Financial Ratios Bank of America Corporation

Equities

BAC

US0605051046

Banks

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Published financial data: BANK OF AMERICA CORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	51.58B	47.67B	72.56B	130B	147B
Interest Income On Investments	-	-	-	-	-
Interest Income, Total	51.58B	47.67B	72.56B	130B	147B
Interest On Deposits	8.22B	4.74B	20.1B	73.33B	90.55B
Total Interest On Borrowings	-	-	-	-	-
Interest Expense, Total	8.22B	4.74B	20.1B	73.33B	90.55B
Net Interest Income	43.36B	42.93B	52.46B	56.93B	56.06B
Service Charges On Deposits	-	-	-	-	-
Trust Income	-	-	-	-	-
Credit Card Fee	-	-	-	-	-
Total Mortgage Banking Activities	-	-	-	-	-
Income From Trading Activities	-	-	-	-	-
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-589M	-1.08B	-1.17B	-1.9B	-4.63B
Income (Loss) on Equity Invest. (Income Block)	-	-	-	-	-
Total Other Non Interest Income	42.76B	47.26B	43.66B	45.16B	50.46B
Non Interest Income, Total	42.17B	46.18B	42.49B	43.25B	45.83B
Revenues Before Provison For Loan Losses	85.53B	89.11B	94.95B	100B	102B
Provision For Loan Losses	11.32B	-4.59B	2.54B	4.39B	5.82B
Total Revenues	74.21B	93.71B	92.41B	95.79B	96.07B
Salaries And Other Employee Benefits	30.62B	33.14B	33.55B	35.23B	36.58B
Amort. of Goodwill & Intang. Assets	-	-	-	-	-
Occupancy Expense	4.52B	4.65B	4.6B	4.72B	4.85B
Selling General & Admin Expenses, Total	13.34B	14.97B	15.62B	16.33B	17.9B
Total Other Non Interest Expense	6.73B	6.97B	7.67B	7.46B	7.48B
Non Interest Expense, Total	55.21B	59.73B	61.44B	63.74B	66.81B
EBT, Excl. Unusual Items	19B	33.98B	30.97B	32.04B	29.25B
Legal Settlements	-	-	-	-	-
Other Unusual Items	-	-	-	-3.7B	-
EBT, Incl. Unusual Items	19B	33.98B	30.97B	28.34B	29.25B
Income Tax Expense	1.1B	2B	3.44B	1.83B	2.12B
Earnings From Continuing Operations	17.89B	31.98B	27.53B	26.52B	27.13B
Net Income to Company	17.89B	31.98B	27.53B	26.52B	27.13B
Net Income - (IS)	17.89B	31.98B	27.53B	26.52B	27.13B
Preferred Dividend and Other Adjustments	1.42B	1.42B	1.51B	1.65B	1.63B
Net Income to Common Incl Extra Items	16.47B	30.56B	26.02B	24.87B	25.5B
Net Income to Common Excl. Extra Items	16.47B	30.56B	26.02B	24.87B	25.5B
Per Share Items
Net EPS - Basic	1.88	3.6	3.21	3.1	3.25
Basic EPS - Continuing Operations	1.88	3.6	3.21	3.1	3.25
Basic Weighted Average Shares Outstanding	8.75B	8.49B	8.11B	8.03B	7.86B
Net EPS - Diluted	1.87	3.57	3.19	3.08	3.21
Diluted EPS - Continuing Operations	1.87	3.57	3.19	3.08	3.21
Diluted Weighted Average Shares Outstanding	8.8B	8.56B	8.17B	8.08B	7.94B
Normalized Basic EPS	1.36	2.5	2.39	2.49	2.33
Normalized Diluted EPS	1.35	2.48	2.37	2.48	2.3
Dividend Per Share	0.72	0.78	0.86	0.92	1
Payout Ratio	43.18	25.19	31.15	34.27	35.02
American Depositary Receipts Ratio (ADR)	0.25	0.25	0.25	0.25	0.25
Supplemental Items
