Call reports 2011
FNCB BANK — 2011
What FNCB BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 1,150,539,000 | 1,086,341,000 | 1,129,125,000 | 1,102,289,000 |
| Total loans | 758,650,000 | 727,980,000 | 682,925,000 | 679,972,000 |
| Allowance for loan losses | 24,230,000 | 23,701,000 | 23,106,000 | 20,834,000 |
| Securities available for sale | 246,984,000 | 230,011,000 | 204,203,000 | 185,465,000 |
| Securities held to maturity | 2,018,000 | 2,043,000 | 2,068,000 | 2,094,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 965,006,000 | 936,779,000 | 986,284,000 | 958,263,000 |
| Interest-bearing deposits | 938,219,000 | 907,405,000 | 951,470,000 | 931,541,000 |
| Noninterest-bearing deposits | 26,787,000 | 29,374,000 | 34,814,000 | 26,722,000 |
| Equity capital | 65,995,000 | 70,200,000 | 73,158,000 | 77,842,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 11,508,000 | 22,791,000 | 33,275,000 | 42,939,000 |
| Interest expense | 3,515,000 | 6,769,000 | 9,203,000 | 11,380,000 |
| Net interest income | 7,993,000 | 16,022,000 | 24,072,000 | 31,559,000 |
| Noninterest income | 3,831,000 | 5,235,000 | 5,787,000 | 6,340,000 |
| Noninterest expense | 9,975,000 | 19,780,000 | 29,574,000 | 39,444,000 |
| Provision for loan losses | 1,744,000 | 2,509,000 | 2,047,000 | 523,000 |
| Pretax income | 105,000 | 921,000 | 1,117,000 | 2,248,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 105,000 | 921,000 | 1,117,000 | 2,248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,678,000 | 76,550,000 | 76,804,000 | 80,976,000 |
| Total capital | 86,485,000 | 86,773,000 | 86,674,000 | 90,795,000 |
| Risk-weighted assets | 850,576,000 | 803,773,000 | 775,824,000 | 774,097,000 |