Call reports 2019
FNCB BANK — 2019
What FNCB BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,208,949,000 | 1,194,293,000 | 1,193,693,000 | 1,191,136,000 |
| Total loans | 839,473,000 | 814,839,000 | 838,017,000 | 829,540,000 |
| Allowance for loan losses | 9,253,000 | 8,945,000 | 9,315,000 | 8,950,000 |
| Securities available for sale | 271,692,000 | 283,427,000 | 252,482,000 | 272,145,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,040,329,000 | 961,131,000 | 964,231,000 | 1,001,785,000 |
| Interest-bearing deposits | 883,017,000 | 803,208,000 | 785,035,000 | 822,244,000 |
| Noninterest-bearing deposits | 157,312,000 | 157,923,000 | 179,196,000 | 179,541,000 |
| Equity capital | 128,224,000 | 135,280,000 | 139,061,000 | 131,194,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 11,570,000 | 23,012,000 | 34,506,000 | 45,979,000 |
| Interest expense | 2,525,000 | 4,922,000 | 7,271,000 | 9,342,000 |
| Net interest income | 9,045,000 | 18,090,000 | 27,235,000 | 36,637,000 |
| Noninterest income | 1,341,000 | 2,741,000 | 4,171,000 | 6,269,000 |
| Noninterest expense | 7,368,000 | 14,376,000 | 21,655,000 | 29,325,000 |
| Provision for loan losses | -154,000 | 193,000 | 830,000 | 797,000 |
| Pretax income | 3,344,000 | 6,611,000 | 9,654,000 | 14,040,000 |
| Income tax | 555,000 | 1,069,000 | 1,582,000 | 2,326,000 |
| Net income | 2,789,000 | 5,542,000 | 8,072,000 | 11,714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 123,452,000 | 126,721,000 | 129,765,000 | 123,753,000 |
| Total capital | 132,980,000 | 135,999,000 | 139,580,000 | 133,406,000 |
| Risk-weighted assets | 917,527,000 | 891,575,000 | 908,390,000 | 902,575,000 |