Income Statement Bank of Communications Co., Ltd.

Equities

3328

CNE100000205

Banks

Market Closed - Hong Kong S.E. Other stock markets 09:08:03 12/05/2026 BST			5-day change	1st Jan Change
7.310 ^HKD	+0.55%		+2.67%	+13.33%

05-08	Former China Eastern Airlines chairman indicted on bribery charges	RE
04-29	Bank of Communications Co., Ltd. Reports Earnings Results for the First Quarter Ended March 31, 2026	CI

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Published financial data: BANK OF COMMUNICATIONS CO., LTD.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	378B	418B	460B	452B	419B
Interest Income, Total	378B	418B	460B	452B	419B
Interest On Deposits	216B	248B	296B	282B	246B
Interest Expense, Total	216B	248B	296B	282B	246B
Net Interest Income	162B	170B	164B	170B	173B
Income From Trading Activities	23.34B	-	-	-	19.69B
Income (Loss) on Real Estate Property	-	-8M	-61M	-231M	-
Gain (Loss) on Sale of Assets	454M	739M	793M	878M	957M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	1.31B	-	-2M	13.5B	4.56B
Income (Loss) on Equity Invest. (Income Block)	277M	-	-	514M	495M
Total Other Non Interest Income	82.49B	102B	92.68B	75.1B	66.49B
Non Interest Income, Total	108B	103B	93.41B	89.76B	92.2B
Revenues Before Provison For Loan Losses	270B	273B	258B	260B	265B
Provision For Loan Losses	66.37B	60.41B	56.91B	52.57B	54.55B
Total Revenues	203B	213B	201B	207B	211B
Salaries And Other Employee Benefits	-	-	-	-	44.05B
Occupancy Expense	-	-	-	-	9.59B
Selling General & Admin Expenses, Total	9.11B	86.7B	91.17B	92.94B	16.06B
(Income) Loss on Real Estate Property	284M	-	-	-	95M
Total Other Non Interest Expense	98.19B	26B	9.02B	9.32B	35.79B
Non Operating (Income) Expenses	-	-248M	-267M	-124M	-
Non Interest Expense, Total	108B	112B	99.93B	102B	106B
EBT, Excl. Unusual Items	95.61B	100B	101B	105B	105B
Asset Writedown	-1.85B	-1.89B	-1B	-1.41B	-1.48B
Legal Settlements	199M	-	-	-	98M
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	93.96B	98.22B	99.7B	103B	104B
Income Tax Expense	5.02B	6.18B	6.45B	9.25B	7.25B
Earnings From Continuing Operations	88.94B	92.03B	93.25B	94.23B	96.51B
Net Income to Company	88.94B	92.03B	93.25B	94.23B	96.51B
Minority Interest	-1.36B	119M	-524M	-643M	-892M
Net Income - (IS)	87.58B	92.15B	92.73B	93.59B	95.62B
Preferred Dividend and Other Adjustments	5.61B	7.48B	7.47B	7.46B	6.7B
Net Income to Common Incl Extra Items	81.97B	84.67B	85.26B	86.12B	88.92B
Net Income to Common Excl. Extra Items	81.97B	84.67B	85.26B	86.12B	88.92B
Per Share Items
Net EPS - Basic	1.1	1.14	1.15	1.16	1.08
Basic EPS - Continuing Operations	1.1	1.14	1.15	1.16	1.08
Basic Weighted Average Shares Outstanding	74.26B	74.26B	74.26B	74.26B	82.03B
Net EPS - Diluted	1.1	1.14	1.15	1.16	1.08
Diluted EPS - Continuing Operations	1.1	1.14	1.15	1.16	1.08
Diluted Weighted Average Shares Outstanding	74.26B	74.26B	74.26B	74.26B	82.03B
