Cash flow Business First Bancshares, Inc.

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BFST

US12326C1053

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May. 21	Business First Bancshares, Inc. - Shareholder/Analyst Call
Apr. 27	Business First Bancshares, Inc., Q1 2026 Earnings Call, Apr 27, 2026

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Published financial data: BUSINESS FIRST BANCSHARES, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	157M	218M	323M	375M	419M
Interest Income On Investments	13.65M	18.08M	30M	40.21M	45.81M
Interest Income, Total	170M	236M	353M	415M	465M
Interest On Deposits	12.18M	24.41M	107M	165M	169M
Total Interest On Borrowings	4.37M	12.12M	31.29M	22.29M	22.92M
Interest Expense, Total	16.55M	36.54M	138M	187M	192M
Net Interest Income	154M	200M	215M	227M	273M
Service Charges On Deposits	6.81M	8.27M	9.7M	10.58M	10.7M
Gain (Loss) on Sale of Loans	10.12M	574K	1.97M	2.97M	3.44M
Gain (Loss) on Sale of Assets	-518K	-717K	945K	50K	2.52M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	378K	-48K	-2.56M	7K	64K
Total Other Non Interest Income	18.99M	21.23M	25.13M	30.59M	34.19M
Non Interest Income, Total	35.78M	29.31M	35.18M	44.19M	50.91M
Revenues Before Provison For Loan Losses	190M	229M	250M	272M	324M
Provision For Loan Losses	8.05M	10.89M	4.48M	10.87M	11.32M
Total Revenues	182M	218M	246M	261M	313M
Salaries And Other Employee Benefits	63.24M	81.16M	86.61M	101M	108M
Stock-Based Compensation (IS)	276K	-	-	-	-
Occupancy Expense	6.96M	9.62M	11.34M	13.04M	15.74M
Selling General & Admin Expenses, Total	12.54M	16.89M	18.14M	18.82M	23.88M
Total Other Non Interest Expense	31.98M	36.06M	40.37M	43.63M	51.24M
Non Interest Expense, Total	115M	144M	156M	176M	199M
EBT, Excl. Unusual Items	66.63M	74.27M	89.36M	84.67M	113M
Restructuring Charges	-	-	-	-	-
Total Merger & Related Restructuring Charges	-515K	-5.18M	-236K	-1.62M	-3.81M
Other Unusual Items	-1.56M	-501K	1.46M	-	630K
EBT, Incl. Unusual Items	64.56M	68.59M	90.59M	83.05M	110M
Income Tax Expense	12.42M	14.34M	19.54M	17.94M	22.45M
Earnings From Continuing Operations	52.14M	54.26M	71.04M	65.11M	87.86M
Net Income to Company	52.14M	54.26M	71.04M	65.11M	87.86M
Net Income - (IS)	52.14M	54.26M	71.04M	65.11M	87.86M
Preferred Dividend and Other Adjustments	-	1.35M	5.4M	5.4M	5.4M
Net Income to Common Incl Extra Items	52.14M	52.9M	65.64M	59.71M	82.46M
Net Income to Common Excl. Extra Items	52.14M	52.9M	65.64M	59.71M	82.46M
Per Share Items
Net EPS - Basic	2.54	2.34	2.62	2.27	2.81
Basic EPS - Continuing Operations	2.54	2.34	2.62	2.27	2.81
Basic Weighted Average Shares Outstanding	20.5M	22.63M	25.08M	26.25M	29.4M
Net EPS - Diluted	2.53	2.32	2.59	2.26	2.79
Diluted EPS - Continuing Operations	2.53	2.32	2.59	2.26	2.79
Diluted Weighted Average Shares Outstanding	20.63M	22.82M	25.3M	26.45M	29.55M
Normalized Basic EPS	2.03	2.05	2.23	2.02	2.41
Normalized Diluted EPS	2.02	2.03	2.21	2	2.4
