Attached files
| file | filename |
|---|---|
| 10-K - FORM 10-K - CENTRA FINANCIAL HOLDINGS INC | l42172e10vk.htm |
| EX-21 - EX-21 - CENTRA FINANCIAL HOLDINGS INC | l42172exv21.htm |
| EX-23 - EX-23 - CENTRA FINANCIAL HOLDINGS INC | l42172exv23.htm |
| EX-32.1 - EX-32.1 - CENTRA FINANCIAL HOLDINGS INC | l42172exv32w1.htm |
| EX-31.2 - EX-31.2 - CENTRA FINANCIAL HOLDINGS INC | l42172exv31w2.htm |
| EX-31.1 - EX-31.1 - CENTRA FINANCIAL HOLDINGS INC | l42172exv31w1.htm |
| EX-32.2 - EX-32.2 - CENTRA FINANCIAL HOLDINGS INC | l42172exv32w2.htm |
Exhibit 12
CENTRA
FINANCIAL HOLDINGS INC. AND SUBSIDIARIES ANNUAL REPORT ON
FORM 10-K
for Fiscal Year Ended December 31, 2010
FORM 10-K
for Fiscal Year Ended December 31, 2010
|
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 |