Normalized Basic EPS	0.79	0.84	0.84	0.87	0.79
Normalized Diluted EPS	0.79	0.84	0.84	0.87	0.79
Dividend Per Share	0.36	0.37	0.38	0.38	0.32
Payout Ratio	101.43	53.11	54.34	55.76	40.85
American Depositary Receipts Ratio (ADR)	25	25	25	25	25
Supplemental Items
Effective Tax Rate - (Ratio)	5.34	6.3	6.47	8.94	6.99
Total Current Taxes	8.88B	11.1B	7.34B	13.93B	5.88B
Total Deferred Taxes	-3.86B	-4.91B	-889M	-4.68B	1.37B
Normalized Net Income	58.4B	62.68B	62.41B	64.91B	64.82B
Non-Cash Pension Expense	24M	26M	21M	29M	27M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	13.3B	13.84B	203B	162B	126B
Investment Securities, Total	3,497B	3,898B	4,217B	4,320B	3,934B
Trading Asset Securities, Total	678B	775B	710B	757B	644B
Total investments	4,174B	4,673B	4,926B	5,077B	4,578B
Gross Loans	6,560B	7,315B	7,978B	8,788B	9,124B
Allowance For Loan Losses	-160B	-176B	-204B	-225B	-242B
Other Adjustments to Gross Loans	-	-	-	-	-
Net Loans	6,400B	7,139B	7,775B	8,563B	8,881B
Gross Property Plant And Equipment	260B	295B	328B	359B	374B
Accumulated Depreciation	-82.48B	-93.85B	-103B	-114B	-120B
Net Property Plant And Equipment	178B	201B	224B	246B	253B
Goodwill	395M	407M	415M	399M	407M
Other Intangibles, Total	3.87B	3.95B	4.63B	4.84B	4.82B
Investment in Real Estate	6.34B	6.39B	5.52B	5.46B	6.21B
Accrued Interest Receivable	20.31B	5.25B	5.87B	36.52B	32.51B
Other Receivables	182B	189B	144B	88.37B	934B
Restricted Cash	624B	683B	694B	638B	637B
Other Current Assets, Total	21.66B	30.41B	26.3B	27.42B	43.93B
Deferred Tax Assets Long-Term (Collected)	32.06B	38.77B	40.38B	42.75B	42.2B
Other Real Estate Owned And Foreclosed	1.03B	1B	945M	523M	440M
Deferred Charges Long-Term	721M	879M	1.19B	1.06B	926M
Other Long-Term Assets, Total	6.77B	6.84B	8.6B	7.34B	7.39B
Total Assets	11,666B	12,992B	14,060B	14,901B	15,548B
Liabilities
Accrued Expenses, Total	20.04B	21.74B	23.49B	26.2B	27.19B
Interest Bearing Deposits	4,937B	6,077B	6,537B	7,144B	7,701B
Non-Interest Bearing Deposits	2,913B	2,874B	2,935B	2,911B	2,869B
Total Deposits	7,850B	8,952B	9,472B	10,055B	10,570B
Short-Term Borrowings	1,117B	1,029B	1,289B	1,494B	1,350B
Current Portion of Long-Term Debt	863B	1,043B	1,162B	1,074B	1,249B
Current Portion of Leases	-	-	-	2.32B	-
Long-Term Debt	485B	524B	599B	642B	608B
Long-Term Leases	31.74B	18.39B	19.12B	4.21B	6.26B
Current Income Taxes Payable	4.72B	3.94B	4.54B	8.06B	5.14B
Accrued Interest Payable	83.59B	119B	156B	167B	164B
Other Current Liabilities - (Bank / Utility Template)	40.29B	59B	59.88B	71.6B	84.97B
Pension & Other Post Retirement Benefits	-	-	-	-	-
Deferred Tax Liability Non-Current	1.89B	1.79B	2.41B	4.32B	3.66B
Other Non Current Liabilities	193B	185B	174B	196B	200B
Total Liabilities	10,689B	11,957B	12,961B	13,745B	14,268B
Preferred Stock Convertible	44.95B	44.95B	44.95B	44.95B	44.95B
Total Preferred Equity	44.95B	44.95B	44.95B	44.95B	44.95B
