Citizens Union Bank Of Shelbyville Mortgage Rates, Fees & Info

Shelbyville, KY

LEI: 549300JLVHEYC5B9MX32

Tax ID: 61-0156420

5 stars - out of 5 stars, based on 28 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Citizens Union Bank Of Shelbyville is a smaller bank specializing in Home Purchase and Refi loans. Citizens Union Bank Of Shelbyville has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Louisville/jefferson County, Cincinnati, Bardstown, Frankfort, and Elizabethtown among others. We have data for 30 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Citizens Union Bank Of Shelbyville has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Citizens Union Bank Of Shelbyville is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.60% 3/19/23
    30 Year Conventional Refi 6.45% 3/19/23
    30 Year Cash-out Refi 6.63% 3/19/23
    30 Year FHA Purchase 7.18% 3/19/23
    30 Year FHA Refi 7.08% 3/19/23
    30 Year VA Purchase 5.84% 3/19/23
    30 Year VA Refi 5.74% 3/19/23
    30 Year USDA Purchase 6.41% 3/19/23
    30 Year USDA Refi 6.49% 3/19/23
    15 Year Conventional Purchase 5.86% 3/19/23
    15 Year Conventional Refi 5.93% 3/19/23
    15 Year Cash-out Refi 5.93% 3/19/23
    15 Year VA Refi 5.50% 3/19/23
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    793

    Origination Dollar Volume (All Markets)

    $206,275,000

    Employee count

    162 Show all (12) awards

    Relative Rate

    Citizens Union Bank Of Shelbyville's average 30 year fixed mortgage rate was 3.09%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.06%.

    Relative Fees (Closing Costs)

    Citizens Union Bank Of Shelbyville's average total fees/closing costs for a 30 year fixed rate mortgage were $3,084.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 584 $163,800,000 $280,479 $2,815 3.33%
    Outside of Metro Areas 70 $11,850,000 $169,286 $2,625 3.46%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 45 $8,205,000 $182,333 $2,723 3.55%
    Bardstown, KY (FHA|USDA|VA) 20 $4,020,000 $201,000 $2,729 2.97%
    Frankfort, KY (FHA|USDA|VA) 22 $3,770,000 $171,364 $3,869 3.37%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 14 $3,590,000 $256,429 $4,178 2.84%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 10 $2,580,000 $258,000 $2,201 3.19%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $1,785,000 $595,000 $4,665 3.46%
    Scottsburg, IN (FHA|USDA|VA) 2 $1,160,000 $580,000 $0 4.39%
    Traverse City, MI (FHA|USDA|VA) 1 $1,095,000 $1,095,000 $0 3.99%
    North Vernon, IN (FHA|USDA|VA) 1 $465,000 $465,000 $0 4.49%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $415,000 $415,000 $3,004 2.75%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $405,000 $405,000 $3,159 2.38%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $335,000 $335,000 $2,976 3.13%
    Campbellsville, KY (FHA|USDA|VA) 1 $305,000 $305,000 $2,696 2.99%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $265,000 $265,000 $2,750 4.00%
    Somerset, KY (FHA|USDA|VA) 2 $250,000 $125,000 $2,185 3.25%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $235,000 $235,000 $0 3.50%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $225,000 $225,000 $1,750 3.38%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $205,000 $205,000 $2,935 3.00%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $195,000 $195,000 $1,674 2.99%
    Glasgow, KY (FHA|USDA|VA) 2 $170,000 $85,000 $2,957 3.94%
    JACKSON, MS (FHA|USDA|VA) 1 $155,000 $155,000 $2,550 2.38%
    TOLEDO, OH (FHA|USDA|VA) 1 $155,000 $155,000 $6,055 2.50%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $135,000 $135,000 $0 3.99%
    Richmond-Berea, KY (FHA|USDA|VA) 1 $135,000 $135,000 $3,770 2.25%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $115,000 $115,000 $2,320 2.63%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.69%
    Murray, KY (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.49%
    Mount Sterling, KY (FHA|USDA|VA) 1 $55,000 $55,000 $1,825 3.00%
    Citizens Union Bank Of Shelbyville's top markets include Louisville/jefferson County, Cincinnati, Bardstown, Frankfort, and Elizabethtown among others.

