Call reports 2008
CITIZENS UNION BANK OF SHELBYVILLE — 2008
What CITIZENS UNION BANK OF SHELBYVILLE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 579,178,000 | 579,621,000 | 595,124,000 | 817,286,000 |
| Total loans | 442,131,000 | 445,582,000 | 456,483,000 | 476,124,000 |
| Allowance for loan losses | 4,447,000 | 4,187,000 | 5,310,000 | 6,961,000 |
| Securities available for sale | 82,654,000 | 79,442,000 | 68,185,000 | 80,981,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 372,349,000 | 376,728,000 | 406,629,000 | 635,692,000 |
| Interest-bearing deposits | 301,794,000 | 304,595,000 | 340,789,000 | 405,736,000 |
| Noninterest-bearing deposits | 70,555,000 | 72,133,000 | 65,839,000 | 229,955,000 |
| Equity capital | 74,021,000 | 73,288,000 | 73,424,000 | 66,228,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 9,027,000 | 17,565,000 | 26,364,000 | 34,740,000 |
| Interest expense | 4,142,000 | 7,749,000 | 11,277,000 | 14,848,000 |
| Net interest income | 4,885,000 | 9,816,000 | 15,087,000 | 19,892,000 |
| Noninterest income | 1,309,000 | 2,357,000 | 3,742,000 | 5,186,000 |
| Noninterest expense | 5,409,000 | 10,904,000 | 16,582,000 | 21,788,000 |
| Provision for loan losses | 300,000 | 600,000 | 2,154,000 | 4,854,000 |
| Pretax income | 566,000 | 759,000 | 202,000 | -2,351,000 |
| Income tax | -231,000 | -552,000 | -975,000 | -1,654,000 |
| Net income | 797,000 | 1,311,000 | 1,177,000 | -697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,955,000 | 69,531,000 | 69,446,000 | 61,030,000 |
| Total capital | 73,402,000 | 73,718,000 | 74,756,000 | 67,813,000 |
| Risk-weighted assets | 463,867,000 | 463,815,000 | 481,750,000 | 579,341,000 |