Cash flow ENTERPRISE BANCORP

Stocks

EBTC

US2936681095

Banks

Market Closed - Nasdaq 16:00:00 2025-06-30 EDT			5-day change	1st Jan Change
39.64 ^USD	-0.75%		-.--%	-

25-07-07	Enterprise Bancorp, Inc.(NasdaqGS:EBTC) dropped from S&P Global BMI Index	CI
25-07-07	Enterprise Bancorp, Inc.(NasdaqGS:EBTC) dropped from S&P TMI Index	CI

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Published financial data: ENTERPRISE BANCORP

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020 (USD)	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)
Interest Income On Loans	131M	133M	136M	173M	208M
Interest Income On Investments	13.75M	15.82M	24.98M	28.52M	21.89M
Interest Income, Total	145M	149M	161M	201M	230M
Interest On Deposits	11.6M	3.92M	5.71M	44.39M	76.51M
Total Interest On Borrowings	3.11M	3.56M	3.4M	3.58M	5.89M
Interest Expense, Total	14.71M	7.48M	9.12M	47.97M	82.41M
Net Interest Income	130M	142M	152M	153M	148M
Service Charges On Deposits	6.43M	6.97M	8.2M	8.48M	8.88M
Trust Income	5.82M	6.79M	6.53M	6.73M	7.89M
Gain (Loss) on Sale of Loans	1.41M	833K	30K	34K	156K
Income (Loss) on Real Estate Property	-	1.13M	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	178K	374K	-2.49M	-1.75M	1.14M
Total Other Non Interest Income	3.42M	3.86M	6.19M	4.12M	4.82M
Non Interest Income, Total	17.25M	19.95M	18.46M	17.61M	22.88M
Revenues Before Provison For Loan Losses	147M	162M	170M	171M	171M
Provision For Loan Losses	12.5M	1.77M	5.8M	9.25M	1.98M
Total Revenues	135M	160M	164M	161M	169M
Salaries And Other Employee Benefits	61.39M	66.45M	71.91M	72.11M	78.09M
Stock-Based Compensation (IS)	286K	252K	254K	218K	190K
Occupancy Expense	7.25M	8.15M	7.7M	8.12M	7.97M
Federal Deposit Insurance	2.12M	1.91M	1.78M	2.71M	3.57M
Selling General & Admin Expenses, Total	16.01M	17.8M	19.16M	19.16M	18.58M
Total Other Non Interest Expense	6.2M	6.86M	7.5M	7.88M	7.6M
Non Interest Expense, Total	93.25M	101M	108M	110M	116M
EBT, Excl. Unusual Items	41.63M	58.32M	56.15M	51.24M	52.76M
Total Merger & Related Restructuring Charges	-	-	-	-	-1.14M
Other Unusual Items	-	-2.56M	-	-	-
EBT, Incl. Unusual Items	41.63M	55.76M	56.15M	51.24M	51.63M
Income Tax Expense	10.17M	13.59M	13.43M	13.19M	12.89M
Earnings From Continuing Operations	31.46M	42.17M	42.72M	38.06M	38.73M
Net Income to Company	31.46M	42.17M	42.72M	38.06M	38.73M
Net Income - (IS)	31.46M	42.17M	42.72M	38.06M	38.73M
Net Income to Common Incl Extra Items	31.46M	42.17M	42.72M	38.06M	38.73M
Net Income to Common Excl. Extra Items	31.46M	42.17M	42.72M	38.06M	38.73M
Per Share Items
Net EPS - Basic	2.64	3.51	3.53	3.11	3.13
Basic EPS - Continuing Operations	2.64	3.51	3.53	3.11	3.13
Basic Weighted Average Shares Outstanding	11.9M	12.01M	12.1M	12.22M	12.39M
Net EPS - Diluted	2.64	3.5	3.52	3.11	3.12
Diluted EPS - Continuing Operations	2.64	3.5	3.52	3.11	3.12
Diluted Weighted Average Shares Outstanding	11.92M	12.05M	12.15M	12.24M	12.4M
Normalized Basic EPS	2.19	3.04	2.9	2.62	2.66
Normalized Diluted EPS	2.18	3.02	2.89	2.62	2.66
Dividend Per Share	0.7	0.74	0.82	0.92	0.96
Payout Ratio	22.59	18.09	19.95	25.58	26.53
Supplemental Items
Effective Tax Rate - (Ratio)	24.44	24.37	23.92	25.73	24.97
Current Domestic Taxes	15.85M	14.56M	16.6M	15.19M	13.01M
Total Current Taxes	15.85M	14.56M	16.6M	15.19M	13.01M
Deferred Domestic Taxes	-5.68M	-970K	-3.17M	-2M	-113K
Total Deferred Taxes	-5.68M	-970K	-3.17M	-2M	-113K
Normalized Net Income	26.02M	36.45M	35.09M	32.03M	32.98M
Non-Cash Pension Expense	135K	61K	-12K	48K	54K
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	190K	187K	206K	175K	130K
Stock-Based Comp., Other (Total)	1.72M	1.87M	2.15M	2.09M	2.18M
Total Stock-Based Compensation	1.9M	2.06M	2.36M	2.27M	2.31M