Dividend Per Share	0.48	0.48	0.52	0.56	0.58
Payout Ratio	18.1	22.44	25.42	31.12	25.32
Supplemental Items
Effective Tax Rate - (Ratio)	19.24	20.9	21.57	21.61	20.35
Current Domestic Taxes	13.01M	12.97M	17.49M	18.91M	21.25M
Total Current Taxes	13.01M	12.97M	17.49M	18.91M	21.25M
Deferred Domestic Taxes	-586K	1.37M	2.05M	-962K	1.2M
Total Deferred Taxes	-586K	1.37M	2.05M	-962K	1.2M
Normalized Net Income	41.64M	46.42M	55.85M	52.92M	70.93M
Non-Cash Pension Expense	408K	507K	586K	766K	719K
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	2.58M	3.7M	4M	3M	5.82M
Stock-Based Comp., Other (Total)	276K	-	-	-	-
Total Stock-Based Compensation	2.86M	3.7M	4M	3M	5.82M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	295M	168M	377M	517M	584M
Investment Securities, Total	480M	457M	392M	427M	388M
Mortgage Backed Securities	552M	452M	506M	538M	650M
Total investments	1.03B	909M	899M	965M	1.04B
Gross Loans	3.2B	4.62B	5.01B	5.99B	6.2B
Allowance For Loan Losses	-29.11M	-38.18M	-40.41M	-54.84M	-53.96M
Other Adjustments to Gross Loans	-7.7M	-13.1M	-12.6M	-12.6M	-11.4M
Net Loans	3.16B	4.57B	4.95B	5.93B	6.14B
Gross Property Plant And Equipment	96.97M	111M	120M	141M	133M
Accumulated Depreciation	-38.82M	-48.21M	-50.67M	-59.55M	-59.42M
Net Property Plant And Equipment	58.16M	63.18M	69.48M	81.95M	73.98M
Goodwill	59.89M	88.54M	88.39M	122M	121M
Other Intangibles, Total	12.2M	14.04M	11.9M	17.25M	14.5M
Investment in FHLB	5.3M	19.7M	14.8M	20.6M	26.5M
Loans Held For Sale	1.2M	304K	835K	717K	1.09M
Accrued Interest Receivable	19.6M	25.67M	29.92M	35.87M	38.49M
Restricted Cash	-	-	-	-	-
Deferred Tax Assets Long-Term (Collected)	8.82M	31.19M	27.32M	29.59M	20.48M
Other Real Estate Owned And Foreclosed	1.43M	1.43M	1.68M	5.53M	13.01M
Other Long-Term Assets, Total	71.48M	102M	112M	136M	149M
Total Assets	4.73B	5.99B	6.58B	7.86B	8.21B
Liabilities
Interest Bearing Deposits	2.26B	2.65B	2.86B	3.97B	4.15B
Institutional Deposits	531M	623M	1.09B	1.18B	1.22B
Non-Interest Bearing Deposits	1.29B	1.55B	1.3B	1.36B	1.32B
Total Deposits	4.08B	4.82B	5.25B	6.51B	6.7B
Short-Term Borrowings	19.14M	296M	319M	22.62M	22.62M
Current Portion of Long-Term Debt	-	613K	-	82.56M	256M
Current Portion of Leases	2.24M	3.72M	4.43M	5.89M	5.9M
Long-Term Debt	81.43M	110M	99.99M	99.76M	92.53M
Federal Home Loan Bank Debt - Long-Term	82.02M	148M	211M	273M	175M
Long-Term Leases	12.06M	13.94M	16.74M	22.43M	20.84M
Trust Preferred Securities (BS)	5M	5M	5M	5M	5M
Accrued Interest Payable	1.35M	2.09M	14.84M	5.97M	4.17M
Other Non Current Liabilities	12.48M	9.76M	20.42M	28.75M	37.02M
Total Liabilities	4.29B	5.41B	5.94B	7.06B	7.32B
Preferred Stock Non Redeemable	-	71.93M	71.93M	71.93M	71.93M
Total Preferred Equity	-	71.93M	71.93M	71.93M	71.93M
Common Stock, Total	20.4M	25.11M	25.35M	29.55M	29.51M
Additional Paid In Capital	292M	394M	397M	500M	502M
Retained Earnings	122M	164M	216M	261M	327M
