Vitals
  • Total Assets
    1.3B -1.4 %
  • Total Deposits
    1.1B -3.9 %
  • Total Net Loans
    1.0B -1.5 %
  • Net Income
    5.3M 82.9 %
  • Book Value
    190.5M 21.4 %
  • Book Value x2
    381.0M 21.4 %
  • Book Value x3
    571.5M 21.4 %
ROAA

1.605

ROAE

11.232

Efficiency Ratio

42.269

Net Interest Margin

4.664

Balance Sheet Highlights
Financial Highlights Centra Bank, Inc. All Insured Commercial Banks in West Virginia
Balance Sheet $(000)
Total Assets 1,322,857 307,553
Total Net Loans 1,022,070 197,274
Total Deposits 1,093,115 257,182
Total Equity 190,488 33,042
Profitability
Net Income 5,329 704
Return on Average Assets 1.605 .766
Return on Average Equity 11.232 7.152
Net Interest Margin 4.664 3.938
Efficiency Ratio 42.269 68.204
Noninterest Income/Revenue 10.682 14.572
Balance Sheet Ratios
Loan-to-Deposit 93.501 70.573
Securities/Assets .081 .199
Total Equity/Total Assets .144 .107
Tangible Equity/Tangible Assets .09 .098
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 119,342 29,564
Tier 2 Capital 752 2,089
Total Capital 120,094 31,651
Total Risk Weighted Assets 999,657 200,099
Leverage Ratio 9.49 10.342
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 11.94 17.203
Total Capital Ratio 12.01 18.351

Timeline for Centra Bank, Inc.

United Bank

Centra Bank, Inc. was acquired by United Bank 12 years

View Profile Apr 21 2012

Ubc Holding Company, Inc.

Ubc Holding Company, Inc. became a new parent organization for Centra Bank, Inc..

View Profile Jul 09 2011

Centra Financial Corporation-Hagerstown, Inc.

Centra Financial Corporation-Hagerstown, Inc. became a new parent organization for Centra Bank, Inc..

View Profile Dec 12 2007

Centra Financial Corporation-Uniontown, Inc.

Centra Financial Corporation-Uniontown, Inc. became a new parent organization for Centra Bank, Inc..

View Profile Jan 29 2007

Centra Bank-Smithfield

Acquisition: Centra Bank, Inc. acquired a new subsidiary, Centra Bank-Smithfield, 17 years

View Profile Jan 27 2007

Want to see more?

Complete timeline for Centra Bank, Inc. is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
United Bank Buyer 6,060,018 Pooling of Interests Discontinued 4/21/2012
Centra Bank-Smithfield Seller 249,092 Pooling of Interests Discontinued 1/27/2007
Relationships Role Relationship Start Relationship End
Ubc Holding Company, Inc. Parent 7/9/2011 4/20/2012
Centra Financial Corporation-Martinsburg, Inc Parent 12/12/2007 7/8/2011
Centra Financial Corporation-Morgantown, Inc Parent 12/12/2007 7/8/2011
Centra Financial Corporation-Uniontown, Inc. Parent 12/12/2007 7/8/2011
Centra Financial Corporation-Hagerstown, Inc. Parent 12/12/2007 7/8/2011
Centra Financial Corporation-Martinsburg, Inc Parent 1/29/2007 12/11/2007
Centra Financial Corporation-Morgantown, Inc Parent 1/29/2007 12/11/2007
Centra Financial Corporation-Uniontown, Inc. Parent 1/29/2007 12/11/2007
Centra Financial Corporation-Martinsburg, Inc Parent 8/6/2002 1/28/2007
Centra Financial Corporation-Morgantown, Inc Parent 8/6/2002 1/28/2007
Centra Financial Corporation-Martinsburg, Inc Parent 4/19/2001 8/5/2002
Centra Financial Corporation-Morgantown, Inc Parent 4/19/2001 8/5/2002
Centra Financial Holdings, Inc. Parent 4/28/2000 4/18/2001
Title Services, Inc. Subsidary 6/30/2007 4/20/2012
Centra Mortgage I, Llc Subsidary 11/13/2006 4/20/2012
Title Services, Inc. Subsidary 3/31/2005 6/29/2007
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