Income Statement SUMMIT FINANCIAL

Stocks

SMMF

US86606G1013

Market Closed - Nasdaq 16:00:00 2024-05-02 EDT			5-day change	1st Jan Change
25.70 ^USD	-2.50%		-.--%	-

24-05-03	Summit Financial Group, Inc Announces Management and Board Resignations	CI
24-05-03	Summit Financial Group, Inc. Announces Resignation of H. Charles Maddy as Chief Executive Officer	CI

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Published financial data: SUMMIT FINANCIAL

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2019 (USD)	2020 (USD)	2021 (USD)	2022 (USD)	2023 (USD)
Interest Income On Loans	97.12M	106M	113M	145M	218M
Interest Income On Investments	9.96M	9.44M	9.78M	13.38M	24.69M
Interest Income, Total	107M	115M	122M	159M	243M
Interest On Deposits	23.7M	16.04M	8.18M	20.68M	73.19M
Total Interest On Borrowings	6.29M	3.48M	4.3M	9.08M	12.79M
Interest Expense, Total	29.99M	19.52M	12.48M	29.76M	85.98M
Net Interest Income	77.08M	95.48M	110M	129M	157M
Service Charges On Deposits	5.09M	4.59M	5.03M	6.15M	6.98M
Trust Income	2.56M	2.5M	2.89M	2.98M	3.44M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	1.94M	3.47M	627K	-443K	474K
Total Other Non Interest Income	7.7M	9.53M	11.66M	9.47M	9.99M
Non Interest Income, Total	17.3M	20.08M	20.21M	18.15M	20.88M
Revenues Before Provison For Loan Losses	94.38M	116M	130M	147M	177M
Provision For Loan Losses	1.55M	14.5M	4M	6.95M	12.25M
Total Revenues	92.83M	101M	126M	140M	165M
Salaries And Other Employee Benefits	27.76M	30.87M	32.86M	38.63M	44.52M
Amort. of Goodwill & Intang. Assets	1.7M	1.66M	1.56M	1.44M	3.34M
Occupancy Expense	3.3M	3.96M	4.82M	5.13M	5.85M
Federal Deposit Insurance	88K	856K	1.45M	1.22M	2.46M
Selling General & Admin Expenses, Total	8.78M	9.24M	10.79M	11.6M	13.76M
(Income) Loss on Real Estate Property	2.5M	2.49M	1.74M	236K	89K
Total Other Non Interest Expense	10.42M	11.56M	14.28M	14.51M	18.34M
Non Interest Expense, Total	54.54M	60.64M	67.52M	72.76M	88.35M
EBT, Excl. Unusual Items	38.29M	40.42M	58.62M	67.42M	76.85M
Total Merger & Related Restructuring Charges	-617K	-1.67M	-1.22M	-114K	-6.44M
Gain (Loss) on Sale of Assets	1.91M	-	-	-	-
Insurance Settlements	-	-	-	-	-
Legal Settlements	-	-	-	-	-
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	39.58M	38.75M	57.4M	67.31M	70.4M
Income Tax Expense	7.72M	7.43M	11.66M	14.09M	15.16M
Earnings From Continuing Operations	31.87M	31.33M	45.74M	53.22M	55.24M
Net Income to Company	31.87M	31.33M	45.74M	53.22M	55.24M
Net Income - (IS)	31.87M	31.33M	45.74M	53.22M	55.24M
Preferred Dividend and Other Adjustments	-	-	589K	900K	900K
Net Income to Common Incl Extra Items	31.87M	31.33M	45.15M	52.32M	54.34M
Net Income to Common Excl. Extra Items	31.87M	31.33M	45.15M	52.32M	54.34M
Per Share Items
Net EPS - Basic	2.55	2.42	3.49	4.1	3.82
Basic EPS - Continuing Operations	2.55	2.42	3.49	4.1	3.82
Basic Weighted Average Shares Outstanding	12.52M	12.94M	12.94M	12.76M	14.21M
