Financial Ratios JPMorgan Chase & Co.

Equities

JPM

US46625H1005

Banks

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318.52 ^USD	+0.36%		+1.10%	+32.88%

12-12	JPMorgan's Dimon signals support for Kevin Warsh as Fed chair, FT reports	RE
12-12	Fifth Third Announces Changes to Its Board of Directors	CI

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Published financial data: JPMORGAN CHASE & CO.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	64.52B	57.86B	92.81B	171B	194B
Interest Income, Total	64.52B	57.86B	92.81B	171B	194B
Interest On Deposits	9.96B	5.55B	26.1B	81.32B	101B
Interest Expense, Total	9.96B	5.55B	26.1B	81.32B	101B
Net Interest Income	54.56B	52.31B	66.71B	89.27B	92.58B
Trust Income	18.18B	21.03B	20.68B	15.22B	17.8B
Total Mortgage Banking Activities	3.09B	2.17B	1.25B	1.18B	1.4B
Income From Trading Activities	18.02B	16.3B	19.91B	24.46B	24.79B
Gain (Loss) on Sale of Assets	6M	-7M	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	668M	34M	-2.72B	-4.95B	6.68B
Total Other Non Interest Income	25.02B	29.8B	22.86B	29.82B	34.21B
Non Interest Income, Total	64.98B	69.33B	61.98B	65.72B	84.87B
Revenues Before Provison For Loan Losses	120B	122B	129B	155B	177B
Provision For Loan Losses	17.48B	-9.26B	6.39B	9.32B	10.68B
Total Revenues	102B	131B	122B	146B	167B
Salaries And Other Employee Benefits	32.54B	35.64B	38.84B	43.35B	47.85B
Selling General & Admin Expenses, Total	28.18B	30.24B	30.93B	31.78B	34.39B
Total Other Non Interest Expense	4.83B	5.04B	6.1B	8.08B	8.04B
Non Interest Expense, Total	65.54B	70.91B	75.87B	83.21B	90.28B
EBT, Excl. Unusual Items	36.52B	59.99B	46.43B	62.46B	76.5B
Total Merger & Related Restructuring Charges	-	-	-	-1.06B	-777M
Legal Settlements	-1.12B	-426M	-266M	-	-740M
Other Unusual Items	-	-	-	214M	103M
EBT, Incl. Unusual Items	35.41B	59.56B	46.17B	61.61B	75.08B
Income Tax Expense	6.28B	11.23B	8.49B	12.06B	16.61B
Earnings From Continuing Operations	29.13B	48.33B	37.68B	49.55B	58.47B
Net Income to Company	29.13B	48.33B	37.68B	49.55B	58.47B
Net Income - (IS)	29.13B	48.33B	37.68B	49.55B	58.47B
Preferred Dividend and Other Adjustments	1.72B	1.83B	1.78B	1.79B	1.6B
Net Income to Common Incl Extra Items	27.41B	46.5B	35.89B	47.76B	56.87B
Net Income to Common Excl. Extra Items	27.41B	46.5B	35.89B	47.76B	56.87B
Per Share Items
Net EPS - Basic	8.89	15.39	12.1	16.25	19.79
Basic EPS - Continuing Operations	8.89	15.39	12.1	16.25	19.79
Basic Weighted Average Shares Outstanding	3.08B	3.02B	2.97B	2.94B	2.87B
Net EPS - Diluted	8.88	15.36	12.09	16.23	19.75
Diluted EPS - Continuing Operations	8.88	15.36	12.09	16.23	19.75
Diluted Weighted Average Shares Outstanding	3.09B	3.03B	2.97B	2.94B	2.88B
Normalized Basic EPS	7.41	12.41	9.78	13.28	16.64
Normalized Diluted EPS	7.39	12.39	9.77	13.26	16.61
Dividend Per Share	3.6	3.8	4	4.1	4.8
