Fncb bancorp, inc. (FNCB)
Balance Sheet / Yearly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Dec'10
Assets
Cash and due from banks

15,243

22,861

30,900

24,277

25,683

26,673

23,051

16,500

12,323

22,755

24,881

24,169

23,571

20,562

24,558

15,847

16,367

19,544

20,631

22,443

19,985

22,657

21,532

21,429

21,929

19,295

22,858

18,564

11,451

21,710

22,918

22,363

16,953

18,956

23,396

19,932

18,934

Interest-bearing deposits in other banks

30,304

11,704

6,611

5,627

7,062

9,808

7,246

4,624

1,873

14,991

18,929

1,991

3,154

91,883

32,778

1,825

1,847

1,539

10,383

49,872

17,390

13,010

18,461

9,220

16,051

84,261

63,528

15,189

20,892

93,561

75,895

70,397

58,771

149,690

150,249

37,885

55,571

Total cash and cash equivalents

45,547

34,565

37,511

29,904

32,745

36,481

30,297

21,124

14,196

37,746

43,810

26,160

26,725

112,445

57,336

17,672

18,214

21,083

31,014

72,315

-

35,667

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Available-for-sale debt securities, at fair value

302,638

272,839

254,666

285,855

274,114

296,032

288,780

290,863

298,314

289,459

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Equity securities, at fair value

934

920

922

917

903

891

884

892

899

918

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Restricted stock, at cost

4,224

3,804

4,194

4,618

3,120

3,123

3,333

7,964

5,703

2,763

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Total cash and cash equivalents

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

37,375

-

39,993

30,649

37,980

103,556

86,386

33,753

32,343

115,271

98,813

92,760

75,724

168,646

173,645

57,817

74,505

Securities available for sale, at fair value

-

-

-

-

-

-

-

-

-

-

282,037

277,618

284,965

276,015

263,475

262,190

263,523

253,773

249,228

226,539

204,635

218,989

217,412

209,264

234,531

203,867

185,614

200,586

216,849

185,361

211,389

186,807

195,888

185,475

204,213

230,021

251,072

Securities held to maturity, at amortized cost (fair value $0 and $2,424)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

2,308

2,280

2,252

2,225

2,198

2,172

2,145

2,119

2,094

2,068

2,043

1,994

Stock in Federal Home Loan Bank of Pittsburgh, at cost

-

-

-

-

-

-

-

-

-

-

2,450

2,282

2,678

3,311

2,741

5,219

3,932

6,344

4,298

2,684

3,061

2,803

4,356

4,339

2,542

2,146

2,550

3,541

5,081

5,957

6,854

7,580

7,979

8,399

8,841

9,306

10,311

Loans held for sale

470

1,061

1,140

419

609

820

938

629

366

1,095

147

617

563

596

185

563

455

683

4,634

138

-

603

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loans held for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

