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 2020-06-30 Filed 2020-08-03
10-Q 2020-03-31 Filed 2020-05-04
10-K 2019-12-31 Filed 2020-03-09
10-Q 2019-09-30 Filed 2019-11-05
10-Q 2019-06-30 Filed 2019-08-05
10-Q 2019-03-31 Filed 2019-05-03
10-K 2018-12-31 Filed 2019-03-08
10-Q 2018-09-30 Filed 2018-10-31
10-Q 2018-06-30 Filed 2018-08-03
10-Q 2018-03-31 Filed 2018-05-04
10-K 2017-12-31 Filed 2018-03-09
10-Q 2017-09-30 Filed 2017-11-07
10-Q 2017-06-30 Filed 2017-08-04
10-Q 2017-03-31 Filed 2017-05-05
10-K 2016-12-31 Filed 2017-03-10
10-Q 2016-09-30 Filed 2016-11-04
10-Q 2016-06-30 Filed 2016-08-05
10-Q 2016-03-31 Filed 2016-05-06
10-K 2015-12-31 Filed 2016-03-11
10-Q 2015-09-30 Filed 2015-11-06
10-Q 2015-06-30 Filed 2015-08-07
10-Q 2015-03-31 Filed 2015-05-08
10-K 2014-12-31 Filed 2015-03-13
10-Q 2014-09-30 Filed 2014-11-10
10-Q 2014-06-30 Filed 2014-08-11
10-Q 2014-03-31 Filed 2014-05-12
10-K 2013-12-31 Filed 2014-03-24
10-Q 2013-09-30 Filed 2013-11-12
10-Q 2013-06-30 Filed 2013-08-13
10-Q 2013-03-31 Filed 2013-05-14
10-K 2012-12-31 Filed 2013-03-28
10-Q 2012-09-30 Filed 2012-11-14
10-Q 2012-06-30 Filed 2012-08-24
10-Q 2012-03-31 Filed 2012-08-24
10-K 2011-12-31 Filed 2012-08-10
10-Q 2011-09-30 Filed 2012-08-10
10-Q 2010-08-09 Filed 2010-08-09
10-Q 2010-03-31 Filed 2010-05-10
10-K 2010-03-16 Filed 2010-03-16
8-K 2020-09-03 Regulation FD, Exhibits
8-K 2020-07-31 Other Events, Exhibits
8-K 2020-07-20 Earnings, Exhibits
8-K 2020-07-02 Other Events, Exhibits
8-K 2020-07-01 Regulation FD, Exhibits
8-K 2020-05-13
8-K 2020-05-13
8-K 2020-04-29
8-K 2020-04-27
8-K 2020-03-25
8-K 2020-01-24
8-K 2020-01-22
8-K 2019-10-30
8-K 2019-10-21
8-K 2019-07-25
8-K 2019-07-01
8-K 2019-05-15
8-K 2019-05-15
8-K 2019-04-24
8-K 2019-04-22
8-K 2019-04-22
8-K 2019-02-05
8-K 2019-01-30
8-K 2019-01-28
8-K 2019-01-25
8-K 2018-12-21
8-K 2018-12-19
8-K 2018-12-14
8-K 2018-11-14
8-K 2018-10-31
8-K 2018-10-22
8-K 2018-10-19
8-K 2018-09-27
8-K 2018-08-14
8-K 2018-08-08
8-K 2018-07-30
8-K 2018-07-26
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/Subsequent Event
Note 2.   New Authoritative Accounting Guidance
Note 3. Securities/Subsequent Event
Note 4. Loans
Note 5. Deposits
Note 6. Borrowings
Note 7. Derivative and Hedging Transactions
Note 8. Income Taxes
Note 9.  Related Party Transactions
Note 10. Commitments and Contingencies
Note 11. Stock Compensation Plans/Subsequent Event
Note 12. Regulatory Matters
Note 13. Fair Value Measurements
Note 14. Earnings per Share
Note 15. Other Comprehensive Income
EX-31.1 ex_190561.htm
EX-31.2 ex_190562.htm
EX-32.1 ex_190563.htm

FNCB Bancorp Earnings 2020-06-30

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 June 30, 2020

 

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: 20,235,282 shares as of August 3, 2020

 

 

 
Contents  
PART I. Financial Information 3
Item 1. Financial Statements (unaudited) 3
Consolidated Statements of Financial Condition 3
Consolidated Statements of Income 4
Consolidated Statements of Comprehensive Income  5
Consolidated Statements of Changes in Shareholders’ Equity 6
Consolidated Statements of Cash Flows 7
Notes to Consolidated Financial Statements 8
Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations 30
Item 3. Quantitative and Qualitative Disclosures about Market Risk 48
Item 4. Controls and Procedures 48
PART II.  Other Information 49
Item 1. Legal Proceedings. 49
Item 1A. Risk Factors. 49
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds. 49
Item 3. Defaults upon Senior Securities. 49
Item 4. Mine Safety Disclosures. 49
Item 5. Other Information. 49
Item 6. Exhibits. 50

