Financial Ratios Southern First Bancshares, Inc.

Equities

SFST

US8428731017

Banks

Market Closed - Nasdaq Other stock markets 01:30:00 11/03/2026 am IST			5-day change	1st Jan Change
53.25 ^USD	+1.24%		-3.46%	+3.36%

22/01	Southern First Bancshares, Inc. Reports Earnings Results for the Fourth Quarter and Full Year Ended December 31, 2025	CI
22/01	Southern First Bancshares, Inc. Reports Unaudited Net Charge Offs for the Fourth Quarter Ended December 31, 2025	CI

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Published financial data: SOUTHERN FIRST BANCSHARES, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	9.16Cr	11Cr	17Cr	19Cr	20Cr
Interest Income On Investments	15.68L	34.29L	1.15Cr	1.43Cr	1.33Cr
Interest Income, Total	9.32Cr	12Cr	18Cr	20Cr	21Cr
Interest On Deposits	39.09L	1.81Cr	9.14Cr	11Cr	9.56Cr
Total Interest On Borrowings	15.26L	19.39L	85.71L	1.12Cr	1.09Cr
Interest Expense, Total	54.35L	2Cr	9.99Cr	12Cr	11Cr
Net Interest Income	8.77Cr	9.76Cr	7.77Cr	8.12Cr	10Cr
Service Charges On Deposits	8L	8L	13.82L	17.64L	23.65L
Total Mortgage Banking Activities	1.14Cr	41.98L	40.36L	55.6L	62.82L
Gain (Loss) on Sale of Assets	-	-	-	28T	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-3T	-	-	-	-5L
Total Other Non Interest Income	49.71L	46L	44.42L	47.89L	50.06L
Non Interest Income, Total	1.71Cr	95.8L	98.6L	1.21Cr	1.31Cr
Revenues Before Provison For Loan Losses	10Cr	11Cr	8.75Cr	9.34Cr	12Cr
Provision For Loan Losses	-1.24Cr	61.55L	12.6L	1L	29.5L
Total Revenues	12Cr	10Cr	8.63Cr	9.32Cr	12Cr
Salaries And Other Employee Benefits	2.72Cr	3.68Cr	3.83Cr	4.13Cr	4.25Cr
Occupancy Expense	39.5L	64.05L	1.03Cr	78.91L	74.83L
Federal Deposit Insurance	11.49L	16.86L	37.66L	40.22L	38.75L
Selling General & Admin Expenses, Total	1.24Cr	1.47Cr	1.29Cr	1.62Cr	1.73Cr
(Income) Loss on Real Estate Property	4L	-	-	-	-
Total Other Non Interest Expense	1.13Cr	33.89L	36L	39.1L	43.58L
Non Interest Expense, Total	5.64Cr	6.29Cr	6.88Cr	7.33Cr	7.55Cr
EBT, Excl. Unusual Items	6.08Cr	3.81Cr	1.74Cr	1.99Cr	3.96Cr
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	6.08Cr	3.81Cr	1.74Cr	1.99Cr	3.96Cr
Income Tax Expense	1.41Cr	89.98L	40.01L	43.82L	92.39L
Earnings From Continuing Operations	4.67Cr	2.91Cr	1.34Cr	1.55Cr	3.04Cr
Net Income to Company	4.67Cr	2.91Cr	1.34Cr	1.55Cr	3.04Cr
Net Income - (IS)	4.67Cr	2.91Cr	1.34Cr	1.55Cr	3.04Cr
Net Income to Common Incl Extra Items	4.67Cr	2.91Cr	1.34Cr	1.55Cr	3.04Cr
Net Income to Common Excl. Extra Items	4.67Cr	2.91Cr	1.34Cr	1.55Cr	3.04Cr
Per Share Items
Net EPS - Basic	5.96	3.66	1.67	1.92	3.75
Basic EPS - Continuing Operations	5.96	3.66	1.67	1.92	3.75
Basic Weighted Average Shares Outstanding	78.44L	79.58L	80.47L	80.81L	80.91L
Net EPS - Diluted	5.85	3.61	1.66	1.91	3.72
