The Farmers National Bank of Cynthiana in city_name, state_name

The Farmers National Bank of Cynthiana in Cynthiana, Kentucky (KY)
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The Farmers National Bank of Cynthiana routing number info

The Farmers National Bank of Cynthiana - Overview

General
FDIC Certificate #: 2689
Status: Active
Federal Reserve ID: 854418
Bank Holding Company (Regulatory Top Holder): Farmers National Bancorp Of Cynthiana, Inc. (RSSDID: 1071511, Location: Cynthiana, KY)
Date Established: January 01, 1881
WWW: http://www.fnbcynthiana.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: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 12366
FDIC's unique #: 1735
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: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: Main And Pike Streets, Cynthiana, KY 41031
County: Harrison
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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $105.3 mil
Equity capital: $12.2 mil
Deposits held in domestic offices: $81.9 mil
Return on assets (ROA): -3.15% (-$3.3 mil)
Quarterly return on assets: -7.26% (-$7.6 mil)
Return on Equity (ROE): -25.18% (-$3.0 mil)
Quarterly return on equity: -58.84% (-$7.1 mil)
Net income: -$3.5 mil
Quarterly Net income: -$1.9 mil
Pretax return on assets: -3.15% (-$3,316.7 mil)
Quarterly Pretax return on assets: -7.26% (-$7,644.3 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
27Total employees (full-time equivalent)
$105,293Total assets
$3,208Cash and due from depository institutions
$2,138Interest-bearing balances
$52,861Securities
$2,065Federal funds sold & reverse repurchase agreements
$42,931Net loans & leases
$3,421Loan loss allowance
$0Trading account assets
$1,123Bank premises and fixed assets
$825Other real estate owned
$0Goodwill and other intangibles
$105,293Life insurance assets
$2,280All other assets
$93,091Total liabilities and capital
$81,875Total liabilities
$69,303Total deposits
$81,875Interest-bearing deposits
$84Deposits held in domestic offices
10000.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$128Trading liabilities
$0Other borrowed funds
$1,088Subordinated debt
$12,202All other liabilities
$12,202Total equity capital
$12,202Total bank equity capital
$0Perpetual preferred stock
$250Common stock
$365Surplus
$11,587Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$10,846Income earned, not collected on loans
$239Earning assets
$699Long-term assets (5+ years)
$99,995Average Assets, year-to-date
$42,928Average Assets, quarterly
$111,903Volatile liabilities
$107,268Insider loans
$54,105FHLB advances
$108,220Loans and leases held for sale
$544Unused loan commitments
$544Tier 1 (core) risk-based capital
$10,361Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$564Restructured Loans and leases
$569Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,190Total interest income
$1,308Total interest expense
$2,882Net interest income
$3,355Provision for loan and lease losses
$571Total noninterest income
$1Fiduciary activities
$400Service charges on deposit accounts
$0Trading account gains & fees
$170Additional noninterest income
$3,618Total noninterest expense
$1,388Salaries and employee benefits
$432Premises and equipment expense
$1,798Additional noninterest expense
-$3,520Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$3,520Income before extraordinary items
$0Extraordinary gains - net
-$3,520Net income attributable to bank
$0Net charge-offs
-$3,520Cash dividends
$3,568Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.93%Yield on earning assets
1.23%Cost of funding earning assets
2.71%Net interest margin
0.54%Noninterest income to earning assets
3.40%Noninterest expense to earning assets
-3.15%Net operating income to assets
-3.15%Return on assets (ROA)
-3.15%Pretax return on assets
-25.18%Return on equity (ROE)
-25.18%Retained earnings to average equity (YTD only)
6.99%Net charge-offs to loans
94.03%Credit loss provision to net charge-offs
-0.05%Efficiency ratio
104,778Assets per employee
3.90%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
7.38%Loss allowance to noncurrent loans
31.54%Noncurrent assets plus other real estate owned to assets
11.08%Noncurrent loans to loans
23.40%Net loans and leases to deposits
52.43%Net loans and leases to core deposits
58.41%Equity capital to assets
11.59%Core capital (leverage) ratio
9.57%Tier 1 risk-based capital ratio
19.15%Total risk-based capital ratio
Memoranda
$20Average assets
$111,903Average earning assets
$13,979Average equity
$106,522Average loans

Total Fiduciary and Related Assets (December 31, 2010)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$4,270Managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$0Employee 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
$0Non-managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$4,270Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

6 Kentucky Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	1735	The Farmers National Bank Of Cynthia	Main And Pike Streets, Cynthiana, KY 41031	January 01, 1881	Full Service Brick and Mortar
1	193845	Installment Loan Department Branch	41 East Pike Street, Cynthiana, KY 41031	January 01, 1955	Limited Service Loan Production
2	193846	Drive-In Branch	29 South Main Street, Cynthiana, KY 41031	April 05, 1961	Limited Service Facility
3	3998	Berry Branch	Main Street, Berry, KY 41003	July 01, 1919	Full Service Brick and Mortar
4	193847	Southside Branch	U.S. 27 South, Cynthiana, KY 41031	December 21, 1981	Full Service Brick and Mortar
6	419558	Bourbon Farmers Bank Branch	Rock Dr, Paris, KY 40361	June 10, 2003	Full Service Brick and Mortar

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

The Farmers National Bank of Cynthiana - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2010)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

The Farmers National Bank of Cynthiana - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2010)

List of branches

Comment about this bank, ask questions, or add new information about it:

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