investor relations

Investor Relations

In 1982, First Bancshares Inc. was formed as a holding company which owns 100% of the shares of First National Bank. All First National Bank stockholders were converted to these shares in 1983. Presently, the overall ownership consists of a diverse mix of shareholders that in many cases are descendants of the founding principals or prior senior officers of the bank. Presently, there is no concentration of ownership that would be considered a controlling interest in the corporation.

First Bancshares, Inc. is also the sole shareholder of First Bellevue Properties which is a subsidiary formed to hold foreclosed bank assets and other real estate where it's best to be sheltered from bank liability.

First National Bank is an independent, local community bank focusing our attention on the needs of local families, businesses, and farmers. We pride ourselves in knowing our customers by their first name. The decision process for making for loans and other services is managed by local officers and board of directors. First National Bank of Bellevue received its national charter on September 30, 1875 with headquarters located in Bellevue, Ohio.

First National Bank is the primary operating company of the corporation and consists of a community bank with approximately $180M of total assets with six banking offices located in Bellevue, Catawba Island, Clyde, Port Clinton, Put in Bay Ohio and Sandusky.

FNB offers traditional banking products in the form of Demand Deposit Accounts, Savings Accounts, Money Market Accounts and various forms of Certificates of Deposit. Many loan products are also available targeted to consumers and small business owners. The bank's target customer base is small businesses, farmers and consumers of residential mortgage loans and Home Equity Loans.

With the banking offices located in north central Ohio, there is a strong influence of manufacturing and tourism businesses along with agricultural base that is significant. Many of our employees have a long tenure of service to the bank. With approximately 50 total employees, 18 have been with the bank for 10 years or longer and 10 of these have 20 years or more of employment.

The management team consists of seasoned bankers and professionals that are driven to make First National Bank a premier financial institution by prudently managing the assets of the company to generate appropriate profits that will provide adequate return to investors. . Their names and biographies are included in this material.

The board of directors is made up of local business people that live and work in the immediate market area of the bank. They are very familiar with the needs of the communities we serve and understand the importance of delivering quality financial services in a manner that fits the needs of business people and consumers. Their names and biographies are included in this material.

First Bancshares, Inc.
Deb Hawkins
Corporate Secretary
120 North Street
P.O. Box 120
Bellevue, Ohio 44811

Phone 419-483-7340
Fax 419-483-0006

hawkinsd@fnblifetime.com

Sharon Barnes
Vice President
Barnes Nursery, Inc
Huron, OH
Board of Directors since 2008

John A. Coppeler
Attorney at Law
Flynn, Py & Kruse
Port Clinton, OH
Board of Directors since 1991


Gordon A. Gibbs
CEO & Owner
Gibbs Equipment, Inc.
Bellevue, OH
Board of Directors since 1985

Steven L. Mays, DVM
Doctor of Veterinary Medicine
Countryview Animal Hospital
Bellevue, OH
Board of Directors since 1995


Duffield Milkie
Corporate Legal Counsel
Cedar Fair
Sandusky, Oh
Board of Directors since 2014

Dean J. Miller
President/CEO
First National Bank
Bellevue, OH
Board of Directors since 2006


Melvin H. Miller
Retired President/Chairman
Janotta & Herner, Inc
Port Clinton, OH
Board of Directors since 2011

James V. Stouffer
President/CEO Catawba Island Club
Port Clinton, OH
Board of Directors since 2013


Michael K. Winthrop
President/CEO
The Bellevue Hospital
Bellevue, OH
Board of Directors since 1991

Dean Miller

Dean Miller

President/CEO

Dean joined First National Bank in 2006 as President/CEO and a member of the board of directors. He holds a Bachelor of Science degree from The Ohio State University. He is a graduate of the University of Wisconsin Graduate School of Banking at Madison as well as a graduate of the National Commercial Lending School at The University of Oklahoma. A native of Clyde, Ohio, Dean has over 30 years of lending and banking experience with an emphasis on commercial lending and management in a Community Bank environment.


Brian Harr

Brian Harr

EVP/Chief Lending Officer

Brian joined FNB in 2012 as the senior credit officer for the bank and has over 28 years of banking experience including a role of Chief Lending Officer. Brian is a graduate of Franklin University with a Bachelor of Science degree in Finance. He has received various other training in the area of Credit and Management during his tenure in the banking industry. He has been involved in his community serving on numerous boards of local organizations and non-profit groups.


Edmund Schafer

Edmund Schafer

CPA - SVP/Chief Financial Officer

Ed joined the bank as CFO in 2008. He is a graduate of Tiffin University with a Bachelors of Arts degree in Accounting, along with various continuing professional education required of CPA's. Ed was managing partner of Soderberg and Schafer LLC, an accounting firm located in Port Clinton from 1984 to November 2008. He served First National Bank as a board member for 14 years prior to working for the bank. He is a member of the American Institute of Certified Public Accountants (AICPA), Ohio Society of Certified Public Accountants (OSCPA) and Port Clinton Knights of Columbus.


Deb Hawkins

Deb Hawkins

SVP/Corporate Secretary

Deb began employment with the bank in 1971 and has served in many roles and worked in several departments within the organization. She holds a diploma from the Graduate School of Banking at University of Wisconsin. Deb is a native of Bellevue and provides a wealth of knowledge and history to the bank. She currently manages the loan operations function of the bank and serves as the corporate secretary and stock transfer agent for the holding company.

Market Maker


Boenning & Scattergood
Financial Institutions Group
Toll Free Phone# 1-866-326-8113

www.boenninginc.com


Nicolas P. Bicking

Senior Vice President
Equity Capital Markets

nbicking@boenninginc.com


Thomas L. Dooley

Senior Vice President
Equity Capital Markets

tdooley@boenninginc.com

Transfer Agent & Dividend Reinvestment Program Manager

American Stock Transfer & Trust Company, LLC
6201 15th Avenue
Brooklyn, NY 11219
Toll Free: 800-937-5449
Tel: 718-921-8114
Fax: 718-921-8367

www.amstock.com
Name of Document Open PDF
Shareholder Letter January 2017 Open
Shareholder Letter October 2016 Open
Shareholder Letter July 2016 Open
Shareholder Letter April 2016 Open
2015 Annual Report Open
Name of Document Open PDF
Financial Date for December 2016 Open
Financial Data for September 2016 Open
Financial Data for June 2016 Open
Financial Data for March 2016 Open