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Community First Bank

Pikesville, MD · Cert 34614

FDIC

Q3 2013

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 2013, the quarter ended September 30, 2013, 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

Pikesville, MD · Cert 34614

FDIC

Q3 2013

$212KAssets
n/aLoans
n/aDeposits
$-25KEquity
Loan mix
91%RE $6.8M9%C&I $0.7M0%Consumer $0.0MQ3 2012Q3 2013
Deposit mix
0%Interest-bearing $0100%Noninterest $0Q3 2012Q3 2013

NIM

5.27%Q1 ’128.07%Q3 ’12154.67%Q3 ’13+55%+1697%

Non-interest income vs. expense

7.68%Q1 ’1214.08%Q3 ’12241%Q3 ’13+115%+2037%

Executive Summary

  • Earnings: ROA of -10.54%, down 721 bps year over year; NIM at 130.96%.

Financial Results

Return on Assets (YTD, annualized)

-10.54%-721 bps YoY

Net Interest Margin (YTD, annualized)

130.96%+12,368 bps YoY

Efficiency Ratio (YTD, annualized)

221%+6,555 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets-3.33%-4.76%-15.53%-11.14%-10.54%-721 bps
Return on Equityn/an/a-26.06%n/an/an/an/a
Net Interest Margin7.29%13.19%5.76%6.56%130.96%+12,368 bps
Efficiency Ratio155.10%178.65%409%204%221%+6,555 bps
Non-Interest Burden12.29%25.18%17.23%12.28%263%+25,023 bps
Growth
Asset Growth (YoY)-71.22%-78.20%-80.52%-99.05%-98.48%-2,726 bps
Loan Growth (YoY)-54.14%-59.00%-69.09%-100.00%-100.00%-4,586 bps
Deposit Growth (YoY)-84.65%-98.55%-98.07%-100.00%-100.00%-1,535 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%n/an/an/a
Net Charge-Offs / Loans0.98%0.94%1.47%0.42%n/an/a
Allowance / Loans5.88%7.54%10.21%n/an/an/a
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 Capital42.87%55.37%73.72%0.00%-192.31%-23,518 bps
Equity / Assets41.35%52.27%70.01%0.00%-11.79%-5,315 bps
Liquidity & Funding
Loans / Deposits209%1799%1287%n/an/an/a
Liquid Assets / Assets5.47%1.59%0.87%1.69%1.89%-358 bps
CRE / Total Capitaln/an/an/an/an/an/an/a