Community First Bank (MO)

Community First Bank (MO) is headquartered in Butler and is the 140^th largest bank in the state of Missouri. It is also the 3,887^th largest bank in the nation. It was established in 1932 and as of September of 2011, it had grown to 40 employees at 3 locations. Community First Bank (MO) has a 3-star health rating.

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Data for Q3 2011

Institution Statistics Community First Bank FDIC Certificate # 10595 BankRate Report View Year Established 1932 Employees 40 Primary Regulator FDIC Assets and Liabilities Assets $147.65 million Loans $116.28 million Deposits $124.85 million Equity Capital $13.92 million Loan Loss Allowance $1.30 million Unbacked Noncurrent Loans $3.28 million Real Estate Owned $682,000 Historic Data - September 2010 Assets $160.35 million Equity Capital $13.82 million Loan Loss Allowance $1.37 million Unbacked Noncurrent Loans $1.63 million Real Estate Owned $1.97 million Profit Margin - Quarterly Net Interest Margin 4.01% Return on Assets 1.74% Return on Equity 19.55% Interest Income $5.70 million

Institution Health Overall Score: 3 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 September 30, 2011 Community First Bank (MO) had $3.97 million in non-current loans and owned real-estate with $15.22 million in equity and loan loss allowances on hand to cover it. This gives Community First Bank (MO) a Texas Ratio of 26.06% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Community First Bank (MO) decreased slightly from 34.29% as of September 30, 2010 to 26.06% as of September 30, 2011, resulting in a positive change of 24.00%.This indicates that the balance sheet and financial strength for Community First Bank (MO) has improved slightly in recent periods. Deposit Growth In the past year, Community First Bank (MO) has decreased its total deposits by -$13.12 million, resulting in -9.51% 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 Community First Bank (MO) has shown is poor. 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. Community First Bank (MO) has $147.65 million in assets with $15.22 million in equity, resulting in a capitalization level of 10.31%, which is above average.

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