Letter From the Chief Executive Officer 
 
Our mission is simple—"Enhance the financial conditions of our partners in the great communities we serve."  Thankfully, we are 100% locally owned, and we plan to stay that way so we can fulfill that mission.  Being owned and operated by local folks gives us the flexibility you so deserve. We not only make all decisions in each bank, we do it fast, and fairly. 
 
Thanks in large part to this mission/vision and all of our existing customers, we have been able to share hundreds of thousands of dollars of our company's resources with local charitable organizations in the communities we serve. And, our employees have given over 3,500 hours of community service in 2013!!   
 
One of our other visions is to always offer the most fundamental accounts that are structured to meet every customer profile and keep it as safe, easy, and effective as ever! But, our focus remains to serve you. 
 
Thank you for visiting our website.  But, hopefully, we will see you in person in one of our great facilities.  We really look forward to serving you and are grateful for your consideration. 
 
I would love your comments or suggestions. 
 
Sincerely, 
 
Dave Morton 
President and Chief Executive Officer 
Community First Bank 
Pea Ridge, Eureka Springs, Berryville, and Harrison, Arkansas 
FDIC
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