Financial Ratios Sumitomo Mitsui Financial Group, Inc.

Equities

8316

JP3890350006

Banks

Market Closed - Japan Exchange Other stock markets 02:30:00 2025-07-18 EDT			5-day change	1st Jan Change
3,598.00 ^JPY	-0.30%		+0.08%	-4.41%

07-15	Japan's SMFG Reportedly Considers Making Additional $1.1 Billion Investment in Yes Bank	CI
07-15	Japan's SMBC seeks RBI approval for 4.9% additional stake in Yes Bank, sources say	RE

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Published financial data: SUMITOMO MITSUI FINANCIAL GROUP, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	1,780B	1,748B	3,696B	5,944B	6,717B
Interest Income On Investments	-	-	-	-	-
Interest Income, Total	1,780B	1,748B	3,696B	5,944B	6,717B
Interest On Deposits	397B	304B	1,941B	4,054B	4,202B
Total Interest On Borrowings	-	-	-	-	-
Interest Expense, Total	397B	304B	1,941B	4,054B	4,202B
Net Interest Income	1,383B	1,444B	1,755B	1,891B	2,514B
Trust Income	-	-	-	-	-
Income From Trading Activities	238B	280B	626B	350B	-187B
Gain (Loss) on Sale of Assets	-137M	-2.42B	-14.48B	-93.64B	-12.88B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	357B	130B	50.62B	146B	-166B
Income (Loss) on Equity Invest. (Income Block)	-	-	-	-	-
Total Other Non Interest Income	1,170B	1,239B	1,299B	1,467B	1,537B
Non Interest Income, Total	1,765B	1,647B	1,961B	1,869B	1,172B
Revenues Before Provison For Loan Losses	3,148B	3,091B	3,716B	3,760B	3,686B
Provision For Loan Losses	282B	280B	148B	205B	411B
Total Revenues	2,866B	2,811B	3,568B	3,555B	3,275B
Salaries And Other Employee Benefits	927M	1.3B	1.44B	1.08B	2.6B
Selling General & Admin Expenses, Total	1,618B	1,741B	1,910B	2,158B	2,303B
(Income) Loss on Equity Invest.	-36.37B	10.84B	-87.43B	-160B	-143B
Total Other Non Interest Expense	273B	282B	315B	334B	434B
Non Interest Expense, Total	1,856B	2,035B	2,139B	2,333B	2,597B
EBT, Excl. Unusual Items	1,010B	776B	1,429B	1,222B	677B
Total Merger & Related Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-42.4B	-	-126B	-	-8.03B
Asset Writedown	-11.41B	-99.52B	-40.98B	-13.82B	-15.04B
Other Unusual Items	405M	-	-	-160M	-
EBT, Incl. Unusual Items	956B	676B	1,262B	1,208B	654B
Income Tax Expense	251B	161B	326B	312B	138B
Earnings From Continuing Operations	705B	515B	936B	896B	516B
Net Income to Company	705B	515B	936B	896B	516B
Minority Interest	-4.47B	-4.77B	-12.71B	-8.64B	-6.68B
Net Income - (IS)	701B	510B	923B	887B	510B
Preferred Dividend and Other Adjustments	13.12B	10.73B	11.31B	13.76B	31.64B
Net Income to Common Incl Extra Items	687B	500B	912B	873B	478B
Net Income to Common Excl. Extra Items	687B	500B	912B	873B	478B
Per Share Items
Net EPS - Basic	167.24	121.49	222.71	219.04	122.4
Basic EPS - Continuing Operations	167.24	121.49	222.71	219.04	122.4
Basic Weighted Average Shares Outstanding	4.11B	4.11B	4.09B	3.99B	3.91B
Net EPS - Diluted	167.16	121.44	222.63	218.98	122.36
Diluted EPS - Continuing Operations	167.16	121.44	222.63	218.98	122.36
