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Catalogue 61-209 Annual C.. Catalogue 61-209 Arinuel -, Credit unions 1978 . I ' Statistics Canada Statistique Canada - Caisses d'épargne et de credit 1978 Note Nota This and other government publications may be purchased from local authorized agents and other community bookstores or by mail order. On pout se procurer cette publication, ainsi toutes los publications du gouvernenient du Canad.. aupres des agents autorisés locaux, dans les iibrairies ordinaires cu par Ia poste. Mail orders should be sent to Publications Distribution, Statistics Canada, Ottawa, KIA 0T6, or to Publishing Centre, Supply and Services Canada, Ottawa, K1A 0S9. Les commandes par la poste devront parvenir L Distribution des publications, Statitique Cana, Ottawa, K1A OT6, ou imprimerie Ct edition, Aprvisionnonients Ct services Canada, Ottawa, K1A OS'. Inquiries about this publication should be addressed to: Toutes demandes do renseignements sur la prCsente publication doivent tre adressCes a: Financial Institutions Section, Business Finance Division, Statistics Canada, Ottawa, K1A 0T6 (telephone 995-9771) or to a local Advisory Services office: St. John's (Nfld.) Halifax Montréal Ottawa Toronto Winnipeg Regina Edmonton Vancouver (726-0713) (426-5331) (283-5725) (992-4734) (966-6586) (949-4020) (359-5405) (420-3027) (666-3695) Toll-free access to the regional statistical information service is provided in Nova Scotia, New Brunswick, and Prince Edward Island by telephoning 1-800-565-7192. Throughout Saskatchewan, the Regina office can be reached by dialing 1-800-667-3524, and throughout Alberta, the Edmonton office can be reached by dialing 1-800-222-6400. Section des institutions financibres, Division des finances des entreprises, Statistique Canada, Ottawa, K1A 0T6 (téléphone: 995-9771) ou 5 un bureau local des Services consultatifs situC aux endroits suivants: St. John's (T.-N.) Halifax Montréal Ottawa Toronto Winnipeg Regina Edmonton Vancouver (726-0713) (426-5331) (283-5725) (992-4734) (966-6586) (949-4020) (359-540' (420-30. (666_36 On peut obtenir tine communi:i le service regional d'informatiort statistique de lallouvelle-Ecosse, du Nouveau-Brunswick et de 1' Ile-du-Prince-Edouard en composant 1-800-565-7192. En Saskatchewan, on pout communiquer avec le bureau regional de Regina en composant 1-800-667-3524, et en Alberta, avec le bureau d'Edmonton au numCro 1-800-222-6400. 0 Statistics Canada Statistique Canada Business Finance Division F in anci a I I nsti t Ut in is Section Division des finances des entreprises Section des institutions fin ancières Credit unions Caisses d'epargne et de credit 1978 1978 PblisHe1 unien Itne antI )rt of the Minister of Supply and Services Canada Pubiication autonsce par le ministre des Approvisuonnements et Services Canada Statistics Canada should be credited when reproducing or quoting any part of this document Reproduction ou citation autorisée sous reserve d'indication de Ia source: Statistique Canada Minister of Supply and Services Canada 1981 Miriistre des Approvisionnements et Services Canada 1981 February 1981 5-4404-526 Fevrier 1981 5-4404-526 Price: Canada, $7.00 Other Countries, $8.40 Prix: Canada, $7.00 Autres pays, $8.40 Catalogue 61-209 Catalogue 61 -209 ISSN 0576-0100 ISSN 0576-0100 , is Ottawa © Ottawa Symbols Signes conventionnels The following standard symbols are used in Statistics Canada publications: Les signes conventionnels suivants sont employds unifoniiément dans les publications de Statistique Canada: • . figures not available. figures not appropriate or not applicable. nombres indisponibles. n'ayant pas lieu de figurer. - nil or zero. - fléant ou záro. - - amount too small to be expressed. - - nombres infimes. P preliminary figures. P nombres provisoires. r revised figures. r nombres rectifiés. x confidential to meet secrecy requirements of the Statistics Act. x confidentiel en vertu des dispositions de la Loi sur Ia statistique relatives au secret. S 0 OF CONi1TTS T\J J1.\I RF Pi . 7 Local Credit Unions ................. Provincial Centrals ................. National Central .................... World Council ....................... NationalTrends ..................... Provincial Trends ................... Standardization of Statistics ....... Methodology ......................... Common-size Statistics .............. 7 10 12 13 13 14 16 16 17 Introduction . 7 Caisses locales dpargne et do credit ... Centrales provinciales ................... La centrale natlonale .................... Le conseil mondial ....................... Tendances nationales ..................... Tendances provinciales ................... Normalisation des statistiques ........... Mêthode .................................. Statistiques sous forme de pourcentage .. 7 10 12 13 13 14 lo Introduction lb 17 Graphique Chart 1. Total Assets of Local Credit Unions, by Province ............. 18 1. Actif total de caisses locales d'ëpargne et de credit, par province ........... 18 2. Composition of Assets, by Province, 1978 ............................ 19 2. Composition de l'actif, par province, 1978 ................................. 19 3. Composition of Liabilities and Equity, by Province, 1978 ....... 20 3. Composition du passif ot do l'avoir, par province, 1978 ....................... 20 mposition of Revenue, by Province, 1978 ...................... 21 4. Composition du revenu, par province, 1978 ................................. 21 eniposition of Expenditures, by Province, 1978 .................. 22 5. Composition des dépenses, par province, 1978 ................................. 22 6. Growth of Membership in Local Credit Unions, 1950-1978 ........ 23 6. Croissanco do nombre de sociétaires dans les caisses locales d'Cpargne et de credit, 1950-1978 .................... 23 24 1. 7. Selected Financial Institutions Growth Trend of Total Assets, 1951-1978 ....................... 24 7. Certaines institutions financières - Le mouvnent de croissance d'actif total, 1951-1978 ............................ 8. Total Assets of Selected Financial Institutions, 1978 .............. 25 8. Actif total do certaines institutions financires, 1978 .................... 25 9. Personal Savings in Selected Institutions, 1978 ................... 25 9. 9pargne personnelle dans certaines instItutions, 1978 ...................... 25 10. Personal Loans Outstanding by Selected Institutions, 1978 ....... 26 10. Créances personnelles actives dans certames institutions, 1978 ............ 26 11. Estimated Residential Mortgages Outstanding by Selected Financial Institutions, 1978 26 11 Estimations des hypothèques rCsidentielles impayCes par certalnes institutions financ1res, 1978 .............. 26 Tableau Table 1. Statistical Summary, 1978 ......... 28 1. Résumé statistique, 1978 ............... 28 iiowth Record of Local Credit nions, 1900-1978 ............... 30 2. Croissance des caisses locales depargne et de credit, 1900-1978 .............. 30 iiinber of Chartered Local Credit Unions, by Province, 1978 ....... 32 3. Nombre de caisses locales d'épargne et de credit a charte, par province, 1978 ................................. 32 . , :.J.L: 1alc i'agc 4. Local Credit Unions, Chartered Bank Branches and Trust Company Branches, by Province, 1978 32 LLI 4. Caisses locales d'épargne St de credit, succursales des banques C charte et des sociétés de fiducie, par province, 1978 .......................... 32 5. Local Credit Unions Classified by Asset Size, 1978 ................ 34 5. Classement des caisses locales d'Cpargne et de credit suivant l'actif, 1978 ... 34 6. Membership in Local Credit l'nions, 1978 ............................ 34 6. Nombre de soclétaires des caisses locales d'épargne et de credit, 1978 34 7. Membership Compared With Labour Force and Population, 1978 ...... 34 7. Nombre de sociêtaires compare a la population active et la population, 1978 34 8. Balance Sheets - Locals, 1978 36 8. Bilans - Locales, 1978 ................. 36 9. Common-size Balance Sheets - Locals, 1978 ...................... 40 9. Bilans sous forms de pourcentage - Locales, 1978 ............................ 40 10. Revenue and Expense Statements Locals, 1978 .................... 44 10. tats des revenus et dpenses - Locales, 1978 ................................. 44 11. Common-size Revenue and Expense Statements - Locals, 1978 ....... 46 11. tats des revenus et dCpenses sous forms de pourcentages - Locales, 1978 ...... 12. Undivided Surplus Statement Locals, 1978 .................... 48 12. tats des bënCf ices non répartis Locales, 1978 ........................... 48 13. tats des provisions (reserves) pour prats sur reconnaissance de dette douteux - Locales, 1978 .............. 4$ 48 14. 9tats des provisions (reserves) pour prts hypothécaires douteux - Locales, 1978 ............................ 48 13. Allowance (Reserves) for Doubtful Non-mortgage Loans Statement Locals, 1978 .................... 14. Allowance (Reserves) for Doubtful Mortgage Loans Statement - Locals, 1978 ...................... 15. Assets, Liabilities, Revenue and Expenses, by Size of Locals, 1978: Under $100,000 ................... 100,000-$ 249,999 .......... 250,000- 499,999 .......... 500,000- 999,999 .......... 1,000,000- 2,499,999 .......... 2,500,000- 4,999,999 .......... 5,000,000- 9,999,999 .......... 10,000,000- 24,999,999 .......... 25,000,000 and over ............. 50 50 52 52 54 54 56 56 58 Moms de $100,000 ..................... 100,000-$ 249,999 ............... 250,000- 499,999 ............... 500,000- 999,999 ............... 1,000,000- 2,499,999 ............... 2,500,000- 4,999,999 ............... 5,000,000- 9,999,999 ............... 10,000,000- 24,999,999 ............... 25,000,000 et plus ................... 50 50 52 52 54 54 56 56 58 16. Local Credit Unions, by Type of Association, 1978 .................. 58 16. Caisses locales d'épargne et de credit, par genre d'association, 1978 ......... 58 17. Loans Made - Locals, 1956-1978 ..... 60 17. Prts consentis - Locales, 1956-1978 ... 60 18. Loan Accounts - Locals, 1978 ....... 62 18. Comptes de prts - Locales, 1978 ........ 62 19. Purpose of Loans, 1978 ............. 64 19. But des prts consentis, 1978 ........... 20. Purpose of Loans Made as a Percentage of Total Loans, 1978 ......... 66 20. But des prts consentis, en pourcentage du total des prats, 1978 .............. $ 15. Actif, passif, revenus et dCpenses, sulvant l'itnportance des locales, 1978: $ • H L\i3L Hr H 21. Number of Credit Unions Offering Services, by Province, 1978 21. Nombre de caisses d'épargne et de credit assurant des services, par province, 1978 ................................. 68 22. Taux d'intCrt et de dividende des caisses locales d'épargne Ct de credit, par province, 1978 ................... 68 23. Nombre d'employés des caisses locales d'Cpargne et de credit, par province, 1978 ................................. 68 70 24. Avoir en d6p6ts moyen des caisses locales, par sociCtaire, par province, 1976-1978 ............................ 70 25. Rate of Growth of Book Equity, Per Local Credit Union Mernhtr, by Province, 1976-1978 ............. 70 25. Taux de croissance de l'avoir comptable des caisses locales, par sociétaire, par province, 1976-1978 .............. 70 26. Balance Sheets - Centrals, 1978 . 72 26. Bilans - Centrales, 1978 ............... 72 27. Common-size Balance Sheets Centrals, 1978 ..................... 76 27. Bilans sous fume de pourcentages Centrales, 1978 ......................... 76 •:venue and Expense Statement Centrals, 1978 .................. 80 28. Etats des revenus et des dépenses Centrales, 1978 ...................... 80 common-size Revenue and LxpcnSe Statement - Centrals, 1978 82 29. Etats des revenus et dépenses sous forme de pourcentages Centrales, 1978 .... 82 30. Estimated Statements of Undivided Earnings - Centrals, 1978 ....... 84 30. Etats estimatifs des bénéfices non rCpartis - Centrales, 1978 ............. 31. Statement of Estimated Allowance for Doubtful Loans and Reserve Accounts - Centrals, 1978 ....... 84 31. Etats estimatifs des provisions pour prts douteux et des comptes de reserve - Centrales, 1978 ............ 84 Selected List of Publications Relating to Credit Unions .................... 86 Liste de publications concernant les caisses d'Cpargne et de credit ................... 86 Provincial Credit Union Acts .......... 87 Lois provinciales des caisses d'épargne et de credit ................................ 87 Liste des responsables au gouvemnement provincial pour les caisses d'Cpargnc et de credit ................................... 88 68 22. Schedule of Interest and Dividend Rates of Local Credit Unions, by Province, 1978 .................. 68 23. Number of Employees of Active Local Credit Unions, by Province, 1978 68 24. Average Deposits and Equity, by Local Credit Union Members, by Province, 1976-1978 ............. . . - - - List of Provincial Government Officials of Credit Unions .................... - 88 - List of Officials of Central Credit Unions .............................. 90 Liste des responsables des caisses centrales d'épargne et de credit ................... 90 Statistics Canada Publications ........ 92 Publications de statistique Canada .......... 93 S 0 I :i• k DIT I I A iinciiI intrmedLrics, credit unions are considered unique. The credit union movement in Canada is based on the Rochdale cooperative principles, in essence that of self help. Local credit unions are owned and operated by members themselves. Most are single units, although In recent years there Is a growing trend towards the establishment of branch operations. In all cases, the geographical scope of their operations are highly localized. These two aspects are in sharp contrast to banks and trust companies which operate branch systems extending in most cases from coast to coast and to some extent into the hinterlands. Those credit unions with place of employment as the common bond have a further unique advantage of payroll deductions since this service Is not available to any other financial intermediaries. The Financial Institutions Section, Statistics Canada has been publishing an annual report on Credit Unions in Canada since 1966, Catalogue 61-209. For a number of previous years annual data was published by Agriilture Canada. Quarterly balance sheet data n credit unions have been published in the ratistics Canada publication, Financial In. Litutions, (Catalogue 61-006), since first larter 1967 and the income statement since irst quarter 1975. Les ciisss d'.i. 1 rL: L J I c1 - • djL d intermédlaires financiers uniques en leur genre. Au Canada, le mouvement des caisses d'épargne et de credit s'inspire des principes coopératifs de Rochdale, qui se résument a s'aider soi-mme. Les caisses locales d'Cpargne et de credit sont détenues et divisCs par les membres eux-m?mes. La plupart d'entre elles sont de simples unites autonomes, rnais les dernires annCes ont vu s'accrottre le nombre des succursales. Dans tous les cas, l'étendue géographique de leurs operations est trs localisée. Ces deux aspects les opposent nettement aux banques et sociétés de fiducie qui exploltent des succursales éparpillées fort souvent de l'Atlantique au Pacifique et parfols mme dans l'arriare-pays. Les caisses d'épargne et de credit dont le lieu d'emploi est Ce qul lie les membres offrent aussi cet avantage unique des retenues sur le salaire puisque ce service n'est assure par aucun autre intermédiaire financier. La Section des institutions financires de Statistique Canada publie un rapport annuel sur les Caisses d'Cpargne et de credit au Canada depuis 1966, no 61-209 au catalogue. Pendant longtemps les chlffres annuels ont été publiês par le ministère de l'Agriculture du Canada. Des données trirnestrielles sur les bilans des caisses d'Cpargne et de credit paraissent depuis le premier trimestre de 1967 et les données trimestrielles sur l'Ctat des revenus et dCpenses depuis le premier trimestre de 1975, dana la publication intitulée Institutions financires, (n o 61-006 au catalogue) de Statistique Canada. Local Credit Unions Caisses locales d'épargne et de credit Credit unions and Caisses Populaires, referred to as cooperative banks or financial Institutions are chartered under provincial legislation and are authorized to carry on credit union activities only within the respective provincial boundaries. As a result, the legislative controls relating to investments, interest rates, deposit insurance, statutory reserves, auditing and technical supervision may vary from province to province. Les caisses d'épargne et de credit (dont lea caisses populaires), appelCes aussi banques ou institutions financires cooperatives, sont constituCes en vertu d'une 101 provinciale et autorisdes a exercer leurs activitds spécifiques l'intCrieur de leur propre province. Par consCquent, les contr6les lCgislatlfs touchant le domaine des investissements, des taux d'intért, de l'assurance-dépét, des reserves statutaires, de la verification et de la supervision technique peuvent varier d'une province a une autre. Each local credit union Is an autonomous democratic entity, comprised of a group of individuals with a common bond of association, organized to provide its members with convenient savings and borrowing accomodations. As a result, each local organization directly reflects the financial and social needs of its :iembers since each is based on an association ;uch as residence in a community, employment • ri a certain organization or membership in an thnic group. To organize a cooperative bank, Chaque caisse locale est une unite autonome et ddmocratique, formée d'individus ayant un lien en commun, qui consent a ses membres des facilités d'dpargne et d'emprunt. Par consequent, chaque caisse locale reflate directement lea bosoms 11nanciares et sociaux do ses membres puisque chacune est fondCe sur un élément d'association tel que le lieu de residence, l'employeur ou le groupe ethnique. Pour mettre sur pied one banque coopérative, quelques personnes ayant élaboré des rglements acceptables n'ont qu'a faire une demande - 8 - a few people with some acceptable by-laws simply need only apply for a provincial charter. Membership in a local is gained usually by the payment of a nominal entrance fee, usually by the purchase of at least one share and each member is entitled to only one vote, regardless of the number of shares held. Local credit unions are affiliated with a provincial organization referred to as "Central", "Federation', "League" or "Regional". These centrals are also chartered under provincial legislation and owned by its local credit union members. de constitution a l'administration provinciale. On devient habituellement membre d'une caisse 1 cale en payant une cotisation nominale, d'ordinaire sous forme de part sociale, et chaque men: n'a qu'une voix, peu importe le nombre de parts qu'il détient. Les caisses locales sont affiliées a un organisme provincial appelë "centrale", "fédéraration", "ligue" ou "rgionale'. Ces "centrales' sont constitues en vertu dune loi provinciale et appartiennent a ses caisses membres affilies. The credit union movement in North America can be traced to Alphonse Desjardins, • journalist, when he unveiled his plan for • people's bank, the Caisse Populaire, credit unions in North America have had remarkable growth. From that humble beginning December 1, 1900 when 80 persons signed up as members with total deposits of $26.40 at Lvls, Quebec, the credit unions in Canada have had remarkable growth and today have over 9,000,000 members with total assets approaching $23 billion. Le mouvement des caisses d'pargne et de credit en Amérique du Nord fut lance par un journaliste du mom d'Alphonse Desjardins, lorsqu'il dttvoila son projet de créer une banque du peuple, la caisse populaire. Depuis ce 1er décembre 1900, ott 80 personnes sont devenues membres et ont dépose la somme totale de $26.40 a Levis (QuCbec), les caisses d'Cpargne et de credit au Canada ont connu un essor remarquable; aujourd'hui, elles comptent plus de 9,000,000 membres avec un actif total approchant $23 milliards. Credit unions grew most rapidly during the 1940's and 1950's and by 1965, the number of credit unions peaked at just over 5,000. Since then, credit unions have tended towards mergers and branch operations, with the result that the number of charters decreased to 3,868 by the end of 1978. Le nombre de caisses d'épargne et de credit a augmenté rapidement au cours des années 40 et 50, atteignant un sommet de 5,000 en 1965. Or fusions et 1' Ctahl I ssement de euccursales, ont ramené le nombr I a la fin de 197. Several credit unions have grown into veritable financial conglomerates, allowing the individual to do all his banking and financial business under one roof. At such local credit unions, the individual can obtain real estate brokerage services, purchase life insurance and other types of insurance, obtain advice on security investments, purchase or sell mutual fund shares, leave funds in trust, buy Canada Savings Bonds, money orders and travellers cheques and rent safety deposit boxes. Other financial services include personal chequing accounts, savings programmes such as term deposits, retirement savings plans and home ownership savings plans, loan programmes such as revolving credit, personal loans, first and second real estate mortgages, business loans and student loans. While credit unions continue actively in the personal loans area, they are rapidly expanding their mortgage lending activities. Plusieurs caisses d' argnc et de credit sont devenues de véritables conglomérats financiers of frant sous un mime toit toute une gamme de services bancaires et financiers a l'intentlon des particuliers: on peut y effectuer des opérations immobiliares, acheter de l'assurance-vie ou tout autre genre d'assurance, obtenir des conseils en matlare de placements mobiliers, vendre ou acheter des actions de sociCtCs a capital variable (fonds mutuels), laisser des sommes en fiducie, acheter des obligations d'épargne du Canada, des mandats et des chaques de voyage et louer des coffrets de sOretC. Les autres services financiers comprennent les comptes de chttque personnels, les programmes d'Cpargne tels que les d6p6ts a terme. les regimes d'Cpargne-retraite et et les regimes d'épargne-logement, les programmes de prets comme le credit par acceptation renouvelable, les prts personnels, les hypothques immobilières de premier et deuxiame rang, lea prts commerciaux et les prts aux Ctudiants. MCme si lea caisses sont toujours actives dans le domaine des prCts personnels, dies développent rapidement le champ des prts hypothécaires. Credit Unions across Canada are highly innovative. In the west, the centrals established the Northland Bank, which has its head office in Winnipeg. In Quebec, the Société d'jnvestjssement Desiardins was established to Les caisses d'épargne et de credit innove-nt grandement. Dams les provinces de l'Ouest, lee caisses centrales ont Ctabli la Norbartque, qul son siage social a Winnipeg. Au Québec, la Société d'Investissement Desjardins a été étahli . -9- concentrate primarily on investment activities, and by year-end 1978 Its assets had risen to over $126 million. A rapid rate of growth, combined with the necessity to access sources of capital outside of the system, led to the decision to establish the Credit Industriel Desjardins. The CID is primarily responsible for making loans to small and medium sized businesses and is also becoming involved in finance leasing and conditional sales contracts. en vue de porter une concentration sur les activitées de placements. A la fin de 1978 l'actif total avait augmenté a $126 millions. Suite a une croissance rapide et la nCcessité d'avoir accès aux sources de capital l'extérieur du système, la decision fut prise d'établir la sociCté Credit Industriel Desjardins. L'activité principale du CID consiste a faire des prts aux petites et moyennes entreprises. Le CID fait également du credit-bail et des contrats de vente conditionnelle. A national co-operative education institution was established in Saskatoon, Saskatchewan in October 1973, when the Co-operative College of Canada received a federal charter. The innovative and dynamic nature of the credit union in Canada is best exemplified by the Complexe Desjardins, a giant multi-million dollar project in the heart of Montréal. This complex was built in partnership with the provincial government and provides office space for government, the centrals and business; a first class hotel; restaurants from first class, right down to take-out service; shops, boutiques, groceries and department stores; family and community services; and entertainment. All of these arc tinder one enclosed roof. Par un acte de l'administration fédérale, le college co-opératif du Canada a Saskatoon (Saskatchewan) est devenu en octobre 1973, un établissement national d'enseignement coopératif. On ne saurait mieux décrire le caractère innovateur et dynamique des caisses d'épargne et de credit au Canada que par le Complexe Desjardins, gigantesque construction érigée a grands frais au eoeur de Montréal. Réalisé en collaboratien avec l'administration provinciale, cet immeuble loge sous un mtme toit des services gouvernetsentaux, les caisses centrales des bureaux d'affaires, un h6tel de premier ordre, des restaurants de tous genres allant du plus chic au casse-croflte, des magasins, des boutiques, des épiceries et des grands magasins, des services pour la famille et la collectivité et des licux de divertissement. ith this rapid growth, particularly griwth towards larger institutions, has nec expanded powers. The Residential Mortgage Financing Act 1973 authorizes local credit unions to purchase and sell NRA mortgages and to take deposits from and sell short-term debt obligations to the Federal Mortgage Exchange Corporation. Credit Union managers may act as guarantors for passport purposes. Cette croissance rapide, axée en particulier sur la creation des grosses institutions, s'est accompagnée d'un élargissement des pouvoirs. La Loi de 1973 sur le financement des hypothèques grevant des propriétés résidentielles a autorisé les caisses locales d'épargne et de credit a acheter ou a vendre des hypothèques consenties aux termes de la LNH et de vendre des titres de créance court terme a la Bourse fédérale d'hypothèques et d'en accepter des dCp6ts. Les directeurs des caisses peuvent donner leur caution aux demandes de passeports. The revised Bank Act, if and when it becomes legislated, is expected to provide for the establishment of a new and broader cheque clearing vehicle than exists today under the chartered banks. Presumably, it will be known as the Canadian Payments Association. The basic objective of the bill would be to provide financial intermediaries with banking type activities (banks, credit Unions, trust companies, etc.) with direct and equal access to the cheque clearing association. The credit union system is currently gearing up for its participation through the leadership of the Canadian Cooperative Credit Society (CCCS). In Quebec, the provincial evernment passed in 1979 a special law providing for the creation of the new organizatcn, La Caisse Centrale Desjardins du uébec. This organization would provide the )csjardins credit union system with much the Si elle est adoptée, la nouvelle Loi sur lee banques devrait établir un nouveau système de compensation des cheques, plus large que le système actuel des banques a charte. Ce système aurait comae mom l'Association canadienne des paiements. Son objectif fondamental serait de permettre aux institutions financières exerçant des fonctions bancaires (banques, caisses d'épargne et de credit, sociêtés de fiducie, etc.) d'tre membres a part entière de l'association de compensation des chèques. Les caisses d'êpargne et de credit envisagent d'y participer sous Ia gouverne de la Soclété cooperative canadienne de credit (SCCC). En 1979, le gouvernement provincial du Québec a adopté une loi spéciale créant La Caisse centrale Desjardins du Québec. Cet organisme fournira aux caisses Desjardins des services financiers semblables ceux que Is SCCC donne a ses membres des autres provinces, notamment Is participation a l'Associadon canadienne des paiements, done l'accCs aux ic - 10 - same kind of financial services which CCCS provides its member organizations in all the other provinces. These financial services include: participation in the Canadian Payment Association obtaining access to both federal and provincial government deposits, and direct and active participation in financial markets. d6p6ts des administrations fédérale et provincialea, et la participation active et directe aux chés financiers. During 1979, the credit union movement signed an agreement through which credit unions would be able to offer Master Charge credit cards to their nenbers. Thus by January 1981, credit unions expect to have in place an internationally recognized payment card system, another indication of their approach towards full financial services. En 1979, le mouvenient des caisses d'épargne et de credit a signé une entente en vertu de laquelle les caisses pouvaient offrir les services de la carte de credit Master Charge leurs clients. Ainsi, en janvier 1981, les caisses d'épargne et de credit esprent avoir établi un système internationalement reconnu de cartes de credit, autre pas vers la gamme complete des ser vices financiers. With the introduction of the amended Income Tax Act on January 1, 1972 credit unions became taxable in a way similar to other financial institutions. 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 deductible expense against taxable income. Under the Act, reserves allowed credit unions for tax purposes will be the same as those permitted other financial institutions. Par suite d'une modification de la Loi de l'impôt sur le revenu, les caisses d'épargne et de credit ont été assujetties è la Lol, le 1er janvier 1972 au méme titre que les autres institutions financières. Le capital social des caisses d'épargne et de credit eat jugé semblable aux dépôts auprCs d'autres institutions et ainsi tous les paiements de dividendes sur cc capital sont considdrds connie uric ddpense deductible du revenue imposable. Aux termes de la Loi, lea réserves pour imp6ts des caisacs d' parcine It (le credit seront celles qu's institutions financières. As mentioned, Quebec was the place where credit unions were initiated on the North American continent and by 1907, the province had legislated the Quebec Cooperative Syndicates Act. The early 1930's depression, with its jarring hardships, provided a strong stimulus to the cooperative movement in this country. By that time Nova Scotia was quickly becoming the focal point of credit union development in the English-speaking parts of Canada, and in 1932 it became the first province to bring in a Credit Union Act. Most provinces followed shortly thereafter and by 1944 the Saskatchewan Government established the Department of Cooperation and Cooperative Development, the first publicly sponsored credit union agency in the Commonwealth. With the full backing of this government department behind it, the credit union movement in Saskatchewan surged into a vanguard position among the English provinces. On 1' a d it plus hauL, is Q11L , bcc lu L I 'sad ro i oi lea caisses d'êpargne et de credit ont vu le jour sur Ic continent nord-américain et en 1907, Ia province adoptait uric Loi sur les syndicats coopératifs. La depression des annCes 30, avec ses dures épreuves, a dome une forte impulsion au mouvement coopCratif dana le pays. Le Nouve1le-cosse eat vite devenue le point de mire du développement des caissea d'épargne et de credit au Canada anglais, et en 1932 elle devint la premiere province a instituer une Loi sur lea caisses d'épargne et de credit. La plupart des provinces emboitèrent bientét le pas et en 1944 le gouvernement de la Saskatchewan crCait le ministère de la cooperation et du ddveloppenient coopdratif, le premier organisme public chapeautant lea caisses d'epargne et de credit dana le Commonwealth. Gréce C l'appui entier de cc ministère, le mouvement des caisses d'épargne et de credit de la Saskatchewan a tellement grandit qu'il rivalise aujourd'hui avec le Québec pour la direction du mouvement des caisses d'Cpargne et de crédit au Canada. Provincial Centrals These organizations Consist of centrals, regionals, leagues or federations chartered or registered under provincial legislation (Credit Union Act). These provincial centrals are established and owned by the individual autonomous credit unions in the province. Each of these provincial centrals is also independent of centrals in other provinces. I Centrales provinciales Ces organismes comprennent les centrales, les régionales, les ligues ou fédérstions constituées ou enrégistrées en vertu d'une loi provinciale (LoL sur lea caisses d'épargne et de credit) . Ces contrales provincialea sont instituées et possédése par les caisses d 1 6pargne et de credit autonomodans la province. Chacune de ces centrales pro a dales est Indépendante des centrales des autres S - 11 central's primary functions are to provide .als with services that they could not ure from any other source, to streamline ::ic local's operation, and generally to extend toe local's usefulness and effectiveness to its members. This, of course, includes the investment of surplus funds and the lending of funds to its member locals. In Canada, credit unions are permitted to invest and deposit their statutory liquidity reserves and other surplus funds with their provincial central. Most of these liquidity reserves are now being placed in the centrals. To accommodate these funds, the centrals maintain a variety of demand and term deposit accounts. Funds required by the central in addition to those provided by Its local members are obtained through borrowings from the banks and more recently from the national central. They act as intermediaries between locals and the chartered banks In the clearing of cheques and also administer the on-line computer service which is now being introduced in many of the provinces. The 1973 amendment to the Federal Cooperative Credit Associations Act extended the objects and powers of a central to accept deposits, make loans, borrow, act as agent and invest its funds. It also brought the investment powers of centrals into line with those of loan, trust and insurance companies. 