The First National Bank of Manchester in Manchester, Kentucky (KY)
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| The First National Bank of Manchester | |
|---|---|
| General | FDIC Certificate #: 2708 Status: Active Federal Reserve ID: 719610 Bank Holding Company (Regulatory Top Holder): First National Financial Corporation (RSSDID: 1427220, Location: Manchester, KY) Date Established: Febuary 05, 1905 WWW: http://www.fnb-manchester.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: 5 (Domestic: 5, Interstate: No) OTS Docket #: 11148 FDIC's unique #: 1750 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: Other Specialized Lending < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: June 01, 2010 Last Structure Change Process Date: June 01, 2010 Last Data Update: June 01, 2010 Data Source Date: April 05, 2012 |
| Location | Address: 120 Town Branch Road, Manchester, KY 40962 County: Clay 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 |
| History of Changes | Change in Location |
| Financial Summary | Total assets: $149.6 mil Equity capital: $22.2 mil Deposits held in domestic offices: $126.6 mil Return on assets (ROA): 0.65% ($1.0 mil) Quarterly return on assets: 0.76% ($1.1 mil) Return on Equity (ROE): 4.58% ($1.0 mil) Quarterly return on equity: 5.15% ($1.1 mil) Net income: $1.0 mil Quarterly Net income: $0.3 mil Pretax return on assets: 0.60% ($897.7 mil) Quarterly Pretax return on assets: 0.83% ($1,241.8 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 44 |
| Total assets | $149,614 |
| Cash and due from depository institutions | $15,512 |
| Interest-bearing balances | $5,327 |
| Securities | $70,479 |
| Federal funds sold & reverse repurchase agreements | $2,000 |
| Net loans & leases | $58,512 |
| Loan loss allowance | $1,230 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $1,101 |
| Other real estate owned | $230 |
| Goodwill and other intangibles | $0 |
| All other assets | $1,780 |
| Life insurance assets | $149,614 |
| Total liabilities and capital | $127,379 |
| Total liabilities | $126,609 |
| Total deposits | $105,122 |
| Interest-bearing deposits | $126,609 |
| Deposits held in domestic offices | $87 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $770 |
| All other liabilities | $22,235 |
| Total equity capital | $22,235 |
| Total bank equity capital | $22,235 |
| Perpetual preferred stock | $0 |
| Common stock | $100 |
| Surplus | $750 |
| Undivided profits | $21,385 |
| 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 | $5,396 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $782 |
| Average Assets, year-to-date | $136,318 |
| Average Assets, quarterly | $82,282 |
| Volatile liabilities | $150,142 |
| Insider loans | $149,888 |
| FHLB advances | $74,382 |
| Loans and leases held for sale | $151,098 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $20,466 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $4,387 |
| Derivatives | $3,409 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $6,138 |
| Total interest expense | $1,204 |
| Net interest income | $4,934 |
| Provision for loan and lease losses | $120 |
| Total noninterest income | $872 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $591 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $281 |
| Total noninterest expense | $4,796 |
| Salaries and employee benefits | $2,167 |
| Premises and equipment expense | $1,018 |
| Additional noninterest expense | $1,611 |
| Pre-tax net operating income | $890 |
| Securities gains (losses) | $16 |
| Applicable income taxes | -$71 |
| Income before extraordinary items | $977 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $977 |
| Net charge-offs | $0 |
| Cash dividends | $977 |
| Sale, conversion, retirement of capital stock, net | -$65 |
| Net operating income | $495 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.60% |
| Cost of funding earning assets | 0.90% |
| Net interest margin | 3.69% |
| Noninterest income to earning assets | 0.65% |
| Noninterest expense to earning assets | 3.59% |
| Net operating income to assets | 0.64% |
| Return on assets (ROA) | 0.65% |
| Pretax return on assets | 0.60% |
| Return on equity (ROE) | 4.58% |
| Retained earnings to average equity (YTD only) | 2.26% |
| Net charge-offs to loans | -0.11% |
| Credit loss provision to net charge-offs | -184.62% |
| Efficiency ratio | 0.00% |
| Assets per employee | $82,604 |
| Cash dividends to net income (YTD only) | 3.40% |
| Condition Ratios (%) | |
| Loss allowance to loans | 50.67% |
| Loss allowance to noncurrent loans | 2.06% |
| Noncurrent assets plus other real estate owned to assets | 22.79% |
| Noncurrent loans to loans | 3.76% |
| Net loans and leases to deposits | 9.03% |
| Net loans and leases to core deposits | 46.21% |
| Equity capital to assets | 53.07% |
| Core capital (leverage) ratio | 14.86% |
| Tier 1 risk-based capital ratio | 13.54% |
| Total risk-based capital ratio | 27.51% |
| Memoranda | |
| Average assets | $29 |
| Average earning assets | $150,142 |
| Average equity | $21,330 |
| Average loans | $133,547 |
| 5 Kentucky Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 1750 | The First National Bank Of Mancheste | 120 Town Branch Road, Manchester, KY 40962 | Febuary 05, 1905 | Full Service Brick and Mortar |  |
| 1 | 193929 | North Manchester Branch | 421 Richmond Road, Manchester, KY 40962 | November 07, 1977 | Full Service Brick and Mortar |  |
| 2 | 193930 | The Manchester Square Branch | Daniel Boone Parkway And Highways 421 And 80, Manchester, KY 40962 | March 12, 1984 | Full Service Brick and Mortar | |
| 3 | 193931 | Park Valley Branch | Highway 421/Garrard Shopping Center, Garrard, KY 40941 | March 15, 1991 | Full Service Brick and Mortar | |
| 4 | 360264 | Route 33 Branch | 403 North Main Street, London, KY 40741 | March 10, 2001 | Full Service Brick and Mortar | |
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