Call reports 2013
CITIZENS UNION BANK OF SHELBYVILLE — 2013
What CITIZENS UNION BANK OF SHELBYVILLE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 551,050,000 | 547,085,000 | 537,766,000 | 523,728,000 |
| Total loans | 381,130,000 | 367,587,000 | 369,445,000 | 382,205,000 |
| Allowance for loan losses | 6,876,000 | 5,984,000 | 6,250,000 | 6,005,000 |
| Securities available for sale | 48,277,000 | 50,260,000 | 51,770,000 | 50,524,000 |
| Securities held to maturity | 5,000,000 | 5,000,000 | 5,000,000 | 5,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 451,686,000 | 448,663,000 | 443,616,000 | 429,687,000 |
| Interest-bearing deposits | 373,340,000 | 368,785,000 | 363,295,000 | 346,802,000 |
| Noninterest-bearing deposits | 78,346,000 | 79,878,000 | 80,321,000 | 82,884,000 |
| Equity capital | 58,317,000 | 58,213,000 | 58,049,000 | 59,203,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,686,000 | 11,313,000 | 16,852,000 | 22,657,000 |
| Interest expense | 1,411,000 | 2,766,000 | 4,033,000 | 5,105,000 |
| Net interest income | 4,275,000 | 8,547,000 | 12,819,000 | 17,552,000 |
| Noninterest income | 2,135,000 | 4,237,000 | 6,177,000 | 6,891,000 |
| Noninterest expense | 5,344,000 | 10,731,000 | 16,134,000 | 21,305,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,800,000 | 2,400,000 |
| Pretax income | 466,000 | 859,000 | 1,068,000 | 744,000 |
| Income tax | 11,000 | 0 | -64,000 | -382,000 |
| Net income | 455,000 | 859,000 | 1,132,000 | 1,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,630,000 | 49,773,000 | 49,769,000 | 50,536,000 |
| Total capital | 55,040,000 | 55,057,000 | 54,872,000 | 55,811,000 |
| Risk-weighted assets | 431,390,000 | 422,823,000 | 416,360,000 | 422,038,000 |