FARM-9612 5.5 8.5 135th Anniversary Booklet.indd

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FARM-9612 5.5 8.5 135th Anniversary Booklet.indd
FARM-9612 5.5 8.5 135th Anniversary Booklet.indd 1
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History of Farmers National Bank
Farmers National Bank has a long, deeprooted history as a financial institution.
Since February 10, 1879, the bank has served
customers in ways that have earned their
trust and loyalty. It is the bank’s tradition to
“build relationships” with its customers as
they achieve their financial goals.
Banking services and products include
a wide array of choices. These include
the traditional products of checking and
savings accounts; personal and business
loans; certificates of deposits and IRAs;
internet banking; and mobile banking.
Farmers National Bank has had a Trust
Division since 1909. WealthSouth offers
investment management services; trusts;
estates; retirement; 401(k)s; ESOPs and
private banking. Since 2001, Farmers
National Bank has been offering brokerage
and insurance services through FNB
Investment Services and FNB Insurance
Services.
The bank’s management team and
employees are community focused.
The bank’s CRA Ratings for the past six
examinations have either been rated
satisfactory or outstanding. ** During
the past year, Farmers National Bank
and its employees participated and
donated time, talents and money to 261
organizations, charities and civic groups.
The bank currently has 11 banking locations
within Boyle, Garrard, Lincoln and Mercer
Counties of Kentucky. The bank’s tagline
is “A Tradition Built on Relationships.”
Farmers National Bank has had the same
name since 1879 and maintains a seasoned
management of staff members who reside
within Anderson, Boyle, Fayette, Garrard,
Lincoln, Marion, Mercer, Pulaski and Warren
counties within the state of Kentucky.
Farmers National Bank is the 11th oldest
established bank within Kentucky out of
185 Banks*; the 30th Largest Bank in Asset
Size within Kentucky out of 185 Banks* and
the 29th Largest Bank in Total Deposits
within Kentucky out of 185 Banks*.
Financial decisions are made locally by
directors and employees who live in these
counties allowing for independence, a
continued strong and long history of
financial strength and financial stability for
all of its communities while also assisting
with keeping the local communities’
economies strong and vibrant.
Farmers National Bank wants to be more
than just your bank. We want to help
you with all of your financial needs and
establish a lasting personal relationship.
Stop by one of our 11 locations, visit us
thru the web at fnbky.com or call us and
discover how you may become a part of
our “Tradition Built on Relationships.”
*Source: www.fdic.gov (September 2013), Federal Deposit Insurance Corporation
**Source: www.ffiec.gov (September 2013), Federal Financial Institutions Examination Council
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1879
1879
Farmers National Bank opened in
Danville, Kentucky with J. G. Cecil,
serving as President and G. W.
Welsh, Jr., cashier. The first board of
directors consisted of J. G. Cecil, C.
P. Cecil, G. W. Welsh, A. R. McKee, J.
C. Caldwell, D. W. Jones, C. H. Rodes,
Thomas McRoberts, J. K. Sumerall,
Jr., J. W. Weatherfad and Nelson
Wingate.
1883
Total assets of Farmers National
Bank are $335,000.
1900
Farmers National Bank assets are
listed at $551,648 and capital is
$135,534.
(Note: Farmers National Bank may be
traced back in an unbroken history to
the Branch Bank of Danville established
in 1815. The Deposit Bank of Danville
was incorporated March 20, 1851, listing
capital at $50,000. The Deposit Bank
changed its name to “Central Bank of
Kentucky” in 1854, (increasing its stock
to $100,000). Through reorganization in
1865 it became the Central National Bank,
again reorganized in 1885 as the Boyle
National Bank and in 1909 as the Boyle
State Bank and Trust Company.
1909
As trusts and investment banking
expanded throughout the country,
the Boyle National Bank was
reorganized as the Boyle State
Bank and Trust Company, with I. T.
Lanier, as its president. The Farmers
National Bank very soon also
organized as a subsidiary concern
of the bank, a trust division. This
new sort of organization enabled
bankers to invest depositors’ money
in speculative activities.
