Call reports 2008
FNCB BANK — 2008
What FNCB BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,286,434,000 | 1,311,138,000 | 1,294,153,000 | 1,313,425,000 |
| Total loans | 927,845,000 | 945,970,000 | 958,259,000 | 965,781,000 |
| Allowance for loan losses | 6,306,000 | 6,783,000 | 6,499,000 | 8,254,000 |
| Securities available for sale | 256,467,000 | 260,154,000 | 232,224,000 | 245,890,000 |
| Securities held to maturity | 1,743,000 | 1,764,000 | 1,786,000 | 1,808,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 912,854,000 | 920,032,000 | 956,375,000 | 953,082,000 |
| Interest-bearing deposits | 887,326,000 | 892,380,000 | 930,943,000 | 923,367,000 |
| Noninterest-bearing deposits | 25,528,000 | 27,652,000 | 25,432,000 | 29,715,000 |
| Equity capital | 120,810,000 | 115,414,000 | 108,002,000 | 110,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 19,400,000 | 37,487,000 | 55,626,000 | 73,451,000 |
| Interest expense | 9,397,000 | 17,585,000 | 25,474,000 | 32,730,000 |
| Net interest income | 10,003,000 | 19,902,000 | 30,152,000 | 40,721,000 |
| Noninterest income | 1,577,000 | 3,134,000 | 5,163,000 | 6,724,000 |
| Noninterest expense | 6,118,000 | 12,408,000 | 18,826,000 | 25,564,000 |
| Provision for loan losses | 300,000 | 850,000 | 1,150,000 | 2,700,000 |
| Pretax income | 5,807,000 | 10,491,000 | 16,364,000 | 20,337,000 |
| Income tax | 1,492,000 | 2,531,000 | 3,996,000 | 4,832,000 |
| Net income | 4,315,000 | 7,960,000 | 12,368,000 | 15,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 112,953,000 | 115,174,000 | 118,816,000 | 120,980,000 |
| Total capital | 120,609,000 | 123,268,000 | 126,648,000 | 130,130,000 |
| Risk-weighted assets | 1,060,903,000 | 1,070,365,000 | 1,091,275,000 | 1,130,489,000 |