Tompkins Financial Corporation Financial Ratios — 8J0 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 (%)	12.44	8.48	11.35	11.02	11.65	11.16	9.35	13.78	12.76	11.26	12.37	12.66	1.48	10.25	19.5
Return on Assets (%)	1.06	0.76	1.03	1.01	1.07	1	0.81	1.23	1.21	1.08	1.16	1.1	0.12	0.89	1.92
Return on Capital (%)	6.87	5.63	7.13	6.07	5.91	4.62	3.34	4.87	5.35	6.64	9.64	9.64	0.86	5.1	10.71
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	32.99	22.78	31.53	33.46	36.82	35.03	35.66	36.83	36.37	33	38.3	36.13	5.63	31.5	88.5
Profit Margin (%)	22.51	16.77	22.35	22.44	24.58	24.03	19.65	29.08	28.89	26.22	29.84	28	4.41	24	63.4
Net Income to Common Margin (%)	22.51	16.77	22.35	22.44	24.58	24.03	19.65	29.08	28.89	26.22	29.84	28	4.41	24	63.4
Effective Tax Rate (%)	31.53	26.09	28.95	32.75	33.09	31.26	44.75	20.92	20.43	20.4	21.98	22.38	20.58	23.67	28.37
Dvd Payout Ratio (%)	43.22	60.29	43.94	45.85	43.3	44.63	52.37	35.89	37.37	40.26	36.21	39.36	353.86	49.3	22.41
Sustainable Growth Rate (%)	7.06	3.37	6.36	5.97	6.6	6.18	4.45	8.84	7.99	6.73	7.89	7.68	-3.76	5.2	15.13

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	211	156	369	394	574	922	1,088	1,093	675	278	124	291	602	790	564
ST Debt	- -	- -	- -	- -	- -	- -	588	647	239	- -	14	241	477	247	395
LT Debt	211	156	369	394	574	922	501	446	436	278	110	50	125	543	169
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.75	9.09	9.12	9.26	9.05	8.79	8.65	9.17	9.84	9.4	9.3	8.03	8.55	8.8	10.83
Long-Term Debt/Equity (%)	70.58	35.24	80.51	80.45	111.1	167.91	86.9	71.81	65.76	38.77	15.09	8.1	18.66	76.14	18.06
Long-Term Debt/Capital (%)	41.38	26.05	44.6	44.58	52.63	62.67	30.08	26.02	32.58	27.94	12.9	5.5	9.83	36.13	11.28
Long-Term Debt/Total Assets (%)	6.21	3.22	7.37	7.47	10.08	14.79	7.53	6.6	6.48	3.65	1.41	0.65	1.6	6.7	1.95
Total Debt/Equity (%)	70.58	35.24	80.51	80.45	111.1	167.91	188.9	176.03	101.82	38.77	17.01	47.18	89.87	110.77	60.15
Total Debt/Capital (%)	41.38	26.05	44.6	44.58	52.63	62.67	65.39	63.77	50.45	27.94	14.54	32.06	47.33	52.55	37.56
Total Debt/Total Assets (%)	6.21	3.22	7.37	7.47	10.08	14.79	16.37	16.17	10.04	3.65	1.59	3.8	7.7	9.75	6.51
Net Debt to Equity	54.01	8.29	62.41	69	99.82	156.27	174.27	163.09	81.01	-15.36	8.35	34.58	78	91.93	46
Net Debt/Capital (%)	35.07	7.65	38.43	40.83	49.95	60.98	63.54	61.99	44.76	-18.15	7.71	25.69	43.82	47.9	31.51
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.75	9.09	9.12	9.26	9.05	8.79	8.65	9.17	9.84	9.4	9.3	8.03	8.55	8.8	10.83
Long-Term Debt/Equity (%)	70.58	35.24	80.51	80.45	111.1	167.91	86.9	71.81	65.76	38.77	15.09	8.1	18.66	76.14	18.06
Long-Term Debt/Capital (%)	41.38	26.05	44.6	44.58	52.63	62.67	30.08	26.02	32.58	27.94	12.9	5.5	9.83	36.13	11.28
Long-Term Debt/Total Assets (%)	6.21	3.22	7.37	7.47	10.08	14.79	7.53	6.6	6.48	3.65	1.41	0.65	1.6	6.7	1.95
Total Debt/Equity (%)	70.58	35.24	80.51	80.45	111.1	167.91	188.9	176.03	101.82	38.77	17.01	47.18	89.87	110.77	60.15
Total Debt/Capital (%)	41.38	26.05	44.6	44.58	52.63	62.67	65.39	63.77	50.45	27.94	14.54	32.06	47.33	52.55	37.56
Total Debt/Total Assets (%)	6.21	3.22	7.37	7.47	10.08	14.79	16.37	16.17	10.04	3.65	1.59	3.8	7.7	9.75	6.51
CFO/Total Liabilities	2.32	1.41	1.84	1.62	1.6	1.6	1.42	1.75	1.68	1.47	1.71	1.47	1.24	1.28	0.5
CFO/CapEx	21.75	8.74	12.79	8.58	13.05	5.58	2.44	5.93	16.9	22.28	25.56	12.65	13.16	15.29	5.62
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