Diluted Weighted Average Shares Outstanding	4.11B	4.11B	4.1B	3.99B	3.91B
Normalized Basic EPS	152.46	116.78	215.04	189.35	106.66
Normalized Diluted EPS	152.39	116.73	214.96	189.3	106.63
Dividend Per Share	63.33	70	80	90	122
Payout Ratio	40	55.81	33.9	40.78	87.05
American Depositary Receipts Ratio (ADR)	0.6	0.6	0.6	0.6	0.6
Supplemental Items
Effective Tax Rate - (Ratio)	26.28	23.86	25.84	25.84	21.06
Total Current Taxes	208B	191B	185B	368B	449B
Total Deferred Taxes	43.66B	-29.45B	141B	-56.01B	-311B
Normalized Net Income	627B	480B	880B	755B	417B
Non-Cash Pension Expense	-29.44B	4.33B	-7.92B	-6.23B	-7.36B
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	927M	1.3B	1.44B	1.08B	2.6B
Total Stock-Based Compensation	927M	1.3B	1.44B	1.08B	2.6B

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	69,657B	72,193B	73,213B	75,433B	72,998B
Investment Securities, Total	45,300B	47,101B	39,987B	45,983B	57,275B
Trading Asset Securities, Total	6,697B	7,847B	10,605B	13,528B	11,397B
Mortgage Backed Securities	1,659B	1,006B	2,379B	3,548B	4,252B
Total investments	53,656B	55,953B	52,971B	63,058B	72,924B
Gross Loans	101,379B	107,919B	118,829B	128,522B	132,025B
Allowance For Loan Losses	-849B	-993B	-864B	-979B	-1,103B
Other Adjustments to Gross Loans	-261B	-325B	-389B	-491B	-531B
Net Loans	100,268B	106,601B	117,576B	127,053B	130,392B
Gross Property Plant And Equipment	2,787B	2,917B	3,099B	2,460B	2,444B
Accumulated Depreciation	-1,033B	-1,154B	-1,266B	-1,113B	-1,125B
Net Property Plant And Equipment	1,755B	1,763B	1,832B	1,347B	1,319B
Goodwill	204B	396B	272B	305B	288B
Other Intangibles, Total	616B	597B	633B	721B	804B
Investment in Real Estate	-	-	-	-	-
Accrued Interest Receivable	308B	354B	578B	803B	877B
Other Receivables	1,328B	1,550B	1,007B	2,552B	3,334B
Restricted Cash	3,892B	4,771B	5,161B	4,937B	4,109B
Other Current Assets, Total	2,126B	2,507B	2,828B	3,119B	3,331B
Deferred Tax Assets Long-Term (Collected)	28.96B	58.98B	65.81B	58.08B	63.18B
Other Long-Term Assets, Total	1,186B	1,416B	1,550B	1,886B	1,728B
Total Assets	235,025B	248,161B	257,687B	281,272B	292,165B
Liabilities
Accrued Expenses, Total	2,825B	1,894B	1,947B	3,987B	3,954B
Interest Bearing Deposits	127,224B	131,626B	139,378B	144,558B	157,087B
Non-Interest Bearing Deposits	28,269B	30,968B	33,550B	37,539B	32,935B
Total Deposits	155,494B	162,593B	172,928B	182,097B	190,023B
Short-Term Borrowings	9,646B	11,853B	14,703B	17,061B	14,305B
Current Portion of Long-Term Debt	27,543B	29,913B	23,213B	29,264B	36,700B
Current Portion of Leases	82.24B	76.07B	76.93B	84.56B	81.55B
Long-Term Debt	20,361B	20,826B	22,372B	20,694B	19,032B
Long-Term Leases	298B	308B	340B	338B	312B
Current Income Taxes Payable	53.72B	51.51B	41.65B	170B	239B
Other Current Liabilities - (Bank / Utility Template)	2,824B	4,067B	4,359B	6,254B	6,278B
Unearned Revenue Non Current	106B	86.52B	64.82B	72.97B	72.57B
Pension & Other Post Retirement Benefits	38.88B	44.62B	37.02B	39.43B	35B