'oder section 87 of this Act, the Canada Deposit Insurance Corporation is authorized to act as a lender of last resort to a provincial central by providing emergency liquidity funds to credit unions and also by providing deposit insurance for credit union members. While not all centrals provide the same range of services, as a group their services would include promoting desired credit union legislation, organizing credit union locals, assisting locals in the organization of their accounting and filing systems, providing officer and member education and providing coordinated leadership to credit unions and cooperatives in the planning and development of new and improved member services. They also provide such services as examinations and inspection, management consulting, insurance, and promotion and advertising. Various administrative and supplementary services such as investment, interest rate, cash flow and economic forecasting assistance, market research, taxation information, business loans advice, personnel recruitmenl and training, employee health, welfare and pension ben. efits, data processing, printing and stationery services, systems procedures and develop:nent, communications and public relations, provinces. Le r6le premier de la centrale est d'assurer aux caisses locales des services qu'elles ne peuvent se procurer alleurs, de rationaliser leurs operations et en général d'accrottre leur utilité et leur efficacité auprès de leurs membres. Elle s'occupe de placer les excédents de fonds et de consentir des prts a ses membres, les caisses locales. Au Canada, on permet aux caisses d'épargne et de credit de placer et de déposer leurs réserves liquides obligatoires et autres excédents auprs de leur centrale provinciale. C'est ce que font la plupart des caisses maintenant. Les ceotrales inaintiennent a cette fin une diversité de comptes de dépéts 5 vue et 5 terme. Les besoins de fonds des caisses centrales, en sus de l'apport des membres sont satisfaits au moyen d'emprunts auprs des banques et plus récemment auprs de la calsse centrale nationale. Elles agissent a titre d'intermédiaires entre les caisses locales et les banques a charte dans la compensation des chaques et gèrent le service de télétraitement qui s'implante dans bien des provinces. La modification apportée en 1973 a la Loi fédérale sur les associations cooperatives de crédit a étendu les buts et les pouvoirs d'une centrale de maniare a lui permettre d'accepter des dép&ts, de consentir des prts, d'etnprunter, d'agir a titre de mandataire et d'investir ses foods. Elle a eu aussi pour effet de rapprocher les pouvoirs d'investissement des centrales, de ceux des sociétés de prts, de fiducie et d'assurance. L'article 87 autorise la Société d'assurance-dépts du Canada a agir coinme prteur ultime des caisses centrales provinciales en offrant des liquidités aux caisses d'épargne et de credit dams des cas d'urgence ou une assurance-d6p6t aux membres des caisses. Bien que toutes les centrales n'offrent pas la m?me gainnie de services, leurs services sont axes dans l'ensemble sur l'amélioration des lois concernant lee caisses d'épargne et de credit, l'organisation de caisses locales, l'aide apportée a la inise sur pied de la comptabilité et du systeme de classement des caisses locales, l'éducation des officiers et des membres et la coordination, pour les caisses d'épargne et de credit et les coopératives, de la planification et de la mice au point de services nouveaux et améliorés a l'intention des membres. Elles offrent d'autres services tels que la verification et l'inspection, la consultation en matiare de gestion, l'assurance, la promotion et la publicité. Les membres bénéficient également de divers services administratifs comme l'aide en matire de placement, de taux d'interat, de capacité d'auto-financement et de previsions économiques, les etudes de marché, l'information fiscale, les consejls touchant les prats commerciaux, le recrutement et la formation du personnel, les régimes de sante, de prévoyance et de pension des employés, le traitement des données, l'iinpression - 12 - legislative representations and information, and housing development programmes are available to their members. Subsidiary services such as residential and commercial real estate lending facilities are available through the centrals. Real estate subsidiaries will acquire, develop, lease and manage real estate and leaseholds primarily to provide housing for members of credit unions and to assist credit unions with the acquisition and development of their office premises. et la papeterie, le développement des systèm les communications et les relations pub1ique, les doléances et l'information de caractère I latif, et enfin les programmes d'habitation. D services auxiliaires tels que les prts pour propriétès résidentielles et commerciales sont offerts par les caisses centrales. Des filiales se chargeront d'acquérir, d'aménager, de louer et de gérer des biens immobiliers et des propriétés louées bail dans le but principal d'aider les sociétaires des caisses d'épargne Ct de credit è se loger et les caisses acquérir et amdnager des locaux. In most provinces there is only one central institution but some provinces have several, each having its own local credit union membership. Dans la plupart des provinces, il n'y a qu'une institution centrale, mais ii peut en exister plusieurs dans certaines provinces, chacune dominant ses propres caisses locales d'épargne et de credit. National Central La centrale nationale In Canada, the credit union movement has the autonomous local credit unions operating at the provincial levels. They organized their own provincial centrals which they own and control and which are chartered under provincial Credit Union Acts. To improve their ability to meet financial and other service need and to coordinate the use of resources throughout the entire credit union system, the credit unions have established a third tier organization at the national level, known as the Canadian Cooperative Credit Society Limited (CCCS). This organization was incorporated under federal legislation. Au Canada, les caisses locales d'épargne et de credit soot autonomes et leur champs d'action est la province. Elles ont institud en vertu de lois provinciales leurs propres centrales provindales qu'elles possèdent et contr6lent. Pour rnieux répondre aux besoins en services financiers et autres et coordonner l'emploi des ressources dans tout le système des caisses d'épargne et d credit, celles-ci ont créC un organisme centrfl au niveau national, la Société cooperative c. dienne de credit (SCCC). Cet organisme a constitué par l'entremise d'une loi fédéralo. In 1976, NACCU and the Canadian Cooperative Credit Society (CCCS) merged and under the new structure, CCCS is to operate as the financial intermediary. The primary purpose of CCCS is to pool excess funds in the credit union system across the nation and to provide funds for liquidity purposes to credit unions through their provincial centrals. It also has the potential to provide financing to non-financial cooperatives, either directly or by coordinating the investment functions of cooperative trust, insurance and pension funds. En 1976, l'association nationale des caisses d'économie canadienne (ANCEC) et la Société cooperative canadienne de credit (SCCC) se fusionnèrent et dans la nouvelle structure, SCCC est, devenue l'intermédiaire financier. Le but premier de SCCC est de fournir des liquidités aux caisses d'épargne et de credit par l'entremise de leurs caisses centrales provinciales. Elle peut aussi assurer le financeinent de cooperatives non financières, soit directement, soit en coordonnant les placements des caisses en fiducie, d'assurance et de retraite des cooperatives. CCCS also provides non-financial services at the national level, including communications within the credit union system, between credit unions and other cooperatives and with governmental and non-governmental agencies. In 1976, CCCS established an office in Ottawa to monitor federal government activities and legislation, to provide a liaison with federal officials, and to provide members with access to information respecting legislative and other developments at the federal level. The improvement of data processing services throughout the credit union system has been undertaken by a national data processing coordinator. La SCCC continuera d'assurer des services non financiers au niveau national, notamment les communications au sein du mouvement des caisses d'épargne et de credit, entre les caisses d'êpargne et de credit et les autres cooperatives et avec les organismes des secteurs public et privé. En 1976, la SCCC a ouvert un bureau a Ottawa afin de suivre de près l'activitd administrative et legislative du gouvernenent fédéral, de se tenir en contact avec les fonctionnaires fédéraux et de domner aux socitaires des renseignements relatit aux lois et aux decisions de competence fédéralo. L'anélioratlon du traitetnent des données dams le système des caisses d'épargne et de credit a CtJ conflée a un coordonnateur national. is S - 13 - Other functions of CCCS include a national marketing and advertising program to promote the Canadian credit union movement, research and planning, developmental services and support for international credit union development. CCCS works closely with the Canadian International Development Agency (CIDA) through matching funds to assist in the development of cooperative banks and other cooperative ventures in the underdeveloped nations abroad. World Council . Le conseil mondial At the pinnacle of the credit union movement is the World Council of Credit Unions (WOCCU), an international body dedicated to extension and education, which was formed in 1971 with headquarters at Madison, Wisconsin. CCCS is the Canadian member in this world organization. WOCCU has developed programs in such areas as: technical services to make credit unions more effective; technical assistance programs designed to improve the efficiency of financial resources; and educational information. Priority is given to the development and organization of credit unions for low income farmers in the rural areas of less 1eve1oped countries. Under these programs credit unions in North America undertake to aake foundation loans and to provide the techtilcal assistance to the new cooperative banks in these underdeveloped nations. Au somniet du mouvement des caisses d'épargne et de credit se trouve le Conseil mondial des caisses d'économie, un organisme international voué a l'expansion et A l'éducation. Fondé en 1971, il a son sige social a Madison, au Wisconsin. La SCCC reprCsente le Canada au sein de cette organisation mondiale. Le conseil a mis au point divers programmes, dont une aide technique visant a accroftre l'efficacité des caisses d'épargne et de credit et a rationaliser l'emploi des ressources financières, ainsi quo l'information de caractère Cducatif. On donne la priorité a l'expansion et a l'organisation de caisses pour les agriculteurs des pays en dCveloppement. Les caisses d'épargne et de credit de l'Amérique du Nord prtent lea capitaux de premier établissemont aux nouvelles banques cooperatives dans ces pays et leur of f rent une aide technique. Credit unions linked to the World Council of Credit Unions in 1979 had a membership of approximately 60 million people in 67 countries. The largest membership is in the United States of America with over 44 million. Canada has nearly 9.5 million, or one credit union member for every third person in this country by far the heaviest penetration of any country in the world. The 44,321 credit unions tied in with WOCCU had assets of over $93 billion in 1979. Membership in all credit unions in the world amounts to nearly 123 million with total assets of $100 billion in over 78 countries. Les caisses d'épargne et de credit qui adhéraient au Conseil rnondial des caisses nile en 1979 totalisaient pras de 60 millions de membres répartis dans 67 pays. Les Etats-Unis d'Amêrique comptent le plus grand nombre de membres, soit un peu plus de 44 millions. Avec pras de 9.5 millions, le Canada eat le pays oi la proportion eat de loin la plus forte au monde, soit un sociétaire pour trois habitants. Les 44,321 caisses d'ëpargne et de credit associées au Conseil mondial des caisses d'économie possCdaient un actif de plus de $93 mulliards en 1979. L'ensemble des caisses d'Cpargne et de credit dana le monde représente prés de 123 millions de membres et un actif de $100 milliards dana plus de 78 pays. National Trends The trend towards fewer but larger credit unions continued as 1978 found itself with 70 fewer credit unions than in the previous year and with 11 more inactive credit unions. On the other hand, credit unions are fast becoming Larger with 1,062 now over $5 million in total assets which is 139 more than in the previous "ear, an increase of 15.1%. The category with the largest number of credit unions is the . La SCCC s'occupe également de la promotion du mouvement des caisses d'épargne et de credit a l'echelle nationale, des fonctions de recherche et de planification et des services de perfectionnement; elle donne son appui au développement international des caisses d'dpargne et de credit. Elle collabore étroitement avec l'Agence canadienne de développement international (ACDI), par une contribution financiCre correspondante, a la mise sur pied de banques cooperatives et autres entreprises de cooperation dans les pays en développement. Tendances nationales La tendance a la baisse du nombre et a l'accroissement de la taille des caisses d'Cpargne et de credit s'est poursulvie en 1978 en effet le nombre de caisses a diminuC de 70 et celui de caisses inactives a augmentC de 11. Par centre, les caisses d'épargne Ct do credit grossissent rapidement car 1,062 d'entre elles, soit 139 de plus que l'année prdcédente, ont maintenant un actif global supérieur a $5 millions. C'est une - 14 - $1,000,000 to $2,499,999 stratus and there are more credit unions with total assets above $2,499,999 as there are below $1,000,000. augmentation de 15.1 %. La catégorie qui compt. le plus grand nombre de caisses d'épargne et de credit est la tranche de taille qui so situe enti. $1,000,000 et $2,499,999 et 11 y a plus de cais d'Cpargne et do credit dont l'actif total est supérieur a $2,499,999 qu'il y en a sous $1,000,000. Membership in credit unions increased by 5.9% to 8,905,173 members while total assets rose for the third consecutive year (by 22.7%) to $23 billion. The average number of members per credit union increased by 8.0% to 2,302 and on average each member had equity and deposits amounting to $2,491 for an increase of 15.2% over the previous year. Le nombre de membres des caisses d'épargne et de credit a augmentC de 5.9 % pour atteindre 8,905,173 membres, tandis que l'actif global nontait pour la troisième année de suite (de 22.7 %) pour s'établir a $23 milliards. Le nombre moyen de membres par caisse s'est accru de 8.0 % jusqu'a 2,302 et en moyenne, chaque membre possédait des parts sociales et des economies totalisant $2,491 soit 15.2 % de plus quo l'année précédente. Rate of return to members increased 0.5%, to 6.4% from 5.9% in the previous year. Pendant la mme période, le taux de rendement pour les membres a accuse une hausse de 0.5 7., soit de 5.9 % a 6.4 7.. Mortgage loans increased to 46.8% of total assets from 45.2% in the previous year; cash loans increased to 27.1% of total assets from 26.7%. Investments decreased from 15.1% to 12.1% of total assets. Deposits by members increased to 78.0% of total assets from 77.8% in the previous year. La proportion de l'actif global constituée de prts hypothécaires représente près de 46.8 7. comparativement a près de 45.2 7., l'année précédente; les prts en espkes ont augmenté do 26.7 7. de l'actif global 1 27.1 7.. Les placements ont baissé de 15.1 7 a 12.1 7. de l'actif global. Les d6p6ts des membres ont atteint 78.0 7. de l'actif global a partir de 77.8 7 un an plus t6t. There are about two credit unions for every three branches of chartered banks and about five 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'dpargne t de credit pour trois succursales bancaires et ci. caisses pour chaque succursale de sociétC de fiducie. Au Québec, ii y a plus de caisses d'épargne et de credit que de succursales de banques charte et de sociCtés de fiducie réunies. Provincial Trends Tendances provinciales British Columbia Colombie-Britannicue Membership in credit unions increased by 2.9% to 894,325 members or to 74.1% of the labour force at the end of 1978. Total assets increased significantly to $3,691 million or by 28.6%. A large portion of this increase was invested in mortgages which now accounts for 72.3% of total assets as against 70.5% in 1977. Le nombre de sociétaires des caisses d'épargne et de credit a augmenté de plus de 2.9 7. pour s'Ctablir a 894,325 membres, soit presque 74.1 7. de la population active, a la fin de 1978. L'actif global a augmenté d'environ 28.6 7. pour atteindre $3,691 millions. Une grande partie de cette augmentation était imputable aux hypothaques au titre de l'habitation, qui représentaient 72.3 7. de l'actif global comparativement a 70.5 7. en 1977. Alberta Al hprri Membership rose by over 17.8% to 432,990 members or to 45.5% of the labour force. Total assets rose by 35.7% to $1,427 million. Loans have increased by $325 million or 38.5% to a total of $1,170 million; residential mortgages represent 39.4% of the total Outstanding loans. Le nombre de sociétaires a progressé de plus de 17.8 7. pour s'établir A 432,990 membres, soft presque 45.5 7. de la population active. L'actif global a auginenté d'environ 35.7 7. pour s'établir a $1,427 millions. Les prts ont enregistrC unt augmentation de $325 millions ou 38.5 7. pour atteindre $1,170 millions. Los hvpothqus an de l'habitaLior rci- si[r[ IJ t i tjl I des prats. - 15 - oskatchewan . Saskatchewan Membership continued to increase in 1978, reaching 518,085 members at the end of December 1978, representing over 54.3% of the total population of the province. Assets rose substantially, up 17.9% to over $2,081 million, with investments showing a 24.8% increase and mortgage loans a 44. 1% increase. On the liability side, the largest increase came in demand deposits which rose 24.8%. Le nonibre de sociétaires a continue son accroissement pour s'établir a 518,085 nembres Ia fin de 1978, soit 54.3 % de la population de la province. Les actifs ont progressé d'environ 17.9 % pour atteindre presque $2,081 millions. Les placements ont augmenté de 24.8 % et les prts bypothécaires de 44.1 %. Du côté du passif ce soot les d6p6ts vue qui ont le plus augmenté soit 24.8 %. Manitoba Manitoba Membership in credit unions rose by almost 5.9% to 351,926 members or to over 73.9% of the labour force. Total assets increased by nearly 19.5% to almost $1,142 million. Most asset items increased with residential mortgages showing the highest dollar amount. Deposits rose by over 19.67 which provided the majority of the funds used in creating additional assets. Le nombre de soclétaires des caisses d'épargne et de credit a augmencé d'environ 5.9 % pour s'établir a 351,926 menbres, soit plus de 73.9 % de la population active. L'actif global a progressé d'environ 19.5 % pour atteindre presque $1,142 millions. La plupart des postes de l'actif ont enregistre une augmentation; en particulier ce sont les hypothaques au citre de l'habitation qui niontre la plus haute valeur. Les d6p6ts se soot accrue de plus de 19.6 %; cet accroissement était surtout imputable Zi des capitaux destinés b la creation de nouveaux actifs. Ontario ('lnr,rir The number of active credit unions and 'isses Populaires in Ontario continued it' downward trend to reach 1,130 as at December l, 1978. Membership rose during 1978 over Lhe previous year by 6.9% to 1,716,000 meners, or about 40.4% of the labour force and -lightly over 20.2% of the total estimated population of Ontario. The total value of credit union assets reached $4,227 million (an increase of 23.5% over 1978) accounting for 18.2% of the national total. While all asset items showed significant gains, the largest in terms of dollars, was personal cash loans for an increase of $257 million. Le nombre de caisses d'Cpargne et de credit actives en Ontario a continue sa baisse en 1978, diminuant jusqu'à 1,130. Le nombre de soclCcaires a augmentC de 6.9 % pour s'établir 1,716,000 rnembres, soit 40.4 % de la population active et environ 20.2 % de la population de la province. L'actif global a progressé d'environ 23.5 % pour atteindre $4,227 millions, soit 18.2 % du total national. Bien que tous les postes de l'actif aient enregistré une augmentation, ce sont lee prats personnels sur reconnaissance de dette qui ont le plus augmenté en valeur absolue, soit une augmentation de $257 millions. Quebec Québec Membership rose by 5.0% to 4,598,516 members or to 162.1% of the labour force in the province. Total assets rose 20.2% to approximately $10.1 billion, over 43.6% of the national total. Most major assets increased with residential mortgage loans rising by 30.7% and personal cash loans by about 11.0%. Most of these increases in assets were financed by deposits which rose by almost $1,200 million or by 17.0% and share capital which rose by almost $376 million or 44.2%. Le nombre de sociétaires a augmenté de 5.0 % pour s'établir a 4,598,516 membres, soit environ 162.1 % de la population active de la province. L'actif global a progressé de 20.2 % pour s'élever a $10.1 milliards, plus de 43.6 % du total national. La plupart des postes de l'actif ont enregistré une augmentation, en particulier les hypothaques au titre de l'habitation (30.7 %) et les prts personnels sur reconnaissance de dette (11.0 %). La plupart des auginentations des postes de l'actif ont été finances par les dép&ts qui ont augmenté de presque $1,200 millions, soft 17.0 % et le capital social qui a augmenté de presque $376 millions, soit 44.2 %. brjtiswick Nouveau-Brunswick • 'lonbership rose 7.8% to 198,259 members Le nombre de sociétaires a augmentA de 7.8% :Io-e to 71.8% of the labour force. Total pour atteindre 198,259 membres, soit environ 71.8 % O4SCLS increased by nearly 23.3% to $282 mil- de la population active. L'actif global a auglion. Most of the funds went Into loans, menté d'environ 23.3 % pour s'établir A $282 milwith $20.2 million going to personal loans lions. La plupart des foods ont été places dans - 16 - and $21.6 million going to mortgage loans. Total loans amounted to 79.6% of total assets. les prts, dont $20.2 millions dans les prPt sonnels et $21.6 millions dans les hypothqu Le total des prts reprdsente 79.6 % de l'act I global. Nova Scotia Nouvelle-cosse Membership rose by 7.0% to almost 161,513 members or to nearly 46.3% of the labour force. Total assets increased by nearly 11.8% to almost $190 million with most of the funds going into personal loans. Le nombre de socidtaires a augmentd d'environ 7.0 % pour atteindre 161,513 membres, soit environ 46.3 % de la population active. L'actif global a progressé d'environ 11.8 % pour s'établir a $190 millions. La plupart des capitaux ont étd places dans los prts personnels. Prince Edward Island Ile-du-Prjnce-Edouard The number of members increased by 6.2% to 22,480 representing 45.0% of the labour force. Assets increased by 24.4% to $29 million, almost all of which represents loans to individual members. Le nombre de sociCtaires a augmenté d'eriviron 6.2 % pour s'établir A 22,480 membres, soit 45.0 % de la population active. L'actif global a progressC d'environ 24.4 % pour s'établir A $29 millions. Presque toute cette augmentation Ctait constituée par des prAts aux membres. Newfoundland Tprrr—Np,,, The number of members increased by 5.7% to 11,079 or about 5.8% of the labour force. Total assets increased by almost 39.7% to close to $24 million, of which 56% represents personal loans. The growth in assets was financed by share capital which increased 22.3% and deposits which increased 50.4%. Le nombre de membres a augmentC de 5.7 % pour s'établir a 11,079 membres, soit environ 5.8 % de la population active. L'actif global a augmentC d'environ 39.7 % pour atteindre $24 millions, dont 56 % sous forme de préts personnels. L'accroisseinent des actifs a Ctd financ( par l'augmentation des d6p6ts (50.4 2). Standardization of Statistics NormalisaL.: After extensive research by a national statistical committee of officials of provincial governments and Statistics Canada, a standardized questionnafre was officially accepted and approved for use by all provinces at the 14th Interprovincial Conference of the National Association of Administrators of Co-operative Legislation (NACCL) in June 1967. At annual conferences, NACCL has approved from time to time, amendments to up date the questionnaire which was put forth by the Statistical Committee. As a result, these updated and uniform questionnaires continue to improve the soundness of the financial and economic data on Credit Unions in Canada. Par suite de recherches intensives mendes par un comitd national do la statistique mphquant des officiels des gouvernrions provinclaux et do Statistique Canada, 1'Association nationale des administrateurs de la legislation cooperative, hors de sa 14e conference interprovinciale en juin, a approuvd officielleinent l'utihisation d'un questionnaire uniforme pour toutes les provinces. A sa conference annuel ANALC appuie de temps A autre des modifications proposées au questionnaire par he comitd de la statistique. Le nouveau questionnaire revise a rehaussC davantage la qualité des donnOes financiAres sur les caisses d'épargne et de credit au Canada. This same committee in association with the CCCS committee has established recently standard measures of liquidity for credit unions across Canada. Ce mAne comité, de concert avec he comitd de ha SCCC, A rCcemment dtabhi des mesures uniformes de la hiquidité pour les caisses d'Cpargne et de credit au Canada. Methodology 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. Mha,r1 )ans ha plupart des provinces, he ministAre qui surveille l'activité des caisses d'dpargne et de credit recueille des données trjjnestrielles tL annuelles auprAs des caisses autorisdes A faire affaire dans la province. Il fait les totalisations et communique A Statistique Canada les r(sultats pour l'ensemble de ha province sur ha fi mule normalisCe. . - 17 - In Ontario, Ontario Share and Deposit :I-urance Corporation (OSDIC) collects and oinpiles the data and submits the aggregates to Statistics Canada. In Quebec, the centrals collect and compile data from their respective local credit union members. Each of the centrals submits data to the Quebec Bureau of Statistics which in turn submits data to Statistics Canada. En Ontario la sociétë Ontarienne d'assurance des actions et d6p6ts (SODAD) recueille et compile les données et remet ensuite les agrégats a Statistique Canada. Au Québec, les centrales recueillent et compilent les données de chacune de leurs caisses d'épargne et de credit. Chaque centrale communique les résultats au Bureau de la statistique du Québec qui les achemine A son tour Statistique Canada. Statistics Canada in turn analyses the provincial returns and compares with other provincial returns and previous annual data. After resolving inconsistencies, Statistics Canada proceeds to publish tht annual report for credit unions by provinces and by Canada totals. The quarterly series are compiled and published in Financial Institutions, Financial Statistics, Statistics Canada (Catalogue 61-006). Statistique Canada analyse les declarations des provinces et les compare aux donnCes des autres provinces et aux statistiques des années prCcCdentea. Aprs avoir Climiné les incohCrences, Statistique Canada entreprend la publication des chiffres annuels sur les caisses d'épargne et de credit par province et pour le Canada. Les series trimestrielles apparaisscnt dana le bulletin intitulC Institutions financiares, statistique-financire (n° 61-006 au catalogue de Statistique Canada). An annual return from each active credit union chartered to carry on business is mandatory in each province while quarterly data may not be mandatory. Thus, for some provinces statistical techniques are utilized to estimate the data on a quarterly basis. Dams chaque province, toutes les caisses actives, autorisées faire affaire, doivent faire une declaration annuelle, mais les declarations trimestrielles ne sont pas obligatoires. Cependant, pour certaines provinces des méthodes d'estimations sont employees pour fournir des donnCes sur une base trimestrielle. As a result, some discrepancies may rult between the annual figures submitted .hi this report and data published in the ii rterly publication. . Ii peut en résulter un certain manque de concordance entre les chiffres annuels publiés ici et les donnCes des bulletins trimestriels. 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 certaines provinces ont tendance employer des quotients de repartition tires des dernibres statistiques annuelles pour les ventilations trimestrielles, des ecarts sont poesibles entre les donnëes annuelles et les chiffres trimestriels pour certains postes male le total des sous-groupes doit généralement concorder. Differences in fiscal year-ends also cause distortions between the annual and quarterlies as do practices for treating yearend 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. Les differences de date de fin d'exercice financier sont une autre cause de divergence entre les données annuelles et les données trimestrielles ainsi que les procedures traitant des operations de fin d'exercise tel que les dlvidendes, les reserves, etc. Par consequent toute comparaison des chiffres annuels avec les donnCes 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. Statistique Canada fait directement enqute aupras des caisses centrales. Les données publiées ici tiennent pleinement compte de chaque centrale. Common-size Statistics Statistigue sous forme de pourcentage In the common-size tables, the balance sheet uses total assets as the yardstick for measuring categories on a common basis and the operating statement uses total revenue for this purpose. These tables place all provinces on an equal weight basis which enables easy comparison between one province and another. Dans lea tableaux de pourcentages, le bilan se sert de l'actif total pour mesurer les diverses categories sur une base commune, alors que l'état des revenus et des dépenses utilise le total des revenus a cette fin. Ces tableaux placent toutes les provinces sur une base de pondération égale qui permet des comparaisons entre provinces. Chart - 1 Graphique - 1 Total Assets of Local Credit Unions by Province Actif total de caisses locales d'epargne et de credit par province Millions of de dollars 30,000 Millions of cie dollars 30000 20.000 20000 Semi-logarithmic scale Echelle semi-logarithmique 10,000 10,000 8,000 8,000 6,000 6,000 Canada " 7 4,000 4,000 3,000 3,000 Quebe Québec 2,000 2,000 / 0 mario 1.000 , S 800 British Columb,a// 600 / 400 - / Colombie-Britannique / 400 / 300 — Manitob/ 200 Saskatchewan, / I 100 , , , , ,// 60 / 200 / Alberta / 80 , / — , 100 300 / I / / / 80 / 60 --- 40 40 New Brunswick Nouveau-Brunswick 30 30 , / 2C I 20 7 / - Nova Scotia Nouvelle-Ecosse 10 8 ii I I I I I I I I I I I I I I I I I I I I • • • • 1953 '54 '55 '56 '57 '58 '59 '60 '616263646566 '67 '68 '69 70 '71 '72 '73 '74 '75 '76 '77 '78 6 - 19 Graphique - 2 Chart - 2 Composition of Assets by Province, 1978 Composition de 'actit par province, 1978 Newfoundland Prince_Edward_Island Nova Scotia Terre-Neuve !le-du-Prince-Edouard Nouvelle-Ecosse -5- -5. -1- T.A. $189880000 A.T. T.A. S28.506,000 A.T. T A. S24,317.000 A.T. Quebec New Brunswick Nouveau-Brunswick Quebec Canada -5.5- . T.A. $10,129,957,000 A.T. T.A. $281867000 A.T. Manitoba Ontario TA. $23223433000 A.T. Legend - Légende -1- Cash En caisse -5. 2 Investments Placements Cash loans Préts sur recoririwssance de detti' Mortgages - - Hypothéques Other T.A. S4.227000.000 A.T. T.A. $1142403000 AT. Autres British Columbia Coloni bie - Bri Iann ique Alberta Saskatchewan -5- S -5-1- . T.A. $2,081,061,000 A.T. T.A. S 1.427,423.000 A.T. T.A. $3,691,019,000 A.T. - 20 Graphique 3 Chart - 3 Composition_of Liabilities and Equity by Province, 1978 Composition du passif et de l'avoir par province, 1978 Prince Edward Island Newfoundland Nova Scotia IIe-du-Prince-Edouard Terre-Neuve Nouvelle-Ecosse 3 -3- New Brunswick Nouveau-Brunswick Canada Quebec Québec 33- -4- -4- -4- . Manitoba Ontario Legend - Leqeriil.: -3- 2. -1- E2sht5 Dépôts Share capital - 2 Capital soclai Surplus and reserves Bénéfices non repartis ci reserves Other A Ut res Saskatchewan British Columbia Alberta Colombie-Britannique 3- . - 21 Graphique 4 Chart - 4 • Composition of Revenue by Province, 1978 Composition du revenu par province, 1978 Newtoundland Prince Edward Island Nova Scotia Terre- Neuve Ile-du-Prince-Edouard Nouvelle-Ecosse -5-1- 61 -1- -2- Total S20,173.000 Total $2895000 Total $2387000 New Brunswick Quebec Canada Nouveau-Brunswick Quebec -1- El -2- 51 . Total $27692000 Total $963,360,000 Ontario Manitoba Total $2,172,211,000 Legend -1-2- - Legende Interest on demand dufuIntërêt sur depOts a vu -5- Interest on term depos'tu Intérét sur dépôts a -1- terriu- Interest on personal Io,iri Intérét sur prets personriels Interesi on mortgages Intérét sur hypothéques Total $377,000,000 Other revenue Total $110,078,000 Autres revenus BrItish Columbia Saskatchewan Alberta Colombie-Brltannique -5- . Total $189,279,000 Total $140,931,000 Total S338,344,000 - 22 Chart - 5 Graphique -- 5 Composition of Expenditures by Province, 1978 Composition des dépenses par province, 1978 Newlounctland Terre-Neuve Prince Edward Island IIe-du-Prince-Edouard Nova Scotia Nouvelle-Ecosse -1- 2- -3- New Brunswick -3- Nouveau-Brunswick Canada Quebec Québec -6. 0 Manitoba Ontario Leqeird Lt rein Insurance 1 - - 2 Assurance Salanes Salaires Surnirs Bénéf ices Dividends ire rebates Dividendes et risloirnes Interest on deposits Intérét sur depOts -6- Other expenses Autres depenses British Columbia Saskatchewan Alberta Colombie-Britannique ii - 23 Graphlque - 6 Chart - 6 Growth of Membership in Local Credit Unions Croissance du nombre de sociétaires dans les caisses locales d'epargne et de credit Millions Millions 26 0 24 24 22 22 20 20 Population 18 18 16 16 14 14 12 12 10 10 9 9 8 8 7 6 5 5 4 4 Membership Nombre de sociétaires fl 3 3 2 2 I I I I I I I I 1 1 1952 54 '56 j '55 50 '52 54 b (U (2 (4 lb (0 '53 '55 '57 '59 '61 '63 '65 '67 '69 '71 '73 '75 '77 - 24 Chart - 7 Graphique - 7 Selected Financial Institutions - Growth Trend of Total Assets Certaines institutions financières - Le mouvement de croissance d'actif total Millions of de dollars 300000 JlJO,00IJ 200,000 200,000 Semi-logarithmic scale chelle semi-logarithmiqie 100.000 100.000 80,000 80,000 60.000 60,000 Charlered banks - - Banques a charte 40,000 40,000 30,000 30,000 Life insurance companies Socrétés d'assurance-vie 20,000 20,000 10.000 10,000 (1) 8,000 8.000 6,000 6,000 Financial corporations Soctés financiéres 40,000 4,000 30,000 3,000 - - 2,000 1,000 - Mortgage companies Sociétés de prets hypothécaires 10,000 800 Local credit unions Caisses locales 01 d'epargne et de credit -I 600 Trust companies Societes de fiducie — 8.000 6,000 4,000 400 3,000 2.000 2,000 1,000 1.000 800 600 600 —___----- 600 Investment lunds at cost Fonds de placement au prix d'achat - 400 400 300 300 200 200 100 I I I I I I I I I I I I I I I I I I 1953 '54 '55 '56 '57 '58 '59 '60 '61 '62 '63 '64 '65 '66 '67 '68 '69 '70 '71 72 73 '74 75 70 77 70 (i) Beginning 1972, wholly-owned acceptance subsidiaries of merchandisers and manufacturers are included (1) A partir de 1972. les sociétés de financement filiales a cent pour cent de qran;les ent"pses de dstrbut et d'entreprises manutacturières sont inclus. Source: Financial Instil ur,ons. Quarterly. Statistics Canada Catalogue No. 61-006 Source; Institutions linanciéres, tr,mestri&, n 61-006 au catalogue de Statistiqie 0a',-rua IIL S - 25 Chart - 8 S Graphlque - 8 Total Assets of Selected Financial Institutions, 1978 Actif total de certaines institutions financières, 1978 [011ions of dollars - Milliards de dollars 0 5 10 15 20 25 30 165 170 175 egend - Légende Banks o Chartered Banques a chartes Life insurance companies Sociêtés dassurance-vie Credit unions Caisses d'epargne et de credit companies o Trust Sociêtés de fiducie 0 0 I '. ... ,i• : Financial_corporations Societes financjères Mortgages companies Sociétés de préts hypothécaires Investment funds Fonds do plCcurnent C.i',,.':t,o . I (1(16 . Chart - 9 Graphique - 9 Personal Savings in Selected Financial Institutions, 1978 Dépôts d'épargne personnelle dans certaines institutions financières, 1978 Billions of dollars - Milliards de dollars 0 5 10 15 20 25 30 35 40 45 50 55 I I I 0 36.8% o 18.6% Legend O 183% - A 16.1% O - Legende Chartered banks Banques a chartes Life insurance Assurance-vie Trust_companies Sociétes de fiducie unions O Caisses locales d'epargne at de credit Local credit o companies o Mortgage Societés de préts hypothécaires Segregated funds o Caisses séparées o Investment funds is Fonds de placement O 2.2% I I I I Sou'ce Fa'cal !nst,turiOns, Quarterly, Catalogue No. 61-006. Source lr,sl,tutons linancieres, trimestne(, n 61-006 au catalogue I I I — 26 — Graphique — 10 Chart — 10 Personal Loans Outstanding by Selected Financial Institutions, 1978 S Prêts personnelles impayés dans certaines institutions financières, 1978 B4I'ons of dollars Milliards de doflars 0 2 4 6 8 10 12 14 16 18 20 0 22 24 650°c 0 15 . 