Financial Ratios PCB Bancorp

Stocks

PCB

US69320M1099

Banks

Market Closed - Nasdaq 16:00:00 2026-09-04 EDT			5-day change	1st Jan Change
28.14 ^USD	+0.29%		+2.96%	+29.98%

07-23	PCB Bancorp Maintains Quarterly Dividend at $0.22 a Share, Payable Aug. 14 to Shareholders of Record Aug. 7	MT
07-23	Tranche Update on PCB Bancorp's Equity Buyback Plan announced on August 3, 2023.	CI

3aa6fdd68fdd0ccc41e6fe70.V0JWNtlKzf4KEdjENJ80MzLp3XxXmDCdVMLkYr0b6m0.DSQfZPQAr7ZHeq2Jc-VrdXeD6h8k60DfHqOLJugom18NEhxyozmFvUdJqw

Published financial data: PCB BANCORP

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Interest Income On Loans	79.16M	95.05M	136M	164M	180M
Interest Income On Investments	2.32M	6.7M	15.15M	16.52M	17.19M
Interest Income, Total	81.47M	102M	151M	181M	198M
Interest On Deposits	4.04M	11.98M	62.16M	90.49M	92.26M
Total Interest On Borrowings	292K	135K	508K	1.71M	1.4M
Interest Expense, Total	4.34M	12.12M	62.67M	92.2M	93.66M
Net Interest Income	77.14M	89.63M	88.5M	88.62M	104M
Service Charges On Deposits	1.2M	1.33M	1.48M	1.54M	1.54M
Gain (Loss) on Sale of Loans	12.93M	7.99M	3.57M	3.75M	4.62M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-	-	-	-	-
Total Other Non Interest Income	4.31M	5.18M	5.64M	5.8M	5.68M
Non Interest Income, Total	18.43M	14.5M	10.68M	11.09M	11.84M
Revenues Before Provison For Loan Losses	95.57M	104M	99.19M	99.71M	116M
Provision For Loan Losses	-4.6M	3.6M	-132K	3.4M	4.03M
Total Revenues	100M	101M	99.32M	96.31M	112M
Salaries And Other Employee Benefits	27.52M	32.52M	34.08M	35.16M	35.58M
Occupancy Expense	3M	3.73M	4.78M	5.49M	5.46M
Selling General & Admin Expenses, Total	9.01M	9.87M	11.35M	11.83M	11.91M
Total Other Non Interest Expense	3.68M	4.79M	5.84M	7.55M	5.79M
Non Interest Expense, Total	43.21M	50.91M	56.06M	60.02M	58.74M
EBT, Excl. Unusual Items	56.96M	49.62M	43.26M	36.29M	52.94M
Asset Writedown	-	-	-	-	-238K
Legal Settlements	-	-220K	-	-	-217K
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	56.96M	49.4M	43.26M	36.29M	52.49M
Income Tax Expense	16.86M	14.42M	12.56M	10.48M	15.04M
Earnings From Continuing Operations	40.1M	34.99M	30.7M	25.81M	37.45M
Net Income to Company	40.1M	34.99M	30.7M	25.81M	37.45M
Net Income - (IS)	40.1M	34.99M	30.7M	25.81M	37.45M
Preferred Dividend and Other Adjustments	156K	157K	95K	881K	596K
Net Income to Common Incl Extra Items	39.95M	34.83M	30.61M	24.93M	36.86M
Net Income to Common Excl. Extra Items	39.95M	34.83M	30.61M	24.93M	36.86M
Per Share Items
Net EPS - Basic	2.66	2.35	2.14	1.75	2.59
Basic EPS - Continuing Operations	2.66	2.35	2.14	1.75	2.59
Basic Weighted Average Shares Outstanding	15.02M	14.82M	14.3M	14.24M	14.2M
Net EPS - Diluted	2.62	2.31	2.12	1.74	2.58
Diluted EPS - Continuing Operations	2.62	2.31	2.12	1.74	2.58
Diluted Weighted Average Shares Outstanding	15.25M	15.07M	14.42M	14.34M	14.28M
Normalized Basic EPS	2.37	2.09	1.89	1.59	2.33
Normalized Diluted EPS	2.33	2.06	1.88	1.58	2.32
Dividend Per Share	0.44	0.6	0.69	0.72	0.8
Payout Ratio	16.59	25.57	32.27	42.79	31.54
Supplemental Items
Effective Tax Rate - (Ratio)	29.59	29.18	29.03	28.87	28.64
Current Domestic Taxes	18.81M	2.24M	8.45M	18.46M	18.88M
Total Current Taxes	18.81M	2.24M	8.45M	18.46M	18.88M
Deferred Domestic Taxes	-1.95M	12.17M	4.1M	-7.98M	-3.85M
Total Deferred Taxes	-1.95M	12.17M	4.1M	-7.98M	-3.85M
Normalized Net Income	35.6M	31.01M	27.04M	22.68M	33.09M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	453K	539K	488K	504K	973K
Total Stock-Based Compensation	453K	539K	488K	504K	973K

