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

The First National Bank of Brooksville - Overview

  • 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
    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)

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
  • 19Total employees (full-time equivalent)
  • $67,552Total assets
  • $1,934Cash and due from depository institutions
  • $43Interest-bearing balances
  • $22,656Securities
  • $2,065Federal funds sold & reverse repurchase agreements
  • $38,918Net loans & leases
  • $430Loan loss allowance
  • $0Trading account assets
  • $323Bank premises and fixed assets
  • $215Other real estate owned
  • $0Goodwill and other intangibles
  • $67,552Life insurance assets
  • $1,441All other assets
  • $60,603Total liabilities and capital
  • $52,152Total liabilities
  • $43,741Total deposits
  • $52,152Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,941Trading liabilities
  • $0Other borrowed funds
  • $510Subordinated debt
  • $6,949All other liabilities
  • $6,949Total equity capital
  • $6,949Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $2,000Surplus
  • $3,949Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $214Income earned, not collected on loans
  • $0Earning assets
  • $433Long-term assets (5+ years)
  • $63,682Average Assets, year-to-date
  • $11,323Average Assets, quarterly
  • $67,300Volatile liabilities
  • $66,903Insider loans
  • $33,507FHLB advances
  • $67,357Loans and leases held for sale
  • $84Unused loan commitments
  • $84Tier 1 (core) risk-based capital
  • $6,721Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $790Restructured Loans and leases
  • $79Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,875Total interest income
  • $584Total interest expense
  • $2,291Net interest income
  • $46Provision for loan and lease losses
  • $330Total noninterest income
  • $0Fiduciary activities
  • $224Service charges on deposit accounts
  • $0Trading account gains & fees
  • $106Additional noninterest income
  • $2,205Total noninterest expense
  • $1,065Salaries and employee benefits
  • $182Premises and equipment expense
  • $958Additional noninterest expense
  • $370Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $370Income before extraordinary items
  • $0Extraordinary gains - net
  • $370Net income attributable to bank
  • $0Net charge-offs
  • $370Cash dividends
  • $46Sale, conversion, retirement of capital stock, net
  • $269Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.51%Yield on earning assets
  • 0.92%Cost of funding earning assets
  • 3.59%Net interest margin
  • 0.52%Noninterest income to earning assets
  • 3.46%Noninterest expense to earning assets
  • 0.55%Net operating income to assets
  • 0.55%Return on assets (ROA)
  • 0.55%Pretax return on assets
  • 5.39%Return on equity (ROE)
  • 1.47%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 9.04%Efficiency ratio
  • 84,128Assets per employee
  • 3.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 72.70%Loss allowance to loans
  • 1.09%Loss allowance to noncurrent loans
  • 200.93%Noncurrent assets plus other real estate owned to assets
  • 0.64%Noncurrent loans to loans
  • 0.54%Net loans and leases to deposits
  • 74.62%Net loans and leases to core deposits
  • 76.49%Equity capital to assets
  • 10.29%Core capital (leverage) ratio
  • 9.98%Tier 1 risk-based capital ratio
  • 20.06%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $67,300Average earning assets
  • $6,866Average equity
  • $63,749Average loans

Total Fiduciary and Related Assets (December 31, 2003)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,377Managed Assets
  • 1Number of Accounts
  • $1,195Personal trust and agency accounts
  • $1,138Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $57Non-managed Assets
  • 18Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $182Other retirement accounts
  • $0Corporate 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
    01730The First National Bank Of Brooksvil105 Locust St, Brooksville, KY 41004July 07, 1907Full Service Brick and Mortar
    1193825Drive-Thru Branch107 East Miami Street, Brooksville, KY 41004Febuary 27, 1995Limited Service Facility

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