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 ($000) 1,9502,090 (6.70) 2,065 (22.28)
ROAA0.810.98 (17)  bp 0.89 (8)  bp
Core ROAA0.810.98 (17)  bp 0.89 (8)  bp
ROAE8.6410.33 (169)  bp 9.42 (78)  bp
ROATCE11.5614.00 (244)  bp 12.66 (110)  bp
Core ROAE8.6310.33 (170)  bp 9.42 (79)  bp
Net Interest Margin3.563.59 (3)  bp 3.542  bp
Reported: Net Interest Margin3.563.57 (1)  bp 3.58 (2)  bp
Efficiency Ratio53.5453.2331  bp 54.34 (80)  bp
Noninterest Inc / Operating Rev3.904.56 (66)  bp 4.23 (33)  bp
Balance Sheet Ratios/ Capital (%)   
Loans / Deposits91.5286.88464  bp 91.3121  bp
Securities / Assets18.9821.78 (280)  bp 19.29 (31)  bp
Total Equity / Total Assets9.339.285  bp 9.276  bp
Tangible Equity / Tangible Assets9.339.285  bp 9.276  bp
Tang Common Equity / Tang Assets6.836.5528  bp 6.7013  bp
Tier 1 Common Capital RatioNA8.17NA  bp 8.14NA  bp
Tier 1 RatioNA11.66NA  bp 11.26NA  bp
Risk-based Capital RatioNA13.53NA  bp 12.99NA  bp
Leverage RatioNA9.57NA  bp 9.54NA  bp
Core Cap / Tang Assets (OTS Only)NANANANANA
Asset Quality (%)   
NPAs / AssetsNA0.79NA  bp 0.93NA  bp
NPA Excl Restructured / AssetsNA0.67NA  bp 0.78NA  bp
NPAs & 90+ PD / AssetsNA0.79NA  bp 0.93NA  bp
NPAs / Loans & REONA1.09NA  bp 1.24NA  bp
Nonaccrual & 90+ & OREO / AssetsNA0.67NA  bp 0.78NA  bp
NPAs & 90+ PD / Loans & REONA1.09NA  bp 1.24NA  bp
NPA & Loans 90+ / Tangible Common Equity + LLRNA10.77NA  bp 12.39NA  bp
NCOs / Avg Loans00.16 (16)  bp 0.17 (17)  bp
Loan Loss Reserves / Gross Loans1.121.102  bp 1.075  bp
Reserves / NPAsNA100.21NA  bp 86.35NA  bp
Loan Loss Provision / NCONM71.49NM123.81NM
Per Share Information ($)   
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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