    Their top states include:
  • Kentucky (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
  • Maine (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Citizens Union Bank of Shelbyville based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    The North Side Bank & Trust Company
    Similarity Rank: 246
    CINFED Federal Credit Union
    Similarity Rank: 288
    Sharefax Credit Union
    Similarity Rank: 505
    COMMONWEALTH
    Similarity Rank: 575
    INDIANA MEMBERS CREDIT UNION
    Similarity Rank: 810
    First Harrison Bank
    Similarity Rank: 1083
    Eagle Savings Bank
    Similarity Rank: 1152
    TRANSCEND
    Similarity Rank: 1170
    LCNB National Bank
    Similarity Rank: 1274
    RIVER VALLEY CREDIT UNION, INC.
    Similarity Rank: 1290

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 686 $185,110,000 $269,840 $2,346 3.43%
    FHA 65 $12,295,000 $189,154 $5,758 2.89%
    USDA 29 $5,345,000 $184,310 $4,235 2.65%
    VA 13 $3,525,000 $271,154 $5,207 2.31%

    For 2021, Citizens Union Bank Of Shelbyville's most frequently originated type of loan was Conventional, with 686 originations. Their 2nd most popular type was FHA, with 65 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 404 $126,150,000 $312,252 $3,362 3.41%
    Refi 222 $46,560,000 $209,730 $2,367 3.27%
    Cash Out Refi 150 $30,970,000 $206,467 $2,368 3.18%
    Home Improvement 10 $800,000 $80,000 $1,342 4.21%
    Other 7 $1,795,000 $256,429 $2,703 3.48%

    For 2021, Citizens Union Bank Of Shelbyville's most frequently cited loan purpose was Home Purchase, with 404 originations. The 2nd most popular reason was Refi, with 222 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 459 $104,765,000 $228,246 $3,084 3.09%
    15 Year 166 $33,230,000 $200,181 $2,076 3.53%
    20 Year 64 $11,750,000 $183,594 $2,318 3.58%
    10 Year 46 $10,200,000 $221,739 $2,161 3.92%
    1 Year 25 $5,495,000 $219,800 $5,515 4.26%
    Other 21 $9,555,000 $455,000 $2,080 3.72%
    5 Year 11 $30,945,000 $2,813,182 $0 3.98%
    3 Year 1 $335,000 $335,000 $0 4.49%

    For 2021, Citizens Union Bank Of Shelbyville's most frequently cited loan duration was 30 Year, with 459 originations. The 2nd most popular length was 15 Year, with 166 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 544 $119,180,000 $219,081
    $1k-2k 63 $12,235,000 $194,206
    $2k-3k 10 $3,120,000 $312,000
    $3k-4k 3 $955,000 $318,333
    $4k-5k 3 $1,345,000 $448,333

    Citizens Union Bank Of Shelbyville's average total fees were $3,084, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 544 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 231 $53,735,000 $232,619
    3-4% 222 $84,610,000 $381,126
    4-5% 195 $32,875,000 $168,590
    <2.5% 140 $34,620,000 $247,286
    5-6% 5 $435,000 $87,000

    During 2021, Citizens Union Bank Of Shelbyville's average interest rate for loans was 3.09%, while their most frequently originated rate bucket for loans was 2.5-3%, with 231 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 318 $47,160,000 $148,302 $2,643 3.32%
    $200k-400k 289 $77,725,000 $268,945 $3,164 3.09%
    $100,000 or less 119 $8,385,000 $70,462 $2,079 4.06%
    $400k-600k 50 $23,670,000 $473,400 $3,072 3.08%
    $1MM+ 10 $43,570,000 $4,357,000 $4,391 3.55%
    $600k-1MM 7 $5,765,000 $823,571 $4,683 3.75%

