Cash flow KB Financial Group Inc.

Equities

A105560

KR7105560007

Banks

End-of-day quote Korea S.E. Other stock markets 06/03/2026			5-day change	1st Jan Change
147,400.00 ^KRW	-1.07%		-7.30%	+18.20%

02-05	KB Financial Group Inc. authorizes a Buyback Plan.	CI
02-05	KB Financial Group Inc. announces an Equity Buyback for 4,222,378 shares.	CI

0f6836e9b5f.6lUXRNJMDeLHCMRSht918HhGuZfF6_0jQsDnOdL1F2k.qWEuHrovQpuQPJQc7rFNthst0vWKpKVgJrCPDrevUQaQNiYwnX9GpbdZjQ

Published financial data: KB FINANCIAL GROUP INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	12,760B	19,912B	27,730B	29,033B	27,720B
Interest Income On Investments	2,485B	876B	1,415B	1,459B	1,436B
Interest Income, Total	15,245B	20,789B	29,145B	30,491B	29,156B
Interest On Deposits	2,219B	7,676B	17,003B	17,665B	16,083B
Total Interest On Borrowings	1,763B	-	-	-	-
Interest Expense, Total	3,981B	7,676B	17,003B	17,665B	16,083B
Net Interest Income	11,263B	13,113B	12,142B	12,827B	13,073B
Credit Card Fee	1,527B	-	-	-	-
Income From Trading Activities	-13,901B	-	-	-	-
Gain (Loss) on Sale of Loans	137B	-	-	-	-
Gain (Loss) on Sale of Assets	-222B	-	-49M	24.44B	302B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	957B	110M	174M	1.02B	1.04B
Income (Loss) on Equity Invest. (Income Block)	93.53B	-	-	-	-
Total Other Non Interest Income	39,338B	1,900B	4,087B	4,200B	4,871B
Non Operating Income (Expenses)	116B	-	-	-	-
Non Interest Income, Total	28,046B	1,900B	4,087B	4,226B	5,174B
Revenues Before Provison For Loan Losses	39,309B	15,013B	16,229B	17,053B	18,247B
Provision For Loan Losses	1,185B	1,836B	3,146B	2,044B	2,363B
Total Revenues	38,124B	13,177B	13,083B	15,008B	15,884B
Salaries And Other Employee Benefits	4,533B	4,733B	4,014B	4,221B	4,315B
Occupancy Expense	1,017B	879B	917B	969B	967B
Federal Deposit Insurance	551B	-	-	-	-
Selling General & Admin Expenses, Total	1,383B	1,615B	1,412B	1,424B	1,441B
(Gain) Loss on Sale of Loans	14.67B	-	-	-	-
(Income) Loss on Equity Invest.	-	28.76B	-33.11B	16.88B	-26.85B
Total Other Non Interest Expense	24,316B	311B	304B	325B	342B
Non Operating (Income) Expenses	228B	-186B	292B	1,007B	440B
Non Interest Expense, Total	32,042B	7,381B	6,906B	7,963B	7,477B
EBT, Excl. Unusual Items	6,082B	5,796B	6,177B	7,046B	8,407B
Restructuring Charges	-	-	-	-	-
Total Merger & Related Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-	-	-6.27B	-60.27B	-224B
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	6,082B	5,796B	6,170B	6,985B	8,183B
Income Tax Expense	1,697B	1,622B	1,607B	1,957B	2,342B
Earnings From Continuing Operations	4,384B	4,173B	4,563B	5,029B	5,841B
Net Income to Company	4,384B	4,173B	4,563B	5,029B	5,841B
Minority Interest	25.16B	222B	68.5B	49.62B	-7.55B
Net Income - (IS)	4,410B	4,395B	4,632B	5,078B	5,833B
Preferred Dividend and Other Adjustments	71.54B	126B	185B	200B	202B
Net Income to Common Incl Extra Items	4,338B	4,268B	4,447B	4,878B	5,631B
Net Income to Common Excl. Extra Items	4,338B	4,268B	4,447B	4,878B	5,631B
Per Share Items
Net EPS - Basic	11.13K	10.95K	11.58K	12.88K	15.41K
Basic EPS - Continuing Operations	11.13K	10.95K	11.58K	12.88K	15.41K
Basic Weighted Average Shares Outstanding	390M	390M	384M	379M	365M
Net EPS - Diluted	10.89K	10.71K	11.31K	12.73K	15.26K
Diluted EPS - Continuing Operations	10.89K	10.71K	11.31K	12.73K	15.26K
Diluted Weighted Average Shares Outstanding	399M	399M	393M	383M	369M
Normalized Basic EPS	9.82K	9.87K	10.23K	11.76K	14.36K
Normalized Diluted EPS	9.6K	9.64K	9.99K	11.62K	14.22K
Dividend Per Share	2.94K	2.95K	3.06K	3.17K	4.37K
Payout Ratio	23.89	35.59	28.86	33.22	25.8
American Depositary Receipts Ratio (ADR)	0.25	0.25	0.25	0.25	0.25
Supplemental Items
Effective Tax Rate - (Ratio)	27.91	27.99	26.04	28.01	28.62
Total Current Taxes	-	1,850B	1,433B	1,568B	1,897B
Total Deferred Taxes	-	-1,540B	532B	-417B	223B
Normalized Net Income	3,826B	3,844B	3,929B	4,453B	5,247B
Non-Cash Pension Expense	-	4.3B	-22.99B	-15.41B	-6.87B
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	-	58.28B	69.7B	140B	154B
Stock-Based Comp., SG&A Exp. (Total)	102B	-	-	-	-
Total Stock-Based Compensation	102B	58.28B	69.7B	140B	154B