Net EPS - Diluted	2.53	2.41	3.47	4.08	3.81
Diluted EPS - Continuing Operations	2.53	2.41	3.47	4.08	3.81
Diluted Weighted Average Shares Outstanding	12.58M	12.98M	13M	12.82M	14.25M
Normalized Basic EPS	1.91	1.95	2.83	3.3	3.38
Normalized Diluted EPS	1.9	1.95	2.82	3.29	3.37
Dividend Per Share	0.59	0.68	0.7	0.76	0.84
Payout Ratio	23.1	28.05	21.01	19.91	23.26
Supplemental Items
Effective Tax Rate - (Ratio)	19.5	19.17	20.32	20.94	21.54
Current Domestic Taxes	7.61M	11.63M	11.4M	13.88M	15.47M
Total Current Taxes	7.61M	11.63M	11.4M	13.88M	15.47M
Deferred Domestic Taxes	103K	-4.2M	264K	218K	-303K
Total Deferred Taxes	103K	-4.2M	264K	218K	-303K
Normalized Net Income	23.93M	25.27M	36.64M	42.14M	48.03M
Non-Cash Pension Expense	712K	787K	967K	1.2M	1.2M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	1.31M	1.34M	1.53M	1.82M	1.78M
Total Stock-Based Compensation	1.31M	1.34M	1.53M	1.82M	1.78M

Fiscal Period: December	2019 (USD)	2020 (USD)	2021 (USD)	2022 (USD)	2023 (USD)
Assets
Cash And Equivalents	59.9M	99.79M	78.46M	44.72M	52.23M
Investment Securities, Total	199M	315M	435M	423M	411M
Trading Asset Securities, Total	-	6.65M	11.19M	40.51M	33.14M
Mortgage Backed Securities	81.2M	75.73M	88.8M	113M	203M
Total investments	280M	397M	535M	576M	648M
Gross Loans	1.91B	2.41B	2.76B	3.08B	3.68B
Allowance For Loan Losses	-13.07M	-32.25M	-32.3M	-38.9M	-48.09M
Net Loans	1.9B	2.38B	2.73B	3.04B	3.63B
Gross Property Plant And Equipment	71.15M	88.04M	95.5M	96.18M	111M
Accumulated Depreciation	-26.98M	-30M	-32.72M	-36.2M	-38.94M
Net Property Plant And Equipment	44.17M	58.04M	62.77M	59.98M	71.74M
Goodwill	12.66M	45.5M	55.35M	55.35M	56.03M
Other Intangibles, Total	10.36M	9.63M	8.24M	6.8M	18.4M
Investment in FHLB	8.9M	9.8M	6.8M	11.3M	14.4M
Loans Held For Sale	1.32M	2M	227K	-	-
Accrued Interest Receivable	8.44M	11.99M	10.58M	15.87M	20M
Restricted Cash	1.99M	-	-	-	-
Other Real Estate Owned And Foreclosed	19.29M	15.59M	9.86M	5.07M	3.73M
Other Long-Term Assets, Total	55.61M	77.08M	80.29M	97.6M	116M
Total Assets	2.4B	3.11B	3.58B	3.92B	4.63B
Liabilities
Interest Bearing Deposits	1.26B	1.8B	2.28B	2.53B	2.98B
Institutional Deposits	388M	352M	98.94M	88.01M	138M
Non-Interest Bearing Deposits	261M	441M	569M	554M	594M
Total Deposits	1.91B	2.6B	2.94B	3.17B	3.72B
Short-Term Borrowings	199M	141M	141M	226M	303M
Current Portion of Long-Term Debt	698K	1.48M	104K	22K	398K
Current Portion of Leases	124K	677K	948K	868K	1.31M
Long-Term Debt	-	29.36M	103M	103M	104M
Federal Home Loan Bank Debt - Long-Term	698K	679K	658K	636K	614K
Long-Term Leases	413K	4.92M	5.62M	5.21M	7.61M
Trust Preferred Securities (BS)	19.59M	19.59M	19.59M	19.59M	19.59M
Pension & Other Post Retirement Benefits	6.7M	9.6M	10.3M	11.3M	12.3M
Other Non Current Liabilities	14.92M	21.41M	24.86M	25.36M	30.4M
Total Liabilities	2.16B	2.82B	3.25B	3.56B	4.19B
Preferred Stock Non Redeemable	-	-	14.92M	14.92M	14.92M
Preferred Stock Convertible	-	-	-	-	-