    2021 saw Citizens Union Bank Of Shelbyville place emphasis on $100k-200k loans with 318 originations, totaling $47,160,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 167 $29,705,000 $177,874 $2,809 3.12%
    $50k or less 147 $19,705,000 $134,048 $2,859 3.32%
    $75k-100k 127 $28,165,000 $221,772 $2,888 3.16%
    $100k-150k 114 $28,610,000 $250,965 $2,905 3.05%
    $150k-250k 67 $21,775,000 $325,000 $2,717 2.99%
    $250k+ 31 $12,455,000 $401,774 $3,095 3.41%

    Citizens Union Bank Of Shelbyville lent most frequently to those with incomes in the $50k-75k range, with 167 originations. The second most popular income band? $50k or less, with 147 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 186 $42,540,000 $228,710 $2,658 3.05%
    30-36% 116 $25,690,000 $221,466 $2,778 3.09%
    <20% 57 $11,685,000 $205,000 $2,424 2.94%
    38% 32 $7,300,000 $228,125 $2,887 3.23%
    42% 29 $6,675,000 $230,172 $3,080 2.97%
    36% 26 $4,850,000 $186,538 $3,156 3.23%
    41% 23 $4,595,000 $199,783 $2,810 3.14%
    45% 20 $4,440,000 $222,000 $3,820 2.70%
    39% 20 $4,710,000 $235,500 $2,883 3.28%
    44% 18 $3,290,000 $182,778 $2,506 3.15%
    40% 16 $3,410,000 $213,125 $3,333 3.09%
    37% 14 $2,890,000 $206,429 $3,646 3.26%
    43% 14 $3,040,000 $217,143 $2,576 2.90%
    47% 10 $2,500,000 $250,000 $2,823 2.92%
    49% 10 $2,460,000 $246,000 $3,843 2.81%
    50-60% 10 $2,100,000 $210,000 $4,073 2.76%
    46% 9 $2,195,000 $243,889 $3,022 2.92%
    48% 9 $1,815,000 $201,667 $3,595 3.13%
    >60% 1 $25,000 $25,000 $919 5.50%

    Citizens Union Bank Of Shelbyville lent most frequently to those with DTI ratios of 20-30%, with 186 originations. The next most common DTI ratio? 30-36%, with 116 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 620 $135,230,000 $218,113 $2,801 3.15%
    Not applicable 121 $61,255,000 $506,240 $0 4.35%
    Black 35 $6,225,000 $177,857 $3,995 3.23%
    Asian 8 $1,990,000 $248,750 $2,497 3.39%
    Not provided 4 $870,000 $217,500 $2,844 3.81%
    American Indian 3 $595,000 $198,333 $2,769 3.17%
    Native Hawaiian or Islander 1 $55,000 $55,000 $1,825 3.00%
    Other Asian 1 $55,000 $55,000 $0 4.49%

    Approval Rates

    Total approvals of all applications
    94.43%

    Citizens Union Bank Of Shelbyville has an average approval rate.

    Pick Rate

    Approvals leading to origination
    87.52%

    Citizens Union Bank Of Shelbyville has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 793 $206,275,000 $260,120

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    793 $206,275,000 $260,120

