Company Quick10K Filing
FNCB Bancorp
Price7.85 EPS0
Shares20 P/E21
MCap158 P/FCF17
Net Debt52 EBIT21
TEV211 TEV/EBIT10
TTM 2019-09-30, in MM, except price, ratios
10-Q 2021-03-31 Filed 2021-05-07
10-K 2020-12-31 Filed 2021-03-12
10-Q 2020-09-30 Filed 2020-11-02
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10-K 2019-12-31 Filed 2020-03-09
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10-K 2012-12-31 Filed 2013-03-28
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8-K 2021-02-22
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8-K 2018-07-20
8-K 2018-07-05
8-K 2018-05-16
8-K 2018-05-16
8-K 2018-04-25
8-K 2018-04-20
8-K 2018-04-06
8-K 2018-02-28
8-K 2018-01-31
8-K 2018-01-31
8-K 2018-01-24
8-K 2018-01-05

FNCB 10Q Quarterly Report

Note 1.   Basis of Presentation
Note 2.   New Authoritative Accounting Guidance
Note 3. Securities
Note 4. Loans/Subsequent Event
Note 5. Income Taxes
Note 6.  Related Party Transactions
Note 7. Commitments and Contingencies
Note 8. Stock Compensation Plans
Note 9. Regulatory Matters/Subsequent Events
Note 10. Fair Value Measurements
Note 11. Earnings per Share
Note 12. Other Comprehensive Income
EX-31.1 ex_238898.htm
EX-31.2 ex_238899.htm
EX-32.1 ex_238900.htm

FNCB Bancorp Earnings 2021-03-31

Balance SheetIncome StatementCash Flow
1.31.00.80.50.30.02012201420172020
Assets, Equity
0.10.10.10.00.00.02018201820192020
Rev, G Profit, Net Income
0.10.10.0-0.0-0.1-0.12012201420172020
Ops, Inv, Fin

fncb20180331_10q.htm
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Table of Contents



UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C.  20549

 


 

FORM 10-Q

 

(Mark One)

 

QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

 

For the quarterly period ended March 31, 2021

 

OR

 

 

TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

 

For the transition period from           to       

 

Commission File No. 001-38408

 

FNCB BANCORP, INC.

(Exact Name of Registrant as Specified in Its Charter)

 

Pennsylvania

 

23-2900790

(State or Other Jurisdiction

of Incorporation or Organization)

 

(I.R.S. Employer

Identification No.)

   

102 E. Drinker St., Dunmore, PA

 

18512

(Address of Principal Executive Offices)

 

(Zip Code)

(570) 346-7667

Registrant’s telephone number, including area code 

 
Securities registered pursuant to Section 12(b) of the Act:

 

Title of each classTrading Symbol(s)Name of each exchange on which registered
Common stock, $1.25 par valueFNCBNasdaq Capital Market

 

Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☒ No ☐

 

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No ☐

 

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or emerging growth company.  See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

 

Large accelerated filer ☐

 

Accelerated filer ☐

Non-accelerated filer ☒ 

 Smaller reporting company

 

 

 

Emerging growth company

 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

 

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes  No ☒

 

Indicate the number of shares outstanding of each of the issuer’s classes of common stock as of the latest practicable date: 20,224,666 shares as of April 30, 2021

 

 

 
Contents  
PART I. Financial Information 1
Item 1. Financial Statements (unaudited) 1
Consolidated Statements of Financial Condition 1
Consolidated Statements of Income 2
Consolidated Statements of Comprehensive Income  3
Consolidated Statements of Changes in Shareholders’ Equity 4
Consolidated Statements of Cash Flows 5
Notes to Consolidated Financial Statements 6
Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations 25
Item 3. Quantitative and Qualitative Disclosures about Market Risk 43
Item 4. Controls and Procedures 43
PART II.  Other Information 44
Item 1. Legal Proceedings. 44
Item 1A. Risk Factors. 44
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds. 44
Item 3. Defaults upon Senior Securities. 44
Item 4. Mine Safety Disclosures. 44
Item 5. Other Information. 44
Item 6. Exhibits. 45

     

 

 

Part I - Financial Information

Item 1 - Financial Statements

FNCB BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

(unaudited)

 

  

March 31,

  

December 31,

 

(in thousands, except share data)

 

2021

  

2020

 

Assets

        