Fiscal Period: December	2020 (USD)	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)
Assets
Cash And Equivalents	254M	437M	268M	56.59M	83.84M
Investment Securities, Total	257M	449M	392M	315M	292M
Trading Asset Securities, Total	2.29M	528K	782K	630K	321K
Mortgage Backed Securities	326M	510M	428M	354M	301M
Total investments	585M	959M	821M	669M	594M
Gross Loans	3.09B	2.93B	3.19B	3.57B	3.99B
Allowance For Loan Losses	-44.56M	-47.7M	-52.64M	-59M	-63.5M
Other Adjustments to Gross Loans	-13.39M	-7.5M	-5.2M	-5.4M	-4.1M
Net Loans	3.03B	2.87B	3.13B	3.51B	3.92B
Gross Property Plant And Equipment	116M	126M	131M	137M	139M
Accumulated Depreciation	-50.39M	-56.59M	-61.88M	-67.06M	-72M
Net Property Plant And Equipment	65.15M	68.98M	69.15M	69.75M	66.57M
Goodwill	5.66M	5.66M	5.66M	5.66M	5.66M
Investment in FHLB	1.9M	2.16M	2.34M	2.4M	7.09M
Loans Held For Sale	371K	-	-	200K	520K
Accrued Interest Receivable	16.08M	13.35M	17.12M	19.23M	20.55M
Restricted Cash	-	-	-	-	-
Other Current Assets, Total	14.1M	6.76M	11.31M	20.14M	13.66M
Deferred Tax Assets Long-Term (Collected)	11.29M	19.64M	51.98M	49.17M	49.1M
Other Long-Term Assets, Total	31.36M	62.95M	64.16M	65.46M	67.42M
Total Assets	4.01B	4.45B	4.44B	4.47B	4.83B
Liabilities
Accrued Expenses, Total	25.54M	30.54M	26.29M	36.46M	28.34M
Interest Bearing Deposits	2.32B	2.56B	2.57B	2.68B	2.8B
Institutional Deposits	68.07M	52.05M	99.43M	225M	307M
Non-Interest Bearing Deposits	1.16B	1.36B	1.36B	1.07B	1.08B
Total Deposits	3.55B	3.98B	4.04B	3.98B	4.19B
Short-Term Borrowings	5.1M	528K	855K	21.46M	682K
Current Portion of Long-Term Debt	4.32M	2.48M	-	-	-
Current Portion of Leases	1.24M	1.38M	1.41M	1.45M	1.46M
Long-Term Debt	73.74M	58.98M	59.48M	62.44M	65.2M
Federal Home Loan Bank Debt - Long-Term	458K	2.99M	2.91M	2.83M	148M
Long-Term Leases	16.3M	22.25M	23.01M	22.99M	22.39M
Accrued Interest Payable	1.94M	1.54M	2M	4.68M	9.06M
Other Non Current Liabilities	-	-	4.3M	7.1M	4.4M
Total Liabilities	3.68B	4.1B	4.16B	4.14B	4.47B
Common Stock, Total	119K	120K	121K	123K	124K
Additional Paid In Capital	97.14M	100M	104M	107M	111M
Retained Earnings	215M	242M	275M	301M	328M
Comprehensive Income and Other	22.19M	4.66M	-96.21M	-79.76M	-78.91M
Total Common Equity	334M	347M	282M	329M	361M
Total Equity	334M	347M	282M	329M	361M
Total Liabilities And Equity	4.01B	4.45B	4.44B	4.47B	4.83B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	11.84M	11.94M	12.04M	12.15M	12.28M
ECS Total Common Shares Outstanding	11.82M	11.92M	12.03M	12.14M	12.27M
Book Value / Share	28.29	29.09	23.47	27.1	29.4
Tangible Book Value	329M	341M	277M	323M	355M
Tangible Book Value Per Share	27.81	28.62	23	26.64	28.94
Average Assets	3.82B	4.32B	4.43B	4.48B	4.71B
Average Loans	2.99B	2.97B	3.03B	3.33B	3.76B
Total Debt	101M	88.61M	87.67M	111M	237M
Deposits at Interest - Cash	213M	403M	231M	19.15M	41.15M
Debt Equivalent of Unfunded Proj. Benefit Obligation	1.92M	1.71M	1.42M	1.19M	970K
Net Debt	-155M	-348M	-181M	53.94M	153M
Full Time Employees	527	536	554	570	576
Number Of Offices	26	26	27	27	27

