PEBK - Peoples Bancorp of North Carol

PEBK

Valuation Ratios

Breakdown	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31
Price to Earnings	10.15	10.78	11.07	10.18	11.81
Price to Sales
Book Value Per Common Share	23.92	21.87	0.02	24.08	24.17
Price to Book	1.31	1.41	1741.18	1.15	0.95
Price to Operating Cash Flow	8.06	7.37	7.88	5.72	14.59
Price to Free Cash Flow	8.29	8.06	9.86	5.82	20.05
Enterprise Value to EBITDA	33789.76	42603.18	61902654.29	58872.55	60925.72

Breakdown	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31
Price to Earnings	43.80	29.74	33.22		34.31	31.40	37.64		28.94	20.65	54.78		45.56		46.54	31.46	32.38
Price to Sales
Book Value Per Common Share	27.38	26.38	25.37	23.92	24.97	22.78	22.19	21.87	19.34	20.10	0.02	0.02	22.18	24.08	25.35	25.12	24.19	24.17
Price to Book	1.12	1.09	1.07	1.31	1.02	1.28	1.25	1.41	1.14	0.90	1557.35	1741.18	1.29	1.15	1.12	1.03	0.98	0.95
Price to Operating Cash Flow	15.34	27.97	24.37		15.60	23.20	39785.71		9563.04	20188.89	21180.00		22076.92		12343.48	32250.00	11.33
Price to Free Cash Flow			27.97				39785.71				22692.86		22076.92				11.57
Enterprise Value to EBITDA	133997.52	116741.69	120546.75		101326.41	116437.62	127553.15		102901.46	93836.47	242371296.41		249384.95		213337.53	186566.77	190580.57

Earnings Data

Breakdown	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Earning YoY	7.32	-2.38	8.49	38.97
Revenue YoY
EBITDA YoY	25.58	35.56	7.02	26.70
Net Profit YoY	5.19			33.25

Breakdown	2025-09-30	2025-06-30	2025-03-31	2024-09-30	2024-06-30	2024-03-31	2023-09-30	2023-06-30	2023-03-31	2022-03-31	2021-09-30	2021-06-30
Earning YoY	-27.84	18.29		-20.43	25.68		-13.64	51.72	-7.94		-25.61	12.33
Revenue YoY
EBITDA YoY	-7.41	9.36	10.14	-0.08	14.89	17.75	9.58	46.50	13.54	30.47	-5.86	11.45
Net Profit YoY	-28.45	18.76	22.08	-19.03	23.81	14.80	-14.16	51.58			-26.54	11.99

Financial Strength

Breakdown	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31
Cash Per Common Share	11.18	15.18	13.06	49.77	27.82
Quick Ratio
Current Ratio
Debt to Equity	11.65	12.52	14.41	10.41	9.11
Long-Term Debt to Equity

Breakdown	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31
Cash Per Common Share	22.04	19.23	19.35	10.86	13.82	15.66	0.02	14.88	0.01	0.02	0.02	0.01	0.06	46.94	0.05	0.05	37.12	27.92
Quick Ratio
Current Ratio
Debt to Equity	10.63	10.76	11.22	11.65	11.19	12.32	12.79	12.52	13.97	13.34	12.96	14.41	12.25	10.41	10.26	10.00	9.98	9.11
Long-Term Debt to Equity

Profitability

Breakdown	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31
ROA	0.99	0.95	-0.99	0.93	0.80
ROE	12.53	12.85	-15.33	10.63	8.12
Gross Margin
Operating Margin
EBITDA Margin
Net Profit Margin

Breakdown	2025-09-30	2025-06-30	2025-03-31	2024-09-30	2024-06-30	2024-03-31	2023-09-30	2023-06-30	2023-03-31	2022-03-31	2021-09-30	2021-06-30	2021-03-31
ROA	0.21	0.30	0.26	0.24	0.30	0.24	0.26	0.30	0.20	-0.21	0.21	0.29	0.27
ROE	2.47	3.58	3.14	2.90	3.93	3.26	3.84	4.28	2.76	-2.75	2.36	3.17	2.94
Gross Margin
Operating Margin
EBITDA Margin
Net Profit Margin

Dividends

Breakdown	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31
Dividend Yield
Dividend Payout Ratio

Breakdown	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31
Dividend Yield
Dividend Payout Ratio

