Call reports 2010
CITIZENS UNION BANK OF SHELBYVILLE — 2010
What CITIZENS UNION BANK OF SHELBYVILLE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 694,884,000 | 687,098,000 | 671,564,000 | 628,498,000 |
| Total loans | 501,488,000 | 491,360,000 | 474,170,000 | 443,858,000 |
| Allowance for loan losses | 7,785,000 | 10,016,000 | 10,514,000 | 8,349,000 |
| Securities available for sale | 47,316,000 | 59,476,000 | 51,809,000 | 47,904,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 573,932,000 | 565,360,000 | 549,119,000 | 524,142,000 |
| Interest-bearing deposits | 505,662,000 | 494,916,000 | 480,154,000 | 452,158,000 |
| Noninterest-bearing deposits | 68,270,000 | 70,444,000 | 68,965,000 | 71,984,000 |
| Equity capital | 61,912,000 | 66,162,000 | 68,710,000 | 54,116,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 7,883,000 | 15,713,000 | 23,335,000 | 30,573,000 |
| Interest expense | 3,400,000 | 6,408,000 | 9,228,000 | 11,959,000 |
| Net interest income | 4,483,000 | 9,305,000 | 14,107,000 | 18,614,000 |
| Noninterest income | 1,213,000 | 2,726,000 | 4,341,000 | 6,025,000 |
| Noninterest expense | 6,318,000 | 12,481,000 | 18,842,000 | 26,295,000 |
| Provision for loan losses | 750,000 | 4,700,000 | 6,700,000 | 13,280,000 |
| Pretax income | -884,000 | -4,647,000 | -6,557,000 | -14,318,000 |
| Income tax | -654,000 | -2,293,000 | -3,314,000 | 2,802,000 |
| Net income | -230,000 | -2,354,000 | -3,243,000 | -17,120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,168,000 | 58,555,000 | 60,042,000 | 51,977,000 |
| Total capital | 63,026,000 | 65,395,000 | 66,714,000 | 58,138,000 |
| Risk-weighted assets | 549,243,000 | 546,068,000 | 529,898,000 | 490,739,000 |