Documente Academic
Documente Profesional
Documente Cultură
2017
ASSETS
Current Assets
Cash and Cash Equivalents 9,604,471
Loans and other Receivables 119,406,976
Other Current Assets 636,353
Total Current Assets 129,647,800
Non-Current Assets
Long term Investments 13,704,689
Real and Other Properties Acquired 1,605,028
Property and Equipment 9,720,165
Other Non-Current Assets 2,086,187
Total Non-Current Assets 27,116,069
TOTAL ASSETS 156,763,869
Non-Current Liabilities
Other Non-Current Liabilities 2,182,453
Loans Payable- Noncurrent Portion 13,873,751
Total Non-Current Liabilities 16,056,204
Members Equity
Paid-up Capital - Preferred 116,700
Paid-up Capital - Common 25,962,600
Donations and Grants 30,000
Statutory Funds 5,767,061
Total Members' Equity 31,876,361
TOTAL LIABILITIES AND MEMEBERS' EQUITY 156,763,869
COOPERATIVE
IAL CONDITION
HORIZONTAL VERTICAL
2016 2017 2017 2016
9,709,251 -1% 6% 7%
106,254,154 12% 76% 74%
423,522 50% 0% 0%
116,386,927 11% 83% 81%
13,443,731 2% 9% 9%
1,605,028 0% 1% 1%
9,928,065 -2% 6% 7%
2,081,650 0% 1% 1%
27,058,474 0% 17% 19%
143,445,401 9% 100% 100%
2,754,701 -21% 1% 2%
15,833,333 -12% 9% 11%
18,588,034 -14% 10% 13%
99,000 18% 0% 0%
24,533,800 6% 17% 17%
30,000 0% 0% 0%
5,479,388 5% 4% 4%
30,142,188 6% 20% 21%
143,445,401 9% 100% 100%
MALOLOS CREDIT AND DEVELOPMENT COOPERATIVE
CONSOLIDATED STATEMENTS OF OPERATIONS
2017 2016
Revenues
Income from Lending Activities 22,907,682 20,112,343
Income from Investing Activities 547,347 502,144
Miscellaneous Income 1,239,319 1,261,246
24,694,348 21,875,733
Operating Expenses
Financial Costs 6,570,891 4,155,486
Administrative Expenses 14,939,137 14,759,572
Democratic Governance Costs 459,759 370,582
21,969,787 19,285,640
5% 11% 12%
MALOLOS CREDIT AND DEVELOPMENT COOPERATIVE
CONSOLIDATED STATEMENTS OF CHANGES IN MEMBER'S EQUITY
HORIZONTAL
2017 2016 2017
PAID-UP CAPITAL
Preferred- P100 par value
Authorized - 10,000 shares
Issued and Outstanding 116,700 99,000 18%
STATUTORY FUNDS
General Researve Fund 2,732,984 2,460,528 11%
Education and Traing Fund 101,548 166,775 -39%
Community Development Fun 1,113,920 1,224,196 -9%
Optional Fund 1,818,609 1,627,889 12%
5,767,061 5,479,388 5%
31,876,361 30,142,188 6%
VERTICAL
2017 2016
MALOLOS CREDIT AND DEVELOPMENT COOPERATIVE
CONSOLIDATED STATEMENTS OF CHANGES IN MEMBER'S EQUITY
2017 2016
CASH FLOW FROM OPERATING ACTIVITIES
Net Surplus 2,724,561 2,590,093
Adjusments for:
Provision For Probable Losses on loan 964,210 1,501,407
Depreciation and Amortization 630,151 491,475
Operating income before working capital changes 4,318,922 4,582,975
Increase in:
Loans and Other Receivables -13,152,822 -19,792,208
Other Current Assets -212,831 -70,108
Increase (Decrease) in:
Deposit Liabilities 14,568,549 17,407,744
Other Current Liabilities -3,323,835 -1,540,717
Net Cash Generated from Operations 2,197,983 587,686
5% 1.24 4.41