GUANGZHOU RURAL COMMERCIAL BANK CO., LTD.

Income Statement Guangzhou Rural Commercial Bank Co., Ltd.

Stocks

1551

CNE100002FR4

Banks

Delayed Hong Kong S.E. 04:08:14 2026-09-23 EDT			5-day change	1st Jan Change
1.465 ^HKD	-0.34%		-2.33%	-3.62%

08-28	Guangzhou Rural Commercial Bank Co., Ltd. Reports Earnings Results for the Half Year Ended June 30, 2026	CI
07-29	Guangzhou Qianrun Investment Partnership Enterprise (L.P.) completed the acquisition of 8.84% stake in Zoje Resources Investment Co., Ltd. from Guangzhou Rural Commercial Bank Co., Ltd..	CI

71f9ead9b4c97e9.zuiCaKb0NLUpbwlYp173HOZxhHsznUQmAotyJBXkats.gbzsOdKzVYV6ClEHyjCGfbko0Tdg8QYSNbwicWyJIbiBhvgywZ9u0W8OOQ

Published financial data: GUANGZHOU RURAL COMMERCIAL BANK CO., LTD.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021 (CNY)	2022 (CNY)	2023 (CNY)	2024 (CNY)	2025 (CNY)
Interest Income On Loans	42.57B	43.82B	41.75B	37.96B	35.14B
Interest Income, Total	42.57B	43.82B	41.75B	37.96B	35.14B
Interest On Deposits	23.01B	25.24B	25.16B	24.35B	21.45B
Interest Expense, Total	23.01B	25.24B	25.16B	24.35B	21.45B
Net Interest Income	19.56B	18.58B	16.58B	13.61B	13.69B
Income From Trading Activities	2.04B	1.08B	109M	384M	-730M
Gain (Loss) on Sale of Assets	25.95M	133M	149M	33.1M	97.17M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	344M	510M	349M	1.23B	1.58B
Total Other Non Interest Income	1.51B	2.24B	964M	574M	756M
Non Interest Income, Total	3.92B	3.96B	1.57B	2.22B	1.7B
Revenues Before Provison For Loan Losses	23.48B	22.54B	18.15B	15.83B	15.39B
Provision For Loan Losses	12.54B	10.63B	8.41B	7.77B	7.28B
Total Revenues	10.94B	11.92B	9.75B	8.06B	8.11B
Salaries And Other Employee Benefits	3.94B	4.86B	4.31B	4.07B	4B
Occupancy Expense	878M	715M	673M	605M	647M
Selling General & Admin Expenses, Total	96.78M	375M	342M	223M	204M
Total Other Non Interest Expense	1.57B	1.46B	1.51B	1.69B	1.73B
Non Interest Expense, Total	6.48B	7.41B	6.83B	6.59B	6.59B
EBT, Excl. Unusual Items	4.46B	4.51B	2.91B	1.47B	1.53B
Impairment of Goodwill	-	-	-	-	-
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	4.46B	4.51B	2.91B	1.47B	1.53B
Income Tax Expense	681M	473M	-347M	-941M	-936M
Earnings From Continuing Operations	3.78B	4.04B	3.26B	2.42B	2.46B
Net Income to Company	3.78B	4.04B	3.26B	2.42B	2.46B
Minority Interest	-601M	-546M	-625M	-335M	-342M
Net Income - (IS)	3.18B	3.49B	2.63B	2.08B	2.12B
Preferred Dividend and Other Adjustments	606M	620M	645M	666M	334M
Net Income to Common Incl Extra Items	2.57B	2.87B	1.99B	1.41B	1.79B
Net Income to Common Excl. Extra Items	2.57B	2.87B	1.99B	1.41B	1.79B
Per Share Items
Net EPS - Basic	0.26	0.25	0.17	0.1	0.12
Basic EPS - Continuing Operations	0.26	0.25	0.17	0.1	0.12
Basic Weighted Average Shares Outstanding	9.86B	11.45B	11.48B	14.41B	14.41B
Net EPS - Diluted	0.26	0.25	0.17	0.1	0.12
Diluted EPS - Continuing Operations	0.26	0.25	0.17	0.1	0.12
Diluted Weighted Average Shares Outstanding	9.86B	11.45B	11.48B	14.41B	14.41B
Normalized Basic EPS	0.22	0.2	0.1	0.04	0.04
Normalized Diluted EPS	0.22	0.2	0.1	0.04	0.04
Dividend Per Share	0.1	0.1	0.04	0.04	0.05
Payout Ratio	80.87	52.2	70.14	59.72	46.28
Supplemental Items
Effective Tax Rate - (Ratio)	15.28	10.48	-11.9	-63.82	-61.22
Total Current Taxes	1.76B	3.01B	607M	1.24B	715M
Total Deferred Taxes	-1.08B	-2.54B	-954M	-2.19B	-1.65B
Normalized Net Income	2.18B	2.27B	1.2B	587M	613M
Non-Cash Pension Expense	234M	95.37M	-	81.05M	60.5M