Deferred Tax Liability Non-Current	400B	259B	316B	680B	266B
Other Non Current Liabilities	3,076B	3,407B	3,751B	4,250B	4,378B
Total Liabilities	222,749B	235,379B	244,150B	264,993B	275,676B
Common Stock, Total	2,341B	2,342B	2,343B	2,344B	2,346B
Additional Paid In Capital	723B	645B	646B	663B	663B
Retained Earnings	6,078B	6,435B	7,199B	7,769B	7,837B
Treasury Stock	-13.7B	-13.4B	-152B	-168B	-38.51B
Comprehensive Income and Other	3,079B	3,280B	3,395B	5,533B	5,532B
Total Common Equity	12,208B	12,688B	13,431B	16,142B	16,339B
Minority Interest	68.38B	93.32B	106B	137B	150B
Total Equity	12,276B	12,782B	13,537B	16,279B	16,489B
Total Liabilities And Equity	235,025B	248,161B	257,687B	281,272B	292,165B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	4.11B	4.11B	4.03B	3.94B	3.87B
ECS Total Common Shares Outstanding	4.11B	4.11B	4.03B	3.94B	3.87B
Book Value / Share	2.97K	3.09K	3.14K	3.72K	3.74K
Tangible Book Value	11,388B	11,696B	12,526B	15,116B	15,247B
Tangible Book Value Per Share	2.77K	2.84K	2.92K	3.46K	3.45K
Average Assets	216,247B	231,351B	254,678B	270,743B	287,843B
Average Loans	109,362B	112,894B	130,752B	136,893B	148,134B
Total Debt	57,932B	62,975B	60,705B	67,441B	70,431B
Deposits at Interest - Cash	70,769B	73,427B	73,992B	76,650B	74,335B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-480B	-526B	-635B	-834B	-922B
Net Debt	-31,703B	-29,722B	-35,258B	-36,981B	-37,459B
Equity Method Investments, Total	887B	1,010B	1,141B	1,553B	1,589B
Full Time Employees	86.8K	101K	106K	120K	123K
Number Of Offices	1.6K	1.47K	1.35K	1.19K	1.03K

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	956B	676B	1,262B	1,208B	654B
Depreciation, Depletion & Amortization	156B	160B	160B	155B	139B
Amortization of Goodwill and Intangible Assets - (CF)	154B	161B	19.78B	27.44B	27B
Total Depreciation, Depletion & Amortization	310B	321B	180B	183B	166B
Amortization of Deferred Charges, Total	-	-	143B	156B	171B
(Gain) Loss On Sale of Asset - (CF)	-	-	-	-	-
(Gain) Loss on Sale of Investments - (CF)	-322B	-69.52B	21.96B	-187B	96.74B
Total Asset Writedown	-	-	-	-	-
Provision for Credit Losses	277B	269B	138B	223B	379B
(Income) Loss On Equity Investments - (CF)	-36.37B	10.84B	-87.43B	-160B	-143B
Change in Trading Asset Securities	425B	1,647B	1,019B	198B	-1,114B
Change in Other Net Operating Assets (Collected)	645B	-2,006B	-15,485B	-6,894B	-6,255B
Other Operating Activities	-641B	-1,845B	-2,005B	-1,611B	1,059B
Cash from Operations	1,614B	-997B	-14,815B	-6,885B	-4,986B
Capital Expenditure	-112B	-81.37B	-87.99B	-120B	-98.5B
Sale of Property, Plant, and Equipment	23.15B	280M	-	1.96B	7.02B
Cash Acquisitions	-3.57B	-216B	-	-9.99B	-14.56B
Divestitures	-	-	-	71.45B	1.27B
Purchase / Sale of Intangible Assets	-178B	-195B	-199B	-243B	-256B
Sale (Purchase) of Real Estate Properties (Collected)	-	-	8.74B	-	-
Investment in Marketable and Equity Securities, Total	-7,511B	-2,172B	6,078B	-517B	-4,170B
