FNB Bank, Inc. in Mayfield, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

FNB Bank, Inc. - Overview

  • General
  • FDIC Certificate #: 2759
    Status: Active
    Federal Reserve ID: 400141
    Bank Holding Company (Regulatory Top Holder): Jackson Financial Corporation (RSSDID: 1119347, Location: Mayfield, KY)
    Date Established: January 01, 1875
    WWW: http://www.thinkfnb.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 11861
    FDIC's unique #: 1796
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 24, 2010
    Last Structure Change Process Date: October 01, 2010
    Last Data Update: October 01, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 7th And Broadway, Mayfield, KY 42066
    County: Graves
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Hopkinsville
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Combined Statistical Area (CSA): Paducah-Mayfield, KY-IL (#424)
    Core Based Statistical Area (CBSA): Mayfield, KY (#32460)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $371.8 mil
    Equity capital: $44.8 mil
    Deposits held in domestic offices: $311.4 mil
    Return on assets (ROA): 1.12% ($4.2 mil)
    Quarterly return on assets: 1.05% ($3.9 mil)
    Return on Equity (ROE): 9.10% ($4.1 mil)
    Quarterly return on equity: 8.53% ($3.8 mil)
    Net income: $3.9 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 1.60% ($5,948.9 mil)
    Quarterly Pretax return on assets: 1.47% ($5,465.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 82Total employees (full-time equivalent)
  • $371,809Total assets
  • $18,276Cash and due from depository institutions
  • $6,255Interest-bearing balances
  • $106,909Securities
  • $126Federal funds sold & reverse repurchase agreements
  • $222,276Net loans & leases
  • $3,084Loan loss allowance
  • $0Trading account assets
  • $6,745Bank premises and fixed assets
  • $0Other real estate owned
  • $14,017Goodwill and other intangibles
  • $371,810Life insurance assets
  • $3,460All other assets
  • $327,040Total liabilities and capital
  • $311,398Total liabilities
  • $228,413Total deposits
  • $311,398Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 7998.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $2,644Subordinated debt
  • $44,770All other liabilities
  • $44,770Total equity capital
  • $44,770Total bank equity capital
  • $0Perpetual preferred stock
  • $20Common stock
  • $40,560Surplus
  • $4,190Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $90Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,002Income earned, not collected on loans
  • $2,231Earning assets
  • $2,054Long-term assets (5+ years)
  • $335,566Average Assets, year-to-date
  • $125,399Average Assets, quarterly
  • $352,087Volatile liabilities
  • $362,857Insider loans
  • $250,701FHLB advances
  • $347,089Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $29,116Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $52,947Restructured Loans and leases
  • $4,658Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,132Total interest income
  • $2,212Total interest expense
  • $12,920Net interest income
  • $840Provision for loan and lease losses
  • $2,336Total noninterest income
  • $0Fiduciary activities
  • $1,186Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,150Additional noninterest income
  • $8,802Total noninterest expense
  • $4,200Salaries and employee benefits
  • $847Premises and equipment expense
  • $3,755Additional noninterest expense
  • $5,614Pre-tax net operating income
  • $2Securities gains (losses)
  • $1,676Applicable income taxes
  • $3,940Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,940Net income attributable to bank
  • $0Net charge-offs
  • $3,940Cash dividends
  • $117Sale, conversion, retirement of capital stock, net
  • $3,975Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.73%Yield on earning assets
  • 0.69%Cost of funding earning assets
  • 4.04%Net interest margin
  • 0.73%Noninterest income to earning assets
  • 2.75%Noninterest expense to earning assets
  • 1.12%Net operating income to assets
  • 1.12%Return on assets (ROA)
  • 1.60%Pretax return on assets
  • 9.10%Return on equity (ROE)
  • -0.08%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 717.95%Credit loss provision to net charge-offs
  • 55.16%Efficiency ratio
  • 53,703Assets per employee
  • 4.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 100.89%Loss allowance to loans
  • 1.37%Loss allowance to noncurrent loans
  • 102.73%Noncurrent assets plus other real estate owned to assets
  • 0.81%Noncurrent loans to loans
  • 1.33%Net loans and leases to deposits
  • 71.38%Net loans and leases to core deposits
  • 75.87%Equity capital to assets
  • 12.04%Core capital (leverage) ratio
  • 8.39%Tier 1 risk-based capital ratio
  • 11.61%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $352,087Average earning assets
  • $43,320Average equity
  • $319,883Average loans

Total Fiduciary and Related Assets (December 31, 2010)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $3,041Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 145Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $3,041Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $3,040Fiduciary accounts held in foreign offices

List of branches

  • 8 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01796Fnb Bank, Inc.7th And Broadway, Mayfield, KY 42066January 01, 1875Full Service Brick and Mortar
    2194167Wingo Branch9606 Highway 45 S., Wingo, KY 42088January 06, 1999Full Service Brick and Mortar
    3358668Paducah Branch630 Jefferson Street, Paducah, KY 42001July 31, 2000Full Service Brick and Mortar
    4360001Lone Oak Branch3445 Lane Oak Road, Paducah, KY 42003December 06, 2000Full Service Brick and Mortar
    5481414Murray Branch1304 Chestnut, Suite E, Murray, KY 42071August 01, 2008Full Service Brick and Mortar
    6284054Mayfield Banking Center Branch310 Charles Drive, Mayfield, KY 42066January 08, 1998Full Service Brick and Mortar
    76486Cadiz Branch2558 Main Street, Cadiz, KY 42211January 14, 1890Full Service Brick and Mortar
    8221906Cadiz Branch1197 Canton Rd, Cadiz, KY 42211September 25, 1978Full Service Brick and Mortar

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