Call reports 2015
CITIZENS UNION BANK OF SHELBYVILLE — 2015
What CITIZENS UNION BANK OF SHELBYVILLE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 526,101,000 | 527,887,000 | 527,645,000 | 556,787,000 |
| Total loans | 383,870,000 | 384,290,000 | 405,230,000 | 412,419,000 |
| Allowance for loan losses | 6,764,000 | 6,588,000 | 6,599,000 | 6,500,000 |
| Securities available for sale | 52,245,000 | 52,277,000 | 49,429,000 | 49,508,000 |
| Securities held to maturity | 2,080,000 | 1,018,000 | 1,018,000 | 1,018,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 422,519,000 | 425,369,000 | 423,787,000 | 433,819,000 |
| Interest-bearing deposits | 327,121,000 | 324,228,000 | 321,776,000 | 325,666,000 |
| Noninterest-bearing deposits | 95,398,000 | 101,141,000 | 102,012,000 | 108,153,000 |
| Equity capital | 64,377,000 | 65,141,000 | 66,622,000 | 71,995,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,443,000 | 10,882,000 | 16,385,000 | 22,045,000 |
| Interest expense | 769,000 | 1,503,000 | 2,218,000 | 2,948,000 |
| Net interest income | 4,674,000 | 9,379,000 | 14,167,000 | 19,097,000 |
| Noninterest income | 1,272,000 | 2,848,000 | 4,822,000 | 6,432,000 |
| Noninterest expense | 5,121,000 | 10,223,000 | 15,138,000 | 20,481,000 |
| Provision for loan losses | 0 | -200,000 | -200,000 | -243,000 |
| Pretax income | 1,183,000 | 2,562,000 | 4,409,000 | 5,649,000 |
| Income tax | 302,000 | 672,000 | 1,207,000 | -2,990,000 |
| Net income | 881,000 | 1,890,000 | 3,202,000 | 8,639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,846,000 | 58,099,000 | 60,034,000 | 61,240,000 |
| Total capital | 62,510,000 | 63,580,000 | 65,605,000 | 67,101,000 |
| Risk-weighted assets | 452,032,000 | 437,412,000 | 444,661,000 | 468,224,000 |