Call reports 2016
CITIZENS UNION BANK OF SHELBYVILLE — 2016
What CITIZENS UNION BANK OF SHELBYVILLE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 556,937,000 | 558,811,000 | 574,066,000 | 573,601,000 |
| Total loans | 420,456,000 | 433,418,000 | 456,160,000 | 456,655,000 |
| Allowance for loan losses | 6,487,000 | 6,467,000 | 6,420,000 | 6,061,000 |
| Securities available for sale | 58,504,000 | 57,148,000 | 53,829,000 | 50,385,000 |
| Securities held to maturity | 1,018,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 434,209,000 | 427,199,000 | 441,090,000 | 436,935,000 |
| Interest-bearing deposits | 329,562,000 | 326,586,000 | 335,313,000 | 332,482,000 |
| Noninterest-bearing deposits | 104,648,000 | 100,613,000 | 105,778,000 | 104,454,000 |
| Equity capital | 73,279,000 | 75,200,000 | 76,381,000 | 81,111,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,808,000 | 11,892,000 | 17,867,000 | 23,931,000 |
| Interest expense | 785,000 | 1,570,000 | 2,390,000 | 3,208,000 |
| Net interest income | 5,023,000 | 10,322,000 | 15,477,000 | 20,723,000 |
| Noninterest income | 1,304,000 | 3,119,000 | 4,846,000 | 6,486,000 |
| Noninterest expense | 4,826,000 | 9,864,000 | 15,020,000 | 20,999,000 |
| Provision for loan losses | 0 | -210,000 | -240,000 | -344,000 |
| Pretax income | 1,739,000 | 4,028,000 | 5,786,000 | 6,797,000 |
| Income tax | 519,000 | 1,227,000 | 1,754,000 | -2,921,000 |
| Net income | 1,220,000 | 2,801,000 | 4,032,000 | 9,718,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,012,000 | 65,476,000 | 67,209,000 | 67,726,000 |
| Total capital | 69,032,000 | 71,724,000 | 73,629,000 | 73,787,000 |
| Risk-weighted assets | 481,147,000 | 499,681,000 | 520,877,000 | 516,962,000 |