Cash flow Middlefield Banc Corp.

Equities

MBCN

US5963042040

Banks

Market Closed - Nasdaq Other stock markets 04:00:00 2025-06-13 pm EDT			5-day change	1st Jan Change
28.24 ^USD	-4.14%		-3.42%	+0.68%

Apr. 24	Tranche Update on Middlefield Banc Corp.'s Equity Buyback Plan announced on April 16, 2019.	CI
Apr. 24	Middlefield Banc Corp. Reports Earnings Results for the First Quarter Ended March 31, 2025	CI

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Published financial data: MIDDLEFIELD BANC CORP.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	49M	47.9M	48.51M	81.96M	92.57M
Interest Income On Investments	3.64M	4.44M	6.39M	8.34M	8.7M
Interest Income, Total	52.64M	52.34M	54.91M	90.3M	101M
Interest On Deposits	8.96M	3.91M	4.02M	19M	33.26M
Total Interest On Borrowings	288K	152K	711K	6.1M	7.32M
Interest Expense, Total	9.25M	4.06M	4.73M	25.1M	40.58M
Net Interest Income	43.39M	48.27M	50.18M	65.2M	60.68M
Service Charges On Deposits	2.54M	3.42M	3.85M	3.88M	3.91M
Gain (Loss) on Sale of Loans	1.49M	1.24M	24K	97K	199K
Income (Loss) on Real Estate Property	-	-	-	-170K	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-101K	209K	-173K	-161K	-9K
Income (Loss) on Equity Invest. (Income Block)	-	-	-	-	-
Total Other Non Interest Income	2.06M	2.33M	3.04M	3.05M	3.12M
Non Interest Income, Total	5.99M	7.21M	6.75M	6.69M	7.21M
Revenues Before Provison For Loan Losses	49.38M	55.48M	56.92M	71.89M	67.89M
Provision For Loan Losses	9.84M	700K	-	3M	2.01M
Total Revenues	39.54M	54.78M	56.92M	68.89M	65.88M
Salaries And Other Employee Benefits	15.69M	16.67M	17.24M	24.14M	24.27M
Amort. of Goodwill & Intang. Assets	683K	682K	515K	1.15M	1.23M
Federal Deposit Insurance	423K	494K	329K	861K	1.06M
Selling General & Admin Expenses, Total	8.32M	9.1M	9.65M	12.72M	12.26M
(Income) Loss on Real Estate Property	-172K	11K	1.91M	510K	99K
Total Other Non Interest Expense	4.85M	5.12M	6.01M	8.29M	8.63M
Non Interest Expense, Total	29.79M	32.08M	35.65M	47.66M	47.54M
EBT, Excl. Unusual Items	9.75M	22.7M	21.28M	21.23M	18.34M
Total Merger & Related Restructuring Charges	-	-	-2.38M	-473K	-
EBT, Incl. Unusual Items	9.75M	22.7M	18.89M	20.76M	18.34M
Income Tax Expense	1.4M	4.06M	3.22M	3.39M	2.82M
Earnings From Continuing Operations	8.35M	18.63M	15.67M	17.37M	15.52M
Net Income to Company	8.35M	18.63M	15.67M	17.37M	15.52M
Net Income - (IS)	8.35M	18.63M	15.67M	17.37M	15.52M
Net Income to Common Incl Extra Items	8.35M	18.63M	15.67M	17.37M	15.52M
Net Income to Common Excl. Extra Items	8.35M	18.63M	15.67M	17.37M	15.52M
Per Share Items
Net EPS - Basic	1.31	3.01	2.6	2.14	1.92
Basic EPS - Continuing Operations	1.31	3.01	2.6	2.14	1.92
Basic Weighted Average Shares Outstanding	6.39M	6.19M	6.03M	8.1M	8.08M
Net EPS - Diluted	1.3	3	2.59	2.14	1.92
Diluted EPS - Continuing Operations	1.3	3	2.59	2.14	1.92