Financial Statements

Breakdown	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31
Assets	1,651,962.00	1,635,910.00	1,620,927.00	1,624,193.00	1,414,855.00
Deposits	2,628,348.00	2,444,976.00	1,958,303.00	1,927,067.00	2,335,900.00
Cash and Short-Term Investments	59,266.00	82,375.00	71,596.00	277,499.00	161,580.00
Cash and Cash Equivalents	59,266.00	82,375.00	71,596.00	277,499.00	161,580.00
Short-Term Investments	0	0	0	0	0
Net Receivables	1,128,409.00	1,082,025.00	0	0	0
Inventory	0	0	0	0	0
Other Current Assets	0	0	0	0	0
Property, Plant, Equipment Net	18,860.00	21,433.00	23,321.00	20,716.00	22,023.00
Goodwill	0	0	0	0	0
Intangible Assets	0	0	0	0	0
Long-Term Investments	0	0	0	0	0
Non-Current Deferred Assets	0	0	0	0	0
Other Non-Current Assets	0	0	0	0	0
Liabilities	1,521,399.00	1,514,894.00	1,515,732.00	1,481,824.00	1,274,956.00
Payables and Expenses	0	0	0	0	0
Account Payables	0	0	0	0	0
Current Accrued Liabilities	0	0	0	0	0
Short-Term Debt	0	0	5,185.00	4,677.00	3,471.00
Other Current Liabilities	0	0	0	0	0
Long-Term Debt	1,128,409.00	1,082,025.00	0	0	0
Other Non-Current Liabilities	0	0	0	0	0
Equity	130,563.00	121,016.00	105,195.00	142,369.00	139,899.00
Shareholders Equity	130,563.00	121,016.00	105,195.00	142,369.00	139,899.00
Capital Stock	48,658.00	50,625.00	52,636.00	850,484.00	56,871.00
Share Premium	0	0	0	0	0
Retained Earnings	121,062.00	109,756.00	100,156.00	88,968.00	77,628.00
Treasury Shares	0	0	0	0	0
Accumulated Other Comprehensive Income	-39,157.00	-39,365.00	-47,597.00	96.00	5,400.00
Minority Interest	0	0	0	0	0
Investments	390,731.00	397,672.00	450,706.00	413,885.00	253,559.00
Debt	15,464.00	15,464.00	20,649.00	20,141.00	18,935.00
Common Shares Outstanding	5,457.65	5,534.50	5,636,830.00	5,912.30	5,787.50

Breakdown	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31
Cost Of Revenue	285.00	1,566.00	0	0	4,259.00
Interest Income	26,654.00	71,862.00	54,431.00	47,290.00	48,219.00
Interest Expense	26,654.00	17,143.00	3,323.00	3,205.00	3,836.00
Net Interest	26,654.00	14,338.00	51,108.00	43,974.00	44,122.00
Non-Interest Income	27,715.00	22,914.00	26,689.00	24,919.00	22,914.00
Non-Interest Expense	-61,150.00	56,144.00	8,295.00	51,127.00	-48,931.00
Provisions for Credit Losses	0	0	0	0	4,259.00
Selling, General and Administrative Expenses	11,793.00	10,428.00	10,656.00	10,220.00	10,300.00
EBT	20,929.00	19,923.00	20,295.00	18,929.00	13,846.00
Income Tax	4,576.00	4,377.00	4,172.00	3,796.00	2,489.00
Net Income Including Non-Controlling Interests	0	0	0	0	11,357.00
Net Income Non-Controlling Interests	0	0	0	0	0.00
Net Income	16,353.00	15,546.00	-16,123.00	15,133.00	11,357.00
EBIT	47,583.00	37,066.00	23,618.00	22,134.00	17,682.00
Deprecation and Amortization	2,890.00	3,126.00	6,031.00	5,569.00	4,183.00
EBITDA	50,473.00	40,192.00	29,649.00	27,703.00	21,865.00
EPS	0.00	0.00	0.00	0.00	0.00
Diluted EPS	0.00	0.00	0.00	0.00	0.00
Average Shares Outstanding Basic	5,300.96	5,424.89	5,480.12	5,576.10	5,808.12
Average Shares Outstanding Diluted	5,482.79	5,610.21	5,661.19	5,748.86	5,822.32

