Private Bancorp of America, Inc. Financial Ratios — PBAM

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 (%)	3.91	4.74	8.48	5.25	10.02	8.2	5.13	5.21	-0.49	11.14	18.35	17.92	23.99	17.13	16.53
Return on Assets (%)	0.76	0.77	1.28	0.68	1.12	0.86	0.56	0.54	-0.04	0.91	1.48	1.47	2.04	1.57	1.64
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	6.3	2.86	4.33	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	0.87	1.87	37.49	29.84	42.59	1.17	1.34	1.54	1.51	1.45	1.31	1.07	0.92	0.82	0.88
Operating Margin (%)	- -	- -	35.93	28.4	41.5	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	39.78	- -	82.29	-2.54	82.05	12,088.23	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	30.11	27.19	35.93	28.4	41.5	34.68	33.81	18.5	-1.31	28.3	42.58	40.93	60.29	47.57	46.21
Profit Margin (%)	17.73	18.06	25.4	16.5	24.35	21.43	14.62	13.08	-0.96	19.66	29.99	28.95	42.9	33.51	32.49
Net Income to Common Margin (%)	17.73	18.06	25.4	16.5	24.35	21.43	14.62	13.08	-0.96	19.66	29.99	28.95	42.9	33.51	32.49
Effective Tax Rate (%)	41.13	33.56	29.3	41.91	41.32	38.22	56.76	29.28	- -	30.52	29.58	29.29	28.84	29.55	29.68
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	3.91	4.74	8.48	5.25	10.02	8.2	5.13	5.21	-0.49	11.14	18.35	17.92	23.99	17.13	16.53

Credit (USD)

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	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	10	10	12	64	60	76	58	63	108	93	28	18	122	46	29
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	47	20	3
LT Debt	10	10	12	64	60	76	58	63	108	93	28	18	75	26	26
Total Debt/EBITDA	278.2	77.34	2.57	14.13	7	322.29	183.83	129.04	160.71	115.37	30.51	19.62	139.07	52.42	26.2
Net Debt/EBITDA	-829.07	-245.82	-12.01	1.02	0.27	17.74	-151.24	34.98	-5.12	-234.67	-138.53	-129.63	-68.57	-139.22	-117.9
Total Debt/EBIT	- -	- -	2.68	14.85	7.19	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	-12.53	1.07	0.27	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	16.05	16.36	14.41	11.68	10.78	10.36	11.48	9.65	8.64	7.78	8.29	8.09	8.86	9.39	10.43
Long-Term Debt/Equity (%)	36.57	34.77	24.36	125.26	118.02	129.06	72.81	75.29	112.81	86.25	21.77	12.53	40.35	11.62	9.84
Long-Term Debt/Capital (%)	27.93	26.98	20.25	56.62	55.25	57.31	42.89	43.49	53.97	47.32	18.18	10.69	23.98	9.49	8.85
Long-Term Debt/Total Assets (%)	6.22	6.05	3.66	15.24	13.3	13.91	8.63	7.43	10.13	6.99	1.84	0.97	3.48	1.07	1.02
Total Debt/Equity (%)	36.57	34.77	24.36	125.26	118.02	129.06	72.81	75.29	112.81	86.25	21.77	12.53	65.65	20.56	10.98
Total Debt/Capital (%)	27.93	26.98	20.25	56.62	55.25	57.31	42.89	43.49	53.97	47.32	18.18	10.69	39.02	16.8	9.88
Total Debt/Total Assets (%)	6.22	6.05	3.66	15.24	13.3	13.91	8.63	7.43	10.13	6.99	1.84	0.97	5.67	1.9	1.14
Net Debt to Equity	-108.97	-110.52	-113.98	9.02	4.48	7.1	-59.9	20.41	-3.59	-175.44	-98.86	-82.76	-32.37	-54.62	-49.4
Net Debt/Capital (%)	745.82	672.56	631.8	8.59	4.48	6.88	-161.71	17.26	-3.88	220.89	11,269.8	-377.5	-46.09	-115.69	-97.27
EBITDA	- -	- -	5	5	9	- -	- -	- -	1	1	1	1	1	1	1
EBITDA-CapEx	- -	- -	4	4	8	- -	-1	-1	-1	1	- -	1	- -	-1	- -
Operating Income (Loss)	- -	- -	4	4	8	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	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	16.05	16.36	14.41	11.68	10.78	10.36	11.48	9.65	8.64	7.78	8.29	8.09	8.86	9.39	10.43
Long-Term Debt/Equity (%)	36.57	34.77	24.36	125.26	118.02	129.06	72.81	75.29	112.81	86.25	21.77	12.53	40.35	11.62	9.84
Long-Term Debt/Capital (%)	27.93	26.98	20.25	56.62	55.25	57.31	42.89	43.49	53.97	47.32	18.18	10.69	23.98	9.49	8.85
Long-Term Debt/Total Assets (%)	6.22	6.05	3.66	15.24	13.3	13.91	8.63	7.43	10.13	6.99	1.84	0.97	3.48	1.07	1.02
Total Debt/Equity (%)	36.57	34.77	24.36	125.26	118.02	129.06	72.81	75.29	112.81	86.25	21.77	12.53	65.65	20.56	10.98
Total Debt/Capital (%)	27.93	26.98	20.25	56.62	55.25	57.31	42.89	43.49	53.97	47.32	18.18	10.69	39.02	16.8	9.88
Total Debt/Total Assets (%)	6.22	6.05	3.66	15.24	13.3	13.91	8.63	7.43	10.13	6.99	1.84	0.97	5.67	1.9	1.14
CFO/Total Liabilities	1.66	1.49	0.88	1.19	1.64	1.14	1.16	0.9	2.63	3.89	0.58	2.41	1.7	1.71	2.08
CFO/CapEx	- -	44.15	11.13	14.51	23.15	30.56	7.47	5.22	15.8	164.23	14.31	113.1	40.15	24.97	30.37
Altman's Z-Score	0.02	0.15	0.19	0.18	0.24	0.17	0.2	0.17	0.14	0.13	0.16	0.17	0.18	0.22	0.24

