Call reports 2010
FNCB BANK — 2010
What FNCB BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,344,329,000 | 1,305,862,000 | 1,307,769,000 | 1,166,951,000 |
| Total loans | 934,091,000 | 889,898,000 | 806,662,000 | 761,953,000 |
| Allowance for loan losses | 25,505,000 | 27,378,000 | 25,623,000 | 22,583,000 |
| Securities available for sale | 240,082,000 | 252,996,000 | 280,113,000 | 251,062,000 |
| Securities held to maturity | 1,922,000 | 1,946,000 | 1,970,000 | 1,994,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,058,039,000 | 1,025,929,000 | 1,057,192,000 | 985,859,000 |
| Interest-bearing deposits | 1,032,054,000 | 1,002,156,000 | 1,029,517,000 | 956,187,000 |
| Noninterest-bearing deposits | 25,985,000 | 23,773,000 | 27,675,000 | 29,672,000 |
| Equity capital | 92,519,000 | 91,260,000 | 86,608,000 | 64,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 15,159,000 | 29,548,000 | 43,109,000 | 55,472,000 |
| Interest expense | 5,483,000 | 10,496,000 | 15,229,000 | 19,401,000 |
| Net interest income | 9,676,000 | 19,052,000 | 27,880,000 | 36,071,000 |
| Noninterest income | 1,731,000 | 3,436,000 | 5,328,000 | 7,430,000 |
| Noninterest expense | 7,558,000 | 16,212,000 | 26,268,000 | 41,552,000 |
| Provision for loan losses | 5,108,000 | 9,682,000 | 16,993,000 | 25,041,000 |
| Pretax income | -409,000 | -5,133,000 | -15,853,000 | -29,076,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -409,000 | -5,133,000 | -15,853,000 | -29,076,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 104,232,000 | 99,541,000 | 88,853,000 | 75,659,000 |
| Total capital | 118,563,000 | 113,130,000 | 100,900,000 | 86,856,000 |
| Risk-weighted assets | 1,133,597,000 | 1,071,811,000 | 948,894,000 | 883,535,000 |