The Farmers National Bank of Lebanon in Lebanon, Kentucky (KY)

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The Farmers National Bank of Lebanon routing number info

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The Farmers National Bank of Lebanon
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)27
Total assets$93,344
Cash and due from depository institutions$7,887
Interest-bearing balances$1,753
Federal funds sold & reverse repurchase agreements$1,278
Net loans & leases$53,816
Loan loss allowance $819
Trading account assets$0
Bank premises and fixed assets$1,357
Other real estate owned$625
Goodwill and other intangibles$0
All other assets$1,979
Life insurance assets$93,344
Total liabilities and capital$82,655
Total liabilities$79,776
Total deposits$64,279
Interest-bearing deposits$79,776
Deposits held in domestic offices$99
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,197
Other borrowed funds $0
Subordinated debt $682
All other liabilities $10,689
Total equity capital$10,689
Total bank equity capital$10,689
Perpetual preferred stock$0
Common stock$150
Undivided profits $9,439
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,115
Earning assets $0
Long-term assets (5+ years) $427
Average Assets, year-to-date $83,249
Average Assets, quarterly $27,251
Volatile liabilities $95,035
Insider loans $94,023
FHLB advances $62,376
Loans and leases held for sale $94,295
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $10,423
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $3,607
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,491
Total interest expense $1,077
Net interest income $3,414
Provision for loan and lease losses $280
Total noninterest income $503
Fiduciary activities $5
Service charges on deposit accounts $327
Trading account gains & fees $0
Additional noninterest income $171
Total noninterest expense $3,190
Salaries and employee benefits $1,641
Premises and equipment expense $232
Additional noninterest expense $1,317
Pre-tax net operating income $447
Securities gains (losses) $27
Applicable income taxes $39
Income before extraordinary items $435
Extraordinary gains - net $0
Net income attributable to bank $435
Net charge-offs $0
Cash dividends $435
Sale, conversion, retirement of capital stock, net $300
Net operating income $116
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.22%
Cost of funding earning assets 1.25%
Net interest margin 3.97%
Noninterest income to earning assets 0.59%
Noninterest expense to earning assets 3.71%
Net operating income to assets 0.43%
Return on assets (ROA) 0.46%
Pretax return on assets 0.50%
Return on equity (ROE) 4.20%
Retained earnings to average equity (YTD only) 3.08%
Net charge-offs to loans 0.54%
Credit loss provision to net charge-offs 93.33%
Efficiency ratio2.42%
Assets per employee$81,440
Cash dividends to net income (YTD only)3.46%
Condition Ratios (%)
Loss allowance to loans 26.67%
Loss allowance to noncurrent loans 1.50%
Noncurrent assets plus other real estate owned to assets 73.45%
Noncurrent loans to loans 1.86%
Net loans and leases to deposits2.04%
Net loans and leases to core deposits 67.46%
Equity capital to assets 68.81%
Core capital (leverage) ratio 11.45%
Tier 1 risk-based capital ratio 11.05%
Total risk-based capital ratio 16.71%
Average assets$18
Average earning assets$95,035
Average equity $10,362
Average loans $85,963
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$3,581
Number of Accounts1
Personal trust and agency accounts$1,831
Employee benefit-defined contribution accounts$1,651
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$180
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts10
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$1,750
Corporate trust and agency accounts$553
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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