Cash flow Canadian Imperial Bank of Commerce

Equities

CM

CA1360691010

Banks

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125.81 ^CAD	-0.27%		+5.55%	+38.48%

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0c350c5ebdd4d6951ac6e10f82da.e4-hCOVPuR9S-2yTgQV5Z00EAfo77DDy49FX76Yg0ts.TdnkebEb4GknngGixFIhMzplSbBinHme0rQlqvJjq4IL6upyjALsbiSzGw

Published financial data: CANADIAN IMPERIAL BANK OF COMMERCE

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: October	2021	2022	2023	2024	2025
Interest Income On Loans	12.15B	16.87B	30.24B	33.92B	32.07B
Interest Income On Investments	2.59B	5.3B	14.78B	18.26B	16.69B
Interest Income, Total	14.74B	22.18B	45.02B	52.18B	48.76B
Interest On Deposits	2.65B	7.89B	26.63B	30.48B	25.11B
Total Interest On Borrowings	631M	1.65B	5.56B	8.01B	7.88B
Interest Expense, Total	3.28B	9.54B	32.19B	38.49B	32.99B
Net Interest Income	11.46B	12.64B	12.82B	13.7B	15.77B
Service Charges On Deposits	797M	880M	924M	958M	996M
Trust Income	1.62B	1.76B	1.77B	1.98B	2.24B
Income From Trading Activities	-	-	-	-	-
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	90M	35M	83M	43M	-14M
Income (Loss) on Equity Invest. (Income Block)	55M	47M	30M	79M	117M
Total Other Non Interest Income	5.99B	6.47B	7.69B	8.85B	10.02B
Non Interest Income, Total	8.56B	9.19B	10.5B	11.91B	13.36B
Revenues Before Provison For Loan Losses	20.02B	21.83B	23.32B	25.61B	29.13B
Provision For Loan Losses	158M	1.06B	2.01B	2B	2.34B
Total Revenues	19.86B	20.78B	21.31B	23.6B	26.79B
Salaries And Other Employee Benefits	5.38B	6.74B	7.2B	6.67B	7.58B
Stock-Based Compensation (IS)	14M	-4M	-1M	14M	13M
Selling General & Admin Expenses, Total	4.74B	4.53B	4.55B	6.1B	6.56B
Total Other Non Interest Expense	1.13B	1.36B	1.53B	1.61B	1.7B
Non Interest Expense, Total	11.26B	12.62B	13.29B	14.4B	15.85B
EBT, Excl. Unusual Items	8.59B	8.16B	8.02B	9.2B	10.94B
Restructuring Charges	-109M	-37M	-	-	-
Impairment of Goodwill	-	-	-	-	-
Legal Settlements	-163M	-146M	-1.06B	-38M	-
Other Unusual Items	-	-1M	2M	-	-
EBT, Incl. Unusual Items	8.32B	7.97B	6.96B	9.17B	10.94B
Income Tax Expense	1.88B	1.73B	1.93B	2.01B	2.48B
Earnings From Continuing Operations	6.45B	6.24B	5.03B	7.15B	8.45B
Net Income to Company	6.45B	6.24B	5.03B	7.15B	8.45B
Minority Interest	-17M	-23M	-38M	-39M	-25M
Net Income - (IS)	6.43B	6.22B	5B	7.12B	8.43B
Preferred Dividend and Other Adjustments	158M	171M	267M	263M	364M
Net Income to Common Incl Extra Items	6.27B	6.05B	4.73B	6.85B	8.06B
Net Income to Common Excl. Extra Items	6.27B	6.05B	4.73B	6.85B	8.06B
Per Share Items
Net EPS - Basic	6.98	6.7	5.16	7.29	8.62
Basic EPS - Continuing Operations	6.98	6.7	5.16	7.29	8.62
Basic Weighted Average Shares Outstanding	898M	903M	916M	939M	935M
Net EPS - Diluted	6.96	6.68	5.16	7.28	8.57
Diluted EPS - Continuing Operations	6.96	6.68	5.16	7.28	8.57
Diluted Weighted Average Shares Outstanding	900M	906M	916M	942M	941M
Normalized Basic EPS	5.96	5.62	5.44	6.08	7.28
Normalized Diluted EPS	5.95	5.6	5.43	6.07	7.24
Dividend Per Share	2.92	3.27	3.44	3.6	3.88
Payout Ratio	41.2	47.78	45.27	41.42	47.37
Supplemental Items
Effective Tax Rate - (Ratio)	22.54	21.7	27.73	21.95	22.72
Total Current Taxes	1.92B	1.78B	2.02B	2.26B	2.74B
Total Deferred Taxes	-41M	-46M	-87M	-244M	-257M
Normalized Net Income	5.35B	5.08B	4.98B	5.71B	6.81B
Non-Cash Pension Expense	-8M	-47M	-139M	-54M	-66M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	1.08B	420M	348M	1.59B	1.69B
Stock-Based Comp., Other (Total)	14M	-4M	-1M	14M	13M
Total Stock-Based Compensation	1.09B	416M	347M	1.61B	1.7B

