Income Statement US Bancorp

Equities

USB

US9029733048

Banks

Market Closed - Nyse Other stock markets 16:00:02 2025-07-11 EDT			5-day change	1st Jan Change
47.14 ^USD	-0.90%		-1.65%	-1.44%

07-10	JPMorgan Adjusts Price Target on U.S. Bancorp to $48.50 From $42, Maintains Underweight Rating	MT
07-08	Autonomous Research Adjusts Price Target on U.S. Bancorp to $51 From $44, Maintains Neutral Rating	MT

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Published financial data: US BANCORP

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	12.23B	10.98B	13.8B	22.47B	23.18B
Interest Income On Investments	2.61B	2.51B	4.14B	7.54B	8.48B
Interest Income, Total	14.84B	13.49B	17.94B	30.01B	31.67B
Interest On Deposits	950M	320M	1.87B	8.78B	11.69B
Total Interest On Borrowings	1.06B	673M	1.34B	3.84B	3.69B
Interest Expense, Total	2.02B	993M	3.22B	12.61B	15.38B
Net Interest Income	12.82B	12.49B	14.73B	17.4B	16.29B
Service Charges On Deposits	677M	724M	1.3B	1.31B	1.25B
Trust Income	1.74B	1.83B	2.21B	2.46B	2.66B
Credit Card Fee	1.34B	1.51B	1.51B	1.63B	1.68B
Total Mortgage Banking Activities	2.06B	1.36B	527M	540M	627M
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-1M	-29M	-45M	-145M	-154M
Total Other Non Interest Income	4.41B	4.7B	3.89B	4.83B	4.98B
Non Interest Income, Total	10.22B	10.1B	9.39B	10.62B	11.05B
Revenues Before Provison For Loan Losses	23.05B	22.59B	24.12B	28.01B	27.34B
Provision For Loan Losses	3.81B	-1.17B	1.98B	2.28B	2.24B
Total Revenues	19.24B	23.76B	22.14B	25.74B	25.1B
Salaries And Other Employee Benefits	7.75B	8.52B	8.96B	10.19B	10.32B
Amort. of Goodwill & Intang. Assets	176M	159M	215M	636M	569M
Occupancy Expense	718M	684M	706M	770M	717M
Selling General & Admin Expenses, Total	2.89B	3.16B	3.3B	4.06B	3.94B
Total Other Non Interest Expense	1.66B	1.08B	1.33B	2.21B	1.48B
Non Interest Expense, Total	13.19B	13.6B	14.51B	17.86B	17.03B
EBT, Excl. Unusual Items	6.05B	10.17B	7.63B	7.87B	8.06B
Total Merger & Related Restructuring Charges	-	-	-329M	-1.01B	-155M
EBT, Incl. Unusual Items	6.05B	10.17B	7.3B	6.86B	7.91B
Income Tax Expense	1.07B	2.18B	1.46B	1.41B	1.58B
Earnings From Continuing Operations	4.98B	7.98B	5.84B	5.46B	6.33B
Net Income to Company	4.98B	7.98B	5.84B	5.46B	6.33B
Minority Interest	-26M	-22M	-13M	-29M	-30M
Net Income - (IS)	4.96B	7.96B	5.82B	5.43B	6.3B
Preferred Dividend and Other Adjustments	338M	358M	324M	378M	390M
Net Income to Common Incl Extra Items	4.62B	7.6B	5.5B	5.05B	5.91B
Net Income to Common Excl. Extra Items	4.62B	7.6B	5.5B	5.05B	5.91B
Per Share Items
Net EPS - Basic	3.06	5.11	3.69	3.27	3.79
Basic EPS - Continuing Operations	3.06	5.11	3.69	3.27	3.79
Basic Weighted Average Shares Outstanding	1.51B	1.49B	1.49B	1.54B	1.56B
Net EPS - Diluted	3.06	5.1	3.69	3.27	3.79
