Centric Financial : Bank Call Report 123121

February 24, 2022 at 05:57 pm EST

Centric Bank - FDIC Certificate Number: 7461

Submitted to CDR on 01/30/2022 at 09:30 PM

Federal Financial Institutions Examination Council

Board of Governors of the Federal Reserve System	OMB Number: 7100-0036
Federal Deposit Insurance Corporation	OMB Number: 3064-0052
Office of the Comptroller of the Currency	OMB Number: 1557-0081
	Approval expires December 31, 2024
	Page 1 of 86

Consolidated Reports of Condition and Income for a Bank with Domestic Offices Only-FFIEC 041

Report at the close of business December 31, 2021

This report is required by law: 12 U.S.C. §324 (State member banks); 12 U.S.C. §1817 (State nonmember banks); 12 U.S.C. §161 (National banks); and 12 U.S.C §1464 (Savings associations). Unless the context indicates otherwise, the term "bank" in this report form refers to both banks and savings associations.

NOTE: Each bank's board of directors and senior management are responsible for establishing and maintaining an effective system of internal control, including controls over the Reports of Condition and Income. The Reports of Condition and Income are to be prepared in accordance with federal regulatory authority instructions. The Reports of Condition and Income must be signed by the Chief Financial Officer (CFO) of the reporting bank (or by the individual performing an equivalent function) and attested to by not less than two directors (trustees) for state nonmember banks and three directors for state member banks, national banks, and savings associations.

I, the undersigned CFO (or equivalent) of the named bank, attest that the Reports of Condition and Income (including the supporting schedules) for this report date have been prepared in conformance with the instructions issued by the appropriate Federal regulatory authority and are true and correct to the best of my knowledge and belief.

Signature of Chief Financial Officer (or Equivalent)

Date of Signature

Submission of Reports

Each bank must file its Reports of Condition and Income (Call Report) data by either:

(a)Using computer software to prepare its Call Report and then submitting the report data directly to the FFIEC's Central Data Repository (CDR), an Internet-based system for data collection (https://cdr.ffiec.gov/cdr/), or

Completing its Call Report in paper form and arranging with a software vendor or another party to convert the data into the elec- tronic format that can be processed by the CDR. The software vendor or other party then must electronically submit the bank's data file to the CDR.

For technical assistance with submissions to the CDR, please contact the CDR Help Desk by telephone at (888) CDR-3111, by fax at (703) 774-3946, or by e-mail at cdr.help@cdr.ffiec.gov.

FDIC Certificate Number

0 7 4 6 1

(20211231)

(RCON 9999)

This report form is to be filed by banks with domestic offices only and

total consolidated assets of less than $100 billion, except those banks that file the FFIEC 051, and those banks that are advanced approaches

institutions for regulatory capital purposes that are required to file the FFIEC 031.

We, the undersigned directors (trustees), attest to the correctness of the Reports of Condition and Income (including the supporting sched- ules) for this report date and declare that the Reports of Condition and Income have been examined by us and to the best of our knowledge and belief have been prepared in conformance with the instructions issued by the appropriate Federal regulatory authority and are true and correct.

Director (Trustee)

To fulfill the signature and attestation requirement for the Reports of Condition and Income for this report date, attach your bank's completed signature page (or a photocopy or a computer generated version of this page) to the hard-copy record of the data file submitted to the CDR that your bank must place in its files.

The appearance of your bank's hard-copy record of the submitted data file need not match exactly the appearance of the FFIEC's sample report forms, but should show at least the caption of each Call Report item and the reported amount.

Centric Bank

Harrisburg
PA	17112
Legal Entity Identifier (LEI)	549300INPBRHB0MQ7S63

(Report only if your institution already has an LEI.) (RCON 9224)

The es mated average burden associated with this informa on collec on is 55.53 hours per respondent and is expected to vary by ins tu on, depending on individual circumstances. Burden es mates include the me for reviewing instruc ons, gathering and maintaining data in the required form, and comple ng the informa on collec on, but exclude the me for compiling and maintaining business records in the normal course of a respondent's ac vi es. A Federal agency may not conduct or sponsor, and an organiza on (or a person) is not required to respond to a collec on of informa on, unless it displays a currently valid OMB control number. Comments concerning the accuracy of this burden es mate and sugges ons for reducing this burden should be directed to the Oﬃce of Informa on and Regulatory Aﬀairs, Oﬃce of Management and Budget, Washington, DC 20503, and to one of the following: Secretary, Board of Governors of the Federal Reserve System, 20th and C Streets, NW, Washington, DC 20551; Legisla ve and Regulatory Analysis Division, Oﬃce of the Comptroller of the Currency, Washington, DC 20219; Assistant Execu ve Secretary, Federal Deposit Insurance Corpora on, Washington, DC 20429.