Total Preferred Equity	-	-	14.92M	14.92M	14.92M
Common Stock, Total	80.08M	94.96M	89.52M	90.7M	130M
Retained Earnings	166M	182M	218M	260M	303M
Comprehensive Income and Other	1.82M	4.97M	5.26M	-11.48M	-7.48M
Total Common Equity	248M	282M	313M	340M	425M
Total Equity	248M	282M	327M	355M	440M
Total Liabilities And Equity	2.4B	3.11B	3.58B	3.92B	4.63B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	12.98M	12.94M	12.75M	12.78M	14.68M
ECS Total Common Shares Outstanding	12.41M	12.94M	12.74M	12.78M	14.68M
Book Value / Share	19.97	21.76	24.53	26.57	28.96
Tangible Book Value	225M	226M	249M	277M	351M
Tangible Book Value Per Share	18.11	17.5	19.54	21.7	23.89
Tangible Book Value Per Share (As Reported)	18.11	17.5	-	21.7	23.89
Average Assets	2.28B	2.78B	3.35B	3.76B	4.44B
Average Loans	1.8B	2.17B	2.5B	2.95B	3.48B
Total Debt	221M	198M	271M	356M	436M
Deposits at Interest - Cash	33.75M	80.26M	57.45M	28.25M	30.4M
Net Debt	161M	91.7M	181M	270M	351M
Full Time Employees	383	415	439	432	496
Number Of Offices	36	43	45	44	54

Fiscal Period: December	2019 (USD)	2020 (USD)	2021 (USD)	2022 (USD)	2023 (USD)
Net Income	31.87M	31.33M	45.74M	53.22M	55.24M
Depreciation, Depletion & Amortization	2.61M	3.76M	4.44M	4.57M	3.85M
Amortization of Goodwill and Intangible Assets - (CF)	1.7M	1.66M	1.56M	1.44M	3.34M
Total Depreciation, Depletion & Amortization	4.32M	5.42M	6.01M	6.01M	7.18M
Gain (Loss) on Sale of Loans & Receivables - (CF)	-405K	-1.81M	-2.15M	-327K	-77K
(Gain) Loss On Sale of Asset - (CF)	1.84M	2M	1.31M	166K	61K
(Gain) Loss on Sale of Investments - (CF)	325K	-448K	3.72M	5.19M	644K
Total Asset Writedown	-998K	-1.57M	-1.58M	-1.11M	-3.9M
Provision for Credit Losses	1.55M	14.5M	4M	6.95M	12.25M
Stock-Based Compensation (CF)	590K	527K	646K	624K	739K
Net (Increase) Decrease in Loans Originated / Sold - Operating	-514K	1.13M	3.92M	554K	77K
Changes in Accrued Interest Receivable	699K	-2M	1.56M	-5.29M	-2.64M
Change in Other Net Operating Assets (Collected)	4.61M	2.05M	408K	3.7M	6.17M
Other Operating Activities	-2.95M	-6.46M	-1.73M	-1.74M	-2.02M
Cash from Operations	40.93M	44.68M	61.85M	67.94M	73.73M
Capital Expenditure	-9.22M	-8.64M	-4.54M	-1.35M	-7.09M
Sale of Property, Plant, and Equipment	860K	293K	558K	85K	116K
Cash Acquisitions	20.59M	175M	95.7M	-	14.36M
Divestitures	7.12M	-	-	-	-
Investment in Marketable and Equity Securities, Total	80.01M	-10.98M	-142M	-74.91M	70.39M
Net (Increase) Decrease in Loans Originated / Sold - Investing	-182M	-302M	-297M	-323M	-235M
Other Investing Activities, Total	4.69M	-6.49M	4.78M	-5.34M	1.5M
Cash from Investing	-77.57M	-152M	-342M	-405M	-155M
Short Term Debt Issued, Total	-	-	-	85.85M	59.31M
Long-Term Debt Issued, Total	-	30M	75M	-	-
Total Debt Issued	-	30M	75M	85.85M	59.31M
Short Term Debt Repaid, Total	-110M	-62.2M	-	-	-
Long-Term Debt Repaid, Total	-18K	-21.3M	-20K	-21K	-5.16M
Total Debt Repaid	-110M	-83.5M	-20K	-21K	-5.16M
Issuance of Common Stock	166K	178K	310K	203K	244K
