﻿<?xml version="1.0" encoding="utf-8"?><Search><pages Count="16"><page Index="1" isMAC="true"><![CDATA[             2
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A Wholly Owned Subsidiary of Boyle Bancorp, Inc.
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           ]]></page><page Index="2" isMAC="true"><![CDATA[   Boyle Bancorp, Inc. 304 West Main Street Danville, Kentucky 40422 (859) 236-2926
www.fnbky.com
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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, 2023. 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 Letter to Shareholders 2 Financial Highlights
3–6 Auditors Financials
7 Years of Service & Retirees
8–9 Milestones 10 Officers
11 Board of Directors 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, KY 40330
(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 Short Town 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 Shareholders will be held at Third Street Methodist Church, 117 South Third Street, Danville, KY 40422, Tuesday, May 23, 2023, at 11:00 am, EST. Formal notice has been sent to the shareholders of record with this report.
]]></page><page Index="3" isMAC="true"><![CDATA[  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 am proud to say we are one of only 123 banks chartered in Kentucky. In 2014, there were over 200 banks chartered in Kentucky and in 2019 there were just under 140.
Lack of succession planning and limited growth opportunities have led to significant consolidation. Your bank continues to focus on its important strategic initiatives to ensure continued success
for years to come. Community banks like ours continue to play
a critical role in the communities we serve. Examples have been abundant over the past three years. Offering digital products and services, and making adequate investment in technology and people, are important for long term success. We continue to do that. However, even in a digital age, being able to offer a personal touch to customers will be the difference in an average bank and a high performing bank. In my opinion, your bank does that better than any of our competitors.
2022 was a record year for total assets, total loans outstanding, total deposits and earnings. After three years of unusually high liquidity levels, rising interest rates and inflation are leading to
a decrease in deposit balances. While loan growth continues to exceed expectations, we expect total assets to decrease in 2023, as depositors search for higher yielding options.
Total assets at year-end were $945.9 million. Net income increased 23% last year. Earnings per share increased to
$11.36 and dividends to shareholders increased to $2.84 per
share. We remain ahead of regulatory capital requirements with stockholders’ equity of $63.3 million. More details about our balance sheet and income statement can be found in the Financial Highlights section of this report.
WealthSouth, our asset management and commercial lending division, continues to mature, while also affording us a unique means for growth. Strategic growth goals are being met using this model as opposed to the more traditional, and more expensive, branching model most banks deploy. Assets under management exceed $875 million. Total revenue of the unit grew 17% YOY while net income grew by 34%. We hired Darren Spainhoward to head
up WealthSouth’s expansion into the Evansville, IN market. He has 32 years of experience in banking, most of which have been as a commercial lender. Darren will oversee our expansion initiative in the Evansville market.
Letter to Shareholders
We had two long-term employees retire in 2022. Colleen Pitney retired after 25 years, and Donna Bryington retired after 14 years of service. Both were valued employees whose contributions over the years are much appreciated.
Quality talent attraction and retention have long been a key
to our success. Several employees were promoted in 2022.
Most of these promotions were the result of several long-term employees retiring over the past few years. Succession planning is a priority and afforded us the opportunity to backfill openings without disruption. Sam Pollom, Market Director of WealthSouth Danville was promoted to SVP; Jennifer Cochran, BSA Officer,
was promoted to VP; Dalton Southerland, Commercial Loan Officer, was promoted to VP; Chris Davis, Garrard County Market Manager, was promoted to VP; Mary Richey, Assistant Retail Banking Manager, was promoted to VP; Greg Branam, Credit Administration, was promoted to AVP; Courtney Bryant, Senior Loan Operations Specialist, was promoted to AVP; Lorie Munford, Senior Centralized Processor, was promoted to AVP; Blake Mason, Commercial Loan Officer, was promoted to AVP; Ashley Drakeford, Lancaster Branch Manager, was promoted to AVP; Josh Ford, East Main Branch Manager, was promoted to AVP; and Amanda Taylor, Junction City Branch Manager, was promoted to AVP. In 2022, we added Darren Spainhoward, SVP, Evansville Market Director to establish our WealthSouth presence in Evansville, IN.
