Community First Bank

Community First Bank is headquartered in Harrison and is the 21^st largest bank in the state of Arkansas. It is also the 1,309^th largest bank in the nation. It was established in 1997 and as of March of 2012, it had grown to 133 employees at 5 locations. Community First Bank's savings rates are 6X the national average, and it has a 4-star health rating.

Community First Bank Routing Number: 082908599

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Data for Q1 2012

Institution Statistics Community First Bank FDIC Certificate # 34611 BankRate Report View Year Established 1997 Employees 133 Primary Regulator FDIC Assets and Liabilities Assets $517.47 million Loans $339.53 million Deposits $385.83 million Equity Capital $57.18 million Loan Loss Allowance $6.91 million Unbacked Noncurrent Loans $9.52 million Real Estate Owned $9.29 million Historic Data - March 2011 Assets $533.12 million Equity Capital $51.56 million Loan Loss Allowance $7.09 million Unbacked Noncurrent Loans $11.00 million Real Estate Owned $12.67 million Profit Margin - Quarterly Net Interest Margin 4.31% Return on Assets 0.86% Return on Equity 7.85% Interest Income $6.38 million

Institution Health Overall Score: 4 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 had $18.81 million in non-current loans and owned real-estate with $64.08 million in equity and loan loss allowances on hand to cover it. This gives Community First Bank a Texas Ratio of 29.36% 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 decreased slightly from 40.33% as of March 31, 2011 to 29.36% as of March 31, 2012, resulting in a positive change of 27.21%.This indicates that the balance sheet and financial strength for Community First Bank has improved slightly in recent periods. Deposit Growth In the past year, Community First Bank has decreased its total deposits by -$7.64 million, resulting in -1.94% 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 has shown is below 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 has $517.47 million in assets with $64.08 million in equity, resulting in a capitalization level of 12.38%, which is excellent.

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