Diluted EPS - Continuing Operations	3.06	5.1	3.69	3.27	3.79
Diluted Weighted Average Shares Outstanding	1.51B	1.49B	1.49B	1.54B	1.56B
Normalized Basic EPS	2.49	4.25	3.19	3.17	3.21
Normalized Diluted EPS	2.49	4.25	3.19	3.17	3.21
Dividend Per Share	1.68	1.76	1.88	1.93	1.98
Payout Ratio	57.51	36.26	52.79	60.99	54.74
American Depositary Receipts Ratio (ADR)	0.25	0.25	0.25	0.25	0.25
Supplemental Items
Effective Tax Rate - (Ratio)	17.62	21.45	20.04	20.5	19.98
Current Domestic Taxes	1.5B	1.6B	1.77B	1.92B	1.55B
Total Current Taxes	1.5B	1.6B	1.77B	1.92B	1.55B
Deferred Domestic Taxes	-435M	580M	-304M	-509M	29M
Total Deferred Taxes	-435M	580M	-304M	-509M	29M
Normalized Net Income	3.76B	6.33B	4.76B	4.89B	5.01B
Non-Cash Pension Expense	-34M	-64M	-95M	-172M	-204M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	189M	207M	202M	224M	232M
Total Stock-Based Compensation	189M	207M	202M	224M	232M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	62.51B	28.83B	53.5B	61.14B	56.45B
Investment Securities, Total	36.88B	51.88B	43.46B	44.51B	55.26B
Trading Asset Securities, Total	4.13B	2.28B	2.44B	2.86B	3.37B
Mortgage Backed Securities	105B	127B	124B	116B	118B
Total investments	146B	182B	170B	163B	176B
Gross Loans	298B	312B	388B	374B	380B
Allowance For Loan Losses	-7.31B	-5.72B	-6.94B	-7.38B	-7.58B
Net Loans	290B	306B	381B	366B	372B
Gross Property Plant And Equipment	8.62B	8.25B	8.93B	8.26B	8.15B
Accumulated Depreciation	-5.15B	-4.95B	-5.07B	-4.64B	-4.59B
Net Property Plant And Equipment	3.47B	3.3B	3.86B	3.62B	3.56B
Goodwill	9.92B	10.26B	12.37B	12.49B	12.54B
Other Intangibles, Total	654M	785M	3.4B	2.71B	2.18B
Loans Held For Sale	8.76B	7.78B	2.2B	2.2B	2.57B
Restricted Cash	73M	78M	45M	53M	53M
Other Current Assets, Total	1.26B	1.19B	702M	3.55B	7.5B
Other Real Estate Owned And Foreclosed	74M	44M	44M	45M	39M
Other Long-Term Assets, Total	30.42B	33.13B	47.68B	47.74B	44.81B
Total Assets	554B	573B	675B	663B	678B
Liabilities
Interest Bearing Deposits	289B	310B	375B	407B	420B
Institutional Deposits	22.24B	11.36B	12B	15.34B	14.55B
Non-Interest Bearing Deposits	118B	135B	138B	89.99B	84.16B
Total Deposits	430B	456B	525B	512B	518B
Short-Term Borrowings	13.06B	13.1B	37.36B	19.87B	20.73B
Current Portion of Long-Term Debt	-	1.3B	-	6.66B	8.2B
Current Portion of Leases	308M	305M	398M	418M	362M
Long-Term Debt	36.95B	27.44B	34.6B	32.62B	34.1B
Federal Home Loan Bank Debt - Long-Term	4.28B	3.27B	5.05B	12.05B	15.55B
Long-Term Leases	1B	978M	1.28B	1.14B	1.16B
Other Non Current Liabilities	14.82B	15.41B	19.9B	22.65B	20.87B
Total Liabilities	500B	518B	624B	608B	619B
Preferred Stock Redeemable	5.98B	6.37B	6.81B	6.81B	6.81B
Total Preferred Equity	5.98B	6.37B	6.81B	6.81B	6.81B
Common Stock, Total	21M	21M	21M	21M	21M
Additional Paid In Capital	8.51B	8.54B	8.71B	8.67B	8.72B
