Albany Bancorp, Inc.  Looking Forward to the Future!

Financials

(000’s) First & Farmers National Bank First & Farmers National Bank First & Farmers National Bank First & Farmers National Bank First & Farmers National Bank
2019 2018 2017 2016 2015
Balance Sheet:
Cash $11,165 $13,544 $12,518 $12,471 $9,481
Securities
Held-to-Maturity $1,000 $1,000 $7,640 $7,782 $8,471
Available for Sale $174,634 $158,308 $179,958 $171,707 $192,052
Fed Funds $0 $5,004 $0 $0 $3,634
Loans & Leases Held For Sale $119 $149 $0 $652 $129
Net Loans $303,819 $302,739 $276,150 $268,834 $254,070
Fixed Assets $12,197 $9,442 $7,890 $7,006 $5,631
Oreo $45 $17 $13 $55 $0
Intangibles $13,810 $15,536 $17,262 $17,268 $17,290
Other Assets $5,078 $5,128 $5,486 $5,350 $4,926
Total Assets $521,867 $510,867 $506,917 $491,125 $495,684
DDA $97,654 $101,357 $100,576 $98,734 $92,736
Int. Bearing $335,934 $322,709 $321,290 $310,742 $319,695
Total Deposits $433,588 $424,066 $421,866 $409,476 $412,431
Fed Funds Purchased/Other $11,756 $16,423 $10,694 $9,295 $8,400
Other Liabilities $6,397 $5,018 $6,588 $7,058 $7,639
Total Liabilities $451,741 $445,507 $439,148 $425,829 $428,470
Common Stock $1,200 $1,200 $1,200 $1,200 $1,200
Surplus $45,850 $45,850 $45,850 $45,850 $45,850
Undivided Profits $19,969 $19,165 $20,091 $18,127 $18,018
Net Unrealized Gains/(Losses) $3,107 ($855) $628 $119 $2,146
Total Capital $70,126 $65,360 $67,769 $65,296 $67,214
Total Liabilities & Captial $521,867 $510,867 $506,917 $491,125 $495,684
Income Statement:
Loan Income $16,183 $15,010 $13,772 $13,498 $13,293
Investment Income $4,688 $7,158 $5,734 $5,817 $5,984
Fed Funds Income $319 $195 $213 $145 $135
Total Int. Income $21,190 $22,363 $19,719 $19,460 $19,412
Expense Statement:
Transaction Accts. $40 $27 $25 $31 $34
Money Market/Savings $347 $307 $381 $416 $429
Time Deposits $100M & Over $1,835 $1,054 $890 $722 $776
Time Deposits Under $100M $1,270 $754 $613 $531 $565
Total 3,492 $2,142 $1,909 $1,700 $1,804
Fed Funds/Other $91 $178 $78 $56 $32
Total Int. Expense 3,583 $2,320 $1,987 $1,756 $1,836
Net Interest Income 17,607 $20,043 $17,732 $17,704 $17,576
Provision for Loan Losses $0 $260 $0 $0 ($100)
SC’S on Deposit Accts $1,399 $1,563 $1,624 $1,539 $1,577
Other Non-Int Income $1,437 $1,245 $1,219 $1,156 $1,198
Gain/Losses on Securities $0 ($173) $0 $29 $26
Salaries & Emp. Benefits $8,814 $8,942 $8,463 $8,160 $7,928
Fixed Assets Expenses $1,168 $1,153 $1,083 $947 $908
Core Deposit Intangible Amortization $1,726 $1,726 $6 $22 $22
Other Non-Int Expense 5,010 $4,592 $4,477 $4,919 $4,672
Income before Taxes $3,725 $6,005 $6,546 $6,380 $6,947
Taxes $521 $708 $181 $1,371 $1,574
Total $3,204 $5,297 $6,365 $5,009 $5,373

 

Albany Bancorp, Inc.  Looking Forward to the Future!

Financials

(000’s) First & Farmers National Bank First & Farmers National Bank First & Farmers National Bank First & Farmers National Bank First & Farmers National Bank
2019 2018 2017 2016 2015
Balance Sheet:
Cash $11,165 $13,544 $12,518 $12,471 $9,481
Securities
Held-to-Maturity $1,000 $1,000 $7,640 $7,782 $8,471
Available for Sale $174,634 $158,308 $179,958 $171,707 $192,052
Fed Funds $0 $5,004 $0 $0 $3,634
Loans & Leases Held For Sale $119 $149 $0 $652 $129
Net Loans $303,819 $302,739 $276,150 $268,834 $254,070
Fixed Assets $12,197 $9,442 $7,890 $7,006 $5,631
Oreo $45 $17 $13 $55 $0
Intangibles $13,810 $15,536 $17,262 $17,268 $17,290
Other Assets $5,078 $5,128 $5,486 $5,350 $4,926
Total Assets $521,867 $510,867 $506,917 $491,125 $495,684
DDA $97,654 $101,357 $100,576 $98,734 $92,736
Int. Bearing $335,934 $322,709 $321,290 $310,742 $319,695
Total Deposits $433,588 $424,066 $421,866 $409,476 $412,431
Fed Funds Purchased/Other $11,756 $16,423 $10,694 $9,295 $8,400
Other Liabilities $6,397 $5,018 $6,588 $7,058 $7,639
Total Liabilities $451,741 $445,507 $439,148 $425,829 $428,470
Common Stock $1,200 $1,200 $1,200 $1,200 $1,200
Surplus $45,850 $45,850 $45,850 $45,850 $45,850
Undivided Profits $19,969 $19,165 $20,091 $18,127 $18,018
Net Unrealized Gains/(Losses) $3,107 ($855) $628 $119 $2,146
Total Capital $70,126 $65,360 $67,769 $65,296 $67,214
Total Liabilities & Captial $521,867 $510,867 $506,917 $491,125 $495,684
Income Statement:
Loan Income $16,183 $15,010 $13,772 $13,498 $13,293
Investment Income $4,688 $7,158 $5,734 $5,817 $5,984
Fed Funds Income $319 $195 $213 $145 $135
Total Int. Income $21,190 $22,363 $19,719 $19,460 $19,412
Expense Statement:
Transaction Accts. $40 $27 $25 $31 $34
Money Market/Savings $347 $307 $381 $416 $429
Time Deposits $100M & Over $1,835 $1,054 $890 $722 $776
Time Deposits Under $100M $1,270 $754 $613 $531 $565
Total 3,492 $2,142 $1,909 $1,700 $1,804
Fed Funds/Other $91 $178 $78 $56 $32
Total Int. Expense 3,583 $2,320 $1,987 $1,756 $1,836
Net Interest Income 17,607 $20,043 $17,732 $17,704 $17,576
Provision for Loan Losses $0 $260 $0 $0 ($100)
SC’S on Deposit Accts $1,399 $1,563 $1,624 $1,539 $1,577
Other Non-Int Income $1,437 $1,245 $1,219 $1,156 $1,198
Gain/Losses on Securities $0 ($173) $0 $29 $26
Salaries & Emp. Benefits $8,814 $8,942 $8,463 $8,160 $7,928
Fixed Assets Expenses $1,168 $1,153 $1,083 $947 $908
Core Deposit Intangible Amortization $1,726 $1,726 $6 $22 $22
Other Non-Int Expense 5,010 $4,592 $4,477 $4,919 $4,672
Income before Taxes $3,725 $6,005 $6,546 $6,380 $6,947
Taxes $521 $708 $181 $1,371 $1,574
Total $3,204 $5,297 $6,365 $5,009 $5,373