Breakdown	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31
Operating Cash Flow	20,558.00	22,780.00	22,657.00	26,900.00	9,162.00
Operating Net Income	16,353.00	-15,546.00	-16,123.00	-15,133.00	11,357.00
Deprecation and Amortization	2,890.00	3,126.00	6,031.00	5,569.00	4,183.00
Deferred Income Tax	1,031.00	-453.00	-541.00	-283.00	-560.00
Share Based Compensation	212.00	187.00	249.00	181.00	27.00
Change in Working Capital	322.00	655.00	-5,462.00	3,746.00	-2,993.00
Other Operating Activities	-250.00	34,811.00	38,503.00	32,820.00	-2,852.00
Investing Cash Flow	-42,624.00	-753.00	-255,976.00	-106,138.00	-148,972.00
Capital Expenditure	-587.00	-1,948.00	-4,563.00	-484.00	-2,492.00
Net Purchase/Sale of PPE	-587.00	-488.00	-4,563.00	31.00	-2,492.00
Net Purchase/Sale of Investments Net	-14,128.00	42,573.00	7,875.00	9,689.00	62,363.00
Net Purchase/Sale of Business	0	0	0	0	0
Net Loan & Lease Activity	-46,499.00	0	0	-64,380.00	-99,971.00
Other Investing Activities	19,177.00	-40,890.00	-254,725.00	-50,994.00	-106,380.00
Financing Cash Flow	-1,043.00	-11,248.00	27,416.00	195,157.00	249,003.00
Net Issuance/Repayment of Debt	-86,715.00	39,027.00	10,594.00	10,893.00	1,980.00
Net Issuance/Repurchase of Equity	1,998.00	1,997.00	710.00	0	0
Dividends Paid	5,047.00	5,108.00	4,935.00	3,793.00	4,392.00
Other Financing Activities	78,627.00	-57,380.00	11,177.00	180,471.00	242,631.00
Net Change in Cash	-23,109.00	10,779.00	-205,903.00	115,919.00	0
Cash at Beginning of Period	82,375.00	71,596.00	277,499.00	0	0
Cash at End of Period	59,266.00	82,375.00	71,596.00	0	0
Free Cash Flow	19,971.00	20,832.00	18,094.00	26,416.00	6,670.00

