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Community First Bank - Chicago

Chicago, IL · Cert 57948

FDIC

Q4 2010

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 2010, the quarter ended December 31, 2010, 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 - Chicago

Chicago, IL · Cert 57948

FDIC

Q4 2010

$51.1MAssets
$33.9MLoans
$49.5MDeposits
$1.3MEquity
Loan mix
92%RE $27.4M8%C&I $2.5M0%Consumer $0.0MQ4 2009Q4 2010
Deposit mix
93%Interest-bearing $46.1M7%Noninterest $3.4MQ4 2009Q4 2010

NIM

5.33%Q4 ’084.65%Q4 ’094.00%Q4 ’10+6%+12%

Non-interest income vs. expense

4.07%Q4 ’084.69%Q4 ’095.84%Q4 ’10+15%+25%

Executive Summary

  • Earnings: ROA of -3.05%, up 383 bps year over year; NIM at 2.63%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.69%.
  • Funding: loans stand at 68.44% of deposits as of Q4 2010.

Financial Results

Return on Assets (YTD, annualized)

-3.05%+383 bps YoY

Net Interest Margin (YTD, annualized)

2.63%+29 bps YoY

Efficiency Ratio (YTD, annualized)

214%+2,289 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets-6.89%-2.05%-2.63%-3.11%-3.05%+383 bps
Return on Equity-80.34%-40.79%-57.51%-74.69%-79.03%+131 bps
Net Interest Margin2.34%2.64%2.49%2.53%2.63%+29 bps
Efficiency Ratio191.20%174.75%206%221%214%+2,289 bps
Non-Interest Burden4.58%4.70%5.08%5.62%5.75%+117 bps
Growth
Asset Growth (YoY)-11.65%-7.93%-1.46%-5.32%-8.79%+285 bps
Loan Growth (YoY)-13.25%-9.76%-12.92%-8.98%-15.50%-225 bps
Deposit Growth (YoY)-4.27%4.52%11.68%4.41%-5.83%-157 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.62%0.00%1.62%1.22%1.69%-92 bps
Allowance / Loans6.36%6.36%6.25%6.39%6.20%-16 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 Capital7.22%6.63%5.96%4.78%4.06%-316 bps
Equity / Assets5.50%4.60%3.68%2.90%2.49%-302 bps
Liquidity & Funding
Loans / Deposits76.27%71.40%65.21%66.64%68.44%-783 bps
Liquid Assets / Assets0.35%0.33%0.16%0.17%0.19%-16 bps
CRE / Total Capitaln/an/an/an/an/an/an/a