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 2020-09-30 Filed 2020-11-02
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 2020-10-30 Earnings, Exhibits
8-K 2020-10-28 Other Events, Exhibits
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
Note 2.   New Authoritative Accounting Guidance
Note 3. Securities
Note 4. Loans
Note 5. Deposits
Note 6. Borrowings
Note 7. Derivative and Hedging Transactions/Subsequent Event
Note 8. Income Taxes
Note 9.  Related Party Transactions
Note 10. Commitments and Contingencies
Note 11. Stock Compensation Plans
Note 12. Regulatory Matters
Note 13. Fair Value Measurements
Note 14. Earnings per Share
Note 15. Other Comprehensive Income
EX-31.1 ex_197860.htm
EX-31.2 ex_197861.htm
EX-32.1 ex_197862.htm

FNCB Bancorp Earnings 2020-09-30

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 September 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: 20,243,589 shares as of October 30, 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 50
Item 4. Controls and Procedures 50
PART II.  Other Information 51
Item 1. Legal Proceedings. 51
Item 1A. Risk Factors. 51
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds. 51
Item 3. Defaults upon Senior Securities. 51
Item 4. Mine Safety Disclosures. 51
Item 5. Other Information. 51
Item 6. Exhibits. 52

     

 

 

Part I - Financial Information

Item 1 - Financial Statements

FNCB BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

(unaudited)

 

  

September 30,

  

December 31,

 

(in thousands, except share data)

 

2020

  

2019

 

Assets

        

Cash and cash equivalents:

        

Cash and due from banks

 $26,121  $22,861 

Interest-bearing deposits in other banks

  78,895   11,704 

Total cash and cash equivalents

  105,016   34,565 

Available-for-sale debt securities, at fair value

  321,399   272,839 

Equity securities, at fair value

  2,719   920 

Restricted stock, at cost

  1,791   3,804 

Loans held for sale

  662   1,061 

Loans, net of allowance for loan and lease losses of $12,269 and $8,950

  947,960   819,529 

Bank premises and equipment, net

  17,413   17,518 

Accrued interest receivable

  4,693   3,234 

Bank-owned life insurance

  31,596   31,230 

Other real estate owned

  58   289 

Net deferred tax assets

  1,799   6,278 

Other assets

  8,085   12,274 

Total assets

 $1,443,191  $1,203,541 
         

Liabilities

        

Deposits:

        

Demand (non-interest-bearing)

 $274,110  $179,465 

Interest-bearing

  998,128   822,244 

Total deposits

  1,272,238   1,001,709 

Borrowed funds:

        

Federal Home Loan Bank of Pittsburgh advances

  -   46,909 

Junior subordinated debentures

  10,310   10,310 

Total borrowed funds

  10,310   57,219 

Accrued interest payable

  139   258 

Other liabilities

  10,458   10,748 

Total liabilities

  1,293,145   1,069,934 
         

Shareholders' equity

        

Preferred shares ($1.25 par)

        

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

        

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

  -   - 

Common shares ($1.25 par)

        

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

        

Issued and outstanding: 20,243,589 shares at September 30, 2020 and 20,171,408 shares at December 31, 2019

  25,304   25,214 

Additional paid-in capital

  81,500   81,130 

Retained earnings

  31,044   24,207 

Accumulated other comprehensive income

  12,198   3,056 

Total shareholders' equity

  150,046   133,607 

Total liabilities and shareholders’ equity

 $1,443,191  $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 September 30,

   

Nine Months Ended September 30,

 

(in thousands, except share data)

 

2020

   

2019

   

2020

   

2019

 

Interest income

                               

Interest and fees on loans

  $ 9,078     $ 9,488     $ 27,277     $ 28,313  

Interest and dividends on securities:

                               

U.S. government agencies

    494       924       1,833       2,723  

State and political subdivisions, tax free

    463       37       908       112  

State and political subdivisions, taxable

    741       713       2,241       2,545  

Other securities

    525       314       1,352       729  

Total interest and dividends on securities

    2,223       1,988       6,334       6,109  

Interest on interest-bearing deposits in other banks

    1       30       25       155  

Total interest income

    11,302       11,506       33,636       34,577  

Interest expense

                               

Interest on deposits

    1,291       1,901       4,327       6,283  

Interest on borrowed funds:

                               

Federal Reserve Bank Discount Window advances

    18       -       32       -  

Federal Home Loan Bank of Pittsburgh advances

    95       448       474       988  

Junior subordinated debentures

    52       106       200       331  

Subordinated debentures

    -       -       -       24  

Total interest on borrowed funds

    165       554       706       1,343  

Total interest expense

    1,456       2,455       5,033       7,626  

Net interest income before provision for loan and lease losses

    9,846       9,051       28,603       26,951  

Provision for loan and lease losses

    74       637       2,056       830  

Net interest income after provision for loan and lease losses

    9,772       8,414       26,547       26,121  

Non-interest income

                               

Deposit service charges

    844       797       2,377       2,203  

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

    433       379       1,504       702  

Net gain on equity securities

    846       5       864       31  

Net gain on the sale of mortgage loans held for sale

    186       69       465       198  
Net gain on the sale of other real estate owned     -       11       -       20  

Loan-related fees

    119       80       200       231  

Income from bank-owned life insurance

    118       134       366       394  
Loan referral fees     76       54       338       74  

Merchant services revenue

    154       142       401       391  

Other

    194       160       650       680  

Total non-interest income

    2,970