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Community 1st Bank

Post Falls, ID · Cert 58576

FDIC · 3 branches

Q1 2019

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: Q1 2019, the quarter ended March 31, 2019, 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 1st Bank

Post Falls, ID · Cert 58576

FDIC · 3 branches

Q1 2019

$124.8MAssets
$80.1MLoans
$109.7MDeposits
$14.5MEquity
Loan mix
74%RE $51.6M24%C&I $17.0M2%Consumer $1.2MQ1 2018Q1 2019
Deposit mix
71%Interest-bearing $78.1M29%Noninterest $31.6MQ1 2018Q1 2019

NIM

3.80%Q1 ’173.93%Q1 ’184.57%Q1 ’19+4%+14%

Non-interest income vs. expense

3.08%Q1 ’172.77%Q1 ’183.35%Q1 ’19-13%+25%

Market Position · Coeur d'Alene, ID · 2018 SOD (annual) · 3.5% share · #7 of 15 inst. · $0.1B of $3.3B

Executive Summary

  • Earnings: ROA of 0.85%, up 3 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.67%, up 125 bps from a year ago.
  • Funding: loans stand at 72.98% of deposits as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

0.85%+3 bps YoY

Net Interest Margin (YTD, annualized)

4.22%+53 bps YoY

Efficiency Ratio (YTD, annualized)

74.63%+521 bps YoY

Tier 1 Leverage Ratio

11.67%+125 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets0.82%0.84%0.91%0.92%0.85%+3 bps
Return on Equity7.96%8.14%8.80%8.68%7.45%-51 bps
Net Interest Margin3.69%3.76%3.81%3.91%4.22%+53 bps
Efficiency Ratio69.42%69.33%67.41%68.54%74.63%+521 bps
Non-Interest Burden2.47%2.52%2.48%2.59%3.08%+61 bps
Growth
Asset Growth (YoY)13.21%12.31%7.46%1.52%-3.26%-1,647 bps
Loan Growth (YoY)17.71%9.34%1.12%6.58%5.23%-1,249 bps
Deposit Growth (YoY)13.22%12.31%7.25%0.53%-4.82%-1,804 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.00%0.00%0 bps
Allowance / Loans1.43%1.44%1.49%1.47%1.50%+6 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.42%10.52%10.61%10.89%11.67%+125 bps
Total Risk-Based Capital17.71%17.80%18.30%18.87%19.52%+181 bps
Equity / Assets10.21%10.38%10.34%11.33%11.63%+143 bps
Liquidity & Funding
Loans / Deposits66.01%67.76%66.92%73.67%72.98%+697 bps
Liquid Assets / Assets31.83%30.33%30.97%25.10%26.37%-546 bps
CRE / Total Capitaln/an/an/an/an/an/an/a