One Liberty Properties, Inc. Financial Ratios — O1A Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	6.91	14.19	7.36	8.79	7.97	8.87	8.23	6.96	6.13	9.43	13.04	13.58	9.51	9.91	8.39
Return on Assets (%)	3.06	6.92	3.39	3.81	3.32	3.54	3.27	2.71	2.32	3.53	5.08	5.49	3.83	3.98	3.14
Return on Capital (%)	6	9.9	6.18	6.89	6	6.37	5.97	5.2	5.02	6.34	7.82	8.19	6.55	6.8	6.03
Return on Invested Capital (%)	5.09	5.01	5.2	5.44	5.57	6.39	5.99	5.02	5.41	6.54	7.87	7.43	6.85	6.86	6.2
Gross Margin (%)	93.54	93.32	93.09	92.2	90.33	86.91	85.45	85.34	83.39	83.35	83.32	83.18	81.86	80.23	79.56
EBITDA Margin (%)	77.5	74.61	75.41	73.81	73.52	83.91	81.54	74.1	72.32	85.9	95.5	83.6	81.8	80.59	76.22
Operating Margin (%)	54.87	53.73	53.91	52.61	50.38	45.74	42.31	39.26	42.3	38.25	38.08	40.54	36.74	36.42	34.78
Incremental Operating Margin (%)	40.51	37.79	55.02	45.62	24.57	- -	- -	- -	85.17	159.62	21.62	62.04	259.68	395.18	12.52
Pretax Margin (%)	27.13	25.87	34.15	36.7	33.34	34.68	31.94	27.25	21.88	33.47	47.18	45.82	33.01	34.01	27.88
Profit Margin (%)	33.58	73.8	35.06	36.57	31.22	34.6	31.81	26.12	21.26	33.46	46.96	45.74	32.67	33.59	26.2
Net Income to Common Margin (%)	33.58	73.8	35.06	36.57	31.22	34.6	31.81	26.12	21.26	33.46	46.96	45.74	32.67	33.59	26.2
Effective Tax Rate (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dvd Payout Ratio (%)	163.21	172.12	122.84	105.88	109.88	115.04	130.2	153.23	185.67	107.37	95.17	89.41	126.17	123.36	135.72
Sustainable Growth Rate (%)	-4.36	-10.24	-1.68	-0.52	-0.79	-1.33	-2.48	-3.7	-5.25	-0.7	0.63	1.44	-2.49	-2.31	-3

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	218	231	301	305	349	404	402	448	447	442	408	426	418	421	517
ST Debt	20	5	23	13	18	9	9	30	11	13	11	21	- -	- -	- -
LT Debt	198	226	278	292	331	395	393	419	436	430	396	405	418	421	517
Total Debt/EBITDA	6.88	7.08	7.84	6.84	7.22	6.82	6.49	7.65	7.29	6.29	5.16	5.53	5.64	5.76	6.98
Net Debt/EBITDA	6.48	6.47	7.4	6.38	6.96	6.53	6.27	7.39	7.11	6.1	4.96	5.44	5.29	5.18	6.79
Total Debt/EBIT	9.81	10.19	11.34	10.09	10.68	9.67	9.61	12.34	11.12	9.18	7.16	7.87	8.31	8.43	10.8
Net Debt/EBIT	9.24	9.31	10.72	9.42	10.29	9.25	9.29	11.93	10.84	8.92	6.88	7.75	7.79	7.58	10.5
EBITDA to Interest Expense	2.55	2.61	2.8	2.74	3.01	3.43	3.52	3.28	3.09	3.64	4.4	4.39	3.95	3.75	3.25
EBITDA-CapEx/Interest Expense	0.17	-1.34	-5.26	-0.81	-1.44	-3.72	0.67	3.28	3.09	3.64	4.4	4.39	3.95	3.75	3.25
EBIT to Interest Expense	1.8	1.88	2	1.95	2.07	1.87	1.82	1.74	1.81	1.62	1.76	2.13	1.77	1.69	1.48
Interest Expense	12	13	14	16	16	17	18	18	20	19	18	18	19	19	23
Common Equity/Total Assets	48.21	49.28	43.53	43.07	40.29	39.56	39.96	38.05	37.54	37.46	40.55	40.34	40.27	40.08	34.94
Long-Term Debt/Equity (%)	90.4	94.92	111.18	114.12	126.15	135.27	131.71	140.26	149.27	147.18	129.41	127.84	135.94	136.29	172.56
Long-Term Debt/Capital (%)	45.31	48.15	50.43	52.04	54.16	56.75	56.13	56.06	59	58.53	55.5	54.52	57.62	57.68	63.31
Long-Term Debt/Total Assets (%)	43.71	46.96	48.62	49.46	51.21	53.84	52.94	53.63	56.26	55.36	52.64	51.73	54.93	54.83	60.33
Total Debt/Equity (%)	99.54	97.15	120.47	119.3	132.91	138.38	134.65	150.2	152.98	151.47	133.16	134.48	135.94	136.29	172.56
Total Debt/Capital (%)	49.88	49.28	54.64	54.4	57.07	58.05	57.38	60.03	60.47	60.23	57.11	57.35	57.62	57.68	63.31
Total Debt/Total Assets (%)	48.13	48.06	52.68	51.71	53.95	55.08	54.13	57.43	57.66	56.98	54.16	54.42	54.93	54.83	60.33
Net Debt to Equity	93.75	88.8	113.82	111.35	128.06	132.41	130.04	145.11	149.2	147.12	127.88	132.36	127.35	122.58	167.75
Net Debt/Capital (%)	48.39	46.49	53.23	52.69	56.15	56.97	56.53	59.2	59.87	59.53	56.12	56.96	56.02	55.07	62.65
EBITDA	32	33	38	45	48	59	62	59	61	70	79	77	74	73	74
EBITDA-CapEx	2	-17	-72	-13	-23	-64	12	59	61	70	79	77	74	73	74
Operating Income (Loss)	22	24	27	32	33	32	32	31	36	31	32	37	33	33	34

