First Community Bankshares (FCBC) 10-K2010 FY Annual report

Filed: 11 Mar 11, 12:00am

Content analysis

Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability	H.S. freshman Bad

New words: absolute, acknowledged, addressed, apt, borne, broader, budgeted, buffer, Bureau, ceiling, Centra, CEO, CFO, CFPB, Chairman, circumvention, clawback, codified, collusion, conceived, consummate, Council, countercyclical, County, creation, creditworthy, decision, deconsolidation, desirable, disaggregated, disaggregation, disallow, divestiture, elevated, Elmore, expose, extremely, faulty, filer, floor, footprint, FTE, grow, hazard, healthcare, IMCR, inappropriate, injection, injury, insolvency, Interactive, internationally, interrelated, joint, Katz, Leader, left, liable, machine, manufacturing, mark, matrix, Mention, Middleburg, military, mistake, necessitate, nominate, nonviable, ordinary, oriented, override, pending, persist, Pinnacle, preclude, preemption, Premier, proceeding, publicly, published, qualification, Realtor, Realty, reevaluated, release, remedial, remediated, remediation, Repeal, Restatement, restating, retesting, room, routine, routinely, salvage, sampled, Samuel, scorecard, seasoned, shell, shorter, simple, simply, site, strain, Street, stressed, strict, stricter, stringent, substandard, telephone, transportation, travel, umbrella, unchanged, unclear, uncorrected, unlimited, unpledged, unseasoned, upgrade, Wall, Washington, Web, zone

Removed: absent, ActRule, alerting, Attorney, August, bidding, Bowling, Brewster, Cameron, Caruth, checking, Clark, concert, conduit, contractor, duly, Energy, exit, expired, Footnote, Frameworkissued, Furnished, Gary, half, herewith, inapplicable, inclined, indemnification, inInternal, Integrated, Kersey, mechanism, Moore, nonperforming, onForm, opened, outsourced, partnership, penalty, pension, prime, Professional, profit, reclassification, registration, restrictive, retired, slightly, theForm, thereunto, Top, treated, twelve, undersigned, vehicle

Search this filing

Filing tables

Export all tables to Excel

Filing exhibits

Related press release

FCBC similar filings

Filing view

Default size S M L
Default font Times Arial

External links

Share this filing

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 Plus 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, Loans Past Due 90 Days or
		Greater, Plus Unseasoned Restructured Loans)/Gross Loans Net of Unearned Interest

Non-performing Assets to Total Loans Plus OREO	=	(Nonaccrual Loans, Loans Past Due 90 Days or
		Greater, Unseasoned Restructured Loans, 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, Loans Past Due 90 Days or Greater, Unseasoned Restructured Loans, Plus OREO)

Allowance for Loan Losses to Non-performing Loans	=	Allowance for Loan Losses/(Nonaccrual Loans plus Non-performing Loans)

Net Interest Margin	=	Tax Equivalent Net Interest Income/Average Earning Assets

We use cookies on this site to provide a more responsive and personalized service. Continuing to browse, clicking I Agree, or closing this banner indicates agreement. See our Cookie Policy for more information.