﻿<?xml version="1.0" encoding="utf-8"?><Search><pages Count="24"><page Index="1" isMAC="true"><![CDATA[ ]]></page><page Index="2" isMAC="true"><![CDATA[                                                                    Boyle Bancorp, Inc. 304 West Main Street Danville, Kentucky 40422 (859) 236-2926
www.fnbky.com
MN
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.
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
Vice President
Chief Financial Officer Farmers National Bank
P.O. Box 28
Danville, Kentucky 40423-0028
     CONTENTS 1 Letter to Shareholders 2 Financial Highlights
3–7 Financials
8–11 Historical Treasures
12–15 140th Anniversary Celebration
16 Milestones
17 Employee Years of Service Awards 18 Officers
19 Board of Directors
  DESCRIPTION OF BUSINESS
20 Community Boards
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:
ANNUAL MEETING
The Annual Meeting of the shareholders will be held at the Trinity Episcopal Church, Parish Hall, 320 W. Main St., Danville, KY 40422, Tuesday, May 26, 2020, at 11:00 am, EST. Formal notice has been sent to the
shareholders with this report.
Main Office
304 W. Main Street Danville, KY 40422 (859) 236-2926
TTY: (859) 236-0360
Harrodsburg
776 South College Street Harrodsburg, KY 40330 (859) 734-9953
Lancaster
20 Commerce Drive Lancaster, KY 40444 (859) 792-1914
Perryville
309 E. Second Street Perryville, KY 40468 (859) 332-2221
Stanford
131 Frontier Boulevard Stanford, KY 40484 (606) 365-8851
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 Danville, KY 40422 (859) 239-9516
Junction City
101 Shelby Junction Lane Junction City, KY 40440 (859) 854-5006
Garland Drive
100 Garland Drive Danville, KY 40422 (859) 236-5182
    ]]></page><page Index="3" isMAC="true"><![CDATA[                TO THE SHAREHOLDERS
01
 Your bank achieved several highlights in 2019 including record highs in asset size, loans outstanding, earnings per share and stockholder’s equity. We also celebrated the 140th anniversary of our founding and began the process of acquiring a bank in a neighboring county. For these reasons, and many more, we are pleased to present this 2019 Annual Report to Shareholders.
As we mentioned, last year Farmers National Bank grew to an all-time high in total assets. At the end of December that figure was $584 million. With the anticipated acquisition of the Farmers Deposit Bank in Casey County in late January of 2020, we will be well over $600 million in total assets and the 22nd largest bank chartered in the state.
Additionally, as it relates to our financial performance last year, earnings-per-share increased to $6.30 on roughly 868,000 outstanding shares. We also increased the dividend paid to our shareholders to $2.72 per share. More details about our balance sheet and income statement can be found in the Financial Highlights section of this report.
Growing the size of the bank will continue to be a strategy upon which we focus. Both organic growth within our current markets as well as possible acquisitions outside of our area, are in our future. For several months in 2019, we were in negotiations to purchase the Farmers Deposit Bank, which was headquartered at that time in Liberty, Kentucky. Towards the latter part of last year, we signed a definitive agreement which called for closing the transaction early in the first quarter of 2020. To prepare for this purchase, we moved funds, via dividend, from the bank to our holding company (Boyle Bancorp, Inc.). This caused the banks’ capital ratios to temporarily decrease at the end of the year, a situation that should change positively once the transaction is completed. With the addition of that bank, which also has a branch in Middleburg where it was originally chartered, Farmers National Bank will have twelve banking offices in five counties.
As the community banking landscape continues to change, there are increasingly fewer banks in the Commonwealth. Less than five years ago, there were over 200 banking charters in Kentucky, while today, there are fewer than 140. This trend towards consolidation, merger and change-of-control will undoubtedly continue and should bode well for banks like ours who are both well-capitalized and have a strategy for growth.
WealthSouth, our asset management and commercial lending division, has grown substantially over the last couple of years. At present, the asset management component has over $2 billion in assets under advisement. Looking back over the last two years, the total revenue of the unit has grown by 40%, including 22% in 2019. In addition, net income has grown by 91%. This operation is a large part of who we are as a financial institution and we are pleased with its progress.