Payout Ratio	43.56	26.6	36	27.17	25.28
American Depositary Receipts Ratio (ADR)	0.1	0.1	0.1	0.1	0.1
Supplemental Items
Effective Tax Rate - (Ratio)	17.73	18.85	18.39	19.57	22.12
Current Domestic Taxes	7.55B	4.76B	8.24B	12.24B	9.85B
Current Foreign Taxes	2.7B	2.72B	2.99B	4.36B	4.75B
Total Current Taxes	10.26B	7.48B	11.23B	16.59B	14.61B
Deferred Domestic Taxes	-3.86B	3.85B	-2.58B	-4.57B	1.93B
Deferred Foreign Taxes	-126M	-101M	-154M	35M	72M
Total Deferred Taxes	-3.98B	3.75B	-2.74B	-4.53B	2B
Normalized Net Income	22.83B	37.49B	29.02B	39.04B	47.81B
Non-Cash Pension Expense	-206M	-201M	-192M	-393M	-462M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	2.45B	2.93B	2.79B	3.12B	3.5B
Total Stock-Based Compensation	2.45B	2.93B	2.79B	3.12B	3.5B

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	503B	721B	541B	605B	442B
Investment Securities, Total	655B	748B	747B	646B	765B
Trading Asset Securities, Total	503B	331B	360B	412B	502B
Mortgage Backed Securities	241B	197B	212B	217B	215B
Total investments	1,399B	1,276B	1,320B	1,275B	1,482B
Gross Loans	1,053B	1,129B	1,181B	1,367B	1,393B
Allowance For Loan Losses	-28.33B	-16.39B	-19.73B	-22.42B	-24.34B
Net Loans	1,024B	1,112B	1,161B	1,345B	1,369B
Net Property Plant And Equipment	48.26B	44.62B	40.04B	40.82B	45.78B
Goodwill	49.25B	50.32B	51.66B	52.63B	52.56B
Other Intangibles, Total	904M	882M	1.22B	3.22B	2.87B
Loans Held For Sale	7.87B	8.69B	3.97B	3.98B	7.05B
Accrued Interest Receivable	42.73B	42.89B	75.9B	59.72B	49.28B
Restricted Cash	24.4B	19.7B	26.8B	19.6B	27.5B
Other Current Assets, Total	161B	309B	279B	329B	356B
Deferred Tax Assets Long-Term (Collected)	-	-	-	-	12.18B
Other Real Estate Owned And Foreclosed	152M	134M	157M	162M	112M
Other Long-Term Assets, Total	125B	158B	165B	141B	158B
Total Assets	3,386B	3,744B	3,666B	3,875B	4,003B
Liabilities
Accounts Payable, Total	70.28B	67.59B	77.18B	91.94B	95.52B
Accrued Expenses, Total	148B	179B	200B	175B	168B
Interest Bearing Deposits	1,464B	1,704B	1,526B	1,511B	1,545B
Institutional Deposits	84.34B	93.5B	143B	223B	242B
Non-Interest Bearing Deposits	596B	665B	672B	667B	619B
Total Deposits	2,144B	2,462B	2,340B	2,401B	2,406B
Short-Term Borrowings	334B	304B	305B	308B	389B
Current Portion of Long-Term Debt	26.93B	22.78B	32.16B	50.92B	19.25B
Current Portion of Leases	1.61B	1.57B	1.57B	1.68B	1.71B
Long-Term Debt	260B	234B	270B	339B	390B
Federal Home Loan Bank Debt - Long-Term	11.12B	53.02B	4.09B	23.31B	17.68B
Long-Term Leases	6.9B	6.76B	6.61B	7.15B	7.19B
Trust Preferred Securities (BS)	2.04B	1.98B	1.85B	1.73B	1.6B
Other Current Liabilities - (Bank / Utility Template)	99.56B	115B	127B	140B	159B
Other Non Current Liabilities	2.42B	2.26B	7.78B	8.77B	2.8B
Total Liabilities	3,107B	3,449B	3,373B	3,548B	3,658B
Preferred Stock Redeemable	30.06B	34.84B	27.4B	27.4B	20.05B
Total Preferred Equity	30.06B	34.84B	27.4B	27.4B	20.05B
