Attached files
| file | filename |
|---|---|
| EX-21 - EX-21 - FIRST COMMUNITY BANKSHARES INC /VA/ | d117373dex21.htm |
| EX-32 - EX-32 - FIRST COMMUNITY BANKSHARES INC /VA/ | d117373dex32.htm |
| EX-23.1 - EX-23.1 - FIRST COMMUNITY BANKSHARES INC /VA/ | d117373dex231.htm |
| EX-31.1 - EX-31.1 - FIRST COMMUNITY BANKSHARES INC /VA/ | d117373dex311.htm |
| 10-K - 10-K - FIRST COMMUNITY BANKSHARES INC /VA/ | d117373d10k.htm |
| EX-31.2 - EX-31.2 - FIRST COMMUNITY BANKSHARES INC /VA/ | d117373dex312.htm |
Exhibit 12
STATEMENT REGARDING COMPUTATION OF RATIOS
| Cash Dividends Per Share | = | Dividends Paid to Common Shareholders/Average Common Shares Outstanding | ||
| Book Value Per Share | = | Total Shareholders’ Equity/As-Converted 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 to Common Shareholders/Net Income Available to Common Shareholders | ||
| Average Shareholders’ Equity to Average Assets | = | Average Shareholders’ Equity/Average Assets | ||
| Common Equity Tier 1 Capital Ratio | = | (Shareholders’ Equity Plus Qualifying Subordinated Debt) – Intangible Assets – Securities Market-to-market Capital Reserve (Tier 1 Capital)/ Risk Adjusted Assets | ||
| Total Risk-Based Capital Ratio | = | Tier 1 Capital Plus Allowance for Loan Losses/Risk Adjusted Assets | ||
| Leverage Ratio | = | Tier 1 Capital/Average Assets | ||
| Net Charge-offs to Average Loans | = | (Gross Charge-offs Less Recoveries)/Average Net Loans | ||
| Nonperforming Loans to Total Loans | = | (Nonaccrual Loans, Loans Past Due 90 Days or Greater, Plus Unseasoned Restructured Loans)/Gross Loans Net of Unearned Interest | ||
| Nonperforming Assets to Total Loans and OREO | = | (Nonaccrual Loans, Loans Past Due 90 Days or Greater, Unseasoned Restructured Loans, Plus OREO)/Gross Loans Net of Unearned Interest plus OREO | ||
| Allowance for Loan Losses to Total Loans | = | Allowance for Loan Losses/(Gross Loans Net of Unearned Interest) | ||
| Allowance for Loan Losses to Nonperforming Assets | = | Allowance for Loan Losses/(Nonaccrual Loans, Loans Past Due 90 Days or Greater, Unseasoned Restructured Loans, Plus OREO) | ||
| Allowance for Loan Losses to Nonperforming Loans | = | Allowance for Loan Losses/(Nonaccrual Loans plus Nonperforming Loans) | ||
| Net Interest Margin | = | Tax Equivalent Net Interest Income/Average Earning Assets | ||