As a leading financial services provider to our local markets, we continue to invest heavily in technology to meet the changing needs and expectations of our customers. As the first bank to offer Interactive Teller Machines in Boyle County, we have continued to be a local innovator in community banking. Customer satisfaction for this “Teller on Demand” service has been excellent since day one. Given this positive feedback, we have added a new Teller on Demand location at Colton Drive in north Harrodsburg.
In addition to Teller on Demand, customer utilization of our internet and debit card delivery channels continues to grow. We are constantly improving these services and offer reliable and secure technologies such as mobile account access, mobile check deposits, app-based debit card management, and mobile wallet services like Apple Pay, Android Pay, and Samsung Pay.
Innovative technologies are also critical to our business clients. We have continued to make improvements in our commercial services such as ACH and wire transfer processing, remote deposit capture, and merchant card processing services. We have focused heavily on these treasury management services in 2019 and can offer commercial clients a full suite of electronic banking services to fit their needs, no matter where they are located.
In personnel moves of note, Kathy Milby, Assistant Vice President and Trust Administrator in our Danville WealthSouth office, chose to retire in November. Kathy had been employed in the asset management field for over thirty years and spent the last ten with us. We are pleased that she now has more free time to spend with her family and friends. Jimmy Drakeford was promoted to Vice President, Loan Officer at our Harrodsburg location. He has been with us since 2007 and knows the Mercer County market as well as anyone in banking. Additionally, in Harrodsburg, Bob Baughman was hired as Vice President, Mercer County Market Manager. Bob has been in banking for many years and we are delighted that he is now a member of our team. In our Lexington WealthSouth office, Cam Freeman was hired as Commercial Relationship Manager. He brings proven experience from a larger bank as well as a youthful energy to this position. In September, Joanna Futrell joined our WealthSouth staff in Bowling Green as Vice President, Commercial Relationship Manager. She knows that market well and has already brought several customers on board.
In February we celebrated the 140th anniversary of our founding. We took the opportunity throughout much of the year to recognize some of the milestones in our long history. Thanks to the efforts of Director of Marketing Sharon Howell and others, we have now chronicled much of our past in a book entitled, “Farmers National Bank, The First 140 Years”. Many of the items mentioned in the book are on display in our Main Office lobby, available for viewing, if you are in the area.
You will notice that we have not included the audited financials in this report. Full audited financials will be available no later than April 30, 2020. We are happy to provide a copy to anyone wishing to have the full report once available. Please e-mail Katy Bramel at katy.bramel@fnbky.com if you would like a copy.
As we say often, and it bears repeating again, thanks for your advocacy of our bank. As the owners of a thriving community bank, you play a special part in who we are and what we do. We appreciate your support and are honored to lead this great organization.
