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Community First Bank & Trust

Columbia, TN · Cert 35165

FDIC · 7 branches

Q4 2017

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: Q4 2017, the quarter ended December 31, 2017, 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 & Trust

Columbia, TN · Cert 35165

FDIC · 7 branches

Q4 2017

$476.5MAssets
$321.0MLoans
$433.3MDeposits
$40.1MEquity
Loan mix
91%RE $226.9M7%C&I $16.7M3%Consumer $6.4MQ4 2016Q4 2017
Deposit mix
81%Interest-bearing $352.0M19%Noninterest $81.3MQ4 2016Q4 2017

NIM

3.73%Q4 ’153.68%Q4 ’163.73%Q4 ’17-1%+1%

Non-interest income vs. expense

2.95%Q4 ’152.87%Q4 ’162.78%Q4 ’17-7%+2%

Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2017 SOD (annual) · 0.7% share · #21 of 64 inst. · $0.4B of $57.4B

18.3% Maury
53.2% Hickman
0.3% Williamson

Executive Summary

  • Earnings: ROA of 0.30%, down 41 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.93% of loans (+93 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 7.85%, down 106 bps from a year ago.
  • Funding: loans stand at 74.08% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

0.30%-41 bps YoY

Net Interest Margin (YTD, annualized)

3.32%+3 bps YoY

Efficiency Ratio (YTD, annualized)

74.54%-2 bps YoY

Tier 1 Leverage Ratio

7.85%-106 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets0.71%0.58%0.67%0.71%0.30%-41 bps
Return on Equity7.01%6.11%6.99%7.26%3.18%-383 bps
Net Interest Margin3.29%3.37%3.31%3.34%3.32%+3 bps
Efficiency Ratio74.56%73.69%70.25%69.22%74.54%-2 bps
Non-Interest Burden2.32%2.41%2.21%2.20%2.38%+5 bps
Growth
Asset Growth (YoY)0.79%2.23%0.38%0.17%1.09%+30 bps
Loan Growth (YoY)19.43%8.96%3.57%4.41%1.57%-1,786 bps
Deposit Growth (YoY)1.45%3.27%1.18%0.94%2.24%+79 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.41%0.47%0.45%0.93%+93 bps
Net Charge-Offs / Loans-0.04%0.00%0.07%-0.03%-0.03%+1 bps
Allowance / Loans1.19%1.21%1.20%1.23%1.21%+2 bps
Allowance Coverage of NPLsn/a2.9x2.6x2.8x1.3xn/a
Capital
Tier 1 Leverage Ratio8.91%9.05%9.15%9.41%7.85%-106 bps
Total Risk-Based Capital13.79%13.99%14.39%14.59%12.40%-138 bps
Equity / Assets9.53%9.60%9.80%9.95%8.42%-110 bps
Liquidity & Funding
Loans / Deposits74.57%73.06%72.23%74.67%74.08%-49 bps
Liquid Assets / Assets9.63%10.69%12.35%10.34%10.99%+136 bps
CRE / Total Capitaln/an/an/an/an/an/an/a