Attached files
| file | filename |
|---|---|
| S-1 - FORM S-1 - CENTRA FINANCIAL HOLDINGS INC | l38221sv1.htm |
| EX-99.1 - EX-99.1 - CENTRA FINANCIAL HOLDINGS INC | l38221exv99w1.htm |
| EX-21 - EX-21 - CENTRA FINANCIAL HOLDINGS INC | l38221exv21.htm |
| EX-5 - EX-5 - CENTRA FINANCIAL HOLDINGS INC | l38221exv5.htm |
| EX-24 - EX-24 - CENTRA FINANCIAL HOLDINGS INC | l38221exv24.htm |
| EX-23.1 - EX-23.1 - CENTRA FINANCIAL HOLDINGS INC | l38221exv23w1.htm |
Exhibit 12
CENTRA FINANCIAL HOLDINGS INC. AND SUBSIDIARIES
COMPUTATION OF RATIOS
COMPUTATION OF RATIOS
CASH DIVIDENDS PER SHARE
|
Cash dividends paid/Common shares outstanding at date of declaration | |
BOOK VALUE PER SHARE
|
Total stockholders’ equity/Common shares outstanding at year-end | |
RETURN ON AVERAGE ASSETS
|
Net income/Average assets | |
RETURN ON AVERAGE STOCKHOLDERS’
EQUITY
|
Net income/Average stockholders’ equity | |
TANGIBLE RETURN ON AVERAGE ASSETS
|
(Net income)/(Average assets) | |
TANGIBLE RETURN ON AVERAGE
STOCKHOLDERS’ EQUITY
|
(Net income)/(Average Equity) | |
EARNINGS PER SHARE
|
(Net income)/(Weighted-average common shares outstanding) | |
NET INTEREST MARGIN
|
Net interest income/Average earning assets | |
NON-INTEREST EXPENSE TO AVERAGE ASSETS |
Non-interest expense/Average assets | |
EFFICIENCY RATIO
|
(Non-interest expenses less non-recurring, non-operational items)/(Net interest income plus non-interest income) |
|
AVERAGE LOANS TO AVERAGE DEPOSITS
|
Average gross loans/Average deposits | |
DIVIDEND PAYOUT RATIO
|
Dividends declared/Net income | |
AVERAGE STOCKHOLDERS’ EQUITY TO
AVERAGE ASSETS
|
Average stockholders’ equity/Average assets | |
PRIMARY CAPITAL TO PERIOD-END TOTAL ASSETS |
(Stockholders’ equity plus allowance for loan losses)/(Period-end total allowance for loan losses) | |
TIER I CAPITAL TO PERIOD
|
(Stockholders’ equity less accumulated other comprehensive income/(loss)(Tier 1 Capital)/Risk-adjusted assets | |
TOTAL CAPITAL RATIO
|
Tier 1 Capital plus allowance for loan losses/Risk-adjusted assets | |
TIER I LEVERAGE RATIO
|
Tier 1 Capital/Quarterly average assets | |
NET CHARGE-OFFS TO AVERAGE LOANS
|
(Gross charge-offs less recoveries)/Average net loans | |
NON-PERFORMING LOANS AS A PERCENTAGE OF PERIOD END |
(Nonaccrual loans plus loans past due 90 days or greater plus renegotiated loans)/Gross loans net of unearned interest | |
NON-PERFORMING ASSETS AS A PERCENTAGE OF TOTAL ASSETS |
(Nonaccrual loans plus loans past due 90 days or greater plus renegotiated loans plus other real estate owned)/Total assets | |
ALLOWANCE FOR LOAN LOSSES TO PERIOD-END TOTAL LOANS |
Allowance for loan losses/Gross loans net of unearned interest |