Call reports 2020
FNCB BANK — 2020
What FNCB BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,242,099,000 | 1,413,229,000 | 1,438,608,000 | 1,451,413,000 |
| Total loans | 835,405,000 | 949,193,000 | 960,891,000 | 903,209,000 |
| Allowance for loan losses | 9,907,000 | 11,024,000 | 12,269,000 | 11,950,000 |
| Securities available for sale | 301,941,000 | 304,916,000 | 321,399,000 | 350,035,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 23,000 |
| Total deposits | 1,001,685,000 | 1,169,763,000 | 1,272,382,000 | 1,287,632,000 |
| Interest-bearing deposits | 820,339,000 | 902,781,000 | 998,128,000 | 1,015,949,000 |
| Noninterest-bearing deposits | 181,346,000 | 266,982,000 | 274,254,000 | 271,683,000 |
| Equity capital | 141,675,000 | 150,250,000 | 155,136,000 | 151,700,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 11,124,000 | 22,314,000 | 33,592,000 | 46,262,000 |
| Interest expense | 1,879,000 | 3,429,000 | 4,833,000 | 5,909,000 |
| Net interest income | 9,245,000 | 18,885,000 | 28,759,000 | 40,353,000 |
| Noninterest income | 1,529,000 | 3,100,000 | 4,764,000 | 6,516,000 |
| Noninterest expense | 7,148,000 | 13,501,000 | 21,242,000 | 28,575,000 |
| Provision for loan losses | 1,151,000 | 1,982,000 | 2,056,000 | 1,941,000 |
| Pretax income | 2,638,000 | 7,591,000 | 11,745,000 | 17,894,000 |
| Income tax | 452,000 | 1,257,000 | 1,945,000 | 3,219,000 |
| Net income | 2,186,000 | 6,334,000 | 9,800,000 | 14,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 131,394,000 | 136,347,000 | 140,608,000 | 137,356,000 |
| Total capital | 142,005,000 | 148,032,000 | 152,467,000 | 149,171,000 |
| Risk-weighted assets | 919,761,000 | 944,435,000 | 947,545,000 | 944,368,000 |