Suspension of trading

Income Statement ENTERPRISE BANCORP

Stocks

EBTC

US2936681095

Banks

Market Closed - Nasdaq 01:30:00 01/07/2025 am IST			5-day change	1st Jan Change
39.64 ^USD	-0.75%		-.--%	-

08/25/08	Enterprise Bancorp, Inc.(NasdaqGS:EBTC) dropped from S&P Global BMI Index	CI
08/25/08	Enterprise Bancorp, Inc.(NasdaqGS:EBTC) dropped from S&P TMI Index	CI

3b.4Uv0ZIY7QnATa0GzT7h5py7zxoehFgw1d0KuDwUq4Lw.thilVe94JjlQJHnDH_8J7GqmtMzRdD8FQTeaOENehtWzEZMN_HcASEZGKg

Published financial data: ENTERPRISE BANCORP

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020 (USD)	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)
Interest Income On Loans	13Cr	13Cr	14Cr	17Cr	21Cr
Interest Income On Investments	1.37Cr	1.58Cr	2.5Cr	2.85Cr	2.19Cr
Interest Income, Total	14Cr	15Cr	16Cr	20Cr	23Cr
Interest On Deposits	1.16Cr	39.22L	57.11L	4.44Cr	7.65Cr
Total Interest On Borrowings	31.07L	35.55L	34.04L	35.8L	58.93L
Interest Expense, Total	1.47Cr	74.77L	91.15L	4.8Cr	8.24Cr
Net Interest Income	13Cr	14Cr	15Cr	15Cr	15Cr
Service Charges On Deposits	64.26L	69.71L	81.96L	84.75L	88.75L
Trust Income	58.15L	67.87L	65.33L	67.3L	78.88L
Gain (Loss) on Sale of Loans	14.09L	8L	30T	34T	2L
Income (Loss) on Real Estate Property	-	11.26L	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	2L	4L	-24.87L	-17.53L	11.38L
Total Other Non Interest Income	34.19L	38.63L	61.9L	41.23L	48.22L
Non Interest Income, Total	1.72Cr	2Cr	1.85Cr	1.76Cr	2.29Cr
Revenues Before Provison For Loan Losses	15Cr	16Cr	17Cr	17Cr	17Cr
Provision For Loan Losses	1.25Cr	17.7L	58L	92.49L	19.85L
Total Revenues	13Cr	16Cr	16Cr	16Cr	17Cr
Salaries And Other Employee Benefits	6.14Cr	6.64Cr	7.19Cr	7.21Cr	7.81Cr
Stock-Based Compensation (IS)	3L	3L	3L	2L	2L
Occupancy Expense	72.46L	81.5L	76.99L	81.22L	79.67L
Federal Deposit Insurance	21.24L	19.1L	17.83L	27.12L	35.71L
Selling General & Admin Expenses, Total	1.6Cr	1.78Cr	1.92Cr	1.92Cr	1.86Cr
