| Weiss Ratings |
First Citizens Bank
Luverne, AL |
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| Rating | ||||
| Asset Quality Index | 4.60 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.00 | |||
| Profitability Index | 7.30 | |||
| Stability Index | 7.90 | |||
| 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 | 4.36% | |||
| 5-Year Asset Growth | 10.77% | |||
| 5-Year Charge-Offs to Average Loans | 0.01% | |||
| Charge-Offs to Average Loans | 0.06% | |||
| Non-Performing Assets to Assets | 1.98% | |||
| Non-Performing Loans to Capital | 13.99% | |||
| Non-Performing Loans to Loans | 3.45% | |||
| Balance Sheet |
First Citizens Bank
Luverne, AL |
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| Total Assets | 373.64M | |||
| Total Deposits | 324.07M | |||
| Capital and Reserves |
First Citizens Bank
Luverne, AL |
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| Capital | 42.17M | |||
| Leverage Ratio | 13.81 | |||
| Loan Loss Reserves to Loans | 1.62% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
First Citizens Bank
Luverne, AL |
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| Hot Money Ratio | 25.20% | |||
| Liquidity Ratio | 21.04% | |||
| Profitability |
First Citizens Bank
Luverne, AL |
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| 5-Year Return on Average Assets | 1.30% | |||
| Net Income | 1.46M | |||
| Net Interest Spread | 4.15% | |||
| Operating Profit to Average Assets | 2.03% | |||
| Overhead Efficiency Ratio | 50.87% | |||
| Return on Assets | 1.59% | |||
| Return on Equity | 14.23% | |||