| Weiss Ratings |
First Citizens Bank
Luverne, AL |
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| Rating | ||||
| Asset Quality Index | 6.70 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.90 | |||
| Profitability Index | 9.00 | |||
| Stability Index | 6.30 | |||
| Company Info |
First Citizens Bank
Luverne, AL |
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| FDIC Number | 23152 | |||
| Phone Number | (334) 335-3346 | |||
| Website | www.fcbl.com | |||
| Asset Quality |
First Citizens Bank
Luverne, AL |
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| 1-Year Asset Growth | 6.36% | |||
| 5-Year Asset Growth | 6.80% | |||
| 5-Year Charge-Offs to Average Loans | 0.11% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 1.61% | |||
| Non-Performing Loans to Capital | 4.50% | |||
| Non-Performing Loans to Loans | 1.42% | |||
| Balance Sheet |
First Citizens Bank
Luverne, AL |
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| Total Assets | 402.58M | |||
| Total Deposits | 344.12M | |||
| Capital and Reserves |
First Citizens Bank
Luverne, AL |
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| Capital | 51.38M | |||
| Leverage Ratio | 14.30 | |||
| Loan Loss Reserves to Loans | 1.31% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
First Citizens Bank
Luverne, AL |
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| Hot Money Ratio | 26.96% | |||
| Liquidity Ratio | 23.20% | |||
| Profitability |
First Citizens Bank
Luverne, AL |
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| 5-Year Return on Average Assets | 1.38% | |||
| Net Income | 4.03M | |||
| Net Interest Spread | 4.42% | |||
| Operating Profit to Average Assets | 2.57% | |||
| Overhead Efficiency Ratio | 44.74% | |||
| Return on Assets | 1.99% | |||
| Return on Equity | 16.10% | |||