INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED

Income Statement Industrial and Commercial Bank of China Limited

Equities

1398

CNE1000003G1

Banks

Market Closed - Hong Kong S.E. Other stock markets 04:08:35 2025-07-18 EDT			5-day change	1st Jan Change
6.190 ^HKD	+0.81%		-0.32%	+18.81%

07-14	ICBC Sells 50 Billion Yuan Bonds	MT
07-14	Industrial and Commercial Bank of China Limited Announces Completion of the Issuance of 2025 Tier 2 Capital Notes	CI

2d79cafec65c3da3ad531935286de.fCPvsi0tsgkOTREY8QSnOcxilsSYzN0j2VbYvtfNDk0.NRK39hhm8UJEKkdAlHTVfLwVxLHzh69TtRL1hpy9YRwyWaD9QkroUEAnRA

Published financial data: INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	1,093B	1,162B	1,280B	1,405B	1,428B
Interest Income, Total	1,093B	1,162B	1,280B	1,405B	1,428B
Interest On Deposits	446B	472B	587B	750B	791B
Interest Expense, Total	446B	472B	587B	750B	791B
Net Interest Income	647B	691B	694B	655B	637B
Income From Trading Activities	2.22B	8.96B	8.61B	14.93B	19.44B
Gain (Loss) on Sale of Assets	1.32B	2.18B	1.59B	1.92B	1.35B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	11.83B	16.44B	6.32B	21.56B	22.96B
Income (Loss) on Equity Invest. (Income Block)	-	-	-	-	-
Total Other Non Interest Income	138B	143B	131B	113B	105B
Non Interest Income, Total	153B	170B	148B	151B	149B
Revenues Before Provison For Loan Losses	800B	861B	841B	806B	786B
Provision For Loan Losses	198B	200B	179B	150B	126B
Total Revenues	602B	661B	662B	657B	660B
Salaries And Other Employee Benefits	127B	139B	144B	141B	145B
Amort. of Goodwill & Intang. Assets	2.61B	3.12B	3.72B	4.43B	5.16B
Occupancy Expense	27.96B	28.82B	29.03B	28.53B	27.27B
Selling General & Admin Expenses, Total	-	-	-	-	-
(Income) Loss on Equity Invest.	-1.3B	-2.87B	-4.43B	-5.02B	-4.52B
Total Other Non Interest Expense	49.45B	64.92B	64.63B	64.33B	65.2B
Non Operating (Income) Expenses	-	-	-	-	-
Non Interest Expense, Total	205B	233B	236B	234B	238B
EBT, Excl. Unusual Items	396B	427B	426B	423B	423B
Impairment of Goodwill	-359M	-	-	-	-
Asset Writedown	-3.81B	-2.53B	-3.48B	-1.3B	-891M
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	392B	425B	423B	422B	422B
Income Tax Expense	74.44B	74.68B	61.53B	56.85B	54.88B
Earnings From Continuing Operations	318B	350B	361B	365B	367B
Net Income to Company	318B	350B	361B	365B	367B
Minority Interest	-1.78B	-1.88B	-555M	-1.12B	-1.08B
Net Income - (IS)	316B	348B	360B	364B	366B
Preferred Dividend and Other Adjustments	8.84B	9.61B	14.81B	14.96B	14.96B
Net Income to Common Incl Extra Items	307B	339B	346B	349B	351B
Net Income to Common Excl. Extra Items	307B	339B	346B	349B	351B
Per Share Items
Net EPS - Basic	0.86	0.95	0.97	0.98	0.98
Basic EPS - Continuing Operations	0.86	0.95	0.97	0.98	0.98
Basic Weighted Average Shares Outstanding	356B	356B	356B	356B	356B
Net EPS - Diluted	0.86	0.95	0.97	0.98	0.98
Diluted EPS - Continuing Operations	0.86	0.95	0.97	0.98	0.98
Diluted Weighted Average Shares Outstanding	356B	356B	356B	356B	356B
Normalized Basic EPS	0.69	0.74	0.75	0.74	0.74
Normalized Diluted EPS	0.69	0.74	0.75	0.74	0.74
Dividend Per Share	0.27	0.29	0.3	0.31	0.31
Payout Ratio	32.45	29.97	33.11	33.83	33.94
American Depositary Receipts Ratio (ADR)	20	20	20	20	20
Supplemental Items
Effective Tax Rate - (Ratio)	18.98	17.58	14.56	13.47	13.01
Current Domestic Taxes	75.8B	81.23B	78.05B	59.84B	48.86B
Current Foreign Taxes	2.35B	1.95B	3.58B	5.21B	5B
Total Current Taxes	78.14B	83.18B	81.63B	65.05B	53.86B
Total Deferred Taxes	-3.7B	-8.49B	-20.11B	-8.2B	1.02B
Normalized Net Income	246B	265B	266B	263B	263B

