﻿<?xml version="1.0" encoding="utf-8"?><Search><pages Count="16"><page Index="1" isMAC="true"><![CDATA[      2021
Annual Report
    A Wholly Owned Subsidiary of Boyle Bancorp, Inc.
  ]]></page><page Index="2" isMAC="true"><![CDATA[       Boyle Bancorp, Inc. 304 West Main Street Danville, Kentucky 40422 (859) 236-2926
www.fnbky.com
FÕ
NOTICE TO SHAREHOLDERS
Annual Disclosure Statement/ Notice of Availability
Financial information about this bank is available to our customers, shareholders and the general public on request.
Full audited financial statements will be available no later than April 30, 2022. Please e-mail Katy Bramel at katy.bramel@fnbky. com if you would like a copy.
In accordance with federal regulations to facilitate more informed decision making by depositors, investors and the general public, we will provide an Annual Disclosure Statement containing financial information for this bank for the previous two years. This information will be updated annually and available as of March 31.
To obtain a copy of the Annual Disclosure for Farmers National Bank, Danville, Kentucky, please contact:
Chris Sparrow, Senior Vice President Chief Financial Officer
Farmers National Bank
P.O. Box 28
Danville, Kentucky 40423-0028
ANNUAL MEETING
CONTENTS
1 In Memory - Nelson D. Rodes, Jr. 2 Letter to Shareholders
3 Financial Highlights
4–7 Financials
8 Retirees & Employees Years of Service 9 Milestones
10 Board of Directors 11 Officers
12 Community Boards
DESCRIPTION OF BUSINESS
Boyle Bancorp, Inc. is a one-bank holding company which conducts a full range of commercial and personal banking services through its wholly-owned subsidiary, Farmers National Bank of Danville. Farmers National Bank operates from the following locations:
 Main Office
304 W. Main Street Danville, KY 40422 (859) 236-2926
TTY: (859) 236-0360
Burgin
125 E. Main Street Burgin, KY 40310 (859) 748-5277
Danville Square
1714 Perryville Road Danville, KY 40422 (859) 936-6958
East Main
211 East Main Street Danville, KY 40422 (859) 239-9516
Garland Drive
100 Garland Drive Danville, KY 40422 (859) 236-5182
Harrodsburg
776 South College St Harrodsburg,KY40330 (859) 734-9953
Junction City
101 Shelby Junction Lane Junction City, KY 40440 (859) 854-5006
Lancaster
20 Commerce Drive Lancaster, KY 40444 (859) 792-1914
Liberty
775 N. Wallace Wilkinson Boulevard Liberty, KY 42539 (606) 787-0700
Middleburg
2959 Shorttown Road Middleburg, KY 42541 (606) 536-0425
Perryville
309 E. Second Street Perryville, KY 40468 (859) 332-2221
Stanford
131 Frontier Boulevard Stanford, KY 40484 (606) 365-8851
  The Annual Meeting of the Shareholders will be held by remote communication (virtual)
May 23, 2022 at 10:00 am, EST. Formal notice has been sent to the shareholders of record with this report.
            ]]></page><page Index="3" isMAC="true"><![CDATA[    In Memory
Nelson D. Rodes, Jr.
1932-2021
01
                Nelson D. Rodes, Jr.,
a leader as president and CEO at Farmers National Bank passed
away on December 1, 2021.
Mr. Rodes was an outstanding contributor to the banking industry and the Commonwealth. He served as an active director of Farmers National Bank from 1969 – 2004. During that time, he also served as the 9th President/CEO of Farmers National Bank from 1980 - 1995. In addition, he served as President of the Kentucky
Bankers Association.
     During his tenure at Farmers National Bank, the company’s assets tripled. Other highlights included Farmers National Bank merging with a then newly formed subsidiary, Boyle Bancorp, Inc.; the acquisition of Citizens Bank & Trust Company of Burgin (now the Burgin Branch of Farmers National Bank); and opening new bank branches in Perryville, Harrodsburg, and South Danville.
Mr. Rodes was a Harvard Law School graduate and had served on the Board of Governors of the Kentucky BarAssociation. HiscivicactivitiesincludedservingasBoardChairmanathisalmamaterCentreCollege,the United Way, the Rotary Club of Danville, the Chamber of Commerce, the Historical Society, and the Danville Library, to name a few.