1920
Boyle State Bank invested $50,000
in a new bank building.
1930
Despite the depression years,
Farmers National Bank and Boyle
State Bank were able to pay semiannual dividends as high as seven
percent all through the 1930s.
1937
Farmers National Bank builds new
bank building at a cost of $100,000.
1937
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1943
1943
Boyle State Bank and Trust is
acquired by Farmers National Bank.
1950
1959
Farmers National Bank’s building is
enlarged and remodeled, at a cost
of $100,000.
Farmers National Bank provides
Danvillians with their first drive-in
banking facility located on Walnut
Street (Walnut Street Branch).
Cost of new addition is $75,000.
Officers are: M. C. Minor, President;
H. L. Guthrie, Vice President and
Trust Officer; and Maurice E.
Wilson, cashier. The directors of
the bank are: J. Clemens Caldwell,
W. P. Caldwell, Joe G. Davis, C. E.
Edmiston, H. L. Guthrie, S. A. Hill, J.
W. Irvine, Pierce Lively, M. C. Minor,
J. Lee Murphy, Lewis N. Neale, Jr., J.
B. Nichols, Jr., J. H. Robinson, English
Sullivan and D. K. Albright.
1965
Farmers National Bank’s assets are
$8,000,000.
1967
Robert L. Shoulty is employed
as eighth President of Farmers
National Bank. Mr. Shoulty was the
bank’s President from 1967 until
1979. Under his leadership, the
bank grew from $11 million in assets
to $39 million. (Special Note: He passed
away in August 2005, after management
and bank employees celebrated his 100th
birthday in April of 2005.)
1978
1979
Main office renovation of Farmers
National Bank is completed at 304
West Main Street. An automated
24-hour teller machine is installed
at the main office of the bank.
Assets are listed at $37,169,000;
capital $2,575,000 and book value
of bank stock is $128.75. The bank
has 46 full-time employees.
Farmers National Bank assets are
$39,131,000 and total capital or
shareholders’ equity is listed at
$3,007,000. On February 10, 1979, the
bank celebrates 100th anniversary.
Approximately 300 friends and
customers attend day-long open
house.
1979
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1980
1980
1981
Nelson D. Rodes, Jr. is employed on
January 1, 1980, as the bank’s ninth
President. The bank purchases an
adjoining parcel of real estate to
allow for improved traffic access at
Walnut Street Branch. Total Assets
are listed at $45,920,000 and capital
is listed at $3,329,000.
Expansion and remodeling of Walnut
Street Branch is completed. An
additional drive-in lane, new roof
and glass-enclosed front are added.
New curving, attractive landscaping
and a time/temperature sign for the
community is added.
To provide for future space for the bank’s
bookkeeping and proof departments,
the bank purchased the building located
on West Main Street, adjoining the main
banking office, on its west margin. Front
of newly purchased building is rented
as a retail store and bank will complete
remodeling the rear of building for
bookkeeping and proof departments.
1983
At a special meeting of shareholders
on April 26, stockholders voted for
the merger of Farmers National
Bank with a newly formed
subsidiary, Boyle Bancorp, Inc. (a
holding company). As a result of
this merger, shareholders of the
bank received for their bank shares
an equal number of shares of Boyle
Bancorp, Inc. stock.
New products introduced for the first
time included interest-bearing checking
accounts (NOW accounts), retail
repurchase agreements (REPOs), and
tax-free certificate of deposits (All Savers
Certificates). Also, bank is aggressively
marketing new IRA accounts for which
all persons with earned income are
eligible beginning January 1, 1982.
1984
Farmers National Bank and Boyle
Bancorp list assets at $76,686,000
and capital at $5,968,000.
Assets are listed at $54,427,000 and total
capital is listed at $3,770,000.
1985
1986
Farmers National Bank completes
enlargement of Danville Square
Branch, providing two additional
teller lanes as well as a canopy
covering the auto transaction area.
Total assets of bank $86,936,000.
Farmers National Bank opens new fullservice branch facility (Perryville Branch)
in the Perryville community of Boyle
County, on December 15, 1986. Total
assets of bank are listed at $101,268,000.