Fiscal Period: December	2021 (CNY)	2022 (CNY)	2023 (CNY)	2024 (CNY)	2025 (CNY)
Assets
Cash And Equivalents	51.12B	42.29B	44.9B	35.61B	55.2B
Investment Securities, Total	309B	369B	422B	518B	519B
Trading Asset Securities, Total	91.63B	81.97B	67.8B	33.45B	33.1B
Total investments	401B	451B	490B	552B	552B
Gross Loans	658B	692B	731B	720B	706B
Allowance For Loan Losses	-20.11B	-22.85B	-22.41B	-22.03B	-21.18B
Net Loans	638B	669B	709B	698B	685B
Gross Property Plant And Equipment	10.9B	11.23B	11.15B	11.68B	11.38B
Accumulated Depreciation	-6.28B	-6.58B	-6.59B	-6.81B	-6.75B
Net Property Plant And Equipment	4.62B	4.65B	4.55B	4.87B	4.63B
Goodwill	734M	734M	734M	734M	635M
Other Intangibles, Total	200M	284M	353M	441M	468M
Investment in Real Estate	39.68M	32.02M	24.89M	22.97M	20.75M
Accrued Interest Receivable	1.69B	2.33B	3.09B	3.83B	3.45B
Other Receivables	1.2B	1.07B	1.12B	5.86B	13.07B
Restricted Cash	54.4B	50.46B	48.83B	47.24B	49.13B
Other Current Assets, Total	-	-	-	-	-
Deferred Tax Assets Long-Term (Collected)	7.67B	10.42B	11.15B	12.13B	14.63B
Other Real Estate Owned And Foreclosed	495M	286M	284M	405M	450M
Deferred Charges Long-Term	93.88M	85.72M	82.23M	76.02M	66.9M
Other Long-Term Assets, Total	739M	278M	295M	1.46B	879M
Total Assets	1,162B	1,233B	1,314B	1,362B	1,380B
Liabilities
Accrued Expenses, Total	1.6B	1.82B	1.9B	1.88B	1.79B
Interest Bearing Deposits	581B	639B	716B	732B	743B
Non-Interest Bearing Deposits	305B	300B	274B	264B	267B
Total Deposits	886B	940B	990B	996B	1,010B
Short-Term Borrowings	32.36B	38.72B	51.7B	29.62B	24.72B
Current Portion of Long-Term Debt	123B	132B	137B	162B	175B
Current Portion of Leases	276M	221M	203M	194M	527M
Long-Term Debt	22.27B	23.94B	30.87B	38.23B	37.85B
Long-Term Leases	661M	562M	548M	485M	51.54M
Current Income Taxes Payable	1.34B	2.23B	869M	1.3B	1.1B
Accrued Interest Payable	222M	300M	253M	20.98B	18.37B
Other Current Liabilities - (Bank / Utility Template)	15M	16.43M	1.47B	6.13B	5.49B
Unearned Revenue Non Current	147M	93.6M	90.09M	97.5M	-
Pension & Other Post Retirement Benefits	849M	862M	945M	1.08B	1.04B
Other Non Current Liabilities	6.34B	4.84B	2.34B	2.05B	2.6B
Total Liabilities	1,075B	1,145B	1,218B	1,259B	1,279B
Preferred Stock Convertible	9.84B	9.84B	9.84B	-	-
Preferred Stock - Others	-18.38M	-18.38M	-18.38M	-	-
Total Preferred Equity	9.82B	9.82B	9.82B	-	-
Common Stock, Total	11.45B	11.45B	14.41B	14.41B	14.41B
Additional Paid In Capital	-	-	-	-	-
Retained Earnings	39.75B	41.42B	42.2B	43.04B	44.18B
Comprehensive Income and Other	19.01B	18.39B	22.39B	37.41B	35.14B
Total Common Equity	70.21B	71.26B	79.01B	94.86B	93.73B
Minority Interest	6.86B	7.17B	7.71B	8.06B	7.37B
Total Equity	86.89B	88.25B	96.54B	103B	101B
Total Liabilities And Equity	1,162B	1,233B	1,314B	1,362B	1,380B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	11.45B	11.45B	14.41B	14.41B	14.41B
ECS Total Common Shares Outstanding	11.45B	11.45B	14.41B	14.41B	14.41B
Book Value / Share	6.13	6.22	5.48	5.75	5.67
Tangible Book Value	69.27B	70.24B	77.92B	93.68B	92.63B
Tangible Book Value Per Share	6.05	6.13	5.41	5.67	5.6
Average Loans	612B	664B	696B	730B	709B
Total Debt	178B	195B	220B	230B	239B
Deposits at Interest - Cash	95.78B	92.43B	43.89B	32.74B	52.69B
Net Debt	-54.76B	-33.78B	23.68B	48.94B	10.24B
Full Time Employees	13.57K	13.34K	13K	12.95K	12.6K
Number Of Offices	635	605	585	551	530

