Call reports 2006
CITIZENS UNION BANK OF SHELBYVILLE — 2006
What CITIZENS UNION BANK OF SHELBYVILLE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 561,455,000 | 575,640,000 | 570,999,000 | 563,746,000 |
| Total loans | 471,945,000 | 483,258,000 | 469,501,000 | 449,351,000 |
| Allowance for loan losses | 7,146,000 | 7,419,000 | 7,603,000 | 5,521,000 |
| Securities available for sale | 44,408,000 | 45,244,000 | 48,962,000 | 47,310,000 |
| Securities held to maturity | 1,157,000 | 1,086,000 | 886,000 | 889,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 356,466,000 | 365,572,000 | 364,005,000 | 367,923,000 |
| Interest-bearing deposits | 294,828,000 | 301,254,000 | 304,355,000 | 308,977,000 |
| Noninterest-bearing deposits | 61,638,000 | 64,318,000 | 59,650,000 | 58,946,000 |
| Equity capital | 75,610,000 | 77,688,000 | 80,312,000 | 77,232,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 10,170,000 | 20,811,000 | 31,540,000 | 41,870,000 |
| Interest expense | 3,809,000 | 7,904,000 | 12,243,000 | 16,606,000 |
| Net interest income | 6,361,000 | 12,907,000 | 19,297,000 | 25,264,000 |
| Noninterest income | 1,020,000 | 2,349,000 | 3,512,000 | 4,526,000 |
| Noninterest expense | 4,084,000 | 8,305,000 | 12,601,000 | 17,051,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,100,000 |
| Pretax income | 2,994,000 | 6,345,000 | 9,313,000 | 11,652,000 |
| Income tax | 695,000 | 1,508,000 | 2,212,000 | 2,632,000 |
| Net income | 2,299,000 | 4,837,000 | 7,101,000 | 9,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,214,000 | 75,766,000 | 77,609,000 | 74,543,000 |
| Total capital | 78,976,000 | 81,686,000 | 83,392,000 | 80,064,000 |
| Risk-weighted assets | 459,610,000 | 472,082,000 | 460,783,000 | 442,765,000 |