Diluted EPS - Continuing Operations	5.85	3.61	1.66	1.91	3.72
Diluted Weighted Average Shares Outstanding	79.89L	80.72L	80.78L	81.17L	81.6L
Normalized Basic EPS	4.84	2.99	1.35	1.54	3.06
Normalized Diluted EPS	4.76	2.95	1.35	1.53	3.03
Supplemental Items
Effective Tax Rate - (Ratio)	23.18	23.61	22.96	22.01	23.33
Current Domestic Taxes	1.25Cr	97.55L	42.29L	56.15L	1.05Cr
Total Current Taxes	1.25Cr	97.55L	42.29L	56.15L	1.05Cr
Deferred Domestic Taxes	-	-	-	-	-13.03L
Total Deferred Taxes	15.9L	-8L	-2L	-12.33L	-13.03L
Normalized Net Income	3.8Cr	2.38Cr	1.09Cr	1.24Cr	2.48Cr
Non-Cash Pension Expense	10L	-3L	-11L	4L	7L
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	16.47L	20.26L	19.43L	22.83L	22.72L
Total Stock-Based Compensation	16.47L	20.26L	19.43L	22.83L	22.72L

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	16Cr	17Cr	15Cr	16Cr	27Cr
Investment Securities, Total	5.59Cr	4.01Cr	8.68Cr	7.95Cr	5.37Cr
Trading Asset Securities, Total	4L	76T	2L	39.26L	3L
Mortgage Backed Securities	6.72Cr	5.48Cr	5.18Cr	5.76Cr	7.96Cr
Total investments	12Cr	9.5Cr	14Cr	14Cr	13Cr
Gross Loans	248.99Cr	327.34Cr	360.26Cr	363.18Cr	384.51Cr
Allowance For Loan Losses	-3.04Cr	-3.86Cr	-4.07Cr	-3.99Cr	-4.23Cr
Net Loans	245.95Cr	323.47Cr	356.19Cr	359.19Cr	380.28Cr
Gross Property Plant And Equipment	11Cr	12Cr	12Cr	12Cr	11Cr
Accumulated Depreciation	-1.59Cr	-1.72Cr	-2.19Cr	-2.65Cr	-3.09Cr
Net Property Plant And Equipment	9.24Cr	9.92Cr	9.43Cr	8.88Cr	8.35Cr
Investment in FHLB	12.41L	92.5L	1.61Cr	1.45Cr	1.45Cr
Loans Held For Sale	1.36Cr	39.17L	71.94L	45.65L	1.16Cr
Accrued Interest Receivable	-	-	1.16Cr	1.1Cr	1.18Cr
Restricted Cash	52L	58L	51L	54L	11L
Deferred Tax Assets Long-Term (Collected)	83.97L	1.25Cr	1.22Cr	1.35Cr	1.37Cr
Other Real Estate Owned And Foreclosed	-	-	-	-	3L
Other Long-Term Assets, Total	5.98Cr	6.65Cr	5.76Cr	5.95Cr	6.21Cr
Total Assets	292.55Cr	369.2Cr	405.58Cr	408.76Cr	440.35Cr
Liabilities
Interest Bearing Deposits	164.26Cr	195.49Cr	213.73Cr	197.87Cr	220.65Cr
Institutional Deposits	15Cr	37Cr	57Cr	77Cr	78Cr
Non-Interest Bearing Deposits	77Cr	80Cr	67Cr	68Cr	73Cr
Total Deposits	256.38Cr	313.39Cr	337.96Cr	343.58Cr	371.68Cr
Short-Term Borrowings	41T	-	6L	-	-
Current Portion of Long-Term Debt	-	-	-	-	-
Current Portion of Leases	19.74L	20.16L	20.99L	21.57L	22.1L
Long-Term Debt	-	-	-	-	-
Federal Home Loan Bank Debt - Long-Term	-	18Cr	28Cr	24Cr	24Cr
Long-Term Leases	2.6Cr	2.38Cr	2.25Cr	2.11Cr	1.95Cr
Trust Preferred Securities (BS)	3.61Cr	3.62Cr	3.63Cr	2.49Cr	2.49Cr
Other Non Current Liabilities	1.97Cr	2.66Cr	2.72Cr	3.33Cr	3.14Cr
Total Liabilities	264.76Cr	339.75Cr	374.33Cr	375.71Cr	403.48Cr
Common Stock, Total	79T	80T	81T	82T	82T
Additional Paid In Capital	11Cr	12Cr	12Cr	12Cr	13Cr
