| Weiss Ratings |
First Citizens Bank
Luverne, AL |
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| Rating | ||||
| Asset Quality Index | 5.50 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.00 | |||
| Profitability Index | 8.00 | |||
| Stability Index | 8.00 | |||
| 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 | 5.94% | |||
| 5-Year Asset Growth | 10.77% | |||
| 5-Year Charge-Offs to Average Loans | 0.01% | |||
| Charge-Offs to Average Loans | 0.59% | |||
| Non-Performing Assets to Assets | 1.72% | |||
| Non-Performing Loans to Capital | 6.74% | |||
| Non-Performing Loans to Loans | 1.68% | |||
| Balance Sheet |
First Citizens Bank
Luverne, AL |
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| Total Assets | 392.40M | |||
| Total Deposits | 335.81M | |||
| Capital and Reserves |
First Citizens Bank
Luverne, AL |
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| Capital | 47.45M | |||
| Leverage Ratio | 14.12 | |||
| Loan Loss Reserves to Loans | 1.33% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
First Citizens Bank
Luverne, AL |
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| Hot Money Ratio | 25.66% | |||
| Liquidity Ratio | 24.18% | |||
| Profitability |
First Citizens Bank
Luverne, AL |
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| 5-Year Return on Average Assets | 1.30% | |||
| Net Income | 4.50M | |||
| Net Interest Spread | 4.32% | |||
| Operating Profit to Average Assets | 2.03% | |||
| Overhead Efficiency Ratio | 51.68% | |||
| Return on Assets | 1.60% | |||
| Return on Equity | 13.91% | |||