Retained Earnings	64.19B	69.2B	71.9B	74.03B	76.86B
Treasury Stock	-25.93B	-27.27B	-25.27B	-24.13B	-24.06B
Comprehensive Income and Other	322M	-1.94B	-11.41B	-10.1B	-9.76B
Total Common Equity	47.11B	48.55B	43.96B	48.5B	51.77B
Minority Interest	630M	469M	466M	465M	462M
Total Equity	53.72B	55.39B	51.23B	55.77B	59.04B
Total Liabilities And Equity	554B	573B	675B	663B	678B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.5B	1.48B	1.53B	1.56B	1.56B
ECS Total Common Shares Outstanding	1.51B	1.48B	1.53B	1.56B	1.56B
Book Value / Share	31.26	32.72	28.71	31.13	33.19
Tangible Book Value	36.54B	37.5B	28.18B	33.3B	37.06B
Tangible Book Value Per Share	24.25	25.28	18.41	21.37	23.76
Tangible Book Value Per Share (As Reported)	-	-	-	22.3	24.63
Average Assets	531B	557B	592B	663B	664B
Average Loans	314B	305B	337B	384B	376B
Total Debt	55.59B	46.4B	78.69B	72.75B	80.1B
Debt Equivalent of Unfunded Proj. Benefit Obligation	307M	-83M	-758M	-501M	-765M
Net Debt	-11.05B	15.3B	22.75B	8.75B	20.28B
Full Time Employees	68.11K	68.8K	76.65K	75.46K	70.26K
Number Of Offices	2.43K	2.23K	2.49K	2.27K	2.16K
Assets under Capital Lease - Gross	-	-	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	4.96B	7.96B	5.82B	5.43B	6.3B
Depreciation, Depletion & Amortization	351M	338M	345M	382M	370M
Amortization of Goodwill and Intangible Assets - (CF)	176M	159M	215M	636M	569M
Total Depreciation, Depletion & Amortization	527M	497M	560M	1.02B	939M
Gain (Loss) on Sale of Loans & Receivables - (CF)	-2.19B	-1.14B	387M	7M	-184M
(Gain) Loss on Sale of Investments - (CF)	-344M	-398M	-188M	119M	123M
Provision for Credit Losses	3.81B	-1.17B	1.98B	2.28B	2.24B
Net (Increase) Decrease in Loans Originated / Sold - Operating	-1.98B	1.69B	5.77B	-250M	-217M
Other Operating Activities	-1.06B	2.43B	6.79B	-151M	2.08B
Cash from Operations	3.72B	9.87B	21.12B	8.45B	11.27B
Cash Acquisitions	-	-	12.26B	-330M	-103M
Investment in Marketable and Equity Securities, Total	-11.78B	-41.75B	25.65B	12.01B	-14.7B
Net (Increase) Decrease in Loans Originated / Sold - Investing	-3.02B	-15.74B	-25.01B	8.43B	-7.9B
Other Investing Activities, Total	-636M	3M	-5.39B	-1.18B	-1.84B
Cash from Investing	-15.44B	-57.49B	7.5B	18.92B	-24.53B
Short Term Debt Issued, Total	-	30M	15.21B	-	239M
Long-Term Debt Issued, Total	14.5B	2.63B	8.73B	15.58B	12.02B
Total Debt Issued	14.5B	2.66B	23.94B	15.58B	12.26B
Short Term Debt Repaid, Total	-11.96B	-	-	-16.51B	-
Long-Term Debt Repaid, Total	-14.48B	-11.43B	-6.93B	-4.08B	-6.04B
Total Debt Repaid	-26.43B	-11.43B	-6.93B	-20.59B	-6.04B
Issuance of Common Stock	15M	43M	21M	951M	32M
Repurchase of Common Stock	-1.67B	-1.56B	-69M	-62M	-173M
Issuance of Preferred Stock	486M	2.22B	437M	-	-
Repurchase of Preferred Stock	-	-1.25B	-1.1B	-	-
Common Dividends Paid	-2.55B	-2.58B	-2.78B	-2.97B	-3.09B
