First Federal Bank, A FSB
Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Weak (2.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.1 percent of nonperforming loans to core capital combined with 4.0 percent from a year earlier contributes to the Excellent asset quality (7.2). Good current capitalization (5.8 on a scale of 0 to 10) based on a risk-based capital ratio of 13.7 and a capital leverage ratio of 7.8.
Asset Mix:
Home mtgs (74%), cash (8%), home eq lns (7%), securities (0%), other (10%)
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
There are no affiliate to display.