Profit (Loss) Statement of Credit Unions (LTL Thous.).


	2013 Q1	2013 Q2	2013 Q3	2013 Q4	2014 Q1	2014 Q2	2014 Q3	2014 Q4
1. INTEREST INCOME	27,722	54,151	81,093	106,957	21,992	44,132	66,413	88,861
1.1. On balances with banks	295	653	679	927	14	14	19	27
1.2. On balances with foreign banks	-	-	-	-	0	-	-	-
1.2. On balances with the central credit union	648	1,271	1,860	2,433	606	1,045	1,578	1,980
1.1. On balances with other credit unions	-	-	-	-	0	-	-	-
1.5. On balances to credit union members	14,446	28,119	42,158	55,883	11,984	23,887	36,196	48,282
1.6. On balances to associate members of the credit union	7,261	14,045	20,937	27,454	4,034	8,138	12,319	16,721
1.7. On balances to associations of credit unions	-	-	-	-	-	-	-	-
1.8. On securities	5,073	10,063	15,459	20,261	5,353	11,048	16,301	21,851
1.9. On discounted bills	-	-	-	-	-	-	-	-
2. INCOME ON SERVICES AND COMMISSIONS	1,293	3,063	4,873	7,005	1,379	3,369	5,179	7,120
2.1. Transfer, settlement and payment operations	192	433	673	958	219	489	738	1,026
2.2. Crediting liabilities	709	1,823	2,964	4,286	744	1,959	3,033	4,042
2.2. Other	392	807	1,236	1,760	417	921	1,408	2,052
2. OTHER OPERATING INCOME	1,142	2,279	3,979	5,323	737	1,404	2,140	2,847
2.1. Entrance fee	71	139	202	256	68	114	156	208
2.2. Other income	1,071	2,139	3,778	5,067	669	1,290	1,985	2,640
1. REALISED GAINS (LOSSES)	1,891	6,247	6,520	10,235	8,127	19,189	24,268	37,847
1.1. From foreign currency operations	102	194	300	425	72	138	351	397
1.2. From securities operations	1,788	6,053	6,220	9,810	8,055	19,051	23,918	37,450
5. DIVIDENDS RECEIVED FROM THE CENTRAL CREDIT UNION	1	2	3	4	1	-	-	-
6. UNREALISED GAINS (LOSSES)	70	2	302	2,023	1,700	3,807	5,306	11,584
6.1. From foreign currency operations	126	52	16	-65	1	-47	-97	-22
6.2. From securities operations	-56	-50	286	2,088	1,699	3,854	5,403	11,605
TOTAL INCOME	32,118	65,744	96,771	131,546	33,935	71,902	103,307	148,259
7. INTEREST EXPENSES	13,085	25,980	38,853	51,126	9,488	18,459	27,371	35,948
7.1. To banks	6	21	39	68	15	38	88	135
7.2. To foreign banks	-	-	-	0	0	0	0	0
7.2. To central Credit Union	429	877	1,382	1,856	445	916	1,450	1,866
7.1. To other credit unions	-	1	-	-	-	-	-	2,855
7.5. To associations of credit unions	4	7	10	12	1	3	4	5
7.6. To credit union members	12,292	24,341	36,354	47,763	8,750	16,935	24,951	29,883
7.7. To associate members of the credit union	242	468	653	823	120	210	307	423
7.8. To other organizations	112	265	415	604	158	357	570	781
8. EXPENSE ON SERVICES AND COMMISSIONS	970	2,180	3,567	6,063	2,122	6,827	8,871	13,193
8.1. Transfer, settlement and payment operations	398	802	1,197	1,728	490	1,031	1,403	1,930
8.2. Other	572	1,378	2,371	4,335	1,633	5,797	7,468	11,263
9. OTHER OPERATING EXPENSE	2,061	3,902	6,173	11,559	1,666	3,488	5,115	7,567
10. OPERATIONAL EXPENDITURE	10,790	21,993	32,754	45,940	11,243	21,741	32,419	49,072
10.1. STAFF MAINTENANCE COSTS	6,168	12,439	19,104	26,513	6,758	13,765	21,190	30,142
10.1.1. Wages and salaries	4,653	9,387	14,393	19,886	5,069	10,287	15,771	22,398
10.1.2. Social insurance costs	1,500	3,033	4,680	6,532	1,668	3,460	5,392	7,671
10.1.2. Payments to part-time employees	3	4	11	18	11	1	2	9
10.1.1. Other payments	12	15	19	76	10	17	26	64
10.2. GENERAL AND ADMINISTRATIVE EXPENSE	4,622	9,555	13,650	19,427	4,485	7,976	11,229	18,930
10.2.1. Expense on advertising and marketing	1,548	2,509	2,997	3,676	522	983	1,308	2,036
10.2.2. Expense on use of office equipment	213	346	564	829	175	508	843	1,267
10.2.2. Expense on lease	400	810	1,112	1,510	381	732	1,096	1,538
10.2.1. Other expense	2,461	5,890	8,977	13,413	3,408	5,753	7,982	14,089
11. AMORTISATION AND DEPRECIATION	667	1,341	2,039	2,796	524	1,098	1,645	2,300
11.1. Amortisation of tangible fixed assets	635	1,278	1,944	2,668	492	1,036	1,554	2,122
11.2. Depreciation of intangible fixed assets	32	63	96	129	32	63	91	177
12. VALUE IMPAIRMENT	16,317	17,669	27,483	52,865	9,006	13,076	17,503	35,681
12.1. Loans	13,093	17,177	26,399	51,065	8,442	13,390	17,732	35,807
12.2. Other assets	3,225	492	1,083	1,800	563	-315	-230	-126
12. EXPENSE FOR PROVISIONS	5	-	0	0	3	1	1	6
12.1. For off-balance sheet items	-	-	0	0	3	1	1	6
TOTAL EXPENSES	43,895	73,065	110,870	170,348	34,053	64,690	92,925	143,767
11. TAXES	13	29	43	622	10	28	32	2,345
11.1. Taxes to the budget	13	27	41	699	10	27	32	1,881
11.2. Other payments from profit	0	2	2	-77	0	0	0	464
GAINS (LOSSES)	-11,790	-7,349	-14,142	-39,424	-128	7,184	10,349	2,147

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