Diluted Weighted Average Shares Outstanding	6.4M	6.21M	6.04M	8.13M	8.09M
Normalized Basic EPS	0.95	2.29	2.21	1.64	1.42
Normalized Diluted EPS	0.95	2.28	2.2	1.63	1.42
Dividend Per Share	0.6	0.65	0.71	0.8	0.8
Payout Ratio	45.92	22.76	35.03	39.52	41.61
Supplemental Items
Effective Tax Rate - (Ratio)	14.37	17.91	17.04	16.32	15.4
Current Domestic Taxes	2.75M	4.47M	3.54M	4.09M	2.63M
Total Current Taxes	2.75M	4.47M	3.54M	4.09M	2.63M
Deferred Domestic Taxes	-1.35M	-401K	-324K	-705K	198K
Total Deferred Taxes	-1.35M	-401K	-324K	-705K	198K
Normalized Net Income	6.09M	14.19M	13.3M	13.27M	11.46M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	144K	478K	307K	374K	374K
Total Stock-Based Compensation	144K	478K	307K	374K	374K

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	112M	119M	53.81M	60.84M	55.79M
Investment Securities, Total	100M	161M	158M	165M	160M
Mortgage Backed Securities	14.76M	10.32M	7.47M	6.32M	8.37M
Total investments	115M	171M	166M	172M	168M
Gross Loans	1.11B	985M	1.35B	1.48B	1.52B
Allowance For Loan Losses	-13.46M	-14.34M	-14.44M	-21.69M	-22.45M
Other Adjustments to Gross Loans	-4.4M	-3.6M	-2M	-	-
Net Loans	1.09B	967M	1.34B	1.46B	1.5B
Gross Property Plant And Equipment	34.08M	34.45M	39.34M	40.03M	42.18M
Accumulated Depreciation	-15M	-16.31M	-16.66M	-18.13M	-21.21M
Net Property Plant And Equipment	19.08M	18.14M	22.68M	21.9M	20.96M
Goodwill	15.07M	15.07M	31.74M	36.36M	36.36M
Other Intangibles, Total	1.72M	1.4M	7.7M	6.64M	5.61M
Investment in FHLB	5.06M	4.4M	5.78M	9M	9.5M
Loans Held For Sale	878K	1.05M	-	-	-
Accrued Interest Receivable	5.21M	4.13M	5.9M	7.09M	7M
Restricted Cash	-	-	-	-	-
Deferred Tax Assets Long-Term (Collected)	1.07M	1.69M	9.45M	9.24M	10.1M
Other Real Estate Owned And Foreclosed	7.39M	6.99M	5.82M	-	352K
Other Long-Term Assets, Total	18.49M	20.26M	40.49M	43.65M	42.06M
Total Assets	1.39B	1.33B	1.69B	1.82B	1.85B
Liabilities
Accrued Expenses, Total	1.41M	1.63M	1.94M	2.77M	-
Interest Bearing Deposits	747M	799M	847M	908M	1.01B
Institutional Deposits	186M	33.42M	50.92M	118M	56.6M
Non-Interest Bearing Deposits	291M	334M	504M	401M	378M
Total Deposits	1.23B	1.17B	1.4B	1.43B	1.45B
Short-Term Borrowings	-	-	65M	163M	172M
Current Portion of Long-Term Debt	-	-	-	-	-
Current Portion of Leases	552K	554K	477K	478K	483K
Long-Term Debt	3.95M	-	-	-	-
Federal Home Loan Bank Debt - Long-Term	-	-	-	-	-
Long-Term Leases	5.03M	4.98M	4.06M	3.7M	3.34M
Trust Preferred Securities (BS)	8.25M	8.25M	8.25M	8.25M	8.25M
Accrued Interest Payable	580K	237K	878K	3.23M	9.54M
Pension & Other Post Retirement Benefits	1.59M	2.25M	4.44M	4.57M	-
Other Non Current Liabilities	1.61M	1.17M	2.93M	4.61M	3.1M
Total Liabilities	1.25B	1.19B	1.49B	1.62B	1.64B
Common Stock, Total	86.89M	87.13M	161M	161M	162M
Additional Paid In Capital	-	-	-	-	246K
Retained Earnings	69.58M	83.97M	94.15M	100M	109M