We are grateful for his contributions to the bank’s 143-year history and all he did for others within our banking communities and the state of Kentucky.
    ]]></page><page Index="4" isMAC="true"><![CDATA[    LETTER TO SHAREHOLDERS 02
    On behalf of the Board of Directors, officers and staff of Farmers National Bank, we are pleased to present this Annual Report to Shareholders. I would like to begin this letter by honoring our former bank President and CEO, Nelson D. Rodes, Jr., who passed away at the age of 89. Mr. Rodes served as a director for 35 years and as the bank’s president and CEO for 15 years. He was also an active leader for our industry across the state, having served as a Kentucky Bankers Association President. To this day, Mr. Rodes’ impact is felt throughout the bank.
2021 was another year of significant growth, in part due to the impact of historic economic relief, combating the effects of a global pandemic. Banks are extremely liquid, having significant cash balances on the balance sheet. Revenue reached new
highs due to another round of SBA PPP loan fees and robust residential real estate loan activity. Our WealthSouth division was a significant contributor to revenue last year.
Total assets eclipsed $900 million at year end. Net income increased 45.6 percent last year. Net income per share increased to $9.24 and dividends to shareholders increased to $2.80 per share. We continue to be well capitalized with stockholders’ equity now exceeding $74 million. More details about our balance sheet and income statement can be found in the Financial Highlights section of this report.
Growth remains at the core of our strategic plans. In November of 2021, we held a board retreat focusing on our current 10-year strategic plan, and we began the process of developing our strategic initiatives for the next 5-10 years. At the mid-point of our current strategic plan, we continue to meet and, in some cases, exceed our targets. Future growth includes additional acquisition opportunities and new market opportunities for WealthSouth. Fintech partnerships, and additional investment in technology to meet the changing needs and expectations of our customers, will continue adding franchise value to our company.
Culture remains a significant strategic focus. Our work toward developing a “Championship Culture” afforded us the fortitude to withstand significant disruption throughout the year. This sentiment was recently supported by the results from our most recent bi-annual employee engagement survey. As consolidation continues to be a part of the community banking landscape, our culture will, no doubt, attract new customers and
talented bankers.
Our investment in WealthSouth over the past few years will continue adding value over time. We consistently rank in the top 10 of Kentucky domiciled banks relative to non-interest income each quarter. Assets under management total $870 million.
This represents 3-year growth of 42% in AUM. WealthSouth has also allowed us to efficiently offer commercial lending in new markets. Their lending efforts have increased our loan portfolio more than $60 million in the past three years. WealthSouth continues to add enterprise value in ways traditional banking would not.
Technology continues to change the way we interact with our customers and clients. Our bank has been an early adopter of new banking technology for some time. We were the first to bring Interactive Teller Machines (ITMs), known as Farmers National
Bank Teller on Demand, to our markets. Customers appreciate the personal service and convenience of Teller on Demand in which they can speak to a teller through video technology on an ATM-like system. The lending function will begin a significant transformation this year that we think will add long-term efficiencies relative to expense and customer experience.
This year we bid farewell to several employees via retirement. The following folks moved into the retirement ranks in 2021:
         Name
Position
Years of Service
Kathy Morgan
VP, Loan Officer, Liberty
45
Jeff Glasscock
Teller, Perryville
34
Lana Carpenter
AVP, Perryville Retail Branch Manager
25
Deb Hayes
Assistant Customer Service Manager
17
Gail Hawes
Teller, Harrodsburg
13
We wish them the best as they enter retirement. In other employee matters, we had several promotions in 2021: Christa Owen, Chief Compliance Officer, was promoted to VP; Cassie Scott, WealthSouth Director of Operations, was promoted to VP;
Leslie Brown, Danville Square Retail Branch Manager,
was promoted to AVP; Michael Marsh, Customer Relations Manager, was promoted to AVP; Blake Mason, Business Development Officer, was promoted to AVP; Beth Pike,
Treasury Operations Manager, was promoted to AVP; and
Witten Hayes was promoted to AVP, Loan Operations Manager.