Total Other Non Interest Expense	61.99L	68.64L	75.04L	78.79L	75.96L
Non Interest Expense, Total	9.33Cr	10Cr	11Cr	11Cr	12Cr
EBT, Excl. Unusual Items	4.16Cr	5.83Cr	5.61Cr	5.12Cr	5.28Cr
Total Merger & Related Restructuring Charges	-	-	-	-	-11.37L
Other Unusual Items	-	-25.6L	-	-	-
EBT, Incl. Unusual Items	4.16Cr	5.58Cr	5.61Cr	5.12Cr	5.16Cr
Income Tax Expense	1.02Cr	1.36Cr	1.34Cr	1.32Cr	1.29Cr
Earnings From Continuing Operations	3.15Cr	4.22Cr	4.27Cr	3.81Cr	3.87Cr
Net Income to Company	3.15Cr	4.22Cr	4.27Cr	3.81Cr	3.87Cr
Net Income - (IS)	3.15Cr	4.22Cr	4.27Cr	3.81Cr	3.87Cr
Net Income to Common Incl Extra Items	3.15Cr	4.22Cr	4.27Cr	3.81Cr	3.87Cr
Net Income to Common Excl. Extra Items	3.15Cr	4.22Cr	4.27Cr	3.81Cr	3.87Cr
Per Share Items
Net EPS - Basic	2.64	3.51	3.53	3.11	3.13
Basic EPS - Continuing Operations	2.64	3.51	3.53	3.11	3.13
Basic Weighted Average Shares Outstanding	1.19Cr	1.2Cr	1.21Cr	1.22Cr	1.24Cr
Net EPS - Diluted	2.64	3.5	3.52	3.11	3.12
Diluted EPS - Continuing Operations	2.64	3.5	3.52	3.11	3.12
Diluted Weighted Average Shares Outstanding	1.19Cr	1.21Cr	1.21Cr	1.22Cr	1.24Cr
Normalized Basic EPS	2.19	3.04	2.9	2.62	2.66
Normalized Diluted EPS	2.18	3.02	2.89	2.62	2.66
Dividend Per Share	0.7	0.74	0.82	0.92	0.96
Payout Ratio	22.59	18.09	19.95	25.58	26.53
Supplemental Items
Effective Tax Rate - (Ratio)	24.44	24.37	23.92	25.73	24.97
Current Domestic Taxes	1.58Cr	1.46Cr	1.66Cr	1.52Cr	1.3Cr
Total Current Taxes	1.58Cr	1.46Cr	1.66Cr	1.52Cr	1.3Cr
Deferred Domestic Taxes	-56.75L	-10L	-31.72L	-20L	-1L
Total Deferred Taxes	-56.75L	-10L	-31.72L	-20L	-1L
Normalized Net Income	2.6Cr	3.64Cr	3.51Cr	3.2Cr	3.3Cr
Non-Cash Pension Expense	1L	61T	-12T	48T	54T
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	2L	2L	2L	2L	1L
Stock-Based Comp., Other (Total)	17.15L	18.73L	21.54L	20.94L	21.77L
Total Stock-Based Compensation	19.05L	20.6L	23.6L	22.69L	23.07L

