| Weiss Ratings |
First Federal Bank
Lake City, FL |
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| Rating | ||||
| Asset Quality Index | 6.70 | |||
| Capitalization Index | 9.90 | |||
| Liquidity Index | 5.40 | |||
| Profitability Index | 4.50 | |||
| Stability Index | 7.10 | |||
| 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 | 10.27% | |||
| 5-Year Asset Growth | 8.19% | |||
| 5-Year Charge-Offs to Average Loans | 0.02% | |||
| Charge-Offs to Average Loans | 0.17% | |||
| Non-Performing Assets to Assets | 0.28% | |||
| Non-Performing Loans to Capital | 3.41% | |||
| Non-Performing Loans to Loans | 0.89% | |||
| Balance Sheet |
First Federal Bank
Lake City, FL |
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| Total Assets | 4.38B | |||
| Total Deposits | 3.46B | |||
| Capital and Reserves |
First Federal Bank
Lake City, FL |
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| Capital | 443.58M | |||
| Leverage Ratio | 10.94 | |||
| Loan Loss Reserves to Loans | 0.79% | |||
| Risk-Based Capital Ratio | 21.55 | |||
| Liquidity |
First Federal Bank
Lake City, FL |
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| Hot Money Ratio | 5.52% | |||
| Liquidity Ratio | 28.09% | |||
| Profitability |
First Federal Bank
Lake City, FL |
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| 5-Year Return on Average Assets | 0.96% | |||
| Net Income | 13.26M | |||
| Net Interest Spread | 3.29% | |||
| Operating Profit to Average Assets | 1.52% | |||
| Overhead Efficiency Ratio | 65.91% | |||
| Return on Assets | 1.22% | |||
| Return on Equity | 11.93% | |||