Repurchase of Common Stock	-10.4M	-1.44M	-6.71M	-	-
Issuance of Preferred Stock	-	-	14.92M	-	-
Common Dividends Paid	-7.36M	-8.79M	-9.02M	-9.69M	-11.95M
Preferred Dividends Paid	-	-	-589K	-900K	-900K
Common & Preferred Stock Dividends Paid	-7.36M	-8.79M	-9.61M	-10.59M	-12.85M
Net Increase (Decrease) in Deposit Accounts - (CF)	166M	216M	185M	228M	48.38M
Other Financing Activities, Total	-	-7.1M	-	-	-714K
Cash from Financing	38.99M	146M	259M	303M	89.2M
Net Change in Cash	2.35M	37.9M	-21.33M	-33.74M	7.52M
Supplemental Items
Cash Interest Paid	29.86M	19.98M	12.42M	27.03M	82.48M
Cash Income Tax Paid (Refund)	7.85M	11.44M	10.26M	12.57M	13.26M
Net Debt Issued / Repaid	-110M	-53.5M	74.98M	85.83M	54.14M

Fiscal Period: December	2019 (USD)	2020 (USD)	2021 (USD)	2022 (USD)	2023 (USD)
Profitability
Return on Assets	1.38	1.14	1.37	1.42	1.29
Return On Equity %	13.63	11.84	15.02	15.61	13.9
Return on Common Equity	13.63	11.84	15.2	16.04	14.21
Shareholders Value Added	5.9M	2.27M	12.42M	15.6M	16.71M
Margin Analysis
SG&A Margin	42.91	43.61	38.43	39.49	38.82
Net Interest Income / Total Revenues %	83.04	94.48	87.15	92.01	94.78
EBT Excl. Non-Recurring Items Margin %	41.25	40	46.48	48.1	46.52
Income From Continuing Operations Margin %	34.33	31	36.26	37.96	33.44
Net Income Margin %	34.33	31	36.26	37.96	33.44
Net Avail. For Common Margin %	34.33	31	35.79	37.32	32.89
Normalized Net Income Margin	25.78	25	29.05	30.06	29.07
Asset quality
Nonperforming Loans / Total Loans %	0.6	0.84	0.46	0.25	0.34
Nonperforming Loans / Total Assets %	0.48	0.65	0.35	0.2	0.27
Nonperforming Assets / Total Assets %	1.28	1.16	0.63	0.33	0.35
NPAs / Loans and OREO	1.59	1.48	0.81	0.42	0.44
NPAs / Equity	12.43	12.76	6.89	3.64	3.67
Allowance for Credit Losses / Net Charge-offs %	858.44	1.89K	3.39K	5.75K	1.28K
Allowance for Credit Losses / Nonperforming Loans %	113.59	158.57	254.4	497.24	386.61
Allowance for Credit Losses / Total Loans %	0.68	1.34	1.17	1.26	1.31
Net Charge-offs / Total Average Loans %	0.08	0.08	0.04	0.02	0.11
Provision for Loan Losses / Net Charge-offs %	101.77	851.44	419.29	1.03K	325.88
Earning Assets / IBL	119.84	124.73	126.03	125.36	123.19
Interest Income / Average Assets	4.69	4.13	3.65	4.22	5.47
Interest Expense / Average Assets	1.31	0.7	0.37	0.79	1.94
Net Interest Income / Average Assets	3.38	3.43	3.28	3.43	3.53
Non Interest Income / Average Assets	0.76	0.72	0.6	0.48	0.47
Non Interest Expense / Average Asset	2.39	2.18	2.01	1.94	1.99
Capital And Funding
Total Average Common Equity / Total Average Assets %	10.16	9.61	8.89	8.7	8.95
Total Average Equity / Total Average Assets %	10.16	9.61	9.11	9.1	9.29
Total Equity + Allowance for Loan Losses / Total Loans %	13.63	13.01	13.03	12.76	13.26
Gross Loans / Total Deposits %	100.01	92.93	93.83	97.25	99.1
Net Loans / Total Deposits %	99.33	91.69	92.73	96.03	97.8
Tier 1 Capital Ratio %	12.1	10	9.5	9.5	9.9
