Balance Sheet ING Groep N.V.

Equities

INGA

NL0011821202

Banks

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481e9c33b62d441905796d13ac2861.fbTMAfFSd0Iq1d2cvWhQWMaec5PtHmDrdB3GsogDvMM.L4CWZLUaLi1Evqvt5ScmH4DEAuePchG_NUzy98NOjolMg61QhGFCcECb6Q

Published financial data: ING GROEP N.V.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	18.64B	24.44B	44.66B	49.47B	43.76B
Interest Income On Investments	2.47B	3.93B	7.74B	9.68B	7.57B
Interest Income, Total	21.11B	28.37B	52.4B	59.16B	51.33B
Interest On Deposits	5.53B	10.02B	28.51B	34.88B	29.72B
Total Interest On Borrowings	1.97B	3.76B	7.73B	8.99B	6.65B
Interest Expense, Total	7.5B	13.78B	36.24B	43.87B	36.37B
Net Interest Income	13.61B	14.59B	16.16B	15.29B	14.96B
Gain (Loss) on Sale of Assets	-29M	6M	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	42M	-165M	-13M	-141M	19M
Income (Loss) on Equity Invest. (Income Block)	141M	92M	149M	205M	209M
Total Other Non Interest Income	4.65B	16.23B	2.07B	5.9B	10.58B
Non Interest Income, Total	4.8B	16.16B	2.2B	5.96B	10.81B
Revenues Before Provison For Loan Losses	18.42B	30.75B	18.36B	21.25B	25.76B
Provision For Loan Losses	516M	1.33B	738M	1.19B	1.3B
Total Revenues	17.9B	29.42B	17.63B	20.05B	24.46B
Salaries And Other Employee Benefits	5.91B	6.13B	6.69B	7.14B	7.55B
Selling General & Admin Expenses, Total	336M	357M	400M	486M	323M
Total Other Non Interest Expense	4.57B	4.42B	4.21B	4.22B	4.17B
Non Interest Expense, Total	10.82B	10.9B	11.3B	11.85B	12.04B
EBT, Excl. Unusual Items	7.08B	18.52B	6.33B	8.21B	12.42B
Restructuring Charges	-214M	-170M	-173M	-142M	-289M
Total Merger & Related Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-	-32M	-	-	-
Asset Writedown	-121M	-47M	-38M	-31M	-16M
Legal Settlements	-39M	-51M	-52M	-101M	-238M
Other Unusual Items	70.92M	-867M	-26.73M	-159M	-85.79M
EBT, Incl. Unusual Items	6.78B	17.36B	6.04B	7.77B	11.79B
Income Tax Expense	1.88B	5.13B	1.66B	2.18B	3.19B
Earnings From Continuing Operations	4.9B	12.23B	4.38B	5.59B	8.6B
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	4.9B	12.23B	4.38B	5.59B	8.6B
Minority Interest	-128M	-102M	-235M	-258M	-275M
Net Income - (IS)	4.78B	12.13B	4.14B	5.33B	8.32B
Net Income to Common Incl Extra Items	4.78B	12.13B	4.14B	5.33B	8.32B
Net Income to Common Excl. Extra Items	4.78B	12.13B	4.14B	5.33B	8.32B
Per Share Items
Net EPS - Basic	1.23	3.35	1.16	1.65	2.78
Basic EPS - Continuing Operations	1.23	3.35	1.16	1.65	2.78
Basic Weighted Average Shares Outstanding	3.89B	3.62B	3.56B	3.23B	2.99B
Net EPS - Diluted	1.23	3.35	1.16	1.65	2.78
Diluted EPS - Continuing Operations	1.23	3.35	1.16	1.65	2.78
Diluted Weighted Average Shares Outstanding	3.89B	3.62B	3.57B	3.23B	2.99B
Normalized Basic EPS	1.11	3.17	1.04	1.51	2.5
Normalized Diluted EPS	1.11	3.17	1.04	1.51	2.5
