First Federal Savings and Loan Association
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Other Rating Factors:
Very Weak liquidity 0.3, driven by a liquidity ratio of 21.2 percent and a “hot money” ratio of 41.9 percent. A current level of 6.3 percent of nonperforming loans to core capital combined with 9.8 percent from a year earlier contributes to the Good asset quality (6.1).
Asset Mix:
Home mtgs (70%), cash (19%), comm re (7%), consumer loans (0%), other (4%)
States with Branches:
WV
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
712 Washington Street
Ravenswood, WV 26164
Ravenswood, WV 26164
Phone Number
(304) 273-4212
Year Founded
1934
FDIC Number
Largest Affiliates
No affiliate information available.