Call reports 2002
FNCB BANK — 2002
What FNCB BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 697,989,000 | 716,855,000 | 727,282,000 | 735,322,000 |
| Total loans | 449,565,000 | 464,545,000 | 471,575,000 | 494,116,000 |
| Allowance for loan losses | 5,943,000 | 5,878,000 | 6,151,000 | 6,140,000 |
| Securities available for sale | 202,580,000 | 196,506,000 | 205,862,000 | 197,395,000 |
| Securities held to maturity | 1,921,000 | 1,948,000 | 1,331,000 | 1,347,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 531,364,000 | 535,906,000 | 543,629,000 | 540,658,000 |
| Interest-bearing deposits | 478,199,000 | 479,752,000 | 481,198,000 | 479,877,000 |
| Noninterest-bearing deposits | 53,165,000 | 56,154,000 | 62,430,000 | 60,781,000 |
| Equity capital | 52,486,000 | 57,845,000 | 61,458,000 | 62,655,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 10,685,000 | 21,626,000 | 32,481,000 | 42,859,000 |
| Interest expense | 5,461,000 | 10,784,000 | 15,945,000 | 20,799,000 |
| Net interest income | 5,224,000 | 10,842,000 | 16,536,000 | 22,060,000 |
| Noninterest income | 836,000 | 1,478,000 | 2,227,000 | 3,310,000 |
| Noninterest expense | 3,405,000 | 6,888,000 | 10,430,000 | 14,208,000 |
| Provision for loan losses | 325,000 | 650,000 | 975,000 | 1,400,000 |
| Pretax income | 2,566,000 | 5,114,000 | 7,746,000 | 10,128,000 |
| Income tax | 550,000 | 1,075,000 | 1,625,000 | 2,077,000 |
| Net income | 2,016,000 | 4,039,000 | 6,121,000 | 8,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,582,000 | 54,505,000 | 56,337,000 | 57,817,000 |
| Total capital | 58,525,000 | 60,383,000 | 62,488,000 | 63,957,000 |
| Risk-weighted assets | 508,122,000 | 528,432,000 | 536,676,000 | 549,295,000 |