Call reports 2021
FNCB BANK — 2021
What FNCB BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,494,720,000 | 1,520,124,000 | 1,660,517,000 | 1,657,985,000 |
| Total loans | 932,210,000 | 977,180,000 | 958,899,000 | 979,439,000 |
| Allowance for loan losses | 12,076,000 | 12,285,000 | 12,018,000 | 12,416,000 |
| Securities available for sale | 407,396,000 | 432,807,000 | 469,577,000 | 521,830,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 137,000 | 66,000 | 112,000 | 92,000 |
| Total deposits | 1,331,019,000 | 1,342,251,000 | 1,484,612,000 | 1,466,007,000 |
| Interest-bearing deposits | 1,003,296,000 | 1,025,770,000 | 1,160,115,000 | 1,134,939,000 |
| Noninterest-bearing deposits | 327,723,000 | 316,481,000 | 324,497,000 | 331,068,000 |
| Equity capital | 151,636,000 | 159,858,000 | 163,351,000 | 155,341,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 12,201,000 | 24,957,000 | 38,284,000 | 51,531,000 |
| Interest expense | 798,000 | 1,516,000 | 2,098,000 | 2,514,000 |
| Net interest income | 11,403,000 | 23,441,000 | 36,186,000 | 49,017,000 |
| Noninterest income | 2,190,000 | 3,860,000 | 5,541,000 | 7,338,000 |
| Noninterest expense | 7,104,000 | 14,202,000 | 21,628,000 | 30,713,000 |
| Provision for loan losses | 186,000 | 341,000 | -172,000 | 166,000 |
| Pretax income | 6,504,000 | 12,959,000 | 20,466,000 | 25,662,000 |
| Income tax | 981,000 | 2,112,000 | 3,356,000 | 4,487,000 |
| Net income | 5,523,000 | 10,847,000 | 17,110,000 | 21,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 143,299,000 | 148,626,000 | 154,891,000 | 148,958,000 |
| Total capital | 155,324,000 | 161,396,000 | 167,309,000 | 161,957,000 |
| Risk-weighted assets | 961,320,000 | 1,028,533,000 | 1,051,709,000 | 1,105,466,000 |