Fiscal Period: December	2020 (USD)	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)
Assets
Cash And Equivalents	25Cr	44Cr	27Cr	5.66Cr	8.38Cr
Investment Securities, Total	26Cr	45Cr	39Cr	31Cr	29Cr
Trading Asset Securities, Total	22.86L	5L	8L	6L	3L
Mortgage Backed Securities	33Cr	51Cr	43Cr	35Cr	30Cr
Total investments	59Cr	96Cr	82Cr	67Cr	59Cr
Gross Loans	308.72Cr	292.82Cr	318.57Cr	357.3Cr	398.7Cr
Allowance For Loan Losses	-4.46Cr	-4.77Cr	-5.26Cr	-5.9Cr	-6.35Cr
Other Adjustments to Gross Loans	-1.34Cr	-75L	-52L	-54L	-41L
Net Loans	302.93Cr	287.3Cr	312.79Cr	350.86Cr	391.94Cr
Gross Property Plant And Equipment	12Cr	13Cr	13Cr	14Cr	14Cr
Accumulated Depreciation	-5.04Cr	-5.66Cr	-6.19Cr	-6.71Cr	-7.2Cr
Net Property Plant And Equipment	6.51Cr	6.9Cr	6.92Cr	6.98Cr	6.66Cr
Goodwill	56.56L	56.56L	56.56L	56.56L	56.56L
Investment in FHLB	19.05L	21.64L	23.43L	24.02L	70.93L
Loans Held For Sale	4L	-	-	2L	5L
Accrued Interest Receivable	1.61Cr	1.34Cr	1.71Cr	1.92Cr	2.06Cr
Restricted Cash	-	-	-	-	-
Other Current Assets, Total	1.41Cr	67.64L	1.13Cr	2.01Cr	1.37Cr
Deferred Tax Assets Long-Term (Collected)	1.13Cr	1.96Cr	5.2Cr	4.92Cr	4.91Cr
Other Long-Term Assets, Total	3.14Cr	6.3Cr	6.42Cr	6.55Cr	6.74Cr
Total Assets	401.43Cr	444.78Cr	443.83Cr	446.6Cr	482.77Cr
Liabilities
Accrued Expenses, Total	2.55Cr	3.05Cr	2.63Cr	3.65Cr	2.83Cr
Interest Bearing Deposits	231.83Cr	256.39Cr	257.48Cr	268.21Cr	280.24Cr
Institutional Deposits	6.81Cr	5.2Cr	9.94Cr	23Cr	31Cr
Non-Interest Bearing Deposits	116.49Cr	136.43Cr	136.16Cr	107.01Cr	107.8Cr
Total Deposits	355.13Cr	398.02Cr	403.58Cr	397.75Cr	418.77Cr
Short-Term Borrowings	51L	5L	9L	2.15Cr	7L
Current Portion of Long-Term Debt	43.16L	24.85L	-	-	-
Current Portion of Leases	12.42L	13.76L	14.06L	14.5L	14.57L
Long-Term Debt	7.37Cr	5.9Cr	5.95Cr	6.24Cr	6.52Cr
Federal Home Loan Bank Debt - Long-Term	5L	29.94L	29.13L	28.3L	15Cr
Long-Term Leases	1.63Cr	2.23Cr	2.3Cr	2.3Cr	2.24Cr
Accrued Interest Payable	19.4L	15.37L	20.05L	46.78L	90.55L
Other Non Current Liabilities	-	-	43L	71L	44L
Total Liabilities	367.99Cr	410.09Cr	415.61Cr	413.69Cr	446.7Cr
Common Stock, Total	1L	1L	1L	1L	1L
Additional Paid In Capital	9.71Cr	10Cr	10Cr	11Cr	11Cr
Retained Earnings	21Cr	24Cr	27Cr	30Cr	33Cr
Comprehensive Income and Other	2.22Cr	46.62L	-9.62Cr	-7.98Cr	-7.89Cr
Total Common Equity	33Cr	35Cr	28Cr	33Cr	36Cr
Total Equity	33Cr	35Cr	28Cr	33Cr	36Cr
Total Liabilities And Equity	401.43Cr	444.78Cr	443.83Cr	446.6Cr	482.77Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.18Cr	1.19Cr	1.2Cr	1.21Cr	1.23Cr
ECS Total Common Shares Outstanding	1.18Cr	1.19Cr	1.2Cr	1.21Cr	1.23Cr
Book Value / Share	28.29	29.09	23.47	27.1	29.4
Tangible Book Value	33Cr	34Cr	28Cr	32Cr	36Cr
Tangible Book Value Per Share	27.81	28.62	23	26.64	28.94
Average Assets	382.23Cr	432.06Cr	443.42Cr	447.84Cr	471.24Cr
Average Loans	298.6Cr	296.98Cr	303.46Cr	332.84Cr	376.1Cr
Total Debt	10Cr	8.86Cr	8.77Cr	11Cr	24Cr
Deposits at Interest - Cash	21Cr	40Cr	23Cr	1.91Cr	4.12Cr
Debt Equivalent of Unfunded Proj. Benefit Obligation	19.23L	17.08L	14.2L	11.92L	10L
Net Debt	-15Cr	-35Cr	-18Cr	5.39Cr	15Cr
Full Time Employees	527	536	554	570	576
Number Of Offices	26	26	27	27	27