Fiscal Period: December	2021 (CNY)	2022 (CNY)	2023 (CNY)	2024 (CNY)	2025 (CNY)
Net Income	3.18B	3.49B	2.63B	2.08B	2.12B
Depreciation, Depletion & Amortization	739M	631M	594M	488M	509M
Amortization of Goodwill and Intangible Assets - (CF)	-	-	-	-	-
Total Depreciation, Depletion & Amortization	739M	631M	594M	488M	509M
Amortization of Deferred Charges, Total	146M	91.69M	86.55M	116M	141M
(Gain) Loss On Sale of Asset - (CF)	-22.3M	-99.1M	-134M	-38.34M	-108M
(Gain) Loss on Sale of Investments - (CF)	133M	-107M	466M	-1.27B	656M
Total Asset Writedown	89.12M	204M	264M	41.85M	138M
Provision for Credit Losses	8.32B	9.53B	7.53B	7.48B	6.52B
Change in Trading Asset Securities	-4.75B	21.56B	-8.91B	-4.92B	-1.05B
Change in Other Net Operating Assets (Collected)	-59.89B	-47.66B	-54.68B	-60.28B	-2.1B
Other Operating Activities	-1.96B	-6.08B	-7.23B	-6.67B	-7.58B
Cash from Operations	-54.02B	-18.44B	-59.38B	-62.97B	-752M
Capital Expenditure	-451M	-753M	-501M	-866M	-340M
Sale of Property, Plant, and Equipment	56.32M	106M	189M	50.49M	107M
Cash Acquisitions	-	-	-	-	-
Divestitures	-	-	-	-	-521M
Investment in Marketable and Equity Securities, Total	-50.46B	-58.67B	-51.54B	-26.82B	18.74B
Other Investing Activities, Total	7.22B	9.34B	8.19B	11.79B	15.53B
Cash from Investing	-43.63B	-49.98B	-43.66B	-15.85B	33.52B
Long-Term Debt Issued, Total	170B	212B	234B	256B	212B
Total Debt Issued	170B	212B	234B	256B	212B
Long-Term Debt Repaid, Total	-139B	-196B	-230B	-222B	-227B
Total Debt Repaid	-139B	-196B	-230B	-222B	-227B
Issuance of Common Stock	9.66B	-	6.43B	12B	-
Issuance of Preferred Stock	-	-	-	-	-
Repurchase of Preferred Stock	-	-	-	-10.17B	-
Common Dividends Paid	-1.96B	-1.2B	-1.2B	-576M	-982M
Preferred Dividends Paid	-606M	-620M	-645M	-666M	-
Common & Preferred Stock Dividends Paid	-2.57B	-1.82B	-1.85B	-1.24B	-982M
Net Increase (Decrease) in Deposit Accounts - (CF)	66.46B	53.55B	49.91B	26.92B	13.12B
Other Financing Activities, Total	-2.79B	-3.24B	-4.34B	5.99B	-9.61B
Cash from Financing	102B	64.2B	53.97B	67.68B	-13.12B
Foreign Exchange Rate Adjustments	-221M	423M	31.6M	45.06M	-51.65M
Net Change in Cash	3.84B	-3.8B	-49.04B	-11.09B	19.6B
Supplemental Items
Cash Interest Paid	18.59B	21.27B	24.06B	24.4B	23.56B
Cash Income Tax Paid (Refund)	2.33B	2.13B	1.97B	817M	913M
Net Debt Issued / Repaid	30.94B	15.71B	3.81B	34.19B	-15.65B

