Call reports 2019
CITIZENS UNION BANK OF SHELBYVILLE — 2019
What CITIZENS UNION BANK OF SHELBYVILLE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 782,645,000 | 811,026,000 | 840,764,000 | 855,175,000 |
| Total loans | 645,566,000 | 656,887,000 | 671,969,000 | 664,631,000 |
| Allowance for loan losses | 6,888,000 | 7,025,000 | 7,252,000 | 7,391,000 |
| Securities available for sale | 52,822,000 | 51,228,000 | 47,490,000 | 61,077,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 618,403,000 | 633,081,000 | 658,392,000 | 689,596,000 |
| Interest-bearing deposits | 481,249,000 | 487,042,000 | 525,325,000 | 540,649,000 |
| Noninterest-bearing deposits | 137,154,000 | 146,038,000 | 133,067,000 | 148,947,000 |
| Equity capital | 105,734,000 | 108,840,000 | 111,436,000 | 99,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 9,718,000 | 19,551,000 | 29,742,000 | 39,591,000 |
| Interest expense | 1,763,000 | 3,729,000 | 5,941,000 | 8,084,000 |
| Net interest income | 7,955,000 | 15,822,000 | 23,801,000 | 31,507,000 |
| Noninterest income | 1,301,000 | 3,125,000 | 5,155,000 | 7,155,000 |
| Noninterest expense | 6,163,000 | 12,439,000 | 18,861,000 | 25,950,000 |
| Provision for loan losses | 120,000 | 240,000 | 420,000 | 600,000 |
| Pretax income | 2,973,000 | 6,268,000 | 9,675,000 | 12,131,000 |
| Income tax | 563,000 | 1,234,000 | 1,935,000 | 2,434,000 |
| Net income | 2,410,000 | 5,034,000 | 7,740,000 | 9,697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,732,000 | 103,193,000 | 106,559,000 | 95,051,000 |
| Total capital | 106,620,000 | 110,218,000 | 113,811,000 | 102,442,000 |
| Risk-weighted assets | 753,931,000 | 763,070,000 | 769,169,000 | 761,103,000 |