Board of Governors of the Federal Reserve System Federal Deposit Insurance Corporation

Office of the Comptroller of the Currency

OMB Number: 7100-0036

OMB Number: 3064-0052

OMB Number: 1557-0081

Approval expires December 31, 2024

Federal Financial Institutions Examination Council

Page 1 of 63

Consolidated Reports of Condition and Income for

a Bank with Domestic Offices Only and Total Assets

Less than $5 Billion - FFIEC 051

Report at the close of business March 31, 2022

(20220331)

(RCON 9999)

This report is required by law: 12 U.S.C. §324 (State member banks); 12 U.S.C. §1817 (State nonmember banks); 12 U.S.C. §161 (National banks); and 12 U.S.C §1464 (Savings associations). Unless the context indicates otherwise, the term "bank" in this report form refers to both banks and savings associations. This report form is to be filed by banks with domestic offices only and total assetsless than $5 billion, except such banks that (1) are advanced ap-proaches institutions or are subject to Category III capital standards for regulatory capital purposes, (2) are large or highly complex insti-tutions for deposit insurance assessment purposes, or (3) have elected, or have been required by their primary federal regulator, to file the FFIEC 041.

NOTE: Each bank's board of directors and senior management are responsible for establishing and maintaining an effective system of internal control, including controls over the Reports of Condition and Income. The Reports of Condition and Income are to be prepared in accordance with federal regulatory authority instructions. The Reports of Condition and Income must be signed by the Chief Financial

Officer (CFO) of the reporting bank (or by the individual performing an equivalent function) and attested to by not less than two directors (trustees) for state nonmember banks and three directors for state member banks, national banks, and savings associations.

I, the undersigned CFO (or equivalent) of the named bank, attest that the Reports of Condition and Income (including the supporting schedules) for this report date have been prepared in conformance with the instructions issued by the appropriate Federal regulatory authority and are true and correct to the best of my knowledge and belief.

Signature of Chief Financial Officer (or Equivalent)Date of Signature

We, the undersigned directors (trustees), attest to the correctness of the Reports of Condition and Income (including the supporting schedules) for this report date and declare that the Reports of Condition and Income have been examined by us and to the best of our knowledge and belief have been prepared in conformance with the instructions issued by the appropriate Federal regulatory authority and are true and correct.

Director (Trustee)Director (Trustee)Director (Trustee)

Submission of Reports

Each bank must file its Reports of Condition and Income (Call Report) data by either:

(a) Using computer software to prepare its Call Report and then submitting the report data directly to the FFIEC's Central Data Repository (CDR), an Internet-based system for data collection (https://cdr.ffiec.gov/cdr/), or

(b)Completing its Call Report in paper form and arranging with a software vendor or another party to convert the data into the elec-tronic format that can be processed by the CDR. The software vendor or other party then must electronically submit the bank's data file to the CDR.

For technical assistance with submissions to the CDR, please contact the CDR Help Desk by telephone at (888) CDR-3111, by fax at (703) 774-3946, or by e-mail atcdr.help@cdr.ffiec.gov.

To fulfill the signature and attestation requirement for the Reports of Condition and Income for this report date, attach your bank's completed signature page (or a photocopy or a computer generated version of this page) to the hard-copy record of the data file submitted to the CDR that your bank must place in its files.

The appearance of your bank's hard-copy record of the submitted data file need not match exactly the appearance of the FFIEC's sample report forms, but should show at least the caption of each Call Report item and the reported amount.

Fresno First Bank

Legal Title of Bank (RSSD 9017)

Fresno

City (RSSD 9130)

CAFDIC Certificate Number

58090 (RSSD 9050)State Abbrev. (RSSD 9200)

93711

ZIP Code (RSSD 9220)Legal Entity Identifier (LEI) 549300TUGV15PJJSFC84

(Report only if your institution already has an LEI.) (RCON 9224)

The estimated average burden associated with this information collection is 35.38 hours per respondent and is expected to vary by institution, depending on individual circumstances. Burden estimates include the time for reviewing instructions, gathering and maintaining data in the required form, and completing the information collection, but exclude the time for compiling and maintaining business records in the normal course of a respondent's activities. A Federal agency may not conduct or sponsor, and an organization (or a person) is not required to respond to a collection of information, unless it displays a currently valid OMB control number. Comments concerning the accuracy of this burden estimate and suggestions for reducing this burden should be directed to the Office of Information and Regulatory Affairs, Office of Management and Budget, Washington, DC 20503, and to one of the following: Secretary, Board of Governors of the Federal Reserve System, 20th and C Streets, NW, Washington, DC 20551; Legislative and Regulatory Analysis Division, Office of the Comptroller of the Currency, Washington, DC 20219; Assistant Executive Secretary, Federal Deposit Insurance Corporation, Washington, DC 20429.

