| 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 | 1.90 | |||
| Profitability Index | 6.40 | |||
| 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 | 4.49% | |||
| 5-Year Asset Growth | 3.78% | |||
| 5-Year Charge-Offs to Average Loans | -0.03% | |||
| Charge-Offs to Average Loans | -0.07% | |||
| Non-Performing Assets to Assets | 0.61% | |||
| Non-Performing Loans to Capital | 5.53% | |||
| Non-Performing Loans to Loans | 0.84% | |||
| Balance Sheet |
First & Farmers National Bank, Inc.
Somerset, KY |
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| Total Assets | 676.31M | |||
| Total Deposits | 577.58M | |||
| Capital and Reserves |
First & Farmers National Bank, Inc.
Somerset, KY |
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| Capital | 76.36M | |||
| Leverage Ratio | 11.47 | |||
| Loan Loss Reserves to Loans | 1.59% | |||
| Risk-Based Capital Ratio | 15.73 | |||
| Liquidity |
First & Farmers National Bank, Inc.
Somerset, KY |
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| Hot Money Ratio | 22.10% | |||
| Liquidity Ratio | 17.30% | |||
| Profitability |
First & Farmers National Bank, Inc.
Somerset, KY |
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| 5-Year Return on Average Assets | 0.95% | |||
| Net Income | 9.00M | |||
| Net Interest Spread | 4.03% | |||
| Operating Profit to Average Assets | 1.69% | |||
| Overhead Efficiency Ratio | 60.16% | |||
| Return on Assets | 1.35% | |||
| Return on Equity | 12.21% | |||