Call reports 2023
FNCB BANK — 2023
What FNCB BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,789,699,000 | 1,845,067,000 | 1,811,489,000 | 1,859,437,000 |
| Total loans | 1,163,789,000 | 1,200,595,000 | 1,205,752,000 | 1,220,265,000 |
| Allowance for loan losses | 12,279,000 | 12,873,000 | 12,149,000 | 11,986,000 |
| Securities available for sale | 472,463,000 | 452,225,000 | 436,484,000 | 450,139,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 761,000 | 1,288,000 | 1,670,000 | 1,438,000 |
| Total deposits | 1,463,482,000 | 1,476,264,000 | 1,502,632,000 | 1,530,862,000 |
| Interest-bearing deposits | 1,182,192,000 | 1,190,390,000 | 1,204,635,000 | 1,243,435,000 |
| Noninterest-bearing deposits | 281,290,000 | 285,874,000 | 297,997,000 | 287,427,000 |
| Equity capital | 116,615,000 | 116,913,000 | 112,980,000 | 121,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 18,485,000 | 38,238,000 | 59,390,000 | 81,344,000 |
| Interest expense | 6,928,000 | 15,061,000 | 23,980,000 | 33,403,000 |
| Net interest income | 11,557,000 | 23,177,000 | 35,410,000 | 47,941,000 |
| Noninterest income | 1,962,000 | 3,849,000 | 5,769,000 | 7,923,000 |
| Noninterest expense | 9,042,000 | 17,227,000 | 26,114,000 | 35,708,000 |
| Provision for loan losses | 975,000 | 1,774,000 | 1,504,000 | 1,880,000 |
| Pretax income | 3,947,000 | 8,772,000 | 14,506,000 | 19,341,000 |
| Income tax | 697,000 | 1,568,000 | 2,277,000 | 3,374,000 |
| Net income | 3,250,000 | 7,204,000 | 12,229,000 | 15,967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 159,174,000 | 163,130,000 | 168,156,000 | 161,896,000 |
| Total capital | 173,402,000 | 177,726,000 | 181,794,000 | 175,296,000 |
| Risk-weighted assets | 1,337,091,000 | 1,369,856,000 | 1,376,706,000 | 1,382,650,000 |