Fiscal Period: October	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	34.13B	31.04B	20.32B	8.1B	11.8B
Investment Securities, Total	175B	206B	238B	264B	264B
Trading Asset Securities, Total	108B	110B	116B	142B	167B
Mortgage Backed Securities	4.96B	4.8B	6.17B	8.77B	9.26B
Total investments	288B	321B	360B	415B	441B
Gross Loans	456B	522B	535B	564B	596B
Allowance For Loan Losses	-2.85B	-3.07B	-3.9B	-3.92B	-4.39B
Other Adjustments to Gross Loans	-591M	-689M	-706M	-815M	-1.02B
Net Loans	453B	518B	530B	559B	590B
Gross Property Plant And Equipment	6.42B	6.92B	7B	7.48B	7.68B
Accumulated Depreciation	-3.14B	-3.55B	-3.75B	-4.12B	-4.24B
Net Property Plant And Equipment	3.29B	3.38B	3.25B	3.36B	3.44B
Goodwill	4.95B	5.35B	5.42B	5.44B	5.48B
Other Intangibles, Total	2.03B	2.59B	2.74B	2.83B	2.89B
Accrued Interest Receivable	1.27B	2.23B	3.5B	4.21B	4.17B
Other Receivables	2.54B	3.89B	3.58B	3.85B	4.61B
Restricted Cash	19.41B	29.46B	21.99B	17.49B	22.28B
Other Current Assets, Total	14.54B	14.53B	13.9B	11.86B	15.22B
Deferred Tax Assets Long-Term (Collected)	402M	480M	629M	821M	1.03B
Other Real Estate Owned And Foreclosed	18M	24M	13M	8M	2M
Other Long-Term Assets, Total	14.55B	11.76B	10.01B	10.32B	15.19B
Total Assets	838B	944B	976B	1,042B	1,117B
Liabilities
Accounts Payable, Total	2.26B	2.61B	2.8B	3.2B	3.46B
Accrued Expenses, Total	2.96B	2.74B	2.58B	3.9B	5.07B
Interest Bearing Deposits	462B	534B	571B	590B	615B
Non-Interest Bearing Deposits	116B	117B	103B	103B	110B
Total Deposits	578B	652B	674B	693B	725B
Short-Term Borrowings	57.64B	72.51B	68.04B	70.29B	71.69B
Current Portion of Long-Term Debt	81.97B	85.61B	89.39B	117B	149B
Current Portion of Leases	363M	344M	331M	346M	336M
Long-Term Debt	38.06B	43.59B	53.69B	72.33B	72.34B
Long-Term Leases	1.77B	1.83B	1.69B	1.68B	1.64B
Accrued Interest Payable	781M	2.01B	4.53B	4.98B	4B
Other Current Liabilities - (Bank / Utility Template)	17.62B	17.5B	14.2B	4.46B	5.81B
Pension & Other Post Retirement Benefits	602M	477M	462M	460M	457M
Deferred Tax Liability Non-Current	38M	45M	40M	49M	47M
Other Non Current Liabilities	9.52B	12.15B	10.86B	11.12B	14.03B
Total Liabilities	792B	893B	923B	983B	1,053B
Preferred Stock Convertible	2.82B	2.62B	2.62B	2.15B	1.7B
Preferred Stock - Others	-	-2M	-	-	-1M
Total Preferred Equity	2.82B	2.62B	2.62B	2.15B	1.7B
Common Stock, Total	14.35B	14.72B	16.08B	17.1B	17.18B
Additional Paid In Capital	110M	115M	109M	159M	226M
Retained Earnings	25.79B	28.82B	30.4B	33.47B	36.47B
Treasury Stock	-	-	-2M	-	-
Comprehensive Income and Other	2.57B	3.9B	3.76B	5.86B	8.55B
Total Common Equity	42.82B	47.56B	50.36B	56.59B	62.43B
Minority Interest	182M	201M	232M	272M	284M
Total Equity	45.83B	50.38B	53.21B	59.01B	64.41B
Total Liabilities And Equity	838B	944B	976B	1,042B	1,117B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	902M	906M	931M	942M	925M
ECS Total Common Shares Outstanding	902M	906M	931M	942M	927M
Book Value / Share	47.49	52.5	54.08	60.06	67.37
Tangible Book Value	35.84B	39.62B	42.19B	48.32B	54.06B
Tangible Book Value Per Share	39.75	43.73	45.31	51.28	58.34
Average Assets	810B	900B	948B	1,005B	1,104B
Average Loans	424B	489B	524B	538B	574B
Total Debt	180B	204B	213B	262B	295B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-1.34B	-1.4B	-1.03B	-1.38B	-1.72B
Net Debt	-52.48B	-39.03B	-38.24B	-11.9B	-2.52B
Equity Method Investments, Total	658M	632M	669M	785M	808M
Full Time Employees	45.28K	50.43K	48.07K	48.52K	49.82K

