Call reports 2006
FNCB BANK — 2006
What FNCB BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,020,892,000 | 1,046,553,000 | 1,083,797,000 | 1,184,475,000 |
| Total loans | 734,666,000 | 760,564,000 | 781,907,000 | 836,659,000 |
| Allowance for loan losses | 7,622,000 | 7,793,000 | 7,966,000 | 7,538,000 |
| Securities available for sale | 225,432,000 | 222,819,000 | 239,599,000 | 261,616,000 |
| Securities held to maturity | 1,580,000 | 1,600,000 | 1,619,000 | 1,639,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 773,569,000 | 789,985,000 | 829,828,000 | 921,669,000 |
| Interest-bearing deposits | 748,037,000 | 768,341,000 | 806,280,000 | 886,848,000 |
| Noninterest-bearing deposits | 25,532,000 | 21,644,000 | 23,548,000 | 34,821,000 |
| Equity capital | 85,799,000 | 86,886,000 | 93,599,000 | 106,203,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 15,363,000 | 31,881,000 | 49,387,000 | 68,669,000 |
| Interest expense | 7,074,000 | 14,943,000 | 23,489,000 | 33,188,000 |
| Net interest income | 8,289,000 | 16,938,000 | 25,898,000 | 35,481,000 |
| Noninterest income | 1,127,000 | 2,233,000 | 3,485,000 | 5,115,000 |
| Noninterest expense | 4,922,000 | 9,845,000 | 14,820,000 | 20,640,000 |
| Provision for loan losses | 270,000 | 540,000 | 810,000 | 2,080,000 |
| Pretax income | 4,223,000 | 8,785,000 | 13,752,000 | 17,675,000 |
| Income tax | 1,023,000 | 2,145,000 | 3,396,000 | 4,068,000 |
| Net income | 3,200,000 | 6,640,000 | 10,356,000 | 13,607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,643,000 | 90,465,000 | 93,580,000 | 96,389,000 |
| Total capital | 95,265,000 | 98,258,000 | 101,546,000 | 103,927,000 |
| Risk-weighted assets | 834,736,000 | 881,084,000 | 910,701,000 | 979,893,000 |