Retained Earnings	17Cr	19Cr	21Cr	22Cr	25Cr
Comprehensive Income and Other	-21.75L	-1.67Cr	-1.49Cr	-1.54Cr	-87.92L
Total Common Equity	28Cr	29Cr	31Cr	33Cr	37Cr
Total Equity	28Cr	29Cr	31Cr	33Cr	37Cr
Total Liabilities And Equity	292.55Cr	369.2Cr	405.58Cr	408.76Cr	440.35Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	79.77L	80.48L	81.56L	81.77L	82.31L
ECS Total Common Shares Outstanding	79.26L	80.11L	80.88L	81.65L	82.13L
Book Value / Share	35.06	36.76	38.63	40.47	44.89
Tangible Book Value	28Cr	29Cr	31Cr	33Cr	37Cr
Tangible Book Value Per Share	35.06	36.76	38.63	40.47	44.89
Tangible Book Value Per Share (As Reported)	35.07	36.76	38.63	40.47	44.89
Average Assets	266.84Cr	322.41Cr	392.46Cr	409.62Cr	424.24Cr
Average Loans	231.43Cr	287.07Cr	349.76Cr	362.96Cr	375.37Cr
Total Debt	6.42Cr	24Cr	34Cr	29Cr	29Cr
Deposits at Interest - Cash	5.86Cr	5.08Cr	88.01L	1.19Cr	5.83Cr
Federal Funds Sold	8.69Cr	10Cr	12Cr	13Cr	18Cr
Debt Equivalent of Unfunded Proj. Benefit Obligation	92L	84L	69L	72L	78L
Net Debt	-9.83Cr	7.19Cr	19Cr	13Cr	1.78Cr
Full Time Employees	278	293	296	297	315
Number Of Offices	12	12	12	12	12

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	4.67Cr	2.91Cr	1.34Cr	1.55Cr	3.04Cr
Depreciation, Depletion & Amortization	23.19L	36.98L	48.16L	48.1L	43.07L
Total Depreciation, Depletion & Amortization	23.19L	36.98L	48.16L	48.1L	43.07L
Gain (Loss) on Sale of Loans & Receivables - (CF)	-1.37Cr	-29.14L	-37.9L	-54.47L	-63.38L
(Gain) Loss On Sale of Asset - (CF)	4L	4L	-	-28T	-
(Gain) Loss on Sale of Investments - (CF)	9L	7L	61T	6L	9L
Total Asset Writedown	-	-	-	-	-
Provision for Credit Losses	-1.24Cr	61.55L	12.6L	1L	29.5L
Stock-Based Compensation (CF)	16.47L	20.26L	19.43L	22.83L	22.72L
Net (Increase) Decrease in Loans Originated / Sold - Operating	6.04Cr	1.26Cr	5L	80.76L	-7L
Change In Deferred Taxes	15.89L	-22T	-2L	-12.32L	-13.03L
Change in Other Net Operating Assets (Collected)	-98.02L	-13.82L	-3L	9L	-20.76L
Cash from Operations	7.81Cr	5.03Cr	1.77Cr	2.56Cr	3.05Cr
Capital Expenditure	-2.65Cr	-1.4Cr	-12.42L	-8L	-6L
Sale of Property, Plant, and Equipment	50T	95T	-	28T	-
Sale (Purchase) of Real Estate Properties (Collected)	11.59L	-	-	-	-
Investment in Marketable and Equity Securities, Total	-2.91Cr	34.02L	-4.79Cr	23.05L	79.65L
Net (Increase) Decrease in Loans Originated / Sold - Investing	-35Cr	-78Cr	-33Cr	-3.04Cr	-21Cr
Other Investing Activities, Total	-75L	-	-	-	-
Cash from Investing	-41Cr	-79Cr	-38Cr	-2.89Cr	-21Cr
Long-Term Debt Issued, Total	-	18Cr	10Cr	-	-
Total Debt Issued	-	18Cr	10Cr	-	-
Long-Term Debt Repaid, Total	-2.5Cr	-	-	-4.65Cr	-
Total Debt Repaid	-2.5Cr	-	-	-4.65Cr	-
Issuance of Common Stock	30.12L	9L	5L	3L	20.42L
Repurchase of Common Stock	-	-	-	-	-5L