     

 

 

Part I - Financial Information

Item 1 - Financial Statements

FNCB BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

(unaudited)

 

  

June 30,

  

December 31,

 

(in thousands, except share data)

 

2020

  

2019

 

Assets

        

Cash and cash equivalents:

        

Cash and due from banks

 $20,089  $22,861 

Interest-bearing deposits in other banks

  81,390   11,704 

Total cash and cash equivalents

  101,479   34,565 

Available-for-sale debt securities, at fair value

  305,611   272,839 

Equity securities, at fair value

  938   920 

Restricted stock, at cost

  3,309   3,804 

Loans held for sale

  765   1,061 

Loans, net of allowance for loan and lease losses of $11,024 and $8,950

  937,404   819,529 

Bank premises and equipment, net

  17,467   17,518 

Accrued interest receivable

  5,201   3,234 

Bank-owned life insurance

  31,478   31,230 

Other real estate owned

  85   289 

Net deferred tax assets

  2,969   6,278 

Other assets

  11,465   12,274 

Total assets

 $1,418,171  $1,203,541 
         

Liabilities

        

Deposits:

        

Demand (non-interest-bearing)

 $266,846  $179,465 

Interest-bearing

  902,781   822,244 

Total deposits

  1,169,627   1,001,709 

Borrowed funds:

        

Federal Reserve Bank Discount Window advances

  36,242   - 

Federal Home Loan Bank of Pittsburgh advances

  42,809   46,909 

Junior subordinated debentures

  10,310   10,310 

Total borrowed funds

  89,361   57,219 

Accrued interest payable

  248   258 

Other liabilities

  13,578   10,748 

Total liabilities

  1,272,814   1,069,934 
         

Shareholders' equity

        

Preferred shares ($1.25 par)

        

Authorized: 20,000,000 shares at June 30, 2020 and December 31, 2019

        

Issued and outstanding: 0 shares at June 30, 2020 and December 31, 2019

  -   - 

Common shares ($1.25 par)

        

Authorized: 50,000,000 shares at June 30, 2020 and December 31, 2019

        

Issued and outstanding: 20,208,607 shares at June 30, 2020 and 20,171,408 shares at December 31, 2019

  25,260   25,214 

Additional paid-in capital

  81,261   81,130 

Retained earnings

  28,057   24,207 

Accumulated other comprehensive income

  10,779   3,056 

Total shareholders' equity

  145,357   133,607 

Total liabilities and shareholders’ equity

 $1,418,171  $1,203,541 

 

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 June 30,

   

Six Months Ended June 30,

 

(in thousands, except share data)

 

2020

   

2019

   

2020

   

2019

 

Interest income

                               

Interest and fees on loans

  $ 9,060     $ 9,418     $ 18,199     $ 18,825  

Interest and dividends on securities:

                               

U.S. government agencies

    589       906       1,339       1,799  

State and political subdivisions, tax free

    388       38       445       75  

State and political subdivisions, taxable

    735       811       1,500       1,832  

Other securities

    415       210       827       415  

Total interest and dividends on securities

    2,127       1,965       4,111       4,121  

Interest on interest-bearing deposits in other banks

    3       79       24       125  

Total interest income

    11,190       11,462       22,334       23,071  

Interest expense

                               

Interest on deposits

    1,376       2,144       3,036       4,382  

Interest on borrowed funds:

                               

Federal Reserve Bank Discount Window advances

    14       -       14       -  

Federal Home Loan Bank of Pittsburgh advances

    160       253       379       540  

Junior subordinated debentures

    60       111       148       225  

Subordinated debentures

    -       -       -       24  

Total interest on borrowed funds

    234       364       541       789  

Total interest expense

    1,610       2,508       3,577       5,171  

Net interest income before provision for loan and lease losses

    9,580       8,954       18,757       17,900  

Provision for loan and lease losses

    831       347       1,982       193  

Net interest income after provision for loan and lease losses

    8,749       8,607       16,775       17,707  

Non-interest income

                               

Deposit service charges

    708       721       1,533       1,406  

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

    922       163       1,071       323  

Net gain on equity securities

    4       14       18       26  

Net gain on the sale of mortgage loans held for sale

    183       73       279       129  
Net gain on the sale of other real estate owned     -       9       -       9  

Loan-related fees

    25       72       81       151  

Income from bank-owned life insurance

    119       129       248       260  
Loan referral fees     214       6       262       20  

Merchant services revenue

    112       131       247       249  

Other

    214       260       456       520  

Total non-interest income

    2,501       1,578       4,195       3,093  

Non-interest expense

                               

Salaries and employee benefits

    3,498       3,824       7,427       7,723  

Occupancy expense

    466