Preferred Dividends Paid	-300M	-308M	-299M	-341M	-356M
Common & Preferred Stock Dividends Paid	-2.85B	-2.89B	-3.08B	-3.31B	-3.45B
Net Increase (Decrease) in Deposit Accounts - (CF)	67.85B	26.31B	-17.22B	-12.29B	6B
Other Financing Activities, Total	-	-167M	-	-	-55M
Cash from Financing	51.9B	13.94B	-3.98B	-19.72B	8.57B
Net Change in Cash	40.18B	-33.68B	24.64B	7.65B	-4.69B
Supplemental Items
Cash Interest Paid	2.2B	1.06B	2.72B	12.28B	15.38B
Cash Income Tax Paid (Refund)	1.02B	535M	767M	645M	499M
Net Debt Issued / Repaid	-11.93B	-8.78B	17.02B	-5.01B	6.21B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.95	1.42	0.94	0.82	0.94
Return On Equity %	9.39	14.64	10.95	10.2	11.02
Return on Common Equity	9.94	15.9	11.89	10.93	11.79
Shareholders Value Added	-444M	2.38B	695M	1.15B	949M
Margin Analysis
SG&A Margin	59.04	52.02	58.55	58.35	59.7
Net Interest Income / Total Revenues %	66.65	52.58	66.52	67.59	64.9
EBT Excl. Non-Recurring Items Margin %	31.45	42.78	34.46	30.59	32.13
Income From Continuing Operations Margin %	25.91	33.6	26.37	21.21	25.22
Net Income Margin %	25.77	33.51	26.31	21.09	25.1
Net Avail. For Common Margin %	24.02	32	24.84	19.62	23.54
Normalized Net Income Margin	19.52	26.65	21.48	19.01	19.96
Asset quality
Nonperforming Loans / Total Loans %	0.41	0.27	0.25	0.39	0.47
Nonperforming Loans / Total Assets %	0.22	0.15	0.14	0.22	0.26
Nonperforming Assets / Total Assets %	0.23	0.15	0.15	0.23	0.27
NPAs / Loans and OREO	0.44	0.28	0.26	0.4	0.48
NPAs / Equity	2.42	1.59	1.98	2.68	3.1
Allowance for Credit Losses / Net Charge-offs %	409.52	839.3	652.49	387.35	352.37
Allowance for Credit Losses / Nonperforming Loans %	597.55	686.33	713.58	509.25	422.92
Allowance for Credit Losses / Total Loans %	2.46	1.83	1.79	1.97	2
Net Charge-offs / Total Average Loans %	0.57	0.22	0.32	0.5	0.57
Provision for Loan Losses / Net Charge-offs %	213.1	-171.99	185.98	119.42	104
Earning Assets / IBL	132.51	141.17	136.05	127.1	121.77
Interest Income / Average Assets	2.79	2.42	3.03	4.52	4.77
Interest Expense / Average Assets	0.38	0.18	0.54	1.9	2.32
Net Interest Income / Average Assets	2.41	2.24	2.49	2.62	2.45
Non Interest Income / Average Assets	1.92	1.81	1.59	1.6	1.66
Non Interest Expense / Average Asset	2.48	2.44	2.45	2.69	2.57
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.86	8.49	7.41	6.91	7.47
Total Average Equity / Total Average Assets %	10.12	9.68	8.54	8	8.56
Total Equity + Allowance for Loan Losses / Total Loans %	20.29	19.43	14.86	16.77	17.42
Gross Loans / Total Deposits %	69.27	68.41	73.95	72.97	73.28
Net Loans / Total Deposits %	67.57	67.16	72.63	71.53	71.82
Tier 1 Capital Ratio %	11.3	11.6	9.8	11.5	12.2
Total Capital Ratio %	13.4	13.4	11.9	13.7	14.3
Core Tier 1 Capital Ratio	9.7	10	8.4	9.9	10.6
Tier 2 Capital Ratio	2.06	1.85	2.05	2.14	2.05
