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
2018 2017 2016 2015 2014
Balance Sheet:
Cash $13,544 $12,518 $12,471 $9,481 $13,719
Securities
Held-to-Maturity $1,000 $7,640 $7,782 $8,471 $8,669
Available for Sale $158,308 $179,958 $171,707 $192,052 $188,600
Fed Funds $5,004 $0 $0 $3,634 $0
Loans & Leases Held For Sale $149 $0 $652 $129 $0
Net Loans $302,739 $276,150 $268,834 $254,070 $249,552
Fixed Assets $9,442 $7,890 $7,006 $5,631 $5,625
Oreo $17 $13 $55 $0 $581
Intangibles $15,536 $17,262 $17,268 $17,290 $17,312
Other Assets $5,128 $5,486 $5,350 $4,926 $5,049
Total Assets $510,867 $506,917 $491,125 $495,684 $489,107
DDA $101,357 $100,576 $98,734 $92,736 $82,088
Int. Bearing $322,709 $321,290 $310,742 $319,695 $330,093
Total Deposits $424,066 $421,866 $409,476 $412,431 $412,181
Fed Funds Purchased/Other $16,423 $10,694 $9,295 $8,400 $6,356
Other Liabilities $5,018 $6,588 $7,058 $7,639 $5,422
Total Liabilities $445,507 $439,148 $425,829 $428,470 $423,959
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 $19,165 $20,091 $18,127 $18,018 $15,825
Net Unrealized Gains/(Losses) -$855 $628 $119 $2,146 $2,273
Total Capital $65,360 $67,769 $65,296 $67,214 $65,148
Total Liabilities & Captial $510,867 $506,917 $491,125 $495,684 $489,107
Income Statement:
Loan Income $15,010 $13,772 $13,498 $13,293 $13,549
Investment Income $7,158 $5,734 $5,817 $5,984 $5,325
Fed Funds Income $195 $213 $145 $135 $144
Total Int. Income $22,363 $19,719 $19,460 $19,412 $19,018
Expense Statement:
Transaction Accts. $27 $25 $31 $34 $34
Money Market/Savings $307 $381 $416 $429 $489
Time Deposits $100M & Over $1,054 $890 $722 $776 $900
Time Deposits Under $100M $754 $613 $531 $565 $687
Total $2,142 $1,909 $1,700 $1,804 $2,110
Fed Funds/Other $178 $78 $56 $32 $56
Total Int. Expense $2,320 $1,987 $1,756 $1,836 $2,166
Net Interest Income $20,043 $17,732 $17,704 $17,576 $16,852
Provision for Loan Losses $260 $0 $0 -$100 $1,550
Provision for SEC Losses $0 $0 $0 $0 $0
SC’S on Deposit Accts $1,563 $1,624 $1,539 $1,577 $1,711
Other Non-Int Income $1,245 $1,219 $1,156 $1,198 $677
Gain/Losses on Securities -$173 $0 $29 $26 $0
Salaries & Emp. Benefits $8,942 $8,463 $8,160 $7,928 $7,686
Fixed Assets Expenses $1,153 $1,083 $947 $908 $984
Core Deposit Intangible Amortization $1,726 $6 $22 $22 $22
Other Non-Int Expense $4,592 $4,477 $4,919 $4,672 $4,731
Income before Taxes $6,005 $6,546 $6,380 $6,947 $4,267
Taxes $708 $181 $1,371 $1,574 $898
Total $5,297 $6,365 $5,009 $5,373 $3,369
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
2018 2017 2016 2015 2014
Balance Sheet:
Cash $13,544 $12,518 $12,471 $9,481 $13,719
Securities
Held-to-Maturity $1,000 $7,640 $7,782 $8,471 $8,669
Available for Sale $158,308 $179,958 $171,707 $192,052 $188,600
Fed Funds $5,004 $0 $0 $3,634 $0
Loans & Leases Held For Sale $149 $0 $652 $129 $0
Net Loans $302,739 $276,150 $268,834 $254,070 $249,552
Fixed Assets $9,442 $7,890 $7,006 $5,631 $5,625
Oreo $17 $13 $55 $0 $581
Intangibles $15,536 $17,262 $17,268 $17,290 $17,312
Other Assets $5,128 $5,486 $5,350 $4,926 $5,049
Total Assets $510,867 $506,917 $491,125 $495,684 $489,107
DDA $101,357 $100,576 $98,734 $92,736 $82,088
Int. Bearing $322,709 $321,290 $310,742 $319,695 $330,093
Total Deposits $424,066 $421,866 $409,476 $412,431 $412,181
Fed Funds Purchased/Other $16,423 $10,694 $9,295 $8,400 $6,356
Other Liabilities $5,018 $6,588 $7,058 $7,639 $5,422
Total Liabilities $445,507 $439,148 $425,829 $428,470 $423,959
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 $19,165 $20,091 $18,127 $18,018 $15,825
Net Unrealized Gains/(Losses) -$855 $628 $119 $2,146 $2,273
Total Capital $65,360 $67,769 $65,296 $67,214 $65,148
Total Liabilities & Captial $510,867 $506,917 $491,125 $495,684 $489,107
Income Statement:
Loan Income $15,010 $13,772 $13,498 $13,293 $13,549
Investment Income $7,158 $5,734 $5,817 $5,984 $5,325
Fed Funds Income $195 $213 $145 $135 $144
Total Int. Income $22,363 $19,719 $19,460 $19,412 $19,018
Expense Statement:
Transaction Accts. $27 $25 $31 $34 $34
Money Market/Savings $307 $381 $416 $429 $489
Time Deposits $100M & Over $1,054 $890 $722 $776 $900
Time Deposits Under $100M $754 $613 $531 $565 $687
Total $2,142 $1,909 $1,700 $1,804 $2,110
Fed Funds/Other $178 $78 $56 $32 $56
Total Int. Expense $2,320 $1,987 $1,756 $1,836 $2,166
Net Interest Income $20,043 $17,732 $17,704 $17,576 $16,852
Provision for Loan Losses $260 $0 $0 -$100 $1,550
Provision for SEC Losses $0 $0 $0 $0 $0
SC’S on Deposit Accts $1,563 $1,624 $1,539 $1,577 $1,711
Other Non-Int Income $1,245 $1,219 $1,156 $1,198 $677
Gain/Losses on Securities -$173 $0 $29 $26 $0
Salaries & Emp. Benefits $8,942 $8,463 $8,160 $7,928 $7,686
Fixed Assets Expenses $1,153 $1,083 $947 $908 $984
Core Deposit Intangible Amortization $1,726 $6 $22 $22 $22
Other Non-Int Expense $4,592 $4,477 $4,919 $4,672 $4,731
Income before Taxes $6,005 $6,546 $6,380 $6,947 $4,267
Taxes $708 $181 $1,371 $1,574 $898
Total $5,297 $6,365 $5,009 $5,373 $3,369