Looking ahead to 2023, we are thankful for the continued support of our shareholders and optimistic about our future. Our strategic plan continues to evolve as we grow and enter new markets. It
is easy to see the financial successes of the past few years. The current economic cycle is expected to contract in an effort by the Fed to lower inflation. Although this will likely lead to additional challenges in 2023, our strategic plan is still the best path forward to ensure future growth and continue adding shareholder value.
As I said earlier in this letter, your continued support as a shareholder is appreciated. Our goal has been, and continues to be, to generate a favorable return annually while increasing long- term shareholder value. I believe 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
01
  Community banks are uniquely positioned to positively impact the communities we serve. We did that in a big way in 2022. Our state experienced two significant weather-related disasters last year. With the support of our board, we donated to both relief recovery efforts. Additionally, our staff raised money to add to our corporate contribution. Throughout the year we financially supported more than 40 organizations in our markets and staff volunteered over 1,550 hours of service. We also have staff serving on 23 different boards across our footprint.
]]></page><page Index="4" isMAC="true"><![CDATA[  Financial Highlights
02
 In thousands except per share figures 2022 2021 % of Change
 BALANCE SHEET ITEMS
Assets
Deposits
Loans (net) Stockholders’ Equity
$ 945,979 874,087 559,230 63,319
$ 907,084 814,833 476,517 74,431
+ 4.29%
+ + –
7.27% 17.36% 14.93%
 OPERATIONS
Net Income
Net Income per Share Dividends Paid Dividends Paid per Share
$ 8,020
9.24 + 22.94%
2,431 + 1.40% 2.80 + 1.43%
$ 9,865 11.36 2,465 2.84
+ 23.00%
 PERFORMANCE RATIOS
Equity to Assets (averages) Return on Average Assets Return on Average Equity
7.15% 1.10% 15.44%
8.89%
0.98% 10.98%
$3.00 $2.50 $2.00 $1.50 $1.00 $ .150 $ .00
$12.00 $11.00 $10.00
$9.00 $8.00 $7.00 $6.00 $5.00 $4.00 $3.00 $2.00 $1.00 $.010
2018
2019 2020
2021 2022
$85 $80 $75 $70 $65 $60 $55 $50 $45 $40 $35 $30 $25 $20 $15
Dividends per Share
Book Value per Share
         $2.68
$2.72
$2.76
$2.80
$2.84
      $75.37
$82.09
$85.74
  $72.94
 $68.63
           Earnings per Share
        2018
2019
2020 2021 2022
Return on Average Assets
1.0%
.5%
  Return on Average Equity
15% 10% 5%
0%
.0%
   $11.36
 $9.24
  $6.30
$6.35
 $5.93
        15.44%
1.00%
0.99%
0.98%
1.10%
  0.77%
  10.98%
   8.85%
8.61%
  8.02%
        2018 2019
2020 2021 2022
2018 2019 2020 2021 2022
2018 2019 2020 2021 2022
]]></page><page Index="5" isMAC="true"><![CDATA[  December 31, 2022 and 2021
(dollars in thousands, except share and per share data)
Cash and due from banks
Securities available for sale
Loans, net of allowance for loan losses of $7,653 and
$6,310 at December 31, 2022 and 2021, respectively Premises and equipment, net
Right-of-use assets
Federal Reserve and Federal Home Loan Bank stock Accrued interest receivable
$
$
559,230 15,556 1,551 2,230 3,283 Goodwill 2,619
Deferred tax asset Other assets
TOTAL ASSETS
$
$
6,263 7,277
945,979
180,268 652,813 41,006
874,087
– 1,547 7,026
882,660
347 4,477 74,022 (15,527)
63,319 945,979
$
$
03
Conslidated Balance Sheets
 ASSETS
2022
141,825 206,145
2021
204,415 194,513
476,517 15,697 1,516 2,660 2,447 2,619 51 6,649
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
    LIABILITIES AND STOCKHOLDERS’ EQUITY
Deposits
Demand