Fiscal Period: October	2021	2022	2023	2024	2025
Net Income	6.43B	6.22B	5B	7.12B	8.43B
Depreciation, Depletion & Amortization	530M	522M	545M	549M	518M
Amortization of Goodwill and Intangible Assets - (CF)	79M	98M	100M	60M	45M
Total Depreciation, Depletion & Amortization	609M	620M	645M	609M	563M
Amortization of Deferred Charges, Total	408M	427M	498M	561M	615M
(Gain) Loss On Sale of Asset - (CF)	-	-6M	-3M	-1M	-2M
(Gain) Loss on Sale of Investments - (CF)	-90M	-35M	-83M	-43M	14M
Total Asset Writedown	-	-	-	-	-
Provision for Credit Losses	158M	1.06B	2.01B	2B	2.34B
Stock-Based Compensation (CF)	19M	24M	13M	16M	20M
Change in Trading Asset Securities	-12.72B	-2.12B	-5.6B	-26.56B	-24.74B
Changes in Accrued Interest Receivable	46M	-959M	-1.27B	-711M	44M
Changes in Accrued Interest Payable	-419M	1.23B	2.52B	452M	-983M
Change In Income Taxes	543M	-809M	361M	-257M	-489M
Change in Other Net Operating Assets (Collected)	-46.74B	-56.29B	-10.75B	-4.54B	-8.91B
Other Operating Activities	903M	-1.15B	1.77B	-2.03B	-248M
Cash from Operations	-50.85B	-51.8B	-4.89B	-23.38B	-23.34B
Capital Expenditure	-839M	-1.11B	-1.01B	-1.09B	-1.11B
Sale of Property, Plant, and Equipment	-	-	-	-	-
Cash Acquisitions	-	-3.08B	-	-	-
Investment in Marketable and Equity Securities, Total	-2.67B	-20.2B	-19.75B	-19.66B	-4.67B
Cash from Investing	-3.51B	-24.39B	-20.76B	-20.75B	-5.78B
Long-Term Debt Issued, Total	1B	1B	1.75B	2.25B	1.25B
Total Debt Issued	1B	1B	1.75B	2.25B	1.25B
Long-Term Debt Repaid, Total	-1.31B	-328M	-1.83B	-1.82B	-1.38B
Total Debt Repaid	-1.31B	-328M	-1.83B	-1.82B	-1.38B
Issuance of Common Stock	284M	229M	183M	312M	162M
Repurchase of Common Stock	-15M	-134M	-	-423M	-1.73B
Issuance of Preferred Stock	748M	1.4B	-	996M	2.76B
Repurchase of Preferred Stock	-	-800M	-	-975M	-1.35B
Common Dividends Paid	-	-	-	-	-3.63B
Preferred Dividends Paid	-	-	-	-	-364M
Common & Preferred Stock Dividends Paid	-2.65B	-2.97B	-2.26B	-2.95B	-
Common & Preferred Stock Dividends Paid	-2.65B	-2.97B	-2.26B	-2.95B	-3.99B
Net Increase (Decrease) in Deposit Accounts - (CF)	47.52B	74.51B	17.04B	34.47B	37.18B
Other Financing Activities, Total	-	-	-	-	-29M
Cash from Financing	45.58B	72.9B	14.89B	31.86B	32.87B
Foreign Exchange Rate Adjustments	-	248M	49M	22M	63M
Miscellaneous Cash Flow Adjustments	-175M	-	-	-	-
Net Change in Cash	-8.96B	-3.04B	-10.72B	-12.25B	3.81B
Supplemental Items
Cash Interest Paid	3.7B	8.31B	29.67B	38.04B	33.98B
Cash Income Tax Paid (Refund)	1.37B	2.58B	1.66B	2.51B	3.23B
Net Debt Issued / Repaid	-313M	672M	-81M	427M	-128M