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	926B	630B	812B	1,623B	1,193B
Investment Securities, Total	9,345B	9,932B	11,308B	12,934B	15,048B
Trading Asset Securities, Total	391B	346B	413B	447B	805B
Total investments	9,736B	10,278B	11,720B	13,381B	15,853B
Gross Loans	18,624B	20,667B	23,212B	26,086B	28,372B
Allowance For Loan Losses	-530B	-604B	-672B	-756B	-815B
Net Loans	18,094B	20,063B	22,540B	25,330B	27,557B
Gross Property Plant And Equipment	513B	532B	563B	577B	602B
Accumulated Depreciation	-193B	-210B	-236B	-250B	-275B
Net Property Plant And Equipment	320B	322B	327B	327B	326B
Goodwill	8.59B	8.17B	8.8B	8.97B	19.16B
Other Intangibles, Total	16.22B	15.59B	14.94B	14.44B	13.96B
Accrued Interest Receivable	65.2B	66.75B	77.72B	83.8B	89.75B
Other Receivables	841B	599B	814B	513B	492B
Restricted Cash	2,602B	2,459B	2,648B	2,833B	2,635B
Other Current Assets, Total	287B	275B	281B	147B	210B
Deferred Tax Assets Long-Term (Collected)	67.71B	79.26B	102B	105B	90.05B
Other Real Estate Owned And Foreclosed	7.36B	6.21B	6.2B	3.39B	3.21B
Deferred Charges Long-Term	-	-	-	-	-
Other Long-Term Assets, Total	374B	368B	259B	328B	339B
Total Assets	33,345B	35,171B	39,610B	44,697B	48,822B
Liabilities
Accrued Expenses, Total	40.4B	49.2B	57.78B	60.71B	61.24B
Interest Bearing Deposits	26,945B	28,140B	31,760B	35,465B	37,933B
Non-Interest Bearing Deposits	571B	661B	693B	743B	775B
Total Deposits	27,516B	28,801B	32,453B	36,208B	38,708B
Short-Term Borrowings	903B	927B	1,192B	1,623B	2,292B
Current Portion of Long-Term Debt	52.98B	37.36B	145B	231B	170B
Current Portion of Leases	8.09B	8.32B	8.92B	8.07B	6.74B
Long-Term Debt	813B	813B	913B	1,377B	2,041B
Long-Term Leases	21.74B	20.02B	19.71B	16.78B	14.24B
Current Income Taxes Payable	89.78B	92.44B	85.58B	63.32B	31.88B
Accrued Interest Payable	270B	363B	458B	540B	595B
Pension & Other Post Retirement Benefits	490M	32M	19M	12M	7M
Deferred Tax Liability Non-Current	2.88B	5.62B	3.8B	3.93B	4.28B
Other Non Current Liabilities	717B	779B	760B	789B	911B
Total Liabilities	30,436B	31,896B	36,096B	40,920B	44,834B
Preferred Stock Convertible	139B	135B	135B	135B	135B
Preferred Stock - Others	-118M	-	-	-	-
Total Preferred Equity	139B	135B	135B	135B	135B
Common Stock, Total	356B	356B	356B	356B	356B
Additional Paid In Capital	-	-	-	-	-
Retained Earnings	2,173B	1,978B	2,657B	2,902B	3,093B
Comprehensive Income and Other	225B	789B	347B	364B	386B
Total Common Equity	2,754B	3,123B	3,361B	3,622B	3,835B
Minority Interest	16.01B	17.5B	18.66B	19.7B	17.42B
Total Equity	2,910B	3,275B	3,514B	3,777B	3,987B
Total Liabilities And Equity	33,345B	35,171B	39,610B	44,697B	48,822B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	356B	356B	356B	356B	356B
ECS Total Common Shares Outstanding	356B	356B	356B	356B	356B
Book Value / Share	7.48	8.15	8.81	9.55	10.23
Tangible Book Value	2,730B	3,099B	3,337B	3,599B	3,802B
Tangible Book Value Per Share	7.42	8.08	8.75	9.48	10.14
Average Assets	32,414B	34,742B	37,946B	42,410B	46,885B
Average Loans	17,979B	19,996B	22,248B	25,007B	27,600B
Total Debt	1,799B	1,806B	2,278B	3,256B	4,523B
Deposits at Interest - Cash	1,726B	1,374B	1,861B	2,689B	2,218B
Net Debt	-508B	-70.14B	-6.11B	-227B	1,094B
Equity Method Investments, Total	41.21B	61.78B	65.88B	64.78B	73.36B
Full Time Employees	440K	434K	428K	419K	415K
Number Of Offices	16.62K	16.59K	15.64K	15.5K	15.36K
Assets on Operating Lease - Gross	169B	181B	198B	204B	215B
Assets on Operating Lease - Accumulated Depreciation	-35.96B	-41.37B	-50.35B	-54.32B	-60.63B

