Call reports 2012
CITIZENS UNION BANK OF SHELBYVILLE — 2012
What CITIZENS UNION BANK OF SHELBYVILLE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 580,448,000 | 559,650,000 | 543,319,000 | 535,030,000 |
| Total loans | 392,370,000 | 389,060,000 | 394,235,000 | 388,536,000 |
| Allowance for loan losses | 6,912,000 | 8,974,000 | 9,076,000 | 7,432,000 |
| Securities available for sale | 45,026,000 | 51,187,000 | 47,390,000 | 43,308,000 |
| Securities held to maturity | 5,000,000 | 5,000,000 | 5,000,000 | 5,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 482,833,000 | 464,890,000 | 448,633,000 | 435,719,000 |
| Interest-bearing deposits | 405,176,000 | 383,324,000 | 373,985,000 | 358,535,000 |
| Noninterest-bearing deposits | 77,658,000 | 81,566,000 | 74,649,000 | 77,184,000 |
| Equity capital | 52,702,000 | 52,848,000 | 52,458,000 | 56,934,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,127,000 | 12,228,000 | 18,333,000 | 24,387,000 |
| Interest expense | 2,062,000 | 3,952,000 | 5,668,000 | 7,186,000 |
| Net interest income | 4,065,000 | 8,276,000 | 12,665,000 | 17,201,000 |
| Noninterest income | 1,013,000 | 2,817,000 | 4,691,000 | 7,025,000 |
| Noninterest expense | 5,326,000 | 11,340,000 | 17,711,000 | 24,905,000 |
| Provision for loan losses | 900,000 | 3,455,000 | 4,355,000 | 5,905,000 |
| Pretax income | -1,148,000 | -3,702,000 | -4,710,000 | -6,584,000 |
| Income tax | -548,000 | -1,622,000 | -2,074,000 | -2,865,000 |
| Net income | -600,000 | -2,080,000 | -2,636,000 | -3,719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,334,000 | 45,310,000 | 44,400,000 | 48,190,000 |
| Total capital | 51,748,000 | 50,790,000 | 49,744,000 | 53,628,000 |
| Risk-weighted assets | 433,310,000 | 434,921,000 | 433,128,000 | 433,062,000 |