| Weiss Ratings |
First Federal Bank
Lake City, FL |
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| Rating | ||||
| Asset Quality Index | 6.90 | |||
| Capitalization Index | 9.80 | |||
| Liquidity Index | 5.50 | |||
| Profitability Index | 5.00 | |||
| Stability Index | 7.60 | |||
| 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 | 6.94% | |||
| 5-Year Asset Growth | 8.19% | |||
| 5-Year Charge-Offs to Average Loans | 0.02% | |||
| Charge-Offs to Average Loans | 0.11% | |||
| Non-Performing Assets to Assets | 0.25% | |||
| Non-Performing Loans to Capital | 3.04% | |||
| Non-Performing Loans to Loans | 0.77% | |||
| Balance Sheet |
First Federal Bank
Lake City, FL |
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| Total Assets | 4.49B | |||
| Total Deposits | 3.44B | |||
| Capital and Reserves |
First Federal Bank
Lake City, FL |
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| Capital | 465.83M | |||
| Leverage Ratio | 10.83 | |||
| Loan Loss Reserves to Loans | 0.76% | |||
| Risk-Based Capital Ratio | 21.06 | |||
| Liquidity |
First Federal Bank
Lake City, FL |
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| Hot Money Ratio | 6.10% | |||
| Liquidity Ratio | 30.22% | |||
| Profitability |
First Federal Bank
Lake City, FL |
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| 5-Year Return on Average Assets | 0.96% | |||
| Net Income | 26.21M | |||
| Net Interest Spread | 3.37% | |||
| Operating Profit to Average Assets | 1.46% | |||
| Overhead Efficiency Ratio | 66.69% | |||
| Return on Assets | 1.19% | |||
| Return on Equity | 11.66% | |||