Call reports 2011
CITIZENS UNION BANK OF SHELBYVILLE — 2011
What CITIZENS UNION BANK OF SHELBYVILLE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 611,117,000 | 594,108,000 | 601,973,000 | 595,190,000 |
| Total loans | 427,642,000 | 419,723,000 | 421,063,000 | 396,949,000 |
| Allowance for loan losses | 9,284,000 | 9,579,000 | 9,482,000 | 8,433,000 |
| Securities available for sale | 46,959,000 | 54,862,000 | 49,322,000 | 51,922,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 509,048,000 | 493,297,000 | 503,183,000 | 497,361,000 |
| Interest-bearing deposits | 435,969,000 | 424,836,000 | 429,277,000 | 421,671,000 |
| Noninterest-bearing deposits | 73,079,000 | 68,461,000 | 73,906,000 | 75,690,000 |
| Equity capital | 53,762,000 | 53,798,000 | 53,333,000 | 53,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 6,815,000 | 13,731,000 | 20,369,000 | 26,838,000 |
| Interest expense | 2,349,000 | 4,575,000 | 6,833,000 | 9,047,000 |
| Net interest income | 4,466,000 | 9,156,000 | 13,536,000 | 17,791,000 |
| Noninterest income | 1,651,000 | 2,721,000 | 3,869,000 | 5,305,000 |
| Noninterest expense | 6,185,000 | 12,157,000 | 18,337,000 | 25,664,000 |
| Provision for loan losses | 1,050,000 | 2,100,000 | 3,150,000 | 3,750,000 |
| Pretax income | -1,118,000 | -2,380,000 | -3,818,000 | -5,556,000 |
| Income tax | -719,000 | -1,480,000 | -2,303,000 | -3,166,000 |
| Net income | -399,000 | -900,000 | -1,515,000 | -2,390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,854,000 | 49,493,000 | 48,148,000 | 47,430,000 |
| Total capital | 56,769,000 | 55,267,000 | 54,044,000 | 53,008,000 |
| Risk-weighted assets | 473,169,000 | 460,096,000 | 468,162,000 | 443,444,000 |