Other Investing Activities, Total	1M	-1M	-2M	-4M	-4M
Cash from Investing	-7,781B	-2,663B	5,799B	-817B	-4,531B
Long-Term Debt Issued, Total	90.14B	95.53B	99.98B	275B	253B
Total Debt Issued	90.14B	95.53B	99.98B	275B	253B
Long-Term Debt Repaid, Total	-457B	-493B	-139B	-125B	-570B
Total Debt Repaid	-457B	-493B	-139B	-125B	-570B
Issuance of Common Stock	100B	85.32B	117B	699B	410B
Repurchase of Common Stock	-136B	-	-224B	-213B	-255B
Common Dividends Paid	-280B	-285B	-313B	-362B	-444B
Common & Preferred Stock Dividends Paid	-280B	-285B	-313B	-362B	-444B
Net Increase (Decrease) in Deposit Accounts - (CF)	16,708B	6,098B	9,575B	7,921B	8,052B
Other Financing Activities, Total	-1.14B	-510M	-1.67B	-107B	-5.96B
Cash from Financing	16,024B	5,500B	9,115B	8,088B	7,440B
Foreign Exchange Rate Adjustments	488B	955B	900B	1,707B	-111B
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	10,345B	2,795B	1,000B	2,094B	-2,188B
Supplemental Items
Cash Interest Paid	435B	301B	1,794B	3,902B	4,208B
Cash Income Tax Paid (Refund)	136B	269B	387B	200B	493B
Net Debt Issued / Repaid	-367B	-398B	-38.62B	150B	-317B

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.32	0.21	0.37	0.33	0.18
Return On Equity %	6.08	4.11	7.11	6.01	3.15
Return on Common Equity	5.96	4.01	6.98	5.91	2.94
Shareholders Value Added	-530B	-822B	-624B	-860B	-1,412B
Margin Analysis
SG&A Margin	56.49	61.98	53.58	60.74	70.42
Net Interest Income / Total Revenues %	48.26	51.37	49.19	53.19	76.78
EBT Excl. Non-Recurring Items Margin %	35.24	27.61	40.05	34.37	20.68
Income From Continuing Operations Margin %	24.6	18.32	26.23	25.2	15.77
Net Income Margin %	24.45	18.15	25.87	24.95	15.57
Net Avail. For Common Margin %	23.99	17.77	25.56	24.57	14.6
Normalized Net Income Margin	21.87	17.08	24.68	21.24	12.72
Asset quality
Nonperforming Loans / Total Loans %	1.16	1.3	0.99	1.04	0.98
Nonperforming Loans / Total Assets %	0.5	0.57	0.45	0.48	0.44
Nonperforming Assets / Total Assets %	0.5	0.57	0.45	0.48	0.44
NPAs / Loans and OREO	1.16	1.3	0.99	1.04	0.98
NPAs / Equity	9.54	11	8.65	8.22	7.83
Allowance for Credit Losses / Net Charge-offs %	570.75	648.42	294.58	583.77	447.94
Allowance for Credit Losses / Nonperforming Loans %	72.49	70.62	73.81	73.14	85.41
Allowance for Credit Losses / Total Loans %	0.84	0.92	0.73	0.76	0.84
Net Charge-offs / Total Average Loans %	0.14	0.14	0.22	0.12	0.17
Provision for Loan Losses / Net Charge-offs %	189.84	182.81	50.61	122.3	167.1
Earning Assets / IBL	83.5	83.81	88.64	89.3	119.6
Interest Income / Average Assets	0.82	0.76	1.45	2.2	2.33
Interest Expense / Average Assets	0.18	0.13	0.76	1.5	1.46
Net Interest Income / Average Assets	0.64	0.62	0.69	0.7	0.87
Non Interest Income / Average Assets	0.82	0.71	0.77	0.69	0.41
Non Interest Expense / Average Asset	0.86	0.88	0.84	0.86	0.9
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.16	5.15	5.16	5.49	5.66
Total Average Equity / Total Average Assets %	5.19	5.19	5.2	5.53	5.71
