 0.04 0.07 25.48 0,54 1.88 - - 13 Accounts payable: a Interest .. ............................................ ...- b Dividends .............................................. Proviatons for additional interest and rebates dIncome tax ............................................. e 19 Other ................................................. . Other liabilities ........................................ 0.05 - 2.26 0.14 - 3.21 - 0,15 - - - - ...- - - 0. 36 - - 0.88 0.36 - '- - 0.02 - 0.01 1.41 0,08 0.33 0.22 0.16 0.09 0.06 0.79 0.52 37.54 51.79 62.58 Members' equities 20 Share capital: a Ordinary shares ......................................... 63.44 6 Estate/endowment sharen . ..... - - Other shares ............................................... - - .............................. 0.08 - - 0.37 9.86 - 0.15 - 0.04 21 Reserves .................................................... 2.25 0.62 2.89 4.42 3.51 22 Undivided surplus ........................................... 0.38 0.28 2.97 1.17 0.06 100.00 100.00 100.00 100.00 100,00 30 Total liabilitien and members' equities 43.30 ilL - 35 - TABLEAU 9. Bilans sous for.e de pourcentage - Locates, 1974 -. fin I British I Northoest Columbia Territories Saskat- I Alberta Ii - i - I Canada I Colombie- I Territoires du I Britannique Nord-Ouest I I NO per Cent - pourcentage Paulif Dëpôta: ii D6p8ts U von: 13.67 13.44 58.06 14,35 15.87 33.89 1.66 - 11.56 - 51.84 - a 7.39 21.63 24.39 Coaptes-chUquas ..................................... 19.86 15.82 19.39 Autres ............................................... it 45.49 47.34 28.67 D6p6tu A terms .........................................b 0.12 Autres catdgortea de d6p8ts ............................ c - - Empronis U payer: 12 7.67 3.37 4.38 6.63 8.06 2.36 Centrales, liguss, f8d8rations ......................... a 5 .. 0.08 0.01 - 0.08 Banques A charte ....................................... b 0.08 0.10 0.14 - 0.08 Autres emprunti ...................... . ................ .c . Coeptes U payer: - 1.38 1.17 1.22 - 1.59 - - 0.51 0.15 - 0.08 0.03 0.31 0.33 - 0.06 13 0.83 Intêr8t ................................................ a - 0.20 Dividendes ............................................. b - - 0.04 Provisions poor iot4r€t et riscournes addittonnels - 0.12 0.10 0.02 Iinp8t nor Ic revenu .................................... d - 0.33 - 0.30 Autres ................................................. a 0.03 - 0.51 0.61 0.51 C Autres Al8sents do pasaif ................................ 19 Mole den sociAtaire, Capital social: 20 0.27 28.70 25.71 14.50 - 0.13 0.03 1.14 - 0.18 Parts nociales an successlona on dotstions ............ - 0.08 - 0.02 Autres parts .......................................... 1.55 2.27 2.71 1.70 0,31 2.78 Reserves ................................................. 2! 0.23 1.81 1.36 0.31 0.41 B€nCfices msn repartis ................................... 22 100.00 100.00 100.00 100.00 100.00 Total do p.ssaif et avoir des actionnaires .......... 30 - - 5.92 19.62 Parts ordiostres ....................................... a - 36 - TABLE 10. Revenue and Expense Statement - Locals, 1974 Newfoundland - Terre-lieuve n Prince Edward Island Nova Scotia New Brunswick Ile-du-PrinceEdosard NouvelleEcosoe NouveauBrunswick - - - QuSbec Or thousands of dollars - milliers de dollars Revenue 31 a b d e 32 a b 33 39 40 Interest earned: Demand deposits ......................................... Te rm deposits ........................................... Personal and other non-mortgage loans ................... ?rtgages ............................................... Other interest earned ................................... .21 .10 491 ..22 ..8 Dividends received: Centrals, leagues, federations .......................... Other dividends received ................................ ServIce charges and conmissions ........................... Other ..................................................... ..16 ....1 .54 Total revenue ........................................ - 1,405 - 579 559 7,412 1,089 111 - 768 5,234 2,578 534 28,600 74,831 106.465 92,602 159.065 36,998 - 13.503 - 1,737 - - - - 14 18 219 309 104 320 16,081 760 5,751 4.857 623 1.464 10.602 9.538 390,793 150,457 .68 - 121 98 27 - 324 Expenses 41 Interest on deposits: d e Demand deposits: Chequis .............................................. Mon-cheqoing .......................................... Tern deposits ........................................... Other savings deposits .................................. Rebate of interest (patronage refunds) .......... . ...... . Additional Interest on savings deposits ................. a b Interest on loans: Centrals, leagues, iederatlona .......................... Other ................................................... a i if b 42 43 Insurance: a Loan protection ......................................... bLife savings ............................................ Fire .................................................... Burglary, fidelity ...................................... d a Stabilization fund assessment ........................... I Other .. ............................................... .. 44 a b I if c d 45 Sacs and fees: Does to centrals, leagues and federations Audit, inspection and filing fees: External audit ........................................ Government supervision and inspection ................. Service and clearing charges ............................ Legal and registration fees ............................. Personnel expenses: a Salaries, honoraria, etc ................................ b Staff benefits .......................................... Directors' and other official remune ration dTravel .................................................. - .5 50 .20 .1 .1 - - 346 375 130 - 277 - 835 - 23,443 - 835 794 11 25 - - - - - 2,256 90 94 1 2 63.690 45.403 86.041 80 63 - - - 2.450 87 48,378 C - 311 - 1 18 125 193 - 407 13 ..1 - 5 33 - - 555 - - 722 105 - 2 4 - - 112 21 238 12 - 1,815 137 1,306 41 - - 3 23 - 4.182 169 60.739 16,676 5,611 1,396 - 821 - 339 Occupancy: 46 a Rent: 1 I Building rental ...................................... ifEquipment rental . .................................... .- b i if c d e Depreciation: Buildings ............................................. Equipnent ............................................. ou Repairs and ioleouucc Property and business taxes, licenses .................. Heat, power and water ................................... 5 2 1 General expenses; Stationery and supplies, including postage 19 a 1 bTelephone and telegrax ................................. 2 Promatlonal expenses ................................... Provision for doubtful loans ..............................48 49 Other expenses ............................................3 13 - 59 114 - - 1,437 26 3 80 40 57 - - 2,894 1 147 4,307 1 4,b69 646 2.373 506 1,746 345 - - 695 7 43 - 20 6 2 72 30 198 41 79 130 285 910 - 2,115 1,225 347 - 1,316 - 897 39,605 4,157 350.022 97.365 - 47 - 50 Total expennen ......................................305 1,117 6,951 4,853 51 52 60 Inooae before provision for ioconc taxes ..................318 Provision for income taxes ................................Net income for the year .................................318 347 3,651 61 62 63 Less: Dividends ...............................................244 Interest and rebates ....................................58 Income retained during the year .......................16 3,651 4,685 64 4,625 40.771 347 321 12 14 2.689 150 812 3,375 163 1,083 14,269 43, 13,289 13,213 - - - 40,771 53, C - 37 - TABLEAU 10. Ptats des revensa et dépenses - Locales, 1974 S itoba llorthwest Territories ColombieBritannique Tcrritoirea du Sord-Ouest - Alberta chewan British Columbia - Canada thousands of dollars - silliers de dollars tevenus 2,498 5,230 18,165 2,420 50 233 - 3,950 21,156 10,996 1.496 ' 4,413 - 22,088 - 383 1.089 1,523 1,191 44,681 84,678 37,598 23,898 IntdrOt gagné sur: 31 DePOtS S ................................................ a Odpits S terne ............................................ b Pr8ts personnels cc autres pr7tu non-hypotho:aires ..... HypothCcaires ............................................. d Autre intHrlt tagni ....................................... e 2 24,192 945 20,401 14.819 Dividenden reçus: 32 Centralen, ligues. fCdCrations ..........................a .. Autres dividendes requs ................................... b Pram d'adsinistration et coissions se .................... .33 Autren ..................................................... 39 50 845,177 7 683 ' 1 ' 1.413 945 1,316 1,228 114,693 1 1 126 f 127 634 795 ' -- Total dun revenus ..................................... 40 Dépenses 1nt6rts our depOts: 868 19.048 5.199 463 542 11.161 1 2 .766 ' 36,011 - - 1.364 03 14 } 2,543 2,121 1,170 J 2,000 ' - 192 377 152 37 156 1,096 - 119 440 138 346 152 429 85 - 5,768 390 211 96 10,364 942 267 86 6,500 - 1 6 17 . - 381,633 ' 1 r xp ConEd a fed 26 850 54 - Assurances: 43 Assurance-vie Sur i'rOtn ................................... S Assurance-vie nor d'dpargne ................................ b Incendle ................................................... c 50.213 Vol. fiddlitd do personnel ................................. d Repartition d fonda de utohilisation ...................... e Astres ............................ . .................... ...f 303 - 406 129 953 207 - 3,815 1 113 72 - 13,457 1.151 202 197 Cotisations et honoraires: 44 Cotisations aux centralea, ligoes et fCddrations a Honoralres pour verification, inspettion et classesent; b VCrificotlon externe ................................. ' 862 J' Surveillance rt inspection do gouver000ent .............. ii 2,563 Pram de conWensation et d'adminlstration ................. c 4,816 Honoraires juridiqurs et droits d'lnortptlon .......... 1,768 1 10 116.978 9,639 1,503 767 - 1 Ddpenses do personnel: 45 Appomnten,rnto, honorsires. etc............................ a Avantagru e.ociaux ....... . ...... . ....................... ...b Rénson8ration et dSpenses den cadres .................... DCplacesents .............................................. d Habitation: 210 - 507 231 292 137 - 387 300 421 374 230 1 1 000 - - 1 962 - 362 572 935 439 268 - 1,479 406 945 - 4767 5,382 5.245 6.964 3.986 2,777 Aaorti,sesent: b Bltisents ............................................ Materiel ................................................. ii Reparations et entretien .................................. r Taxes fonciOres et &affaires, permis ..................... d Chauffage. Cnergle Cleotrique et ens ...................... e f ' - 46 Loyer: a Loyer des bltinents .................................. Loyer do materiel ........................................ it Dépenses géndrales: 47 Papeterie et fournitares, v cos.pris lea frala do poste a tCldphone et tClCgramsen ..b Dd penses et promotion ................................. ............ .................... Provision pour prOtu do:,teuo ............................... 48 Autren dipenses ............................................ 49 672 96 324 915 867 1,116 4.129 2,877 3 6,139 2,537 3,472 1,884 53,982 44,454 61,180 29,935 99.457 43 695,682 Total des dCpenses ................................... 50 227 23.498 362 23,136 7.663 15,236 431 14,805 - 7 7,663 149,495 939 148.556 Béndfice avant ispOt ant in revenu ......................... 51 Provision pour ispOt sur le revesu ......................... 52 Bénéfice net pour l'snn#e ................................ 60 16,413 1,502 5,221 4,592 556 2,515 8,561 2,110 4,134 - 96.233 24.210 28.113 l,ins: Dlvidendee ............................................... 61 intCrOt et ristournes .................................... 62 Excident annuel non affecté ............................ 63 - . 276 42 _ 2.500 - 8 ' 41.786 41 DepOts A vue: COnptCscheq000 ...................................... Autrea ............................................... DepOts S terse ............................................. b Autres depOts d'dpargne ................................ Ristournes ................................. ............... d Intdr8t udditionnel nor lea d8pots dëpargne ........... 886 410 633 - 750 - - - * 1 7 4 3 - 38 - ThZLE U. on-nioe Revenue and Expense Statement - locals, 1974 Newfoundland Nova Scotia Prince Edward Island Outari QuNbec terre-Neuve Ile-du-Princedouard I I New Brunswick NouveauBrunswick Nouvel.letconse Ho. per cent - pourcentage Revenue 31 Interest earned: Deaund deposits ......................................... 3.37 a 1.60 bTerm deposits .......................................... Personal and other non-mortgage loans ................... 78.81 95.97 ?rtgages ............................................... 3.53 d eaed ................................... 1.28 e Other interest rn 9091 1.05 32 8.0 5 54.87 27.03 5.60 7.32 19.15 27.24 61.55 40.70 24.59 - 8.97 Dividends received: Centrals, leagues, federations .......................... 2.57 a bOther dividends received ................................ ServIce chargea and commismiona ........................... 0.16 33 Other .....................................................8.68 39 3.06 - 0.96 1.23 2.07 2.91 1.09 3.36 4.11 0.50 1.48 3.24 Total revenue ......................................... 100.00 100.00 100.00 100.00 100.00 100.00 40 1.84 .- - - 1.15 - - Expenses Interest on deposits: 41 a i It b c d e 42 interest on loans: Centrals, leagues, federations .......................... 0.80 Other ................................................... 8.03 • b 43 Ilemand deposits: Chequing .............................................. Non - chequing .......................................... 10.91 Term deposits ........................................... Ocher savings deposits ..................................Rebate of interest (patronage refunds) .................. Additional interest on savings deposits .................- Insurance: a Loan protection ......................................... 3.21 bLife savings ............................................0.16 Fire .................................................... Burglary, fidelity ......................................0.16 d Stabiliration fund assessment ... ....................... .• Ocher ...................................................- 44 Dues and fees: Dues to centrals, leagues and federations ............... 0.16 Audit, inspection and filing fees: External audit ........................................ 2.09 i Government supervision and inspection ................. it Service and clearing charges ............................0.16 c dLegal and registration fees ............................. a b 45 8.27 6.69 46 2.90 - 16.30 11.62 22.02 23.07 8.75 3.54 1.23 0.84 0.66 0.58 0.02 6.42 - 8.75 6.00 0.07 0.14 7.49 0.10 0.24 0.91 - .1.23 1.18 2.02 - 0.27 0.34 0.31 - 23.63 - - - - Personnel expenses: 16.26 Salaries, honoraria, etc ................................ 16.86 Stat! benefits .......................................... 0.82 0.32 Directors and ocher official remuneration 0.20 Travel .................................................. 0.64 a b c d - - - 1.06 0.20 17.12 1.29 - - 0.24 - 13.71 0.39 - 0.56 1.20 - - 32.16 S - 0.08 - 0.37 - 0.48 1.07 0.11 15.54 11.08 1.64 0.93 - 0.55 - 0.23 Occupancy: Rent: Building rental ....................................... 0.16 Equipment rental ...................................... - 0.89 Depreciation: Buildings ............................................. 0.80 Equipment .............................................Repairs and maintenance ................................. Property and business taxea, licenses ................... 0.32 Heat, power and water ................................... 0.16 1.78 0.20 0.75 0.38 0.54 0.48 48 49 General expenses: Stationery and supplies, including postage .............. 3.05 Telephone and telegram ..................................0.16 Promotional expenses .................................... 0.32 Provision for doubtful loans .............................. Other enpensea ............................................0.48 50 a i it b - - - 0.37 - 0.46 0.41 - 0.74 0.76 1.10 1.19 0.43 0.61 0.34 0.45 0.23 1.37 0.41 0.14 4.92 2.05 1.87 0.39 0.75 1.36 2.69 9.54 - 1.41 0.31 0.23 - 0.87 - 0.60 10.13 2.76 Total expenaea ...................................... 48.95 76.30 65.56 50.88 89.57 64.72 51 52 60 Income before provision for income taxes .................. 51.05 Provision for income taxes ................................ Net income for the year ................................. 51.05 23.70 34.44 34.44 49.12 0.67 48.45 10.43 35.28 23.70 61 62 63 I.e an: Dividends ............................................... 39.17 Interest and rebates ....................................9.31 Income retained during the year ....................... 2.57 21.92 0.82 0.96 25.37 1.41 7.66 35.39 1.71 11.35 i it c a e 47 a b - - - - - - - 10.43 3 3.65 30. 3.40 3.38 . - 39 - TABLEAU ii. Etats des revenus at dépennes sous fume de phurcentage - Locales, 1974 oba Saskat ches,sn British Colus,bia Alberta Northuest Territories Calonbie Britannique - Canada Territoires do Nord-Ouest No per cent - pourcentage Revenus - 3.13 5.59 41.92 40.65 5.42 -- 6.18 ' 32 5.21 26.08 - 0.86 2.43 1.80 1.41 100.00 100.00 6.70 .10.51 56.27 29.25 3.97 89 03 -- 2.00 I 94.00 1.23 --- - 100.00 2.83 Intérét gagnd sur 31 Depots A VUe .............................................. a DepOts A tern,e ......................................... PrOcs persosnels at autres préts non-hypochécaires ..... Hypothdcairas ............................................. d Autre intCrOt gagnd ....................................... e Dividendea reçus: 32 Centralen, ligues, f4d8ratioos ............................ a Autres dividendes reçus ...................................6 Frais d'adeinlstration at coissions .................... ..33 Autres ..................................................... 39 S 90.03 -- 0.82 1.15 1,07 4.00 2.86 0,11 2.41 1.76 100.00 100.00 100.00 Total den revenus ......................................40 Dèpensaa tntCrBt Soc depOts: 41 DepOts A vue: 11.64 1.04 1 .21 42 36.46 -- -- - 1 15.31 33.96 3.00 2.50 1.38 J 0.06 0,18 1.29 - 6.65 32 --- 0.43 0.45 0.40 0.27 0.52 0.37 0.77 0.34 0.51 0.10 12.91 0.87 0.47 0.21 12.24 1.11 0.32 0.10 -- 17,29 -- } -- { J 1 0.10 -- -- 0.05 0.26 : 34.00 oo 0.06 a .::::.: :::.::.:::: ::::::: :: DepOts A cerise ............................................. b Autrea depOts d'Cpargne ....................................c Ristoornes ................................................ d IntCrOc additionnel sot les d8p6ts d'Cpargse ...............e 12.00 -- 0.35 0.11 0.83 0.18 2.00 11.73 1.00 0.18 0.17 20.00 ::: IntCrOt sor emprosts: } 42 a 5.18 Assurances: 43 Assurance-vie our prOta ................................... a Assurance-vie sum dCpargne ................................. b Incendie ............................................... Vol. fidélité do personnel ................................. d Repartition do fonda de stabllisation ......................a .',utrea ................................................. ' Cotisations at honoratres: 44 Cotisations •us centrales, ligues at fAdCrstiona a Honorairespour verification, inspection et classeaent: I, Verification externe ................................. 1 0.22 Surveillance ec inspection do goovemneisent ...............ii 0.30 Pram de compensation or d'adsinistratior, . ............. ... C 0.57 Honorsires Juridiques at droits d'inocription ............. d 0.21 1 j _ 13.84 1.14 0.18 0.09 -- 2.00 Dépenses du personnel: 45 Appointenients, honoraires, etc . ........................ ....s AVantages sociaox ......................................... b Rémirnération et dBpansea dam cadres .................... Dépiacesenca ......................................... ....d Habitation, - 0.47 0.52 0.65 0.31 - 0.33 0.46 0.35 0.50 0.44 0.27 0.84 - 1.29 0.35 0.82 0,32 0.50 0.82 0.38 0.23 ----- J ' 0.64 0,62 0.8: 0.47 0.33 . Artissement: 6 Bitimeots ............................................ Mst9riel ................................................ ii Rkpar,:tionn at entrecien ............................... Taxes fonciPres at d'affaires, penis .....................d Chauffage, Cnergie Clectrique et enu ...................... e Dépensea gOnArales: 47 Papetenie at fournitures, y compris les frais de posta a Téléphone cc cClCgrammes ............................... ...b Dépenses de promation .................................. ...c Provision pour prPcs dooteus ................................48 Autres dépenses ............................................. 49 1.50 0.21 0.73 2.05 1.94 1.05 0.48 0.75 1.99 1.32 10.98 2.51 6.00 0.73 0.30 0.41 0.22 6.39 99.49 72.25 79.62 86.72 86.00 82.31 Total des dCpanses ....................................50 27.75 0.43 ()...1 27.32 20.38 13.28 0.38 12.90 14,00 20.38 - 17.69 0.11 17.58 Bdnéfice avant lmp6t nor la revenu ..........................51 Provision poor DepOt our le reveno ..........................52 BCnCfice net pour l'annie .................................60 19.38 1.77 6.17 12.21 1.48 6.69 7.46 1,84 3.60 8.00 11.39 2,86 3.33 Ins: Dividandes ................................................ 61 InterOts at riatoumnen .................................... 62 Exchdant annuel non affertC .............................63 - 0.51 - . --- 2.66 44 Loyer: Loser des bBtisents .................................. 0 56 1 Loyer du materiel ...................... ............. ...ii -- - - 2.00 14,00 - 6.00 - 40 - lADLE 12. Undivided Surplus Statesent - Locals. 1974 Newfoundland - Prince Edward Island . - Ile-du--I'rinceEdouard Terre-Neuve in. thousands Nova Scotia New Brunswick - - Qudbec NouveauBrunswick DouveileEconse of dollars - milliera de dollars 8 45 2,725 950 318 347 3,651 4.621 .6 - .1 24 4 58 20 321 12 466 2,689 ISO 8 21 39 77 3,046 101 Balance of undivided surplus at beginning of the year 8,944 1,563 1 Add: 102 103 104 Net income (loss) from operations for the year Profit (loss) or sale or caturity of bonds and othe: investments. Other udditionu ............................................ - - - 52 - 40,771 178 - 1.128 53,010 - - Deduct lOS 106 107 108 109 lID Appropriations to reserves ................................. DIvidends on shares ....................................... . Interest rebates (patronage refunds) ....................... Additional Interest on savings deposits .................... Other deductions ........................................... Balance of undivided surplus at end of the year - 542 3,375 163 146 119 1,226 - - 12.855 14.269 13.289 1,195 45,765 6,370 373 2.854 446 8,178 - TABLE 13. Allowunre (Reserves) for Doubtful Non-.wortgage Loans Staroment - Locals, 1974 Newfoundland - Terre-Neuve Prince Edward Island - Ile-du-PrinceEdounrd New Brunswick Nov. Scotia - Uouvellelicosse _ thousands of dollars 34 131 Balance at beginning of the year ............................. - - Québec liouvern,Brunswick ___________ nillieru de ____________ ollars 511 227 Onturlo S 15,003 Add: 133 134 - ProvisIons nude during the year ............................ Loans recovered during the year ............................ .24 72 7 - 60 - - - - 301 897 9135 Deduct: 136 139 140 .8 Loans written off during the year .......................... Other adjusents tm .......................................... Mount of accumulated allowances (reserves) at end of the current year. - 50 - 246 42 - - 770 - 2,219 2,614 17.617 11.576 TABLE 14. Allowance (Reserves) for Doubtful '!ortgage Loans Statoneot - Locals, 1974 Prince Edward Nova New Newfoundland Islsnl Scotia Brunuwick - - - - Terre-Ileuve Ile-du-Prince- Ilouvelle- NouveauEdouard Ecosse Brunswick Québec Ontario No. thous.undu of dollars - milliers de dollars 131 Balance at beginning of the year ............................. - - - - - - - - - - - - - - - - - - - - - - - - - - - Add 133 ProvIsions made during the year ............................ 134 Loans recovered during the year ............................ Deduct: 136 Loans written off during the year .......................... 139 Other udjoennencs ............................ . ............ . 140 Mount of accumulated allowances (reserves) at end of the current year. - 41 - TABLEAU 12. Stats estimatifn den bënifices non ripartis - Locales. 1974 lanitoba british Northwest Coloabia Territories Ssskat- Alberta - - chewan Coloinbie- Territoires du Britannique Nord-Osest Canada thousands of dollars - nilliers de doi1ar - - -- -- --- - 1,658 6,962 18,081 7,663 227 23.136 227 8 227 4,511 16,413 1,502 1,557 4,592 556 2.376 790 7,130 227 14,805 4,967 8,561 2.110 24 1,579 16,445 TABLF.AU 13. Etsts des provisions - - - - - - -- - - - - 41,730 Solde den bénilicen non riiportia as d6but de l'ann8e .........101 7 Manitoba S skathowan lédu ire: 2 4 - • - thousands of dollars 3.898 915 769 .044 26,343 96.233 24,210 170 3,619 41,318 3 Affections sun rOnerves .................................... Dividendes nor parts morialcn .............................. IntdrOt (ristoornes) ....................................... lnt8rPt additionnel our len d8pits d'fpargnm ............... Autren d8dontions .......................................... bide den b8n6fices non rfpartis B la fin de l'annfe .... 105 106 107 108 109 110 Canada -- - 27,768 Soide debut au de Pannde .................................... 131 A 3 outer 969 1.237 Provisions mites durant l'annCe ........................... 133 PrBta reconvrCs durant l'annCo ............................. 134 Dfdoire: 2,329 2,614 30,259 PrBtn radlén darant l'annCe ................................ 136 Actres ujostenonts ......................................... 139 MontAnt des provisions (reserves) B is fin de l'annCe 140 observCe. Stats des provisions (reserves) pour prits hypothécaires douteon - Locales, 1974 British Colombia Alberta B6nBf ice net (on perte) den operations pour i'annie .......1102 103 Binffice (os perte) provenant de Is vente Os as l'fchfanco d'obllgations on d'autres placements. Astres additions ........................................... 104 (riserves) poor prits nor reconnaissance de dette droteox - Locales, 1974 - - - -- - 1ABI.SAU 16. 148,556 178 1,421 British Northoent Colombia Territories Alberta ColombieTerritoirea du Britannique hord-iX,ost _____________ thousands of dollars - suitors de dollars Saskat Manitoba chewan 43 outer: 2 ColoinbieBritannique Northwest Territories milliers de dollars 231 1,064 4,841 4,008 Canada -- - Territoires du liord-Ooest No 3.898 Snide so dCbot de l'a,,nCe .................................... 131 43 outer; 915 231 Provisions falten durunt l'snnée ........................... 135 PcBts recoovrés dorant l'snoCe ............................. 134 DE3dulre: 1,833 4,841 8,052 PrBtn radids dorant l'annde ................................ 136 Au,tres ajustemrntn .........................................139 140 llontant des provisions (reserves) B Is fin de l'annie observCc. - 42 - TABLE 15. Balance Sheets - Centrals. 1974 Newfoundland - Terre-Neuve Prince Edward Island Nova Scotia - - New Brunswick Québec - I 0nt Ile-du-PrinceNouvelleNouveautdouard Scone Brunswick thousands of dollars - nilliers de dollars Assets Cash and demand deposits: a b I it iii iv v c 2 On hand ............................................... Demand deponitn: Local credit unions .. .............................. . Chartered banks ..................................... Trust and mortgage companies ....................... . Other institutions in Canada ....................... Other institutions outside Canada .................. Items in transit ...................................... 39 27 18,257 852 - - - 179 524 2 60,839 5,802 - - - - - - . 35 - 18 - - 1 1,126 - - 26,050 9.000 - - 14,350 - Investments: a Term and fixed deposits: Local credic anions ................................. ...Chartered banks ..................................... ...100 Trust and mortgage companies ........................ ...Other financial inatituclons ........................ ... 15 b Commercial paper and bankers' acceptances Sales finance companies ' notes ........................ ...Bonds and debentures: d Canada Treasury bills ............................... ...t Canada honda ........................................ ...it Provincial bills and notes .......................... ...iii Provincial bonds .................................... ... 5 iv Municipal ........................................... ... 4 v Corporation ......................................... ...vi Other institutions .................................. ...vii Shares held: e Local credit unions ................................. ...i Other: it APreferred shares ................ . ................ ....BCommon shares ..................................... ... investment in subsidiaries: i Shares .............................................. ...itA4vances ............................................ ...Investments outaide Canada ............................ ...B It Other Investments . ................................... .... i if iii iv 3 - 1.69 25 575 520 - - - - - - B 127 1.464 361 355 238,496 16,797 247.474 17.165 7,496 1.882 34,053 1,186 - - - - - 367 15 - - 704 - - - 6,275 93,791 3,009 272 137 571 96 52 911 1,122 51,494 10,556 25,776 3,905 930 11,654 - - - -- - .- - - - 5,050 Loans: a i if iii Non-mortgage: Local credit unions ................................. ...Centrals, leagues, federations .... ................. ....Commercial, industrial and co-operative enterpriaea 553 iv v vi ...Trust companies ..................................... Other ............................................... .. 860 Less: Allowances for doubtful loans ....................... ...35 Mortgage: h Residential: I ANational Housing Act .... ......................... .... Conventional ...................................... ...B Local credit uniosa ................................. ...it Commercial, industrial and co-operative enterprises 22 iii iv V ...Other ............................................... Less: Allowances for doubtful loans . ..................... ....- 4 Accounts receivable, accruals and prepaid expenses 5 Inventory of supplies ................................... 6 - 110 - - - - 1,021 3t,571 758 58 - 49,745 112 119 - 1,212 - 1,089 - 7,013 - 2.256 - - - - - 49 2 67 - - 41.522 38,876 - - 1,217 5 ... 3 1.934 - 384 - - - - 222 - 8,812 3.179 699 804 7,098 2,407 - - 101 20,689 3,482 38 69 74 6 65 50 1.465 274 9,456 1,012 Yised assets: a b Land .................................................. Buildings - Net ....................................... Equipment and furniture - Net ......................... 8 Stahilinatlon fund deposits ............................. 9 Other sasets .... 10 3,345 ....................................... Total assets .................................... ... ... - ... 8 ... - ....1,593 - 70 10 - 300 1,278 94 1.413 788 - - - 4 94 29 3,1 5,212 9,063 15,118 1,054.7. - C S - 43 - TABLEAU 15. Bilnns - Centralen, 1974 British Columbia toba Alberta chevan North,,,nst Territories - Canada - ColoisbieBritannique Territoires do Nord-Ooest NO thousands of dollars - ailliers de dollars Ac Li I Encaisse Ct dfplt B vue: 396 3,006 400 7,073 - 30 - - 439 - - - - - - - - - - - - - - - - - - - 409 - 24,500 31,016 2 93,627 - - 35,050 - 1 14,760 Placements: 14,000 - - - 350 - - - 25 - - - - - - - 3,000 - 3,193 - 5,570 - 1.010 - 11,000 - - - - - - - - - - - - - 26.590 - 5.124 3,144 4,655 - 7,008 - 43,833 625 63,881 4,151 - 4,977 - 2,563 - 10,121 - 2,071 6,275 128.831 - 312,059 270,447 90,363 35.646 - - - - ,13 d62 - 2,111 - - - 200 484 550 150 - 275 5,739 - 500 - - - - - - - - - - - 750 9,876 - 1,730 4,214 - .10 142 16,033 62,550 26,351 7,609 33.785 5,570 46,281 12,481 - - 15,676 - 57,908 - 8,272 - 9 - 35,000 15,951 - 91,444 - 5,429 11,561 296,975 - - 02,638 - - - - - - - - - 50,784 - - - - 376 - - 10,695 196 - 10,695 21,632 1,503 69,110 26 - - - - 2,433 - - - - - 49 - 1.777 981 - - 3 - 50.900 4,932 26 - 22 - - 791 113 - - - - - - 5,968 1,161 - 1 - 32,212 323 3 $on-hypothCcsires: Caisson locales .................................... Centrales, ligues. fCdérationa ......................... ii iii Entreprians comercislea, indostriellea et coopéLives. SociCtCs de fiducie ................... . ............ .... iv Autres .................... . ...... . ................. ..... V vi Moths: Provisions pour prCts doutesun ..................... b HypothCcaires; Constructions rdsidnotielles; Lot nationale nor l'habitation .......................... A Conventionnels .......................................... B Csisses locales ........................................ ii iii Entreprises comerciales, industrielles et coopCrat ivea. Autres ................................................. iv Mains: Provisions pour prOts douteaum ..................... .... V Effets B recevoie, int*rSts conrus et frais payC. A svance. - - 146 151 - - 1,212 798 - - 25 10 - - - 1,929 132 704 - 304.441 51,371 181,669 92 3.673 12,330 2,852 - 4 Stock - Fournicure ....................................... 5 Inmobilisations: 394 626 182 2 a DepOts stables et B terme: Caisses locales .................................... Banqaes B charte ......................................ii Iii SociCtCn de iiducie et do prOts hypothCcaires Autres institutions IlnanciCren ....................... iv Papiers d'affaires ...................................... b Effecs des socidtCs de fisancement do. ventee ........ d Obligations garantles Os non: Bonn do TrCsor Au Canada ........................... it Obligations iarantias do g000ereement du Canada iii Bonn et effets des administrations provinciales . . . Obligations garanties den provinces ................ ... iv V Des n,unicipaiitCn et commissions scolaires SociCtis ................. . ......................... ...vi sit Autres institutions ................................ ... Actions direnues: Caisson loca'.es .................................... it Autres institutions: Actions privilCgiCes ................................... A . ... ...... B Actions ordinaires ........................... Placement dunn los filinles at socidtds affiliCes: Actions ............................................ Ave- ............................................ Placements barn Au Canada .................... . ....... ...S Autres placements ................... ... .............. ...h PrOts: 44,974 1 En caisse ............................................... a b D6p8tn B vue; Calases locales .................................... Banques B charte ................................... ...ii iii Soci6t6n de fiducie et de prts hypothécairen Autres depOts B von so Canada ...................... ... iv Autres depOts i vue A l'Atranger ................... ... V Pastes en transit .......................................c 6 Terrains ................................................ a Biti,nents - Net ......................................... b Materiel et mobilier - Net ........................... DepOts do fonds de stabilisation ......................... 8 6,811 Aotres ClAments d'actil .................................. 9 1,853,702 ActIfs total .................................... 10 - 44 - TABLE 15. Balance Sheets - Centrals, 1974 - Concluded Prince New Newfound- Edward Nova Brunsland Island Scotia wick - - - - Quebec Ontario Terre- tie-du- Nouveije- NouveauNeuve Prince- Ecosst BrunsEdouard wick No. thousands of dollars - rnilliers de dollars Liabilities Deposits: Demand deposits: Local credit unions Government accounts 11 a i ii iii b i A B ii c 12 Other ....................... 121 Term deposits: Local credit unions: Less than one year One year or more ................... d e - Other ........................ 146 Mortgage certificates Accounts payable: Accrued interest Outstanding cheques Dividends a b c 10 - 10 ....- Income taxes ................... Other .......................... 1 703 2,096 2,645 458,695 18,060 - - - - - - - - 899 - - 1,718 1,931 642 3,047 7,479 541,641 676 806 - - - - 20 12 - - - - - - - 302 - 7 - - 6,332 1,270 - 36 1,918 68,015 16,792 - 3,.' - 78 Notes and loans payable: 13 Local credit unions Chartered banks Other ...................... a b c .. 53 1,020 16 Long-term bonds and debentures 19 Other liabilities ............... 147 - 3,326 - 1,135 23 - 6,984 700 109 270 1,094 - 673 - - - - - 2,302 - - 12,366 9 19,054 1 - - 884 Equity 20 Share capital: a i ii b Held by local credit unions: Preferred shares Common shares ................ 189 .... Other members .............. 21 Reserves 22 Undivided earnings ............ 23 ..................... Total liabilities and equity. ... - - 488 - 1,209 82 - - 11 142 287 15,002 1,171 104 21 77 640 5,810 1,37 1,593 5,212 9,063 15,118 1,054,770 - C - 45 - TABLEAU 15. Bilans - Centrales, 1974 - fin S S Northwest British TernColumbia tories I SaskatAlberta - - Canada tianitoba chewan Colombie- TernBritan- toires du flique Nord-Ouest I N° thousands of dollars - milliers de dollars Pass if 4,205 2,023 7,839 4,054 2,577 41,511 81 9,453 15,483 135,914 36,660 18,839 100,000 4,603 8,533 14,350 1,258 118 1,13' 10,579 1,141 8,380 13,050 259,721 55,329 748,422 38,455 49,874 14,350 1,264 6,271 103 1,537 125 62 65 2,350 98 3,481 Effets a payer: Int6rt ................ Cheques en circulation Provisions pour dividendes. Imp6t sur le revenu Autres effets a payer 109 23,688 21,210 Billets et emprunts a payer: Caisses locales ........ Banques charte ....... Autres emprunts ........ 28,126 3,455 1,640 1 1,190 17,700 263 549,899 2,023 4,301 704 Dép6ts: D6p6ts a vue: Caisses locales ...... Comptes des gouvernements. Autres ............... Dépöts a turme: Caisses locales: Terrie initial do moms d'un an. Terrne initial do plus d'un an. Autres dép6ts 5 terhie Certificat hypoth6caires 11 a i ii b A B ii C 12 a b C d C 13 a b c Obligations garanties ou non a long terme. 16 Autres 616nents de passif 19 Avoir propre 10,102 840 23,402 2,198 5,165 17 1,443 41 2,515 10 304,441 51,371 181,669 92 ),939 2,154 23,347 1,230 20 92,3 2,1( Capt ial-ac t ions: Détenues par les caisses locales: Actions priviléiées Actions ordinaires Autres actionnaires 23,9 ( Reserves ................. 21 11,7 BCnéfices non rep.irtis 22 1,853,7( Total du passif et de l'avoir prop re. -___________ a 1 ii b 23 - 46 - TABLE 16. Coon-size Balance Sheets - Centrals, 1974 Prince No. Newfound- Edward Nova New land island Scotia Brunswick QuSbec Ontario Terre- tie-do-Prince- Nouvelle- Nouveau-. Neuve Edouard Ecosse Brunswick per cent - pourcentage Assets Cash and demand deposits: aOn hand .......................2.20 0.02 0.43 0.18 L73 0.65 0.40 b Demand deposits: I Local credit unions - - - - - - if Charteced banks 1.13 3.43 5.78 7.45 577 4.45 0.44 iii Trust and mortgage Compa- - - - - - nba. iv Other institutions in - - - - 2.47 6.90 Canada. v Other institutions outside - - - - - - Canada. C Items in transit - - - - 1.36 - d Total .....................3.33 3,45 6.21 7.63 11.33 12.00 0.84 2 Investments: a Term and fixed deposits: I Local credit onions - - - - 0.09 0.86 If Chartered banks 6.28 - - 0.17 4.88 8.10 0.35 iii Trust and mortgage romps- - - - 3.80 2.44 niea. iv Other financial institu- 0.94 - 1.86 3,44 0.37 - 3.00 tions. b Commercial paper and bankers' - - - - 0.09 8.94 acceptances. c Sales finance LompaulvO' - - - - - 4 Bonds and debentures: I Canada Treasury bills - - - - 0.59 - it Canada bonds - - 3.00 0.05 8.89 2.31 1.01 iii Provincial bills and note. - - - - - - iv Provincial bonds 0.31 - 1.51 0.84 22.61 12.88 5.1 v Municipal ..................0.25 - 6.30 9.68 23.46 13.16 1. vi Corporation ................