Fiscal Period: December	2021 (CNY)	2022 (CNY)	2023 (CNY)	2024 (CNY)	2025 (CNY)
Profitability
Return on Assets	0.34	0.34	0.26	0.18	0.18
Return On Equity %	4.64	4.61	3.53	2.42	2.42
Return on Common Equity	3.96	4.06	2.65	1.63	1.9
Shareholders Value Added	-4.62B	-5B	-6.38B	-8.35B	-9.19B
Margin Analysis
SG&A Margin	44.94	49.88	54.66	60.8	59.83
Net Interest Income / Total Revenues %	178.78	155.91	170.15	168.86	168.7
EBT Excl. Non-Recurring Items Margin %	40.74	37.84	29.89	18.29	18.84
Income From Continuing Operations Margin %	34.52	33.88	33.44	29.96	30.37
Net Income Margin %	29.02	29.3	27.03	25.81	26.15
Net Avail. For Common Margin %	23.48	24.09	20.41	17.54	22.04
Normalized Net Income Margin	19.97	19.07	12.27	7.28	7.56
Asset quality
Nonperforming Loans / Total Loans %	1.83	2.11	1.87	1.66	1.86
Nonperforming Loans / Total Assets %	1.04	1.18	1.04	0.88	0.95
Nonperforming Assets / Total Assets %	1.08	1.21	1.06	0.91	0.98
NPAs / Loans and OREO	1.91	2.15	1.9	1.71	1.92
NPAs / Equity	14.44	16.87	14.44	12	13.4
Allowance for Credit Losses / Net Charge-offs %	-	-	-	329.35	306.24
Allowance for Credit Losses / Nonperforming Loans %	166.88	156.56	164.15	184.31	161.67
Allowance for Credit Losses / Total Loans %	3.06	3.3	3.06	3.06	3
Net Charge-offs / Total Average Loans %	-	-	-	0.92	0.98
Provision for Loan Losses / Net Charge-offs %	-	-	-	116.17	105.22
Earning Assets / IBL	99.75	99.1	102.88	102.36	102.66
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.93	5.91	5.9	6.5	6.88
Total Average Equity / Total Average Assets %	7.43	7.31	7.25	7.45	7.44
Total Equity + Allowance for Loan Losses / Total Loans %	15.23	15.02	15.21	16.23	16.27
Gross Loans / Total Deposits %	74.24	73.65	73.9	72.33	69.9
Net Loans / Total Deposits %	71.97	71.22	71.64	70.12	67.81
Tier 1 Capital Ratio %	11.06	10.56	11.12	11.42	11.15
Total Capital Ratio %	13.09	12.59	13.67	14.52	13.98
Core Tier 1 Capital Ratio	9.68	9.21	9.83	9.9	9.61
Tier 2 Capital Ratio	2.03	2.02	2.54	3.1	2.83
Coverage Ratio	72.26	63.38	69.09	71.82	91.57
Interbank Ratio	140.7	142.14	90.7	131.56	249.55
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.19	1.18	1.12	1.06	1.07
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	10.83	-5	-10.76	-17.9	0.54
Non Interest Income, 1 Yr. Growth %	12.21	1.05	-60.36	41.14	-23.26
Provision For Loan Losses, 1 Yr. Growth %	59.71	-15.26	-20.88	-7.6	-6.35
Total Revenues, 1 Yr. Growth %	-17.68	8.94	-18.23	-17.27	0.64
Earnings From Cont. Operations, 1 Yr. Growth %	-28.43	6.92	-19.27	-25.89	2
Net Income, 1 Yr. Growth %	-37.51	9.98	-24.56	-21.02	1.98
