Then and Now. Celebrating 60 years of service ANNUAL REPORT
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1 Then and Now. Celebrating 60 years of service ANNUAL REPORT
2 Contents 1 CHAIRMAN, BOARD OF DIRECTORS & PRESIDENT S REPORT 4 SUPERVISORY COMMITTEE REPORT 5 COMMUNITY OUTREACH 7 STATEMENTS OF FINANCIAL CONDITION 8 STATEMENTS OF INCOME 9 BOARD OF DIRECTORS & SUPERVISORY COMMITTEE
3 CHAIRMAN, BOARD OF DIRECTORS & PRESIDENT S REPORT CHAIRMAN, BOARD OF DIRECTORS & PRESIDENT S REPORT Then and Now 2014 may prove to be the best year financially in the history of the credit union. Financially, we saw the credit union s assets grow by $20.7 million (4.3%) to $496,302,000. Member deposits increased $14.6 million (3.6%) to $421.1 million. Our total loan portfolio increased $41.3 million (17.2%) to $282.2 million (exclusive of the Allowance for Loan Losses) as member confidence in the economy rebounded, resulting in growth in every one of our loan categories. We are in the business to serve our members and to meet their needs which is why we rely heavily on your input into our product offerings. As a result of your input, we began offering member business loans in 2014 as well as expanding our merchant referral loan offerings. Net Income for 2014 was $4.4 million bringing our Members Equity position to $48.0 million or 9.67% of assets, keeping us categorized as Well Capitalized per our federal regulator. Once again, we received another clean opinion in our financial audit from our CPA audit firm as well as good marks from our regulator, the National Credit Union Administration. We remain the only financial institution in the Lowcountry endorsed by Dave Ramsey and the only one insuring member deposits to $500,000. As we approach our 60th year of operation, our members can take pride in the fact that Heritage Trust Federal Credit Union is one of the premier financial institutions in our market. In 2014 we expanded our electronic and mobile offerings to our membership. We completed a massive online banking conversion to better serve our members. We are still doing some fine-tuning to enhance the performance of the system as well as trying to incorporate member suggestions into the programming. We began offering remote deposit capture, allowing members to make check deposits by smart phone and smart tablet, saving them a trip to one of our branches. To better serve our mortgage loan members, we moved our mortgage loan servicing in-house from our third party vendor. Now members can have their questions answered by our employees having direct access to the mortgage files. We continue to reach out to those of the younger generations to build relationships that will last a lifetime. The dialog stations being utilized in our two newest branches, Park West and Coleman Blvd., are growing in popularity and will become the standard for branch renovations in the future. Our member satisfaction ratings remain in the 95% range, while our branch service standard ratings, mystery shops, continue to range between 98% and 100%. Our Coleman Blvd. branch was the 2014 winner of the Service Standards Award! Through the generosity of our members, your credit union continues to remain active in community related projects such as our Annual Relay for Life Golf Tournament that generates considerable funds for the American Cancer Society. Employees participated in various projects to raise funds for the Heart Association, Muscular Dystrophy, and the Leukemia Society, just to name a few. Our participation in social awareness projects once again earned us first place for the Dora Maxwell Award for Social Responsibility and the Louise Herring Award for Philosophy in Action. Once again, we were a finalist in the Greater Summerville/Dorchester Chamber of Commerce s Business of the Year. The community rooms at Park West and Coleman Blvd. are frequently booked by local civic and service clubs as well as VITA volunteers assisting the community residents with income tax preparations. We stand ready to take on 2015 with great excitement. (continued) 1 2