Comprehensive Income and Other	-1.18M	-74.2M	-66.58M	-63M	-33.29M
Total Common Equity	433M	509M	572M	728M	825M
Total Equity	433M	580M	644M	799M	897M
Total Liabilities And Equity	4.73B	5.99B	6.58B	7.86B	8.21B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	20.4M	25.11M	25.36M	29.55M	32.71M
ECS Total Common Shares Outstanding	20.4M	25.11M	25.35M	29.55M	29.51M
Book Value / Share	21.24	20.25	22.58	24.62	27.95
Tangible Book Value	361M	406M	472M	589M	689M
Tangible Book Value Per Share	17.71	16.17	18.62	19.92	23.36
Tangible Book Value Per Share (As Reported)	17.71	16.17	18.62	19.92	23.36
Average Assets	4.4B	5.47B	6.34B	6.97B	7.87B
Average Loans	3.04B	4.02B	4.86B	5.33B	6.02B
Total Debt	202M	578M	656M	512M	578M
Federal Funds Sold	227M	15.61M	151M	198M	172M
Debt Equivalent of Unfunded Proj. Benefit Obligation	2.6M	3M	3.5M	4.1M	4.8M
Net Debt	-93.52M	409M	279M	-56.02M	-31.07M
Full Time Employees	648	727	751	849	821
Part Time Employees	18	21	19	23	21
Number Of Offices	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	52.14M	54.26M	71.04M	65.11M	87.86M
Depreciation, Depletion & Amortization	4.16M	4.82M	4.67M	5.26M	5.68M
Amortization of Goodwill and Intangible Assets - (CF)	1.6M	2M	-	-	-
Total Depreciation, Depletion & Amortization	5.76M	6.82M	4.67M	5.26M	5.68M
Gain (Loss) on Sale of Loans & Receivables - (CF)	-9.18M	-398K	-671K	-2.38M	-931K
(Gain) Loss On Sale of Asset - (CF)	912K	92K	-1.16M	-89K	-2.84M
(Gain) Loss on Sale of Investments - (CF)	6.64M	6.05M	6.76M	2.13M	734K
Provision for Credit Losses	8.05M	10.89M	4.48M	10.87M	11.32M
(Income) Loss On Equity Investments - (CF)	-2.4M	-1.55M	-3.04M	-2.2M	-2.1M
Stock-Based Compensation (CF)	2.86M	3.7M	4M	3M	5.82M
Changes in Accrued Interest Receivable	4.3M	-3.47M	-4.25M	-3.08M	-2.64M
Changes in Accrued Interest Payable	-1.14M	519K	12.75M	-10.5M	-1.76M
Change in Other Net Operating Assets (Collected)	-1.96M	5.92M	9.76M	-382K	-4.18M
Other Operating Activities	-9.53M	-13.25M	-11.91M	-6.34M	-4.9M
Cash from Operations	56.44M	69.58M	92.43M	61.4M	92.08M
Capital Expenditure	-3.97M	-7.78M	-11.65M	-1.56M	-66K
Sale of Property, Plant, and Equipment	-	-	-	-	-
Cash Acquisitions	-7.26M	163M	-	96.82M	-
Divestitures	-13.73M	-	-14.51M	-	-43.08M
Sale (Purchase) of Real Estate Properties (Collected)	7.64M	682K	1.24M	621K	9.77M
Investment in Marketable and Equity Securities, Total	-404M	18.82M	20.65M	-49.72M	-39.64M
Net (Increase) Decrease in Loans Originated / Sold - Investing	-188M	-1.07B	-379M	-295M	-234M
Other Investing Activities, Total	-66.84M	195M	-138M	-46.14M	25.78M
Cash from Investing	-675M	-701M	-521M	-295M	-282M
Short Term Debt Issued, Total	-	15.14M	300M	3.74M	1K
Long-Term Debt Issued, Total	91.52M	327M	-	122M	75.32M
Total Debt Issued	91.52M	342M	300M	126M	75.33M
Short Term Debt Repaid, Total	-7.7M	-11K	-15.38M	-300M	-
Long-Term Debt Repaid, Total	-6M	-	-208M	-	-6.37M
Total Debt Repaid	-13.7M	-11K	-223M	-300M	-6.37M