Savings, NOW and money market Time
TOTAL DEPOSITS
Liabilities
Advances from the Federal Home Loan Bank Operating lease liability
Other liabilities
TOTAL LIABILITIES
Stockholders’ Equity
       Common stock, $0.40 par value; 2,500,000 shares authorized, 868,059 (2022) and 868,059 (2021) 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="6" isMAC="true"><![CDATA[  04
 Consolidated Statements of Income
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
TOTAL INTEREST EXPENSE
Net Interest Income axes 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
$
$
$
$ $
$
$
2022
24,244
2,543 2,500
106 2,291
31,684
2,858 80
2,938
28,746 1,622
27,124
5,340 4,948 2,238 23 279
12,828
17,349 4,010 1,820 240 1,030
374
– 2,777
27,600
12,352 2,487
9,865 11.36
$
$
$
$ $
$
$
2021
21,484
1,654 2,284
65 196
25,683
1,031 132
1,163
24,520 585
23,935
5,232 4,587 2,281 267 242
12,609
16,833 3,964 1,425 225 1,119
333
36 2,586
26,521
10,023 2,003
8,020 9.24
December 31, 2022 and 2021
(dollars in thousands, except share and per share data)
               $
$ $
$
$ $
       ]]></page><page Index="7" isMAC="true"><![CDATA[  Balances, January 1, 2021
Net income
Other comprehensive loss Dividends on common stock,
$2.80 per share
Balances, December 31, 2021
Net income
Other comprehensive loss Dividends on common stock, $2.84 per share
Balances, December 31, 2022
$
$
$
61,033 8,020 –
(2,431) 66,622
9,865 –
(2,465) 74,022
$
$
$
5,400 – (2,415)
– 2,985
– (18,512)
– (15,527)
$
$
$
71,257 8,020 (2,415)
(2,431)
74,431
9,865 (18,512)
(2,465) 63,319
05
 December 31, 2022 and 2021
(dollars in thousands, except share and per share data)
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
Consolidated Statements of Stockholders Equity
        ]]></page><page Index="8" isMAC="true"><![CDATA[  06
 Consolidated Statements of Cash Flow
December 31, 2022 and 2021
(dollars in thousands, except share and per share data)
2022
2021
8,020
1,267 585 627 100
23 417 (222)
94 (1,441) (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
 CASH FLOWS
Operating Activities
Net income $ 9,865 Items not requiring (providing) cash
Depreciation and amortization 1,269 Provision for loan losses 1,622 Amortization of premiums and discounts on securities 457 Amortization of intangibles 100 Net realized gains/ losses on sale and writedowns of
$
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
Redemption 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
Net cash used in investing activities
Financing Activities
Net increase in demand deposits, money market, NOW and savings accounts
Repayment of FHLB advances Dividends paid
Net cash provided by financing activities
(Decrease)/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
Operating right-of-use asset in exchange
– (58) (223)
(836) (728) 723
$ 12,191
(51,078)
14,323 430 (84,335) (910) –
$ (121,570)
59,254 (10,000) (2,465)
$ 46,789
$ (62,590) $ 204,415 $ 141,825
$ 2,875 2,080
$
     $
$
$ $ $
$
         for lease liability
250
–
]]></page><page Index="9" isMAC="true"><![CDATA[  5 • Katie Baird
• Kristin Blevins
• Lexie Cheatham • James Fereday • Angela Frisby
• Witten Hayes
• Clinton Long
07
10 • Gary Schroeder • Jeremy Stearns
15
• Leslie Brown
• Whitney Cash
• Avanda Coffman
• Anne Curry
• James Drakeford
• Sharon Gambrel-McElroy • Jeremy Leigh
• Donya Saylor
20 • Kevin Arnold
• Christine Crowe
• Barry Steele
• Michael Marsh
• Janice Messer
• Ronda Nolan
• Dalton Southerland • Amanda Taylor
• Glenna Worthington
Years of Service & Retirees
30 • John Goggin DONNA BRYINGTON