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	15,893B	26,163B	25,827B	24,609B	29,015B
Investment Securities, Total	5,304B	120,653B	127,442B	138,247B	145,553B
Trading Asset Securities, Total	173,791B	74,312B	83,116B	91,121B	97,976B
Total investments	179,095B	194,965B	210,559B	229,368B	243,529B
Gross Loans	417,312B	437,756B	446,744B	472,878B	489,146B
Allowance For Loan Losses	-3,684B	-4,159B	-5,463B	-5,633B	-5,406B
Other Adjustments to Gross Loans	-	-95.17B	-109B	-140B	154B
Net Loans	413,628B	433,502B	441,172B	467,105B	483,893B
Gross Property Plant And Equipment	9,489B	9,396B	9,632B	10,509B	10,547B
Accumulated Depreciation	-4,249B	-4,405B	-4,686B	-5,119B	-5,413B
Net Property Plant And Equipment	5,240B	4,991B	4,946B	5,390B	5,134B
Goodwill	806B	845B	867B	874B	634B
Other Intangibles, Total	2,460B	2,355B	1,084B	1,093B	976B
Investment in Real Estate	2,515B	3,148B	4,110B	3,759B	3,224B
Accrued Interest Receivable	1,917B	2,507B	3,130B	3,272B	3,227B
Other Receivables	6,735B	7,856B	11,815B	9,754B	13,740B
Restricted Cash	15,317B	4,810B	3,273B	4,339B	4,844B
Other Current Assets, Total	763B	2,550B	2,613B	2,179B	3,068B
Deferred Tax Assets Long-Term (Collected)	159B	251B	274B	279B	193B
Other Long-Term Assets, Total	19,368B	17,227B	6,068B	5,826B	6,447B
Total Assets	663,896B	701,171B	715,738B	757,846B	797,923B
Liabilities
Accrued Expenses, Total	3,577B	4,851B	6,554B	7,017B	6,878B
Interest Bearing Deposits	175,509B	223,965B	243,159B	265,778B	276,541B
Non-Interest Bearing Deposits	196,515B	164,924B	163,354B	169,910B	185,856B
Total Deposits	372,024B	388,888B	406,512B	435,688B	462,397B
Short-Term Borrowings	19,735B	23,739B	17,433B	22,627B	20,443B
Current Portion of Long-Term Debt	-	11,773B	15,652B	12,803B	13,430B
Current Portion of Leases	-	245B	243B	315B	325B
Long-Term Debt	183,561B	130,297B	127,997B	136,841B	144,277B
Long-Term Leases	-	348B	346B	649B	576B
Current Income Taxes Payable	663B	998B	145B	531B	610B
Other Current Liabilities - (Bank / Utility Template)	12,254B	2,460B	3,304B	3,042B	3,805B
Unearned Revenue Non Current	656B	1,002B	594B	606B	610B
Pension & Other Post Retirement Benefits	226B	85.74B	81.87B	100B	100B
Deferred Tax Liability Non-Current	1,471B	22.69B	2,180B	1,682B	1,819B
Other Non Current Liabilities	21,436B	86,818B	75,822B	76,129B	81,823B
Total Liabilities	615,602B	651,528B	656,865B	698,030B	737,093B
Common Stock, Total	2,091B	2,091B	2,091B	2,091B	2,091B
Additional Paid In Capital	17,422B	16,941B	16,648B	16,647B	16,634B
