Author: Chelsea Culp

FNB’s Recent Officer Promotions

Written by Chelsea Culp on August 18, 2020. Posted in Headlines.

FNB Bank is pleased to announce the recent promotion of officers at the Annual Meeting of the Board. During the meeting, the Board of Directors promoted Jessica Tucker and Denina Robertson to Vice President and Tyler Goodman to Assistant Vice President.

Jessica Tucker has over 10 years of banking experience and currently serves as Controller for FNB. Jessica is a graduate of Murray State University with a bachelor’s degree in Business and a Master of Professional Accountancy. She currently serves as the Treasurer for the Mayfield Schools Booster Club. Jessica resides in Mayfield with her husband Jeffrey, and their sons, Dylan, Brendan, and Callan.

Denina Robertson, from Mayfield, KY, has over 38 years of banking experience and currently serves as the Office Manager for FNB’s Mayfield Main Office as well as the bank Training Officer. Denina attended Paducah Community College and previously served as a Chamber Ambassador. She has also served on the Board of Directors for JU Kevil and Purchase Players. Denina is a member of Trace Creek Baptist Church where she is active in the children’s ministry and works on the directing team for “The Promise”.

Tyler Goodman currently serves as a Business Banking Officer for FNB’s Mayfield-Graves County Market. Goodman is a 2002 graduate of Graves County High School and a 2006 graduate of the University of Kentucky where he earned a bachelor’s degree in Political Science. He serves as a board member for the Mayfield-Graves County Senior Center, Mayfield-Graves County Tourism and the Mayfield-Graves County Airport. Tyler is the current Mayfield Rotary Club President and recently began serving his second term as a Graves County Commissioner. He resides in Mayfield with his wife, Alex.

FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky and ranks among the highest in the nation in the area of safety and soundness. The bank currently has nine locations: Mayfield Main, Mayfield Southside, Wingo, Lone Oak, Midtown Paducah, Murray North, Murray South, Cadiz Main, and Cadiz West. FNB is member FDIC and an Equal Housing Lender.

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FNB Donates Over $18,200 to Local Schools through Spirit Debit Card Reward Program

FNB Donates Over $18,200 Back to Local Schools through Debit Card Reward Program

Written by Chelsea Culp on August 12, 2020. Posted in Headlines.

August 12, 2020 (Mayfield, KY) FNB Bank is proud to announce that they have donated over $18,200 back to Mayfield, Graves County and Trigg County Schools through their Spirit Debit Card Program. These donations to the school systems are a result of FNB’s 2nd quarter 2020 Spirit Debit Card Reward Program.

“We are proud to offer our exclusive FNB Spirit Debit Card every year, but especially during a pandemic year,” stated Brooke Wiles, FNB Marketing Director. “Our local schools are facing challenging times and our hope is that the donated funds from our Spirit Debit Card Program will assist with funding new opportunities that benefit the students and staff.”

The FNB Spirit Debit Card Rewards Program allows FNB and their customers the opportunity to give back to their local schools when they use their FNB debit card. FNB currently offers Spirit Debit Cards for Mayfield, Graves County and Trigg County Schools. The Spirit Card works like a traditional debit card and for each signature-based transaction (not using your PIN), FNB donates $0.10 to the corresponding school. The tracking process is hassle free for the card holder, as FNB does all the tracking and submits the check to each school on a quarterly basis. The donated funds are utilized at the school’s discretion.

In 2019, FNB donated over $77,000 to their participating schools through the Spirit Debit Card Program. To learn more about the Spirit Debit Card Program, stop by your nearest FNB Office or visit www.GrowWithFNB.com.

FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky and ranks among the highest in the nation in the area of safety and soundness. The bank currently has nine locations: Mayfield Main, Mayfield Southside, Wingo, Lone Oak, Paducah Midtown, Murray North, Murray South, Cadiz Main, and Cadiz West. FNB is member FDIC and an Equal Housing Lender.

FNB Receives Another "Outstanding" Community Reinvestment Act Rating

FNB Bank Receives Another “Outstanding” Community Reinvestment Act Rating

Written by Chelsea Culp on July 27, 2020. Posted in Headlines.

FNB Bank has been awarded an “Outstanding” rating, the highest rating possible, from the Federal Deposit Insurance Corporation (FDIC) for its commitment to the Community Reinvestment Act (CRA). The FDIC recently conducted their examination process, which covered the period from April 2017 to April 2020, and evaluated the bank’s lending and community development services based on the bank’s service area. By awarding this rating, the FDIC acknowledged that FNB is continuing to meet the needs of the communities they serve and operate in, including low- and moderate-income neighborhoods and are consistent with safe and sound banking operations.

