Call reports 2004
CITIZENS UNION BANK OF SHELBYVILLE — 2004
What CITIZENS UNION BANK OF SHELBYVILLE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 441,439,000 | 458,921,000 | 473,859,000 | 491,352,000 |
| Total loans | 345,719,000 | 363,099,000 | 387,130,000 | 409,267,000 |
| Allowance for loan losses | 7,292,000 | 7,467,000 | 7,569,000 | 7,106,000 |
| Securities available for sale | 48,137,000 | 50,215,000 | 44,829,000 | 42,858,000 |
| Securities held to maturity | 4,624,000 | 3,908,000 | 3,778,000 | 3,421,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,118,000 | 283,267,000 | 302,227,000 | 318,091,000 |
| Interest-bearing deposits | 226,577,000 | 228,245,000 | 228,797,000 | 260,730,000 |
| Noninterest-bearing deposits | 47,541,000 | 55,022,000 | 73,430,000 | 57,361,000 |
| Equity capital | 51,092,000 | 51,696,000 | 53,540,000 | 55,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,728,000 | 13,666,000 | 20,934,000 | 28,413,000 |
| Interest expense | 2,403,000 | 4,827,000 | 7,381,000 | 10,111,000 |
| Net interest income | 4,325,000 | 8,839,000 | 13,553,000 | 18,302,000 |
| Noninterest income | 884,000 | 1,866,000 | 2,793,000 | 3,846,000 |
| Noninterest expense | 3,270,000 | 6,566,000 | 9,985,000 | 13,440,000 |
| Provision for loan losses | 100,000 | 220,000 | 340,000 | 460,000 |
| Pretax income | 2,143,000 | 4,217,000 | 6,392,000 | 8,617,000 |
| Income tax | 482,000 | 961,000 | 1,475,000 | 1,799,000 |
| Net income | 1,661,000 | 3,256,000 | 4,917,000 | 6,818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,234,000 | 48,848,000 | 50,072,000 | 51,992,000 |
| Total capital | 51,441,000 | 53,202,000 | 54,658,000 | 56,787,000 |
| Risk-weighted assets | 333,457,000 | 345,211,000 | 363,895,000 | 381,306,000 |