First Federal Bank, A FSB
Major Rating Factors:
Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.0 has resulted in Very Weak (0.4) profitability. Good current capitalization (5.9 on a scale of 0 to 10) based on a risk-based capital ratio of 13.4 and a capital leverage ratio of 7.9.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10). A current level of 5.3 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Good asset quality (6.5).
Asset Mix:
Home mtgs (75%), cash (8%), home eq lns (5%), securities (0%), comm loans (0%), consumer loans (0%), other (11%)
States with Branches:
AL
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
Southeastern Financial, Inc.
Investment Rating
--
Address
1300 McFarland Boulevard, NE
Tuscaloosa, AL 35406
Tuscaloosa, AL 35406
Phone Number
(205) 391-6700
Year Founded
1958
FDIC Number
Website
Largest Affiliates
No affiliate information available.