Call reports 2015
FNCB BANK — 2015
What FNCB BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 959,856,000 | 1,027,280,000 | 1,054,830,000 | 1,090,219,000 |
| Total loans | 672,165,000 | 683,726,000 | 727,799,000 | 734,399,000 |
| Allowance for loan losses | 10,944,000 | 10,328,000 | 9,825,000 | 8,790,000 |
| Securities available for sale | 202,380,000 | 224,294,000 | 246,047,000 | 250,601,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 775,468,000 | 867,097,000 | 853,367,000 | 822,632,000 |
| Interest-bearing deposits | 733,345,000 | 824,184,000 | 800,412,000 | 776,658,000 |
| Noninterest-bearing deposits | 42,122,000 | 42,913,000 | 52,955,000 | 45,974,000 |
| Equity capital | 103,233,000 | 90,572,000 | 95,490,000 | 122,182,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,697,000 | 15,396,000 | 23,594,000 | 32,201,000 |
| Interest expense | 802,000 | 1,564,000 | 2,370,000 | 3,145,000 |
| Net interest income | 6,895,000 | 13,832,000 | 21,224,000 | 29,056,000 |
| Noninterest income | 1,181,000 | 2,534,000 | 3,830,000 | 5,289,000 |
| Noninterest expense | 6,736,000 | 13,207,000 | 19,456,000 | 27,973,000 |
| Provision for loan losses | -494,000 | -149,000 | -340,000 | -1,345,000 |
| Pretax income | 4,058,000 | 5,606,000 | 8,240,000 | 10,013,000 |
| Income tax | -62,000 | -40,000 | -40,000 | -27,759,000 |
| Net income | 4,120,000 | 5,646,000 | 8,280,000 | 37,772,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 101,137,000 | 90,171,000 | 92,821,000 | 100,949,000 |
| Total capital | 109,829,000 | 99,165,000 | 102,466,000 | 110,039,000 |
| Risk-weighted assets | 692,708,000 | 717,806,000 | 771,003,000 | 795,490,000 |