Effective Tax Rate - (Ratio)	5.8	5.88	11.11	6.45	7.25
Current Domestic Taxes	2.17B	1.85B	1.55B	1.92B	1.79B
Current Foreign Taxes	670M	985M	1.16B	1.92B	2.06B
Total Current Taxes	2.84B	2.84B	2.7B	3.84B	3.86B
Deferred Domestic Taxes	-1.03B	1.45B	364M	-2.29B	-2.13B
Deferred Foreign Taxes	-705M	-2.29B	375M	283M	399M
Total Deferred Taxes	-1.74B	-838M	739M	-2.01B	-1.73B
Normalized Net Income	11.87B	21.24B	19.36B	20.03B	18.28B
Non-Cash Pension Expense	-412M	-486M	-538M	-418M	-427M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	2.1B	3B	2.9B	3.1B	3.6B
Total Stock-Based Compensation	2.1B	3B	2.9B	3.1B	3.6B

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	373B	342B	223B	327B	284B
Investment Securities, Total	922B	1,183B	1,120B	1,140B	1,122B
Trading Asset Securities, Total	155B	179B	229B	186B	185B
Mortgage Backed Securities	85.38B	70.49B	32.82B	51.45B	76.66B
Total investments	1,162B	1,433B	1,382B	1,377B	1,384B
Gross Loans	928B	979B	1,046B	1,054B	1,096B
Allowance For Loan Losses	-18.8B	-12.39B	-12.68B	-13.34B	-13.24B
Net Loans	909B	967B	1,033B	1,040B	1,083B
Net Property Plant And Equipment	21B	21.07B	21.26B	21B	20.7B
Goodwill	68.95B	69.02B	69.02B	69.02B	69.02B
Other Intangibles, Total	-	-	-	-	-
Loans Held For Sale	9.24B	15.64B	6.87B	6B	9.54B
Accrued Interest Receivable	-	2.2B	3.8B	4.5B	4.3B
Other Receivables	64.22B	70.06B	63.74B	77.38B	77.95B
Restricted Cash	7B	5.9B	7.6B	5.6B	6.1B
Other Current Assets, Total	91.51B	103B	116B	131B	170B
Deferred Tax Assets Long-Term (Collected)	7.45B	9.15B	13.34B	-	-
Other Real Estate Owned And Foreclosed	164M	130M	170M	145M	145M
Other Long-Term Assets, Total	105B	131B	112B	121B	153B
Total Assets	2,820B	3,169B	3,051B	3,180B	3,262B
Liabilities
Accrued Expenses, Total	144B	171B	200B	183B	186B
Interest Bearing Deposits	1,091B	1,253B	1,269B	1,377B	1,442B
Institutional Deposits	36.52B	-	-	-	-
Non-Interest Bearing Deposits	668B	812B	661B	547B	524B
Total Deposits	1,795B	2,064B	1,930B	1,924B	1,965B
Short-Term Borrowings	251B	265B	276B	369B	425B
Current Portion of Long-Term Debt	20.35B	11.9B	16.29B	26.74B	25.67B
Current Portion of Leases	1.93B	1.92B	2B	1.95B	1.77B
Long-Term Debt	242B	267B	259B	275B	257B
Federal Home Loan Bank Debt - Long-Term	97M	88M	81M	76M	58M
Long-Term Leases	8.55B	8.94B	8.36B	7.84B	7.36B
Trust Preferred Securities (BS)	739M	742M	744M	745M	750M
Other Current Liabilities - (Bank / Utility Template)	71.32B	101B	80.4B	95.53B	92.54B
Unearned Revenue Non Current	-	-	-	-	-
Pension & Other Post Retirement Benefits	2.58B	2.39B	1.7B	1.7B	1.63B
Other Non Current Liabilities	8.54B	4.31B	3.91B	3.16B	2.67B
Total Liabilities	2,547B	2,899B	2,778B	2,889B	2,966B
Preferred Stock Redeemable	24.51B	24.71B	28.4B	28.4B	23.16B
Total Preferred Equity	24.51B	24.71B	28.4B	28.4B	23.16B
Common Stock, Total	85.98B	62.4B	58.95B	56.36B	45.34B