“We are honored to receive the Outstanding CRA rating again from the FDIC. It is a great accomplishment to have the continued efforts of our staff recognized by this distinction that very few banks achieve,” said Brooke Wiles, FNB’s Marketing Director and CRA Officer. “The rating recognizes FNB’s ongoing commitment to meeting the credit and development needs of all people in the communities we serve.”

Banks are evaluated on a variety of information pertaining to the communities they serve and how they rate against their competitors and peers in the areas of lending, investments and community services. Regulators usually spend several weeks reviewing each bank’s loans and the community services they provide, while also interviewing a variety of people within the communities about economic development trends, etc. An overall CRA rating is then assigned to each bank using a four-tiered rating system of Outstanding, Satisfactory, Needs to Improve, or Substantial Noncompliance.

For FNB CRA related questions, please contact Brooke Wiles, FNB’s Director of Marketing and CRA Officer, at (270) 247-1758 or at FNB’s Main Office, located at 101 East Broadway in Mayfield, Kentucky.

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Creating a Budget for Your Family

Written by Chelsea Culp on July 22, 2020. Posted in Money Matters.

It’s always the right time to create a saving and spending plan (aka a budget). It’s also a good idea to revisit that plan annually or when a major shift occurs in your income or expenses.

We’ve created an easy to use, but thorough, Spending and Saving Plan tool to use. Before you get started, here are some tips to help you #ThinkLikeASaver, ensuring that your money is working smarter and harder for you.

Step 1. Determine your income.

To create an effective budget, you need to know exactly how much money you’re bringing in each month. Calculate your monthly income by adding your paychecks and any other source of income that you receive regularly. Be sure to use your net pay rather than your gross pay. Your net pay is the amount you receive after taxes and other allocations, like retirement savings, are deducted.

Step 2. Track both your expenses and your spending.

This step is essential. It’s not enough to write out your actual expenses, like rent or mortgage, food, and auto insurance, you must also track what you are spending.

If you’ve ever felt like your money “just disappears,” you’re not the only one. Tracking your spending is a great way to find out exactly where your money goes. Spending $10 a day on parking or $5 every morning for coffee doesn’t sound like much until you calculate the total cost per month.

Tracking your spending will help you pinpoint the areas you may be overspending and help you quickly identify where you can make cost-efficient cuts.

Once you’ve written out your expenses and tracked your spending habits, you’re ready for the next step.

Step 3. Set your financial goals.

Now you get to look at your present financial situation and habits and decide what you want your future to look like. Ask yourself what’s most important to you right now? What financial goals do you want to achieve?

Some common goals include building an emergency fund, paying down debt, purchasing a home or car, saving for education, and retirement.

Step 4. Decrease your spending or increase your income.

What if you set your financial goals and realize there’s not enough money left at the end of the month to save for the things you want?

You essentially have two choices. You can either change the way you manage your current income or add a new source of income. In today’s gig economy, it’s easier than ever to add a stream of income, but we know that everyone’s situation is different, and that’s not always an option.

Even if you can add income, you may have identified some spending habits you’d like to change by decreasing how much you spend.

Take a look back at your expense tracking. For the nonessential items, consider reducing your spending. For example, if you find that you are spending quite a bit on entertainment, like movies or dining out, reduce the number of times you go per month.

Then apply the money that’s been freed up to your savings goals.

For more ideas on how to increase your savings, read 54 Ways to Save.

Step 5. Stick to your plan.

Make sure you stick to your spending and savings plan. To make saving more efficient, set up automatic savings so that you can set it and forget it! Saving automatically is the easiest way to save.

Reassess and adjust your plan whenever you have life changes such as marriage, a new baby, a move, or a promotion.

Following your plan ensures that you’re financially stable, are ‘thinking like a saver,’ and better prepared for those unexpected emergencies.

Want a savings accountability partner? Take the America Saves Pledge or re-pledge and commit to saving successfully. America Saves will support you by being your “Savings Accountability Partner” with tips, resources, nudges, and email and text communications to help you stay on track of your savings goal.

Written by Kia Young, AmericaSaves.org/blog

5 Ways to teach kids how to save money at home

5 Ways to Teach Kids How to Save at Home

Written by Chelsea Culp on July 22, 2020. Posted in Money Matters.

We start kids young with almost everything— sports, school, so why not saving? We are always looking for new ways to #ThinkLikeASaver in the America Saves community. The earlier that you have a positive mindset around saving, the easier it is to save successfully as an adult.

The idea of saving doesn’t always have to be tangible. There are definitely ways to save around your home that aren’t as black and white as putting money in a piggy bank or opening up a youth savings account.