1986
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1988
1988
1989
For the first time in the history of
Farmers National Bank, the capital
of the bank exceeded $10,000,000,
ending the year at $10,489,000.
Also, during the year, the bank’s
holding company repurchased from
shareholders 470 shares of capital
stock at a price of $300 per share.
These repurchases were pursuant
to a policy of the holding company
Board of Directors to provide a
market for the corporation’s stock in
excess of book value and to acquire
treasury stock for any future needed
corporate purposes.
Farmers National Bank celebrates its
110th Anniversary on February 10,
1989, with an open house for bank
customers. In the management report
letter to the stockholders, the growth
of Farmers National Bank is listed for
the past decade, as follows: Total
assets increased from $39,131,000 to
$116,315,000, an increase of 197.24
percent. The capital account of the
corporation increased from $3,017,000
to $11,784,000, an increase of 290.59
percent. Net income increased from
$329,000 to $1,731,000, an increase of
426.14 percent and dividends paid to
shareholders increased from $2.00 to
$10.00 per share, an increase of 400%.
The book value of the corporation’s
capital stock increased from $75.43 to
$300.08 per share.
1990
Farmers National Bank acquires
Citizens Bank and Trust Company of
Burgin, Kentucky, as a second banking
subsidiary, on November 30, 1990.
This was a cash transaction for the
sum of $2,438,262. The book value
of the stock acquired was $2,116,497.
With this latest acquisition, Farmers
National Bank becomes a multi bank
holding company. Citizens Bank and
Trust Company will be called the
Burgin Branch of Farmers National
Bank. Also, during this same month,
a new full service banking facility was
opened on South Fourth Street, and
will be known as the South Danville
Branch of Farmers National Bank. An
open house was held on December
2, 1990, and was enthusiastically
attended by more than 700 guests of
the bank. Also, remodeling started
1990 cont...
on the building located at 308 West
Main Street that will connect to the
main bank to provide much needed
additional space for banking facilities
downtown. The front of the building is
restored to the Victorian architectural
style in keeping with the downtown
restoration efforts encouraged by the
Heart of Danville organization and
the Kentucky Heritage Commission.
At year-end total assets were
$140,663,000 and net income was
$1,853,000.
Dividends paid to
shareholders were listed at $12.00
per share. Book value of bank stock
is listed at $335.33.
1990
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1993
1993
1994
Assets are listed at $172,089. Book
value of stock is listed at $488.39.
Farmers National Bank receives
regulatory approval to construct
a new full service facility at the
intersection of U.S. Highway 127
and Legion Drive in Harrodsburg.
This branch will be called the
Harrodsburg Branch. In order to
expand the bank’s main office in
Danville, bank officials purchased
the former Masonic Lodge building
which adjoins the main office of
the bank on South Third Street.
After consultations with the Heart
of Danville Association and the
Kentucky Heritage Commission,
the bank’s project manager and
architect, the decision was made
to completely restore the existing
structure and convert to banking
use. The bank will move all lending
function and Trust Department into
the new expansion.
1995
July 1, 1995, Louis Prichard assumes
the office of President and Chief
Executive Officer of Farmers National
Bank. Mr. Prichard becomes the 10th
President in the history of the bank.
The bank opens the new full service
banking facility in Harrodsburg,
(Harrodsburg Branch) in September
1995. Assets of the bank are listed at
$192,154,000.
1996
At the bank’s annual meeting in
April, 150 stockholders of Farmers
National Bank attend a luncheon and
tour the expansion and renovation
of the main banking facility. Work is
underway to add an additional driveup lane and automatic teller machine
at the Greenleaf Shopping Center
office (Greenleaf Branch). With the
completion of this project, Farmers
National Bank now has four fullservice branch offices, two each in
Boyle and Mercer Counties, and three
additional drive-up offices in Boyle
County to complement the main
office location in Danville. Total assets
of bank are listed at $203,441,000.
Assets are listed as $186,453,000.
Bank reports 25 for 1 stock split.