Common Stock, Total	4.1B	4.1B	4.1B	4.1B	4.1B
Additional Paid In Capital	88.39B	88.42B	89.04B	90.13B	90.91B
Retained Earnings	237B	272B	296B	333B	376B
Treasury Stock	-88.18B	-105B	-107B	-116B	-134B
Comprehensive Income and Other	7.99B	-84M	-17.34B	-10.44B	-12.46B
Total Common Equity	249B	259B	265B	300B	325B
Total Equity	279B	294B	292B	328B	345B
Total Liabilities And Equity	3,386B	3,744B	3,666B	3,875B	4,003B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	3.05B	2.95B	2.94B	2.88B	2.8B
ECS Total Common Shares Outstanding	3.05B	2.94B	2.93B	2.88B	2.8B
Book Value / Share	81.75	88.07	90.29	104.45	116.07
Tangible Book Value	199B	208B	212B	245B	269B
Tangible Book Value Per Share	65.3	70.68	72.27	85.03	96.25
Tangible Book Value Per Share (As Reported)	66.11	71.53	73.12	86.08	97.3
Average Assets	3,203B	3,725B	3,854B	3,822B	4,086B
Average Loans	1,005B	1,035B	1,100B	1,248B	1,322B
Total Debt	642B	624B	621B	731B	827B
Federal Funds Sold	-	262B	316B	276B	295B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-3.47B	-7.65B	-6.34B	-7.27B	-7.74B
Net Debt	-660B	-690B	-595B	-561B	-412B
Full Time Employees	255K	271K	294K	310K	317K
Number Of Offices	4.91K	4.79K	4.79K	4.9K	4.97K

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	29.13B	48.33B	37.68B	49.55B	58.47B
Depreciation, Depletion & Amortization	8.61B	7.93B	7.05B	7.51B	7.94B
Total Depreciation, Depletion & Amortization	8.61B	7.93B	7.05B	7.51B	7.94B
Provision for Credit Losses	17.48B	-9.26B	6.39B	9.32B	10.68B
Net (Increase) Decrease in Loans Originated / Sold - Operating	8.99B	-11.45B	18.54B	1.18B	-6.94B
Change in Trading Asset Securities	-149B	85.71B	-31.45B	-74.09B	-95.73B
Changes in Accrued Interest Receivable	-18.01B	-12.4B	-22.97B	19.93B	5.74B
Change in Accounts Payable	7.83B	43.16B	58.61B	-25.39B	-90M
Change in Other Net Operating Assets (Collected)	14.03B	-80.57B	28.49B	27.96B	-24.14B
Other Operating Activities	783M	6.62B	4.78B	-3.01B	2.06B
Cash from Operations	-79.91B	78.08B	107B	12.97B	-42.01B
Cash Acquisitions	-	-	-	-9.92B	-2.36B
Investment in Marketable and Equity Securities, Total	-181B	-96.82B	12.47B	95.59B	-115B
Net (Increase) Decrease in Loans Originated / Sold - Investing	-26.7B	-55.95B	-84.08B	-41.03B	-25.26B
Other Investing Activities, Total	-54.46B	23.43B	-66.21B	23B	-20.85B
Cash from Investing	-262B	-129B	-138B	67.64B	-163B
Short Term Debt Issued, Total	4.44B	7.77B	-	-	7.44B
Long-Term Debt Issued, Total	112B	82.41B	89.1B	98.25B	192B
Total Debt Issued	116B	90.18B	89.1B	98.25B	199B
Short Term Debt Repaid, Total	-	-	-8.98B	-1.93B	-
Long-Term Debt Repaid, Total	-105B	-79.98B	-45.56B	-64.88B	-96.6B
Total Debt Repaid	-105B	-79.98B	-54.54B	-66.81B	-96.6B
Repurchase of Common Stock	-6.52B	-18.41B	-3.16B	-9.82B	-18.83B
Issuance of Preferred Stock	4.5B	7.35B	-	-	2.5B
Repurchase of Preferred Stock	-1.43B	-2.58B	-7.43B	-	-9.85B
