Call reports 2009
FNCB BANK — 2009
What FNCB BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,310,889,000 | 1,327,879,000 | 1,385,560,000 | 1,365,991,000 |
| Total loans | 986,066,000 | 961,285,000 | 964,958,000 | 940,416,000 |
| Allowance for loan losses | 10,382,000 | 9,622,000 | 18,980,000 | 22,458,000 |
| Securities available for sale | 220,556,000 | 223,661,000 | 248,563,000 | 252,936,000 |
| Securities held to maturity | 1,830,000 | 1,853,000 | 1,876,000 | 1,899,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 967,259,000 | 995,069,000 | 1,057,674,000 | 1,076,147,000 |
| Interest-bearing deposits | 943,163,000 | 969,395,000 | 1,032,700,000 | 1,049,170,000 |
| Noninterest-bearing deposits | 24,096,000 | 25,674,000 | 24,974,000 | 26,977,000 |
| Equity capital | 104,781,000 | 110,012,000 | 121,380,000 | 91,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 16,850,000 | 33,192,000 | 49,005,000 | 64,398,000 |
| Interest expense | 6,093,000 | 12,179,000 | 18,321,000 | 24,448,000 |
| Net interest income | 10,757,000 | 21,013,000 | 30,684,000 | 39,950,000 |
| Noninterest income | 1,927,000 | 3,725,000 | 5,550,000 | 7,908,000 |
| Noninterest expense | 6,698,000 | 13,997,000 | 21,981,000 | 37,942,000 |
| Provision for loan losses | 2,460,000 | 9,710,000 | 20,760,000 | 42,089,000 |
| Pretax income | 4,053,000 | 1,474,000 | -8,493,000 | -51,932,000 |
| Income tax | 750,000 | 289,000 | -3,637,000 | -8,262,000 |
| Net income | 3,303,000 | 1,185,000 | -4,856,000 | -43,670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 123,982,000 | 121,852,000 | 124,597,000 | 103,087,000 |
| Total capital | 135,261,000 | 132,369,000 | 140,138,000 | 117,677,000 |
| Risk-weighted assets | 1,262,937,000 | 1,215,372,000 | 1,238,504,000 | 1,157,813,000 |