4 CHAIRMAN, BOARD OF DIRECTORS & PRESIDENT S REPORT SUPERVISORY COMMITTEE REPORT We have converted all of our ATMs over to the new EMV standard which is designed to help improve security standards. We anticipate the remodeling of the Goose Creek branch to the new dialog station format, which will complete the project we started in We plan to begin a comparable project at West Ashley later in the year. Safety & Soundness Our credit union is fortunate to have such fine leadership on the board level as they set forth the vision to take us into the future. With our continued focus on T.R.U.S.T. (Team-Respect-Unity-Service-Technology) we have recruited and hired some of the finest people around to serve our membership, whether it is at the branch level, at the back office support group level, or by your management team. Building longstanding relationships is what we are all about as is the focus of our service levels to our member-owners. We have a great story to tell and a proud history behind us. We are thankful for the loyalty and dedication of our members who have made us what we are today. We will continue to look for newer and better ways to serve our members and our communities. The Supervisory Committee at Heritage Trust Federal Credit Union consists of three members appointed by the Board of Directors. The Committee is responsible for ensuring that internal controls are effectively maintained, accounting records are accurately and promptly prepared, and that Heritage Trust operates in accordance with the policies established by the National Credit Union Administration and the Board of Directors. The Committee works with internal and external auditors, the Board of Directors, the CEO, and the employees of Heritage Trust to ensure that all operations are performed with the highest degree of accuracy and integrity. Our goal is to help you succeed financially in life by living by the code of people helping people. Troy D. Draughn Chairman, Board of Directors James H. (Jim) McDaniel, Sr. President/CEO This year, the Committee retained the services of Orth, Chakler, Murnane and Company, a respected CPA firm specializing in the credit union industry, to perform an audit of the credit union s financial statements. They have determined that the financial statements before you represent fairly, in all material respects, the financial position and results of operations of Heritage Trust Federal Credit Union in conformity with Generally Accepted Accounting Principles. It is the opinion of the Supervisory Committee that Heritage Trust is financially sound, the financial statements accurately represent its financial condition, and all business activities are handled in accordance with the policies of the Board of Directors and with government regulations. For any concerns or comments, please address your correspondence to: Supervisory Committee Heritage Trust Federal Credit Union PO Box 203 Summerville, SC Sincerely, J. Walton Orvin, CPA Supervisory Committee Chairman 3 4
5 Community Outreach Heritage Trust Receives First Place Recognition for Community Service and Philosophy in Action Awards Heritage Trust Federal Credit Union was awarded first place for both the prestigious Dora Maxwell Award for Social Responsibility and Louise Herring Philosophy-in-Action Member Service Award by the Carolinas Credit Union League. This league represents credit unions in both North and South Carolina. Heritage Trust won in the $ million assets category. The Dora Maxwell award is given to a credit union that hosts an outstanding initiative that makes a positive difference for non-members living within the community. The award winning initiative was Heritage Trust s 2014 March of Dimes campaign. Employees and members supported this non-profit organization through various fundraising initiatives including bake sales, employee luncheons, personal donations and more. Heritage Trust raised over $7,000. The Louise Herring award recognizes a credit union that strives to improve the lives of its members through financial education. Heritage Trust implemented a series of educational events for Select Employee Groups (SEGs) throughout the year. Various departments work together to host these events at SEG sites with topics ranging from repairing credit to budgeting and first-time home buying. It is truly an honor to be recognized as a credit union that strives to embody the credit union philosophy by making a positive difference in both members and non-members alike, commented Executive Vice President, Steve Wichmann. Our employees and members understand the important role that we have and are dedicated to making a positive change in our communities. Winning these awards is recognition of Heritage Trust s commitment to being socially responsible throughout the community while maintaining a high quality of service for members. For 60 years, Heritage Trust has strived to make a difference in our community and we are humbled to be able to provide a variety of financial literacy services to our members while contributing to our entire community through our outreach initiatives, commented President/ CEO, Jim McDaniel. We look forward to being able to pass on the philosophy of people helping people to generations to come. 5 Heritage Trust Members and Employees Donate Toys and Bikes to Toys for Tots During the 2014 holiday season, Heritage Trust employees and members donated dozens of