Fiscal Period: December	2020 (USD)	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)
Net Income	31.46M	42.17M	42.72M	38.06M	38.73M
Depreciation, Depletion & Amortization	6.78M	7.81M	7.04M	6.19M	5.61M
Total Depreciation, Depletion & Amortization	6.78M	7.81M	7.04M	6.19M	5.61M
Gain (Loss) on Sale of Loans & Receivables - (CF)	-1.41M	-833K	-30K	-34K	-156K
(Gain) Loss On Sale of Asset - (CF)	-	-1.13M	-	-	-
(Gain) Loss on Sale of Investments - (CF)	-178K	-374K	2.49M	1.75M	-1.14M
Provision for Credit Losses	12.5M	1.77M	5.8M	9.25M	1.98M
Stock-Based Compensation (CF)	1.9M	2.06M	2.32M	2.27M	2.31M
Net (Increase) Decrease in Loans Originated / Sold - Operating	1.64M	1.2M	30K	-166K	-164K
Changes in Accrued Interest Receivable	-	-	-	-	-
Changes in Accrued Interest Payable	-	-	-	-	-
Change In Deferred Taxes	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-11.77M	8.53M	-11.15M	1.1M	1.36M
Other Operating Activities	-587K	1.03M	-1.2M	-1.26M	-2M
Cash from Operations	40.34M	62.23M	48M	57.16M	46.53M
Capital Expenditure	-6.68M	-4.19M	-4.84M	-6.02M	-2.47M
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-62.21M	-402M	3.59M	171M	76.09M
Net (Increase) Decrease in Loans Originated / Sold - Investing	-510M	147M	-260M	-387M	-415M
Other Investing Activities, Total	2.58M	-27.5M	-179K	-59K	-4.69M
Cash from Investing	-576M	-286M	-262M	-222M	-347M
Short Term Debt Issued, Total	-	-	-	-	145M
Long-Term Debt Issued, Total	60M	705K	-	22.96M	38.8M
Total Debt Issued	60M	705K	-	22.96M	184M
Long-Term Debt Repaid, Total	-91.4M	-15.6M	-2.26M	-405K	-56.43M
Total Debt Repaid	-91.4M	-15.6M	-2.26M	-405K	-56.43M
Issuance of Common Stock	112K	218K	165K	224K	400K
Repurchase of Common Stock	-233K	-346K	-433K	-447K	-409K
Common Dividends Paid	-7.1M	-7.63M	-8.52M	-9.73M	-10.28M
Common & Preferred Stock Dividends Paid	-7.1M	-7.63M	-8.52M	-9.73M	-10.28M
Net Increase (Decrease) in Deposit Accounts - (CF)	765M	429M	55.57M	-58.28M	210M
Other Financing Activities, Total	-	713K	-	-	-
Cash from Financing	726M	407M	44.52M	-45.69M	327M
Net Change in Cash	190M	183M	-169M	-211M	27.25M
Supplemental Items
Cash Interest Paid	13.61M	7.88M	8.65M	45.3M	78.03M
Cash Income Tax Paid (Refund)	17.67M	12.34M	16.98M	15.61M	13.52M
Net Debt Issued / Repaid	-31.4M	-14.9M	-2.26M	22.55M	127M

