First Community Bankshares (FCBC) 10-K2009 FY Annual report

Filed: 4 Mar 10, 12:00am

Content analysis

Positive
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Readability	8th grade Bad

New words: Alcoholic, ASC, Assembly, Atlantic, Auditor, augmented, authoritative, avoid, awaiting, aware, BancTrust, Bankcorp, Basel, Beverage, BNC, Burke, Cadence, captured, Cardinal, Carter, cease, CenterState, charter, chose, Citing, Codification, Colony, column, Commerce, Commissioner, compatible, concept, conclusion, confronted, constant, content, covert, Crescent, deficiency, deflator, depleted, derecognizing, detrimentally, devaluation, disproportionate, documentation, doubt, education, element, environmental, erosion, evolving, excessive, fail, FHLBA, Fidelity, Florida, FNB, foreclosed, Foster, frequently, Granite, Great, Green, Hampton, Herbert, hire, human, imminent, inaccurate, inactive, inconsistent, increasingly, indentified, inexpensive, inRule, inspection, instance, insufficiently, intense, intervention, IRLC, issuable, jeopardize, lawmaking, levied, literature, lock, macro, MBS, Mende, micro, motivate, NewBridge, Nexity, nonaccretable, nonaccrual, notified, numeric, occupied, OCI, OREO, OTTI, Overview, PAB, Palmetto, path, people, pipeline, pose, prevalence, profile, promptly, proprietary, ramping, rapid, reassessed, refinement, reinstituted, Renasant, representation, robust, roll, rolling, Rulemaking, safety, Savannah, SCBT, scenario, Seacoast, Senate, Shelby, sizeable, skilled, Southeastern, Southern, speed, statutorily, StellarOne, straight, Subtopic, Summit, superseding, supervisor, switch, tailored, thirty, Thrift, TIB, timber, Topic, tourism, TowneBank, TriStone, undermine, unencumbered, unexpected, unified, Union, unique, unprecedented, unreasonable, unsatisfactory, vacant, vast, Vernon, vi, voluntary, warehouse, Wilson, window, writedown, wrote, Yadkin

Removed: abreast, arrangement, array, assure, borrowing, carry, client, close, Clyde, code, concentrated, de, diversification, Drilling, EITF, eligible, expanding, FIN, formed, Gasco, grown, installment, interim, legislative, location, migration, modification, movement, novo, overfunded, Park, permitted, political, popularity, positively, postretirement, proportion, Ratliff, reached, reaching, recruitment, reducing, relocating, Rowlesburg, slowdown, Southwestern, staffing, steady, stop, stream, SUBMISSION, submitted, Summersville, supplemented, true, underfunded, unit, upward, vote

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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

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