Breakdown	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31
Assets	1,738,336.00	1,693,845.00	1,692,985.00	1,651,962.00	1,661,650.00	1,655,398.00	1,669,560.00	1,635,910.00	1,607,264.00	1,611,574.00	1,602,692.00	1,620,927.00	1,662,659.00	1,624,193.00	1,616,251.00	1,599,573.00	1,537,578.00	1,414,855.00
Deposits	2,743,631.00	2,674,500.00	2,686,571.00	2,628,348.00	2,616,885.00	2,602,379.00	2,549,070.00	2,444,976.00	2,458,398.00	1,824,226.00	1,916,143.00	1,958,303.00	2,021,920.00	1,927,067.00	529,118.00	1,904,631.00	2,560,439.00	2,335,900.00
Cash and Short-Term Investments	117,016.00	102,000.00	102,520.00	59,266.00	73,162.00	82,835.00	98,096.00	82,375.00	76,619.00	89,041.00	83,021.00	71,596.00	305,106.00	277,499.00	263,308.00	287,309.00	209,037.00	161,580.00
Cash and Cash Equivalents	117,016.00	102,000.00	102,520.00	59,266.00	73,162.00	82,835.00	98,096.00	82,375.00	76,619.00	89,041.00	83,021.00	71,596.00	305,106.00	277,499.00	263,308.00	287,309.00	209,037.00	161,580.00
Short-Term Investments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Receivables	1,173,236.00	1,148,183.00	1,142,033.00	1,128,409.00	1,113,561.00	1,100,656.00	1,095,823.00	1,082,025.00	1,067,888.00	0	0	0	0	0	18,434.00	19,005.00	19,473.00	0
Inventory	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Current Assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Property, Plant, Equipment Net	18,080.00	18,357.00	18,905.00	18,860.00	19,400.00	20,262.00	20,883.00	21,433.00	21,690.00	21,795.00	23,143.00	23,321.00	21,862.00	20,716.00	16,625.00	17,217.00	21,384.00	22,023.00
Goodwill	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Intangible Assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Long-Term Investments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	1.30	1,300.00	0	0
Non-Current Deferred Assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Non-Current Assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Liabilities	1,588,869.00	1,549,840.00	1,554,477.00	1,521,399.00	1,525,368.00	1,531,086.00	1,548,468.00	1,514,894.00	1,499,912.00	1,499,204.00	1,487,909.00	1,515,732.00	1,537,215.00	1,481,824.00	1,472,709.00	1,454,199.00	1,397,549.00	1,274,956.00
Payables and Expenses	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Account Payables	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Current Accrued Liabilities	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Short-Term Debt	0	0	0	0	0	0	0	0	5,002.00	5,148.00	5,033.00	5,185.00	6,275.00	4,677.00	2,922.00	3,073.00	3,232.00	3,471.00
Other Current Liabilities	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Long-Term Debt	1,173,236.00	1,148,183.00	1,142,033.00	1,128,409.00	1,113,561.00	1,100,656.00	1,095,823.00	1,082,025.00	1,067,888.00	1,047,935.00	0	0	0	0	0	0	0	0
Other Non-Current Liabilities	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Equity	149,467.00	144,005.00	138,508.00	130,563.00	136,282.00	124,312.00	121,092.00	121,016.00	107,352.00	112,370.00	114,783.00	105,195.00	125,444.00	142,369.00	143,542.00	145,374.00	140,029.00	139,899.00
Shareholders Equity	149,467.00	144,005.00	138,508.00	130,563.00	136,282.00	124,312.00	121,092.00	121,016.00	107,352.00	112,370.00	114,783.00	105,195.00	125,444.00	142,369.00	143,542.00	145,374.00	140,029.00	139,899.00
Capital Stock	48,708.00	48,708.00	48,708.00	48,658.00	48,678.00	48,678.00	48,627.00	50,625.00	50,969.00	51,809.00	52,642.00	52,636.00	53,147.00	850,484.00	53,305.00	56,910.00	56,910.00	56,871.00
Share Premium	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Retained Earnings	130,105.00	127,506.00	123,439.00	121,062.00	118,542.00	115,623.00	111,775.00	109,756.00	107,372.00	104,304.00	100,565.00	100,156.00	90,543.00	88,968.00	86,927.00	84,504.00	80,819.00	77,628.00
Treasury Shares	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Accumulated Other Comprehensive Income	-29,346.00	-32,209.00	-33,639.00	-39,157.00	-30,938.00	-39,989.00	-39,310.00	-39,365.00	-50,989.00	-43,743.00	-38,424.00	-47,597.00	-18,246.00	96.00	3,310.00	3,960.00	2,300.00	5,400.00
Minority Interest	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Investments	379,489.00	374,262.00	377,024.00	390,731.00	401,326.00	398,818.00	400,380.00	397,672.00	384,594.00	396,686.00	401,776.00	450,706.00	415,175.00	413,885.00	410,355.00	375,045.00	333,099.00	253,559.00
Debt	15,464.00	15,464.00	15,464.00	15,464.00	15,464.00	15,464.00	15,464.00	15,464.00	15,464.00	20,612.00	20,497.00	20,649.00	21,739.00	20,141.00	15,464.00	18,537.00	18,696.00	18,935.00
Common Shares Outstanding	5,459.44	5,459.44	5,459.44	5,457.65	5,457.65	5,457.65	5,456.00	5,534.50	5,549.80	5,590.80	5,637,021.00	5,636,830.00	5,656.03	5,912.30	5,661.57	5,787.50	5,789.17	5,787.50

