Suspension of trading

Income Statement CAMB BANCORP

Stocks

CATC

US1321521098

Market Closed - Nasdaq 21:00:00 12/07/2024 BST			5-day change	1st Jan Change
73.59 ^USD	-0.42%		-.--%	-

15/07/24	Eastern Bankshares Closes Cambridge Bancorp Merger; Names David Rosato as CFO	MT
14/07/24	Cambridge Bancorp(NasdaqGM:CATC) dropped from NASDAQ Composite Index	CI

f6b4fd7f05fa901c0b63.U3Ha1ihvQnNsNa3pcOgMc3zGxShOJAFUS0Zw5jVYNyA.FhW-vFtdLwomWd7YOJxUGkT2iVghVntmEXVIogA9RU08K5CPWDkOCVUY4A

Published financial data: CAMB BANCORP

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2019 (USD)	2020 (USD)	2021 (USD)	2022 (USD)	2023 (USD)
Interest Income On Loans	84.97M	120M	121M	137M	195M
Interest Income On Investments	11.37M	9.05M	12.29M	22.58M	23.5M
Interest Income, Total	96.34M	129M	134M	160M	219M
Interest On Deposits	15.64M	7.3M	4.97M	14.6M	84.96M
Total Interest On Borrowings	2M	1.85M	559K	2.18M	12.76M
Interest Expense, Total	17.64M	9.14M	5.53M	16.78M	97.73M
Net Interest Income	78.7M	120M	128M	143M	121M
Service Charges On Deposits	3.18M	2.6M	1.94M	2.91M	3.34M
Trust Income	26.5M	29.75M	35.04M	33.03M	33M
Gain (Loss) on Sale of Loans	1.17M	1.85M	832K	98K	56K
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-79K	69K	-	-	-
Total Other Non Interest Income	5.63M	5.26M	6.52M	6.96M	5.32M
Non Interest Income, Total	36.4M	39.52M	44.32M	43.01M	41.73M
Revenues Before Provison For Loan Losses	115M	160M	172M	186M	163M
Provision For Loan Losses	3M	18.31M	-1.29M	3.88M	904K
Total Revenues	112M	141M	174M	182M	162M
Salaries And Other Employee Benefits	44.86M	54.05M	61.65M	67.23M	68.22M
Occupancy Expense	5.16M	6M	6.6M	6.76M	6.95M
Federal Deposit Insurance	291K	992K	1.32M	1.84M	2.84M
Selling General & Admin Expenses, Total	19.95M	25.59M	27.53M	28.21M	24.85M
Total Other Non Interest Expense	3.2M	3.83M	2.27M	3.27M	5.19M
Non Operating (Income) Expenses	4.72M	6.41M	331K	-	-
Non Interest Expense, Total	78.18M	96.88M	99.7M	107M	108M
EBT, Excl. Unusual Items	33.92M	44.56M	73.9M	75.02M	53.59M
Restructuring Charges	-	-	-787K	-	-
Total Merger & Related Restructuring Charges	-	-1.2M	-	-1.94M	-7.18M
Other Unusual Items	-	-	-	-1.12M	-
EBT, Incl. Unusual Items	33.92M	43.36M	73.12M	71.96M	46.41M
Income Tax Expense	8.66M	11.4M	19.09M	19.05M	12.3M
Earnings From Continuing Operations	25.26M	31.96M	54.02M	52.91M	34.11M
Net Income to Company	25.26M	31.96M	54.02M	52.91M	34.11M
Net Income - (IS)	25.26M	31.96M	54.02M	52.91M	34.11M
Preferred Dividend and Other Adjustments	210K	47K	250K	257K	31K
Net Income to Common Incl Extra Items	25.05M	31.91M	53.77M	52.65M	34.08M
Net Income to Common Excl. Extra Items	25.05M	31.91M	53.77M	52.65M	34.08M
Per Share Items
Net EPS - Basic	5.41	5.07	7.76	7.35	4.35
Basic EPS - Continuing Operations	5.41	5.07	7.76	7.35	4.35
Basic Weighted Average Shares Outstanding	4.63M	6.29M	6.93M	7.16M	7.83M
Net EPS - Diluted	5.37	5.03	7.69	7.3	4.34
Diluted EPS - Continuing Operations	5.37	5.03	7.69	7.3	4.34
Diluted Weighted Average Shares Outstanding	4.66M	6.34M	6.99M	7.21M	7.84M
Normalized Basic EPS	4.58	4.43	6.67	6.55	4.28
Normalized Diluted EPS	4.55	4.39	6.61	6.5	4.27
Dividend Per Share	2.04	2.12	2.38	2.56	2.68
Payout Ratio	37.68	40.94	30.64	34.8	61.53
Supplemental Items
Effective Tax Rate - (Ratio)	25.54	26.3	26.11	26.48	26.5
Current Domestic Taxes	8.55M	12.07M	16.19M	18.46M	10.64M
Total Current Taxes	8.55M	12.07M	16.19M	18.46M	10.64M
Deferred Domestic Taxes	110K	-665K	2.9M	587K	1.66M
Total Deferred Taxes	110K	-665K	2.9M	587K	1.66M
Normalized Net Income	21.2M	27.85M	46.19M	46.89M	33.49M
Non-Cash Pension Expense	-542K	-1.48M	-2.1M	-2.28M	-999K
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	2.63M	4.92M	3.48M	2.88M	1.59M
Total Stock-Based Compensation	2.63M	4.92M	3.48M	2.88M	1.59M

