Vitals
  • Total Assets
    255.5M 3.2 %
  • Total Deposits
    218.1M 4.0 %
  • Total Net Loans
    166.8M 3.7 %
  • Net Income
    1.8M -8.1 %
  • Book Value
    32.0M 2.8 %
  • Book Value x2
    64.0M 2.8 %
  • Book Value x3
    96.0M 2.8 %
ROAA

.703

ROAE

5.595

Efficiency Ratio

72.605

Net Interest Margin

3.897

Balance Sheet Highlights
Financial Highlights First & Farmers Bank, Inc. All Insured Commercial Banks in Kentucky
Balance Sheet $(000)
Total Assets 255,485 182,449
Total Net Loans 166,828 121,449
Total Deposits 218,088 145,422
Total Equity 31,993 19,333
Profitability
Net Income 1,761 2,761
Return on Average Assets .703 1.193
Return on Average Equity 5.595 10.961
Net Interest Margin 3.897 4.06
Efficiency Ratio 72.605 65.891
Noninterest Income/Revenue 9.273 11.543
Balance Sheet Ratios
Loan-to-Deposit 76.496 81.459
Securities/Assets .207 .326
Total Equity/Total Assets .125 .106
Tangible Equity/Tangible Assets .075 .048
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 19,331 17,813
Tier 2 Capital 2,251 1,379
Total Capital 21,582 19,196
Total Risk Weighted Assets 179,307 125,877
Leverage Ratio 8.02 10.73
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 10.78 16.255
Total Capital Ratio 12.04 17.369

Timeline for First & Farmers Bank, Inc.

First & Farmers National Bank, Inc.

First & Farmers Bank, Inc. was acquired by First & Farmers National Bank, Inc. 16 years

View Profile Feb 16 2008

Albany Bancorp, Inc.

Albany Bancorp, Inc. became a new parent organization for First & Farmers Bank, Inc..

View Profile Jan 14 1993

First & Farmers Bank, Inc.

First & Farmers Bank, Inc. was established 125 years ago and is currently headquartered in Albany, KY.

Jun 01 1898
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First & Farmers National Bank, Inc. Buyer 503,367 Pooling of Interests Discontinued 2/16/2008
Relationships Role Relationship Start Relationship End
Albany Bancorp, Inc. Parent 12/31/1993 2/15/2008
Albany Bancorp, Inc. Parent 1/14/1993 12/30/1993
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