Our best to you all,
Greg W. Caudill,
Chief Executive Officer
Marty Gibson
President
                                                 ]]></page><page Index="4" isMAC="true"><![CDATA[                   02
FINANCIAL HIGHLIGHTS
 In thousands except per share figures 2019 2018 % of Change
 BALANCE SHEET ITEMS
Assets
Deposits
Loans (net) Stockholders’ Equity
$ 584,666 500,192 397,296 65,426
$ 552,242 486,794 384,640 59,794
+ 5.87% + 2.75% + 3.29% + 9.42%
 OPERATIONS
Net Income
Net Income per Share Dividends Paid Dividends Paid per Share
$ 5,483 6.30 2,366 2.72
$
5,165 + 5.93 + 2,336 + 2.68 +
6.16% 6.24% 1.28% 1.49%
 PERFORMANCE RATIOS
Equity to Assets (averages) Return on Average Assets Return on Average Equity
11.47% 0.99% 8.61%
11.24% 1.00% 8.85%
Earnings per Share
$7.00 $6.75 $6.50 $6.25 $6.00 $5.75 $5.50 $5.25 $5.00 $4.75 $4.50 $4.25 $4.00 $3.75 $3.50 $3.25 $3.00 $2.75 $2.50 $2.25 $2.00 $1.75 $1.50 $1.25 $1.00 $1.75 $1.50 $1.00
Dividends per Share
Book Value per Share
  $75
$70
$65
$60
$55
$50
$45
$40
$35
$30
$25
$20
$15
$10
         $66.64
$75.37
 $68.63
   $62.64
$63.83
          $5.30
$5.75
$6.30
 $5.93
   $4.79
  $2.60
$2.64
$2.72
 $2.68
  $2.40
               2015
2016
2017       2018       2019
Return on Average Assets
 Return on Average Equity
    15% 1.5% 10% 1.0%
            1.00%
0.99%
   9.09%
  8.64%
8.85%
8.61%
  5% 0%
.5% .0%
7.24%
         2015
2016
2017
2018
2019
2015 2016 2017 2018 2019
2015 2016 2017 2018 2019
1.08%
1.10%
0.85%
 ]]></page><page Index="5" isMAC="true"><![CDATA[                CONSOLIDATED BALANCE SHEETS
December 31, 2019 and 2018
(dollars in thousands, except share and per share data)
  ASSETS
2019
48,784 113,767
397,296 15,052 1,956 1,953 2,357 – 3,501
584,666
108,611 339,330 52,251
500,192
10,000 1,956 7,092
519,240
347 4,477 57,920 2,682
65,426 584,666
03
2018
30,513 114,166
384,640 15,444 – 1,953 2,369
10 3,147
Cash and due from banks
Securities available for sale
Loans, net of allowance for loan losses of $4,507
and $4,417 at Dec. 31, 2019 and 2018, respectively Premises and equipment, net
Right-of-use asset
Federal Reserve and Federal Home Loan Bank stock Accrued interest receivable
Other real estate owned Other assets
TOTAL ASSETS
$
$
 $
$
$ $552,242
   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
$
99,649 325,796 61,349
486,794
–
– 5,654
492,448
348 4,495 55,192
(241)
59,794 552,242
      Common stock, $0.40 par value; 2,500,000 shares authorized, 868,059 (2019) and 871,264 (2018) shares issued and outstanding
Additional paid-in capital
Retained earnings
Accumulated other comprehensive income (loss)
TOTAL STOCKHOLDERS’ EQUITY
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY
$
$
     ]]></page><page Index="6" isMAC="true"><![CDATA[                CONSOLIDATED STATEMENTS OF INCOME
   04
INCOME & EXPENSES
Interest & Dividend Income
Loans, including fees Debt securities
Taxable
Tax-exempt
Dividends on Federal Home Loan and
Federal Reserve 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
December 31, 2019 and 2018
(dollars in thousands except per share amounts)
 $
$
$
$
2019
19,820
1,702 1,737
98 358 23,715
2,591 114 –
2,705
21,010 687
20,323
$
$
$
$
2018
17,650
1,623 1,848
114 165 21,400
1,686 282 –
1,968
19,432 270
19,162
           ]]></page><page Index="7" isMAC="true"><![CDATA[                CONSOLIDATED STATEMENTS OF INCOME
December 31, 2019 and 2018
(dollars in thousands except per share amounts)
INCOME & EXPENSES (cont.)
