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 First Citizens Bank
First Citizens Bank
| RSSD ID 541231 | CERTIFICATE 23152 | ABA NUMBER 62103217 |
| 100 W 3rd St |
Quarter Ended : |
2025-03-31 |
| Luverne, Alabama, 36049 |
Updated : |
2025-04-15 |
| www.fcbl.com |
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| 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 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
5 |
Number of Employees : |
60 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 373,643 |
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Total Interest Income | 4,866 |
| Total Liabilities | 331,478 |
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Total NonInterest Income | 511 |
| Total Bank Equity Capital | 42,165 |
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Total Interest Expense | 1,345 |
| Total Deposits | 324,070 |
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Total NonInterest Expense | 2,051 |
| Net Loans & Leases | 210,359 |
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Net Income | 1,459 |
| Loan Loss Allowance | 3,458 |
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Net Charge Offs | 30 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 213,653 |
| Total assets for the leverage ratio | 367,683 |
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Loans secured by real estate: | 144,759 |
| Tier 1 Leverage Ratio | 13.81 |
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Commercial and industrial loans | 29,021 |
| Off Balance Sheet Exposures (%) | 7.4 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 14,107 |
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:· First Citizens Bank