8 % Legend - Legends O O 126% Chartered banks Banques a charte Local credit unions Caisses locales depargne at de credit Financial corporations o Sociétés financieres Life insurance companies Sociétés dassurance-vie 0Other(1) Autres(1) I I I I I I I I I I I (i) Includes Quebec savings banks. trust companies and mortgage companies. (1) Comprend les banques d'epargne du Québec. sociétés de fiducie et socilés de préts hypothecaires. urce Financial Institutions, Quarterly, Catalogue No. 61-006. Ce lnst'fulioris f:nancères tones fr/el. n 61-006 vi, cafologtio t Graphlque - 11 Chart — 11 Estimated Residential Mortgages Outstanding by Selected Financial Institutions, 1978 Estimations des hypotheques résidentielles impayées dans certaines institutions financières, 1978 Billions of dollars Mrlliards de dollars 11 0 2 4 8 ii' 14 1.' lii ill 21.0% 169° o Legend 130% O 011.90/ O — Legende Trust companies Sociétés de fiducie Chartered banks Banques a charte Other Ill Autreslll 10.8% Credit unions O Caisses d 'epargne at de credit o 9.4% O 0 8 6% Q ____________________________________________________ o o 8.4% I I I Estate Trust and Agency Funds Fonds de fiducie et fonds administrés Central Mortgage and Housing Corporation Societe centrale d'hypotheques et de iogement Mortgage companies Sociétés de préts hypothécaires Life insurance companies Sociétés dassurance-vie I iii InloilCes investment funds, properly and casualty insurance companies, trusteed pension plans. Quebec sa banks, financial corporations, real estate investment trusts, accident and sickness, segregated funds, mortgaf'' investment corporations. Alberta treasury branch and trust companies retirement savings funds. (1) Comprend les tonds de placement, sociétés dassurance-biens et risques divers, régime de pensions an fidi banques dépargne du Québec. SOciétéS tinanciéres, fiducies de placements immobilierS, assurance-accider assurance-maladie, caisses separées, socidté de placements hypothécaires, succursales du trésor de lAtbeo. caisses d'épargne-retraite des sociétés de fiducie. Source.' Financial Institulions, Quarterly, Catalogue No. 61-006. Source: Institutions tinancières. tnimestriel, n' 61-006 au catalogue. I STATISTICAL TABLES . TABLEAUX STATISTIQUES - 28 - TABLE 1. Statistical Summary, 1978 Newfoundland - TerreNeuve Mo. _________ Prince Edward Island New Brunswick Nova Scotia - - Ontario Québec - NouveauIle-duNouvelleBrunswick Ecosse PrinceEdouard __________ ______ - I 2 Number of members ............. Average membership in credit union ............... 11,079 . 528 22,480 1,729 161,513 1,369 198,259 1,458 4,598,516 1,716,000 2,953 1,378 3 Percentage change in membership from previous 5.7 year. 6.2 7.0 7.8 5.0 6.9 ......... . ......... Per member: 4 5 1876 EquIty and deposits ........................... Percentage change from previous year 26.8 1,002 21.3 1,115 3.3 1,384 13.2 2,125 2,374 14.1 14.4 6 7 2,195 Total assets .................................. Percentage change from previous year 32.1 1,268 17.1 1,176 4.5 1,422 14.5 2,203 2,463 14.5 15.5 8 9 Total assets ($'OOO) ............................24,317 Percentage change from previous year 39.7 28,506 24.4 189,880 11.8 281,867 23.3 10.129,957 4,227,000 20.2 23.5 10 11 Loans outstanding ($'OOO) .......................20,464 Percentage change from previous year 38.6 23,889 48.0 149,214 11.7 224,823 28.0 6,915,849 3,248,2(1 23. . . As a percentage of total assets: 47.3 42.5 31.7 33.8 5.1 5.8 13.2 13.2 78.6 78.7 71.1 72.9 7.5 5.8 48.8 49.7 46.0 46.2 10.0 9.8 8.8 9.8 79.7 76.9 51.6 51.6 28.1 25.3 41.2 39.7 56.2 58.7 20.8 16.2 17.5 6.8 10.5 13.9 13.6 15.1 68.3 76.9 66.3 75.1 20.7 40.6 21.3 42.4 47.6 36.3 45.0 32.7 81.6 64.0 83.9 61.1 14.9 32.4 12.9 36.2 Total revenue ($'OOO) ............................2,387 2,895 20,173 27,692 963,360 377,000 ;l 34.5 Percentage change from previous yer 17.9 12.6 27.0 25.4 44.0 55.3 55.3 96.0 52.2 54.9 98.0 51.9 44.1 87.2 58.0 69.0 57.6 68.6 94.5 97.1 31 Interest paid, dividends and interest rebates 62.3 Previous year ................................67.1 Total operating expenses including dividends 97.5 and interest rebates. Previous year ................................99.7 95.5 105.0 81.4 94. 32 Rate of return on members' equity(l) 6.0 5.9 5.6 6,0 t. 12 13 14 15 16 17 18 19 20 21 22 23 24 25 3.5 Cash (and demand deposits) ..................... 2.6 Previous year ................................ .................................... 9.1 Investments Previous year ............................... . 1.8 Total loans ....................................84.1 Previous year ................................84.8 Cash loans .....................................71.8 Previous year ................................76.8 Mortgage loans .................................12.3 Previous year ................................ 8.1 Deposits .......................................46.4 Previous year ................................43.1 Members equity .................................39.1 Previous year ................................46.0 11.5 12.2 3.0 2.4 83.8 84.0 83.8 84.0 26 27 . - As a percentage of total revenue: 28 29 30 (I) Rate of return is defined as: interest on deposits, dividends, interest rebates and amaunts transferred to reserves divided by the sum of deposits, share capital, reserves and surplus. - 29 - TABLEAU 1. Resume statistique, 1978 Saskatchewan British Columbia Alberta - Northwest Terntories Canada - ColombieBritannique 351,926 518,085 1,795 2,177 432,990 2,405 894,325 5,453 5.9 7.1 17.8 2.9 Terntoires du Nord-Ouest - 100.0 - 8,905,173 2,302 5,9 Nombre de sociBtaires ........................... Nombre moyen de sociBtaires des caisses d'épargne et de cr6dit. Variation du nombre de sociétaires par rapport B l'ann8e prBcBdente en pourcentage. 2 3 Par sociBtaine: 3,056 3,802 13.1 10.1 3,014 13.9 3,906 24.1 - 100.0 3,246 4,017 12.9 10.1 3,297 15.2 4,127 25.0 - 100.0 1,142,403 2,081,061 19.5 17.9 1,427,423 35.7 3,691,019 28.6 - 100.0 920,292 1,433,435 22.1 1,170,124 38.5 3,061,836 30.7 - 100.0 - - - - 2,491 15.2 2,608 15.8 Avoir et d6p6ts ................................ 4 Variation par rapport B l'année pr3cuente 5 en pourcentage. Actif total .................................... 6 Variation par rapport a l'année précédente 7 en pourcentage. Actif total ($'OOO) .............................. 8 Variation par rapport a L'année précédente en 9 pourcentage. 17,168,126 Prts non remboursés ($'OOO) .....................10 Variation par rapport B l'année précBd'nte en 11 26.2 pourcentage. 23,223,433 22.7 En pourcentages du total de l'ac . 2.3 3.5 2.5 12.7 26.8 15.8 27.0 80.6 68.9 77.4 66.5 48.8 24.8 33.1 24.2 31.8 44.1 44.3 42.4 93.6 73.2 93.6 69.7 0.5 21.4 0.4 24.9 2.5 2.7 12.6 14.4 82.0 80.3 49.7 43.9 32.3 36.4 79.0 77.2 12.5 15.3 1.4 2.1 12.3 12.9 82.9 81.7 10.6 11.1 72.3 70.5 86.1 85.1 8.5 10.2 110,078 189,279 140,931 338,344 20.9 16.3 43.1 31.2 20.7 71.9 27.1 26.7 46.8 45.2 78.0 77.8 17.6 18.2 Encaisse (et d6p8ts B vue) .....................12 AnnCe prBcBdente ............................. 13 Placements ..................................... 14 AnnBe prBcBdente ............................. 15 Total des prts ................................ 16 AnnBe prBcBdente .............................17 PrCts en espace ................................ 18 AnnCe prBcCdente ............................. 19 Prts hypothIcaires ............................ 20 AnnIe prBcBdente ............................. 21 DBpIts ......................................... 22 AnnBe prBcBdente ............................. 23 Avoir des sociétaires .......................... 24 AnnIe précBdente ............................. 25 72 2,172,211 Total des revenue ($'OOO) ........................ 26 77.0 28.9 - 5.9 - 14.1 11.2 10.1 12.1 15.1 - 82.0 - 82.0 - 89.4 - - Lii: Variation par rapport B l'annéc prcidento en pourcentage. 27 En pourcentages du total des revenus: 66.6 65.8 65.9 65.5 99.1 93.6 63.4 62.2 95.4 72.7 68.4 96.7 55.5 57.8 166.7 63.5 62.2 102.9 93.6 93.6 92.9 150.2 95.1 .3 6.4 6.8 7.2 ... 6.4 Interets verses, dividendes et ristournes 28 AnnIe précédente ............................. 29 Total des dCpenses d'exploitation y compris 30 lee dividendes et les ristournes. AnnIe prBcBdente ............................. 31 Taux de rendement de l'avoir des societaires(1) de rendement de l'avolr des 8oci6taires est le résultat de l'opBration suivante: intBrét sur dépIts, dividendes, ristournes et virements aux reserves divisés par la souse des dépBts, du capital social, des reserves et du surplus. 32 - 30 - TAILI 2. Growth Record of Local Credit Unions,(I) 1900-1978 Total credit unions chartered plus branches Year(2) Chartered Number of branches Anreêe(2) Caisses I chsrte Nombre de succursales Total caisoes I charte et surcursales Ilenbers SorlOtaires Average menbership for credit unions chartered Average membership for credit anions chartered plus branches Nombre moyen par caisse 6 charte Sombre noyen par caisse ci succursale number - nombre Percentage change I. membership Labour force(3) Variation proportionnelie du notabre de Soc létalres per cent thousands pourcentage 1 1900 ..................... .... 2 1905 ..................... .... 3 1910 ..................... .... 4 1915 ..................... 5 7 8 Population acLive(3) silliers 1 - 1 80 80 -- 1,694 3 - 3 550(4) 183 183 117.5 2,156 31 - 31 3,780(4) 122 122 117.5 2,587 ... 140 - 140 17,216(4) 123 123 11.1 2,889 1920 ..................... ... 200 - 200 31.732 159 159 16.9 3.112 1925 ..................... ... 209 - 209 33.279 159 159 1.0 3,467 1930 ..................... ... 266 - 266 45,767 172 172 7.5 3,823 1935 ..................... ... 364 - 364 52,045 143 143 2.7 4,138 9 1940 ..................... . 1,167 - 1,167 201,137 172 172 57.3 4,587 10 1945 ..................... 2,219 .. .. 590,794 266 .. 38.7 4.827 11 1950 ..................... 2,965 .. .. 1,036,175 349 .. 15.1 5.163 12 1951 ..................... 3,121 .. . . 1,137,931 365 .. 918 5.223 13 1952 ..................... 3,333 .. . . 1,260,435 378 .. 10.8 5, 14 1953 ..................... 3,606 .. . . 1,434,270 398 -. 13.8 5, 15 1954 ..................... 3,920 .. .. 1,560,714 398 .. 8.8 5. 16 1955 .................... 4,100 .. .. 1,731,328 422 .. 10.9 5. 17 1956 ..................... . 4,258 .. . . 1,870,277 439 .. 8.0 5, 18 19;7 ..................... . 4,349 . . . 2,059,835 474 .. 10.1 6,thi6 19 1958 .................... . .4,485 . , . 2,187,494 488 .. 6.2 6,137 20 1959 ..................... . 4,570 .. .. 2.360.047 516 , , 7.9 6,242 21 1960 ..................... . 4,608 .. .. 2,553,951 554 .. 8.2 6,411 7.3 6,521 6,615 80 22 1961 ..................... 4,682 .. . - 2,740,251 585 .. 23 1962 ..................... 4,767 . .. 2.879.179 604 .. 5.1 24 1961 .................... ..4,809 .. . . 3.123,735 650 . . 8.5 6,748 25 1964 .................... ..4,870 . . .. 3,418,033 702 .. 9.4 6,933 26 1965 .................... ..4,939 116 5.055 3.677.291 745 727 7.6 7,141 27 1966 .................... . .4,934 133 5,067 3,859,677 782 762 5.0 7,420 28 1967 .................... ..4,911 154 5,065 4.308,439 877 851 11.6 7,694 29 1968 .................... . 4 ,861 175 5,036 4,632,382 953 920 7.5 7,919 30 1969 ..................... 4,769 196 4,965 4.968,802 1,042 1,001 7.3 8,162 31 1970 ..................... 4,595 229 4,824 5,203,402 1.132 1.079 4.7 8,374 32 1971 ..................... . 4,444 270 4,714 5.454,292 1,227 1.157 4.8 8.631 33 1972 .....................4,350 316 6,666 5,843,820 1,113 1,252 7.7 8,891 34 1973 .....................4,256 363 4,618 6.382,054 1.500 1,382 9.2 9.279 35 1974 .....................4,194 455 4.647 6.805.493 1,623 1,464 6.6 9,662 36 1975 .....................4,083 586 4.669 7,268,552 1,780 1.557 6.8 10.015 1,917 1,658 6.5 10. ii,' 11, 37 1976 .....................4,039 631 4,670 7,742,412 38 1977 .....................3,958r 739 4 , 67r 8,408,748r 2.135r 1,797' 86r 39 1978 .....................3,868 818 4,686 8.905.173 2.302 1,900 5.9 an,aLaLlsaurs From L,an to xoo taken From oepartment or Agricuitore, Credit Unions In Canada, 1965. (2) 1920-1925 - Quebec only. 1930 - Quebec and Ontario only. 1935 - Quebec, Ontario and Nova Scotia only. 1940 - Eocludes Newfoundland and Northwest Territories. 1967 - Includes all provinces and Territories. (3) Bank of Canada Review. (4) Estimated figures. . . fl - 31 - TABLEAJJ 2. Croissance den rumors locales d'Apargne ci dc' crfdit(l), 1900-1978 Membership as a percentage of popalation IcIership as a percentage of labour force Populatian(3) - Proportion des soc16taires par rapport I Ia population active thousands per cant - - Proportion des sociOtaires par rapport I la population Actif - Actif moyen par sociftaire Average assets per credit union Increase in total assets - - Augmentation proportionnelie de l'actif total Actif moysn par caiase Incresa* in average assets per credIt union - Augmentation proportlonnelle de l'actiI par caisse per cent dollars per cent dollars per cent pourcentage pourcentage pourcentage nilliers pourcsntsge Average assets per member Assets -- 5,301 -- -- 6,002 0.1 .. .. .. .. .. 2 0.2 6,988 0.5 ,. ,. .. .. .. 3 7,891 2.2 .. .. .. .. .. 4 6,000,000 189 .. 53.097 .. 0.6 1.0 8,556 3.7 0.9 9.294 3.6 8.000,000 240 33.3 65,574 1.2 10,208 4.5 11,000.000 240 37.5 61,453 1.3 10,845 4.8 10,000,000 192 9.1 36,101 - - 23.5 - - 6 6.3 7 41.3 8 4.4 11.381 1.8 25,000,000 124 150.0 21,422 40.7 9 12.2 12.072 6.9 146,000,000 247 484.0 65.795 207.1 10 20.1 13,712 7.5 312,000,000 301 113.7 105,228 59.9 11 21.8 16.009 8.1 359.000.000 315 15.1 115,027 9.2 12 '3.7 14.459 8.7 424.000,000 336 18.1 127,213 10.6 13 14,845 9.7 489.000.000 341 15.3 135,607 6.6 14 15,287 10.3 552.000.000 354 12.9 140,616 3.8 15 653.000.000 377 18.3 159,268 13.1 16 12.2 17 18 - '3 15,698 11.1 3 16,081 11.6 761.000,000 407 16.5 178.722 34.2 16,610 12.4 846.000,000 411 11.2 194.527 8.8 35.6 17,080 12.8 1,009,000,000 461 19.3 224,972 15.7 19 37.8 17,483 13.4 1.158.000.000 491 14.8 253,392 12.6 20 39.8 17,870 14.2 1,299.000,000 509 12.2 281,901 11.3 21 551 16.2 322.298 14.3 22 42.0 18.238 15.0 1,509,000,000 43.5 18.583 15.3 1,674,000,000 581 10.9 351,164 9.0 23 46.2 18.931 16.6 1,920,000,000 615 14.7 399,251 13.7 24 49.3 19,290 17.7 2,213,000,000 647 15.3 454.415 13.8 25 51.5 19,644 18.7 2,542,000,000 691 14.9 514.679 13.3 26 19.3 2.926,000,000 758 1511 593,028 15.2 27 685.604 15.6 28 52.0 20,015 20,378 21.1 3,367,000,000 781 15.1 58.4 20,701 22.3 3,699,000.000 799 9.9 760,955 11.0 29 60.9 21.001 23.6 4,064,000,000 818 9.9 852,170 12.0 30 62.1 21.297 24.4 4,591,000,000 882 13.0 999.129 17.3 31 63.1 21,569 25.2 5.589,991.000 1,025 21.8 1,257,874 25.9 32 23.6 33 56.0 6,761,224,000 1,157 21.0 1.554,304 28.8 8,465,786,000 1,326 25.2 1,989.141 28.0 34 30.3 10,026,255,000 1.473 18.4 2.390,619 20.2 35 22,800 31.9 12,331.379.000 1,697 23.0 3,020,176 26.3 36 23,180 33.4 15,077,462,000 1.947 22.3 3,732,969 23.6 37 79.2 23,343 360r 18,929,159.000 2,252r 25.5 4 , 806 , 795r 28,8r 38 80.9 23.589 37.7 23,223.433,000 2.608 22.7 6,003,990 24.9- 65.7 21,821 26.8 68.8 22,095 70.4 22.446 72.6 75.0 -' nistietisue de 1946 8 1966 eat tire. de Lea caisees populsirea au Canada. 1965. oubiucation du ministate de J'Ass'ioultera. • 20-1925 - Le QuSbac seulement. - 930 - Le Québec cc i'Ontarlo seulenent. 1935 - La Québec, 1'Ontario cc ia Nouveiie-F,coose seulement. 1940 - Non conpris terre-Neuve et les Territoires du Nord-Ouest. 1967 - Ensemble des provinces at lea territoires. (3) Revue ds is Bangse du Canada. (4) Nombc.s eatimes. 39 - - 32 - TABLE 3. Number of Chartered Local Credit Unions, by Province, 1978 Prince Edward New Newfoundland Island Nova Scotia Brunswick - - - - - Québec Ontario Terre-Neuve Ile-du-Prince- Nouvelle- NouveauEdouard Ecosse Brunswick number - nombre Number of credit unions 1 Reporting ............................. 2 Not reporting 3 Inactive 14 13 118 134 ......................... 2 - - .............................. 5 - - - 4 Total chartered ..................... 5 Credit unions chartered beginning of year. 6 Add: Charters issued during fiscal year - 218 3 115 13 118 136 1,557 1,245 33 13 124 136 1,559 1,278 - - 12 8 Credit unions chartered end of year 21 ............. 2 21 7 Deduct: Charters cancelled during fiscal year. 9 Change from previous year 1,554 912 -12 1 - - 13 - 6 1 118 136 -6 - - 15 2 48 1,55 - TABLE 4. Local Credit Unions, Chartered Bank Branches and Trust Company Branches, by Province, 1978 Prince Edward New Newfoundland Island Nova Scotia Brunswick Institution - - - - Québec Ontario Terre-Neuve Ile-du-Prince- Nouvelle- NouveauEdouard 9cosse Brunswick number - nombre Local credit unions: 1 Chartered 2 Branches ............................. 3 Total ............................ .............................. 4 Chartered banks(1) 5 Trust companies(2) ..................... ..................... 21 13 118 2 1 12 23 14 130 136 1,818 1,393 137 34 235 174 1,6I 7 1 6 1 40 136 - 1 (1) Bank Directory of Canada, Houstons Standard Publications Ltd., Toronto, Narch 1979. (2) Directory of Canadian Trust Companies, The Trust Companies Association of Canada, 1979. 23 1,557 1,245 261 148 ii? - 33 - TABLEAU 3. Nombre de caisses locales d'êpargne et de credit a charte, par province, 1978 S British Northwest Columbia Territories Alberta - - Canada Colombie-. Tern tomes Britannique du Nord-Ouest Siskattunitoba chewan number - nombre Nombre des caisses d'épargne et de credit 165 236 174 164 - - - - - 162 Inactives ....................................3 180 164 - 3,868 Total des caisses a charte .................4 187 166 r 238 196r 242 1 - - 8 2 238 180 164 - 3,938r Caisses l' charte au debut de année .........S - 4 4 1 Non d8clarantes ..............................2 196 - ................................... 222 6 - Déclarantes - 2 - 3,484 - 31 - - 7 - 4 - Ajouter: Chartes Cmises en 1978 ..............6 87 Déduire: Chartes annulées en 1978 ............7 3,868 - 2 17 4 - 70 Caisses I charte I la fin de annQe l' Changement par rapport 1 1977 8 ...... 9 ................. TABLEAU 4. Caisses locales d'epargne et de credit, succursales des banques 1 charte et des sociétés de fiducie, par province, 1978 British Northwest Columbia Territories Manitoba Saskat chewan Alberta - - Yukon Canada Institution Colonibie- Territoires Britannique du Nord-Ouest - NO number - nomore Caisses locales d'épargne en de credit: 196 238 180 164 - - 3,868 62 105 95 132 - - 818 258 343 275 296 - - 4,686 369 698 881 22 39 85 93 1 W - 14 - Caisaes I charte Succursales Total ......................... .............................. .................................. 7,407 Banques 1 charte(1) 1,030 Sociétés de fiducie(2) •I) B.uk Directory of Canada, Houstons Standard Publications Ltd., Toronto, mars 1979. (2) Directory of Canadian Trust Companies, The Trust Companies Association of Canada, 1979. 1 2 3 4 ........................ ..................... 5 - - 34 - TABLE 5. Local Credit Unions Classified by Asset Size, 1978 Prince Edward New Newfoundland Island Nova Scotia Brunswick Québec Terre-Neuve Ile-du-Prince- Nouvelle- NouveauEdouard 9cosse Brunswick No. number - nombre Amount of total assets: 1 2 3 4 5 6 7 8 9 10 24 25 14 16 25 7 3 3 1 - 11 Under $100,000 $ 100,000-$ 249,999 250,000- 499,999 500,000- 999,999 1,000,000- 2,499,999 2,500,000- 4,999,999 5,000,000- 9,999,999 10,000,000- 24,999,999 25,000,000 and over 2 1 2 2 5 1 - 4 1 3 1 - 1 - - Total ......................21 11 19 11 18 37 25 14 1 - 118 13 136 6 35 102 156 342 314 318 251 33 253 218 179 151 177 110 72 57 28 1.557 1,245 (1) Classification based on 1977 distribution. TABLE 6. Membership in Local Credit Unions, 1978 Newfoundland - Prince Edward Island - Terre-Neuve Ile-du-PrinceEdouard Nova Scotia New Brunswick - - NouvelleEcosae NouveauBruns.ik Ontario Québec No. number - nomb . 1 2 3 4 5 Number of members beginning of year. Increase in members during the year. Number of members at end of year Average membership in credit unions. Percentage change in membership over previous year. 10.481 21,165 150,910 1 598 1,315 10,603 14,261 219,266 110,658 11.079 528 22,480 1,729 161,513 1,369 198.259 1,458 4.598,516 2,953 1,716.000 1,378 5.7 6.2 7.0 7.8 5.0 6.9 TABLE 7. Membership Compared With Labour Force and Population, 1978 Prince Edward New Newfoundland Island Nova Scotia Brunswick - - - - - Québec Ontario Terre-Neuve 11e-du-Prince- Nouvelle- NouveauEdouard cosse Brunswick No. number - nombre Local credit union members 11.079 22.480 161,513 2 Labour force - December 1978 . 3 Members as a percentage of Iabour force. 4 Population ...................... 5 Members as percentage of population. 1 198.259 4,598,516 1,716,000 192,000 5.8 50.000 45.0 349,000 46.3 276,000 71.8 2,837,000 162.1 4,242,000 40.' 572,500 1.9 122,600 18.3 845,800 19.1 698,800 28.4 6,272,700 73.3 8,471). - 35 - TABLEAU 5. Classement des caisses locales d'épargne et de credit suivant lactif, 1978 S I British Northwest I Columbia T T erritories Saska tAlberta chewan I ColombieTerritoirea Nord-Ouest Britannique I I I - - I I I Canada number - nombre Montant de l'actif total: 11 23 12 19 46 39 23 18 5 6 4 7 13 47 68 50 27 16 28 25 18 18 23 10 23 23 12 5 11 10 10 25 21 21 25 36 - 355 362 358 404 727 600 525 406 131 196 238 180 164 - 3,868 Moths de $100,000 . $ 100,000-$ 249,999 ................2 250,000- 499,999 ................3 500,000- 999,999 ................4 5 1,000,000- 2,499,999 6 2,500,000- 4,999,999 5,000,000- 9,999,999 ................7 10.000.000- 24.999,999 ................8 25,000,000 et plus ....................9 ..................... ................. ............... Total .............................. .0 (1) Distribution estimative basBe sur is classification de 1977. TABLEAU 6. Nombre de sociëtaires des caisses locales d'dpargne et de credit, 1978 Manitoba Saskatchewan Alberta British Columbia ColombieBritannique Northwest Territories Territoires du Nord-Ouest Canada NO number - nombre . 483,518 367,474 869,015r 19,493 34,567 65,516 25.310 351,926 518,085 1,795 2,177 432,990 2,405 894,325 5,453 5.9 7.1 17.8 2.9 3,162 - 3,162 - - 100.0 TABLEAU 7. Nombre de sociétaires compare Manitoba Saskatchewan Alberta British Columbia ColombieBritannique a 8,406,748r Nombre de sociCtaires au debut de l'annBe 498,425 8 9 905,173 2,302 5.9 Augmentation du nombre de soctétaires ... 1 2 Nombre de sociétaires B Is fin de l'année Nombre moyen de sociétaires des caisses d'épargne et de credit. 3 4 Variation du nombre de societaires par rapport a l'année précédente en pourcentage. 5 Is population active et la population, 1978 Northwest Territories Territoires du Nord-Ouest Canada NO number - nombre is 351,926 518,085 432,990 894,325 476,000 429,000 73.9 120.8 951,000 45.5 954,300 54.3 1,989,800 21.8 - 8,905,173 1,207,000 74.1 .. - 11,011,000 80.9 2,556,500 35.0 65,100 - 23,589,000 37.7 Sociétaires des caisses locales dépargne at de credit. Population active - Décembre 1978 Proportion des sociétaires par rapport B is population active. Population Proportion des soclétsires par rapport B is population. ........ ............................... 1 2 3 4 5 - 36 - TABLE 8. Balance Sheets - Locals, 1978 Newfoundland Terre-Neuve _________ No. Prince Edward Island j Nova Scotia New Brunswick Québec NouveauNouvelleIle-du-PrinceBrunswick Ecosse douard __ _ I _________ thoosanil of dollars - milliers de dollars Assets Cash and demand deposits: a On hand ............................................. 19 b Demand deposits: 4 it iii iv Centrals, leagues, federations .................... 32 Chartered banks .................................. 807 Trust and nortgage companiea Other financial jnstitutionn ... ............... ....Iteina in transit .................................... - 473 4,133 9,215 176.911 29.000 2.796 4.304 676 11,316 1.270 1.922.945 127,000 40,000 50.000 15,000 - 4.681 - 380 - - - - - - Investments: 2 Term deposits: a I it iii iv b Centrals, leagues, federations ................... 135 Chartered banks ................................. 1,263 Trust and mortgage companies ...................... 402 Other financial institutions ....................... 15 Commercial paper and sales finance cospanlea' notes. 300 10.851 - -. 5.601 288 - - 17,292 465 295 - 231,005 181.000 - - Bonds and debentures: c 9 I it iii Government of Canada ............................... 5 Provincial ......................................... 7 4 Municipal, including school dIstrict debentures - lv v Corporation ....................................... 310 Other institutions ................................. - - 904 163 297 949 8,663 95,308 238.093 - 856 - - 3,310 21,043 49. 33,' 5. 148 - 31.000 86,000 96,0' C Shares held: d I it e Centrals, leagues, federations .....................14 Other Institutiona ................................. 62 ....Other investments ................................ 530 5 - 2.318 661 4,217 578 551 2,701 97,941 171,057 131,636 781 135,540 289 7,997 1,752,546 131.912 69,097 - Loans: 3 Non-mortgage: a I it iii Personal ....................................... Farm ........................................... Commercial, industrial and co-operative enterprises. Estatelendoument ............................... Other .......................................... 16,713 ..172 578 Total non-nortguge loans .................... . 17463 251 23,889 - - 1,677,000 15,000 9.000 2,499 1.723 140,287 1,000 13.200 23,889 134,916 145,549 2,093,842 1,715,200 431 1,159 356 30,894 15,200 ....ANational Noosing Act ......................... . 3,001 Conventional ................................. B .... Farm ........................................... it and ru-operatic:' enterCommercial, industrial iii prises. Other ................................... ...... .....iv - 13.753 75,182 18 817 96.440 4,185,502 38,576 487,023 1,490,000 20,000 13,000 .. 3,001 iv v ... ..- - - - - Less: vi Allowance for doubtful loans ................... Mortgage: b 4 Residential: Total mortgage bass ................ ...... - - - - - - 545 3,257 14,466 10,000 - 14.298 79,274 4,822,007 1,533.000 Less: Allowance for doubtful loans ................... .... 7 - - 97 197 - ....123 ... 637 ... 120 ........ 59 57 396 141 121 23 604 2,020 1,296 8 9 Land ............................................. Buildings ........................................ Equipment and furniture .......................... Stabilization fund deposits ........................ Other assets ....................................... 10 Total assets ............................. 26,317 28,506 v 4 Accrued interest on loans and inveausents S Fixed assets: a b c - 9,518 - 22.000 1,949 70,635 26,904 115,936 34,162 3,806 1,095 4.238 1,396 1,960 434 29.920 14, 38. 15, 35, 18. 189,880 281,867 10,129.957 4,227. - - - 37 - \U 8. Bilans - Locales, 1978 Manitoba Rrit1 Columbia Saskatch ewan Alberta Northwest Territories - - Colombie- Territoires du Nord-Ouest Britannique thousands of dollars - milliers de Canada NO ollars Actif Encainse et d6p6ts I vue: 11,801 17,793 11,283 27,668 - 288,896 En Cios,. ...... ... .............................. 1 .. a b Ddplto 8 cue: 33.990 21,401 - 724 21.070 362 5,008 1.744 - 7,199 3.470 - - - - 22,509 1.346 - - 2,167.363 49,872 50,000 25,602 7,199 Centrales, ligues, fidOrationu ................ Banques S charte ................................. ii iii Sociét8s de fiducie ci de prlts hypothécairos Autros institationo financibros ...... ............ iv Pontes on transit ................................. c Placements: 2 DepOts S rerme: 100,750 277,625 - - 99,744 - - - 148,381 - 12,453 - 309.760 22,605 - - 1.277.099 24,333 118,495 303 - Obligations 1.683 3,687 20.440 29.122 - 472 1.533 189 - 19.876 799 1,793 - 65,706 210,022 376,332 6,699 134 - 60,175 54,177 61.996 493 31.663 - 299,906 192,916 133.051 a Centreles, liguee, fédCrations ................ Banqoes S charte .............................. ... ii iii SociCtCa do fiducic Ct do prOm hypothécaires Autres institutions financilren .................. Lv b Papiers d'affaires ci effeis des sociote de financement des ventes. garanties ou non: Gouvernement du Canada ........................ Des provinces ...................................... ii iii Des inunicipalités, y conpris let obliutioos non goranties des coemiss! ann na litres. Sociétés ...... . ... ... ......... ......... .. ..... .... iv Autres institutions ........................... d Actions détenues: . 35.919 14.087 - 36.470 16,784 - Centrales. ligues, fCdCraiinns ................ Autres institutions ............................... ii Autres placements .................................. C 3 Prlts: Non-hypoth8caires: 220,000 262.554 61,964 174,055 98,645 36.437 - 364 176.960 42.242 557,569 515.652 - 356,904 2,534 23,324 - 5.285.877 386,707 245.078 - 2.178 7.693 - 3,542 384,604 392,633 - 6,305.808 709,095 709,095 a Pernonnels .................................... Agricolea ....................................... ii iii Enrrepriaen cominerciales, induntrielles et coopirotives. .....iv ...................... Successions ou dotstions Autres ........................ ... ....... ........... V / Total den prOts non-hypathicaires ........... Mains: 8,786 - 7,333 4,478 - 69,488 Provisions pour prOts donteux . ................ .... vi b HypothCcaires: Constructions résidentielles: - - 261,474 500.478 44,927 220,681 36,322 84,086 20.000 112.538 362,723 917,783 461,029 - 461,029 45,696 2.354,973 36,077 229.747 - 2,710 - 163,516 2,669.203 - 10.862.318 142,136 9,345,392 360,279 850.995 Lol nationsle sur l'hsbitation .............. Conventionneis .............................. Yermes ........................................ .... ii tstreprises conmiercialea, industrielles Ct Coopdratisen. Autros ........................................ ... iv Total des prits hypothCcaires ............. Mains: - 4,769 6,204 - 20,498 Provisions pour prOts douteux ................. - 47,755 14,552 29,175 - 186,360 IntCrOt accumulé our prOts St placements ............ 4 778 3,871 • 5a8 21,167 5.251 - • i.,7 3.627 8.816 15.777 7,459 1,074 5,726 15,210 40,476 12.225 26,457 8.981 - 73.958 260,495 81.898 64.612 76,523 ,-.03 2.081.061 1,427,423 3,691,019 - 23,223,433 - Ininobilisations: . ... 5 Terrains ........................................... a BStiments .......................................... b Materiel et nobilier ............................ DepOts du funds de stabilisation .................... 8 Autres ClCments d'sctif ............................. 9 Total do l'actif ......................... 10 V - 38 - - TABLE 8. Balance Sheets - Locals, 1978 - C,,clud. Newfoundland - Terre-Neuve Prince Edward Island - Nova Scotia New Brunswick Ile-du-Princedouard NouvelleEcosse NouveauBrunswick - - Québec Ontario No. thousands of dollars - railliera de dollars Liabilities 11 Deposits: • Demand: I Chequing ............................................. 1.660 3,096 14,235 25,776 2.865,97" 235.000 ii Non-chequing ......................................... 736 5.025 67,892 9.499 1,895,714 1.434.000 8,890 5,360 30,602 80,869 3,507.321 1,035,000 5,137 4.800 2,519 119,824 1.505 475 6.876 19 22 2,052 b 12 Tern deposits ......................................... 1.oane payable: o Centrals, leagues, federations ......................... 752 b Chartered banks ........................................ 2.599 Other loans ............................................ ..3 13 - - . Accounts payable: a Interest ............................................... 137 88 2,434 b Dividend, .............................................. .25 491 47 - - 45 - - 29,768 - dtacoise tax ............................................. .S - - - 9,275 800 e .8 230 607 1.478 8,392 9,700 - - 329 835 72,920 32.869 83,240 141.119 1,224,588 1,298,000 Provisions for additional interest and rebates ........ 19 . Other .................................................. Other liabilities ........................................ 108.921 21.000 - 500 Members' equities 20 share capital: a Ordinary shares ......................................... 9.732 8.742 bEstateiandownemt shares ...................................- - - - - c - - 140 - Other share, ... ....................................... ....- 21 Reserves ................................................... 127 227 750 9.288 278.043 22 Undivided surplus . ..- 357 65 3.420 7,795 2,340 24,317 28,506 189,880 281,867 10,129,957 30 ........................ ... ........... Total liabilities and members' equities 2,000 48.19, 4,227,0:: - 39 - I AU 8. Bilans - Locales, 1978- fin - Northwest lrirish Co1ubia SaskatChewan toba - ColonbieBritamsique I Territories I I Territoires do I Canada i Nord-Onest NO thousands of dollars - toilliers de dollars Passif 11 DepOts: a Diplts B vue: 112,364 232,582 113,887 346,695 - 3,951,270 Cosptea-chBques ..................................... 678.536 . 479,974 - 772,070 - 5,323,446 Autres ...............................................ii 278,810 . 811,072 1.013,309 2 1 059.997 - 8,831.230 DepOts B rer an ........................................ 12 Eaprunts B payer: sq. Pfn 38.711 91,773 94,139 - 494.515 Centralea, ligues. f6d8rationn .........................a 1 1 595 1,376 317 - 21,316 / Bonques I charte .......................................b 1,234 182 40,219 - 50.907V Autrea eaprunts ........................................ C . Coaptea B payer: 2,200 35,225 21.133 39,588 IS - 232,778 IntCrOt .................................................. a - 26.571 Dividendea ............................... . ............ S 22.656 - 2,852 2,378 - 313 - 32,501 Provisions poor intent et ristournea additionnals c 95 1,158 350 7,826 - 19,509 ImpOt our Ic revenu ......................................d 2.287 7.053 7,540 6,480 - 43,775 Autres ................................................ 4,935 - 112,960 Autres 616aentn du possif ................................19 1,072 - ... Avoir des sociëtaires Capital social: 388,639 157,043 226.753 - 3,539,605 Parts ordinairea .................... . ................. ...a - 626 54 6.006 - 8,686 Parts sociales en successions ou dotation ...............S - - 1.749 . 20 - 175 - 315 Autres parts .......................................... 53,532 10,060 53.549 - 458,077 Reserves .................................................21 3,554 10.716 29,105 - 75.960 BInéfices non r8partis ...................................22 I 2,081,061 1.427.423 3.691,019 -. 23.223,433 Total du pasaif et avoir dee soci6tatres ...........30 - 40 - TABLE 9. Common-size Balance Sheets - Locals, 1- Prince idsmrd Newfoundland - Island Nova Scotia irusawick - - Terre-Neuvo No. - Ile-du-Princedouard - Québec Ontar: Nouvelle- NouveauEcosse Brunswick per cent - pourcentage Aseet a Cash and demand deposits: a On hand ............................................... b Demand deposits: i Centrein, leagues, federations ...................... ii Chartered banks ..................................... iiiTrust and mortgage companies ........................ iv Other financial institutions ....................... r Items in tra,,slt ...................................... 2 .0.08 1.66 2.49 3.27 1.75 0.69 0.13 3.32 9.81 2.27 0.36 5.96 0.67 - - 18.98 3.01 0.05 0.95 - 1.18 - _. - - 0.13 - - - o.s - Investments: a Term deposits: i b Centrals, leagues, federations ...................... Chartered banks ..................................... Trust and nort5agn conpanies ........................ Other financial institutions ........................ Coimnorcial paper and sales finance companies' notes c Bonds and debentures: ii iii iv i Government of Canada ................................ iiProvincial .......................................... iii Municipal, including school district debeuturas iv v Corporation ......................................... Other institutions .................................. 0.56 5.19 1.65 0.06 - 1.05 5.71 - - 2.95 0.15 - 6.13 0.16 0.34 - .0.02 .0.03 0.02 0.03 0.08 - 0.48 .1.27 .. - - - 0.30 1.22 0.35 2.22 0.21 0.20 0.96 69.33 0.41 48.09 0.10 2.84 - 0.06 0.11 0.34 2.28 4.28 - - - - - 0.08 0.73 0.94 2.04 2.35 - S Shares held: i ii o 3 Centrals, leagues, federations ...................... Other institutions .................................. Other investments 0.06 0.25 ........................................ - 1.86 0.02 - -- Loans: a Non-sot cgage: I ii iii iv u Personal .............................................. 68.73 Farm .................................................. 0.71 Commercial, industrial and co-operation enterprises 2.38 Eatate/endoument ....................................... Other ..................................................Total non-mortgage loans ............................ 71.82 83.80 - - - 17.30 39.67 1.30 0.36 0.68 0.21 1.32 0.61 - 0.02 1.39 0.32 83.80 71.06 51.64 20.67 40.58 1.51 0.93 0.13 0.30 0.36 - Less: vi Allowance for doubtful loans .......................... 1.03 Mortgage: Residential: i A 8 ii iii iv National Housing Act .................................. Conventional ........................................ 12.34 Paris Commercial, industrial a:,d co-operative enterprises - .................................................... Other ............................................. ...... - Total mortgage loans .............................. 12.34 - - - 7.24 - 76.67 0.01 0.29 0.95 41.32 35.25 0,39 0.47 4.81 0.31 0.29 1.16 0.10 0.24 - 7.53 28.13 47.60 36.27 - - - - Less: v Allowance for doubtful many ...........................0.03 4 Accrued interest on loans and investments ..................0.40 S Fixed assets: a b c B 9 Land .................................................... 0.51 Buildingn ................................................ 2.62 Equipment and furniture ................................. 0.49 9tabilioation fund deposits .................................... Other assets .............................................. 0.24 Total assets .................................. 100.00 0.69 - - 0.70 0.52 0.26 1.14 0.34 0.20 1.39 0.50 .. 94 0.08 0.32 1.06 0.68 2.00 0.39 1.50 0.50 0.70 0.15 100.00 100.00 100.00 - 0.09 - 0.69 - 0.29 100.00 10 C TABLEAU 9. Bilans sous iorse de pourcentage - Locales, 1978 Saskutchewan British Columbia Northwest Territories - - Alberta ColombieBritonnique Canada Territoires du Nord-Oseet NO per cent - pOurcentage Art ii Encaisse et dOpOts 3 owe: 1.03 0.85 0.79 2.98 1.03 1.48 - 0.03 0.03 - - - 0.44 0.08 0.24 - 0.35 - 0.75 0.61 0.04 - - - 1.25 9.33 0.22 0.22 0,11. 0.03 1 En caisse ............................................ a DOpOta 3 vue: 6 Centralea, ligues. fédOrationa ..................... Banques N charto . .................................. ii Sociétds de I iducie et de prNta hypothécaires iii Autren institutions financibrea .. .................. .. iv Postes en transit .................................... 2 Placements: a DepOts N terme: 8.82 13.34 10.40 - - - 4.79 0.87 - - - - - 8.39 0.61 - - 5.50 0.11 0.51. - 0.54 0.02 0.05 - 0.28 0.91 1.62 - 0.18 - 0,26 0.23 1.18 1.68 - 1.29 0.83 0.57 0.15 0.18 0.03 0.49 0.98 0.11 0.81 1.40 0.01 - Centrales, liguen, fCdirations ..................... Banqoen N charte ...................................... ii SociCtés do fiducie Autres institutions Papiers d'affaires et tent des ventes. Obligations garanties iii et de prBts hypothécaires financiNres ....................... iv effeta des soclétCs de finance- b ou non: C Coavernement du Canada ............................. Des provinces ...................................... ... ii iii Des nsnicipslitBs, y coopris len obligations non garantiea des commissions scolaires. Soclétés ............................................... iv Autrea institutions ..................................... V Actions dCtenues: . - 0.01 - 1.75 - 0.86 5 d Centrales, ligues, fCdCrations ..................... Autres institutions .................................... ii Autrea placements .......................................a 3 PrOts: ilon-hypothCcaire.: 19,26 12,62 49.68 5.43 8.36 8.63 1.75 - 9.67 0,07 0.63 - 22.76 1.67 1.05 - 0.02 15.49 2.03 - 0.06 0.21 - 0.01 1.66 48.81 24,78 49.68 10,64 - 27.15 0.77 - 0.52 0.12 - 0.30 a Pernonneln ......................................... Agricoles .............................................. ii iii Entreprises conoercialea, iodsstrielles at cooper.t ives. Successions ou dotation ................................ iv Astres .................................................. V Total des prBts non-hypothdcsire. ................ Mo ins Provisions pour prêt. douteux .......................... vi HypothCcaires: 6 Constructions rCsidentielle,: - 1 1 26,05 32.30 22.89 3.93 10.60 3.18 4.04 - 1.24 63,80 0.98 6.23 - 0.61. 40.24 1.55 3.67 1.75 5.41 - 0.07 - 0.70 31.75 44.10 32.30 72.32 - 46.77 f Loi oatiocale sur l'h.bitation ................... Conventionnels ................................... Fenton ................................................. ii iii Entreprises comnerctales, industrielle, at cooperstive. Astres ................................................ iv Total des prOts hypothécairea .................. Mo inn: - Provisions pour prNts dout.ux ......................... 0.33 0.17 - 0.09 - 2.30 1.02 0.79 - 0.80 0.19 0.62 .07 1.02 1.10 '.42 0.25 0.52 - - 0.07 0.17 0.40 0,41 0.32 0.33 0.72 0.24 - 0.35 0.28 0.33 Mat8riel cC mobilier ................................. DepOts du fonda de etabilisatton ......................... 8 AutreB NiBments dactif .................................. 9 50 100.00 100.00 100.00 - 100.00 Total de l'actif .............................. 10 IntCrOt sccu.mulé our prCts at placement .................. 4 Immobilisationa: . 1.10 1.11 Terrains ................................................ a BOtimenta ............................................... 6 v - 42 - TABLE 9. Consoon-nine Balance Sheets - Locals, 1978 - Concluded New Prince Edward Newfoundland Island Nova Scotia Brunswick - - - - Quebec Terre-Neuve ile-du-Prince- Nquvelle- Nouveaudouard Ecosse Brunswick per cent - pourcentage Liabilities 11 Deposits: a Demand: 1. Chequing ............................................. 6.83 10.86 7.50 9.14 28.29 5.56 IiNon-chequing ......................................... .3.03 17.63 25.22 3.37 18.71 33.92 Term deposits .......................................... 36.56 18.80 16.12 28.69 34.63 24.48 Loans payable: 12 a 309 18.02 2.53 0.89 1.18 . . 0.69 - 0.79 0.17 0.07 Other loans ............................................ 0.01 - 0.02 0.01 - Centrals, leagues, federations ......................... bChartered banks ....................................... 1 .92 c S Accounts payable: 13 Interest ............................................... 0.56 0.31 1.28 Dividends .............................................. 0.10 1.72 0.02 Provisions for additional interest and rebuteo - dIncome tax ............................................. 0.02 Other .................................................. 0.03 e Other liabilities ....................................... 19 . - 0.16 - 0.80 - 0.73 - 1.08 - 0.50 0.01 - - 0.29 - - 0.09 0.02 0.32 0.52 0.08 0.23 0.17 0.30 0.72 0.78 43.84 50.07 Membera' equities Share capital: 20 a Ordinary shares ........................................ 40.03 30.67 bEatatefendowmsnt shares ................................ - - - cOther shares ...........................................- - - - 0.05 12.09 30.71 - - 21 Reserves ................................................ 0.52 0.80 0.39 3.29 2.75 22 Undivided surplus ....................................... 1.47 0.23 1.80 2.77 0.02 100.00 100.00 100.00 100.00 100.00 30 Total liabilities and members' equities 0.05 - S - 43 - TABLEAU 9. Shoes soos forae de pourcentage - Locales. 1978 - fin I I I British Northwest I Colubja II Territories II I Saskat- I Alberta Canada I chewan I Cojoobje- I Territoires du I Britannique Nord-0st No per cent - pourcentage Passif D8p6ts: U a oeptta 9.83 11.18 59.40 23.06 24.40 38.97 7.96 - 70.99 vue: a 9.39 - 17.01 Coinptes-rh9ques ..................................... 20.92 - 22.92 Autr.a ................................................ 55.81 - 38.03 DdpOts a terne ........................................ ... Eoprunts 8 payer: 5.24 12 1.86 6.43 2.55 - 2.13 Centr.ales, ligues, f€dérationa ........................... a 0.08 0.10 0.01 - 0.09 Benques 8 charte .......................................b .. 0.06 0.01 1.09 - 0.22 Autres ewprunts ....................................... cIptes 0.20 . 1.69 1,48 a payer: 13 1.07 - 1.00 Int6r8t .................................................. a 1.09 - 1.08 - 0,12 Dividendes ............................................... 6 0.11 - 0.01 - 0.14 Provisions pour intér8t cc ciatournes addltionnels .... 0.01 0.06 0.02 0.21 - 0.08 InpOt nor le revenu ...................................... d 0.20 0.34 0.53 0.18 - 0.19 Autres ................................................ 0.13 - 0.49 Autres é18ments du push . ............................... 0.05 - . 19 Avoir des sochétaires Capital Social: 0.15 - - . 20 18.68 11.00 6.14 - 15.24 Parts ordinaires ...................................... 0.03 0.01 0.16 - 0.04 Parts sociales en successions nu dotstionu ............... b 0.01 - - Autres parts ............................................. c - - • 2.57 0.70 1.45 - 1.97 R8serves ................................................ 21 0.17 0.75 0.79 na partis ré - 0.33 B8néficea n ...................................22 I 100.00 100.00 100.00 - 100.00 Total dv passif at avoir des actionnsirea ..........30 ii - 44 - TABLE 10. Revenue and Expense Statements - Locals. Newfoundland - Terre-Neuve Prince Edward Island Scotia Brunswick - - - Québec Ile-du-Princedouard Nouvelle- Nouveaucosse Brunswick I Ontario No. thousands of dollars - mil.liera de dollars Revenue Interest earned: 24 Demand deposits ......................................... .154 Term deposits ........................................... 915 . Personal and other non-mortgage loans .................. .. 217 Mortgages ............................................... 4 Ocher interest earned ................................... 31 a b o d o 32 33 39 Dividends received: Centrals, leagues, federations .......................... Other dividends received ................................ Service charges and coemissions ........................... Other ..................................................... ...1 .......72 60 Total revenue ......................................... a b 97 15 2,659 - 1,574 16,182 1,260 096 334 1,064 16,418 7,686 1,160 40,502 63,132 249,184 487,210 71,445 - 17,000 25,000 183,000 128,000 8.000 24 - 259 62 38 102 286 293 330 461 23,031 28,856 2.000 8.000 2,387 2,895 20,173 27,692 963,360 377.000 Demand deposits: 12 Chequing ............................................. Non-chequing ......................................... 42 640 Term deposits . ......................................... I Rebate of interest (patronage refunds) ................. 62 -Additional interest on savings deposits ................. 90 240 358 45 2 3,745 2,127 293 17 1,174 885 6,211 121 116 64,515 108,615 318,777 27,041 5.000 56,000 91,000 19,000 84 151 374 - 471 - 109 56 9,485 542 5.. Insurance: Loan protection ........................................ Life savings ........................................... Fire .................................................... Burglary, fidelity ...................................... Stabilization fund assessment ........................... Other................................................... 43 4 ......10 ......- 176 800 310 49 71 385 955 532 61 94 23,561 21,714 900 6,621 13,: 2. 1. 2. Dues and fees: Dues to centrals, leagues and federations Audit, inspection and filing fees: External audit ........................................ Government supervision and inspection ................. Service and clearing charges ............................ Legal and registration fees ............................. ...16 ......14 ....2 - - 6.000 - Expenses ii Interest on deposits: a 0 ii b d 42 Interest on loans: Centrals, leagues, federations ......................... Other .................................................. a 6 63 a b d e 64 a b I ii 65 Personnel expenses: Salaries, honoraria, etc ................................ ..420 Staff benefits .......................................... ...20 Directors' and other official remuneration 1 Travel .................................................. ...10 a d 66 8 ii I ii c d 67 • b• 50 - 12 8 - 2 - - 29 - - 21.082 - - 27 199 651 - 78 - 21 - 50 7 285 68 77 53 17,308 1,600 600 544 44 12 3,531 365 18 74 3,516 989 46 84 148,084 16,287 2,200 2,000 65,000 4,000 2,000 500 6 174 - 3,167 1,500 4.500 - - 1,200 1,300 - Rent: Building rental ....................................... Equipment rental ...................................... ...17 ....6 - 231 Depreciation: Buildings ............................................. Equipment ............................................. Repairs and maintenance ................................. Property and business taxes, licenses ................... Heat, power and water ................................... ...14 ...33 .....5 ....2 ...11 15 20 16 9 18 74 164 86 132 86 76 64 134 151 128 4,704 5,887 12.193 4,064 3,484 1.300 1.400 2,000 1,600 1.000 46 11 414 303 300 124 30 371 101 167 625 764 1,116 8,800 2,742 6,400 14,094 25,922 3.600 1,000 2,600 2,500 8,000 281,200 General expenses: Stationery and supplies, including postage 46 .... 27 Telephone and telegram .. ......... ...................... Promotional expenses .................................... ...48 Provision for doubtful loans .............................. ...24 Other expenses ............................................ ...60 Total expenses ...................................... - 3 - - 1,839 2,284 15,892 18,440 860.249 611 13 598 4,281 9,252 4,281 9,252 103,111 14,299 88,812 95, 52 50 Income before prevision for income taxes ..................554 Provision for income taxes .............................. 5 2 Net income for the year .................................552 51 52 teas: Dividends ...............................................495 Income retained during the year .......................57 495 103 3,874 407 5,699 3,553 50,092 38,720 85. 10,: IS . Occupancy: a 68 69 9 - - - 95, - 45 - TABLEAU 10. tats des revensrn cc ddpenses - Locales, 1978 North,aest Territories British Colwsbia as Stchewan Alberta - Canada - ColoabieBr I tannique Territoiros do Nord-Oues t NO thousands of dollars - nIlliers de dollars Revenus 3,900 393 10,631 30.460 51,044 47.117 40.617 92,168 - - - 18,110 76.366 44,850 186 6,976 6.801 1.076 3.126 2.810 2,238 1,419 110,078 189,279 140,931 - - - 1 2 6 17.749 7,721 34.693 48,618 pividandon recus: 32 Cencrales, ligoes. fCdOratlon .................. . ...... ..a Autrea dlvtdendes reços .................................. b Frais d'adnlnlstration et csamissions ...................... 33 Autres ..................................................... 39 72 2,172,211 - 3,070 818 4,780 5,864 - (71.055 1 62 - - 338,344 aa L'67'396 678.210 1,058.074 88,695 Intérét gagné sur: q 3 31 vue .......... a DepOts DepOts terc .......................................... b ( Pr8ts personnela ci' astros prOts eon-hypothécairea ..34é 'St Hypothdcaires .......... d Autre intCrUt gagnd ....... 8,805 17.255 34,263 256,086 7403 Total des revenus ..................................... 40 Dkpensea IntCr8ts sur depOts: 72,347 782 150 10,218 52,495 143,400 4,000 168 .000 4,122 .28 250 8,462 95 9,094 3,855 3,173 1.353 169 279 2,308 3.765 1.015 700 700 2,211 2.529 1.320 265 456 760 4,000 42.000 26,196 25.142 64,917 196 2,378 - - 500 - 10 23 - 7 - 66,271 288.228 724.942 53.918 451 42,408 .1 5,977 a DHpOts A vue Coaptes-chUqueo ...................................... Autroa . .............................................. ..ii . De 1 pOts tense ......................................... ... ' Ristournes ............................................. IncirOt additlonnel oar lea depOts d'Epargne .. ......... ... d 42 IntdrOt sur enprunts: Centrales, ligues, lCdCratioos ............................ a Autres ................................................. Assurances: is 950 722 840 257 453 180 885 1.396 1,331 - 164 700 127 400 400 1,118 197 3.160 646 14.113 25.169 1.043 5,125 468 779 259 85 19.813 2.035 200 1.000 37.264 3,358 644 712 - - - - - - 1 - - 1 50,373 29,551 3.656 10,418 - 7.519 982 - - 1.578 300 Assurance-vie sur Cpargne .............................. locendie .............................................. Vol. fideIltC do personnel ............................ .... d RCpartitlon do fonda de atabilisatlon ..................... e Autres ................................................. 44 Cotisations et honoraires: a Cotisatlons sun centrales, ligoes St fédiraciona ........ a Honoraires pour verificatIon, Inspection cc ctassent: b Verification externe ................................. . 4.362 Surveillance cc inspection do gosverneeent ........... it 324 ' Frais de compcnsatlOn et d'adnlnistratlon .............. . 8,316 d ........... Honoraires Juridiques at droits d'inscription . 19,252 25,440 - 4 - 3 4 32 5 - 2 2,155 733 1.311 840 126 921 663 1,220 932 833 468 580 589 992 800 1,000 1,000 1,439 1,895 1,524 1.273 812 1,340 1,676 281 1.193 701 1,169 2,959 2,212 2,036 1.600 400 400 2.701 418 3,595 1,268 3.0.41 3,897 6,422 109,078 154,447 127,437 304,416 34,832 13,494 34,832 13,494 33,928 2,233 31,695 22,656 12,176 7,077 6,417 22.822 8.873 - - 4 2 5 - 3 - 3 297,486 33,271 6,356 . 4,738 45 Dépenses du personnel: Appointesents, honoraires. et ........................... a b Avantages sociaax ..................................... .. Rémundration St dipenses des cadres .................... OSpiacements ............................................ d 10,507 11,502 18,644 9,996 7 1 590 47 Ddpenses gCnCrales: Pspecerie SE fourniturea, p conprla lea from de poste a Téléphone cc tdlOgraoaea ................................ b DCpenses de pronotion .................................. Provision pour prCts dostess .............................. 48 hutres ddpennea ........................................... 49 - 1.875,396 48 296,815 17.430 279,385 Bénéfice avant laplts sac Ic revena ....................... 51 ProvisIon pour ipDts our le revenu ....................... 52 BCnCfice net pour l'annCe ...............................60 198,210 81,175 fo ins: Dividendes .............................................. 61 Excédent annuel non affecté ........................... 62 48 48 S it b Asortissencent: Bétiseots ............................................ Materiel .............................................. ii ReparatIons cc entrotlen ............................... TaXes foncllrca cc d'affaires, perais ................... d Cisauf loge, dnerIe dlectrique Ct esu .......... ......... S 120 - 9,819 5,544 21,493 7,128 . 14.830 27,124 46,980 - ' 46 Loper: Loyer des bltisentn .................................. Loyer du satCciel .................................... 5 2 4 - - 43 Assarance-vie sur prOts ................................... a Habitation: 551 456 41 ( Total den dCpenses .................................. 50 - 46 - TABLE 11. Common-sIze Revenue and Expense Statements - Locals, 197 Newfoundland - Terre-Neuve Prince Edward Island Nova Scotia iro::ocick Ile-du-PrinceEdouard Nouvelle- Nouveaucosse Brunswick . - - - Québec Ontario per cent - pourcentage Revenue 31 Interest caned: Denand deposits ............................................ 1.00 Term deposits ............................................. 6.45 Personal and other non-mortgage loans .....................80.23 Mortgages .................................................. 9.09 Other interest earned ......................................0.17 a b d o 32 Dividends received; Centrals, leagues, federations .............................0.04 Other dividends received .................................... Service charges and comoissions ............. ............. ...... Other ....................................................... 3.02 a 33 39 40 3.35 0.52 91.85 - 7.80 80.22 6.15 2,46 1.21 3.84 59.29 27.75 4.19 4.20 6.55 25.87 50.57 7,42 4.51 6.63 48.55 33.95 2-12 0.83 - 0.94 - 1.59 0.50 1.42 1.45 - 2.14 1.31 1.19 1.59 2.39 3.00 0.53 2.12 100.00 100.00 100.00 100.00 100.00 100.00 Demand deposits: Chequlng .............................................. Nnm-chequiog .......................................... Term deposits ........................................... Rebate of Interest (patronage refunds) .................. Additional interest on savings deposits ................. ..0.50 ..1.76 26.81 .2.60 .. - 3.11 8.29 12.37 1.55 0.01 18.56 10,54 1.45 0.08 4.24 3.20 22.43 0,44 0.42 4.62 11.27 33.09 2.81 1.33 14.32 24.14 5.04 Interest on loans; Centrals, leagues, federations .......................... Other ................................................... .3.52 6.33 12.92 2.33 0.39 0.20 0.98 0.06 1. 6.08 3.97 1.54 0.24 0.35 1.91 3.45 1.92 0.22 0.34 2.45 2.25 0.09 0.69 3. C. Total revenue ......................................... - - Expenses 41 Interest on deposits: a i it b c d 42 a 43 Insurance: Loan protection ......................................... 1.80 Life asoings ............................................ . 0.17 Fire .................................................... ... Burglary, fidelity ...................................... . 0.42 Stabilization fund assessment ........................... ... Other ....... ........................................... ....- a b o d • 44 a b I It d 45 d 46 - 0.41 0.28 - - - - - is C. - . 0.38 0,93 0.99 2.35 - 2.19 . 0.67 ... . 0.59 . 0.08 - 0.39 0.08 1.73 0.24 1.41 0.34 0.28 0.19 1.80 0.43 0.16 17.59 0.84 0.04 0.62 18.79 1.52 17.50 1.81 0.09 0.37 12.70 3.57 0.17 0.30 15.37 1.69 0.23 0.21 11.94 1.06 0.53 0.13 Rent: fluilding rental ....................................... fquipaent rental ...................................... 0.71 0.25 0.21 - 1.15 0.01 0.63 0.33 - 0,40 1.19 Depreciation; Building .............................................. Equipment ............................................. Repairs and maintenance ................................. P-operty and business taxes, licenses ................... Heat, power and water .................................... 0.59 1.38 0.21 0.08 0.46 0.52 0.69 0.55 0.31 0.62 0.37 0,81 0.43 0.65 0.43 0.27 0,23 0.48 0.55 0,46 0.50 0.61 1.27 0,42 0.36 0,34 0,37 0,53 0.42 0.27 1.59 0.38 1.50 0.37 1.08 4.28 1.04 1.84 0.50 0,83 4.09 3.79 4.03 0.91 0.29 0.66 1.46 2,69 0.95 0.27 0.69 0.66 2.12 Dues and fees: Dues to centrals, leagues and federations ............... Audit, inspection and filing fees; External audit ........................................ Government supervision and inspection ................. Service and clearing charges ............................ Legal and registration fees ............................. - 0.41 - 0,10 - - 0.32 0.35 - Occupancy: 5 I it b i it d e 17 a 18 19 - - 0.07 Personnel expenses: Salaries, honoraria, etc ................................ Staff benefits .......................................... Directors' and other official remuneration Travel .................................................. a b - General copenses: Stationery and supplies, including postage 1.93 Telephone and telegram... ............................... . 1.13 Promotional expenses .................................... 2.01 Provision for doubtful loans .............................. 1.01 Other expenses ............................................ 2.51 - - - 10 Total expenses ...................................... 76.79 78.89 78.78 66.59 89.30 74.59 ii 12 :0 tnco,e before provision for income 1:505 .................. 23.21 Provision for income taxes ............................... 0.08 Net income for the year ................................. 23.13 21.11 0,43 20.66 21.22 33.41 21.22 33.41 10.70 1.48 9.22 23. 0. 23. 11 12 Less: Dividends ............................................... 20.74 tncmne retained during the year ........................ 2.39 17.10 3.56 19.20 2.02 20.58 12.83 5.20 4,02 2. ,,$) uusJar average. - - C - 47 - AU 11, itats des revenus Ct dépenses sous forise de pourcentage - Locales, 1978 itoba British Colisebia SaskaL- Alberta chewan Northwest Territories - - ColoxbieBritannique Territoires du Nord-Ouest Canada(l) No per Cent - pourtentage Kevenun 3.54 0.21 9.66 16.09 46.37 24.89 36,90 48.70 - - - 12.85 54.19 31.82 0.13 3.69 3.59 1.65 1.18 1.01 100.00 100.00 100.00 - - 0.98 2.55 - 2.60 5.10 10.13 75.69 2.19 - 1.39 86.11 - 1.39 3.27 7.71 31.22 48.71 4.08 lntdr8t gagnfi our: 31 DNpOts N von ............................................a DepOts 11 terre ..........................................b PrPts personnels et autres prOts non-hypothCcaires c HypothCcaires ........................................... d Astre IncCrOt gagni ..................................... e Dividendes recus: 32 Centrales, ligues, fAdArations ..........................a Antres dlvidendes recus ................................. b Frais d'adninistration et conselasions .....................33 Autres .................................................... 39 0.91 0.24 1.41 1.73 2.78 8.33 0.82 0.35 1.60 2.26 100.00 100.00 100.00 - Total des revenus .....................................40 DOpenses IntCrBt our d8p6cs: 2.11 0.69 38.15 13.84 22.84 34.30 1.26 0.18 - Li, • .38 - 51.34 0.56 0.11 3.02 15.52 42.38 1.18 0.05 2.18 0.13 6.00 0.07 2.69 1.14 9.71 1.68 0.71 0.09 0.15 1.22 2.67 0.72 0.50 0.50 1.57 0.75 0.39 0.08 0.13 1.39 - - 0.35 - - 0.18 0.13 0.16 0.47 0.70 0.09 0.50 0.09 0.28 0.28 0.35 0.06 0.93 0.19 12.82 13.30 0.95 2.71 0.42 0.41 0.23 0.04 14.06 1.44 0.14 0.71 11.01 0.99 0.19 0.21 - - - - - 0.28 0.44 - - - 0.66 1.27 - 13.89 31.94 1.39 - 5.56 - 4.17 5.56 44.44 6.94 - 2.78 3.05 13.27 33.37 2.48 0.02 41 a DepOts N vue: Comptes-chhques ...................................... ,'utre5 .................................................ii DepOts N terre .......................................... 6 Rtstoarnes .............................................. C IntOrOt additionnel our len depOts d'Cpargne ............ d 1.95 0.28 42 IntCrOt sur enpronts: Centralen, ligues. f6d8rettons ..........................a Autres ................................................. 2.32 1.36 0.17 0.48 0.35 0.05 43 Assurances: Assurance-vie our prOts ................................. a Assurance-vie our ipargne ...............................b Incendie ............................................... Vol. fidelitA do personnel .............................. d Repartition du foods de stablllsation .................. Autres ................................................. 1.17 0.20 0.02 0.38 0.89 13.69 1.53 0.29 0,22 44 Cotisatlons Ct honoralres: Cotisationa aux centrales, ligues cc fAdArattons a Honoraires pour v8rlfiration, inspection cc claasement: 6 Vr1fication enterne ................................. it iorvetllance et Inspection do conoernenent ........... Fralu de corpensation Ct d'sdninistration .............. Ilonorsires juridiques at droita d'inscrtption ........... d 45 Dèpenaes do personnel: Appointenients, honoraires, etc ..........................a Avuntages sociaun ....................................... 6 RAsunérutlon et d8penses des cadres .................... Déplacesents ............................................ d Habitation: 46 0.24 .- 1.12 0.21 0.64 0.22 5.56 2.78 0.45 0.26 Loyer: Loper des bitiments .................................. Loyer do materiel .................................... 1.25 0.11 0.60 0.85 0.42 0.44 0.49 0.64 0.44 0.31 0.42 0.70 0.57 0.71 0.71 0.43 0.56 0.45 0.38 0.24 6.94 0.48 0.53 0.86 0.46 0.35 Amortisseinent: b BOtiments ............................................ Materiel ..............................................ii Reparations cc entretien ............................... Taxes fonci8ren et d'affaires, permis ...................d Chauffage, 8nergie Clectrtque et eas ....................e 1.22 0.26 0.64 2.69 2.01 0.88 0.63 0.62 1.08 1.14 0.28 0.28 1.92 0.30 1.06 0.37 0.90 1.15 1.90 6.94 2.78 5.56 99.09 81.60 90.43 89.97 166.67 0.50 - '.91 18.40 .08 .83 18.40 9.57 9.57 10.03 0.66 9.37 11.97 6.43 5.02 4.55 6.75 2.62 - .83 do dollar. - - 4.17 - 4.17 - -. - 66.67 - 66.67 - 66.67 - - 0.99 0.33 0.68 1.25 2.16 I DOpenses g8nhrales: 47 a Papeterie et fournitures, y cnepris lea frais de posts Tiliphone et tClCgraes ................................ b DApenses de prosotlon ................................... c Provision pour prOts dooteux ..............................48 .\utres dCpenses ........................................... 49 86.54 Total des dépeoses .................................. 50 13.66 0.80 12.86 BCnOftce avant impOts our Ic revenu ....................... 51 ProvisIon pour tmp6ts our in revens .......................52 BAnCfice net pour i'annie ...............................60 9,12 3.74 Moms: Dividendes .............................................. 61 Encedent snnuel non affecté ...........................62 - 48 - TABLE 12. Undivided Surplus Statement - Locals, 1978 Prince Edward Nova New Newfoundland Island Scotia Brunswick - . - - - Québec Terre-Neuve Ile-du- Nouvelle- fouveasPrince- (cosse Brunswick douard thousands of dollars - tailliers de dollars 101 Balance of undivided surplus at beginning of the year - 81 62 3,131 7,294 13,231 Add: 102 Net income (loss) from operations for the year 552 598 4,281 9,252 88,1 103 Profit (loss) or sale or maturity of bonds and other in- - - - l,f vestments. 104 Other additions ............................................. - 5 112 - 95,000 Deduct: LOS Appropriations to reserves .....................................2 96 95 2.420 40.1 1Sf, Dividends on shares ..........................................495 495 3.874 5,699 50,i 107 Other deductions .............................................331 9 135 632 3.900 85.000 110 Balance of undivided surplus at end of the year - 357 65 3.420 7.795 2, 19,331 TABLE 13. Allowance (Reserves) for Doubtful Non-mortgage Loans Statement - Locals, 1978 Prince Edward Nova New Newfoundland Island Scotia Brunswick - . - - - Québec Ontario rerre-Neuve Ile-du- Nouvelle- NouveauPrince- cosse Brunswick No. thousands of dollars - milliera de dollars - 131 Balance at beginning of the year .............................. ..58 389 2,624 668 23,867 . Add: 133 134 Provisions made during the year ............................. Loans recovered during the year ............................. . 17 .. 8 124 26 825 223 128 296 108 1,966 - 53 717 - 251 431 1,759 356 - 405 8,892 - 1.485 Deduct: 136 139 Loans written off during the year ........................... Other adjustmcnts ........................................... 160 Amount of accumulated allowances (reserves) at end of the current year. TABLE . - 1,865 3,734 - - 30,894 15,200 14. Allowance (Resercas) for Doubtful Mortgage Loans Statement - Lorais, 1978 iLo- 131 Balance at beginning of the year .............................. Prince Edward Nova New Newfoundland Island Scotia Brunswick - - Québec Ontario Terre-Neuve le-dui Nouvelle- NouveauPrince- 9cosse Brunswick ____________ douerd thousands of dollars - milliers de dollars - - - - 5,863 - Add: 133 Provisions node during the year ............................. 134 Loans recovered during the year .7 - - - 3,202 - - - - Deduct: 136 Loans written off during the year ........................... 139 Other adjustments .. .................................. ... ... . - - - - 1,547 - - - - - 140 Amount of accumulated ollowonces (reaervee) at end of the 7 - - - 9,518 I current year. . - 49 - TABLEAU 12. Etats des bPsOIizes non rbpartis - Locales, 1978 British Northwest Columbia Territories as kat Alberta - - Canada clowns Colombie Territoires du Nritaoniqoe Nord-Ouest thousands of dollars - inilliera de dollars I I I 869 3,119 11.937 31,425 - 777 74,811 Snide des bbnéfices non ripertia an dObot do l'annNe ........101 Aj outer: 917 34,832 13,494 31,695 - 48 279,385 Bésifioe net (nu porte) des operations pour l'ans8e .......102 - - - - - 1,626 B8nbfice (on perle) provenant de is vente on do l'NchNance 103 d'obligations ou dautres placements. - 404 - 2.310 - 2,831 Autres additions ..........................................104 Dëdu ire: 48 6,928 8,229 17 .933 22,656 7,077 22.822 - 430 - 827 5,217 - 591 3.554 10,716 79,694 Affoctotions one r850rves .................................105 198,210 Divideodes nor parts seciales.............................106 4,790 Autres deductions .........................................107 75.969 Solde den bbnOficea non r8partis B is fin de i'annbe ... 