In 2021, we added John Smith, VP, Commercial Relationship Manager, to our Lexington WealthSouth office, and Jake Gourley, AVP, Loan Officer to our Liberty market.
Our bank family unexpectedly lost a dear friend and co-worker last fall. Amber Winchester joined our bank in 2006. She was the manager of Junction City for several years and was serving as our East Main Branch Manager. Amber will certainly be remembered for, amongst other things, her warm smile and the compassionate approach she took in dealing with customers.
Once again, I would like to thank you for your continued support of our organization. Our goal has been to generate a favorable return annually while increasing long-term shareholder value. It is my contention that we have, and will continue to do both. Should you have any questions, please feel free to email me at marty.gibson@fnbky.com or give me a call at 859-238-0657.
My Best,
Marty Gibson
President & Chief Executive Officer
       ]]></page><page Index="5" isMAC="true"><![CDATA[  03
FINANCIAL HIGHLIGHTS
 In thousands except per share figures 2021 2020 % of Change
 BALANCE SHEET ITEMS
Assets
Deposits
Loans (net) Stockholders’ Equity
$ 907,084 814,833 476,517 74,431
$ 791,159 701,384 456,051 71,257
+ 14.65% + 16.18% + 4.49% + 4.45%
 OPERATIONS
Net Income
Net Income per Share Dividends Paid Dividends Paid per Share
$ 5,508
6.35 +
$ 8,020 9.24 2,431 2.80
+ 45.61% 45.51%
2,395 + 2.76 +
1.50% 1.45%
 PERFORMANCE RATIOS
Equity to Assets (averages) Return on Average Assets Return on Average Equity
8.89% 9.63%
0.98% 0.77% 10.98% 8.02%
   $3.00 $2.50 $2.00 $1.50 $1.00 $ .150 $ .00
$10.00 $9.00 $8.00 $7.00 $6.00 $5.00 $4.00 $3.00 $2.00 $1.00 $.010
2017
2018 2019
2020 2021
$85 $80 $75 $70 $65 $60 $55 $50 $45 $40 $35 $30 $25 $20 $15
Dividends per Share
Book Value per Share
       $2.68
     $2.64
$2.72
$2.76
$2.80
     $68.63
$75.37
$82.09
$85.74
   $66.64
            Earnings per Share
    2017
2018
2019 2020 2021
Return on Average Assets
     Return on Average Equity
 10% 1.0%
      $5.93
$6.30
$9.24
  $6.35
  $4.79
 10.98%
 1.00%
0.99%
0.98%
    8.85%
8.61%
  8.02%
.85%
 7.24%
0.77%
 5%
0%
.5%
.0%
           2017 2018 2019 2020 2021
2017 2018 2019 2020 2021
2017 2018 2019 2020 2021
]]></page><page Index="6" isMAC="true"><![CDATA[      CONSOLIDATED BALANCE SHEETS 04
December 31, 2021 and 2020
   (dollars in thousands, except share and per share data)
 ASSETS
2021
204,415 194,513
2020
156,453 147,729
456,051 16,131 1,729 2,660 2,541 273 2,619 4,973
791,159
166,518 475,677 59,189
701,384
10,000 1,741 6,777
719,902
347 4,477 61,033 5,400
71,257 791,159
Cash and due from banks
Securities available for sale
Loans, net of allowance for loan losses of $6,310 and
$5,913 at December 31, 2021 and 2020, respectively Premises and equipment, net
Right-of-use assets
Federal Reserve and Federal Home Loan Bank stock Accrued interest receivable
$
$
  476,517 15,697 1,516 2,660 2,447 - Goodwill 2,619
  Other real estate owned Other assets
6,700
907,084
201,521 563,522 49,790
814,833
10,000 1,517 6,303
832,653
347 4,477 66,622 2,985
74,431 907,084
  TOTAL ASSETS
$
$
$
$
   LIABILITIES AND STOCKHOLDERS’ EQUITY
Deposits
Demand
Savings, NOW and money market Time
TOTAL DEPOSITS
Liabilities
Federal Home Loan Bank advances Operating lease liability
Other liabilities
TOTAL LIABILITIES
Stockholders’ Equity
          Common stock, $0.40 par value; 2,500,000 shares authorized, 868,059 (2021) and 868,059 (2020) shares issued and outstanding
  Additional paid-in capital
Retained earnings
Accumulated other comprehensive income
TOTAL STOCKHOLDERS’ EQUITY
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY
$
$
