Cash flow National Bank of Canada

Equities

NA

CA6330671034

Banks

Market Closed - Toronto S.E. Other stock markets 16:00:00 2026-03-13 EDT			5-day change	1st Jan Change
180.57 ^CAD	-0.42%		-3.05%	+4.61%

03-12	National Bank Says Disruptions in The Auto Sector Cause A Widening of The Trade Deficit in January	MT
03-12	National Bank Notes Canada 10-Year Sovreign Bonds Underperform U.S. Treasuries	MT

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Published financial data: NATIONAL BANK OF CANADA

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: October	2021	2022	2023	2024	2025
Interest Income On Loans	5.46B	7.14B	12.68B	15.58B	16.66B
Interest Income On Investments	1.53B	2.41B	4.1B	4.39B	4.63B
Interest Income, Total	6.99B	9.54B	16.78B	19.97B	21.3B
Interest On Deposits	1.64B	3.29B	10.02B	13.2B	12.99B
Total Interest On Borrowings	569M	983M	3.18B	3.83B	3.79B
Interest Expense, Total	2.2B	4.27B	13.19B	17.03B	16.78B
Net Interest Income	4.78B	5.27B	3.59B	2.94B	4.52B
Service Charges On Deposits	274M	298M	300M	294M	296M
Trust Income	900M	997M	1B	1.14B	1.38B
Income From Trading Activities	268M	543M	2.68B	4.3B	4.93B
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	184M	113M	70M	318M	132M
Income (Loss) on Equity Invest. (Income Block)	23M	28M	11M	8M	8M
Total Other Non Interest Income	2.5B	2.4B	2.52B	2.4B	2.71B
Non Interest Income, Total	4.14B	4.38B	6.58B	8.46B	9.46B
Revenues Before Provison For Loan Losses	8.93B	9.65B	10.17B	11.4B	13.98B
Provision For Loan Losses	2M	145M	397M	569M	1.25B
Total Revenues	8.92B	9.51B	9.77B	10.83B	12.73B
Salaries And Other Employee Benefits	2.59B	3.03B	3.21B	3.14B	4.04B
Occupancy Expense	152M	155M	172M	275M	310M
Selling General & Admin Expenses, Total	1.69B	1.63B	1.75B	2.09B	2.78B
Total Other Non Interest Expense	407M	413M	596M	545M	473M
Non Interest Expense, Total	4.84B	5.23B	5.73B	6.05B	7.6B
EBT, Excl. Unusual Items	4.08B	4.28B	4.05B	4.78B	5.13B
Restructuring Charges	-	-	-	-	-
Asset Writedown	-9M	-	-75M	-	-
Legal Settlements	-	-	-	-	-
EBT, Incl. Unusual Items	4.07B	4.28B	3.97B	4.78B	5.13B
Income Tax Expense	895M	894M	637M	961M	1.12B
Earnings From Continuing Operations	3.18B	3.38B	3.34B	3.82B	4.02B
Net Income to Company	3.18B	3.38B	3.34B	3.82B	4.02B
Minority Interest	-	1M	2M	1M	-
Net Income - (IS)	3.18B	3.38B	3.34B	3.82B	4.02B
Preferred Dividend and Other Adjustments	123M	107M	141M	154M	165M
Net Income to Common Incl Extra Items	3.05B	3.28B	3.2B	3.66B	3.85B
Net Income to Common Excl. Extra Items	3.05B	3.28B	3.2B	3.66B	3.85B
Per Share Items
Net EPS - Basic	9.06	9.72	9.47	10.78	10.18
Basic EPS - Continuing Operations	9.06	9.72	9.47	10.78	10.18
Basic Weighted Average Shares Outstanding	337M	337M	338M	340M	378M
Net EPS - Diluted	8.96	9.61	9.38	10.68	10.07
Diluted EPS - Continuing Operations	8.96	9.61	9.38	10.68	10.07
Diluted Weighted Average Shares Outstanding	341M	341M	341M	343M	382M
Normalized Basic EPS	7.56	7.93	7.5	8.79	8.48
Normalized Diluted EPS	7.48	7.85	7.43	8.71	8.39
Dividend Per Share	2.84	3.58	3.98	4.32	4.64
Payout Ratio	34.66	39.15	45.04	42.97	48.59
American Depositary Receipts Ratio (ADR)	0.12	0.12	0.12	0.12	0.12
Supplemental Items
Effective Tax Rate - (Ratio)	21.98	20.9	16.04	20.12	21.76
Total Current Taxes	776M	784M	866M	1.1B	1.3B
Total Deferred Taxes	119M	110M	-229M	-138M	-180M
Normalized Net Income	2.55B	2.67B	2.53B	2.99B	3.21B
Non-Cash Pension Expense	5M	-17M	-21M	-13M	-15M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	436M	254M	240M	580M	514M
Total Stock-Based Compensation	436M	254M	240M	580M	514M