Retained Earnings	164B	188B	207B	225B	242B
Comprehensive Income and Other	-1.66B	-5.1B	-21.16B	-17.79B	-15.28B
Total Common Equity	248B	245B	245B	263B	272B
Total Equity	273B	270B	273B	292B	296B
Total Liabilities And Equity	2,820B	3,169B	3,051B	3,180B	3,262B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	8.63B	8.07B	8B	7.87B	7.6B
ECS Total Common Shares Outstanding	8.65B	8.08B	8B	7.9B	7.61B
Book Value / Share	28.72	30.37	30.61	33.34	35.79
Tangible Book Value	179B	176B	176B	194B	203B
Tangible Book Value Per Share	20.75	21.83	21.98	24.6	26.72
Tangible Book Value Per Share (As Reported)	20.6	21.68	21.83	24.46	26.58
Average Assets	2,683B	3,035B	3,136B	3,154B	3,284B
Average Loans	982B	920B	1,017B	1,046B	1,060B
Total Debt	525B	556B	562B	681B	717B
Deposits at Interest - Cash	344B	319B	200B	305B	264B
Federal Funds Sold	-	-	-	-	-
Debt Equivalent of Unfunded Proj. Benefit Obligation	-4.87B	-6.15B	-5.43B	-5.42B	-6.1B
Net Debt	-312B	-222B	-164B	-120B	-31.43B
Equity Method Investments, Total	11.2B	12.6B	14.1B	30B	-
Full Time Employees	213K	208K	217K	213K	213K
Number Of Offices	4.31K	4.17K	3.91K	3.84K	3.7K

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	17.89B	31.98B	27.53B	26.52B	27.13B
Depreciation, Depletion & Amortization	1.75B	1.82B	1.9B	1.98B	2.11B
Amortization of Goodwill and Intangible Assets - (CF)	95M	76M	78M	78M	78M
Total Depreciation, Depletion & Amortization	1.84B	1.9B	1.98B	2.06B	2.19B
(Gain) Loss on Sale of Investments - (CF)	3.69B	5.82B	2.04B	8M	-301M
Provision for Credit Losses	11.32B	-4.59B	2.54B	4.39B	5.82B
Stock-Based Compensation (CF)	2.03B	2.77B	2.86B	2.94B	3.43B
Net (Increase) Decrease in Loans Originated / Sold - Operating	-608M	-8.95B	6.7B	641M	-4.32B
Change in Other Net Operating Assets (Collected)	-326M	-39.92B	-51.94B	2.73B	-48.55B
Other Operating Activities	2.15B	3.81B	1.96B	5.7B	5.79B
Cash from Operations	37.99B	-7.19B	-6.33B	44.98B	-8.8B
Investment in Marketable and Equity Securities, Total	-189B	-310B	83.99B	-5.32B	-46.48B
Net (Increase) Decrease in Loans Originated / Sold - Investing	44.69B	-52.81B	-65.05B	-11.75B	-48.48B
Other Investing Activities, Total	-32.95B	49.86B	-21.47B	-18.31B	4.27B
Cash from Investing	-178B	-313B	-2.53B	-35.39B	-90.69B
Short Term Debt Issued, Total	-	26.44B	6.48B	93.41B	60.44B
Long-Term Debt Issued, Total	62.23B	76.68B	65.91B	65.4B	56.68B
Total Debt Issued	62.23B	103B	72.4B	159B	117B
Short Term Debt Repaid, Total	-4.89B	-	-	-	-
Long-Term Debt Repaid, Total	-47.95B	-46.83B	-34.06B	-44.57B	-70.41B
Total Debt Repaid	-52.84B	-46.83B	-34.06B	-44.57B	-70.41B
Repurchase of Common Stock	-7.02B	-25.13B	-5.07B	-4.58B	-13.1B
Issuance of Preferred Stock	2.18B	2.17B	4.43B	-	-
Repurchase of Preferred Stock	-1.07B	-1.97B	-654M	-	-5.25B
Common Dividends Paid	-	-	-	-	-
Preferred Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-7.73B	-8.06B	-8.58B	-9.09B	-9.5B
