Financial Highlights

CENTRIX BANK & TRUST (OTCQB - CXBT)   
Select Period:
 2013 FQ42012 FQ4 2013 FQ3 
Period Ended12/31/201312/31/2012Y-Y Ch (%)9/30/2013 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets907,683823,39810.24909,137 (0.64)
Total Net Loans682,712605,59512.73657,64515.25
Total Deposits733,644633,68015.78732,7300.50
Equity Attributable to Parent Company85,49280,4466.2782,54314.29
Total Equity85,49280,4466.2782,54314.29
Profitability (%)   
Net Income ($000) 2,110971117.301,69697.64
Net Income Attributable to Parent ($000) 2,110971117.301,69697.64
ROAA0.940.4846  bp 0.7618  bp
Core ROAA0.940.4846  bp 0.7618  bp
ROAE9.884.80508  bp 8.13175  bp
ROATCE13.746.53721  bp 11.19255  bp
Core ROAE9.884.80508  bp 8.13175  bp
Net Interest Margin3.673.652  bp 3.643  bp
Reported: Net Interest Margin3.633.603  bp 3.603  bp
Efficiency Ratio53.4153.392  bp 64.82 (1,141)  bp
Noninterest Inc / Operating Rev4.505.16 (66)  bp 4.3515  bp
Balance Sheet Ratios/ Capital (%)   
Loans / Deposits93.3693.360  bp 89.85351  bp
Securities / Assets19.0520.39 (134)  bp 19.64 (59)  bp
Total Equity / Total Assets9.429.77 (35)  bp 9.0834  bp
Tangible Equity / Tangible Assets9.429.77 (35)  bp 9.0834  bp
Tang Common Equity / Tang Assets6.726.80 (8)  bp 6.3933  bp
Tier 1 Common Capital Ratio8.168.115  bp 8.133  bp
Tier 1 Ratio11.4011.84 (44)  bp 11.48 (8)  bp
Risk-based Capital Ratio13.2013.78 (58)  bp 13.39 (19)  bp
Leverage Ratio9.579.570  bp 9.4116  bp
Core Cap / Tang Assets (OTS Only)NANANANANA
Asset Quality (%)   
NPAs / Assets0.930.7716  bp 1.08 (15)  bp
NPA Excl Restructured / Assets0.720.5319  bp 0.84 (12)  bp
NPAs & 90+ PD / Assets0.930.7716  bp 1.08 (15)  bp
NPAs / Loans & REO1.221.0418  bp 1.47 (25)  bp
Nonaccrual & 90+ & OREO / Assets0.720.5319  bp 0.84 (12)  bp
NPAs & 90+ PD / Loans & REO1.221.0418  bp 1.47 (25)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR12.2610.16210  bp 14.81 (255)  bp
NCOs / Avg Loans0.451.47 (102)  bp 045  bp
Loan Loss Reserves / Gross Loans1.091.090  bp 1.19 (10)  bp
Reserves / NPAs89.91105.33 (1,542)  bp 81.23868  bp
Loan Loss Provision / NCO49.2798.76 (4,949)  bp NMNM
Per Share Information ($)   
Common Shares Outstanding (actual) 3,216,0003,136,0002.553,202,0001.75
Avg Diluted Shares (actual) 3,240,0003,185,0001.733,244,000 (0.49)
Basic Book Value per Share18.9717.856.2718.1318.53
As-reported Book Value per Share18.9717.856.2718.1318.53
Basic Tangible Book Value per Share18.9717.856.2718.1318.53
Reported: Tangible Book Value18.9717.856.2718.1318.53
Common Dividends Declared per Share00000
EPS after Extra0.630.281250.50104
EPS after Extra Growth (%) 125.00(42.9)16,786  bp (9.1)13,409  bp
Core EPS0.630.281250.50104
Core EPS Growth (%) 125.00(42.9)16,786  bp (9.1)13,409  bp
Diluted EPS before Amortization0.630.281250.50104
Pre-Provision Earnings Per Share0.740.688.820.54148.15
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   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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