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Assets
Cash And Equivalents	203M	147M	242M	199M	207M
Investment Securities, Total	21.03M	22.31M	18.86M	20.97M	18.62M
Mortgage Backed Securities	104M	124M	128M	134M	149M
Total investments	125M	146M	147M	155M	167M
Gross Loans	1.73B	2.05B	2.32B	2.63B	2.82B
Allowance For Loan Losses	-22.38M	-24.94M	-27.53M	-30.63M	-33.38M
Other Adjustments to Gross Loans	-	-	-	-	-
Net Loans	1.71B	2.02B	2.3B	2.6B	2.79B
Gross Property Plant And Equipment	22.06M	26.43M	39M	40.8M	40.65M
Accumulated Depreciation	-12.17M	-13.15M	-14.09M	-15.27M	-15.3M
Net Property Plant And Equipment	9.88M	13.27M	24.91M	25.53M	25.35M
Investment in FHLB	8.4M	10M	12.5M	13.9M	14.8M
Loans Held For Sale	37.03M	22.81M	5.16M	6.29M	12.08M
Accrued Interest Receivable	5.37M	7.47M	9.47M	10.47M	10.67M
Deferred Tax Assets Long-Term (Collected)	10.82M	3.12M	-	7.25M	9.21M
Other Real Estate Owned And Foreclosed	-	-	2.56M	-	-
Other Long-Term Assets, Total	40.33M	49.05M	49.53M	48.33M	48.29M
Total Assets	2.15B	2.42B	2.79B	3.06B	3.28B
Liabilities
Interest Bearing Deposits	764M	897M	1.18B	1.4B	1.53B
Institutional Deposits	272M	414M	576M	665M	709M
Non-Interest Bearing Deposits	830M	735M	595M	548M	556M
Total Deposits	1.87B	2.05B	2.35B	2.62B	2.8B
Short-Term Borrowings	-	20M	39M	15M	34M
Current Portion of Long-Term Debt	10M	-	-	-	-
Current Portion of Leases	2.71M	2.72M	3.38M	3.4M	3.56M
Federal Home Loan Bank Debt - Long-Term	-	-	-	-	-
Long-Term Leases	4.74M	4.09M	16.75M	15.27M	15.43M
Accrued Interest Payable	771K	3.16M	18.05M	24.41M	25.23M
Deferred Tax Liability Non-Current	-	-	876K	-	-
Other Non Current Liabilities	8.1M	8.64M	10.96M	26.29M	18.11M
Total Liabilities	1.89B	2.08B	2.44B	2.7B	2.89B
Preferred Stock Redeemable	-	69.14M	69.14M	69.14M	69.14M
Total Preferred Equity	-	69.14M	69.14M	69.14M	69.14M
Common Stock, Total	155M	150M	143M	143M	139M
Additional Paid In Capital	-	-	-	-	-
Retained Earnings	101M	127M	146M	161M	186M
Comprehensive Income and Other	154K	-10.51M	-8.92M	-9.32M	-4.86M
Total Common Equity	256M	266M	280M	295M	321M
Total Equity	256M	335M	349M	364M	390M
Total Liabilities And Equity	2.15B	2.42B	2.79B	3.06B	3.28B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	14.86M	14.35M	14.22M	14.26M	14.13M
ECS Total Common Shares Outstanding	14.81M	14.56M	14.22M	14.26M	14.14M
Book Value / Share	17.3	18.29	19.67	20.66	22.69
Tangible Book Value	256M	266M	280M	295M	321M
Tangible Book Value Per Share	17.3	18.29	19.67	20.66	22.69
Tangible Book Value Per Share (As Reported)	-	18.21	19.62	20.49	22.55
Average Assets	2.05B	2.27B	2.55B	2.88B	3.25B
Average Loans	1.7B	1.87B	2.14B	2.45B	2.76B
Total Debt	17.44M	26.81M	59.14M	33.67M	53M
Deposits at Interest - Cash	188M	124M	216M	172M	182M
Net Debt	-186M	-120M	-183M	-165M	-154M
Full Time Employees	245	267	268	259	262
Part Time Employees	4	7	3	4	3
Number Of Offices	13	16	16	16	15

