Call reports 2007
FNCB BANK — 2007
What FNCB BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,202,595,000 | 1,248,030,000 | 1,294,921,000 | 1,295,872,000 |
| Total loans | 860,216,000 | 908,097,000 | 920,815,000 | 905,234,000 |
| Allowance for loan losses | 7,828,000 | 8,097,000 | 8,246,000 | 7,569,000 |
| Securities available for sale | 263,917,000 | 259,980,000 | 292,103,000 | 295,717,000 |
| Securities held to maturity | 1,660,000 | 1,680,000 | 1,701,000 | 1,722,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 937,633,000 | 957,611,000 | 986,318,000 | 945,867,000 |
| Interest-bearing deposits | 912,407,000 | 928,952,000 | 955,896,000 | 918,639,000 |
| Noninterest-bearing deposits | 25,226,000 | 28,659,000 | 30,422,000 | 27,228,000 |
| Equity capital | 110,135,000 | 109,948,000 | 114,164,000 | 116,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 19,309,000 | 39,567,000 | 60,836,000 | 81,887,000 |
| Interest expense | 9,731,000 | 20,102,000 | 31,206,000 | 41,830,000 |
| Net interest income | 9,578,000 | 19,465,000 | 29,630,000 | 40,057,000 |
| Noninterest income | 1,429,000 | 2,781,000 | 4,179,000 | 5,639,000 |
| Noninterest expense | 5,632,000 | 11,422,000 | 17,282,000 | 23,676,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 2,200,000 |
| Pretax income | 5,078,000 | 10,252,000 | 16,506,000 | 20,541,000 |
| Income tax | 1,276,000 | 2,587,000 | 4,299,000 | 5,265,000 |
| Net income | 3,802,000 | 7,665,000 | 12,207,000 | 15,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 100,030,000 | 103,219,000 | 107,027,000 | 109,397,000 |
| Total capital | 107,858,000 | 111,316,000 | 115,273,000 | 116,966,000 |
| Risk-weighted assets | 1,006,111,000 | 1,040,071,000 | 1,043,233,000 | 1,044,676,000 |