West Bancorporation Financial Ratios — WB3 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 (%)	12.26	12.41	13.08	15.19	14.86	14.49	13.43	15.45	14.24	15.02	20.5	19.68	11.07	10.62	13.19
Return on Assets (%)	1.19	1.18	1.17	1.31	1.29	1.28	1.16	1.29	1.2	1.16	1.48	1.3	0.65	0.61	0.8
Return on Capital (%)	5.84	6.43	6.69	6.77	6.85	7.81	7.55	7.87	6.85	7.47	11.05	9.72	4.15	3.73	5.16
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	42.45	44.06	45.33	46.29	51.17	51.29	53.04	50.23	47.82	44.99	60.38	58.26	37.66	34.68	43.84
Profit Margin (%)	30.37	30.98	31.62	34.75	35.39	35.83	33.58	40.84	38.38	35.57	47.61	45.51	30.52	30.39	34.46
Net Income to Common Margin (%)	28.59	30.98	31.62	34.75	35.39	35.83	33.58	40.84	38.38	35.57	47.61	45.51	30.52	30.39	34.46
Effective Tax Rate (%)	28.45	29.7	30.23	24.91	30.84	30.15	36.69	18.71	19.73	20.95	21.14	21.88	18.97	12.36	21.39
Dvd Payout Ratio (%)	22.15	39.13	41.41	39.13	45.77	46.92	49.84	44.53	47.33	42.23	31.33	35.82	69.2	69.88	51.95
Sustainable Growth Rate (%)	9.55	7.55	7.67	9.25	8.06	7.69	6.74	8.57	7.5	8.68	14.08	12.63	3.41	3.2	6.34

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	126	115	132	196	146	125	143	212	223	217	197	286	442	393	376
ST Debt	- -	- -	- -	66	19	- -	23	27	- -	- -	- -	- -	- -	- -	- -
LT Debt	126	115	132	130	127	125	120	185	223	217	197	286	442	393	376
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	9.72	9.29	8.57	8.68	8.72	8.92	8.42	8.32	8.56	7.02	7.44	5.84	5.88	5.68	6.42
Long-Term Debt/Equity (%)	101.76	85.08	106.73	92.87	83.46	75.83	67.22	97.03	105.15	97.01	75.67	135.4	196.57	172.3	141.51
Long-Term Debt/Capital (%)	50.44	45.97	51.63	38.7	42.6	43.13	37.33	45.94	51.26	49.24	43.07	57.52	66.28	63.28	58.59
Long-Term Debt/Total Assets (%)	9.89	7.91	9.15	8.06	7.27	6.76	5.66	8.07	9	6.81	5.63	7.91	11.56	9.78	9.09
Total Debt/Equity (%)	101.76	85.08	106.73	139.96	95.93	75.83	80.08	111.18	105.15	97.01	75.67	135.4	196.57	172.3	141.51
Total Debt/Capital (%)	50.44	45.97	51.63	58.33	48.96	43.13	44.47	52.65	51.26	49.24	43.07	57.52	66.28	63.28	58.59
Total Debt/Total Assets (%)	9.89	7.91	9.15	12.14	8.36	6.76	6.75	9.25	9	6.81	5.63	7.91	11.56	9.78	9.09
Net Debt to Equity	72.78	40.19	73.46	120.03	58.31	51.08	60.46	86.91	87.3	62.28	1.6	122.83	167.53	65.45	10.05
Net Debt/Capital (%)	42.12	28.67	42.35	54.55	36.83	33.81	37.68	46.5	46.61	38.38	1.57	55.12	62.62	39.56	9.13
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	9.72	9.29	8.57	8.68	8.72	8.92	8.42	8.32	8.56	7.02	7.44	5.84	5.88	5.68	6.42
Long-Term Debt/Equity (%)	101.76	85.08	106.73	92.87	83.46	75.83	67.22	97.03	105.15	97.01	75.67	135.4	196.57	172.3	141.51
Long-Term Debt/Capital (%)	50.44	45.97	51.63	38.7	42.6	43.13	37.33	45.94	51.26	49.24	43.07	57.52	66.28	63.28	58.59
Long-Term Debt/Total Assets (%)	9.89	7.91	9.15	8.06	7.27	6.76	5.66	8.07	9	6.81	5.63	7.91	11.56	9.78	9.09
Total Debt/Equity (%)	101.76	85.08	106.73	139.96	95.93	75.83	80.08	111.18	105.15	97.01	75.67	135.4	196.57	172.3	141.51
Total Debt/Capital (%)	50.44	45.97	51.63	58.33	48.96	43.13	44.47	52.65	51.26	49.24	43.07	57.52	66.28	63.28	58.59
Total Debt/Total Assets (%)	9.89	7.91	9.15	12.14	8.36	6.76	6.75	9.25	9	6.81	5.63	7.91	11.56	9.78	9.09
CFO/Total Liabilities	2.27	1.85	1.77	1.78	1.95	1.79	1.52	1.65	1.63	1.43	1.79	1.75	0.7	1.05	1.2
CFO/CapEx	26.53	23.47	10.64	4.96	12.47	2.37	27.83	165.45	35.27	18.23	6.62	2.79	0.69	1.52	13.97
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	11	13.19	13.95	13.68	13.48	12.84	10.85	9.32	10.13	10.02	10.36	9.77	6.19	5.99	7.62
Days Sales Outstanding	33.19	27.66	26.17	26.69	27.07	28.43	33.64	39.15	36.05	36.44	35.24	37.37	59	60.9	47.92
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	310	514	424	364	364	374
- Cash & Cash Equivalents	36	60	41	28	57	41	35	46	38	78	193	27	65	243	350
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	126	115	132	196	146	125	143	212	223	217	197	286	442	393	376
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	29	-241	19	117	-31	111
Total Capital	249	249	256	336	299	291	321	403	435	441	457	497	667	621	642
Total Debt/Capital (%)	50.44	45.97	51.63	58.33	48.96	43.13	44.47	52.65	51.26	49.24	43.07	57.52	66.28	63.28	58.59
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.49	-0.82	14.83	3.79	-12.69	3.39
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.31	- -	0.19	1.48	- -	1.18
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.68	- -	0.32	4.63	- -	2.39
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.72	- -	0.51	- -	- -	2.57
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	311	520	428	365	367	375
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	30	-234	24	118	-29	112
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.76	- -	1.16	6.98	- -	6.56
TTM Sales	50	52	53	58	61	64	69	70	75	92	104	102	79	79	94
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	26	24	23	26	31	30	29	35	37	42	58	59	25	40	46
TTM Free Cash Flow to Firm	25	23	21	21	29	17	28	35	36	40	49	38	-11	14	43

