Community First Bank (PA)

Community First Bank (PA) is headquartered in Reynoldsville and is the 176^th largest bank in the state of Pennsylvania. It is also the 5,180^th largest bank in the nation. It was established in 1893 and as of March of 2012, it had grown to 38 employees at 4 locations. Community First Bank (PA) has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Community First Bank FDIC Certificate # 7953 BankRate Report View Year Established 1893 Employees 38 Primary Regulator FDIC Assets and Liabilities Assets $91.35 million Loans $74.13 million Deposits $77.78 million Equity Capital $7.95 million Loan Loss Allowance $794,000 Unbacked Noncurrent Loans $1.19 million Real Estate Owned $588,000 Historic Data - March 2011 Assets $87.04 million Equity Capital $6.53 million Loan Loss Allowance $731,000 Unbacked Noncurrent Loans $1.29 million Real Estate Owned $104,000 Profit Margin - Quarterly Net Interest Margin 3.77% Return on Assets 0.45% Return on Equity 5.07% Interest Income $1.03 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 March 31, 2012 Community First Bank (PA) had $1.77 million in non-current loans and owned real-estate with $8.75 million in equity and loan loss allowances on hand to cover it. This gives Community First Bank (PA) a Texas Ratio of 20.27% 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 (PA) held steady from 19.19% as of March 31, 2011 to 20.27% as of March 31, 2012, resulting in a negative change of 5.64%. This indicates that the balance sheet and financial strength for Community First Bank (PA) has held steady in recent periods. Deposit Growth In the past year, Community First Bank (PA) has increased its total deposits by $3.44 million, resulting in 4.62% 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 (PA) has shown is above average. 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 (PA) has $91.35 million in assets with $8.75 million in equity, resulting in a capitalization level of 9.58%, which is average.

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