Citizens Union Bank of Shelbyville in Shelbyville, Kentucky (KY)



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Citizens Union Bank of Shelbyville routing number info

Table of contents:
Citizens Union Bank of Shelbyville
GeneralFDIC Certificate #: 5840
Status: Active
Federal Reserve ID: 65746
Bank Holding Company (Regulatory Top Holder): Lea M. Mcmullan Trust (RSSDID: 2847236, Location: Shelbyville, KY)
Date Established: July 01, 1888
WWW: http://www.cubbank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 16 (Domestic: 16, Interstate: No)
OTS Docket #: 9247
FDIC's unique #: 3994
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: May 24, 2010
Last Structure Change Process Date: June 16, 2010
Last Data Update: June 16, 2010
Data Source Date: April 05, 2012
LocationAddress: 1854 Midland Trail, Shelbyville, KY 40065
County: Shelby
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Elizabethtown
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Southeast
Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350)
Core Based Statistical Area (CBSA): Louisville-Jefferson County, KY-IN (#31140)
CBSA Metro Statistical Area: Louisville-Jefferson County, KY-IN (#31140)
Financial SummaryTotal assets: $595.2 mil
Equity capital: $53.2 mil
Deposits held in domestic offices: $497.4 mil
Return on assets (ROA): -0.39% (-$2.3 mil)
Quarterly return on assets: -0.58% (-$3.5 mil)
Return on Equity (ROE): -4.45% (-$2.4 mil)
Quarterly return on equity: -6.57% (-$3.5 mil)
Net income: -$2.4 mil
Quarterly Net income: -$0.9 mil
Pretax return on assets: -0.92% (-$5,475.7 mil)
Quarterly Pretax return on assets: -1.16% (-$6,904.2 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)200
Total assets$595,190
Cash and due from depository institutions$80,660
Interest-bearing balances$70,976
Securities$51,922
Federal funds sold & reverse repurchase agreements$21,276
Net loans & leases$388,516
Loan loss allowance $8,433
Trading account assets$0
Bank premises and fixed assets$20,572
Other real estate owned$14,210
Goodwill and other intangibles$115
All other assets$17,919
Life insurance assets$595,191
Total liabilities and capital$541,961
Total liabilities$497,361
Total deposits$421,671
Interest-bearing deposits$497,361
Deposits held in domestic offices$80
% insured (estimated)5702.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$35,987
Other borrowed funds $0
Subordinated debt $2,911
All other liabilities $53,230
Total equity capital$53,230
Total bank equity capital$53,230
Perpetual preferred stock$0
Common stock$498
Surplus$56,736
Undivided profits $-4,004
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $2,841
Income earned, not collected on loans $33,119
Earning assets $0
Long-term assets (5+ years) $1,863
Average Assets, year-to-date $532,690
Average Assets, quarterly $192,717
Volatile liabilities $606,177
Insider loans $598,582
FHLB advances $443,444
Loans and leases held for sale $589,755
Unused loan commitments $512
Tier 1 (core) risk-based capital $512
Tier 2 risk-based capital $47,430
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $39,883
Derivatives$1,728
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $26,838
Total interest expense $9,047
Net interest income $17,791
Provision for loan and lease losses $3,750
Total noninterest income $5,305
Fiduciary activities $1
Service charges on deposit accounts $2,162
Trading account gains & fees $0
Additional noninterest income $3,142
Total noninterest expense $25,664
Salaries and employee benefits $10,596
Premises and equipment expense $3,460
Additional noninterest expense $11,608
Pre-tax net operating income -$6,318
Securities gains (losses) $762
Applicable income taxes -$3,166
Income before extraordinary items -$2,390
Extraordinary gains - net $0
Net income attributable to bank -$2,390
Net charge-offs $0
Cash dividends -$2,390
Sale, conversion, retirement of capital stock, net $3,667
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.05%
Cost of funding earning assets 1.70%
Net interest margin 3.35%
Noninterest income to earning assets 1.00%
Noninterest expense to earning assets 4.83%
Net operating income to assets -0.47%
Return on assets (ROA) -0.39%
Pretax return on assets -0.92%
Return on equity (ROE) -4.45%
Retained earnings to average equity (YTD only) -4.45%
Net charge-offs to loans 0.87%
Credit loss provision to net charge-offs 102.26%
Efficiency ratio-0.70%
Assets per employee$110,807
Cash dividends to net income (YTD only)2.98%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.12%
Noncurrent assets plus other real estate owned to assets 25.46%
Noncurrent loans to loans 7.95%
Net loans and leases to deposits8.34%
Net loans and leases to core deposits 78.12%
Equity capital to assets 100.22%
Core capital (leverage) ratio 8.94%
Tier 1 risk-based capital ratio 8.04%
Total risk-based capital ratio 10.70%
Memoranda
Average assets$12
Average earning assets$606,177
Average equity $53,648
Average loans $531,567
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$1,283
Number of Accounts1
Personal trust and agency accounts$1,283
Employee benefit-defined contribution accounts$1,283
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts10
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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15 Kentucky Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
03994Citizens Union Bank Of Shelbyville1854 Midland Trail, Shelbyville, KY 40065July 01, 1888Full Service Brick and Mortar
11256Simpsonville Branch100 Citizens Blvd., Simpsonville, KY 40067October 15, 1902Full Service Brick and Mortar
5218917Bagdad Branch5952 Elmburg Road, Bagdad, KY 40003May 20, 1974Full Service Brick and Mortar
6208229Downtown Branch827 Main Street, Shelbyville, KY 40065April 25, 1996Full Service Brick and Mortar
7208230Wal-Mart Branch500 Taylorsville Road, Shelbyville, KY 40065March 26, 1997Full Service Retail
8208231Taylorsville Branch853 Taylorsville Road, Taylorsville, KY 40071November 16, 1998Full Service Brick and Mortar
10364774Weissinger Branch23 Fairway Crossing, Suite #2, Shelbyville, KY 40065November 15, 2001Full Service Brick and Mortar
1215922Hodgenville Branch637 S. Lincoln Blvd., Hodgenville, KY 42748Febuary 03, 1979Full Service Brick and Mortar
16419594English Station BranchThe Shoppes At Middletown, 12935 Shelbyville Rd., Louisville, KY 40243December 09, 2002Full Service Brick and Mortar
18442962Elizabethtown Branch1830 N. Dixie Hwy., Elizabethtown, KY 42701June 15, 2005Full Service Brick and Mortar
19456011Blankenbaker Branch11601 Bluegrass Parkway, Louisville, KY 40299October 16, 2006Full Service Brick and Mortar
2112098Fort Knox National Bank Branch601 West Lincoln Trail Boulevard, Radcliff, KY 40160April 09, 1960Full Service Brick and Mortar
23469138Mount Washington Branch375 Oakbrooke Drive, Mount Washington, KY 40047October 15, 2007Full Service Brick and Mortar
24473491Chamberlain Lane Branch4742 Chamberlain Lane, Louisville, KY 40241March 10, 2008Full Service Brick and Mortar
25497951Lagrange Branch2100 South Highway 53, Lagrange, KY 40032October 30, 2009Full Service Brick and Mortar
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