Cash flow City Holding Company

Stocks

CHCO

US1778351056

Banks

Market Closed - Nasdaq 16:00:00 2026-10-02 EDT			5-day change	1st Jan Change
142.82 ^USD	+1.01%		+0.60%	+19.82%

09-30	City Holding Company Increases Quarterly Dividend, Payable on October 30, 2026	CI
09-30	City Holding Company Announces Appointment of Jessica Alsop as Director, Effective September 30, 2026	CI

36a1033a0b7018f78c759a457294.u5gVHtoOcbp6kgZtFI4Pdush-fmdmaYJ_JdVYaC-U4g.j9VNK4BoFY0qwDUDfcZ8PLlbt8D8zvJZyuMUM-fXFfyK8n5xkW9IjEvISw

Published financial data: CITY HOLDING COMPANY

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Interest Income On Loans	137M	147M	213M	242M	252M
Interest Income On Investments	28.79M	43.15M	58.57M	64.91M	68.73M
Interest Income, Total	165M	190M	271M	306M	321M
Interest On Deposits	9.4M	7.44M	37.29M	64.53M	65.36M
Total Interest On Borrowings	489K	2.21M	14.74M	21.66M	19.46M
Interest Expense, Total	9.89M	9.66M	52.02M	86.19M	84.81M
Net Interest Income	156M	180M	219M	220M	236M
Trust Income	8.42M	8.8M	9.56M	11.26M	12.34M
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	816K	-1.58M	-4.48M	-2.65M	-401K
Total Other Non Interest Income	60.41M	64.86M	65.54M	64.73M	65.82M
Non Interest Income, Total	69.64M	72.08M	70.63M	73.33M	77.76M
Revenues Before Provison For Loan Losses	225M	252M	290M	294M	314M
Provision For Loan Losses	-3.16M	474K	3.24M	1.82M	-1.4M
Total Revenues	228M	252M	287M	292M	316M
Salaries And Other Employee Benefits	57.8M	62.58M	68.87M	71.86M	74.45M
Occupancy Expense	-	-	-	-	-
Federal Deposit Insurance	1.58M	1.67M	2.92M	2.89M	3.05M
Selling General & Admin Expenses, Total	36.71M	38.79M	39.27M	40.13M	34.14M
(Income) Loss on Real Estate Property	-57K	59K	28K	246K	257K
Total Other Non Interest Expense	21.14M	20.94M	27.28M	32.11M	39.31M
Non Interest Expense, Total	117M	124M	138M	147M	151M
EBT, Excl. Unusual Items	111M	128M	148M	145M	164M
Total Merger & Related Restructuring Charges	-	-268K	-5.15M	-	-2.9M
EBT, Incl. Unusual Items	111M	127M	143M	145M	161M
Income Tax Expense	23.11M	25.26M	28.74M	27.42M	30.98M
Earnings From Continuing Operations	88.08M	102M	114M	117M	130M
Net Income to Company	88.08M	102M	114M	117M	130M
Net Income - (IS)	88.08M	102M	114M	117M	130M
Preferred Dividend and Other Adjustments	843K	958K	1.04M	1.07M	1.16M
Net Income to Common Incl Extra Items	87.24M	101M	113M	116M	129M
Net Income to Common Excl. Extra Items	87.24M	101M	113M	116M	129M
Per Share Items
Net EPS - Basic	5.67	6.81	7.62	7.91	8.94
Basic EPS - Continuing Operations	5.67	6.81	7.62	7.91	8.94
Basic Weighted Average Shares Outstanding	15.38M	14.85M	14.87M	14.68M	14.47M
Net EPS - Diluted	5.66	6.8	7.61	7.89	8.93
Diluted EPS - Continuing Operations	5.66	6.8	7.61	7.89	8.93
Diluted Weighted Average Shares Outstanding	15.41M	14.87M	14.89M	14.7M	14.48M
Normalized Basic EPS	4.52	5.37	6.23	6.15	7.1
Normalized Diluted EPS	4.51	5.36	6.22	6.15	7.09
Dividend Per Share	2.34	2.5	2.73	3.01	3.32
Payout Ratio	41.03	35.96	34.97	37.13	36.24
Supplemental Items
Effective Tax Rate - (Ratio)	20.79	19.84	20.08	18.97	19.19
Current Domestic Taxes	20.93M	23.79M	31.5M	27.03M	31.03M
Total Current Taxes	20.93M	23.79M	31.5M	27.03M	31.03M
Deferred Domestic Taxes	-	-	-	-	-50K
Total Deferred Taxes	2.18M	1.47M	-2.76M	381K	-50K
Normalized Net Income	69.5M	79.75M	92.66M	90.32M	103M
Non-Cash Pension Expense	569K	256K	52K	62K	-96K
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	4.05M	3.96M	4.29M	4.51M	4.71M
Total Stock-Based Compensation	4.05M	3.96M	4.29M	4.51M	4.71M