Fiscal Period: December	2020 (USD)	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)
Profitability
Return on Assets	0.87	1	0.96	0.85	0.83
Return On Equity %	9.97	12.38	13.58	12.45	11.23
Return on Common Equity	9.97	12.38	13.58	12.45	11.23
Shareholders Value Added	-6.41M	1.29M	4.97M	1.37M	-1.95M
Margin Analysis
SG&A Margin	62.75	57.84	60.06	61.56	62
Net Interest Income / Total Revenues %	96.48	88.62	92.3	94.82	87.62
EBT Excl. Non-Recurring Items Margin %	30.86	36.51	34.14	31.74	31.27
Income From Continuing Operations Margin %	23.32	26.4	25.97	23.57	22.95
Net Income Margin %	23.32	26.4	25.97	23.57	22.95
Net Avail. For Common Margin %	23.32	26.4	25.97	23.57	22.95
Normalized Net Income Margin	19.29	22.82	21.34	19.84	19.54
Asset quality
Nonperforming Loans / Total Loans %	1.23	0.91	0.19	0.32	0.67
Nonperforming Loans / Total Assets %	0.95	0.6	0.14	0.26	0.55
Nonperforming Assets / Total Assets %	0.95	0.6	0.14	0.26	0.55
NPAs / Loans and OREO	1.23	0.91	0.19	0.32	0.67
NPAs / Equity	11.38	7.65	2.17	3.47	7.4
Allowance for Credit Losses / Net Charge-offs %	2.88K	1.2K	22.03K	56.19K	30.82K
Allowance for Credit Losses / Nonperforming Loans %	117.12	179.87	859.85	516.87	237.94
Allowance for Credit Losses / Total Loans %	1.44	1.63	1.65	1.65	1.59
Net Charge-offs / Total Average Loans %	0.05	0.13	0.01	0	0.01
Provision for Loan Losses / Net Charge-offs %	807.43	44.65	2.43K	8.81K	963.59
Earning Assets / IBL	156.43	160.31	162.24	152.32	142.57
Interest Income / Average Assets	3.79	3.45	3.63	4.49	4.89
Interest Expense / Average Assets	0.38	0.17	0.21	1.07	1.75
Net Interest Income / Average Assets	3.4	3.28	3.42	3.42	3.14
Non Interest Income / Average Assets	0.45	0.46	0.42	0.39	0.49
Non Interest Expense / Average Asset	2.44	2.35	2.44	2.46	2.46
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.71	8.05	7.08	6.87	7.42
Total Average Equity / Total Average Assets %	8.71	8.05	7.08	6.87	7.42
Total Equity + Allowance for Loan Losses / Total Loans %	12.28	13.48	10.51	10.86	10.64
Gross Loans / Total Deposits %	86.93	73.57	78.94	89.83	95.21
Net Loans / Total Deposits %	85.3	72.18	77.5	88.21	93.59
Tier 1 Capital Ratio %	10.77	10.62	10.56	10.34	10.38
Total Capital Ratio %	14.62	13.73	13.49	13.12	13.06
Core Tier 1 Capital Ratio	10.77	10.62	10.56	10.34	10.38
Coverage Ratio	92.23	137.71	208.91	431.79	235.85
Leverage Ratio %	7.52	7.56	8.1	8.74	8.94
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	14.4	16.68	17.49	15.31	9.76
EBT + Interest Expense / Interest Expense	3.83	8.46	7.16	2.07	1.63
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	12.32	8.78	7.24	0.85	-3.41
