Cash flow Cathay General Bancorp

Equities

CATY

US1491501045

Banks

Market Closed - Nasdaq Other stock markets 04:00:00 2025-06-13 pm EDT			5-day change	1st Jan Change
43.28 ^USD	-2.96%		-2.46%	-9.09%

Jun. 05	Cathay General Bancorp's Board Authorizes $150 Million Share Buyback Plan	MT
Jun. 05	Cathay General Bancorp announces an Equity Buyback for $150 million worth of its shares.	CI

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Published financial data: CATHAY GENERAL BANCORP

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	677M	649M	802M	1.13B	1.22B
Interest Income On Investments	23.38M	17.29M	49.3M	112M	118M
Interest Income, Total	701M	667M	851M	1.24B	1.33B
Interest On Deposits	137M	61.8M	105M	468M	636M
Total Interest On Borrowings	11.44M	6.96M	12.29M	32.51M	24.66M
Interest Expense, Total	148M	68.76M	118M	500M	661M
Net Interest Income	552M	598M	734M	742M	674M
Service Charges On Deposits	4.95M	5.58M	6.52M	6.43M	6.57M
Trust Income	-	-	16.44M	17.51M	24.06M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	547K	-573K	392K	15.25M	-6.41M
Total Other Non Interest Income	37.32M	49.59M	33.46M	29.11M	31.44M
Non Interest Income, Total	42.82M	54.6M	56.81M	68.29M	55.66M
Revenues Before Provison For Loan Losses	595M	652M	791M	810M	730M
Provision For Loan Losses	57.5M	-16.01M	14.54M	25.98M	37.5M
Total Revenues	537M	668M	776M	784M	692M
Salaries And Other Employee Benefits	118M	126M	135M	146M	161M
Amort. of Goodwill & Intang. Assets	687K	687K	1.89M	1.31M	1.1M
Federal Deposit Insurance	9M	7.13M	8.04M	23.59M	14.28M
Selling General & Admin Expenses, Total	80.15M	84.86M	92.52M	101M	104M
(Income) Loss on Real Estate Property	55.13M	45.79M	42.19M	87.38M	75.33M
Total Other Non Interest Expense	20.19M	19.91M	19.95M	20.53M	19.3M
Non Interest Expense, Total	283M	284M	299M	380M	375M
EBT, Excl. Unusual Items	255M	384M	477M	404M	318M
Total Merger & Related Restructuring Charges	-	-1.42M	-4.13M	-671K	-
Impairment of Goodwill	-	-	-	-	-
Gain (Loss) on Sale of Investments	-	-	-	-	-
Other Unusual Items	-693K	-732K	-	-	-
EBT, Incl. Unusual Items	254M	382M	473M	404M	318M
Income Tax Expense	25.1M	83.54M	112M	49.46M	31.56M
Earnings From Continuing Operations	229M	298M	361M	354M	286M
Net Income to Company	229M	298M	361M	354M	286M
Net Income - (IS)	229M	298M	361M	354M	286M
Net Income to Common Incl Extra Items	229M	298M	361M	354M	286M
Net Income to Common Excl. Extra Items	229M	298M	361M	354M	286M
Per Share Items
Net EPS - Basic	2.88	3.81	4.85	4.88	3.97
Basic EPS - Continuing Operations	2.88	3.81	4.85	4.88	3.97
Basic Weighted Average Shares Outstanding	79.58M	78.27M	74.34M	72.57M	72.07M
Net EPS - Diluted	2.87	3.8	4.83	4.86	3.95
Diluted EPS - Continuing Operations	2.87	3.8	4.83	4.86	3.95
Diluted Weighted Average Shares Outstanding	79.78M	78.57M	74.66M	72.86M	72.33M
