Attached files
| file | filename |
|---|---|
| 10-K/A - FORM 10-K/A - FIRST COMMUNITY BANKSHARES INC /VA/ | l40436e10vkza.htm |
| EX-32 - EX-32 - FIRST COMMUNITY BANKSHARES INC /VA/ | l40436exv32.htm |
| EX-23.1 - EX-23.1 - FIRST COMMUNITY BANKSHARES INC /VA/ | l40436exv23w1.htm |
| EX-31.2 - EX-31.2 - FIRST COMMUNITY BANKSHARES INC /VA/ | l40436exv31w2.htm |
| EX-31.1 - EX-31.1 - FIRST COMMUNITY BANKSHARES INC /VA/ | l40436exv31w1.htm |
Exhibit 12
Computation
of Ratios
|
Basic Earnings (Loss) Per Share
|
= | Net Income (Loss) Available to Common Shareholders/ Weighted Average Common Shares Outstanding | ||
|
Diluted Earnings (Loss) Per Share
|
= | Net Income (Loss) Available to Common Shareholders/ Weighted Average Diluted Shares Outstanding | ||
|
Cash Dividends Per Share
|
= | Dividends Paid to Common Shareholders/Average Common Shares Outstanding | ||
|
Book Value Per Share
|
= | Total Common Shareholders’ Equity/Common Shares Outstanding | ||
|
Return on Average Assets
|
= | Net Income/Average Assets | ||
|
Return on Average Shareholders’ Equity
|
= | Net Income/Average Shareholders’ Equity | ||
|
Efficiency Ratio (GAAP)
|
= | Noninterest Expense/(Net Interest Income Plus | ||
| Noninterest Income) | ||||
|
Efficiency Ratio (Non-GAAP)
|
= | See schedule under Item 7 — Management’s Discussion and Analysis of Financial Condition and Results of Operations | ||
|
Loans to Deposits
|
= | Average Net Loans/Average Deposits Outstanding | ||
|
Dividend Payout
|
= | Dividends Declared/Net Income Available to Common Shareholders | ||
|
Average Shareholders’ Equity to Average Assets
|
= | Average Shareholders’ Equity/Average Assets | ||
|
Tier I Capital Ratio
|
= | (Shareholders’ Equity + Qualifying Subordinated Debt) -Intangible Assets - Securities Market-to-market Capital Reserve (Tier I Capital)/ Risk Adjusted Assets | ||
|
Total Capital Ratio
|
= | Tier I Capital Plus Allowance for Loan | ||
| Losses/Risk Adjusted Assets | ||||
|
Tier I Leverage Ratio
|
= | Tier I Capital/Average Assets | ||
|
Net Charge-offs to Average Loans
|
= | (Gross Charge-offs Less Recoveries)/Average Net Loans | ||
|
Non-performing Loans to Total Loans
|
= | (Nonaccrual Loans Plus Loans Past Due 90 Days or Greater)/Gross Loans Net of Unearned Interest | ||
|
Non-performing Assets to Total Loans Plus OREO
|
= | (Nonaccrual Loans Plus Loans Past Due 90 Days or Greater Plus OREO)/Net Loans plus OREO | ||
|
Allowance for Loan Losses to Total Loans
|
= | Allowance for Loan Losses/(Gross Loans Net of Unearned Interest) | ||
|
Allowance for Loan Losses to Non-performing Assets
|
= | Allowance for Loan Losses/(Nonaccrual Loans plus Loans Past Due 90 days or Greater plus OREO) | ||
|
Allowance for Loan Losses to Non-performing Loans
|
= | Allowance for Loan Losses/(Nonaccrual Loans plus Performing Loans) | ||
|
Net Interest Margin
|
= | Tax Equivalent Net Interest Income/Average Earning Assets |
114