     ]]></page><page Index="7" isMAC="true"><![CDATA[           December 31, 2021 and 2020
(dollars in thousands, except share and per share data)
INCOME & EXPENSES
Interest & Dividend Income
Loans, including fees Debt securities
Taxable
Tax-exempt
Dividends on Federal Home Loan Bank and
Federal Reserve Bank Stock
Federal funds sold and deposits with financial institutions
TOTAL INTEREST AND DIVIDEND INCOME
Interest Expense
Deposits
Federal Home Loan Bank advances Other interest expense
TOTAL INTEREST EXPENSE
Net Interest Income Provision for Loan Losses
NET INTEREST INCOME
AFTER PROVISION FOR LOAN LOSSES
Non-Interest Income
Fiduciary activities
Customer service fees
Brokerage and insurance services Net gain on mortgage loan sales Other
TOTAL NON-INTEREST INCOME
Non-Interest Expense
Salaries and employee benefits Occupancy
Data processing
State and local franchise tax Professional fees
Federal Deposit Insurance Corporation assessment
Other real estate owned, net gain (loss) on sale, writedowns
Other
TOTAL NON-INTEREST EXPENSE
Income Before Income Tax Provision for Income Taxes
NET INCOME
BASIC EARNINGS PER SHARE
$
$
$
$
$
2021
21,281
1,654 2,284
65 196
25,480
1,031 132 –
1,163
24,317 585
23,732
5,232 4,790 2,281 267 242
12,812
16,833 3,964 1,425 225 1,119
333
36 2,586
26,521
10,023 2,003
8,020 9.24
$
$
$
$
$
2020
22,015
1,403 2,171
63 234
25,886
1,969 132 –
2,101
23,785 1,876
21,909
4,500 4,113 1,725 226 192
10,756
16,181 3,801 1,304
891 758
218
22 3,447
26,622
6,043 535
5,508 6.35
05
CONSOLIDATED STATEMENTS OF INCOME
                     $
$ $
$
$ $
         ]]></page><page Index="8" isMAC="true"><![CDATA[    CONSOLIDATED STATEMENTS OF STOCKHOLDERS EQUITY
December 31, 2021 and 2020
(dollars in thousands, except share and per share data)
06
      Additional Common Stock Paid-In Shares Amount Capital
868,059 $ 347 $ 4,477 – – – – – –
– – –
868,059 $ 347 $ 4,477
– – –
– – –
– – –
868,059 $ 347 $ 4,477
Retained Earnings
Accumulated Other Comprehensive Income (Loss)
Total Stockholders Equity
        Balances, January 1, 2020
Net income
Other comprehensive income Dividends on common stock,
$2.76 per share
Balances, December 31, 2020
Net income
Other comprehensive income Dividends on common stock, $2.80 per share
Balances, December 31, 2021
$
$
$
57,920 5,508 –
(2,395) 61,033
8,020 –
(2,431) 66,622
$
$
$
2,682 – 2,718
–
5,400
–
(2,415) – 2,985
$
$
$
65,426 5,508 2,718
(2,395) 71.257
8,020 (2,415)
(2,431) 74,431
             ]]></page><page Index="9" isMAC="true"><![CDATA[   CASH FLOWS
December 31, 2021 and 2020
(dollars in thousands, except share and per share data)
2021
Operating Activities
Net income $ 8,020 Items not requiring (providing) cash
Depreciation and amortization 1,267 Provision for loan losses 585 Amortization of premiums and discounts on securities 627 Amortization of intangibles 100 Net realized gains/ losses on sale and writedowns of
2020
5,508
1,269 1,876 634 95
6 (743) (195)
(29) (247) (381)
7,793
(53,686) 23,712
(215) (31,055) (1,019) 15
4,285
(57,963)
160,234 (2,395)
157,839
107,669 48,784 156,453
2,081 1,400 273
07 CONSOLIDATED STATEMENTS OF CASH FLOWS
 other real estate owned Deferred income taxes
Payment of operating lease liability Changes in
Interest receivable
Other assets
Other liabilities and interest payable
Net cash provided by operating activities
Investing Activities
Purchases of available-for-sale securities Proceeds from maturities, calls and paydowns of
available-for-sale securities
Purchase of Federal Reserve and other bank stock Net change in loans
Purchase of premises and equipment
Proceeds from the sale of other real estate owned Cash for acquisition, net of cash acquired
Net cash used in investing activities
Financing Activities