Cash and cash equivalents:

        

Cash and due from banks

 $22,382  $24,822 

Interest-bearing deposits in other banks

  76,172   130,989 

Total cash and cash equivalents

  98,554   155,811 

Available-for-sale debt securities, at fair value

  407,396   350,035 
Equity securities, at fair value  4,267   3,026 

Restricted stock, at cost

  1,149   1,745 

Loans held for sale

  267   2,107 

Loans, net of allowance for loan and lease losses of $12,076 and $11,950

  919,867   889,152 

Bank premises and equipment, net

  17,407   17,579 

Accrued interest receivable

  4,567   4,286 

Bank-owned life insurance

  33,074   31,712 

Other assets

  13,488   10,226 

Total assets

 $1,500,036  $1,465,679 
         

Liabilities

        

Deposits:

        

Demand (non-interest-bearing)

 $319,532  $271,499 

Interest-bearing

  1,003,296   1,015,949 

Total deposits

  1,322,828   1,287,448 

Borrowed funds:

        

Federal Home Loan Bank of Pittsburgh advances

  -   - 

Junior subordinated debentures

  10,310   10,310 

Total borrowed funds

  10,310   10,310 

Accrued interest payable

  99   108 

Accrued income tax expense

  590   - 

Other liabilities

  11,279   11,953 

Total liabilities

  1,345,106   1,309,819 
         

Shareholders' equity

        

Preferred shares ($1.25 par)

        

Authorized: 20,000,000 shares at March 31, 2021 and December 31, 2020

        

Issued and outstanding: 0 shares at March 31, 2021 and December 31, 2020

  -   - 

Common shares ($1.25 par)

        

Authorized: 50,000,000 shares at March 31, 2021 and December 31, 2020

        

Issued and outstanding: 20,240,668 shares at March 31, 2021 and 20,245,649 shares at December 31, 2020

  25,300   25,307 

Additional paid-in capital

  81,640   81,587 

Retained earnings

  39,691   35,080 

Accumulated other comprehensive income

  8,299   13,886 

Total shareholders' equity

  154,930   155,860 

Total liabilities and shareholders’ equity

 $1,500,036  $1,465,679 

 

The accompanying notes to consolidated financial statements are an integral part of these statements.

 

 

 

 

FNCB BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF INCOME

(unaudited)

 

   

Three Months Ended March 31,

 

(in thousands, except share data)

 

2021

   

2020

 

Interest income

               

Interest and fees on loans

  $ 9,786     $ 9,139  

Interest and dividends on securities:

               

Taxable

    1,906       1,852  

Tax-exempt

    486       57  

Dividends

    62       75  

Total interest and dividends on securities

    2,454       1,984  

Interest on interest-bearing deposits in other banks

    3       21  

Total interest income

    12,243       11,144  

Interest expense

               

Interest on deposits

    798       1,660  

Interest on borrowed funds:

               

Federal Home Loan Bank of Pittsburgh advances

    -       219  

Junior subordinated debentures

    48       88  

Total interest on borrowed funds

    48       307  

Total interest expense

    846       1,967  

Net interest income before provision for loan and lease losses

    11,397       9,177  

Provision for loan and lease losses

    186       1,151  

Net interest income after provision for loan and lease losses

    11,211       8,026  

Non-interest income

               

Deposit service charges

    874       825  

Net gain on the sale of available-for-sale debt securities

    213       149  

Net gain on equity securities

    364       14  

Net gain on the sale of mortgage loans held for sale

    224       96  

Loan-related fees

    133       56  

Income from bank-owned life insurance

    121       129  

Bank-owned life insurance settlement

    422       -  

Merchant services revenue

    138       135  

Other

    285       290  

Total non-interest income

    2,774       1,694  

Non-interest expense

               

Salaries and employee benefits

    3,736       3,929  

Occupancy expense

    609       554  

Equipment expense

    353       371  

Advertising expense

    117       207  

Data processing expense

    819       725  

Regulatory assessments

    188       59  

Bank shares tax

    315       300  

Professional fees

    259       188  

Other operating expenses

    775       872  

Total non-interest expense

    7,171       7,205  

Income before income tax expense

    6,814       2,515  

Income tax expense

    981       452  

Net income

  $ 5,833     $ 2,063  
                 

Earnings per share

               

Basic

  $ 0.29     $ 0.10  

Diluted

  $ 0.29     $ 0.10  
                 

Cash dividends declared per common share

  $ 0.060     $ 0.055  

WEIGHTED AVERAGE NUMBER OF SHARES OUTSTANDING:

               

Basic

    20,242,262       20,172,498  

Diluted

    20,253,606       20,176,565  

 

The accompanying notes to consolidated financial statements are an integral part of these statements.

