First Federal Savings Bank of Lincolnton
Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (3.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 35.1 and a capital leverage ratio of 17.2. A current level of 0.8 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (9.8).
Asset Mix:
Home mtgs (56%), securities (18%), cash (7%), comm re (6%), home eq lns (5%), comm loans (1%), consumer loans (0%), other (8%)
States with Branches:
NC
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
320 East Main Street
Lincolnton, NC 28092
Lincolnton, NC 28092
Phone Number
(704) 735-0416
Year Founded
1940
FDIC Number
Website
Largest Affiliates
No affiliate information available.