Community First Banking Company

Community First Banking Company is headquartered in West Plains and is the 151^st largest bank in the state of Missouri. It is also the 3,970^th largest bank in the nation. It was established in 1997 and as of March of 2012, it had grown to 34 employees at 3 locations. Community First Banking Company has a 5-star health rating.

Community First Banking Company Routing Number: 086518765

Data for Q1 2012

Institution Statistics Community First Banking Company FDIC Certificate # 34610 BankRate Report View Year Established 1997 Employees 34 Primary Regulator FDIC Assets and Liabilities Assets $144.54 million Loans $101.97 million Deposits $129.27 million Equity Capital $14.51 million Loan Loss Allowance $2.04 million Unbacked Noncurrent Loans $1.86 million Real Estate Owned $565,000 Historic Data - March 2011 Assets $131.16 million Equity Capital $13.33 million Loan Loss Allowance $1.84 million Unbacked Noncurrent Loans $2.29 million Real Estate Owned $365,000 Profit Margin - Quarterly Net Interest Margin 4.23% Return on Assets 1.83% Return on Equity 17.14% Interest Income $1.65 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 Community First Banking Company had $2.42 million in non-current loans and owned real-estate with $16.56 million in equity and loan loss allowances on hand to cover it. This gives Community First Banking Company a Texas Ratio of 14.65% 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 Community First Banking Company decreased slightly from 17.51% as of March 31, 2011 to 14.65% as of March 31, 2012, resulting in a positive change of 16.34%.This indicates that the balance sheet and financial strength for Community First Banking Company has improved slightly in recent periods. Deposit Growth In the past year, Community First Banking Company has increased its total deposits by $17.08 million, resulting in 15.22% 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 Banking Company 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. Community First Banking Company has $144.54 million in assets with $16.56 million in equity, resulting in a capitalization level of 11.46%, which is above average.

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