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Net Income	40.1M	34.99M	30.7M	25.81M	37.45M
Depreciation, Depletion & Amortization	1.38M	1.6M	2.18M	2.25M	2.21M
Amortization of Goodwill and Intangible Assets - (CF)	2.01M	2.14M	1.88M	1.76M	2.08M
Total Depreciation, Depletion & Amortization	3.38M	3.73M	4.07M	4.02M	4.29M
Gain (Loss) on Sale of Loans & Receivables - (CF)	-16.44M	-11.54M	-5.77M	-6.53M	-7.41M
(Gain) Loss On Sale of Asset - (CF)	-	-	-	-	-
(Gain) Loss on Sale of Investments - (CF)	1M	367K	209K	159K	146K
Provision for Credit Losses	-4.6M	3.6M	-132K	3.4M	4.03M
Stock-Based Compensation (CF)	453K	539K	488K	504K	973K
Net (Increase) Decrease in Loans Originated / Sold - Operating	-21.98M	27.31M	18.38M	3.9M	-1.26M
Changes in Accrued Interest Receivable	2.66M	-12.74M	-934K	-3.72M	2.18M
Changes in Accrued Interest Payable	1.94M	1.72M	14.07M	21.58M	-7.57M
Other Operating Activities	-8.16M	9.28M	2.25M	-10.14M	-6.24M
Cash from Operations	-1.62M	57.27M	63.34M	38.98M	26.59M
Capital Expenditure	-430K	-5.45M	-1.32M	-4.08M	-2.19M
Sale (Purchase) of Real Estate Properties (Collected)	3.43M	1.19M	-	-	-
Investment in Marketable and Equity Securities, Total	-6.23M	-34.16M	594K	-4.73M	-7.46M
Net (Increase) Decrease in Loans Originated / Sold - Investing	-143M	-317M	-272M	-305M	-190M
Other Investing Activities, Total	-29.38M	-1.61M	-2.53M	1.71M	-936K
Cash from Investing	-175M	-357M	-275M	-312M	-200M
Short Term Debt Issued, Total	-	20M	-	15M	19M
Long-Term Debt Issued, Total	-	-	39M	50M	-
Total Debt Issued	-	20M	39M	65M	19M
Short Term Debt Repaid, Total	-	-	-20M	-	-
Long-Term Debt Repaid, Total	-70M	-10M	-	-89M	-
Total Debt Repaid	-70M	-10M	-20M	-89M	-
Issuance of Common Stock	1.28M	840K	1.35M	353K	2.28M
Repurchase of Common Stock	-10.88M	-6.74M	-8.83M	-287K	-7.19M
Issuance of Preferred Stock	-	69.14M	-	-	-
Common Dividends Paid	-6.66M	-8.95M	-9.91M	-10.27M	-11.46M
Preferred Dividends Paid	-	-	-	-772K	-346K
Common & Preferred Stock Dividends Paid	-6.66M	-8.95M	-9.91M	-11.04M	-11.81M
Net Increase (Decrease) in Deposit Accounts - (CF)	272M	179M	306M	264M	180M
Cash from Financing	186M	243M	307M	229M	182M
Net Change in Cash	9.19M	-56.25M	95.31M	-43.55M	8.35M
Supplemental Items
Cash Interest Paid	5.79M	9.73M	47.78M	85.84M	92.84M
Cash Income Tax Paid (Refund)	14.98M	13.98M	4.28M	6.37M	23.06M
Net Debt Issued / Repaid	-70M	10M	19M	-24M	19M