Total Equity + Allowance for Loan Losses / Total Loans %	12.88	12.68	12.03	13.32	13.21
Gross Loans / Total Deposits %	65.2	66.37	68.72	70.58	69.48
Net Loans / Total Deposits %	64.48	65.56	67.99	69.77	68.62
Tier 1 Capital Ratio %	16.96	15.46	14.94	14.33	14.23
Total Capital Ratio %	18.61	16.56	15.98	15.29	15.18
Core Tier 1 Capital Ratio	16	14.45	14.02	12.91	12.44
Tier 2 Capital Ratio	1.65	1.1	1.04	0.95	0.95
Coverage Ratio	72.49	70.62	73.81	73.14	85.41
Interbank Ratio	454.08	469.33	536.49	510.67	396.7
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	-	-	-	-	-
EBT + Interest Expense / Interest Expense	3.41	3.23	1.65	1.3	1.16
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	5.08	4.4	21.55	7.73	32.99
Non Interest Income, 1 Yr. Growth %	48.48	-6.7	19.09	-4.7	-37.13
Provision For Loan Losses, 1 Yr. Growth %	8.67	-0.89	-46.97	38.15	100.53
Total Revenues, 1 Yr. Growth %	27.64	-1.92	26.93	-0.37	-7.74
Earnings From Cont. Operations, 1 Yr. Growth %	205.25	-26.95	81.69	-4.28	-42.35
Net Income, 1 Yr. Growth %	229.83	-27.16	80.9	-3.9	-42.54
Normalized Net Income, 1 Yr. Growth %	195.22	-23.37	82.84	-14.25	-44.81
Diluted EPS Before Extra, 1 Yr. Growth %	244.92	-27.35	83.33	-1.64	-44.12
Dividend Per Share, 1 Yr. Growth %	0	10.53	14.29	12.5	35.56
Gross Loans, 1 Yr. Growth %	5.01	6.45	10.11	8.16	2.73
Allowance For Loan Losses, 1 Yr. Growth %	20.23	16.93	-12.98	13.3	12.62
Net Loans, 1 Yr. Growth %	4.92	6.32	10.3	8.06	2.63
Non Performing Loans, 1 Yr. Growth %	38.59	20.02	-16.74	14.33	-3.56
Non Performing Assets, 1 Yr. Growth %	38.59	20.02	-16.74	14.33	-3.56
Total Assets, 1 Yr. Growth %	10.78	5.59	3.84	9.15	3.87
Total Deposits, 1 Yr Growth %	12.33	4.57	6.36	5.3	4.35
Tangible Book Value, 1 Yr. Growth %	13.44	2.7	7.1	20.68	0.87
Average Interest Earning Assets, 1 Yr. Growth %	9.32	7.27	13.68	4.69	22.99
Average Interest Bearing Liabilities, 1 Yr. Growth %	7.2	6.87	7.49	3.92	5.84
Common Equity, 1 Yr. Growth %	12.26	3.94	5.85	20.19	1.22
Total Equity, 1 Yr. Growth %	12.27	4.12	5.91	20.26	1.29
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	4.4	4.74	12.65	14.43	19.69
Non Interest Income, 2 Yr. CAGR %	0.75	17.7	5.41	6.53	-22.7
Provision For Loan Losses, 2 Yr. CAGR %	53.63	3.78	-27.5	-14.41	66.44
Total Revenues, 2 Yr. CAGR %	-0.39	11.89	11.58	12.46	-4.19
Earnings From Cont. Operations, 2 Yr. CAGR %	4.34	49.33	15.21	31.87	-25.71
Net Income, 2 Yr. CAGR %	12.48	55	14.79	31.85	-25.69
Normalized Net Income, 2 Yr. CAGR %	13.31	50.41	18.53	25.21	-34.1
Diluted EPS Before Extra, 2 Yr. CAGR %	13.76	58.29	15.4	34.28	-25.86
Dividend Per Share, 2 Yr. CAGR %	2.74	5.13	12.39	13.39	23.49
Gross Loans, 2 Yr. CAGR %	3.84	5.73	8.26	9.13	5.41
Allowance For Loan Losses, 2 Yr. CAGR %	18.48	18.57	0.87	-0.71	12.96
Net Loans, 2 Yr. CAGR %	3.75	5.61	8.29	9.17	5.31
Non Performing Loans, 2 Yr. CAGR %	15.25	28.97	-0.04	-2.44	5.01
Non Performing Assets, 2 Yr. CAGR %	15.25	28.97	-0.04	-2.44	5.01
Total Assets, 2 Yr. CAGR %	9.64	8.15	4.71	6.46	6.48