Net increase in demand deposits, money market, NOW and savings accounts
Dividends paid
Net cash provided by financing activities
Increase in Cash and Due From Banks
Cash and Due From Banks, Beginning of Year Cash and Due From Banks, End of Year
Supplemental Cash Flows Information
Interest paid
Income taxes paid
Transfer from loans to other real estate owned
23 (1,509) (222)
94 485 (474)
$ 8,996
(72,822) 22,193
-
(21,051) (622) 250 -
(72,052)
113,449 (2,431)
111,018
$ 47,962 $ 156,453 $ 204,415
$ 1,232 1,860 -
$
$
                $ $ $
$
        ]]></page><page Index="10" isMAC="true"><![CDATA[  RETIREES & YEARS OF SERVICE AWARDS
08
 KATHY MORGAN
45 Years of Service Retired: April 1, 2021
JEFF GLASSCOCK
34 Years of Service Retired: May 7, 2021
DEB HAYES
17 Years of Service Retired: May 28, 2021
LANA CARPENTER
25 Years of Service
Retired: September 30, 2021
GAIL HAWES
13 Years of Service Retired: December 31, 2021
Years of Service Awards
5 10 15 20
                    Rusty Clark Brandon Drake Kim Elliott Gordon Mullis Sam Pollom Brant Welch Timothy Yessin Jeffrey Zinger
Patti Chidester
Jamie Douglas Christina Honaker Melanie Taylor Ashley Young
Shelley Bigelow Jennifer Cochran Ashley Drakeford Dana Frondal Rebecca Jones Cassandra LeMonds Lorie Munford
Amy Newell Chastity Pike Jana Rogers Deb Thelen
Angela Baker Belinda Lance Marie Rice
25
Bridgette Lynn Tammy McQueen Colleen Pitney
         YEARS
YEARS
YEARS
YEARS
YEARS
]]></page><page Index="11" isMAC="true"><![CDATA[  CHRISTA OWEN, CRCM
Vice President, Chief Compliance Officer
Farmers National Bank | Promotion Date: November 2021
09
MILESTONES
   CASSIE SCOTT, CTOP
  Vice President, Director of Operations WealthSouth | Promotion Date: November 2021
LESLIE BROWN
Assistant Vice President, Danville Square Retail Branch Manager Farmers National Bank | Promotion Date: February 2021
MICHAEL MARSH
Assistant Vice President, Customer Relations Manager Farmers National Bank | Promotion Date: February 2021
          JOHN SMITH
Vice President, Commercial Relationship Manager WealthSouth | Hire Date: April 2021
BLAKE MASON
Assistant Vice President, Business Development Officer Farmers National Bank Promotion Date: February 2021
BETH PIKE
Assistant Vice President, Treasury Operations Manager Farmers National Bank Promotion Date: March 2021
WITTEN HAYES
Assistant Vice President, Loan Operations Manager Farmers National Bank Promotion Date: May 2021
           JAKE GOURLEY
Assistant Vice President, Loan Officer Farmers National Bank | Hire Date: August 2021
  ]]></page><page Index="12" isMAC="true"><![CDATA[         BOARD OF DIRECTORS
10
JOHN C. ALBRIGHT
Caldwell Stone Company
LOUIS M. BETO, DMD
Retired Oral & Maxillofacial Surgeon
      ROBERT I. CALDWELL
Central Seal Company
 GREG W. CAUDILL
Retired Banker
                    HENRY VINCENT
PENNINGTON, III
Sheehan, Barnett, Dean, Pennington, Dexter & Tucker, PSC
PATTI POWELL
Stuart Powell Ford-Lincoln-Mazda
STEVE FOX
Businessman
LOGAN H. GERMANN
Businessman
J. MARTIN GIBSON
President/CEO
HUGH GATES HINES, III
Businessman & Farmer
JOHN B. RODES, CPA
Kerbaugh, Rodes & Butler, PLLC
                  JEFFREY J. THORNTON
Retired Banker
         ]]></page><page Index="13" isMAC="true"><![CDATA[  J. Martin Gibson
President/CEO
William Gooch
Executive Vice President, Chief Risk Officer
Amy Isola
Executive Vice President, Director of Human Resources
Kevin P. Arnold
Senior Vice President, Senior Lender
Brandon Drake
Senior Vice President, Head of Sales and Service
Robert A. Feenick
Senior Vice President, Equine Lending
John Goggin
Senior Vice President, Chief Credit Officer
Yvonne Gooch, cCAE
Senior Vice President, Director of Internal Audit
Adam Hopkins
