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Community First Bank, Performance and Condition Ratios
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5433% | 4,369 |
| Cost of funding earning assets | 3.1062% | 344 |
| Net interest margin | 2.4371% | 7,541 |
| Noninterest income to average assets | 0.2180% | 6,745 |
| Noninterest expense to average assets | 5.2532% | 439 |
| Loan and lease loss provision to assets | 10.1893% | 30 |
| Net operating income to assets | -15.0299% | 8,161 |
| Return on assets (ROA) | -14.9190% | 8,157 |
| Pretax return on assets | -13.1112% | 8,145 |
| Return on Equity (ROE) | -494.6392% | 8,182 |
| Retained earnings to average equity (ytd only) | -494.6392% | 8,182 |
| Net charge-offs to loans | 9.3942% | 65 |
| Credit loss provision to net charge-offs | 151.3295% | 3,044 |
| Earnings coverage of net charge-offs (x) | -0.4504% | 6,048 |
| Efficiency ratio | 236.5907% | 135 |
| Assets per employee ($millions) | 2.2932% | 7,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0402% | 126 |
| Loan loss allowance to noncurrent loans | 41.0054% | 5,634 |
| Noncurrent assets plus other real estate owned to assets | 14.7383% | 106 |
| Noncurrent loans to loans | 12.2916% | 211 |
| Net loans and leases to total assets | 67.2464% | 4,303 |
| Net loans and leases to deposits | 74.2494% | 5,417 |
| Net loans and leases to core deposits | 94.4297% | 5,067 |
| Total domestic deposits to total assets | 90.5683% | 604 |
| Equity capital to assets | -0.4722% | 8,174 |
| Core capital (leverage) ratio | -0.5584% | 8,177 |
| Tier 1 risk-based capital ratio | -0.6911% | 8,177 |
| Total risk-based capital ratio | -0.6911% | 8,177 |
| Memoranda: | ||
| Average total assets | $205,549,670 | 3,157 |
| Average earning assets | $168,889,670 | 3,412 |
| Average equity | $6,199,670 | 6,646 |
| Average total loans | $147,324,330 | 3,027 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7507% | 3,527 |
| Cost of funding earning assets | 3.1593% | 388 |
| Net interest margin | 2.5914% | 7,381 |
| Noninterest income to average assets | -1.0490% | 8,215 |
| Noninterest expense to average assets | 5.1129% | 447 |
| Loan and lease loss provision to assets | 20.0834% | 8 |
| Net operating income to assets | -17.9019% | 8,216 |
| Return on assets (ROA) | -17.7954% | 8,211 |
| Pretax return on assets | -23.9746% | 8,222 |
| Return on Equity (ROE) | -379.8782% | 8,226 |
| Retained earnings to average equity (ytd only) | -379.8782% | 8,226 |
| Net charge-offs to loans | 12.8478% | 34 |
| Credit loss provision to net charge-offs | 216.8565% | 2,081 |
| Earnings coverage of net charge-offs (x) | -0.4357% | 5,230 |
| Efficiency ratio | 474.3772% | 43 |
| Assets per employee ($millions) | 2.3359% | 7,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2632% | 57 |
| Loan loss allowance to noncurrent loans | 61.9961% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 11.6414% | 157 |
| Noncurrent loans to loans | 10.1025% | 282 |
| Net loans and leases to total assets | 67.0704% | 4,327 |
| Net loans and leases to deposits | 77.4085% | 5,026 |
| Net loans and leases to core deposits | 97.4987% | 4,800 |
| Total domestic deposits to total assets | 86.6448% | 2,386 |
| Equity capital to assets | 2.5199% | 8,208 |
| Core capital (leverage) ratio | 2.3832% | 8,213 |
| Tier 1 risk-based capital ratio | 3.0736% | 8,213 |
| Total risk-based capital ratio | 4.3787% | 8,214 |
| Memoranda: | ||
| Average total assets | $208,570,500 | 3,131 |
| Average earning assets | $171,178,500 | 3,405 |
| Average equity | $9,770,500 | 5,456 |
| Average total loans | $150,345,000 | 3,002 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7628% | 1,814 |
| Cost of funding earning assets | 3.0549% | 1,661 |
| Net interest margin | 3.7079% | 4,440 |
| Noninterest income to average assets | 1.0028% | 1,566 |
| Noninterest expense to average assets | 4.5561% | 840 |
| Loan and lease loss provision to assets | 4.6462% | 127 |
| Net operating income to assets | -2.9950% | 7,826 |
| Return on assets (ROA) | -2.9880% | 7,793 |
| Pretax return on assets | -4.9624% | 8,024 |
| Return on Equity (ROE) | -37.1753% | 8,047 |
| Retained earnings to average equity (ytd only) | -37.1753% | 8,010 |
| Net charge-offs to loans | 5.0586% | 99 |
| Credit loss provision to net charge-offs | 118.8413% | 4,536 |
| Earnings coverage of net charge-offs (x) | -0.0836% | 6,311 |
| Efficiency ratio | 107.7326% | 763 |
| Assets per employee ($millions) | 2.2509% | 7,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3234% | 828 |
| Loan loss allowance to noncurrent loans | 47.7203% | 5,627 |
| Noncurrent assets plus other real estate owned to assets | 9.0712% | 220 |
| Noncurrent loans to loans | 4.8689% | 924 |
| Net loans and leases to total assets | 70.9133% | 3,806 |
| Net loans and leases to deposits | 85.8730% | 4,136 |
| Net loans and leases to core deposits | 106.1441% | 4,181 |
| Total domestic deposits to total assets | 82.5792% | 3,958 |
| Equity capital to assets | 6.7875% | 7,837 |
| Core capital (leverage) ratio | 6.6844% | 7,864 |
| Tier 1 risk-based capital ratio | 8.1596% | 8,056 |
| Total risk-based capital ratio | 9.4196% | 8,097 |
| Memoranda: | ||
| Average total assets | $211,913,200 | 2,983 |
| Average earning assets | $184,390,200 | 3,127 |
| Average equity | $17,032,800 | 3,733 |
| Average total loans | $163,780,000 | 2,719 |