Fiscal Period: October	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	27.1B	24.18B	25.94B	19.82B	13.36B
Investment Securities, Total	29.23B	48.97B	33.13B	45.54B	67.77B
Trading Asset Securities, Total	101B	106B	118B	128B	161B
Total investments	131B	155B	151B	174B	228B
Gross Loans	177B	201B	220B	244B	305B
Allowance For Loan Losses	-998M	-955M	-1.18B	-1.34B	-2.13B
Net Loans	176B	200B	219B	243B	303B
Gross Property Plant And Equipment	1.8B	2.14B	2.46B	2.83B	3.32B
Accumulated Depreciation	-586M	-739M	-866M	-960M	-1.15B
Net Property Plant And Equipment	1.22B	1.4B	1.59B	1.87B	2.16B
Goodwill	1.5B	1.52B	1.52B	1.52B	3.1B
Other Intangibles, Total	1.51B	1.36B	1.26B	1.23B	1.75B
Accrued Interest Receivable	696M	1.06B	1.6B	1.74B	1.84B
Other Receivables	2.66B	3.9B	5.13B	6.12B	3.76B
Restricted Cash	6.78B	7.69B	9.29B	11.73B	14.56B
Other Current Assets, Total	6.84B	6.54B	6.63B	-	-
Deferred Tax Assets Long-Term (Collected)	354M	389M	634M	828M	1.13B
Other Long-Term Assets, Total	757M	608M	517M	550M	4.24B
Total Assets	356B	404B	424B	462B	577B
Liabilities
Accounts Payable, Total	2.47B	2.58B	2.46B	3.43B	4.19B
Interest Bearing Deposits	175B	199B	215B	260B	342B
Non-Interest Bearing Deposits	66.2B	67.68B	72.74B	73.33B	85.93B
Total Deposits	241B	266B	288B	334B	428B
Short-Term Borrowings	19.37B	19.63B	19.89B	15.76B	15.98B
Current Portion of Long-Term Debt	13.88B	26.65B	30.27B	29.46B	30.66B
Current Portion of Leases	87M	94M	109M	75M	89M
Long-Term Debt	4.62B	8.48B	9.05B	10.21B	14.44B
Long-Term Leases	488M	458M	408M	397M	555M
Current Income Taxes Payable	478M	67M	208M	123M	185M
Accrued Interest Payable	552M	1.06B	2.02B	2.29B	2.48B
Other Current Liabilities - (Bank / Utility Template)	31.78B	35.07B	25.64B	15.73B	19.36B
Pension & Other Post Retirement Benefits	143M	111M	94M	103M	98M
Deferred Tax Liability Non-Current	10M	14M	28M	69M	324M
Other Non Current Liabilities	22.13B	21.38B	21.56B	25.48B	26.78B
Total Liabilities	337B	382B	400B	437B	543B
Preferred Stock Redeemable	1.65B	1.65B	1.65B	1.65B	1.61B
Total Preferred Equity	1.65B	1.65B	1.65B	1.65B	1.61B
Common Stock, Total	3.16B	3.2B	3.29B	3.46B	9.86B
Additional Paid In Capital	47M	56M	68M	85M	137M
Retained Earnings	13.03B	15.14B	16.74B	18.63B	20.37B
Comprehensive Income and Other	968M	1.7B	1.92B	1.72B	1.79B
Total Common Equity	17.2B	20.09B	22.03B	23.9B	32.16B
Minority Interest	3M	2M	2M	-	-
Total Equity	18.86B	21.75B	23.68B	25.55B	33.77B
Total Liabilities And Equity	356B	404B	424B	462B	577B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	338M	337M	338M	341M	390M
ECS Total Common Shares Outstanding	338M	337M	338M	341M	391M
Book Value / Share	50.91	59.7	65.11	70.14	82.22
Tangible Book Value	14.19B	17.22B	19.25B	21.14B	27.31B
Tangible Book Value Per Share	41.99	51.15	56.9	62.06	69.82
Average Assets	364B	394B	431B	457B	547B
Average Loans	165B	180B	200B	226B	279B
Total Debt	38.44B	55.31B	59.72B	55.9B	61.73B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-691M	-498M	-356M	-487M	-441M
Net Debt	-97.47B	-101B	-94.99B	-108B	-139B
Equity Method Investments, Total	225M	140M	49M	40M	46M
Full Time Employees	26.92K	29.51K	28.92K	29.2K	33.2K
Number Of Offices	-	-	-	-	-

