Call reports 2009
CITIZENS UNION BANK OF SHELBYVILLE — 2009
What CITIZENS UNION BANK OF SHELBYVILLE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 634,107,000 | 653,141,000 | 689,115,000 | 714,326,000 |
| Total loans | 482,075,000 | 502,566,000 | 516,891,000 | 513,191,000 |
| Allowance for loan losses | 5,002,000 | 6,711,000 | 8,715,000 | 7,999,000 |
| Securities available for sale | 70,352,000 | 70,546,000 | 62,482,000 | 56,801,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 462,663,000 | 483,076,000 | 530,817,000 | 569,599,000 |
| Interest-bearing deposits | 398,539,000 | 415,220,000 | 464,906,000 | 496,135,000 |
| Noninterest-bearing deposits | 64,124,000 | 67,856,000 | 65,910,000 | 73,464,000 |
| Equity capital | 67,475,000 | 66,094,000 | 65,205,000 | 55,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,123,000 | 16,789,000 | 25,451,000 | 33,452,000 |
| Interest expense | 3,411,000 | 6,885,000 | 10,457,000 | 14,154,000 |
| Net interest income | 4,712,000 | 9,904,000 | 14,994,000 | 19,298,000 |
| Noninterest income | 1,487,000 | 3,070,000 | 4,145,000 | 5,486,000 |
| Noninterest expense | 5,624,000 | 11,862,000 | 17,827,000 | 30,463,000 |
| Provision for loan losses | 300,000 | 2,800,000 | 6,000,000 | 12,600,000 |
| Pretax income | 860,000 | -990,000 | -3,823,000 | -16,740,000 |
| Income tax | -57,000 | -1,049,000 | -2,376,000 | -6,382,000 |
| Net income | 917,000 | 59,000 | -1,447,000 | -10,358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,995,000 | 61,182,000 | 56,715,000 | 50,137,000 |
| Total capital | 66,997,000 | 67,893,000 | 63,733,000 | 57,159,000 |
| Risk-weighted assets | 519,686,000 | 542,721,000 | 559,718,000 | 560,204,000 |