Attached files
file | filename |
---|---|
10-K - FORM 10-K - CENTRA FINANCIAL HOLDINGS INC | l39076e10vk.htm |
EX-23 - EX-23 - CENTRA FINANCIAL HOLDINGS INC | l39076exv23.htm |
EX-21 - EX-21 - CENTRA FINANCIAL HOLDINGS INC | l39076exv21.htm |
EX-3.2 - EX-3.2 - CENTRA FINANCIAL HOLDINGS INC | l39076exv3w2.htm |
EX-32.1 - EX-32.1 - CENTRA FINANCIAL HOLDINGS INC | l39076exv32w1.htm |
EX-31.1 - EX-31.1 - CENTRA FINANCIAL HOLDINGS INC | l39076exv31w1.htm |
EX-32.2 - EX-32.2 - CENTRA FINANCIAL HOLDINGS INC | l39076exv32w2.htm |
EX-31.2 - EX-31.2 - CENTRA FINANCIAL HOLDINGS INC | l39076exv31w2.htm |
Exhibit 12
CENTRA
FINANCIAL HOLDINGS INC. AND SUBSIDIARIES ANNUAL REPORT ON
FORM 10-K
for Fiscal Year Ended December 31, 2009
FORM 10-K
for Fiscal Year Ended December 31, 2009
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 assets plus 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 |