Fiscal Period: October	2021	2022	2023	2024	2025
Net Income	3.18B	3.38B	3.34B	3.82B	4.02B
Depreciation, Depletion & Amortization	195M	202M	211M	233M	281M
Amortization of Goodwill and Intangible Assets - (CF)	7M	6M	6M	-	73M
Total Depreciation, Depletion & Amortization	202M	208M	217M	233M	354M
Amortization of Deferred Charges, Total	279M	273M	307M	281M	300M
(Gain) Loss On Sale of Asset - (CF)	-	-	-	-	-
(Gain) Loss on Sale of Investments - (CF)	-154M	-113M	-161M	-318M	-132M
Total Asset Writedown	16M	8M	88M	4M	67M
Provision for Credit Losses	2M	145M	397M	569M	1.25B
(Income) Loss On Equity Investments - (CF)	-23M	-28M	-11M	-8M	-8M
Stock-Based Compensation (CF)	11M	17M	18M	17M	24M
Change in Trading Asset Securities	-6.48B	-2.56B	-12.62B	-15.94B	-32.18B
Changes in Accrued Interest Receivable	-186M	150M	407M	128M	86M
Change In Income Taxes	272M	-437M	-313M	175M	-88M
Change in Other Net Operating Assets (Collected)	-16.18B	-28.53B	-8.05B	-29.54B	-30B
Other Operating Activities	119M	109M	-231M	-139M	-180M
Cash from Operations	-18.95B	-27.38B	-16.61B	-40.72B	-56.5B
Capital Expenditure	-217M	-296M	-352M	-443M	-233M
Sale of Property, Plant, and Equipment	-	-	-	-	-
Cash Acquisitions	-73M	-	-	-	131M
Purchase / Sale of Intangible Assets	-350M	-374M	-299M	-260M	-269M
Investment in Marketable and Equity Securities, Total	2.03B	-786M	571M	-6.63B	-6.71B
Cash from Investing	1.39B	-1.46B	-80M	-7.34B	-7.08B
Long-Term Debt Issued, Total	-	739M	-	500M	1.75B
Total Debt Issued	-	739M	-	500M	1.75B
Long-Term Debt Repaid, Total	-96M	-99M	-852M	-110M	-201M
Total Debt Repaid	-96M	-99M	-852M	-110M	-201M
Issuance of Common Stock	92M	53M	88M	153M	88M
Repurchase of Common Stock	-	-245M	-	-	-213M
Issuance of Preferred Stock	500M	500M	-	-	-
Repurchase of Preferred Stock	-800M	-	-	-	-300M
Common Dividends Paid	-	-1.25B	-	-	-
Preferred Dividends Paid	-	-72M	-	-	-
Common & Preferred Stock Dividends Paid	-1.1B	-	-1.5B	-1.64B	-1.95B
Common & Preferred Stock Dividends Paid	-1.1B	-1.32B	-1.5B	-1.64B	-1.95B
Net Increase (Decrease) in Deposit Accounts - (CF)	25.06B	25.46B	21.78B	45.37B	61.14B
Other Financing Activities, Total	-334M	-4M	-	-	-347M
Cash from Financing	23.32B	25.08B	19.51B	44.28B	59.96B
Foreign Exchange Rate Adjustments	-1.03B	1.75B	545M	96M	-13M
Net Change in Cash	4.74B	-2.01B	3.36B	-3.68B	-3.63B
Supplemental Items
Cash Interest Paid	2.26B	3.76B	12.24B	16.77B	16.59B
Cash Income Tax Paid (Refund)	542M	1.12B	741M	1.08B	1.18B
Net Debt Issued / Repaid	-96M	640M	-852M	390M	1.55B

