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



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The Farmers National Bank of Scottsville routing number info

Table of contents:
The Farmers National Bank of Scottsville
GeneralFDIC 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
WWW: http://www.farmersnationalky.com
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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)68
Total assets$240,971
Cash and due from depository institutions$4,560
Interest-bearing balances$0
Securities$77,448
Federal funds sold & reverse repurchase agreements$1,345
Net loans & leases$140,816
Loan loss allowance $1,727
Trading account assets$0
Bank premises and fixed assets$9,808
Other real estate owned$1,275
Goodwill and other intangibles$148
All other assets$5,571
Life insurance assets$240,971
Total liabilities and capital$205,189
Total liabilities$196,288
Total deposits$159,923
Interest-bearing deposits$196,288
Deposits held in domestic offices$93
% insured (estimated)5512.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $3,389
All other liabilities $35,782
Total equity capital$35,746
Total bank equity capital$35,746
Perpetual preferred stock$0
Common stock$263
Surplus$1,500
Undivided profits $33,983
Memoranda
Noncurrent loans and leases $36
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $418
Earning assets $0
Long-term assets (5+ years) $1,305
Average Assets, year-to-date $219,609
Average Assets, quarterly $69,176
Volatile liabilities $243,130
Insider loans $243,208
FHLB advances $155,930
Loans and leases held for sale $244,322
Unused loan commitments $3,590
Tier 1 (core) risk-based capital $342
Tier 2 risk-based capital $33,822
Total risk weighted assets $3,248
Total unused commitments $0
Restructured Loans and leases $8,834
Derivatives$409
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,449
Total interest expense $2,519
Net interest income $7,930
Provision for loan and lease losses $63
Total noninterest income $2,405
Fiduciary activities $0
Service charges on deposit accounts $981
Trading account gains & fees $0
Additional noninterest income $1,424
Total noninterest expense $7,412
Salaries and employee benefits $3,374
Premises and equipment expense $1,524
Additional noninterest expense $2,514
Pre-tax net operating income $2,860
Securities gains (losses) $7
Applicable income taxes $557
Income before extraordinary items $2,310
Extraordinary gains - net $0
Net income attributable to bank $2,300
Net charge-offs $10
Cash dividends $2,310
Sale, conversion, retirement of capital stock, net -$38
Net operating income $4,596
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.74%
Cost of funding earning assets 1.14%
Net interest margin 3.60%
Noninterest income to earning assets 1.09%
Noninterest expense to earning assets 3.36%
Net operating income to assets 0.95%
Return on assets (ROA) 0.95%
Pretax return on assets 1.18%
Return on equity (ROE) 6.19%
Retained earnings to average equity (YTD only) -6.18%
Net charge-offs to loans -0.03%
Credit loss provision to net charge-offs -165.79%
Efficiency ratio0.00%
Assets per employee$71,717
Cash dividends to net income (YTD only)3.54%
Condition Ratios (%)
Loss allowance to loans 199.83%
Loss allowance to noncurrent loans 1.21%
Noncurrent assets plus other real estate owned to assets 413.16%
Noncurrent loans to loans 0.70%
Net loans and leases to deposits0.29%
Net loans and leases to core deposits 71.74%
Equity capital to assets 75.78%
Core capital (leverage) ratio 14.83%
Tier 1 risk-based capital ratio 13.84%
Total risk-based capital ratio 21.69%
Memoranda
Average assets$23
Average earning assets$243,130
Average equity $37,171
Average loans $220,378
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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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