- - 1.06 2.39 0.71 1.44 vii Other institutions - - 0.57 2.35 3.23 0.91 e Shares held: I Local credit unions - - - - - it Other: A Preferred shares .........- - 4.05 - - B Common shares ............- - 0.17 - 0.06 Investment in subsidiaries: I Shares .....................- - 7.77 1.53 0,41 - it Advances ...................- - - -- 4.02 g Investments outside Canada - - - - - -- 6.74 h Other inveutmemutu ............... - - - 0.48 - 0.75 Total ................. ..7.78 - 26.29 22.72 71.92 50.13 32.02 3 Loans: a Non-mortgage: 1 Local credit unions - 64.18 21.34 6.75 3,94 29.82 44.93 it Centrals, leagues, fede- - - - - - - rations. iii Commercial, industrial and 4.71 7.37 1.21 - 2.90 0.58 8.27 cs-operative enterprises. iv Trust companies - - - - - - v Other .......................53.99 - 0.64 - 4.72 0.09 0.01 b Total ....................88.70 71.55 23.19 6.75 11.56 30.49 53.26 Mortgage: I Residential: A National Housing Act .... - - - - - - 10.70 8 Conventional - 23.35 13.37 46.39 0.84 2.44 it Local credit unions .. ..... .- - - - 0.07 0.62 0.20 iii Commercial, industrial and 1.38 - 12.02 14.92 0.67 - 1.78 co-operative enterprises. iv Other ........................ - - 0.23 - 0.02 d Total ................. ..1.38 23.35 25.39 61.31 1.81 3.06 e Total loans ..........90.08 94.90 48.58 68.06 13.37 33.55 12.70 65.96 Less: Allowances for doubtful 2.19 - 1.31 0.32 0.02 - 4 Accounts r:celvable, ac- 0.31 0.04 0.74 0.67 1.96 2.67 0.98 cruals and prepaid expenses. 5 Inventory of supplies 0.19 - - 0.25 0.01 0.06 0.03 6 Fined assets: a Land ....................... ....- - 3.31 0.04 0.14 0.21 0.02 b Buildings - Net ................- 1.34 14.10 0.43 0.80 0.78 c Equipment and furniture - 0.50 0.19 1.04 0.33 0.13 0.60 0.1 Net. d Tot.sl ......................1.00 1.57 19.19 1.72 3.04 4.32 1. 8 Stabilization fund deposits - - - - - ... 0.08 1.04 0.19 0.36 - 9 Other assets ...................10 Total assets 100.00 100.00 100.00 100.00 100.00 ioo.00 lOO.0 I S S 47 - - TABLEAU 16. Bilans coos fore de pourcentagea - Centrales. 1974 Canada British Columbia ~askat - Alberta •.hewsn Northwest Territories - Dollar average - ColombieBritannique Territoirea du Nord-Ouest per cent - Average or provincial ratio - Koyonne do dollar Moyenne Provinciale No pourcentage Ac t if 0.99 0.78 4.39 - - - - - - - - - - - - - - ... 0.80 - 0.99 1.58 - ... - 13.49 17.88 7.71 - ... 1.67 - 5.04 - 1.89 - - 0.94 - Autres dApOts 1 vue B l'Atrang.r v 0.22 6.52 Pastes an transit ... ..................... .. c Total .................................. d 0.87 1.98 0.62 0.96 Placements; 2 Dipltn ntab1e et N tense: a CaIsson locales ........................ Banqoen B charte .......................... ii Socl#tds de ilducie at do pr8ts hypeill thfra tree, Autrea institutions financiBros iv - - - - - - - - 0.86 3.37 1.42 - - - - 0.41 ... - 4.18 0.80 9.40 - - 1.18 En caisse et d8p6t B vue: 1 En caisse ................................. a Déplis N vue: b Caisses locales ........................ Banques S charte ............................ Li Sociétés do fiducle ci do prPta hypoiii thécaires. Aucres dp6ts B vue so Canada .............. lv - 1.82 2.98 Papiers d'affaires ........................ b - - - - 0.30 0.56 c - - - - - - 0.34 6.95 0.05 3.21 Elf ets des soci9t9s du flnaneement des von tea Obligations garantles ou non: Boss do Trésor do Canada ............... Obligations garastien do 000vernement - - 1.05 13.64 8.73 8.08 6.05 d ii do Canada. - - 9.69 • J - 19.70 - - 0.39 0.94 0.16 - - - - 3 .24 49.47 52.44 19.02 31.05 - - 11.50 10.57 - 1.14 - - - - - - 0.30 0.08 0.15 3.16 - 20.00 50.34 - 6.36 - ... - - - - - - - - - - 30.52 41.62 - - 0.01 - - - 16.72 - - 16.72 0.01 47.24 41.63 - - 1.62 1.54 0.22 - - - 0. 1.41 0 56.70 - 0.77 1.22 0.35 0.67 0.44 4.10 1.75 - - - 5.19 0.71 - - 0.09 0.23 0.53 0.28 2.50 0.67 1.40 0.99 - 0.85 58.02 16.02 - 5.00 - - 0.45 33.23 27.14 - 8.35 - - 0.13 5.69 29.45 0.02 14.9;) 56.34 - - 4.87 1.92 1.07 8.66 0.07 5.08 - 0.64 6.88 5.62 0.58 1.17 0.08 3.73 - - 3.29 59.99 16.83 14.59 5.95 41.43 - - - - 2.74 23.76 - 3.29 - - - - 0.02 0.31 ... 1.74 1.12 - 0.02 0.03 ... 0.20 0.67 0.15 0.52 1.93 0.33 ... 2.78 3.95 - - 0.25 0.38 100.00 - ... iii iv v Sociftds .................................. vi Autren institutions ............. . ...... ...VII Actions dftenaen; a Caisses locales ........................ Aotres institutions: ii Actions privilégtéen ................. Actions ordisaires ................... Placement dons lea filiales at nocifife I all iliBes: Actions ................................ Avances ................................... ii Placements hors du Canada .................. 8 Autres placements ........................ Total .................................. I Pr8ts: Non-hypothécaires: COisses locales ........................ Centrales, liguea fAddrstiona 3 a ii Entreprines cerciglss. indu.tri,lles iii et cooperatives. Soctdtés de flducie .....................iv . Autres ..................................v Total ................................ . Hypothicaires: c Constructions résidentielles: Loi notionale our l'habitatinn ....... Conoentionnela ....................... Calasea locales ..........................ii Entreprises coemerclales. indoatrlel1a .ll ci cooperatives. Autres ..................................lv Total ............................... Total den pr6ts ...................e Ho inn: Provisions pour prBts dooteun .......... Effeta B recevoir , intBr8rs couroa at frais 4 payCs d'svance. Stock - fourniture ............................ 5 Immobilinationa; ... - 100.00 Sons et effets des administrations proo mc is len, Obligations gacanties des provinces Den muoiclpslitAa ci commissions scolalres. 6 Terrains .................................... a BBtiments - Net ............................. b Materiel at mobilier - Net ............... Total ..................................... 4 DCplts do foods de stabilisatlon ............. S 0.37 0.29 Aotres flfments d'actifs ..................... 9 100.00 100.00 Actlf total ..................... 10 - 48 - TABLE 16. Common-size Balance Sheets - Centrals, 1974 - Concluded Prince New Newfound- Edward Nova Brunsland Island Scotia wick - . - - - Québec Ontario Nanitoh.i Terre- Ile-du- Nouvelle- NouveauNeuve Prince- Ecosse BrunsEdouard wick a No. per Cent - pourcentage Liabilities Deposits: 11 a Demand deposits: Local credit unions ....................... Government accounts ....................... Other ..................................... I ii b 0.63 13.49 23.13 17.50 7.60 43.49 13.85 14.21 2.02 2.58 52.16 12.88 15.48 18.90 8.53 14.35 76.07 0.09 Term deposits: I Local credit unions: A B C Less than one year ...................... One year or more ........................ Other ..................................... Mortgage certificates ....................... 12.32 18.96 33.61 12.77 49.47 4.47 51.35 0.08 d Total................................. 17.40 25.81 75.70 84.21 95.01 78.89 Accrued interest ............................ Outstanding cheques ......................... Dividends ................................... Income taxes ................................ Other....................................... 0.63 0.38 0.13 0.60 0.12 2.70 2.00 0.18 0.06 0.15 Total..................................... 0.69 0.38 3.33 64.02 63.82 C Local credit unions ......................... Chartered banks ............................. Other....................................... d Total..................................... 67.35 63.82 16 17 Long-term bonds and debentures ................ Other liabilities ............................. 9.23 0.02 19 Total liabilities ................... 94.67 90.03 83.34 11.86 9.36 b Preferred sharrs .......................... Common shares ............................. Other members ............................... C Total................................... 11.56 ii 12 9.17 Accounts payable: a b C d e 13 0.06 0.08 S 0.21 2.00 0.90 2.76 2.15 0.66 0.07 0.08 0.21 0.84 8.38 7.43 7.51 0.15 7.43 7.66 0.73 1.13 8.38 0.22 0.68 0.26 96.86 83.46 86.86 13.34 0.90 1.17 14.61 10.10 0.84 9.36 14.24 1.17 14.61 10.94 0.21 1.57 1.90 1.42 0.90 Notes and loans payable: a b 93.87 Equity 20 Share capital: a Held by local credit unions: ii 21 Reserves ...................................... 22 Undivided earnings ............................ - 6.53 0.40 0.85 4.23 0.55 1.03 23 Total liabilities and equity ...... 100.00 100.00 100.00 100.00 100.00 100.00 101 . - 49 - TABLEAU 16. Bilans sous forme de pourcentages - Centrales, 1974 - fin S S Canada British Columbia SaskatAlberta chewan ColombieBritannique Northwest Terntories Dollar average - Terntoires du Nord-Ouest - Average of provincial ratio Moyenne Noyenne du provinciale dollar No per cent - pourcentage Passif Dép6ts: 11 Dépts S vue: 2.57 7.89 22.85 88.04 29.66 0.11 5.20 0.70 Depats S terme: Caisses locales: 44.66 32.85 0.41 71.38 8.96 80.69 88.23 30.45 21.17 79.67 88.04 2.46 3.45 0.20 0.37 0.24 0.85 0.03 0.04 3.84 2.90 4.37 88.31 70.15 Total .................................... d 12 1.09 1.52 0.19 0.09 0.01 0.19 1.39 1ntért ........................................ a 0.40 Cheques en circulation ......................... b 0.11 Provisions pour dividendes ..................... C -- ImpBt sur le revenu ............................ d 0.12 Autres effets a payer .......................... S 1.09 2.00 2.02 Total ........................................ f a payer: 13 4.57 0.66 0.01 1.28 1.14 -- Caisses locales ................................ a 8.91 Banques S charte ............................... b 7.83 Autres emprunts ................................ C 4.57 0.66 2.43 16.75 Total ........................................ d 8.39 0.23 - Obligations garanties ou non S long terme ........ 16 1.08 Autres éléments de passif ........................ 17 92.97 90.00 Total, passif .......................... 19 5.81 90.14 i 21.54 Terme initial de moms dun an ............. A 25.08 Terme initial de plus d'un an .............. B 4.38 Autres dépts S terme ........................ ii 1.44 Certificats hypothécaires ...................... c Billets et emprunts 5.81 b 14.01 40.37 2.69 0.77 Effets S payer: .lt a 15.96 Caisses locales .............................. i 0.20 Comptes des gouvernements .................... ii 1.55 Autres ....................................... 95.70 85.09 89.13 Avoir propre Capital-actions: 20 Détenues par les caisses locales: a 7.69 4.19 12.85 0.68 4.98 0.12 7.69 4.19 13.53 5.10 71 0.03 00 1.29 0.08 1.38 10.87 0.64 100.00 100.00 100.00 100.00 I Actions privilegiées ......................... 8.52 Actions ordinaires ........................... ii 0.24 Autres actionnaires ............................ b 8.76 Total...................................... C 0.99 Reserves ......................................... 21 0.25 Ilénéfices non rOpartis ........................... 22 100.00 Total du passif et de l'avoir oroore 23 - 50 - TABLE 17. Revenue and Expense Statement - Centrals, 1974 Prince Edward Island Newfoundland - n Nova Scotia New Brunswick F Québec I Ile-du-PrinceNouvelleNouveaufdo.ard Brunswick Ecosag I thousands of dollars - milliers do dollars TerreNeuve Revenues Dues and fees ............................................ 31 32 157 144 1.842 1,539 - 34 36 544 116 85 36 69 88 729 182 - - - 2,753 175 7,140 581 10.079 5.576 1.809 458 50,917 3.580 424 36 - Interest earned: a b d 33 Demand depoults ......................................... Tern deposits ........................................... Noo-nortguge le ..................................... ans Mortgage loans .......................................... Other Investments ....................................... Other interest earned .................................. . 10 157 .2 2 - 328 120 Dividends received: a 6 Local credit unions ..................................... Other ................................................... - - - - - - - - 34 Computer charges and data processing ...................... - - - - 35 Management tees ........................................... - 63 76 36 Rents ..................................................... .- 37 Cononiasions and discounts ................................. .- 39 Other revenue ............................................. 4 40 Total revenue ......................................... 179 4 10 160 1 - - - 1,440 4 622 12 126 391 59 1,234 - - 171 39 2,038 996 458 1.367 1,375 85,865 13.954 30 28 - Expenses Interest 41 a 6 42 on deposits: Demand deposits .........................................8 Term deposits ........................................... 12 R ebate of interest ........................... . ......... . 249 204 221 426 - - - 14.293 42,257 - - - - - 311 161 - - - - I Interest on loans: aLocal credit unions ..................................... Chartered banks ......................................... 4 6 Other ................................................... 80 43 Interest on losg-term bonds and debentures 44 Insurance .................................................7 45 Dues ...................................................... - 46 Personnel expenses: a 6 - Salaries. hosorarta, etc ................................ 26 Staff benefitg .......................................... 3 Di rec t o r s : and other official remuneration and expenses 1 Travel ................. . ...................... . ........ . - 47 Legal and other professional secvices ..................... 3 48 Occupancy: Rent: 1 Building rental .......................................3 iiEquipment rental ...................................... Depreciation: 6 I Nuildings ............................................. Equipment .............................................2 Repairs and maintenance ................................. Property and business taxes ............................. d Heat, power and water ................................... e 92 47 - 554 626 - - - 2 52 211 3 - 21 4 3,821 264 - 218 28 1 17 137 15 12 20 10,757 2,102 112 271 242 85 1,313 235 - 38 2 713 234 20 - a - - 5 5 - 10 21 3 - 23 79 21 187 18 11 18 69 41 7 12 11 2 4 320 3 272 8 73 659 29 12 - 17 9 19 5 818 396 275 454 82 920 - General axpeoses: 49 a b c d Stationery and supplies ................................. 2 Telephone and telegraph ................................. 1 Computer expenses ....................................... Promotional expenses .................................... 1 - - 30 - - 52 50 Provision for doubtful loans .............................. 15 51 Other expenses ............................................ 8 2 119 15 52 Total expenses ...................................... 176 401 1,302 1,158 53 Net intone before income taxes ............................ 3 65 217 54 Provision for income tax .................................. 60 - Net thtome .............................................. 3 - - 57 - 57 - 65 - - 217 7 1.246 79,999 1., 5,86h 35 5,831 S - SI - TABLEAU 17. Etats des revenue et dee dépenees - Centralee, 1974 Northwest Territories British Columbia SSSk.at Manitoba Alberta ColombieBritannique thousands of dollars Canada - - Territoires do Nord-Ouest go milliers de dollars Revenue 188 - 141 - - - - - 10,011 Cotisations de meabre, d'efflllatIon, d'entrBe ............ 31 Int8rt gagnB sor: 257 349 4,959 8,326 930 1,207 19,264 - 2,067 - 2,055 2,236 9,955 617 1.991 1 - - - - - - - - - - - 12 - - - 3,255 10,422 42,619 4.781 79.283 460 32 DepOts N woe .... ....................................... . a DipOta 1 tense .......................................... b PrRts non-hvpothicoires ................................ PrOts hypothOcairea ..................................... a Autrea placements ....................................... e Autres intCrBts gagnis .................................. I 33 Dividendes reçus: 69 - - 261 - 603 573 491 301 - 1,521 1.046 Caleses locales ......................................... a Autroa dinldendca reços 7 cospris dcc fillalea ..........B 1,490 Frais Imputes N l'ordinsteur ci l'infonsatique ............ 34 1 3.072 Frais de getion ci sutres Irais de service ................35 2 276 i.oyers ....................................................36 - 50 - 77 - 445 - - 1,757 Cossnissions at escomptes agne ...........................37 29 348 40 - - 3,665 Autres ....................................................39 8.902 28,429 6,222 162.612 Total des revenus ..................................... 40 3 4 15,857 41 IntCrOt sur depOts: 2 91 - • 22.684 - - 3.272 - 4,948 6,042 20.432 86,635 249 - - - DepOts N woe ............................................ a DepOts N tense .......................................... B Pistoarnea ..............................................C IntdrOt oar emprunts: 904 904 3,851 1,098 42 Caisses locales ......................................... a Banques N charte ........................................ b Autres ................................................. - - - - 880 - - - 863 84 - - - - - - - - 293 Assurance ................................................. 44 - 4,363 Cotisationa N NACCU at autrea affilIations ................45 • - 7 7 4 70 74 33 - 76 lotBrOt so.- obligations garanties Dépenses do personnel: 755 1,051 48 96 40 103 80 62 30 - 765 42 35 72 519 67 30 30 51 89 20 4 - 7 16,370 686 549 1,836 1.160 - 18 30 40 40 66 63 - - 41 13 9 1 16 14 24 - 5 37 10 34 15 65 18 156 103 209 170 63 65 28 464 107 - - 184 - - - - - 2 111 977 10 25.559 6,078 14,166 2,870 144 1.691 93 - 2,870 - 144 2 1 1 374 405 147 826 73 3 1 1.660 380 1,326 1,460 22 Provision poor prOts dosteus .............................. 50 1 3,144 Astres dCpenaes ........................................... 51 49 148.941 Total des dépenn:.n .................................. 52 45 13,671 Béndfice avant DepOt aur Ic 000,-no ........................53 55 ProvisIon pour 1mp5 sur le reveno ........................ 54 13,616 BCnCf ice net ............................................ 60 19 - - - - 66 43 20 - - 48 Loyer: a Loyer des bOtleen.................................... Loyrr do materiel . ................................... . ii Amortiasement: b Bitlnents ............................................ Materiel ....................................... ....... il Reparations et entretien ............................... Taxes fonctCres ci d'affaires, permis ................... d Chauffage, Cnergie électrique ci eao .................... e 332 366 - 1,671 46 9 - - 43 Service joridique St autres services prolesaionnels ....... 47 Dipenses gCnBrales: - non, A long terme Appointen.eots, honoralres, etc. ........................ . Avaniages sociaun ....................................... b Remunerations ci dCpenses dee cadres ................... DCplacenents ........................................... Habitation! 81 4 Os 45 49 Papeterle et foarnitures ................................ a Téléphone et tClCgraomea ................................ b DCpenses d'ordinateur .................................. DCpenses de promotion ................................... d - 52 TABLE 18. Coonoon-size Revenue and Expense Statement - Centrals, 1914 I Newfoundland Prince Edward island Terreleave ile-du-Prince9douard Nova Scotia New Brunswick Nouvelle9cosse NouveauBrunnvick Quibec I Ontario per cent - poarcentage Revenues 31 Dues and fees ...................... - - 11.49 10.47 - - 2.48 2.63 39.80 8.49 6.21 2.62 5.02 6.40 53.02 13.26 9.13 1 11.03 32 Interest earned: a Demand deposits .................. bTerm deposits .................... Non-mortgage loans ............... dMortgage loans ................... e Other investments ................ Other interest earned ............ 5.58 87.70 1.12 1.12 71.62 26.20 - 3.21 8.32 11.74 2.11 59.30 0.49 1.25 4.16 39.96 3.28 25.66 0.25 33 Dividends received: a Local credit unions .............. bOther ............................ 1.68 34 Computer charges and data processing - 4.46 35 Management fees .................... 