1996
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1997
1997
1997 cont...
Freedom account (packaged checking
accounts).
In the trust division,
Cornerstone Investment Management
Account and PrimeVest are introduced.
Nelson D. Rodes, Jr., Chairman of
Board and employed by Farmers
National Bank since 1980, retires
on June 30, 1997. (Special Note: In the
Renovations are completed at
Greenleaf Branch, South Danville
Branch and Danville Square Branch.
New ATMs are added at Perryville
Branch, Greenleaf Branch and Burgin
Branch.
1997 Letter to Stockholders the following
excerpt was taken: “Our asset and earnings
growth over the past seventeen years reflects
Nelson‘s able leadership. The banking
industry as a whole encountered a great
deal of change over those years, and thanks
to Nelson’s outstanding abilities we have
dealt with those changes successfully. Your
company is a strong, secure independent
bank, and it enjoys a fine reputation not
only in our market area, but throughout
the state. Much of this is due to Nelson’s
leadership for which we are extremely
appreciative.”) During 1997, the bank
1998
Farmers National Bank completes
remodeling work at Danville Square
Branch and Walnut Street Branch.
Assets are listed over $222,000,000.
reached record highs in both assets
and net income.
Additionally,
the book value per share and the
dividends paid to shareholders
reached new highs. At year end, total
assets were $218,581,000, net income
was $3,620,000. Shareholder’s equity
increased to $27,370,000. The book
value of bank stock is listed at $27.71.
Farmers National Bank received
regulatory approval from the Office
of the Comptroller of the Currency to
open a new branch at Daniel Drive
and Southtown Drive, off the Danville
By-Pass. This new branch will be called
the Southtown Express and will be a
seven-lane drive-up facility.
Robert H. Webb, Senior Vice President &
Chief Operating Officer retires on August
31, 1997. Mr. Webb had been employed
with the bank since 1957.
In a press release, Louis Prichard,
President and CEO of the bank, stated,
“The Southtown Express facility is
being built to accommodate more
easily those customers who wish to
perform quick transactions such as
cashing a check, or making a deposit.
Additionally, we believe this will offer
relief to those people who use our
South Danville Office on Hustonville
Road and find it difficult to deal with
the heavy traffic issues at that site.”
New products introduced included:
Business Manager Program, Internet
Marketing on the World Wide Web, Fixed
and Adjusted Rate Mortgages, Credit Life
Insurance and FNB “CheckCard” (debit/
ATM card). Automated clearinghouse
and electronic operations are growing
significantly at the bank. The bank
introduces a Foundation Account and a
1998
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1999
1999
2000
Southtown Express opens at 224
Southtown Drive, on January
26 while the entire banking
organization celebrates the bank’s
120th Anniversary on February 10.
Approximately 150 women from
Boyle, Garrard, Lincoln and Mercer
counties attend the 4th Annual
“Women’s Day” entitled “MoneySmart Women” in the bank’s ballroom
downtown. Farmers National Bank
and its employees commit to the
America’s Promise Campaign formed
by General Colin Powell, to assist the
country in pointing a child in the
right direction. New and updated
“Express” banking signs are added
at Walnut Street Express, Greenleaf
Express and Danville Square Express
to reflect “Express Banking”. The
bank’s management and staff gear
up with training and plans for the
Year 2000 date change. Bank assets
at year-end are listed at $249,009,000.
While the news media was full of
reports that the national economy
is definitely slowing down with
a chance of a recession, the
management of Farmers National
Bank moved forward to implement
the bank’s strategic plans for
the future. In May of 2000, the
Junction City Express opened
at 101 Shelby Junction Lane.
Technology continued to become
very important to the bank, its
staff and customers and Internet
Banking was introduced in midyear. At year-end 2000, Farmers
National Bank had banking locations
in Boyle and Mercer counties with
customers
accessing
banking
services at any of 14 ATM machines
within the two counties. Telebanc
(a telephone banking service) was
another successful choice customers
selected in order to have 24-hour-aday, 7 days-a-week communications
with their bank. Total assets were
posted at $256,562,000, net income
was $4,158,000 and stockholder’s
equity was listed at $33,315,000.
