| Weiss Ratings |
First Federal Bank
Lake City, FL |
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| Rating | ||||
| Asset Quality Index | 7.30 | |||
| Capitalization Index | 9.30 | |||
| Liquidity Index | 5.20 | |||
| Profitability Index | 4.40 | |||
| Stability Index | 7.70 | |||
| Company Info |
First Federal Bank
Lake City, FL |
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| FDIC Number | 31313 | |||
| Phone Number | (386) 755-0600 | |||
| Website | www.ffbf.com | |||
| Asset Quality |
First Federal Bank
Lake City, FL |
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| 1-Year Asset Growth | -1.04% | |||
| 5-Year Asset Growth | 15.09% | |||
| 5-Year Charge-Offs to Average Loans | 0.00% | |||
| Charge-Offs to Average Loans | 0.04% | |||
| Non-Performing Assets to Assets | 0.26% | |||
| Non-Performing Loans to Capital | 1.86% | |||
| Non-Performing Loans to Loans | 0.76% | |||
| Balance Sheet |
First Federal Bank
Lake City, FL |
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| Total Assets | 3.82B | |||
| Total Deposits | 3.33B | |||
| Capital and Reserves |
First Federal Bank
Lake City, FL |
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| Capital | 368.85M | |||
| Leverage Ratio | 10.50 | |||
| Loan Loss Reserves to Loans | 0.72% | |||
| Risk-Based Capital Ratio | 20.57 | |||
| Liquidity |
First Federal Bank
Lake City, FL |
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| Hot Money Ratio | 8.39% | |||
| Liquidity Ratio | 37.62% | |||
| Profitability |
First Federal Bank
Lake City, FL |
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| 5-Year Return on Average Assets | 1.40% | |||
| Net Income | 38.35M | |||
| Net Interest Spread | 3.00% | |||
| Operating Profit to Average Assets | 1.13% | |||
| Overhead Efficiency Ratio | 71.05% | |||
| Return on Assets | 0.91% | |||
| Return on Equity | 11.23% | |||