 

 

 

FNCB BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME 

(unaudited)

 

   

Three Months Ended March 31,

 

(in thousands)

 

2021

   

2020

 

Net income

  $ 5,833     $ 2,063  

Other comprehensive (loss) income:

               

Unrealized (losses) gains on available-for-sale debt securities

    (7,067 )     4,336  

Taxes

    1,484       (911 )

Net of tax amount

    (5,583 )     3,425  
                 

Reclassification adjustment for gains included in net income

    (213 )     (149 )

Taxes

    45       32  

Net of tax amount

    (168 )     (117 )
                 

Derivative adjustments

    208       (16 )

Taxes

    (44 )     3  

Net of tax amount

    164       (13 )

Total other comprehensive (loss) income

    (5,587 )     3,295  

Comprehensive income

  $ 246     $ 5,358  

 

The accompanying notes to consolidated financial statements are an integral part of these statements.

 

 

 

FNCB BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY

For the Three Months Ended March 31, 2021 and 2020

(unaudited)

 

(in thousands, except per share data)

 

Number of Common Shares

  

Common Stock

  

Additional Paid-in Capital

  

Retained Earnings

  

Accumulated Other Comprehensive Income

  

Total Shareholders' Equity

 
Balances, December 31, 2019  20,171,408  $25,214  $81,130  $24,207  $3,056  $133,607 

Net income for the period

  -   -   -   2,063   -   2,063 

Cash dividends paid, $0.055 per share

  -   -   -   (1,110)  -   (1,110)

Restricted stock awards

  -   -   62   -   -   62 
Common shares issued through dividend reinvestment/optional cash purchase plan  2,842   3   17   (5)  -   15 

Other comprehensive income, net of tax of $876

  -   -   -   -   3,295   3,295 

Balances, March 31, 2020

  20,174,250  $25,217  $81,209  $25,155  $6,351  $137,932 
                         
Balances, December 31, 2020  20,245,649  $25,307  $81,587  $35,080  $13,886  $155,860 
Net income for the period  -   -   -   5,833   -   5,833 
Cash dividends paid, $0.060 per share  -   -   -   (1,215)  -   (1,215)

Restricted stock awards

  -   -   80   -   -   80 
Repurchase of common shares  (8,188)  (11)  (46)  -   -   (57)
Common shares issued through dividend reinvestment/optional cash purchase plan  3,207   4   19   (7)  -   16 
Other comprehensive loss, net of tax of $1,485  -   -   -   -   (5,587)  (5,587)
Balances, March 31, 2021  20,240,668  $25,300  $81,640  $39,691  $8,299  $154,930 

 

The accompanying notes to consolidated financial statements are an integral part of these statements.

 

 

 

FNCB BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CASH FLOWS

(unaudited)

 

   

Three Months Ended March 31,

 

(in thousands)

 

2021

   

2020

 

Cash flows from operating activities:

               
Net income   $ 5,833     $ 2,063  

Adjustments to reconcile net income to net cash provided by operating activities:

               

Investment securities amortization, net

    362       120  

Equity in trust

    (1 )     (3 )
Depreciation of bank premises and equipment     389       408  
Amortization of loan origination (fees) costs     (1,262 )     336  

Valuation adjustment for loan servicing rights

    (5 )     23  

Stock-based compensation expense

    80       62  
Provision for loan and lease losses     186       1,151  

Valuation adjustment for off-balance sheet commitments

    (15 )     2  
Net gain on the sale of available-for-sale debt securities     (213 )     (149 )
Net gain on equity securities     (364 )     (14 )
Net gain on the sale of mortgage loans held for sale     (224 )     (96 )
Bank-owned life insurance settlement     (422 )     -  
Income from bank-owned life insurance     (121 )     (129 )
Proceeds from the sale of mortgage loans held for sale     4,533       2,982  
Funds used to originate mortgage loans held for sale     (2,469 )     (2,295 )

Decrease in net deferred tax assets

    391       452