2.24 - 4.61 5.53 0.14 2.80 36 Rents .............................. 37 Commissions and discounts .......... 39 Other revenue ...................... - 2.18 11.70 0.87 0.06 - - - 0.08 1.44 - 2.24 40 Total revenue .................. 100.00 - 12.51 2.83 2.38 7.15 100.00 100.00 100.00 100.00 4.47 6.55 18.22 16.09 30.98 6.11 14.92 6.70 16.65 49.21 67.90 11.78 6.69 2.23 3.42 44.69 0.65 0.73 3.30 1.87 3.78 0.25 0.02 0.29 4.45 1.89 12.53 0.13 0.28 15.06 1.94 0.61 - 100.00 Expenses 41 Interest on deposits: a Demand deposits .................. Term deposits .................... Rebate of interest ............... 42 Interest on loans: a Local credit unions .............. bChartered banks .................. Other ............................ 4'l. 43 Interest on long-term bonds and debentures. 44 Insurance .......................... 45 Dues ............................... 46 Personnel expenses: Salaries, honoraria, etc ......... b ltaff benefits ................... Directors' and other official remuneration and expense. dTravel ........................... 47 Legal and other professional services. 3.91 0.15 1.54 15.95 9.96 4.37 14.53 2.05 1.09 1.68 0.81 0.07 0.55 1.45 1.24 2.78 0.15 1.68 1.53 1.68 0.83 1.68 0.03 0.02 0.57 1.34 0.37 0.32 0.09 0.77 0.02 0.06 49 Occupancy! a Rent: j Building rental ................ it Equipment rental ............... b Depreciation: j Building ....................... it Equipment ...................... Repairs and maintenance .......... d Property and business taxes ...... 1.68 1.12 • Heat, power and water ............ 49 General expenses: a Stationery and supplies .......... b Telephone and telegraph .......... c Computer expenses ................ d Promotional expenses ............. 5D Provision for doubtful loans ....... Other expenses ..................... si 52 Total expenses ............... 53 Net intone before income taxes ..... 54 Provision for Income tax ........... 60 Net income ....................... 0.73 1.54 0.22 1.32 0.51 1.09 0.80 0.87 1.32 0.80 1.09 0.15 5.05 0.29 3.00 1.12 0.56 0.55 1.24 1.38 0.36 0.66 2.19 3.78 8.38 1.09 0.44 8.70 4.47 95.21 84.22 87.55 98.32 15.78 4.75 1.68 12.45 - 0.21 0.01 0.95 0.32 0.53 1.07 - 2.84 - 0.59 - 1.45 93.17 89. 6.83 10. 0.04 1.68 12.45 4.75 15.78 6.79 10.] - 53 - TABLEAU 18, ftats den revenus cc ddpenaes sous force do pourcentagea - Centrales, - S Manitoba 1974 Canada Suakatchewan British Colwnoia Alberta Northwest territories - - ColombieBritannique Territoirns do Bard-Quest Based on dollar values Based on average of provincial ratios Fond6a nor La valeur en dollar Fond6n nor inn moyennes orovinciale. NO pe cent - pource :tagc Revenus 2.27 2.11 2.89 3.92 55.71 10,45 13.56 - - 29.29 41.90 67.76 33.03 14.10 62.78 3.89 12.56 - 6.16 4,65 2.00 6.41 26.21 2.94 48.76 0.28 1.25 4.37 44.69 10.86 23.24 0.07 Cotinations de nevvbre, &affiii.tion, d'entr&e. 31 lntir&t gagni sur: 32 .. DepOts C van .....................a Dfplta C terse ..................... 6 Prts non-hypothCcairen ......... PrOts hypothétaires ................ d Autrea plaons.ent* .. ............. ..e Autrea intdrOts gagnCs .......... Dividendes recast - 0.0? 0.77 9.69 2.93 6.44 1.73 4.84 Caisses locales ...................a b Autrea dividendes reçon y cospria des (iiialon. - 0.94 0.25 - 0.92 1.71 Frais impatCn C l'ordinateur et linformatique. 34 1.89 3.49 Frala do gestlon et autres irais de service. 35 6.60 0.03 0.48 0.16 1.53 Layers ............................. 36 0.86 7,15 - 1.08 0.95 Consninaiona et e500mptea gagnés - 2.25 2.94 Autrea ..............................39 100.00 100.00 Total dea revenus ............... 40 0.33 1.22 0.64 105.00 100.00 100.00 100.00 37 Dépensea !ntCrts our d8p0tn: 79.79 52.59 31.20 38.10 - 12.56 53.28 0.15 9.92 38.21 0.28 0.56 2.37 0.68 0.32 11.80 5.12 IncCrOts nor emprunts: 3.18 - 14.14 5.85 5.44 0.53 - 0.08 0.02 0.06 0.79 0.26 0.53 0.48 8.48 0.54 0.45 5.70 0.34 0.36 12.30 0,68 0.56 3.27 0.42 0.19 0.90 0.22 1.16 0.19 0.82 0.56 0.34 0.91 0.04 0.14 0.14 0.29 0.48 0.42 0.40 0.06 0.05 0.08 0.08 0.59 0.16 0.55 0.12 0.46 0.17 0.10 0.24 0.01 - - 42 Caisaex locales ................... a Ranques C charto ..................b Autrea .......................... Intérta our obligations garancies 05 non C long terse. 43 - 0.18 0.83 Assurance .......................... 44 - 2.68 1.02 Cotisationa C NACCU et autrea afflhat ions. 45 Ddpensea do personnel: 46 - 10.07 0.42 0.34 10.02 0.89 0.39 1.13 0.84 - 0.71 0.88 - 0.20 0.23 0.50 0.40 - 0.23 0.25 0.09 0.51 0.24 0.54 0.37 0.69 - 0.04 0.36 - 1.02 0.23 0.82 0.90 1.05 0,29 1.09 1.19 - Appointesents, honoraires, etc Avantages nociaus ............... RémonCrations at dCpenses den cadres. Déplacementa .................... a ..b c ..d Service juridiqus Ct aatres 5crvices professionnels. 47 Habitation; 48 a Layer: Layer den bIt imenta ........... Layer do materiel ............. b Asaortinaement: Biiimrota ..................... Mt6rie1 ......................... ii RCparattona at ontretics ........ Taxes fonciOres et d'affaires, d persia. Chauffago, éoergie 1ectrique DCpenses géndralea: 0.73 0.20 1.75 1.16 41 DepOts 0 vue .................... ... .a DepOts 1 terse ..................... b Riatournes ...................... 49 Papeterie at fournitares........... a Téléphone et tdiCgramsen ........... b DCpensea dordinateur ........... lépnnnes do promotion .............. d 1.04 0.45 7.46 1.72 0.42 0.27 0.01 0.84 Proviaton pour prlts doateax 1.79 6.17 1.93 2.90 89.90 97.69 69.34 91.59 90.97 Aotrea dCpenaea .................... SI. Total den dépeoses ........... 52 10.10 2.31 10.66 8.41 9.03 Bénéfice avant impOt cur Is revena 53 0.03 0.02 Provision poe iplt Bar is ravens 14 8.38 9.01 0.74 0.60 0.22 - 1.16 0.13 10.10 2.31 10.53 - 50 Bénélice net ..................... 60 - 54 - a TABLE 19. Estimated Statements of Undivided Earnings - Centrals, 1974 Prince Edward Nova New Newfoundland Island Scotia Brunswick Terre- Ile-du-Prince- Nouvelle- Nouveau- I No. I I thousands of dollars - milliers de dollars 1 Balance at beginning of the year - 93 12 57 438 3,172 1,467 Add: 2 Net income from operations 3 3 Profit on sale or maturity of investments. 57 65 - 217 5,831 1,411 33 -49 1,094 -2 - 310 1,453 - 694 11 - 1,128 77 640 5,810 - - Deduct: 4 Transfers to reserves - 2 5 Dividends on aharea 14 6 Interest rebates - - 9 Other adjustments - - 10 Balance at end of the year ... - 104 - 46 56 - - 21 15 - 41 1, I TABLE 20. Estimated Statements of Reserve Accounts - Centrals, 1974 Pr ince Edward Nova Newfoundland island Scotia No. - Terre- lie-clu-Prince- NouvelleNeuve Edouard Ecosse thousan a of dollars 1 Balance at beginning of the year - New Brunswick - Quebec Ontario NouveauBrunswick milliers de dollars I 91 1761 272 13,785 1,173 Add: 2 Transfers from undivided earnings account. - 2 - 15 1,094 -2 3 Entrance fees and fines ........ - - - - 164 Deduct: 4 Current and other deductions 5 I Balance at end of the year - - 34 - 41 - 11 142 287 15,00 I - 55 - TABLEAU 19. Etats estimatifs des bénBfices non répartis - Centrales, 1974 S British Northwest Columbia Territories Alberta - - Canada Colombie- erritoires-duBritannique Nord-Ouest Saskatchewan I thousands of dollars 1 - rililiors de-1 dollars - I - - 215 329 - 5.167 Solde au debut do l'ann€e . 1 Ajouter: 1,392 2,870 86 144 - 1.671 - - - 45 13,616 70 - Bénéflee net des operations de 1 'année. 2 Bénéflees provenant de is vente ou de l'échéance d'obligations 3 Déduite: 445 - 1,025 190 - 1,427 8 103 - - 1.443 - 1,536 - - 25 41 - - 2,051 2,515 - - 1,364 Affcctations aux reserves - 5,970 Dividendes sur actions ...........5 - 702 Ristournes ..................... . 6 973 Autres deductions ............... 9 Solde des bénéfices non repartis B is fin de l'année. 10 55 10 - 11,790 4 I TABLEAU 20. Etats estimatifs des comptes de reserve - Centrales, 1974 Manitoba I British I Northuest Columbia Territories Saskat I I Alberta - - Conada chewan Colombie- erritoires du Britannique Nord0uest NO thousands of dollars - milliers de dollars 1,761 I 5,163 I 207 I - I - I 22,546 r Solde des reserves au debut de 1 Ajouter 190 = 1,364 Affectations provenant du compte 2 des bénCfices non répartis. = = 164 Droits d'insemption et amendes 3 Déduire: 8 —2 - - - 81 Prélévements faits et autres dé- 4 duct ions. 8 5,165 17 - - 23,993 Solde des reserves B is fin 5 de l'annBe. - TABLE 56 - 21. Assets, Liabilities. Revenue and Expenses, by Sine of Locals, 1974 ~ Prlace Edward New Newfoundland Island Nova Scotia Brunswick Québec I Terre- le-du-Prince- Nouvelle- Nouveau- Neuve tdouard cosoe Brunswick -le r of credit unions 3 1 38 I Si thousands of dollars - 333 . . milliers de dollars Ysset s: 2 Cash and demand deposits ................................. 3 Investments .............................................. 4 Personal and other cash loans ............................ 24 15 105 SMortgages ................................................ 6 Other assets ............................................. - 3 7 Total .................................................. 30 2,178 1.925 13,859 303 381 1,445 383 224 1.122 -9 26 47 23 13 .. 100 321 147 261 2.202 1.765 . . 18,383 8 Deposits ................................................. 9 Other liabilities ........................................ 10 Share capital ............................................ 11 Reserves ................................................. 12 Surplus .................................................. 20 8 101 66 75 120 42 129 1,390 13 Total .................................................. 147 - 240 - .. . . . . .. Liabilities: 204 . . - .. 653 330 15,538 792 1,070 .. 18,383 16 - 2 - 93 26 1,865 Ill 103 261 2,202 1,765 18 155 27 9 114 24 7 .. . . .. Revenue: 14 Loan interet s ............................................ 15 Interest on investsen.................................... 16 Other .................................................... 10 1 2 17 Total .................................................. 13 18 191 145 2 I 2 19 1 15 25 . . - . . 1,383 164 102 . . 1,649 . . . . Expenses: 20 Salaries ................................................. 21 Other expenses ........................................... 1 2 2 6 24 1 28 39 . . 25. 22 Total .................................................. 6 II 92 60 .. 64' 23 Net income ................................................. 24 Dividends on shares ........................................ 25 interest rebates for the year .............................. 26 UndIvided surplus ........................................ 7 6 1 99 85 68 5 12 .. 18 Insurance ................................................ 19 Interest on deposits ..................................... 7 6 - - 1 - - 99 . . .. . . .. 927 137 -81 $100,000 to $249,999 21 27 Number of credit unions .................................... - 28 thousands of dollars - 23 1 308 mllllers de dollars Assets: 28 Cash and demand deposits ................................. 29 Investments .............................................. 30 Personal and other loans ................................. - - 22 234 - 344 645 3,394 429 432 2,757 31 Mortgages ................................................ 32 Other assets ............................................. - - - - 453 102 174 45 33 Total .................................................. 256 - 4,938 3,837 - 332 62 - 4.009 175 136 3.213 313 . . 4,690 5,380 .. 38,804 .. . 1,685 623 . . 51,182 .. Liabilities: 34 Deposits ................................................. 35 Other liabilities ........................................ 36 Share capital ............................................ 37 Reserves ................................................. 38 Surplus .................................................. 9 29 209 9 - - - 268 267 39 Total .................................................. 256 - 4,938 - . . 4,673 1,142 40,431 1,794 3,142 3,837 ,. 51,182 - .. .. . . .. Revenuet 40 Loan interest ............................................ 41 Interest on investments .................................. 42 Other .................................................... - .. - 416 45 13 274 58 2 16 . . 4,138 498 180 43 Total .................................................. 28 - 474 348 . . 4,816 2 - 42 6 36 44 26 - .. Expenses: 44 Insurance ................................................ 45 Interest on deposits ..................................... 46 Salari'o ................................................. 47 Other eupensen .......................................... 4 5 - 57 11 61 76 48 Total .................................................. 12 - 205 128 49 Net lb 12 4 - 269 - - - - - 269 220 153 13 54 income ................................................. 50 DivIdends on slmree ....................................... 51 Interest rebates for the year .............................. 52 Undivided surplus ........................................ - - - .. . . 24 . . .. .. . . . . .. .. 1,84 2,964 2,585 429 -46 S - 57 S TABLEAU 21. Actif, passif, ravenos at d8penses, suivant l'lmporcance des locales, 1974 S British Northwest Columbia Territories ...katchewan Alberta - - Canada Colombie- Territoires du Britannique Nord-Ouest 251 lOj Nombre de caisses d'dpargne et de credit ................... 501 ..I thousands of dollars - milliers do dollars Ac t if 187 177 903 38 116 260 22? 455 1,858 99 —27 46 7 137 1,339 467 2.677 28 - 34 Encaisse et d6p6ta C rue ...................................2 Place em nt ..................................................3 PrBts personnels et autres pr€ts sur reconnaissance de 4 dette. Hypothiques ................................................5 Autres ilCsents d'actif ....................................6 Total ....................................................7 Passif: 1.228 51 12 46 2 64 65 316 21 1 261 213 2,001 73 129 1.339 467 2,677 115 22 5 28 9 1 201 26 9 142 38 236 -- 6 17 11 D6p6ts .....................................................8 Autrea H1.énenta do panaif ..................................9 Capital social ............................................LU Reserves ..................................................11 Bdn9fires .................................................12 34 Total...................................................13 Revenua: tntér$t nor prOts .........................................14 IntCr6t our placements....................................IS Autres....................................................16 Total ...................................................17 Dépenses: 29 26 Assurance.................................................18 Incfr0t our depOts ........................................19 Appointeseota .............................................20 Autres dCpensea ...........................................21 26 1 11 15 126 94 10 22 Bdnff ice net ................................................23 Dividendes sur parts sociales ...............................24 Ristournes pour l'annde .....................................25 8€Cf ices non rfpartis ....................................26 5 S 7 -- - —4 9 -, Total ...................................................22 $100,000 1 $249,999 I 1 10 42 1 24 1 Noinbre de caisson d'Cpargne et de crfdit ....................27 thousands of dollars - silliers do dollars Actif 106 484 949 297 22 1,658 255 1,386 5,291 - 73 7,005 Encaiane et d$pOts B vue ...................................28 Placement .................................................29 PrOts persoonela ci autres prOtn nor reconnaissance de 30 det te. HypothOques................................................31 Autres ClCnents d 'actif ...................................2 .3 Total...................................................33 Paaaif: • 310 93 1.383 70 2 729 323 5,373 190 390 1,858 7,005 DepOts ....................................................34 Aotres Cléments du passlf .................................35 Capital social ............................................36 Re serves ..................................................37 BAnCf ices .................................................38 Total................................................... .39 Rowena. • . 112 41 6 569 63 33 159 665 IntCrOt sur prOts ..........................................40 IntfrUt Soc placements ....................................41 Autres ....................................................42 Total...................................................43 DCpensea . •• 20 16 31 12 74 61 77 61 79 273 Total ...................................................48 392 298 31 63 Bfnif icenet ................................................49 Dividendea sur parts sociales ...............................50 Ristournes pour VannCe .....................................51 Benéf Ices non rApartis ....................................52 80 76 1 3 Assoranee .................................................44 IntUrOt our depOts ........................................45 Appointements .............................................46 Autres dipenses ...........................................47 - 58 - I TABLE 21. Assets, Liabilities. Revenue and Expenses, by Sine of Locals, 1974 - Continued Prince Edward New Newfoundland Island Nova Scotia Brunswick - - - - Quebec tie-au-PrinceNouvelleNouveauTerretdouard Ecosse Brunswick Neuve No. $250,000 to $499,999 - 1 Number of credit unions ..................................... 2 f 3 29 20 .1 201 thousands of dollars - milliers de dollars Assets 2 3 4 Cash and demand deposits .................................. 18 investments ...............................................13 Personal and other caah loans ............................. 563 5 6 Mortgages ............................... . ................ Other assets . ............................................ 7 101 13 945 506 501 5,760 1,140 1,207 6,457 4,964 5,913 56,599 . - - . - 12 503 151 2,609 132 4.748 1,259 1.071 7,421 11,545 73,483 11.990 2,004 53,156 2,240 4,093 Total ................................................... 594 Liabilities: 8 9 10 11 12 Deposits ......... ... ..................................... . Other liabilities ......................................... 24 554 Share capital ............................................. Reserves .................................................. 15 Surplus ...................................................1 150 346 562 9 4 1.346 303 5,293 203 276 840 468 9,381 856 13 Total ................................................... 594 1 1 071 7,421 11,545 73,483 Loan interest ............................................. 34. interest on investments ................................... 11 Other ..................................................... 13 107 2 4 694 28 31 778 162 46 5.913 464 273 Total ................................................... 58 113 753 986 6.650 77 30 184 209 116 74 126 129 - Revenue: 14 15 16 17 Expenses: 18 19 20 21 Insurance ................................................. 3 Interest on deposits ...................................... Salaries .................................................. 11 Other expenses ............................................ 2 9 7 20 50 22 Total ................................................... 16 86 500 445 23 24 25 26 Net income .................................................. 42 Dividends on sharsa ......................................... 38 lsterest rebates for the year ............................... 8 - 4 Undivided surplus ........................................ . 27 21 253 541 439 14 88 - - 6 253 C - 178 $500,000 to $999,999 27 Number of credit unions ..................................... .... 