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Assets
Cash And Equivalents	635M	200M	156M	225M	192M
Investment Securities, Total	359M	362M	319M	288M	270M
Trading Asset Securities, Total	29.03M	81.84M	60.53M	57.49M	35.09M
Mortgage Backed Securities	1.1B	1.21B	1.09B	1.21B	1.3B
Total investments	1.49B	1.65B	1.47B	1.55B	1.61B
Gross Loans	3.54B	3.65B	4.13B	4.27B	4.51B
Allowance For Loan Losses	-18.17M	-17.11M	-22.74M	-21.92M	-19.86M
Net Loans	3.53B	3.63B	4.1B	4.25B	4.49B
Gross Property Plant And Equipment	178M	177M	182M	177M	179M
Accumulated Depreciation	-104M	-106M	-110M	-107M	-110M
Net Property Plant And Equipment	74.07M	70.79M	72.15M	70.54M	69.13M
Goodwill	109M	109M	150M	150M	150M
Other Intangibles, Total	8.18M	6.79M	12.67M	10.28M	8.11M
Investment in FHLB	-	-	-	-	-
Accrued Interest Receivable	15.63M	18.29M	20.29M	20.65M	20.72M
Restricted Cash	-	-	-	-	-
Deferred Tax Assets Long-Term (Collected)	63K	44.88M	42.22M	41.7M	30M
Other Real Estate Owned And Foreclosed	1.32M	909K	731K	754K	482K
Other Long-Term Assets, Total	144M	145M	136M	135M	157M
Total Assets	6B	5.88B	6.17B	6.46B	6.72B
Liabilities
Interest Bearing Deposits	3.2B	3.25B	3.25B	3.36B	3.42B
Institutional Deposits	353M	272M	338M	442M	468M
Non-Interest Bearing Deposits	1.37B	1.35B	1.34B	1.34B	1.41B
Total Deposits	4.93B	4.87B	4.93B	5.14B	5.3B
Short-Term Borrowings	337M	356M	383M	377M	402M
Current Portion of Leases	-	-	-	-	1.11M
Federal Home Loan Bank Debt - Long-Term	-	-	100M	150M	150M
Long-Term Leases	-	-	-	-	7.58M
Trust Preferred Securities (BS)	-	-	-	-	-
Pension & Other Post Retirement Benefits	6M	5.53M	5.18M	4.86M	4.34M
Deferred Tax Liability Non-Current	-	-	-	-	-
Other Non Current Liabilities	54.52M	68.84M	68.12M	52.88M	46.27M
Total Liabilities	5.32B	5.3B	5.49B	5.73B	5.91B
Common Stock, Total	47.62M	47.62M	47.62M	47.62M	47.62M
Additional Paid In Capital	171M	171M	177M	177M	175M
Retained Earnings	642M	707M	780M	853M	935M
Treasury Stock	-194M	-216M	-218M	-230M	-271M
Comprehensive Income and Other	14.26M	-131M	-111M	-116M	-76.62M
Total Common Equity	681M	578M	677M	731M	810M
Total Equity	681M	578M	677M	731M	810M
Total Liabilities And Equity	6B	5.88B	6.17B	6.46B	6.72B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	15.07M	14.74M	14.82M	14.67M	14.35M
ECS Total Common Shares Outstanding	15.06M	14.79M	14.83M	14.71M	14.35M
Book Value / Share	45.22	39.08	45.65	49.69	56.41
Tangible Book Value	564M	462M	514M	571M	652M
Tangible Book Value Per Share	37.44	31.25	34.69	38.8	45.41
Average Assets	5.91B	5.98B	6.1B	6.35B	6.61B
Average Loans	3.55B	3.58B	3.9B	4.13B	4.35B
Total Debt	337M	356M	483M	527M	561M
Deposits at Interest - Cash	533M	132M	33.24M	108M	39.81M
Debt Equivalent of Unfunded Proj. Benefit Obligation	-409K	-231K	-1.3M	-2.74M	-3.58M
Net Debt	-327M	74.18M	267M	244M	334M
Equity Method Investments, Total	28.6M	42.1M	44.6M	43.8M	40M
Full Time Employees	905	909	957	941	934
Number Of Offices	94	94	98	97	96