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Profitability
Return on Assets	1.97	1.53	1.18	0.88	1.18
Return On Equity %	16.37	11.83	8.97	7.24	9.94
Return on Common Equity	16.3	13.33	11.21	8.68	11.98
Shareholders Value Added	12.71M	5.77M	-174K	-6.89M	2.6M
Margin Analysis
SG&A Margin	39.46	45.88	50.56	54.49	47.41
Net Interest Income / Total Revenues %	77.01	89.16	89.11	92.01	93.01
EBT Excl. Non-Recurring Items Margin %	56.86	49.36	43.56	37.68	47.4
Income From Continuing Operations Margin %	40.04	34.8	30.92	26.8	33.53
Net Income Margin %	40.04	34.8	30.92	26.8	33.53
Net Avail. For Common Margin %	39.88	34.65	30.82	25.88	33
Normalized Net Income Margin	35.54	30.85	27.22	23.55	29.63
Asset quality
Nonperforming Loans / Total Loans %	0.06	0.36	0.17	0.18	0.28
Nonperforming Loans / Total Assets %	0.05	0.3	0.14	0.15	0.24
Nonperforming Assets / Total Assets %	0.05	0.3	0.23	0.15	0.24
NPAs / Loans and OREO	0.06	0.36	0.28	0.18	0.28
NPAs / Equity	0.39	2.19	1.86	1.29	2.03
Allowance for Credit Losses / Net Charge-offs %	-4.79K	2.4K	-2.68K	7.79K	3.62K
Allowance for Credit Losses / Nonperforming Loans %	2.25K	338.89	703.09	652.63	422.01
Allowance for Credit Losses / Total Loans %	1.29	1.22	1.18	1.16	1.18
Net Charge-offs / Total Average Loans %	-0.03	0.06	-0.05	0.02	0.03
Provision for Loan Losses / Net Charge-offs %	984.15	346.01	12.85	865.39	436.88
Earning Assets / IBL	190.99	196.76	160.09	145.16	138.88
Interest Income / Average Assets	3.98	4.48	5.93	6.28	6.08
Interest Expense / Average Assets	0.21	0.53	2.46	3.2	2.88
Net Interest Income / Average Assets	3.77	3.95	3.47	3.08	3.2
Non Interest Income / Average Assets	0.9	0.64	0.42	0.39	0.36
Non Interest Expense / Average Asset	2.11	2.24	2.2	2.09	1.81
Capital And Funding
Total Average Common Equity / Total Average Assets %	12.03	11.44	10.48	9.81	9.7
Total Average Equity / Total Average Assets %	12.03	12.95	13.14	12.18	11.88
Total Equity + Allowance for Loan Losses / Total Loans %	16.09	17.61	16.2	15	15.01
Gross Loans / Total Deposits %	92.77	100	98.8	100.52	100.89
Net Loans / Total Deposits %	91.57	98.78	97.63	99.35	99.7
Tier 1 Capital Ratio %	14.79	16.62	15.16	14.04	13.89
Total Capital Ratio %	16.04	17.83	16.39	15.24	15.13
Core Tier 1 Capital Ratio	14.79	13.29	12.23	11.44	11.46
Equity Tier 1 Capital Ratio	-	11	10.03	9.62	9.78
Coverage Ratio	1.46K	641.02	-	-	-
Leverage Ratio %	12.11	14.33	13.43	12.45	11.89
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	196.07	366.95	86.16	22.18	38.57
EBT + Interest Expense / Interest Expense	14.14	5.08	1.69	1.39	1.56
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	16.54	16.2	-1.26	0.13	17.22