Common & Preferred Stock Dividends Paid	-7.73B	-8.06B	-8.58B	-9.09B	-9.5B
Net Increase (Decrease) in Deposit Accounts - (CF)	361B	269B	-134B	-6.51B	41.64B
Other Financing Activities, Total	-601M	-620M	-312M	-717M	-127M
Cash from Financing	356B	292B	-106B	93.34B	60.37B
Foreign Exchange Rate Adjustments	2.76B	-3.41B	-3.12B	-70M	-3.83B
Net Change in Cash	219B	-32.24B	-118B	103B	-42.96B
Supplemental Items
Cash Interest Paid	8.66B	4.51B	18.53B	69.6B	89.69B
Cash Income Tax Paid (Refund)	2.89B	2.76B	2.29B	3.4B	3.82B
Net Debt Issued / Repaid	9.39B	56.29B	38.34B	114B	46.72B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.68	1.07	0.88	0.85	0.84
Return On Equity %	6.66	11.78	10.13	9.39	9.24
Return on Common Equity	6.73	12.38	10.61	9.79	9.52
Shareholders Value Added	-11.4B	2.43B	-1.8B	-3.89B	-4.93B
Margin Analysis
SG&A Margin	65.33	56.3	58.18	58.76	61.76
Net Interest Income / Total Revenues %	58.43	45.82	56.77	59.43	58.36
EBT Excl. Non-Recurring Items Margin %	25.6	36.26	33.51	33.45	30.45
Income From Continuing Operations Margin %	24.11	34.13	29.79	27.68	28.24
Net Income Margin %	24.11	34.13	29.79	27.68	28.24
Net Avail. For Common Margin %	22.2	32.61	28.15	25.96	26.55
Normalized Net Income Margin	16	22.66	20.95	20.91	19.03
Asset quality
Nonperforming Loans / Total Loans %	0.57	0.5	0.39	0.54	0.61
Nonperforming Loans / Total Assets %	0.19	0.15	0.13	0.18	0.21
Nonperforming Assets / Total Assets %	0.19	0.16	0.14	0.18	0.21
NPAs / Loans and OREO	0.59	0.51	0.4	0.55	0.63
NPAs / Equity	2.01	1.84	1.54	1.99	2.32
Allowance for Credit Losses / Net Charge-offs %	456.25	552.25	583.89	351.2	219.53
Allowance for Credit Losses / Nonperforming Loans %	353.29	255.3	314.38	236.14	197.44
Allowance for Credit Losses / Total Loans %	2.03	1.27	1.21	1.27	1.21
Net Charge-offs / Total Average Loans %	0.42	0.24	0.21	0.36	0.57
Provision for Loan Losses / Net Charge-offs %	274.69	-204.81	117.08	115.66	96.52
Earning Assets / IBL	141.96	147	143.36	134.15	130.24
Interest Income / Average Assets	1.92	1.57	2.31	4.13	4.46
Interest Expense / Average Assets	0.31	0.16	0.64	2.33	2.76
Net Interest Income / Average Assets	1.62	1.41	1.67	1.81	1.71
Non Interest Income / Average Assets	1.57	1.52	1.35	1.37	1.4
Non Interest Expense / Average Asset	2.06	1.97	1.96	2.02	2.03
Capital And Funding
Total Average Common Equity / Total Average Assets %	9.32	8.24	7.88	8.15	8.32
Total Average Equity / Total Average Assets %	10.24	9.07	8.73	9.06	9.12
Total Equity + Allowance for Loan Losses / Total Loans %	31.44	28.85	27.34	28.94	28.18
Gross Loans / Total Deposits %	51.68	47.43	54.17	54.77	55.75
Net Loans / Total Deposits %	50.63	46.83	53.52	54.08	55.08
Tier 1 Capital Ratio %	13.5	12.1	13	13.5	13.2
Total Capital Ratio %	16.1	14.1	14.9	15.2	15.1
