Call reports 2007
CITIZENS UNION BANK OF SHELBYVILLE — 2007
What CITIZENS UNION BANK OF SHELBYVILLE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 559,038,000 | 740,294,000 | 585,068,000 | 764,261,000 |
| Total loans | 436,539,000 | 450,920,000 | 445,489,000 | 442,752,000 |
| Allowance for loan losses | 5,822,000 | 6,246,000 | 6,150,000 | 4,340,000 |
| Securities available for sale | 52,484,000 | 63,041,000 | 64,665,000 | 67,742,000 |
| Securities held to maturity | 413,000 | 100,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 368,400,000 | 565,914,000 | 408,928,000 | 595,838,000 |
| Interest-bearing deposits | 307,452,000 | 332,974,000 | 345,446,000 | 338,992,000 |
| Noninterest-bearing deposits | 60,948,000 | 232,940,000 | 63,482,000 | 256,846,000 |
| Equity capital | 78,992,000 | 80,121,000 | 82,113,000 | 77,670,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 10,214,000 | 20,436,000 | 30,696,000 | 40,823,000 |
| Interest expense | 4,366,000 | 8,731,000 | 13,241,000 | 17,894,000 |
| Net interest income | 5,848,000 | 11,705,000 | 17,455,000 | 22,929,000 |
| Noninterest income | 1,015,000 | 2,100,000 | 3,267,000 | 4,422,000 |
| Noninterest expense | 4,607,000 | 9,539,000 | 14,851,000 | 19,812,000 |
| Provision for loan losses | 300,000 | 601,000 | 900,000 | 1,200,000 |
| Pretax income | 1,985,000 | 3,716,000 | 5,110,000 | 6,528,000 |
| Income tax | 351,000 | 602,000 | 733,000 | 838,000 |
| Net income | 1,634,000 | 3,114,000 | 4,377,000 | 5,690,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,189,000 | 76,616,000 | 77,943,000 | 73,183,000 |
| Total capital | 81,570,000 | 82,365,000 | 83,701,000 | 77,523,000 |
| Risk-weighted assets | 430,108,000 | 490,244,000 | 459,475,000 | 491,292,000 |