110 29,105 TABLEAU 13. Etatu des provisions (reserves) pour prlts sun reconnaissance de dette douteux - Locales, 1978 British Northwest Columbia Territories Socket- Alberta - - Cunoda Manitoba hewan C Colombie- Territoires ds Britannique Nord-Ouest No thousands of dollars - ,nilliers de dollars - 5,747 3,427 423 59,403 Bolde an debut de l'ann6e ...................................131 . Ajeuter: - 1,746 2,017 - 19,080 Provisions faites durast lasnêe ..........................133 - - 275 80 - 2,502 PrOts recouvr0s durant l'ansCe .............................134 Dhduire: 1,006 418 - 433 1,046 8,786 - 7.333 4,478 43 11,428 PrBts radiCs dorant l'annie ...............................536 69 Autres ajustements ........................................139 69,488 !4ostant des provisions (reserves) S Is fin de l'annCe 140 TABLEAU 14. Etats des provisions (rdserves) pour prets hypothleaires douteux - Locales, 1978 British Colnabia Saskat chewan Manitoba Alberta Northwest Territories Canada - - CoiombleBritanniqoe Territoires du Nerd-Oscar 90 thousands of dollars - - 3,854 - milliets do dollars 5,405 - 15,122 Snlde an debut do l'anoCe ................................... 131 Ajout er - - - - 955 385 1,880 215 - 8,044 600 Provisions faiten dorast 1annbn .......................... 133 Pr0tn recouvrhs durant l'annêe ............................. 134 D&doi re: - 425 - - - 4,769 1,218 78 - 3,190 78 6.204 - 20,498 Prets radiCs durast l'aso8e ............................... 136 Autres ajuutements ........................................ 139 Montant des provisions (reserves) B is fin do l'ann6e observOe. 140 - 50 - TABLE 15. Assets, Liabilities. Revenue and Expenses, by Size of Locals. 1978 Newfoundland Prince Edward Island - TerreNeuve New Brunswick Nova Scotia Qodbe. - - - Ile-duPrincedouard NouvelleEcosse NouveauBrunswick Under $100,000 Nsrsber of credit unions .................................. 11 241 - 11 hI 253 thousands of dollars - milliers do dollars Assets: cash and demand deposits ............................... 8 loves Imests ............................................ 9 Personal and other cash loans .......................... 61 Mortgages .............................................. Other assets ........................................... 1 Total ................................................ 79 10 11 12 Liobilities: Deposits ............................................... 5 Other liabilities ...................................... 7 Share capital .......................................... 62 Reserves ............................................... 5 Surplus ................................................ - 13 Total ................................................ 79 14 15 1(. Revenue: Loan interest .......................................... 5 Interest on iovcntmeotS ................................Other.................................................. 1 17 Total................................................ 6 18 19 20 21 22 Expenses: Insurance .............................................. 1 Interest on deposits ................................... Interest rebates for the year .......................... Personnel expenses ..................................... 1 Other expenses ......................................... 2 23 Total................................................ 4 24 25 Netincome ............................................... 2 Dividends on shares ...................................... 2 26 Undivided surplus ..................................... 144 303 765 32 63 153 - 16 25 3 161 - 1,253 412 - 42 35 1,052 5 119 7 16 347 29 13 - 1.253 612 - 82 25 5 59 1 5 - 112 65 - - - - - 15 1 3 10 20 - 49 16 63 54 49 9 44 - - - 5 - 5 5 S 8100,000-9249,999 27 Number of credit unions ................................. ..- 2 25 thoosands of dollars 28 29 30 31 32 Assets: Cash and demand deposits .............................. ..Investments ............................................ Personal and other loans .............................. ..Mortgages .............................................. Other assets ........................................... - 84 52 - 243 4,336 3,154 - 40 59 122 19 3 634 132 3,440 17 313 362 21 2,527 173 71 I - 243 4,336 3,154 . - 22 I - . - - 376 39 14 231 39 1 22 429 271 2 .1 49 13 11 81 78 32 8 10 39 42 34 35 36 37 38 40 41 42 43 44 45 46 47 48 49 Total ..... .......................................... . Expenses: Insurance ............................................. Interest on deposits .................................. Interest rebates for the your ......................... Personnel expenses .................................... Otherexpenses ........................................ Total .. 375 433 2,210 128 68 Total ................................................ Revenue: Loon interest ......................................... Interest on investments ............................... Other ................. . ............................... 297 523 3,320 12 Liabiflties: Depunets .............................................. . Other liabilities ..................................... . Share capital .......................................... Reserves ......................... ...................... Surplus ............................................... . Total ... ............................................ milliern de dollars - 33 39 12 - 219 19 - - - - .. - ... ............................................. - - - - 2 6 - 11 232 131 197 158 140 106 39 34 So 51 Net ineone .............................................. Dividendson shares ..................................... . - 11 7 52 Undivided surplus ..................................... . - 4 - 35 216 - Si - TABLEAU 15. Actif, pass11, reverms et d6penses, euivant i'importance den locaLes, 1978 Northwest British Coiraibia Territories rskatches,an Alberta - - Coloobie- Territoires do Bri tannique Nord-Ouest Canada Moms de $100,000 FE 6 1 28 5 thousands of dollars - - 355 Nosbre do caissea d'Apargne et do credit .................... 2 784 15 84 4 - . Actif: Encalsae et depOts N vue .................................. Placements ................................................ PrNts personnel. et autres prits sur reconnaissance do det te. Hypoth9quee ............................................... Astres 81ê,enta d'actif ................................... 318 1,209 403 - .. Total ................................................... 17 26 258 16 1 33 10 1.068 48 48 34 23 311 26 9 - . . 318 1,209 403 - .. 10 98 208 - 20 97 198 123 239 48 24 2 1 87 20 5 36 7 3 21 112 46 4 1 - 6 2 4 18 22 2 6 1 6 5 12 52 20 15 15 60 59 26 10 1 7 . 1 illiera de dollars - - .. .. .. - .. - - .. .. - . - - - ,. - . . - .. - .. - .. - . . 4 Pasnif, DipOta .................................................... Astren Cldments do passif ................................. Capital social ............................................ R8sernes .................................................. B6n6fices ................................................. 10 II 12 8 Total ................................................... 13 tevenus: lnt8rit our pr8ta ......................................... Intfrt our placements .................................... Autros .................................................... 14 15 16 Total ................................................... 17 Dlpenses: Assurance ................................................. lntf rOt our depOts ........................................ Ristournes pour l'annCe ................................... D8penses do personnel ..................................... Autrea dCpenses ........................................... 18 19 20 21 22 - .. .. .. - . . Total ................................................... 23 - ., .. BdnCfice net ................................................ Dividendes sur parts sociales ............................... 24 25 16 - .. BCnCfices non rEpartia .................................... 26 11 - 362 - - $100.000-$249.999 4 25 thousands of dollars - ailliern de dollars 66 119 550 202 1,006 59 44 426 1,205 76 7 2.933 30 273 69 818 4.230 2,017 10 46 735 26 1 143 40 3,702 151 194 75 81 1,685 116 60 818 4,230 2.017 74 3 3 338 55 15 152 31 5 80 408 188 11 1 23 2 19 8 11 54 68 6 26 6 34 12 37 160 84 43 43 248 229 104 52 19 52 - - - .. - . - . . - . . - .. - .. - . - . . - .. - . - .. Nombre do caisses d'Cpargno et de cr8dit .................... WE Act if: Encaisue et depOts N vue .................................. Plucenents ................................................ PrOts pernonnels et autres prOts our reconnaissance do dot Ic Hypothlqoes ............................................... Autres 618menta d'actif ................................... 28 29 30 31 32 Total ................................................... 33 Pannif: DepOts .................................................... Autres 616ents do pasaif ................................. Capital social ............................................ R8anrves .................................................. BénCtices ................................................. 34 35 36 37 38 Total ................................................... 39 Revenus: IntfrOt our prOts ......................................... IntfrOt our piac,ents .................................... Autrea .................................................... 40 41 42 - . . - .. - . . - ., Total ................................................... 43 .. .. .. .. .. Dpenaes Assurance ................................................. tntfrPt our depOts ........................................ Rintournen pour Pommée ................................... DCpenaen do personnel ..................................... Autres dSpensea ........................................... 44 45 46 47 48 - Total ................................................... 49 .. Bénéfice net ................................................ Sivldendes our parts sociales ............................... 50 SI .. Bfnéf ices non rdpartis .................................... 52 - .. - . . - - - 52 - TABLE 15. Assets, Liabilities, Revenue and Expenses, by Size of Locals 1978 - Conti:: New Prince found- Edward New land Island Nova Scotia Brunswick - - - - Québec OnIc: Terre- lie-do- Nouveile- NouveauNeuve Prince- fcosse Brunswick douard 9250,000-9499,999 1 Bomber of credit unions .................................. . 4 1 14 thousands of dollars 2 3 4 Assets: Cash and demand deposits .............................. . investments ............................................ Personal and other cash loans ......................... . .56 .49 .. 080 5 6 Mortgages .............................................. Other assets ........................................... .......10 7 Total ................................................ 8 9 io 11 12 Liabilities: Deposits ............................................... Other liabilities ...................................... share capital .......................................... Reserves ............................................... Surplus ................................................ 13 14 15 16 17 18 19 20 21 22 23 24 25 26 294 605 3,871 644 536 2,378 2 62 92 677 14 1,195 275 4,924 4,049 ...179 ...114 .. 891 ... 10 ....1 151 29 87 4 4 596 35 3,952 20 321 503 96 3,162 219 89 Total ................................................ 1.195 275 4.924 4,049 Revenue; Loan interest .......................................... Interest on investments .. .............................. Other .................................................. 100 4 2 25 - 437 50 17 299 45 38 106 25 504 382 2 3 13 51 24 12 99 93 36 13 20 54 44 18 279 167 Net income ...............................................56 7 Dividends on shares ...................................... 4 225 217 215 170 8 45 Total ................................................ Expenses: insurance .............................................. 10 Inter.:ot on deposits ................................... 12 Interest rebates for the year .......................... 7 Personnel expenses ..................................... 14 Other expenses ......................................... 7 Total ................................................ 50 47 11 - 226 - - i5dividnd surplus ...................................... 1 3 102 I 179 n, illi era de dollars - . 9500,000-0999,999 27 Number of credit unions .................................. .1 2 16 thousands of dollars 28 29 30 Assets: Cash and demand deposits ............................... Investments ............................................ Personal and other cash loans .......................... .18 ..545 31 32 Horlgaeo .............................................. Other assets ........................................... ..6 33 Total ................................................ 34 35 36 37 38 Liabilities: Deposits ............................................... Other liabilities ...................................... Shore capitol ......................................... . Reserves ............................................... Surplus ............................................... . 39 Total ................................................ 40 41 42 Revenue: Loon interest .......................................... Interest on investments ............................... . Other .................................................. 43 Total ................................................ 44 45 46 47 4 Expenses: insurance .............................................. interest cm deposits ................................... Interest rebates for the year .......................... Personnel eapenses ..................................... Other expenses ......................................... ullliers de dollars 949 1,078 8,334 1.198 1,181 8,028 30 793 307 2,946 406 .569 1,634 11.481 13.759 ..2 56 4 .3 629 030 452 12 11 2.633 702 7,797 45 304 3,032 159 9,428 438 002 569 1.634 11,481 13.759 55 2 164 2 6 1.023 84 68 1.123 143 40 57 172 1,175 1.304 13 24 38 69 110 98 5 260 285 112 148 3 290 177 - .3 .10 .4 .3 97 18 - - 1,507 - - 49 Total ................................................ 20 144 758 730 50 51 Net income ............................................... Dividends on shares ...................................... 37 37 28 24 417 364 574 330 52 UndIvided surplus ...................................... 4 53 244 - 156 I 151 - 53 - LEAU 15. Actif, passif, revenus at d6penses. solvent l'isportance des locales. 1978- suite British North..,eet Columbia Territories Manitoba Saskatcheuan Alberta - - Casada Colombie-Territotres do Britannique Sord-Ouest $250,000-$499,999 7 12 1 I 18 10 - 358 Nombre do calasea d'épargne et de credit .................... thousands of dollars - ratlilers do dollars 194 620 1.213 297 1.078 19 136 819 1,664 - .. .. .. 489 36 4.775 74 930 115 - . . 2 .552 6.243 3,664 - .. 666 115 1.664 101 6 1.107 260 4,577 76 223 94 5 170 2.343 136 70 - .. . . . . 2,552 6.243 3.664 - .. 201 17 4 401 62 26 270 45 17 - . . 222 579 332 - , . .. 2 3 4 N 6 Total ................................................... Passif: DepOts .................................................... Autres Clements do passif ................................. Capital social ............................................ Bdserves .................................................. BCnClices ................................................. 9 10 11 12 a Total ................................................... 13 Revenus: IncCrlc cur prOts ......................................... lntOrêt sur placements .................................... Actres .................................................... 14 15 16 Total ................................................... 17 DCptnses: Assurance ................................................. InterOt our depOts ........................................ Ristournes pour l'annCe ................................... DOpenses du personnel ..................................... Aurres dCpenses ........................................... 18 19 20 21 22 Total ................................................... 23 50 14 28 57 23 100 96 3 84 7 81 15 - .. .. .. 128 304 190 - . 94 94 276 258 142 120 - .. NCnCf ice net ................................................ Dividendes our parts sociales ............................... 24 25 17 22 - .. BCnCf ices non rCpartis .................................... 26 10 - 404 Sombre de caisses d'Cpargne at de cr8dit .................... 27 AttiC: Encaisses at d8p8ta B sue ................................. Placement ................................................. Pr7ts personnels et autres pr€ts sur reconnaissance de 28 29 30 26 38 - . .. . . Actif Encaisse et depOts 1 vue .................................. Placement ................................................. Prlts personnels et autren prBts cur reconnaissance de dette. HypothBques ............................................... Autres ClCments d'actif ................................... - .. . 9500.000-9999.999 19 13 18 thousands of dollars - silliers de dollars 395 2.518 4,564 642 2.186 788 237 1,268 1,667 - . . 1,609 242 8,628 207 4.175 110 - .. . . 9,328 12,451 7,457 - .. . . dette. Hypothbques ............................................... Autres ClOments d'actif ................................... 31 32 .. Total ................................................... 33 Passif: DepOts .................................................... Autres Clement, do passif ................................. Capital social ............................................ Reserves .................................................. 88648 ices ................................................. 34 35 36 37 38 4.151 658 4.267 224 22 4.720 592 6,726 65 348 2,563 658 3.828 268 140 - .. .. .. .. .. 9 .328 12,451 7,457 - . . Total ................................................... 33 40 41 42 724 72 24 1,001 138 33 644 83 32 - .. ,. Revenue: IntCrOt cur pr8ts ......................................... InterOt our placements .................................... Astres .................................................... 820 1.172 759 - .. Total ................................................... 43 75 220 15 173 70 56 234 33 209 208 9 210 22 135 81 - . . DCpenses Assurance ................................................. lntCrCt our d6p6ts ........................................ Rintoornes poor lasn8e ................................... DCpenaen du personnel ..................................... Autres d8penses ........................................... 44 45 46 47 48 553 740 457 - .. Total ................................................... 49 267 231 4 32 358 302 188 - .. .. BCnCfice net ................................................ Dividendes cur parts social., ............................... 50 51 36 74 114 - .. 80641 ices non rBpartis .................................... 52 . .. ,. .. .. .. - 54 - I'ABLE 15. Assets, Liabilities, Revenue and Expenses, by Size of Locals, 1978 - Contic New Prince found- Edward New land Island Nova Scotia Brunswick - - - - Québec Ontarc Terre- Ile-du- Nouvelle- NouveauNeuve Prince- ec.9se Brunswick douard $1,000,000-S2,499,999 Number of credit unions .................................. .3 21 25 37 342 I 177 thousands of dollars - milliera de dollara 2 3 4 5 6 7 Assets Cash and demand deposits ............................... .36 Investments ............................................ .388 Personal and Other loa ns .............................. .488 .3. Mortagagea ............................................. Other assets .......................................... Total............................................... . 553 102 2.169 .277 2.505 4,373 27.812 5,513 4,570 36,569 68 2,859 1,061 15,836 5,274 - . 4254 2.892 38.610 67,762 Liabilities: Deposits ............................................... Other liabilities ...................................... Share capital .......................................... Reserves ............................................... Surplus ................................................ .1,062 ...478 2,558 ...109 ... 47 935 712 1.216 25 4 9.197 1.765 25.614 152 1,884 32,000 905 31,022 1,896 1,939 13 Total ................................................ 4,254 2,892 38.610 67,762 14 15 16 Revenue: Loan interest .......................................... Interest on investments ................................ Other .................................................. .382 ..39 . 13 251 12 21 3,502 372 172 4.375 535 9 17 Total................................................ 434 284 4,046 4,919 18 19 20 21 22 Expenses: Insurance .............................................. Interest on deposits ................................... Interest rebates for the year .......................... Personnel expenses ..................................... Other eopeos ......................................... en 17 67 45 72 42 20 35 7 75 87 315 343 60 908 924 317 1,084 55 771 711 23 Total................................................ 243 224 2.550 2.938 24 25 Net income ............................................... Dividends on shares ...................................... 191 131 60 61 1.496 1,191 1.981 1,269 26 Undivided surplus ...................................... 60 305 712 8 9 10 11 12 - 1 $2. 500.000-94,999,999 27 Number of credit unions ................................. 5 7 thousands of dollars 28 29 30 Assets: Cash and demand deposits ............................... ..593 Investments ............................................ ..325 Personal and other cash loans ......................... ..1,806 2,220 638 14,822 25 - 1.521 7,844 19,308 5,465 8.662 33.937 31 32 Mortgages .............................................. Other assets ........................................... ...288 ...29 646 853 712 23.268 522 33 Total ................................................ .3,041 18.326 24,238 71.854 Liabilities: Deposits .... .............. ... .......................... .2,318 Other liabilities ...................................... ...776 Share capital .......................................... ...352 Reserves .............................................. .... Surplus ............................................. ... - 405 8.996 3.489 5,657 141 43 9.623 1.913 11,890 96 716 19.569 1,445 45.328 2,768 2,744 34 35 36 37 38 - 39 Total................................................ 3,041 18,326 24,238 71,854 40 41 42 Revenue: Loan interest .......................................... Interes on investments ................................ Other.................................................. .253 .43 .14 1.702 86 58 2.370 167 113 6,241 835 661 43 Total................................................ .310 1,846 2,650 7,737 44 45 46 47 48 Expenses: Insurance .............................................. Interest on deposits ................................... Interest rebates for the year .......................... Personnel expenses ..................................... Other expenses ......................................... .12 .15 181 506 .60 .211 121 473 26 380 425 628 756 564 1,990 32 1,432 838 49 Total................................................ .298 1,425 2.071 4.847 50 51 Net income ............................................... Dividends on sharea ...................................... . 12 . 16 421 329 579 509 2,890 2,112 4 92 70 778 52 Undivided surplus . .................................... . .- - - 314 I 110 nilliers de dollars L,4 - 35 - .ABLEAIJ 15. Actif, passif, revenus at dOpenses. suivant l'importance des locales. 1978- suite British Northwest Columbia Territories nitoba Saskatchewan Alberta - - Canada ColombieTorritoires do Nord-Ouest Britannique $1, 000,000-82. 499. 999 46 47 . 25 23 thousands of dollars - - 727 Sombre de caisses d'épargne et de cr6dit .................... silliers de dollars 2.222 27,335 24.834 751 6.807 8.474 564 4,929 10.425 24,930 3,768 19,509 794 21.471 1276 83.089 36.335 38,663 50,136 5,166 25,392 2.128 267 16.064 1.331 11.620 352 968 21,888 2.663 12.454 1,079 581 83.039 36.335 38,665 6,465 810 243 3,036 514 121 3,303 387 162 7,538 3.671 3,852 416 2,741 54 1,523 711 159 967 103 705 547 53 1.665 52 710 397 5,443 2.481 2,897 2,093 1,571 1.190 920 955 215 522 270 740 - Actif: Encaiose et d8p8ts I we .................................. 2 Placements................................................ 3 Prits personnels et autrea prOts our reconnaissance de 4 dette. Hypothquen............................................... S Autres éliments d'actif ................................... 6 - Total................................................... 7 - - - - Pa Os If DepOts .................................................... 8 Autres flOmests du passif ................................. 9 Capital sorial ............................................ *0 - - Reserves .................................................. 11 BOnéfices ................................................. *2 Total ................................................... *3 - Revenus: IntdrOt our pr9ts ......................................... 14 IntirOt nut placements .................................... *5 Autres.................................................... 16 - Total ................................................... 17 - - DOpenses; Assurance ................................................. 18 Intent sot depOts ........................................ 19 Ristournes pour l'année ................................... 20 Dépenses du personnel ..................................... 2* • Autres dCpenses ........................................... 22 - Total ................................................... 23 - - B8néf ice net ................................................ 24 Dividendes our parts sociales ............................... 25 - BénOficee non rCpactis .................................... 26 - 62. 500,000-84,999,999 39 68 10 themsanda of dollars . 21 - - 600 Sombre de caisses d'Cpargne et de ccddit .................... 27 silliers do dollars - Act if: Eocaisse et depOts i we .................................. 28 Placements ................................................ 29 Frets pensonnels cc autres prBts our reconnaissance de 30 derte. HypothIques............................................... 31 Autres PlCsents d'actif ................................... 32 - Total................................................... 33 6.322 68,893 71,156 393 6,519 7,331 1.170 6.337 14.768 83,679 9.661 18.557 1,424 44,219 2.578 239.711 34,224 71,072 159.229 14,239 38,618 6,901 720 19,643 2.611 11,324 98 348 51.744 4.441 12,732 1.396 759 - Pa as if: DepOts.................................................... 36 Autres Clémests du pasoif ................................. 35 Capital social ............................................ 36 Reserves .................................................. 37 Bé séfices ................................................. 38 239.711 34,224 71,072 - Total ................................................... 39 19.077 2.094 550 2,690 420 141 5.777 512 272 - Revenus: IntCrOt sur prim 40 Intent our placements .................................... 41 Autres .................................................... 42 21.721 3.251 6.561 - Total ................................................... 43 1.065 9.246 335 3.664 2,060 150 1.253 730 657 19 3,380 105 1.036 719 - Dépenses: Assurance ................................................. 44 Intentour depOts ........................................ 45 Ristournea pour l'année ................................... 46 Dépenses do personnel ..................................... 47 Autres dCpenses ........................................... 48 16.370 2.190 5.259 - Total .................................................. 49 3.351 3.586 461 595 1.302 205 - 134 1.097 - 1.763 - - - - - - - - • . Binifice net ................................................ 50 Dividendes auc Potts sociales ............................... 51 • . BdnCf ices non rCpartia .................................... 52 - 56 - TABLE 15. Assets, Liabilities, Revenue and Expenses, by Size of Locala, 1978 - Continu New- Prince found- Edward land Island Nova Scotia Brunswick - - - - Québec Ontari NouveauNouvelleTerrejle-duBrunswick geosse Iieuve Princedosard 95, 000, 000-19 , 999, 999 1 Number of credit unions .................................. - 2 3 4 Assets Cash and demand deposits ............................... Investments ............................................ Personal and other rash loans ...,.,.......,.,,,.,..,.. - 340 104 4,515 Mortgages .............................................. Other auuets .......................................... - 1 14 3 318 thousands of dollars - sluices de dollars 5 7 8 9 10 11 12 Total . .............................................. Liabilities: Deposits .............................................. Other liabilities ..................................... Share capital ......................................... Reserves .................... . ......................... Surplus ............................................... 811 4.524 14,972 7,425 7,421 52.203 177 1,341 580 31,232 2,914 - 5,136 22,238 101,195 - 2,730 1,172 1,208 26 9,800 367 10,956 88 1.027 51,902 3,289 40.671 3,305 2,028 - - - 13 Total ................................................ - 5,138 22.238 101,195 14 15 16 Revenue: Loan interest .... ..................................... . Interest on investments ... ............................ . Other .................................................. - 495 12 39 1.955 315 120 10.071 902 43 - 546 2.390 11,016 18 19 20 21 22 Expenses: Insurance .............................................. Interest on deposits ................................... Interest rebates for the year .......................... Personnel expenses ..................................... Other expenses ......................................... - 40 155 12 102 166 125 655 72 396 407 529 4,292 23 Total ........................ . ...................... .- 475 1,645 7.932 24 25 Net income ............................................... Dividends an shares ..................................... 71 70 745 671 3,084 1,707 1 74 1,377 17 26 Total ...... ......................................... . Undivided surplus ..................................... - 1,834 1,277 910,000,000-824.999,999 27 Number of credit unions .................................. .... 1 - 251 57 3 thousands of dollars - nilliers de dollars 28 29 30 31 32 33 Assets: Caah and demand deposits ............................... tsvestnents ............................................ Personal and other cash loans .......................... ... 147 . 1,446 10,232 - 2.393 6,173 30,906 1,529 1,281 9,715 Mortgages .................. . .......................... .. 2,429 ... 925 Other assets ........................................... - 4,739 2.674 5,428 1,729 46,885 19,682 31,205 1,074 15,041 165 - 620 8,769 1,450 8,794 260 409 Total ................................................ 15,179 liabilities: Deposits ............................................... Other liabilities ...................................... Share capital .......................................... . 7,722 . 2,152 . 5,305 .... - - 39 Total ................................................ 15,179 - 46.885 19.682 40 41 42 Revenue: Loan interest .......................................... Interest on investments ............................... Other ................................................. 1,337 96 41 - 4,364 403 166 1.708 58 232 1,474 - 4,933 1.998 .14 Insurance .............................................. Interest on deposits ................................... 600 Interest rebates for the year .... ..................... .Personnel expenses .................................... 300 306 Other expenses ......................................... - 262 2,058 130 931 1,145 76 851 34 35 36 37 38 43 Reserves ............................................... Surplus ................................................ Total ............................................... ....- Expenses: 44 45 46 47 48 - 219 532 49 Total ............................................... . .. 220 - 4,526 1,679 50 51 Net income ............................................... Dividends on shares ...................................... 254 254 - 407 577 319 52 Undivided surplus ...................................... - - 170 319 - - is - 57 - \KLEAI) 15. Actif, panaif, revenos at d8penaes, nuivant l'importanue don localea, 1978- British Northwest Colunbia Territories :mi tuba Saskatchewan Alberta - - Coloobie- Territoiren du Britanntque Nord-Ouest Canada *5.000.000-89.999.990 23 50 23 thousands of dollars - 52$ Noabre de caisses d'8pargne at do credit .................... 4,510 21.197 66.465 2,849 20,093 24,816 - .. .. .. Act it: Encaisne at dOpOta I vue .................................. Placunents ................................................ Pritn personnels at autres prts nor reconnaissance do 117.881 15.090 61,654 7.667 100,920 5,838 - .. ,. Hypothques ............................................... Astrea dlénents d'sctif ................................... 333,160 161,493 154,516 - .. 8.604 102.652 88.933 . 21 silliers do dollars 4 dette. Total ................................................... 232,005 20,085 71,127 9,049 894 122,730 13,874 23,208 450 1,231 112,776 7,812 28,963 3,217 1,748 - .. .. .. Pansif: DepOts .................................................... Autres i16munt do posaif ................................. Capital social ............................................ ROserves .................................................. Bdnifices ................................................. 333,160 161,493 154,516 - .. Total ................................................... 13 Ii 15 16 , 10 11 12 26,053 3,080 670 12,940 1,764 108 12,984 1,475 590 - . . ,. Revenus: intért sur prts ......................................... Intent Our plocesents .................................... Autres .................................................... 29,803 14,812 15.049 - . . Total ................................................... 17 Dépensen: Aauurunre ................................................. Intért our d8p8ts ........................................ Ristournos pour l'nnnée ................................... Dipenurs do personnel ..................................... Autres dipensen ........................................... 18 19 20 21 22 1,305 14,369 463 4,157 3,094 696 7.184 118 2,696 2,594 227 3.025 180 2.503 6,589 - .. .. 23,388 13,288 12,524 - . . Total ................................................... 23 6,415 4,452 1,524 1,460 2,525 1,720 - . . . . BénOfite net ................................................ Dividendea sun parts sotiales ............................... 24 25 1.963 64 805 - .. Bdnifices non ripartis .................................... 26 - 406 Noobre do caisson d'ipsrgne at do credit .................... 27 . . . $10,000,000-824 .999,999 18 27 23 25 thousands at dollar. - ailliors do dollars . 8,238 110,093 111,097 8,913 44,575 144,085 4,233 42,720 58,599 - .. .. .. 154,523 17,175 149.023 10,765 260,515 16,919 - .. .. Acti f: Ranaisse et depOts 1 vue .................................. Plauooents ................................................ Prts personnela at outran prts sun reronnuinsanco de delta. HypothDques ............................................... Autrea ilémenta d'ancif ................................... 401,126 357,361 382,986 - . . Total ................................................... 