Vitals
  • Total Assets
    491.1M -0.9 %
  • Total Deposits
    409.5M -0.7 %
  • Total Net Loans
    269.5M 6.0 %
  • Net Income
    5.0M -6.8 %
  • Book Value
    65.3M -2.9 %
  • Book Value x2
    130.6M -2.9 %
  • Book Value x3
    195.9M -2.9 %
ROAA

1.014

ROAE

7.403

Efficiency Ratio

66.697

Net Interest Margin

3.971

Balance Sheet Highlights
Financial Highlights First & Farmers National Bank, Inc. All Insured Commercial Banks in Kentucky
Balance Sheet $(000)
Total Assets 491,126 275,102
Total Net Loans 269,486 177,820
Total Deposits 409,476 227,063
Total Equity 65,296 30,287
Profitability
Net Income 5,009 2,592
Return on Average Assets 1.014 .944
Return on Average Equity 7.403 8.074
Net Interest Margin 3.971 3.847
Efficiency Ratio 66.697 70.925
Noninterest Income/Revenue 11.81 17.219
Balance Sheet Ratios
Loan-to-Deposit 65.812 76.952
Securities/Assets .365 .219
Total Equity/Total Assets .133 .11
Tangible Equity/Tangible Assets .098 .107
Capital Adequacy
Tier 1 Common Capital 51,947 29,354
Tier 1 Capital 51,947 29,354
Tier 2 Capital 3,965 2,092
Total Capital 55,912 31,454
Total Risk Weighted Assets 355,018 190,479
Leverage Ratio 10.82 11.285
Common Equity Tier 1 Capital Ratio 14.63 17.115
Tier 1 Capital Ratio 14.63 17.115
Total Capital Ratio 15.75 18.174

Timeline for First & Farmers National Bank, Inc.

First & Farmers Bank, Inc.

Acquisition: First & Farmers National Bank, Inc. acquired a new subsidiary, First & Farmers Bank, Inc., 16 years

View Profile Feb 16 2008

Albany Bancorp, Inc.

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

View Profile Feb 16 2008

First National Bancorp Of Columbia, Inc.

First National Bancorp Of Columbia, Inc. became a new parent organization for First & Farmers National Bank, Inc..

View Profile Apr 01 1991

First & Farmers National Bank, Inc.

First & Farmers National Bank, Inc. was established 120 years ago and is currently headquartered in Somerset, KY.

Oct 15 1903
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First & Farmers Bank, Inc. Seller 255,485 Pooling of Interests Discontinued 2/16/2008
Relationships Role Relationship Start Relationship End
Albany Bancorp, Inc. Parent 2/16/2008
First National Bancorp Of Columbia, Inc. Parent 4/1/1991 2/15/2008
Similar Organizations
Organization City State Total Assets
The Northumberland National Bank
 		Northumberland PA 498.2M
The Malvern National Bank
 		Malvern AR 511.2M
Kleberg Bank, N.A.
 		Kingsville TX 513.4M
First National Bank And Trust Company Of Ardmore
 		Ardmore OK 490.7M
The First National Bank Of Albany
 		Albany TX 488.6M
The First National Bank In Staunton
 		Staunton IL 497.0M
The Fairfield National Bank
 		Fairfield IL 496.1M
The First National Bank Of Mcminnville
 		Mcminnville TN 484.7M
First National Bank
 		Waupaca WI 492.4M
First National Bank North
 		Walker MN 518.3M