Call reports 2004
FNCB BANK — 2004
What FNCB BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 828,868,000 | 856,665,000 | 898,447,000 | 907,493,000 |
| Total loans | 559,710,000 | 608,880,000 | 625,206,000 | 632,892,000 |
| Allowance for loan losses | 6,779,000 | 6,787,000 | 6,679,000 | 7,100,000 |
| Securities available for sale | 217,934,000 | 192,957,000 | 207,291,000 | 222,272,000 |
| Securities held to maturity | 1,432,000 | 1,450,000 | 1,468,000 | 1,486,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 608,078,000 | 619,677,000 | 670,533,000 | 672,096,000 |
| Interest-bearing deposits | 534,120,000 | 594,542,000 | 642,705,000 | 652,797,000 |
| Noninterest-bearing deposits | 73,958,000 | 25,135,000 | 27,828,000 | 19,299,000 |
| Equity capital | 71,534,000 | 69,014,000 | 74,330,000 | 75,342,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 10,019,000 | 20,174,000 | 30,859,000 | 42,228,000 |
| Interest expense | 4,049,000 | 8,157,000 | 12,422,000 | 16,960,000 |
| Net interest income | 5,970,000 | 12,017,000 | 18,437,000 | 25,268,000 |
| Noninterest income | 1,038,000 | 1,892,000 | 2,927,000 | 3,944,000 |
| Noninterest expense | 4,171,000 | 8,311,000 | 12,598,000 | 17,351,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 1,400,000 |
| Pretax income | 2,932,000 | 6,018,000 | 8,968,000 | 11,307,000 |
| Income tax | 595,000 | 1,274,000 | 1,901,000 | 2,012,000 |
| Net income | 2,337,000 | 4,744,000 | 7,067,000 | 9,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,972,000 | 70,279,000 | 72,302,000 | 74,311,000 |
| Total capital | 74,751,000 | 77,066,000 | 78,981,000 | 81,411,000 |
| Risk-weighted assets | 646,371,000 | 690,535,000 | 717,589,000 | 728,683,000 |