Financial Highlights

CENTRIX BANK & TRUST ( - )   
Select Period:
 2014 FQ32013 FQ3 2014 FQ2 
Period Ended9/30/20149/30/2013Y-Y Ch (%)6/30/2014 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets965,809909,1376.23979,410 (5.55)
Total Net Loans721,791657,6459.75736,423 (7.95)
Total Deposits728,316732,730 (0.60) 802,160 (36.82)
Equity Attributable to Parent Company92,83682,54312.4791,3336.58
Total Equity92,83682,54312.4791,3336.58
Profitability (%)   
Net Income ($000) 2,2521,69632.781,95061.95
Net Income Attributable to Parent ($000) 2,2521,69632.781,95061.95
ROAA0.940.7618  bp 0.8113  bp
Core ROAA0.940.7618  bp 0.8113  bp
ROAE9.818.13168  bp 8.69112  bp
ROATCE12.9511.19176  bp 11.56139  bp
Core ROAE9.798.13166  bp 8.69110  bp
Net Interest Margin3.593.64 (5)  bp 3.563  bp
Reported: Net Interest Margin3.543.60 (6)  bp 3.56 (2)  bp
Efficiency Ratio55.7364.82 (909)  bp 53.55218  bp
Noninterest Inc / Operating Rev4.144.35 (21)  bp 3.8826  bp
Balance Sheet Ratios/ Capital (%)   
Loans / Deposits100.2189.851,036  bp 91.52869  bp
Securities / Assets18.1719.64 (147)  bp 19.00 (83)  bp
Total Equity / Total Assets9.619.0853  bp 9.3328  bp
Tangible Equity / Tangible Assets9.619.0853  bp 9.3328  bp
Tang Common Equity / Tang Assets7.086.3969  bp 6.8325  bp
Tier 1 Common Capital Ratio8.428.1329  bp 8.0438  bp
Tier 1 Ratio11.4511.48 (3)  bp 11.0441  bp
Risk-based Capital Ratio13.1913.39 (20)  bp 12.7841  bp
Leverage Ratio9.639.4122  bp 9.4320  bp
Core Cap / Tang Assets (OTS Only)NANANANANA
Asset Quality (%)   
NPAs / Assets0.691.08 (39)  bp 0.76 (7)  bp
NPA Excl Restructured / Assets0.620.84 (22)  bp 0.620  bp
NPAs & 90+ PD / Assets0.701.08 (38)  bp 0.76 (6)  bp
NPAs / Loans & REO0.911.47 (56)  bp 1.00 (9)  bp
Nonaccrual & 90+ & OREO / Assets0.630.84 (21)  bp 0.621  bp
NPAs & 90+ PD / Loans & REO0.931.47 (54)  bp 1.00 (7)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR8.8514.81 (596)  bp 9.89 (104)  bp
NCOs / Avg Loans0.11011  bp 011  bp
Loan Loss Reserves / Gross Loans1.101.19 (9)  bp 1.12 (2)  bp
Reserves / NPAs120.7081.233,947  bp 111.91879  bp
Loan Loss Provision / NCO(35.75)NMNMNMNM
Per Share Information ($)   
Common Shares Outstanding (actual) 3,247,0003,202,0001.413,247,0000
Avg Diluted Shares (actual) 3,277,0003,244,0001.023,277,0000
Basic Book Value per Share21.0518.1316.1120.598.94
As-reported Book Value per Share21.0518.1316.1120.598.94
Basic Tangible Book Value per Share21.0518.1316.1120.598.94
Reported: Tangible Book Value21.0518.1316.1120.598.94
Common Dividends Declared per Share00000
EPS after Extra0.670.50340.5862.07
EPS after Extra Growth (%) 34.00(9.1)4,309  bp (7.9)4,194  bp
Core EPS0.670.50340.5862.07
Core EPS Growth (%) 33.70(9.1)4,278  bp (8.0)4,168  bp
Diluted EPS before Amortization0.670.50340.5862.07
Pre-Provision Earnings per Share0.730.5435.190.77 (20.78)
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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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