Call reports 2020
CITIZENS UNION BANK OF SHELBYVILLE — 2020
What CITIZENS UNION BANK OF SHELBYVILLE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 880,169,000 | 992,986,000 | 1,016,322,000 | 1,020,491,000 |
| Total loans | 677,486,000 | 732,387,000 | 716,338,000 | 715,698,000 |
| Allowance for loan losses | 7,508,000 | 7,809,000 | 8,076,000 | 8,753,000 |
| Securities available for sale | 57,984,000 | 73,490,000 | 77,826,000 | 84,837,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 700,495,000 | 800,155,000 | 823,266,000 | 844,150,000 |
| Interest-bearing deposits | 546,320,000 | 591,390,000 | 620,872,000 | 636,166,000 |
| Noninterest-bearing deposits | 154,174,000 | 208,764,000 | 202,393,000 | 207,985,000 |
| Equity capital | 101,939,000 | 115,501,000 | 116,421,000 | 115,156,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 9,647,000 | 19,361,000 | 29,078,000 | 39,016,000 |
| Interest expense | 2,006,000 | 3,685,000 | 5,253,000 | 6,627,000 |
| Net interest income | 7,641,000 | 15,676,000 | 23,825,000 | 32,389,000 |
| Noninterest income | 1,607,000 | 3,905,000 | 6,239,000 | 9,618,000 |
| Noninterest expense | 6,366,000 | 13,104,000 | 20,053,000 | 27,606,000 |
| Provision for loan losses | 120,000 | 420,000 | 720,000 | 1,520,000 |
| Pretax income | 2,762,000 | 6,057,000 | 9,291,000 | 12,881,000 |
| Income tax | 612,000 | 1,286,000 | 1,943,000 | 2,669,000 |
| Net income | 2,150,000 | 4,771,000 | 7,348,000 | 10,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 97,532,000 | 108,372,000 | 108,984,000 | 107,833,000 |