Treasury Stock	-16.94M	-29.23M	-35.35M	-39.85M	-40.91M
Comprehensive Income and Other	4.28M	3.46M	-22.14M	-16.09M	-20.07M
Total Common Equity	144M	145M	198M	206M	211M
Total Equity	144M	145M	198M	206M	211M
Total Liabilities And Equity	1.39B	1.33B	1.69B	1.82B	1.85B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	6.43M	5.88M	8.09M	8.07M	8.08M
ECS Total Common Shares Outstanding	6.38M	5.89M	8.25M	8.1M	8.07M
Book Value / Share	22.54	24.68	23.98	25.41	26.08
Tangible Book Value	127M	129M	158M	163M	169M
Tangible Book Value Per Share	19.91	21.88	19.19	20.1	20.88
Tangible Book Value Per Share (As Reported)	19.91	21.88	19.19	20.1	20.88
Average Assets	1.31B	1.37B	1.34B	1.76B	1.84B
Average Loans	1.08B	1.05B	1.01B	1.41B	1.5B
Total Debt	17.78M	13.78M	77.78M	175M	184M
Federal Funds Sold	19.54M	22.32M	2.4M	4.44M	9.76M
Net Debt	-94.63M	-106M	23.97M	115M	129M
Full Time Employees	184	185	238	256	246
Number Of Offices	16	16	22	21	21

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	8.35M	18.63M	15.67M	17.37M	15.52M
Depreciation, Depletion & Amortization	1.34M	1.42M	1.33M	-108K	1.6M
Amortization of Goodwill and Intangible Assets - (CF)	332K	321K	372K	1.06M	1.23M
Total Depreciation, Depletion & Amortization	1.67M	1.74M	1.7M	951K	2.83M
Amortization of Deferred Charges, Total	351K	361K	143K	95K	200K
Gain (Loss) on Sale of Loans & Receivables - (CF)	-1.2M	-927K	152K	-97K	-199K
(Gain) Loss On Sale of Asset - (CF)	-280K	-43K	-	170K	-
(Gain) Loss on Sale of Investments - (CF)	466K	297K	797K	754K	755K
Total Asset Writedown	-	-	1.2M	-	-
Provision for Credit Losses	9.84M	700K	-	3M	2.01M
Stock-Based Compensation (CF)	144K	478K	307K	374K	374K
Net (Increase) Decrease in Loans Originated / Sold - Operating	1.83M	1.07M	291K	97K	199K
Changes in Accrued Interest Receivable	-1.74M	1.08M	-209K	-1.18M	75K
Changes in Accrued Interest Payable	-337K	-343K	395K	2.35M	-1.06M
Other Operating Activities	-4.01M	-7.62M	-2.09M	-1.52M	-3.23M
Cash from Operations	15.08M	15.42M	18.36M	22.36M	17.47M
Capital Expenditure	-1.08M	-605K	-884K	-1.1M	-776K
Sale of Property, Plant, and Equipment	27K	-	165K	-	-
Cash Acquisitions	-	-	18.41M	-	-
Sale (Purchase) of Real Estate Properties (Collected)	709K	-	-	-	-
Investment in Marketable and Equity Securities, Total	-5.9M	-57.39M	29.83M	1.06M	-720K
Net (Increase) Decrease in Loans Originated / Sold - Investing	-128M	127M	-55.91M	-129M	-41.29M
Other Investing Activities, Total	-1.21M	1.58M	-265K	2.72M	-501K
Cash from Investing	-135M	70.89M	-8.65M	-127M	-43.29M
Short Term Debt Issued, Total	-	-	65M	98M	9.4M
Long-Term Debt Issued, Total	3.95M	-	-	-	-
Total Debt Issued	3.95M	-	65M	98M	9.4M
Short Term Debt Repaid, Total	-5.08M	-	-	-	-
Long-Term Debt Repaid, Total	-674K	-4.2M	-231K	-197K	-202K
Total Debt Repaid	-5.75M	-4.2M	-231K	-197K	-202K
Issuance of Common Stock	12K	94K	-	-	-