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	2.9	2.46	2.21	2.42	2.82	2.97	3.19	3.42	3.09	2.81	2.65	2.05	- -	- -	- -
Days Sales Outstanding	125.89	148.5	164.84	150.93	129.36	122.74	114.34	106.78	118.02	129.84	137.64	178.41	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,189	1,105	853	963	1,045
- Cash & Cash Equivalents	50	119	83	56	58	64	84	80	138	388	63	78	80	134	133
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	1	1	1	1	1	1	1	1	1	1	1	1	1	- -	- -
+ Total Debt	211	156	369	394	574	922	1,088	1,093	675	278	124	291	602	790	564
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-794	-276	-40	820	501
Total Capital	510	597	827	883	1,090	1,472	1,665	1,714	1,338	996	853	909	1,272	1,504	1,503
Total Debt/Capital (%)	41.38	26.05	44.6	44.58	52.63	62.67	65.39	63.77	50.45	27.94	14.54	32.06	47.33	52.55	37.56
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-0.16	-1.06	-15.17	0.96	1.13
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.78	1.97
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.63	12.9
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.24	15.69
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,195	1,103	852	958	1,044
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-788	-277	-40	815	501
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	57.18	34.95
TTM Sales	157	187	228	232	238	247	267	283	283	296	299	304	216	295	254
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	72	62	84	78	83	91	86	107	102	101	121	103	89	95	39
TTM Free Cash Flow to Firm	69	55	77	69	76	75	51	89	96	97	116	95	82	89	32

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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.26	11.59	10.37	10.79	32.69
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-794	-276	-40	820	501
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	72.43	67.73	46.19	42.33	53.71
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.78	1.97
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.31	12.9	89.4	13.47	6.45
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.82	12.81	88.49	10.99	5.8
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.64	14.28	116.52	15.56	6.8
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.82	11.41	69.27	8.49	4.75
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.63	1.79	1.28	1.35	1.11
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.57	1.78	1.26	1.1	1
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.67	1.98	1.66	1.56	1.17
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.45	1.59	0.99	0.85	0.82
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.88	2.12	1.49	1.56	1.21
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.81	2.11	1.47	1.27	1.09
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.93	2.35	1.94	1.8	1.28
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.67	1.88	1.15	0.98	0.89
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.97	3.61	3.94	3.23	4.09
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.83	3.59	3.9	2.64	3.68
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.07	4	5.14	3.74	4.31
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.53	3.2	3.06	2.04	3.01
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.81	10.62	9.55	10.05	26.71
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.44	10.54	9.45	8.2	24.03
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.05	11.75	12.44	11.61	28.16
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.71	9.39	7.4	6.34	19.69
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.88	11.5	10.26	8.8	29.4
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.52	12.83	13.51	12.47	34.46
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.11	10.25	8.03	6.8	24.1
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.18	1.56
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.02	3.28	2.2
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.57	0.89
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	81.56	76.56	59.61	67.15	72.85
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	83.59	84.75	77.7	77.56	76.81
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-837	-284	-48	642	396
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-764	-157	219	969	558
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-927	-403	-232	464	227

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	11	14	15	15	15	15	15	15	15	15	15	14	14	14	14
Diluted Weighted Avg Shares	11	13	15	15	15	15	15	15	15	15	15	14	14	14	14
Basic Weighted Avg Shares	11	13	14	15	15	15	15	15	15	15	15	14	14	14	14
Revenue per Share	14.3	14.58	15.72	15.8	16.14	16.67	17.86	18.82	18.97	20.13	20.53	21.2	15.12	20.76	17.83
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	3.22	2.44	3.51	3.55	3.97	4.01	3.51	5.47	5.48	5.28	6.13	5.93	0.67	4.98	11.3
Basic EPS from Cont Ops	3.23	2.45	3.52	3.55	3.98	4.01	3.52	5.48	5.49	5.29	6.14	5.94	0.68	4.99	11.3
Diluted EPS, GAAP	3.21	2.44	3.49	3.52	3.93	3.97	3.48	5.44	5.46	5.26	6.09	5.9	0.66	4.97	11.24
Diluted EPS from Cont Ops	3.22	2.45	3.5	3.53	3.94	3.98	3.49	5.45	5.47	5.27	6.1	5.91	0.67	4.97	11.24
Dividend per Share	1.4	1.49	1.55	1.63	1.73	1.8	1.85	1.97	2.06	2.13	2.22	2.34	2.42	2.47	2.53
Cash Flow per Share	6.54	4.83	5.78	5.29	5.62	6.13	5.76	7.13	6.82	6.9	8.32	7.21	6.24	6.68	2.73
Free Cash Flow per Basic Share	6.24	4.27	5.33	4.67	5.19	5.04	3.4	5.93	6.41	6.59	7.99	6.64	5.77	6.24	2.24
Cash & Equivalents per Share	107.83	105.56	97.94	98.4	96.91	99.21	97.24	92.8	96.48	135.83	144.61	115.95	104.56	65.09	77.24
Book Value per Share	26.91	30.71	31.1	32.94	34.57	36.4	37.86	40.68	44.43	48.27	49.92	42.7	46.72	49.76	65.41
Tangible Book Value per Share	22.57	22.96	23.71	25.72	27.57	29.49	31.17	34.12	37.81	41.71	43.33	36.09	40.08	43.15	60.23