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Net Income	88.08M	102M	114M	117M	130M
Depreciation, Depletion & Amortization	5.83M	5.32M	4.56M	4.22M	4.29M
Amortization of Goodwill and Intangible Assets - (CF)	1.47M	10.45M	6.16M	8.98M	6.89M
Total Depreciation, Depletion & Amortization	7.3M	15.78M	10.72M	13.2M	11.18M
Gain (Loss) on Sale of Loans & Receivables - (CF)	-349K	-325K	-147K	-114K	-288K
(Gain) Loss on Sale of Investments - (CF)	-816K	1.58M	4.48M	2.65M	401K
Total Asset Writedown	-	-	-	-	-
Provision for Credit Losses	-3.16M	474K	3.24M	1.82M	-1.4M
Stock-Based Compensation (CF)	3.12M	3.28M	3.21M	3.52M	3.38M
Tax Benefit from Stock Options	-579K	-292K	228K	387K	493K
Net (Increase) Decrease in Loans Originated / Sold - Operating	349K	325K	147K	114K	288K
Changes in Accrued Interest Receivable	166K	-2.66M	-1.14M	-360K	-68K
Change in Other Net Operating Assets (Collected)	-901K	-6.13M	5.29M	-6.87M	-12.95M
Other Operating Activities	9.06M	1.72M	-2.82M	443K	-146K
Cash from Operations	102M	116M	138M	132M	131M
Capital Expenditure	-3.32M	-2.14M	-2.96M	-2.71M	-2.92M
Sale of Property, Plant, and Equipment	367K	190K	283K	98K	42K
Cash Acquisitions	-	-	14.02M	-	-
Divestitures	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-264M	-308M	224M	-91.01M	-27.38M
Net (Increase) Decrease in Loans Originated / Sold - Investing	76.99M	-103M	-224M	-148M	-230M
Other Investing Activities, Total	-735K	2.69M	2.8M	-10.8M	-9.89M
Cash from Investing	-191M	-410M	14.68M	-252M	-270M
Short Term Debt Issued, Total	16.5M	-	37.39M	-	42.02M
Long-Term Debt Issued, Total	-	-	100M	50M	-
Total Debt Issued	16.5M	-	137M	50M	42.02M
Short Term Debt Repaid, Total	-	-21.49M	-	-9.2M	-
Long-Term Debt Repaid, Total	-	-	-	-	-742K
Total Debt Repaid	-	-21.49M	-	-9.2M	-742K
Issuance of Common Stock	691K	798K	-	694K	-
Repurchase of Common Stock	-58.68M	-26.45M	-60.13M	-17.9M	-45.76M
Common Dividends Paid	-36.14M	-36.7M	-39.99M	-43.48M	-47.29M
Common & Preferred Stock Dividends Paid	-36.14M	-36.7M	-39.99M	-43.48M	-47.29M
Net Increase (Decrease) in Deposit Accounts - (CF)	273M	-55.39M	-234M	210M	157M
Other Financing Activities, Total	-824K	-762K	1.07M	-636K	-
Cash from Financing	195M	-140M	-196M	189M	105M
Net Change in Cash	106M	-435M	-43.72M	69.11M	-33.47M
Supplemental Items
Cash Interest Paid	11.1M	9.47M	49.13M	83.8M	85.78M
Cash Income Tax Paid (Refund)	18.5M	22.43M	32.81M	28.04M	35.82M
Net Debt Issued / Repaid	16.5M	-21.49M	137M	40.8M	41.28M

