Vitals
  • Total Assets
    300.8M 13.8 %
  • Total Deposits
    280.0M 14.6 %
  • Total Net Loans
    173.7M 10.1 %
  • Net Income
    1.2M 3.2 %
  • Book Value
    18.8M 1.4 %
  • Book Value x2
    37.6M 1.4 %
  • Book Value x3
    56.4M 1.4 %
ROAA

.554

ROAE

8.213

Efficiency Ratio

69.479

Net Interest Margin

2.758

Balance Sheet Highlights
Financial Highlights First National Bank All Insured Commercial Banks in Virginia
Balance Sheet $(000)
Total Assets 300,786 364,717
Total Net Loans 173,700 263,512
Total Deposits 280,028 292,857
Total Equity 18,789 37,688
Profitability
Net Income 1,152 14,801
Return on Average Assets .554 1.119
Return on Average Equity 8.213 11.312
Net Interest Margin 2.758 4.223
Efficiency Ratio 69.479 66.252
Noninterest Income/Revenue 4.304 13.317
Balance Sheet Ratios
Loan-to-Deposit 62.03 85.949
Securities/Assets .197 .599
Total Equity/Total Assets .062 .103
Tangible Equity/Tangible Assets .062 -.198
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 18,789 34,382
Tier 2 Capital 1,920 3,131
Total Capital 20,709 37,707
Total Risk Weighted Assets 180,880 277,728
Leverage Ratio 6.61 10.506
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 10.39 14.084
Total Capital Ratio 11.45 15.254

Timeline for First National Bank

Carter Bank & Trust

First National Bank was acquired by Carter Bank & Trust 17 years

View Profile Dec 30 2006

First National Exchange Bank

First National Bank was acquired by First National Exchange Bank 26 years

View Profile May 01 1998

The First National Bank Of New Castle

Acquisition: First National Bank acquired a new subsidiary, The First National Bank Of New Castle, 40 years

View Profile Nov 01 1983

First National Bank

First National Bank was established 49 years ago and is currently headquartered in Rocky Mount, VA.

Dec 13 1974
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Carter Bank & Trust Buyer 4,743,943 Acquisition Discontinued 12/30/2006
First National Exchange Bank Buyer 213,232 Split 5/1/1998
The First National Bank Of New Castle Seller 11,232 Discontinued 11/1/1983
Relationships Role Relationship Start Relationship End
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