Those small things that we expect our children to do around the home are contributing to saving as a family. This is important to communicate with them for several reasons, mainly as it can be a great motivator for them if your family is saving for a vacation or some other fun family gift or experience.

Here are some ideas of ways your children can save around the home:

1. Teach them to turn off the water.

Did you know using a (newer) dishwasher saves more water than hand washing dishes? Small adjustments like turning off the water while brushing your teeth, and ensuring a ‘full’ load of laundry during washing can save you big on your water bill.

2. Teach them to conserve energy.

This may seem like a no brainer, but turning off the lights and TV are one of the easiest things to forget when headed into another room or rushing out the door. Kids thrive when they feel like they’re the leader. Assign them the role of ‘Energy Saver’ and make it their responsibility to turn off all the lights, keep the refrigerator door closed, or checking to make sure the television is off if not being watched. Explain to them that they are helping the family save by keeping a lower electricity bill. You could even sweeten the deal by having an enticing Family Savings Goal, like visiting a local play place or even a more significant vacation. Equating saving with something they love will make it easier for them to understand the importance.

3. Teach them to enjoy cooking at home.

Eating out may be convenient, but cooking at home can be just as satisfying, especially when you get your kids involved. Try making their favorite pizza from scratch. They may enjoy the process and the taste way more than your usual take out order.

4. Teach them to grow their food.

Like cooking at home, when children have ownership of something, they’re more likely to enjoy it. Can you imagine how much more eager they’ll be to eat their broccoli and carrots if they grow it themselves? Not to mention, you will save quite a bit by growing your own fruits and veggies.

5. Have at-home family nights.

Get creative by having low-cost family fun activities such as family game nights, card games, (indoor or outdoor) movie nights, backyard campouts, and more. You’ll find it very easy to have fun and bond as a family, from the comfort of your home. A one-time investment for these activities can save you so much and keep the fun going for years to come.

By making these tips a habit, you’ll save on utility bills and entertainment. More importantly, you’ll be setting the foundation of positive saving habits with your children, which will last a lifetime and is priceless

If you have a goal of saving successfully, be sure to take the America Saves Pledge, choose your savings goal, and get support and great tips!

Written by Kia Young, AmericaSaves.org/blog

FNB Donates $1,100 to Soup for the Soul's Lunch and Literacy Program

FNB Makes $1,100 Donation to Soup for the Soul’s Lunch & Literacy Program

Written by Chelsea Culp on June 8, 2020. Posted in Headlines.

FNB Bank proudly donated $1,100 to Soup for the Soul’s Summer Lunch & Literacy Program. The Lunch & Literacy Program strives to provide summer meals to children who qualify for free or reduced lunch during the school year. The donation was a collective effort between individual employee donations and FNB.

“FNB and our employees are honored to donate to such a worthy cause as the Lunch and Literacy Program,” stated Amy Futrell, Murray-Calloway County Market President. “2020 has been a hard year, as we are living in unprecedented times, and I am thankful to be a part of an organization and team that wants to help our community any way that we can.”

For the past three summers, volunteers have packed and delivered bags of shelf-stable, healthy foods twice per week. An age-appropriate book is also included in one of the bi-weekly deliveries. Because of COVID-19, the same amount of food will be delivered this summer once per week, along with the book. Foods that are distributed do not require refrigeration and are easy to open and prepare. The program expects to feed 250 children this year at a rate of $100 per child.

Due to COVID-19 restrictions, Soup for the Soul is unable to hold their normal food drives and is relying on the help of the community to make this program successful. To make an online donation to the Summer Lunch & Literacy Program, visit: soup4thesoul.org. Checks can also be mailed to Soup for the Soul at PO Box 1001, Murray, KY 42071.

FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky and ranks among the highest in the nation in the area of safety and soundness. The bank currently has nine locations: Mayfield Main, Mayfield Southside, Wingo, Lone Oak, Paducah Midtown, Murray North, Murray South, Cadiz Main, and Cadiz West. FNB is member FDIC and an Equal Housing Lender.

FNB's Easter Coloring Page and Art Exhibition

FNB’s Easter Coloring Page & Art Exhibition

Written by Chelsea Culp on February 26, 2020. Posted in Happenings.

FNB’s 13th Annual Easter Coloring Page and Art Exhibition is happening now! Enter our 2020 Easter Coloring Page Art Exhibition by downloading our Easter Coloring Page here or by stopping by any FNB Office to pick up a printed copy. Completed pages can be dropped off by 4:00 PM on Tuesday, April 7th at any FNB Office. Four lucky kids will be chosen at random to win $50! See below for official coloring page contest rules.