171

424

69

820

884

905

847

1,615

416

-

1,735

94

1,969

1,803

3,557

Loans, net of allowance for loan and lease losses of $9,907 and $8,950

825,028

819,529

827,562

805,475

829,611

829,581

854,489

845,932

798,640

761,609

750,627

724,672

710,144

722,860

721,172

725,161

719,523

724,926

713,341

673,260

661,221

658,747

666,262

658,802

641,565

629,880

638,872

623,742

597,682

579,396

611,545

603,053

667,814

659,044

657,850

702,476

735,813

Bank premises and equipment, net

17,447

17,518

17,274

15,923

14,991

14,425

13,895

13,900

12,870

10,388

10,482

10,715

10,914

10,784

10,615

10,793

10,904

11,193

11,258

11,059

11,221

11,003

11,094

11,338

13,091

15,363

16,731

18,548

18,658

18,937

19,267

19,340

19,219

18,846

18,933

19,150

19,310

Accrued interest receivable

3,387

3,234

3,038

3,640

3,706

3,614

4,061

3,654

3,430

3,234

3,203

2,784

2,950

2,757

2,736

2,511

2,854

2,475

2,618

2,174

2,118

2,075

2,158

2,272

2,590

2,191

2,320

2,437

2,618

2,199

2,877

2,308

2,661

2,552

2,515

2,800

3,119

Refundable federal income taxes

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

55

11,637

11,637

11,637

11,688

11,612

11,612

11,612

12,445

12,411

12,409

Intangible assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

14

55

96

-

179

220

261

302

344

385

426

467

509

550

591

632

674

715

756

797

839

880

963

Bank-owned life insurance

31,359

31,230

31,104

31,275

31,146

31,015

30,873

30,732

30,594

30,460

30,332

30,203

30,068

29,933

29,807

29,670

29,527

29,381

29,232

29,087

28,952

28,817

28,663

28,498

28,334

28,167

27,992

27,816

27,633

27,461

27,292

27,122

26,953

26,769

26,577

26,377

25,982

Other real estate owned

85

289

412

560

919

919

715

787

579

1,023

1,088

1,183

1,352

2,048

2,065

1,628

1,806

3,154

1,618

1,740

2,369

2,255

2,617

3,182

3,422

4,246

4,405

2,778

3,910

3,983

5,072

5,302

6,126

6,958

7,830

8,189

9,633

Net deferred tax assets

4,950

6,278

-

-

-

10,693

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net deferred tax assets

-

-

6,691

7,537

9,194

-

16,382

16,282

16,405

15,785

23,507

23,879

25,651

26,875

23,024

23,327

24,995

27,807

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other assets

12,163

12,274

12,676

12,671

13,393

10,138

6,475

6,528

7,264

7,825

9,428

7,347

7,875

7,975

8,417

8,749

9,186

9,799

7,799

8,455

9,028

8,768

9,063

8,722

9,587

10,797

9,927

9,710

9,453

13,627

16,124

9,001

10,217

11,353

11,740

13,412

18,630

Total assets

1,248,232

1,203,541

1,197,190

1,198,794

1,214,451

1,237,732

1,251,122

1,239,287

1,189,260

1,162,305

1,157,111

1,107,460

1,103,885

1,195,599

1,121,587

1,087,538

1,085,015

1,090,618

1,055,219

1,027,671

960,241

970,029

982,133

957,875

974,137

1,003,808

978,525

938,255

929,527

968,274

1,014,183

967,745

1,028,803

1,102,639

1,129,465

1,086,685

1,167,298

Liabilities
Demand (non-interest-bearing)

181,223

179,465

179,025

157,856

157,073

156,600

166,967

177,388

172,896

176,325

162,426

147,878

156,901

173,702

157,119

144,082

162,882

154,531

152,038

144,075

134,993

124,064

148,430

125,578

127,029

157,550

141,321

124,985

121,187

131,476

133,952

139,447

131,243

124,733

138,063

94,719

93,215

Interest-bearing

820,339

822,244

785,035

803,208

883,017

939,029

928,154

777,855

782,357

826,123

820,786

784,872

766,525

841,437

773,840

691,751

720,243

667,015

700,004

721,293

640,118

671,272

654,766

644,660

708,178

727,148

712,489

704,714

702,559

723,137

311,311

259,154

272,026

336,182

330,300

327,657

349,185

Time ($100,000 and over)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

148,673

159,401

198,175

199,790

206,916

164,192

189,526

Other time

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

178,133

188,101

198,473

208,719

218,089

255,419

260,473

Total deposits

1,001,562

1,001,709

964,060

961,064

1,040,090

1,095,629

1,095,121

955,243

955,253

1,002,448

983,212

932,750

923,426

1,015,139

930,959

835,833

883,125

821,546

852,042

865,368

775,111

795,336

803,196

770,238

835,207

884,698

853,810

829,699

823,746

-

856,434

836,699

890,238

957,136

981,822

932,702

982,436

Total deposits

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

854,613

84,365

90,596

90,321

87,712

88,454

90,715

90,037

Borrowed funds:
Federal Reserve Bank Discount Window advances

10,000

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Federal Home Loan Bank of Pittsburgh advances

77,934

46,909

79,458

87,223

28,988

18,930

46,490

174,251

121,485

44,968

45,350

44,903

56,632

58,537

58,837

120,771

74,511

135,802

93,058

-

-

61,194

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Federal Home Loan Bank of Pittsburgh advances

