Call reports 2017
FNCB BANK — 2017
What FNCB BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 1,103,775,000 | 1,107,053,000 | 1,155,551,000 | 1,160,233,000 |
| Total loans | 719,014,000 | 733,758,000 | 759,635,000 | 771,738,000 |
| Allowance for loan losses | 8,306,000 | 8,469,000 | 8,862,000 | 9,034,000 |
| Securities available for sale | 281,751,000 | 274,409,000 | 278,835,000 | 287,447,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 924,121,000 | 933,137,000 | 983,315,000 | 1,002,550,000 |
| Interest-bearing deposits | 871,540,000 | 884,702,000 | 939,941,000 | 952,476,000 |
| Noninterest-bearing deposits | 52,581,000 | 48,435,000 | 43,374,000 | 50,074,000 |
| Equity capital | 115,579,000 | 118,818,000 | 113,760,000 | 104,827,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 8,938,000 | 18,122,000 | 27,727,000 | 37,847,000 |
| Interest expense | 875,000 | 1,831,000 | 2,937,000 | 4,120,000 |
| Net interest income | 8,063,000 | 16,291,000 | 24,790,000 | 33,727,000 |
| Noninterest income | 1,265,000 | 2,386,000 | 3,671,000 | 5,326,000 |
| Noninterest expense | 6,840,000 | 13,486,000 | 19,750,000 | 27,501,000 |
| Provision for loan losses | -478,000 | -57,000 | 486,000 | 769,000 |
| Pretax income | 3,244,000 | 6,219,000 | 9,563,000 | 12,380,000 |
| Income tax | 806,000 | 1,716,000 | 2,543,000 | 11,288,000 |
| Net income | 2,438,000 | 4,503,000 | 7,020,000 | 1,092,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 97,356,000 | 99,828,000 | 96,411,000 | 94,858,000 |
| Total capital | 105,920,000 | 108,564,000 | 105,545,000 | 104,273,000 |
| Risk-weighted assets | 795,514,000 | 807,431,000 | 834,412,000 | 834,962,000 |