  COLLEEN PITNEY
25 Years of Service
Retired: January 2022
   14 Years of Service
Retired: December 2022
YEARS
YEARS
YEARS
YEARS
YEARS
]]></page><page Index="10" isMAC="true"><![CDATA[  Milestones
08
  SAM POLLOM
Senior Vice President, Market Director – Danville
WealthSouth
Promotion Date: January 2022
JENNIFER COCHRAN
Vice President, BSA Officer
Farmers National Bank
Promotion Date: February 2022
DALTON SOUTHERLAND
Vice President, Commercial Loan Officer
Farmers National Bank
Promotion Date: February 2022
GREG BRANAM
Assistant Vice President, Credit Administration
Farmers National Bank
Promotion Date: February 2022
DARREN SPAINHOWARD
Senior Vice President,
Market Director – Evansville
WealthSouth
Hired Date: September 2022
CHRIS DAVIS
Vice President, Garrard County
Market Manager Farmers National Bank
Promotion Date: June 2022
MARY RICHEY
Vice President Assistant Retail
Banking Manager Farmers National Bank
Promotion Date: December 2022
             ]]></page><page Index="11" isMAC="true"><![CDATA[   COURTNEY BRYANT
Assistant Vice President,
Senior Loan Operations Specialist
Farmers National Bank
Promotion Date: February 2022
JOSH FORD
Assistant Vice President, East Main Branch Manager
Farmers National Bank
Promotion Date: December 2022
BLAKE MASON
Assistant Vice President, Commercial Loan Officer Farmers National Bank
Promotion Date: December 2022
AMANDA TAYLOR
Assistant Vice President, Junction City Branch Manager
Farmers National Bank
Promotion Date: December 2022
Milestones
LORIE MUNFORD
Assistant Vice President, Senior Centralized Processor
Farmers National Bank
Promotion Date: February 2022
09
          ASHLEY DRAKEFORD
Assistant Vice President, Lancaster Branch Manager
Farmers National Bank
Promotion Date: December 2022
    ]]></page><page Index="12" isMAC="true"><![CDATA[  10
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 Jennifer Cochran, CAMS Vice President, BSA Officer Sharon K. Howell, CFMP Vice President,
Director of Marketing
Christa Owen, CRCM
Vice President,
Chief Compliance Officer Mary Richey
Vice President,
Assistant Retail Banking Manager
Dalton Southerland
Vice President, Commercial Loan Officer Brant Welch
Vice President, Customer Experience Manager Greg Branam
Assistant Vice President, Credit Administration Rob Caudill
Assistant Vice President, Commercial Loan Officer Courtney Bryant
Assistant Vice President,
Senior Loan Operations Specialist
Scott Dickison
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
JUNCTION CITY BANKING CENTER
Amanda Taylor
Assistant Vice President, Junction City Branch Manager
LANCASTER BANKING CENTER
Chris Davis
Vice President,
Garrard County Market Manager Ashley Drakeford
Assistant Vice President, Lancaster Branch 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 Allen White
Senior Vice President, Investment Executive
WEALTHSOUTH
Thomas Hager
President
Rusty Clark
Executive Vice President, 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 Sam Pollom, J.D., CTFA Senior Vice President, Market Director - Danville Brian K. Reynolds,CRSP, CTFA Senior Vice President, Institutional Director
Kevin D. Simpson, CTFA
Senior Vice President,
Market Director - Bowling Green Darren Spainhoward
Senior Vice President,
Market Director - Evansville
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
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 Compliance Officer
Katy Neyhouse, CTFA, NSSA
Vice President, Trust Officer Cassie Scott, CTOP
Vice President,
Director of Operations
John Smith