Working Capital (USD)

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	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	8.71	6.19	6.07	5.62	7.16	6.58	6.62	7.24	4.45	4	8.82	19.75	14.89	13.8	15.38
Days Sales Outstanding	41.89	58.98	60.17	64.91	51.01	55.48	55.13	50.42	82.04	91.15	41.38	18.48	24.51	26.45	23.73
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)

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	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	- -	24	43	57	65	77	120	114	117	102	149	180	198	329	330
- Cash & Cash Equivalents	40	42	67	60	58	72	106	46	111	282	155	137	182	168	159
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	10	10	12	64	60	76	58	63	108	93	28	18	122	46	29
Enterprise Value	-30	-8	-27	44	38	54	10	33	62	-113	-80	-43	35	62	-5
Total Capital	36	37	58	114	109	132	135	145	200	196	154	168	313	274	293
Total Debt/Capital (%)	27.93	26.98	20.25	56.62	55.25	57.31	42.89	43.49	53.97	47.32	18.18	10.69	39.02	16.8	9.88
Total Debt / EV	-0.34	-1.25	-0.44	1.46	1.58	1.41	5.59	1.91	1.74	-0.82	-0.35	-0.41	3.48	0.75	-5.94
EV/Sales	- -	- -	- -	2.89	1.88	2.66	0.44	1.04	1.39	- -	- -	- -	0.37	0.58	- -
EV/EBITDA	- -	- -	- -	9.69	4.43	227.86	32.87	67.67	92.56	- -	- -	- -	39.92	70.32	- -
EV/EBIT	- -	- -	- -	10.18	4.54	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	9.98	5.79	9.69	1.5	4.78	2.44	- -	- -	- -	1.04	1.63	- -
EV/Free Cash Flow to Firm	- -	- -	- -	9.33	5.55	9.38	1.32	4.01	2.29	- -	- -	- -	1.02	1.57	- -
Diluted Market Cap	- -	24	44	59	67	79	122	117	117	102	151	183	200	334	335
Diluted Enterprise Value	-30	-8	-12	64	70	83	75	134	113	-87	24	64	140	212	205
EV per Share	- -	- -	- -	10.89	9.34	13.42	2.2	6.64	11.84	- -	- -	- -	6.2	10.82	- -
TTM Sales	4	7	12	15	20	20	23	32	45	55	70	85	95	107	125
TTM EBITDA	- -	- -	5	5	9	- -	- -	- -	1	1	1	1	1	1	1
TTM Operating Income	- -	- -	4	4	8	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	2	2	2	4	7	6	7	7	25	48	8	41	34	38	47
TTM Free Cash Flow to Firm	2	2	3	5	7	6	8	8	27	48	9	42	34	39	49

Multiples (USD)

