Call reports 2014
CITIZENS UNION BANK OF SHELBYVILLE — 2014
What CITIZENS UNION BANK OF SHELBYVILLE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 533,515,000 | 524,479,000 | 530,666,000 | 524,620,000 |
| Total loans | 384,873,000 | 385,169,000 | 382,517,000 | 389,374,000 |
| Allowance for loan losses | 6,387,000 | 6,665,000 | 7,012,000 | 6,766,000 |
| Securities available for sale | 54,150,000 | 52,647,000 | 50,782,000 | 49,892,000 |
| Securities held to maturity | 5,000,000 | 2,080,000 | 2,080,000 | 2,080,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 439,690,000 | 429,609,000 | 425,010,000 | 417,004,000 |
| Interest-bearing deposits | 348,166,000 | 343,315,000 | 338,981,000 | 326,578,000 |
| Noninterest-bearing deposits | 91,525,000 | 86,294,000 | 86,028,000 | 90,426,000 |
| Equity capital | 59,987,000 | 61,426,000 | 62,475,000 | 63,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,581,000 | 11,889,000 | 17,573,000 | 23,209,000 |
| Interest expense | 1,019,000 | 2,029,000 | 2,960,000 | 3,812,000 |
| Net interest income | 4,562,000 | 9,860,000 | 14,613,000 | 19,397,000 |
| Noninterest income | 1,581,000 | 2,988,000 | 4,685,000 | 6,352,000 |
| Noninterest expense | 4,944,000 | 9,629,000 | 14,507,000 | 19,821,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,125,000 | 1,059,000 |
| Pretax income | 749,000 | 2,318,000 | 3,665,000 | 4,868,000 |
| Income tax | 106,000 | 485,000 | 787,000 | 1,042,000 |
| Net income | 643,000 | 1,833,000 | 2,878,000 | 3,826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,364,000 | 53,063,000 | 54,416,000 | 55,795,000 |
| Total capital | 56,601,000 | 58,236,000 | 59,596,000 | 61,005,000 |
| Risk-weighted assets | 422,097,000 | 419,017,000 | 414,192,000 | 421,158,000 |