Call reports 2012
FNCB BANK — 2012
What FNCB BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,028,452,000 | 967,393,000 | 1,013,828,000 | 967,872,000 |
| Total loans | 690,213,000 | 622,653,000 | 632,488,000 | 599,547,000 |
| Allowance for loan losses | 20,664,000 | 19,600,000 | 20,527,000 | 18,536,000 |
| Securities available for sale | 195,878,000 | 186,797,000 | 211,379,000 | 185,351,000 |
| Securities held to maturity | 2,119,000 | 2,145,000 | 2,172,000 | 2,198,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 891,236,000 | 837,598,000 | 856,121,000 | 855,414,000 |
| Interest-bearing deposits | 861,447,000 | 806,031,000 | 827,353,000 | 824,971,000 |
| Noninterest-bearing deposits | 29,789,000 | 31,567,000 | 28,768,000 | 30,443,000 |
| Equity capital | 79,718,000 | 80,477,000 | 79,144,000 | 77,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 9,744,000 | 19,166,000 | 28,152,000 | 37,027,000 |
| Interest expense | 1,946,000 | 3,663,000 | 5,239,000 | 6,706,000 |
| Net interest income | 7,798,000 | 15,503,000 | 22,913,000 | 30,321,000 |
| Noninterest income | 1,471,000 | 3,108,000 | 3,853,000 | 4,895,000 |
| Noninterest expense | 9,953,000 | 19,823,000 | 30,167,000 | 40,550,000 |
| Provision for loan losses | -136,000 | -416,000 | 3,375,000 | 4,065,000 |
| Pretax income | -540,000 | -883,000 | -6,775,000 | -11,206,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -540,000 | -883,000 | -6,775,000 | -11,206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,491,000 | 80,194,000 | 74,347,000 | 69,963,000 |
| Total capital | 90,364,000 | 89,798,000 | 84,146,000 | 78,410,000 |
| Risk-weighted assets | 778,724,000 | 757,766,000 | 774,215,000 | 664,971,000 |