Community First National Bank

Community First National Bank is headquartered in Manhattan and is the 82^nd largest bank in the state of Kansas. It is also the 3,724^th largest bank in the nation. It was established in 2001 and as of March of 2012, it had grown to 42 employees at 2 locations. Community First National Bank has a 5-star health rating.

Community First National Bank Routing Number: 101114918

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Data for Q1 2012

Institution Statistics Community First National Bank FDIC Certificate # 35585 BankRate Report View Year Established 2001 Employees 42 Primary Regulator OCC Assets and Liabilities Assets $158.40 million Loans $132.04 million Deposits $143.84 million Equity Capital $14.06 million Loan Loss Allowance $1.85 million Unbacked Noncurrent Loans $1.60 million Real Estate Owned $198,000 Historic Data - March 2011 Assets $140.05 million Equity Capital $12.26 million Loan Loss Allowance $1.67 million Unbacked Noncurrent Loans $2.01 million Profit Margin - Quarterly Net Interest Margin 4.39% Return on Assets 1.22% Return on Equity 13.75% Interest Income $1.95 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 National Bank had $1.8 million in non-current loans and owned real-estate with $15.91 million in equity and loan loss allowances on hand to cover it. This gives Community First National Bank a Texas Ratio of 11.31% 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 National Bank decreased slightly from 14.43% as of March 31, 2011 to 11.31% as of March 31, 2012, resulting in a positive change of 21.64%.This indicates that the balance sheet and financial strength for Community First National Bank has improved slightly in recent periods. Deposit Growth In the past year, Community First National Bank has increased its total deposits by $16.69 million, resulting in 13.12% 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 National Bank 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 National Bank has $158.4 million in assets with $15.91 million in equity, resulting in a capitalization level of 10.04%, which is above average.

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