toys and several bicycles to Toys for Tots. Heritage Trust branches served as collection sites for employees and community members to donate new, unwrapped toys throughout November and December. Employees also donated over $300 in cash that was used to purchase additional gifts. This season, our employees and members truly showed the spirit of giving, said Heritage Trust Community Outreach Specialist, Mary Ann Baker. I am always excited to see how our members go above and beyond during each of our community outreach initiatives. Toys for Tots is a US Marine Corps initiative designed to deliver, through a new toy during the Holidays, a message of hope, to less fortunate children in the hopes that a gift and an experience will assist them in becoming responsible, productive, patriotic citizens. This is one of the many charities that is a part of Heritage Trust s HTCares Community Outreach. Through HTCares, Heritage Trust employees and members strive to help others in need and better the Lowcountry community. Heritage Trust Donates $12,000 to Relay for Life In April, Heritage Trust supported the American Cancer Society s through their signature event, the Relay for Life. This annual event raises community awareness and helps fund better ways to prevent, detect and treat cancer. This year, Heritage Trust donated $12,000 to Relay for Life through various fundraisers and our annual charity golf tournament. I am honored to work with such caring and giving individuals and I am proud of our employees for being so dedicated to this cause, commented CEO/President, Jim McDaniel. I am overwhelmed by the outreach and support our employees and members showed throughout the Relay for Life fundraising season. The Relay for Life is a yearly celebration that raises money and public awareness in the fight against cancer. At this event community members gather together to honor and remember mothers, fathers, grandparents, brothers, sisters, aunts, uncles, friends and others who have been affected by this horrible disease. Over thirty Heritage Trust employees, families and friends attended this community event. Funds raised at this event as well as through other fundraising efforts held throughout the year will benefit the American Cancer Society. 6
6 STATEMENTS OF FINANCIAL CONDITION (AUDITED) STATEMENTS OF INCOME (AUDITED) ASSETS Cash $10,643,513 $10,195,431 Other receivables 1,438,264 1,578,415 Investments: Available-for-sale 123,223, ,882,667 Other 49,069,589 72,584,865 Loans to members, net of allowance for loan losses 279,844, ,145,676 Accrued interest receivable: Investments 381, ,839 Loans 883, ,480 Prepaid and other assets 4,159,623 3,187,974 Other real estate owned (OREO) 196,092 Property and equipment 22,457,122 23,899,880 NCUSIF deposit 4,004,752 3,919,302 Total assets $496,301,734 $475,612,529 LIABILITIES AND MEMBERS EQUITY As of December 31, As of December 31, LIABILITIES: Members share and savings accounts $421,100,221 $406,470,431 Borrowed funds 20,000,000 20,000,000 Interest payable 73, ,787 Accounts payable and accrued liabilities 6,418,373 5,630,713 Total liabilities 447,591, ,209,931 Commitments and contingent liabilities MEMBERS EQUITY: Regular reserve 1,585,291 1,585,291 Undivided earnings 46,407,584 42,031,375 Accumulated other comprehensive income/(loss) 716,965 (214,068) Total members equity 48,709,840 43,402,598 As of December 31, INTEREST INCOME: Loans to members $15,077,009 $14,365,291 Investments 2,165,851 1,584,563 Total interest income 17,242,860 15,949,854 INTEREST EXPENSE: Members share and savings accounts 1,844,959 2,283,494 Interest on borrowed funds 628, ,992 Total interest expense 2,473,213 3,203,486 Net interest income 14,769,647 12,746,368 PROVISION FOR LOAN LOSSES: 447, ,521 Net interest income after provision for loan losses 14,322,188 12,487,847 NON-INTEREST INCOME: Fees and service charges 10,421,943 10,773,246 Gain on sale of investments 480,991 29,094 Gain on sale of OREO 42,773 Total non-interest income 10,945,707 10,802,340 25,267,895 23,290,187 NON-INTEREST EXPENSE: Compensation and employee benefits 10,314,851 9,777,783 Office operating costs 5,682,741 6,024,171 Professional and outside services 3,293,990 3,171,168 Other expenses 1,600,104 1,994,613 Total non-interest expense 20,891,686 20,967,735 Net income $4,376,209 $2,322,452 Total liabilities and members equity $496,301,734 $475,612,
7 BOARD OF DIRECTORS & SUPERVISORY COMMITTEE BOARD OF DIRECTORS NOTES Troy Draughn Chairman Anthony Oglietti Vice Chairman Jimmy Green Secretary/Treasurer Ronnie Anderson Tina Doscher Bradley Mallett Susan Mertz Bette Thomas Melvin Willis SUPERVISORY COMMITTEE Walton Orvin Chairman 9 Samuel Coleman William Hamilton
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