Common & Preferred Stock Dividends Paid	-12.69B	-12.86B	-13.56B	-13.46B	-14.78B
Common & Preferred Stock Dividends Paid	-12.69B	-12.86B	-13.56B	-13.46B	-14.78B
Net Increase (Decrease) in Deposit Accounts - (CF)	603B	294B	-137B	-32.2B	3.3B
Other Financing Activities, Total	-927M	-1.48B	234M	-1.52B	-1.47B
Cash from Financing	597B	276B	-126B	-25.57B	63.45B
Foreign Exchange Rate Adjustments	9.16B	-11.51B	-16.64B	1.87B	-12.87B
Net Change in Cash	264B	213B	-174B	56.92B	-155B
Supplemental Items
Cash Interest Paid	13.08B	5.14B	23.14B	77.11B	99.64B
Cash Income Tax Paid (Refund)	7.66B	18.74B	4.36B	9.91B	11.72B
Net Debt Issued / Repaid	10.94B	10.2B	34.56B	31.43B	103B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.96	1.36	1.02	1.31	1.48
Return On Equity %	10.78	16.86	12.85	15.98	17.39
Return on Common Equity	11.34	18.29	13.69	16.89	18.19
Shareholders Value Added	113M	17.82B	6.22B	16.29B	21.45B
Margin Analysis
SG&A Margin	59.49	50.32	57.05	51.57	49.31
Net Interest Income / Total Revenues %	53.46	39.96	54.54	61.28	55.51
EBT Excl. Non-Recurring Items Margin %	35.78	45.83	37.96	42.88	45.87
Income From Continuing Operations Margin %	28.54	36.92	30.8	34.02	35.06
Net Income Margin %	28.54	36.92	30.8	34.02	35.06
Net Avail. For Common Margin %	26.86	35.53	29.35	32.79	34.1
Normalized Net Income Margin	22.36	28.64	23.73	26.8	28.67
Asset quality
Nonperforming Loans / Total Loans %	1	0.69	0.57	0.51	0.63
Nonperforming Loans / Total Assets %	0.31	0.21	0.18	0.18	0.22
Nonperforming Assets / Total Assets %	0.32	0.22	0.2	0.2	0.23
NPAs / Loans and OREO	1.04	0.74	0.61	0.56	0.67
NPAs / Equity	3.9	2.84	2.48	2.32	2.7
Allowance for Credit Losses / Net Charge-offs %	538.66	571.94	691.41	361.09	281.84
Allowance for Credit Losses / Nonperforming Loans %	267.93	210.21	293.54	324.13	275.49
Allowance for Credit Losses / Total Loans %	2.69	1.45	1.67	1.64	1.75
Net Charge-offs / Total Average Loans %	0.52	0.28	0.26	0.5	0.65
Provision for Loan Losses / Net Charge-offs %	332.38	-323.07	223.94	150.1	123.62
Earning Assets / IBL	128.55	128.37	130.48	128.22	124.72
Interest Income / Average Assets	2.01	1.55	2.41	4.46	4.75
Interest Expense / Average Assets	0.31	0.15	0.68	2.13	2.48
Net Interest Income / Average Assets	1.7	1.4	1.73	2.34	2.27
Non Interest Income / Average Assets	2.03	1.86	1.61	1.72	2.08
Non Interest Expense / Average Asset	2.05	1.9	1.97	2.18	2.21
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.96	7.13	7.08	7.5	7.94
Total Average Equity / Total Average Assets %	8.9	8.05	7.92	8.22	8.54
Total Equity + Allowance for Loan Losses / Total Loans %	29.23	27.51	26.42	25.62	26.5
Gross Loans / Total Deposits %	49.1	45.84	50.46	56.96	57.89
Net Loans / Total Deposits %	47.78	45.17	49.62	56.02	56.88
Tier 1 Capital Ratio %	15	15	14.9	16.6	16.8
Total Capital Ratio %	17.3	16.8	16.8	17.7	18.5