Breakdown	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31
Cost Of Revenue	530.00	213.00	268.00	-571.00	297.00	468.00	91.00	405.00	562.00	375.00	224.00	0	0	0	226.00	455.00
Interest Income	6,286.00	6,123.00	6,026.00	6,576.00	6,918.00	6,654.00	6,506.00	32,496.00	4,966.00	17,599.00	16,801.00	11,329.00	11,384.00	11,421.00	12,517.00	11,968.00
Interest Expense	6,286.00	6,123.00	6,026.00	6,576.00	6,918.00	6,654.00	6,506.00	5,886.00	4,966.00	3,828.00	2,463.00	663.00	687.00	861.00	842.00	815.00
Net Interest	6,286.00	6,123.00	6,026.00	6,576.00	6,918.00	6,654.00	6,506.00	-18,737.00	4,966.00	13,771.00	14,338.00	10,666.00	10,632.00	10,560.00	11,675.00	11,107.00
Non-Interest Income	7,127.00	7,693.00	6,529.00	7,061.00	7,095.00	7,521.00	6,038.00	6,126.00	6,774.00	6,403.00	3,611.00	0	13,006.00	0	6,040.00	5,873.00
Non-Interest Expense	-16,924.00	-15,840.00	-14,573.00	-105,813.00	15,016.00	15,131.00	14,516.00	70,399.00	-14,255.00	0	0	0	75,527.00	0	-12,132.00	-12,268.00
Provisions for Credit Losses	0	0	0	0	0	0	0	0	0	0	0	0	0	0	226.00	-455.00
Selling, General and Administrative Expenses	3,939.00	2,862.00	2,788.00	3,032.00	3,224.00	2,835.00	2,702.00	2,628.00	2,611.00	2,587.00	2,602.00	2,454.00	2,587.00	2,672.00	2,528.00	2,433.00
EBT	4,792.00	6,663.00	5,632.00	4,589.00	5,331.00	6,274.00	4,735.00	4,423.00	5,297.00	6,180.00	4,023.00	4,229.00	3,921.00	4,032.00	5,809.00	5,167.00
Income Tax	1,100.00	1,503.00	1,287.00	1,030.00	1,373.00	1,386.00	787.00	984.00	1,170.00	1,372.00	851.00	848.00	732.00	824.00	1,194.00	1,046.00
Net Income Including Non-Controlling Interests	0	0	0	0	0	0	0	0	0	0	177.00	0	0	0	4,615.00	4,121.00
Net Income Non-Controlling Interests	0	0	0	0	0	0	0	0	0	0	2,995.00	0	0	0	0.00	0.00
Net Income	3,692.00	5,160.00	4,345.00	3,559.00	3,958.00	4,888.00	3,948.00	3,439.00	4,127.00	4,808.00	3,172.00	-3,452.00	3,007.00	3,390.00	4,615.00	4,121.00
EBIT	11,078.00	12,786.00	11,658.00	11,165.00	12,249.00	12,928.00	11,241.00	10,309.00	10,263.00	10,008.00	6,486.00	4,892.00	4,608.00	4,893.00	6,651.00	5,982.00
Deprecation and Amortization	1,413.00	705.00	678.00	35.00	1,426.00	758.00	671.00	-193.00	1,599.00	817.00	903.00	1,616.00	380.00	2,640.00	1,351.00	1,198.00
EBITDA	12,491.00	13,491.00	12,336.00	11,200.00	13,675.00	13,686.00	11,912.00	10,116.00	11,862.00	10,825.00	7,389.00	6,508.00	4,988.00	7,533.00	8,002.00	7,180.00
EPS	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Diluted EPS	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Shares Outstanding Basic	5,309.03	5,303.37	5,299.15	-5,308,053.76	5,295.77	5,290.86	5,318,671.00	-16,307,472.44	5,402,048.00	5,451,521.00	5,475,603.00	5,497,107.00	-11,158,503.02	5,544,596.00	5,630,580.00	5,631.41
Average Shares Outstanding Diluted	5,471.62	5,470.21	5,469.64	-5,490,176.16	5,480.96	5,476.35	5,501,150.00	-16,855,001.14	5,587,286.00	5,633,906.00	5,656,250.00	5,673,304.00	-11,503,047.79	5,719,083.00	5,801,160.00	5,800.24