Net Increase (Decrease) in Deposit Accounts - (CF)	42Cr	57Cr	25Cr	5.62Cr	28Cr
Cash from Financing	40Cr	75Cr	35Cr	99.95L	28Cr
Net Change in Cash	6.65Cr	36.65L	-1.47Cr	66.93L	11Cr
Supplemental Items
Cash Interest Paid	64.02L	1.89Cr	9.34Cr	12Cr	11Cr
Cash Income Tax Paid (Refund)	2.17Cr	1.18Cr	15.14L	37.67L	1.06Cr
Net Debt Issued / Repaid	-2.5Cr	18Cr	10Cr	-4.65Cr	-

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.73	0.88	0.35	0.38	0.72
Return On Equity %	18.46	10.17	4.42	4.83	8.69
Return on Common Equity	18.46	10.17	4.42	4.83	8.69
Shareholders Value Added	1.63Cr	-52.3L	-2.3Cr	-2.3Cr	-1.16Cr
Margin Analysis
SG&A Margin	37.19	57.26	71.26	70.14	58.45
Net Interest Income / Total Revenues %	74.84	96.61	90.03	87.11	91.15
EBT Excl. Non-Recurring Items Margin %	51.86	37.72	20.2	21.36	34.4
Income From Continuing Operations Margin %	39.84	28.81	15.57	16.66	26.37
Net Income Margin %	39.84	28.81	15.57	16.66	26.37
Net Avail. For Common Margin %	39.84	28.81	15.57	16.66	26.37
Normalized Net Income Margin	32.42	23.57	12.63	13.35	21.5
Asset quality
Nonperforming Loans / Total Loans %	0.2	0.08	0.11	0.3	0.36
Nonperforming Loans / Total Assets %	0.17	0.07	0.1	0.27	0.31
Nonperforming Assets / Total Assets %	0.17	0.07	0.1	0.27	0.32
NPAs / Loans and OREO	0.2	0.08	0.11	0.3	0.37
NPAs / Equity	1.75	0.89	1.27	3.29	3.83
Allowance for Credit Losses / Net Charge-offs %	2.27T	-2.85T	24.51T	3.15T	50.33T
Allowance for Credit Losses / Nonperforming Loans %	625.16	1.47T	1.03T	366.96	305.65
Allowance for Credit Losses / Total Loans %	1.22	1.18	1.13	1.1	1.1
Net Charge-offs / Total Average Loans %	0.06	-0.05	0	0.03	0
Provision for Loan Losses / Net Charge-offs %	-924.68	-453.91	759.04	9.86	3.51T
Earning Assets / IBL	149.82	146.21	132.14	129.5	131
Interest Income / Average Assets	3.49	3.65	4.53	4.91	4.98
Interest Expense / Average Assets	0.2	0.62	2.55	2.93	2.51
Net Interest Income / Average Assets	3.29	3.03	1.98	1.98	2.47
Non Interest Income / Average Assets	0.64	0.3	0.25	0.3	0.31
Non Interest Expense / Average Asset	2.11	1.95	1.75	1.79	1.78
Capital And Funding
Total Average Common Equity / Total Average Assets %	9.36	8.65	7.83	7.89	8.23
Total Average Equity / Total Average Assets %	9.36	8.65	7.83	7.89	8.23
Total Equity + Allowance for Loan Losses / Total Loans %	12.38	10.18	9.8	10.2	10.69
Gross Loans / Total Deposits %	97.12	104.45	106.6	105.7	103.45
Net Loans / Total Deposits %	95.93	103.22	105.4	104.54	102.31
Tier 1 Capital Ratio %	12.65	10.88	10.6	11.16	11.44
Total Capital Ratio %	14.9	12.91	12.57	12.7	12.89
Core Tier 1 Capital Ratio	12.09	10.44	10.19	10.75	11.06
Equity Tier 1 Capital Ratio	9.5	7.98	7.7	8.08	8.37
Coverage Ratio	372.51	544.21	847.54	327.16	280
