Call reports 2018
FNCB BANK — 2018
What FNCB BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,187,192,000 | 1,237,195,000 | 1,249,020,000 | 1,229,515,000 |
| Total loans | 808,566,000 | 856,020,000 | 865,254,000 | 839,919,000 |
| Allowance for loan losses | 9,562,000 | 9,459,000 | 9,827,000 | 9,519,000 |
| Securities available for sale | 295,403,000 | 287,958,000 | 285,871,000 | 293,619,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 955,436,000 | 955,406,000 | 1,095,378,000 | 1,095,750,000 |
| Interest-bearing deposits | 782,357,000 | 777,855,000 | 928,154,000 | 939,029,000 |
| Noninterest-bearing deposits | 173,079,000 | 177,551,000 | 167,224,000 | 156,721,000 |
| Equity capital | 102,191,000 | 100,243,000 | 99,515,000 | 104,134,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 10,440,000 | 21,674,000 | 33,367,000 | 45,082,000 |
| Interest expense | 1,419,000 | 3,260,000 | 5,534,000 | 7,950,000 |
| Net interest income | 9,021,000 | 18,414,000 | 27,833,000 | 37,132,000 |
| Noninterest income | 1,519,000 | 3,056,000 | 4,307,000 | 11,712,000 |
| Noninterest expense | 7,080,000 | 13,954,000 | 20,987,000 | 28,845,000 |
| Provision for loan losses | 720,000 | 1,600,000 | 2,749,000 | 2,550,000 |
| Pretax income | 2,721,000 | 5,886,000 | 8,366,000 | 17,418,000 |
| Income tax | 426,000 | 934,000 | 1,322,000 | 3,071,000 |
| Net income | 2,295,000 | 4,952,000 | 7,044,000 | 14,347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,805,000 | 96,810,000 | 98,293,000 | 102,355,000 |
| Total capital | 106,739,000 | 106,595,000 | 108,391,000 | 112,128,000 |
| Risk-weighted assets | 882,329,000 | 930,267,000 | 939,143,000 | 921,129,000 |