Financial Highlights

CENTRIX BANK & TRUST (OTCQB - CXBT)   
Select Period:
 2014 FQ22013 FQ2 2014 FQ1 
Period Ended6/30/20146/30/2013Y-Y Ch (%)3/31/2014 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets979,410895,0319.43950,89112
Total Net Loans736,423638,87515.27707,10316.59
Total Deposits802,160724,19110.77776,82313.05
Equity Attributable to Parent Company91,33383,0759.9488,15914.40
Total Equity91,33383,0759.9488,15914.40
Profitability (%)   
Net Income ($000) 1,9502,090 (6.70) 2,065 (22.28)
Net Income Attributable to Parent ($000) 1,9502,090 (6.70) 2,065 (22.28)
ROAA0.810.98 (17)  bp 0.89 (8)  bp
Core ROAA0.810.98 (17)  bp 0.89 (8)  bp
ROAE8.6910.33 (164)  bp 9.42 (73)  bp
ROATCE11.5614.00 (244)  bp 12.66 (110)  bp
Core ROAE8.6910.33 (164)  bp 9.42 (73)  bp
Net Interest Margin3.563.59 (3)  bp 3.542  bp
Reported: Net Interest Margin3.563.57 (1)  bp 3.58 (2)  bp
Efficiency Ratio53.5553.2332  bp 54.34 (79)  bp
Noninterest Inc / Operating Rev3.884.56 (68)  bp 4.23 (35)  bp
Balance Sheet Ratios/ Capital (%)   
Loans / Deposits91.5286.88464  bp 91.3121  bp
Securities / Assets19.0021.78 (278)  bp 19.29 (29)  bp
Total Equity / Total Assets9.339.285  bp 9.276  bp
Tangible Equity / Tangible Assets9.339.285  bp 9.276  bp
Tang Common Equity / Tang Assets6.836.5528  bp 6.7013  bp
Tier 1 Common Capital Ratio8.048.17 (13)  bp 8.14 (10)  bp
Tier 1 Ratio11.0411.66 (62)  bp 11.26 (22)  bp
Risk-based Capital Ratio12.7813.53 (75)  bp 12.99 (21)  bp
Leverage Ratio9.439.57 (14)  bp 9.54 (11)  bp
Core Cap / Tang Assets (OTS Only)NANANANANA
Asset Quality (%)   
NPAs / Assets0.760.79 (3)  bp 0.93 (17)  bp
NPA Excl Restructured / Assets0.620.67 (5)  bp 0.78 (16)  bp
NPAs & 90+ PD / Assets0.760.79 (3)  bp 0.93 (17)  bp
NPAs / Loans & REO1.001.09 (9)  bp 1.24 (24)  bp
Nonaccrual & 90+ & OREO / Assets0.620.67 (5)  bp 0.78 (16)  bp
NPAs & 90+ PD / Loans & REO1.001.09 (9)  bp 1.24 (24)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR9.8910.77 (88)  bp 12.39 (250)  bp
NCOs / Avg Loans00.16 (16)  bp 0.17 (17)  bp
Loan Loss Reserves / Gross Loans1.121.102  bp 1.075  bp
Reserves / NPAs111.91100.211,170  bp 86.352,556  bp
Loan Loss Provision / NCONM71.49NM123.81NM
Per Share Information ($)   
Common Shares Outstanding (actual) 3,247,0003,166,3432.553,246,0000.12
Avg Diluted Shares (actual) 3,277,0003,214,0001.963,269,0000.98
Basic Book Value per Share20.5918.5111.2419.6219.78
As-reported Book Value per Share20.5918.5111.2419.6219.78
Basic Tangible Book Value per Share20.5918.5111.2419.6219.78
Reported: Tangible Book Value20.5918.5111.2419.6219.78
Common Dividends Declared per Share00000
EPS after Extra0.580.63 (7.94) 0.61 (19.67)
EPS after Extra Growth (%) (7.9)(17.1)917  bp 15.10 (2,303)  bp
Core EPS0.580.63 (7.94) 0.61 (19.67)
Core EPS Growth (%) (8.0)31.00 (3,903)  bp 15.10 (2,308)  bp
Diluted EPS before Amortization0.580.63 (7.94) 0.61 (19.67)
Pre-Provision Earnings per Share0.770.70100.7133.80
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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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