Normalized Basic EPS	2	3.07	4.01	3.48	2.75
Normalized Diluted EPS	2	3.05	3.99	3.47	2.74
Dividend Per Share	1.24	1.3	1.36	1.36	1.36
Payout Ratio	43.12	33.3	27.99	27.85	34.26
Supplemental Items
Effective Tax Rate - (Ratio)	9.89	21.88	23.68	12.25	9.94
Current Domestic Taxes	34.59M	74.37M	114M	54.24M	52.32M
Total Current Taxes	34.59M	74.37M	114M	54.24M	52.32M
Deferred Domestic Taxes	-9.49M	9.17M	-2.09M	-4.78M	-20.76M
Total Deferred Taxes	-9.49M	9.17M	-2.09M	-4.78M	-20.76M
Normalized Net Income	159M	240M	298M	253M	198M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	6.41M	6.81M	7.83M	7.84M	6.8M
Total Stock-Based Compensation	6.41M	6.81M	7.83M	7.84M	6.8M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	1.4B	2.44B	1.13B	814M	1.03B
Investment Securities, Total	632M	551M	924M	1.15B	1.16B
Trading Asset Securities, Total	4.66M	4.02M	448K	39.01M	33.24M
Mortgage Backed Securities	737M	898M	898M	815M	709M
Total investments	1.37B	1.45B	1.82B	2B	1.9B
Gross Loans	15.64B	16.34B	18.25B	19.55B	19.38B
Allowance For Loan Losses	-167M	-136M	-146M	-155M	-162M
Other Adjustments to Gross Loans	-2.49M	-4.32M	-6.64M	-10.72M	-10.54M
Net Loans	15.48B	16.2B	18.1B	19.38B	19.2B
Gross Property Plant And Equipment	236M	234M	238M	244M	243M
Accumulated Depreciation	-102M	-107M	-114M	-121M	-126M
Net Property Plant And Equipment	134M	127M	124M	123M	117M
Goodwill	372M	372M	376M	376M	376M
Other Intangibles, Total	5.43M	4.63M	5.76M	4.46M	3.34M
Investment in FHLB	17.25M	17.25M	17.25M	17.75M	17.25M
Loans Held For Sale	-	-	-	-	-
Accrued Interest Receivable	59.03M	56.99M	82.43M	97.67M	97.78M
Other Receivables	19.5M	41.1M	16.7M	33.7M	37M
Restricted Cash	21.2M	6.59M	33.6M	15M	8.9M
Other Current Assets, Total	13.75M	8.11M	2.37M	3.26M	14.06M
Deferred Tax Assets Long-Term (Collected)	64.29M	58.34M	101M	97.4M	120M
Other Real Estate Owned And Foreclosed	4.92M	4.37M	4.07M	19.44M	23.07M
Other Long-Term Assets, Total	82.44M	91.94M	131M	97.65M	102M
Total Assets	19.04B	20.89B	21.95B	23.08B	23.05B
Liabilities
Interest Bearing Deposits	7.58B	8.8B	8.49B	10.32B	10.65B
Institutional Deposits	5.17B	4.77B	5.85B	5.48B	5.75B
Non-Interest Bearing Deposits	3.37B	4.49B	4.17B	3.53B	3.28B
Total Deposits	16.11B	18.06B	18.51B	19.33B	19.69B
Short-Term Borrowings	2.2M	327K	151M	38.81M	33.53M
Current Portion of Long-Term Debt	130M	-	320M	540M	60M
Current Portion of Leases	9.38M	9.44M	10.83M	10.8M	10.24M
Long-Term Debt	23.71M	23.14M	22.6M	15.79M	17.74M
Federal Home Loan Bank Debt - Long-Term	20M	20M	15M	-	-
Long-Term Leases	24.1M	21.26M	21.68M	24M	20.61M
Trust Preferred Securities (BS)	119M	119M	119M	119M	119M
Other Current Liabilities - (Bank / Utility Template)	13.75M	8.11M	2.37M	3.26M	14.06M
Other Non Current Liabilities	173M	180M	306M	268M	247M
Total Liabilities	16.62B	18.44B	19.47B	20.34B	20.21B
Common Stock, Total	906K	909K	911K	914K	916K
