Community First Bank, National Association in Forest, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community First Bank, National Association - Overview

  • General
  • FDIC Certificate #: 6584
    Status: Active
    Federal Reserve ID: 579319
    Bank Holding Company (Regulatory Top Holder): Community First Bancshares, Inc. (RSSDID: 2293093, Location: Forest, OH)
    Date Established: October 04, 1904
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 12996
    FDIC's unique #: 4409
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 118 East Lima Street, Forest, OH 45843
    County: Hardin
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Columbus
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $52.3 mil
    Equity capital: $5.0 mil
    Deposits held in domestic offices: $47.0 mil
    Return on assets (ROA): 0.42% ($0.2 mil)
    Quarterly return on assets: 0.50% ($0.3 mil)
    Return on Equity (ROE): 4.18% ($0.2 mil)
    Quarterly return on equity: 5.06% ($0.3 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.64% ($334.5 mil)
    Quarterly Pretax return on assets: 0.77% ($402.4 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
  • 17Total employees (full-time equivalent)
  • $52,261Total assets
  • $1,528Cash and due from depository institutions
  • $253Interest-bearing balances
  • $4,139Securities
  • $12,497Federal funds sold & reverse repurchase agreements
  • $32,727Net loans & leases
  • $196Loan loss allowance
  • $0Trading account assets
  • $537Bank premises and fixed assets
  • $28Other real estate owned
  • $0Goodwill and other intangibles
  • $52,261Life insurance assets
  • $805All other assets
  • $47,212Total liabilities and capital
  • $47,012Total liabilities
  • $32,768Total deposits
  • $47,012Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $200Subordinated debt
  • $5,049All other liabilities
  • $5,049Total equity capital
  • $5,049Total bank equity capital
  • $0Perpetual preferred stock
  • $575Common stock
  • $814Surplus
  • $3,660Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $168Long-term assets (5+ years)
  • $49,616Average Assets, year-to-date
  • $23,175Average Assets, quarterly
  • $49,942Volatile liabilities
  • $50,786Insider loans
  • $29,157FHLB advances
  • $51,265Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,973Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,621Restructured Loans and leases
  • $181Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,711Total interest income
  • $144Total interest expense
  • $1,567Net interest income
  • $3Provision for loan and lease losses
  • $172Total noninterest income
  • $0Fiduciary activities
  • $66Service charges on deposit accounts
  • $0Trading account gains & fees
  • $106Additional noninterest income
  • $1,415Total noninterest expense
  • $753Salaries and employee benefits
  • $220Premises and equipment expense
  • $442Additional noninterest expense
  • $321Pre-tax net operating income
  • $0Securities gains (losses)
  • $111Applicable income taxes
  • $210Income before extraordinary items
  • $0Extraordinary gains - net
  • $210Net income attributable to bank
  • $0Net charge-offs
  • $210Cash dividends
  • $8Sale, conversion, retirement of capital stock, net
  • $115Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.62%Yield on earning assets
  • 0.30%Cost of funding earning assets
  • 3.31%Net interest margin
  • 0.36%Noninterest income to earning assets
  • 2.99%Noninterest expense to earning assets
  • 0.42%Net operating income to assets
  • 0.42%Return on assets (ROA)
  • 0.64%Pretax return on assets
  • 4.18%Return on equity (ROE)
  • 1.89%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 37.50%Credit loss provision to net charge-offs
  • 40.50%Efficiency ratio
  • 81,369Assets per employee
  • 3.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 54.76%Loss allowance to loans
  • 0.60%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.05%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 69.61%Net loans and leases to core deposits
  • 73.79%Equity capital to assets
  • 9.66%Core capital (leverage) ratio
  • 9.70%Tier 1 risk-based capital ratio
  • 17.06%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $49,942Average earning assets
  • $5,030Average equity
  • $47,321Average loans

List of branches

  • 3 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04409Community First Bank, National Association118 East Lima Street, Forest, OH 45843October 04, 1904Full Service Brick and Mortar
    1211530Kenton Branch438 South Main Street, Kenton, OH 43326September 28, 1981Full Service Brick and Mortar
    2364197Upper Sandusky Branch101 N. Sandusky Avuene, Upper Sandusky, OH 43351March 25, 2002Full Service Brick and Mortar

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