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	316B	348B	360B	364B	366B
Depreciation, Depletion & Amortization	27.05B	28.19B	30.32B	30.34B	29.55B
Amortization of Goodwill and Intangible Assets - (CF)	2.61B	3.12B	3.72B	4.43B	5.16B
Total Depreciation, Depletion & Amortization	29.65B	31.32B	34.04B	34.77B	34.71B
Amortization of Deferred Charges, Total	-	-	-	-	-
(Gain) Loss On Sale of Asset - (CF)	-1.24B	-2.08B	-1.55B	-1.81B	-1.31B
(Gain) Loss on Sale of Investments - (CF)	-11.49B	-18.35B	-22.85B	-23.51B	-25.37B
Total Asset Writedown	18.04B	19.88B	50.8B	4.68B	-11.3B
Provision for Credit Losses	172B	168B	143B	143B	127B
(Income) Loss On Equity Investments - (CF)	-1.3B	-2.87B	-4.43B	-5.02B	-4.52B
Change in Trading Asset Securities	284B	143B	-45.21B	-26.74B	-190B
Change in Other Net Operating Assets (Collected)	-1,225B	-1,283B	-2,072B	-2,270B	-235B
Other Operating Activities	-243B	-269B	-294B	-337B	-354B
Cash from Operations	-662B	-864B	-1,852B	-2,117B	-294B
Capital Expenditure	-38B	-27.58B	-23.13B	-31.2B	-43.3B
Sale of Property, Plant, and Equipment	8.54B	13.01B	10.02B	7.53B	19.19B
Investment in Marketable and Equity Securities, Total	-1,357B	-942B	-1,224B	-1,229B	-1,934B
Other Investing Activities, Total	251B	282B	326B	361B	486B
Cash from Investing	-1,135B	-675B	-911B	-892B	-1,471B
Long-Term Debt Issued, Total	928B	835B	956B	1,422B	2,093B
Total Debt Issued	928B	835B	956B	1,422B	2,093B
Long-Term Debt Repaid, Total	-859B	-837B	-871B	-957B	-1,464B
Total Debt Repaid	-859B	-837B	-871B	-957B	-1,464B
Issuance of Common Stock	-	-	-	-	50B
Repurchase of Common Stock	-	-	-	-	-80B
Issuance of Preferred Stock	19.72B	140B	-	-	-
Repurchase of Preferred Stock	-	-11.16B	-	-	-
Common Dividends Paid	-97.22B	-98.36B	-114B	-117B	-118B
Preferred Dividends Paid	-5.28B	-6.05B	-5.8B	-5.84B	-5.82B
Common & Preferred Stock Dividends Paid	-103B	-104B	-119B	-123B	-124B
Net Increase (Decrease) in Deposit Accounts - (CF)	2,220B	1,225B	3,257B	3,534B	873B
Other Financing Activities, Total	-33.06B	-34.6B	-30.73B	-57.04B	-59.06B
Cash from Financing	2,173B	1,213B	3,192B	3,820B	1,288B
Foreign Exchange Rate Adjustments	-34.86B	-29.14B	60.85B	18.29B	11.26B
Net Change in Cash	341B	-354B	490B	829B	-465B
Supplemental Items
Cash Interest Paid	418B	378B	478B	667B	732B
Cash Income Tax Paid (Refund)	84.55B	82.65B	88.5B	87.32B	85.3B
Net Debt Issued / Repaid	68.9B	-1.18B	85.29B	466B	629B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	1	1.02	0.97	0.87	0.78
Return On Equity %	11.34	11.33	10.64	10.01	9.45