Retained Earnings	25,673B	28,447B	32,029B	34,808B	38,334B
Treasury Stock	-1,136B	-836B	-1,166B	-1,236B	-1,902B
Comprehensive Income and Other	3,412B	1,721B	7,328B	5,580B	3,892B
Total Common Equity	47,461B	48,363B	56,930B	57,889B	59,048B
Minority Interest	833B	1,280B	1,944B	1,926B	1,782B
Total Equity	48,294B	49,643B	58,873B	59,815B	60,830B
Total Liabilities And Equity	663,896B	701,171B	715,738B	757,846B	797,923B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	390M	390M	379M	374M	359M
ECS Total Common Shares Outstanding	390M	390M	379M	374M	359M
Book Value / Share	122K	113K	137K	141K	153K
Tangible Book Value	44,194B	45,162B	54,979B	55,922B	57,439B
Tangible Book Value Per Share	113K	105K	132K	136K	148K
Total Debt	203,296B	166,402B	161,672B	173,235B	179,051B
Deposits at Interest - Cash	-	23,600B	23,570B	22,530B	26,811B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-	-393B	-292B	-158B	-253B
Net Debt	8,756B	62,899B	49,096B	52,538B	43,975B
Equity Method Investments, Total	449B	683B	722B	947B	1,137B
Full Time Employees	-	-	-	-	-
Assets under Capital Lease - Gross	-	-	-	-	-
Assets under Capital Lease - Accumulated Depreciation	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	4,410B	4,395B	4,632B	5,078B	5,833B
Depreciation, Depletion & Amortization	851B	567B	478B	518B	623B
Amortization of Goodwill and Intangible Assets - (CF)	156B	200B	96.94B	105B	70.58B
Total Depreciation, Depletion & Amortization	1,007B	767B	575B	624B	694B
Amortization of Deferred Charges, Total	-	249B	291B	293B	268B
(Gain) Loss On Sale of Asset - (CF)	-93.53B	-252B	131B	145B	-153B
(Gain) Loss on Sale of Investments - (CF)	-60.52B	-58.9B	-1,484B	302B	-2,286B
Provision for Credit Losses	1,185B	1,836B	3,146B	2,044B	2,363B
(Income) Loss On Equity Investments - (CF)	-	28.76B	-33.11B	16.88B	-26.85B
Stock-Based Compensation (CF)	102B	58.28B	69.7B	140B	154B
Change in Trading Asset Securities	-6,110B	3,122B	-6,248B	-701B	-7,551B
Change In Income Taxes	-91.69B	229B	-893B	290B	31.03B
Change In Deferred Taxes	201B	-244B	195B	373B	438B
Change in Other Net Operating Assets (Collected)	-43,132B	-23,466B	-3,395B	-20,691B	-11,102B
Other Operating Activities	3,386B	2,456B	-5,074B	-7,715B	-7,587B
Cash from Operations	-39,198B	-10,880B	-8,087B	-19,801B	-18,924B
Capital Expenditure	-406B	-297B	-350B	-337B	-333B
Sale of Property, Plant, and Equipment	184B	31.18B	8.18B	18.62B	91.93B
Cash Acquisitions	375B	-	-	-	-265B
Divestitures	-	932B	1,297B	88.53B	-
