PackageTrendsPeer
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Community First Bank

Prineville, OR · Cert 23268

FDIC

Q2 2009

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2009, the quarter ended June 30, 2009, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Community First Bank

Prineville, OR · Cert 23268

FDIC

Q2 2009

$199.5MAssets
$141.3MLoans
$180.7MDeposits
$-942KEquity
Loan mix
82%RE $83.1M17%C&I $17.3M1%Consumer $1.4MQ2 2008Q2 2009
Deposit mix
84%Interest-bearing $152.6M16%Noninterest $28.1MQ2 2008Q2 2009

NIM

7.49%Q2 ’076.39%Q2 ’084.76%Q2 ’09-20%-44%

Non-interest income vs. expense

3.86%Q2 ’074.34%Q2 ’085.49%Q2 ’09+19%+55%

Executive Summary

  • Earnings: ROA of -14.92%, down 1,489 bps year over year; NIM at 2.09%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 9.80%.
  • Funding: loans stand at 78.19% of deposits as of Q2 2009.

Financial Results

Return on Assets (YTD, annualized)

-14.92%-1,489 bps YoY

Net Interest Margin (YTD, annualized)

2.09%-161 bps YoY

Efficiency Ratio (YTD, annualized)

237%+14,316 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets-0.03%-3.72%-2.99%-17.80%-14.92%-1,489 bps
Return on Equity-0.28%-44.59%-37.18%-380%-495%-49,436 bps
Net Interest Margin3.70%3.42%3.21%2.13%2.09%-161 bps
Efficiency Ratio93.43%100.66%107.73%474%237%+14,316 bps
Non-Interest Burden3.40%3.45%3.54%6.18%5.26%+186 bps
Growth
Asset Growth (YoY)10.77%8.07%1.43%-2.35%-7.58%-1,835 bps
Loan Growth (YoY)8.22%1.35%-8.10%-13.47%-16.67%-2,489 bps
Deposit Growth (YoY)11.82%12.43%8.02%10.14%6.99%-483 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.22%5.41%5.39%13.13%9.80%+958 bps
Allowance / Loans1.40%3.38%2.32%6.26%5.04%+364 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 Capital11.81%9.05%9.42%4.38%-0.69%-1,250 bps
Equity / Assets8.74%6.35%6.79%2.52%-0.47%-921 bps
Liquidity & Funding
Loans / Deposits100.39%91.58%87.92%82.58%78.19%-2,220 bps
Liquid Assets / Assets2.26%0.27%0.05%3.61%6.63%+436 bps
CRE / Total Capitaln/an/an/an/an/an/an/a