Vitals
  • Total Assets
    235.8M 3.3 %
  • Total Deposits
    192.2M 3.9 %
  • Total Net Loans
    118.6M 12.7 %
  • Net Income
    2.8M 17.7 %
  • Book Value
    29.1M 2.9 %
  • Book Value x2
    58.2M 2.9 %
  • Book Value x3
    87.3M 2.9 %
ROAA

1.196

ROAE

9.51

Efficiency Ratio

65.506

Net Interest Margin

4.067

Balance Sheet Highlights
Financial Highlights First Citizens Bank All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 235,792 266,812
Total Net Loans 118,567 157,006
Total Deposits 192,213 227,200
Total Equity 29,115 30,855
Profitability
Net Income 2,808 2,603
Return on Average Assets 1.196 .91
Return on Average Equity 9.51 7.525
Net Interest Margin 4.067 3.872
Efficiency Ratio 65.506 69.238
Noninterest Income/Revenue 15.438 15.218
Balance Sheet Ratios
Loan-to-Deposit 61.685 65.031
Securities/Assets .372 .23
Total Equity/Total Assets .123 .116
Tangible Equity/Tangible Assets .12 .114
Capital Adequacy
Tier 1 Common Capital 28,603 30,655
Tier 1 Capital 28,603 30,655
Tier 2 Capital 1,906 1,864
Total Capital 30,509 32,526
Total Risk Weighted Assets 152,161 184,216
Leverage Ratio 12.11 11.829
Common Equity Tier 1 Capital Ratio 18.8 18.757
Tier 1 Capital Ratio 18.8 18.762
Total Capital Ratio 20.05 19.824

Timeline for First Citizens Bank

First Lowndes Bank

Acquisition: First Citizens Bank acquired a new subsidiary, First Lowndes Bank, 14 years

View Profile Mar 20 2010

First Citizens Internet, Inc.

First Citizens Internet, Inc. became a new subsidiary organization for First Citizens Bank.

View Profile Apr 22 1997

First Citizens-Crenshaw Bancshares, Inc.

First Citizens-Crenshaw Bancshares, Inc. became a new parent organization for First Citizens Bank.

View Profile Aug 31 1987

First Citizens Bank

First Citizens Bank was established 43 years ago and is currently headquartered in Luverne, AL.

Jul 08 1980
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Lowndes Bank Seller 137,175 Failure 3/20/2010
Relationships Role Relationship Start Relationship End
First Citizens-Crenshaw Bancshares, Inc. Parent 8/31/1987
First Citizens Internet, Inc. Subsidary 4/22/1997 9/19/2001
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