2 2 16 21 thoussnds of dollars - milliers do dollars Assets: 830 1,506 8.492 905 2,861 6,945 6,821 9,808 79.169 11 763 360 3,086 81 12.375 2.317 1,370 1,321 11,951 13.878 110.490 Deposits .................................................. Other liabilities ......................................... Share capital ............................................. Reserves .................................................. Surplus ................................................... .. 319 ... 82 ...874 ... 83 ... 12 323 523 464 3 8 1,637 430 8.988 399 497 3,140 843 9,048 847 26,809 3.294 71,654 3.448 1,285 Total ................................................... 1,370 1,321. 11,951 13.878 110.490 28 29 30 Cash and demand deposits .................................. tnvestaents ............................................... Personal and other cash loans ............................. .... 2 ... 96 .. 958 31 32 Mortgages ................................................. Other assets .............................................. .. 279 ....35 33 Total ................................................... 141 102 1,067 - Liabilities: 34 35 36 37 38 39 - Revenue: 40 41 42 Loan interest ............................................. Interest on investments ................................... Other ..................................................... 125 .. 4 . 20 117 1. 995 1.08 40 1,063 112 82 8,201 532 429 43 Total ................................................... 149 121 1.143 1,257 9,162 Insurance ................................................. Interest on deposits ...................................... Salaries .................................................. Other expenses ............................................ .8 12 27 11 9 9 19 56 115 47 248 216 130 106 189 193 Total ................................................... 58 93 628 618 Net income .................................................. DIvidends on shares ......................................... Interest rebates for the year ............................... Undivided surplus ......................................... 91 59 20 12 28 22 517 639 464 22 153 - Expenses: 44 45 46 47 49 50 51 52 - - 6 517 C 60? - 566 - 59 - TABLEAU 21. Actif, passif, revenun et dépennea, outcast l'iisportance des locales, 1974 - suite S I British Horthoest Columbia Territories suskatchewan Alberta - Canada I Coloebie-. Terrltoireo do Britannique Nord-Ouest 91° $250,000 B $499,999 15 28 18 1 Nombre de caisses d'8pergne cc de credit .................... . thousands of døllars - mullets do dollars Att if 190 1,320 2,661 434 1,652 8,112 849 120 5,140 10,330 .. 26 .. . . - . . 275 .. . - .. - .. 132 .. 1 . . . 302 .. Encalase at diplts B vue .................................. Placement ................................................. PrUts personnela et autrel pr8ts our reronnaisaance de dette. llypothNquen ............................................... Autres CiCmentn doctif ................................... 4 5 6 Total ................................................... Possif 2,250 394 2,316 164 16 2,508 548 6,507 280 487 .. .. .. .. 251 37 12 1 1 5,140 10.330 .. 302 .. . . . . . . . .. .. ll8p8ts .................................................... Autres O18mentu do pasoif ................................. Capital social ............................................ Riserves .................................................. B8n6f ices ................................................. 8 9 10 11 12 Total ................................................... 13 Revenuat 306 125 11 914 83 58 . . 21 .. - . . 1 .. .. .. 442 1,055 .. 22 .. intir7t nor pr$tu ......................................... lntdrlt our placements .................................... Autres .................................................... 14 15 16 Total ................................................... 17 Dépenses: 47 101 75 46 • . 95 171 175 129 .. .. .. 9 4 6 269 570 .. 19 173 134 10 29 485 311 57 117 .. .. .. - 3 2 . .. Assurance ................................................. lotCrUt our dCp6ts ........................................ Appointements ............................................. Autres d8penseu ........................................... 18 19 20 21 . . Total ................................................... 22 Bdn4flce net ................................................ Disidendes sur parts socialea ............................... Rintournes pour l'annBe ..................................... RCnif ices non rCpartia .................................... 23 24 25 26 Nombre do caissnu d'ëpargne et de cr6dit .................... 27 . . . . .. 1 .. .. .. 23 1 .. .. .. .. 174 2 465 .. .. .. - .. - $500,000 B $999,999 27 301 19 thousands of dollars - milliera do dollars Act if: 2,662 2,795 9,261 1.056 8,448 6,806 577 2,201 10,682 6,712 185 4,714 831 - .. 394 . . 3 21,615 21,855 13,854 . . 644 28 29 30 .. .. Encaisse cc depOts B vue .................................. Placement ................................................. Prlts personnelo cc autreo prts our reconnaissance de dette. HypothRques ............................................... Autreo ClCments dactlf ................................... .. Total ................................................... 33 31 32 Passif: 19,802 1,631 79 55 48 11.315 1,388 8,548 522 82 4,464 547 7,491 375 577 .. .. .. .. .. 574 31 35 2 2 .. .. .. 21,615 21,855 13,854 . . 644 .. . . . DepOts .................................................... Autres ClCments do pasnif ................................. Capital social ............................................ Reserves .................................................. Bdn$ftcen ................................................. 34 35 36 37 38 Total ................................................... 39 Revenus: 1,549 302 71 927 803 74 1.107 124 59 -. 26 .. - .. 1 .. tnter0t our prRts ......................................... Int8rRt our placements .................................... Autrea .................................................... 40 41 42 1,922 1,804 1.290 .. 27 .. Total ................................................... 43 27 00 41 91 216 217 181 .. - ., .12 132 453 312 221 -. -. .. 13 7 3 .. .. 40 1,118 705 .. 23 . . IS 686 508 31 147 585 456 69 60 -. -. 4 2 .. .. .. .. . . . Dépenses: • - 18 . . .. - 2 . Assurance ................................................. intCrli cur depOts ........................................ Appointesents ............................................. Autres dépenses ........................................... 44 45 46 47 Total ................................................... 48 BénCfire net ................................................ Dividesdea surparts soriales ................................ Rtatournes pour lannCe ..................................... Bdnéfices non ripartis .................................... 49 50 51 52 -641- TABLE 21. Assets, Liabilities, Revenue and Expenses, by Sine of Locals, 1974 - Continued I Prince Edward New Newfoundland Inland Nova Scotia Brunswick - - - - Québec Terre- ile-du-Prince- Nouvelle- NouveauNeuve douard cosse Brunswick $1,000,000 to $2,499,999 Nanber of credit unions .................................... 6 - 1 11 1 29 149 thousands of dollars - mutters do dollars Assets; Cash and demand deposits ................................. Investaents .............................................. Personal and other loans ................................. 823 419 10,103 - 1,576 1,204 11,560 2,149 4,432 21,764 13,373 20,331 150,517 -. - - 64 1,833 582 12,587 687 43,118 6,575 - 11,409 16,755 41,619 234,214 4,268 921 10,504 532 530 11,6617 1,907 25,708 2,344 - 4,223 2,975 4,134 47 27 90,760 8,298 120,403 5,131 9,622 - 11,409 16,755 41,619 234.214 Loan interest ............................................Interest on investments .................................. Other .................... . .............................. . 1.161 26 24 1,549 80 61 2.907 468 291 18,385 1,257 1,005 - 1,211 1,690 3,666 20,647 Insurance ................................................Interest on deposits ..................................... Salaries ................................................. 016cr expenses ........................................... - 80 203 197 446 150 188 353 450 365 354 485 615 Tot;:1 .................................................. - 926 1,141 1,819 Net income .. ............................................. . Dividends on shares ........................................Interest rebates for the year .............................. Undivided surplus ........................................ - 285 272 12 1 549 1,847 1,399 61, 382 Mortgages ............................................... . Other aaseta ............................................. Total .................................................. Liabilitien: Deposits ................................................ Other lishilitlea ....................................... .. Share capital ............................................ Rnserves ..................................... ........... . Surplus .................................................. Total .................................................. .- -. .- - Revenue: Total ............................. . ................... . Expenses: 2 - 549 4. II. 0, 932 -155 $2,500,000 to $4,999999 Nber of credit unions .................................... I 2 - 9 thousands of dollurs - milliers do dollors Assets; 2 2 3 Cash and demand deposita ................................. lnveaonenta .............................................. Personal and other cash loans ........................... . 3 3 Mortgages .. ............................................. .... Other assets ............................................. ....34 3 Total .................................................. .11 242 2. 864 3,151 295 456 4,995 1,372 2,942 14,373 15,548 24,356 148,722 - 151 81 8,403 761 65,900 11,212 - 5,978 27,851 265.738 10,276 1.043 14.802 1.730 135.870 14.135 102,871 5,054 7,808 - - Liabilities: 3; 3 3; 3 3 3: Daposita ................................................. 1,238 Other liabilities ........................................ ...144 Share capital ............................................ 1,762 Reserves . ............................................... .. Surplus .................................................. ..7 - 2,580 148 2,855 196 199 . ..15 1 - 5,978 27,851 265,738 Loan interest ............................................ Interest on thvestments .................................. Other.................................................... 318 .2 55 - 617 30 lb 2,188 266 126 18,415 1,296 1,324 Total .................................................. 375 - 663 2,580 21,035 - 62 160 127 111 209 453 370 425 - 460 1,457 - 203 - - - - - 203 1,123 731 43 349 Total ................................................. - - Revenue: 41 4 4: 4, - Expenses: 4 41 4: Insurance ................................................ Interest on deposits ..................................... Salaries ................................................. Other expenses ........................................... 7 54 62 90 41 Total .................................................. 213 41 Sc 5: 5: Net income ................................................. 162 Dividends on shares ........................................ 129 tnteresl rebates for the year .............................. 25 Undivided surplus ....................................... . .. - 16. 4,3?, 1,151 -905 C - 61 - S TA5LEAIJ 21. Actif, passif, revenue at d€penees, suivant l'tmportance des locales, 1974 - suite British Northwest Coluabia Territories -iskatchowan Alberta - - Canada Colombie- Territoirea do Britaunique Nord-Oueat $1,000,000 8 $2,499,999 85 1 35 1 - .. ,, .. .. - .. -. .. .• 25 Nu,nbre do caisses d'8pargne at de credit ................... thousands of dollars - milliera do dollars Astif • . 4,256 57,961 40,339 2,849 9,058 42,206 36,044 6,327 3,572 . , - -. -. 144,927 57.685 .. - .. - Encaisse 64 d6p8ts 8 vue ................................. Placencnt ................................................ Prlts persunnels at autres pr0ta Soc reconnaiaoancc de dot to Hypoth6ques .............................................. Autrea 011ments d'actif .................................. 3 4 S 6 Total .................................................. Paaaif -. .. - 57,685 . 6,029 5,173 399 4,509 571 278 11,601 5,358 8 .. .. DepOts ................................................... Aotrcs Olémeots du pass1.1 ................................ Capital social ........................................... R8serves ................................................. BOnCfices ................................................ 10 ii - .. Total .................................................. 13 .. .. .. - .. .. .. Int0rOt nor prOts ........................................ IntêrPt sue placuaanta ................................... Autres ................................................... 14 .. - .. Total .................................................. 17 28,992 3,319 22,422 1,563 1,389 .. .. 144,927 85.180 11,781 44,317 3.081 568 . . . . . 9 12 Revenus: 15 16 Dépenses: Assurance ................................................ IntCrPt sac d6p8ts ....................................... Appolnteaents ............................................ Autrea depanses .......................................... 18 19 20 21 .. Total .................................................. 22 .. .. ,. BOnéfice not ............................................... Dlvldeodos sur parts sociales .............................. Ristournes pour launCe .................................... BCnOfices non repartls ................................... 23 24 25 26 24 17 601 of dollars ,uilllars de dollars thousands .. I4oabre do caianes d'Cpargne et de credit ................... 27 .. .. .. - . . 680 • 3,942 1,723 1,438 410 1,662 1.013 1,027 .. .. ,, .. - 7,783 4,112 .. - 3,818 2,568 264 986 1.246 989 180 77 .. .. .. .. - .. .. .. .. . . $2,500,000 8 94,999,999 1 Ac t if 5,630 84,976 48,016 3,363 7,670 43,408 57,411 8,241 2,794 .. - .. .. 204,274 57,235 .. - .. - .. .. Encaisse at d6p6ts 8 cue ................................. Placesent ................................................ FrIto personoels at uutres prlta aur reconnaissance de dette. RypothOques .............................................. Autres ilésents d'actif .................................. 28 29 30 Total .................................................. 33 31 32 Pasaif: • . • . 124,728 15.631 58,643 4,694 578 34,526 2,637 17,158 1,551 1,363 .. .. .. .. .. - .. .. 204,274 57,235 .. - .. . . .. .. D6p8ts ................................................... Autrea OlCmeots do psasif ................................ Capital social ........................................... Reserves ................................................. RenéE ices ................................................ 54 35 36 37 38 Total .................................................. 39 Revenus: • . 8,620 7,404 472 4,634 452 321 .. . . .- 16,496 5,427 .. - .. .. .. .. .. IntCrCt our prlts ........................................ IntOrlt sur placesents ................................... Autren ................................................... 40 Vots1 .................................................. 43 Al 42 Oépensea: 896 6,735 2,071 1 ,760 264 2,141 900 848 .. .. .. .. - . . . . . . .. Assurance ................................................ IntOrlt our depOts ....................................... Appointesenta ............................................ Autrea dCpeoses .......................................... 44 45 46 47 11,462 4,133 .. - .. Total .................................................. 48 5 ,034 3,436 374 1,224 1,274 953 212 109 .. .. .. .. - .. .. .. .. Bénéfice net ............................................... Dividendea our parts aociales .............................. Riatournea poor l'annde .................................... Bénéf ices non répartis ................................... 49 50 51 52 - 62 - TABLE 21. Assets, Liabilities. Revenue and Expenses, by Sire of Locals, 1974 - Continued Prince Edw3rd New Newfoundland Island Nova Scotia Brunswick - - - - Qu8bec Terre-Neuve 2 le-du-PrinceNouvelleNouveauEdouard tcosse Brunswick No. - $5,000,000 to $9,999,999 ISomber of credit unions ..................................... - - 1 I 45 i 2 thousands of dollars - milliers de dollars Assets: 2 3 4 Cash and demand deposits .................................. lovestsents ................. . ............................ . Personal and other cash loans ............................. - 909 740 9,201 111 537 3,846 17,298 35,606 139,059 5 6 Kortgages ................................................. 3ther assets .............................................. - - 1,360 423 804 86 111,902 10,055 7 Total ...................................................- - 12.633 5,444 313,920 Deposits ........ . ........................................ . Other liabilities ......................................... Share capital ............................................. Reserves ................................... . ............. . SurpluO ...................................................- - 2,557 57 8,892 506 621 2,686 129 2.280 349 186,018 13,040 99.725 7,080 8,057 Total ...................................................- - 12,633 5,444 313,920 Liabilities: 8 9 10 11 12 13 - Revenue: 14 15 16 Loan interest ............................................. Interest on investnento ................................... Other ..................................................... - - 1,112 55 77 488 36 32 21,495 1,781 1,689 Li Total ...................................................- - 1,244 556 24,964 lo r urance .......................................... .......Interest on deposits ...................................... Salaries .................................................. Other expenses ............................................ - - 164 103 210 196 41 118 85 146 1. 9, 22 Total ................................................... - - 623 390 18,: 23 24 25 26 Net income .................................................. Dividends on shares ......................................... Interest rebates for the year ............................... Undivided surplus ......................................... - - 621 166 121 6. Expenses: 18 19 20 21 - :19 674 - 45 810.000,000 to $26,999,999 27 Number of credit onions .................................... - 1 - 1 thousands of dollars - nilliers do dollars Assets: 28 29 30 Cash and demand deposits ................................. Investments ............................................... Personal and other cash loans ............................. - - 1,001 2,682 29.799 - 15,511 40,741 133.755 31 32 Mortga$es ......................... . .......... . ........... . Other assets .............................................. . - - 5.899 1.395 - 106,258 1,304 33 Total ................................................... - - 40,776 - 303.569 - - 24.779 3,853 10,847 744 553 - 192,749 12,169 85,750 4,845 7,456 - 40,776 - 303,569 - 6,101 62 281 - 17,430 1,637 1,284 20,351 Liabilities: 34 35 36 37 38 Deposits ................................... . ............. . Other liabilities ........................................ Share capital ............................................ Reserves .................................................. Surplus ................................................... 39 Total .................................................. - Revenue: 40 41 42 43 Loan interest .... ........................................ .Isterest on investmeots ................................... Other ..................................................... . - - 4,444 - Insurance ................................................. tnterest on deposits ...................................... Salaries .................................................. Other expenses ............................................ - - 231 1,909 605 1,008 - 4, 691 - 2,444 655 2,651 Total ....... . .......................................... Expenses: 44 45 46 47 48 Total .................................................. ... 49 Net income .................................................. Dividends on shares ......................................... 50 SiInterest rebates for the year ............................... Undivided surplus ......................................... 52 - - - - 63 - TABLEAU 21. Actif, pasaif, revenua at dNpenmes, suivant l'i.portance des locales, 1974 - suite British Northweat Colombia Territories - Canada ..skatchewan Alberta Colombie- Territolrea do Britannique Nord-Oucat W 24 1 Nombre de caisaeo d'dparBfle at de credit ................. 15 thousands of dollars - 21r milliers de dollars - Actif: 6,106 59,373 43.625 • . 3,686 14,333 80,118 .. - .. - .. - Enraiaae et d6p&ts I we ............................... Placement.............................................. 3 Price personnels et autrcs prits our reconuai;s.ncc de dette. HypothNqsea............................................ Aotres Nlfments d'octif ................................ 6 55,162 7,031 4,195 171,297 102,332 102,068 9,817 55,009 4,144 259 65,654 6,771 25,749 2,773 1,385 .. - .. - .. - 171,297 102,332 .. - 8,213 5,532 378 8,684 889 443 .. - .. - Intent aur price ...................................... 14 Intent sur placem..ntS ................................. 15 Autres ................................................. 16 14,123 10,016 .. - Total ................................................ 17 758 5,718 1,737 1,455 758 4,485 1,362 1,876 9,668 8,481 4,455 3,121 267 1,067 1 1 535 1,024 249 262 - Total ................................................ Pasaif: • . • . DNpits................................................. 8 Autrea flfmeots do passif .............................. 9 Capital social ......................................... 10 Reserves ............................................... 11 12 B6n8ficea .............................................. Total ................................................ 13 Revenue: Dpensea • . . • $10,000,000 B thousands of dollars - .. - .. - Ass urance .............................................. 16 Intent our depets ..................................... 19 Appotnteaents .......................................... 20 Autres dépensea ........................................ 21 .. - Total ................................................ 22 .. - .. - B6n7fice net ............................................. 23 Dividendes our parta aoclales ............................ 24 Ristournes pour l'annfe .................................. 25 Bfnéficco non r8partis ................................. 26 - Noabre de caiases d'fpargne at de crCdit ................. 18; $24,999,999 24 6 11 .. - milliers de dollars Act If • . • . • . 3.443 64,538 39,002 1,833 12,805 78.001 .. - .. - .. - .. - 67,305 7.757 3,955 182,065 96,594 114,878 16,026 46,821 4,064 256 75,580 7,359 10,043 2,617 995 .. .. - 182,045 96,594 .. - - Encaisse et dipOts B we ............................... 26 29 Placement .............................................. Pnito peraonnels at autrea prits our reconnaissance de 30 dette. HypothNquea........................................... 31 Mitres Cl*soots d'actif ................................ 32 Total ............................................... 33 - - Paaaif: DepOts................................................ 34 Autnes 618mnnts du passli ............................. 35 Capital social ........................................ 36 Riservea .............................................. 37 BCnfficea ............................................. 38 Total ............................................... 39 Revenus; • . 8,893 5,602 530 8.093 970 320 .. - •. - .. - Intent our prita ..................................... 40 Intent our placements ................................. 41 Autnen ................................................ 42 15,025 9,383 .. - Total............................................... 43 D8penaes: 742 6,978 1,808 1,679 226 5,530 1,564 1.068 • 11.207 8,388 • 3,818 2,540 396 882 995 422 27 546 • . • .. - Assurance ............................................. 44 Intf rOt sun depOts .................................... 45 Appointementa ......................................... 46 Autres dépenoes ........................................ 47 Total ............................................... •. - .. - .. - .. - 48 BCnéfice net ............................................ 49 Divldendeu our parts socialea ........................... 50 Riatournea pour l'année .................................. 51 BCnNf ices non rdpartis ................................. 52 -64- TABLE 21. Assets, Liabilities, Revenue and Expenses, by Size of Locals. 1974 - Concluded Prince Edward New Newfoundland Island Nova Scotia Brunswick Qufbec Terre- Ile-du-Prince- Nouvclle- NouveauNeuve Edouard fcosse Brunswick $25,000.000 and over Number of credit unions ..................................... 11 - - - thousands of dollars - milliers dc d ,llars Assets: Cash and demand deposits .................................. investments .............................................. . Personal and other cash loans ... ......................... . 6 - - - - - - - Mortgages .. .............................................. . Other assets .............................................. Total 13,791 69,902 180,762 - - - .- - - - - 166.491 12.121 - - - - 443,067 - - - - - ................................................... - - - Liabilities: B 9 10 11 12 13 Deposits .. ............................................... . Other liabilities ......................................... Total - - - - 266.196 8,428 145.141 8,437 14.865 - - - - 443,067 - - - - - - - - - - - - - - - Share capital .. .......................................... . Reserves ............ . .................................... . Surplus ................................................... ................................................... Revenue: 14 15 16 17 Loaninterest ............................................. Inteest on Investments .. ................................ . r . Other .................................................... Total ................................................... .. - - - 34,240 1.173 5.770 - - - - 41,183 Expenses: 18 19 20 21 22 23 24 25 26 i nsurance ................................................. i nterest on deposits ................................. .... . SalarIes .................................................. Other expenses .. ......................................... . Total ................................................... Netincome .................................................. Dividends on shares ........ . ............................... . i nterest rebates for the year ............................... IJndlvided surplus ......................................... - - - - - - - - - - - S .- - - - - - - - - - - - - - - - - - - - 1.413 - 519 - - - - L TABLE 22. Local Credit Unions, by Type of Association, 1974 Prince Edward New Newfoundland Island Nova Scotia Brunswick Type Terre- Ile-du-Prince- Nouvelle- NouveauNeuve tduuard tcosse Brunswick ___________ number - sombre Ontario(l) ___ Residential: 1 2 3 Rural ..................................................... 30 Urban .....................................................6 Other ..................................................... 2 4 Total ................................................... 36 - 52 41 81 22 11 - - .. .. .. 130 65 82 14 93 103 .. 277 - 29 - 27 4 1 - .. .. .. .. 601 29 20 137 29 32 . . 787 - - . . 53 3 Occupational: 5 6 7 8 Employer .................................................. 7 Profession ................................................ 2 Trade union ............................................... Other ..................................................... - 9 Total ...................................................9 Associational: 10 11 12 13 14 Racial .................................................... RelIgious ................................................. Fraternal ................................................. Co- operatIve .............................................. Other ..................................................... - - 15 Total ...................................................- - 16 ?1T Crand total ........................................... 45 c.xcludts Inactive credit unions. 14 5 8 - - 127 146 .. 3 - S 11 - 65 - S TABLEAU 21. Actif, passif, revenus et dépanses. suivant l'importance des locales, 1974 - fin British Columbia ;katchewan kiberta Northwest Territories - Canada - ColobieBritannique Territoires du Nord-Ouest $25,000,000 at plus 7 1 thousands of dollars 10 - - .. - .. .. .. Nonbre do caisses d'épargne et de cr8dlt ....................... 1 milliera de dollars Act if: • . 6,372 79,448 61.794 707 5,050 38.288 144,347 10,719 11,292 302,680 45,337 - .. ,. .. - .. - .. .- - . . .. - .. - Encaisse at d8p6ts B vue ..................................... 2 Placement .................................................... 3 Prfts personnels at autres prBts nor reconnaissance do 4 dette. Hypothiqoes .................................................. 5 Autres dlémentn d'actif ...................................... 6 Total ......................................................7 Paseif: • . 197,332 17.094 80.968 6,674 612 36,629 3,1)6 3,878 1,238 61.6 . . - . . . . - . . .. •. .. - - .. .. .. 302,680 45.337 .. - . - DepOts ...................................................... 8 Autres OlOmentn du passif ...................................9 Capital social .............................................. 10 Rfserves .................................................... 11 BénCfices ................................................... 12 Total .....................................................13 Revenues: 17,106 7,042 841 3,464 369 446 . . - . . .. .. - . . - .. 24,989 4,279 •. - .. IntérOta our prfts .......................................... 14 InterIm our placements ..................................... 15 Autren ...................................................... 16 Totol .................................................... 17 DIpenses: 1,263 12,070 3,536 .3.058 161 2,214 784 447 .. .. .. •. - .. - . . - .. .. • 19,927 3,606 .. - .. 5 ,062 • 4,015 159 888 995 227 110 658 . . - . . .. •. .. - • .. .. - .. Assurance .................................................. 18 Intérlts nor depOts ......................................... 19 Appointements .............................................. 20 Antres d6pensos ............................................ 21 Total .................................................... 22 BCndfice net ................................................. Dividendes our parts sociales ................................ Ristournes poor l'annCe ...................................... BCnéf ices non répartin ..................................... 23 24 25 26 TABLEAU 22. Calsses locales d'Cpargne at do cr8dit, par genre d'association, 1974 British Northweat Columbia Territories Manitoba Saskatchewan Alberta - - Canada Colombia-Territoires du Britanotqae Nord-Guent Genre No number - noobre Lieu do residence: 203 13 82 30 - - .. .. .. 216 112 ,. , . . . •. .. •. •. .. •. Rurol ........................................................ 1 Urbain ....................................................... 2 Autre ........................................................ 3 Total ..................................................... 4 Profession: 23 2 82 2 - - - 25 . . . . .. .. . . .. - .. .. .. . . .. .. 84 .. •. .. Enployeur .................................................... 5 Profession ................................................... 6 Syndicat ..................................................... 7 Autren ...................................................... 8 Total ...................................................... 9 Association: • • S7 6 9 10 •. .. . . .. •. .. - - . . . • - - .. .. .. Ethnique ................................................... 10 Religieuse ................................................. 11 Motuelle ................................................... 12 Cooperative ................................................ 13 Autres ..................................................... 14 11 26 •. .. •. Total .................................................... 15 252 222 .. .. .. Total gCnOral .......................................... 16 L i- coo et de credit L inopérantes nont encldes. .. .. . . . . - 66 - rABLE 23. Loans Made - Locals, 1955-1974(1) I - Prince Edward Island Newfoundland he-do-Prince- TerreNeuve Year Ecosse Ednuard AnnOe Annual 2 change Annual 2 change Annual 2 change 8'000 - $'000 - Changement de I annuel - s1000 Changenent de 2 annuel Changement de 2 annuel 1 1955 .................................................... 200 .. 800 .. 5,500 2 1956 .................................................... 200 0.0 700 - 12.5 6,100 3 1957 .................................................... 300 50.0 300 - 57.1 6,900 13.1 4 1958 .................................................... 300 0.0 800 166.7 8,900 29.0 5 1959 .................................................... 300 0.0 900 12.5 10,200 14.6 6 1960 .................................................... 300 0.0 1,000 11.1 10,900 6.9 7 1961 ....................................................400 33.3 800 - 20.0 11,400 4.6 8 1962 ....................................................400 0.0 800 0.0 12,900 13.2 55.2 10.9 9 1963 .................................................... 470 17.5 1.100 31.5 20,000 10 1964 ....................................................518 10.2 1,400 27.3 21,700 8.5 11 1965 .................................................... 710 37.1 1,700 21.4 25,293 16.6 12 1966 .................................................... 815 14.8 1,729 1.9 26,607 5.2 13 1967 .................................................... 846 3.8 2,263 30.9 28,552 7.3 14 1968 .................................................... 1,069 26.4 2.680 15.6 15 1969 .................................................... 1,267 18.5 2,272 - 15.2 .- 16 1970 .................................................... 1,573 24.1 5,004 120.2 36,282 17 1971 ....................................................1,906 21.2 4,106 - 18.0 18 1972 .................................................... 2,414 26.7 5,524 34.5 19 1973 .................................................... 3,587 48.6 8.293 20 1974 .................................................... 5.9 8,023 50.1 . 3,171 - 3 - 3'79:ew Brunswick - Québec NouveauBrunswick Annual 2 change Annual 2 change Annual 2 change 9000 $•000 - $'OOO - - Changenent de 2 annuel Changen,ent de 2 annuel Changement de 2 annuel 21 1955 ....................................................4,900 .. 112,600 .. 70,900 22 1956 ....................................................5,700 16.3 133,300 18.4 81,700 15.2 23 1957 ....................................................6,500 14.0 135,000 1.3 99,100 21.3 24 1958 ....................................................6,200 - 4.6 151,300 12.1 116,500 17.6 25 1959 ....................................................7,200 16.1 166.600 10.1 141,300 21.3 26 1960 .................................................... 7 ,60 0 5.6 149,600 - 10.0 154,500 9.3 27 1961 ....................................................8,100 6.6 217,800 45.6 165,800 1.3 28 1962 .................................................... 9,100 12.3 252,600 16.0 204,200 23.2 29 1963 .................................................... 9,300 2.2 295,100 16.8 218,400 7.0 30 1964 .................................................... 1 4 ,500 12.9 345,300 17.0 270,800 24.0 31 1965 .................................................... 11,800 12.4 418.200 21.1 298,200 10.1 32 1966 ....................................................13,636 15.6 466,108 11.5 327.900 9.9 33 1967 ....................................................14,759 8.2 499,032 7.1 309.784 - 5.8 34 1968 .................................................... 16,551 12.1 572,508 14.7 374.107 20.8 35 1969 .................................................... 17,510 5.8 591.361 3.3 404,098 8.0 36 1970 .................................................... 18,345 4.8 686,582 16.1 550.505 36.2 25.8 37 1971 .................................................... 23,823 29.9 1,043,934 52.2 692,453 38 1972 ....................................................33,616 41.1 992.556 - 4.9 907,245 39 1973 .................................................... 49,249 46.5 1,370,389 38.1 883.067 - 40 1974 ....................................................62,544 27.0 1,638.569 19.6 827,913 - t)Statintics prior to 1966 taken from Department of Agriculture. Credit Unions in Canada, 1965. 1 - 67 - ISBLEAU 23. Prlta conaentis - Locales, 1955-1974(1) S Sankatchewan Annual change t'000 Annual 1 change 01000 - Annual 2 cI.ange $000 - Changenent de 2 annuci - Changement de 2 annuel 10,900 Changanont de 2 annual No 15,600 .. 8,800 .. 13,900 27.5 17,800 14.1 10,600 20.5 16,200 16.5 20,700 16.3 11.700 10.4 3 20,400 25.9 25,700 24,2 14,800 26.5 4 26.200 28.4 37,600 46.3 17,700 20.0 5 30,000 14.5 43.600 16.0 20,000 13.6 6 34,700 15.7 51,300 17.7 23,900 18.9 7 39,600 14.1 67,900 32.4 32,200 34.7 8 49,800 25.8 84,500 24.4 30,390 5.9 9 58,800 18.1 102,900 21.8 34.801 14.5 10 65,672 11.7 129,066 25.4 38,610 10.9 11 75,433 14.9 131,071 1.6 42.907 11.1 12 84.270 11.7 166.249 26.8 53.540 24.8 13 91.685 8.8 168,862 1.6 63,410 18.4 14 98,930 7.9 148,169 - 12.3 63,223 0.3 15 98,896 0.0 146.876 - 0.9 75,338 19.2 16 117,048 18.3 193,161 31.5 109,982 46.0 17 156,280 33.5 244,917 26.8 151,617 37.9 18 188,886 20.9 358,732 46.5 194,856 28,5 19 33.8 438,823 22.3 223,144 14.5 20 21 - - Canada - t.olombleBritanoique Territoires du Nord-Owest Annual 2 change 8 1 000 - 2 Northwnt Territories itich mbja - Annual 2 chan1e 9 1 000 - Annual 2 change $000 - Changenent de 2 annuel - Changenent de 2 annuel Change.ent de 2 annuel 29,800 .. - - 260.000 .. 39,700 33.2 - - 309,700 19.1 22 48,100 21.2 - - 344,800 11.3 23 46,200 4.0 - - 391,100 13.4 24 40.0 - - 472,700 20.9 25 1.7 - - 481,200 1.8 26 1.4 - - 578,700 20.3 27 12.2 - - 676,300 16.9 28 62,900 11.1 - - 771,960 14.1 29 71,900 14.3 - - 918.619 19.0 30 88,900 23.6 - - 1.078.151 17.4 31 140,335 57.9 - - 1,226,541 13.8 32 163,750 16.7 - - 1,323,045 7.9 33 190.679 16.4 30 - 64.700 63,600 - 64,500 56,600 - - . . . . 34 35 164,917 - 13.5 .. .. . . .. 161,930 - 1.8 .. .. .. .. 36 70.6 .. .. .. .. 37 53.3 .. .. .. .. 38 51.9 .. .. . . . . 39 .. . 40 276,292 . Alberta ieure I 1966 eat tir6e ..de Lee calasea populaires.. aa Canada, 1965, publication du miniatlre de 1'Agricalture. .. - - 68 - TABLE 24. Loan Accounts - Locals, 1974 PrinceEdward Newfoundland Inland Terre-Neuve Ile-du-PrinceEdosard Nov. Scotia New Brunswick Nouveliefcouse NouveauBrunswick I Quebec So. thousanc of dollars - silliers de loilacs Statement of non-mortgage loan accounts I Balance of loans oostasdi:.g at beginning of the year ..... 4.040 11.095 69,193 43,167 858, 859,799 3,659 8,023 58,506 50,392 909, 687,282 2,925 6,763 53,052 36,295 712, 592,926 74,647 57,264 17, 1,073, 954,155 Add: 2 Advances on new loans made during the year ............. Deduct: 3 Repayments received during the year ..................... 4 Other adjustments ....................................... 5 Balance of outstanding loans at end of the current year 4,774 12,355 Statement of mortgage loan accounts ..... 