| Weiss Ratings |
First Citizens Bank
Luverne, AL |
Click to Compare |
Click to Compare |
Click to Compare |
| Rating | ||||
| Asset Quality Index | 5.60 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.00 | |||
| Profitability Index | 7.90 | |||
| Stability Index | 7.90 | |||
| Company Info |
First Citizens Bank
Luverne, AL |
Click to Compare |
Click to Compare |
Click to Compare |
| FDIC Number | 23152 | |||
| Phone Number | (334) 335-3346 | |||
| Website | www.fcbl.com | |||
| Asset Quality |
First Citizens Bank
Luverne, AL |
Click to Compare |
Click to Compare |
Click to Compare |
| 1-Year Asset Growth | 4.54% | |||
| 5-Year Asset Growth | 10.77% | |||
| 5-Year Charge-Offs to Average Loans | 0.01% | |||
| Charge-Offs to Average Loans | 0.09% | |||
| Non-Performing Assets to Assets | 2.01% | |||
| Non-Performing Loans to Capital | 6.00% | |||
| Non-Performing Loans to Loans | 1.74% | |||
| Balance Sheet |
First Citizens Bank
Luverne, AL |
Click to Compare |
Click to Compare |
Click to Compare |
| Total Assets | 378.51M | |||
| Total Deposits | 326.93M | |||
| Capital and Reserves |
First Citizens Bank
Luverne, AL |
Click to Compare |
Click to Compare |
Click to Compare |
| Capital | 43.51M | |||
| Leverage Ratio | 13.91 | |||
| Loan Loss Reserves to Loans | 1.62% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
First Citizens Bank
Luverne, AL |
Click to Compare |
Click to Compare |
Click to Compare |
| Hot Money Ratio | 25.40% | |||
| Liquidity Ratio | 23.12% | |||
| Profitability |
First Citizens Bank
Luverne, AL |
Click to Compare |
Click to Compare |
Click to Compare |
| 5-Year Return on Average Assets | 1.30% | |||
| Net Income | 3.12M | |||
| Net Interest Spread | 4.25% | |||
| Operating Profit to Average Assets | 2.13% | |||
| Overhead Efficiency Ratio | 50.69% | |||
| Return on Assets | 1.67% | |||
| Return on Equity | 14.87% | |||