Vice President, Commercial Relationship Manager
Lee Walker
Vice President,
Senior Portfolio Manager
Ralph S. “Bud” Watson II, CPA, CGMA 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
2022 Officers
J. Martin Gibson
President/CEO
William Gooch
President, President, President, President,
Assistant Vice
Credit Analyst
Kim Elliott
Assistant Vice
Loan Officer
Angela Frisby
Assistant Vice
Loan Officer
Witten Hayes
Assistant Vice
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, Commercial Loan Officer Lorie Munford
Assistant Vice President, Senior Centralized Processor Ronda Nolan
Assistant Vice President, Internal Auditor
Beth Pike
Assistant Vice President, Treasury Operations Manager Marie Rice
Assistant Vice President, Main Office Retail Manager 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 Branch Manager
EAST MAIN
Josh Ford
Assistant Vice President, East Main Branch Manager
GARLAND DRIVE
Talisa Lay
Assistant Vice President, Garland Drive Branch Manager
           ]]></page><page Index="13" isMAC="true"><![CDATA[      JOHN C. ALBRIGHT
Caldwell Stone Company
GREG W. CAUDILL
Retired Banker
LOGAN H. GERMANN
Businessman
HUGH GATES HINES III
Businessman & Farmer
ERIN M. RING, CPA
Central Seal Company
LOUIS M. BETO, DMD
Retired Oral & Maxillofacial Surgeon
TRAVIS COX
Tarter Farm & Ranch Equipment
J. MARTIN GIBSON
President/CEO
HENRY VINCENT PENNINGTON III
Sheehan, Barnett, Dean, Pennington, Dexter &
Tucker, PSC
JOHN B. RODES, CPA
Kerbaugh, Rodes & Butler, PLLC
2022 Board of Directors
ROBERT I. CALDWELL
Central Seal Company, Semi-Retired
STEVE FOX
Businessman
JOHN HELM
Farmer & Auctioneer
PATTI J. POWELL
Stuart Powell Ford-Lincoln-Mazda
JEFFREY J. THORNTON
Retired Banker
11
                           ]]></page><page Index="14" isMAC="true"><![CDATA[  Breece Hayes
Breece Hayes DC, PSC Coordinator
Anna Lou Tarter-Smith
Tarter Industries
Teresa Thompson
Owens Construction
Joey Tucker
RJ’s Equipment & More
Retired Agriculture Teacher/FFA Director (Casey County High School) & Farmer
Billy V. Lanham
Retired Banker
Tommy Noe
Garrard County Farm Bureau
Darren Taul, DVM
Veterinarian
Bill Payne
Farmer
12
 Community Boards
BOYLE
Clay Albright
Caldwell Stone Company
Scott Bottoms
President, Danville Office Equipment
Jerry M. Germann
Farmer & Businessman
Morton M. Hoagland
Retired Banker
Dr. Justin Kolasa, MD
Danville Oral & Maxillofacial Surgery
Daniel McKay
Ephraim McDowell Health, CEO
Mark Morgan
Attorney
Dr. Lisa Neal, DMD
Danville Family Dentistry
Tom Poland
Businessman & Retired Banker
Brent Ware
Mark Ward
Optometrist
CASEY
GARRARD
 Deonica Asbery
Realtor
Matthew Barsotti
Retired Businessman
Eric Caldwell
Docubit
Mary Adrianne Davis
Garrard County Schools
Jason Gaffney
Farmer
Jason Hensley
Businessman
LINCOLN
Sonja Bratcher
Kentucky Farm Bureau
David Campbell
Farmer
Daryl K. Day
Attorney
James Mack Dunn
Businessman
Sheree H. Gilliam
Retired Businesswoman
Ina Glass
Retired Healthcare Professional
MERCER
David Baker
Farmer
Susan Thompson Barrington
Retired State Park Superintendent
Don Carney
Retired Banker
Dale Cinnamon
Retired Banker
Samuel Dixon Dedman
Businessman
LeMayne Ellis, DVM
Veterinarian
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[ MAIN - DANVILLE
BURGIN DANVILLE SQUARE EAST MAIN GARLAND HARRODSBURG JUNCTION CITY LANCASTER LIBERTY MIDDLEBURG PERRYVILLE STANFORD
 OFFICE
]]></page><page Index="16" isMAC="true"><![CDATA[                             P.O. Box 28 • West Main Street | Danville, Kentucky 40423 www.fnbky.com | www.wealthsouth.com
]]></page></pages></Search>