218 - 7,515 22,250 1,460, 439.449 .............. 138 - 6,301 12,152 728, 140,631 77 - 6,716 311, 67,503 279 - 2,447 381 10,988 27,686 1,877, 512,577 11.095 76,708 65,417 2,319, 1,799, 8,023 64,807 62,544 1,638, 827, 3,002 6,763 12,355 55,499 381 85,635 43,011 5,053 1,024, 17, 2,951, 6 Balance of loans outstanding at beginning of the year Add: 7 Advances on new loans made during the year Deduct: 8 Repayments received dring the year ..................... 9 Other adjustments ...................................... 10 Balance of outstanding loans at end of current year Total loans (non-mortgage and mortgage) it Balance of loans outstanding at beginning of 12 Advances on new loans made during the year the year ..... ................ 4,258r 3.797 S Deduct 13 Repayments received during the year ..................... 14 Adjustments ............................................. 15 Balance of outstanding loans at end of current year It Number of loans over 90 days in arrears ................... 84,950 660,429 1,466,732 16.259 46 dolls rs Average size of loan nude: 17 Non-mortgage ............................................ is Mortgage ................................................ 1,064 404 842 5,399 1,186 1,000 1,422 13,978 19 Total 1,004 917 I , Is 5 1,678 ................................................. Number of loans made during the year: 20 Non-mortgage ............................................ 21 Mortgage ................................................ 3,440 342 8, 69,492 1,167 42,476 12,152 483,284 10,061 22 Total (cash and mortgage) 3,782 8, 70.659 54,628 493,345 ............................. per cent - Durcent age Selected ratios: 23 Reserves to loans outstanding ........................... 24 Shares and deposits to loans outstanding ................ 3,44 100.65 '.47 81.28 3.46 106.08 6.38 111.41 3,43 6.36 154.37 116.25 25 Total 104.09 83.75 109.54 117.79 160.73 119.68 ...................... 72.14 43.53 68.90 84.86 22.08 57.01 27 Non-mortgage ............................................ 28 Mortgage ................................................ 86.52 5.06 87.86 72.72 10.70 54.45 26.33 22.13 38.69 5.. 29 Total 91.58 87.86 83.42 80.78 60.82 8: ................................................. 26 Members' equity to loans outstanding Loans outstanding to total assets: ................................................. 30 Per cent loans written off to loans outstanding ........... 00.16 - 00.05 S - 69 - TABLEAU 24. Cosptes de prêt. - Locale., 1974 S SaskatAlberta chewsn British Norths,eat Colanbia territories - Canada I Colonbie- Territoirea do Nord-Oue,t Britanni9ue I - I thousands of dollars - nIlliers de dollars Etat des Canptes de prête our reconnaIssance do dette 153,517 184.919 176.348 181,19 127 2,542.320 Soide dee prête en coors as debut do l'annde ................ 156.313 247,840 148,672 15s,228(1) 736(1 2.427.383 Avance. our nouveaux prête consentis durant i'annde ..........2 113,163 189,367 122,379 126,854(1) 95(1 1.956,158 Rewbourse.ents reçue durant l'nnnde .........................3 196.701 243,452 202,641 210.593 768 - 17,617 Autres ajusteo,ents ..........................................4 3,031,162 Snide des prêta encoora B is u.s do l'annC'.. observêe ... 152,094 276.608 75,578 655.416 - 3,089,573 Solde den prête en coors as debut do l'nndo ..................6 96.291 190,923 74,472 434.689(1) - 1,684,474 Avances our nouveaux prête consentia durant l'anthe .........7 58,506 101,354 44,726 275,215(1) - 189,879 366.177 lOS, 324 814.830 - Ajouter: Odduire: Etat do, coaptes do prêt. hypothêcsires Ajouter: Déduire: 868,418 Rembourseinents reçu, durant l'annde .........................8 381 Astres ,jasto,ests ..........................................9 3.905,248 Solde des prête on coors B is fin do l'ann6o observe. 10 total den prêt. (sur reconnaissances de dette et Isypothigues) 11 461,587 251,926 836,635 127 5,631,893 Solde des prête en coors so debut de l'annCc' ..................11 ".4 438.763 223.144 590,917(1) 736(1 4.111,857 Avancee our nouveaux prête consentis durunt l'annCe ...........12 171,669 290,721 167.105 402.129(l) 386.586 609.629 307.965 ' Dêduire: 950 1,025.423 18.914 168 5,971 2,824,576 Remboursemenra resua durant l'année .........................13 - 17,236 Ajustemonts .................................................14 6.936,410 Solde des prIts Cfl tours 5 1a fin do l'année ob,ervCe IS Sombre des arriCr8a de plus do 90 joura .......................16 dol Ian Valour mayenne des prim con,entin. ,', L47 2,046 9.115 12.100 1,496 7,360 Pritn sur reconnaissance do dette ...........................17 Prêt. Isypoth€caire .........................................18 3,091 2,038 Total .....................................................19 69,572 121,134 7,958 20.810 99.371 10,119 Prits nor reconnaissance de dette ..........................20 Prima hyputhdcaires ........................................21 109,490 Total des prêt. (nut reconr,ai,ssnce do dette, em hypo- 22 th8c.s ire,). 3.259 liombres sic prête cossentis as cours do l'onnde: 77,530 141,944 per rest - pourcentage Certain, rapport.: 3.02 3.81. 113.91 153.61 3.46 113.71 2.39 104.45 0.39 115.16 4.57 Reserve, aux prête en costs ................................23 133.51 Action. Ce d6p6t. aus prics en rout .......................24 116.93 151.45 117.23 106.84 116.15 138.01. Total ....................................................25 2.33 53.17 38.62 22.17 8.33 33.27 Avoir des socldtaires ass prête on coons ..................... 26 Prêt, en costs B i'actif total: '.99 23.53 35.39 51.56 26.80 17.39 18.37 67.30 - 30.23 Prits nor reconnaissance do dette ..........................27 38.95 Pcitn hypothOrsIres ........................................28 58.92 78.36 84.69 78.37 69.18 total ....................................................29 20 00.13 e.ti,né,. 00.10 - .06 Pourcentage des prCt, radiC, par rapport sun prêt, en cour. 30 - 70 - a TABLE 25. Purpose of Loans, 1974 Cansolidation of debt Automobile purchases Consolidation de dettes Achats dautomobile investmoats Placements Education 9ducation Medical and dental Soins médicaux et dentairen Holidayn Vac:nces et taxes No Newfoundland: Cash loans ........................................... 826 Mortgage loans ....................................... 26 1,011 20 63 16 155 16 Total .............................................. 852 1,011 20 63 16 155 16 2,894 42 35 16 108 20 ..1,034 2,894 42 35 16 108 20 7 Cash loans ........................................... 10,826 10,718 216 477 308 2,116 494 8 Mortgage louse ....................................... 520 1,054 Total .............................................. 11,346 11,772 216 477 308 2,116 494 17,522 836 386 145 1.279 774 17,522 836 386 145 1,279 774 33, 500(1) 12,639(1) 20,897(1) 3.355(1) 34,299(1) 13. 03,500(1) 12,639(1) 20,897(1) 3,355(1) 34,299(1) 13. 1 2 3 Prince Edward Island: 4 5 6 Cash loans ......................................... ..1,034 Mortgage loans ..................................... .. Total ............................................ Nova Scotia: 9 New Brunswick: 10 Cash loans ............................................ 8,179 11 Mortgage ioana ........................................ 369 12 Total ............................................... 8,548 Quibec: 13 Cash loano ........................................... 199,661(1) 14 Mortgage loans ........................................ - 15 Total ............................................. 199,661(1) Ontario: 16 Cash loans ........................................... 91,489 98,381 20,129 5,341 1,412 34,600 17 Mortgage loans ....................................... 5,835 1,356 1,085 17 5 21 243 97,324 19,737 21,214 5,358 4.417 34,621 6.446 19 Cash loans ........................................... 24,231 .0,412 4.951 805 274 2,598 767 20 Mortgage loans . .................................... .. 5,019 738 439 - - Total .............................................. 29,250 .1,150 5.390 805 18 Total ............................................. 6,203 Manitoba: 21 1 88 274 2,599 855 1,079 Saskatchewan: 22 Cash loans ........................................... 32. 075 54.383 10,991 2,646 300 2,155 23 Mortgage loans ....................................... 12,036 Total .............................................. 44,111 3,301 1.852 42 5 188 339 57,684 12.843 2,688 305 2,343 1.418 14,884 6,251 512 529 4,076 833 64,884 6.251 512 529 4,076 833 24 Alberta: 25 Cash loana ........................................... 25,795 26 Mortgage loans ................. 27 . ................... ...- Total .............................................. 25,795 British Columbia: 28 Cash loans ......................................... 29 Mortgage loans ..................................... 30 Total ............................................ Northwest Territories: 31 Cash loans ......................................... 32 Mortgage loses ..................................... 33 Total ............................................ Canada - For reporting provinces only: 34 Cash loans .............................. 394,116 683,705 56,075 31,162 9,355 81,386 35 Mortgage loans ....................................23,805 417,921 Total ........................................... 6,449 3,376 59 10 210 690,154 59,451 31,221 9,365 81.596 36 ... ...... . 23,31: 24.02 TABLEAU 25. But des prita consentis, 1974 Real estate -ne airs - Equipment - - - Materiel Inaneublo Repsrations de matson Operating expenses Total - Dépenses d'expioitation Estate or endownest Other - Dotatione ou suecessiona Autres NO thouaanda of dosiars initliers do dollars - - Terre-Neuve: 29 692 377 309 90 9 13 29 386 322 78. 145 3,659 - Prits our reconnaissance do dotEs ................... 138 - Peers hypoth8caires ..................................2 141 3,797 - Total ..............................................3 723 8,023 - FriEs sur reconnaissance de dette ....................4 . - Prits bypott,icalres ..................................5 760 723 8,023 - Total ..............................................6 1,480 8,913 58,506 504 318 6.301 - Prits hypoth8caires ..................................8 t1e-ah,-Pri,nee-douard: 518 519 1,127 1,127 741, 746 76(3 NouveIle-t.co,se: 3,186 - Frito our reconnaIssance de dctte .................... 1 6.916 3.753 1,610 2,273 7,649 6,024 3,88 1,184 9,211 64,807 - Total ..............................................9 3,896 5,1611 4,45' 3.148 4,411(1 50.392 .0 - FriEs our reconnaissance de dette ................... - Prits bypothCcsires ..................................11 - Total ..............................................1 2 Nouveau-Brunswick: 1,334. 8.41' 61 53 1,417 12.152 5.21. 14,084 4,320 3,201 6,017 62,544 Quebec: .000(1) 6,763(11 100,000(1) (i) 681 .910(1) 28.180(1) 1) 688,673(11 128.180(1) 108.321 108,321 909,692(1 - Prêt, our reconnaissance do dotE ....................13 728,877(1 638.5690 - Prêt, hypothCcaires ..................................14 - Total ..............................................15 59,960 687,282 - Prits our reconnaissance de dette ....................16 7,087(1) 7,087(1) . Ontario, 88,514 56.404 40,565 _i,5 97 121,340 873 3,356 2,903 140,631 84,881 209,854 57,277 43,921 62,863 827, 913 4,595 Prêt, hypothCcaires ..................................17 4,595 Total ..............................................18 6.879 17.227 26,621 21,922 9,666 156.353 - Frito cur reconnaissance do dette ....................19 Manitoba: 1,291 85.113 1,852 1,628 122 96,291 11,127 FriEs hypothCcaires ..................................20 8,170 102,340 28.473 2 3, 550 9,788 252.644 11,127 Total ..............................................21 4,536 25.246 53,524 58,492 2,177 247,604 236 FriEs our reconnaissance do dstte ....................22 Saskatchewan: 2,029 148,295 9,987 12,523 326 190,923 60 Prato hypothCcaires ..................................23 6,565 173.541 63,511 71,015 2,503 438,527 296 Total ..............................................2 4 - FriEs our reconnaissance do dette ....................25 Alberta: 9.000 18,922 21,918 15,952 148,672 74,472 Prêt, hypothCcairos ..................................26 18,922 21.918 15,952 223,144 - Total ..............................................27 74,472 9.000 74,472 Colosbie-Britannique Prita our reconnaissance de dette ....................28 Prato hypothCcairex ..................................29 Total ..............................................30 Territoiren du Nord-Ouest: Prêt, our reconnaissance do dette ....................31 Prits hypothicaires ..................................32 Total ............................................. Canada - Provinces diclarantes seuicaent: . 264,239 L,44l 148,490 4,683 1,122.409 40.964 .1.124 1,270,899 305,203 nbres estimCs. 236 Prits our reconnaissance de dette ..................34 109,223 2,270,183 18,064 5,086 1,249,785 15.782 PrUts hyporhicaires ................................35 274.699 114,309 3.519,968 16,018 Total ............................................36 256.635 - 72 - I TABLE 26. Purpose of Loans Made as a Percentage of Total Loans. 1974 Consolidation of debt Au tomobile parchases ConsolEdatton de dettes Achats d'automobile Investments Placementa Education 6ducstion Medical and dental Holidays = Vacances Soins mAd icaux cc dentaires im:6ta cc taxes per cent - pourcentage Newfoundland: 1 Cash loans ........................................... 21.76 2 Mortgage loans ....................................... .0.68 26.63 3 Total .............................................. 22.44 26.63 0.53 1.66 0.62 4.08 0.42 12.89 36.06 0.52 0.44 0.20 1.35 0.25 - 0.53 - 1.66 - 0.42 - 6.08 0.42 - - Prince Edward Island: 4 Cash loans ........................................... Mortgage loans .......................................... 6 Total ............................................. . Nova Scot - - - - - - - 12. 89 36.06 0.52 0.44 0.20 1.35 0.25 0.33 0.74 0.48 3.27 0.7: :0: 7 Caah bonn ........................................... 16.70 31.97 8 Mortgage l:,00s ....................................... 0.80 1.63 9 Total ............................................. 17.50 33.60 0.33 0.74 0.48 3.27 0.76 10 Cash loans ........................................... 13.08 28.02 1.34 0.62 0.23 2.04 1.24 11 Mortgage mann ....................................... 0. 5 9 12 Total .............................................. 13.67 - - - - - New Brunswick: - - - - - 28.02 1.34 0.62 0.23 2.04 18.52 0.77 1.28 0.20 2.09 - 1.24 Quebec: (1) 13 Caah loans ........................................... 12.19 14 Mortgage loans ....................................... - 15 Total .............................................. 12.19 - - - - - 18.52 0.77 1.28 0.20 2.09 0,65 0.53 4.18 Ontario: 16 Cash loans ........................................... 11.05 23.96 2.43 17 Mortgage loans ....................................... 0.70 0.16 0.13 18 Total .............................................. 11.75 24.12 2.56 0.65 0.53 4.18 0.78 0.32 0.11 1.03 0.30 - - - u. 0.03 Manitoba: 19 Cash loans ........................................... 9.59 16.00 1.96 20 Mortgage loans ....................................... 1.99 0.29 0.17 21 Total .............................................. 11.58 16.29 2.13 - - - 0.03 0.32 0.11 1.03 0.07 0,49 0.25 0.04 0.08 0.33 Saskatchewan: 22 Cash loans ........................................... 7.31 12.40 2.51 0.60 23 Mortgage loans ....................................... 2.75 0.75 0.42 0,01 Total .............................................. 10.06 13.15 2.93 0.61 0.07 0.53 0.33 20.12 2.80 0.23 0.24 1.83 0.37 24 '- Alberta: 25 Cash loans ........................................... 11,56 26 Mortgage loans ....................................... - 27 Total .............................................. 11.56 - - - 20.12 2.80 0.23 - 0.24 - 1.83 - 0.37 British Columbia: 28 Cash loans .......................................... ., .. .. .. 29 Mortgage loans ....................................... .. . . .. .. 30 Total .............................................. .. .. .. .. . Northwest Territories: 31 Cash loans ........................................... .. .. .. .. 32 Mortgage loans ......................................... ,. .. .. 33 Total .............................................. .. ,. .. .. .. Canada - For reporting provinces only: 34 Non-mortgage loans ................................. 11.19 19.42 1.59 0.89 0.27 2,31 35 Mortgage losna .....................................0.69 0.18 0.10 0.00 0.00 0.01 36 Total ............................................ 11.88 19.60 1.69 0.89 0.27 2.32 (1) tatimated figures. S - 73 - S TABLEAU 26. But des prEts conaeetis en poorcestage do total des pr9ts, 1974 Estate Real Operating or endowestate Equipment expenses Other acnE - - - - Total 1eab1e MatBriel Dépenseg Aotrea Dotations d'exploi- ou outrations do saigon tation cessions i 8° per cent - poorcentage I I I I I terr c-Se uve 8.14 19.22 9.93 0.34 2.37 0.24 8.48 20.59 10.17 0.76 3.82 96.37 PrOm gut reconnaissance do dette .................... PrOts hypothécaires ...................................2 3.63 0.76 3.82 100.00 Total ...............................................3 I le-du-Prince-f.douard: 6.46 14.05 9.30 9.47 9.01 100.00 PrOts sur reconnaissance de detta .....................4 PrOts hypothBcaires ...................................S 6.46 14.05 9.30 9.47 9.01 160.00 9.29 5.79 4.92 2.28 13.75 90.28 2.51 3.51 0.78 0.49 9.72 11.80 9.30 3.06 14.24 100.00 Total ............................................... 6 Nouvelle-fcosse: 4.92 FriEs our reconnaissance de dette .................... PrOts hypothBcaires ...................................8 Total ...............................................9 . Nouveau-Brunswick: 6.23 8.26 7 13 5.03 7.35 80.57 .0 Prits our reconnaissance de de nt, .................... 2.14 14.25 0.10 0.08 2.27 19.43 Prits hypothécairen ....... ........................... .II 8.37 22.51 7.23 5.11 9.62 100.00 Total ...............................................12 Québec (1): S 0.41 6.10 41.04 2.72 42.04 7.82 6.61 6.61 0.43 0.43 55.52 Prits our reconnaissance de dette .....................13 44.48 Prits hypothécaires ...................................14 100.00 Total...............................................15 Ontario: 10.25 Frito nor reconnaissance de dette ...................... 16 10.69 6.81 4.90 7.24 83.01 14.67 0.11 0.42 0.35 16.99 0.56 25.36 6.92 5.31 7.59 100.00 0.56 Prs it hypothdcaires ...................................17 Total ...............................................18 Manitoba: FrEts sue reconnaissance de dent, ......................19 2.72 6.82 10.54 8.68 3.82 61.89 0.51 33.70 0.73 0.64 0.05 38.11 4.40 3.23 40, 52 11.27 9.32 3.87 100.00 6.40 Prs it hypothBcalres ....................................20 Total ...............................................21 Saekatchewam: 1.03 5.75 12.21 13.34 0.50 56.46 0.05 FrEts our reconnaissance de dette .....................22 0.46 33.83 2.28 2.85 0.07 63.54 0.01 FrEts hypothicaires ...................................23 1.49 39.58 14,49 16.19 0.57 100.00 0.06 Total ...............................................24 Alber tat 8.48 4.03 9.82 7.15 33.37 4.03 33.37 8.48 9.82 7.15 66.63 FrEts gut reconnaissance de dctte .....................25 33.37 FrEts hypothOcuires ................................... 26 100.00 total ...............................................27 Colombie-Britanniqoe: FrEts our reconnaissance do dette ......................28 Prits hypothécaires ...................................29 Total ...............................................30 Territoires du Nord-Ouest: Prito our reconnaissance do dette .....................31 FrEts hypothOcairen ...................................32 Total................................................33 Canada - Provinces déclarantes seulement: 4.22 31.89 36.11 . ,Liéa. 7.29 3.10 64.49 0.14 35.51 0,45 1.16 0.51 0.01 3.26 100.00 0.46 8.67 7.80 7.51 FrEts cur reconnaisance de dette .....................34 PrOts hypothécaires .................................35 Total .............................................36 TABLE 27. Number of Credit Unions Offering Services, by Province. 