Core Tier 1 Capital Ratio	13.1	13.1	13.2	15	15.7
Tier 2 Capital Ratio	2.25	1.75	1.94	1.08	1.75
Equity Tier 1 Capital Ratio	12.92	12.85	12.98	14.83	15.49
Coverage Ratio	130.97	95.48	131.83	398.58	362.44
Leverage Ratio %	7	6.5	6.6	7.2	7.2
Interbank Ratio	360.73	492.79	409.51	393.95	240.82
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	4.55	11.73	2.77	1.76	1.74
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-4.69	-4.13	27.53	33.81	3.71
Non Interest Income, 1 Yr. Growth %	11.74	6.03	-10.6	6.04	29.13
Provision For Loan Losses, 1 Yr. Growth %	212.98	-152.95	-169.03	45.88	14.57
Total Revenues, 1 Yr. Growth %	-7.06	27.74	-6.56	19.11	14.49
Earnings From Cont. Operations, 1 Yr. Growth %	-20.04	65.92	-22.05	31.52	18
Net Income, 1 Yr. Growth %	-20.04	65.92	-22.05	31.52	18
Normalized Net Income, 1 Yr. Growth %	-18.45	62.44	-22.6	35.29	19.72
Diluted EPS Before Extra, 1 Yr. Growth %	-17.16	72.97	-21.29	34.24	21.69
Dividend Per Share, 1 Yr. Growth %	5.88	5.56	5.26	2.5	17.07
Gross Loans, 1 Yr. Growth %	2.76	7.21	4.63	15.78	1.87
Allowance For Loan Losses, 1 Yr. Growth %	115.87	-42.16	20.38	13.66	8.59
Net Loans, 1 Yr. Growth %	1.29	8.58	4.4	15.82	1.75
Non Performing Loans, 1 Yr. Growth %	128.01	-26.27	-13.79	2.93	27.76
Non Performing Assets, 1 Yr. Growth %	115.79	-23.47	-13.17	4.83	22.42
Total Assets, 1 Yr. Growth %	26	10.6	-2.08	5.72	3.29
Total Deposits, 1 Yr Growth %	37.24	14.83	-4.96	2.59	0.22
Tangible Book Value, 1 Yr. Growth %	7.24	4.5	1.9	15.36	10.08
Average Interest Earning Assets, 1 Yr. Growth %	18.52	15.69	4.14	-0.7	6.37
Average Interest Bearing Liabilities, 1 Yr. Growth %	16.96	15.85	3.38	1.05	9.35
Common Equity, 1 Yr. Growth %	6.38	4.01	2.17	13.42	8.07
Total Equity, 1 Yr. Growth %	6.9	5.29	-0.61	12.16	5.15
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-0.45	-4.41	10.57	30.63	17.81
Non Interest Income, 2 Yr. CAGR %	10.15	8.89	-2.64	-2.64	17.01
Provision For Loan Losses, 2 Yr. CAGR %	89.44	28.74	-39.54	0.35	29.28
Total Revenues, 2 Yr. CAGR %	-0.81	9.02	9.25	5.49	16.77
Earnings From Cont. Operations, 2 Yr. CAGR %	-5.29	15.18	13.72	1.25	24.58
Net Income, 2 Yr. CAGR %	-5.29	15.18	13.72	1.25	24.58
Normalized Net Income, 2 Yr. CAGR %	-5.43	15.32	12.13	2.4	28.35
Diluted EPS Before Extra, 2 Yr. CAGR %	-0.67	19.7	16.68	2.79	27.81
Dividend Per Share, 2 Yr. CAGR %	15.04	5.72	5.41	3.87	9.54
Gross Loans, 2 Yr. CAGR %	2.44	4.96	5.91	10.07	8.6
Allowance For Loan Losses, 2 Yr. CAGR %	45.15	11.74	-16.55	16.97	11.09
Net Loans, 2 Yr. CAGR %	1.74	4.87	6.47	9.96	8.56
Non Performing Loans, 2 Yr. CAGR %	47.94	29.66	-20.28	-5.8	14.67
Non Performing Assets, 2 Yr. CAGR %	44.96	28.51	-18.48	-4.59	13.28
Total Assets, 2 Yr. CAGR %	13.63	18.03	4.07	1.75	4.5
Total Deposits, 2 Yr CAGR %	20.75	25.54	4.47	-1.26	1.4
Tangible Book Value, 2 Yr. CAGR %	4.54	5.86	3.19	8.42	12.69