Dividend Per Share	0.89	0.56	1.11	1.06	1.09
Payout Ratio	49.04	25.51	71.67	72.72	46.66
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	27.68	29.55	27.53	28.06	27.07
Current Domestic Taxes	459M	498M	601M	454M	510M
Current Foreign Taxes	1.45B	1.51B	2.12B	1.98B	1.94B
Total Current Taxes	1.91B	2.01B	2.72B	2.43B	2.45B
Deferred Domestic Taxes	47M	901M	-141M	65M	323M
Deferred Foreign Taxes	-78M	2.22B	-918M	-315M	417M
Total Deferred Taxes	-31M	3.12B	-1.06B	-250M	740M
Normalized Net Income	4.3B	11.48B	3.72B	4.87B	7.49B
Non-Cash Pension Expense	-6M	-7M	-22M	-19M	-21M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	31M	26M	31M	45M	52M
Total Stock-Based Compensation	31M	26M	31M	45M	52M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	9.83B	15.63B	9.52B	6.63B	10.08B
Investment Securities, Total	135B	142B	155B	158B	167B
Trading Asset Securities, Total	47.29B	54.42B	59.63B	81.39B	81.96B
Total investments	183B	196B	214B	239B	249B
Gross Loans	649B	672B	662B	704B	744B
Allowance For Loan Losses	-5.3B	-6.02B	-5.65B	-5.86B	-5.91B
Other Adjustments to Gross Loans	-525M	-792M	-1.04B	-1.14B	-1.12B
Net Loans	643B	665B	656B	697B	737B
Gross Property Plant And Equipment	6.4B	6.38B	6.04B	6.21B	6.19B
Accumulated Depreciation	-3.89B	-3.93B	-3.64B	-3.77B	-3.71B
Net Property Plant And Equipment	2.52B	2.45B	2.4B	2.43B	2.48B
Goodwill	472M	464M	469M	476M	477M
Other Intangibles, Total	684M	638M	729M	858M	1.03B
Investment in Real Estate	26M	18M	14M	19M	27M
Accrued Interest Receivable	798M	917M	523M	499M	480M
Other Receivables	549M	349M	311M	485M	458M
Restricted Cash	105B	85.93B	88.63B	68.71B	51.13B
Other Current Assets, Total	2.48B	5.22B	4.34B	3.98B	5.09B
Deferred Tax Assets Long-Term (Collected)	957M	1.42B	1.08B	1B	788M
Other Real Estate Owned And Foreclosed	-	-	-	-	-
Other Long-Term Assets, Total	2.7B	2.69B	2.24B	2.45B	2.38B
Total Assets	951B	977B	980B	1,024B	1,060B
Liabilities
Accrued Expenses, Total	1.02B	998M	1.36B	1.68B	1.64B
Interest Bearing Deposits	672B	670B	648B	681B	710B
Non-Interest Bearing Deposits	30.39B	26.96B	25.73B	27.34B	30.16B
Total Deposits	702B	697B	674B	708B	740B
Short-Term Borrowings	55.25B	77.05B	70.88B	66.69B	68.23B
Current Portion of Long-Term Debt	37.95B	37.22B	49.13B	53.6B	62.8B
Current Portion of Leases	217M	232M	237M	226M	221M
Long-Term Debt	76.85B	81.1B	99.71B	117B	115B
Long-Term Leases	1B	941M	925M	890M	829M
Current Income Taxes Payable	271M	325M	396M	276M	411M
Accrued Interest Payable	-	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	9B	9.06B	14.81B	9.66B	3.44B
Pension & Other Post Retirement Benefits	299M	168M	194M	190M	183M
Deferred Tax Liability Non-Current	603M	2.65B	1.45B	1.21B	1.9B
Other Non Current Liabilities	11.78B	12.66B	12.05B	10.74B	10.09B
Total Liabilities	897B	920B	925B	970B	1,005B