Fiscal Period: October	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.92	0.89	0.81	0.86	0.77
Return On Equity %	18.03	16.74	14.68	15.53	13.54
Return on Common Equity	19.62	17.65	15.18	15.98	13.74
Shareholders Value Added	1.32B	1.16B	816M	1.07B	727M
Margin Analysis
SG&A Margin	49.71	50.67	52.49	50.86	55.97
Net Interest Income / Total Revenues %	53.59	55.44	36.69	27.14	35.48
EBT Excl. Non-Recurring Items Margin %	45.73	44.99	41.41	44.1	40.32
Income From Continuing Operations Margin %	35.6	35.58	34.12	35.23	31.55
Net Income Margin %	35.6	35.59	34.14	35.24	31.55
Net Avail. For Common Margin %	34.22	34.47	32.7	33.82	30.25
Normalized Net Income Margin	28.58	28.13	25.9	27.57	25.2
Asset quality
Nonperforming Loans / Total Loans %	0.37	0.4	0.47	0.84	1.22
Nonperforming Loans / Total Assets %	0.19	0.2	0.24	0.44	0.64
Nonperforming Assets / Total Assets %	0.19	0.2	0.24	0.44	0.64
NPAs / Loans and OREO	0.37	0.4	0.47	0.84	1.22
NPAs / Equity	3.51	3.73	4.32	8	10.99
Allowance for Credit Losses / Net Charge-offs %	674.32	494.82	778.95	367.4	563.76
Allowance for Credit Losses / Nonperforming Loans %	150.76	117.61	115.62	65.64	57.41
Allowance for Credit Losses / Total Loans %	0.56	0.47	0.54	0.55	0.7
Net Charge-offs / Total Average Loans %	0.09	0.11	0.08	0.16	0.14
Provision for Loan Losses / Net Charge-offs %	1.35	75.13	261.18	155.89	329.63
Earning Assets / IBL	106.69	102.52	102.93	104.73	105.55
Interest Income / Average Assets	1.92	2.42	3.9	4.37	3.89
Interest Expense / Average Assets	0.61	1.09	3.06	3.72	3.06
Net Interest Income / Average Assets	1.32	1.34	0.83	0.64	0.83
Non Interest Income / Average Assets	1.14	1.11	1.53	1.85	1.73
Non Interest Expense / Average Asset	1.33	1.33	1.33	1.32	1.39
Capital And Funding
Total Average Common Equity / Total Average Assets %	4.53	4.89	5.09	5.17	5.39
Total Average Equity / Total Average Assets %	5.13	5.32	5.49	5.55	5.71
Total Equity + Allowance for Loan Losses / Total Loans %	11.22	11.28	11.3	11	11.78
Gross Loans / Total Deposits %	73.4	75.51	76.34	73.27	71.2
Net Loans / Total Deposits %	72.99	75.15	75.93	72.86	70.71
Tier 1 Capital Ratio %	14.9	15.3	16	15.9	15.1
Total Capital Ratio %	15.9	16.9	16.8	17	17.3
Core Tier 1 Capital Ratio	12.3	12.6	13.5	13.7	13.8
Tier 2 Capital Ratio	1.08	1.56	0.79	1.09	2.17
Coverage Ratio	150.76	117.61	115.62	65.64	57.41
Interbank Ratio	43.46	79.13	29.36	42.6	65.51
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	8.16	5.35	2.25	2.25	2.35
EBT + Interest Expense / Interest Expense	2.85	2	1.3	1.28	1.31
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	12.41	10.2	-31.97	-18.04	53.73
Non Interest Income, 1 Yr. Growth %	12.85	5.72	50.29	30.73	11.83
