Call reports 2014
FNCB BANK — 2014
What FNCB BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 973,656,000 | 957,504,000 | 981,760,000 | 969,655,000 |
| Total loans | 654,224,000 | 671,401,000 | 678,331,000 | 670,869,000 |
| Allowance for loan losses | 12,589,000 | 12,175,000 | 11,898,000 | 11,520,000 |
| Securities available for sale | 234,521,000 | 209,255,000 | 217,402,000 | 216,747,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 840,684,000 | 770,888,000 | 803,782,000 | 795,978,000 |
| Interest-bearing deposits | 803,009,000 | 732,147,000 | 763,120,000 | 754,975,000 |
| Noninterest-bearing deposits | 37,675,000 | 38,741,000 | 40,662,000 | 41,003,000 |
| Equity capital | 86,577,000 | 95,659,000 | 97,608,000 | 98,286,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 8,124,000 | 16,342,000 | 24,654,000 | 32,673,000 |
| Interest expense | 960,000 | 1,893,000 | 2,769,000 | 3,630,000 |
| Net interest income | 7,164,000 | 14,449,000 | 21,885,000 | 29,043,000 |
| Noninterest income | 1,831,000 | 3,369,000 | 4,423,000 | 5,848,000 |
| Noninterest expense | 7,916,000 | 15,115,000 | 22,231,000 | 31,014,000 |
| Provision for loan losses | -1,570,000 | -5,575,000 | -5,629,000 | -5,869,000 |
| Pretax income | 4,217,000 | 11,326,000 | 15,712,000 | 16,386,000 |
| Income tax | 70,000 | 160,000 | 326,000 | 326,000 |
| Net income | 4,147,000 | 11,166,000 | 15,386,000 | 16,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,740,000 | 92,808,000 | 97,096,000 | 96,817,000 |
| Total capital | 94,300,000 | 101,460,000 | 105,794,000 | 105,404,000 |
| Risk-weighted assets | 680,386,000 | 688,313,000 | 692,316,000 | 683,576,000 |