재무상태표<강서신용협동조합 2025 결산공시

II. 재무 및 손익에 관한 사항

5. 재무상태표

(단위: 원)

재무상태표를 계정과목, 월말잔액, 평균잔액, 기증잔액, 전기에 따라 설명한 표입니다.
계정과목	월말잔액	평균잔액	기중평잔	전기
자산	572,304,701,758	562,016,523,814	562,624,970,436	544,790,289,509
현금및예치금	118,635,189,450	108,345,483,346	82,846,991,369	63,970,237,786
현금	705,986,750	733,339,966	863,266,581	597,573,890
외국통화	0	0	0	0
예치금	117,929,202,700	107,612,143,380	81,983,724,788	63,372,663,896
상환준비금	44,073,101,462	44,306,972,429	43,573,685,023	41,746,101,462
대내예치금	7,474,316,087	7,119,530,676	9,533,147,134	11,625,800,502
대외예치금	66,381,785,151	56,185,640,275	28,876,892,631	10,000,761,932
내부예치금	0	0	0	0
유가증권	68,756,151,721	68,681,931,353	55,742,468,341	57,826,948,028
단기매매증권	48,519,117,263	48,371,807,686	41,180,581,693	41,184,311,524
단기매매수익증권	12,370,371,270	11,153,982,052	7,890,304,061	6,213,435,745
단기매매국공채	11,263,218,924	11,663,550,295	3,113,955,099	0
단기매매회사채	0	0	273,863,582	1,999,204,153
단기매매주식	0	0	0	0
단기매매기타유가증권	0	0	0	0
단기매매대내실적상품	24,885,527,069	25,554,275,339	29,902,458,951	32,971,671,626
매도가능증권	20,237,034,458	20,310,123,667	14,008,376,131	12,642,131,030
매도가능수익증권	0	0	0	0
매도가능국공채	0	0	0	0
매도가능회사채	0	0	0	0
매도가능주식	0	0	0	0
매도가능기타유가증권	0	0	0	0
매도가능대내실적상품	20,237,034,458	20,310,123,667	14,008,376,131	12,642,131,030
만기보유증권	0	0	553,510,517	4,000,505,474
만기보유국공채	0	0	0	0
만기보유회사채	0	0	553,510,517	4,000,505,474
만기보유기타유가증권	0	0	0	0
대출채권	352,247,991,356	354,191,529,566	393,459,795,593	392,193,129,294
일반대출금	363,515,029,052	363,847,907,133	411,681,790,609	413,680,445,258
보통대출금	173,528,110,247	173,497,370,973	180,719,266,462	158,931,533,520
일일상환대출금	0	0	0	0
한도거래약정대출금	124,825,726,694	125,574,098,106	176,730,416,497	209,141,893,453
주택자금대출금	8,013,489,000	7,592,690,767	7,049,676,549	6,166,864,400
시설자금대출금	0	0	0	0
임차보증금담보대출금	17,674,760,000	17,250,428,709	7,805,937,945	2,850,000,000
한아름연계대출금	7,500,000,000	7,500,000,000	7,500,000,000	7,500,000,000
꿈모아모기지론	31,972,307,058	32,432,682,525	31,874,214,254	29,082,175,042
신협 815해방대출금	636,053	636,053	2,278,902	7,978,843
정책자금대출금	151,528,227	158,793,646	232,437,936	281,990,000
소상공인지원대출금	0	0	0	0
보증부서민대출금	151,528,227	158,793,646	232,437,936	281,990,000
지자체협약대출금	0	0	0	0
협동조합특례보증대출금	0	0	0	0
적금관계대출금	135,080,000	68,841,290	94,601,671	61,800,000
적금대출금	0	0	0	0
하나더적금대출금	0	0	0	0
적금담보대출금	135,080,000	68,841,290	94,601,671	61,800,000
재형저축담보대출금	0	0	0	0
예탁금대월	1,378,984,370	1,356,815,087	1,127,927,866	1,027,422,086
자립예탁금대월	1,294,868,029	1,274,766,593	1,083,005,662	1,008,359,187
알찬자유예탁금대월	0	0	0	0
기업자유예탁금대월	0	0	0	0
플러스직장인예탁금대월	0	0	0	0
불어나예탁금대월	84,116,341	82,048,494	44,922,204	19,062,899
사장님더드림예탁금대월	0	0	0	0
상업어음할인	0	0	0	0
범위내대출금	924,980,000	975,801,576	889,489,797	1,101,532,344