Return on Common Equity	11.56	11.26	10.66	10	9.41
Shareholders Value Added	-151M	-9.54B	-24.82B	-50.6B	-76.43B
Margin Analysis
SG&A Margin	25.69	25.45	26.04	25.87	26.02
Net Interest Income / Total Revenues %	107.51	104.52	104.71	99.71	96.52
EBT Excl. Non-Recurring Items Margin %	65.88	64.68	64.31	64.43	64.01
Income From Continuing Operations Margin %	52.81	53	54.5	55.58	55.57
Net Income Margin %	52.51	52.72	54.41	55.41	55.4
Net Avail. For Common Margin %	51.04	51.26	52.18	53.13	53.14
Normalized Net Income Margin	40.88	40.14	40.11	40.1	39.84
Asset quality
Nonperforming Loans / Total Loans %	1.58	1.42	1.38	1.36	1.34
Nonperforming Loans / Total Assets %	0.88	0.83	0.81	0.79	0.78
Nonperforming Assets / Total Assets %	0.9	0.85	0.83	0.8	0.78
NPAs / Loans and OREO	1.62	1.45	1.41	1.37	1.35
NPAs / Equity	10.36	9.15	9.32	9.45	9.6
Allowance for Credit Losses / Net Charge-offs %	459.74	656.42	888.86	1.3K	1.14K
Allowance for Credit Losses / Nonperforming Loans %	180.39	205.76	209.3	213.86	214.8
Allowance for Credit Losses / Total Loans %	2.85	2.92	2.9	2.9	2.87
Net Charge-offs / Total Average Loans %	0.64	0.46	0.34	0.23	0.26
Provision for Loan Losses / Net Charge-offs %	172.09	217.54	236.61	257.45	176.42
Earning Assets / IBL	112.83	113.24	111.82	110.81	110.37
Interest Income / Average Assets	3.37	3.35	3.37	3.31	3.05
Interest Expense / Average Assets	1.38	1.36	1.55	1.77	1.69
Net Interest Income / Average Assets	2	1.99	1.83	1.54	1.36
Non Interest Income / Average Assets	0.47	0.49	0.39	0.36	0.32
Non Interest Expense / Average Asset	0.63	0.67	0.62	0.55	0.51
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.37	8.78	8.67	8.28	7.97
Total Average Equity / Total Average Assets %	8.83	9.03	9.08	8.65	8.3
Total Equity + Allowance for Loan Losses / Total Loans %	18.38	18.68	17.95	17.3	16.86
Gross Loans / Total Deposits %	67.68	71.76	71.53	72.05	73.3
Net Loans / Total Deposits %	65.76	69.66	69.45	69.96	71.19
Tier 1 Capital Ratio %	14.28	14.94	15.64	15.17	15.36
Total Capital Ratio %	16.88	18.02	19.26	19.1	19.39
Core Tier 1 Capital Ratio	13.18	13.31	14.04	13.72	14.1
Tier 2 Capital Ratio	2.6	3.08	3.62	3.94	4.03
Coverage Ratio	180.39	205.76	209.3	213.86	214.8
Interbank Ratio	59.17	45.35	50.7	53.35	39.74
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.88	1.9	1.72	1.56	1.53
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	2.3	6.79	0.44	-5.34	-2.69
Non Interest Income, 1 Yr. Growth %	6.62	11.02	-13.19	0.72	-1.8
Provision For Loan Losses, 1 Yr. Growth %	13.12	0.62	-11.69	-16.56	-15.5