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	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	- -	11.47	16.49	12.46	9.78	13.8	15.65	14.2	4.31	2.14	17.63	4.41	5.81	8.51	6.87
EV/EBIT	- -	- -	- -	10.18	4.54	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-30	-8	-27	44	38	54	10	33	62	-113	-80	-43	35	62	-5
Low Price	- -	8.1	9.03	11.69	14.01	15.55	19.07	22.66	20.15	11.91	18.01	26.55	23.55	32.37	50.6
EV/Sales	- -	- -	- -	2.89	1.88	2.66	0.44	1.04	1.39	- -	- -	- -	0.37	0.58	- -
EV/EBITDA	- -	- -	- -	9.69	4.43	227.86	32.87	67.67	92.56	- -	- -	- -	39.92	70.32	- -
Price/Earnings	- -	19.02	13.81	22.7	13.18	17.92	34.91	27.59	- -	9.33	7.09	7.28	4.84	9.18	8.12
Price/Earnings Average	- -	19.27	12.36	20.68	12.43	15.19	31.38	30.65	-275.89	7.63	6.34	6.78	4.27	6.53	8
Price/Earnings High	- -	21.3	13.81	23.08	13.93	17.92	34.91	32.52	-293.99	11.35	7.24	7.87	4.84	9.26	8.68
Price/Earnings Low	- -	16.84	10.67	18.82	11.61	14.38	26.16	27.24	-246.83	6.01	4.74	5.97	3.26	5.15	7.14
Price/Book Value	- -	0.88	0.93	1.16	1.33	1.37	1.55	1.4	1.27	0.98	1.19	1.2	1.04	1.45	1.25
Price/Book Value Average	- -	0.89	0.83	1.06	1.25	1.16	1.39	1.55	1.28	0.8	1.06	1.12	0.92	1.03	1.23
Price/Book Value High	- -	0.99	0.93	1.18	1.4	1.37	1.55	1.65	1.37	1.19	1.21	1.3	1.04	1.46	1.33
Price/Book Value Low	- -	0.78	0.72	0.96	1.17	1.1	1.16	1.38	1.15	0.63	0.79	0.98	0.7	0.81	1.1
Price/Tangible Book Value	- -	0.83	0.89	1.11	1.27	1.32	1.5	1.37	1.22	0.94	1.16	1.26	1.06	1.47	1.25
Price/Tangible Book Value Average	- -	0.84	0.79	1.01	1.2	1.12	1.35	1.52	1.24	0.77	1.04	1.17	0.94	1.05	1.23
Price/Tangible Book Value High	- -	0.93	0.89	1.13	1.34	1.32	1.5	1.61	1.32	1.15	1.19	1.36	1.06	1.48	1.34
Price/Tangible Book Value Low	- -	0.73	0.69	0.92	1.12	1.06	1.13	1.35	1.11	0.61	0.78	1.03	0.72	0.83	1.1
Price/Sales	- -	3.44	3.51	3.74	3.21	3.84	5.1	3.61	2.62	1.84	2.13	2.11	2.08	3.08	2.64
Price/Sales Average	- -	3.48	3.14	3.41	3.03	3.25	4.59	4.01	2.65	1.5	1.9	1.96	1.83	2.19	2.6
Price/Sales High	- -	3.85	3.51	3.81	3.39	3.84	5.1	4.25	2.83	2.23	2.17	2.28	2.08	3.1	2.82
Price/Sales Low	- -	3.04	2.71	3.1	2.83	3.08	3.82	3.56	2.37	1.18	1.42	1.73	1.4	1.73	2.32
Price/Cash Flow	- -	11.73	17.75	12.92	9.85	13.99	17.35	16.54	4.58	2.14	18.59	4.37	5.9	8.72	6.99
Price/Cash Flow Average	- -	11.89	15.89	11.77	9.29	11.85	15.59	18.37	4.64	1.75	16.62	4.07	5.21	6.2	6.89
Price/Cash Flow High	- -	13.14	17.75	13.14	10.41	13.99	17.35	19.49	4.94	2.6	18.98	4.72	5.9	8.79	7.48
Price/Cash Flow Low	- -	10.39	13.71	10.71	8.68	11.22	13	16.33	4.15	1.38	12.42	3.58	3.97	4.89	6.15
Price/Free Cash Flow Average	- -	11.62	14.76	11.35	9.22	11.69	14.07	15.78	4.36	1.75	15.76	4.1	5.13	6.05	6.77
Price/Free Cash Flow High	- -	12.85	16.49	12.67	10.33	13.8	15.65	16.74	4.65	2.6	18	4.76	5.81	8.58	7.35
Price/Free Cash Flow Low	- -	10.16	12.74	10.33	8.62	11.07	11.73	14.03	3.9	1.38	11.78	3.61	3.91	4.77	6.05
EV/Sales Average	- -	- -	- -	3.72	3.14	3.46	2.55	4.55	2.57	- -	0.09	0.57	1.2	1.05	1.56
EV/Sales High	- -	- -	- -	4.11	3.5	4.05	3.07	4.79	2.75	- -	0.36	0.89	1.44	1.96	1.78
EV/Sales Low	- -	- -	- -	3.41	2.94	3.29	1.79	4.1	2.3	- -	- -	0.34	0.76	0.58	1.28
EV/EBITDA Average	-829.07	-59.25	-3.63	12.45	7.37	296.51	189.97	295	170.89	-131.47	7.06	53.44	130.41	127.4	176.13
EV/EBITDA High	-829.07	-39.51	-2.65	13.78	8.23	346.72	228.37	310.85	182.44	-81.21	27.73	82.86	156.79	239.11	201.17
EV/EBITDA Low	-829.07	-82.78	-4.78	11.42	6.91	281.7	133.2	266.08	152.35	-153.44	-29.69	31.56	83.06	71.09	144.62
EV/EBIT Average	- -	- -	-3.79	13.08	7.57	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	-2.77	14.48	8.45	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	-4.99	12	7.09	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	9.15	11.69	14.1	15.9	19.38	25.45	22.95	22.25	18.5	26.95	32.39	35	57.74	57.53
High Price	- -	10.25	11.69	14.34	16.8	19.38	25.45	27.05	24	22.5	27.51	35	35	58.23	61.5
Enterprise Value Average	-30	-8	-17	57	64	70	60	144	115	-106	6	49	114	112	195
Enterprise Value High	-30	-5	-12	63	71	82	72	152	123	-65	25	76	138	210	222
Enterprise Value Low	-30	-11	-22	52	60	66	42	130	102	-124	-27	29	73	62	160

