| Weiss Ratings |
First & Farmers National Bank, Inc.
Somerset, KY |
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| Rating | ||||
| Asset Quality Index | 7.50 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 1.80 | |||
| Profitability Index | 6.10 | |||
| Stability Index | 5.70 | |||
| Company Info |
First & Farmers National Bank, Inc.
Somerset, KY |
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| FDIC Number | 2738 | |||
| Phone Number | (606) 679-7451 | |||
| Website | www.firstandfarmers.com | |||
| Asset Quality |
First & Farmers National Bank, Inc.
Somerset, KY |
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| 1-Year Asset Growth | 0.39% | |||
| 5-Year Asset Growth | 4.81% | |||
| 5-Year Charge-Offs to Average Loans | -0.03% | |||
| Charge-Offs to Average Loans | 0.01% | |||
| Non-Performing Assets to Assets | 0.61% | |||
| Non-Performing Loans to Capital | 5.16% | |||
| Non-Performing Loans to Loans | 0.86% | |||
| Balance Sheet |
First & Farmers National Bank, Inc.
Somerset, KY |
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| Total Assets | 667.62M | |||
| Total Deposits | 561.18M | |||
| Capital and Reserves |
First & Farmers National Bank, Inc.
Somerset, KY |
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| Capital | 77.56M | |||
| Leverage Ratio | 11.75 | |||
| Loan Loss Reserves to Loans | 1.54% | |||
| Risk-Based Capital Ratio | 16.14 | |||
| Liquidity |
First & Farmers National Bank, Inc.
Somerset, KY |
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| Hot Money Ratio | 22.60% | |||
| Liquidity Ratio | 17.46% | |||
| Profitability |
First & Farmers National Bank, Inc.
Somerset, KY |
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| 5-Year Return on Average Assets | 0.95% | |||
| Net Income | 6.60M | |||
| Net Interest Spread | 3.97% | |||
| Operating Profit to Average Assets | 1.67% | |||
| Overhead Efficiency Ratio | 60.05% | |||
| Return on Assets | 1.32% | |||
| Return on Equity | 12.10% | |||