Total Revenues, 1 Yr. Growth %	0.18	9.91	0.64	-0.94	0.42
Earnings From Cont. Operations, 1 Yr. Growth %	1.38	10.24	3.09	0.83	0.5
Net Income, 1 Yr. Growth %	1.18	10.27	3.49	0.79	0.51
Normalized Net Income, 1 Yr. Growth %	0	7.97	0.77	-1.21	-0.11
Diluted EPS Before Extra, 1 Yr. Growth %	0	10.47	2.09	0.96	0.07
Dividend Per Share, 1 Yr. Growth %	1.22	10.26	3.48	0.96	0.52
Gross Loans, 1 Yr. Growth %	11.11	10.97	12.31	12.39	8.76
Allowance For Loan Losses, 1 Yr. Growth %	10.83	13.85	11.34	12.46	7.81
Net Loans, 1 Yr. Growth %	11.12	10.88	12.34	12.39	8.79
Non Performing Loans, 1 Yr. Growth %	22.4	-0.19	9.45	10.07	7.34
Non Performing Assets, 1 Yr. Growth %	20	-0.56	9.26	9.96	7.22
Total Assets, 1 Yr. Growth %	10.75	5.48	12.62	12.84	9.23
Total Deposits, 1 Yr Growth %	10.64	4.67	12.68	11.57	6.9
Tangible Book Value, 1 Yr. Growth %	7.87	8.04	7.66	7.82	5.65
Average Interest Earning Assets, 1 Yr. Growth %	9.56	8.66	10.57	12.74	10.58
Average Interest Bearing Liabilities, 1 Yr. Growth %	8.54	8.26	11.98	13.68	11.02
Common Equity, 1 Yr. Growth %	7.73	7.94	7.6	7.76	5.88
Total Equity, 1 Yr. Growth %	8.08	12.57	7.28	7.43	5.58
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	6.29	4.52	3.56	-2.62	-4.02
Non Interest Income, 2 Yr. CAGR %	-12.72	8.8	-1.83	-5.67	-0.55
Provision For Loan Losses, 2 Yr. CAGR %	11.91	6.78	-5.14	-14.1	-16.23
Total Revenues, 2 Yr. CAGR %	-1.12	4.9	4.97	-0.1	-0.21
Earnings From Cont. Operations, 2 Yr. CAGR %	3.12	5.72	6.61	2.11	0.67
Net Income, 2 Yr. CAGR %	3.02	5.63	6.82	2.22	0.65
Normalized Net Income, 2 Yr. CAGR %	2.59	3.86	4	-0.05	-0.66
Diluted EPS Before Extra, 2 Yr. CAGR %	2.41	5.1	6.2	1.53	0.51
Dividend Per Share, 2 Yr. CAGR %	3.03	5.64	6.82	2.21	0.74
Gross Loans, 2 Yr. CAGR %	8.89	11.04	11.64	12.35	10.56
Allowance For Loan Losses, 2 Yr. CAGR %	13.27	12.33	12.59	11.9	10.11
Net Loans, 2 Yr. CAGR %	8.77	11	11.61	12.36	10.58
Non Performing Loans, 2 Yr. CAGR %	11.83	10.53	4.52	9.76	8.7
Non Performing Assets, 2 Yr. CAGR %	11.03	9.24	4.23	9.14	8.58
Total Assets, 2 Yr. CAGR %	9.72	8.08	8.99	12.73	11.02
Total Deposits, 2 Yr CAGR %	9.73	7.61	8.6	12.12	9.21
Tangible Book Value, 2 Yr. CAGR %	10.86	10.67	7.85	7.76	6.73
Average Interest Earning Assets, 2 Yr. CAGR %	9.94	9.11	9.61	11.6	11.66
Average Interest Bearing Liabilities, 2 Yr. CAGR %	8.02	8.4	10.1	12.82	12.34
Common Equity, 2 Yr. CAGR %	10.63	10.52	7.77	7.69	6.81
Total Equity, 2 Yr. CAGR %	11.39	10.3	9.9	7.38	6.5
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	7.4	6.45	3.14	0.42	-2.64