Core Tier 1 Capital Ratio	11.9	10.6	11.2	11.8	11.9
Tier 2 Capital Ratio	2.56	1.92	1.89	1.7	1.88
Equity Tier 1 Capital Ratio	6.5	5.7	5.9	6.2	6.3
Coverage Ratio	-	-	-	-	-
Leverage Ratio %	7.4	6.4	7	7.1	6.9
Interbank Ratio	178.52	130.36	136.77	98.85	82.8
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	-	-	-	-	-
EBT + Interest Expense / Interest Expense	3.31	8.17	2.54	1.39	1.32
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-11.31	-0.98	22.19	8.52	-1.53
Non Interest Income, 1 Yr. Growth %	4.68	9.51	-7.99	1.79	5.96
Provision For Loan Losses, 1 Yr. Growth %	215.32	-140.58	-155.35	72.79	32.48
Total Revenues, 1 Yr. Growth %	-13.29	26.28	-1.39	3.66	0.29
Earnings From Cont. Operations, 1 Yr. Growth %	-34.76	78.71	-13.92	-3.68	2.33
Net Income, 1 Yr. Growth %	-34.76	78.71	-13.92	-3.68	2.33
Normalized Net Income, 1 Yr. Growth %	-42.01	78.87	-8.85	3.46	-8.7
Diluted EPS Before Extra, 1 Yr. Growth %	-32	90.91	-10.64	-3.45	4.22
Dividend Per Share, 1 Yr. Growth %	9.09	8.33	10.26	6.98	8.7
Gross Loans, 1 Yr. Growth %	-5.65	5.52	6.8	0.76	4
Allowance For Loan Losses, 1 Yr. Growth %	99.68	-34.12	2.38	5.2	-0.76
Net Loans, 1 Yr. Growth %	-6.67	6.34	6.86	0.71	4.06
Non Performing Loans, 1 Yr. Growth %	40.16	-8.83	-16.86	40.06	18.77
Non Performing Assets, 1 Yr. Growth %	34.39	-9.19	-15.62	37.84	18.3
Total Assets, 1 Yr. Growth %	15.84	12.41	-3.73	4.22	2.56
Total Deposits, 1 Yr Growth %	25.14	14.98	-6.5	-0.34	2.16
Tangible Book Value, 1 Yr. Growth %	4.06	-1.74	-0.32	10.5	4.71
Average Interest Earning Assets, 1 Yr. Growth %	13.61	12.88	3.23	1.95	5.28
Average Interest Bearing Liabilities, 1 Yr. Growth %	8.67	9.01	5.85	8.95	8.44
Common Equity, 1 Yr. Growth %	2.9	-1.23	-0.23	7.54	3.48
Total Equity, 1 Yr. Growth %	3.06	-1.05	1.16	6.75	1.34
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-5.12	-6.29	10	15.15	3.37
Non Interest Income, 2 Yr. CAGR %	-0.81	7.07	0.38	-3.22	3.86
Provision For Loan Losses, 2 Yr. CAGR %	85.72	13.12	-52.6	-2.2	51.3
Total Revenues, 2 Yr. CAGR %	-8.03	4.64	11.59	1.1	1.96
Earnings From Cont. Operations, 2 Yr. CAGR %	-20.27	7.97	24.03	-8.94	-0.72
Net Income, 2 Yr. CAGR %	-20.27	7.97	24.03	-8.94	-0.72
Normalized Net Income, 2 Yr. CAGR %	-25.89	1.85	27.69	-2.89	-2.81
Diluted EPS Before Extra, 2 Yr. CAGR %	-15.36	13.94	30.61	-7.12	0.31
Dividend Per Share, 2 Yr. CAGR %	15.47	8.71	9.29	8.6	7.83
Gross Loans, 2 Yr. CAGR %	-1.01	-0.22	6.16	3.74	2.37
Allowance For Loan Losses, 2 Yr. CAGR %	39.94	14.7	-17.87	3.78	2.18
Net Loans, 2 Yr. CAGR %	-1.52	-0.37	6.6	3.74	2.37
Non Performing Loans, 2 Yr. CAGR %	0.7	13.04	-12.94	7.91	28.93
Non Performing Assets, 2 Yr. CAGR %	-0.56	10.48	-12.46	7.85	27.66
Total Assets, 2 Yr. CAGR %	9.43	14.11	4.03	0.17	3.39
Total Deposits, 2 Yr CAGR %	14	19.95	3.69	-3.47	0.91
Tangible Book Value, 2 Yr. CAGR %	1.54	1.12	-1.03	4.95	7.56