Non Interest Income, 1 Yr. Growth %	57.02	-21.35	-26.32	3.84	6.7
Provision For Loan Losses, 1 Yr. Growth %	-134.77	-178.37	-103.66	-2.68K	18.44
Total Revenues, 1 Yr. Growth %	54.79	0.36	-1.2	-3.03	15.97
Earnings From Cont. Operations, 1 Yr. Growth %	147.93	-12.76	-12.24	-15.94	45.11
Net Income, 1 Yr. Growth %	147.93	-12.76	-12.24	-15.94	45.11
Normalized Net Income, 1 Yr. Growth %	147.05	-12.88	-12.43	-16.13	43.89
Diluted EPS Before Extra, 1 Yr. Growth %	151.92	-11.83	-8.23	-17.92	48.28
Dividend Per Share, 1 Yr. Growth %	10	36.36	15	4.35	11.11
Gross Loans, 1 Yr. Growth %	9.39	18.12	13.56	13.17	7.26
Allowance For Loan Losses, 1 Yr. Growth %	-15.58	11.44	10.39	11.24	8.99
Net Loans, 1 Yr. Growth %	9.81	18.21	13.6	13.19	7.24
Non Performing Loans, 1 Yr. Growth %	-68.57	640.44	-46.79	19.84	68.55
Non Performing Assets, 1 Yr. Growth %	-78.22	640.44	-12.04	-27.51	68.55
Total Assets, 1 Yr. Growth %	11.8	12.57	15.27	9.84	7.11
Total Deposits, 1 Yr Growth %	17.07	9.58	14.94	11.23	6.87
Tangible Book Value, 1 Yr. Growth %	9.62	3.91	5.04	5.34	8.9
Average Interest Earning Assets, 1 Yr. Growth %	7.15	9.32	12.64	12.74	13.01
Average Interest Bearing Liabilities, 1 Yr. Growth %	-10.92	6.11	38.44	24.33	18.12
Common Equity, 1 Yr. Growth %	9.62	3.91	5.04	5.34	8.9
Total Equity, 1 Yr. Growth %	9.62	30.89	4	4.28	7.2
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	5.71	16.37	7.11	-0.57	8.34
Non Interest Income, 2 Yr. CAGR %	24.62	11.13	-23.87	-12.53	5.26
Provision For Loan Losses, 2 Yr. CAGR %	4.15	-47.8	-83.05	-2.83	452.41
Total Revenues, 2 Yr. CAGR %	14.3	24.64	-0.42	-2.12	6.04
Earnings From Cont. Operations, 2 Yr. CAGR %	28.98	47.07	-12.5	-14.11	10.44
Net Income, 2 Yr. CAGR %	28.98	47.07	-12.5	-14.11	10.44
Normalized Net Income, 2 Yr. CAGR %	28.77	46.71	-12.85	-14.3	10.62
Diluted EPS Before Extra, 2 Yr. CAGR %	32.6	49.04	-10.05	-13.21	10.32
Dividend Per Share, 2 Yr. CAGR %	32.66	22.47	25.23	9.54	7.68
Gross Loans, 2 Yr. CAGR %	9.27	13.67	15.82	13.36	10.18
Allowance For Loan Losses, 2 Yr. CAGR %	24.76	-3	10.91	10.81	10.11
Net Loans, 2 Yr. CAGR %	9.1	13.93	15.88	13.39	10.18
Non Performing Loans, 2 Yr. CAGR %	-40.67	52.54	98.49	-20.15	42.12
Non Performing Assets, 2 Yr. CAGR %	-40.67	26.99	155.21	-20.15	10.54
Total Assets, 2 Yr. CAGR %	10.95	12.19	13.91	12.52	8.47
Total Deposits, 2 Yr CAGR %	12.35	13.26	12.23	13.07	9.03
Tangible Book Value, 2 Yr. CAGR %	6.29	6.73	4.47	5.19	7.1
Average Interest Earning Assets, 2 Yr. CAGR %	9.46	8.23	10.96	12.69	12.87
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-4.14	-2.78	21.2	31.2	21.19
Common Equity, 2 Yr. CAGR %	6.29	6.73	4.47	5.19	7.1
Total Equity, 2 Yr. CAGR %	6.29	19.78	16.67	4.14	5.73