Reporting Period: December 31, 2021

January 30, 2022 9:31 PM

Centric Bank - FDIC Certificate Number: 7461

Submitted to CDR on 01/30/2022 at 09:30 PM

FFIEC 041

Page 2 of 86

Consolidated Reports of Condition and Income for a Bank with Domestic Offices Only

Table of Contents

Signature Page...........................................................................	1
Contact Information...............................................................	3, 4
Report of Income
Schedule RI-Income Statement....................................	RI-1, 2, 3, 4
Schedule RI-A-Changes in Bank Equity Capital.........................	RI-5
Schedule RI-B-Charge-offs and Recoveries on
Loans and Leases and Changes in Allowances
for Credit Losses:
Part I. Charge-offs and Recoveries on Loans
and Leases..........................................................................	RI-6, 7
Part II. Changes in Allowances for Credit Losses....................	RI-8

Schedule RI-C-Disaggregated Data on the Allowance for

Loan and Lease Losses (to be completed only by selected banks): Part I. Disaggregated Data on the Allowance for Loan

and Lease Losses....................................................................	RI-9
Part II. Disaggregated Data on the Allowances for
Credit Losses........................................................................	RI-10
Schedule RI-E-Explanations..............................................	RI-11, 12
Report of Condition
Schedule RC-Balance Sheet.................................................	RC-1, 2
Schedule RC-A-Cash and Balances Due
from Depository Institutions
(to be completed only by selected banks)........................	RC-3
Schedule RC-B-Securities.........................................	RC-3, 4, 5, 6, 7
Schedule RC-C-Loans and Lease Financing
Receivables:
Part I. Loans and Leases.............................	RC-8, 9, 10, 11, 12, 13
Part II. Loans to Small Businesses and
Small Farms...............................................................	RC-14, 15
Schedule RC-D-Trading Assets and Liabilities
(to be completed only by selected banks)..........................	RC-16

Schedule RC-E-Deposit Liabilities..........................	RC-17, 18, 19
Schedule RC-F-Other Assets.............................................	RC-20
Schedule RC-G-Other Liabilities........................................	RC-20
Schedule RC-K-Quarterly Averages.............................	RC-21, 22
Schedule RC-L-Derivatives and
Off-Balance Sheet Items................................	RC-23, 24, 25, 26
Schedule RC-M-Memoranda...........................	RC-27, 28, 29, 30
Schedule RC-N-Past Due and Nonaccrual Loans,
Leases, and Other Assets.........................	RC-31, 32, 33, 34, 35
Schedule RC-O-Other Data for Deposit Insurance
Assessments......................................	RC-36, 37, 38, 39, 40, 41

Schedule RC-P-1-4 Family Residential

Mortgage Banking Activities (to be completed

only by selected banks)...................................................	RC-42
Schedule RC-Q-Assets and Liabilities Measured
at Fair Value on a Recurring Basis (to be
completed only by selected banks).....................	RC-43, 44, 45
Schedule RC-R-Regulatory Capital:
Part I. Regulatory Capital Components
and Ratios......................................................	RC-46, 47, 48, 49
Part II. Risk-Weighted Assets...................	RC-50, 51, 52, 53, 54
55, 56, 57, 58, 59, 60, 61, 62
Schedule RC-S-Servicing, Securitization,
and Asset Sale Activities............................................	RC-63, 64
Schedule RC-T-Fiduciary and Related
Services.........................................................	RC-65, 66, 67, 68
Schedule RC-V-Variable Interest Entities..........................	RC-69

Optional Narrative Statement Concerning
the Amounts Reported in the Consolidated Reports
of Condition and Income................................................	RC-70

For information or assistance, national banks, state nonmember banks, and savings associations should contact the FDIC's Data Collection and Analysis Section, 550 17th Street, NW, Washington, DC 20429, toll free on (800) 688-FDIC(3342), Monday through Friday between 8:00 a.m. and 5:00 p.m., Eastern Time. State member banks should contact their Federal Reserve District Bank.

Reporting Period: December 31, 2021

January 30, 2022 9:31 PM

Centric Bank - FDIC Certificate Number: 7461

Submitted to CDR on 01/30/2022 at 09:30 PM

FFIEC 041

Page 3 of 86

Contact Information for the Reports of Condition and Income

To facilitate communication between the Agencies and the bank concerning the Reports of Condition and Income, please provide contact information for

the Chief Financial Officer (or equivalent) of the bank signing the reports for this quarter, and (2) the person at the bank-other than the Chief Financial Officer (or equivalent)- to whom questions about the reports should be directed. If the Chief Financial Officer (or equivalent) is the primary contact
for questions about the reports, please provide contact information for another person at the bank who will serve as a secondary contact for communications between the Agencies and the bank concerning the Reports of Condition and Income. Enter "none" for the contact's e-mail address or fax number
if not available. Contact information for the Reports of Condition and Income is for the confidential use of the Agencies and will not be released to the public.