FFIEC 051

Page 2 of 63

Consolidated Reports of Condition and Income for a Bank with Domestic Offices Only and Total Assets Less than $5 Billion

Table of Contents

Signature Page ........................................................................... 1

Contact Information ............................................................... 3, 4

Report of Income

Schedule RI-Income Statement ........................................ RI-1, 2, 3

Schedule RI-A-Changes in Bank Equity Capital ......................... RI-4

Schedule RI-B-Charge-offs and Recoveries on

Loans and Leases and Changes in Allowances for Credit Losses:

Part I. Charge-offs and Recoveries on

Loans and Leases ................................................................ RI-5, 6 Part II. Changes in Allowances for Credit

Losses ..................................................................................... RI-6

Schedule RI-C-Disaggregated Data on the Allowance for Loan andLease Losses (to be completed only by selected banks) ........ RI-7

Schedule RI-E-Explanations .................................................. RI-8, 9

Report of Condition

Schedule RC-Balance Sheet ................................................. RC-1, 2

Schedule RC-B-Securities ................................................ RC-3, 4, 5

Schedule RC-C-Loans and Lease Financing

Receivables:

Part I. Loans and Leases ....................................... RC-6, 7, 8, 9, 10 Part II. Loans to Small Businesses and

Small Farms ............................................................... RC-11, 12

Schedule RC-E-Deposit Liabilities ................................ RC-13, 14

Schedule RC-F-Other Assets ............................................. RC-15Schedule RC-G-Other Liabilities ........................................ RC-15Schedule RC-K-Quarterly Averages ................................... RC-16Schedule RC-L- Off-Balance Sheet Items ........................... RC-17

Schedule RC-M-Memoranda ................................. RC-18, 19, 20

Schedule RC-N-Past Due and Nonaccrual Loans,

Leases, and Other Assets ............................... RC-21, 22, 23, 24

Schedule RC-O-Other Data for Deposit Insurance

Assessments .............................................................. RC-25, 26

Schedule RC-R-Regulatory Capital:

Part I. Regulatory Capital Components

and Ratios .................................................. RC-27, 28, 29, 30

Part II. Risk-Weighted Assets ............. RC-31, 32, 33, 34, 35, 36

Schedule RC-T-Fiduciary and Related

37, 38, 39, 40, 41, 42, 43

Services ......................................................... RC-44, 45, 46, 47

Schedule SU-Supplemental Information ......................... SU-1, 2

Optional Narrative Statement Concerning the Amounts Reported in the Consolidated Reportsof Condition and Income .................................................. SU-3

For information or assistance, national banks, state nonmember banks, and savings associations should contact the FDIC's Data Collection and Analysis Section, 550 17th Street, NW, Washington, DC 20429, toll free on (800) 688-FDIC(3342), Monday through Friday between 8:00 a.m. and 5:00 p.m., Eastern Time. State member banks should contact their Federal Reserve District Bank.

Contact Information for the Reports of Conditio

To facilitate communication between the Agencies and the bank concerning the Rep

(1) the Chief Financial Officer (or equivalent) of the bank signing the reports for this

Officer (or equivalent)- to whom questions about the reports should be directed. If

for questions about the reports, please provide contact information for another pers

between the Agencies and the bank concerning the Reports of Condition and Incom

if not available. Contact information for the Reports of Condition and Income is for t

public.

Chief Financial Officer (or Equivalent) Signing the Reports

Steve Canfield

Name (TEXT C490)

EVP/CFO

Title (TEXT C491)

scanfield@fresnofirstbank.com

E-mail Address (TEXT C492)

(559) 348-5757

Telephone: Area code/phone number/extension (TEXT C493)

(559) 439-0290

FAX: Area code/phone number (TEXT C494)

Chief Executive Officer Contact Information

This information is being requested so the Agencies can distribute notifications about policy initiatives, deposit insurance assessments, and other matters directly to the Chief Executive Officers of reporting institutions. Notifications about other matters may include emergency notifications that may or may not also be sent to the institution's emergency contacts listed below. Please provide contact information for the Chief Executive Officer of the reporting institution. Enter "none" for the Chief Executive Officer's e-mail address or fax number if not available. Chief Executive Officer contact information is for the confidential use of the Agencies and will not be released to the public.

Chief Executive Officer

(559) 348-5757

(559) 439-0290

Steve Miller

Name (TEXT FT42)

Telephone: Area code/phone number/extension (TEXT FT43)

smiller@fresnofirstbank.com

E-mail Address (TEXT FT44)

Fax: Area code/phone number (TEXT FT45)

Emergency Contact Information

This information is being requested so the Agencies can distribute critical, time sensi

contact information for a senior official of the bank who has decision-making author

Enter "none" for the contact's e-mail address or fax number if not available. Emerge

and will not be released to the public.

Primary Contact

Steve Canfield

Name (TEXT C366)

EVP/CFO

Title (TEXT C367)

scanfield@fresnofirstbank.com

E-mail Address (TEXT C368)

(559) 348-5757

Telephone: Area code/phone number/extension (TEXT C369)

(559) 439-0290

FAX: Area code/phone number (TEXT C370)

USA PATRIOT Act Section 314(a) Anti-Money Lau

This information is being requested to identify points-of-contact who are in charge o

Bank personnel listed could be contacted by law enforcement officers or the Financi

related to specific Section 314(a) search requests or other anti-terrorist financing an

to the bank for purposes other than Section 314(a) notifications will state the intend

for review. Any disclosure of customer records to law enforcement officers or FinCEN

Right to Financial Privacy Act (12 U.S.C. 3401 et seq.).