FNB Easter Coloring Page Official Rules:

The deadline for participants to turn in their completed Easter Coloring Page is 4:00 PM on Tuesday, April 7^th, 2020 at any FNB Banking Center. The $50 drawings for the Easter Coloring Page will be held on Wednesday, April 8^th, 2020. Each of FNB’s market areas will select a winner at random (Graves County, Calloway County, McCracken County and Trigg County). Need not be present to win. Winners will be selected at random. Winners are required to be between the ages of 0-10. The winners will be contacted via the phone number listed on the coloring page entry. To enter by mail, send completed coloring page to the FNB Marketing Department, P.O. Box 369, Mayfield, KY 42066. FNB employees and their immediate families are not eligible to win.

Please contact Chelsea Culp, Marketing Assistant, at (270) 247-1758 or by e-mail at chelsea.culp@growwithfnb.com for all questions pertaining to the Easter Coloring Page Drawing.

FNB & Wendy's of Mayfield Raise over $1800 from Fundraising Chili Lunch

FNB & Wendy’s of Mayfield Raise Over $1,800 Through Fundraising Chili Lunch

Written by Chelsea Culp on February 25, 2020. Posted in Headlines.

FNB Bank recently partnered with Wendy’s of Mayfield for a Fundraising Chili Lunch to benefit the Feeding America Backpack Program for Mayfield and Graves County Schools and CASA of Graves County and Southwest KY. The lunch consisted of a cup of Wendy’s chili, a pimento cheese sandwich, crackers and a dessert all for a $5 donation.

“We are proud to partner with Wendy’s of Mayfield for this very important fundraiser year after year. Due to Wendy’s generous donation of food and supplies, coupled with lunch orders from local businesses and community members, we are able to make a significant impact in our community.” stated Brooke Wiles, FNB’s Marketing Director. “The profit from the lunch goes directly to benefit two worthy organizations that serve children in Mayfield-Graves County.”

Wendy’s donated the chili, crackers, hot sauce, cutlery and napkins to the cause while FNB employees donated money to go towards purchasing other necessary supplies. The lunch took place on Wednesday, February 12^that FNB’s Mayfield Main Office. Various businesses, organizations and individuals in the community placed over 350 orders which resulted in a profit of over $1,800 that will go towards the two philanthropies.

FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky and ranks among the highest in the nation in the area of safety and soundness. The bank currently has nine locations: Mayfield Main, Mayfield Southside, Wingo, Lone Oak, Paducah, Murray North, Murray South, Cadiz Main, and Cadiz West. FNB is member FDIC and an Equal Housing Lender.

FNB Donates to Murray & Calloway Schools Family Resource Centers

FNB Makes $2,220 Donation to Murray & Calloway Schools’ Family Resource Centers

Written by Chelsea Culp on February 4, 2020. Posted in Headlines.

FNB Bank proudly donated over $2,220 to the Family Resource Centers of Murray Independent Schools and Calloway County Schools as a result of the bankâ€™s 2019 philanthropic efforts in Murray-Calloway County.Â The Resource Centers for both schools work to ensure that all students have the opportunity to succeed by identifying unmet needs affecting children and families and mobilizing available resources to help meet those needs. They also organize programs and provide services in such areas as job/career counseling, parenting, youth enrichment and childcare.

â€œWe are honored to be able to fundraise and volunteer year after year for the family resource centers at both school systems,â€ stated Ashley Gibson, FNB Mortgage Loan Officer. â€œWhat they do for the families in our community is truly inspiring.â€

FNB employees coordinated and participated in numerous fundraising events benefiting the Family Resource Centers throughout 2019, including various jean days and an April Cookout.Â In addition, FNB employees helped to stuff backpacks in preparation for the Murray/Calloway Back to School Blast and hosted a booth at the event to hand out free school supplies. Employees also volunteered to support the Murray Tiger and Calloway Laker Christmas programs by donating time and gifts to the causes. Christmas tree tags from both schools were also available at FNBâ€™s Murray Office; these tags provided support to local families in Murray-Calloway County that needed assistance during the holiday season.

FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky and ranks among the highest in the nation in the area of safety and soundness.Â The bank currently has nine locations:Â Mayfield Main, Mayfield Southside, Wingo, Lone Oak, Paducah, Murray North, Murray South, Cadiz Main, and Cadiz West.Â FNB is member FDIC and an Equal Housing Lender.

CALL THE MAIN OFFICE:

270-247-1758

Author: Chelsea Culp

FNB’s Recent Officer Promotions

FNB Donates Over $18,200 Back to Local Schools through Debit Card Reward Program

FNB Bank Receives Another “Outstanding” Community Reinvestment Act Rating