Equity Tier 1 Capital Ratio	9.5	9.2	6	7.7	8.5
Coverage Ratio	-	-	-	-	-
Leverage Ratio %	8.3	8.6	7.9	8.1	8.3
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	6.68	16.11	6.43	2.79	3.14
EBT + Interest Expense / Interest Expense	4	11.24	3.27	1.54	1.51
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-1.74	-2.58	17.88	18.12	-6.36
Non Interest Income, 1 Yr. Growth %	6.58	-1.25	-6.97	12.28	4.04
Provision For Loan Losses, 1 Yr. Growth %	153.06	-130.82	-268.54	15.07	-1.63
Total Revenues, 1 Yr. Growth %	-8.98	23.49	-6.82	15.9	-2.49
Earnings From Cont. Operations, 1 Yr. Growth %	-28.23	60.18	-26.89	-6.51	15.96
Net Income, 1 Yr. Growth %	-28.28	60.58	-26.85	-6.8	16.02
Normalized Net Income, 1 Yr. Growth %	-31.26	68.58	-24.89	2.87	2.41
Diluted EPS Before Extra, 1 Yr. Growth %	-26.44	66.67	-27.65	-11.38	15.84
Dividend Per Share, 1 Yr. Growth %	6.33	4.76	6.82	2.66	2.59
Gross Loans, 1 Yr. Growth %	0.54	4.81	24.42	-3.7	1.6
Allowance For Loan Losses, 1 Yr. Growth %	81.94	-21.74	21.17	6.39	2.76
Net Loans, 1 Yr. Growth %	-0.58	5.48	24.48	-3.89	1.58
Non Performing Loans, 1 Yr. Growth %	76.88	-31.86	16.55	49.07	23.74
Non Performing Assets, 1 Yr. Growth %	56.57	-32.36	15.72	47.05	22.62
Total Assets, 1 Yr. Growth %	11.8	3.5	17.71	-1.68	2.23
Total Deposits, 1 Yr Growth %	18.75	6.12	15.11	-2.41	1.17
Tangible Book Value, 1 Yr. Growth %	2.82	2.63	-24.84	18.16	11.27
Average Interest Earning Assets, 1 Yr. Growth %	11.81	5.14	7.75	10.98	0.24
Average Interest Bearing Liabilities, 1 Yr. Growth %	9.21	-1.31	11.8	18.79	4.62
Common Equity, 1 Yr. Growth %	2.71	3.05	-9.45	10.33	6.75
Total Equity, 1 Yr. Growth %	2.37	3.09	-7.5	8.86	5.86
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-0.36	-2.16	7.16	18	5.17
Non Interest Income, 2 Yr. CAGR %	5	2.59	-4.16	1.89	8.08
Provision For Loan Losses, 2 Yr. CAGR %	66.13	-11.69	-27.93	39.26	6.4
Total Revenues, 2 Yr. CAGR %	-3.85	6.02	7.27	3.79	6.31
Earnings From Cont. Operations, 2 Yr. CAGR %	-16.35	7.22	8.22	-17.32	4.12
Net Income, 2 Yr. CAGR %	-16.4	7.32	8.38	-17.43	3.99
Normalized Net Income, 2 Yr. CAGR %	-16.57	8.9	12.53	-12.1	2.64
Diluted EPS Before Extra, 2 Yr. CAGR %	-14.03	10.72	9.81	-19.93	1.32
Dividend Per Share, 2 Yr. CAGR %	11.97	5.54	5.78	4.72	2.63
Gross Loans, 2 Yr. CAGR %	1.88	2.65	14.19	9.46	-1.09
Allowance For Loan Losses, 2 Yr. CAGR %	35.68	19.33	-2.62	13.54	4.56
Net Loans, 2 Yr. CAGR %	1.33	2.41	14.58	9.38	-1.19
Non Performing Loans, 2 Yr. CAGR %	22.4	9.78	-10.89	31.81	35.82
Non Performing Assets, 2 Yr. CAGR %	14.56	2.91	-11.53	30.45	34.28
Total Assets, 2 Yr. CAGR %	8.86	7.57	10.38	7.58	0.26
Total Deposits, 2 Yr CAGR %	11.53	12.26	10.52	5.99	-0.64
Tangible Book Value, 2 Yr. CAGR %	2.07	2.72	-12.17	-5.76	14.66
Average Interest Earning Assets, 2 Yr. CAGR %	7.69	8.43	6.43	9.35	5.47