Average Interest Earning Assets, 2 Yr. CAGR %	8.19	13.24	7.95	2.59	3.6
Average Interest Bearing Liabilities, 2 Yr. CAGR %	7.6	8.84	7.42	7.39	8.69
Common Equity, 2 Yr. CAGR %	1.11	0.81	-0.73	3.58	5.49
Total Equity, 2 Yr. CAGR %	1.42	0.99	0.05	3.92	4.01
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-1.4	-3.76	2.38	9.5	9.3
Non Interest Income, 3 Yr. CAGR %	0.22	2.52	1.79	0.85	-0.25
Provision For Loan Losses, 3 Yr. CAGR %	49.38	11.86	-10.86	-27.05	8.21
Total Revenues, 3 Yr. CAGR %	-3.94	2.22	2.59	8.88	0.83
Earnings From Cont. Operations, 3 Yr. CAGR %	-0.62	4.35	0.12	14.01	-5.33
Net Income, 3 Yr. CAGR %	-0.62	4.35	0.12	14.01	-5.33
Normalized Net Income, 3 Yr. CAGR %	-13.37	-0.59	-1.85	19.04	-4.87
Diluted EPS Before Extra, 3 Yr. CAGR %	6.25	11	5.07	18.1	-3.48
Dividend Per Share, 3 Yr. CAGR %	22.68	13.04	9.22	8.51	8.63
Gross Loans, 3 Yr. CAGR %	-0.32	1.12	2.07	4.33	3.83
Allowance For Loan Losses, 3 Yr. CAGR %	21.85	8.86	10.44	-10.81	2.24
Net Loans, 3 Yr. CAGR %	-0.63	1.04	1.98	4.6	3.85
Non Performing Loans, 3 Yr. CAGR %	-8	-2.58	2.04	2.01	11.39
Non Performing Assets, 3 Yr. CAGR %	-8.34	-3.52	0.99	1.84	11.2
Total Assets, 3 Yr. CAGR %	7.32	10.42	7.83	4.09	0.96
Total Deposits, 3 Yr CAGR %	11.09	14.33	10.39	2.33	-1.62
Tangible Book Value, 3 Yr. CAGR %	0.68	0.44	0.64	2.67	4.87
Average Interest Earning Assets, 3 Yr. CAGR %	6.44	9.73	9.8	5.91	3.48
Average Interest Bearing Liabilities, 3 Yr. CAGR %	6.67	8.07	7.83	7.92	7.74
Common Equity, 3 Yr. CAGR %	0.49	0.32	0.47	1.95	3.55
Total Equity, 3 Yr. CAGR %	0.72	0.59	1.04	2.24	3.05
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	2.16	0.88	3.01	3.4	2.77
Non Interest Income, 5 Yr. CAGR %	-0.85	1.62	0.29	0.18	2.61
Provision For Loan Losses, 5 Yr. CAGR %	29.06	5.01	-5.62	6.01	10.15
Total Revenues, 5 Yr. CAGR %	-1.44	3.19	1.99	1.77	2.34
Earnings From Cont. Operations, 5 Yr. CAGR %	2.38	12.4	8.59	-1.19	-0.22
Net Income, 5 Yr. CAGR %	2.38	12.4	8.59	-1.19	-0.22
Normalized Net Income, 5 Yr. CAGR %	-3.06	6.31	1.17	-1.52	-2.23
Diluted EPS Before Extra, 5 Yr. CAGR %	7.37	19.12	15.39	3.37	3.14
Dividend Per Share, 5 Yr. CAGR %	29.2	25.55	17.14	11.24	8.67
Gross Loans, 5 Yr. CAGR %	0.68	1.55	2.23	2.16	2.19
Allowance For Loan Losses, 5 Yr. CAGR %	8.98	1.97	4.06	6.8	7.05
Net Loans, 5 Yr. CAGR %	0.54	1.54	2.2	2.11	2.14
Non Performing Loans, 5 Yr. CAGR %	-11.73	-9.62	-10.01	1.49	12.05
Non Performing Assets, 5 Yr. CAGR %	-11.99	-9.97	-10.01	0.88	10.91
Total Assets, 5 Yr. CAGR %	5.63	7.69	5.99	6.2	6.03
Total Deposits, 5 Yr CAGR %	8.44	10.36	8.07	6.85	6.5
Tangible Book Value, 5 Yr. CAGR %	2.27	0.5	-0.01	2.22	3.35
Average Interest Earning Assets, 5 Yr. CAGR %	4.9	6.98	7.04	6.82	7.28
Average Interest Bearing Liabilities, 5 Yr. CAGR %	4.71	6.41	6.97	7.79	8.18
Common Equity, 5 Yr. CAGR %	1.21	0.36	-0	1.61	2.44
Total Equity, 5 Yr. CAGR %	1.27	0.29	0.45	1.91	2.22