 Non-Interest Income
Fiduciary activities $ 4,220 Customer service fees 3,768 Brokerage and insurance services 1,717 Net gain on mortgage loan sales 97 Net realized gains on sales or calls of
available for sale securities 92 Other 123
TOTAL NON-INTEREST INCOME $ 10,017
Non-Interest Expense
Salaries and employee benefits 15,883 Occupancy 3,262 Data processing fees 827 State and local franchise tax 732 Professional fees 848 Federal Deposit Insurance Corporation assessment 68 Other real estate owned, net of gain on sale,
and writedowns 7 Other 2,352
TOTAL NON-INTEREST EXPENSE $ 23,979
Income Before Income Tax 6,361 Provision for Income Taxes 878
NET INCOME $ 5,483 BASIC EARNINGS PER SHARE $ 6.30
$
$
2019
05
2018
3,717 3,698 1,766 67
67 284
9,599
14,575 2,992 888 712 1,101 156
16 2,365
22,805
5,956 791
5,165 5.93
     $
$ $
       ]]></page><page Index="8" isMAC="true"><![CDATA[                   06
CONSOLIDATED STATEMENTS OF STOCKHOLDERS EQUITY
December 31, 2019 and 2018
(dollars in thousands except per share amounts)
Additional Common Stock Paid-In Shares Amount Capital
871,779 $ 348 $ 4,498 – – – – – –
– – – (515) – (3)
871,264 $ 348 $ 4,495 – – – – – –
– – –
– – – (3,205) (1) (18)
868,059 $ 347 $ 4,477
Retained Earnings
Accumulated Other Comprehensive Income (Loss)
Total Stockholders Equity
 Balances, January 1, 2018
Net income
Other comprehensive loss Dividends on common stock,
$2.68 per share Repurchase of common stock
Balances, December 31, 2018
Net income
Other comprehensive income Implementation of ASU 2018-02, reclassification of disproportionate tax effects Dividends on common stock,
$2.72 per share
Repurchase of common stock
Balances, December 31, 2019
$
$
52,397 5,165 –
(2,336) (34)
55,192 5,483 –
(168)
(2,366) (221)
57,920
$
$
852 – (1,093)
– –
(241) – 2,755
168
– –
2,682
$
$
58,095 5,165 (1,093)
(2,336) (37)
59,794 5,483 2,755
–
(2,366) (240)
65,426
    $
$
$
  ]]></page><page Index="9" isMAC="true"><![CDATA[                OPERATING ACTIVITIES
CONSOLIDATED STATEMENTS OF CASH FLOWS
 December 31, 2019 and 2018
(dollars in thousands)
2019
07
2018
5,165
971 270 534
47
16 (24) (67)
49 –
(76) (1,384)
2,778
8,279
(22,642)
16,664 6,171
(35,054) (639)
96 137
(35,267)
53,487 (12,056)
– (37) (2,336)
39,058 12,070 18,443 30,513
1,973 390 15
 Net income $ $5,483 Items not requiring (providing) cash
Depreciation and amortization 1,207 Provision for loan losses 687 Amortization of premiums and discounts on securities 437 Amortization of intangibles 45 Net realized gains/ losses on sale and writedowns on
$
other real estate owned
Net realized loss on premises and equipment Net realized gains on available-for-sale securities 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 securities available for sale
Proceeds from the sale of available for sale securities Net change in loans
Purchase of premises and equipment
Proceeds from sale of premises and equipment Proceeds from 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 Federal Home Loan Bank advances Proceeds from FHLB advances
Repurchase of common stock
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
7
– (92)
(466) (213)
12 (843)
1,438
7,702
(27,777)
25,633 5,864
(13,388) (602)
– 47
(10,223)
13,398 – 10,000
(240) (2,366)
20,792 $ 18,271 $ 30,513 $ 48,784
$ 2,685 840 45
$ $ $
$
           ]]></page><page Index="10" isMAC="true"><![CDATA[                HISTORICAL TREASURES
 08
              ]]></page><page Index="11" isMAC="true"><![CDATA[                HISTORICAL TREASURES
09
             ]]></page><page Index="12" isMAC="true"><![CDATA[                  10
HISTORICAL TREASURES
           ]]></page><page Index="13" isMAC="true"><![CDATA[                HISTORICAL TREASURES
11