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Profitability
Return on Assets	1.5	1.72	1.9	1.85	1.98
Return On Equity %	12.74	16.22	18.23	16.64	16.94
Return on Common Equity	12.62	16.06	18.06	16.48	16.79
Shareholders Value Added	6.62M	37.15M	48.45M	41.62M	46.77M
Margin Analysis
SG&A Margin	41.39	40.28	37.73	38.38	34.41
Net Interest Income / Total Revenues %	68.12	71.54	76.49	75.49	74.91
EBT Excl. Non-Recurring Items Margin %	48.69	50.71	51.72	49.53	52.09
Income From Continuing Operations Margin %	38.57	40.56	39.9	40.14	41.35
Net Income Margin %	38.57	40.56	39.9	40.14	41.35
Net Avail. For Common Margin %	38.2	40.18	39.54	39.77	40.98
Normalized Net Income Margin	30.43	31.69	32.33	30.96	32.55
Asset quality
Nonperforming Loans / Total Loans %	0.18	0.15	0.19	0.33	0.31
Nonperforming Loans / Total Assets %	0.1	0.09	0.13	0.22	0.21
Nonperforming Assets / Total Assets %	0.13	0.11	0.14	0.23	0.21
NPAs / Loans and OREO	0.21	0.17	0.21	0.35	0.32
NPAs / Equity	1.11	1.09	1.26	2.05	1.78
Allowance for Credit Losses / Net Charge-offs %	564.51	1.12K	9.4K	829.44	3.01K
Allowance for Credit Losses / Nonperforming Loans %	290.15	317.28	290.56	154.26	142.7
Allowance for Credit Losses / Total Loans %	0.51	0.47	0.55	0.51	0.44
Net Charge-offs / Total Average Loans %	0.09	0.04	0.01	0.06	0.02
Provision for Loan Losses / Net Charge-offs %	-98.35	30.94	1.34K	68.86	-212.12
Earning Assets / IBL	142.26	142.14	139.03	136.82	137.54
Interest Income / Average Assets	2.8	3.17	4.45	4.83	4.86
Interest Expense / Average Assets	0.17	0.16	0.85	1.36	1.28
Net Interest Income / Average Assets	2.63	3.01	3.59	3.47	3.58
Non Interest Income / Average Assets	1.18	1.21	1.16	1.16	1.18
Non Interest Expense / Average Asset	1.98	2.07	2.27	2.32	2.29
Capital And Funding
Total Average Common Equity / Total Average Assets %	11.75	10.6	10.42	11.15	11.69
Total Average Equity / Total Average Assets %	11.75	10.6	10.42	11.15	11.69
Total Equity + Allowance for Loan Losses / Total Loans %	19.73	16.32	16.96	17.61	18.41
Gross Loans / Total Deposits %	71.95	74.87	83.62	83.1	85.02
Net Loans / Total Deposits %	71.58	74.52	83.16	82.67	84.65
Tier 1 Capital Ratio %	16.1	16.2	15.7	16.5	16.9
Total Capital Ratio %	16.5	16.6	16.2	17	17.4
Core Tier 1 Capital Ratio	16.1	16.2	15.7	16.5	16.9
Equity Tier 1 Capital Ratio	9.58	8.02	8.57	9.06	9.93
Coverage Ratio	-	-	-	-	-
Leverage Ratio %	9.4	10	10.2	10.6	11
Interbank Ratio	170.53	45.25	10.73	33.11	10.83
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	228.39	58.59	10.71	7.67	9.3
EBT + Interest Expense / Interest Expense	12.24	14.19	3.75	2.68	2.9
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	0.6	15.72	21.78	0.45	7.34