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	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.79	10.59	11.24	-32.73	26.82	8.68
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	29	-241	19	117	-31	111
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.99	18.96	20.37	15.08	15.54	14.41
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.31	- -	0.19	1.48	- -	1.18
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.48	10.35	9.13	15.1	15.14	11.5
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.85	9.12	9.04	12.93	13.11	10.44
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.78	11.32	11.57	17.68	16.93	12.35
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.04	6.32	7.3	10.47	10.87	7.5
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.39	1.97	2.01	1.62	1.6	1.41
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.29	1.74	1.99	1.38	1.38	1.28
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.72	2.16	2.54	1.89	1.79	1.51
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.03	1.21	1.61	1.12	1.15	0.92
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.39	1.97	2.01	1.62	1.6	1.41
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.29	1.74	1.99	1.38	1.38	1.28
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.72	2.16	2.54	1.89	1.79	1.51
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.03	1.21	1.61	1.12	1.15	0.92
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.37	4.93	4.16	4.61	4.6	3.96
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.15	4.34	4.11	3.94	3.98	3.6
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.19	5.39	5.26	5.39	5.14	4.26
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.51	3.01	3.32	3.19	3.3	2.59
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.34	8.87	7.13	14.44	9.15	8.06
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.84	7.82	7.05	12.36	7.92	7.32
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.11	9.7	9.03	16.9	10.23	8.65
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.45	5.42	5.7	10.01	6.57	5.26
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.26	9.33	11.12	-28.01	23.22	7.88
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.67	11.58	14.23	-38.31	29.98	9.32
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.78	6.47	8.98	-22.69	19.25	5.66
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.09	- -	0.14	0.81	- -	0.81
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.13	- -	1.3	2.26	0.15	1.47
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.07	- -	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	18.84	31.04	25.48	21.75	21.65	22.09
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	23.4	33.96	32.27	25.45	24.2	23.72
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	8	-302	15	64	-80	77
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	104	-192	132	179	12	139
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	-51	-441	-66	5	-134	-19

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	17	17	16	16	16	16	16	16	16	16	17	17	17	17	17
Diluted Weighted Avg Shares	17	17	17	16	16	16	16	16	16	17	17	17	17	17	17
Basic Weighted Avg Shares	17	17	17	16	16	16	16	16	16	16	17	17	17	17	17
Revenue per Share	2.89	2.97	3.23	3.63	3.84	3.96	4.26	4.28	4.56	5.58	6.3	6.13	4.72	4.71	5.57
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.83	0.92	1.02	1.26	1.36	1.42	1.43	1.75	1.75	1.99	3	2.79	1.44	1.43	1.92
Basic EPS from Cont Ops	0.88	0.92	1.02	1.26	1.36	1.42	1.43	1.75	1.75	1.99	3	2.79	1.44	1.43	1.92
Diluted EPS, GAAP	0.83	0.92	1.02	1.25	1.36	1.42	1.41	1.75	1.74	1.98	2.96	2.76	1.44	1.42	1.92
Diluted EPS from Cont Ops	0.88	0.92	1.02	1.25	1.36	1.42	1.41	1.75	1.74	1.98	2.96	2.76	1.44	1.42	1.92
Dividend per Share	0.23	0.36	0.42	0.49	0.62	0.67	0.71	0.78	0.83	0.84	0.94	1	1	1	1
Cash Flow per Share	1.5	1.4	1.41	1.65	1.95	1.87	1.82	2.13	2.26	2.57	3.5	3.57	1.51	2.37	2.74
Free Cash Flow per Basic Share	1.44	1.34	1.28	1.32	1.79	1.08	1.75	2.12	2.19	2.43	2.97	2.29	-0.66	0.81	2.54
Cash & Equivalents per Share	18.32	20.27	24.18	18.77	23.53	18.69	29.55	30.69	26.64	30.25	57.48	41.5	41.21	46.82	37.75
Book Value per Share	7.09	7.73	7.74	8.75	9.49	10.25	10.98	11.72	12.93	13.58	15.73	12.69	13.46	13.54	15.7
Tangible Book Value per Share	7.09	7.73	7.74	8.75	9.49	10.25	10.98	11.72	12.93	13.58	15.73	12.69	13.46	13.54	15.7