             ]]></page><page Index="14" isMAC="true"><![CDATA[                 12
140TH ANNIVERSARY COMMUNITY CELEBRATION
                                                     ]]></page><page Index="15" isMAC="true"><![CDATA[                140TH ANNIVERSARY COMMUNITY CELEBRATION
13
             ]]></page><page Index="16" isMAC="true"><![CDATA[                 14
140TH ANNIVERSARY COMMUNITY CELEBRATION
          ]]></page><page Index="17" isMAC="true"><![CDATA[                140TH ANNIVERSARY COMMUNITY CELEBRATION
15
           ]]></page><page Index="18" isMAC="true"><![CDATA[                                   16 MILESTONES
  JIMMY DRAKEFORD
Vice President, Loan Officer Farmers National Bank Promotion Date: September 2019
ROBERT BAUGHMAN
Vice President, Mercer County Market Manager Farmers National Bank
Hire Date: October 2019
       CAMERON FREEMAN
Vice President, Commercial Relationship Manager
WealthSouth
Hire Date: November 2019
JOANNA FUTRELL
Vice President, Commercial Relationship Manager
WealthSouth
Hire Date: September 2019
KATHY MILBY
10 Years of Service WealthSouth Retired: November 15, 2019
   ]]></page><page Index="19" isMAC="true"><![CDATA[                2019 EMPLOYEE YEARS OF SERVICE AWARDS
5 YEARS OF SERVICE
Katy Bramel Tina Culp Barbara Kasak Amber Ruhe Judy Walker
10 YEARS OF SERVICE
Scott Dickison Kathy Milby Brian Reynolds
15 YEARS OF SERVICE
Dean Holman Jeff Joiner Mary Richey Brandi Todd Kasey Wilson
20 YEARS OF SERVICE
Marty Gibson Tanya Reynolds
35 YEARS OF SERVICE
Lisa Bottom
40 YEARS OF SERVICE
Yvonne Gooch
17
             ]]></page><page Index="20" isMAC="true"><![CDATA[                   18 OFFICERS
Harrodsburg Banking Center
Robert Baughman
Vice President, Mercer County Market Manager
Jimmy Drakeford
Vice President, Loan Officer
Anne Curry
Assistant Vice President, Retail Branch Manager
Staton Nesbitt
Assistant Vice President, Commercial Loan Officer
Junction City
Amber Winchester
Assistant Vice President, Junction City Branch Manager
Lancaster Banking Center
Chris Davis
Assistant Vice President, Garrard County Market Manager
Belinda Lance
Assistant Vice President, Retail Branch Manager
Perryville Banking Center
Lisa Bottom
Vice President,
Perryville Market Manager
Lana Carpenter
Assistant Vice President, Retail Branch 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
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
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
Matthew Joefreda
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
Brandon Neal
Vice President,
Wealth Management Advisor
Sam Pollom, J.D.
Vice President, Director of Operations and Compliance
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
Katy Neyhouse, CTFA, NSSA
Assistant Vice President, Trust Officer
Cassie Scott
Assistant Vice President, Trust Operations Manager
Greg W. Caudill
Chief Executive Officer
J. Martin Gibson
President
Rusty Clark
Executive Vice President, WealthSouth Western Kentucky Regional President
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
Senior Vice President, Director of Internal Audit
Traci Hatfield
Senior Vice President, Head of Retail Banking
Adam Hopkins
Senior Vice President, Chief Security Officer
Brandon Meek
Senior Vice President, Chief Information Officer
Katie Baird
Vice President, Controller
Mike Bastin
Vice President, Loan Officer
Linda Dunn
Vice President,
Loan Operations Manager
Sharon K. Howell, CFMP
Vice President, Director of Marketing
Jesse Johnson
Vice President, Commercial Loan Officer
Chris Sparrow
Vice President,
Chief Financial Officer
Brant Welch
Vice President, Customer Experience Manager
Jennifer Cochran, CAMS
Assistant Vice President, BSA Officer
Scott Dickison
Assistant Vice President, Credit Analyst
