Chief Financial Officer

2013-05-07T12:38:51-07:00 2012-12-31 990 2012-01-01 820217065 IDAHO CENTRAL CREDIT UNION IDAH 2084783300 PO Box 2469 Pocatello ID 83206 Brian Berrett Chief Financial Officer 2084783300 2013-05-07 2012 2016-02-25 16:41:14Z Kent Oram PO Box 2469 Pocatello ID 83206 71746855 0 X www.iccu.com X 1940 ID Credit Union providing financial products and services to members. 7 7 452 10 0 0 0 0 58776963 71746855 0 0 0 0 58776963 71746855 0 0 13028332 10557974 18927421 21246160 0 0 0 11437825 12232486 43393578 44036620 15383385 27710235 1011052324 1255000100 14175635 40595385 996876689 1214404715 Credit Union providing financial services to members. 0 0 44036620 0 71746855 Idaho Central serves 127,094 members through 19 locations in Idaho. We provide a full range of financial products and services to our members. We pool member funds and loan them to members. All expenses are either related to having funds available to lend or operating costs. We provided loans to 54,004 of our members. Total loans outstanding at the end of the year were $1,083,665,462. All 127,094 of our members participate in our deposit products. During the year we spent $7,947,794 in interest expense to have funds available to lend to members. 0 0 0 44036620 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 3 0 1 452 1 0 0 0 0 0 0 X 7 7 0 0 0 0 1 0 0 1 1 0 1 1 0 1 1 1 1 1 1 1 0 X Idaho Central Credit Union 2084783300 PO Box 2469 Pocatello ID 83206 Debbie Brady Board Member 5 X 0 0 0 Ben Call Board Member 5 X 0 0 0 Troy Neu Board Member 5 X 0 0 0 Marv White Board Member 5 X 0 0 0 Judy Harveston Board Member 5 X 0 0 0 Cindy Watson Chairman 5 X 0 0 0 Dorothy Ricks Board Member 5 X 0 0 0 Kent Oram President 60 X X X 605681 0 110230 Brian Berrett Chief Financial Officer 60 X X X 182549 0 64338 Shelli Bardsley Executive Vice President 60 X X 416063 0 75195 Brenda Worrell Executive Vice President 60 X X 362496 0 63954 Mark Willden Chief Information Officer 60 X X 196658 0 50075 Lance Hendricks Mortgage Loan Officer 40 X 157219 0 0 Edward Tierney Vice President of Mortgage Lending 60 X 165242 0 53169 Daren Almond Mortgage Loan Officer 40 X 167706 0 12653 Corey Dahle Vice President of Consumer Lending 60 X 137772 0 12117 Collin Hunter Mortgage Loan Officer 40 X 159605 0 12053 2550991 0 453784 13 0 1 0 0 0 Interest on Loans to Members 522130 41648138 41648138 0 0 Other Member Income 522130 22046563 22046563 0 0 Income from Member Fees and Charges 522130 7845754 7845754 0 0 Investment Income 522130 206400 206400 0 0 0 0 0 0 71746855 0 0 0 0 0 71746855 71746855 0 0 0 0 0 10557974 2300793 13814727 0 1666134 2056292 1408214 0 16077 416810 0 0 0 117639 2279592 1331917 2285295 0 1521761 823591 0 162439 85848 0 2117300 152725 NCUA Assessment 899151 Miscellaneous Expenses 22341 44036620 0 0 0 4410207 8262102 50316957 83112553 0 0 9484758 5679750 0 0 0 0 879628870 1078230811 0 0 2666713 2281353 64450093 9359787 47209537 55090306 1049878 1048566 0 0 3645038 5065766 12640366 16228893 1011052324 1255000100 12346524 20585737 0 0 0 0 0 0 0 0 0 0 18393369 0 0 1829111 1616279 14175635 40595385 X 907763164 1098925790 0 0 89113525 115478925 996876689 1214404715 1011052324 1255000100 X 27710235 0 0 0 0 189817791 X 0 0 0 22157768 0 22157768 30098243 0 3236266 26861977 89396 0 28095 61301 12104686 0 6095426 6009260 0 0 0 0 55090306 Interest Payable on Deposits 1584602 Dividends on Shares 31677 1616279 X X 1 1 X X X X 0 1 0 Kent Oram President 440209 0 153484 0 11988 0 88178 0 27909 0 721768 0 0 0 Brian Berrett Chief Financial Officer 157409 0 24600 0 540 0 55333 0 9005 0 246887 0 0 0 Shelli Bardsley Executive Vice President 306886 0 100735 0 8442 0 61375 0 13820 0 491258 0 0 0 Brenda Worrell Executive Vice President 267725 0 88876 0 5895 0 45828 0 18126 0 426450 0 0 0 Mark Willden Chief Information Officer 170081 0 25767 0 810 0 41050 0 9025 0 246733 0 0 0 Lance Hendricks Mortgage Loan Officer 37940 0 118888 0 391 0 4735 0 3617 0 165571 0 0 0 Edward Tierney Vice President of Mortgage Lending 120551 0 44151 0 540 0 44232 0 8937 0 218411 0 0 0 Daren Almond Mortgage Loan Officer 41191 0 123437 0 3078 0 4468 0 8185 0 180359 0 0 0 Corey Dahle Vice President of Consumer Lending 112758 0 24663 0 351 0 3848 0 8269 0 149889 0 0 0 Collin Hunter Mortgage Loan Officer 35864 0 122167 0 1574 0 3690 0 8363 0 171658 0 0 0 SchJ_P01_S00_L01a Schedule J, Part I, Line 1a Idaho Central provides certain key employees travel for companions and health or social club dues. SchJ_P01_S00_L04 Schedule J, Part I, Line 4 Amounts expensed during 2012 are as follows: Kent Oram-$24,117 and Shelli Bardsley-$7,515. F990_P06_S0A_L06 Form 990, Part VI, Section A, Line 6 Idaho Central is a member owned, not for profit credit union. F990_P06_S0B_L11b Form 990, Part VI, Section B, Line 11b The Chief Financial Officer (also a CPA) prepares the 990. It is then submitted to the President for review prior to filing. F990_P06_S0B_L12c Form 990, Part VI, Section B, Line 12c We consistently monitor and enforce compliance with the conflict of interest policy. It covers Board Members, key staff, and family members. A review is performed at least annually. In addition, auditors and examiners review accounts held by the aforementioned persons. F990_P06_S0B_L15 Form 990, Part VI, Section B, Line 15 Annually, the Board of Directors reviews salary surveys of similar sized institutions and sets the salary of the President according to that and how Idaho Central is performing. The President sets the salary for all other employees of the Credit Union. Each employee receives an annual salary review. F990_P06_S0C_L19 Form 990, Part VI, Section C, Line 19 The financial statements are published in the branch offices and are available upon request. Other documents may also be made available upon request. F990_P11_S00_L09 Form 990, Part XI, Line 9 The change in deposits is $191,162,626. The change in Other Comprehensive Income is -$1,344,835.