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 49 $7,335,000 $149,694 $2,001 3.19%
    40-60% 127 $27,255,000 $214,606 $2,162 3.24%
    60-80% 345 $110,205,000 $319,435 $2,513 3.47%
    80-100% 258 $59,940,000 $232,326 $3,645 3.22%
    Over 100% 6 $1,120,000 $186,667 $4,814 3.00%
    Under 20% 8 $420,000 $52,500 $1,771 4.37%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 54 15.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 22 6.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Improper use of your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Incorrect information on your report 6 1.7%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 27 7.8%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 116 33.4%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 7 2.0%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Closing on a mortgage 4 1.2%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Struggling to pay mortgage 15 4.3%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Trouble during payment process 19 5.5%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 7 2.0%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 4 1.2%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Incorrect information on your report 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 27 7.8%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 5 1.4%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Closing on a mortgage 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Improper use of your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Incorrect information on your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Trouble during payment process 13 3.7%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Struggling to pay mortgage 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 3 0.9%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Citizens Union Bank of Shelbyville 500 Taylorsville Road Shelbyville, KY 40065 Full Service Retail $12,827
    Citizens Union Bank of Shelbyville 100 Citizens Blvd. Simpsonville, KY 40067 Full Service B&M $44,771
    Citizens Union Bank of Shelbyville 101 Huntington Ridge Drive, 12935 Shelbyville Road, Suite 110 Louisville, KY 40223 Full Service B&M $51,310
    Citizens Union Bank of Shelbyville 11601 Bluegrass Parkway Louisville, KY 40299 Full Service B&M $100,045
    Citizens Union Bank of Shelbyville 127 North Thomas Street Owenton, KY 40359 Full Service B&M $109,641
    Citizens Union Bank of Shelbyville 1830 N. Dixie Hwy. Elizabethtown, KY 42701 Full Service B&M $27,468
    Citizens Union Bank of Shelbyville 1854 Midland Trail Shelbyville, KY 40065 Full Service B&M $297,814
    Citizens Union Bank of Shelbyville 2100 South Highway 53 Lagrange, KY 40031 Full Service B&M $31,829
    Citizens Union Bank of Shelbyville 23 Fairway Crossing, Suite #2 Shelbyville, KY 40065 Full Service B&M $27,249
    Citizens Union Bank of Shelbyville 375 Oakbrooke Drive Mount Washington, KY 40047 Full Service B&M $26,025
    Citizens Union Bank of Shelbyville 4154 Towne Center Drive Louisville, KY 40241 Full Service B&M $15,273
    Citizens Union Bank of Shelbyville 460 Kentucky Highway 227 North New Liberty, KY 40355 Full Service B&M $18,862
    Citizens Union Bank of Shelbyville 506 East Main Street Warsaw, KY 41095 Full Service B&M $33,210
    Citizens Union Bank of Shelbyville 827 Main Street Shelbyville, KY 40065 Full Service B&M $48,665
    Citizens Union Bank of Shelbyville 853 Taylorsville Road Taylorsville, KY 40071 Full Service B&M $47,371

    For 2021, Citizens Union Bank Of Shelbyville had 15 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $38,277
    Net interest income $34,772
    Total noninterest income $9,839
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,813
    Trading account gains and fees $0
    Additional Noninterest Income $8,026
    Pre-tax net operating income $11,882
    Securities gains (or losses, -) $0
    Income before extraordinary items $9,377
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $9,377
    Minority interest net income $0
    Net income $9,377
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $9,377

    Citizens Union Bank Of Shelbyville's gross interest income from loans was $38,277,000.
    Citizens Union Bank Of Shelbyville's net interest income from loans was $34,772,000.
    Citizens Union Bank Of Shelbyville's fee based income from loans was $1,813,000.
    Citizens Union Bank Of Shelbyville's net income from loans was $9,377,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,505
    Provision for credit losses $280
    Total noninterest expense $32,449
    Salaries and employee benefits $16,739
    Premises and equipment expense $5,477
    Additional noninterest expense $10,233
    Applicable income taxes $2,505
    Net charge-offs $188
    Cash dividends $0