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	5.47	9.09	10.17	4.73	5.04
Non Interest Income, 3 Yr. CAGR %	20.81	6.9	-3.1	-15.57	-6.54
Provision For Loan Losses, 3 Yr. CAGR %	55.13	-5.27	-78.47	-9.55	3.8
Total Revenues, 3 Yr. CAGR %	10.14	9.45	15.35	-1.3	3.57
Earnings From Cont. Operations, 3 Yr. CAGR %	18.17	13.22	23.82	-13.66	2.3
Net Income, 3 Yr. CAGR %	18.17	13.22	23.82	-13.66	2.3
Normalized Net Income, 3 Yr. CAGR %	17.91	13.04	23.34	-13.96	2.33
Diluted EPS Before Extra, 3 Yr. CAGR %	16.66	15.74	26.79	-12.75	3.75
Dividend Per Share, 3 Yr. CAGR %	54.2	33.89	19.93	17.84	10.06
Gross Loans, 3 Yr. CAGR %	8.97	12.14	13.63	14.93	11.29
Allowance For Loan Losses, 3 Yr. CAGR %	19.34	20.15	1.27	11.02	10.2
Net Loans, 3 Yr. CAGR %	8.86	12.06	13.82	14.98	11.31
Non Performing Loans, 3 Yr. CAGR %	-2.15	37.62	7.38	67.76	2.43
Non Performing Assets, 3 Yr. CAGR %	-2.15	37.62	12.36	67.76	2.43
Total Assets, 3 Yr. CAGR %	8.2	11.49	13.2	12.54	10.69
Total Deposits, 3 Yr CAGR %	8.95	11.42	13.82	11.89	10.96
Tangible Book Value, 3 Yr. CAGR %	6.81	5.49	6.16	4.76	6.41
Average Interest Earning Assets, 3 Yr. CAGR %	8.94	9.41	9.68	11.55	12.79
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-1.09	-0.84	9.38	22.24	26.69
Common Equity, 3 Yr. CAGR %	6.81	5.49	6.16	4.76	6.41
Total Equity, 3 Yr. CAGR %	6.81	13.93	14.27	12.39	5.15
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	11.1	10.19	6.12	5.12	9.43
Non Interest Income, 5 Yr. CAGR %	6.24	0.86	0.43	-1.34	0.16
Provision For Loan Losses, 5 Yr. CAGR %	15.02	14.54	-36.02	-4.3	-21.15
Total Revenues, 5 Yr. CAGR %	11.97	8.38	5.79	4.67	11.53
Earnings From Cont. Operations, 5 Yr. CAGR %	23.42	16.36	4.79	1.37	18.28
Net Income, 5 Yr. CAGR %	23.42	16.36	4.79	1.37	18.28
Normalized Net Income, 5 Yr. CAGR %	18.47	9.63	4.48	1.1	18.09
Diluted EPS Before Extra, 5 Yr. CAGR %	18.74	13.81	5.14	3.15	19.93
Dividend Per Share, 5 Yr. CAGR %	32.44	37.97	41.88	23.56	14.87
Gross Loans, 5 Yr. CAGR %	10.93	11.45	11.66	12.63	12.24
Allowance For Loan Losses, 5 Yr. CAGR %	14.61	15.33	15.9	16.32	4.72
Net Loans, 5 Yr. CAGR %	10.89	11.41	11.61	12.59	12.35
Non Performing Loans, 5 Yr. CAGR %	-11.66	17.88	29.85	10.69	20.12
Non Performing Assets, 5 Yr. CAGR %	-15.84	17.17	43.58	10.69	11.63
Total Assets, 5 Yr. CAGR %	11.88	10.91	10.45	11.9	11.28
Total Deposits, 5 Yr CAGR %	11.33	10.33	10.25	12.08	11.88
Tangible Book Value, 5 Yr. CAGR %	15.07	13.37	5.87	5.37	6.54
Average Interest Earning Assets, 5 Yr. CAGR %	13.03	10.97	9.75	10.71	10.95
Average Interest Bearing Liabilities, 5 Yr. CAGR %	7.6	4.69	7.29	10.91	13.96
Common Equity, 5 Yr. CAGR %	15.07	13.37	5.87	5.37	6.54
Total Equity, 5 Yr. CAGR %	15.07	18.73	10.65	9.91	10.78