Breakdown	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31
Operating Cash Flow	10,612.00	5,470.00	5,924.00	1,613.00	8,618.00	6,658.00	3,669.00	-2,328.00	12,231.00	4,835.00	8,042.00	7,163.00	-2,104.00	12,631.00	4,628.00	11,745.00
Operating Net Income	8,037.00	5,160.00	4,345.00	7,507.00	17,682.00	-4,888.00	-3,948.00	-30,824.00	7,298.00	4,808.00	3,172.00	-3,452.00	-31,380.00	7,511.00	4,615.00	4,121.00
Deprecation and Amortization	1,413.00	705.00	678.00	35.00	1,426.00	758.00	671.00	-193.00	1,599.00	817.00	903.00	1,616.00	380.00	2,640.00	1,351.00	1,198.00
Deferred Income Tax	311.00	37.00	786.00	1,302.00	-53.00	-10.00	-208.00	24.00	-239.00	-9.00	-229.00	-10.00	-247.00	-18.00	-9.00	-9.00
Share Based Compensation	79.00	0.00	0	120.00	0.00	86.00	6.00	180.00	7.00	0.00	0	56.00	59.00	22.00	144.00	-44.00
Change in Working Capital	-1,103.00	788.00	-1,028.00	-1,812.00	3,015.00	-2,672.00	1,791.00	-1,917.00	976.00	-79.00	1,675.00	133.00	-904.00	2,192.00	362.00	2,096.00
Other Operating Activities	1,875.00	-1,220.00	1,143.00	-5,539.00	-13,452.00	13,384.00	5,357.00	30,402.00	2,590.00	-702.00	2,521.00	8,820.00	29,988.00	284.00	-1,835.00	4,383.00
Investing Cash Flow	-21,240.00	-1,147.00	6,410.00	2,346.00	-65,890.00	37,761.00	-16,841.00	-48,781.00	19,426.00	-6,633.00	35,235.00	-31,196.00	80,501.00	-121,800.00	17,652.00	-82,491.00
Capital Expenditure	0.00	0.00	-763.00	-459.00	0.00	0.00	-128.00	-1,382.00	0.00	0.00	-566.00	-151.00	-241.00	0.00	0.00	-243.00
Net Purchase/Sale of PPE	-10,810.00	9,631.00	2,237.00	-32.00	-340.00	-87.00	-128.00	140.00	-1,135.00	1,073.00	-566.00	-151.00	138.00	232.00	-96.00	-243.00
Net Purchase/Sale of Investments Net	7,064.00	-9,698.00	12,856.00	1,230.00	-4,757.00	-3,928.00	-6,673.00	-2,570.00	45,143.00	0.00	0	6,440.00	2,885.00	1,355.00	4,804.00	645.00
Net Purchase/Sale of Business	0.00	0.00	0	0	0.00	0.00	0	0	0.00	0.00	0	0	0	0.00	0.00	0
Net Loan & Lease Activity	-46,499.00	0	0	-64,380.00	-99,971.00
Other Investing Activities	21,981.00	4,857.00	5,972.00	48,106.00	-60,793.00	41,776.00	-9,912.00	-44,894.00	-24,582.00	-7,744.00	36,330.00	-37,549.00	144,496.00	-125,696.00	15,121.00	-84,915.00
Financing Cash Flow	68,898.00	-4,843.00	30,920.00	-33,576.00	21,480.00	-17,840.00	28,893.00	45,440.00	-32,654.00	7,818.00	-31,852.00	51,640.00	-111,663.00	132,625.00	55,992.00	118,203.00
Net Issuance/Repayment of Debt	0.00	0.00	0	-35,928.00	-118,678.00	40,392.00	27,499.00	11,844.00	-18,301.00	53,637.00	-8,153.00	-2,206.00	-953.00	6,798.00	-667.00	5,715.00
Net Issuance/Repurchase of Equity	0.00	330.00	0	-1,998.00	1,998.00	0.00	1,998.00	324.00	840.00	833.00	0	199.00	0	3,605.00	0.00	0
Dividends Paid	3,061.00	1,093.00	1,968.00	-890.00	2,968.00	1,040.00	1,929.00	-869.00	2,983.00	1,069.00	1,925.00	1,877.00	36.00	1,897.00	930.00	930.00
Other Financing Activities	65,837.00	-6,266.00	28,952.00	5,240.00	135,192.00	-59,272.00	-2,533.00	34,141.00	-18,176.00	-47,721.00	-25,624.00	51,770.00	-107,141.00	120,325.00	55,729.00	111,558.00
Net Change in Cash	58,270.00	-520.00	43,254.00	-29,617.00	6,048.00	-15,261.00	15,721.00	-5,669.00	-997.00	6,020.00	11,425.00	27,607.00	115,919.00	0.00	0.00	0
Cash at Beginning of Period	58,746.00	102,520.00	59,266.00	88,883.00	67,114.00	98,096.00	82,375.00	88,044.00	77,616.00	83,021.00	71,596.00	0	0.00	0	0	0
Cash at End of Period	117,016.00	102,000.00	102,520.00	59,266.00	73,162.00	82,835.00	98,096.00	82,375.00	76,619.00	89,041.00	83,021.00	0	0	0	0	0
Free Cash Flow	0.00	0.00	5,161.00	16,430.00	0.00	0.00	3,541.00	13,356.00	0.00	0.00	7,476.00	7,012.00	14,914.00	0.00	0.00	11,502.00