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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
2016 FY
12/31/2016
2017 FY
12/31/2017
2018 FY
12/31/2018
2019 FY
12/31/2019
2020 FQ1 YTD
3/31/2020
Balance Sheet ($000)
Total Assets 481,863 555,786 704,396 832,204 842,973
Total Net Loans 422,726 490,991 619,662 696,537 685,573
Total Deposits 420,008 484,834 586,185 682,060 659,405
Equity Attributable to Parent Company 37,671 41,565 69,773 77,489 79,323
Total Equity 37,671 41,565 69,773 77,489 79,323
Profitability (%)
Net Income($000) 3,042 3,744 8,004 7,285 1,541
Net Income Attributable to Parent($000) 3,042 3,744 8,004 7,285 1,541
ROAA 0.71 0.72 1.23 0.95 0.74
Core ROAA 0.72 0.88 1.23 0.94 NA
ROAE 8.50 9.44 14.05 9.89 7.86
ROATCE 8.63 9.55 14.17 9.96 7.91
Core ROAE 8.58 11.52 14.03 9.88 NA
Net Interest Margin 3.74 4.03 3.95 3.80 3.82
Reported: Net Interest Margin 3.71 4 3.95 3.80 3.82
Efficiency Ratio 67.18 64.18 61.63 64.97 65.23
Noninterest Inc/ Operating Rev 20.24 14.11 14.58 12.64 9.72
Balance Sheet Ratios (%)
Loans/ Deposits 101.56 102.43 106.75 103.09 105.10
Securities/ Assets 3.50 2.81 4.12 4.37 4.15
Total Equity/ Total Assets 7.82 7.48 9.91 9.31 9.41
Tangible Equity/ Tangible Assets 7.72 7.40 9.84 9.26 9.36
Tang Common Equity/ Tang Assets 7.72 7.40 9.84 9.26 9.36
Asset Quality (%)
NPAs/ Assets 0.48 0.46 0.24 0.96 0.92
NPA Excl Restructured/ Assets 0.31 0.34 0.15 0.62 0.59
NPAs & 90+ PD/ Assets 0.48 0.46 0.41 1.45 1.34
NPAs/ Loans & REO 0.55 0.52 0.27 1.13 1.12
Nonaccrual & 90+ & OREO/ Assets 0.31 0.34 0.32 1.11 1.02
NPAs & 90+ PD/ Loans & REO 0.55 0.52 0.46 1.71 1.63
NPA & Loans 90+/ Tangible Common Equity + LLR 5.60 5.47 3.80 14.13 12.87
NCOs/ Avg Loans 0.11 0 0.07 0.11 0
Loan Loss Reserves/ Gross Loans 1.06 1.18 1.10 1.18 1.31
Reserves/ NPAs 193.40 229.37 410.51 103.96 117.71
Loan Loss Provision/ NCO 400.49 NM 353.09 284.25 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 37,495 41,375 69,444 77,064 NA
Tier 1 Capital($000) 37,495 41,375 69,444 77,064 78,905
Tier 2 Capital($000) 10,601 16,033 17,063 18,475 19,133
Total Capital($000) 48,096 57,408 86,507 95,539 98,038
Total Risk-weighted Assets($000) 438,026 512,067 635,934 725,650 NA
Tier 1 Common Capital (CET1) Ratio(%) 8.56 8.08 10.92 10.62 10.80
Tier 1 Ratio(%) 8.56 8.08 10.92 10.62 10.80
Total Capital Ratio(%) 10.99 11.22 13.60 13.17 13.42
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 7.86 7.70 9.68 9.71 9.86
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 6,338,490 6,380,653 8,714,975 8,758,646 8,764,174
Avg Diluted Shares(actual) 6,331,316 6,369,686 7,814,419 8,755,337 8,767,433
Basic Book Value per Share 5.94 6.51 8.01 8.85 9.05
Book Value per Share, As Reported 5.94 6.51 8.01 8.85 9.05
Basic Tangible Book Value per Share 5.87 6.44 7.95 8.79 8.99
Tangible Book Value per Share, As Reported 5.87 6.44 7.95 8.79 8.99
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.48 0.59 1.02 0.83 0.18
EPS after Extra Growth(%) 14.30 22.90 72.90 (18.60) (14.30)
Core EPS 0.48 0.72 1.02 0.83 NA
Core EPS Growth(%) 15.10 48.70 41.40 (18.70) NA
Diluted EPS before Amortization 0.48 0.59 1.02 0.83 0.18
Pre-Provision Earnings per Share 0.63 0.84 1.15 1.02 0.25
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