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Community First Bank

Harrison, AR · Cert 34611

FDIC · 5 branches

Q3 2016

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: Q3 2016, the quarter ended September 30, 2016, 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

Harrison, AR · Cert 34611

FDIC · 5 branches

Q3 2016

$469.5MAssets
$364.6MLoans
$377.1MDeposits
$55.5MEquity
Loan mix
79%RE $253.3M13%C&I $42.3M8%Consumer $24.0MQ3 2015Q3 2016
Deposit mix
90%Interest-bearing $338.4M10%Noninterest $38.7MQ3 2015Q3 2016

NIM

4.82%Q3 ’144.78%Q3 ’154.69%Q3 ’160%-3%

Non-interest income vs. expense

3.05%Q3 ’142.97%Q3 ’153.42%Q3 ’16+0%+10%

Market Position · Fayetteville-Springdale-Rogers, AR-MO · 2016 SOD (annual) · 0.3% share · #30 of 40 inst. · $0.0B of $9.6B

29.1% Boone
16.2% Carroll
0.6% Benton

Executive Summary

  • Earnings: ROA of 1.16%, down 23 bps year over year; NIM at 4.20%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 11.54%, down 21 bps from a year ago.
  • Funding: loans stand at 96.68% of deposits as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

1.16%-23 bps YoY

Net Interest Margin (YTD, annualized)

4.20%-12 bps YoY

Efficiency Ratio (YTD, annualized)

66.56%+755 bps YoY

Tier 1 Leverage Ratio

11.54%-21 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets1.39%1.39%1.34%1.41%1.16%-23 bps
Return on Equity11.61%11.63%11.26%11.99%9.89%-172 bps
Net Interest Margin4.31%4.26%4.21%4.17%4.20%-12 bps
Efficiency Ratio59.01%59.47%60.06%59.01%66.56%+755 bps
Non-Interest Burden2.25%2.25%2.18%2.10%2.48%+23 bps
Growth
Asset Growth (YoY)-0.49%-3.59%0.11%5.86%1.83%+232 bps
Loan Growth (YoY)0.57%0.93%0.64%10.11%3.32%+275 bps
Deposit Growth (YoY)7.60%1.07%0.91%-2.18%-2.97%-1,057 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.16%0.28%0.10%-0.07%0.10%-6 bps
Allowance / Loans1.77%1.60%1.58%1.56%1.50%-26 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.75%11.89%12.04%11.58%11.54%-21 bps
Total Risk-Based Capital16.27%16.61%16.69%15.88%16.36%+9 bps
Equity / Assets11.72%11.82%11.92%11.54%11.83%+11 bps
Liquidity & Funding
Loans / Deposits90.79%89.59%90.65%98.00%96.68%+589 bps
Liquid Assets / Assets1.45%3.74%4.14%2.14%2.19%+74 bps
CRE / Total Capitaln/an/an/an/an/an/an/a