Chief Financial Officer (or Equivalent) Signing the Reports	Other Person to Whom Questions about the Reports
	Should be Directed
Sandra J. Schultz	Catharine E. Krugh
Name (TEXT C490)	Name (TEXT C495)
EVP, Chief Financial Officer	VP, Controller
Title (TEXT C491)	Title (TEXT C496)
sschultz@centricbank.com	ckrugh@centricbank.com
E-mail Address (TEXT C492)	E-mail Address (TEXT 4086)

(717) 909-8305

Telephone: Area code/phone number/extension (TEXT C493)

(717) 909-8368

Telephone: Area code/phone number/extension (TEXT 8902)

(717) 657-7748

FAX: Area code/phone number (TEXT C494)

(717) 657-1472

FAX: Area code/phone number (TEXT 9116)

Chief Executive Officer Contact Information

This informa on is being requested so the Agencies can distribute no ﬁca ons about policy ini a ves, deposit insurance assessments, and other ma ers directly to the Chief Execu ve Oﬃcers of repor ng ins tu ons. No ﬁca ons about other ma ers may include emergency no ﬁca ons that may or may not also be sent to the ins tu on's emergency contacts listed below. Please provide contact informa on for the Chief Execu ve Oﬃcer of the repor ng ins tu on. Enter "none" for the Chief Execu ve Oﬃcer's e-mail address or fax number if not available. Chief Execu ve Oﬃcer contact informa on is for the conﬁden al use of the Agencies and will not be released to the public.

Chief Executive Officer

Patricia A. Husic	(717) 657-7727
Name (TEXT FT42)	Telephone: Area code/phone number/extension (TEXT FT43)
phusic@centricbank.com	(717) 657-7748
E-mail Address (TEXT FT44)	Fax: Area code/phone number (TEXT FT45)

Emergency Contact Information

This information is being requested so the Agencies can distribute critical, time sensitive information to emergency contacts at banks. Please provide primary contact information for a senior official of the bank who has decision-making authority. Also provide information for a secondary contact if available.

Enter "none" for the contact's e-mail address or fax number if not available. Emergency contact information is for the confidential use of the Agencies and will not be released to the public.

Primary Contact	Secondary Contact
Patricia A. Husic	Sandra J. Schultz
Name (TEXT C366)	Name (TEXT C371)
President & CEO	EVP, Chief Financial Officer
Title (TEXT C367)	Title (TEXT C372)
phusic@centricbank.com	sschultz@centricbank.com
E-mail Address (TEXT C368)	E-mail Address (TEXT C373)

(717) 657-7727

Telephone: Area code/phone number/extension (TEXT C369)

(717) 909-8305

Telephone: Area code/phone number/extension (TEXT C374)

(717) 657-7748

FAX: Area code/phone number (TEXT C370)

(717) 657-7748

FAX: Area code/phone number (TEXT C375)

Reporting Period: December 31, 2021

January 30, 2022 9:31 PM

Centric Bank - FDIC Certificate Number: 7461

Submitted to CDR on 01/30/2022 at 09:30 PM

FFIEC 041

Page 4 of 86

USA PATRIOT Act Section 314(a) Anti-Money Laundering Contact Information

This information is being requested to identify points-of-contact who are in charge of your bank's USA PATRIOT Act Section 314(a) information requests. Bank personnel listed could be contacted by law enforcement officers or the Financial Crimes Enforcement Network (FinCEN) for additional information related to specific Section 314(a) search requests or other anti-terrorist financing and anti-money laundering matters. Communications sent by FinCEN to the bank for purposes other than Section 314(a) notifications will state the intended purpose and should be directed to the appropriate bank personnel for review. Any disclosure of customer records to law enforcement officers or FinCEN must be done in compliance with applicable law, including the Right to Financial Privacy Act (12 U.S.C. 3401 et seq.).

Please provide information for a primary and secondary contact. Information for a third and fourth contact may be provided at the bank's option. Enter "none" for the contact's e-mail address if not available. This contact information is for the confidential use of the Agencies, FinCEN, and law enforcement officers and will not be released to the public.

