Community First Bank & Trust

Community First Bank & Trust is headquartered in Columbia and is the 26^th largest bank in the state of Tennessee. It is also the 1,158^th largest bank in the nation. It was established in 1999 and as of March of 2012, it had grown to 136 employees at 11 locations. Community First Bank & Trust has a 1-star health rating.

Community First Bank & Trust Routing Number: 064108485

Data for Q1 2012

Institution Statistics Community First Bank & Trust FDIC Certificate # 35165 BankRate Report View Year Established 1999 Employees 136 Primary Regulator FDIC Assets and Liabilities Assets $582.71 million Loans $387.07 million Deposits $518.95 million Equity Capital $35.06 million Loan Loss Allowance $18.81 million Unbacked Noncurrent Loans $39.74 million Real Estate Owned $21.79 million Historic Data - March 2011 Assets $658.07 million Equity Capital $44.06 million Loan Loss Allowance $19.78 million Unbacked Noncurrent Loans $41.40 million Real Estate Owned $10.25 million Profit Margin - Quarterly Net Interest Margin 3.51% Return on Assets 1.37% Return on Equity 24.01% Interest Income $6.28 million

Institution Health Overall Score: 1 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 & Trust had $61.53 million in non-current loans and owned real-estate with $53.87 million in equity and loan loss allowances on hand to cover it. This gives Community First Bank & Trust a Texas Ratio of 114.22% which is poor. 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 & Trust increased slightly from 80.91% as of March 31, 2011 to 114.22% as of March 31, 2012, resulting in a negative change of 41.16%. This indicates that the balance sheet and financial strength for Community First Bank & Trust has declined slightly in recent periods. Deposit Growth In the past year, Community First Bank & Trust has decreased its total deposits by -$68.89 million, resulting in -11.72% 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 & Trust 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 & Trust has $582.71 million in assets with $53.87 million in equity, resulting in a capitalization level of 9.24%, which is average.

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