Financial Highlights

CENTRIX BANK & TRUST (OTCQB - CXBT)   
Select Period:
 2014 FQ12013 FQ1 2013 FQ4 
Period Ended3/31/20143/31/2013Y-Y Ch (%)12/31/2013 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets950,891850,87311.75907,68319.04
Total Net Loans707,103620,97813.87682,71214.29
Total Deposits776,823688,87812.77733,64423.54
Equity Attributable to Parent Company88,15981,6467.9885,49212.48
Total Equity88,15981,6467.9885,49212.48
Profitability (%)   
Net Income ($000) 2,0651,76317.132,110 (8.53)
Net Income Attributable to Parent ($000) 2,0651,76317.132,110 (8.53)
ROAA0.890.854  bp 0.94 (5)  bp
Core ROAA0.890.854  bp 0.94 (5)  bp
ROAE9.428.6676  bp 9.88 (46)  bp
ROATCE12.6612.0264  bp 13.74 (108)  bp
Core ROAE9.428.6676  bp 9.88 (46)  bp
Net Interest Margin3.543.64 (10)  bp 3.67 (13)  bp
Reported: Net Interest Margin3.583.66 (8)  bp 3.63 (5)  bp
Efficiency Ratio54.2656.43 (217)  bp 53.3096  bp
Noninterest Inc / Operating Rev4.064.40 (34)  bp 4.26 (20)  bp
Balance Sheet Ratios/ Capital (%)   
Loans / Deposits91.3189.15216  bp 93.36 (205)  bp
Securities / Assets19.2921.73 (244)  bp 19.0524  bp
Total Equity / Total Assets9.279.60 (33)  bp 9.42 (15)  bp
Tangible Equity / Tangible Assets9.279.60 (33)  bp 9.42 (15)  bp
Tang Common Equity / Tang Assets6.706.72 (2)  bp 6.72 (2)  bp
Tier 1 Common Capital Ratio8.148.086  bp 8.16 (2)  bp
Tier 1 Ratio11.2611.68 (42)  bp 11.40 (14)  bp
Risk-based Capital Ratio12.9913.61 (62)  bp 13.20 (21)  bp
Leverage Ratio9.549.62 (8)  bp 9.57 (3)  bp
Core Cap / Tang Assets (OTS Only)NANANANANA
Asset Quality (%)   
NPAs / Assets0.930.7320  bp 0.930  bp
NPA Excl Restructured / Assets0.780.5028  bp 0.726  bp
NPAs & 90+ PD / Assets0.930.7320  bp 0.930  bp
NPAs / Loans & REO1.240.9925  bp 1.222  bp
Nonaccrual & 90+ & OREO / Assets0.780.5028  bp 0.726  bp
NPAs & 90+ PD / Loans & REO1.240.9925  bp 1.222  bp
NPA & Loans 90+ / Tangible Common Equity + LLR12.399.64275  bp 12.2613  bp
NCOs / Avg Loans0.17017  bp 0.45 (28)  bp
Loan Loss Reserves / Gross Loans1.071.14 (7)  bp 1.09 (2)  bp
Reserves / NPAs86.35115.40 (2,905)  bp 89.91 (356)  bp
Loan Loss Provision / NCO123.81NMNM49.277,454  bp
Per Share Information ($)   
Common Shares Outstanding (actual) 3,246,0003,150,0003.053,216,0003.73
Avg Diluted Shares (actual) 3,269,0003,205,00023,240,0003.58
Basic Book Value per Share19.6218.158.1018.9713.71
As-reported Book Value per Share19.6218.158.1018.9713.71
Basic Tangible Book Value per Share19.6218.158.1018.9713.71
Reported: Tangible Book Value19.6218.158.1018.9713.71
Common Dividends Declared per Share00000
EPS after Extra0.610.5315.090.63 (12.70)
EPS after Extra Growth (%) 15.108.20693  bp 125.00 (10,991)  bp
Core EPS0.610.5315.090.63 (12.70)
Core EPS Growth (%) 15.108.20693  bp 125.00 (10,991)  bp
Diluted EPS before Amortization0.610.5315.090.63 (12.70)
Pre-Provision Earnings Per Share0.710.6410.940.74 (16.22)
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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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