Fiscal Period: October	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.8	0.7	0.52	0.71	0.78
Return On Equity %	14.79	12.98	9.72	12.76	13.7
Return on Common Equity	15.45	13.39	9.66	12.82	13.55
Shareholders Value Added	1.71B	918M	-780M	761M	1.33B
Margin Analysis
SG&A Margin	50.96	54.24	55.15	54.11	52.76
Net Interest Income / Total Revenues %	57.71	60.84	60.17	58.02	58.86
EBT Excl. Non-Recurring Items Margin %	43.28	39.26	37.65	38.99	40.83
Income From Continuing Operations Margin %	32.46	30.05	23.61	30.31	31.56
Net Income Margin %	32.38	29.94	23.44	30.14	31.46
Net Avail. For Common Margin %	31.58	29.12	22.18	29.03	30.1
Normalized Net Income Margin	26.96	24.43	23.35	24.2	25.43
Asset quality
Nonperforming Loans / Total Loans %	0.4	0.33	0.56	0.52	0.61
Nonperforming Loans / Total Assets %	0.22	0.18	0.31	0.28	0.33
Nonperforming Assets / Total Assets %	0.22	0.19	0.31	0.28	0.33
NPAs / Loans and OREO	0.41	0.34	0.56	0.52	0.61
NPAs / Equity	4.04	3.51	5.64	4.95	5.65
Allowance for Credit Losses / Net Charge-offs %	365.26	378.45	343.49	205.72	276.23
Allowance for Credit Losses / Nonperforming Loans %	155.43	176.31	130.5	134.42	120.79
Allowance for Credit Losses / Total Loans %	0.62	0.59	0.73	0.69	0.74
Net Charge-offs / Total Average Loans %	0.18	0.17	0.22	0.35	0.28
Provision for Loan Losses / Net Charge-offs %	20.26	130.17	176.94	105.09	147.3
Earning Assets / IBL	99.81	99.86	101.94	102.57	101.38
Interest Income / Average Assets	1.82	2.46	4.75	5.19	4.42
Interest Expense / Average Assets	0.41	1.06	3.4	3.83	2.99
Net Interest Income / Average Assets	1.42	1.4	1.35	1.36	1.43
Non Interest Income / Average Assets	1.06	1.02	1.11	1.18	1.21
Non Interest Expense / Average Asset	1.39	1.4	1.4	1.43	1.44
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.05	5.07	5.1	5.3	5.51
Total Average Equity / Total Average Assets %	5.42	5.4	5.4	5.56	5.72
Total Equity + Allowance for Loan Losses / Total Loans %	10.63	10.21	10.64	11.12	11.51
Gross Loans / Total Deposits %	78.86	80.02	79.33	81.35	82.16
Net Loans / Total Deposits %	78.27	79.44	78.65	80.66	81.41
Tier 1 Capital Ratio %	14.1	13.3	13.9	14.8	15.1
Total Capital Ratio %	16.2	15.3	16	17	17.4
Core Tier 1 Capital Ratio	12.4	11.7	12.4	13.3	13.3
Tier 2 Capital Ratio	2.15	2	2.1	2.2	2.29
Coverage Ratio	155.43	176.31	130.5	134.42	120.79
Interbank Ratio	134.73	101.85	105.18	94.67	75.48
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	14.19	5.83	2.25	2.14	2.39
EBT + Interest Expense / Interest Expense	3.54	1.84	1.22	1.24	1.33
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	3.76	10.32	1.46	6.78	15.14