Non Interest Income, 1 Yr. Growth %	5.69	15.7	1.96	-4.62	29.93
Provision For Loan Losses, 1 Yr. Growth %	959.24	-85.84	227.68	59.47	-78.54
Total Revenues, 1 Yr. Growth %	2.97	18.43	4.16	-1.83	4.53
Earnings From Cont. Operations, 1 Yr. Growth %	-8.02	34.06	1.29	-10.9	1.77
Net Income, 1 Yr. Growth %	-8.02	34.06	1.29	-10.9	1.77
Normalized Net Income, 1 Yr. Growth %	-6.62	40.09	-0.58	-8.73	2.96
Diluted EPS Before Extra, 1 Yr. Growth %	-8.65	32.58	0.57	-11.65	0.32
Dividend Per Share, 1 Yr. Growth %	9.38	5.71	10.81	12.2	4.35
Gross Loans, 1 Yr. Growth %	20.19	-5.15	8.8	12.16	11.59
Allowance For Loan Losses, 1 Yr. Growth %	32.58	7.04	10.35	12.07	7.63
Net Loans, 1 Yr. Growth %	19.65	-5.16	8.87	12.17	11.71
Non Performing Loans, 1 Yr. Growth %	157.6	-30.3	-76.92	86.44	133.81
Non Performing Assets, 1 Yr. Growth %	157.6	-30.3	-76.92	86.44	133.81
Total Assets, 1 Yr. Growth %	24.09	10.8	-0.21	0.62	8.1
Total Deposits, 1 Yr Growth %	27.43	12.08	1.4	-1.44	5.28
Tangible Book Value, 1 Yr. Growth %	12.99	3.79	-18.94	16.94	9.78
Average Interest Earning Assets, 1 Yr. Growth %	23.14	13.32	4.16	1.61	5.02
Average Interest Bearing Liabilities, 1 Yr. Growth %	16.71	10.57	2.92	8.23	11.82
Common Equity, 1 Yr. Growth %	12.74	3.73	-18.63	16.6	9.61
Total Equity, 1 Yr. Growth %	12.74	3.73	-18.63	16.6	9.61
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	9.35	10.54	8	3.99	-1.3
Non Interest Income, 2 Yr. CAGR %	19.94	10.58	3.46	-1.38	11.32
Provision For Loan Losses, 2 Yr. CAGR %	135.69	22.47	-31.88	128.59	-41.5
Total Revenues, 2 Yr. CAGR %	6.65	10.43	10.42	1.12	1.3
Earnings From Cont. Operations, 2 Yr. CAGR %	4.36	11.04	16.53	-5	-4.78
Net Income, 2 Yr. CAGR %	4.36	11.04	16.53	-5	-4.78
Normalized Net Income, 2 Yr. CAGR %	5.08	14.37	16.14	-4.74	-3.06
Diluted EPS Before Extra, 2 Yr. CAGR %	3.59	10.05	15.47	-5.74	-5.85
Dividend Per Share, 2 Yr. CAGR %	9.86	7.53	8.23	11.5	8.2
Gross Loans, 2 Yr. CAGR %	13.64	6.77	1.58	10.46	11.87
Allowance For Loan Losses, 2 Yr. CAGR %	14.74	19.13	8.68	11.21	9.83
Net Loans, 2 Yr. CAGR %	13.45	6.52	1.61	10.51	11.94
Non Performing Loans, 2 Yr. CAGR %	79.69	34	-59.89	-34.4	108.79
Non Performing Assets, 2 Yr. CAGR %	79.69	34	-59.89	-34.4	108.79
Total Assets, 2 Yr. CAGR %	16.37	17.26	5.15	0.2	4.29
Total Deposits, 2 Yr CAGR %	17.67	19.51	6.6	-0.03	1.86
Tangible Book Value, 2 Yr. CAGR %	14.76	8.29	-8.27	-2.64	13.3
Average Interest Earning Assets, 2 Yr. CAGR %	14.68	18.13	8.64	2.88	3.3
Average Interest Bearing Liabilities, 2 Yr. CAGR %	11.59	13.6	6.68	5.54	9.99
Common Equity, 2 Yr. CAGR %	14.45	8.14	-8.13	-2.6	13.05
Total Equity, 2 Yr. CAGR %	14.45	8.14	-8.13	-2.6	13.05