Common Stock, Total	74.26B	74.26B	74.26B	74.26B	88.36B
Additional Paid In Capital	111B	111B	111B	111B	216B
Retained Earnings	608B	667B	723B	768B	829B
Comprehensive Income and Other	126B	127B	134B	146B	91.44B
Total Common Equity	920B	978B	1,043B	1,099B	1,224B
Minority Interest	12.59B	12.33B	11.42B	11.29B	11.05B
Total Equity	977B	1,036B	1,099B	1,156B	1,280B
Total Liabilities And Equity	11,666B	12,992B	14,060B	14,901B	15,548B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	74.26B	74.26B	74.26B	74.26B	88.36B
ECS Total Common Shares Outstanding	74.26B	74.26B	74.26B	74.26B	88.36B
Book Value / Share	10.64	11.43	12.3	13.06	12.93
Tangible Book Value	915B	974B	1,038B	1,094B	1,219B
Tangible Book Value Per Share	10.58	11.37	12.23	12.98	12.87
Average Assets	11,407B	12,613B	13,872B	14,391B	15,397B
Average Loans	6,154B	6,935B	7,742B	8,265B	8,908B
Total Debt	2,495B	2,614B	3,069B	3,216B	3,213B
Deposits at Interest - Cash	90.66B	235B	263B	148B	113B
Debt Equivalent of Unfunded Proj. Benefit Obligation	385M	396M	331M	320M	-
Net Debt	1,198B	1,186B	1,411B	1,643B	2,441B
Equity Method Investments, Total	5.78B	8.75B	8.99B	11.6B	16.9B
Full Time Employees	90.24K	91.82K	94.28K	95.75K	97.93K
Number Of Offices	2.8K	2.79K	2.8K	2.8K	2.84K
Assets on Operating Lease - Gross	-	-	202B	232B	244B
Assets on Operating Lease - Accumulated Depreciation	-	-	-39.5B	-45.28B	-48.34B

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	87.58B	92.15B	92.73B	93.59B	95.62B
Depreciation, Depletion & Amortization	14.46B	15.6B	17.74B	18.65B	19.32B
Amortization of Goodwill and Intangible Assets - (CF)	-	82M	85M	79M	-
Total Depreciation, Depletion & Amortization	14.46B	15.68B	17.82B	18.73B	19.32B
Amortization of Deferred Charges, Total	376M	467M	456M	639M	688M
(Gain) Loss On Sale of Asset - (CF)	-170M	-739M	-732M	-647M	-862M
(Gain) Loss on Sale of Investments - (CF)	-1.52B	-12.3B	5.32B	-1.72B	-4.24B
Total Asset Writedown	562M	1.72B	1.18B	1.49B	-3.12B
Provision for Credit Losses	63.5B	57.71B	57.54B	50.32B	54.67B
(Income) Loss On Equity Investments - (CF)	-277M	-	-	-	-495M
Change in Trading Asset Securities	-128B	-	-	-	66.77B
Change In Deferred Taxes	-	-4.91B	-889M	-4.68B	-
Change in Other Net Operating Assets (Collected)	-698B	268B	70.48B	-121B	-541B
Other Operating Activities	-47.45B	-49.09B	-107B	-93.92B	-95.95B
Cash from Operations	-709B	368B	137B	-57.35B	-409B
Capital Expenditure	-20.48B	-31.66B	-47.59B	-42.18B	-40.49B
Sale of Property, Plant, and Equipment	3.46B	7.03B	9.6B	5.82B	12.56B
Cash Acquisitions	-	-2.78B	-	-2.51B	-4.9B
Purchase / Sale of Intangible Assets	-1.96B	-	-	-	-2.64B
Investment in Marketable and Equity Securities, Total	-146B	-353B	-191B	-173B	-258B
Other Investing Activities, Total	89.49B	95.73B	112B	114B	113B
Cash from Investing	-75.55B	-285B	-117B	-98.09B	-180B
Long-Term Debt Issued, Total	96.12B	182B	196B	205B	168B