Non Interest Income, 3 Yr. CAGR %	-9.34	-5.44	0.91	-0.41	-4.4
Provision For Loan Losses, 3 Yr. CAGR %	15.99	8.08	0.65	-9.07	-14.7
Total Revenues, 3 Yr. CAGR %	0.05	2.41	3.33	3	0.11
Earnings From Cont. Operations, 3 Yr. CAGR %	3.39	5.44	4.83	4.75	1.57
Net Income, 3 Yr. CAGR %	3.36	5.38	4.91	4.84	1.65
Normalized Net Income, 3 Yr. CAGR %	2.86	4.32	2.62	2.35	-0.07
Diluted EPS Before Extra, 3 Yr. CAGR %	2.87	5.03	4.09	4.43	1.04
Dividend Per Share, 3 Yr. CAGR %	3.37	5.38	4.92	4.83	1.64
Gross Loans, 3 Yr. CAGR %	9.38	9.58	11.46	11.89	11.14
Allowance For Loan Losses, 3 Yr. CAGR %	15.92	13.46	12	12.55	10.52
Net Loans, 3 Yr. CAGR %	9.21	9.47	11.45	11.87	11.16
Non Performing Loans, 3 Yr. CAGR %	9.98	7.67	10.17	6.34	8.95
Non Performing Assets, 3 Yr. CAGR %	9.48	7.02	9.24	5.8	8.49
Total Assets, 3 Yr. CAGR %	8.53	8.29	9.57	10.26	11.55
Total Deposits, 3 Yr CAGR %	9.36	8.01	9.28	9.58	10.36
Tangible Book Value, 3 Yr. CAGR %	10.58	11.75	9.66	7.85	7.05
Average Interest Earning Assets, 3 Yr. CAGR %	8.6	9.51	9.59	10.61	11.26
Average Interest Bearing Liabilities, 3 Yr. CAGR %	7.21	8.1	9.58	11.28	12.22
Common Equity, 3 Yr. CAGR %	10.38	11.54	9.54	7.78	7.09
Total Equity, 3 Yr. CAGR %	10.76	11.78	9.29	9.08	6.78
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	4.95	7.92	5.85	2.73	0.16
Non Interest Income, 5 Yr. CAGR %	-0.9	0.11	-6.41	-5.53	0.68
Provision For Loan Losses, 5 Yr. CAGR %	18.2	18.36	7.06	-1.16	-6.45
Total Revenues, 5 Yr. CAGR %	0.66	3.55	1.98	1.32	1.92
Earnings From Cont. Operations, 5 Yr. CAGR %	2.73	4.64	4.66	4.1	3.21
Net Income, 5 Yr. CAGR %	2.65	4.6	4.73	4.1	3.22
Normalized Net Income, 5 Yr. CAGR %	1.67	3.21	3.3	2.43	1.36
Diluted EPS Before Extra, 5 Yr. CAGR %	2.19	4.34	4.19	3.61	2.65
Dividend Per Share, 5 Yr. CAGR %	2.66	4.59	4.74	4.1	3.22
Gross Loans, 5 Yr. CAGR %	9.31	9.62	10.28	10.68	11.1
Allowance For Loan Losses, 5 Yr. CAGR %	13.57	15.84	14.57	12.83	11.24
Net Loans, 5 Yr. CAGR %	9.2	9.46	10.16	10.62	11.1
Non Performing Loans, 5 Yr. CAGR %	10.37	6.74	7.76	8.5	9.58
Non Performing Assets, 5 Yr. CAGR %	10.09	6.37	7.35	7.86	8.79
Total Assets, 5 Yr. CAGR %	8.47	7.82	8.71	10.04	10.15
Total Deposits, 5 Yr CAGR %	8.52	8.03	9.06	9.64	9.25
Tangible Book Value, 5 Yr. CAGR %	10.18	10.73	10.57	10.13	8.48
Average Interest Earning Assets, 5 Yr. CAGR %	7.9	8.38	9	10.34	10.4
Average Interest Bearing Liabilities, 5 Yr. CAGR %	7.26	7.6	8.36	9.96	10.68
Common Equity, 5 Yr. CAGR %	10	10.56	10.41	9.99	8.45
Total Equity, 5 Yr. CAGR %	10.07	10.58	10.42	10	8.17