Average Interest Bearing Liabilities, 2 Yr. CAGR %	7.48	3.82	5.04	15.24	11.48
Common Equity, 2 Yr. CAGR %	2.27	2.88	-3.41	-0.05	8.52
Total Equity, 2 Yr. CAGR %	1.98	2.73	-2.35	0.35	7.35
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	1.18	-1.11	4.11	10.7	9.24
Non Interest Income, 3 Yr. CAGR %	4.76	2.87	-0.7	1.27	2.6
Provision For Loan Losses, 3 Yr. CAGR %	39.9	-5.25	9.54	-15.76	24.03
Total Revenues, 3 Yr. CAGR %	-1.09	4.52	1.56	10.18	1.65
Earnings From Cont. Operations, 3 Yr. CAGR %	-7.28	3.88	-5.63	3.07	-7.45
Net Income, 3 Yr. CAGR %	-7.26	3.92	-5.55	3.06	-7.52
Normalized Net Income, 3 Yr. CAGR %	-6.96	5.48	-3.78	9.21	-7.51
Diluted EPS Before Extra, 3 Yr. CAGR %	-4.47	7.2	-3.92	2.24	-9.44
Dividend Per Share, 3 Yr. CAGR %	13.14	9.51	5.97	4.73	4
Gross Loans, 3 Yr. CAGR %	2.01	2.85	9.45	7.89	6.77
Allowance For Loan Losses, 3 Yr. CAGR %	23.06	12.94	19.94	0.3	9.83
Net Loans, 3 Yr. CAGR %	1.65	2.69	9.29	8.06	6.72
Non Performing Loans, 3 Yr. CAGR %	6.69	0.69	11.99	5.79	29.06
Non Performing Assets, 3 Yr. CAGR %	2.65	-3.89	7.02	4.8	27.78
Total Assets, 3 Yr. CAGR %	6.23	7.05	10.85	6.2	5.77
Total Deposits, 3 Yr CAGR %	7.37	9.7	13.2	6.03	4.36
Tangible Book Value, 3 Yr. CAGR %	2.83	2.25	-7.44	-3.05	-0.4
Average Interest Earning Assets, 3 Yr. CAGR %	5.81	6.84	8.2	7.93	6.22
Average Interest Bearing Liabilities, 3 Yr. CAGR %	6.33	4.46	6.41	9.44	11.59
Common Equity, 3 Yr. CAGR %	2.6	2.53	-1.41	0.97	2.17
Total Equity, 3 Yr. CAGR %	2.65	2.35	-0.8	1.25	2.15
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	3.12	1.38	3.53	6.13	4.53
Non Interest Income, 5 Yr. CAGR %	3.39	2.62	1.1	2.74	2.86
Provision For Loan Losses, 5 Yr. CAGR %	27.45	-2.39	7.3	10.53	8.27
Total Revenues, 5 Yr. CAGR %	0.76	4.34	2.18	4.34	3.49
Earnings From Cont. Operations, 5 Yr. CAGR %	-3.42	6.08	-1.36	-5.19	-1.84
Net Income, 5 Yr. CAGR %	-3.35	6.22	-1.3	-5.21	-1.85
Normalized Net Income, 5 Yr. CAGR %	-5.43	4.8	0.39	-1.94	-1.26
Diluted EPS Before Extra, 5 Yr. CAGR %	-0.64	9.5	1.01	-4.61	-1.86
Dividend Per Share, 5 Yr. CAGR %	10.71	10.47	10.14	7.57	4.62
Gross Loans, 5 Yr. CAGR %	2.68	2.69	6.72	5.44	5.11
Allowance For Loan Losses, 5 Yr. CAGR %	13.62	8.46	12.06	13.18	13.53
Net Loans, 5 Yr. CAGR %	2.47	2.6	6.64	5.32	4.97
Non Performing Loans, 5 Yr. CAGR %	0.53	-9.42	-0.72	12.14	20.97
Non Performing Assets, 5 Yr. CAGR %	-3.15	-11.34	-3.27	8.6	17.19
Total Assets, 5 Yr. CAGR %	5.6	5.15	7.87	7.26	6.49
Total Deposits, 5 Yr CAGR %	7.43	6.39	8.62	8.2	7.45
Tangible Book Value, 5 Yr. CAGR %	3.73	3.39	-3.46	-1.03	0.84
Average Interest Earning Assets, 5 Yr. CAGR %	5.55	5.36	6.06	7.83	7.1
Average Interest Bearing Liabilities, 5 Yr. CAGR %	6.16	4.5	5.81	8.65	8.41
Common Equity, 5 Yr. CAGR %	3	3.04	0.15	1.49	2.45
Total Equity, 5 Yr. CAGR %	2.79	2.93	0.62	1.54	2.38