Senior Vice President, Chief Security Officer
Brandon Meek
Senior Vice President, Chief Information Officer
Chris Sparrow
Senior Vice President, Chief Financial Officer
Katie Baird
Vice President, Controller
Sharon K. Howell, CFMP
Vice President, Director of Marketing
Christa Owen, CRCM
Vice President,
Chief Compliance Officer
Brant Welch
Vice President, Customer Experience Manager
Rob Caudill
Assistant Vice President, Commercial Loan Officer
Jennifer Cochran, CAMS
Assistant Vice President, BSA Officer
Scott Dickison
Assistant Vice President, Credit Analyst
Kim Elliott
Assistant Vice President, Loan Officer
Angela Frisby
Assistant Vice President, Loan Officer
Witten Hayes
Assistant Vice President, Loan Operations Manager
Carla Johnson
Assistant Vice President, Human Resources Generalist
Jeremy Leigh
Assistant Vice President, Technology Manager
Steve Littlefield
Assistant Vice President Asset Resolution Manager
Michael Marsh
Assistant Vice President, Customer Relations Manager
Blake Mason
Assistant Vice President, Business Development Officer
Staton Nesbitt
Assistant Vice President, Commercial Loan Officer
Ronda Nolan
Assistant Vice President Internal Auditor
Beth Pike
Assistant Vice President, Treasury Operations Manager
Marie Rice
Assistant Vice President, Main Office Retail Manager
Mary Richey
Assistant Vice President, Assistant Retail Banking Manager
Dalton Southerland
Assistant Vice President, Commercial Loan Officer
Brandi Todd
Assistant Vice President, Operations Manager
Kasey Wilson
Assistant Vice President, Deposit Operations Manager
BURGIN
Patti Chidester
Assistant Vice President, Burgin Branch Manager
DANVILLE SQUARE
Leslie Brown
Assistant Vice President, Danville Square Retail Branch Manager
GARLAND DRIVE
Talisa Lay
Assistant Vice President, Garland Drive Branch Manager
HARRODSBURG BANKING CENTER
Robert Baughman
Vice President, Mercer County Market Manager
Anne Curry
Assistant Vice President, Retail Branch Manager
Jimmy Drakeford
Vice President, Loan Officer
LANCASTER BANKING CENTER
Chris Davis
Assistant Vice President, Garrard County Market Manager
LIBERTY BANKING CENTER
Tammy McQueen
Vice President, Casey County Market Manager
Jake Gourley
Assistant Vice President, Commercial Relationship Manager
PERRYVILLE BANKING CENTER
Lisa Bottom
Vice President,
Perryville Market Manager
STANFORD BANKING CENTER
Sharon Keith
Vice President, Loan Officer
Donya Saylor
Assistant Vice President, Lincoln County Market Manager
FNB INVESTMENT SERVICES
Jeff Joiner, CPFA
Vice President, Investment Broker
Valery McMann, CFP, CPFA
Vice President, Investment Broker/Insurance Advisor
WEALTHSOUTH
Thomas Hager
President
Rusty Clark
Executive Vice President, WealthSouth Western Kentucky Regional President
Rick Cash, CRSP
Senior Vice President, Institutional Specialist
James Fereday
Senior Vice President Chief Investment Officer
William J. Howell
Senior Vice President Market Director - Lexington
Brian K. Reynolds,CRSP, CTFA
Senior Vice President, Institutional Director
Kevin D. Simpson, CTFA
Senior Vice President,
Market Director - Bowling Green
11 OFFICERS Allen White, Jr., AAMS, CTFA
Senior Vice President, Market Director - Danville
Jeff Zinger
Senior Vice President, Lending Manager, Growth Markets
Shelley Bigelow, CTFA, NSSA
Vice President, Senior Trust Officer
John Cadwell
Vice President,
Wealth Management Advisor
Jamie Eads, APR, AIF
Vice President, Institutional Specialist
Cameron Freeman
Vice President, Commercial Relationship Manager
Joanna Futrell
Vice President, Commercial Relationship Manager
Laura Jones, J.D., CTFA
Vice President, Senior Trust Officer
Clint Long
Vice President, Institutional Investment Consultant
Gordon Mullis, J.D.
