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Contact Information

Centric Financial Corporation,
PO Box 62090
Harrisburg, PA 17106-2090

Investor Relations
Sandra Schultz, EVP, CFO
Phone: 717.909.8305
Fax: 717.657.7748
Email: send us a secure email

Transfer Agent
American Stock Transfer & Trust Company, LLC
ATTN: Centric Financial Corporation
6201 15th Avenue
Brooklyn, NY 11219
Phone: 800-937-5449
Email: info@amstock.com

Investor Relations

Financial Highlights

Financial Highlights
2015 FY
12/31/2015
2016 FY
12/31/2016
2017 FY
12/31/2017
2018 FY
12/31/2018
2019 FQ2 YTD
6/30/2019
Balance Sheet ($000)
Total Assets 373,232 481,863 555,786 704,396 786,752
Total Net Loans 311,866 422,726 490,991 619,662 657,014
Total Deposits 310,918 420,008 484,834 586,185 653,874
Equity Attributable to Parent Company 34,359 37,671 41,565 69,773 73,735
Total Equity 34,359 37,671 41,565 69,773 73,735
Profitability (%)
Net Income($000) 1,837 3,042 3,744 8,004 3,701
Net Income Attributable to Parent($000) 1,837 3,042 3,744 8,004 3,701
ROAA 0.55 0.71 0.72 1.23 1
Core ROAA 0.55 0.72 0.88 1.23 NA
ROAE 6.14 8.50 9.44 14.05 10.32
ROATCE 7.71 8.63 9.55 14.17 10.39
Core ROAE 6.15 8.58 11.52 14.03 NA
Net Interest Margin 3.48 3.74 4.03 3.95 3.95
Reported: Net Interest Margin 3.48 3.71 4 3.95 3.95
Efficiency Ratio 74.80 67.18 64.18 61.63 64.33
Noninterest Inc/ Operating Rev 17.01 20.24 14.11 14.58 12.76
Balance Sheet Ratios (%)
Loans/ Deposits 101.07 101.56 102.43 106.75 101.35
Securities/ Assets 6.24 3.50 2.81 4.12 4.39
Total Equity/ Total Assets 9.21 7.82 7.48 9.91 9.37
Tangible Equity/ Tangible Assets 9.09 7.72 7.40 9.84 9.32
Tang Common Equity/ Tang Assets 9.09 7.72 7.40 9.84 9.32
Asset Quality (%)
NPAs/ Assets NA 0.48 0.46 NA NA
NPA Excl Restructured/ Assets 0.43 0.31 0.34 0.15 NA
NPAs & 90+ PD/ Assets NA 0.48 0.46 NA NA
NPAs/ Loans & REO NA 0.55 0.52 NA NA
Nonaccrual & 90+ & OREO/ Assets 0.43 0.31 0.34 0.32 NA
NPAs & 90+ PD/ Loans & REO NA 0.55 0.52 NA NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA 5.60 5.47 NA NA
NCOs/ Avg Loans 0.14 0.11 0 0.07 0.08
Loan Loss Reserves/ Gross Loans 1.04 1.06 1.18 1.10 1.16
Reserves/ NPAs NA 193.40 229.37 NA NA
Loan Loss Provision/ NCO 172.45 400.49 NM 353.09 424
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 34,251 37,495 41,375 69,444 NA
Tier 1 Capital($000) 34,251 37,495 41,375 69,444 NA
Tier 2 Capital($000) 3,347 10,601 16,033 17,063 NA
Total Capital($000) 37,598 48,096 57,408 86,507 NA
Total Risk-weighted Assets($000) 319,506 438,026 512,067 635,934 NA
Tier 1 Common Capital (CET1) Ratio(%) 10.72 8.56 8.08 10.92 NA
Tier 1 Ratio(%) 10.72 8.56 8.08 10.92 NA
Total Capital Ratio(%) 11.77 10.99 11.22 13.60 NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.61 7.86 7.70 9.68 NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 6,306,262 6,338,490 6,380,653 8,714,975 8,746,455
Avg Diluted Shares(actual) 4,244,155 6,331,316 6,369,686 7,814,419 8,734,739
Basic Book Value per Share 5.45 5.94 6.51 8.01 8.43
Book Value per Share, As Reported 5.45 5.94 6.51 8.01 8.43
Basic Tangible Book Value per Share 5.37 5.87 6.44 7.95 8.37
Tangible Book Value per Share, As Reported 5.37 5.87 6.44 7.95 8.37
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.42 0.48 0.59 1.02 0.42
EPS after Extra Growth(%) 13.50 14.30 22.90 72.90 (17.60)
Core EPS 0.42 0.48 0.72 1.02 NA
Core EPS Growth(%) 13.50 15.10 48.70 41.40 NA
Diluted EPS before Amortization 0.42 0.48 0.59 1.02 0.42
Pre-Provision Earnings per Share 0.50 0.63 0.84 1.15 0.51
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.

Contact Information

Centric Financial Corporation,
PO Box 62090
Harrisburg, PA 17106-2090

Investor Relations
Sandra Schultz, EVP, CFO
Phone: 717.909.8305
Fax: 717.657.7748
Email: send us a secure email

Transfer Agent
American Stock Transfer & Trust Company, LLC
ATTN: Centric Financial Corporation
6201 15th Avenue
Brooklyn, NY 11219
Phone: 800-937-5449
Email: info@amstock.com