33 Pansif: DepOts .................................................... Autrea dldnents du pansif ................................. Capital social ............................................ Reserves .................................................. BénCfices ................................................. 34 35 36 37 38 28 29 30 31 32 279.379 23,907 86,508 10,651 681 272,774 28,241 51,246 1,552 3,548 286.980 26.203 54,968 8,309 4,526 - .. .. .. ., .. 401,126 357,361 382,986 - .. Total ................................................... 39 Itevenus IntOnOt our prks ......................................... Intérlt our placementu .................................... Autrea .................................................... 40 41 42 32,354 3,230 770 30,241 4,348 207 31,572 3,136 1,227 - .. .. .. 36,354 34,802 35,935 - . . Total ................................................... 43 DOpenses: Assurance ................................................. IntCrlt our depOts ........................................ Ristournes pour l'annde ................................... Ddpennes du personnel ..................................... Autres ddpensen ........................................... 44 45 46 47 48 1.452 17,558 308 5,882 3,605 1,540 17,332 490 5,758 5.421 551 19.861 990 5,406 3.579 - .. .. .. .. 28,805 30,541 30,387 - .. Total ................................................... 49 7,549 5,068 4,261 2,602 5.548 2,060 - . . .. Bénéfico net ................................................ Dividendea our parts cociutes ............................... 50 51 2,461 1,659 3,488 - .. BOndficeo non répartio .................................... 52 . - 58 - - TABLE 15. Assets, Liabilities, Revenue and Expenses, by line of Locals, 1978 - Cooclud,: New Prince found- Edward Nova New land Island Scotia Brunswick - - - Québec Ontario Terre- lie-do- Nouvelle- NouveauNeuve Prince- Ecosse Brunswick douard $25,000,000 and over I Number of credit unions.................................. - 1 - thousands of dollars 2 3 4 5 6 7 Assets: Cask and demand deposits ............................... Investments ............................................ Personal and other cash loans .......................... - - - - - - Total ................................................ 779 5,555 23,869 - - 29,199 3,720 3,498 142 - 644 - - 35,915 14 15 16 Loan interest .......................................... Interest on investments ................................ Other .................................................. - - - 3.313 his 6 17 Total ................................................ - - 3.934 18 19 20 21 22 Expenses: Insurance .............................................. loterest on deposits .................................. Interest rebates for the year .......................... Personnel enpenses ..................................... Other expenses ......................................... - Total ................................................ - - - . - - - - - - - - - - - 685 782 3,781 - .. - 123 2,191 - 28 - 35,915 - - 33 mullets de dollars Mortgages ............................................. ...3,507 2,205 Other assets ........................................... - Liabilities; 8 Deposits ............................................... 9 Other liabilities ...................................... 10 Share capital .......................................... .... ....... LiReserves .. 12 Surplus ............................................... ...... ............................ .13 - - 23 Total ................................................ - - 24 25 Net income ............................................... Dividends on shares ...................................... - - 153 133 26 Undivided surplus ...................................... - - 20 - - .. - - TABLE 16. Local Credit Unions, by Type of Association, 1978 New fosndland Type - TerreIleuve Prince Edward Island Nov. Scotia Now Brunswick Qukbec - - - tie-doPrioceEdouard Nouvellefcoss. SosveauBrunswick number - nombre 1 2 3 Residential: Rural .................................................. 5 Urban .................................................. 3 Other .................................................. 2 4 Total ................................................ ii 5 6 7 8 9 - 45 44 76 21 10 - - 13 89 97 Occnpationai: Eoployer ............................................... 8 22 Profession .............................................2 Trade union ............................................ 1 other .................................................. - 24 4 Total ................................................ 11 10 11 12 13 14 Associational: Racial ................................................. Religious .............................................. Fraternal .............................................. Co-operative ........................................... Other .................................................. - 15 Total ................................................ - 16 Grand total ........................................ 21 3 - - 22 29 - - - 6 - - - - 13 - 1 - 3 - 7 10 118 136 Ontario - 59 - OLEAU 15. Actif, passif, rev005n at dipesses, soivast l'importance den locales, 1978- fIn British 9ortloest ColumbIa Territories Manitoba Saskatchewan Alberta - - Colombie- Territoires do Britaonique Nord-Ouest Canada 925.000,000 et plus 12 5 16 thousands of dollars 36 - 22,810 204,766 213,097 20,354 96,205 474,493 42,270 377,129 274.813 534,596 35,690 190,397 32,428 2,230,412 105,615 1,010,959 813,877 3,030,239 798,029 46,840 140,696 26,432 962 689,980 75,395 37,426 7,268 3,608 2,701,757 154,618 113.650 39.002 21,212 1,010.959 813,877 3,030,239 • 85,146 4.469 3.099 70,386 10,975 763 235,611 27.787 12,214 92,714 82.124 275,612 2.928 • 50.939 1,203 15,679 8.960 3,506 66,660 12,778 14.137 4,650 188,004 2,637 32.067 25,240 79,709 77,081 252,598 13,005 7,596 5,045 1,748 23,014 18,252 5,409 3,295 4,762 - - 131 - .. .. - . - . . - . . - . . Sombre de caisees d'Bpargne et de credit .......................1 mullen do dollars - .. - . . - .. - . . - .. - . . - . . - .. - .. - ,. Act if: Encaisme et d8p8tm B cue .....................................2 Placements ................................................... 3 PrOto pernonnels et autres pr6ts our reconnaissance do 4 dette. }Iypothbques ............................................... Autres ClCments dactif ..................................... 6 Total ...................................................... 7 Passif: 1'OpStn ....................................................... 8 Autres CiCoentn du pass11 ................................... 9 Capital social ............................................. 10 R8serveo ................................................... 11 Bésif ices .................................................. 12 Total .................................................... 13 Revesus: lntCr8te our prPta ......................................... 14 IntCrlto our placements .................................... 15 Aatres ..................................................... 16 Total .................................................... 17 DBpenses: Asauraalce .................................................. lst8rPtn our d6p8ts ........................................ Rintournea pour l'asnée .................................... bépenoen do personnel ...................................... Autrea dCpesmea ............................................ 18 19 20 21 22 - .. .. .. - ,. Total .................................................... 23 - . . - .. Bénkfice net ................................................. 24 Dividenden our psrts socialen ................................ 25 - - BCnCficem non rCpartis ..................................... 26 TABLEAU 16. Caisson locales d'Bpargse at do credit, par genre d'aanociation, 1978 British Northwest Coluobia territorios Manitoba Saskatchewan Alberta - - Canada Colonbie- Territoires du Britannique liord-Ouest Cenre - - Lieu de rBeidence: r ..................................................... . . Rual . . Urbals .....................................................2 .. Aatre ......................................................3 193 54 36 13 27 18 - 7 - - - - 2061 881 541 - I . . I Total ...................................................I 4 21 2 - - 47 97 20 2 - 2 - - 231 671 101 I - - - - Profession .. Fmployeor ................................................. ..S .. Profession ................................................6 .. Sysdicat ..................................................7 .. Autrea ....................................................B - I .1 Total ................................................... I 9 Association: 5 13 4 - .. tthnlque ...................................................10 4 8 5 - .. Religieuse .................................................11 Mutuelle ...................................................12 Cooperative ................................................13 Autres.....................................................14 . 9 26 9 238 181 164 - - .. Total ....................................................15 Total BCoCral .........................................16 - 60 - TABLE 17. Loans Made - Locals, 1956-1978(1) Newfoundland Terre-Neuve Prince Edward Isi I1e-du-Prince-dourj Year Annëe Thousands of dollars Annual % change Thousands of dol lars Annual % change Mullets de dollars Changement de Z annual Milliers de dollars Changement de % annuel No 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 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 1956 ................................................ .. 200 1957 ................................................ ...300 1958 ................................................ ... 300 1959 ................................................ .. 300 1960 ................................................ .. 300 1961 ................................................ .. 4(30 1962 ................................................ .. 400 1963 ................................................ .. 470 1964 ................................................ .. 518 1965 ................................................ .. 710 1966 ................................................ .. 815 1967 ................................................ .. 846 1968 ................................................ 1,069 1969 ................................................ 1,267 1970 ................................................ 1,573 1971 ................................................ 1,906 1972 ................................................ 2,414 1973 ................................................ 3,587 1974 ................................................ 3,797 1975 ................................................ 5,374 1976 ................................................ 6,951 1977 ................................................ 15,304 1978 ................................................ 17,982 -50.0 ---33.3 -17.5 10.2 37.1 14.8 3.8 26.4 18.5 24.2 21.2 26.7 48.6 5.9 41.5 29.3 120.2 17.5 700 300 800 900 1,000 800 800 1,100 1,400 1,700 1,729 2,263 2,680 2,272 5,004 4,106 5,524 8,293 8,023 9,289 11,130 14,102 18.560 - - - - 12.5 57.1 166.7 12.5 11.1 20.0 -37.5 27.3 21.4 1.7 30.9 18.4 15.2 120.2 17.9 34.5 50. 3. 1. 19. 2. 3; - Nova Scotia New Brunswick Nouvelle-Ecosse Nouveau-Brunswick Thousands of dollars Annual 1 change Thousands of dollars Annual I change Milliers de dollars Changement de 1 annuel Milliers de dollars Changement de 1 annuel 1956 ............................................... 6,100 1957 ................................................ ..6,900 1958 ................................................ ..8,900 1959 ................................................ ..10,200 1960 ............................................... ...10,900 1961 ...11,400 1962 ................................................ ..12,900 1963 ................................................ ..20,000 1964 ................................................ ..21,700 1965 ................................................ ..25,293 1966 ................................................ ..26,607 1967 ................................................ .. 28,552 1968 ................................................ ...... 1969 ................................................ ..... 1970 ................................................ ..36,282 1971 ................................................ ..... 1972 ................................................ ....... 1973 ................................................ . 65,376 1974 ................................................ . 64,807 1975 ................................................ . 75,086 1976 ................................................ . 90,950 1977 ................................................ 103,846 1978 ................................................ 121,659 10.9 13.1 29.0 14.6 6.9 4.6 13.2 55.0 8.5 16.6 5.2 7.3 .. ... ............................................... . . . . . . . . . . . .. . . - 0.9 15.9 21.1 14.2 17.1 IT Statistics prior to 1966 taken from Department of Agriculture, Credit Unions in Canada, 1965. 5,700 6,500 6,200 7,200 7,600 8,100 9,100 9,300 10,500 11,800 13.636 14,759 16,551 17,510 18,345 23,823 33,616 49,249 62,544 80,842 111,497 133,721 158.583 - . 16.3 14.0 4.6 16.1 5.6 6.6 12.3 2.2 12.9 12.4 15.6 8.2 12.1 4. 29. 41.; 4. 27. 29. 37.9 19.9 18.6 . - 61 - TABLEAU 17. Prts consentis - Locales, 1956-1978(1) S Saskatchewan Manitoba Ontario Thousands of dollars Annual Z change Thousands of dollars Annual Z change Thousands of dollars Annual Z change Thousands of dollars Annual Z change Milliers do dollars Changement de Z annuel Milliers de dollars Changement de Z annuel ililliers de dollars Changement de Z annuel Milliers do dollars Changement de X annuel 18.4 1.3 12.1 10.1 - 10.2 45.6 16.0 16.8 17.0 21.1 11.5 7.1 14.7 - 0.2 16.1 52.0 - 4.9 38.1 19.6 8.0 41.1 31.2 16.7 133,300 135,000 151,300 166,600 149,600 217,800 252,600 295,100 345,300 418,200 466,108 499,032 572,508 571,361 686,582 1,043,934 992,556 1,370.389 ,f , 38,569 • 70,199 .98,623 .77,192 802 27.5 16.5 25.9 28.4 14.5 15.7 14.1 25.8 18.1 11.7 14.9 11.7 8.8 7.9 13,900 16,200 20,400 26,200 30,000 34,700 39,600 49,800 58,800 65,672 75,433 84,270 91,685 98,930 98,896 117,048 156,280 188,886 252,643 317,159 372,084 380,620 15.2 21.3 17.6 21.3 9.3 7.3 23.2 7.0 24.0 10.1 10.0 - 5.5 20.8 8.0 36.2 25.8 31.0 - 2.7 - 6.2 35.7 16.0 33.1 20.5 81,700 99,100 116,500 141,300 154,500 165,800 204,200 218,400 270,800 298,200 327,900 309,784 374,107 404,098 550,505 692,453 907,245 883,067 827,913 1,123,854 1,303,437 1,734,826 2.091,000 18.4 33.5 20.9 33.8 25.5 17.3 2.3 17,800 20,700 25,700 37,600 43,600 51,300 67,900 84,500 102,900 129,066 131,071 166,249 168,862 148,169 146,876 193,161 244,917 358, 732 438,823 569,490 667,767 767,101 917 • 218 14.1 1 16.3 2 24.2 3 46.3 4 16.0 5 17.7 6 32.4 7 24,4 8 21.8 9 25.4 10 1.6 11 26.8 12 1.6 13 - 12.3 14 -0.9 15 31.5 16 26.8 17 46.5 18 22.3 19 29.8 20 17.3 21 14.9 22 19.1 21 . Alberta British Columbia Northwest Territories Colombie-Britannique Canada Territoires du Nord-Ouest Thousands of dollars Annual Z change Thousands of dollars Annual Z change Thousands of dollars Annual Z change Thousands of dollars Annual Z change Milliers do dollars Changement de Z arinuel Milliers do dollars Changement de Z annuel Milliers do dollars Changement de Z annuel Milliers de dollars Changement de 2 annuel 20.5 10,600 10.4 11,700 26.5 14,800 19.6 17,700 13.0 20,000 19.5 23,900 34.7 32,200 5.6 30,390 14.5 34,801 10.9 38,610 42,907 11.1 53,540 24.8 18.4 63,410 63,223 0.3 75,338 19.2 46.0 09,982 51,617 37.9 194,856 28.5 223,144 14.5 157,732 60.3 .54,972 27.2 54.1 101,005 784,080 1 11.8 - - 39,700 48,100 46,200 64,700 63,600 64,500 56,600 62,900 71,900 88,900 140,335 163,750 190,679 164,917 161,930 276,292 423,554 643,332 - - - - 33.2 21.2 4.0 40.0 1.7 1.4 12.2 11.1 14.3 23.6 57.9 16.7 16.4 13.5 1.8 70.6 53.3 51.9 - - - - - - - - - - - - - - - - - - - - - - - - 30 309,700 344,800 391,100 672,700 481,200 578,700 676,300 771,960 918,619 1,078,151 1,226,541 1,323,045 19.1 11.3 13.4 20.9 1.8 20.3 16,9 14.1 19.0 17.4 13.8 7.9 .. .. .. . . .. .. . . . . . . . . .. . . .. .. .. . . .. .. . . . . .. . . - .. . . .. .. •• .. . . . . . . . . . . . . 970,322 1,607,093 1,792,224 .. 65.6 11.5 74 116 - . . 56.8 - 6,487,807 8,734,926 - . (1) La statistique antérieure B 1966 eat tirée de Lea Caisses Poulaires au Canada, 1965, publication du ministBre de 1 'Agriculture. . . 34.6 . . 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 44 45 46 - 62 - TABLE 18. Loan Accounts - Locals, 1978 C Prince Edward Nova New Newfoundland Island Scotia Brunswick - - - - Quibec Terre-Neuve tie-du-Prince- Noovelle- Nouveaudouord tcosse Brunswick - Statement of non-mortgage loan accounts I Balance of loans outstanding at beginning of the year 13.361 19.258 123,766 117,955 1.796.247 1,451.425 16,107 18.560 113,066 123,448 1,940,900 1,303,000 Repayments received during the year ......................... 11,869 Other adjustments ............................................. 136 Balance of outstanding loans at and of the current year 17. 463 13,929 98,274 3,642 134,916 101.641 - 5,986 145.549 1,643,305 1,039,225 2.093.842 1,715,200 9.865 57,721 3,795,103 1,118,574 1,875 8.593 35.135 1,884,902 788,000 282 7,535 - 3,375 14,298 17.692 - 4.110 79,274 855,998 374,574 4,822,007 Add: 2 Advances on new loans made during the year ................. Deduct: 3 4 S 23,889 Statement of mortgage loan accounts 6 Balance of loans outstanding at beginning of the year ........ 1,408 Add: 7 Advances on new loans made during the year ................ .. Deduct: 8 9 10 Repayments received during the year ........................ Other adjustments .......................................... Balance of outstanding loans at end of current year - 3.001 C Total loans (non-nortgage and mortgage) ii Balance of loans outstanding at bef inning of the year 14,769 19.258 133.631 175,676 5, 589,3 12 Advances on new loans made during the year ................... 17,982 18,560 121,659 158,583 3,825.802 13 14 15 Repayments received during the year .......................... 12,151 Adjustments .................................................. 136 Balance of outstanding loans at end of current year 20.464 13,929 23,889 105,809 267 149,214 119.533 - 10,098 224,823 16 Number of loans over 90 days in arrears .......................... 293 Deduct: 2.499,303 1,413,799 6,915,849 3,248.200 1,517 dolls -a Average size of loan made: 17 Non-mortgage ................................................. 3 , 260 INMortgage ...................................................... 22 1,482 1,583 5,562 1,945 17,454 2,997 24,375 Total ...................................................... 3579 1,482 1,667 2.422 5.278 19 Number of loans made during the year: 20 21 Non-mortgage ................................................. 4 , 941 Mortgage ...................................................... 84 12,527 71,419 1.545 63,455 2,013 647,538 77.329 22 Total (cash and mortgage) .................................. 5,025 12,527 72,964 65,468 724,867 per cent - p0: Ircentage Selected ratiom: 23 Allowasce for doubtful loans, reserves and undivided nutplus, to loans outstanding. Shares and deposits to loana outstanding ................... 0.14 3.03 3.97 7.76 5.88 2.56 24 102.71 93.03 118.00 114.49 137.27 123.27 25 Total .................................................... 102.85 96.06 121.97 122.25 143.15 125.01 Loans outstanding to total assets: 26 27 Non-mortgage ............................................... Mortgage ................................................... 71 . 8 12 . 3 83.8 71.1 7.5 11.6 28.1 20.7 47.6 28 Total .................................................... 84 .1 83.8 78.6 79.7 68.3 29 Per cent loans written off to loans outstanding .............. 0.62 0.45 1.32 0.32 0.05 . - 63 - TABLEAU 18. Coaptes de pr7ts - Locales. 1978 BritIsh Northwest Coloabia Territories Saskat- Alberta - - Canada chewan Colomble- lerritoires du Britaonique Nerd-Quest Mc thousands of dollars - mullers de dollars tat des coeptes do prBta our reconnaissance do dett 426,098 662,137 319.047 Solde des prOts en coors so debut do l'ann€e .................. 1 2,428 Ajouter: 470,574 475,152 381,026 * .. Avances nor nouveaux prts coneentis durast l'anni, .........2 D8dulre: 381,020 - 515,652 228,194 - 709,095 305.931 1.509 392,633 - 2,428 - .. .. ., Remboursements recu, durent l'annie ......................... 3 Autres ajostelnents .......................................... 4 Solde den prts en tours 8 1s fin do l'ann8e observe. 5 Etat des comptes de prts hypoth8celr.s 747,388 382.720 2.02 3,963 446,664 308.928 1,417,470 276,269 230.619 917,783 461,029 771,255 975 2,669,203 Solde des prtn en coure flu d6but de l'ann8e ..................6 Aj outer; Avances our nouveaux prim consentis durant l'annCe .........7 DCduire Remboursements reçus durant VannCe ......................... 8 Autres ajustement .......................................... 9 Solde den prits on cours I is fin do i'annCe obaerv*e ... 10 Total des prits (cur reconnaissance do dette et hypothques) . 1,173,486 917,238 844,857 784,080 2,343.010 Solde des prits an tours 2,428 flu d6but do l'nnnCe ................. II Avances cur nouveaux prits consentis durant l'annie .......... 12 1,798,496 D8duire: 657,289 1.433.435 458,813 1,170,124 1,077186 2,484 3,061,836 2,428 • . Remboursements reçua dutant l'annCe ........................ 13 Ajustements ................................................ 14 L5 Solde des prits en Coors 8 1s fin do l'annCe observCe • Noebre des erri6r8, de plus de 90 jours ...................... 16 1.817 dolllars Valour moyenne des prits consentls: 3,298 10.714 2,510 14,689 Prits our reconnalssance do dette .......................... 17 Prits hypothAcaires ........................................ 18 5,444 3,728 Total .................................................... 19 Nombres do prits consentis so coors do lanai.; 142,692 25,786 189,270 21,031 168,478 210,301 Prita our reconnaissance do dene .......................... 20 Prits hypoth8caires ........................................ 21 Total den pr8ts (cur reconnaissance do detto at hypeth8ques). 22 per cent - pourcentage Certain. rapport,; 1.36 3.98 2.81 3.05 3.63 116.43 133.45 109.76 111.65 126.13 23 Provisions pour prits douteux, riserves at b8n6ficea non ripartis flu prits en Coors. Actions or d6p8t, flu prit. en cours ........................ 24 117.79 137.43 112.57 114.70 129.76 Total .................................................... 25 24.8 44.1 49.7 32.3 10.6 72.3 24.7 45.2 82.0 82.9 69.9 0.07 0.07 0,08 Prits en cours I l'actif total: 68.9 nil - Prits sur reconnsissance do dette .......................... 26 Prits hypoth8csirsa ........................................ 27 Total .................................................... Poorcentage des prits radiCs par rapport ann prits on Coors 28 29 - 64 - TABLE 19. Purpose of Loans, 1978 Consolidation of debt Automobile purchases Consolidation de dettes Achats d'automobile Investments Edacation ducation Placements 1 2 Newfoundland: Cash loann .............................................. 1,908 Mortgage loans ............................................25 4,531 3 Total ............................................... 1,933 4 5 406 129 - - 4,531 406 129 Prince Edward Island: Cash loans .......................................... ..1,666 Mortgage loans ........................................ - 6,701 393 6 Total ............................................... 1,666 6,701 7 8 Nova Scotia: Cash loans ............................................ 24,270 Mortgage loans ........................................ 106 9 Total ............................................... 24,376 - 62 22 - Vacances lmp6ts at taxes 628 21 - 22 628 32 313 - 21 24 - 393 62 32 313 24 39,621 251 756 728 555 3,004 1,206 - - - 39.872 754 728 555 3,004. 21,085 3,428 35,854 320 1,991 902 384 2,050 - - 12 Total ............................................... 24,513 36,174 1.991 902 384 2.050 13 14 Québec: Cash loans ............................................ 477,895 Mortgage loans ..........................................- 477,726 21,176 62.795 2,396 39.523 15 Total ...............................................477,895 477,724 21,176 62.795 2,396 16 17 Ontario: Cash loans ............................................... . . Mortgage loans ........................................... .. .. ., .. .. ,. .. ., 18 Total .................................................. .. 19 20 Mani lobs: Cash loans ............................................... . . Mortgage loans ........................................... .. .. .. ,. ,. .. ,. 21 TOtal .................................................. .. .. .. .. 22 23 Saskatchewan: Cash loans ............................................. 64,972 Mortgage loans ......................................... 56,113 101,508 5,550 21,070 4.328 4,366 58 299 48 4,326 163 1,954 476 24 Total ............................................... 121,085 107.058 25,398 4,424 347 4,489 2,430 25 26 Alberta: Cash loans ........................................... 108,126 Mortgage loans .... .................................. .....- 105.648 61,884 8.048 5,078 8.937 5.358 27 Total ...............................................108,126 105,648 61,884 8,048 28 29 British Colombia: Cash loans .................................................. Mortgage loans ............................................. . . - .. .. .. ,, .. 30 Total ................................................... .. .. .. ,. New Brunswick: Cash loans ........... ............................... Mortgage loans ................. ..... . ............... .. .. - - - Holidays Soj;,s nédicaux et dentaires - 10 11 - Medical and dental - - - 31 32 Northwest Territories: Cash loans ........................................... Mortgage loans ....................................... .....- - - .....- - - 33 Total .............................................. .....- - - 34 35 36 Canada (for reporting provinces only): Cash loans ......................................... 699,922 Mortgage loans .....................................59,672 Total ............................................ 759,594 - - - - - - - - - 1.206 951 - - 951 11, - 39,523 16, - 5,078 - 8.937 5,358 - - - - - - - - 771,587 6,121 107.674 4,328 77,030 58 8,766 48 58,781 163 25, 777,708 112,002 77,088 8,814 58,944 26, - 65 - TABLEAU 19. But dee prlcs consentis, 1978 Real ostate - RApsrations de oaiaon Eqoipe.ent - Imaeuble Materiel Operating expenses D8penses d'exploitatlon Other Autren Estate or endowsent Dotationu ou succesajons Total N° th.,,,,,.1 .,F .I.,11.*. - - ,,4114 .,. A. A.al,.. 1,263 102 1,290 1,711 1,533 37 513 - 3.863 - 16,107 1,875 - Terre-Mauve: PrSts 8cr reconnaissance de dette ....................... 1 PrBta hypoth6caires .................................... 2 1.365 3.001 1,570 513 3,863 11.982 - Total ................................................. 3 1,167 - 2,611 - 1,384 - 2,947 - 1,260 - 18,560 - - 1le-du-Prioce4douard: Pr8ts sac reconnaissance de dette ...................... 4 PrBca hypothBcairea ..................................... S 1,167 2,611 1,384 2,947 1,260 18,560 - Total ................................................ 6 14,194 207 5,586 7,935 5,590 63 5,365 30 12,193 1 113.066 8.593 - Nocvel1e'-coaee: Pr8ta ear reconnaiaeance de detre ...................... 7 PrBts hypothCcairee .................................... 8 14,401 13,521 5,653 5,395 12,194 121.659 - Total ................................................ 9 12.778 3.351 10.724 25,965 7,112 541 7,656 733 21,961 797 123,448 35,135 - Nouveau-BrunswIck: PrSta sur reconnaissance de dette ..................... 10 Pr8ta hypothécairea ................................... 11 16,129 36,689 7,653 8,389 22,758 158,583 - Total ................................................ 12 3 1,884,902 193,932 - 223.198 - 32,081 - 1.940.900 1,884,902 - Québec: PrSta our reconnaissance de dette ..................... 13 Préta hypothécairea ................................... 14 .1 1,884,902 193,932 223,198 32,081 3,825,802 - Total ............................................... iS -. .. •. Ontario: PrRts sur reconnaissance de dette ..................... 16 PeSts hypothAcaires ................................... 17 Total ............................................... 18 Manitoba Prim sur reconnaissance de delta ..................... 19 Prits hypothécaleen ................................... 20 l ocal ............................................... 21 10,571 46.206 310.530 108,881 24,422 98,883 32,154 8.364 2,251 470.574 446,664 553 - Saskatchewan: Pnits sar reconnaiaaance de dette ..................... 22 Frits hypothAcaires ................................... 23 20,316 356,756 133.303 131,037 10,615 917,238 353 Total ............................................... 24 46,777 - 400,100 34.807 - 88,782 - 45.031 - 518.476 400.100 - Alberta: PrSrs nor reconnaiaeaoce de dette ..................... 25 Prita hypothécairen ................................... 26 46,777 400.100 34,807 88.782 45,031 918,576 - Total ............................................... 27 -. .. .. 9,745 .. Coiob1e-Britanoique: Prita sur reconnaissance de dette ..................... 28 Prita hypothAcairea ................................... 29 Total ............................................... 30 - - - - - - - Territoires du Nord-Ouest: Prita our reconnaissance de dette ..................... 31 Pritn hypothAcaires ................................... 32 - - - - - - - Total ............................................... 33 i,867 i-.,23l 66,417 2.631,143 353.239 25,063 427.344 32,917 124.753 3,049 3,201.131 2.777.269 353 - Canada (provinces dCciarantes neuleaent): Prit8 nor reconnaissance de dette ................... 34 Prits hypothBcairee ................................. 35 •4,098 2,697,560 378,302 460,261 127,802 5,978,400 353 Total ............................................. 36 - 66 - TABLE 20. Purpose of Loans Made as a Percentage of Total Loans, 1978 Consolidation of debt Automobile purchases Connolidalton de dettes Achats dautomobile Investments Education Education Placements Medical and dental Bolidayc Sotna mPdicauo et dentaires Vacancos lmpSts at taxes per cent - pourcentage Newfoundland: I Cash loans ............................................ 10.61 2 Mortgage loans ......................................... 0.1 4 2.26 - 0.72 - 0.12 - 3.69 0.12 - 25.20 2.26 0.72 0.12 3.49 0.12 Cash loana ............................................. 8.98 36.10 SMortgage loans .. .................................... ......... - 2.12 0.33 0.17 1.69 0.13 3 Total ............................................... 10.71 25.20 Prince Edward laland: 4 6 Total ................................................8.96 - - - - 36.10 2.12 0.33 0.17 1,69 0.13 0.62 0.60 0.46 2.47 0.99 Nova Scotia: 7 Cash loans ............................................ 19.95 32.17 8 Mortgage loans .........................................0.09 0.20 Total ............................................... 20.04 32.77 0.62 0.60 0.46 2.47 0.99 Cash loans ............................................13.29 22.61 1.26 0.57 0.24 1.29 0.60 iiMortgage loans .......................................... 2.17 0.20 9 - - - - New Brunswick: 10 12 Total ............................................... 15.46 - - - - 22.61 1.26 0.57 0.24 1.29 12.48 0.55 1.64 0.06 1.03 0.60 Quebec: 13 Cash loans ............................................12.49 14 Mortgage loana ...................................... 15 Total ............................................. .....- 12,49 .. - 12.48 - 0.55 - 1.64 - 0.06 - 1.03 . Ontar to: 16 Cash loans ............................................... . , 17 Mortgage loans ...................................... 18 .. .. .. .. .....,, Total .................................................. . , Manitoba: 19 Cash loans .......................................... ..... ,, .. .. 20 Mortgage loans ........................................... .. .. .. 21 Total .................................................. .. .. .. Saskatchewan: 22 Caah loans ............................................. 7.08 11.07 2.30 0.47 0.03 0,47 0.21 23 Mortgage loans ......................................... 6.12 0.60 0.47 0.01 0.01 0.02 0.05 24 Total ............................................... 13.20 11.67 2.77 0,48 0.04 0.49 0.26 11.50 6.74 0.88 0.55 0.97 0.58 Alberta: 25 Cash loans ............................................11.77 26 Mortgage loans .......................................... - 27 Total ............................................... 11.77 - 11.50 - 6.74 - 0.88 - 0.55 - 0.97 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 ......... 1.1,71 12.91 1.80 35 Mortgage loans .....................................1.00 0.10 0.07 13.01 1.87 36 . ...................... Total ........................................... . 12.71 1.29 0.15 0.98 1.29 0.15 0.98 0.58 - 67 - TABLEAU 20. But des pr8ts consentis, en pourcentage dx total des prOts, 1978 Es tate Real Operating or endowstate Equipment expenses Other Went - - - - Total Rpa- Ieuble Materiel D8pcnseo Mires Dotations rations d'explol- nu nutde aaiaon tatlon cessions per cent - pourcentage Terre-Neuve: 7.02 7.17 8.53 2.85 21.48 89.57 - Prits our reconnaissance de dette .................... 0.57 9.52 0.20 - - 10.43 - Prita hypothicaires ....................................2 7,59 16.69 8.73 2.85 21.48 100.00 - Total ................................................3 I1e-du-Prince-douard: 6.29 14.07 7.46 15.88 6.78 100.00 - Prits our reconnaissance de dstts .................... - - - - - - Prita hypothicairea ....................................5 6.29 14.07 7.46 15.88 6.78 100.00 - Total ...............................................6 Nouveils-cosse: 11.67 4.59 4.59 4.41 10.02 92.94 - Frita our reconnaissance de dette .......................7 . 0.17 6.52 0.06 0.02 - 7.06 - Prita hypotb8catraa .......................... . ....... ...B 11.84 11.11 4.65 4.43 10.02 100.00 - Total .................................................9 Nouveau-Brunswick: 8.06 6.76 4.48 4.83 13.85 77.84 - Frito our reconnaissance de dette ......................10 2.11. 