Total Debt Issued	96.12B	182B	196B	205B	168B
Long-Term Debt Repaid, Total	-17.76B	-166B	-140B	-110B	-167B
Total Debt Repaid	-17.76B	-166B	-140B	-110B	-167B
Issuance of Common Stock	41.5B	-	-	40B	123B
Repurchase of Common Stock	-29.15B	-	-	-40B	-53.44B
Issuance of Preferred Stock	-	-	-	-	-
Common Dividends Paid	-	-	-	-	-
Preferred Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-88.83B	-48.94B	-50.39B	-52.18B	-39.06B
Common & Preferred Stock Dividends Paid	-88.83B	-48.94B	-50.39B	-52.18B	-39.06B
Net Increase (Decrease) in Deposit Accounts - (CF)	675B	-	-	-	541B
Other Financing Activities, Total	-564M	-515M	-439M	-326M	-18.49B
Cash from Financing	676B	-32.98B	4.89B	42.52B	554B
Foreign Exchange Rate Adjustments	-3.8B	4.15B	1.07B	-594M	-409M
Net Change in Cash	-113B	54.5B	26.66B	-114B	-35.49B
Supplemental Items
Cash Interest Paid	186B	206B	246B	257B	251B
Cash Income Tax Paid (Refund)	-939M	35.1B	28.89B	31.6B	8.85B
Net Debt Issued / Repaid	78.36B	16.48B	55.72B	95.03B	1.24B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.8	0.75	0.69	0.65	0.63
Return On Equity %	9.58	9.14	8.74	8.36	7.92
Return on Common Equity	9.41	8.92	8.44	8.04	7.65
Shareholders Value Added	-16.9B	-21.66B	-28.4B	-34.88B	-43.8B
Margin Analysis
SG&A Margin	4.48	40.79	45.44	44.89	33.08
Net Interest Income / Total Revenues %	79.58	79.95	81.81	82.03	82.13
EBT Excl. Non-Recurring Items Margin %	47.06	47.09	50.19	50.66	49.89
Income From Continuing Operations Margin %	43.77	43.3	46.48	45.52	45.8
Net Income Margin %	43.1	43.35	46.22	45.2	45.38
Net Avail. For Common Margin %	40.34	39.83	42.49	41.6	42.2
Normalized Net Income Margin	28.74	29.49	31.11	31.35	30.76
Asset quality
Nonperforming Loans / Total Loans %	1.48	1.35	1.32	1.27	1.28
Nonperforming Loans / Total Assets %	0.83	0.76	0.75	0.75	0.75
Nonperforming Assets / Total Assets %	0.84	0.77	0.76	0.75	0.76
NPAs / Loans and OREO	1.49	1.36	1.34	1.28	1.29
NPAs / Equity	10.01	9.61	9.7	9.71	9.17
Allowance for Credit Losses / Net Charge-offs %	392.12	428.7	801.63	748.02	697.04
Allowance for Credit Losses / Nonperforming Loans %	165.39	178.81	192.81	201.52	207.12
Allowance for Credit Losses / Total Loans %	2.44	2.41	2.55	2.56	2.66
Net Charge-offs / Total Average Loans %	0.66	0.59	0.33	0.36	0.39
Provision for Loan Losses / Net Charge-offs %	162.57	147	223.87	174.72	156.92
Earning Assets / IBL	104.28	104.67	106.08	107.34	107.51
Interest Income / Average Assets	3.31	3.31	3.32	3.14	2.72
Interest Expense / Average Assets	1.89	1.97	2.13	1.96	1.6
Net Interest Income / Average Assets	1.42	1.35	1.18	1.18	1.12
Non Interest Income / Average Assets	0.95	0.82	0.67	0.62	0.6
Non Interest Expense / Average Asset	0.94	0.89	0.72	0.71	0.69
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.79	7.7	7.47	7.4	7.63
Total Average Equity / Total Average Assets %	8.3	8.16	7.88	7.79	8
