First Federal Savings and Loan Association
Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Weak (1.8) profitability. 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:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a risk-based capital ratio of 23.8 and a capital leverage ratio of 10.1. A current level of 7.6 percent of nonperforming loans to core capital combined with 10.2 percent from a year earlier contributes to the Good asset quality (6.8).
Asset Mix:
Home mtgs (64%), cash (26%), comm re (6%), 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
No affiliate information available.