Total Deposits, 2 Yr CAGR %	7.56	8.38	5.46	5.83	4.83
Tangible Book Value, 2 Yr. CAGR %	4.35	7.94	4.88	13.69	10.33
Average Interest Earning Assets, 2 Yr. CAGR %	6.17	8.29	10.43	9.1	12.77
Average Interest Bearing Liabilities, 2 Yr. CAGR %	5.23	7.04	7.18	5.69	4.87
Common Equity, 2 Yr. CAGR %	4.03	8.02	4.89	12.79	10.3
Total Equity, 2 Yr. CAGR %	2.11	8.12	5.01	12.86	10.36
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	0.27	4.4	10.06	10.98	20.31
Non Interest Income, 3 Yr. CAGR %	-4.69	-1.79	18.16	1.93	-10.73
Provision For Loan Losses, 3 Yr. CAGR %	27.34	32.75	-17.03	-10.12	13.68
Total Revenues, 3 Yr. CAGR %	-4.34	-0.9	16.7	7.45	5.22
Earnings From Cont. Operations, 3 Yr. CAGR %	-7.46	-7.35	59.42	8.31	0.09
Net Income, 3 Yr. CAGR %	-3.09	-2.69	63.19	8.19	-0.04
Normalized Net Income, 3 Yr. CAGR %	0.36	-0.54	60.67	6.4	-4.71
Diluted EPS Before Extra, 3 Yr. CAGR %	-2.34	-2.04	66.23	9.42	0.25
Dividend Per Share, 3 Yr. CAGR %	3.78	5.27	8.1	12.43	20.34
Gross Loans, 3 Yr. CAGR %	4.93	4.71	7.17	8.23	6.95
Allowance For Loan Losses, 3 Yr. CAGR %	19.98	17.96	6.95	4.85	3.55
Net Loans, 3 Yr. CAGR %	4.84	4.6	7.15	8.21	6.95
Non Performing Loans, 3 Yr. CAGR %	10.06	16.82	11.46	4.54	-2.81
Non Performing Assets, 3 Yr. CAGR %	10.06	16.82	11.46	4.54	-2.81
Total Assets, 3 Yr. CAGR %	6.94	8.27	6.7	6.17	5.59
Total Deposits, 3 Yr CAGR %	6.57	6.55	7.7	5.41	5.33
Tangible Book Value, 3 Yr. CAGR %	2.98	3.8	7.66	9.9	9.24
Average Interest Earning Assets, 3 Yr. CAGR %	-	6.53	10.06	8.48	19.05
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	5.77	7.19	6.08	5.74
Common Equity, 3 Yr. CAGR %	2.72	4	7.29	9.76	8.79
Total Equity, 3 Yr. CAGR %	-0.59	2.78	7.37	9.86	8.86
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-0.82	0.65	5.05	8.3	13.82
Non Interest Income, 5 Yr. CAGR %	-3.26	-1.64	-0.77	1.46	-0.29
Provision For Loan Losses, 5 Yr. CAGR %	13.75	5.62	1.65	11.37	9.61
Total Revenues, 5 Yr. CAGR %	-3.23	-1.12	1.73	4.24	7.84
Earnings From Cont. Operations, 5 Yr. CAGR %	-5.84	-7.01	1.02	6.7	17.46
Net Income, 5 Yr. CAGR %	-3.72	-4.3	3.7	9.88	19.13
Normalized Net Income, 5 Yr. CAGR %	-2.87	-0.67	7.27	9.12	14.44
Diluted EPS Before Extra, 5 Yr. CAGR %	-4.12	-4.48	4.4	11.14	20.35
Dividend Per Share, 5 Yr. CAGR %	4.84	6.96	7.14	8.45	14.01
Gross Loans, 5 Yr. CAGR %	5.23	1.93	6.25	6.45	6.46
Allowance For Loan Losses, 5 Yr. CAGR %	6.32	7.85	11.94	10.1	9.31
Net Loans, 5 Yr. CAGR %	5.23	1.87	6.21	6.4	6.41
Non Performing Loans, 5 Yr. CAGR %	4.83	2.73	5.9	8.7	8.83
Non Performing Assets, 5 Yr. CAGR %	4.83	2.73	5.9	8.7	8.83
Total Assets, 5 Yr. CAGR %	4.72	5.36	6.04	7.55	6.61
Total Deposits, 5 Yr CAGR %	4.48	4.53	6.13	6.26	6.54
Tangible Book Value, 5 Yr. CAGR %	7.22	4.72	3.74	7.65	8.72
Average Interest Earning Assets, 5 Yr. CAGR %	2.54	-	-	7.55	14.62
Average Interest Bearing Liabilities, 5 Yr. CAGR %	3.89	-	-	5.74	6.26
Common Equity, 5 Yr. CAGR %	6.48	4.09	3.58	7.43	8.48
Total Equity, 5 Yr. CAGR %	3.28	1.46	1.61	6.7	8.56