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CFBANC CORPORATION AND SUBSIDIARIES SELECTED FINANCIAL DATA Statement of Operations Data:

Interest income Interest expense Net interest income Provision for credit losses Net interest income after provision for credit losses Noninterest income Noninterest expense Income before income taxes Income tax expense Net income Less: Net income attributable to noncontrolling interest Net income attributable to CFBanc Corporation and Subsidiaries

Per Common Share Data and Shares Outstanding:

For the Years Ended/As of December 31, 2015 2014 (Dollars in thousands, except per share data)

$9,743 588 9,155 876 8,279 3,312 9,095 2,496 790 1,706 547 $1,159

$10,511 574 9,937 1,150 8,787 3,364 9,198 2,953 850 2,103 635 $1,468

Net income Book value Common stock outstanding at period end Weighted average common shares outstanding during period

$0.56 15.15 1,864,313 1,864,313

$0.73 14.73 1,864,313 1,864,311

Assets Short-term investments Investment securities Loans, net Deposits Borrowings CFBanc Corporation’s equity Noncontrolling interest

$257,240 23,533 60,547 162,041 194,577 26,357 34,026 326

$240,987 20,254 43,074 166,360 191,114 13,865 33,250 89

Return on average assets Return on average stockholders’ equity Net interest margin Loans to deposits

0.47% 3.44% 3.91% 86%

0.65% 4.51% 4.66% 89%

Tier 1 common equity risk-based capital Tier 1 risk-based capital Total risk-based capital Leverage ratio

18.81% 18.81% 20.08% 13.62%

17.55% 17.55% 18.82% 14.00%

Balance Sheet Data:

Performance Ratios:

Capital Ratios:

CITY FIRST BANK OF DC

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City First Annual Report | 2015  
City First Annual Report | 2015  
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