Please provide information for a primary and secondary contact. Information for a th

"none" for the contact's e-mail address if not available. This contact information is fo

officers and will not be released to the public.

Primary Contact

Cyndi Carmichael

Name (TEXT C437)

SVP, compliance Manager

Title (TEXT C438)

ccarmichael@fresnofirstbank.com

E-mail Address (TEXT C439)

(559) 348-5736

Telephone: Area code/phone number/extension (TEXT C440)

Third Contact

Maria Herrera

Name (TEXT C870)

Compliance Specialist

Title (TEXT C871)

mherrera@fresnofirstbank.com

E-mail Address (TEXT C872)

(559) 348-5706

Telephone: Area code/phone number/extension (TEXT C873)

Fresno First Bank - FDIC Certificate Number: 58090

Consolidated Report of Income

FFIEC 051

For the period January 1, 2022 - March 31, 2022

Page 5 of 63

RI-1

Schedule RI-Income Statement

1. Interest income: a. Interest and fee income on loans:

(1) Loans secured by real estate:

  • (a) Loans secured by 1-4 family residential properties ............................................................................................ 1.a.1.a.

  • (b) All other loans secured by real estate ................................................................................................................ 1.a.1.b.

4435 4436

269

5,654

  • (2) Commercial and industrial loans .............................................................................................................................. 1.a.2.

  • (3) Loans to individuals for household, family, and other personal expenditures:

  • (a) Credit cards ......................................................................................................................................................... 1.a.3.a.

    B485

  • (b) Other (includes revolving credit plans other than credit cards, automobile loans, and

other consumer loans) ....................................................................................................................................... 1.a.3.b. (4) Not applicable

B486

  • (5) All other loans (1) ..................................................................................................................................................... 1.a.5.

  • (6) Total interest and fee income on loans (sum of items 1.a.(1)(a) through 1.a.(5)) .................................................... 1.a.6.

4058 4010

00677

9,224

  • b. Income from lease financing receivables ....................................................................................................................... 1.b.

  • c. Interest income on balances due from depository institutions (2) ................................................................................ 1.c.

    4065 4115

    4

    19

  • d. Interest and dividend income on securities:

    (1) U.S. Treasury securities and U.S. Government agency obligations

(excluding mortgage-backed securities) ................................................................................................................... 1.d.1.

B488

80

  • (2) Mortgage-backed securities ..................................................................................................................................... 1.d.2.

    B489

    873

  • (3) All other securities (includes securities issued by states and political

subdivisions in the U.S.) ........................................................................................................................................... 1.d.3. e. Not applicable

4060

1,009

f. Interest income on federal funds sold and securities purchased under agreements to resell ...................................... 1.f.

4020

  • g. Other interest income .................................................................................................................................................... 1.g.

  • h. Total interest income (sum of items 1.a.(6) through 1.g) ............................................................................................... 1.h.

4518 4107

11,216

2. Interest expense: a. Interest on deposits:

  • (1) Transaction accounts (interest-bearing demand deposits, NOW accounts, ATS accounts, and telephone and preauthorized transfer accounts) ............................................................................................. 2.a.1.

    4508 2

  • (2) Nontransaction accounts:

  • (a) Savings deposits (includes MMDAs) .................................................................................................................... 2.a.2.a.

0093 161

(b) Time deposits of $250,000 or less ....................................................................................................................... 2.a.2.b.

HK03

30

(c) Time deposits of more than $250,000 ................................................................................................................. 2.a.2.c.

HK04

14

b. Expense of federal funds purchased and securities sold under agreements to repurchase .......................................... 2.b.

4180

1

  • c. Other interest expense ................................................................................................................................................... 2.c.

    GW44

    0

  • d. Not applicable

e. Total interest expense (sum of items 2.a through 2.d) .................................................................................................. 2.e.

4073

208

3.

11,008

4.

0

4.

Net interest income (item 1.h minus 2.e) ..................................................................................... 3.

4074

Provision for loan and lease losses (3) .......................................................................................... JJ33

  • 1 Includes interest and fee income on "Loans to depository institutions and acceptances of other banks," "Loans to finance agricultural production and other loans to farmers," "Obligations (other than securities and leases) of states and political subdivisions in the U.S.," and "Loans to nondepository financial institutions and other loans."

  • 2 Includes interest income on time certificates of deposit not held for trading.

  • 3 Institutions that have adopted ASU 2016-13 should report in item 4 the provisions for credit losses on all financial assets and off-balance-sheet exposures that fall within the scope of the standard.

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Communities First Financial Corporation published this content on 19 April 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 19 April 2022 20:54:10 UTC.