2001
Two major factors contributed to
a highly unusual year. First, the
devastating events of September 11,
2001 had a life changing impact on
the entire country. Those events will
change how we view our personal
lives, our business lives and most
assuredly how we view our country’s
place relative to the rest of the
world. In addition, the recession
that existed during that year had a
significant influence on the banking
2001
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2001
2002 cont...
facility will be called East Main Express.
During this year, it was also determined
that the Walnut Street Branch, the
oldest branch, was not large enough to
continue to satisfy the sizable number of
customers who rely on it. This location
was torn down and the space was
designated as much needed customer
and employee parking for the bank.
Additionally, it was determined that the
South Danville Express was being over
utilized as a transactional facility and
under utilized as a full service location.
Therefore plans were developed to build
the new downtown branch of suitable
size to accommodate a larger number of
customers. The new East Main Express
opened for business on October 28,
2002. In a very short period of time, it
became one of the busiest branches.
2001 cont...
world as well.
The downturn,
which began in early 2001, and the
unprecedented, 11 Federal Reserve
cuts in short term rates made 2001 truly
a difficult year for most community
banks. The drop in Federal Funds rate
from 6.5 percent to 1.75 percent and the
simultaneous 4.50 percent drop in the
Prime Rate caught most off guard.
In May of 2001, in keeping with the bank’s
long-range strategic plan to create a full
service investment brokerage operation,
FNB Financial Services opened on Main
Street, next door to the bank. At the
end of that year, FNB Financial Services
employed three full time employees.
During the year of 2001, Boyle Bancorp,
Inc. reached a record high in assets,
equity, net income and dividends paid.
At the close of business on December
31, 2001, the bank listed assets at
$307,252,000. Much of this increase
came in the new area of investments.
Net income increased from $4,158,000
to $4,209,000, a 1.22% increase, while
stockholder’s equity increased from
3.93% from $33,315,000 to $34,626,000.
The stock’s book value was $36.84 per
share at year-end, an increase of 6.59%.
The dividend paid increased from $1.80
to $2.20, an increase of 22 percent.
Also, in early 2002, property was
purchased in Lincoln County for a full
service banking facility at 131 Cane
Run Road. This facility will be called the
Stanford Banking Center. Bank plans
called for this Lincoln County location
to become operational during the first
quarter of 2003.
Louis Prichard, who served the bank
ably as loan officer, Executive Vice
President and as President since 1995,
decided to return to his hometown of
Paris, Kentucky. Upon Mr. Prichard’s
resignation, the Board of Directors
named outside director (Jerry Germann)
as Chairman of the Board. Additionally,
Greg Caudill, an employee since 1981
and Senior Lending Officer since 1995,
was named the institution’s eleventh
President.
2002
Bank management purchases property
at 211 East Main, in Danville, for the
purpose of building a new banking
facility downtown. This new banking
2002
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2003
2003
2004
On January 20, 2003, grand opening was
held at the Stanford Banking Center on
131 Cane Run Road. Farmers National
Bank had 10 financial locations within
Boyle, Mercer and Lincoln counties.
During 2003, the bank achieved assets
of $327,794,000, loans were listed at
$203,405,000 and stockholder’s equity
of $37,781,000.
Farmers National Bank celebrates its
125th Anniversary, as a locally owned
financial institution. In the letter to
shareholders, President Caudill writes
“For a century and a quarter your
bank has been a leading provider
of financial services in this area. The
management team is dedicated
to making sure that this tradition
continues for many years to come.
Accordingly, the theme for the annual
report was “Continuing the Tradition.”
During the year FNB Financial
Services (the bank’s full service
brokerage service which started out
in 2001 offering stocks, bonds, mutual
funds, annuities and some insurance
products) changed its name to
Farmers Financial Management
Group.
2005
The main office of the bank
completed renovations to house
additional space needs for the
Farmers Financial Management
Group staff and lending staff
within the loan department. Total
assets at year end were listed at
$372,742,000 and bank’s capital
exceeded $39,950,000.
