Call reports 2005
CITIZENS UNION BANK OF SHELBYVILLE — 2005
What CITIZENS UNION BANK OF SHELBYVILLE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 499,297,000 | 514,830,000 | 540,656,000 | 568,676,000 |
| Total loans | 415,415,000 | 430,641,000 | 454,177,000 | 465,550,000 |
| Allowance for loan losses | 7,187,000 | 7,250,000 | 7,311,000 | 6,855,000 |
| Securities available for sale | 42,460,000 | 41,910,000 | 39,779,000 | 46,034,000 |
| Securities held to maturity | 2,754,000 | 2,196,000 | 1,434,000 | 1,154,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 329,588,000 | 325,117,000 | 341,884,000 | 362,928,000 |
| Interest-bearing deposits | 267,468,000 | 260,722,000 | 274,110,000 | 300,022,000 |
| Noninterest-bearing deposits | 62,120,000 | 64,395,000 | 67,774,000 | 62,905,000 |
| Equity capital | 56,812,000 | 59,396,000 | 71,353,000 | 73,629,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 7,862,000 | 16,216,000 | 25,402,000 | 35,396,000 |
| Interest expense | 2,789,000 | 5,728,000 | 9,018,000 | 12,626,000 |
| Net interest income | 5,073,000 | 10,488,000 | 16,384,000 | 22,770,000 |
| Noninterest income | 1,018,000 | 2,052,000 | 3,224,000 | 4,319,000 |
| Noninterest expense | 3,496,000 | 7,097,000 | 10,936,000 | 14,925,000 |
| Provision for loan losses | 150,000 | 300,000 | 500,000 | 800,000 |
| Pretax income | 2,541,000 | 5,247,000 | 8,269,000 | 11,475,000 |
| Income tax | 593,000 | 1,206,000 | 1,914,000 | 2,623,000 |
| Net income | 1,948,000 | 4,041,000 | 6,355,000 | 8,852,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,954,000 | 56,062,000 | 68,389,000 | 70,901,000 |
| Total capital | 58,871,000 | 61,183,000 | 73,828,000 | 76,625,000 |
| Risk-weighted assets | 391,103,000 | 407,561,000 | 433,210,000 | 456,610,000 |