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

The First National Bank of Manchester - Overview

  • 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
    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)

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
  • 44Total employees (full-time equivalent)
  • $149,614Total assets
  • $15,512Cash and due from depository institutions
  • $5,327Interest-bearing balances
  • $70,479Securities
  • $2,000Federal funds sold & reverse repurchase agreements
  • $58,512Net loans & leases
  • $1,230Loan loss allowance
  • $0Trading account assets
  • $1,101Bank premises and fixed assets
  • $230Other real estate owned
  • $0Goodwill and other intangibles
  • $149,614Life insurance assets
  • $1,780All other assets
  • $127,379Total liabilities and capital
  • $126,609Total liabilities
  • $105,122Total deposits
  • $126,609Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $770Subordinated debt
  • $22,235All other liabilities
  • $22,235Total equity capital
  • $22,235Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $750Surplus
  • $21,385Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,396Income earned, not collected on loans
  • $0Earning assets
  • $782Long-term assets (5+ years)
  • $136,318Average Assets, year-to-date
  • $82,282Average Assets, quarterly
  • $150,142Volatile liabilities
  • $149,888Insider loans
  • $74,382FHLB advances
  • $151,098Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $20,466Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,387Restructured Loans and leases
  • $3,409Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,138Total interest income
  • $1,204Total interest expense
  • $4,934Net interest income
  • $120Provision for loan and lease losses
  • $872Total noninterest income
  • $0Fiduciary activities
  • $591Service charges on deposit accounts
  • $0Trading account gains & fees
  • $281Additional noninterest income
  • $4,796Total noninterest expense
  • $2,167Salaries and employee benefits
  • $1,018Premises and equipment expense
  • $1,611Additional noninterest expense
  • $890Pre-tax net operating income
  • $16Securities gains (losses)
  • -$71Applicable income taxes
  • $977Income before extraordinary items
  • $0Extraordinary gains - net
  • $977Net income attributable to bank
  • $0Net charge-offs
  • $977Cash dividends
  • -$65Sale, conversion, retirement of capital stock, net
  • $495Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.60%Yield on earning assets
  • 0.90%Cost of funding earning assets
  • 3.69%Net interest margin
  • 0.65%Noninterest income to earning assets
  • 3.59%Noninterest expense to earning assets
  • 0.64%Net operating income to assets
  • 0.65%Return on assets (ROA)
  • 0.60%Pretax return on assets
  • 4.58%Return on equity (ROE)
  • 2.26%Retained earnings to average equity (YTD only)
  • -0.11%Net charge-offs to loans
  • -184.62%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 82,604Assets per employee
  • 3.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 50.67%Loss allowance to loans
  • 2.06%Loss allowance to noncurrent loans
  • 22.79%Noncurrent assets plus other real estate owned to assets
  • 3.76%Noncurrent loans to loans
  • 9.03%Net loans and leases to deposits
  • 46.21%Net loans and leases to core deposits
  • 53.07%Equity capital to assets
  • 14.86%Core capital (leverage) ratio
  • 13.54%Tier 1 risk-based capital ratio
  • 27.51%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $150,142Average earning assets
  • $21,330Average equity
  • $133,547Average loans

List of branches

  • 5 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01750The First National Bank Of Mancheste120 Town Branch Road, Manchester, KY 40962Febuary 05, 1905Full Service Brick and Mortar
    1193929North Manchester Branch421 Richmond Road, Manchester, KY 40962November 07, 1977Full Service Brick and Mortar
    2193930The Manchester Square BranchDaniel Boone Parkway And Highways 421 And 80, Manchester, KY 40962March 12, 1984Full Service Brick and Mortar
    3193931Park Valley BranchHighway 421/Garrard Shopping Center, Garrard, KY 40941March 15, 1991Full Service Brick and Mortar
    4360264Route 33 Branch403 North Main Street, London, KY 40741March 10, 2001Full Service Brick and Mortar

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