Repurchase of Common Stock	-1.19M	-12.29M	-6.12M	-4.51M	-1.06M
Common Dividends Paid	-3.83M	-4.24M	-5.49M	-6.86M	-6.46M
Common & Preferred Stock Dividends Paid	-3.83M	-4.24M	-5.49M	-6.86M	-6.46M
Net Increase (Decrease) in Deposit Accounts - (CF)	204M	-58.59M	-129M	24.78M	19.09M
Special Dividend Paid	-	-	-	-	-
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	198M	-79.23M	-75.39M	111M	20.78M
Net Change in Cash	77.3M	7.08M	-65.68M	7.03M	-5.04M
Supplemental Items
Cash Interest Paid	9.59M	4.41M	4.33M	22.75M	41.64M
Cash Income Tax Paid (Refund)	2.18M	5.53M	3.58M	1.56M	1.98M
Net Debt Issued / Repaid	-1.8M	-4.2M	64.77M	97.8M	9.2M

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.65	1.37	1.04	0.99	0.84
Return On Equity %	5.93	12.89	9.14	8.61	7.46
Return on Common Equity	5.93	12.89	9.14	8.61	7.46
Shareholders Value Added	-8.21M	1.61M	-3.05M	-5.48M	-8.23M
Margin Analysis
SG&A Margin	60.72	47.04	47.24	53.49	55.44
Net Interest Income / Total Revenues %	109.74	88.12	88.15	94.65	92.1
EBT Excl. Non-Recurring Items Margin %	24.66	41.44	37.38	30.81	27.84
Income From Continuing Operations Margin %	21.12	34.02	27.53	25.21	23.55
Net Income Margin %	21.12	34.02	27.53	25.21	23.55
Net Avail. For Common Margin %	21.12	34.02	27.53	25.21	23.55
Normalized Net Income Margin	15.41	25.9	23.36	19.26	17.4
Asset quality
Nonperforming Loans / Total Loans %	0.71	0.5	0.15	0.74	1.97
Nonperforming Loans / Total Assets %	0.57	0.37	0.12	0.6	1.62
Nonperforming Assets / Total Assets %	1.1	0.89	0.47	0.6	1.62
NPAs / Loans and OREO	1.37	1.2	0.58	0.74	1.97
NPAs / Equity	10.63	8.18	4.01	5.29	14.24
Allowance for Credit Losses / Net Charge-offs %	427.41	-7.84K	-15.04K	-69.98K	1.56K
Allowance for Credit Losses / Nonperforming Loans %	170.37	292.69	687.52	199.44	74.86
Allowance for Credit Losses / Total Loans %	1.21	1.46	1.07	1.47	1.48
Net Charge-offs / Total Average Loans %	0.29	-0.02	-0.01	-0	0.1
Provision for Loan Losses / Net Charge-offs %	312.48	-382.51	-	-9.68K	139.83
Earning Assets / IBL	136.23	143.86	155.5	149.06	143.88
Interest Income / Average Assets	4.01	3.82	4.09	5.13	5.49
Interest Expense / Average Assets	0.7	0.3	0.35	1.43	2.2
Net Interest Income / Average Assets	3.3	3.52	3.74	3.71	3.29
Non Interest Income / Average Assets	0.46	0.53	0.5	0.38	0.39
Non Interest Expense / Average Asset	2.27	2.34	2.66	2.71	2.58
Capital And Funding
Total Average Common Equity / Total Average Assets %	10.94	10.62	11.36	11.49	11.32
Total Average Equity / Total Average Assets %	10.94	10.62	11.36	11.49	11.32
Total Equity + Allowance for Loan Losses / Total Loans %	14.19	16.21	15.66	15.38	15.33
Gross Loans / Total Deposits %	90.47	84.46	96.64	103.61	105.11
Net Loans / Total Deposits %	89.02	82.92	95.46	102.09	103.56
Tier 1 Capital Ratio %	11.68	12.96	12.8	12.18	12.28
Total Capital Ratio %	12.88	14.21	13.78	13.43	13.54