Common Stock, Total	39M	37M	35M	31M	30M
Additional Paid In Capital	17.1B	17.12B	17.12B	17.12B	17.12B
Retained Earnings	37.32B	41.54B	40.3B	36.24B	40.02B
Treasury Stock	-	-1.2B	-1.99B	-765M	-2.4B
Comprehensive Income and Other	-543M	-987M	-772M	77M	-676M
Total Common Equity	53.92B	56.5B	54.68B	52.7B	54.08B
Minority Interest	736M	504M	944M	995M	1.26B
Total Equity	54.66B	57B	55.63B	53.7B	55.34B
Total Liabilities And Equity	951B	977B	980B	1,024B	1,060B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	3.78B	3.62B	3.34B	3.1B	2.9B
ECS Total Common Shares Outstanding	3.78B	3.62B	3.34B	3.1B	2.9B
Book Value / Share	14.28	15.61	16.35	17.02	18.63
Tangible Book Value	52.76B	55.4B	53.49B	51.37B	52.57B
Tangible Book Value Per Share	13.97	15.31	16	16.59	18.11
Average Assets	-	1,035B	1,027B	1,041B	1,087B
Average Loans	-	655B	646B	665B	704B
Total Debt	171B	197B	221B	238B	247B
Deposits at Interest - Cash	106B	93.71B	91.43B	67.42B	52.39B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-556M	-477M	-391M	-416M	-388M
Net Debt	66.23B	72.3B	93.38B	96.07B	104B
Equity Method Investments, Total	1.59B	1.5B	1.51B	1.68B	1.61B
Full Time Employees	57K	57.57K	60K	60K	60K
Part Time Employees	-	-	-	-	-
Assets on Operating Lease - Gross	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	4.78B	12.13B	4.14B	5.33B	8.32B
Depreciation, Depletion & Amortization	573M	485M	461M	457M	442M
Amortization of Goodwill and Intangible Assets - (CF)	1M	-	-	1M	-
Total Depreciation, Depletion & Amortization	574M	485M	461M	458M	442M
Amortization of Deferred Charges, Total	260M	226M	213M	215M	223M
Total Asset Writedown	-	-	1.81B	1.01B	1.07B
Provision for Credit Losses	516M	1.86B	520M	1.19B	1.3B
Change in Trading Asset Securities	-282M	-9.59B	-10.5B	-12.35B	-552M
Change in Other Net Operating Assets (Collected)	-40.11B	-11.73B	15.86B	-52.23B	-54.89B
Other Operating Activities	547M	-2.57B	-543M	554M	397M
Cash from Operations	-33.72B	-9.19B	11.95B	-55.82B	-43.68B
Capital Expenditure	-184M	-231M	-246M	-332M	-351M
Sale of Property, Plant, and Equipment	39M	83M	57M	50M	39M
Cash Acquisitions	-	-	-	-	-
Divestitures	27M	7M	-	-	-
Investment in Marketable and Equity Securities, Total	6.34B	-5.17B	-8.36B	-5.75B	-15.38B
Net (Increase) Decrease in Loans Originated / Sold - Investing	-	-	-	-	-
Other Investing Activities, Total	-1M	-	1M	-	-1M
Cash from Investing	6.22B	-5.31B	-8.54B	-6.03B	-15.7B
Long-Term Debt Issued, Total	88.28B	93.69B	119B	129B	154B
Total Debt Issued	88.28B	93.69B	119B	129B	154B
Long-Term Debt Repaid, Total	-78.9B	-84.23B	-93.76B	-116B	-138B
Total Debt Repaid	-78.9B	-84.23B	-93.76B	-116B	-138B
Issuance of Common Stock	-	-	-	-	-
Repurchase of Common Stock	-1.61B	-1.72B	-3.53B	-3.82B	-3.7B
Common Dividends Paid	-2.34B	-3.09B	-2.97B	-3.88B	-3.88B
