Community First Bank in Fairview Heights, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Community First Bank in Fairview Heights, Illinois (IL)
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Community First Bank - Overview

  • General
  • FDIC Certificate #: 27393
    Status: Active
    Federal Reserve ID: 1225033
    Bank Holding Company (Regulatory Top Holder): Community First Bancorp, Inc. (RSSDID: 3468535, Location: Fairview Heights, IL)
    Date Established: November 30, 1988
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 15970
    FDIC's unique #: 39836
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: November 30, 1988
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 4600 North Illinois, Fairview Heights, IL 62208
    County: St. Clair
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Mount Vernon
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $190.9 mil
    Equity capital: $27.1 mil
    Deposits held in domestic offices: $161.6 mil
    Return on assets (ROA): 1.16% ($2.2 mil)
    Quarterly return on assets: 0.67% ($1.3 mil)
    Return on Equity (ROE): 9.66% ($2.6 mil)
    Quarterly return on equity: 4.70% ($1.3 mil)
    Net income: $2.2 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.17% ($2,233.8 mil)
    Quarterly Pretax return on assets: 0.68% ($1,298.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 28Total employees (full-time equivalent)
  • $190,923Total assets
  • $2,988Cash and due from depository institutions
  • $1,346Interest-bearing balances
  • $17,661Securities
  • $50Federal funds sold & reverse repurchase agreements
  • $161,353Net loans & leases
  • $2,580Loan loss allowance
  • $0Trading account assets
  • $2,095Bank premises and fixed assets
  • $638Other real estate owned
  • $0Goodwill and other intangibles
  • $190,923Life insurance assets
  • $6,138All other assets
  • $163,800Total liabilities and capital
  • $161,614Total liabilities
  • $147,844Total deposits
  • $161,614Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $1,186Subordinated debt
  • $27,123All other liabilities
  • $27,123Total equity capital
  • $27,123Total bank equity capital
  • $0Perpetual preferred stock
  • $794Common stock
  • $20,481Surplus
  • $5,848Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,080Income earned, not collected on loans
  • $0Earning assets
  • $598Long-term assets (5+ years)
  • $180,410Average Assets, year-to-date
  • $6,672Average Assets, quarterly
  • $190,757Volatile liabilities
  • $191,656Insider loans
  • $157,973FHLB advances
  • $192,136Loans and leases held for sale
  • $3,613Unused loan commitments
  • $3,613Tier 1 (core) risk-based capital
  • $26,855Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,483Restructured Loans and leases
  • $265Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,358Total interest income
  • $2,464Total interest expense
  • $6,894Net interest income
  • $1,146Provision for loan and lease losses
  • $582Total noninterest income
  • $0Fiduciary activities
  • $181Service charges on deposit accounts
  • $0Trading account gains & fees
  • $401Additional noninterest income
  • $4,103Total noninterest expense
  • $2,613Salaries and employee benefits
  • $250Premises and equipment expense
  • $1,240Additional noninterest expense
  • $2,227Pre-tax net operating income
  • $0Securities gains (losses)
  • $21Applicable income taxes
  • $2,206Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,206Net income attributable to bank
  • $0Net charge-offs
  • $2,206Cash dividends
  • $1,443Sale, conversion, retirement of capital stock, net
  • $964Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.15%Yield on earning assets
  • 1.36%Cost of funding earning assets
  • 3.80%Net interest margin
  • 0.32%Noninterest income to earning assets
  • 2.26%Noninterest expense to earning assets
  • 1.16%Net operating income to assets
  • 1.16%Return on assets (ROA)
  • 1.17%Pretax return on assets
  • 9.66%Return on equity (ROE)
  • 5.44%Retained earnings to average equity (YTD only)
  • 0.88%Net charge-offs to loans
  • 79.42%Credit loss provision to net charge-offs
  • 2.34%Efficiency ratio
  • 54,882Assets per employee
  • 6.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 43.70%Loss allowance to loans
  • 1.57%Loss allowance to noncurrent loans
  • 124.04%Noncurrent assets plus other real estate owned to assets
  • 1.42%Noncurrent loans to loans
  • 1.27%Net loans and leases to deposits
  • 99.84%Net loans and leases to core deposits
  • 105.70%Equity capital to assets
  • 14.21%Core capital (leverage) ratio
  • 13.98%Tier 1 risk-based capital ratio
  • 17.00%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $190,757Average earning assets
  • $22,829Average equity
  • $181,605Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    039836Community First Bank4600 North Illinois, Fairview Heights, IL 62208November 30, 1988Full Service Brick and Mortar

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