Shares Outstanding	- -	3	4	4	4	4	5	5	6	6	6	6	6	6	6
Diluted Weighted Avg Shares	2	3	4	4	4	4	5	5	5	6	6	6	6	6	6
Basic Weighted Avg Shares	2	3	4	4	4	4	5	5	5	5	6	6	6	6	6
Revenue per Share	1.91	2.66	3.33	3.77	4.95	5.05	4.99	6.36	8.49	10.08	12.67	15.37	16.87	18.76	21.81
EBITDA per Share	0.02	0.05	1.25	1.12	2.11	0.06	0.07	0.1	0.13	0.15	0.17	0.16	0.16	0.15	0.19
Operating Income per Share	- -	- -	1.2	1.07	2.06	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.34	0.48	0.85	0.62	1.21	1.08	0.73	0.83	-0.08	1.98	3.8	4.45	7.23	6.29	7.09
Basic EPS from Cont Ops	0.34	0.48	0.85	0.62	1.21	1.08	0.73	0.83	-0.08	1.98	3.8	4.45	7.23	6.29	7.09
Diluted EPS, GAAP	0.34	0.48	0.84	0.6	1.17	1.06	0.71	0.81	-0.08	1.97	3.74	4.37	7.16	6.2	6.98
Diluted EPS from Cont Ops	0.34	0.48	0.84	0.6	1.17	1.06	0.71	0.81	-0.08	1.97	3.74	4.37	7.16	6.2	6.98
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	1.02	0.78	0.66	1.09	1.61	1.39	1.47	1.39	4.86	8.65	1.45	7.41	5.94	6.62	8.22
Free Cash Flow per Basic Share	1.02	0.76	0.6	1.02	1.54	1.34	1.27	1.12	4.55	8.6	1.35	7.35	5.79	6.36	7.95
Cash & Equivalents per Share	18.33	16.06	22.12	19.09	21.34	24.94	35.57	28.97	30.97	56.07	46.41	43.42	50.4	54.98	63.43
Book Value per Share	11.88	10.4	12.63	12.17	11.97	14.14	16.41	16.44	17.54	18.83	22.72	27.01	33.75	39.95	46.09
Tangible Book Value per Share	12.59	11.05	13.16	12.68	12.52	14.71	16.93	16.8	18.23	19.61	23.19	25.8	32.9	39.23	46

Private Bancorp of America, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)