Common & Preferred Stock Dividends Paid	-2.34B	-3.09B	-2.97B	-3.88B	-3.88B
Net Increase (Decrease) in Deposit Accounts - (CF)	18.78B	-1.92B	-23.29B	33.27B	37.3B
Other Financing Activities, Total	-39M	-1M	-	1M	1M
Cash from Financing	24.16B	2.73B	-4.89B	38.65B	45.55B
Foreign Exchange Rate Adjustments	-565M	-504M	-898M	-740M	-1.09B
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	-3.9B	-12.27B	-2.38B	-23.94B	-14.92B
Supplemental Items
Cash Interest Paid	8.7B	14.19B	33.73B	41.19B	37.67B
Cash Income Tax Paid (Refund)	1.87B	1.47B	2.7B	2.75B	2.37B
Net Debt Issued / Repaid	9.38B	9.46B	24.9B	13.07B	15.83B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.52	1.27	0.45	0.56	0.83
Return On Equity %	8.89	22.27	7.77	10.23	15.77
Return on Common Equity	8.8	22.34	7.45	9.93	15.59
Shareholders Value Added	-1.6B	5.72B	-2.42B	-1.02B	2.1B
Margin Analysis
SG&A Margin	34.89	22.03	40.24	38.02	32.17
Net Interest Income / Total Revenues %	76.05	49.59	91.69	76.23	61.15
EBT Excl. Non-Recurring Items Margin %	39.57	62.96	35.89	40.92	50.78
Income From Continuing Operations Margin %	27.4	41.56	24.82	27.88	35.16
Net Income Margin %	26.68	41.21	23.49	26.6	34.03
Net Avail. For Common Margin %	26.68	41.21	23.49	26.6	34.03
Normalized Net Income Margin	24.02	39	21.1	24.29	30.61
Asset quality
Nonperforming Loans / Total Loans %	1.85	1.74	1.76	1.89	1.75
Nonperforming Loans / Total Assets %	1.26	1.2	1.19	1.3	1.22
Nonperforming Assets / Total Assets %	1.27	1.2	1.19	1.3	1.23
NPAs / Loans and OREO	1.86	1.75	1.76	1.89	1.75
NPAs / Equity	22.09	20.57	21.01	24.79	23.49
Allowance for Credit Losses / Net Charge-offs %	654.64	568.56	543.37	617.62	672.58
Allowance for Credit Losses / Nonperforming Loans %	44.06	51.5	48.49	44.04	45.54
Allowance for Credit Losses / Total Loans %	0.82	0.9	0.85	0.83	0.79
Net Charge-offs / Total Average Loans %	-	0.16	0.16	0.14	0.12
Provision for Loan Losses / Net Charge-offs %	63.78	125.4	70.96	125.95	148.35
Earning Assets / IBL	-	105.17	103.97	102.34	101.76
Interest Income / Average Assets	-	2.74	5.1	5.68	4.72
Interest Expense / Average Assets	-	1.33	3.53	4.21	3.35
Net Interest Income / Average Assets	-	1.41	1.57	1.47	1.38
Non Interest Income / Average Assets	-	1.56	0.21	0.57	0.99
Non Interest Expense / Average Asset	-	1.05	1.1	1.14	1.11
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.75	5.64	5.68	5.36	5.12
Total Average Equity / Total Average Assets %	5.84	5.7	5.75	5.45	5.23
Total Equity + Allowance for Loan Losses / Total Loans %	9.13	9.31	9.11	8.32	8.07
Gross Loans / Total Deposits %	92.35	96.29	98.33	99.37	100.53
Net Loans / Total Deposits %	91.52	95.31	97.34	98.38	99.58
Tier 1 Capital Ratio %	18.09	16.38	16.89	16	15.3
Total Capital Ratio %	21.02	19.4	19.76	18.9	18.4
Core Tier 1 Capital Ratio	15.89	14.47	14.68	13.6	13.1
