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Community First Bank & Trust

Celina, OH · Cert 10660

FDIC

Q2 2005

$928.5MAssets
$696.6MLoans
$715.9MDeposits
$104.4MEquity
Loan mix
79%RE $337.6M19%C&I $82.7M1%Consumer $5.5MQ2 2004Q2 2005
Deposit mix
85%Interest-bearing $610.5M15%Noninterest $105.4MQ2 2004Q2 2005

NIM

5.42%Q2 ’035.01%Q2 ’045.33%Q2 ’05+1%+6%

Non-interest income vs. expense

3.27%Q2 ’033.63%Q2 ’043.49%Q2 ’05+16%-17%

Executive Summary

  • Earnings: ROA of 1.15%, up 48 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.12%.
  • Funding: loans stand at 97.31% of deposits as of Q2 2005.

Financial Results

Return on Assets (quarter, annualized)

1.15%+48 bps YoY

Net Interest Margin (quarter, annualized)

3.97%+22 bps YoY

Efficiency Ratio (quarter, annualized)

65.82%-988 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets0.67%1.77%1.51%0.88%1.15%+48 bps
Return on Equity5.84%15.79%13.51%7.79%10.24%+440 bps
Net Interest Margin3.75%5.84%3.89%3.95%3.97%+22 bps
Efficiency Ratio75.69%68.75%70.57%74.13%65.82%-988 bps
Non-Interest Burden2.71%3.45%2.51%2.72%2.26%-45 bps
Growth
Asset Growth (YoY)-7.53%27.55%25.13%39.31%41.73%+4,926 bps
Loan Growth (YoY)-7.48%33.55%37.86%49.91%46.33%+5,381 bps
Deposit Growth (YoY)-10.28%23.56%24.49%44.97%48.73%+5,901 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.12%0.32%0.22%0.16%0.12%0 bps
Allowance / Loans2.37%2.13%1.80%1.76%1.74%-63 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital15.57%14.92%15.16%15.52%15.44%-14 bps
Equity / Assets11.42%11.04%11.35%11.18%11.25%-18 bps
Liquidity & Funding
Loans / Deposits98.90%102.33%100.66%97.73%97.31%-159 bps
Liquid Assets / Assets0.05%0.18%0.16%0.15%0.14%+9 bps
CRE / Total Capitaln/an/an/an/an/an/an/a