Call reports 2001
CITIZENS UNION BANK OF SHELBYVILLE — 2001
What CITIZENS UNION BANK OF SHELBYVILLE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 339,662,000 | 336,975,000 | 334,438,000 | 338,901,000 |
| Total loans | 232,139,000 | 233,593,000 | 237,867,000 | 242,776,000 |
| Allowance for loan losses | 5,449,000 | 5,538,000 | 5,659,000 | 5,549,000 |
| Securities available for sale | 68,991,000 | 69,256,000 | 62,178,000 | 56,200,000 |
| Securities held to maturity | 9,522,000 | 8,796,000 | 8,196,000 | 7,700,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,487,000 | 213,780,000 | 206,191,000 | 204,093,000 |
| Interest-bearing deposits | 183,412,000 | 187,201,000 | 165,175,000 | 172,850,000 |
| Noninterest-bearing deposits | 24,075,000 | 26,579,000 | 41,016,000 | 31,243,000 |
| Equity capital | 36,743,000 | 36,627,000 | 38,556,000 | 39,628,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 7,294,000 | 14,374,000 | 21,109,000 | 27,492,000 |
| Interest expense | 3,890,000 | 7,600,000 | 11,037,000 | 14,015,000 |
| Net interest income | 3,404,000 | 6,774,000 | 10,072,000 | 13,477,000 |
| Noninterest income | 683,000 | 1,283,000 | 2,064,000 | 2,574,000 |
| Noninterest expense | 1,818,000 | 3,745,000 | 5,545,000 | 7,942,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 2,260,000 | 4,188,000 | 6,458,000 | 7,910,000 |
| Income tax | 701,000 | 1,292,000 | 2,002,000 | 1,733,000 |
| Net income | 1,559,000 | 2,896,000 | 4,456,000 | 6,177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,113,000 | 36,082,000 | 37,640,000 | 39,362,000 |
| Total capital | 38,816,000 | 38,848,000 | 40,423,000 | 42,231,000 |
| Risk-weighted assets | 213,487,000 | 218,505,000 | 219,740,000 | 226,820,000 |