Tier 2 Capital Ratio	2.93	3.02	2.87	2.97	3.14
Coverage Ratio	44.06	51.5	48.49	44.04	45.54
Interbank Ratio	25.43	27.74	49.27	65.74	77.59
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	4.45	5.61	1.78	1.86	2.77
EBT + Interest Expense / Interest Expense	1.9	2.26	1.17	1.18	1.32
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	0.08	4.23	10.77	-5.41	-2.17
Non Interest Income, 1 Yr. Growth %	17.43	168.33	-86.37	170.66	81.31
Provision For Loan Losses, 1 Yr. Growth %	-80.71	157.36	-44.43	61.79	9.21
Total Revenues, 1 Yr. Growth %	19.2	50.84	-40.09	13.77	21.97
Earnings From Cont. Operations, 1 Yr. Growth %	91.34	101.15	-64.22	27.82	53.77
Net Income, 1 Yr. Growth %	92.19	103.76	-65.86	28.84	56.06
Normalized Net Income, 1 Yr. Growth %	53.87	116.45	-67.59	30.96	51.77
Diluted EPS Before Extra, 1 Yr. Growth %	92.71	118.95	-65.37	42.24	68.48
Dividend Per Share, 1 Yr. Growth %	641.67	-37.19	97.85	-4.16	2.45
Gross Loans, 1 Yr. Growth %	4.63	3.91	-1.38	6.29	5.66
Allowance For Loan Losses, 1 Yr. Growth %	-8.72	13.69	-6.15	3.61	0.97
Net Loans, 1 Yr. Growth %	4.76	3.79	-1.38	6.31	5.71
Non Performing Loans, 1 Yr. Growth %	-10.94	-2.75	-0.33	14.09	-2.36
Non Performing Assets, 1 Yr. Growth %	-11.03	-2.88	-0.34	13.93	-2.37
Total Assets, 1 Yr. Growth %	1.5	2.91	0.35	4.44	3.56
Total Deposits, 1 Yr Growth %	2.13	-0.72	-3.43	5.17	4.45
Tangible Book Value, 1 Yr. Growth %	-0.9	8.82	-3.45	-3.96	2.34
Average Interest Earning Assets, 1 Yr. Growth %	-	5.41	-0.92	0.72	5.23
Average Interest Bearing Liabilities, 1 Yr. Growth %	-	3.88	0.22	2.33	5.82
Common Equity, 1 Yr. Growth %	-1.31	8.52	-3.21	-3.62	2.62
Total Equity, 1 Yr. Growth %	-1.8	7.96	-2.41	-3.47	3.05
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-1.67	3.77	7.45	2.36	-3.8
Non Interest Income, 2 Yr. CAGR %	7.59	108.11	-39.53	-39.27	121.53
Provision For Loan Losses, 2 Yr. CAGR %	-32.12	-29.54	19.59	-5.18	32.93
Total Revenues, 2 Yr. CAGR %	2.29	41.93	-4.94	-17.44	17.8
Earnings From Cont. Operations, 2 Yr. CAGR %	0.25	129.18	-15.17	-32.38	40.2
Net Income, 2 Yr. CAGR %	-0.05	132.15	-16.59	-33.68	41.8
Normalized Net Income, 2 Yr. CAGR %	1.61	113.24	-16.05	-34.76	45.13
Diluted EPS Before Extra, 2 Yr. CAGR %	0.03	140.94	-12.93	-29.82	54.81
Dividend Per Share, 2 Yr. CAGR %	92.57	115.83	11.48	37.7	-0.91
Gross Loans, 2 Yr. CAGR %	0.47	4.08	1.23	2.38	5.97
Allowance For Loan Losses, 2 Yr. CAGR %	7.31	1.87	3.3	-1.39	2.28
Net Loans, 2 Yr. CAGR %	0.43	4.08	1.17	2.39	6.01
Non Performing Loans, 2 Yr. CAGR %	2.34	-6.93	-1.54	6.64	5.54
Non Performing Assets, 2 Yr. CAGR %	2.13	-7.04	-1.62	6.56	5.47
Total Assets, 2 Yr. CAGR %	3.28	2.09	1.62	2.38	4
Total Deposits, 2 Yr CAGR %	7.37	0.7	-2.08	0.78	4.81
Tangible Book Value, 2 Yr. CAGR %	0.87	2	2.5	-3.71	-0.86
Average Interest Earning Assets, 2 Yr. CAGR %	-	4.69	2.2	-0.1	2.95