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	10.09	9.16	9.42	5.56	1.46
Non Interest Income, 3 Yr. CAGR %	3.24	18.51	4.2	0.69	8.11
Provision For Loan Losses, 3 Yr. CAGR %	105.99	-7.69	70.03	-9.55	3.9
Total Revenues, 3 Yr. CAGR %	6.47	10.44	7.88	6.18	2.24
Earnings From Cont. Operations, 3 Yr. CAGR %	17.5	13.45	7.69	6.56	-2.79
Net Income, 3 Yr. CAGR %	17.5	13.45	7.69	6.56	-2.79
Normalized Net Income, 3 Yr. CAGR %	5.33	15.66	7.99	7.17	-2.24
Diluted EPS Before Extra, 3 Yr. CAGR %	16.73	12.47	6.79	5.61	-3.76
Dividend Per Share, 3 Yr. CAGR %	9.04	8.46	8.61	9.54	9.06
Gross Loans, 3 Yr. CAGR %	10.75	7	7.44	4.99	10.84
Allowance For Loan Losses, 3 Yr. CAGR %	10.63	12.12	16.13	9.8	10
Net Loans, 3 Yr. CAGR %	10.64	6.87	7.3	5.02	10.91
Non Performing Loans, 3 Yr. CAGR %	61.51	31.05	-25.44	-33.06	0.21
Non Performing Assets, 3 Yr. CAGR %	61.51	31.05	-25.44	-33.06	0.21
Total Assets, 3 Yr. CAGR %	12.52	14.48	11.12	3.62	2.77
Total Deposits, 3 Yr CAGR %	13.31	15.78	13.14	3.85	1.71
Tangible Book Value, 3 Yr. CAGR %	13.28	10.98	-1.67	-0.54	1.34
Average Interest Earning Assets, 3 Yr. CAGR %	12.98	14.22	13.28	6.25	3.58
Average Interest Bearing Liabilities, 3 Yr. CAGR %	11.12	11.25	9.92	7.19	7.72
Common Equity, 3 Yr. CAGR %	12.99	10.76	-1.64	-0.53	1.31
Total Equity, 3 Yr. CAGR %	12.99	10.76	-1.64	-0.53	1.31
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	10.7	10.28	9.25	7.06	5
Non Interest Income, 5 Yr. CAGR %	2.88	6.68	3.33	7.99	6.99
Provision For Loan Losses, 5 Yr. CAGR %	30.78	-9.97	32.32	32.67	10.96
Total Revenues, 5 Yr. CAGR %	8.43	10.21	8.03	6.37	5.2
Earnings From Cont. Operations, 5 Yr. CAGR %	14.27	17.6	17.11	5.67	2.52
Net Income, 5 Yr. CAGR %	14.27	17.6	17.11	5.67	2.52
Normalized Net Income, 5 Yr. CAGR %	11.4	15.88	9.53	6.33	3.43
Diluted EPS Before Extra, 5 Yr. CAGR %	11.24	15.54	16.22	4.8	1.54
Dividend Per Share, 5 Yr. CAGR %	6.96	7.31	8.71	9.67	8.45
Gross Loans, 5 Yr. CAGR %	10.64	7.66	6.99	8.37	9.19
Allowance For Loan Losses, 5 Yr. CAGR %	8.97	8.76	9.85	11.75	13.57
Net Loans, 5 Yr. CAGR %	10.59	7.61	6.93	8.31	9.13
Non Performing Loans, 5 Yr. CAGR %	22.41	22.83	-7.48	-0.64	12.56
Non Performing Assets, 5 Yr. CAGR %	22.41	22.83	-7.48	-0.64	12.56
Total Assets, 5 Yr. CAGR %	11.92	11.98	9.51	8.54	8.34
Total Deposits, 5 Yr CAGR %	11.97	11.9	10.58	9.17	8.49
Tangible Book Value, 5 Yr. CAGR %	13.48	10.29	4.11	5.32	4.06
Average Interest Earning Assets, 5 Yr. CAGR %	12.52	12.69	11.22	9.54	9.17
Average Interest Bearing Liabilities, 5 Yr. CAGR %	10.83	10.96	9.32	8.93	10.03
Common Equity, 5 Yr. CAGR %	13.15	10.06	4.02	5.21	3.99
Total Equity, 5 Yr. CAGR %	13.15	10.06	4.02	5.21	3.99