예탁금범위내대출금	924,980,000	975,801,576	889,489,797	1,101,532,344
출자금범위내대출금	0	0	0	0
기타대출금	391,404,968	391,683,434	375,642,333	347,316,441
주택자금대출	131,404,968	131,683,434	121,286,169	107,316,441
기타지원대출금	260,000,000	260,000,000	254,356,164	240,000,000
내부대여금	0	0	0	0
공제대출금	0	0	0	0
기타대출채권	0	0	0	0
제대출금대손충당금	-14,249,015,261	-12,608,312,600	-20,942,094,619	-24,307,376,835
유형자산	22,461,216,072	22,577,027,519	22,263,865,234	21,019,610,717
유형자산감가상각누계액	-1,690,094,478	-1,477,395,933	-1,470,908,142	-1,470,305,983
토지	16,058,590,430	16,058,590,430	16,058,590,430	16,058,590,430
건물	7,508,606,280	7,413,848,215	5,471,289,809	4,051,920,510
건물감가상각누계액	-1,158,517,009	-977,267,410	-971,738,883	-971,225,757
구축물	0	0	0	0
구축물감가상각누계액	0	0	0	0
임차점포시설물	225,231,130	225,231,130	225,231,130	225,231,130
임차점포시설감가상각누계액	-222,375,446	-218,233,001	-218,106,647	-218,094,920
비품및집기	358,882,710	356,753,677	338,427,724	293,167,630
비품및집기감가상각누계액	-309,202,023	-281,895,522	-281,062,612	-280,985,306
차량운반구	0	0	0	0
차량운반구감가상각누계액	0	0	0	0
기계장치	0	0	0	0
기계장치감가상각누계액	0	0	0	0
건설중인자산	0	0	1,641,234,283	1,861,007,000
기 타	0	0	0	0
기타감가상각누계액	0	0	0	0
기타자산	10,204,153,159	8,220,552,030	8,311,849,899	9,780,363,684
투자자산	1,898,031,572	1,887,924,153	1,869,639,077	1,792,734,930
중앙회출자금	1,662,939,897	1,662,939,897	1,650,645,082	1,584,209,946
중앙회제기금	0	0	0	0
경제사업기금	0	0	0	0
퇴직연금투자자산	14,055,747	4,806,058	4,523,922	4,497,736
기타투자자산	221,035,928	220,178,198	214,470,073	204,027,248
무형자산	0	94,758,064	115,568,493	117,500,000
영업권	0	0	0	0
개발비	0	0	0	0
기타무형자산	0	94,758,064	115,568,493	117,500,000
비업무용자산	5,584,205,869	5,535,574,377	5,317,076,656	4,860,190,271
미수이자	1,875,841,412	87,309,333	22,296,411	1,581,135,572
예치금미수이자	906,208,931	29,232,546	2,482,764	379,507,554
유가증권미수이자	299,187,076	36,449,516	17,976,811	314,509,781
대출금미수이자	670,445,405	21,627,271	1,836,836	887,118,237
미수판매보수	0	0	0	0
미수금	722,817	619,591	1,046,761	0
미수금대손충당금	-7,228	-233	-19	0
미수금현재가치할인차금	0	0	0	0
미수채권	0	33,920,332	458,076,941	260,338,260
미회수환채권	0	33,920,332	458,076,941	260,338,260
자점권수납자금	0	0	0	0
가지급금	178,764,726	244,759,196	232,013,929	185,275,609
가지급금대손충당금	-48,049,190	-86,486,122	-87,658,537	-87,767,354
소송비용	178,764,726	178,826,466	209,595,529	185,275,609
소송비용대손충당금	-48,049,190	-86,486,122	-87,658,537	-87,767,354
사고금	0	0	0	0
사고금대손충당금	0	0	0	0
기타가지급금	0	65,932,730	22,418,400	0
기타가지급금대손충당금	0	0	0	0
화폐수송	0	7,758,064	9,181,986	0
선급비용	632,170,605	20,392,600	1,731,974	639,506,806
선급금	22,270,936	129,708,947	118,442,915	80,360,980
체크카드선급금	0	73,430,065	29,015,015	0
내부대여금	0	0	0	0
공탁금	0	0	0	0
보증금	145,000	145,000	21,662,808	66,145,000
전신전화가입권	0	0	0	0
임차보증금	0	0	21,517,808	66,000,000
