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FNCB Bancorp (FNCB) investor relations material
FNCB Bancorp Q3 2024 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2024 earnings summary6 Nov, 2024
Executive summary
Net income for Q3 2024 was $51.5M ($1.04 per diluted share), up from $50.1M ($0.92 per diluted share) in Q3 2023, driven by higher net interest income and fintech-related fees.
Total assets reached $8.09B at September 30, 2024, up from $7.71B at year-end 2023, reflecting significant securities purchases and loan growth.
The company continued its measured entry into consumer fintech lending, with $280.1M in such loans at quarter-end, expected to impact future income and funding costs.
The payments segment remains a major driver of non-interest income, with prepaid, debit card, and ACH fees showing strong growth.
Share repurchases under the 2024 program totaled 5.3M shares YTD at an average price of $37.61 per share, with $50M planned for each remaining quarter.
Financial highlights
Net interest income for Q3 2024 rose 5.5% year-over-year to $93.7M; net interest margin was 4.78%, down from 5.07% in Q3 2023.
Non-interest income increased 19.9% to $32.1M, led by a $2.4M rise in prepaid/debit card fees and a $1.3M increase in ACH and payment processing fees.
Provision for credit losses was $3.5M in Q3 2024, up from $1.8M in Q3 2023, reflecting higher leasing charge-offs and a new qualitative factor for classified REBL loans.
Total non-interest expense grew 12.2% to $53.3M, mainly due to higher salaries, OREO expenses, and a $1.2M loss from a transaction processing delay.
For the nine months ended September 30, 2024, net income was $161.6M ($3.15 per diluted share), up from $148.3M ($2.68 per diluted share) in the prior year period.
Outlook and guidance
Management expects consumer fintech lending to meaningfully impact future income and funding costs as the portfolio grows.
The company believes REBL loan classifications are at or near their peak, supported by independent portfolio review and favorable LTVs.
Liquidity and capital resources are considered sufficient for the next 12 months and foreseeable future, with strong deposit growth and available credit lines.
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Frequently asked questions
FNCB Bancorp, Inc. was a bank holding company for FNCB Bank, a community bank based in Dunmore, Pennsylvania. The bank offered a comprehensive range of banking services, including personal, small business, and commercial banking solutions. These services were delivered through various channels, including online, mobile, and in-branch, catering primarily to customers in Northeastern Pennsylvania. FNCB Bancorp also focused on wealth management and financial advisory services. The company was headquartered in Dunmore, Pennsylvania, and its shares were listed on the NASDAQ.
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