First Federal Savings and Loan Association
Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.3 has resulted in Weak (2.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) based on a risk-based capital ratio of 24.1 and a capital leverage ratio of 10.4. A current level of 7.6 percent of nonperforming loans to core capital combined with 6.0 percent from a year earlier contributes to the Good asset quality (6.8).
Asset Mix:
Home mtgs (65%), cash (24%), comm re (7%), consumer loans (0%), other (3%)
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
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