Fiscal Period: December	2019 (USD)	2020 (USD)	2021 (USD)	2022 (USD)	2023 (USD)
Assets
Cash And Equivalents	29.34M	45.38M	166M	30.22M	32.5M
Investment Securities, Total	134M	137M	137M	121M	108M
Trading Asset Securities, Total	15.91M	46.08M	27.05M	52.77M	43.26M
Mortgage Backed Securities	264M	348M	1.04B	1.08B	989M
Total investments	414M	531M	1.2B	1.26B	1.14B
Gross Loans	2.23B	3.16B	3.32B	4.06B	4.02B
Allowance For Loan Losses	-18.18M	-36.02M	-34.5M	-37.77M	-38.94M
Other Adjustments to Gross Loans	-101K	-1.79M	-434K	-	-
Net Loans	2.21B	3.12B	3.28B	4.03B	3.98B
Gross Property Plant And Equipment	66.76M	73.7M	71.65M	74.27M	73.82M
Accumulated Depreciation	-18.41M	-20.61M	-23.06M	-25.87M	-28.84M
Net Property Plant And Equipment	48.34M	53.08M	48.6M	48.4M	44.99M
Goodwill	31.21M	51.91M	51.91M	64.54M	64.54M
Other Intangibles, Total	3.34M	2.98M	2.62M	7.44M	6.55M
Investment in FHLB	7.85M	5.73M	4.82M	6.26M	19.06M
Loans Held For Sale	1.55M	6.91M	1.49M	-	-
Accrued Interest Receivable	7.05M	9.51M	9.16M	14.12M	15.76M
Restricted Cash	32M	30.4M	13.8M	500K	500K
Deferred Tax Assets Long-Term (Collected)	8.23M	11.64M	9.98M	17.99M	15.3M
Other Real Estate Owned And Foreclosed	163K	1.82M	-	-	-
Other Long-Term Assets, Total	63.54M	81.5M	96.28M	87M	95.44M
Total Assets	2.86B	3.95B	4.89B	5.56B	5.42B
Liabilities
Interest Bearing Deposits	1.61B	2.24B	2.88B	3.36B	3.12B
Institutional Deposits	119M	161M	60.17M	87.53M	170M
Non-Interest Bearing Deposits	631M	1.01B	1.39B	1.37B	1.03B
Total Deposits	2.36B	3.4B	4.33B	4.82B	4.32B
Short-Term Borrowings	149M	38.91M	23.72M	50.83M	447M
Current Portion of Long-Term Debt	-	15.16M	289K	105M	-
Current Portion of Leases	5.48M	7.17M	7.21M	7.08M	6.96M
Federal Home Loan Bank Debt - Long-Term	-	17.84M	16.22M	-	46.16M
Long-Term Leases	29.58M	30.28M	26.66M	20.33M	18.21M
Pension & Other Post Retirement Benefits	10.31M	11.27M	10.8M	8.06M	8.2M
Other Non Current Liabilities	15.84M	23.86M	37.65M	35.3M	35.51M
Total Liabilities	2.57B	3.55B	4.45B	5.04B	4.88B
Common Stock, Total	5.4M	6.93M	6.97M	7.8M	7.84M
Additional Paid In Capital	137M	227M	229M	293M	294M
Retained Earnings	147M	165M	203M	237M	250M
Comprehensive Income and Other	-2.48M	2.43M	-1.21M	-20.8M	-17.71M
Total Common Equity	287M	402M	438M	518M	535M
Total Equity	287M	402M	438M	518M	535M
Total Liabilities And Equity	2.86B	3.95B	4.89B	5.56B	5.42B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	5.41M	6.96M	7M	7.83M	7.85M
ECS Total Common Shares Outstanding	5.4M	6.93M	6.97M	7.8M	7.85M
Book Value / Share	53.06	58	62.83	66.38	68.14
Tangible Book Value	252M	347M	383M	446M	463M
Tangible Book Value Per Share	46.66	50.07	55.01	57.15	59.08
Tangible Book Value Per Share (As Reported)	46.66	50.07	55.01	57.15	59.08
Average Assets	2.6B	3.52B	4.34B	5.15B	5.49B
Average Loans	1.97B	2.86B	3.24B	3.6B	4.03B
Total Debt	184M	109M	74.1M	183M	518M
Debt Equivalent of Unfunded Proj. Benefit Obligation	4.89M	4.82M	-2.69M	-6.69M	-9.29M
Net Debt	139M	17.88M	-119M	100M	442M
Full Time Employees	312	372	379	440	407
Part Time Employees	9	11	10	7	6
Number Of Offices	16	21	19	22	22

