Citizens Union Bank of Shelbyville

Citizens Union Bank of Shelbyville is headquartered in Shelbyville and is the 19^st largest bank in the state of Kentucky. It is also the 1,165^th largest bank in the nation. It was established in 1888 and as of March of 2012, it had grown to 199 employees at 15 locations. Citizens Union Bank of Shelbyville's savings rates are 44% higher than the national average, and it has a 3-star health rating.

Citizens Union Bank of Shelbyville Routing Number: 083901854

Citizens Union Bank of Shelbyville Checking Account Rates

Citizens Union Bank of Shelbyville Savings Account Rates

Citizens Union Bank of Shelbyville Money Market Rates

Data for Q1 2012

Institution Statistics Citizens Union Bank of Shelbyville FDIC Certificate # 5840 BankRate Report View Year Established 1888 Employees 199 Primary Regulator FDIC Assets and Liabilities Assets $580.45 million Loans $385.46 million Deposits $482.83 million Equity Capital $52.70 million Loan Loss Allowance $8.91 million Unbacked Noncurrent Loans $30.39 million Real Estate Owned $14.01 million Historic Data - March 2011 Assets $611.12 million Equity Capital $53.76 million Loan Loss Allowance $9.28 million Unbacked Noncurrent Loans $39.95 million Real Estate Owned $17.23 million Profit Margin - Quarterly Net Interest Margin 3.1% Return on Assets -0.41% Return on Equity -4.53% Interest Income $6.13 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Citizens Union Bank of Shelbyville had $44.4 million in non-current loans and owned real-estate with $61.61 million in equity and loan loss allowances on hand to cover it. This gives Citizens Union Bank of Shelbyville a Texas Ratio of 72.06% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Citizens Union Bank of Shelbyville decreased slightly from 90.70% as of March 31, 2011 to 72.06% as of March 31, 2012, resulting in a positive change of 20.55%.This indicates that the balance sheet and financial strength for Citizens Union Bank of Shelbyville has improved slightly in recent periods. Deposit Growth In the past year, Citizens Union Bank of Shelbyville has decreased its total deposits by -$26.22 million, resulting in -5.15% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Citizens Union Bank of Shelbyville has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Citizens Union Bank of Shelbyville has $580.45 million in assets with $61.61 million in equity, resulting in a capitalization level of 10.61%, which is above average.

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