Kim Elliott
Assistant Vice President, Mortgage Lender
Angela Frisby
Assistant Vice President, Loan Officer
Carla Higginbotham
Assistant Vice President, Human Resources Generalist
Jeremy Leigh
Assistant Vice President, Technology Manager
Steve Littlefield
Assistant Vice President, Asset Resolution Manager
Ronda Nolan
Assistant Vice President, Internal Auditor
Christa Owen, CRCM
Assistant Vice President, Compliance Officer
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, Records Manager
East Main
Patti Chidester
Assistant Vice President, East Main Branch Manager
Garland Drive
Talisa Lay
Assistant Vice President, Garland Drive Branch Manager
          ]]></page><page Index="21" isMAC="true"><![CDATA[                   JOHN C. ALBRIGHT
Caldwell Stone Company
Beto & Bogardus, PLLC
LOUIS M. BETO, DMD
BOARD OF DIRECTORS
Central Seal Company
President
Sheehan, Barnett, Dean Pennington, Dexter & Tucker, PSC
19
    ROBERT I. CALDWELL
      GREG W. CAUDILL
Chief Executive Officer
Businessman
LOGAN H. GERMANN
J. MARTIN GIBSON
      HUGH GATES HINES, III
Businessman & Farmer
Little Oil Company
J. DOUGLAS LITTLE
HENRY VINCENT PENNINGTON, III
      PATTI POWELL
Stuart Powell Ford-Lincoln-Mazda
Kerbaugh, Rodes & Butler, PLLC
Retired Banker
JOHN B. RODES, CPA
JEFFERY J. THORNTON
]]></page><page Index="22" isMAC="true"><![CDATA[                   20
COMMUNITY BOARDS
  Scott Bottoms
BOYLE COUNTY COMMUNITY BOARD
Morton M. Hoagland
Retired Banker
Daniel McKay
Ephraim McDowell Health, CEO
Mark Morgan
Attorney
President, Danville Office Equipment
Mary Ann Wilder Brown
Funeral Director
Jerry M. Germann
Farmer & Businessman
Tom Poland
Businessman & Retired Banker
Nelson D. Rodes, Jr.
Retired Attorney & Banker
Mark Ward
Optometrist
Tommy Noe
Garrard County Farm Bureau
Darren Taul, DVM
Veterinarian
Bill Payne
Farmer
George O. (Sonny) Spoonamore
Lincoln County Court Clerk
GARRARD COUNTY COMMUNITY BOARD
Jason Gaffney
DocuBit
Jason Hensley
Businessman
Billy V. Lanham
Retired Banker
  Deonica Asbery
Realtor
Matthew Barsotti
Retired Businessman
Mary Adrianne Davis
Garrard County Schools
  Samuel T. Adams
Farmer
Sonja Bratcher
Kentucky Farm Bureau, Agent
David Campbell
Farmer
Daryl K. Day
Lincoln County Attorney
LINCOLN COUNTY COMMUNITY BOARD
James Mack Dunn
Businessman
H. Richard Faulkner
Retired Businessman
Sheree H. Gilliam
Inter-County Energy
Ina Glass
Vice President of Outpatient Care & Administration
  MERCER COUNTY COMMUNITY BOARD
LeMayne Ellis, DVM
Veterinarian
Jeffery Klosterman, OD
Optometrist
Margaret Meredith
CPA
Eugene Robinson
Retired Banker
Larry Royalty
  David Baker
Farmer
Susan Thompson Barrington
Retired State Park Superintendent
Don Carney
Retired Banker
Dale Cinnamon
Retired Banker
Samuel Dixon Dedman
David Taylor
Attorney
John Trisler
Retired IBM Official & County Judge Executive
Co-owner of Beaumont Inn
Retired Banker
]]></page><page Index="23" isMAC="true"><![CDATA[ THE
FIRST 140 YEARS
THE FIRST 140 YEARS • FARMERS NATIONAL BANK
Copies of publication The First 140 Years – Farmers National Bank have been donated to public libraries in Danville, Harrodsburg, Lancaster and Stanford, Kentucky. (Copies can be found in the Kentucky History section of those libraries).
Formal presentations made and copies donated to the Kentucky Historical Society in Frankfort (Martin F. Schmidt Research Library – Call Number - General Stacks976.902 B792ho) and the Kentucky Department for Libraries and Archives
(Call Number - K 332.109769 Howe).
The Library of Congress, Washington, DC is recording publication to their archives. (Copy will be on display in Jefferson or Adams Building Reading Rooms).
1/8/19 8:06 PM
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