Total Equity + Allowance for Loan Losses / Total Loans %	17.14	16.4	16.19	15.58	16.57
Gross Loans / Total Deposits %	83.58	81.71	84.23	87.4	86.31
Net Loans / Total Deposits %	81.54	79.75	82.08	85.16	84.02
Tier 1 Capital Ratio %	13.01	12.18	12.22	12.11	12.7
Total Capital Ratio %	15.45	14.97	15.27	16.02	15.96
Core Tier 1 Capital Ratio	10.62	10.06	10.23	10.24	11.43
Tier 2 Capital Ratio	2.44	2.8	3.04	3.91	3.26
Coverage Ratio	165.39	178.86	192.84	201.55	207.15
Interbank Ratio	39.34	13.17	15.85	20.2	40.88
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.44	1.4	1.34	1.37	1.42
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	5.45	5.1	-3.39	3.48	1.91
Non Interest Income, 1 Yr. Growth %	15.73	-4.08	7.48	-3.9	2.04
Provision For Loan Losses, 1 Yr. Growth %	6.95	-8.98	-5.8	-7.63	3.77
Total Revenues, 1 Yr. Growth %	10.14	4.85	2.16	3.19	1.5
Earnings From Cont. Operations, 1 Yr. Growth %	11.77	3.48	1.41	1.05	2.42
Net Income, 1 Yr. Growth %	11.89	5.22	0.68	0.93	2.18
Normalized Net Income, 1 Yr. Growth %	10.33	6.9	-0.38	3.99	0.03
Diluted EPS Before Extra, 1 Yr. Growth %	10.95	3.64	0.75	1.02	-6.52
Dividend Per Share, 1 Yr. Growth %	11.99	5.07	0.54	1.07	-14.33
Gross Loans, 1 Yr. Growth %	12.17	11.26	9.09	7.43	6.64
Allowance For Loan Losses, 1 Yr. Growth %	14.95	10.05	15.66	9.54	8.77
Net Loans, 1 Yr. Growth %	12.11	11.29	8.93	7.38	6.59
Non Performing Loans, 1 Yr. Growth %	-0.92	1.79	7.27	5.67	4.75
Non Performing Assets, 1 Yr. Growth %	-0.85	1.74	7.14	5.22	4.66
Total Assets, 1 Yr. Growth %	9.05	11.37	8.23	5.98	4.35
Total Deposits, 1 Yr Growth %	9.3	14.04	5.81	6.16	5.12
Tangible Book Value, 1 Yr. Growth %	11.96	6.41	6.72	5.4	11.42
Average Interest Earning Assets, 1 Yr. Growth %	6.06	10.8	11.44	4.52	7.2
Average Interest Bearing Liabilities, 1 Yr. Growth %	5.79	10.39	9.95	3.29	7.03
Common Equity, 1 Yr. Growth %	11.93	6.39	6.76	5.4	11.36
Total Equity, 1 Yr. Growth %	11.22	5.99	6.38	5.11	10.79
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	5.93	5.27	0.75	-0.01	2.69
Non Interest Income, 2 Yr. CAGR %	10.28	5.14	-6.75	1.63	-0.65
Provision For Loan Losses, 2 Yr. CAGR %	13.03	-1.34	-7.4	-6.72	-2.1
Total Revenues, 2 Yr. CAGR %	6	7.34	-0.52	2.68	2.49
Earnings From Cont. Operations, 2 Yr. CAGR %	6.74	7.54	2.4	1.23	1.73
Net Income, 2 Yr. CAGR %	6.46	8.5	2.9	0.8	1.55
Normalized Net Income, 2 Yr. CAGR %	3.51	8.82	3.17	1.79	1.91
Diluted EPS Before Extra, 2 Yr. CAGR %	4.82	7.05	2.16	0.88	-2.83
Dividend Per Share, 2 Yr. CAGR %	6.16	8.47	2.78	0.8	-6.95
Gross Loans, 2 Yr. CAGR %	11.21	11.84	10.16	9.62	5.61
Allowance For Loan Losses, 2 Yr. CAGR %	9.83	12.47	12.82	13.02	8.6
Net Loans, 2 Yr. CAGR %	11.25	11.82	10.09	9.53	5.53
Non Performing Loans, 2 Yr. CAGR %	11.37	0.42	4.49	6.46	5.21
Non Performing Assets, 2 Yr. CAGR %	11.42	0.44	4.4	6.18	4.94
Total Assets, 2 Yr. CAGR %	8.52	10.2	9.79	7.1	5.16
Total Deposits, 2 Yr CAGR %	9.75	11.65	9.85	5.98	5.64