Fiscal Period: December	2019 (USD)	2020 (USD)	2021 (USD)	2022 (USD)	2023 (USD)
Net Income	25.26M	31.96M	54.02M	52.91M	34.11M
Depreciation, Depletion & Amortization	2M	-9.07M	-2.76M	2.7M	2.8M
Amortization of Goodwill and Intangible Assets - (CF)	-1.18M	933K	920K	768K	1.45M
Total Depreciation, Depletion & Amortization	828K	-8.13M	-1.84M	3.47M	4.25M
Amortization of Deferred Charges, Total	166K	-	-	2.28M	2.33M
(Gain) Loss on Sale of Investments - (CF)	79K	-69K	-	-	-
Provision for Credit Losses	3M	18.31M	-1.29M	3.88M	904K
Stock-Based Compensation (CF)	2.17M	4.56M	2.28M	1.96M	813K
Changes in Accrued Interest Receivable	-162K	253K	352K	-4.28M	-1.65M
Change In Deferred Taxes	110K	-	-	-	-
Change in Other Net Operating Assets (Collected)	-2.05M	-7.89M	11.32M	-4.31M	-5.5M
Other Operating Activities	-612K	-2.19M	664K	-3.96M	-2.17M
Cash from Operations	28.79M	36.8M	65.51M	51.95M	33.09M
Capital Expenditure	-1.9M	-2.22M	-2.03M	-1.78M	-1.37M
Cash Acquisitions	2.06M	43.06M	-	82.17M	-
Investment in Marketable and Equity Securities, Total	76.68M	-60.47M	-699M	-35.08M	110M
Net (Increase) Decrease in Loans Originated / Sold - Investing	-191M	-47.8M	-157M	-438M	41.96M
Other Investing Activities, Total	456K	8.5M	918K	13.57M	-12.79M
Cash from Investing	-113M	-58.93M	-856M	-379M	138M
Short Term Debt Issued, Total	-	-	-	85.03M	-
Long-Term Debt Issued, Total	28.82M	-	-	-	347M
Total Debt Issued	28.82M	-	-	85.03M	347M
Short Term Debt Repaid, Total	-	-	-	-	-
Long-Term Debt Repaid, Total	-	-235M	-16.39M	-	-
Total Debt Repaid	-	-235M	-16.39M	-	-
Issuance of Common Stock	38.2M	-	-	-	-
Repurchase of Common Stock	-	-	-	-	-
Common Dividends Paid	-9.52M	-13.08M	-16.55M	-18.41M	-20.99M
Common & Preferred Stock Dividends Paid	-9.52M	-13.08M	-16.55M	-18.41M	-20.99M
Net Increase (Decrease) in Deposit Accounts - (CF)	70.03M	285M	928M	111M	-495M
Cash from Financing	128M	36.58M	895M	178M	-169M
Net Change in Cash	42.86M	14.45M	104M	-149M	2.28M
Supplemental Items
Cash Interest Paid	17.92M	9.17M	5.66M	15.8M	92.54M
Cash Income Tax Paid (Refund)	7.77M	14.63M	9.05M	21.82M	12.9M
Net Debt Issued / Repaid	28.82M	-235M	-16.39M	85.03M	347M