Non Interest Income, 1 Yr. Growth %	11.16	7.43	14.21	13.36	12.2
Provision For Loan Losses, 1 Yr. Growth %	-93.65	568.99	90.16	-0.45	17.04
Total Revenues, 1 Yr. Growth %	22.18	4.63	2.58	10.71	13.5
Earnings From Cont. Operations, 1 Yr. Growth %	69.99	-3.15	-19.38	41.97	18.17
Net Income, 1 Yr. Growth %	69.63	-3.25	-19.69	42.27	18.47
Normalized Net Income, 1 Yr. Growth %	50.91	-5.21	-1.92	14.65	19.72
Diluted EPS Before Extra, 1 Yr. Growth %	69.46	-4.02	-22.75	40.81	17.72
Dividend Per Share, 1 Yr. Growth %	0.34	11.99	5.2	4.65	7.78
Gross Loans, 1 Yr. Growth %	10.79	14.37	2.51	5.43	5.66
Allowance For Loan Losses, 1 Yr. Growth %	-19.52	7.86	26.98	0.38	12.13
Net Loans, 1 Yr. Growth %	11.06	14.41	2.36	5.45	5.58
Non Performing Loans, 1 Yr. Growth %	-21.97	-4.91	71.54	-2.54	24.78
Non Performing Assets, 1 Yr. Growth %	-21.96	-4.54	69.95	-2.7	24.5
Total Assets, 1 Yr. Growth %	8.85	12.64	3.4	6.79	7.19
Total Deposits, 1 Yr Growth %	9.05	12.72	3.39	5.1	4.61
Tangible Book Value, 1 Yr. Growth %	15.19	10.54	6.49	14.66	11.89
Average Interest Earning Assets, 1 Yr. Growth %	10.33	10.74	7.75	7.95	9.26
Average Interest Bearing Liabilities, 1 Yr. Growth %	11.08	10.68	5.55	7.29	10.54
Common Equity, 1 Yr. Growth %	11.72	11.06	5.88	12.49	10.32
Total Equity, 1 Yr. Growth %	10.87	9.93	5.62	10.99	9.16
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	4.21	6.99	5.79	4.09	10.89
Non Interest Income, 2 Yr. CAGR %	3.03	9.28	10.77	13.83	12.78
Provision For Loan Losses, 2 Yr. CAGR %	-64.95	-34.83	256.67	37.59	7.94
Total Revenues, 2 Yr. CAGR %	7.06	13.06	3.6	6.59	12.09
Earnings From Cont. Operations, 2 Yr. CAGR %	12.19	28.31	-11.64	7.05	29.53
Net Income, 2 Yr. CAGR %	12.32	28.11	-11.86	6.95	29.83
Normalized Net Income, 2 Yr. CAGR %	14.24	19.6	-3.58	6.1	16.92
Diluted EPS Before Extra, 2 Yr. CAGR %	11.57	27.49	-13.9	4.39	28.75
Dividend Per Share, 2 Yr. CAGR %	2.12	6.01	8.54	4.92	6.2
Gross Loans, 2 Yr. CAGR %	7.95	12.57	8.27	3.96	5.54
Allowance For Loan Losses, 2 Yr. CAGR %	21.97	-6.83	17.03	12.9	6.09
Net Loans, 2 Yr. CAGR %	7.87	12.72	8.22	3.9	5.52
Non Performing Loans, 2 Yr. CAGR %	-0.89	-13.86	27.72	29.3	10.27
Non Performing Assets, 2 Yr. CAGR %	-1.06	-13.69	27.37	28.59	10.07
Total Assets, 2 Yr. CAGR %	13.38	10.73	7.93	5.08	6.99
Total Deposits, 2 Yr CAGR %	13.8	10.87	7.95	3.1	4.85
Tangible Book Value, 2 Yr. CAGR %	12.83	12.84	8.5	10.43	13.27
Average Interest Earning Assets, 2 Yr. CAGR %	12.26	10.53	9.24	7.85	8.6
Average Interest Bearing Liabilities, 2 Yr. CAGR %	12.89	10.88	8.08	6.42	8.9
Common Equity, 2 Yr. CAGR %	9.72	11.39	8.44	9.08	11.4
Total Equity, 2 Yr. CAGR %	8.99	10.4	7.75	8.22	10.07
