Call reports 2005
FNCB BANK — 2005
What FNCB BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 912,724,000 | 955,335,000 | 1,003,403,000 | 1,008,090,000 |
| Total loans | 638,500,000 | 676,432,000 | 696,388,000 | 714,776,000 |
| Allowance for loan losses | 7,311,000 | 7,793,000 | 8,115,000 | 7,528,000 |
| Securities available for sale | 219,059,000 | 221,028,000 | 224,248,000 | 228,871,000 |
| Securities held to maturity | 1,504,000 | 1,523,000 | 1,542,000 | 1,561,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 678,137,000 | 695,315,000 | 768,741,000 | 750,855,000 |
| Interest-bearing deposits | 653,811,000 | 673,020,000 | 743,740,000 | 728,134,000 |
| Noninterest-bearing deposits | 24,326,000 | 22,295,000 | 25,001,000 | 22,721,000 |
| Equity capital | 75,802,000 | 80,831,000 | 82,436,000 | 84,232,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 11,763,000 | 24,465,000 | 38,398,000 | 53,307,000 |
| Interest expense | 4,725,000 | 9,960,000 | 15,885,000 | 22,358,000 |
| Net interest income | 7,038,000 | 14,505,000 | 22,513,000 | 30,949,000 |
| Noninterest income | 984,000 | 1,992,000 | 3,035,000 | 4,154,000 |
| Noninterest expense | 4,517,000 | 9,112,000 | 13,824,000 | 18,910,000 |
| Provision for loan losses | 240,000 | 480,000 | 870,000 | 1,860,000 |
| Pretax income | 3,317,000 | 6,860,000 | 10,729,000 | 14,083,000 |
| Income tax | 705,000 | 1,453,000 | 2,278,000 | 2,837,000 |
| Net income | 2,612,000 | 5,407,000 | 8,451,000 | 11,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,664,000 | 79,376,000 | 82,212,000 | 84,756,000 |
| Total capital | 83,975,000 | 87,162,000 | 90,327,000 | 92,284,000 |
| Risk-weighted assets | 734,768,000 | 772,345,000 | 796,634,000 | 819,340,000 |