Total assets at the end of the year
were a record $340,000,000 and the
bank’s capital exceeded $38,000,000.
2006
2006 cont...
enough to handle customers wanting
traditional banking services (loans and
deposits) as well as those who have need
of non-traditional banking products
(trust, brokerage and insurance). Land
was purchased in Garrard County for
construction of a banking facility in
Lancaster. This facility will be called the
Lancaster Banking Center.
Farmers National Bank achieved
record high numbers in total
assets ($398 million), net income
($6.1 million), earnings per share
($5.50 per share), and dividends
paid to shareholders ($2.90 per
share). Construction began on new
expanded Harrodsburg Banking
Center. This new facility will be large
2006
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2007
2007
2008
Harrodsburg Banking Center opens
on May 10, with a ribbon cutting
ceremony attended by many people
within the community on June 1st.
Groundbreaking ceremony was held
on May 30th for the new Lancaster
Banking Center scheduled to open
in early 2008. Greg Caudill, President
and CEO, writes to the shareholders in
the 2007 Annual Report, “As we look
forward to 2008 we have much for
which to be thankful. We are thankful
for our strong capital position, the
continued growth in our asset base and
our presence in an area with a relatively
stable economy.” At year end 2007,
bank reported assets at $440,150,000,
net loans listed at $320,823,000 and
deposits were listed at $320,565,000.
On February 19, 2008, the bank opened
Lancaster Banking Center near Pleasant
Retreat Shopping Center, in Lancaster.
This full service facility is similar in
both size and style to the Harrodsburg
Banking Center. The facility offered
loan and deposit products as well as
brokerage and other financial services.
In Harrodsburg, Colton Drive Express
opened on April 21. This facility is
located near many of the industrial
employers and in close proximity to
the new Mercer County High School
campus. With these two new openings
in 2008, Farmers National Bank offered
banking locations in four counties
through which customers can be
served. Also, during the year, Farmers
Financial Management Group (the
bank’s full service brokerage service
which started out in 2001 offering
stocks, bonds, mutual funds, annuities
and some insurance products) changed
its name to the FNB Financial Group.
2009
2009 cont...
area. It is management’s belief that
Farmers National Bank is a reflection of
the economic well being of our trade
area. As the largest community bank
in the market, when our friends and
neighbors grow and prosper we grow
and prosper as well. When local people
are financially challenged it is difficult for
us not to feel their pain. As the “Great
Recession” tightens its grip on our local
economy we have had to significantly
increase our Allowance for Loan and
On February 10, 2009, Boyle Bancorp,
Inc. celebrated the 130th anniversary of
its charter.
In a letter to stockholders written by
President Greg Caudill, he wrote, “Over
the course of the 130 years, the company
has endured wars, a depression and
several recessions while consistently
maintaining its reputation as the
preeminent financial institution in the
2009
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2009
2012
2009 cont...
Lease Losses. We more than doubled
the size of this reserve during the last half
of 2009. This is the main reason that we
are showing a slight net loss for the year.
Another reason is the six-fold increase in
our FDIC assessment which went from
$127,000 in 2008 to $812,000 in 2009.
Absent these two negative components
impacting our operating statement, we
would have had a very respectable year.
At year-end 2012, bank assets were
listed at $477,227,000, net loans
listed were $269,692,000, deposits
were $407,295,000 and stockholder’s
equity reflected $52,537,000. Net
income was $3,659,000.
At year-end 2009, bank assets were
listed at $488,155,000, net loans listed
were $330,045,000, deposits were
$365,588,000 and stockholder’s equity
reflected $44,788,000.
2012
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HISTORY OF BANK PRESIDENTS
James G. Cecil
1879–1881
Thomas McRoberts
1881–1883
Jere C. Caldwell
1883–1919
George A. McRoberts
1920–1923
J.C. Caldwell
1923–1936
J.F. Robinson
1936–1937
M. Carlisle Minor
1937–1969
R.L. Shoulty
1970–1979
Nelson D. Rodes, Jr.
