The Farmers National Bank of Lebanon in Lebanon, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Farmers National Bank of Lebanon - Overview

  • General
  • FDIC Certificate #: 2754
    Status: Active
    Federal Reserve ID: 575348
    Bank Holding Company (Regulatory Top Holder): Lebanon Bancshares, Inc. (RSSDID: 1098451, Location: Lebanon, KY)
    Date Established: April 01, 1890
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 13581
    FDIC's unique #: 1792
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 136 West Main Street, Lebanon, KY 40033
    County: Marion
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Elizabethtown
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $93.3 mil
    Equity capital: $10.7 mil
    Deposits held in domestic offices: $79.8 mil
    Return on assets (ROA): 0.46% ($0.4 mil)
    Quarterly return on assets: 0.46% ($0.4 mil)
    Return on Equity (ROE): 4.20% ($0.5 mil)
    Quarterly return on equity: 4.06% ($0.4 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.50% ($466.7 mil)
    Quarterly Pretax return on assets: 0.49% ($457.4 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
  • 27Total employees (full-time equivalent)
  • $93,344Total assets
  • $7,887Cash and due from depository institutions
  • $1,753Interest-bearing balances
  • $26,402Securities
  • $1,278Federal funds sold & reverse repurchase agreements
  • $53,816Net loans & leases
  • $819Loan loss allowance
  • $0Trading account assets
  • $1,357Bank premises and fixed assets
  • $625Other real estate owned
  • $0Goodwill and other intangibles
  • $93,344Life insurance assets
  • $1,979All other assets
  • $82,655Total liabilities and capital
  • $79,776Total liabilities
  • $64,279Total deposits
  • $79,776Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,197Trading liabilities
  • $0Other borrowed funds
  • $682Subordinated debt
  • $10,689All other liabilities
  • $10,689Total equity capital
  • $10,689Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $1,100Surplus
  • $9,439Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,115Income earned, not collected on loans
  • $0Earning assets
  • $427Long-term assets (5+ years)
  • $83,249Average Assets, year-to-date
  • $27,251Average Assets, quarterly
  • $95,035Volatile liabilities
  • $94,023Insider loans
  • $62,376FHLB advances
  • $94,295Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,423Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,607Restructured Loans and leases
  • $480Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,491Total interest income
  • $1,077Total interest expense
  • $3,414Net interest income
  • $280Provision for loan and lease losses
  • $503Total noninterest income
  • $5Fiduciary activities
  • $327Service charges on deposit accounts
  • $0Trading account gains & fees
  • $171Additional noninterest income
  • $3,190Total noninterest expense
  • $1,641Salaries and employee benefits
  • $232Premises and equipment expense
  • $1,317Additional noninterest expense
  • $447Pre-tax net operating income
  • $27Securities gains (losses)
  • $39Applicable income taxes
  • $435Income before extraordinary items
  • $0Extraordinary gains - net
  • $435Net income attributable to bank
  • $0Net charge-offs
  • $435Cash dividends
  • $300Sale, conversion, retirement of capital stock, net
  • $116Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.22%Yield on earning assets
  • 1.25%Cost of funding earning assets
  • 3.97%Net interest margin
  • 0.59%Noninterest income to earning assets
  • 3.71%Noninterest expense to earning assets
  • 0.43%Net operating income to assets
  • 0.46%Return on assets (ROA)
  • 0.50%Pretax return on assets
  • 4.20%Return on equity (ROE)
  • 3.08%Retained earnings to average equity (YTD only)
  • 0.54%Net charge-offs to loans
  • 93.33%Credit loss provision to net charge-offs
  • 2.42%Efficiency ratio
  • 81,440Assets per employee
  • 3.46%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 26.67%Loss allowance to loans
  • 1.50%Loss allowance to noncurrent loans
  • 73.45%Noncurrent assets plus other real estate owned to assets
  • 1.86%Noncurrent loans to loans
  • 2.04%Net loans and leases to deposits
  • 67.46%Net loans and leases to core deposits
  • 68.81%Equity capital to assets
  • 11.45%Core capital (leverage) ratio
  • 11.05%Tier 1 risk-based capital ratio
  • 16.71%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $95,035Average earning assets
  • $10,362Average equity
  • $85,963Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $3,581Managed Assets
  • 1Number of Accounts
  • $1,831Personal trust and agency accounts
  • $1,651Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $180Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 10Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,750Other retirement accounts
  • $553Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01792The Farmers National Bank Of Lebanon136 West Main Street, Lebanon, KY 40033April 01, 1890Full Service Brick and Mortar
    1194078Suburban BranchU.S. Highway 68, Lebanon, KY 40033November 04, 1974Full Service Brick and Mortar

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