Total Capital Ratio %	12.7	12.1	13.8	13.5	13.7
Core Tier 1 Capital Ratio	11.1	9.3	8.4	8.6	9.1
Equity Tier 1 Capital Ratio	9.4	7.4	-	-	-
Coverage Ratio	35.18	72.53	117.35	124.5	147.12
Leverage Ratio %	10.5	8.6	8.3	8.5	8.7
Interbank Ratio	23.28K	54.98K	39.35K	18.96K	-
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	7.29	12.15	14.34	8.41	6.51
EBT + Interest Expense / Interest Expense	2.32	2.99	5.6	3.26	1.82
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	10.44	23.87	15.13	17.33	21.38
Non Interest Income, 1 Yr. Growth %	-0.72	4.58	0.62	-10.17	15
Provision For Loan Losses, 1 Yr. Growth %	-31.11	835.48	-72.41	73.75	76.26
Total Revenues, 1 Yr. Growth %	9.25	6.68	24.81	11.14	17.84
Earnings From Cont. Operations, 1 Yr. Growth %	13.52	-1.69	46.01	16.35	3.8
Net Income, 1 Yr. Growth %	13.52	-1.69	46.01	16.35	3.8
Normalized Net Income, 1 Yr. Growth %	8.67	0.56	45.02	15.01	13.97
Diluted EPS Before Extra, 1 Yr. Growth %	11.95	-4.74	43.98	17.58	-6.62
Dividend Per Share, 1 Yr. Growth %	11.32	15.25	2.94	8.57	10.53
Gross Loans, 1 Yr. Growth %	12.89	26.06	14.48	11.64	19.42
Allowance For Loan Losses, 1 Yr. Growth %	0.21	146.64	0.16	20.44	23.63
Net Loans, 1 Yr. Growth %	12.99	25.23	14.67	11.54	19.37
Non Performing Loans, 1 Yr. Growth %	-23.39	76.67	-37.57	-38.38	59.01
Non Performing Assets, 1 Yr. Growth %	-15.52	16.62	-37.22	-42.85	25.43
Total Assets, 1 Yr. Growth %	9.22	29.24	15.14	9.51	18.32
Total Deposits, 1 Yr Growth %	17.03	35.67	13.39	7.71	17.2
Tangible Book Value, 1 Yr. Growth %	15.85	0.76	9.94	11.45	26.45
Average Interest Earning Assets, 1 Yr. Growth %	7.29	21.94	20.47	11.41	17.89
Average Interest Bearing Liabilities, 1 Yr. Growth %	5.6	17.16	19.23	12	19.97
Common Equity, 1 Yr. Growth %	12.71	13.65	11	8.66	25.23
Total Equity, 1 Yr. Growth %	12.71	13.65	16.3	8.26	24.17
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	7.95	16.96	19.42	16.23	19.34
Non Interest Income, 2 Yr. CAGR %	9.5	7.37	2.58	-4.93	1.64
Provision For Loan Losses, 2 Yr. CAGR %	11.36	153.86	60.64	-30.77	75
Total Revenues, 2 Yr. CAGR %	8.18	9.06	15.39	17.78	14.44
Earnings From Cont. Operations, 2 Yr. CAGR %	63.54	5.64	19.8	30.34	9.9
Net Income, 2 Yr. CAGR %	63.54	5.64	19.8	30.34	9.9
Normalized Net Income, 2 Yr. CAGR %	7.61	7.1	20.76	29.15	14.49
Diluted EPS Before Extra, 2 Yr. CAGR %	59.08	3.27	17.11	30.11	4.78
Dividend Per Share, 2 Yr. CAGR %	15.8	13.27	8.92	5.72	9.54
Gross Loans, 2 Yr. CAGR %	9.14	19.29	20.13	13.05	15.47
Allowance For Loan Losses, 2 Yr. CAGR %	2.01	57.21	57.18	9.83	22.02
Net Loans, 2 Yr. CAGR %	9.2	18.95	19.84	13.09	15.39
Non Performing Loans, 2 Yr. CAGR %	-13.33	16.34	5.03	-37.98	-1.02
Non Performing Assets, 2 Yr. CAGR %	-8.59	-0.74	-14.43	-40.1	-15.33
Total Assets, 2 Yr. CAGR %	6.12	18.81	21.99	12.29	13.83
Total Deposits, 2 Yr CAGR %	9.33	26	24.03	10.51	12.35
Tangible Book Value, 2 Yr. CAGR %	13.65	8.05	5.25	10.69	18.71
Average Interest Earning Assets, 2 Yr. CAGR %	6.84	14.38	21.2	15.85	14.6