Fiscal Period: December	2019 (USD)	2020 (USD)	2021 (USD)	2022 (USD)	2023 (USD)
Profitability
Return on Assets	1.02	0.94	1.22	1.01	0.62
Return On Equity %	11.14	9.29	12.87	11.08	6.48
Return on Common Equity	11.04	9.27	12.81	11.02	6.48
Shareholders Value Added	-3.13M	-7.66M	5.06M	-2.43M	-23.08M
Margin Analysis
SG&A Margin	62.42	60.55	55.17	56.05	61.88
Net Interest Income / Total Revenues %	70.21	85	73.72	78.54	74.74
EBT Excl. Non-Recurring Items Margin %	30.26	31.5	42.57	41.14	33.15
Income From Continuing Operations Margin %	22.53	22.59	31.12	29.02	21.1
Net Income Margin %	22.53	22.59	31.12	29.02	21.1
Net Avail. For Common Margin %	22.34	22.56	30.98	28.88	21.08
Normalized Net Income Margin	18.91	19.69	26.61	25.71	20.72
Asset quality
Nonperforming Loans / Total Loans %	0.25	0.28	0.16	0.16	0.41
Nonperforming Loans / Total Assets %	0.2	0.23	0.11	0.12	0.31
Nonperforming Assets / Total Assets %	0.2	0.27	0.11	0.12	0.31
NPAs / Loans and OREO	0.26	0.34	0.16	0.16	0.41
NPAs / Equity	2.03	2.68	1.23	1.26	3.1
Allowance for Credit Losses / Net Charge-offs %	1.14K	8.2K	-22.4K	-71.27K	55.63K
Allowance for Credit Losses / Nonperforming Loans %	321.71	401.87	640.48	577.41	235.07
Allowance for Credit Losses / Total Loans %	0.82	1.14	1.04	0.93	0.97
Net Charge-offs / Total Average Loans %	0.08	0.02	-0	-0	0
Provision for Loan Losses / Net Charge-offs %	188.69	4.17K	840.26	-7.32K	1.29K
Earning Assets / IBL	140.91	148.24	157.22	157.18	141.51
Interest Income / Average Assets	3.7	3.67	3.07	3.11	3.98
Interest Expense / Average Assets	0.68	0.26	0.13	0.33	1.78
Net Interest Income / Average Assets	3.03	3.41	2.95	2.78	2.2
Non Interest Income / Average Assets	1.4	1.12	1.02	0.84	0.76
Non Interest Expense / Average Asset	3.01	2.75	2.3	2.08	1.97
Capital And Funding
Total Average Common Equity / Total Average Assets %	9.15	10.11	9.5	9.14	9.58
Total Average Equity / Total Average Assets %	9.15	10.11	9.5	9.14	9.58
Total Equity + Allowance for Loan Losses / Total Loans %	13.68	13.87	14.23	13.67	14.26
Gross Loans / Total Deposits %	94.4	92.72	76.64	84.37	93.07
Net Loans / Total Deposits %	93.63	91.61	75.84	83.59	92.16
Tier 1 Capital Ratio %	12.7	12.7	12.4	12.5	13
Total Capital Ratio %	13.6	13.9	13.6	13.5	14.1
Core Tier 1 Capital Ratio	12.7	12.7	12.4	12.5	13
Equity Tier 1 Capital Ratio	8.93	8.91	7.92	8.12	8.67
Coverage Ratio	438.39	-	-	-	-
Leverage Ratio %	9	8.9	8.3	8.5	8.9
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	17.94	24.44	131.8	34.01	4.64
EBT + Interest Expense / Interest Expense	2.92	5.74	14.21	5.29	1.47
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	23.76	52.78	6.44	11.9	-15.65
Non Interest Income, 1 Yr. Growth %	10.34	8.58	12.14	-2.97	-2.97