16.37 0.35 0.46 0.50 22.16 - Frito hypothkcairee ....................................LI 10.17 23.13 4.83 5.29 14.35 100.00 - Total ................................................12 Quec éb - 5.07 5.84 0.84 50.73 Prits our reconnaissance de dettc, ......................13 49.27 - - - 49.27 - Prita hypoth8calrea ....................................14 49.27 5.07 5.84 0.84 100.00 - Total .............................................. ..IS Ontario Frito sur reconnaissance de dette ......................16 -- Frito hvnothCcafres ....................................17 Total ................................................18 1ani tuba: Prits our reconnaissance 4. dette ......................19 Frito hypotcaires M ....................................20 Total ...............................................21 Saskatchewan: 1.06 5.04 11.87 10.78 0.92 51.30 1.15 33.85 2.66 3.51 0.25 48.70 0.04 Prits our reconnaissance de dette ......................22 - Frito hypothicairea ...................................23 2.21 38.89 14.53 14.29 1.17 100.00 0.04 Total ...............................................24 3.79 9.67 6.90 56.44 - Frito our reconnaissance do dette .....................25 43.56 - Frets hypothicairea ...................................26 3.79 9.67 4.90 100.00 - focal ...............................................27 Alberta: 5.09 43.56 5.09 43.56 Colombie-Britannique: Frito our reconnaissance do dette .....................28 Frito hypothicatrea ...................................29 Total ................................................30 Terrltoires do Nord-Oseat: - Frets our reconnaissance do dette ......................31 - Prita hypothicairea ...................................32 - Total ...............................................33 Canada (provinces diclarant seuletsent): an UI . 11 5.91 7.15 2.08 53.55 Frito our recoanaisance do dette ....................34 0.55 0.06 46.45 45.12 6.33 7.70 2.14 100.00 • .. Total .............................................36 44.01 0.42 Frito hypothicaires .................................35 - 68 - TABLE 21. Number of Credit Unions Offering Services, by Province, 1978 Newfoundland Prince Edward Island - TerreNeuve Nova Scotia New Brunswick Québec - - - Ile-duPrinceEdouard NouvelleEcosse NouveauBrunswick 1 Chequing accounts (regotiablc orders) .........................2 11 63 121 2 Safety deposit bonee .......................................... 1 1 21 . . 3 Vault storage ................................................. 1 2 22 4 Money orders .................................................. 2 10 44 5 Travel cheques ................................................ 2 7 31 6 Conmbusion agent .............................................. 1 9 21 7 Other ......................................................... 4 - .. . - - TABLE 22. Schedule of Interest and Dividend Rates of Local Credit Unions, by Province, 1978 Newfoundland Prince Edward Island - TerreNeuve Nova Scotia New Brunswick - - tie-duPrinceouard NouveileEcosse Québec - per cent Ontario NouveauBrunswick - pourcentage Interest rates paid on deposits: 1 2 3 4 Ordinary, demand, or savings deposit: Chequ!ng .....................................................4.00 Non-rhequing ............................................. .25. 6. 9.50 Term deposits . ......... . ................................... .7.00-. 1.25 Other forms of deposits .....................................8.75-10.25 - 6.00- 9.00 9.50-10.00 3.00 6.00-10.25 7.00-10.50 - 6.10-10.50 6.10-10.75 6.50-10.50 - - Interest eates charged on: 5 6 7 S First mortgage loans ....................................... . . 2.00-13.75 Other collateral loans ...................................... 10.25-13.75 Unsecured or personal loans .................................6.00-14.40 Other loans including second mortgages ..................... . 2.00-13.75 9 Rate of dividends paid on ahares ............................. ...3.00- 9.00 10 Interest rebates (pstronage refunds) On loans ................. 5.00-30.00 11 Additional interest paid on savings deposits .................. 3.00- 6.00 9.00-15.00 9.00-15.00 9.00-15.00 9.00-15.00 10.50-11.25 5.00- 7.25 2.50-10.00 6.00- 7.00 5.00- 8.00 1.90-25.00 5.00-16.00 - 12,00-14.00 - - - 11.25-14.00 - 2.00-10.00 - TABLE 23. Number of Employees of Active Local Credit Unions, by Province, 1978 Newfoundland Prince Edward Island TerreNeuve he-doPrincedouard Nova Scot in New Brunswick Nouvellerosse NouveauBrunswick QuBbec Ontario number - noabre 1 Full-time (salaried) .......................................... 33 51 313 1 2 Part-time (salaried) .......................................... .10 4 146 1: 3 Voluntary ..................................................... 4 Total ....................................................... 2 - 262 41 55 721 1 Average number of employees per active credit ucion: Pull-tise (salaried) ........................................ 6 Part-time (salaried) ........................................ 7 Voluntary ................................................... .2.06 3.92 2.65 0.63 0.31 1.24 0.12 - 2.22 2.39 0,75 0.69 8 Total ..................................................... 2.81 4.23 6.11 3.83 - 69 - TABLEAU 21. Noebre de caissea dëpargne at do credit aasurant des services, par province. 1978 British Columbia Saskatchewan Alberta Northwest Territories Canads - - ColombieBritrnrniquv Territotres do Nord-Ovest No 76 - .. - .. Coapte-ch8ques (eandats négotiabies) .......................... I Coufrets do slretC ............................................ 2 - 67 .. - .. - 18 .. - .. Chambre forte .................................................3 - 72 .. - .. Mandats ....................................................... 4 - 76 . - - 48 .. - . Agent N comission ............................................ 6 - 79 -. - .. Autrea ........................................................ 7 Cheques do voyage ............................................. 5 TABLEAU 22. Taux dintCrSc at do dividende des caisnee locales d'épargne et de credit, par province. 1978 British Northwest Columbia Territories Manitoba Saskatchewan Alberta - Colombie- erritoires Nerd-Quest Britannique [d o NC per Cent - pourcentage Taux d'intCrét verse aur depOts: Ordinaires. N vue ou depOts d'Cpargne6 Coaptes-chNqses ............................................. 1 Autres ..................................................... 2 DepOts N terme ................................................ 3 Autros 5enres do depOts ...................................... 4 0.00- 4.50 8.00- 9.00 9.00-10.00 9.25- 9.75 .. .. .. .. 10. 75-12.00 11.00-12.00 12.00-14.00 14.00-15.00 .. .. .. .. - PrOts en prewibre hypothNque ............................... Autres prOto sor nantissesent ................................ 6 PrCts non garantis Os personnels ..............................7 8 Autrea prOts, y compris los prOts an deuxibse hypothCque 5.00 8.50 3.00- 8.00 .. - Taux des dividend.. d'actions .................................. 9 3.00-20.00 2.00-17.00 .. - Taux des ristournes our prNts ................................. 10 - IntArOt additionnel verse our las depOts d'dpargne ............ 2.00- 8.00 - 6.50-13.50 4.00- 9.50 - Taux d'intCrBt domandCs 5cr: 7.00-15.00 - - .. - 11 TABLEAU 23. Nombre d'msployCa des caisees locales d'Bpargne et de credit, par province, 1978 British Northwest Columbia Territories - Canada Manitoba Saskatchewan Alberta - Colombie- Territoirea Britarvoique da Nord-Oceat number - sombre - 1,545 2,963 - .. Plain temps (appointC) ........................................1 335 925 - .. Temps partiel (appointB) ......................................2 - 71 - .. BCnevole .......................................................3 1.880 3,959 - .. Total .......................................................4 Moyenne des eraployCs par caisse d'Cpargne at de credit active 8.88 18.07 1.92 5.64 Plein temp. (appointf) ......................................5 Tenps partiel (appoint8) ....................................6 BCnévole ....................................................7 10.80 24.14 Total.....................................................8 - 70 - TABLE 24. Average Deposits and Equity, by Local Credit Union Members, by Province, 1976-1978 - Share capital Deposits Capital social DépBts 1977 1976 1976 1978 S Reserves an undivided su i R8aerves et bénif ices non répartis F1977 1978 1976 1977 1978 dollars 1 Newfoundland ................... 633 759 878 472 716 1,019 17 4 2 Prince Edward Island ........... 333 353 389 366 460 600 11 12 13 3 Nova Scotia .................... 463 494 515 486 560 574 52 25 26 4 New Brunswick .................. 549 650 712 343 493 586 71 80 86 5 Quebec ........................ 170 194 266 1,415 1,614 1,798 50 55 61 6 Ontario ........................ 683 736 758 998 1,303 1.576 36 36 40 7 Manitoba ..........................5 5 5 2,279 2.689 3.040 16 7 11 8 Saskatchewan .................. . 782 811 751 2.251 2,543 2,941 85 98 110 9 Alberta ........................ 383 385 363 1,669 2,208 2,603 48 54 48 10 British Columbia ............... 305 252r 260 2,516 2,811r 88 84r 92 11 Northwest Territories ..........53 38 - 1,301 (an:id............................... 12 3,554 - 837 - - 292 - 21 - 231 17-ir 39 r Lc. cUiL Lnion Nnii, lv Prcvncv, ic7c-i/ cc Reserves and Share capital Deposits undivided surplus Capital social Dép6ts Reserves et b6n8f ices non rlpartis I 1 1978 1976 1977 No . 1976 [ - 1 1977 I1 1978 per cent - Newfoundland ..................... 11.8 19.9 15.7 45.2 51.7 42.3 2 Prince Edward Island ..............s.o 6.0 10.2 10.9 25.7 30.4 3 Nova Scotia .......................3.3 6.7 4.3 23.4 15.2 2.5 4 New Brunswick ................... 12.0 18.4 9.5 30.4 43.7 18.9 5 Quebec .......................... 18.1 14.1 37.1 14.1 14.1 6 Ontario ...........................7.9 7.8 3.0 20.3 7 Manitoba ..........................- - - 8 Saskatchewan ................... - 2.9 3.7 - 9 Alberta ........................ - 4.0 0.5 - British Columbia ...............- 10.0 11 Northwest Territories 12 .......... 24.3 Canada .......................6.7 - 174r - 28.3 66r - 1 1978 1977 pourcentage 1 10 1976 - 5.6 - - 625.0 9.1 8.3 51.9 4.0 31.5 12.7 7.5 11.4 2.0 10.0 10.9 30.6 21.0 - 13.8 18.0 13.1 7.4 12.0 13.0 15.7 5.7 26.1 32.3 3.2 22.7 11•7r 100.0 11.8 - 8.8 17.0 - 35.7 184r - 10.0 76.5 - - 10.3 30.4 - - 11.1 5b.3 57.1 13.3 15.3 12.2 17.9 4.3 12.5 - 11.1 26.4 4.8 100.0 16.0 . . . 4.0j - 45r 20.9 5.8 9. - 100. 9.1 - 71 - T.\1! Wa ir . dpts novena des caisses locales, par sociétaire, par province, 1976-1978 Total assets Thral de I'avoir 1976 Pt des dëoôts Total de l'actif 1978 1976 1978 1977 NO dollars 1,121 1,479 1,876 1,203 1,661 2,195 Terre-Neuve 710 826 1,002 955 1,083 1,268 Ile-du-Prince-douard 1,001 1,079 1,115 1,060 1,125 1,176 Nouve1le-cosse 964 1,223 1,384 986 1,242 1,422 Nouveau-Brunswick 1,635 1,863 2,125 1,679 1,924 2,203 Québec 1,718 2,075 2,374 1,792 2,132 2,463 Ontario 2,300 2,702 3,056 2,463 2,875 3,246 Manitoba 3,118 3,452 3,802 3,383 3,649 4,017 Saskatchewan 2,100 2,647 3,014 2,259 2,862 3,297 Alberta 2,909 3,147r 3,906 3,065 3301r 4,127 Colombie-Britannique 1,062 644 1,203 937 - q1 1 - 97 ................... ........... 2 ................. 3 ............... 4 .......................... S ......................... ........................ .................... 7 8 .......................... 9 . 10 ...... 11 ....................... 1? .......... Territoires du Nord-Ouest Canada 6 a.. Total equity and deposits Total assets Total de l'avoir et des d6p6ts Total de l'actif 1 1 1976 1977 1978 1976 I 1977 1 1978 23.3 31.9 26.8 16.1 38.1 32.1 Terre-Neuve ....................1 8.1 16.3 21.3 6.7 13.4 17.1 Ile-du-Pr1nce-douard 11.2 7.8 3.3 13.6 6.1 4.5 Nouvelle-cosse ................3 19.5 26.9 13.2 18.5 26.0 14.5 Nouveau-Brunswick ..............4 14.1 13.9 14.1 14.6 14.7 14.5 Québec .........................5 14.8 20.8 14.4 14.7 19.0 15.5 Ontario ........................6 13.2 17.5 13.1 14.0 16.7 12.9 Manitoba .......................7 7.9 10.7 10.1 7.5 7.9 10.1 Saskatchewan ...................8 18.7 26.0 13.9 18.1 26.7 15.2 Alberta ........................9 25.0 Colombie-Britannique 7.6 S per cent - pourcentsge 1I 8•2r 24.1 17.5 77r .8.8 -39.4 -100.0 -33.4 -22.1 L4.6 16.0 15.2 14.8 15.7 - 100.0 15.8 2 ........... .......... . Territoires du Nord-Ouest Canada ....................... .0 11 12 - 72 - TABLE 26. Balan:e Sheets - Centrals, Canadian Co-operative Prince Credit Edward lava lee Society Island Scotia Brunswick Qu€bmc I Soctêtë lie-do- Piouveile- ijouvesucoopdrative Prince- cO55e Brunswick canadienne douard de credit thousands of dollars - milliers Ontar:, Assets Cash and demand deposits: Onhand ................................................ Demand deposits: I Local credit unions .................................. ii Chartered banks ...................................... Truat and mortgage companies ......................... iv Other inatitutions in Canada ......................... Other Institutions outside Canada .................... Items in transit ....................................... C 347 6 2,158 506 50 250 100 1,800 58,789 b 2 a 18,344 38 3,111 4,129 61,077 30,554 36,950 Inveutsenta: Term and used deposits: Local credit unions .................................. it Chartered banks ...................................... Trust and mortgage companies ......................... ill Other financial institutions ......................... iv Coiwsercial paper and bankers' acceptances .............. b Sales finance companies' notes ......................... Bonds and debentures: d Canada Treasury bills ................................ it Canadabonds ......................................... iii Provincial bills and notes ........................... Provincial bonds ..................................... lv Municipal ............................................ V vi Corporation .......................................... vii Other institutions ................................... Shares held: i Local credit unions .................................. ii Other: A Preferred shares ................................... Common shares ...................................... B Investment in subsidiaries: f Shares ............................................... it Advances ............................................. S Investments outside Canada ............................. Other investments ...................................... h 82,784 430 8,364 423,280 37,423 7.710 3,000 500 2,491 53.091 13,866 33,543 1,170 14.518 56,337 504 11 535 170 548 220 174 593 649 4,161 750 367 1,223 1,725 30,064 274,197 395,897 557,744 97,649 63,499 3,014 34.000 63,058 40,736 69'? 9. . 2,651 922 89,409 36,525 14,151 5,59; 4,000 23.254 Loans: a Non-nor tgagc: Local credit unions .................................. it Centrals, leagues, federations ....................... Conneercial, induatrial and ce-operative enterprises iii iv 4 5,479 5,606 892 2,540 164,201 138,175 19,978 565 475 54,719 200 4,930 6,984 388 9.751 1.367 21,733 493 27,200 2,804 9.953 741 OCher................................................ Lass: Allowances for doubtful loans ........................ Accounts receivable, accruals and prepaid expenses ....... 741 1,076 20 6,101 19 Inventory of supplies .................................... 6 2,952 Trust companies ...................................... V Other ................................................ Less: vi Allowances for doubtful loans ........................ b Mortgage: Residential: A iiationai Sousing Act ............................... B Conventional ....................................... it Local credit unions .................................. Cercial, industrial and ce-operative enterprises iii iv 38,585 7,406 298 1,087 21 76 287 1,127 123 83 1,003 260 I 42,497 4,593 384 111 Fixed assets: Land ................................................... b Buildings - Net ........................................ Equipment and furniture - Net .......................... C 5 9 10 Other assets ............................................. Total assets ..................................... - 346, 561 2 23 16 1,757 5'] 11,747 3,301 70 77 34 15,641 12,914 21,390 10,247 2,572,941 TABLEAU 26 Bilans - Centroles, 1978 British Northweat Columbia Territories - Sasicat- Alberta - Canada chewan Coloabie- Territoires Britannique du Nord-Ouest 90 thousands of dollars - nililers do dollars Actif Encaissa at d1p8t 8 vue: 1 787 15,012 220 - - 71,319 En caisse .................. ......................... ...a DepOts a vue: 6 - - - - - 4.217 Caiases locales ................................... 8.032 - 10.505 39.341 - 171.214 Bsnquea 8 charte ................ ..... ............. ...ii - - - 15,000 - 15,100 SociBtCs de fiducie St de pr8ts hypothCcairem lii - - - 6,903 - 44.159 Autres depOts A vue ao Canada ..................... ...iv - - - - - - Autres depOts B you 8 létrangec .....................V 23 - 1,366 - - 1.389 Postes an transit ................................... Placenta; 2 a DepOts stables et A terme: - 1,997 - - - 10,361 Caisses locales ................................... 3,099 15,000 - - - 530,177 Banques B charte .....................................ii - 5.000 - - - 43.353 SociltOs do fidocie at de prOta hypothkalrea iii 9,000 34,340 6.000 - - 93.541 Autres institutions fisanclAres ......................iv - 47,717 11,000 174,035 - 348.901 Pupiers d'atfuires .................................. - - - - - - If lets des sociétéo de financement des ventes ....... Obligations garanties ou non: d - - - - - 43,933 Boos do Tr6sor do Canada .......................... 5,171 27,520 8,820 42,378 - 433,709 Obligations gsranties du gouvernement du Canada .., if - - — - 593 Boss cC effets den administrations provinciales .. lii 9,835 34,518 4,862 67,825 - 598.249 Obligat1on garantlea des prosiness ..................iv 282 - - - 588,968 Des municipalitCs et oomnissions ecolalres V - 7,636 14.213 - 193,423 SociCids .............................................vi - 2,989 - - 66,946 Autres institutions .................................. vii Actions dCtenues: - 1 Calsses locales ................................... If Autres institutions: - 2,555 Actions privilfgiCev ................................. A 311 100 523 . - 32,964 11,891 36.265 - 127,845 Actions ordinaires ...................................B Placement dana lea filiales at sooidtés aUiliéou: I - - 250 - 96.467 Actions ........................................... 1,944 - 1 1 199 25,444 - 85,112 AvanueS ...............................................it - - - - - - Placements hors du Canada ..............................$ 1 8.540 2.710 50,935 - 99.591 Autres placements ......................................6 PrBta: 3 a /_ Non-hypothCcalres: 63.555 71,449 89,537 135,523 - ( 676,477 Cuisnro lc;-ales ................................... - - - - - \ 38,585 Cntru1eu, ligucs, fid8rations ........................ii 13.346 27.024 8.377 16,398 - ) 96,526 Eotcepcisea eo,eserciales, indostcieilss at coopA- iii tives. - - - - - - Sociét8s do uidocle ....................................is 155 - 3,331 - - / 58,680 Autcas ................................................. V Moms: - - 50 - - 638 Provisions pour prOts douteux ......................... Vi ItypothCcaires: b Constructions résidentielles: I 13.490 - - - - 13,490 1.01 nationals mar l'habit.tion ........................A Convontlonnels ........................................ B 608 - 963 - - ) 47.938 - - - - - .e( 1,234 Caisses locales ....................................... ii 10,227 90,527 - 15,717 - 1154.826 Entreprises co,mneccialen, indsntricll;o et coop8- iii / cativea. 1.817 Autres ...............................................iv loins; - . - - - - 20 Provisions pour peSts douteux .. ................... ... V - - - — - L 2,273 5.121 972 14.632 - 77,593 Effets 8 recevoir, intAr6tm courus ci frais payéa 4 — 193 177 - - 962 Stock - Fourniture ...................................... 5 Isnoobiliastions: 6 - - 1.195 11,891 - 15.786 TerraIns ........................... . ................ ... a - - 923 680 - 26,107 Bitiments - Net ........................................b 538 572 1,086 - 7,142 Matdriel at mobilier - Net .......................... • 30 201 - - 16,988 Autrea iléments d'actif ................................. 9 418,083 175.496 667.039 - 4,910,616 Total do l'actif ............................... 10 - 74 - TABLE 26. Balance Sheets - Centrals, 1978 - Concluth S Canadian Co-operative Prince Credit Ed,ard Nv Society Island Scotia Srmsaick - - - - QaSbec Ontario Sociêti lie-do- Noavelle- Nouveaucoopirative P,rince- Ecosse Brunsuick caaadienne Edouard de cridit thoasands of dollars - silliern de dollars Liabilities 11 Deposits: a Demand deposits: i ii iii. 6 ii 12 .............................. Government accounts ................................ ......- 3,002 1,649 7,073 1,626,538 61,108 - ...... Other ................................................ 44,758 - - - 19,766 Term depoatta: i c Local credit unions .. Local credit onions: ALess than one year ............................... ...... BOne year or more ................................. ...... Other - ............................................... Mortgage certificates ................................. . - 60.640 - 9,928 2,577 221,863 1,897 3.119 18,568 566,475 210,687 108,015 - - 762 5,002 131.195 Accounts payable: a Accrued interest ...................................... bOutstanding cheques . ................................. Dividends ............................................. dincome taxes ......................................... a 13 ...388 19 174 64 ...... 453 - - 328 - ....- Other ................................................. .. 264 16 162 7.009 1,496 Notes and loans payable: a Local credit anions .................................. b Chartered banks ... ............................. - - 91 - 3,620 14,129 .... ....... Other ................................................. ... 6,584 14 Long-term bonds and debentures .......................... - 17 Other liabilities ....................................... 163 7,235 3.578 - 9 - 28,642 24 991 1,117 35,000 39 Equity 20 Share capital: a Local credit unions ........................................bOther mrmbers ........................................ . 120.9 70 576 2,411 649 27,886 51,334 - 130 - 21 Reaerves ..................................................1 : 146 100 357 478 30,1 22 Usdivided earnings ..................................... ....- 84 19 940 13,6 12,914 21,390 35,247 11 - WA 23 Total liabilities and equity .................... 346. 561 2,572,9411 476,21 Ll - 75 - TA8LEAU 26. Blians - Centrales, 1978 - fin British Northwest Columbia Territories Sas t Alberta - - Canada chewan Colonbie- Territoires Britonnique do Nrrd-Ouest thousands of dollaro - silliern de dollars Passif 11 D8pBts: a DépBts 8 vue: 43,089 24,785 46 14,325 - 16,392 - 1.552 28.639 - 6.207 - - - 1.812,475 - 86,654 Caissea locales .................................... Comptes des gouvernementa .......................... it Autrss . ............................................ ... iii O8p5ta 8 terse: b Caiaaea locales: Tame initial de moms d'un an ........................ A 10,053 153,609 7,151 221.229 - 837,097 19,500 135,114 123,810 126,631 - 1,105,129 108,057 - 156,894 Autrea ddplte 8 terme .............................. - 170.129 Cartificata hypothicairea ............................ 2.433 - - 38,934 - - - Terse initial de plus don an ....... . .... . ....... ..... B fffets 10.745 - 52 481 1,534 4.723 7,011 12 - 38,528 1nt4rt ................................................. a - 587 Ch8ques en circulation .................................. b - - 781 Provisions pour dividendes .......................... - - 56 lapat our le revenu ..................................... a - 13,362 Autmes effeta I payer .... ............................ ... I - - - - 703 8 payer: 1.696 Billets ci prunts ea i payer: j3 1.997 - - 3,205 Caisnon locales ......................................... a 2,075 19,270 - 12,722 - 51,816 Banquen I charte ........................................ b 29,434 7,885 - 24,406 - 142,764 - - 54,400 - 54.400 Obligations I long terse ................................14 321 - - 1.611 Autres 616ments de paaaif ............................... 17 64 - - Autres empruntu ...................................... Avoir propr. Capital-actions: 33,206 1,790 36,942 - 18.319 - 20 62,078 - 233.401 Caiaaes locales ......................................... a 3,110 - 126,011 Autren actionnaireu ..................................... b 9,942 1,703 - - 49.472 Reserves ............................................... 1,562 1.143 8.653 - 26.246 Bdnlficea non rdjartis .................................. 22 418,083 175,496 667,039 - 4.913.616 Total do passif et de l'avoir propre ............ 23 . 2! - 76 - TABLE 27, Common-size Balance Sheets - Centrals, 1978 Canadian Co-operative Credit Society Prince Edward island Nova Scotia New Brunswick NouvelleEcosse NouveauBrunswick Ontario i . .... Société Co-operative canadienne de credit lie-doPrinceIdouard per cent - pourcentage Asset, b d Cash and demand deposits: Onhand ....................................... Demand deposits: Local credit unions .......................... ii Chartered banks .............................. Trust and mortgage companies ................. iv Other iontitutionn in Canada ................. Other institutions ::uteide Canada ............ items in transit ............................... Total ...................................... Investments: Term and fined deposits: I Local credit unions .......................... ii Chartered banks ............................... Trust and mortgage companies .................. iv Other financial institutions ................. b Commercial paper and bankers' acceptances ....... C Sales finance companies' notes ................. d Bonds and debentures: Canada Treasury bills ........................ it Canada bonds ................................. iii Provincial bills and notes .................... iv Provincial bonds ............................. 1'unicipal .................................... vi Corporation ................................... vii Other imntitutions ........................... Shares held: Local credit unions .......................... ii Other: A Preferred shares ........................... B Common shares ............................... Investment in subsidiaries: Shares ........................................ Advsnces ...................................... ii Investments outside Canada ...................... B h Oiher investments ............................... I Total ..................................... bonn; Non-mortgage: i.ocal credit anions ........................... ii Centrals,leagues, federations ................ iii Con,n,ereial, industrial and eo-::perative enierprises. iv Trust companies ............................... V Other ......................................... b Total ....................................... Mortgage: I Residential: A National Mouaing Act ........................ B Conventional ................................ ii Local credit unions ........................... Commercial, industrial and co-operatis. enterprises. Iv OCher ......................................... a Total ..................................... Total loans ............................. Less: f Allowances for douhtfal loans 4 0.10 0.11 8.83 3.92 0.23 1.17 0.47 8.42 3.97 20.38 8.94 6.25 2.01 8.51 1.42 7.07 0.33 16.45 1.45 0.30 5.29 2.28 0.16 2.37 0.43 6.41 4.35 1.44 0.01 5.39 23.89 15.32 4.00 9.68 16.26 0.15 0.79 2.56 1.03 0.01 0.49 1.68 1.84 11.80 2.13 1.12 5.72 4.89 5.47 4.19 0.08 4.14 4.31 4.08 77.57 1.17 10.66 15.39 21.68 3.80 2.47 6.41 4.79 0.1 1.68 7.' 13.1 4.87 8.1 2.80 14.1 5.33 1. 0. 0.10 0. 5.-. 3.47 1.42 1.1 0.1 [IJ 0.90 4.22 23.61 39.84 79.59 58. 1 38.32 8.38 6.38 29.1 34.41 0.78 0.3 7.23 42.43 26.21 11.13 2.14 6.91 11.87 13.27 53.02 3.68 38.08 38.18 2.01 6.59 2.13 0.08 8.38 9.29 61.72 27.66 0.84 0.02 1.06 7.96 3.46 2.09 0.15 7.30 0.33 5.54 0.04 2.01 38.18 9.85 35.62 1.96 2.26 13.17 15.28 91.20 47.93 44.00 11.25 31.37 54.89 1.76 0.15 1.23 0.93 ................. 0.02 1.39 3.08 1.65 0.97 0.10 0.22 0.01 0.02 1.34 5.27 0.57 0.23 2.85 0.74 0.07 0.46 0.13 0.12 2.23 0.17 2.52 Fixed assets: Land ............................................ b Buildings - Net ............................... C Equipment and furniture - Net ................... d Total ......................................... 9 Other assets ...................................... 10 10.09 Accounts receivalable, accruals and prepald ex penses. Inventory of sapplios ............................. S 6 0.05 0.01 0.18 0,12 0.31 7.18 3.82 0.66 0.15 0.34 0.10 0.61 100.00 100.00 100.00 100.00 . Total sonets ......................... 100.00 100.00 \OLEAU 27. Shuns soon formr do povrcemtages - Centrales, 1978 Canada British Northuest Average of Columbia Territories Saskat- Alberta - - Dollar provincial chewan Colombie- Territoires average ratios irltanoiqae do -. Plord-Ouest ttoyenne du Noyesne dollar provinciole per rent - pourcentage Act If 1.67 0.12 3.59 5.90 2.25 0.74 5.99 0.78 8.89 6.99 3.59 0.09 3.49 0.31 0.90 0.03 4.03 0.27 1.45 0.03 0.08 6.39 7.55 Encaisse et depOts N vue: Incaisse ..................................................... b DepOts o one: Caisses locales ............................................ ii Banques B charte ........................................... SociBt0s do fiducie et de prOts hypothdcaircs .............. iv A utres depOts I oue as Canada .............................. V A utres depOts 0 vue I POtranger ........................... Postes en transit ............................................ Total .................................................... d Placements: 0.21 0.08 0.48 10.80 5.47 3.59 0.08 0.61 1.20 8.21 3.42 1.90 3.10 7.11 7.23 11.41 6.27 26.09 0.89 0.52 8.83 5.56 0.01 0.17 12.18 6.34 10.17 8.26 2.77 11.99 3.07 4.26 3.94 3.57 2.13 4.35 0.43 1.36 1.70 6.58 5.03 6.35 0.26 0.06 0.05 0.06 5.44 2.60 4.82 6.78 0.04 1.96 0.91 1.65 1.73 3.81 0.68 1.62 2.03 7.64 2.04 1.54 • -0 49.79 32.60 61.75 68.47 a DipOtu stables et I terme: Caisses Locales ............................................ Ii Eanques N charte ........................................... SociBtds de fiducie et de pr0tn hypothhcairen .............. Iv Autren institutions financllrcs ............................ Popiers d'affaires ........................................... ................ Effets des soclBtBs do financement des venten d Obligations garanties ou non: B oos du Trésor du Canada ................................... Obligations garanties Cu icuvernement du Canada Bonn eC nO lets des administrations provincial.es Obligations garanties des provinces Den muniripalitis en commissions scolaires ii ............ ............ ........................ iv ................. Sociitis ................................................... vi Autres institutions ........................................ vii Actions dCtenses: Caisses locales ............................................ ii Metres institutions: A Actions priviligiBes ..................................... Actions ordlnaires ....................................... Placement dunn los filiales et sociCtén affilides: Actions .................................................... ii Placements hors da Canada .................................... 6 Autres placements ............................................ Total 46.60 .................................................. PrOts: 23.53 13.78 20.32 51.02 0.79 1.11 4.27 1.97 2.46 4.77 6.46 17.09 Non-hypothCcaires: Caisses locales ............................................ ii Centrales, higues, fOdBrstions ............................. Entreprises commerolales, industrielles et cooperatives 0.78 1.19 1.90 17.73 29.69 22.78 57.69 23,55 0.55 2.36 21.65 21.65 45.20 0.55 58.24 2.36 25.14 0.55 0.03 0.10 0.73 6.96 0.02 4.70 0.04 0.35 4.47 12.76 22.20 0.01 0.03 1.23 0.27 0.98 0.03 3.15 2.18 iv SoCiCCBs de fiducie ........................................ V Autres ..................................................... Total .................................................... Hypoth8caires: Constructions résidemtielles: A Loi natlonale nor l'hubitstfnn ........................... C onventionnels ........................................... ii Caisses locales ............................................ ill Entreprises coomnerriales, indsstrielles et cooperatives Metres iv ..................................................... Total .................................................. 42.45 Total dea prOts 0.10 MoOns: Provisions pour prOts douteux ............................. 4 1.58 1.42 Effets B recevoir, intBr9ts courus et frsis payee d'avance 0.02 0.05 Stock - Fosrnituro Duseobilisat ions: Terrains ..................................................... 6 Bltiments - Net .............................................. Ilatériel et mobOlier - Net ................................... • 3 0.68 0.53 0.33 1.78 0.10 0.16 0.32 0.53 0.15 0.42 1.16 0.26 • 3 1.54 2.04 1.00 1.84 .:1l 0.11 0.33 0.19 Co 100.00 100.00 100.00 Total ..... ............................................. ...................................................... Autres BlCments d'actif ........................................ d 9 . 100.00 d e ...................................... Actif total ........................................ 10 - 78 - TA8LF 27. Comon-air.e Balance Canadian Co-operative Credit Society SociNté coop8 rat lye canad lenne de credit beets - Centrals, 1978 - Concluded Prince idward Nova New laland Scotia Brunswick - - - Québec Ontario Ile-du- Nouvelle- NouveauPrince- Ecosse Brunswick 6douard per cent - pourcentage Liabiiitiea 11 Deposita: a Demand depoatta: 1 Local credit unions .......................... ii Government accounts .......................... iii Other ......................................... b . 12.91 23.25 7.71 20.07 63.22 12.83 - - - - - - - - 0.77 - 23.33 0.02 Te deposits: rm Local credit unions: i ii 12 - ... A Less than one year ......................... ... B One year or more ........................... ... - - 14.69 46.41 7.31 8.62 44.24 5.44 14.58 52.68 22.02 22.68 10.56 Other ......................................... 11..73 - - 2.16 0.20 - 1.32 Mortgage certificates ........................... 37.86 - - - - - 21.08 Total ..................................... h2.50 37.94 68.70 82.22 94.83 79.75 0.11 0.15 0.42 0.98 61.75 Accounts payable: a Accrued interest ................................ .. b Outstanding cheques ............................. .... c Dividends ....................................... .. dIncome taxes .................................... 13 0.81 0.18 - - - 0.13 - - - - - - .... 0.93 - - - - - - Other ........................................... 0.08 0.01 0.08 0.46 0.27 0.31 0.26 Total .........................................0.32 0.16 0.89 1.57 0.69 1.29 0.61 0.23 - Notes and loans payable: a Local credit unions - - - - -- Chartered banks .................................- - - 10.27 0.55 ............................. c Other ...........................................1.90 56.02 16.73 d Total .........................................1.90 56.02 16.73 14 Long-term bonds and debentures 17 Other liabilities .................................0.05 - .................... - - 10.27 - 1.12 - 1.11 735 15.94 1.66 7.58 17.06 - - - 0.04 0.07 0.04 0.01 0.04 94.12 86.36 94.13 97.22 88.63 79.46 4.46 11.27 1.84 1.08 10.78 17.98 - 0.61 - Total .........................................34.90 4.46 11.88 1.84 1.08 10.78 21 Reserves ..........................................0.33 0.77 1.67 1.36 1.17 0.57 22 Undivided earnings 0.65 0.09 2.67 0.53 0.02 loo.Oo 100.150 100.00 100.00 100.00 Total liabilities 19 ....................... 64.77 - ax 20 23 Share capital: a Local credit unions b Other members ................................... 34.90 - ............................. ................................ Total liabilities and equity - 100.00 - 0.97 - 18.95 10 - 79 - \BLEAU 27. Bilans sous forme de pourcentagea - Centrales. 