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Community First Bank

Fairview Heights, IL · Cert 27393

FDIC · 1 branch

Q2 2015

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 2015, the quarter ended June 30, 2015, 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

Fairview Heights, IL · Cert 27393

FDIC · 1 branch

Q2 2015

$204.5MAssets
$171.3MLoans
$188.1MDeposits
$16.2MEquity
Loan mix
70%RE $110.0M29%C&I $46.0M1%Consumer $1.3MQ2 2014Q2 2015
Deposit mix
90%Interest-bearing $169.6M10%Noninterest $18.5MQ2 2014Q2 2015

NIM

4.17%Q2 ’134.13%Q2 ’143.83%Q2 ’15+1%-8%

Non-interest income vs. expense

2.17%Q2 ’132.20%Q2 ’142.03%Q2 ’15+4%-4%

Market Position · St. Louis, MO-IL · 2015 SOD (annual) · 0.2% share · #60 of 135 inst. · $0.2B of $89.9B

Executive Summary

  • Earnings: ROA of 1.10%, down 33 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.79%.
  • Capital: tier 1 leverage ratio of 7.50%.
  • Funding: loans stand at 91.05% of deposits as of Q2 2015.

Financial Results

Return on Assets (YTD, annualized)

1.10%-33 bps YoY

Net Interest Margin (YTD, annualized)

3.21%-28 bps YoY

Efficiency Ratio (YTD, annualized)

60.53%+156 bps YoY

Tier 1 Leverage Ratio

7.50%

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets1.43%1.44%1.44%1.39%1.10%-33 bps
Return on Equity10.26%10.31%10.26%9.78%9.08%-118 bps
Net Interest Margin3.49%3.46%3.45%3.30%3.21%-28 bps
Efficiency Ratio58.97%58.65%58.84%55.72%60.53%+156 bps
Non-Interest Burden1.96%1.94%1.94%1.74%1.88%-7 bps
Growth
Asset Growth (YoY)1.00%0.94%2.38%1.51%-2.53%-353 bps
Loan Growth (YoY)1.12%0.57%-1.53%0.05%0.51%-61 bps
Deposit Growth (YoY)0.50%-1.81%-0.08%-1.09%4.98%+447 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.00%0.24%0.08%0.79%+79 bps
Allowance / Loans1.78%1.79%1.57%1.60%1.31%-47 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/a14.36%7.50%n/a
Total Risk-Based Capital18.83%18.88%18.99%19.33%11.60%-723 bps
Equity / Assets13.96%14.15%14.11%14.23%7.91%-605 bps
Liquidity & Funding
Loans / Deposits95.10%98.27%96.91%96.16%91.05%-405 bps
Liquid Assets / Assets4.82%4.74%6.38%7.48%2.50%-232 bps
CRE / Total Capitaln/an/an/an/an/an/an/a