Non Interest Income, 1 Yr. Growth %	-15.77	3.5	-2.01	3.83	6.04
Provision For Loan Losses, 1 Yr. Growth %	-129.52	-114.98	584.18	-43.88	-176.92
Total Revenues, 1 Yr. Growth %	0.78	10.18	13.91	1.79	8.16
Earnings From Cont. Operations, 1 Yr. Growth %	-1.69	15.88	12.04	2.39	11.43
Net Income, 1 Yr. Growth %	-1.69	15.88	12.04	2.39	11.43
Normalized Net Income, 1 Yr. Growth %	-0.11	14.76	16.19	-2.52	13.73
Diluted EPS Before Extra, 1 Yr. Growth %	1.98	20.14	11.91	3.68	13.18
Dividend Per Share, 1 Yr. Growth %	2.18	6.84	9.2	10.26	10.3
Gross Loans, 1 Yr. Growth %	-2.16	2.89	13.15	3.61	5.43
Allowance For Loan Losses, 1 Yr. Growth %	-26	-5.82	32.95	-3.62	-9.4
Net Loans, 1 Yr. Growth %	-2	2.94	13.06	3.65	5.51
Non Performing Loans, 1 Yr. Growth %	-48.81	-13.88	45.18	81.54	-2.05
Non Performing Assets, 1 Yr. Growth %	-45.4	-16.87	35.84	74.85	-3.77
Total Assets, 1 Yr. Growth %	4.26	-2.09	4.93	4.72	4.06
Total Deposits, 1 Yr Growth %	5.87	-1.13	1.32	4.25	3.05
Tangible Book Value, 1 Yr. Growth %	-3.18	-18.06	11.34	10.91	14.23
Average Interest Earning Assets, 1 Yr. Growth %	10.26	0.28	0.82	4.36	4.94
Average Interest Bearing Liabilities, 1 Yr. Growth %	7.02	0.36	3.08	6.04	4.4
Common Equity, 1 Yr. Growth %	-2.85	-15.16	17.17	7.92	10.81
Total Equity, 1 Yr. Growth %	-2.85	-15.16	17.17	7.92	10.81
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-1.81	7.9	18.71	10.6	3.84
Non Interest Income, 2 Yr. CAGR %	0.84	-6.63	0.71	0.87	4.93
Provision For Loan Losses, 2 Yr. CAGR %	59.12	-78.97	1.22	95.95	-34.3
Total Revenues, 2 Yr. CAGR %	-0.59	5.38	12.03	7.68	4.93
Earnings From Cont. Operations, 2 Yr. CAGR %	-0.71	6.74	13.95	7.11	6.82
Net Income, 2 Yr. CAGR %	-0.71	6.74	13.95	7.11	6.82
Normalized Net Income, 2 Yr. CAGR %	-1.36	7.07	15.47	6.42	5.29
Diluted EPS Before Extra, 2 Yr. CAGR %	2.19	10.69	15.95	7.72	8.33
Dividend Per Share, 2 Yr. CAGR %	3.13	4.48	8.01	9.73	10.28
Gross Loans, 2 Yr. CAGR %	-1	0.33	7.9	8.28	4.52
Allowance For Loan Losses, 2 Yr. CAGR %	25.2	-16.52	11.9	13.2	-6.55
Net Loans, 2 Yr. CAGR %	-1.1	0.44	7.88	8.25	4.57
Non Performing Loans, 2 Yr. CAGR %	-27.03	-33.61	11.82	62.34	33.35
Non Performing Assets, 2 Yr. CAGR %	-32.07	-32.63	6.26	54.11	29.71
Total Assets, 2 Yr. CAGR %	9.37	1.03	1.36	4.83	4.39
Total Deposits, 2 Yr CAGR %	9.93	2.31	0.09	2.78	3.65
Tangible Book Value, 2 Yr. CAGR %	2.41	-10.93	-4.49	11.12	12.56
Average Interest Earning Assets, 2 Yr. CAGR %	9.73	5.15	0.55	2.57	4.65
Average Interest Bearing Liabilities, 2 Yr. CAGR %	5.36	3.64	1.71	4.55	5.22
Common Equity, 2 Yr. CAGR %	1.74	-9.21	-0.3	12.45	9.36
Total Equity, 2 Yr. CAGR %	1.74	-9.21	-0.3	12.45	9.36
