1st Federal Savings Bank of SC, Inc.
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 (4.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.5 has resulted in Weak (3.0) profitability.
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (9.4). Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 17.7 and a capital leverage ratio of 8.8.
Asset Mix:
Home mtgs (69%), securities (11%), cash (4%), home eq lns (3%), consumer loans (1%), comm re (1%), other (12%)
States with Branches:
SC
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 Carolina Bancshares, M.H.C.
Investment Rating
--
Address
300 Robertson Boulevard
Walterboro, SC 29488
Walterboro, SC 29488
Phone Number
(843) 549-2526
Year Founded
1962
FDIC Number
Website
Largest Affiliates
No affiliate information available.