Additional Paid In Capital	965M	972M	981M	988M	994M
Retained Earnings	1.79B	1.99B	2.24B	2.5B	2.69B
Treasury Stock	-342M	-509M	-651M	-667M	-752M
Comprehensive Income and Other	5.31M	-3.06M	-102M	-85.42M	-85.61M
Total Common Equity	2.42B	2.45B	2.47B	2.74B	2.85B
Total Equity	2.42B	2.45B	2.47B	2.74B	2.85B
Total Liabilities And Equity	19.04B	20.89B	21.95B	23.08B	23.05B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	79.51M	75.29M	72.56M	72.67M	70.29M
ECS Total Common Shares Outstanding	79.51M	75.75M	72.74M	72.67M	70.86M
Book Value / Share	30.41	32.29	34.01	37.66	40.16
Tangible Book Value	2.04B	2.07B	2.09B	2.36B	2.47B
Tangible Book Value Per Share	25.66	27.32	28.77	32.43	34.81
Average Assets	18.74B	19.59B	21.38B	22.71B	23.37B
Average Loans	15.5B	15.83B	17.63B	18.76B	19.43B
Total Debt	329M	193M	660M	749M	261M
Deposits at Interest - Cash	1.28B	2.32B	967M	655M	882M
Net Debt	-1.08B	-2.25B	-469M	-104M	-803M
Equity Method Investments, Total	309M	299M	327M	316M	290M
Full Time Employees	1.2K	1.16K	1.18K	1.25K	1.27K
Number Of Offices	62	60	65	65	64

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	229M	298M	361M	354M	286M
Depreciation, Depletion & Amortization	15.82M	15.43M	17.91M	16.79M	15.73M
Amortization of Goodwill and Intangible Assets - (CF)	687K	687K	1.89M	110K	998K
Total Depreciation, Depletion & Amortization	16.51M	16.12M	19.8M	16.9M	16.73M
Gain (Loss) on Sale of Loans & Receivables - (CF)	-413K	-357K	-1K	-	737K
(Gain) Loss On Sale of Asset - (CF)	-3.45M	15K	61K	6K	1.16M
(Gain) Loss on Sale of Investments - (CF)	66.2M	54.5M	44.14M	60M	53.67M
Total Asset Writedown	-	-	-	1.2M	100K
Provision for Credit Losses	57.5M	-16.01M	14.54M	25.98M	37.5M
Stock-Based Compensation (CF)	6.41M	6.81M	7.83M	7.84M	6.8M
Tax Benefit from Stock Options	-	-	-	-	-
Net (Increase) Decrease in Loans Originated / Sold - Operating	413K	357K	33K	-	-
Changes in Accrued Interest Receivable	-21.25M	-34.2M	-80.41M	-54.37M	-10.05M
Change in Other Net Operating Assets (Collected)	-21.34M	-387K	103M	-22.15M	-42.72M
Other Operating Activities	-9.49M	9.17M	-2.09M	-4.78M	-20.76M
Cash from Operations	320M	334M	467M	385M	329M
Capital Expenditure	-5.78M	-3.73M	-3.39M	-3.4M	-3.64M
Sale of Property, Plant, and Equipment	-	-	-	-	-
Cash Acquisitions	-	-	-73.88M	-	-
Sale (Purchase) of Real Estate Properties (Collected)	4.31M	795K	307K	-	-
Investment in Marketable and Equity Securities, Total	342M	-144M	-504M	-146M	50.23M
Net (Increase) Decrease in Loans Originated / Sold - Investing	-583M	-716M	-1.27B	-1.33B	137M
Other Investing Activities, Total	840K	2.75M	4.01M	-496K	496K
Cash from Investing	-242M	-860M	-1.85B	-1.48B	184M
Short Term Debt Issued, Total	-	-	-	-	-
Long-Term Debt Issued, Total	1.45B	50M	465M	14.04B	6.97B
Total Debt Issued	1.45B	50M	465M	14.04B	6.97B
Short Term Debt Repaid, Total	-25.68M	-	-	-	-