Fiscal Period: December	2020 (USD)	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)
Net Income	3.15Cr	4.22Cr	4.27Cr	3.81Cr	3.87Cr
Depreciation, Depletion & Amortization	67.84L	78.09L	70.36L	61.88L	56.1L
Total Depreciation, Depletion & Amortization	67.84L	78.09L	70.36L	61.88L	56.1L
Gain (Loss) on Sale of Loans & Receivables - (CF)	-14.09L	-8L	-30T	-34T	-2L
(Gain) Loss On Sale of Asset - (CF)	-	-11.26L	-	-	-
(Gain) Loss on Sale of Investments - (CF)	-2L	-4L	24.87L	17.53L	-11.38L
Provision for Credit Losses	1.25Cr	17.7L	58L	92.49L	19.85L
Stock-Based Compensation (CF)	19.05L	20.6L	23.16L	22.69L	23.07L
Net (Increase) Decrease in Loans Originated / Sold - Operating	16.39L	12.04L	30T	-2L	-2L
Changes in Accrued Interest Receivable	-	-	-	-	-
Changes in Accrued Interest Payable	-	-	-	-	-
Change In Deferred Taxes	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-1.18Cr	85.26L	-1.12Cr	11.04L	13.55L
Other Operating Activities	-6L	10.26L	-12.02L	-12.64L	-20.01L
Cash from Operations	4.03Cr	6.22Cr	4.8Cr	5.72Cr	4.65Cr
Capital Expenditure	-66.79L	-41.87L	-48.38L	-60.19L	-24.67L
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-6.22Cr	-40Cr	35.88L	17Cr	7.61Cr
Net (Increase) Decrease in Loans Originated / Sold - Investing	-51Cr	15Cr	-26Cr	-39Cr	-42Cr
Other Investing Activities, Total	25.79L	-2.75Cr	-2L	-59T	-46.91L
Cash from Investing	-58Cr	-29Cr	-26Cr	-22Cr	-35Cr
Short Term Debt Issued, Total	-	-	-	-	14Cr
Long-Term Debt Issued, Total	6Cr	7L	-	2.3Cr	3.88Cr
Total Debt Issued	6Cr	7L	-	2.3Cr	18Cr
Long-Term Debt Repaid, Total	-9.14Cr	-1.56Cr	-22.63L	-4L	-5.64Cr
Total Debt Repaid	-9.14Cr	-1.56Cr	-22.63L	-4L	-5.64Cr
Issuance of Common Stock	1L	2L	2L	2L	4L
Repurchase of Common Stock	-2L	-3L	-4L	-4L	-4L
Common Dividends Paid	-71.05L	-76.27L	-85.21L	-97.34L	-1.03Cr
Common & Preferred Stock Dividends Paid	-71.05L	-76.27L	-85.21L	-97.34L	-1.03Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	76Cr	43Cr	5.56Cr	-5.83Cr	21Cr
Other Financing Activities, Total	-	7L	-	-	-
Cash from Financing	73Cr	41Cr	4.45Cr	-4.57Cr	33Cr
Net Change in Cash	19Cr	18Cr	-17Cr	-21Cr	2.72Cr
Supplemental Items
Cash Interest Paid	1.36Cr	78.8L	86.47L	4.53Cr	7.8Cr
Cash Income Tax Paid (Refund)	1.77Cr	1.23Cr	1.7Cr	1.56Cr	1.35Cr
Net Debt Issued / Repaid	-3.14Cr	-1.49Cr	-22.63L	2.26Cr	13Cr