Average Interest Earning Assets, 2 Yr. CAGR %	12.08	17.1	9.76	1.69	2.78
Average Interest Bearing Liabilities, 2 Yr. CAGR %	11.75	16.4	8.95	2.21	5.12
Common Equity, 2 Yr. CAGR %	4.01	5.19	3.09	7.65	10.71
Total Equity, 2 Yr. CAGR %	4.36	6.09	2.3	5.58	8.6
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	2.89	-1.69	5.23	17.83	20.96
Non Interest Income, 3 Yr. CAGR %	9.17	8.99	1.96	0.17	6.97
Provision For Loan Losses, 3 Yr. CAGR %	48.95	23.86	4.59	-18.91	4.88
Total Revenues, 3 Yr. CAGR %	2.51	8.06	3.56	12.44	8.41
Earnings From Cont. Operations, 3 Yr. CAGR %	6.03	14.18	1.13	19.37	6.55
Net Income, 3 Yr. CAGR %	6.03	14.18	1.13	19.37	6.55
Normalized Net Income, 3 Yr. CAGR %	1.22	13.68	0.97	19.14	8.7
Diluted EPS Before Extra, 3 Yr. CAGR %	12.06	19.5	4.09	22.26	8.74
Dividend Per Share, 3 Yr. CAGR %	19.3	11.79	5.57	4.43	8.1
Gross Loans, 3 Yr. CAGR %	3.33	4.01	4.85	9.11	7.26
Allowance For Loan Losses, 3 Yr. CAGR %	27.7	6.82	14.55	-7.5	14.11
Net Loans, 3 Yr. CAGR %	2.89	3.97	4.71	9.5	7.15
Non Performing Loans, 3 Yr. CAGR %	21.17	17.29	13.16	-13.19	4.27
Non Performing Assets, 3 Yr. CAGR %	19.28	17.16	12.76	-11.35	3.67
Total Assets, 3 Yr. CAGR %	10.15	12.6	10.9	4.62	2.26
Total Deposits, 3 Yr CAGR %	14.09	18.74	14.41	3.84	-0.77
Tangible Book Value, 3 Yr. CAGR %	3.18	4.52	4.52	7.1	8.97
Average Interest Earning Assets, 3 Yr. CAGR %	8.59	13.27	12.61	6.16	3.23
Average Interest Bearing Liabilities, 3 Yr. CAGR %	8.35	13.1	11.56	6.25	4.54
Common Equity, 3 Yr. CAGR %	2.78	4.01	4.17	6.42	7.79
Total Equity, 3 Yr. CAGR %	2.99	4.67	3.81	5.48	5.44
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	4.63	2.57	5.9	10.15	10.09
Non Interest Income, 5 Yr. CAGR %	5.58	6.55	4.42	4.18	7.74
Provision For Loan Losses, 5 Yr. CAGR %	35.5	11.54	3.85	13.86	13.84
Total Revenues, 5 Yr. CAGR %	2.73	7.49	5.24	7.02	8.65
Earnings From Cont. Operations, 5 Yr. CAGR %	3.57	14.34	9.04	8.82	9.92
Net Income, 5 Yr. CAGR %	3.57	14.34	9.04	8.82	9.92
Normalized Net Income, 5 Yr. CAGR %	1.95	11.88	5.68	8.87	11.14
Diluted EPS Before Extra, 5 Yr. CAGR %	8.16	19.93	13.89	12.52	13
Dividend Per Share, 5 Yr. CAGR %	15.92	15.11	13.54	8.55	7.14
Gross Loans, 5 Yr. CAGR %	4.73	4.82	4.36	6.39	6.34
Allowance For Loan Losses, 5 Yr. CAGR %	15.88	3.53	7.71	10.77	13.16
Net Loans, 5 Yr. CAGR %	4.5	4.84	4.31	6.33	6.24
Non Performing Loans, 5 Yr. CAGR %	10.46	2.52	2.49	7.44	13.77
Non Performing Assets, 5 Yr. CAGR %	9.17	2.07	2.43	7.92	12.97
Total Assets, 5 Yr. CAGR %	7.56	8.49	7.67	8.12	8.29
Total Deposits, 5 Yr CAGR %	10.87	12.36	10.14	10.3	9.02
Tangible Book Value, 5 Yr. CAGR %	2.83	2.95	3.19	6.07	7.72
Average Interest Earning Assets, 5 Yr. CAGR %	5.89	8.88	9.06	8.49	8.57
Average Interest Bearing Liabilities, 5 Yr. CAGR %	5.56	8.66	8.59	8.42	8.94
Common Equity, 5 Yr. CAGR %	2.39	2.59	2.9	5.45	6.74
Total Equity, 5 Yr. CAGR %	2.44	2.96	2.71	5.03	5.7