Long-Term Debt Repaid, Total	-1.98B	-180M	-	-13.98B	-7.45B
Total Debt Repaid	-2B	-180M	-	-13.98B	-7.45B
Issuance of Common Stock	9.78M	3.56M	3.72M	3.49M	2.93M
Repurchase of Common Stock	-25.5M	-170M	-144M	-21.16M	-88.43M
Common Dividends Paid	-98.69M	-99.32M	-101M	-98.64M	-97.97M
Common & Preferred Stock Dividends Paid	-98.69M	-99.32M	-101M	-98.64M	-97.97M
Net Increase (Decrease) in Deposit Accounts - (CF)	1.42B	1.95B	-129M	820M	361M
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	750M	1.55B	94.74M	759M	-302M
Net Change in Cash	827M	1.03B	-1.29B	-334M	211M
Supplemental Items
Cash Interest Paid	162M	75.49M	106M	485M	662M
Cash Income Tax Paid (Refund)	45.37M	92.69M	96.88M	70.33M	56.17M
Net Debt Issued / Repaid	-553M	-130M	465M	55M	-480M

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	1.23	1.49	1.68	1.57	1.24
Return On Equity %	9.71	12.26	14.66	13.59	10.25
Return on Common Equity	9.71	12.26	14.66	13.59	10.25
Shareholders Value Added	-53.2M	8.02M	69.9M	42.02M	-47.96M
Margin Analysis
SG&A Margin	36.8	31.55	29.28	31.5	38.23
Net Interest Income / Total Revenues %	102.73	89.44	94.55	94.6	97.38
EBT Excl. Non-Recurring Items Margin %	47.38	57.45	61.43	51.56	45.87
Income From Continuing Operations Margin %	42.58	44.63	46.48	45.17	41.31
Net Income Margin %	42.58	44.63	46.48	45.17	41.31
Net Avail. For Common Margin %	42.58	44.63	46.48	45.17	41.31
Normalized Net Income Margin	29.62	35.91	38.39	32.22	28.67
Asset quality
Nonperforming Loans / Total Loans %	0.46	0.41	0.44	0.38	0.89
Nonperforming Loans / Total Assets %	0.38	0.32	0.37	0.32	0.75
Nonperforming Assets / Total Assets %	0.41	0.34	0.38	0.4	0.85
NPAs / Loans and OREO	0.5	0.44	0.46	0.48	1.01
NPAs / Equity	3.21	2.93	3.42	3.41	6.9
Allowance for Credit Losses / Net Charge-offs %	1.17K	773.14	5.67K	879.29	545.14
Allowance for Credit Losses / Nonperforming Loans %	229.18	202.36	182.12	209.33	93.39
Allowance for Credit Losses / Total Loans %	1.06	0.83	0.8	0.79	0.83
Net Charge-offs / Total Average Loans %	0.09	0.11	0.01	0.09	0.15
Provision for Loan Losses / Net Charge-offs %	405.33	-90.9	562.59	147.79	126.37
Earning Assets / IBL	136.43	140.96	141.91	133.46	130.73
Interest Income / Average Assets	3.74	3.4	3.98	5.47	5.71
Interest Expense / Average Assets	0.79	0.35	0.55	2.2	2.83
Net Interest Income / Average Assets	2.95	3.05	3.43	3.27	2.88
Non Interest Income / Average Assets	0.23	0.28	0.27	0.3	0.24
Non Interest Expense / Average Asset	1.51	1.45	1.4	1.67	1.6
Capital And Funding
Total Average Common Equity / Total Average Assets %	12.69	12.18	11.49	11.57	12.1
Total Average Equity / Total Average Assets %	12.69	12.18	11.49	11.57	12.1
Total Equity + Allowance for Loan Losses / Total Loans %	16.52	15.8	14.36	14.79	15.52
Gross Loans / Total Deposits %	97.11	90.5	98.64	101.15	98.42
Net Loans / Total Deposits %	96.06	89.72	97.81	100.3	97.55
