Call reports 2003
FNCB BANK — 2003
What FNCB BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 764,109,000 | 778,165,000 | 802,345,000 | 816,304,000 |
| Total loans | 481,989,000 | 507,587,000 | 536,382,000 | 558,775,000 |
| Allowance for loan losses | 6,393,000 | 6,659,000 | 6,732,000 | 6,578,000 |
| Securities available for sale | 223,055,000 | 220,949,000 | 211,217,000 | 201,194,000 |
| Securities held to maturity | 1,364,000 | 1,381,000 | 1,398,000 | 1,415,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 569,392,000 | 574,226,000 | 586,376,000 | 602,313,000 |
| Interest-bearing deposits | 507,517,000 | 506,822,000 | 513,428,000 | 528,151,000 |
| Noninterest-bearing deposits | 61,875,000 | 67,404,000 | 72,948,000 | 74,163,000 |
| Equity capital | 64,036,000 | 66,154,000 | 66,705,000 | 68,495,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 10,190,000 | 20,354,000 | 30,504,000 | 40,704,000 |
| Interest expense | 4,607,000 | 9,075,000 | 13,287,000 | 17,409,000 |
| Net interest income | 5,583,000 | 11,279,000 | 17,217,000 | 23,295,000 |
| Noninterest income | 984,000 | 1,751,000 | 2,562,000 | 3,527,000 |
| Noninterest expense | 3,620,000 | 7,270,000 | 11,178,000 | 15,447,000 |
| Provision for loan losses | 325,000 | 650,000 | 875,000 | 1,200,000 |
| Pretax income | 2,826,000 | 5,765,000 | 8,408,000 | 10,833,000 |
| Income tax | 586,000 | 1,204,000 | 1,719,000 | 2,172,000 |
| Net income | 2,240,000 | 4,561,000 | 6,689,000 | 8,661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,757,000 | 61,978,000 | 64,006,000 | 65,860,000 |
| Total capital | 66,150,000 | 68,637,000 | 70,738,000 | 72,438,000 |
| Risk-weighted assets | 550,675,000 | 584,944,000 | 609,531,000 | 633,763,000 |