기타보증금	145,000	145,000	145,000	145,000
선급법인세	0	171,353,346	100,549,967	0
선급지방소득세	0	17,135,247	10,054,949	0
환급법인세	52,645,260	1,698,234	76,081,904	259,039,720
환급지방소득세	7,342,450	236,853	10,807,489	25,903,890
선급출연금	0	0	0	0
선급부가가치세	68,930	61,188	26,499	0
용도품	0	0	0	0
집합투자증권	0	0	0	0
자금수수	0	0	0	0
상품권카드판매미수금	0	0	0	0
상품권카드판매미수금대손충당금	0	0	0	0
상품권미수금	0	253,795	6,234,681	0
상품권미수금대손충당금	0	0	0	0
이연법인세자산	0	0	0	0
기 타	0	0	0	0
매출채권	0	0	0	0
매출채권	0	0	0	0
재고상품	0	0	0	0
재고상품	0	0	0	0
상품	0	0	0	0
원재료	0	0	0	0
기타재고상품	0	0	0	0
부채	561,844,283,131	544,376,449,055	546,890,003,220	532,518,422,281
예수부채	534,765,514,462	541,299,736,134	544,688,989,194	520,377,469,174
요구불예수금	41,320,684,044	40,392,412,741	36,316,421,344	30,931,495,004
보통예탁금	7,012,315,905	5,699,128,069	6,192,528,098	6,633,263,853
자립예탁금	13,934,587,090	14,061,716,831	13,735,980,861	12,420,509,377
자유저축예탁금	315,866	283,227	1,052,613	1,065,165
알찬자유예탁금	17,092,822,782	17,281,685,779	13,738,879,436	10,207,872,832
기업자유예탁금	0	0	0	0
플러스직장인예탁금	0	0	0	0
불어나예탁금	855,471,160	858,647,146	824,747,068	772,231,636
사장님더드림예탁금	0	0	0	0
드리밍박스예탁금	815,462,063	865,611,433	853,169,414	689,045,170
모아모아통장	1,609,709,178	1,625,340,256	970,063,854	207,506,971
기한부예금	493,391,328,846	500,853,821,821	508,319,066,278	489,392,472,598
정기예탁금	339,314,761,301	344,129,886,620	347,545,535,897	326,929,191,683
한아름정기예탁금	289,715,029	296,489,222	493,282,860	1,184,639,964
OK회전예탁금	0	0	0	0
파워정기예탁금	1,068,222,245	1,005,254,503	641,181,350	398,927,202
선드림정기예탁금	0	0	0	0
신협 사회적예탁금	0	0	0	0
어부바효예탁금	0	0	23,484,931	52,500,000
유니온정기예탁금	131,125,566,157	133,274,502,363	136,870,415,054	133,132,048,905
정기적금	10,969,848,906	11,197,273,060	10,716,412,449	11,409,784,846
하나더적금	0	0	0	0
자유적립적금	344,841,882	365,018,241	388,690,670	465,547,871
매일적금	0	0	0	0
장학적금	0	0	0	0
근로자우대저축	0	0	0	0
가계장기저축	0	0	0	0
장기주택마련저축	0	0	0	0
평생행복적금	0	0	0	0
직장인행복적금	0	0	0	0
행복자유적금	0	0	0	0
재형저축	0	0	0	0
e파란적금	3,784,634,538	3,993,465,758	4,296,258,244	6,209,633,270
테트리스적금	0	0	0	0
레이디4U적금	126,020,000	125,241,935	151,580,798	232,760,377
유니온정기적금	6,046,727,646	6,167,509,177	6,617,182,509	8,693,852,644
유니온자유적립적금	148,741,142	143,318,039	391,427,489	504,275,836
연계형적금	172,250,000	155,862,903	183,614,027	179,310,000
기타예금	53,501,572	53,501,572	53,501,572	53,501,572
별단예탁금	53,501,572	53,501,572	53,501,572	53,501,572
차입부채	15,000,000,000	483,870,967	45,205,479	0
상호금융자금차입금	15,000,000,000	483,870,967	45,205,479	0
차입금현재가치할인차금	0	0	0	0
대외기관차입금	0	0	0	0
정책자금차입금	0	0	0	0
내부차입금	0	0	0	0
후순위차입금	0	0	0	0
후순위차입금(개인)	0	0	0	0
후순위차입금(법인)	0	0	0	0
기타부채	12,078,768,669	2,592,841,954	2,155,808,547	12,140,953,107
미지급이자	9,198,337,593	296,720,567	25,200,924	10,180,124,588