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	4.09	2.04	1.27	4.06
Common Equity, 2 Yr. CAGR %	0.14	1.69	2.48	-3.42	-0.55
Total Equity, 2 Yr. CAGR %	-0.01	1.2	2.64	-2.94	-0.26
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-0.73	1.2	6.05	2.98	0.83
Non Interest Income, 3 Yr. CAGR %	4.07	57.33	-16.12	-0.34	-12.55
Provision For Loan Losses, 3 Yr. CAGR %	-7.69	5.84	-34.9	32.27	-0.61
Total Revenues, 3 Yr. CAGR %	0.72	19.81	6.46	0.93	-5.97
Earnings From Cont. Operations, 3 Yr. CAGR %	0.64	35.82	23.4	-2.75	-11.07
Net Income, 3 Yr. CAGR %	0.51	36.37	22.54	-3.58	-11.79
Normalized Net Income, 3 Yr. CAGR %	-2.68	40.2	13.8	-2.64	-13.19
Diluted EPS Before Extra, 3 Yr. CAGR %	0.52	39.75	26.2	2.55	-6.03
Dividend Per Share, 3 Yr. CAGR %	9.39	32.56	109.66	6	24.78
Gross Loans, 3 Yr. CAGR %	1.57	1.48	2.23	2.89	3.46
Allowance For Loan Losses, 3 Yr. CAGR %	5.58	9.4	-0.88	3.4	-0.61
Net Loans, 3 Yr. CAGR %	1.55	1.41	2.23	2.86	3.49
Non Performing Loans, 3 Yr. CAGR %	2.69	0.62	-4.78	3.41	3.55
Non Performing Assets, 3 Yr. CAGR %	2.45	0.43	-4.86	3.31	3.5
Total Assets, 3 Yr. CAGR %	2.45	3.08	1.51	2.55	2.77
Total Deposits, 3 Yr CAGR %	5.8	4.61	-0.69	0.28	1.99
Tangible Book Value, 3 Yr. CAGR %	3.78	2.23	0.15	0.3	-1.73
Average Interest Earning Assets, 3 Yr. CAGR %	-	-	2.78	1.7	1.65
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	-	2.78	2.13	2.77
Common Equity, 3 Yr. CAGR %	3.21	1.67	0.03	0.41	-1.45
Total Equity, 3 Yr. CAGR %	3.11	1.41	-0.02	0.56	-0.98
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	0.56	1.35	3.04	1.66	1.99
Non Interest Income, 5 Yr. CAGR %	0.6	27.36	-12.37	7.51	23.7
Provision For Loan Losses, 5 Yr. CAGR %	-11.93	14.46	2.38	1.29	-13.39
Total Revenues, 5 Yr. CAGR %	1.12	10.58	0.12	3.23	10.86
Earnings From Cont. Operations, 5 Yr. CAGR %	1.25	17.13	-1.88	2.76	29.87
Net Income, 5 Yr. CAGR %	-0.81	17.28	-2.52	2.21	29.91
Normalized Net Income, 5 Yr. CAGR %	-1.69	18.54	-4.43	3.18	24.29
Diluted EPS Before Extra, 5 Yr. CAGR %	0.98	18.94	-0.83	6.09	36.95
Dividend Per Share, 5 Yr. CAGR %	6.16	-3.56	10.22	34.59	55.36
Gross Loans, 5 Yr. CAGR %	1.86	2.25	1.36	1.84	3.71
Allowance For Loan Losses, 5 Yr. CAGR %	0.41	5.89	4.66	4.95	0.38
Net Loans, 5 Yr. CAGR %	1.9	2.24	1.32	1.8	3.72
Non Performing Loans, 5 Yr. CAGR %	-2.43	-1.3	0.97	2.98	-0.78
Non Performing Assets, 5 Yr. CAGR %	-2.46	-1.46	0.8	2.84	-0.86
Total Assets, 5 Yr. CAGR %	2.4	2.97	2.08	2.8	2.5
Total Deposits, 5 Yr CAGR %	4.83	3.88	2.58	3.06	1.47
Tangible Book Value, 5 Yr. CAGR %	1.78	3.36	2.53	-0.19	-0.25
Average Interest Earning Assets, 5 Yr. CAGR %	-	3	-	-	2.85
Average Interest Bearing Liabilities, 5 Yr. CAGR %	-	3.08	-	-	3.29
Common Equity, 5 Yr. CAGR %	1.6	3.13	2.2	-0.4	-0.2
Total Equity, 5 Yr. CAGR %	1.63	3.01	2.22	-0.36	-0.12