| Weiss Ratings |
First Community Bank of Cullman
Cullman, AL |
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| Rating | ||||
| Asset Quality Index | 7.60 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 1.00 | |||
| Profitability Index | 3.90 | |||
| Stability Index | 6.50 | |||
| Company Info |
First Community Bank of Cullman
Cullman, AL |
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| FDIC Number | 30166 | |||
| Phone Number | (256) 734-4863 | |||
| Website | www.fcbcullman.com | |||
| Asset Quality |
First Community Bank of Cullman
Cullman, AL |
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| 1-Year Asset Growth | -5.42% | |||
| 5-Year Asset Growth | -3.92% | |||
| 5-Year Charge-Offs to Average Loans | 0.05% | |||
| Charge-Offs to Average Loans | 0.06% | |||
| Non-Performing Assets to Assets | 0.21% | |||
| Non-Performing Loans to Capital | 1.55% | |||
| Non-Performing Loans to Loans | 0.26% | |||
| Balance Sheet |
First Community Bank of Cullman
Cullman, AL |
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| Total Assets | 103.57M | |||
| Total Deposits | 79.31M | |||
| Capital and Reserves |
First Community Bank of Cullman
Cullman, AL |
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| Capital | 12.86M | |||
| Leverage Ratio | 13.06 | |||
| Loan Loss Reserves to Loans | 1.04% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
First Community Bank of Cullman
Cullman, AL |
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| Hot Money Ratio | 24.37% | |||
| Liquidity Ratio | 12.13% | |||
| Profitability |
First Community Bank of Cullman
Cullman, AL |
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| 5-Year Return on Average Assets | 0.76% | |||
| Net Income | 674.00K | |||
| Net Interest Spread | 3.52% | |||
| Operating Profit to Average Assets | 0.83% | |||
| Overhead Efficiency Ratio | 90.67% | |||
| Return on Assets | 0.65% | |||
| Return on Equity | 5.13% | |||