예수부채미지급이자	9,196,849,922	296,672,578	25,196,849	10,180,124,588
차입부채미지급이자	1,487,671	47,989	4,075	0
신협 사회적예탁금 미지급금	0	0	0	0
미지급금	544,635,000	17,568,870	1,669,333	1,489,423
미지급금현재가치할인차금	0	0	0	0
가수금	31,677,275	64,182,267	45,541,934	43,970,129
선수수익	231,498,243	7,467,685	634,241	439,003,396
선수금	0	0	11,360,958	0
미사용약정충당금	17,964,404	586,908,319	604,262,408	605,873,117
퇴직급여충당부채	459,255,297	343,126,264	339,584,064	339,255,297
퇴직연금미지급금	0	0	0	0
퇴직보험예치금	0	0	0	0
국민연금전환금	0	0	0	0
퇴직연금운용자산	-459,255,297	-350,925,052	-340,246,426	-339,255,297
연차수당충당부채	111,433,297	104,925,375	104,726,869	104,708,445
임대보증금	557,500,000	553,661,290	396,134,246	235,000,000
수입보증금	0	0	179,178	200,000
라이프온충당부채	0	0	0	0
예수금	1,292,952,253	888,238,014	868,557,747	455,336,768
국고대리점	8,212,000	4,645,420	19,055,662	0
미지급환채무	909,873,452	530,025,672	390,437,222	0
지로예수금	5,775,261	21,457,774	23,653,155	4,655,288
제세예수금	174,575,137	120,326,591	123,615,211	181,644,055
지방세예수금	0	0	0	0
수납공제료예수금	0	0	0	0
지급공제금예수금	0	0	0	0
예금보험료예수금	0	0	0	0
법인세예수금	0	0	0	0
기타예수금	7,881,403	7,570,052	7,582,557	10,362,925
수표발행자금	0	0	0	0
유가증권청약증거금	0	0	0	0
예수보증료	0	0	8,999	0
투자자예수금	0	0	0	0
환매수수료예수금	0	0	0	0
가상계좌예수금	0	0	0	0
상품권판매예수금	184,585,000	202,559,032	302,573,726	257,320,000
상품권수납예수금	0	0	0	0
전자수입인지판매예수금	2,020,000	1,582,254	1,607,958	1,354,500
현금IC예수금	0	0	62	0
펌뱅킹대행예수금	0	0	0	0
환예수금	30,000	71,219	23,195	0
라이프온예수금	0	0	0	0
미환급출자금	61,605,644	51,654,384	77,752,936	57,384,954
미지급배당금	6,310,131	7,081,001	7,814,278	9,272,624
미지급법인세	0	0	0	0
미지급지방소득세	0	0	0	0
예수부가가치세	24,854,829	22,232,970	12,635,857	8,589,663
이연법인세부채	0	0	0	0
타회계자금	0	0	0	0
매출채권대손충당금	0	0	0	0
자금수수	0	0	0	0
기 타	0	0	0	0
매입채무	0	0	0	0
매입채무	0	0	0	0
자본	10,460,418,627	17,640,074,759	15,734,967,216	12,271,867,228
자본금	18,752,219,347	18,117,563,508	16,880,750,286	21,569,659,912
출자금	1,476,328,307	1,501,328,219	1,682,077,652	2,092,895,131
(신)출자금	17,275,891,040	16,616,235,289	15,198,672,634	19,476,764,781
자본금	0	0	0	0
자본잉여금	0	0	0	0
재평가적립금	0	0	0	0
기타자본잉여금	0	0	0	0
이익잉여금	-8,396,998,682	-655,775,920	-1,330,591,094	-9,489,735,820
법정적립금	0	0	192,253,898	1,754,316,823
특별적립금	0	0	340,463,531	3,106,729,722
임의적립금	0	0	395,193,843	3,606,143,827
사업준비금	0	0	197,596,922	1,803,071,914
배당준비금	0	0	197,596,921	1,803,071,913
기타임의적립금	0	0	0	0
이월이익잉여금(이월결손금)	0	0	0	0
미처분이익잉여금(미처리결손금)	-8,396,998,682	-655,775,920	-2,258,502,366	-17,956,926,192
당기순이익(당기순손실)	1,092,737,138	8,833,959,900	8,159,144,727	-18,264,817,347
기 타	0	0	0	0
기타포괄손익누계액	105,197,962	178,287,171	184,808,024	191,943,136
매도가능증권평가이익	105,197,962	178,287,171	184,808,024	191,943,136
매도가능증권평가손실	0	0	0	0
만기보유증권평가이익	0	0	0	0
만기보유증권평가손실	0	0	0	0
국고보조금	0	0	0	0
재평가잉여금	0	0	0	0