Call reports 2013
FNCB BANK — 2013
What FNCB BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 929,123,000 | 937,850,000 | 978,118,000 | 1,003,338,000 |
| Total loans | 617,003,000 | 643,235,000 | 657,374,000 | 644,717,000 |
| Allowance for loan losses | 18,473,000 | 18,588,000 | 17,618,000 | 14,017,000 |
| Securities available for sale | 216,839,000 | 200,576,000 | 185,604,000 | 203,857,000 |
| Securities held to maturity | 2,225,000 | 2,252,000 | 2,280,000 | 2,308,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 824,548,000 | 830,523,000 | 854,532,000 | 885,271,000 |
| Interest-bearing deposits | 797,932,000 | 803,196,000 | 825,452,000 | 842,957,000 |
| Noninterest-bearing deposits | 26,616,000 | 27,327,000 | 29,080,000 | 42,314,000 |
| Equity capital | 77,806,000 | 73,165,000 | 75,079,000 | 78,995,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 8,210,000 | 16,377,000 | 24,566,000 | 32,953,000 |
| Interest expense | 1,244,000 | 2,443,000 | 3,628,000 | 4,691,000 |
| Net interest income | 6,966,000 | 13,934,000 | 20,938,000 | 28,262,000 |
| Noninterest income | 1,622,000 | 2,908,000 | 4,361,000 | 6,202,000 |
| Noninterest expense | 8,311,000 | 16,105,000 | 23,998,000 | 32,137,000 |
| Provision for loan losses | -1,224,000 | -1,226,000 | -2,385,000 | -6,270,000 |
| Pretax income | 2,343,000 | 3,704,000 | 6,244,000 | 11,484,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,343,000 | 3,704,000 | 6,244,000 | 11,484,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,343,000 | 73,725,000 | 76,305,000 | 81,581,000 |
| Total capital | 80,705,000 | 82,233,000 | 84,828,000 | 90,037,000 |
| Risk-weighted assets | 658,229,000 | 669,968,000 | 672,232,000 | 670,418,000 |