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Ledger


Seminar

Ann Stalbird, financial adviser for Edward Jones in Woodstock, will be presenting "Making Your Money Last" at the Health and Finance Seminar 6 p.m. Nov. 12 at Joe's Steakhouse.

Sarona Irvin, a representative of Juice Plus+, will also discuss Juice Plus+.

Call 459-2227 to reserve a seat.

Recognition

Hunter's Head Tavern in Upperville is now a two-star certified green restaurant by the Green Restaurant Association.

To receive a green certification, restaurants must fulfill certain requirements. To meet these requirements, the restaurant acquires points for sections such as water efficiency, waste reduction and recycling, sustainable food, disposables and chemical and pollution reduction. A restaurant must receive a minimum of 100 points to earn a two-star certification.

Establishments are also rewarded for serving local, and it is required that the restaurant be a Styrofoam-free environment.

Hunter's Head Tavern earned the most "GreenPoints" of any certified green restaurant in Virginia, according to Michael Oshman, CEO and founder of the Green Restaurant Association.

Green restaurants can add stars to their certification, with 175 points required for three stars, and 300 points needed to become four-star certified.

Local Stocks

First National Corporation, the parent company of First Bank, recently announced a profitable third quarter for 2012.

Net income for the quarter totaled $688,000, compared to a net loss of $2.9 million for the third quarter of 2011. Net income available to common shareholders totaled $462,000, or $0.09 per basic and diluted share, for the third quarter of this year, a significant improvement over the net loss of $3.1 million ($1.05 per basic and diluted share) for the same quarter a year ago.

The improvement in earnings was attributable to an improvement in asset quality, which resulted in a decrease in the provision for loan losses to $805,000, compared to $5.6 million for the same quarter in 2011.

The provision for other real estate owned decreased $901,000 to $26,000, and return on average assets was 0.52 percent. Return on average equity was 6.11 percent.

This was First National's third consecutive profitable quarter.

Promotion

Cracker Barrel Old Country Store, Inc. recently announced the promotion of Mandy Waybright to general manager of its Woodstock location.

Waybright has been with the company since 2005, most recently as part of the Woodstock store's management team.

Before joining Cracker Barrel, she had four years experience in the restaurant industry.


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