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

The Farmers National Bank of Scottsville - Overview

  • General
  • FDIC Certificate #: 2769
    Status: Active
    Federal Reserve ID: 183846
    Bank Holding Company (Regulatory Top Holder): Fnb Financial Corp. (RSSDID: 1248144, Location: Scottsville, KY)
    Date Established: November 03, 1923
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 11192
    FDIC's unique #: 1805
    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: July 25, 2011
    Last Structure Change Process Date: July 28, 2011
    Last Data Update: July 28, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1595 Veterans Memorial Hwy, Scottsville, KY 42164
    County: Allen
    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
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $241.0 mil
    Equity capital: $35.7 mil
    Deposits held in domestic offices: $196.3 mil
    Return on assets (ROA): 0.95% ($2.3 mil)
    Quarterly return on assets: 1.05% ($2.5 mil)
    Return on Equity (ROE): 6.19% ($2.2 mil)
    Quarterly return on equity: 6.82% ($2.5 mil)
    Net income: $2.3 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.18% ($2,843.5 mil)
    Quarterly Pretax return on assets: 1.37% ($3,301.3 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
  • 68Total employees (full-time equivalent)
  • $240,971Total assets
  • $4,560Cash and due from depository institutions
  • $0Interest-bearing balances
  • $77,448Securities
  • $1,345Federal funds sold & reverse repurchase agreements
  • $140,816Net loans & leases
  • $1,727Loan loss allowance
  • $0Trading account assets
  • $9,808Bank premises and fixed assets
  • $1,275Other real estate owned
  • $148Goodwill and other intangibles
  • $240,971Life insurance assets
  • $5,571All other assets
  • $205,189Total liabilities and capital
  • $196,288Total liabilities
  • $159,923Total deposits
  • $196,288Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 5512.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $3,389Subordinated debt
  • $35,782All other liabilities
  • $35,746Total equity capital
  • $35,746Total bank equity capital
  • $0Perpetual preferred stock
  • $263Common stock
  • $1,500Surplus
  • $33,983Undivided profits
  • Memoranda
  • $36Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $418Income earned, not collected on loans
  • $0Earning assets
  • $1,305Long-term assets (5+ years)
  • $219,609Average Assets, year-to-date
  • $69,176Average Assets, quarterly
  • $243,130Volatile liabilities
  • $243,208Insider loans
  • $155,930FHLB advances
  • $244,322Loans and leases held for sale
  • $3,590Unused loan commitments
  • $342Tier 1 (core) risk-based capital
  • $33,822Tier 2 risk-based capital
  • $3,248Total risk weighted assets
  • $0Total unused commitments
  • $8,834Restructured Loans and leases
  • $409Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,449Total interest income
  • $2,519Total interest expense
  • $7,930Net interest income
  • $63Provision for loan and lease losses
  • $2,405Total noninterest income
  • $0Fiduciary activities
  • $981Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,424Additional noninterest income
  • $7,412Total noninterest expense
  • $3,374Salaries and employee benefits
  • $1,524Premises and equipment expense
  • $2,514Additional noninterest expense
  • $2,860Pre-tax net operating income
  • $7Securities gains (losses)
  • $557Applicable income taxes
  • $2,310Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,300Net income attributable to bank
  • $10Net charge-offs
  • $2,310Cash dividends
  • -$38Sale, conversion, retirement of capital stock, net
  • $4,596Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.74%Yield on earning assets
  • 1.14%Cost of funding earning assets
  • 3.60%Net interest margin
  • 1.09%Noninterest income to earning assets
  • 3.36%Noninterest expense to earning assets
  • 0.95%Net operating income to assets
  • 0.95%Return on assets (ROA)
  • 1.18%Pretax return on assets
  • 6.19%Return on equity (ROE)
  • -6.18%Retained earnings to average equity (YTD only)
  • -0.03%Net charge-offs to loans
  • -165.79%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 71,717Assets per employee
  • 3.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 199.83%Loss allowance to loans
  • 1.21%Loss allowance to noncurrent loans
  • 413.16%Noncurrent assets plus other real estate owned to assets
  • 0.70%Noncurrent loans to loans
  • 0.29%Net loans and leases to deposits
  • 71.74%Net loans and leases to core deposits
  • 75.78%Equity capital to assets
  • 14.83%Core capital (leverage) ratio
  • 13.84%Tier 1 risk-based capital ratio
  • 21.69%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $243,130Average earning assets
  • $37,171Average equity
  • $220,378Average loans

List of branches

  • 6 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01805The Farmers National Bank Of Scottsv1595 Veterans Memorial Hwy, Scottsville, KY 42164November 03, 1923Full Service Brick and Mortar
    2194197Bank On Wheels Branch5290 Scottsville Road, Bowling Green, KY 42103September 09, 1998Full Service Brick and Mortar
    3194198White Plains Branch1520 Old Gallatin Road, Scottsville, KY 42164September 09, 1998Limited Service Facility
    4360801Fairview Branch948 Fairview Avenue, Bowling Green, KY 42103October 02, 2000Full Service Brick and Mortar
    5443361Campbell Lane Branch1515 Campbell Lane, Bowling Green, KY 42104June 07, 2005Full Service Brick and Mortar
    6506258Scottsville Main Branch1595 Veterans Memorial Hwy, Scottsville, KY 42164March 15, 2010Full Service Brick and Mortar

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