Provision For Loan Losses, 1 Yr. Growth %	100	509.52	-107.07	-399.92	-76.71
Total Revenues, 1 Yr. Growth %	17.9	26.19	22.73	5.04	-11.36
Earnings From Cont. Operations, 1 Yr. Growth %	5.76	26.54	69.04	-2.06	-35.53
Net Income, 1 Yr. Growth %	5.76	26.54	69.04	-2.06	-35.53
Normalized Net Income, 1 Yr. Growth %	8.4	31.38	44.98	1.06	-28.57
Diluted EPS Before Extra, 1 Yr. Growth %	-6.93	-6.33	52.88	-5.07	-40.55
Dividend Per Share, 1 Yr. Growth %	4.08	3.92	12.26	7.56	4.69
Gross Loans, 1 Yr. Growth %	42.76	41.7	5.2	22.39	-1.02
Allowance For Loan Losses, 1 Yr. Growth %	8.42	98.11	-4.22	9.5	3.1
Net Loans, 1 Yr. Growth %	43.13	41.16	5.36	22.54	-1.06
Non Performing Loans, 1 Yr. Growth %	780.22	58.59	-39.9	21.46	153.24
Non Performing Assets, 1 Yr. Growth %	-	85.45	-50.05	21.46	153.24
Total Assets, 1 Yr. Growth %	35.89	38.3	23.86	13.66	-2.56
Total Deposits, 1 Yr Growth %	30.22	44.27	27.27	11.18	-10.26
Tangible Book Value, 1 Yr. Growth %	51.26	37.63	10.51	16.24	4.02
Average Interest Earning Assets, 1 Yr. Growth %	27.66	34.65	24.87	19.64	6.27
Average Interest Bearing Liabilities, 1 Yr. Growth %	36.15	27.99	17.74	19.67	18.04
Common Equity, 1 Yr. Growth %	71.57	40.19	8.99	18.21	3.29
Total Equity, 1 Yr. Growth %	71.57	40.19	8.99	18.21	3.29
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	16.88	37.51	27.53	9.14	-2.84
Non Interest Income, 2 Yr. CAGR %	9.74	9.46	10.35	4.31	-2.97
Provision For Loan Losses, 2 Yr. CAGR %	188.07	249.15	-34.37	-53.96	-16.42
Total Revenues, 2 Yr. CAGR %	13.21	21.97	24.45	13.54	-3.51
Earnings From Cont. Operations, 2 Yr. CAGR %	30.56	15.68	46.25	28.67	-20.54
Net Income, 2 Yr. CAGR %	30.56	15.68	46.25	28.67	-20.54
Normalized Net Income, 2 Yr. CAGR %	9.72	19.73	38.3	21.31	-15.04
Diluted EPS Before Extra, 2 Yr. CAGR %	21.96	-6.63	19.67	20.47	-24.88
Dividend Per Share, 2 Yr. CAGR %	4.73	4	8.01	9.89	6.12
Gross Loans, 2 Yr. CAGR %	28.39	42.23	22.09	13.47	10.07
Allowance For Loan Losses, 2 Yr. CAGR %	8.94	46.56	37.75	2.41	6.25
Net Loans, 2 Yr. CAGR %	28.59	42.14	21.95	13.63	10.11
Non Performing Loans, 2 Yr. CAGR %	108.65	273.62	-2.37	-14.56	75.38
Non Performing Assets, 2 Yr. CAGR %	111.64	-	-3.75	-22.11	75.38
Total Assets, 2 Yr. CAGR %	21.01	37.09	30.88	18.65	5.24
Total Deposits, 2 Yr CAGR %	15.27	37.07	35.5	18.95	-0.12
Tangible Book Value, 2 Yr. CAGR %	30.69	44.28	23.33	13.34	9.96
Average Interest Earning Assets, 2 Yr. CAGR %	16.24	31.11	29.67	22.23	12.76
Average Interest Bearing Liabilities, 2 Yr. CAGR %	18.67	32.01	22.76	18.7	18.85
Common Equity, 2 Yr. CAGR %	39.17	55.09	23.61	13.5	10.5
Total Equity, 2 Yr. CAGR %	39.17	55.09	23.61	13.5	10.5