Issuance of Common Stock	3.56M	48.49M	-	-	-
Repurchase of Common Stock	-10.92M	-	-	-	-3.73M
Issuance of Preferred Stock	-	71.93M	-	-	-
Common Dividends Paid	-9.44M	-10.82M	-12.66M	-14.86M	-16.84M
Preferred Dividends Paid	-	-1.35M	-5.4M	-5.4M	-5.4M
Common & Preferred Stock Dividends Paid	-9.44M	-12.17M	-18.06M	-20.26M	-22.24M
Net Increase (Decrease) in Deposit Accounts - (CF)	480M	266M	445M	521M	239M
Other Financing Activities, Total	-2.99M	-1.1M	-1.46M	-31K	-
Cash from Financing	538M	715M	502M	326M	282M
Net Change in Cash	-80.76M	84.36M	73.37M	92.99M	92.08M
Supplemental Items
Cash Interest Paid	17.7M	35.8M	125M	196M	194M
Cash Income Tax Paid (Refund)	15.71M	13.55M	16.1M	17.35M	24.07M
Net Debt Issued / Repaid	77.82M	342M	76.82M	-174M	68.96M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.17	1.01	1.13	0.9	1.09
Return On Equity %	12.36	10.7	11.6	9.02	10.36
Return on Common Equity	12.36	11.23	12.15	9.19	10.62
Shareholders Value Added	3.46M	2.98M	6.34M	-11.87M	-2.91M
Margin Analysis
SG&A Margin	45.55	49.39	47.23	50.79	47.33
Net Interest Income / Total Revenues %	84.73	91.55	87.51	87.22	87.34
EBT Excl. Non-Recurring Items Margin %	36.69	34.07	36.35	32.48	36.29
Income From Continuing Operations Margin %	28.71	24.89	28.9	24.97	28.09
Net Income Margin %	28.71	24.89	28.9	24.97	28.09
Net Avail. For Common Margin %	28.71	24.27	26.7	22.9	26.37
Normalized Net Income Margin	22.93	21.29	22.72	20.3	22.68
Asset quality
Nonperforming Loans / Total Loans %	0.41	0.25	0.34	0.42	1.24
Nonperforming Loans / Total Assets %	0.28	0.19	0.26	0.32	0.93
Nonperforming Assets / Total Assets %	0.31	0.21	0.28	0.39	1.09
NPAs / Loans and OREO	0.45	0.28	0.37	0.51	1.44
NPAs / Equity	3.35	2.21	2.91	3.82	10
Allowance for Credit Losses / Net Charge-offs %	3.04K	2.1K	750.49	1.22K	460.79
Allowance for Credit Losses / Nonperforming Loans %	222.4	335.22	236.75	219.3	70.36
Allowance for Credit Losses / Total Loans %	0.91	0.83	0.81	0.91	0.87
Net Charge-offs / Total Average Loans %	0.03	0.05	0.11	0.08	0.19
Provision for Loan Losses / Net Charge-offs %	839.1	598.13	83.25	242	96.65
Earning Assets / IBL	145.75	149.07	138.71	132.48	130.84
Interest Income / Average Assets	3.87	4.31	5.57	5.95	5.91
Interest Expense / Average Assets	0.38	0.67	2.18	2.69	2.44
Net Interest Income / Average Assets	3.49	3.65	3.39	3.26	3.47
Non Interest Income / Average Assets	0.81	0.54	0.55	0.63	0.65
Non Interest Expense / Average Asset	2.61	2.63	2.47	2.52	2.53
Capital And Funding
Total Average Common Equity / Total Average Assets %	9.49	8.79	8.6	9	9.66
Total Average Equity / Total Average Assets %	9.49	9.46	9.74	10	10.55
Total Equity + Allowance for Loan Losses / Total Loans %	14.46	13.39	13.68	14.25	15.33
Gross Loans / Total Deposits %	78.42	95.83	95.36	92.05	92.57
Net Loans / Total Deposits %	77.51	94.76	94.35	91.02	91.59
Tier 1 Capital Ratio %	9.17	10.07	10.46	10.56	11
Total Capital Ratio %	11.94	12.75	12.85	12.75	12.93
