KBR Heritage Federal Credit Union 2022 Annual Report

Statement of FINANCIAL CONDITION

December 31, 2022

Assets: Loans, Net of Allowance for Loan Losses of $368,235 Cash and Cash Equivalents Investments Accrued Interest on Loans and Investments Furniture, Equipment and Leasehold Improvements Less: Accumulated Depreciation and Amortization NCUA Share Insurance Capitalization Deposit Cash Surrender Value of Credit-Union-Owned Life Insurance Policies

$40,176,078 308,278 44,825,625 234,309 317,959 (306,519) 735,934 3,203,531 418,280 $89,913,475

Other Assets Total Assets

Liabilities: Dividends Payable Drafts Payable Other Accounts Payable and Accrued Liabilities Total Liabilities Equity: Shares Share Drafts Member Certificates PFC ACF Owners of Asset 03511740 WMBFFO (nonmember certificates of deposit) Undivided Earnings Total Equity Total Liabilities and Equity

$0 181,359 269,076 $450,435

$54,857,660 17,166,385 352,203

1,992,000 15,094,792

$89,463,040 $89,913,475

Statement of Income Year Ended December 31, 2022

Income from Credit Cards Income from Real Estate Loans Income from Other Loans Income from Investments Other Income Total Operating Revenue Compensation and Benefits Educational and Promotional Loan Servicing Provision for Loan Losses Professional Services Office Operating Expense Other Operating Expense Total Operating Expense

$146,676 420,065 956,948 447,819 797,320 $2,768,828

$718,149 20,927 85,186 8,030

399,334 296,451 60,099 $1,588,176

Increase in Cash Surrender Value of Credit-Union-Owned Life Insurance Policies

$85,915

Net Income Before Dividends Dividends Net Income

$1,266,567 64,633 $1,201,934

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