# CENTRA BANK INC
MORGANTOWN, WV · FDIC certificate 35364 · asset band $1-10B · latest filing 2012-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.32B | |
| Deposits | $1.09B | |
| Loans and leases | $1.02B | |
| Total equity | $190.5M | |
| Loans / deposits | 93.50% (p83 of band) | 77.46% |
| Liquid assets / assets | 11.89% (p5 of band) | |
| Uninsured deposits / deposits | 36.30% (p89 of band) | 17.92% |
| Brokered deposits | 1.15% | |
| Wholesale funding | 4.05% (p27 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.49% (p50 of band) | 9.50% |
| Unrealized securities loss / equity | 0.13% (p15 of band) | 3.21% |
| AOCI / equity | 0.04% (p54 of band) | |
| ROA (annualized) | 1.61% (p89 of band) | 0.85% |
| Net interest margin | 4.66% (p91 of band) | 3.63% |
| Efficiency ratio | 39.28% (p7 of band) | |
| Noncurrent loans | 0.33% (p6 of band) | 2.15% |
| Net charge-offs (annualized) | 0.26% (p55 of band) | |
| Reserve coverage of noncurrent | 22.15% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 57.19% (p76 of band) | |
| Auto loans | $4.5M (0.44% of loans; DQ 0.67%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p40 of band) | |
| Deposits YoY | -3.9% | |
| Employees | 187 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 4 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-09 | 3 | capital falling, NIM <2.5% | construction >100% equity, losing money, expense ratio p90 |
| 2011-12 | 2 |  | capital falling |
| 2012-03 | 1 |  | NIM <2.5% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2008-10-17 [Centra Bank CEO Douglas Leech named Outstanding Alumnus at Fayette - The Pennsylvania State University](https://news.google.com/rss/articles/CBMipAFBVV95cUxNUVlYdWx6Sl9acGpJM1lEY09HRU0xczItajNJcGRxQXpfWjBPd3FaV3pvQ3l3a0JQZ0l0WlJ3WE51cjdBeklSeGhUbXBKVXJ0NDdzNXFpUWl2VnJQUVRPODJ2Rko5Q2VrU1A0a3ljLXVqcWdBSWdJYVNIZFhtTXBxc1dfQ08xSWdyY05Ha3MwcEpvdGY3TTlIVmctSW9DT1o2VE05UQ?oc=5) · The Pennsylvania State University
- 2017-05-31 [Order of the Vandalia to induct five new members - WVU Today](https://news.google.com/rss/articles/CBMilAFBVV95cUxQaVJCUUFWNlNvTDBlVVM3di1icTRxVk9aaFZTamljRTRkRTZmUEQyR0N2dGZiUVNjRUFKcVgxTGtBZHJ2b3dXZTdFMUR5aVRpVnBWbkE3R2lQNGFDSXRwUWFEWFV1dHFTTGkzazN0R3RYNFBDN1U4ME5QNDMzTmlPRzNpSHBRS0hGaTJqbEFhOWlrWjRl?oc=5) · WVU Today
- 2009-04-29 [Penn State announces spring 2009 commencement ceremonies and speakers - The Pennsylvania State University](https://news.google.com/rss/articles/CBMisgFBVV95cUxPUmNJUWZsZXpiOEQxazBDaW8yUEl6Z0Z3eTBhRmRKWENOVjdTV0c3eHFjRS1iNFFkWHF5VWxDSzNwODhJRWo1dTJveWxwVEFtemdIWWdpdWFTakxzZmN2UFhpUUFPbnVaYWwwWXU5N09UN3dsejMwNTVSYTEzUXh1ZVJNOG9TQTFpcm1GczV6d2pUenBUbHdGaFFFTjBldjNRTjl0eHp5Wl9uR05MRkxZUk1n?oc=5) · The Pennsylvania State University

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35364 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/36.json (key "35364", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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