Tier 1 Capital Ratio %	13.53	12.8	12.21	12.84	13.54
Total Capital Ratio %	15.47	14.41	13.73	14.31	15.08
Core Tier 1 Capital Ratio	13.53	12.8	12.21	12.84	13.54
Tier 2 Capital Ratio	-	-	-	-	-
Coverage Ratio	174.56	206.78	212.75	231.79	95.63
Leverage Ratio %	10.94	10.4	10.08	10.55	10.96
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	23.2	55.9	39.46	13.41	13.88
EBT + Interest Expense / Interest Expense	2.71	6.55	5.02	1.81	1.48
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-3.97	8.27	22.74	1.1	-9.13
Non Interest Income, 1 Yr. Growth %	-4.32	27.52	4.05	20.2	-18.49
Provision For Loan Losses, 1 Yr. Growth %	-921.43	-127.84	-190.85	78.63	44.35
Total Revenues, 1 Yr. Growth %	-14.24	24.36	16.1	1.04	-11.71
Earnings From Cont. Operations, 1 Yr. Growth %	-18.01	30.34	20.9	-1.81	-19.24
Net Income, 1 Yr. Growth %	-18.01	30.34	20.9	-1.81	-19.24
Normalized Net Income, 1 Yr. Growth %	-27.11	50.79	24.13	-15.19	-21.45
Diluted EPS Before Extra, 1 Yr. Growth %	-17.53	32.4	27.11	0.62	-18.72
Dividend Per Share, 1 Yr. Growth %	0	4.84	4.62	0	0
Gross Loans, 1 Yr. Growth %	3.77	4.46	11.7	7.09	-0.88
Allowance For Loan Losses, 1 Yr. Growth %	35.15	-18.24	7.59	5.51	4.66
Net Loans, 1 Yr. Growth %	3.5	4.7	11.72	7.08	-0.92
Non Performing Loans, 1 Yr. Growth %	54.83	-7.41	19.54	-8.2	134.58
Non Performing Assets, 1 Yr. Growth %	35.69	-7.64	17.93	10.39	110.42
Total Assets, 1 Yr. Growth %	5.24	9.68	5.08	5.16	-0.12
Total Deposits, 1 Yr Growth %	9.65	12.1	2.47	4.43	1.87
Tangible Book Value, 1 Yr. Growth %	6.51	1.42	1.12	12.61	4.68
Average Interest Earning Assets, 1 Yr. Growth %	9.06	4.78	9.13	6.18	3.22
Average Interest Bearing Liabilities, 1 Yr. Growth %	7.73	1.42	8.4	12.9	5.37
Common Equity, 1 Yr. Growth %	5.4	1.16	1.14	10.61	3.99
Total Equity, 1 Yr. Growth %	5.4	1.16	1.14	10.61	3.99
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-1.23	1.97	15.28	11.4	-4.15
Non Interest Income, 2 Yr. CAGR %	16.84	10.46	15.19	11.83	-1.02
Provision For Loan Losses, 2 Yr. CAGR %	257.46	51.22	-49.71	27.39	60.58
Total Revenues, 2 Yr. CAGR %	-5.5	3.27	20.16	8.31	-5.55
Earnings From Cont. Operations, 2 Yr. CAGR %	-8.25	3.38	25.53	8.96	-10.95
Net Income, 2 Yr. CAGR %	-8.25	3.38	25.53	8.96	-10.95
Normalized Net Income, 2 Yr. CAGR %	-13.39	4.84	36.81	2.6	-18.38
Diluted EPS Before Extra, 2 Yr. CAGR %	-7.16	4.5	29.73	13.09	-9.57
Dividend Per Share, 2 Yr. CAGR %	6.17	2.39	4.73	2.28	0
Gross Loans, 2 Yr. CAGR %	5.73	4.12	8.02	9.37	3.03
Allowance For Loan Losses, 2 Yr. CAGR %	16.65	5.12	-6.21	6.54	5.09
Net Loans, 2 Yr. CAGR %	5.62	4.1	8.15	9.38	3
Non Performing Loans, 2 Yr. CAGR %	26.25	19.74	5.21	4.76	46.75
Non Performing Assets, 2 Yr. CAGR %	15.4	11.95	4.36	14.1	52.41
Total Assets, 2 Yr. CAGR %	6.52	7.44	7.36	5.12	2.49
Total Deposits, 2 Yr CAGR %	8.43	10.87	7.18	3.45	3.14
Tangible Book Value, 2 Yr. CAGR %	8.21	3.93	1.27	6.71	8.57