Fiscal Period: December	2020 (USD)	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)
Profitability
Return on Assets	0.87	1	0.96	0.85	0.83
Return On Equity %	9.97	12.38	13.58	12.45	11.23
Return on Common Equity	9.97	12.38	13.58	12.45	11.23
Shareholders Value Added	-64.08L	12.92L	49.66L	13.75L	-19.48L
Margin Analysis
SG&A Margin	62.75	57.84	60.06	61.56	62
Net Interest Income / Total Revenues %	96.48	88.62	92.3	94.82	87.62
EBT Excl. Non-Recurring Items Margin %	30.86	36.51	34.14	31.74	31.27
Income From Continuing Operations Margin %	23.32	26.4	25.97	23.57	22.95
Net Income Margin %	23.32	26.4	25.97	23.57	22.95
Net Avail. For Common Margin %	23.32	26.4	25.97	23.57	22.95
Normalized Net Income Margin	19.29	22.82	21.34	19.84	19.54
Asset quality
Nonperforming Loans / Total Loans %	1.23	0.91	0.19	0.32	0.67
Nonperforming Loans / Total Assets %	0.95	0.6	0.14	0.26	0.55
Nonperforming Assets / Total Assets %	0.95	0.6	0.14	0.26	0.55
NPAs / Loans and OREO	1.23	0.91	0.19	0.32	0.67
NPAs / Equity	11.38	7.65	2.17	3.47	7.4
Allowance for Credit Losses / Net Charge-offs %	2.88T	1.2T	22.03T	56.19T	30.82T
Allowance for Credit Losses / Nonperforming Loans %	117.12	179.87	859.85	516.87	237.94
Allowance for Credit Losses / Total Loans %	1.44	1.63	1.65	1.65	1.59
Net Charge-offs / Total Average Loans %	0.05	0.13	0.01	0	0.01
Provision for Loan Losses / Net Charge-offs %	807.43	44.65	2.43T	8.81T	963.59
Earning Assets / IBL	156.43	160.31	162.24	152.32	142.57
Interest Income / Average Assets	3.79	3.45	3.63	4.49	4.89
Interest Expense / Average Assets	0.38	0.17	0.21	1.07	1.75
Net Interest Income / Average Assets	3.4	3.28	3.42	3.42	3.14
Non Interest Income / Average Assets	0.45	0.46	0.42	0.39	0.49
Non Interest Expense / Average Asset	2.44	2.35	2.44	2.46	2.46
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.71	8.05	7.08	6.87	7.42
Total Average Equity / Total Average Assets %	8.71	8.05	7.08	6.87	7.42
Total Equity + Allowance for Loan Losses / Total Loans %	12.28	13.48	10.51	10.86	10.64
Gross Loans / Total Deposits %	86.93	73.57	78.94	89.83	95.21
Net Loans / Total Deposits %	85.3	72.18	77.5	88.21	93.59
Tier 1 Capital Ratio %	10.77	10.62	10.56	10.34	10.38
Total Capital Ratio %	14.62	13.73	13.49	13.12	13.06
Core Tier 1 Capital Ratio	10.77	10.62	10.56	10.34	10.38
Coverage Ratio	92.23	137.71	208.91	431.79	235.85
Leverage Ratio %	7.52	7.56	8.1	8.74	8.94
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	14.4	16.68	17.49	15.31	9.76
EBT + Interest Expense / Interest Expense	3.83	8.46	7.16	2.07	1.63
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	12.32	8.78	7.24	0.85	-3.41
