City First Bank of D.C., National Association

City First Bank of D.C., National Association is headquartered in Washington and is the 4^th largest bank in the state of District of Columbia. It is also the 3,555^th largest bank in the nation. It was established in 1998 and as of March of 2012, it had grown to 31 employees at 1 location. City First Bank of D.C., National Association's savings rates are 4X the national average, and it boasts a 5-star health rating.

City First Bank of D.C., National Association Checking Account Rates

City First Bank of D.C., National Association Savings Account Rates

City First Bank of D.C., National Association Money Market Rates

City First Bank of D.C., National Association CD Rates

Data for Q1 2012

Institution Statistics City First Bank of D.C., National Association FDIC Certificate # 34352 BankRate Report View Year Established 1998 Employees 31 Primary Regulator OCC Assets and Liabilities Assets $168.86 million Loans $114.70 million Deposits $137.21 million Equity Capital $27.81 million Loan Loss Allowance $3.95 million Unbacked Noncurrent Loans $4.28 million Historic Data - March 2011 Assets $154.90 million Equity Capital $26.87 million Loan Loss Allowance $3.04 million Unbacked Noncurrent Loans $4.83 million Real Estate Owned $37,000 Profit Margin - Quarterly Net Interest Margin 4.89% Return on Assets 0.31% Return on Equity 1.9% Interest Income $2.05 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 City First Bank of D.C., National Association had $4.28 million in non-current loans and owned real-estate with $31.76 million in equity and loan loss allowances on hand to cover it. This gives City First Bank of D.C., National Association a Texas Ratio of 13.48% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for City First Bank of D.C., National Association decreased slightly from 16.52% as of March 31, 2011 to 13.48% as of March 31, 2012, resulting in a positive change of 18.38%.This indicates that the balance sheet and financial strength for City First Bank of D.C., National Association has improved slightly in recent periods. Deposit Growth In the past year, City First Bank of D.C., National Association has increased its total deposits by $17.46 million, resulting in 14.58% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth City First Bank of D.C., National Association has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. City First Bank of D.C., National Association has $168.86 million in assets with $31.76 million in equity, resulting in a capitalization level of 18.81%, which is excellent.

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