Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (1.9) profitability.
Other Rating Factors:
Excellent current capitalization (7.5 on a scale of 0 to 10) based on a risk-based capital ratio of 16.8 and a capital leverage ratio of 9.4. A current level of 5.9 percent of nonperforming loans to core capital combined with 3.8 percent from a year earlier contributes to the Good asset quality (6.5).
Asset Mix:
Home mtgs (44%), securities (18%), comm re (16%), cash (4%), comm loans (3%), home eq lns (3%), consumer loans (1%), other (11%)
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
First Federal Financial Corporation
Investment Rating
--
Address
Corporate Center
Dunn, NC 28334
Dunn, NC 28334
Phone Number
(910) 892-7187
Year Founded
1958
FDIC Number
Largest Affiliates
No affiliate information available.