Tangible Book Value, 2 Yr. CAGR %	12.01	9.15	6.49	6.06	8.37
Average Interest Earning Assets, 2 Yr. CAGR %	6.84	8.4	11.12	7.93	5.85
Average Interest Bearing Liabilities, 2 Yr. CAGR %	6.94	8.07	10.17	6.57	5.14
Common Equity, 2 Yr. CAGR %	11.98	9.13	6.5	6.07	8.34
Total Equity, 2 Yr. CAGR %	10.46	8.57	6.07	5.74	7.91
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	7.29	5.66	2.29	1.65	0.62
Non Interest Income, 3 Yr. CAGR %	9.56	5.12	0.07	-5.81	1.99
Provision For Loan Losses, 3 Yr. CAGR %	15.16	5.16	-2.85	-7.48	-3.35
Total Revenues, 3 Yr. CAGR %	6.23	5.54	2.83	0.7	2.38
Earnings From Cont. Operations, 3 Yr. CAGR %	6.24	5.64	5.43	1.94	1.63
Net Income, 3 Yr. CAGR %	5.95	6.04	5.81	2.24	1.26
Normalized Net Income, 3 Yr. CAGR %	2.93	4.77	5.65	3.44	1.14
Diluted EPS Before Extra, 3 Yr. CAGR %	4.9	4.3	4.89	1.78	-1.65
Dividend Per Share, 3 Yr. CAGR %	5.77	5.8	5.76	2.2	-4.52
Gross Loans, 3 Yr. CAGR %	10.56	11.31	10.91	10.16	7.65
Allowance For Loan Losses, 3 Yr. CAGR %	8.93	9.9	13.53	12.02	11.21
Net Loans, 3 Yr. CAGR %	10.6	11.34	10.84	10.11	7.56
Non Performing Loans, 3 Yr. CAGR %	10.11	8.08	2.66	4.88	5.89
Non Performing Assets, 3 Yr. CAGR %	10.08	8.09	2.62	4.68	5.67
Total Assets, 3 Yr. CAGR %	6.97	9.46	9.54	8.5	6.17
Total Deposits, 3 Yr CAGR %	3	11.16	9.67	8.6	5.7
Tangible Book Value, 3 Yr. CAGR %	12.97	10.11	8.28	6.12	7.82
Average Interest Earning Assets, 3 Yr. CAGR %	6.12	8.15	9.4	8.87	7.68
Average Interest Bearing Liabilities, 3 Yr. CAGR %	6.23	8.07	8.69	7.83	6.72
Common Equity, 3 Yr. CAGR %	12.93	10.09	8.28	6.13	7.81
Total Equity, 3 Yr. CAGR %	11.48	8.95	7.76	5.75	7.4
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	3.69	6.36	4.63	3.34	2.45
Non Interest Income, 5 Yr. CAGR %	13.01	7.59	2.63	0.24	-0.22
Provision For Loan Losses, 5 Yr. CAGR %	18.44	13.99	5.54	0.23	-2.55
Total Revenues, 5 Yr. CAGR %	4.26	5.2	3.43	2.74	2.7
Earnings From Cont. Operations, 5 Yr. CAGR %	5.62	5.42	4.69	3.84	3.94
Net Income, 5 Yr. CAGR %	5.44	5.58	4.72	3.9	4.08
Normalized Net Income, 5 Yr. CAGR %	1.83	3.98	3.11	3.56	4.14
Diluted EPS Before Extra, 5 Yr. CAGR %	4.33	4.63	3.72	2.91	1.73
Dividend Per Share, 5 Yr. CAGR %	5.51	5.48	4.56	3.77	0.48
Gross Loans, 5 Yr. CAGR %	9.14	9.82	10.45	10.63	9.3
Allowance For Loan Losses, 5 Yr. CAGR %	10.51	10.7	10.47	11.14	11.71
Net Loans, 5 Yr. CAGR %	9.19	9.8	10.45	10.61	9.24
Non Performing Loans, 5 Yr. CAGR %	9.18	7.54	7.83	7.43	3.67
Non Performing Assets, 5 Yr. CAGR %	9.1	7.47	7.77	7.32	3.54
Total Assets, 5 Yr. CAGR %	6.78	7.53	8.09	8.51	7.77
Total Deposits, 5 Yr CAGR %	4.44	5.84	5.69	9.06	8.04
Tangible Book Value, 5 Yr. CAGR %	10.07	9.9	10.33	8.44	8.32
Average Interest Earning Assets, 5 Yr. CAGR %	7.7	6.83	8.09	8.06	7.97
Average Interest Bearing Liabilities, 5 Yr. CAGR %	8.17	6.9	7.79	7.47	7.26
Common Equity, 5 Yr. CAGR %	10.07	9.87	10.31	8.43	8.3
Total Equity, 5 Yr. CAGR %	9.09	8.9	9.28	7.61	7.82