1971, Newfoundland - Prince Edward Island Nova Scotia - TerreNeuve tie-do-princefdouard a New Brunswick - - Nouvellefcosse Ce Québec NouveauBrunswick No. 1 Chequing accounts (negotiable orders) ----------------------- 1 11 58 59 2 Safety deposit boxes ........................................ .. i 18 .. 3 Vault storage .............................................. - 6 17 .- 4 Money orders .................................................. 11 39 .. . 81 STravel cheques .............................................. . . .. 11 . - - 155 6 Commission agent ............................................-. .. 16 .. .. 164 7 Other ....................................................... 1 .. 9 -. .. 210 -. . . 73 TABLE 28. Schedule of interest and 'ividend Rates of Local Credit Unions, by Province, 1974 Prince Edward i.:va New Newfoundland T1cnd Scotia Brunswick - - - - Québec Ontario Terre- he-du-Prince- Notiveile- NouveauNeuve Fdouard Ecoase Brunswick No. - per cent - puurcentage Interest rates paid on depouits: 1 2 3 4 Ordinary, demand, or savings deposit: Chequing ...................................................... .. Non-chequing ............... . ........................... ...3.0.- 8.0 Term deposits ...............................................7.0-11.0 Other forms of deposits ..................... . ............ .......- .. 6.75- 9.0 8.5 -10.0 .. 0- 3.0 2.0- 9.0 50-11.0 7.0-11.0 .. 11.0 -14.0 7.0-15.0 6.0-15.0 9.0-15.0 7.0-15.0 3.5- 9.1) 6.0-10.5 I Interest rates charged on: 5 6 7 8 First mortgage leans ---------------------------------------9.0-12.0 Other coilaterui loans ............................................ Unaecared or peruonal loans ................................ 6.0-12.0 Other leans including second mmrtgagea ............................ 9 Bate of dividends paid on shares ---------------------------- - 2.0- 9.0 10 Interest rebates (patronage refunds) on loans --------------- 10.0-17.0 11 Additional intereSt paid on aavinga deposits ---------------- TABLE .. .. 30- .0 - 6 0-Il, 0 12.09 12.09 0- 9.0 0- 7.0 6.92 - 3.0-25.0 1.0-25.0 14.79 - 3.5-11.0 29. Number of Employees of Local Credit Ilniosa, by Province, 1974 Newfoundland - TerreNeuve Prince Edward Island Scotia New Brunswick lie-do-PrinceE,Jouard NouvelleEcosse NouveauBrunswick Nova - - - Québec Ontario number - sombre I Full-time (salaried) ........................................13 41 244 216 8,358 2,122 2 Pact-time (aularied) ........................................11 4 112 112 1,798 1,296 3 Voluntary ................................................... 2 20 231 1,244 1,541 4 Total ..................................................... 26 376 559 11,400 4,959 .5.11 - 45 Average number of employees per credit union: 5 Pall-tIme (salaried) ......................................0.29 2.93 1.92 1.48 6 Part-time (salaried) ...................................... 0.24 0.29 0.88 .77 1.10 7 Voluntary .................................................0.04 - 0.16 1.58 0.76 8 Total ...................................................0.57 2.96 3.83 6.97 3.22 V. - 75 - TABLEAU 27. Nombre de caisson d'épargne at da credit assurant des services, par province. 1974 Northwest Territories British Colombia LoitOba Saskatchewan Alberta Canada - - ColombieBritannique Territoires do Nord-Ouent Rol 74 .. .. .. Compte-chOqoes (mandate ndgotiables) ......................... 1 45 .. .. . - Cotfrets do slretd ...........................................2 fhambre forte ................................................3 44 .. . .. 64 .. .. .. Mandats ...................................................... 4 61 .. .. .. Chlques de voyage ...........................................S 73 .. .. .. Agent S coomiaaioo ..........................................6 39 .. .. .. Autres ......................................................7 TASLEAU 28. Taux dintCrOt at de dividende des caisses localen dépargee Ct de credit, par province, 1974 British Northwest Territories Colombia Manitoba Saskatchewan Alberta - Colonbie- Territoires do Britannique Nord-Ouent No per cent - pourcentage Taos d'intCrSt verse our depOts: 6.0- 9.5 5.0- 10.0 Ordinuires. Ii vuc on dirOts d'Cporgne: J Coaptes-chkqoes ...........................................1 .. 1 6.75 J 2.0- 4.0 5.0- 8,5 7.0-10.5 5.0- 8.0 8.5 10.25-10.75 .. .. AoLreu ....................................................2 DepOt0 7 tore ...............................................1 Antros genre da depOts ......................................4 Taux d'intCrSt demandés sur: • 8.0-13.0 .. 8.0-12,0 7.0-12.0 8.0-15.0 9.0-15.0 12.5 12.5 13.5 16.0 .. .. 12.0 -14.0 .. PrOts en premi7re hypoth7que .................................5 Actres prOta our nantisse,er.t ...............................6 PrOts non garantis on pereonnels .............................7 Autres prita, p compria lee prits on deoxtime hypoth8que 8 3.0- 8.0 2.0- 8.0 5.5 .. Tans des dividendes dactions .................................9 8.0-25.0 5.0-25.0 .. .. Tans des ristournes our prits ................................10 .. .. Intent additionnel verse sur ies depOts d'dpargne ...........11 - TABLEAU 29. Nombra d'omployês dee caisses locales d'épargno et de credit, par province. 1974 British Northwest Columbia Territories Manitoba Saskatchewan Alberta - - Canada Colombie-Territoires do Britannique Nord-Ouest NO - neshy - nnhr. 7i3 1,439 5 . - Plein tomps (appointC) .......................................1 233 242 1 .. Teinpa partiel (appointé) .....................................2 .. BdnCvole .....................................................3 Total ......................................................4 - 170 - 956 1,851 6 . . 3.26 7.20 1.67 .. Piein Cemps (appointC) .....................................5 1.21 0.33 .. Tempo partiel (appointé) .................................. .. BCnCvole ...................................................7 .. Total ....................................................B Moyenne des employCs par caisse d'épargne at de credit: 1.05 - 4.31 0.85 9.26 - 2.00 - 76 - TA3LE 30. Average Deposits and Liquity, by Local Credit Union llee'bers, by Province, 1972-1974 Share capital Capital social 1972 Reserves et bdnCl non riportis DepOts 1972 1974 1973 T I Reserves and undivided surpl Deposits 1973 1974 1974 197T 973 dollars Newfoundland ....................................... 443 487 520 73 107 236 40 27 22 2 Prince Edward Island ............................... 241, 284 309 154 236 278 21 20 6 3 Nova Scotia ........................................ 376 406 415 179 257 293 44 49 47 4 New brunswick ...................................... 387 427 464 85 136 199 40 44 II 5 Quebec .............................................96 118 129 894 1,005 1,099 46 46 47 6 Ontario ............................................ 577 595 589 473 571 683 48 41 35 Manitoba ............................................. 5 5 5 1,227 1,461 1,612 58 29 28 8 Saskatchewan ....................................... 699 780 752 891 1,256 1,609 86 56 65 9 Alberta ............................................ 455 435 411 621 791 1,013 64 71 72 10 British Columbia ................................... 447 354 351 1.048 1,253 1,624 83 72 68 11 Northwest Territories .............................. .. .. 73 .. .. 1,048 8 S Reserves and Share capital Deposits undivided norplus Capital social DDpOts RAserves at bénCf ices non ripartis 1972 1973 1974 1972 1973 1974 1972 1973 1974 per cent - pourcentage . 9.9 6.8 32.7 46.6 120.6 - 11.1 - 32.5 - 18.5 I Newfoundland......................................28.4 . 3.2 16.4 8.8 49.5 53.2 17.8 - 4.5 - 4.8 - 70.0 2 Prince Edward Island .............................. . 8.0 2.2 61.3 43.6 16,0 - 6.6 11.4 - 4.1 3 Nova Scotia .........................................6.2 ...9 10.3 8.7 54.5 60.0 46.3 - 2.4 10.0 - 6.8 4 New Bcanswick ..................................... .6 . 5.0 22.9 9.3 8.0 12.4 9.4 - 16.4 - 2.2 5 Quebec ............................................ 6 ontario .............................................7.2 3.1 - 1.0 27.8 20.7 19.6 - 9.2 - 14.6 - 14.6 7 Manitoba .............................................- - - 20.2 19.1 10.3 34.9 - 50.0 - 3.4 ..4 11.6 - 3.6 29.1 41.0 28.1 10.3 34.9 16.1 8 Saikatchewan ...................................... 12 9 Alberta ............................................2.9 - 4.6 - 5.5 31.0 27.4 28.1 - 10.9 1.4 10 British Columbia ...................................4.2 - 20.8 - 0.8 44.4 19.6 29.6 13.7 11 Northwest Territories ............................. ... .. .. .. .. 5 5.9 17.3 15.5 17.8 14.6 - 7.1 12 Canada ............................................4 S - 77 - !.j,F)ts movens des caisses locales, per sociPtaire, par province, 1912-1974 Total assets Total, actif i,v.rt 1972 1973 1 1974 1972 1973 J 1974 dollars 557 621 778 576 722 821 Terra-Neuve ....................................... 419 540 593 628 773 822 he-du-Prince-douard .............................. 2 599 112 754 433 748 799 Nouvelle-Ecosse .................................... 3 512 607 104 541 642 737 Nouveao-Nrunswick .................................. 4 1,036 1.169 1.274 1,058 1,196 1.307 Québec ............................................ 1,098 1.207 1.306 1,156 1,294 1,354 Ontario ............................................ 6 1.290 1,495 1,645 1.337 1.599 1.806 Manitoba ........................................... 7 1.676 2,092 2,427 1 1 713 2,184 2,609 Saskatchewan .......................................B 1,140 1,297 1,497 1.207 1,385 1.598 Alberta ............................................9 1,577 1.679 2.043 1.687 1,793 2,233 Colombie-Bricannique .............................. 1,129 .. .. 1.236 Territoires da Nord-Oeet .......................... 11 1,408 1.157 1.326 1,473 Canada ........................................... 12 1.270 1 ,117 1972 - - Total equity and deposits Total assets Total, l'avoir et den depOts Total. seth 1913 1972 1974 .0 . 1974 1973 90 per cent - pourcentage Ter'e-Neuva .........................................1 25.2 11.5 25.3 24.7 25.3 13.7 10.8 28.9 9.8 10.4 23.1 6.3 j1e-du-Prinoe-douard ............................. 17.0 18.9 5.9 17.9 18.2 6.8 Noovel1e-coaae ....................................3 11,5 18.6 16.0 12.1 18.7 14,8 Nouveau-Brunswick ..................................4 5.4 12.8 9.0 6.4 13.0 9.3 Québec .............................................5 14.4 9.9 8.2 16.9 11.9 4.6 Ontario ............................................6 20.8 15.9 10.0 19.9 19,6 12.9 ManItoba ...........................................7 20,6 24.8 16.0 20.3 27.5 19.5 Saskatchewan .......................................8 16.3 13.8 15.4 17.8 14.7 15.4 Alberta ............................................9 6.5 21.7 31.2 6.3 24.5 Coioabie-Bricsnniqoe .............................. . . 2 .0 Territoires do Nord-Onest .......................... 11 13.1 10.9 13.0 14.6 11.1 Canada ........................................... 12 - 78 - Selected List of Publications Relating to Credit Unions Liste de publications concernant les caisses d'épargne et de rsdt World Council of Credit Unions, Inc. International Yearbook. P.O. Box 431, Madison, Wisconsin, 53701. Credit Union National Association, Inc. (CUNA). U.S. Yearbook. P.O. Box 431, Madison, Wisconsin, 53701. Credit Unions in Canada. A bibliography published by Coumiunications Department. National Association of Canadian Credit Unions (NACCU), P.O. Box 800, Station U, Toronto, Ontario. Newfoundland Co-operatives and Credit Unions. Department of Provincial Affairs and Environment, St. John's, Newfoundland. Prince Edward Island Annual Report of Credit Unions. P.E.I. Credit Union League Ltd., Charlottetown, P.E.I. Credit Unions, Province of Nova Scotia. Annual Report. Department of Provincial Secretary, Halifax, Nova Scotia. Credit Unions of New Brunswick. Annual Report of the Credit Union Branch. D; ri - i:1t culture and Rural Development, Fredericton, New Brunswick. Bilingual - Bilingue. Caisses d'Epargne et de Credit du Québec. Statistique financire. Bureau de Ia SlaListique du Québec, Division des finances, Québec (Québec). Financial Statistics on Ontario Credit Unions. Annual report containing quarterly financial data. Ontario Statistical Centre, Ministry of Treasury, Economics and Intergovernmental Affairs, Toronto, Ontario. Credit Union Quarterly Statistical Bulletin, Province of Ontario. Ontario Statistical Centre, Ministry of Treasury, Economics and Intergovernmental Affairs, Toronto, Ontario. Quarterly Financial Statistics of Credit Unions and Caisses Populaires. Manitoba Bureau of Statistics, Winnipeg, Manitoba. Bilingual - Bilingue. Saskatchewan Credit Unions, Report of Operations. Department of Co-operation and Co-operative Development, Regina, Saskatchewan. Saskatchewan Credit Unions, Analysis of Financial Statements. Department of Co-operation and Co-operative Development, Administration and Research Branch, Regina, Saskatchewan. Alberta, Annual Report. Department of Agriculture, Edmonton, Alberta. Bank of Canada Review. Contains banking, other financial institutions, general economic an external trade and international statistics. Published by Bank of Canada, Ottawa, Ontario, K1A iW Monthly - Nensuel. - 79 - Provincial Credit Union Acts Lois Drovinciales des caisses d'êpargne et de credit Newfoundland - Terre-Neuve The Co-operative Societies Act, R.S.N. 1970, c.65; as amended, 1971, c.61; 1973, c.23; 1974, c.1. Prince Edward Island - jle-du-Prince-douard The Credit Union Act, S.P.E.I. 1964, c.7; as amended, 1968, c.16; 1969, c.15; 1971, c.9; 1972, c.12; 1973, c.7. Nova Scotia - Nouvelle-cosse Credit Union Act, R.S.N.S. 1967, c.69; as amended, 1969, c.36; 1970, c.37; 1972, c.28; 1973, c.26 (not proclaimed). New Brunswick - Nouveau-Brunswick Credit Unions Act, S.N.B. 1963 (Second Session), c.2; as amended, 1964, c.24; 1966, c.45; 1967, c.32; 1968, c.23; 1969, c.28; 1970, c.16; 1971, c.24; 1972, c.24; 1973, c.26; Schedule 1973, c.74. Québec Savings and Credit Unions Act, R.S.Q. 1964, c.293; as amended, 1967, c.72; 1968, c.76; 1970, c.59. S The Credit Unions Act, R.S.Q. 1970, c.96; as amended, 1971, c.98, Schedule par. 10. Manitoba The Credit Unions Act, R.S.M. 1970, c.53; as amended, 1971, c.82 Saskatchewan The Credit Union Act, R.S.S. 1965, c.248; as amended, 1966, c.29; 1967, c.51; 1968, c.15; 1969, c.12; 1970, c.11. Alberta The Credit Union Act, R.S.A. 1970, c.74; as amended, Schedule, 1971, c.1; 1973. British Columbia - Colombie-Britann Credit Unions Act, 1961, S.B.C. 1961, c.14; as amended, 1963, c.12; 1964, c.15; 1965, c.8; 1967, c.49; 1968, c.13; 1969, c.6; 1971, c.13; 1973, c.25. - 80 - t of Provincial Credit Union Administrators Liste des administrateirs provinciaux des caisses d'ipargne et de créd Newfoundland - Terre-Neuve Manitoba Mr. N. Cauthier, Mr. W.G. Dave, Deputy Minister, Registrar of Co-operative Societies, Department of Consumer Affairs and Environment, Department of Co-operative Development, Confederation Building, Elizabeth Towers, Room 800, 491 Portage Avenue, 100 Elizabeth Avenue, Winnipeg, Manitoba, R3B 2E7. St. John's, Newfoundland, AIC 5T7. (204) 786-8531 (709) 737-2582 Prince Edward Island - Ile-du-Princc-Edouard Mr. K. MacLean. Supervisor of Co-operatives, Central Lot 16, Prince Edward Island. (902) 436-7643 Nova Scotia - Nouvelle-Ecosse Mr. J.L. Viau, Registrar of Credit Unions, Department of Provincial Secretary, P.O. Box 998, Halifax, Nova Scotia, 83J 2X3. (902) 424-4317 New Brunswick Nouveau-Brunswick Mr. D. iioudreau, Director. Credit Unions and Co-operative Branch, Department of Agriculture and Rural Development, P.O. Box 1360, Fredericton. New brunswick. (506) 453-2315 Québec N. A. Mailhot Directeur, Service des Caisses d'Ipargne et de credit Ministers des Institutions financilres, Compagnies et Cooperatives 800 Youville Québec (Québec), CiA 1L7 (418) 643-7981 H. A. Lathe Bureau de la statistique de Québec Service des Finances Hotel do Couvernernent Québec (QuCbec), CiA 1L7 (418) 643-5020 Mr. P. Jubinville, Director, Credit Unions, Department of Co-operative Development, Room 800, 491 Portage Avenue, Winnipeg, Manitoba, R38 2E7. (204) 786-8531 Manitoba Bureau of Statistics, 202-323 Portage Avenue, Winnipeg. Manitoba, R38 2C1. (204) 942-8271 Saskatchewan Mr. W.P. Tlaurngartner, Deputy Minister, Department of Co-operation and Co-operative Development, 2505-11th Avcnie Regina, Saske: (306) 522-46. Mr. A.A. Heid Director of Ae Departmenr of Uu-operaL Lot) aI1d C-oporCt ivo Dev 2505-11th Avenue, Regina, Saskatchewan, S4P 0K6. (306) 525-6979 Alberta Mr. H.N. Eklund, Director, Credit Union Branch, Department of Agriculture, 9718-107 Street, Edmonton, Alberta, T5K 2C8. (403) 429-5691 ,•s, ,- '-4 Mr. W.M. Jaffray, Director, Credit Unions, Ministry of Consumer and Commercial Relations, 950 Yonge Street, Toronto, Ontario, M4W 2J4. (416) 965-2525 Mr. A. Rungi, Supervisor of Credit Unions, Ministry of Consumer and Commercial Relations, lOch Floor - 950 Yonge Street, Toronto, Ontario, 114W 2J4. (416) 965-2525 Mr. A.W. MacKinnon, Statistician, Ontario Statistical Centre, 56 Wellesley Street West, Totonto, Ontario, M7A 1Y9. (416) 965-2471 British Columbia - Colombie-Britannique Hr. R.M. Philip, Chief Inspector of Credit Unions, 3200 East Broadway, Vancouver 12, British Columbia, V5M 1Z8. (604) 254-7258 Northwest Territories - Territoires du Nord-Ouest Mr. H. Buchanan, Supervisor of Co-operat ives md Pied Department of Economic Devel P.O. Box 85, Yellowknife, N.W.T., XOE iNn. (403) 873-8210 it Uiifoii LA Catalogue 61-006 Institutions financières, statistique financiare. Donndes sur le bilan et l'dtat des béndfices de Ia plupart des institutions financières au Canada, y compris les caisses d'epargne et de credit. Trimestriel, Bilingue. 13-002 Financial Flow Accounts. Fournie la provenance et l'utilisation des fonda par secteur de l'économie, y compris lea caisses d'épargne et de credit. Trimestriel, Bilingue. S 6 1 -004 Credit a la consajulat La. Renferme des estimations sur le credit consenti par chacune des grandes sociétés a Is consommation. Mensuel, Bilingue. Outre les publications ci-dessus dnumérées, Statistique Canada publie une grande variété de rapports statistiques sur le Canada tant dans le dontaine économique que social, y cornpris des rapports détaillés sur le recensernent de 1971. On peut se procurer gratuitement un catalogue complet des publications courantes a Statistique Canada, Ottawa, Ontario KIA 0Z6. S de credit STATISTICS CANADA LIBRAR B Dl K)THEDUE STATISTIQUE CANADA 1010530625 I STATISTICS CANADA PUBLICATIONS Catalogue 61-006 Financial Institutions. Financial Statistics. Income statement and balance sheet data for most of the financial institutions in Canada, including national data on credit unions. Quarterly, Bilingual. 13-002 Financial Flow Accounts Provides sources and application of funds by sectors of the economy including credit unions. Quarterly, Bilingual. 61-00' Consutier Credi, S Contains estimates of credit extended by each type of institution including credit unions. Monthly, Bilingual. In addition to the selected publications listed above, Statistics Canada publishes a wide range of statistical reports on Canadian economic and social affairs including detailed reports on the 1971 Census. A comprehensive catalogue of all current publications is available free on request from Statistics Canada, Ottawa, Ontario K1A 0Z6. C

D'épargne Credit Unions Et Ide Credit

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