|
 |
|
|
 First Citizens Bank
First Citizens Bank
| RSSD ID 541231 | CERTIFICATE 23152 | ABA NUMBER 62103217 |
| 100 W 3rd St |
Quarter Ended : |
2025-12-31 |
| Luverne, Alabama, 36049 |
Updated : |
2026-01-27 |
| www.fcbl.com |
|
| Institution Profile |
| Year Opened : |
1980 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
041 |
|
| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
5 |
Number of Employees : |
60 |
|
|
|
|
|
|
| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
|
Income Statement
(USD, in thousands, ytd) |
| Total Assets | 400,452 |
|
Total Interest Income | 20,498 |
| Total Liabilities | 351,645 |
|
Total NonInterest Income | 2,467 |
| Total Bank Equity Capital | 48,807 |
|
Total Interest Expense | 5,484 |
| Total Deposits | 342,271 |
|
Total NonInterest Expense | 9,315 |
| Net Loans & Leases | 221,046 |
|
Net Income | 6,013 |
| Loan Loss Allowance | 2,932 |
|
Net Charge Offs | 1,005 |
|
|
|
| Regulatory Capital |
|
Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
|
Total loans | 222,546 |
| Total assets for the leverage ratio | 394,859 |
|
Loans secured by real estate: | 153,700 |
| Tier 1 Leverage Ratio | 13.85 |
|
Commercial and industrial loans | 28,949 |
| Off Balance Sheet Exposures (%) | 7.63 |
|
Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 1.32 |
|
Loans to individuals - Other | 12,790 |
|
|
|
|
:· First Citizens Bank
