First Citizens Bank
Talladega, AL — Domestic Branch of a Domestic Bank
Acquired May 2005
Vitals
-
Total Assets105.5M -7.0 %
-
Total Deposits87.8M 1.7 %
-
Total Net Loans48.4M 1.3 %
-
Net Income479000.0000 -4.4 %
-
Book Value7.9M 1.4 %
-
Book Value x215.8M 1.4 %
-
Book Value x323.6M 1.4 %
Balance Sheet Highlights
| Financial Highlights | First Citizens Bank | All Insured Commercial Banks in Alabama |
| Balance Sheet $(000) | ||
| Total Assets | 105,485 | 172,209 |
| Total Net Loans | 48,365 | 111,750 |
| Total Deposits | 87,839 | 138,482 |
| Total Equity | 7,880 | 17,119 |
| Profitability | ||
| Net Income | 479 | 640 |
| Return on Average Assets | 1.808 | 1.263 |
| Return on Average Equity | 23.91 | 12.337 |
| Net Interest Margin | 4.284 | 4.181 |
| Efficiency Ratio | 45.74 | 59.254 |
| Noninterest Income/Revenue | 14.471 | 12.333 |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 55.061 | 71.668 |
| Securities/Assets | .413 | 1.517 |
| Total Equity/Total Assets | .075 | .099 |
| Tangible Equity/Tangible Assets | .074 | -.309 |
| Capital Adequacy | ||
| Tier 1 Common Capital | — | — |
| Tier 1 Capital | 8,080 | 16,816 |
| Tier 2 Capital | 617 | 1,420 |
| Total Capital | 8,697 | 18,137 |
| Total Risk Weighted Assets | 53,511 | 118,762 |
| Leverage Ratio | 7.63 | 10.584 |
| Common Equity Tier 1 Capital Ratio | — | — |
| Tier 1 Capital Ratio | 15.1 | 16.675 |
| Total Capital Ratio | 16.25 | 17.794 |
Timeline for First Citizens Bank
First American Bank
First Citizens Bank was acquired by First American Bank 19 years
View Profile May 21 2005
Fcb Investments, Inc.
Fcb Investments, Inc. became a new subsidiary organization for First Citizens Bank.
View Profile Jul 20 1999
Citizens Bank Of Talladega
Acquisition: First Citizens Bank acquired a new subsidiary, Citizens Bank Of Talladega, 26 years
View Profile Dec 13 1997
Clay County Finance Company, Inc.
Clay County Finance Company, Inc. became a new subsidiary organization for First Citizens Bank.
View Profile Mar 31 1994
Alabama National Bancorporation
Alabama National Bancorporation became a new parent organization for First Citizens Bank.
View Profile Jan 01 1987
| Acquisitions & Mergers | Role | Assets | Acct Method | Type | Transaction Date |
| First American Bank | Buyer | 3,600,764 | Pooling of Interests | Discontinued | 5/21/2005 |
| Citizens Bank Of Talladega | Seller | 49,972 | Pooling of Interests | Discontinued | 12/13/1997 |
| Relationships | Role | Relationship Start | Relationship End |
| Alabama National Bancorporation | Parent | 1/1/1987 | 5/20/2005 |
| First United Corporation | Parent | 1/1/1985 | 12/31/1986 |
| Ashland Capital Corporation, Inc. | Parent | 8/17/1981 | 12/31/1984 |
| Clay County Finance Company, Inc. | Subsidary | 3/31/1994 | 5/20/2005 |
| Fcb Investments, Inc. | Subsidary | 7/20/1999 | 5/20/2005 |
Similar Organizations
| Organization | City | State | Total Assets |
|---|---|---|---|
|
Bank Of Prairie Village
|
Prairie Village | KS | 105.8M |
|
Whitesville State Bank
|
Whitesville | WV | 105.8M |
|
Peoples State Bank
|
Shepherd | TX | 105.9M |
|
De Witt Bank And Trust Company
|
De Witt | AR | 106.2M |
|
Civis Bank
|
Rogersville | TN | 106.3M |
|
United Citizens Bank & Trust Company
|
Campbellsburg | KY | 106.4M |
|
Redstone Bank
|
Centennial | CO | 104.5M |
|
Holmes County Bank & Trust Company
|
Lexington | MS | 106.7M |
|
Farmers State Bank
|
Algona | IA | 104.0M |
|
Community Pride Bank
|
Isanti | MN | 107.0M |