Normalized Net Income, 1 Yr. Growth %	-40.74	4.06	-47.41	-50.92	4.51
Diluted EPS Before Extra, 1 Yr. Growth %	-42.13	-3.76	-30.89	-43.36	26.42
Dividend Per Share, 1 Yr. Growth %	-47.5	0	-61.9	12.5	2.22
Gross Loans, 1 Yr. Growth %	15.6	5.22	5.69	-1.52	-1.97
Allowance For Loan Losses, 1 Yr. Growth %	27.61	13.65	-1.94	-1.71	-3.85
Net Loans, 1 Yr. Growth %	15.25	4.95	5.95	-1.51	-1.91
Non Performing Loans, 1 Yr. Growth %	16.88	21.14	-6.48	-12.46	9.61
Non Performing Assets, 1 Yr. Growth %	15.29	18.64	-6.37	-11.34	9.66
Total Assets, 1 Yr. Growth %	13.01	6.18	6.53	3.68	1.29
Total Deposits, 1 Yr Growth %	8.09	6.07	5.32	2.75	1.44
Tangible Book Value, 1 Yr. Growth %	17.92	1.4	10.93	20.23	-1.13
Average Interest Earning Assets, 1 Yr. Growth %	11.24	12.44	8.37	3.4	3.53
Average Interest Bearing Liabilities, 1 Yr. Growth %	12.92	13.17	4.39	3.92	3.23
Common Equity, 1 Yr. Growth %	17.67	1.5	10.87	20.06	-1.19
Total Equity, 1 Yr. Growth %	14.5	1.57	9.4	6.61	-1.77
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	1.77	2.61	-7.92	-14.4	-9.15
Non Interest Income, 2 Yr. CAGR %	-8.54	6.48	-36.71	-25.2	4.08
Provision For Loan Losses, 2 Yr. CAGR %	33.1	16.33	-18.12	-14.49	-6.97
Total Revenues, 2 Yr. CAGR %	-18.55	-5.3	-5.61	-17.75	-8.76
Earnings From Cont. Operations, 2 Yr. CAGR %	-30.91	-12.52	-7.09	-22.65	-13.06
Net Income, 2 Yr. CAGR %	-35.02	-17.1	-8.91	-22.81	-10.25
Normalized Net Income, 2 Yr. CAGR %	-38.31	-21.47	-26.03	-49.2	-28.38
Diluted EPS Before Extra, 2 Yr. CAGR %	-41.7	-25.37	-18.44	-37.44	-15.38
Dividend Per Share, 2 Yr. CAGR %	-27.54	-27.54	-38.28	-34.53	7.24
Gross Loans, 2 Yr. CAGR %	17.06	10.28	5.45	2.02	-1.74
Allowance For Loan Losses, 2 Yr. CAGR %	9.03	20.43	5.57	-1.83	-2.79
Net Loans, 2 Yr. CAGR %	17.34	9.98	5.45	2.15	-1.71
Non Performing Loans, 2 Yr. CAGR %	20.35	18.99	6.44	-9.52	-2.05
Non Performing Assets, 2 Yr. CAGR %	19.01	16.95	5.4	-8.89	-1.4
Total Assets, 2 Yr. CAGR %	13.98	9.54	6.36	5.1	2.48
Total Deposits, 2 Yr CAGR %	12.57	7.08	5.69	2.95	2.09
Tangible Book Value, 2 Yr. CAGR %	9.64	9.35	6.06	15.49	9.03
Average Interest Earning Assets, 2 Yr. CAGR %	17.12	11.83	10.39	5.86	3.47
Average Interest Bearing Liabilities, 2 Yr. CAGR %	16.02	13.05	8.69	4.16	3.58
Common Equity, 2 Yr. CAGR %	9.53	9.28	6.08	15.38	8.92
Total Equity, 2 Yr. CAGR %	8.57	7.84	5.41	7.99	2.33
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	13.8	-0.53	-2.05	-11.38	-9.69
Non Interest Income, 3 Yr. CAGR %	-19.06	-5.45	-23.4	-17.31	-24.56
Provision For Loan Losses, 3 Yr. CAGR %	29.09	14.5	2.31	-14.75	-11.86