Provision For Loan Losses, 1 Yr. Growth %	-99.76	7.15K	173.79	43.32	118.98
Total Revenues, 1 Yr. Growth %	26.04	6.52	2.8	12.11	17.57
Earnings From Cont. Operations, 1 Yr. Growth %	52.52	7.74	-1.42	16.02	5.27
Net Income, 1 Yr. Growth %	55.66	7.77	-1.39	15.98	5.24
Normalized Net Income, 1 Yr. Growth %	56.91	6.14	-5.34	19.88	7.44
Diluted EPS Before Extra, 1 Yr. Growth %	57.19	8.59	-2.39	15.58	-5.71
Dividend Per Share, 1 Yr. Growth %	0	26.06	11.17	8.54	7.41
Gross Loans, 1 Yr. Growth %	11.2	13.74	9.37	11.08	24.71
Allowance For Loan Losses, 1 Yr. Growth %	-13.82	-4.31	23.98	13.26	58.91
Net Loans, 1 Yr. Growth %	11.39	13.85	9.3	11.07	24.52
Non Performing Loans, 1 Yr. Growth %	-18.97	22.66	26.11	28.98	81.69
Non Performing Assets, 1 Yr. Growth %	-18.97	22.66	26.11	28.98	81.69
Total Assets, 1 Yr. Growth %	7.29	13.53	4.91	9.15	24.81
Total Deposits, 1 Yr Growth %	11.61	10.57	8.18	15.74	28.32
Tangible Book Value, 1 Yr. Growth %	28.04	20.8	11.82	10.39	29.14
Average Interest Earning Assets, 1 Yr. Growth %	11.5	6.63	10.44	9.01	21.99
Average Interest Bearing Liabilities, 1 Yr. Growth %	14.3	7.47	10	7.14	21.05
Common Equity, 1 Yr. Growth %	23.5	18	9.61	8.97	34.54
Total Equity, 1 Yr. Growth %	15.09	16.4	8.88	8.34	32.17
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	15.33	11.3	-13.41	-25.33	12.25
Non Interest Income, 2 Yr. CAGR %	3.94	9.23	26.05	38.97	20.91
Provision For Loan Losses, 2 Yr. CAGR %	-92.41	-58.6	1.31K	98.09	77.16
Total Revenues, 2 Yr. CAGR %	12.24	15.87	4.64	6.74	14.81
Earnings From Cont. Operations, 2 Yr. CAGR %	16.97	27.44	3.06	6.21	10.51
Net Income, 2 Yr. CAGR %	18.67	28.76	3.09	6.21	10.48
Normalized Net Income, 2 Yr. CAGR %	21.92	28.26	0.24	5.68	13.49
Diluted EPS Before Extra, 2 Yr. CAGR %	18.88	29.84	2.95	5.42	4.39
Dividend Per Share, 2 Yr. CAGR %	3.33	12.27	18.38	9.85	7.97
Gross Loans, 2 Yr. CAGR %	9.67	12.47	11.53	10.22	17.7
Allowance For Loan Losses, 2 Yr. CAGR %	21.32	-9.19	8.92	18.5	34.16
Net Loans, 2 Yr. CAGR %	9.61	12.61	11.55	10.18	17.6
Non Performing Loans, 2 Yr. CAGR %	-1.62	-0.31	24.37	58.62	53.08
Non Performing Assets, 2 Yr. CAGR %	-1.62	-0.31	24.37	58.62	53.08
Total Assets, 2 Yr. CAGR %	12.43	10.34	9.14	7	16.72
Total Deposits, 2 Yr CAGR %	12.74	11.09	9.36	11.9	21.87
Tangible Book Value, 2 Yr. CAGR %	22.15	24.64	16.22	10.83	19.4
Average Interest Earning Assets, 2 Yr. CAGR %	9.28	11.44	8.52	9.72	15.32
Average Interest Bearing Liabilities, 2 Yr. CAGR %	12.55	15.1	8.73	8.56	13.88
Common Equity, 2 Yr. CAGR %	18.13	20.1	13.73	9.06	21.08
Total Equity, 2 Yr. CAGR %	11.61	15.21	12.58	8.39	19.66
