Call reports 2017
CITIZENS UNION BANK OF SHELBYVILLE — 2017
What CITIZENS UNION BANK OF SHELBYVILLE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 714,308,000 | 727,699,000 | 737,308,000 | 747,360,000 |
| Total loans | 559,590,000 | 563,866,000 | 581,377,000 | 586,797,000 |
| Allowance for loan losses | 7,130,000 | 6,961,000 | 6,943,000 | 6,902,000 |
| Securities available for sale | 60,302,000 | 59,381,000 | 56,356,000 | 50,940,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 547,572,000 | 558,986,000 | 568,736,000 | 581,911,000 |
| Interest-bearing deposits | 409,650,000 | 430,556,000 | 436,460,000 | 450,883,000 |
| Noninterest-bearing deposits | 137,922,000 | 128,430,000 | 132,276,000 | 131,028,000 |
| Equity capital | 99,693,000 | 101,946,000 | 103,704,000 | 99,742,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 7,349,000 | 15,159,000 | 23,364,000 | 31,607,000 |
| Interest expense | 919,000 | 1,888,000 | 2,957,000 | 4,070,000 |
| Net interest income | 6,430,000 | 13,271,000 | 20,407,000 | 27,537,000 |
| Noninterest income | 1,784,000 | 3,892,000 | 5,518,000 | 7,378,000 |
| Noninterest expense | 6,119,000 | 12,393,000 | 18,632,000 | 25,242,000 |
| Provision for loan losses | -435,000 | -435,000 | -563,000 | -563,000 |
| Pretax income | 3,255,000 | 5,930,000 | 8,581,000 | 11,018,000 |
| Income tax | 1,070,000 | 1,934,000 | 2,791,000 | 3,927,000 |
| Net income | 2,185,000 | 3,996,000 | 5,790,000 | 7,091,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,995,000 | 86,896,000 | 89,526,000 | 86,825,000 |
| Total capital | 91,125,000 | 93,857,000 | 96,469,000 | 93,727,000 |
| Risk-weighted assets | 630,023,000 | 637,334,000 | 665,559,000 | 664,378,000 |