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	4.42	6.21	5.11	6.12	7.65
Non Interest Income, 3 Yr. CAGR %	3.27	4.48	10.9	11.66	13.29
Provision For Loan Losses, 3 Yr. CAGR %	-43.37	-6.33	-6.88	133.09	30.37
Total Revenues, 3 Yr. CAGR %	5.39	6.24	9.46	5.93	8.85
Earnings From Cont. Operations, 3 Yr. CAGR %	6.85	6.83	9.9	3.53	10.63
Net Income, 3 Yr. CAGR %	6.87	6.87	9.64	3.44	10.66
Normalized Net Income, 3 Yr. CAGR %	8.65	7.35	11.95	2.19	10.31
Diluted EPS Before Extra, 3 Yr. CAGR %	6.14	6.09	7.88	1.51	8.66
Dividend Per Share, 3 Yr. CAGR %	3.16	5.31	5.74	7.23	5.87
Gross Loans, 3 Yr. CAGR %	6.88	10.05	9.11	7.32	4.52
Allowance For Loan Losses, 3 Yr. CAGR %	20.24	17.08	3.3	11.2	12.64
Net Loans, 3 Yr. CAGR %	6.81	10.01	9.15	7.29	4.46
Non Performing Loans, 3 Yr. CAGR %	7.39	-2.25	8.38	16.71	27.77
Non Performing Assets, 3 Yr. CAGR %	7.4	-2.24	8.18	16.44	27.22
Total Assets, 3 Yr. CAGR %	11.95	13.14	8.23	7.55	5.78
Total Deposits, 3 Yr CAGR %	11.53	13.44	8.32	6.21	3.6
Tangible Book Value, 3 Yr. CAGR %	12.48	12.06	10.68	10.47	10.92
Average Interest Earning Assets, 3 Yr. CAGR %	10.42	11.75	9.6	8.81	8.32
Average Interest Bearing Liabilities, 3 Yr. CAGR %	10.79	12.15	9.07	7.82	7.77
Common Equity, 3 Yr. CAGR %	9.41	10.17	9.52	9.74	9.49
Total Equity, 3 Yr. CAGR %	9.28	9.3	8.78	8.79	8.53
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	6.49	7.09	4.97	5.35	7.38
Non Interest Income, 5 Yr. CAGR %	5.11	4.71	6.21	8.12	11.67
Provision For Loan Losses, 5 Yr. CAGR %	-31.54	4.98	18.23	9.24	-1.21
Total Revenues, 5 Yr. CAGR %	7.26	6.1	4.67	6.38	10.51
Earnings From Cont. Operations, 5 Yr. CAGR %	8.46	5.76	-0.97	6.92	17.39
Net Income, 5 Yr. CAGR %	8.5	5.77	-1.05	6.9	17.33
Normalized Net Income, 5 Yr. CAGR %	11.46	6.78	3.58	6.85	13.93
Diluted EPS Before Extra, 5 Yr. CAGR %	5.42	3.52	-2.4	5.41	15.83
Dividend Per Share, 5 Yr. CAGR %	4.22	5.18	5.28	5.15	5.92
Gross Loans, 5 Yr. CAGR %	8.06	7.77	7.44	7.57	7.67
Allowance For Loan Losses, 5 Yr. CAGR %	11	13.69	18.94	15.39	4.41
Net Loans, 5 Yr. CAGR %	8.04	7.74	7.37	7.52	7.69
Non Performing Loans, 5 Yr. CAGR %	2.03	5.88	15.1	9.32	9.13
Non Performing Assets, 5 Yr. CAGR %	2.01	5.83	14.98	9.09	8.93
Total Assets, 5 Yr. CAGR %	10.81	10.79	10.32	9.84	7.74
Total Deposits, 5 Yr CAGR %	10.28	10.42	10.09	9.19	6.45
Tangible Book Value, 5 Yr. CAGR %	12.92	12.59	10.87	11.41	11.68
Average Interest Earning Assets, 5 Yr. CAGR %	10.15	10.47	9.94	10.17	9.2
Average Interest Bearing Liabilities, 5 Yr. CAGR %	10.3	10.71	9.7	9.82	9.01
Common Equity, 5 Yr. CAGR %	13.76	10.22	9.02	9.73	10.25
Total Equity, 5 Yr. CAGR %	14.12	10.03	8.67	8.87	9.28