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	0.42	1.23	0.45	0.64	0.33	0.64	0.41	0.31	0.32	0.29	0.4	0.13	1.04	1.62	0.53
Current Ratio	1.33	2.75	0.96	1.4	1.03	1.17	0.85	0.61	0.76	0.65	0.8	0.46	1.7	2.27	1.15
Quick Ratio	0.79	2.3	0.82	1.04	0.68	1.14	0.84	0.58	0.76	0.65	0.76	0.46	1.7	2.27	1.15
CFO/Avg Current Liab	0.57	1.03	1.1	0.92	0.98	0.91	1.46	1.03	0.86	0.9	1.17	0.98	1.22	1.52	1.4
Common Equity/Total Assets	48.21	49.28	43.53	43.07	40.29	39.56	39.96	38.05	37.54	37.46	40.55	40.34	40.27	40.08	34.94
Long-Term Debt/Equity (%)	90.4	94.92	111.18	114.12	126.15	135.27	131.71	140.26	149.27	147.18	129.41	127.84	135.94	136.29	172.56
Long-Term Debt/Capital (%)	45.31	48.15	50.43	52.04	54.16	56.75	56.13	56.06	59	58.53	55.5	54.52	57.62	57.68	63.31
Long-Term Debt/Total Assets (%)	43.71	46.96	48.62	49.46	51.21	53.84	52.94	53.63	56.26	55.36	52.64	51.73	54.93	54.83	60.33
Total Debt/Equity (%)	99.54	97.15	120.47	119.3	132.91	138.38	134.65	150.2	152.98	151.47	133.16	134.48	135.94	136.29	172.56
Total Debt/Capital (%)	49.88	49.28	54.64	54.4	57.07	58.05	57.38	60.03	60.47	60.23	57.11	57.35	57.62	57.68	63.31
Total Debt/Total Assets (%)	48.13	48.06	52.68	51.71	53.95	55.08	54.13	57.43	57.66	56.98	54.16	54.42	54.93	54.83	60.33
CFO/Total Liabilities	9.25	9	8.31	9.51	8.98	6.79	10	8.84	7.51	7.25	10.87	9.48	10.15	8.52	6.73
CFO/CapEx	0.73	0.44	0.24	0.55	0.48	0.24	0.89	- -	- -	- -	- -	- -	- -	- -	- -
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.94	0.6

