JPS & Partners 2017 Annual Report

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Treasurer’s Report Continued 5 YEAR COMPARATIVE FINANCIAL SUMMARY 2017 2016 2015 2014 2013 INCOME STATEMENT $M $M $M $M $M Interest Income 414.58 399.49 396.65 390.74 314.02 Interest Expense 119.73 125.05 133.71 135.13 108.44 Net Interest Income 294.84 274.44 262.94 255.61 205.58 Increase in Prov. For Loan Loss 4.76 12.11 12.13 14.83 14.19 Net Interest Income after Provision 290.08 262.32 250.81 240.78 191.38 Non - Interest Income 44.18 41.47 36.2 32.71 30.83 Gross Margin 334.26 303.78 287.01 273.49 222.21 Operating Expense 292.30 273.17 245.65 231.68 191.74 Net Surplus 41.96 30.61 41.36 41.82 30.47 BALANCE SHEET $M $M $M $M $M Total Assets 4,223.63 4,110.37 3,700.35 3,675.19 3,703.51 Members' Voluntary Shares 1,247.13 1,208.67 947.58 893.73 831.1 Permanent Shares 74.74 74.14 70.48 70.12 60.03 Loans to Members 2,655.58 2,445.36 2,071.42 1,957.32 1,905.40 Members' Savings Deposits 1,964.17 1,915.27 1,858.46 1,901.55 2,005.02 Financial Investments & Liquid Assets 1,227.39 1,364.51 1,387.11 1,429.78 1,467.08 Institutional Capital 681.16 672.77 600.29 592.01 578.64 Pushing you Beyond All Limits! 34 JPS & Partners Co-operative Credit Union
Treasurer’s Report Continued INCOME & EXPENDITURE Pushing you Beyond All Limits! 35 JPS & Partners Co-operative Credit Union
Page 2 and 3: Our Vision To be our members’ pre
Page 4 and 5: Table of Contents NOTICE OF MEETING
Page 6 and 7: Progress Report 2008-2017 YEARS MEM
Page 8 and 9: Minutes of the 62nd AGM (Continued)
Page 10 and 11: Minutes of the 62nd AGM Continued B
Page 20 and 21: Pictorial Highlights Scholarship Lu
Page 22 and 23: Our Directors Alicia Burnett Assist
Page 24 and 25: Board of Directors Report (Continue
Page 32 and 33: Treasurer’s Report I take pleasur
Page 34 and 35: Treasurer’s Report Continued 26.0
Page 38 and 39: Treasurer’s Report Continued What
Page 40 and 41: Our Team Members : Half-Way Tree Ro
Page 42 and 43: Our Team Members : Ewarton Janet Ru
Page 44 and 45: Meet Our Location Representatives (
Page 46: Financial Statements as at December
Page 52 and 53: Statement of Comprehensive Income F
Page 54 and 55: Statement of Changes in Equity For
Page 56 and 57: Statement of Changes in Equity For
Page 58 and 59: Statement of Cash Flows For the yea
Page 60 and 61: Notes to the Financial Statements F
Page 86 and 87:
Notes to the Financial Statements F
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Supervisory Committee Report Corine
Page 102 and 103:
Credit Committee Report Diedre Codn
Page 104 and 105:
League Delegates Report Natalie Spa
Page 106 and 107:
League Delegates Report (Continued)
Page 108 and 109:
Nominating Committee Report (Contin
Page 110 and 111:
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Page 114 and 115:
Notes Pushing you Beyond All Limits
Page 116:
Editorial Team: Joydene Jarrett, Na
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JPS & Partners 2017 Annual Report

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