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	12.25	13.59	-5.54	-14.98	-5.01
Non Interest Income, 3 Yr. CAGR %	3.08	4.53	21.49	26.86	29.26
Provision For Loan Losses, 3 Yr. CAGR %	-81.71	-25.24	-22.29	557.7	104.83
Total Revenues, 3 Yr. CAGR %	9.28	10.3	11.34	6.66	10.23
Earnings From Cont. Operations, 3 Yr. CAGR %	12.49	13.37	16.99	6.72	5.89
Net Income, 3 Yr. CAGR %	13.99	14.47	17.81	6.72	5.88
Normalized Net Income, 3 Yr. CAGR %	15.67	15.94	15.91	5.84	6.26
Diluted EPS Before Extra, 3 Yr. CAGR %	14.69	14.87	18.06	6.47	1.57
Dividend Per Share, 3 Yr. CAGR %	5.19	10.41	11.91	15.01	9.03
Gross Loans, 3 Yr. CAGR %	8.12	11.01	11.42	11.38	14.85
Allowance For Loan Losses, 3 Yr. CAGR %	14.9	12.1	0.74	10.35	30.68
Net Loans, 3 Yr. CAGR %	8.08	11.01	11.5	11.39	14.77
Non Performing Loans, 3 Yr. CAGR %	1.67	5.88	7.82	45.59	65.97
Non Performing Assets, 3 Yr. CAGR %	1.67	5.88	7.82	45.59	65.97
Total Assets, 3 Yr. CAGR %	10.67	12.78	8.5	9.13	12.63
Total Deposits, 3 Yr CAGR %	12.15	12.01	10.11	11.45	17.12
Tangible Book Value, 3 Yr. CAGR %	17.26	21.87	20.21	14.06	16.62
Average Interest Earning Assets, 3 Yr. CAGR %	8.63	9.97	11.1	8.68	13.67
Average Interest Bearing Liabilities, 3 Yr. CAGR %	10.99	13.66	13.37	8.2	12.57
Common Equity, 3 Yr. CAGR %	14.28	17.69	16.5	11.96	16.97
Total Equity, 3 Yr. CAGR %	9.52	12.84	13.06	11	15.8
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	9.84	8.94	1.18	-3.95	1.21
Non Interest Income, 5 Yr. CAGR %	7.79	6.66	11.71	17.14	20.84
Provision For Loan Losses, 5 Yr. CAGR %	-66.64	-9.89	3.96	10.4	8.05
Total Revenues, 5 Yr. CAGR %	10.75	8.36	7.4	8.86	12.45
Earnings From Cont. Operations, 5 Yr. CAGR %	20.39	10.82	8.36	10.45	14.04
Net Income, 5 Yr. CAGR %	21.89	11.77	9.24	11.09	14.5
Normalized Net Income, 5 Yr. CAGR %	21.58	12.51	8.96	11.72	14.57
Diluted EPS Before Extra, 5 Yr. CAGR %	22.19	12.3	9.57	10.99	12.05
Dividend Per Share, 5 Yr. CAGR %	5.43	9.44	10.28	10.18	10.32
Gross Loans, 5 Yr. CAGR %	7.97	8.93	9.47	10.69	13.89
Allowance For Loan Losses, 5 Yr. CAGR %	5.03	7.25	12.47	14.61	12.97
Net Loans, 5 Yr. CAGR %	7.99	8.94	9.46	10.68	13.9
Non Performing Loans, 5 Yr. CAGR %	6.12	6.27	10.2	24.46	35.36
Non Performing Assets, 5 Yr. CAGR %	6.12	6.27	10.2	24.46	35.36
Total Assets, 5 Yr. CAGR %	8.91	10.43	10.04	10.43	11.71
Total Deposits, 5 Yr CAGR %	11.14	11.18	11.02	11.96	14.67
Tangible Book Value, 5 Yr. CAGR %	14.88	16.85	16.95	17.33	19.76
Average Interest Earning Assets, 5 Yr. CAGR %	8.73	9.05	9.53	9.87	12.77
Average Interest Bearing Liabilities, 5 Yr. CAGR %	10.03	11.42	11.76	11.59	13.58
Common Equity, 5 Yr. CAGR %	12.28	13.75	13.83	14.16	18.21
Total Equity, 5 Yr. CAGR %	9.27	10.18	10.53	11.04	15.56