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	- -	- -	3.75	4.98	5.16	5.44	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	97.31	73.3	70.77	67.12	- -	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	0.26	0.67	0.61	0.57	1.51	- -	- -	- -	- -	21.74	24.42	- -	- -	- -
Days Inventory Outstanding	- -	1,393.32	546.36	594.26	644.28	242.15	- -	- -	- -	- -	16.79	14.95	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	-496.94	-570.98	-171.38	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	17	5	5	10	12	- -	- -	- -	- -	- -	1	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	17	5	5	10	12	- -	- -	- -	- -	- -	1	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	543	418
- Cash & Cash Equivalents	13	15	17	20	13	17	14	15	11	13	16	7	26	42	14
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	1	1	1	2	2	2	2	1	1	1	1	1	1	1	- -
+ Total Debt	218	231	301	305	349	404	402	448	447	442	408	426	418	421	517
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	922	921
Total Capital	437	469	551	561	611	696	700	747	739	734	714	743	726	729	817
Total Debt/Capital (%)	49.88	49.28	54.64	54.4	57.07	58.05	57.38	60.03	60.47	60.23	57.11	57.35	57.62	57.68	63.31
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.46	0.56
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.18	9.48
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.64	12.43
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	18.48	19.23
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	15.76	15.28
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	15.76	15.28
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	544	418
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	923	921
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	44.56	44.05
TTM Sales	41	44	51	60	66	71	76	79	85	82	83	92	91	91	97
TTM EBITDA	32	33	38	45	48	59	62	59	61	70	79	77	74	73	74
TTM Operating Income	22	24	27	32	33	32	32	31	36	31	32	37	33	33	34
TTM Cash Flow to Firm	34	34	40	48	51	47	62	61	56	54	67	62	65	59	60
TTM Free Cash Flow to Firm	4	-15	-70	-10	-21	-76	12	61	56	54	67	62	65	59	60

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.92	11.15
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	18.48	19.23
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	922	921
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	20.97	19.43
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.18	9.48
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.64	12.43
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	17.77	16.38
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	17.2	19.05
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	20.06	22.55
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	14.2	15.92
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.77	1.4
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.71	1.62
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.99	1.92
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.41	1.36
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.85	1.53
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.79	1.78
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.09	2.1
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.48	1.48
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.97	4.29
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.78	4.99
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.74	5.91
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.77	4.17
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.84	11.12
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.39	12.94
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	15.62	15.31
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.06	10.81
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.47	12.97
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	15.72	15.34
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.13	10.83
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.99	10.18
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.96	11.1
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.98	9.35
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.4	13.36
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.6	14.56
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.15	12.27
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	18.13	20.66
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	19.89	22.52
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	16.3	18.99
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	26.23	20
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	29.62	27.53
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	905	990
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	993	1,079
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	813	910

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	14	15	15	16	16	18	18	19	19	20	20	20	20	21	21
Diluted Weighted Avg Shares	14	15	16	16	16	17	19	19	19	20	20	20	21	21	21
Basic Weighted Avg Shares	14	15	15	16	16	17	19	19	19	20	20	20	20	21	21
Revenue per Share	2.96	2.95	3.31	3.89	4.11	4.06	4.09	4.26	4.44	4.18	4.12	4.53	4.42	4.4	4.66
EBITDA per Share	2.3	2.2	2.49	2.87	3.03	3.41	3.33	3.16	3.21	3.6	3.93	3.79	3.62	3.54	3.55
Operating Income per Share	1.62	1.59	1.78	2.04	2.07	1.86	1.73	1.67	1.88	1.6	1.57	1.84	1.62	1.6	1.62
Basic EPS, GAAP	0.99	2.18	1.16	1.42	1.28	1.41	1.3	1.11	0.94	1.4	1.93	2.07	1.44	1.48	1.22
Basic EPS from Cont Ops	0.8	0.76	1.13	1.43	1.37	1.41	1.31	1.16	0.97	1.4	1.94	2.08	1.46	1.5	1.3
Diluted EPS, GAAP	0.99	2.16	1.15	1.41	1.28	1.4	1.29	1.11	0.94	1.4	1.92	2.06	1.44	1.47	1.22
Diluted EPS from Cont Ops	0.8	0.76	1.12	1.42	1.36	1.4	1.3	1.16	0.97	1.4	1.93	2.07	1.46	1.49	1.3
Dividend per Share	1.31	1.31	1.39	1.52	1.6	1.62	1.71	1.85	1.86	1.5	1.86	1.86	1.86	1.87	1.87
Cash Flow per Share	1.57	1.47	1.73	2.04	2.16	1.73	2.39	2.3	1.9	1.79	2.42	2.17	2.25	1.9	1.8
Free Cash Flow per Basic Share	-0.58	-1.86	-5.44	-1.67	-2.31	-5.38	-0.31	2.3	1.9	1.79	2.42	2.17	2.25	1.9	1.8
Cash & Equivalents per Share	0.92	1	1.09	1.29	0.78	0.99	0.75	0.81	0.57	0.64	0.8	0.33	1.3	2.04	0.69
Book Value per Share	15.36	16.24	16.35	16.17	15.99	16.48	16.25	15.86	15.1	14.63	15.09	15.52	15.09	14.85	14.32
Tangible Book Value per Share	14.57	15.11	14.64	14.43	14.21	14.63	14.58	14.44	13.75	13.38	14.06	14.54	14.37	14.19	13.1