Citizens Union Bank of Shelbyville in Shelbyville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens Union Bank of Shelbyville - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Summary
  • Total 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
  • 200Total employees (full-time equivalent)
  • $595,190Total assets
  • $80,660Cash and due from depository institutions
  • $70,976Interest-bearing balances
  • $51,922Securities
  • $21,276Federal funds sold & reverse repurchase agreements
  • $388,516Net loans & leases
  • $8,433Loan loss allowance
  • $0Trading account assets
  • $20,572Bank premises and fixed assets
  • $14,210Other real estate owned
  • $115Goodwill and other intangibles
  • $595,191Life insurance assets
  • $17,919All other assets
  • $541,961Total liabilities and capital
  • $497,361Total liabilities
  • $421,671Total deposits
  • $497,361Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 5702.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $35,987Trading liabilities
  • $0Other borrowed funds
  • $2,911Subordinated debt
  • $53,230All other liabilities
  • $53,230Total equity capital
  • $53,230Total bank equity capital
  • $0Perpetual preferred stock
  • $498Common stock
  • $56,736Surplus
  • $-4,004Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,841Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $33,119Income earned, not collected on loans
  • $0Earning assets
  • $1,863Long-term assets (5+ years)
  • $532,690Average Assets, year-to-date
  • $192,717Average Assets, quarterly
  • $606,177Volatile liabilities
  • $598,582Insider loans
  • $443,444FHLB advances
  • $589,755Loans and leases held for sale
  • $512Unused loan commitments
  • $512Tier 1 (core) risk-based capital
  • $47,430Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $39,883Restructured Loans and leases
  • $1,728Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $26,838Total interest income
  • $9,047Total interest expense
  • $17,791Net interest income
  • $3,750Provision for loan and lease losses
  • $5,305Total noninterest income
  • $1Fiduciary activities
  • $2,162Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,142Additional noninterest income
  • $25,664Total noninterest expense
  • $10,596Salaries and employee benefits
  • $3,460Premises and equipment expense
  • $11,608Additional noninterest expense
  • -$6,318Pre-tax net operating income
  • $762Securities gains (losses)
  • -$3,166Applicable income taxes
  • -$2,390Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,390Net income attributable to bank
  • $0Net charge-offs
  • -$2,390Cash dividends
  • $3,667Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.05%Yield on earning assets
  • 1.70%Cost of funding earning assets
  • 3.35%Net interest margin
  • 1.00%Noninterest income to earning assets
  • 4.83%Noninterest expense to earning assets
  • -0.47%Net operating income to assets
  • -0.39%Return on assets (ROA)
  • -0.92%Pretax return on assets
  • -4.45%Return on equity (ROE)
  • -4.45%Retained earnings to average equity (YTD only)
  • 0.87%Net charge-offs to loans
  • 102.26%Credit loss provision to net charge-offs
  • -0.70%Efficiency ratio
  • 110,807Assets per employee
  • 2.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.12%Loss allowance to noncurrent loans
  • 25.46%Noncurrent assets plus other real estate owned to assets
  • 7.95%Noncurrent loans to loans
  • 8.34%Net loans and leases to deposits
  • 78.12%Net loans and leases to core deposits
  • 100.22%Equity capital to assets
  • 8.94%Core capital (leverage) ratio
  • 8.04%Tier 1 risk-based capital ratio
  • 10.70%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $606,177Average earning assets
  • $53,648Average equity
  • $531,567Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,283Managed Assets
  • 1Number of Accounts
  • $1,283Personal trust and agency accounts
  • $1,283Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 10Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 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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