| Weiss Ratings |
First Federal Bank
Lake City, FL |
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| Rating | ||||
| Asset Quality Index | 7.30 | |||
| Capitalization Index | 9.70 | |||
| Liquidity Index | 5.70 | |||
| Profitability Index | 4.40 | |||
| Stability Index | 8.20 | |||
| 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 | 0.23% | |||
| 5-Year Asset Growth | 15.09% | |||
| 5-Year Charge-Offs to Average Loans | 0.00% | |||
| Charge-Offs to Average Loans | 0.07% | |||
| Non-Performing Assets to Assets | 0.14% | |||
| Non-Performing Loans to Capital | 2.58% | |||
| Non-Performing Loans to Loans | 0.44% | |||
| Balance Sheet |
First Federal Bank
Lake City, FL |
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| Total Assets | 4.19B | |||
| Total Deposits | 3.21B | |||
| Capital and Reserves |
First Federal Bank
Lake City, FL |
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| Capital | 397.11M | |||
| Leverage Ratio | 10.77 | |||
| Loan Loss Reserves to Loans | 0.67% | |||
| Risk-Based Capital Ratio | 20.78 | |||
| Liquidity |
First Federal Bank
Lake City, FL |
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| Hot Money Ratio | 7.42% | |||
| Liquidity Ratio | 31.59% | |||
| Profitability |
First Federal Bank
Lake City, FL |
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| 5-Year Return on Average Assets | 1.31% | |||
| Net Income | 20.48M | |||
| Net Interest Spread | 3.06% | |||
| Operating Profit to Average Assets | 1.26% | |||
| Overhead Efficiency Ratio | 68.38% | |||
| Return on Assets | 0.98% | |||
| Return on Equity | 10.67% | |||