Non Interest Income, 1 Yr. Growth %	5.69	15.7	1.96	-4.62	29.93
Provision For Loan Losses, 1 Yr. Growth %	959.24	-85.84	227.68	59.47	-78.54
Total Revenues, 1 Yr. Growth %	2.97	18.43	4.16	-1.83	4.53
Earnings From Cont. Operations, 1 Yr. Growth %	-8.02	34.06	1.29	-10.9	1.77
Net Income, 1 Yr. Growth %	-8.02	34.06	1.29	-10.9	1.77
Normalized Net Income, 1 Yr. Growth %	-6.62	40.09	-0.58	-8.73	2.96
Diluted EPS Before Extra, 1 Yr. Growth %	-8.65	32.58	0.57	-11.65	0.32
Dividend Per Share, 1 Yr. Growth %	9.38	5.71	10.81	12.2	4.35
Gross Loans, 1 Yr. Growth %	20.19	-5.15	8.8	12.16	11.59
Allowance For Loan Losses, 1 Yr. Growth %	32.58	7.04	10.35	12.07	7.63
Net Loans, 1 Yr. Growth %	19.65	-5.16	8.87	12.17	11.71
Non Performing Loans, 1 Yr. Growth %	157.6	-30.3	-76.92	86.44	133.81
Non Performing Assets, 1 Yr. Growth %	157.6	-30.3	-76.92	86.44	133.81
Total Assets, 1 Yr. Growth %	24.09	10.8	-0.21	0.62	8.1
Total Deposits, 1 Yr Growth %	27.43	12.08	1.4	-1.44	5.28
Tangible Book Value, 1 Yr. Growth %	12.99	3.79	-18.94	16.94	9.78
Average Interest Earning Assets, 1 Yr. Growth %	23.14	13.32	4.16	1.61	5.02
Average Interest Bearing Liabilities, 1 Yr. Growth %	16.71	10.57	2.92	8.23	11.82
Common Equity, 1 Yr. Growth %	12.74	3.73	-18.63	16.6	9.61
Total Equity, 1 Yr. Growth %	12.74	3.73	-18.63	16.6	9.61
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	9.35	10.54	8	3.99	-1.3
Non Interest Income, 2 Yr. CAGR %	19.94	10.58	3.46	-1.38	11.32
Provision For Loan Losses, 2 Yr. CAGR %	135.69	22.47	-31.88	128.59	-41.5
Total Revenues, 2 Yr. CAGR %	6.65	10.43	10.42	1.12	1.3
Earnings From Cont. Operations, 2 Yr. CAGR %	4.36	11.04	16.53	-5	-4.78
Net Income, 2 Yr. CAGR %	4.36	11.04	16.53	-5	-4.78
Normalized Net Income, 2 Yr. CAGR %	5.08	14.37	16.14	-4.74	-3.06
Diluted EPS Before Extra, 2 Yr. CAGR %	3.59	10.05	15.47	-5.74	-5.85
Dividend Per Share, 2 Yr. CAGR %	9.86	7.53	8.23	11.5	8.2
Gross Loans, 2 Yr. CAGR %	13.64	6.77	1.58	10.46	11.87
Allowance For Loan Losses, 2 Yr. CAGR %	14.74	19.13	8.68	11.21	9.83
Net Loans, 2 Yr. CAGR %	13.45	6.52	1.61	10.51	11.94
Non Performing Loans, 2 Yr. CAGR %	79.69	34	-59.89	-34.4	108.79
Non Performing Assets, 2 Yr. CAGR %	79.69	34	-59.89	-34.4	108.79
Total Assets, 2 Yr. CAGR %	16.37	17.26	5.15	0.2	4.29
Total Deposits, 2 Yr CAGR %	17.67	19.51	6.6	-0.03	1.86
Tangible Book Value, 2 Yr. CAGR %	14.76	8.29	-8.27	-2.64	13.3
Average Interest Earning Assets, 2 Yr. CAGR %	14.68	18.13	8.64	2.88	3.3
Average Interest Bearing Liabilities, 2 Yr. CAGR %	11.59	13.6	6.68	5.54	9.99
Common Equity, 2 Yr. CAGR %	14.45	8.14	-8.13	-2.6	13.05
Total Equity, 2 Yr. CAGR %	14.45	8.14	-8.13	-2.6	13.05