Total Revenues, 3 Yr. CAGR %	-9.66	-10.26	-9.82	-9.67	-12.03
Earnings From Cont. Operations, 3 Yr. CAGR %	-17.93	-20.08	-14.83	-13.84	-15.18
Net Income, 3 Yr. CAGR %	-21.35	-22.56	-19.67	-13.14	-15.3
Normalized Net Income, 3 Yr. CAGR %	-25.19	-26.56	-31.3	-35.48	-35.39
Diluted EPS Before Extra, 3 Yr. CAGR %	-26.84	-31.1	-27.26	-27.78	-20.9
Dividend Per Share, 3 Yr. CAGR %	-19.33	-19.33	-41.52	-24.61	-24.05
Gross Loans, 3 Yr. CAGR %	20.27	12.97	8.73	3.08	0.67
Allowance For Loan Losses, 3 Yr. CAGR %	15.59	10.55	12.46	3.08	-2.51
Net Loans, 3 Yr. CAGR %	20.44	13.06	8.62	3.08	0.78
Non Performing Loans, 3 Yr. CAGR %	35.86	20.61	9.81	-0.28	-3.55
Non Performing Assets, 3 Yr. CAGR %	36.05	18.89	8.6	-0.51	-3.08
Total Assets, 3 Yr. CAGR %	15.03	11.32	8.53	5.46	3.81
Total Deposits, 3 Yr CAGR %	13.55	10.36	6.49	3.98	2.44
Tangible Book Value, 3 Yr. CAGR %	10.4	6.82	9.87	10.59	9.66
Average Interest Earning Assets, 3 Yr. CAGR %	15.97	15.54	10.67	8.01	5.08
Average Interest Bearing Liabilities, 3 Yr. CAGR %	13.77	15.06	10.09	7.08	3.85
Common Equity, 3 Yr. CAGR %	9.92	6.78	9.81	10.55	9.57
Total Equity, 3 Yr. CAGR %	16.06	6.18	8.36	5.81	4.63
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	12.88	9.7	4.56	-6.33	-4.95
Non Interest Income, 5 Yr. CAGR %	-3.01	17.3	-26.64	-13.91	-13.41
Provision For Loan Losses, 5 Yr. CAGR %	30.93	68.26	7.6	1.88	-1.51
Total Revenues, 5 Yr. CAGR %	-1.8	-1.25	-8.06	-13.34	-9.4
Earnings From Cont. Operations, 5 Yr. CAGR %	-5.86	-7.28	-13.76	-21.12	-14.13
Net Income, 5 Yr. CAGR %	-8.77	-9.36	-16.59	-22.66	-16.03
Normalized Net Income, 5 Yr. CAGR %	-11.38	-12.85	-25.52	-36.63	-30.15
Diluted EPS Before Extra, 5 Yr. CAGR %	-15.82	-16.89	-23.59	-33.71	-22.72
Dividend Per Share, 5 Yr. CAGR %	-	-12.09	-27.52	-25.79	-25.47
Gross Loans, 5 Yr. CAGR %	21.75	18.67	14.11	8.46	4.41
Allowance For Loan Losses, 5 Yr. CAGR %	20.37	22.42	11.47	5.42	6.09
Net Loans, 5 Yr. CAGR %	21.79	18.55	14.2	8.56	4.36
Non Performing Loans, 5 Yr. CAGR %	22.01	26.81	23.22	7.51	4.9
Non Performing Assets, 5 Yr. CAGR %	20.38	25.23	22.84	6.88	4.48
Total Assets, 5 Yr. CAGR %	11.94	10.89	11.48	8.79	6.07
Total Deposits, 5 Yr CAGR %	14.13	12.04	10.34	7.33	4.27
Tangible Book Value, 5 Yr. CAGR %	14.17	9.18	8.64	10.21	9.53
Average Interest Earning Assets, 5 Yr. CAGR %	12.56	9.78	13.71	11.56	7.73
Average Interest Bearing Liabilities, 5 Yr. CAGR %	12.44	10.36	11.71	10.57	7.43
Common Equity, 5 Yr. CAGR %	14.39	9.13	8.37	10.14	9.45
Total Equity, 5 Yr. CAGR %	18.09	12.73	11.68	6.9	5.9