Leverage Ratio %	10.18	9.17	8.14	8.55	8.93
Interbank Ratio	-	-	-	-	-
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	40.84	20.66	3.03	2.78	4.63
EBT + Interest Expense / Interest Expense	12.19	2.9	1.17	1.17	1.37
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	9.93	11.27	-20.45	4.59	29.21
Non Interest Income, 1 Yr. Growth %	-37.56	-43.98	2.92	23.13	8.21
Provision For Loan Losses, 1 Yr. Growth %	-141.89	-149.64	-79.53	-90.08	2.26T
Total Revenues, 1 Yr. Growth %	51.07	-13.81	-14.64	8.1	23.49
Earnings From Cont. Operations, 1 Yr. Growth %	154.86	-37.67	-53.89	15.67	95.53
Net Income, 1 Yr. Growth %	154.86	-37.67	-53.89	15.67	95.53
Normalized Net Income, 1 Yr. Growth %	154.88	-37.32	-54.28	14.26	98.9
Diluted EPS Before Extra, 1 Yr. Growth %	150	-38.29	-54.02	15.06	94.76
Gross Loans, 1 Yr. Growth %	16.19	31.47	10.06	0.81	5.87
Allowance For Loan Losses, 1 Yr. Growth %	-31.12	27.07	5.29	-1.89	5.93
Net Loans, 1 Yr. Growth %	17.19	31.52	10.12	0.84	5.87
Non Performing Loans, 1 Yr. Growth %	-39.72	-45.99	50.86	174.46	27.18
Non Performing Assets, 1 Yr. Growth %	-47.35	-45.99	50.86	174.46	29.7
Total Assets, 1 Yr. Growth %	17.84	26.2	9.85	0.78	7.73
Total Deposits, 1 Yr Growth %	19.65	22.23	7.84	1.66	8.18
Tangible Book Value, 1 Yr. Growth %	21.73	5.98	6.1	5.75	11.56
Average Interest Earning Assets, 1 Yr. Growth %	10.86	20.65	22.66	4.65	3.87
Average Interest Bearing Liabilities, 1 Yr. Growth %	4.28	23.63	35.72	6.78	2.69
Common Equity, 1 Yr. Growth %	21.73	5.98	6.1	5.75	11.56
Total Equity, 1 Yr. Growth %	21.73	5.98	6.1	5.75	11.56
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	14.2	10.6	-5.92	-8.79	16.25
Non Interest Income, 2 Yr. CAGR %	1.87	-40.82	-24.07	12.58	15.43
Provision For Loan Losses, 2 Yr. CAGR %	132.19	-54.4	-68.12	-85.75	53.01
Total Revenues, 2 Yr. CAGR %	19.97	14.14	-14.22	-3.94	15.54
Earnings From Cont. Operations, 2 Yr. CAGR %	29.49	26.04	-46.39	-26.97	50.39
Net Income, 2 Yr. CAGR %	29.49	26.04	-46.39	-26.97	50.39
Normalized Net Income, 2 Yr. CAGR %	28.24	26.5	-46.46	-27.72	50.75
Diluted EPS Before Extra, 2 Yr. CAGR %	27.83	24.21	-46.73	-27.26	49.7
Gross Loans, 2 Yr. CAGR %	13.19	23.59	20.29	5.33	3.31
Allowance For Loan Losses, 2 Yr. CAGR %	35.17	-6.45	15.67	1.64	1.95
Net Loans, 2 Yr. CAGR %	12.98	24.15	20.34	5.38	3.33
Non Performing Loans, 2 Yr. CAGR %	-15.39	-42.94	-9.74	103.48	86.83
Non Performing Assets, 2 Yr. CAGR %	-15.39	-46.67	-9.74	103.48	88.68
Total Assets, 2 Yr. CAGR %	13.6	21.95	17.74	5.22	4.2
Total Deposits, 2 Yr CAGR %	16.9	20.94	14.81	4.71	4.87
Tangible Book Value, 2 Yr. CAGR %	16.19	13.58	6.04	5.92	8.62
Average Interest Earning Assets, 2 Yr. CAGR %	13.75	15.66	21.65	13.3	4.26
Average Interest Bearing Liabilities, 2 Yr. CAGR %	7.26	13.55	29.54	20.39	4.72