    Citizens Union Bank Of Shelbyville's interest expense for loans was $3,505,000.
    Citizens Union Bank Of Shelbyville's payroll and benefits expense were $16,739,000.
    Citizens Union Bank Of Shelbyville's property, plant and equipment expenses $5,477,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $931,999
    Deposits held in domestic offices $931,999
    Deposits by Individuals, partnerships, and corporations $833,563
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $88,742
    Deposits by Commercial banks and other depository institutions in U.S. $9,694
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $469,224
    Demand deposits $468,437
    Nontransaction accounts $462,775
    Money market deposit accounts (MMDAs) $161,232
    Other savings deposits (excluding MMDAs) $179,319
    Total time deposits $122,224
    Total time and savings deposits $463,562
    Noninterest-bearing deposits $241,702
    Interest-bearing deposits $690,296
    Retail deposits $923,075
    IRAs and Keogh plan accounts $23,413
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,105,283
    Cash & Balances due from depository institutions $258,408
    Interest-bearing balances $238,714
    Total securities $103,591
    Federal funds sold & reverse repurchase $410
    Net loans and leases $677,332
    Loan and leases loss allowance $8,845
    Trading account assets $0
    Bank premises and fixed assets $24,137
    Other real estate owned $243
    Goodwill and other intangibles $6,296
    All other assets $34,866

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,105,283
    Total Liabilities $982,242
    Total deposits $931,999
    Interest-bearing deposits $690,296
    Deposits held in domestic offices $931,999
    % insured (estimated) $83
    Federal funds purchased and repurchase agreements $3,016
    Trading liabilities $0
    Other borrowed funds $41,580
    Subordinated debt $0
    All other liabilities $5,647

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $677,332
    Loan and leases loss allowance $8,845
    Total loans and leases (domestic) $686,177
    All real estate loans $581,147
    Real estate loans in domestic offices $581,147
    Construction and development loans $115,193
    Residential 1-4 family construction $24,872
    Other construction, all land development and other land $90,321
    Loans secured by nonfarm nonresidential properties $163,606
    Nonfarm nonresidential secured by owner-occupied properties $63,395
    Commercial real estate & other non-farm, non-residential $100,211
    Multifamily residential real estate $61,573
    1-4 family residential loans $180,609
    Farmland loans $60,166
    Loans held in foreign offices $0
    Farm loans $6,801
    Commercial and industrial loans $74,773
    To non-U.S. addressees $0
    Loans to individuals $4,405
    Credit card loans $0
    Related Plans $464
    Consumer Auto Loans $1,319
    Other loans to individuals $2,622
    All other loans & leases $19,075
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $15,307
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $199
    Non 1-4 family restructured loans & leases $191
    Total loans and leases (foreign) $0

    Citizens Union Bank of Shelbyville had $677,332,000 of loans outstanding in 2021. $581,147,000 of loans were in real estate loans. $115,193,000 of loans were in development loans. $61,573,000 of loans were in multifamily mortgage loans. $180,609,000 of loans were in 1-4 family mortgage loans. $6,801,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,319,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 243 $44,463 $182,975
    Nonfarm, nonresidential loans - <$100k 72 $2,689 $37,347
    Nonfarm, nonresidential loans - $100-250k 76 $8,243 $108,461
    Nonfarm, nonresidential loans - $250k-1MM 95 $33,531 $352,958
    Commercial & Industrial, US addressed loans - <$1MM 451 $19,449 $43,124
    Commercial & Industrial, US addressed loans - <$100k 343 $6,451 $18,808
    Commercial & Industrial, US addressed loans - $100-250k 78 $6,447 $82,654
    Commercial & Industrial, US addressed loans - $250k-1MM 30 $6,551 $218,367
    Farmland loans - <$1MM 378 $41,932 $110,931
    Farmland loans - <$100k 158 $6,096 $38,582
    Farmland loans - $100-250k 148 $16,982 $114,743
    Farmland loans - $250k-1MM 72 $18,854 $261,861
    Agriculture operations loans - <$1MM 232 $6,374 $27,474
    Agriculture operations loans - <$100k 200 $2,541 $12,705
    Agriculture operations loans - $100-250k 24 $2,653 $110,542
    Agriculture operations loans - $250k-1MM 8 $1,180 $147,500