Core Tier 1 Capital Ratio	10.96	12.18	12.25	11.66	11.78
Coverage Ratio	166.43	179.97	64.7	-	-
Leverage Ratio %	10.22	10.02	11.3	10.68	10.86
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	34.85	150.33	27.57	4.4	3.51
EBT + Interest Expense / Interest Expense	2.05	6.58	5	1.83	1.45
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	4.84	11.25	4.23	29.95	-6.94
Non Interest Income, 1 Yr. Growth %	23.73	20.3	-6.38	-0.82	7.8
Provision For Loan Losses, 1 Yr. Growth %	1.01K	-92.89	-	-	-33.11
Total Revenues, 1 Yr. Growth %	-12.79	38.54	4.17	21.03	-4.36
Earnings From Cont. Operations, 1 Yr. Growth %	-34.32	123.18	-15.89	10.81	-10.65
Net Income, 1 Yr. Growth %	-34.32	123.18	-15.89	10.81	-10.65
Normalized Net Income, 1 Yr. Growth %	-36.29	132.8	-6.27	-0.22	-13.59
Diluted EPS Before Extra, 1 Yr. Growth %	-33.33	130.77	-13.67	-17.37	-10.28
Dividend Per Share, 1 Yr. Growth %	5.26	8.33	9.23	12.68	0
Gross Loans, 1 Yr. Growth %	12.47	-11.11	37.51	9.26	2.81
Allowance For Loan Losses, 1 Yr. Growth %	98.86	6.56	0.67	50.25	3.48
Net Loans, 1 Yr. Growth %	11.57	-11.3	38.36	8.82	2.8
Non Performing Loans, 1 Yr. Growth %	-11.24	-37.97	-57.14	415.25	175.66
Non Performing Assets, 1 Yr. Growth %	68.82	-22.21	-33.39	37.13	175.66
Total Assets, 1 Yr. Growth %	17.72	-4.38	26.8	8.01	1.67
Total Deposits, 1 Yr Growth %	20.02	-4.78	20.18	1.75	1.34
Tangible Book Value, 1 Yr. Growth %	5.28	1.45	22.81	2.8	3.63
Average Interest Earning Assets, 1 Yr. Growth %	8.9	3.74	-2.79	30.72	5.08
Average Interest Bearing Liabilities, 1 Yr. Growth %	5.6	-1.76	-10.06	36.37	10.72
Common Equity, 1 Yr. Growth %	4.38	1.06	36.02	4.04	2.37
Total Equity, 1 Yr. Growth %	4.38	1.06	36.02	4.04	2.37
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	3.57	8	7.54	16.38	9.97
Non Interest Income, 2 Yr. CAGR %	26.76	22.01	6.12	-3.64	3.4
Provision For Loan Losses, 2 Yr. CAGR %	242.26	-11.31	-	107.09	-
Total Revenues, 2 Yr. CAGR %	-4.48	9.92	19.99	12.28	7.58
Earnings From Cont. Operations, 2 Yr. CAGR %	-18.05	21.07	37.01	-3.45	-0.49
Net Income, 2 Yr. CAGR %	-18.05	21.07	37.01	-3.45	-0.49
Normalized Net Income, 2 Yr. CAGR %	-18.26	21.79	47.72	-3.29	-7.14
Diluted EPS Before Extra, 2 Yr. CAGR %	-17.5	24.03	41.15	-15.54	-13.9
Dividend Per Share, 2 Yr. CAGR %	3.51	6.79	8.78	10.94	6.15
Gross Loans, 2 Yr. CAGR %	5.7	-0.01	10.56	22.48	5.98
Allowance For Loan Losses, 2 Yr. CAGR %	34.61	45.57	3.57	22.99	24.69
Net Loans, 2 Yr. CAGR %	5.24	-0.52	10.78	22.7	5.76
Non Performing Loans, 2 Yr. CAGR %	2.63	-25.8	-48.44	48.99	276.88
Non Performing Assets, 2 Yr. CAGR %	40.27	14.6	-28.02	-4.36	94.43
Total Assets, 2 Yr. CAGR %	5.59	6.09	10.11	17.03	4.79
Total Deposits, 2 Yr CAGR %	9.81	6.9	6.97	10.58	1.55
Tangible Book Value, 2 Yr. CAGR %	7.06	3.35	11.62	12.36	3.22
Average Interest Earning Assets, 2 Yr. CAGR %	6.86	6.29	0.42	12.73	18.2