Average Interest Bearing Liabilities, 2 Yr. CAGR %	5.39	11.23	18.19	15.56	15.92
Common Equity, 2 Yr. CAGR %	10.89	13.18	12.32	9.82	16.65
Total Equity, 2 Yr. CAGR %	10.89	13.18	14.97	12.21	15.94
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	16.3	13.02	16.35	18.72	17.92
Non Interest Income, 3 Yr. CAGR %	14.25	11.66	5.07	-1.86	1.3
Provision For Loan Losses, 3 Yr. CAGR %	45.81	126.37	21.14	64.9	-5.47
Total Revenues, 3 Yr. CAGR %	15.59	8.41	14.08	13.95	17.8
Earnings From Cont. Operations, 3 Yr. CAGR %	22.59	38.02	17.67	18.64	20.81
Net Income, 3 Yr. CAGR %	22.59	38.02	17.67	18.64	20.81
Normalized Net Income, 3 Yr. CAGR %	13.43	6.93	18.49	18.81	23.88
Diluted EPS Before Extra, 3 Yr. CAGR %	16.26	34.08	15.36	17.27	16.49
Dividend Per Share, 3 Yr. CAGR %	13.83	15.62	9.72	8.81	7.3
Gross Loans, 3 Yr. CAGR %	13.19	14.51	17.67	17.23	15.14
Allowance For Loan Losses, 3 Yr. CAGR %	3.85	36.91	35.28	43.83	14.25
Net Loans, 3 Yr. CAGR %	13.27	14.3	17.51	17	15.15
Non Performing Loans, 3 Yr. CAGR %	-7.57	9.89	-5.46	-12.08	-15.11
Non Performing Assets, 3 Yr. CAGR %	-7.63	-0.86	-14.8	-25.2	-23.36
Total Assets, 3 Yr. CAGR %	10.97	13.33	17.58	17.68	14.26
Total Deposits, 3 Yr CAGR %	13.88	17.49	21.65	18.33	12.7
Tangible Book Value, 3 Yr. CAGR %	16.62	9.18	8.67	7.28	15.71
Average Interest Earning Assets, 3 Yr. CAGR %	12.62	11.65	16.37	17.84	16.53
Average Interest Bearing Liabilities, 3 Yr. CAGR %	10.99	9.18	13.83	16.09	17.01
Common Equity, 3 Yr. CAGR %	16.83	11.8	12.45	11.08	14.73
Total Equity, 3 Yr. CAGR %	16.83	11.8	14.21	12.69	16.06
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	12.71	15.72	17.54	14.29	17.54
Non Interest Income, 5 Yr. CAGR %	9.04	11.11	11.74	4.7	3.68
Provision For Loan Losses, 5 Yr. CAGR %	-7.18	63.26	51.57	40.93	40.34
Total Revenues, 5 Yr. CAGR %	12.57	12.28	15.98	12.06	14.22
Earnings From Cont. Operations, 5 Yr. CAGR %	22.92	14.24	21.47	34.89	14.5
Net Income, 5 Yr. CAGR %	22.92	14.24	21.47	34.89	14.5
Normalized Net Income, 5 Yr. CAGR %	18.35	11.94	17.44	15.31	16.87
Diluted EPS Before Extra, 5 Yr. CAGR %	16.69	9.95	16.6	32.48	11.01
Dividend Per Share, 5 Yr. CAGR %	-	16.27	11.84	11.55	9.65
Gross Loans, 5 Yr. CAGR %	13.17	17.2	15.92	13.93	16.78
Allowance For Loan Losses, 5 Yr. CAGR %	3.2	22.96	22.57	25.36	29.81
Net Loans, 5 Yr. CAGR %	13.26	17.13	15.85	13.82	16.65
Non Performing Loans, 5 Yr. CAGR %	-1.63	5.22	-2.72	-12.58	-3.71
Non Performing Assets, 5 Yr. CAGR %	-9.32	-2.77	-10.42	-18.95	-15.01
Total Assets, 5 Yr. CAGR %	10.73	15.79	15.26	12.91	16.06
Total Deposits, 5 Yr CAGR %	12.51	19.46	17.83	14.64	17.84
Tangible Book Value, 5 Yr. CAGR %	14.39	10.7	11.93	9.78	12.58
Average Interest Earning Assets, 5 Yr. CAGR %	10.5	13.88	15.98	13.31	15.66
Average Interest Bearing Liabilities, 5 Yr. CAGR %	8.45	11.76	13.82	11.68	14.66
Common Equity, 5 Yr. CAGR %	15.14	14.39	15	11	14.11
Total Equity, 5 Yr. CAGR %	13.48	14.39	16.08	11.96	14.9