1980–1995
Louis Prichard
1995–2002
Greg Caudill
2002–Present
(As of December 31, 2013)
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HISTORY OF BANK DIRECTORS
Greg Caudill
1996–To Present Date
D. K. Albright
1965–1995
*
*
John Albright
1997–To Present Date
C. P. Cecil
1879–1924
C. R. Anderson
1888–1920
James G. Cecil
1879–1882
W. C. Anderson
1920–1954
J. Rice Cowan
1901–1954
William H. Balden
1971–1992
James A. Curry
1880–1883
Louis J. Beto
1976–1993
Joe G. Davis
1959–1981
*
Louis M. Beto, DMD
2005–To Present Date
*Helen Dedman
2001–To Present Date
Charles W. Caldwell
1937–1952
G. W. Dugan
1894–1907
F. Fox Caldwell
1919–1932 & 1936–1946
C. E. Edmiston
1950–1980
J. C. Caldwell
1879–1922
*Harry Richard (Dick) Faulkner
2003–To Present Date
J. C. Caldwell, Jr.
1922–1936
J. N. Frankel
1969–1976
J. Clemens Caldwell
1963–1989
Julian Gentry
1943–1957
Logan Caldwell
1934–1962
* Jerry M. Germann
1976–To Present Date
*
Robert Caldwell
1989–To Present Date
Henry Guthrie
1947–1977
W. P. Caldwell
1943–1970
S. A. Hill
1943–1966
* Active Director of Bank, as of December 31, 2013
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HISTORY OF BANK DIRECTORS
*Hugh Gates Hines, III
2004–To Present Date
Carlisle Minor
1919–1974
Joe Horky
1980–1981
Sam A. Moore
1883–1899
Harold Horn
1981–1996
J. Lee Murphy
1924–1968
Robert Hundley
1942–1958
Joe McDowell
1936–1942
J. W. Irvine
1943–1965
A. R. McKee
1879–1881
Chris S. Jackson, Jr.
1993–2005
George McRoberts
1902–1949
Hughes Jackson, Jr.
1973–1984
Thomas McRoberts
1879–1905
D. W. Jones
1879–1885
L. N. Neale
1925–1944
James Kinnaird
1881–1883
L. N. Neale, Jr.
1943–1980
J. R. Knox
1907–1945
John B. Nichols, Jr.
1954–1972
E. W. Lee
1885–1888
John B. Nichols, III
1976–2000
* J. Douglas Little
1993–To Present Date
Elizabeth G. Nickels
1987–2006
Pierce Lively
1959–1973
W. H. Parks
1882–1922
A. B. Massey
1920–1933
*Henry Vincent Pennington, III
2005–To Present Date
D. C. May
1893–1894
B. F. Phillips
1885–1900
* Active Director of Bank, as of December 31, 2013
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HISTORY OF BANK DIRECTORS
Louis Prichard
1992–2002
English Sullivan
1954–1976
*William R. Rankin, MD
2005–To Present Date
J. K. Sumerall
1879–1884
Hart Rapier
1950–1971
James D. Thompson
1979–2004
J. A. Robinson
1904–1934
Robert D. Thompson
1991–1998
J. F. Robinson
1922–1940
*Jeffrey J. Thornton
1980–1992 & 1998–To Present Date
J. H. Robinson
1930–1969
J. W. Weatherford
1879–1884
John C. Robinson
1934–1947
G. W. Welch
1879–1893 & 1899–1924
Charles H. Rodes
1879–1924
M. G. Weisiger
1909–1934
*John B. Rodes, CPA
2004–To Present Date
Maurice E. Wilson
1976–1993
Nelson D. Rodes
1919–1950
Nelson Wingate
1879–1880
Nelson D. Rodes, Jr.
1969–2004
Guy E. Wiseman
1899–1932
George W. Rue
1927–1930
G. B. Woodcock
1883–1902
M. P. Sallee
1884–1891
W. W. Yeagen
1884–1885
R. L. Shoulty
1967–1980
John W. Yerkes
1899–1909
* Active Director of Bank, as of December 31, 2013
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