Average Interest Earning Assets, 2 Yr. CAGR %	8.9	6.9	6.93	7.64	4.69
Average Interest Bearing Liabilities, 2 Yr. CAGR %	9.03	4.53	4.85	10.63	9.07
Common Equity, 2 Yr. CAGR %	6.75	3.26	1.15	5.77	7.25
Total Equity, 2 Yr. CAGR %	6.75	3.26	1.15	5.77	7.25
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	3.66	1.84	8.47	10.34	4.09
Non Interest Income, 3 Yr. CAGR %	11.77	20.3	8.28	16.84	0.64
Provision For Loan Losses, 3 Yr. CAGR %	184.39	52.65	27.6	-23.27	32.81
Total Revenues, 3 Yr. CAGR %	0.54	3.56	7.38	13.42	1.18
Earnings From Cont. Operations, 3 Yr. CAGR %	9.14	3.14	8.91	15.66	-1.4
Net Income, 3 Yr. CAGR %	9.14	3.14	8.91	15.66	-1.4
Normalized Net Income, 3 Yr. CAGR %	-4.98	4.2	10.91	16.65	-6.14
Diluted EPS Before Extra, 3 Yr. CAGR %	9.77	4.5	11.55	19.19	1.3
Dividend Per Share, 3 Yr. CAGR %	11.27	5.73	3.13	3.13	1.52
Gross Loans, 3 Yr. CAGR %	6.72	5.3	6.58	7.71	5.84
Allowance For Loan Losses, 3 Yr. CAGR %	10.55	3.62	5.93	-2.46	5.91
Net Loans, 3 Yr. CAGR %	6.69	5.31	6.58	7.79	5.83
Non Performing Loans, 3 Yr. CAGR %	8.57	13.86	19.67	0.53	37.05
Non Performing Assets, 3 Yr. CAGR %	5.42	7.14	13.91	6.33	39.92
Total Assets, 3 Yr. CAGR %	6.78	7.56	6.65	6.62	3.35
Total Deposits, 3 Yr CAGR %	8.28	9.64	7.99	6.26	2.92
Tangible Book Value, 3 Yr. CAGR %	8.6	5.9	2.99	4.91	6.03
Average Interest Earning Assets, 3 Yr. CAGR %	9.05	7.51	7.64	6.68	6.15
Average Interest Bearing Liabilities, 3 Yr. CAGR %	9.17	6.43	5.8	7.47	8.85
Common Equity, 3 Yr. CAGR %	7.01	4.86	2.55	4.21	5.17
Total Equity, 3 Yr. CAGR %	7.01	4.86	2.55	4.21	5.17
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	7.77	7.42	8.16	5.56	3.23
Non Interest Income, 5 Yr. CAGR %	5.56	10.35	13.12	16.84	4.46
Provision For Loan Losses, 5 Yr. CAGR %	38.21	0.45	42.21	42	39.89
Total Revenues, 5 Yr. CAGR %	4.86	7.44	7.97	5.43	2.01
Earnings From Cont. Operations, 5 Yr. CAGR %	7.27	11.24	15.42	5.43	0.49
Net Income, 5 Yr. CAGR %	7.27	11.24	15.42	5.43	0.49
Normalized Net Income, 5 Yr. CAGR %	2.87	9.66	9.94	3.56	-1.89
Diluted EPS Before Extra, 5 Yr. CAGR %	7.71	11.65	17.35	7.85	2.57
Dividend Per Share, 5 Yr. CAGR %	14.14	10.76	8.61	4.33	1.86
Gross Loans, 5 Yr. CAGR %	9.01	7.85	7.24	6.91	5.15
Allowance For Loan Losses, 5 Yr. CAGR %	3.69	2.74	3.51	4.78	5.59
Net Loans, 5 Yr. CAGR %	9.09	7.9	7.27	6.92	5.13
Non Performing Loans, 5 Yr. CAGR %	4.59	3.31	7.21	10.12	29.84
Non Performing Assets, 5 Yr. CAGR %	-1.29	-1.49	4.99	9.87	27.98
Total Assets, 5 Yr. CAGR %	7.52	7.54	7.01	6.58	4.96
Total Deposits, 5 Yr CAGR %	8.92	9.12	7.84	7.12	6.03
Tangible Book Value, 5 Yr. CAGR %	8.26	7.32	5.61	6.22	5.18
Average Interest Earning Assets, 5 Yr. CAGR %	9.6	8.45	8.2	7.56	6.45
Average Interest Bearing Liabilities, 5 Yr. CAGR %	9	7.46	7.42	8.09	7.1
Common Equity, 5 Yr. CAGR %	6.71	5.99	4.63	5.22	4.4
Total Equity, 5 Yr. CAGR %	6.71	5.99	4.63	5.22	4.4