Vice President, Trust Officer
Katy Neyhouse, CTFA, NSSA
Vice President, Trust Officer
Sam Pollom, J.D., CTFA
Vice President, Director of Compliance
Cassie Scott, CTOP
Vice President, Director of Operations
John Smith
Vice President, Commercial Relationship Manager
Lee Walker
Vice President,
Senior Portfolio Manager
Ralph “Bud” Watson, II., CPA
Vice President, Senior Wealth Management Advisor
Rodney Wesley
Vice President, Private Banker
Tim Yessin
Vice President, Wealth Management Advisor
Nikolaus Smither, CFA
Assistant Vice President, Portfolio Manager
Judy Walker
Assistant Vice President, Trust Administrator
                         ]]></page><page Index="14" isMAC="true"><![CDATA[      COMMUNITY BOARDS
12
BOYLE
Clay Albright
Caldwell Stone Company
Scott Bottoms
President, Danville Office Equipment
Mary Ann Wilder Brown
Funeral Director
CASEY
Anna Lou Tarter-Smith
Tarter Industries
Joey Tucker
RJ’s Equipment & More
Jerry M. Germann
Farmer & Businessman
Morton M. Hoagland
Retired Banker
Daniel McKay
Ephraim McDowell Health, CEO
Teresa Thompson
Owens Construction
Brent Ware
Retired Agriculture Teacher/FFA Director (Casey County High School) & Farmer
Mark Morgan
Attorney
Tom Poland
Businessman & Retired Banker
Mark Ward
Optometrist
Breece Hayes
Breece Hayes DC, PSC Coordinator
Tommy Noe
Garrard County Farm Bureau
Darren Taul, DVM
Veterinarian
Bill Payne
Farmer
George O. (Sonny) Spoonamore
Lincoln County Court Clerk
  GARRARD
 Deonica Asbery
Realtor
Matthew Barsotti
Retired Businessman
Mary Adrianne Davis
Garrard County Schools
LINCOLN
Samuel T. Adams
Farmer
Sonja Bratcher
Kentucky Farm Bureau, Agent
David Campbell
Farmer
Daryl K. Day
Lincoln County Attorney
MERCER
David Baker
Farmer
Susan Thompson Barrington
Retired State Park Superintendent
Don Carney
Retired Banker
Dale Cinnamon
Retired Banker
Jason Gaffney
Farmer
Jason Hensley
Businessman
Billy V. Lanham
Retired Banker
James Mack Dunn
Businessman
H. Richard Faulkner
Retired Businessman
Sheree H. Gilliam
Retired Businesswoman
Ina Glass
Vice President of Outpatient Care & Administration
Samuel Dixon Dedman
Businessman
LeMayne Ellis, DVM
Veterinarian
Jeffery Klosterman, OD
Optometrist
Margaret Meredith
CPA
Larry Royalty
Retired Banker
David Taylor
Attorney
John Trisler
Retired IBM Official & County Judge Executive
   COUNTY
COUNTY
COUNTY
COUNTY COUNTY
]]></page><page Index="15" isMAC="true"><![CDATA[               ]]></page><page Index="16" isMAC="true"><![CDATA[     P.O. Box 28 • 304 West Main Street | Danville, Kentucky 40423 www.fnbky.com | www.wealthsouth.com
]]></page></pages></Search>