PACIFIC TRANSPORTATION FEDERAL CREDIT UNION
STATEMENT OF FINANCIAL CONDITION
As of November 30, 2011
	ASSETS:		Ref		Current Month		Prior Month		Prior Year
	Cash on Hand		739		584,884		621,907		510,150
	Cash on Deposit		740		5,443,605		5,027,486		9,210,070
	Loans:
	New Car				2,292,538		2,309,236		3,378,647
	Used Car				2,335,163		2,424,880		2,983,008
	Secured Consumer - Other				119,220		126,324		179,503
	Share Secured				36,881		40,699		68,976
	Consumer - Unsecured				2,150,415		2,200,845		2,563,751
	Real Estate 1st T.D.				18,560,295		18,781,850		21,153,961
	Real Estate 2nd T.D.				2,626,340		2,666,735		3,373,406
	HELOC's				4,019,214		4,109,445		4,603,153
	Master Card				1,550,310		1,554,173		1,767,143
	FASB 91 Accrual				74,943		77,113		79,506
	Total Loans		701		33,765,320		34,291,299		40,151,054
	Less: Allow. For Loan Losses		719		(2,490,720)		(2,399,215)		(3,869,966)
	Net Loans				31,274,600		31,892,084		36,281,088
	Investments:
	Gov't & Agency Securities (AFS)				1,920,604		2,171,106		1,014,375
	Mortgage Backed Securities (AFS)				13,898,358		14,216,718		11,289,520
	Total AFS Investments				15,818,962		16,387,824		12,303,895
	Non - Negotiable Certificates (HTM)				1,798,000		1,948,000		650,000
	Negotiable Certificates (HTM)				500,000		500,000		100,000
	Total HTM Investments				2,298,000		2,448,000		750,000
	Total Investments		730		18,116,962		18,835,824		13,053,895
	Furniture &  Equipment (net)		770		2,556,229		2,575,378		2,723,638
	Land		771		3,200,000		3,200,000		3,200,000
	Building (net)		772		2,236,111		2,243,055		2,319,444
	NCUSIF Deposits		794		546,373		546,373		573,946
	Other Real Estate Owned		798		0		0		0
	Other Assets		799		650,303		480,907		748,754
	TOTAL ASSETS				64,609,069		65,423,015		68,620,985
	LIABILITIES AND CAPITAL:
	Shares
	Regular/IRA Shares				12,243,682		12,521,128		12,859,916
	Checking				4,776,638		4,861,783		4,796,868
	Money Market				11,128,415		11,146,006		12,693,745
	Share Certificates				24,735,206		24,780,196		26,717,470
	Total Shares		901		52,883,942		53,309,113		57,067,999
	Borrowed Funds		811		0		0		0
	Other Liabilities		801		315,060		555,280		125,645
	Capital:
	Regular Reserves		931		1,463,161		1,463,161		1,463,161
	Undivided Earnings		940		9,607,636		9,607,636		11,501,989
	Appropriated Undivided Earnings				0		0		0
	Mark to Market Equity Account:		945		188,691		210,140		131,317
	Net Income-Current Month		998		150,580		277,686		(1,669,126)
	Total Capital:				11,410,067		11,558,622		11,427,341
	Total Capital & Liabilities:				64,609,069		65,423,015		68,620,985
	"We certify, to the best of our knowledge and belief, this statement and all related statements present fairly the financial postion of the credit union
	and the results of operations for the period covered."