Common Equity, 2 Yr. CAGR %	16.19	13.58	6.04	5.92	8.62
Total Equity, 2 Yr. CAGR %	16.19	13.58	6.04	5.92	8.62
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	13.41	13.22	-0.91	-2.54	2.44
Non Interest Income, 3 Yr. CAGR %	18.79	-16.54	-28.83	-10.79	11.1
Provision For Loan Losses, 3 Yr. CAGR %	86.88	38.84	-65.08	-78.4	-21.74
Total Revenues, 3 Yr. CAGR %	19.64	7.45	3.6	-7.35	4.45
Earnings From Cont. Operations, 3 Yr. CAGR %	27.97	1.48	-9.85	-30.72	1.41
Net Income, 3 Yr. CAGR %	27.97	1.48	-9.85	-30.72	1.41
Normalized Net Income, 3 Yr. CAGR %	28.45	1.02	-9.89	-31.07	1.29
Diluted EPS Before Extra, 3 Yr. CAGR %	26.64	0.28	-10.81	-31.14	1.01
Gross Loans, 3 Yr. CAGR %	14.07	18.98	18.91	13.41	5.51
Allowance For Loan Losses, 3 Yr. CAGR %	24.49	32.42	-2.69	9.49	3.05
Net Loans, 3 Yr. CAGR %	13.97	18.85	19.28	13.46	5.54
Non Performing Loans, 3 Yr. CAGR %	-5.86	-27.15	-21.1	30.77	73.97
Non Performing Assets, 3 Yr. CAGR %	-5.86	-27.15	-24.58	30.77	75.12
Total Assets, 3 Yr. CAGR %	15.46	17.65	17.78	11.79	6.05
Total Deposits, 3 Yr CAGR %	15.87	18.65	16.4	10.25	5.85
Tangible Book Value, 3 Yr. CAGR %	16.91	12.68	11.03	5.94	7.77
Average Interest Earning Assets, 3 Yr. CAGR %	14.72	16	17.95	15.7	10.07
Average Interest Bearing Liabilities, 3 Yr. CAGR %	9.72	12.46	20.5	21.46	14.17
Common Equity, 3 Yr. CAGR %	16.91	12.68	11.03	5.94	7.77
Total Equity, 3 Yr. CAGR %	16.91	12.68	11.03	5.94	7.77
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	15.33	13.92	5.24	3.84	5.63
Non Interest Income, 5 Yr. CAGR %	9.53	0.52	-0.68	-5.93	-13.64
Provision For Loan Losses, 5 Yr. CAGR %	40.07	25.21	-7.89	-44.15	-36.95
Total Revenues, 5 Yr. CAGR %	17.86	11.66	4.73	2.74	8.22
Earnings From Cont. Operations, 5 Yr. CAGR %	29.08	17.42	-9.64	-11.03	10.63
Net Income, 5 Yr. CAGR %	29.08	17.42	-9.64	-11.03	10.63
Normalized Net Income, 5 Yr. CAGR %	24.45	10	-9.49	-11.64	10.7
Diluted EPS Before Extra, 5 Yr. CAGR %	24.7	15.45	-10.43	-11.81	9.71
Gross Loans, 5 Yr. CAGR %	16.43	18.74	16.52	13.32	12.4
Allowance For Loan Losses, 5 Yr. CAGR %	15.4	20.01	20.88	19.12	-0.86
Net Loans, 5 Yr. CAGR %	16.44	18.72	16.48	13.26	12.62
Non Performing Loans, 5 Yr. CAGR %	-2.36	-18.49	-7.43	9.87	11.38
Non Performing Assets, 5 Yr. CAGR %	-4.49	-19.02	-7.43	9.87	8.84
Total Assets, 5 Yr. CAGR %	16.89	17.84	16.37	12.51	12.14
Total Deposits, 5 Yr CAGR %	18.63	17.81	15.44	12.86	11.64
Tangible Book Value, 5 Yr. CAGR %	20.39	14.49	12.43	9.93	10.06
Average Interest Earning Assets, 5 Yr. CAGR %	16.31	16.45	17.45	14.91	12.27
Average Interest Bearing Liabilities, 5 Yr. CAGR %	12.63	13.71	17.26	15.57	13.92
Common Equity, 5 Yr. CAGR %	20.39	14.49	12.43	9.93	10.06
Total Equity, 5 Yr. CAGR %	20.39	14.49	12.43	9.93	10.06