Call reports 2022
FNCB BANK — 2022
What FNCB BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,642,809,000 | 1,686,057,000 | 1,697,154,000 | 1,723,486,000 |
| Total loans | 1,036,399,000 | 1,089,415,000 | 1,111,478,000 | 1,124,378,000 |
| Allowance for loan losses | 13,129,000 | 13,381,000 | 13,819,000 | 14,193,000 |
| Securities available for sale | 513,438,000 | 494,927,000 | 471,795,000 | 475,435,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 386,000 | 571,000 | 997,000 | 931,000 |
| Total deposits | 1,417,508,000 | 1,430,423,000 | 1,504,355,000 | 1,420,868,000 |
| Interest-bearing deposits | 1,094,052,000 | 1,109,219,000 | 1,181,747,000 | 1,114,797,000 |
| Noninterest-bearing deposits | 323,456,000 | 321,204,000 | 322,608,000 | 306,071,000 |
| Equity capital | 135,819,000 | 125,006,000 | 112,769,000 | 106,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 13,144,000 | 27,382,000 | 43,105,000 | 60,573,000 |
| Interest expense | 355,000 | 943,000 | 2,680,000 | 6,374,000 |
| Net interest income | 12,789,000 | 26,439,000 | 40,425,000 | 54,199,000 |
| Noninterest income | 1,913,000 | 3,685,000 | 5,737,000 | 8,226,000 |
| Noninterest expense | 8,458,000 | 16,602,000 | 25,491,000 | 34,961,000 |
| Provision for loan losses | 759,000 | 821,000 | 1,334,000 | 1,962,000 |
| Pretax income | 5,438,000 | 12,582,000 | 19,171,000 | 25,153,000 |
| Income tax | 917,000 | 2,164,000 | 3,265,000 | 4,277,000 |
| Net income | 4,521,000 | 10,418,000 | 15,906,000 | 20,876,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 153,481,000 | 159,379,000 | 164,870,000 | 154,842,000 |
| Total capital | 167,241,000 | 173,466,000 | 179,732,000 | 169,984,000 |
| Risk-weighted assets | 1,186,085,000 | 1,247,010,000 | 1,269,193,000 | 1,296,619,000 |