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	4.02	3.72	12.34	12.28	9.5
Non Interest Income, 3 Yr. CAGR %	4.77	1.72	-5.12	1.74	2.56
Provision For Loan Losses, 3 Yr. CAGR %	11.07	-27.62	-32.87	-16.84	43.48
Total Revenues, 3 Yr. CAGR %	4.33	2.88	8.15	8.51	7.84
Earnings From Cont. Operations, 3 Yr. CAGR %	7.96	4.54	8.48	9.96	8.53
Net Income, 3 Yr. CAGR %	7.96	4.54	8.48	9.96	8.53
Normalized Net Income, 3 Yr. CAGR %	3.16	3.74	10.02	9.13	8.81
Diluted EPS Before Extra, 3 Yr. CAGR %	8.02	7.85	11.1	11.71	9.51
Dividend Per Share, 3 Yr. CAGR %	5.73	4.35	6.03	8.76	9.92
Gross Loans, 3 Yr. CAGR %	-0.41	0.28	4.44	6.45	7.32
Allowance For Loan Losses, 3 Yr. CAGR %	4.4	13.86	-2.51	6.46	5.1
Net Loans, 3 Yr. CAGR %	-0.43	0.23	4.48	6.45	7.33
Non Performing Loans, 3 Yr. CAGR %	-24.94	-22.88	-13.82	31.42	37.18
Non Performing Assets, 3 Yr. CAGR %	-26.91	-27.34	-14.89	25.45	31.72
Total Assets, 3 Yr. CAGR %	7.01	5.41	2.32	2.47	4.57
Total Deposits, 3 Yr CAGR %	7.4	6.11	1.98	1.46	2.87
Tangible Book Value, 3 Yr. CAGR %	5.67	-4.93	-4.05	0.39	12.15
Average Interest Earning Assets, 3 Yr. CAGR %	11.28	6.49	3.69	1.8	3.36
Average Interest Bearing Liabilities, 3 Yr. CAGR %	7.93	3.66	3.45	3.13	4.5
Common Equity, 3 Yr. CAGR %	4.27	-4.24	-1.16	2.37	11.9
Total Equity, 3 Yr. CAGR %	4.27	-4.24	-1.16	2.37	11.9
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	5.52	7.38	9.67	6.42	8.86
Non Interest Income, 5 Yr. CAGR %	3.43	2.53	3.12	1.38	-1.22
Provision For Loan Losses, 5 Yr. CAGR %	-6.36	-30.89	7.02	7.8	-33.45
Total Revenues, 5 Yr. CAGR %	5.67	6.15	7.35	4.77	6.85
Earnings From Cont. Operations, 5 Yr. CAGR %	11.06	13.45	10.32	5.56	7.81
Net Income, 5 Yr. CAGR %	11.06	13.45	10.32	5.56	7.81
Normalized Net Income, 5 Yr. CAGR %	7.57	7.06	7.92	4.81	8.11
Diluted EPS Before Extra, 5 Yr. CAGR %	10.41	14.34	11.13	7.8	9.98
Dividend Per Share, 5 Yr. CAGR %	6.35	7.03	6.63	6.47	7.71
Gross Loans, 5 Yr. CAGR %	3.07	3.12	2.84	3.4	4.47
Allowance For Loan Losses, 5 Yr. CAGR %	-1.64	-1.91	7.33	13.6	-4.15
Net Loans, 5 Yr. CAGR %	3.1	3.15	2.81	3.36	4.52
Non Performing Loans, 5 Yr. CAGR %	-14.97	-12.58	-11.97	3.86	2.62
Non Performing Assets, 5 Yr. CAGR %	-16.5	-14.93	-15.11	-1.85	0.74
Total Assets, 5 Yr. CAGR %	8.55	7.3	4.71	5.18	3.14
Total Deposits, 5 Yr CAGR %	8.79	7.99	4.42	4.77	2.65
Tangible Book Value, 5 Yr. CAGR %	9.19	1.74	1.49	1.19	2.27
Average Interest Earning Assets, 5 Yr. CAGR %	9.66	8.09	6.86	4.9	4.07
Average Interest Bearing Liabilities, 5 Yr. CAGR %	7.34	6.09	5.4	4.02	4.15
Common Equity, 5 Yr. CAGR %	9.01	2.83	2.42	2.12	2.92
Total Equity, 5 Yr. CAGR %	9.01	2.83	2.42	2.12	2.92