Centra Bank, Inc.

Centra Bank, Inc. is headquartered in Morgantown and is the 5^th largest bank in the state of West Virginia. It is also the 496^th largest bank in the nation. It was established in 2000 and as of December of 2011, it had grown to 201 employees at 15 locations. Centra Bank, Inc. has a 5-star health rating.

Data for Q4 2011

Institution Statistics Centra Bank, Inc. FDIC Certificate # 35364 BankRate Report View Year Established 2000 Employees 201 Primary Regulator FDIC Assets and Liabilities Assets $1.33 billion Loans $1.03 billion Deposits $1.10 billion Equity Capital $189.08 million Loan Loss Allowance $549,000 Unbacked Noncurrent Loans $3.01 million Real Estate Owned $5.42 million Historic Data - December 2010 Assets $1.37 billion Equity Capital $153.93 million Loan Loss Allowance $18.59 million Unbacked Noncurrent Loans $18.22 million Real Estate Owned $2.83 million Profit Margin - Quarterly Net Interest Margin 2.34% Return on Assets 1.03% Return on Equity 8.21% Interest Income $29.80 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Centra Bank, Inc. had $8.44 million in non-current loans and owned real-estate with $189.63 million in equity and loan loss allowances on hand to cover it. This gives Centra Bank, Inc. a Texas Ratio of 4.45% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Centra Bank, Inc. decreased significantly from 12.20% as of December 31, 2010 to 4.45% as of December 31, 2011, resulting in a positive change of 63.53%.This indicates that the balance sheet and financial strength for Centra Bank, Inc. has improved significantly in recent periods. Deposit Growth In the past year, Centra Bank, Inc. has decreased its total deposits by -$67.6 million, resulting in -5.78% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Centra Bank, Inc. has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Centra Bank, Inc. has $1.33 billion in assets with $189.63 million in equity, resulting in a capitalization level of 14.26%, which is excellent.

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