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	10.09	9.16	9.42	5.56	1.46
Non Interest Income, 3 Yr. CAGR %	3.24	18.51	4.2	0.69	8.11
Provision For Loan Losses, 3 Yr. CAGR %	105.99	-7.69	70.03	-9.55	3.9
Total Revenues, 3 Yr. CAGR %	6.47	10.44	7.88	6.18	2.24
Earnings From Cont. Operations, 3 Yr. CAGR %	17.5	13.45	7.69	6.56	-2.79
Net Income, 3 Yr. CAGR %	17.5	13.45	7.69	6.56	-2.79
Normalized Net Income, 3 Yr. CAGR %	5.33	15.66	7.99	7.17	-2.24
Diluted EPS Before Extra, 3 Yr. CAGR %	16.73	12.47	6.79	5.61	-3.76
Dividend Per Share, 3 Yr. CAGR %	9.04	8.46	8.61	9.54	9.06
Gross Loans, 3 Yr. CAGR %	10.75	7	7.44	4.99	10.84
Allowance For Loan Losses, 3 Yr. CAGR %	10.63	12.12	16.13	9.8	10
Net Loans, 3 Yr. CAGR %	10.64	6.87	7.3	5.02	10.91
Non Performing Loans, 3 Yr. CAGR %	61.51	31.05	-25.44	-33.06	0.21
Non Performing Assets, 3 Yr. CAGR %	61.51	31.05	-25.44	-33.06	0.21
Total Assets, 3 Yr. CAGR %	12.52	14.48	11.12	3.62	2.77
Total Deposits, 3 Yr CAGR %	13.31	15.78	13.14	3.85	1.71
Tangible Book Value, 3 Yr. CAGR %	13.28	10.98	-1.67	-0.54	1.34
Average Interest Earning Assets, 3 Yr. CAGR %	12.98	14.22	13.28	6.25	3.58
Average Interest Bearing Liabilities, 3 Yr. CAGR %	11.12	11.25	9.92	7.19	7.72
Common Equity, 3 Yr. CAGR %	12.99	10.76	-1.64	-0.53	1.31
Total Equity, 3 Yr. CAGR %	12.99	10.76	-1.64	-0.53	1.31
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	10.7	10.28	9.25	7.06	5
Non Interest Income, 5 Yr. CAGR %	2.88	6.68	3.33	7.99	6.99
Provision For Loan Losses, 5 Yr. CAGR %	30.78	-9.97	32.32	32.67	10.96
Total Revenues, 5 Yr. CAGR %	8.43	10.21	8.03	6.37	5.2
Earnings From Cont. Operations, 5 Yr. CAGR %	14.27	17.6	17.11	5.67	2.52
Net Income, 5 Yr. CAGR %	14.27	17.6	17.11	5.67	2.52
Normalized Net Income, 5 Yr. CAGR %	11.4	15.88	9.53	6.33	3.43
Diluted EPS Before Extra, 5 Yr. CAGR %	11.24	15.54	16.22	4.8	1.54
Dividend Per Share, 5 Yr. CAGR %	6.96	7.31	8.71	9.67	8.45
Gross Loans, 5 Yr. CAGR %	10.64	7.66	6.99	8.37	9.19
Allowance For Loan Losses, 5 Yr. CAGR %	8.97	8.76	9.85	11.75	13.57
Net Loans, 5 Yr. CAGR %	10.59	7.61	6.93	8.31	9.13
Non Performing Loans, 5 Yr. CAGR %	22.41	22.83	-7.48	-0.64	12.56
Non Performing Assets, 5 Yr. CAGR %	22.41	22.83	-7.48	-0.64	12.56
Total Assets, 5 Yr. CAGR %	11.92	11.98	9.51	8.54	8.34
Total Deposits, 5 Yr CAGR %	11.97	11.9	10.58	9.17	8.49
Tangible Book Value, 5 Yr. CAGR %	13.48	10.29	4.11	5.32	4.06
Average Interest Earning Assets, 5 Yr. CAGR %	12.52	12.69	11.22	9.54	9.17
Average Interest Bearing Liabilities, 5 Yr. CAGR %	10.83	10.96	9.32	8.93	10.03
Common Equity, 5 Yr. CAGR %	13.15	10.06	4.02	5.21	3.99
Total Equity, 5 Yr. CAGR %	13.15	10.06	4.02	5.21	3.99