1978 - fin Canada British horthwest Average of Columbia Territories as 6 Alberta - - Dollar provincial chevan Colombie- Territoires average ration Britart- do - nique Nord-Ouest iloyeime du Moyenno dollar prooinciale No per cent - pourcsntage Pansif 11 DepOts: a D€p8tn 8 vue: 5.93 9.34 4.32 36.91 3.43 0.88 0.93 1.77 17.00 Caisses loralen ............................................ - Coaptes des goovornenenCs .................................. It 1.89 /tvtrou ......................................................iii DepOts B terse: . b Caisses locales: 36.74 4.07 33.17 17.05 18.60 tense initial de noise dun an ........................... .... A 32.32 70.55 19.28 22.50 25.94 tense initial de plus dnn an ............................ ....B 16.20 3.19 .. 3.16 Autres depOtsrs8 tee ...................................... ii 3.46 5.89 Certificats hypothécaires .................................... 78.42 84.84 73.90 84.88 . 72.48 Total ...................................................d 12 Effete 8 payer: 2.69 r 1.05 0.38 0.90 Intent ...................................................... ..a 0.01 0.03 Chlques en circulation ....................................... ..b 0.02 0.11 Provisions pour dividendea ................................... -- ImpOt ma Ia revenu ... ............................... .... .... ..d 0,37 0.41 0.25 0.27 0.25 Autres effete I payer ........................................ ..e 2.95 3.10 1.30 1.08 1.29 Total ...................................................... Billets et emprunts I payer: 0.07 0.48 13 0.07 Cainams locales ...............................................a 1 .85 Banques I charte ..............................................b 4.61 1.91 1.06 1.86 3.66 2.91 10.46 Autres emprunts .............................................. 6.97 5.57 4.04 12.38 Total .. .................................................... .d rs ....................................... 8.16 Obligations I long-tee ..14. 8.16 0.0.4 Autres BlBments de psasif .......................................17 0.07 88.41 87.94 88.92 91.14 87.00 Total : passif .........................................19 Avoir propre Capital-actions: 8.84 8.84 10.44 10.44 9.31 4.75 0.47 2.57 9.78 7.12 0.97 20 7.60 Caisses locales .................................................a 3.69 Autrea actionnairea ............ .................................b 11.29 Total ...................................................... 1.01 1.08 R8serves ........................................................21 0.63 B8sBfices son rBpartis ..........................................22 0.65 1.30 0.53 100.00 100.00 100.00 100.00 Total du passif et de l'avoic propre ................23 - 80 - TAILE 28. Revenue and Expense Statement - Centrals, Canadian Co-operative Prince Credit Edward Nov., Society Island Scotia Brunswick - - - Quebec Ontario Sucifti 4 le-du- Nouvelle- iouveauco-operative Prince- Ecosse Brunswick canad i onno 9douard do_credit thouaands of doliars - nilliers do dollars Revenues 31 Dues and fees ................................................... 759 32 Interest earned: Demand deposits ............................................... 700 Term deposits ...............................................4,250 Non-mortgage loans ....................................... ...2,461 Mortgage loans .............................................. 1,193 Other investments .... .................................... ..12,944 Other interest earned . ................................... ..... - a 6 c d a - 272 408 11.832 2,193 118 1,236 193 3,175 391 4.121 1.557 34,813 6,599 22,384 11,379 4,175 592 140,845 20,009 1,605 35 112 2,926 51 1 1 015 4,493 - 35 263 486 500 329 119 33 Dividends received ...............................................22 - 63 34 Computer charges, data proensing and management fees - 191 - 35 Rents ........................................................... - - 305 75 208 - 36 Consnisnioos and discounta .. ................................ ..... - - - 8 2,650 - 37 Other revenue ................................................... 428 40 40 Total revenue ........................................... - 674 249 42 - 1 228 59 5,593 1.438 23,401 966 2,797 3,775 232,172 48,846 4,039 4,185 .. .- 257 42 1,007 404 1,047 756 Expenses 41 C Interest on deposits: Demand deposits ........................................... Term deposits ............................................. Robate of isterest ........................................ a b c Intereat on loans: Local credit unions ....................................... .Chartered banks ........................................... .774 Other .................................................... .963 a b 42 - - - - - - 523 39 228 116 2 - - - - 43 Interest on debentures ...................................... .- 44 Insurance ................................................... .6 - 5 45 Dues ....................................................... . .14 1 - 24 46 Personnel expenaes: Salaries, honoraria, etc .................................. Staff benefits ............................................ Directors' and other official remuneration and expenses Travel .................................................... 698 .60 122 .164 47 Legal and other professional service ........................ 428 48 Occupancy: Rent: Building rental ......................................... .20 Equipment rental ........................................ 73 DepreciatIon: Buildings ............................................... Equipnent ............................................... Repairs and maintenance ................................... 11 Property and busineas tames ............................... 18 Heat, power and water ......................................... 6 a b d a I ii 6 I ii c d e 49 a b d General expenses: Stationery and supplies ....................................... 42 Telephone and telegraph ....................................... 53 Computer expenses ............................................. 52 Promotional expenses ......................................... 255 50 Proviaion for doubtful loans .................................... - 51 Other expenses .................................................. - 52 Total expenses . ...................................... 53 Net income before income taxes .............................. 54 Prnviaion for income tax ..................... 60 . ............. . - 76 - - 318 62 26 205 - 378 58 11 28 304 36 20 51 25,618 5.403 3,495 222 359 147 2,796 615 - 17 64 440 222 60 3 5 13 1.343 381 469 694 26 17 23 107 57 32 37 30 3 8 337 24 622 318 825 103 360 44 283 60 37 15 4 63 52 13 5 121 2,047 943 808 224 881 719 3,337 245 75 - - - 3 4 4 1 - - - 232 426 13,110 849 2,556 3.621 10,291 117 241 154 10. 291 - . 1,642 47 281 1.765 - 5 ...- Net income ............................................... . 48 4 99,649 62.100 6.759 - 117 - 241 27 127 500 10.182 4, -, 225.477 6,695 - 128 6,823 - 81 - TABLEAU 28. Etats des revenus et deo dépenses - Centrales. 1978 a British North,.,est Colombia Territories Alberta - - Canada CoIo,sbie- Tarrltoires Brltaanique do Nord-Ouest thousands of dollars - nilliers de dollars Rnonus 842 362 915 309 10,224 8,909 13,942 1,244 1.931 9.694 88 468 8,441 65 5,122 250 - - - 1.069 2.728 3,100 - 49 3,875 312 1.798 55,482 - - - - - - 2 3 1 11,230 Cotlsations do me,sbre, d'affiliation, d'entr6a .................... 31 1.536 58,110 69,379 11. 591 246790 1,759 32 IntérOt gagn6 son: 089818 vue ................................................... DUpOta 8 terne ................................................. / frOts non_hypothUcalres ........................................ ........ ..d Pr6ts hypothécaires .................................... ( Autres ... ... .................................... a placements ...... Autres intérita gs8néS ......................................... 4,292 3 2,523 / 17,974 Dividendes recus .................................................. 33 Frais imputes B l'ordinateor et l'lnforwatique et frais do gestlon 34 35 - - 147 662 17 - - 3,484 Cossnissions et enconptes gagnes ................................... 36 173 490 1.084 - 20 9,514 Astrea ............................................................ 3 7 17,687 38,954 19.612 29 448,354 Total des revenus ............................................. 4 0 - 12 60,115 1 635 Loyers ............................................................ 35 Dêponses 26,491 - - 40 24 259 1,540 160 - - 1,266 9,477 - 1.623 43,355 - 4 3 ( 63 42 Intir8t sur emprunts: Calssea locales .................................................. I Banqaeo B charte ............................................... Autres ........................................................ (_ - 1ntCrto our obligations ...........................................43 - - - 139 61 782 - - - - - 25 - 9 43 94 - 68 300 1,840 2.610 169 261 46 180 177 - 2.191 166 62 147 1,409 160 98 14 53 664 46 250 ii IntCr8tson d9p8ts, Ddpita 8 vue ................................................... ..a D6p8ts B terme ................................................. ..b Itlatourues ....................................................... c çl10,986 79,235 7,731 3.822 )6.523 1 545 858 - 40,499 0.631 1.045 4,052 7 362 562 436 - 42 9 113 128 - 2 56 165 26 45 2 - 9 73 38 SO 32 - - 204 810 42 120 192 190 405 101 93 916 213 240 181 48 - - - - - Cotisations B ANCEC et autres affiliations .........................45 46 D8penses do personnel: Appointoramnts, honorairea, etc ................................. Avantagas sociaoa .............................................. RCmunCrations et ddpenses des cadres ........................... Déplscements ......................................................d 2,191 tervice Juridique et autrea services profeasionnels ................47 2,888 1.825 433 . 1,292 1,060 - 628 448 1 .sssrmece .......................................................... 44 4.476 1,430 2.937 4,829 Habitation: 48 Layer, Loyer des b8timents .......................................... Loyer do astCriel ................................................ ii Amortissement: b B8tiemnts .................................................... Materiel ......................................................... ii Reparations et entretien ....................................... Taxes fonciAren et d'affaires, permin ... . ...................... ... d Chooffage, nergir électrique et ess .............................. a DCpesses gCnOrales: 49 Fapeterie at foornitures .......................................... a Téléphone et té1égra,es .......................................... b Dépenses d'ordinateor .......................................... Dépensea de promotion ............................................. d - 575 Provision pour prOts dooteoo ....................................... 50 1 1 108 1,648 5.852 3 . 26,508 Astres dApensea .................................................... 51 33.907 16,856 54.656 19 411.490 / Total dos dCpenses .......................................... 52 5,047 2,756 5.459 10 36,864 B8nCfice avant inpUts our Is roves,, ............................... 53 484 70 456 Provision pour inpUts our le revenu ............................... 54 4,563 2,686 36,408 BCnCf ice net .................................................... 60 - - - . 5,459 10 - 82 - TABLE 29. Cosmon-uize Revenue and Expense Statement - Centrals, Canadian Co-operative Credit Society - Société cooperative canadienne de credit Prince Edward Island - lie-doPrinceEdouard Nova Scotia New Brunswick Nouveilecnsse NouveauBrunswick - - Québec Ontario I MasI1ob per cent - pourcentage Revenues 31 IDues and fees 3.24 9.73 10.81 5.10 4.49 1.41 1.25 9.40 17.38 17.88 11.76 4.25 3.13 32.74 5.11 31.12 10.36 1.77 15.00 9.64 1.80 60.66 0.69 3.19 13.51 24.32 1.21 40.96 0.07 5.17 1.75 30.37 7.03 10.92 0.09 2.25 2.97 1.26 0.11 6.04 0.17 7.04 0.44 9.20 13.42 32 Interest earned: a Demand deposits .................................. bTerm deposits .................................... cNon-mortgage loans ............................... dMortgage loans ................................... e Other Investments ................................ fOther Interest earned ............................ 3.00 18.16 10.13 7.66 55.31 33 Dividends received ................................. 34 Computer charges, data processing and management fees 69.77 25.78 4.35 35 Rents .............................................. 10.91 36 Coomissions and discounts 37 Other revenue ........... 40 Total revenue ........ 1.99 0.09 0.21 1.14 0.07 0.83 1.84 0.10 8.15 1.56 2.41 2.94 0.99 100.00 100,00 100.00 100.00 100.00 100.00 100.00 Expenses 41 Interest on deposits; a Demand deposits .................................. 17.26 1.50 10.70 42.92 bTerm deposits .................................... 17.88 26.60 36.00 27.75 26.75 Rebate of interest ............................... 20.03 2.91 42 interest on loans; a Local credit unions .............................. b Chartered banks .................................. 3.31 1.39 3.07 0.71 0.14 Other............................................ 8.39 54.14 8.15 0.05 0.12 8.71 43 interest on debentures ............................. 44 Insurance .......................................... 0.03 43 Does ............................................... 0.60 2.01 0.14 0.14 0.86 0.01 0.53 0.18 46 Personnel expenses; a Salaries, honoraria, etc ......................... 2.98 4.97 13.32 8.05 11.03 10.40 bitaff benefits ................................... 0.41 2.07 0.95 1.11 0.96 0.26 0.52 c Directors' and other official remuneration and 0.39 0.53 0.15 0.26 dTravel ........................................... 0.70 1.00 1.35 1.20 1.00 47 Legal and other professional services .............. 1.83 0.61 1.70 0.19 0.30 48 Occupancy; a Rent: i Building rental ................................ 0.09 2.15 0.13 0.58 0.78 2.05 itEquipoent rental ............................... 0.30 0.11 0.34 0.20 1.42 2.46 b SeprecistiOn: Building ....................................... 0.31 i 0.93 0.85 0.15 0.05 0.01 ifEquipment ...................................... 0.42 0.61 0.98 0.27 0.65 0.32 Repairs and maintenance .......................... 0.05 0.42 0.82 0.79 0.36 0.21 0.15 d Property and business tanes ...................... 0.08 0.10 3.83 0.08 0.16 0.09 0.25 e Meat, power and water ............................ 0.02 2.04 0.21 0.12 0.13 0.01 49 General expenses: a Stationery and supplies .......................... 0.18 1.32 1.38 0.88 1.93 1.13 b Telephone and telegraph .......................... 0.23 0.14 0.34 0.31 0.46 0.24 c Computer expenses ................................ 0.22 0.14 0.13 0.38 1.47 0.68 4 Promotional expenses ............................. 1.09 2.25 3.21 1.44 0.50 1.07 50 Provinion for doubtful icons ....................... 2.68 0.21 51 Other expenses ..................................... 0.52 8.29 11.29 4.38 13.30 52 Total expanses ............................... 56.02 87.89 91.38 95.92 97.12 93.75 53 Net income before income taxes ..................... 43.98 12.11 8.62 4.08 2.88 6.23 54 Proviaion for income taxes ......................... 0.72 - 0.06 U. 50 Net incose ....................................... 43.98 12.11 8.62 3.36 6.25 2.94 17.11 (i) Does not include Northwest Territoriee. - 83 - • TASLEALI 29. tacs des revenue et ddpenses sous (anne de pourcentages - Centrales, 1978 Canada Based on British Northeest Based on average of - Columbia Territories dollar provincial Alberta - - values ratiosU) IC Colombit- Territoires - Britannlque du Fonjés sur Fondia our Nord-Ouest là vaicur len moyannes en dollar provincialee per cent - pourcentage Revenue 2.16 1.84 0.45 26.25 2.39 35.79 43.07 - 0.33 24.88 26.12 - - - - 0.25 7.96 19.76 0.52 3.93 1.80 11.92 26.60 9.58 33.76 0.50 52 Intdrét gagn9 nor: Dip8t 8 vue ............................................... a DdpOta N terse ............................................. 6 rrlts non-hypothdraires .................................. PrOm hypothécuires ........................................ d Autres placements .......................................... e Autree intents iugnds ................................... - - - - 0.96 1.30 Dividendes reçun ............................................. 33 4.01 6.42 Feels imputCe N l'ordinatror em 1'ioEormatlqo cm frais de gest ion. - 0.14 1,32 Layers .......................................................35 - - 2.99 92.29 4.20 - 1.70 0.09 - 1.26 5.52 - 100.00 100.00 6.90 10.34 Coilsat lone de me,nbre, d'a(fiiiatlon, dentrëe ............... 31 3.84 1.68 12.97 15.48 2.59 55.04 0.39 - 0.18 - - 100.00 - 3.45 10.34 34 0.78 0.40 Coiseiona or rsrpmeu gagods .............................. 36 68.97 2.12 2.47 Autres .......................................................37 100.00 100.00 100.00 Total den revenue ....................................... 40 Mpens.. 6.46 48.32 - 0.10 0.66 0.71 0.41 0.31 - - 2.70 72.12 - - 1.30 0.35 0.50 6.70 11.17 0.67 0.85 0.46 0.32 2.34 0.27 0.16 0.75 0.12 1.71 0.23 0.42 1.44 0.21 - 0.05 0.19 0.21 - - 9.71 41.08 2.38 41 IntCrOte sue dipOts: DepOts N vue ............................................... a DepOts N terse ............................................. b listournee ............................................... 0.01 0.85 1.45 0.01 1.14 8.39 42 IntCrOts nor emprunts: Caissen locales ............................................ a Banqoee N charte ......................................... Autreu ................................................... - - Intérlte eur obligations .................................... 43 0.12 0.28 Assurance ................................................... 44 0.19 0.33 Cotlsations ................................................. 45 - 9,03 1.03 0.23 8.22 0.84 0.31 46 DCpenses du personnel: Appointements, hunoraires. etc . ..................... .......a Avantages soctam, . ....................................... ..b RCnrnnérationu or dbpeneos des cadres ..................... - 0.90 0.74 0.49 0.74 0.66 0.41 0.76 0.51 0.10 0.29 0.24 0.14 0.10 0.24 0.40 0.30 0.46 0.27 48 Habitation: a Loper: b8timents .................................... Layer den Layer du materiel ...................................... b Amortlesement: ENtinmenta .............................................. Matérial ............................................... .. Li Rpparations et entcetleo .. ............................... ..C lanes foncibres et d'affaires, permis ...................... d Chauffage. inergie Clectrique Ct eaa ..................... 0.98 0.29 0.83 1.17 49 Ddpensee gCndralee: Papeterie cc fouroitures ................. . ............... ..a Thléphone ec téiegraee ................................. ..b Dépensee d'ordioateur .................................... Ddpenses de promotion ................................. ... ..d 3.45 - - 24.14 - - - - - - - - - - - 0.40 0.30 0.08 24.75 39.98 1.72 Déplacementa ............................................... d Service Juridique cc satres services profeselonnele ......... 47 - - 1.00 0.32 0.66 1.08 - - 0.13 0.29 ProvisIon pour prOtu douteux ................................ 50 Autrex dOpenseu ............................................. 51 - 3.45 - 8.41 9.74 10.34 5.92 6.19 85.95 90.92 65.52 91.78 86.88 Total des dCpcoees .................................... 52 14.05 9.08 34.48 8.22 13.12 Bénéfice avant impOts sun 10 reveou ......................... 53 0.10 0.23 ProvIsion par impOts nor le revrnu .......................... 54 8.12 12.89 BCnCfice net .............................................. 60 0.36 - - - - 2.08 0.51 - 0.47 0,49 4,67 1.04 1.09 10.34 - 0.07 0.05 0.42 0.37 - 0.19 - 0.25 - 0.16 - - 0.05 - 13.80 - - - - 13.69 - 9.08 (i) Territoires de Nord-,eut ne soot pan loclue. - 34.48 - 84 - TABLE 30. Estimated Statements of Undivided Earnings - Centrals, 1978 Canadian :o-operative Prince Credit Edward Nova New Society Island Scotia Brunswick - - - - Québec Ontario Société Ile-du- ouvelle- Nouveauoopêrative Prince- fcosse Brunswick canadienne douard de credit thousands of dollars - milliers de dollars No 1 S Balance at beginning of the year ...................270 61 9 908 12,122 63 Add: 2 Net income from Operations .....................10,291 117 241 127 6,823 3.052 3 Profit on sale or maturity of investments 1 343 - - - - 951 Deduct: 4 Transfers to reserves ......................... 776 40 50 66 5 Dividends on shares ........................... 10.128 54 181 26 3.711 9 Other adjustments ............................. 3 37 10 Balance at end of the year .................. 84 19 940 5,247 207 13,691 C Cansdian o-operative Credit Society - SociétC oopérative canadienne de credit No. Prince Edward Island Nova Scotia New Brunswick - - NouvelleEcosse NouveauBrunswick thousands of dollars 1 Balance at beginning of the year ................. Québec - Ile-duPrinceEdouard - Ontario milliers de dollars 370 60 451 412 25,361 2,527 776 40 50 66 5,247 207 75 - 500 Add: 2 Transfers from undivided earnings account 3 Provisions charged to current expenses 4 5 Loans recovered ................................ Entrance fines and fees ........................ - ... -46 - - - - - - - - - - Deduct: 6 7 Loans written off .............................. Current and other deductions ................... 10 Balance at end of the year ................... - - 19 - - - - 100 557 478 215 332 30,561 2, • - 85 - TABLEAU 30. 9tats estiinatifs des b6n6ficea non repartis - Centrales, 1978 British Northwest Columbia Territories Sa ska tAlberta - - Canada Manitoba chewan Colombie- Territoires Britan- du nique Nord-Ouest thousands of dollars - milliers de dollars 32 - 705 8,174 - 10 22,334 Solde au debut de l'année 1 Ajouter: 3,039 4,563 2,686 5,459 10 36,408 BBnéfjce net des operations de l'année - - - - - 1,294 BBnBf ice provenant de la vente ou de 1'6ch6ance d'obligations. 2 3 Déduire: 81 1,944 705 2,673 1,057 1,543 274 43 1,562 1,143 9,116 Affectations aux reserves ................... 4 4,602 23,975 Dividendes cur actions ...................... 5 378 699 Autres deductions ........................... 9 8,653 26,246 Solde des bénCfices non rBpartis B la fin de l'annCe. 10 . British Northwest Columbia Territories Saskat-. Alberta - - Canada Manitoba C ewan Colombie- Territoirea Britan- du nique Nord-Ouest thousands of dollars - milliera de dollars 2,814 7,998 1,042 - - 41,035 Solde des reserves au debut de l'année ........ Ajouter 81 1,944 705 - - 9,116 Affectations provenant du compte des bénC- 2 fices non répartis. - - - - - 575 Provisions imputées aux dépenses du trimestre obs e rye. - - - - - - Prts recouvrés ..............................4 - - - - - - Droits d'jnserjntions at amendes ............ Déduire: • - -6 234 Préts radils .................................6 362 Prélèvements faits et autres déductiona 7 9,942 1,753 50,130 Solde des reserves B 18 fin de l'annCe 10 - 86 - Selected List of Publications Relating to Credit UnionK Liste de publications concernant les caisses d'épargne et de rcdL World Council of Credit Unions, Inc. International Yearbook. P.O. Box 431, Madison, Wisconsin, 53701. Credit Union National Assocation, Inc. (CUNA). U.S. Yearbook. P.O. Box 431, Madison, Wisconsin, 53701. 10 to 10, Canadian Credit Unions ... from 10 cents to 10 billion dollars in 75 years, National Association of Canadian Credit Unions, (by) Fred McGuiness. Toronto, Southan Murray, 1976 Les Caisses Populaires Alphonse Desjardins, 1900-1920 (par) Yves Roby, 9dit6 et distribué par la Fédération de Québec des C.P. Desjardins, Levis (Québec). Credit Unions in Canada. A bibliography published by Communications 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., Charlotte- bli \OVI CCL Li. Credit Unions of New Brunswick. Annual Report of the Credit Union Branch. Department of Agriculture and Rural Development, Fredericton, New Brunswick. - Caisses d'épargne et de credit du NouveauBrunswick. Rapport annuel de la Division des Caisses d'épargne et de credit. Ministre de l'Agriculture et du Développement Rural, Frédéricton (Nouveau-Brunswick). Caisses d'pargne et de Credit du Québec. Statistique financire. Bureau de la Statistique du Québec, Division des finances, Québec (Québec). 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. - Statistiques financires trimestrielles des Caisses d'épargne et de credit et des Caisses Populaires. Bureau de la statistique du Manitoba, Winnipeg, Manitoba. 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. J I LI I&CIH, aiI external trade and international statistics. Published by Bank of Canada, Ottawa, Ontario, KIA 0(9. Monthly - Mensuel. - 87 - • 'vincja1 Credit Union Acts .iLdes caisses d'épargne et de credit - The co-operative Societies Act, R.S.N., 1970, c.65; as amended, 1971, No. 14, No. 61; 1973, No. 23, No. 39; 1974, No. 1; 1975-1976, No. 58, No. 71. - The Co-operative Societies Act, R.S.N., 1970, c.65; modifiée, 1971, no 61; 1973, no 23, no 39; 1974, n o 1; 1975-1976, n o 58, no 71. Prince Edward Island - Ile-du-Prince-douard The Credit Union Act, R.S.P.E.I., 1974, c.28; as amended, 1976, c.8; 1977, c.7. - The Credit Union Act, R.S.P.E.I., 1974, c.28; modifiée, 1976, c.8; 1977, c.7. Nova Scotia - Nouve11e-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; 1974, c.34; 1975, c.22. - Credit Union Act, R.S.N.S., 1967, c.69; modifiée, 1969, c.36; 1970, c.37; 1972, c.28; 1973, c.26; 1974, c.34; 1975, c.22. New Brunswick - Nouveau-Brunswick Credit Unions Act, R.S.N.B., 1973, Unions Act, 1977, c-32.1 (received Royal les caisses populaires, L.R.N.-B., 1973, caisses populaires, 1977, c-32.1 (a reçu en vigueur). c.32; as amended, 1974, c.10 (Supp.); 1975, c.17; Credit Assent June 16, 1977; not yet fully proclaimed). - Lol sur c.32; modifiée, 1974, c.10 (Supp.); 1975, c.17; Loi sur lee la sanction royale le 16 juin, mals n'est pas encore entrée C b ec Savings and Credit Unions Act, R.S.Q., 1964, c.293; as amended, 1966/1967, c.72; 1968, c.76; . 70, c.59. - Loi des caisses d'épargne et de credit, S.R.Q., 1964, c.293; modifiée, 1966/1967, c.72; 1968, c.76; 1970, c.59. An Act respecting the caisses d'entraide économlque, S.Q., 1974, c.68. - Loi des caisses d'entraide économique, L.Q., 1974, c.68. Ontario The Credit Unions Act, R.S.0., 1970, c.96; as amended, 1971, c.98; 1972, c.1; 1974, c.39; The Credit Unions and Caisses Populaires Act, 1976, c.62 (received Royal Assent December 7, 1976; not yet fully proclaimed). - The Credit Unions Act, R.S.0., 1970, c.96; modlfiáe, 1971, c.98; 1972, c.l; 1974, c.39; The Credit Unions and Caisses Populaires Act, 1976, c.62 (a reçu la sanction royale le 7 décembre 1976, male n'est pas encore entrée en vigueur). Manitoba The Credit Unions Act, R.S.M., 1970, c.53; as amended, 1971, c.82; 1974, c.31; The Credit Unions and Caisses Populaires Act, S.M., 1977, c.300 (received Royal Assent June 18, 1977; not yet fully proclaimed). - The Credit Unions Act, R.S.M., 1970, c.53; modifiée, 1971, c.82; 1974, c.31; The Credit Unions and Caisses Populaires Act, S.M., 1977, c.300 (a reçu la sanction royale le 18 juin 1977, mais n'est pas encore entrée en vigueur). Saskatchewan The Credit Union Act, S.S., 1972, c.24; as amended, 1973, c.22, 24, 77, 82; 1974-75, c.7; 1976, c.9; 1977, c.24. - TheCredit Union Act, S.S., 1972, c.24; modiflde, 1973, c.22, 24, 77, 82; 1974-75, c.7; 1976, c.9; 1977, c.24. Alberta The Credit Union Act, R.S.A., 1970, c.74; as amended, 1971, c.1, 1973, c.61, c.66; 1975(2), .48; 1976, c.61. - The Credit Union Act, R.S.A., 1970, c.74; modifiée, 1971, c.1, 1973, c.61, c.66; . I75(2), c.48; 1976, c.61. ritjsh Columbia - Colombie-Britannigue Credit Unions Act, S.B.C., 1975, c.17; as amended, 1976, c.14; 1977, c. (repealing the Credit Unions Act, S.B.C., 1961, c.14). - Credit Unions Act, S.B.C., 1975, c.17 (abroge the Credit Unions Act, S.B.C., 1961, c.14). - 88 - List of Provincial Government Officials of Credit Unions Liste des responsables au gouvernement provincial pour Les caisses d'ép::. Newfoundland - Terre-Neuve Québec N. P.-P. Armand Mr. S. Keane, Directeur du Service Registrar, Department of Consumer Affairs and Envi- Services des caisses d'épargne et de crédit ronment, Confederation Building, Elizabeth Towers, Ministre des Consommateurs, Cooperatives et Institutions financières 100 Elizabeth Avenue, St. John's, Newfoundland, A1C 5T7. 800, place d'Youville Québec (Quebec), G1R 4Y5 (709) 737-2582 (418) 643-7981 M. A. Lamé Prince Edward Island - Ile-du-Prince-Edouard Directeur Services des finances, des gouvernements et institutions Mr. E. Shea, Bureau de la statistique du Québec Director of Corporations, Department of Provincial Secretary, Québec (Québec), GIA 4Y4 (418) 643-5020 Corporations Division, P.O. Box 2000, Charlottetown, Prince Edward Island, CIA 7N8. (902) 892-5321 Ontario Nova Scotia - Nouvelle-Ecosse Mr. J.L. Viau, Registrar of Credit Unions, Department of Provincial Secretary, P.O. Box 998, Halifax, Nova Scotia, B3J 2X3. (902) 424-4317 New Brunswick - Nouveau-Brunswick Mr. D. Boudreau, Director, Credit Unions and Co-operative Branch, Department of Agricultural Credit & Co-ops., P.O. Box 6000, Fredericton, New Brunswick, E3B 5H1. (506) 453-2315 Mr. Joseph, M. Best, Director, Credit Unions & Services Branch, 8th Floor, 555 Yonge Street, Toronto, Ontario, M7A 2H6 (416) 963-0515 Manitoba Mr. Ralph Brighty, Associate Minister, Department of Co-operative Development, Room 327, Legislative Bldg., Winnipeg, Manitoba, R3C 0V8 (204) 946-7331, 946-7168 Mr. Dave Kerr, Director, Credit Unions, Department of Co-operative Development, 800-491 Portage Avenue, Winnipeg, Manitoba, R3B 2E7. (204) 786-8531 0 - 89 - 1st of Provincial Government Officials of Credit Unions - Concluded onsables au gouvernement provincial pour les caisses d'épargne et de credit - fin Saskatchewan Mr. J.E. Reed, Deputy Minister, Department of Co-operation and Co-operative Development, 2055 Albert Street, Regina, Saskatchewan, S4P 3V7. (306) 565-5786 Mr. A. Munholland, Director of Administration and Research Branch, Department of Co-operation and Co-operative Development, 2055 Albert Street, Regina, Saskatchewan, S4P 3V7. (306) 565-5796 . Alberta Mr. 1t.M. Ekiund, Director of Credit Unions, Department of Consumer and Corporate Affairs, 10065 Jasper Avenue, Edmonton, Alberta, T5J 3B1. (403) 427-8507 British Columbia - Colombie-Britannigue Mr. K.O. Saddlemyer, Assistant Deputy Minister, Corporate Affairs, Ministry of Consumer and Corporate Affairs, 940 Blanchard Street, Victoria, British Columbia, V8W 3E6. (604) 387-3942 J.H. Thomas, erjnLendent of Credit Unions :m floor, 1050 West Fender, incouver, British Columbia, V6E 3S7. 04) 682-7031 - 90 - 1st of Officials of Central Credit Unioi Liste des responsables des caisses centrales d'épaIUr World - Mondial World Council of Credit Unions, Inc. (WOCCU) Mr. A.A. Bailey, Managing Director, P.O. Box 431, Madison, Wisconsin 53701, U.S.A. Canada The Canadian Cooperative Credit Society (CCCS) - La Société Cooperative Canadienne de Credit (SCCC) . New Brunswick - Nouveau-Brunswick Nr. W.E. Jarvis, General Manager, Brunswick Credit Union Federation Ltd. P.O. Box 1025, Moncton, New Brunswick, E1C 8P2. (506) 855-4044 M. M. Legre Directeur général La Fédération des Caisses Populaires Acadiennes Limitée Caraquet (Nouveau-Brunswick), EOB 1KO (506) 727-3478 Québec Mr. C.S. May, Chief Executive Officer, Box 800, Station U, Toronto, Ontario, M8Z 5R2. (416) 232-1262. Newfoundland - Terre-Neuve Mr. M. Boland, President, Credit Union Council of Newfoundland Ltd. P.O. Box 13004, Station A, St. John's, Newfoundland, A1B 3C8. (709) 753-7327 Prince Edward Island - Ile-du-Prince-Edouard Mr. J.G. Caudin, Managing Director, Prince Edward Island Credit Union League Ltd. P.O. Box 968, Charlottetown, Prince Edward Island, CiA 7M4. (902) 892-6566 M. R. Soupras Directeur général La Fédération des Caisses d'Economie du Québec 5705, est, riie ShLrbrookL Montréal (Q H]] (514) 259-2 N. J. Gagnoi Président/dH i H La Fëdératiou J•- ;iss- (luLr.iIj Economique du Québec Suite 12 540, Ouest rue Sacré-Coeur Alma (Québec), G8B 6Y4 (418) 662-6595 . M. P.-E. Doré Président La Fédération des Caisses d'EtablisseTnent du Québec C.P. 9366 1033, route de l'glise, Ste-Foy (Québec), C1V 3141 (418) 549-7501 N. M. Pageau Président La Fédération de Montréal des Caisses Populaires Desjardins 1405 E. Henri-Bourassa NontrCal (QuCbec), H2C 1H1 (514) 382-7160 Nova Scotia - Nouveile-Ecosse Mr. R. MacMullin, Managing Director, Nova Scotia Credit Union League, P.O. Box 9200, Halifax, Nova Scotia, B3K 5N3. (902) 453-4220 M. A. Rouleau Président La Fédératioi j uHbc Li Desjardin S1ge Social 150, avenue :riuiiiI un-i Levis (Québec), G6V 6P8 (418) 835-2593 . - 91 - • List of Officials of Central Credit Unions - Concluded responsables des caisses centrales d'épargne et de credit - fin Québec - Concluded - fin M. Jean de Grandprix Chief Executive Officer La Ligue des Caisses d'1conomie du Québec (Québec Credit Union League) 17 Ronald Drive Montréal West (Québec), H4X 1M9 (514) 487-5820 Ontario M.R. Almanza Directeur général La Fédération des Caisses Populaires (CF) de l'Ontario Ltée. 3ime étage, 200, rue Isabella Ottawa (Ontario), K1S 1V7 (613) 237-6830 Mr. G.A. Charbonneau, Ceneral Manager, Credit Union Central . 180 Duncan Mill Road, I)on Mills, Ontario, M3B 3K3. (416) 441-2900 Manitoba Mr. Maurice Thérien Directeur général La Centrale des Caisses Populaires du Manitoba Ltée. 390 Provencher CF 68 Saint Boniface (Manitoba), R2H 3B4 (204) 247-8988 Mr. C. Hansen, Chief Executive Officer, Co-operative Credit Society of Mantitoba Ltd., 215 Garry Street, P.O. Box 9900, Winnipeg, Manitoba, R3C 3E2. (204) 942-6331 Saskatchewan Mr. N. Bromberger, General Manager, Saskatchewan Co-operative Credit Society, 2055 Albert Street, P.O. Box 3030, Regina, Saskatchewan, S4P 3G8. (306) 569-2033 Alberta Mr. B. Johnson, General Manager, Credit Union Federation of Alberta, Ltd., 1400 - 1st Street, S.W., Calgary, Alberta, T2R 0V8. (403) 266-2811 British Columbia - Colombie-Britannigue Mr. Peter Podovinikoff, Chief Executive Officer, B.C. Central Credit Union, P.O. Box 2038, Vancouver, British Columbia, V6B 3R9. (604) 734-2511 - 92 - i(' fl..'. r 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. 61-004 Consumer Credit. Contains estimates of .•.IH .i-.ttH MonLlil. i1ir1w11 wi Itl nhliticw the sC](ted willicatiwie 1isLd above, SLatistics 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. 0 - 93 - 'IILTCA1'TONS DE STAT'TSTTQE (ANAt)A 61-006 Institutions financières, statistique financière. Données sur le bilan et Vétat des béndfices de la plupart des institutions financières au Canada, y compris les caisses d'pargne et de credit. Trimestriel, 8ilinRue. 13-002 Financial Flow Accounts. Fournie la provenance et l'utilisation des fonds par secteur de l'économie, y compris les caisses depargne et de credit. Trimestriel, Bilinguc. 61-004 Credit A la consommation. Lnferme des estimations sur le credit consenti par chacune des grandes sociétds de credit Ia consommation. Mensuel, Bilingue. Outre lea publications ci-dessus énumérées, Statistique Canada publie une grande variété de rapports statistiques sur le Canada tant dans le domaine économique que social, y cornpris des rapports détaillCs sur le recensement de 1971. On peut se ptocurer gratuitement un catalogue complet des publications courantes A Statistique Canada, Ottawa, Ontario KIA OZ6. C 0 0 0 fl DATE DUE DATE DE RETOUR UWM\RFIN No I 137 STAT'STTS CANADA : RPRY 1010530613 . 0