The First National Bank of Brooksville in Brooksville, Kentucky (KY)
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| The First National Bank of Brooksville | |
|---|---|
| General | FDIC Certificate #: 2682 Status: Active Federal Reserve ID: 798512 Bank Holding Company (Regulatory Top Holder): Fnb Bancshares, Inc. (RSSDID: 2262503, Location: Brooksville, KY) Date Established: July 07, 1907 WWW: http://www.fnbfirst.com 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 #: 12369 FDIC's unique #: 1730 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: Yes Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: September 10, 2008 Last Structure Change Process Date: October 14, 2008 Last Data Update: October 14, 2008 Data Source Date: April 05, 2012 |
| Location | Address: 105 Locust St, Brooksville, KY 41004 County: Bracken Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Lexington Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Southeast Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178) Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140) CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140) |
| History of Changes | Change in Location |
| Financial Summary | Total assets: $67.6 mil Equity capital: $6.9 mil Deposits held in domestic offices: $52.2 mil Return on assets (ROA): 0.55% ($0.4 mil) Quarterly return on assets: 0.44% ($0.3 mil) Return on Equity (ROE): 5.39% ($0.4 mil) Quarterly return on equity: 4.18% ($0.3 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.55% ($371.5 mil) Quarterly Pretax return on assets: 0.44% ($297.2 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 19 |
| Total assets | $67,552 |
| Cash and due from depository institutions | $1,934 |
| Interest-bearing balances | $43 |
| Securities | $22,656 |
| Federal funds sold & reverse repurchase agreements | $2,065 |
| Net loans & leases | $38,918 |
| Loan loss allowance | $430 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $323 |
| Other real estate owned | $215 |
| Goodwill and other intangibles | $0 |
| All other assets | $1,441 |
| Life insurance assets | $67,552 |
| Total liabilities and capital | $60,603 |
| Total liabilities | $52,152 |
| Total deposits | $43,741 |
| Interest-bearing deposits | $52,152 |
| Deposits held in domestic offices | $85 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $7,941 |
| Other borrowed funds | $0 |
| Subordinated debt | $510 |
| All other liabilities | $6,949 |
| Total equity capital | $6,949 |
| Total bank equity capital | $6,949 |
| Perpetual preferred stock | $0 |
| Common stock | $1,000 |
| Surplus | $2,000 |
| Undivided profits | $3,949 |
| Memoranda | |
| 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 | $214 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $433 |
| Average Assets, year-to-date | $63,682 |
| Average Assets, quarterly | $11,323 |
| Volatile liabilities | $67,300 |
| Insider loans | $66,903 |
| FHLB advances | $33,507 |
| Loans and leases held for sale | $67,357 |
| Unused loan commitments | $84 |
| Tier 1 (core) risk-based capital | $84 |
| Tier 2 risk-based capital | $6,721 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $790 |
| Derivatives | $79 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $2,875 |
| Total interest expense | $584 |
| Net interest income | $2,291 |
| Provision for loan and lease losses | $46 |
| Total noninterest income | $330 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $224 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $106 |
| Total noninterest expense | $2,205 |
| Salaries and employee benefits | $1,065 |
| Premises and equipment expense | $182 |
| Additional noninterest expense | $958 |
| Pre-tax net operating income | $370 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $0 |
| Income before extraordinary items | $370 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $370 |
| Net charge-offs | $0 |
| Cash dividends | $370 |
| Sale, conversion, retirement of capital stock, net | $46 |
| Net operating income | $269 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.51% |
| Cost of funding earning assets | 0.92% |
| Net interest margin | 3.59% |
| Noninterest income to earning assets | 0.52% |
| Noninterest expense to earning assets | 3.46% |
| Net operating income to assets | 0.55% |
| Return on assets (ROA) | 0.55% |
| Pretax return on assets | 0.55% |
| Return on equity (ROE) | 5.39% |
| Retained earnings to average equity (YTD only) | 1.47% |
| Net charge-offs to loans | 0.11% |
| Credit loss provision to net charge-offs | 100.00% |
| Efficiency ratio | 9.04% |
| Assets per employee | $84,128 |
| Cash dividends to net income (YTD only) | 3.56% |
| Condition Ratios (%) | |
| Loss allowance to loans | 72.70% |
| Loss allowance to noncurrent loans | 1.09% |
| Noncurrent assets plus other real estate owned to assets | 200.93% |
| Noncurrent loans to loans | 0.64% |
| Net loans and leases to deposits | 0.54% |
| Net loans and leases to core deposits | 74.62% |
| Equity capital to assets | 76.49% |
| Core capital (leverage) ratio | 10.29% |
| Tier 1 risk-based capital ratio | 9.98% |
| Total risk-based capital ratio | 20.06% |
| Memoranda | |
| Average assets | $21 |
| Average earning assets | $67,300 |
| Average equity | $6,866 |
| Average loans | $63,749 |
| Total Fiduciary and Related Assets (December 31, 2003) (Dollar figures in thousands) | |
| Total fiduciary and related assets | $1 |
| Number of Fiduciary Accounts and Related Asset Accounts | 1 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $1,377 |
| Number of Accounts | 1 |
| Personal trust and agency accounts | $1,195 |
| Employee benefit-defined contribution accounts | $1,138 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $0 |
| Corporate trust and agency accounts | $0 |
| Investment management agency accounts | $0 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $0 |
| Non-managed Assets | $57 |
| Number of Accounts | 18 |
| Personal trust and agency accounts | $0 |
| Employee benefit-defined contribution accounts | $0 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $182 |
| Corporate trust and agency accounts | $0 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $0 |
| 2 Kentucky Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 1730 | The First National Bank Of Brooksvil | 105 Locust St, Brooksville, KY 41004 | July 07, 1907 | Full Service Brick and Mortar |  |
| 1 | 193825 | Drive-Thru Branch | 107 East Miami Street, Brooksville, KY 41004 | Febuary 27, 1995 | Limited Service Facility |  |
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