Core Tier 1 Capital Ratio	9.04	8.68	9.15	9.44	9.94
Equity Tier 1 Capital Ratio	7.8	6.9	7.3	7.6	8.5
Coverage Ratio	210.64	259.59	850.82	33.35	121.15
Leverage Ratio %	8.14	9.49	9.52	9.53	10.08
Interbank Ratio	1.19K	45.54	800.29	1.1K	875.17
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	15.77	6.66	3.9	4.73	5.81
EBT + Interest Expense / Interest Expense	4.9	2.88	1.66	1.44	1.57
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	20.56	29.69	7.79	5.7	20.13
Non Interest Income, 1 Yr. Growth %	65.93	-18.09	20.04	25.61	15.2
Provision For Loan Losses, 1 Yr. Growth %	-29.63	35.28	-58.82	142.54	4.09
Total Revenues, 1 Yr. Growth %	31.82	20.03	12.77	6.05	19.97
Earnings From Cont. Operations, 1 Yr. Growth %	73.82	4.06	30.94	-8.36	34.95
Net Income, 1 Yr. Growth %	73.82	4.06	30.94	-8.36	34.95
Normalized Net Income, 1 Yr. Growth %	43.78	11.47	20.32	-5.25	34.03
Diluted EPS Before Extra, 1 Yr. Growth %	54.27	-8.3	11.64	-12.74	23.45
Dividend Per Share, 1 Yr. Growth %	20	0	8.33	7.69	3.57
Gross Loans, 1 Yr. Growth %	6.52	44.47	8.36	19.75	3.45
Allowance For Loan Losses, 1 Yr. Growth %	32.18	31.14	5.86	35.7	-1.61
Net Loans, 1 Yr. Growth %	6.44	44.53	8.41	19.67	3.53
Non Performing Loans, 1 Yr. Growth %	23.65	-12.99	49.88	46.5	206.66
Non Performing Assets, 1 Yr. Growth %	-27.56	-11.67	46.26	62.82	193.75
Total Assets, 1 Yr. Growth %	13.6	26.75	9.92	19.33	4.55
Total Deposits, 1 Yr Growth %	12.74	18.22	8.89	24.05	2.88
Tangible Book Value, 1 Yr. Growth %	4.3	12.37	16.28	24.72	17.09
Average Interest Earning Assets, 1 Yr. Growth %	27.53	26.92	16.65	10.05	13.25
Average Interest Bearing Liabilities, 1 Yr. Growth %	23.44	24.09	25.36	15.23	14.67
Common Equity, 1 Yr. Growth %	5.71	17.35	12.54	27.12	13.39
Total Equity, 1 Yr. Growth %	5.71	33.95	10.99	24.09	12.19
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	38.52	25.04	18.24	6.74	12.68
Non Interest Income, 2 Yr. CAGR %	82.8	16.59	-0.84	22.79	20.29
Provision For Loan Losses, 2 Yr. CAGR %	75.72	-2.43	-25.36	-0.06	58.89
Total Revenues, 2 Yr. CAGR %	43.42	25.79	16.34	9.36	12.79
Earnings From Cont. Operations, 2 Yr. CAGR %	48.09	34.49	16.73	9.55	11.21
Net Income, 2 Yr. CAGR %	48.09	34.49	16.73	9.55	11.21
Normalized Net Income, 2 Yr. CAGR %	47.56	26.6	15.81	6.77	12.69
Diluted EPS Before Extra, 2 Yr. CAGR %	20.58	18.94	1.18	-1.3	3.79
Dividend Per Share, 2 Yr. CAGR %	9.54	9.54	4.08	8.01	5.61
Gross Loans, 2 Yr. CAGR %	36.61	24.05	25.12	13.91	11.3
Allowance For Loan Losses, 2 Yr. CAGR %	54.96	31.66	17.82	19.85	15.55
Net Loans, 2 Yr. CAGR %	36.42	24.03	25.18	13.9	11.31
Non Performing Loans, 2 Yr. CAGR %	20.27	3.72	14.19	48.18	111.95
Non Performing Assets, 2 Yr. CAGR %	4.69	-20.01	13.66	54.32	118.69
Total Assets, 2 Yr. CAGR %	44.17	20	18.03	14.53	11.7
Total Deposits, 2 Yr CAGR %	51.26	15.45	13.46	16.22	12.97
Tangible Book Value, 2 Yr. CAGR %	25.35	8.26	14.31	20.42	20.84
