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Centra Bank, Inc.

Morgantown, WV · Cert 35364

FDIC

Q1 2012

$1.3BAssets
$1.0BLoans
$1.1BDeposits
$190.5MEquity
Loan mix
83%RE $696.2M16%C&I $133.4M1%Consumer $10.3MQ1 2011Q1 2012
Deposit mix
91%Interest-bearing $990.3M9%Noninterest $102.8MQ1 2011Q1 2012

NIM

4.74%Q1 ’104.33%Q1 ’114.36%Q1 ’12+4%+18%

Non-interest income vs. expense

2.72%Q1 ’102.54%Q1 ’111.98%Q1 ’12-11%-23%

Executive Summary

  • Earnings: ROA of 1.61%, up 75 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.33%.
  • Funding: loans stand at 93.57% of deposits as of Q1 2012.

Financial Results

Return on Assets (quarter, annualized)

1.61%+75 bps YoY

Net Interest Margin (quarter, annualized)

4.13%+63 bps YoY

Efficiency Ratio (quarter, annualized)

39.28%-2,040 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets0.86%-2.06%2.78%2.50%1.61%+75 bps
Return on Equity7.50%-17.69%21.83%17.80%11.23%+373 bps
Net Interest Margin3.50%3.54%-3.30%4.82%4.13%+63 bps
Efficiency Ratio59.68%164.25%43.50%27.89%39.28%-2,040 bps
Non-Interest Burden1.88%6.29%-6.84%1.05%1.45%-43 bps
Growth
Asset Growth (YoY)0.33%-5.31%-3.45%-3.16%-1.35%-169 bps
Loan Growth (YoY)3.49%4.45%-0.77%-2.54%-3.17%-665 bps
Deposit Growth (YoY)-0.48%-5.62%-5.77%-5.78%-3.90%-342 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.35%0.42%-0.79%0.02%0.33%-2 bps
Allowance / Loans1.77%1.76%0.03%0.05%0.07%-170 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital15.10%14.64%11.58%11.60%12.01%-308 bps
Equity / Assets11.70%11.60%13.86%14.22%14.40%+270 bps
Liquidity & Funding
Loans / Deposits92.87%95.09%90.31%93.75%93.57%+70 bps
Liquid Assets / Assets0.14%0.09%4.91%2.91%3.46%+331 bps
CRE / Total Capitaln/an/an/an/an/an/an/a