Average Interest Bearing Liabilities, 2 Yr. CAGR %	4.55	1.85	-6	10.75	22.88
Common Equity, 2 Yr. CAGR %	5.88	2.71	17.25	18.96	3.2
Total Equity, 2 Yr. CAGR %	5.88	2.71	17.25	18.96	3.2
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	5.12	6.07	6.63	14.54	8.02
Non Interest Income, 3 Yr. CAGR %	7.22	24.57	11.7	3.76	0.03
Provision For Loan Losses, 3 Yr. CAGR %	111.17	-5.9	-	-32.68	42.09
Total Revenues, 3 Yr. CAGR %	-1.33	8.12	7.88	20.33	6.43
Earnings From Cont. Operations, 3 Yr. CAGR %	-4.06	14.44	7.23	27.66	-5.91
Net Income, 3 Yr. CAGR %	-4.06	14.44	7.23	27.66	-5.91
Normalized Net Income, 3 Yr. CAGR %	-12.86	15.86	11.61	29.61	-6.85
Diluted EPS Before Extra, 3 Yr. CAGR %	-5.69	16.24	9.92	18.07	-13.82
Dividend Per Share, 3 Yr. CAGR %	3.57	5.09	7.6	10.06	7.17
Gross Loans, 3 Yr. CAGR %	6.29	-0.23	11.19	10.07	15.54
Allowance For Loan Losses, 3 Yr. CAGR %	23.24	24.52	28.73	17.25	16.1
Net Loans, 3 Yr. CAGR %	5.99	-0.59	11.04	10.12	15.67
Non Performing Loans, 3 Yr. CAGR %	-17.03	-13.23	-38.21	11.25	82.91
Non Performing Assets, 3 Yr. CAGR %	2.86	15.24	-4.36	-10.73	36.11
Total Assets, 3 Yr. CAGR %	7.96	2.16	12.59	9.41	11.67
Total Deposits, 3 Yr CAGR %	11.74	4.71	11.16	5.2	7.41
Tangible Book Value, 3 Yr. CAGR %	7.57	5.16	9.47	8.6	9.37
Average Interest Earning Assets, 3 Yr. CAGR %	7.28	5.81	3.17	9.65	10.74
Average Interest Bearing Liabilities, 3 Yr. CAGR %	4.49	2.41	-2.29	6.41	10.74
Common Equity, 3 Yr. CAGR %	6.26	4.25	12.79	12.67	13.15
Total Equity, 3 Yr. CAGR %	6.26	4.25	12.79	12.67	13.15
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	11.86	13.34	6.08	10.02	7.95
Non Interest Income, 5 Yr. CAGR %	8.17	12.73	6.78	12.41	8.3
Provision For Loan Losses, 5 Yr. CAGR %	99.04	4.19	-	29.01	17.67
Total Revenues, 5 Yr. CAGR %	6.76	13.41	6.7	9.71	7.76
Earnings From Cont. Operations, 5 Yr. CAGR %	3.99	23.77	10.64	6.92	4.07
Net Income, 5 Yr. CAGR %	3.99	23.77	10.64	6.92	4.07
Normalized Net Income, 5 Yr. CAGR %	2.96	22.23	7.62	7.78	3.69
Diluted EPS Before Extra, 5 Yr. CAGR %	-5.17	14.64	10.81	2.3	-0.31
Dividend Per Share, 5 Yr. CAGR %	2.32	3.78	5.63	7.39	7.01
Gross Loans, 5 Yr. CAGR %	15.74	10.1	7.97	8.3	9.05
Allowance For Loan Losses, 5 Yr. CAGR %	16.08	16.8	14.96	23.91	27.1
Net Loans, 5 Yr. CAGR %	15.64	9.93	7.88	8.14	8.9
Non Performing Loans, 5 Yr. CAGR %	-5.1	-16.46	-31.41	7.72	27.5
Non Performing Assets, 5 Yr. CAGR %	5.54	-1.73	-10.82	6.96	27.06
Total Assets, 5 Yr. CAGR %	13.62	11.06	8.81	7.87	9.4
Total Deposits, 5 Yr CAGR %	14.43	13.12	9.81	7.02	7.21
Tangible Book Value, 5 Yr. CAGR %	17.11	12.23	9.17	7.98	6.92
Average Interest Earning Assets, 5 Yr. CAGR %	13.18	12.43	4.48	8.53	8.94
Average Interest Bearing Liabilities, 5 Yr. CAGR %	11.55	10.14	0.16	5.66	7.09
Common Equity, 5 Yr. CAGR %	18.21	13.56	10.52	9.9	8.85
Total Equity, 5 Yr. CAGR %	18.21	13.56	10.52	9.9	8.85