Average Interest Earning Assets, 2 Yr. CAGR %	-	27.22	21.68	13.3	11.64
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	23.77	24.72	20.19	14.95
Common Equity, 2 Yr. CAGR %	23.29	11.38	14.92	19.61	20.06
Total Equity, 2 Yr. CAGR %	23.29	18.99	21.93	17.36	17.99
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	35.23	35.51	19	13.9	11.03
Non Interest Income, 3 Yr. CAGR %	66.31	39.88	17.73	7.29	20.21
Provision For Loan Losses, 3 Yr. CAGR %	49.88	61.05	-26.81	10.55	1.31
Total Revenues, 3 Yr. CAGR %	39.01	35.16	21.29	12.8	12.78
Earnings From Cont. Operations, 3 Yr. CAGR %	54.67	31.66	33.3	7.69	17.43
Net Income, 3 Yr. CAGR %	54.67	31.66	33.3	7.69	17.43
Normalized Net Income, 3 Yr. CAGR %	47.09	34.39	24.47	8.32	15.18
Diluted EPS Before Extra, 3 Yr. CAGR %	27.52	10.06	16.45	-3.69	6.34
Dividend Per Share, 3 Yr. CAGR %	14.47	6.27	9.14	5.27	6.51
Gross Loans, 3 Yr. CAGR %	27.84	39.18	18.59	23.3	10.31
Allowance For Loan Losses, 3 Yr. CAGR %	37.41	46.57	22.43	23.5	12.22
Net Loans, 3 Yr. CAGR %	27.71	39.08	18.59	23.32	10.33
Non Performing Loans, 3 Yr. CAGR %	-1.19	7.97	17.26	24.08	88.83
Non Performing Assets, 3 Yr. CAGR %	-2.13	-1.07	-2.18	28.13	91.25
Total Assets, 3 Yr. CAGR %	31.16	38.11	16.54	18.46	11.1
Total Deposits, 3 Yr CAGR %	32.98	39.33	13.22	16.89	11.59
Tangible Book Value, 3 Yr. CAGR %	21.25	20.87	10.87	17.68	19.3
Average Interest Earning Assets, 3 Yr. CAGR %	-	-	23.6	17.67	13.28
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	-	24.3	21.47	18.32
Common Equity, 3 Yr. CAGR %	18.56	21.28	11.76	18.85	17.5
Total Equity, 3 Yr. CAGR %	18.56	26.75	16.26	22.64	15.61
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	32.56	35.08	28.16	23.17	16.43
Non Interest Income, 5 Yr. CAGR %	45.85	39.15	35.23	32.78	18.75
Provision For Loan Losses, 5 Yr. CAGR %	45.83	20.77	13.41	33.07	-0.21
Total Revenues, 5 Yr. CAGR %	34.16	36.65	29.45	24.18	17.82
Earnings From Cont. Operations, 5 Yr. CAGR %	59.12	62.1	38.2	22.32	23.98
Net Income, 5 Yr. CAGR %	59.12	62.1	38.2	22.32	23.98
Normalized Net Income, 5 Yr. CAGR %	58.16	52.25	33.67	22.57	19.62
Diluted EPS Before Extra, 5 Yr. CAGR %	29.3	30.63	16.25	5.37	11.21
Dividend Per Share, 5 Yr. CAGR %	19.14	14.87	10.2	6.96	7.71
Gross Loans, 5 Yr. CAGR %	31.55	36.45	26.75	28.46	15.62
Allowance For Loan Losses, 5 Yr. CAGR %	28.96	34.22	29.21	35.24	19.63
Net Loans, 5 Yr. CAGR %	31.53	36.43	26.69	28.4	15.62
Non Performing Loans, 5 Yr. CAGR %	12.41	-2.1	4.7	22.54	48.59
Non Performing Assets, 5 Yr. CAGR %	11.35	-0.11	3.9	18.18	34.95
Total Assets, 5 Yr. CAGR %	33.71	35.3	25.74	28.14	14.58
Total Deposits, 5 Yr CAGR %	34.31	35.49	24.8	29.58	13.12
Tangible Book Value, 5 Yr. CAGR %	28.17	18.86	18.42	20.69	14.76
Average Interest Earning Assets, 5 Yr. CAGR %	-	-	-	-	18.67
Average Interest Bearing Liabilities, 5 Yr. CAGR %	-	-	-	-	20.47
Common Equity, 5 Yr. CAGR %	30.72	23.1	17.09	20.61	15.01
Total Equity, 5 Yr. CAGR %	30.72	26.4	19.89	22.9	16.95