Call reports 2003
CITIZENS UNION BANK OF SHELBYVILLE — 2003
What CITIZENS UNION BANK OF SHELBYVILLE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 366,904,000 | 444,021,000 | 437,593,000 | 444,115,000 |
| Total loans | 267,798,000 | 325,823,000 | 332,763,000 | 337,530,000 |
| Allowance for loan losses | 5,531,000 | 7,625,000 | 7,575,000 | 7,273,000 |
| Securities available for sale | 51,283,000 | 60,644,000 | 62,146,000 | 61,119,000 |
| Securities held to maturity | 6,258,000 | 5,657,000 | 5,380,000 | 5,084,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,833,000 | 276,133,000 | 271,952,000 | 277,803,000 |
| Interest-bearing deposits | 193,220,000 | 235,916,000 | 229,763,000 | 228,857,000 |
| Noninterest-bearing deposits | 37,614,000 | 40,217,000 | 42,189,000 | 48,946,000 |
| Equity capital | 44,422,000 | 51,169,000 | 51,842,000 | 51,889,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,919,000 | 12,757,000 | 19,814,000 | 26,805,000 |
| Interest expense | 2,282,000 | 4,827,000 | 7,442,000 | 9,949,000 |
| Net interest income | 3,637,000 | 7,930,000 | 12,372,000 | 16,856,000 |
| Noninterest income | 674,000 | 1,510,000 | 2,413,000 | 3,270,000 |
| Noninterest expense | 2,638,000 | 5,532,000 | 8,728,000 | 11,932,000 |
| Provision for loan losses | 120,000 | 200,000 | 260,000 | 320,000 |
| Pretax income | 1,799,000 | 3,953,000 | 6,102,000 | 8,297,000 |
| Income tax | 356,000 | 837,000 | 1,311,000 | 1,689,000 |
| Net income | 1,443,000 | 3,116,000 | 4,791,000 | 6,608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,287,000 | 45,566,000 | 47,043,000 | 47,155,000 |
| Total capital | 46,632,000 | 49,554,000 | 51,046,000 | 51,203,000 |
| Risk-weighted assets | 265,393,000 | 315,382,000 | 316,637,000 | 320,626,000 |