KBR Heritage Federal Credit Union 2022 Annual Report

Statement of Changes in Retained Equity December 31, 2022

Undivided Earnings

$13,892,858 1,201,934 $15,094,792

Balance January 1, 2022 Year-to-Date Net Income Balance December 31, 2022

Statement of Cash Flows December 31, 2022 Increase or (Decrease) in Cash and Cash Equivalents Cash Flows from Operating Activities: Net Income Adjustments for Non-Cash Operating Activities: Depreciation and Amortization of Fixed Assets and Leasehold Improvements Net Increase in Accrued Interest on Loans and Investments Net Decrease in Accounts Receivable and Other Non-Cash Assets Net Increase in Drafts Payable

$1,201,934

6,225 (58,995)

1,208,242 99,350 (24) (1,503) $2,455,229

Net Decrease in Dividends Payable Net Decrease in Other Liabilities Net Cash Used by Operating Activities Cash Flows from Investment Activities: Net Increase in Loans Net Decrease in Investments

$(13,717,923) 20,757 (1,617) (4,564)

Net Increase in Fixed Assets and Leasehold Improvements Net Increase in NCUA Share Insurance Capitalization Deposit Net Increase in Cash Surrender Value of Credit-Union-Owned Life Insurance Policies Net Cash Used by Investment Activities

(85,916)) $(13,789,263)

Cash Flows from Financing Activities: Net Decrease in Shares Net Increase in Share Drafts Net Decrease in Member Certificates Net Increase in Nonmember Certificates Net Cash Used by Financing Activities

$(4,813,031) 1,239,737 (24,676) 1,992,000 $(1,605,970)

$(12,940,004)

Net Decrease in Cash and Cash Equivalents

$13,248,282

Cash or Cash Equivalents at Beginning of Year

$308,278

Cash or Cash Equivalents at End of Year

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