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

57,771

67,612

-

68,786

77,378

34,534

27,123

37,213

22,301

12,388

18,593

32,621

36,001

44,586

48,261

51,911

65,828

101,887

Subordinated debentures

-

-

-

-

-

5,000

5,000

5,000

5,000

5,000

5,000

10,000

10,000

10,000

14,000

14,000

14,000

14,000

14,000

14,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

Junior subordinated debentures

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

Other debt

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

188

180

407

Total borrowed funds

98,244

57,219

89,768

97,533

39,298

34,240

61,800

189,561

136,795

60,278

60,660

65,213

76,942

78,847

83,147

145,081

98,821

160,112

117,368

82,081

102,922

96,504

104,096

112,688

-

62,433

72,523

57,611

47,698

53,903

67,931

71,311

79,896

83,571

87,409

101,318

137,604

Total borrowed funds

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

69,844

-

-

-

-

-

-

-

-

-

-

-

-

Accrued interest payable

261

258

401

389

339

338

318

331

284

241

244

235

225

242

294

311

333

11,165

11,187

11,344

10,788

10,262

10,515

9,953

9,300

8,732

8,234

7,586

7,001

6,427

5,861

5,288

4,892

4,301

3,776

3,432

2,763

Other liabilities

10,233

10,748

10,394

10,102

10,942

10,306

7,306

7,027

10,190

10,147

15,513

12,797

10,107

11,000

10,614

10,813

10,695

11,617

14,989

13,935

15,678

16,529

14,005

15,790

19,250

14,367

11,161

11,823

14,264

16,406

44,608

13,136

12,601

17,706

17,524

12,627

12,440

Total liabilities

1,110,300

1,069,934

1,064,623

1,069,088

1,090,669

1,140,513

1,164,545

1,152,162

1,102,522

1,073,114

1,059,629

1,010,995

1,010,700

1,105,228

1,025,014

992,038

992,974

1,004,440

995,586

972,728

904,499

918,631

931,812

908,669

933,601

970,230

945,728

906,719

892,709

931,349

974,834

926,434

987,627

1,062,714

1,090,531

1,050,079

1,135,243

Shareholders' equity
Preferred shares ($1.25 par) Authorized: 20,000,000 shares at March 31, 2020 and December 31, 2019 Issued and outstanding: 0 shares at March 31, 2020 and December 31, 2019

-

-

-

-

-

-

0

0

0

-

0

0

0

0

0

0

0

0

0

-

0

0

0

0

0

0

0

0

0

0

-

-

-

0

-

-

-

Common shares ($1.25 par) Authorized: 50,000,000 shares at March 31, 2020 and December 31, 2019 Issued and outstanding: 20,174,250 shares at March 31, 2020 and 20,171,408 shares at December 31, 2019

25,217

25,214

25,211

25,184

25,135

21,026

21,024

21,021

20,958

20,947

20,947

20,947

20,865

20,807

20,768

20,734

20,663

20,643

20,626

20,626

20,626

20,605

20,589

20,589

20,589

20,589

20,571

20,571

20,571

20,571

20,552

20,552

20,552

20,552

20,551

20,551

20,541

Additional paid-in capital

81,209

81,130

81,058

80,864

80,827

63,547

63,469

63,374

63,335

63,210

63,143

63,076

62,841

62,593

62,381

62,210

62,069

62,059

61,939

61,870

61,801

61,781

61,692

61,664

61,637

61,627

61,584

61,584

61,584

61,584

61,557

61,557

61,557

61,557

61,556

61,556

61,539

Retained earnings

25,155

24,207

21,733

20,345

18,809

17,186

10,965

9,792

8,057

6,779

13,282

11,517

10,228

8,531

7,506

5,820

4,527

3,714

-25,495

-27,832

-28,651

-32,126

-32,095

-35,453

-42,033

-45,546

-47,590

-49,477

-50,197

-51,928

-46,870

-40,349

-39,382

-38,217

-38,653

-38,219

-37,882

Unrealized holding gain on available-for-sale securities, net of taxes

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

6,882

3,870

2,780

497

526

-1,814

-6,174

Unrealized non-credit holding loss on OTTI available-for-sale securities, net of taxes

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,772

4,319

4,331

4,464

5,046

5,468

5,969

Accumulated other comprehensive income

6,351

3,056

4,565

3,313

-989

-4,540

-8,881

-7,062

-5,612

-1,745

110

925

-749

-1,560

5,918

6,736

4,782

-238

2,563

279

1,966

1,138

135

2,406

343

-3,092

-1,768

-1,142

4,860

6,698

4,110

-449

-1,551

-3,967

-4,520

-7,282

-12,143

Total shareholders' equity

137,932

133,607

132,567

129,706

123,782

97,219

86,577

87,125

86,738

89,191

97,482

96,465

93,185

90,371

96,573

95,500

92,041

86,178

59,633

54,943

55,742

51,398

50,321

49,206

40,536

33,578

32,797

31,536

36,818

36,925

39,349

41,311

41,176

39,925

38,934

36,606

32,055

Total liabilities and shareholders’ equity

1,248,232

1,203,541

1,197,190

1,198,794

1,214,451

1,237,732

1,251,122

1,239,287

1,189,260

1,162,305

1,157,111

1,107,460

1,103,885

1,195,599

1,121,587

1,087,538

1,085,015

1,090,618

1,055,219

1,027,671

960,241

970,029

982,133

957,875

974,137

1,003,808

978,525

938,255

929,527

968,274

1,014,183

967,745

1,028,803

1,102,639

1,129,465

1,086,685

1,167,298