Performance Ratios (%) FCBC Peer Median Peer Average
ROAA 1.12 0.88 0.89
ROAE 7.72 8.05 7.88
Net Interest Margin 4.18 3.60 3.64
Efficiency Ratio 58.77 61.94 61.88
Loans / Deposits 98.60 94.64 90.40
Asset Quality Ratios (%)
NPAs / Assets 1.29 1.14 1.27
NCOs / Avg Loans 0.17 0.11 0.10
Reserves / Loans 1.05 0.81 0.84
Reserves / NPAs 62.51 46.37 77.70
Capital Ratios (%)
Tier 1 Capital 13.90 11.90 13.73
Tangible Equity / Tangible Assets 11.02 9.36 10.06
Total Equity / Total Assets 14.85 11.20 11.41
Market Ratios
Price / Earnings (x) 18.85 21.19 20.74
Price / Book (%) 142.58 164.73 174.30
Dividend Yield (%) 2.43 1.65 1.67
Data for trailing four quarters

First Community Bancshares, Inc.'s peer group consists of the following: City Holding Company (CHCO), CommunityOne Bancorp (COB), First Bancorp (FBNC), National Bankshares, Inc. (NKSH), NewBridge Bancorp (NBBC), Peoples Bancorp of North Carolina, Inc. (PEBK), Summit Financial Group, Inc. (SMMF), Union Bankshares Corporation (UBSH)

First Community Bancshares, Inc.'s financial data is as of 9/30/2017.

Peer financial data is as of 9/30/2017 except for these companies:

NewBridge Bancorp's financial data is as of 12/31/2015.
Union Bankshares Corporation's financial data is as of 12/31/2017.
CommunityOne Bancorp's financial data is as of 6/30/2016.
Peoples Bancorp of North Carolina, Inc.'s financial data is as of 12/31/2017.