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	13.61	27.8	26.26	22.09	0.16
Non Interest Income, 3 Yr. CAGR %	8.29	9.36	10.35	5.72	1.83
Provision For Loan Losses, 3 Yr. CAGR %	183.38	269.82	-4.85	8.91	-63.31
Total Revenues, 3 Yr. CAGR %	10.89	17.38	22.23	17.61	4.55
Earnings From Cont. Operations, 3 Yr. CAGR %	14.34	29.21	31.27	27.95	2.19
Net Income, 3 Yr. CAGR %	14.34	29.21	31.27	27.95	2.19
Normalized Net Income, 3 Yr. CAGR %	10.04	16.51	33.46	24.75	1.68
Diluted EPS Before Extra, 3 Yr. CAGR %	8.98	11.69	10.05	10.78	-4.8
Dividend Per Share, 3 Yr. CAGR %	3.5	4.46	6.69	7.86	8.13
Gross Loans, 3 Yr. CAGR %	19.04	32.68	28.63	22.19	8.42
Allowance For Loan Losses, 3 Yr. CAGR %	6.01	32.97	27.18	27.6	2.64
Net Loans, 3 Yr. CAGR %	19.17	32.65	28.64	22.15	8.5
Non Performing Loans, 3 Yr. CAGR %	49.95	90.42	103.19	5	22.73
Non Performing Assets, 3 Yr. CAGR %	51.38	102.52	-	4.01	15.39
Total Assets, 3 Yr. CAGR %	15.59	26.52	32.53	24.87	11.11
Total Deposits, 3 Yr CAGR %	11.84	24.22	33.72	26.86	8.29
Tangible Book Value, 3 Yr. CAGR %	23.36	32.96	32.01	20.92	10.15
Average Interest Earning Assets, 3 Yr. CAGR %	12.61	22.08	29	26.23	16.66
Average Interest Bearing Liabilities, 3 Yr. CAGR %	14.27	21.7	27.07	21.72	18.48
Common Equity, 3 Yr. CAGR %	28.62	39.51	37.88	21.78	9.99
Total Equity, 3 Yr. CAGR %	28.62	39.51	37.88	21.78	9.99
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	10.27	18.41	18.98	19.98	13.7
Non Interest Income, 5 Yr. CAGR %	8.27	8.85	9.11	7.31	4.81
Provision For Loan Losses, 5 Yr. CAGR %	14.15	76.3	57.86	60.71	-9.66
Total Revenues, 5 Yr. CAGR %	9.51	13.1	16.13	15.83	11.2
Earnings From Cont. Operations, 5 Yr. CAGR %	11.07	15.28	26.17	28.99	7.39
Net Income, 5 Yr. CAGR %	11.07	15.28	26.17	28.99	7.39
Normalized Net Income, 5 Yr. CAGR %	8.87	13.9	23.76	21.64	11.51
Diluted EPS Before Extra, 5 Yr. CAGR %	7.3	5.06	13.14	15.12	-5.54
Dividend Per Share, 5 Yr. CAGR %	3.96	3.33	5.28	6.6	6.46
Gross Loans, 5 Yr. CAGR %	15.56	21.49	20.25	24.64	20.86
Allowance For Loan Losses, 5 Yr. CAGR %	4.96	18.85	17.72	19.78	18.36
Net Loans, 5 Yr. CAGR %	15.67	21.51	20.28	24.69	20.88
Non Performing Loans, 5 Yr. CAGR %	28.25	43.34	26.3	38.19	91.58
Non Performing Assets, 5 Yr. CAGR %	28.98	48.74	26.3	38.19	-
Total Assets, 5 Yr. CAGR %	12.66	18.28	21.48	23.31	20.85
Total Deposits, 5 Yr CAGR %	11.47	16.92	20.77	22.09	18.99
Tangible Book Value, 5 Yr. CAGR %	16.82	22.71	23.34	24.74	22.71
Average Interest Earning Assets, 5 Yr. CAGR %	-	15.67	19.15	22.14	22.24
Average Interest Bearing Liabilities, 5 Yr. CAGR %	-	15.37	17.59	20.49	23.71
Common Equity, 5 Yr. CAGR %	19.77	26.29	26.59	28.46	26.2
Total Equity, 5 Yr. CAGR %	19.77	26.29	26.59	28.46	26.2