Call reports 2016
FNCB BANK — 2016
What FNCB BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,084,619,000 | 1,087,112,000 | 1,121,186,000 | 1,194,960,000 |
| Total loans | 728,614,000 | 734,284,000 | 729,847,000 | 734,875,000 |
| Allowance for loan losses | 8,635,000 | 8,560,000 | 8,490,000 | 8,419,000 |
| Securities available for sale | 260,291,000 | 258,932,000 | 260,209,000 | 269,450,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 884,136,000 | 836,273,000 | 931,171,000 | 1,015,779,000 |
| Interest-bearing deposits | 838,334,000 | 785,774,000 | 882,878,000 | 952,893,000 |
| Noninterest-bearing deposits | 45,802,000 | 50,499,000 | 48,293,000 | 62,886,000 |
| Equity capital | 117,636,000 | 121,552,000 | 123,014,000 | 112,106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 8,544,000 | 17,207,000 | 25,971,000 | 34,748,000 |
| Interest expense | 790,000 | 1,620,000 | 2,482,000 | 3,325,000 |
| Net interest income | 7,754,000 | 15,587,000 | 23,489,000 | 31,423,000 |
| Noninterest income | 1,227,000 | 2,323,000 | 3,670,000 | 5,066,000 |
| Noninterest expense | 6,727,000 | 13,493,000 | 19,974,000 | 27,078,000 |
| Provision for loan losses | 696,000 | 1,092,000 | 858,000 | 1,153,000 |
| Pretax income | 1,661,000 | 4,285,000 | 7,287,000 | 9,218,000 |
| Income tax | 226,000 | 887,000 | 1,611,000 | 1,747,000 |
| Net income | 1,435,000 | 3,398,000 | 5,676,000 | 7,471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,460,000 | 94,120,000 | 97,139,000 | 94,115,000 |
| Total capital | 100,343,000 | 102,930,000 | 105,864,000 | 102,783,000 |
| Risk-weighted assets | 788,609,000 | 793,842,000 | 790,170,000 | 802,610,000 |