Primary Contact	Secondary Contact
Florence M. Glucksman	Veronica L. Rodgers
Name (TEXT C437)	Name (TEXT C442)
VP, BSA, Fraud and Physical Security Officer	SVP, DIrector of Operations
Title (TEXT C438)	Title (TEXT C443)
fglucksman@centricbank.com	vrodgers@centricbank.com
E-mail Address (TEXT C439)	E-mail Address (TEXT C444)
(717) 909-8314	(717) 909-8328
Telephone: Area code/phone number/extension (TEXT C440)	Telephone: Area code/phone number/extension (TEXT C445)

Third Contact	Fourth Contact
Stacey Cammack
Name (TEXT C870)	Name (TEXT C875)
Sr Compliance Analyst & Asst CRA Officer
Title (TEXT C871)	Title (TEXT C876)
scammack@centricbank.com
E-mail Address (TEXT C872)	E-mail Address (TEXT C877)
(717) 686-4278
Telephone: Area code/phone number/extension (TEXT C873)	Telephone: Area code/phone number/extension (TEXT C878)

Reporting Period: December 31, 2021

January 30, 2022 9:31 PM

Centric Bank - FDIC Certificate Number: 7461

Submitted to CDR on 01/30/2022 at 09:30 PM

Consolidated Report of Income

For the period January 1, 2021 - December 31, 2021

Schedule RI-Income Statement

FFIEC 041 Page 5 of 86 RI-1

Dollar Amounts in Thousands	RIAD	Amount
1. Interest income:
a. Interest and fee income on loans:
(1) Loans secured by real estate:

(a) Loans secured by 1-4 family residential properties............................................................................................		4435	5,432	1.a.1.a.
(b) All other loans secured by real estate................................................................................................................		4436	21,220	1.a.1.b.
(2) Commercial and industrial loans..............................................................................................................................		4012	19,333	1.a.2.
(3) Loans to individuals for household, family, and other personal expenditures:
(a) Credit cards.........................................................................................................................................................		B485	0	1.a.3.a.
(b) Other (includes revolving credit plans other than credit cards,
automobile loans, and other consumer loans)...................................................................................................		B486	28	1.a.3.b.
(4) Not applicable
(5) All other loans (1).....................................................................................................................................................		4058	55	1.a.5.
(6) Total interest and fee income on loans (sum of items 1.a.(1)(a) through 1.a.(5))...................................................		4010	46,068	1.a.6.
b. Income from lease financing receivables.......................................................................................................................		4065	2	1.b.
c. Interest income on balances due from depository institutions (2)................................................................................		4115	0	1.c.
d. Interest and dividend income on securities:
(1) U.S. Treasury securities and U.S. Government agency obligations (excluding

mortgage-backed securities)...................................................................................................................................		B488	45	1.d.1.
(2) Mortgage-backed securities.....................................................................................................................................		B489	103	1.d.2.
(3) All other securities (includes securities issued by states and political subdivisions in the
U.S.)..........................................................................................................................................................................		4060	1,022	1.d.3.
e. Not applicable
......................................f. Interest income on federal funds sold and securities purchased under agreements to resell		4020	82	1.f.
g. Other interest income....................................................................................................................................................		4518	168	1.g.
h. Total interest income (sum of items 1.a.(6) through 1.g)..............................................................................................		4107	47,490	1.h.
2. Interest expense:
a. Interest on deposits:
(1) Transaction accounts (interest-bearing demand deposits, NOW accounts, ATS accounts,

and telephone and preauthorized transfer accounts).............................................................................................		4508	1,061	2.a.1.
(2) Nontransaction accounts:
(a) Savings deposits (includes MMDAs)....................................................................................................................		0093	1,023	2.a.2.a.
(b) Time deposits of $250,000 or less.......................................................................................................................		HK03	893	2.a.2.b.
(c) Time deposits of more than $250,000.................................................................................................................		HK04	627	2.a.2.c.
b. Expense of federal funds purchased and securities sold under agreements to repurchase.........................................		4180	3	2.b.
c. Interest on trading liabilities and other borrowed money.............................................................................................		4185	944	2.c.
d. Interest on subordinated notes and debentures...........................................................................................................		4200	0	2.d.
e. Total interest expense (sum of items 2.a through 2.d)..................................................................................................		4073	4,551	2.e.
3. Net interest income (item 1.h minus 2.e).....................................................................................	4074	42,939			3.
4. Provision for loan and lease losses (3)..........................................................................................	JJ33	7,596			4.

1 Includes interest and fee income on "Loans to depository institutions and acceptances of other banks," "Loans to finance agricultural production and other loans to farmers," "Obligations (other than securities and leases) of states and political subdivisions in the U.S.," and "Loans to nondepository financial institutions and other loans."

Includes interest income on time certificates of deposit not held for trading.

Institutions that have adopted ASU 2016-13 should report in item 4 the provisions for credit losses on all financial assets and off-balance-sheet credit exposures that fall within the scope of the standard.

Reporting Period: December 31, 2021

January 30, 2022 9:31 PM

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Centric Financial Corp. published this content on 24 February 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 24 February 2022 22:53:14 UTC.

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Centric Financial : Bank Call Report 123121

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