Purchase / Sale of Intangible Assets	-183B	-232B	-325B	-269B	-210B
Sale (Purchase) of Real Estate Properties (Collected)	-	642B	-1,015B	176B	492B
Investment in Marketable and Equity Securities, Total	-3,902B	-21,175B	-2,590B	-3,061B	-5,546B
Other Investing Activities, Total	75.53B	-188B	-544B	-442B	232B
Cash from Investing	-3,856B	-20,286B	-3,519B	-3,825B	-5,538B
Long-Term Debt Issued, Total	130,231B	122,277B	83,777B	86,032B	97,074B
Total Debt Issued	130,231B	122,277B	83,777B	86,032B	97,074B
Long-Term Debt Repaid, Total	-118,272B	-106,889B	-86,141B	-85,518B	-89,837B
Total Debt Repaid	-118,272B	-106,889B	-86,141B	-85,518B	-89,837B
Issuance of Common Stock	-	1,596B	599B	399B	404B
Repurchase of Common Stock	-	-	-572B	-1,170B	-2,610B
Common Dividends Paid	-	-1,564B	-1,337B	-1,687B	-1,505B
Common & Preferred Stock Dividends Paid	-1,053B	-	-	-	-
Common & Preferred Stock Dividends Paid	-1,053B	-1,564B	-1,337B	-1,687B	-1,505B
Net Increase (Decrease) in Deposit Accounts - (CF)	32,498B	16,566B	12,196B	23,821B	23,150B
Other Financing Activities, Total	-84.1B	-102B	2,435B	-39.84B	2,272B
Cash from Financing	43,319B	31,884B	10,957B	21,837B	28,948B
Foreign Exchange Rate Adjustments	158B	171B	-58.46B	571B	-74.7B
Net Change in Cash	423B	889B	-708B	-1,218B	4,412B
Supplemental Items
Cash Interest Paid	-	6,356B	13,119B	15,355B	14,044B
Cash Income Tax Paid (Refund)	-	1,524B	2,189B	1,158B	1,172B
Net Debt Issued / Repaid	11,959B	15,388B	-2,364B	514B	7,236B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.69	0.61	0.65	0.68	0.75
Return On Equity %	9.56	8.52	8.08	8.49	9.68
Return on Common Equity	9.64	8.91	8.1	8.52	9.63
Shareholders Value Added	-835B	-1,154B	-1,857B	-1,691B	-1,112B
Margin Analysis
SG&A Margin	18.18	54.42	48.49	44.07	42.32
Net Interest Income / Total Revenues %	29.54	99.52	92.81	85.46	82.3
EBT Excl. Non-Recurring Items Margin %	15.95	43.98	47.21	46.94	52.93
Income From Continuing Operations Margin %	11.5	31.67	34.88	33.51	36.77
Net Income Margin %	11.57	33.35	35.4	33.84	36.72
Net Avail. For Common Margin %	11.38	32.39	33.99	32.5	35.45
Normalized Net Income Margin	10.04	29.17	30.03	29.67	33.03
Asset quality
Nonperforming Loans / Total Loans %	-	0.81	1.1	1.06	0.93
Nonperforming Loans / Total Assets %	-	0.51	0.69	0.66	0.57
Nonperforming Assets / Total Assets %	-	0.51	0.69	0.66	0.57
NPAs / Loans and OREO	-	0.81	1.1	1.06	0.93
NPAs / Equity	-	7.15	8.34	8.38	7.44
Allowance for Credit Losses / Net Charge-offs %	-	378.02	371.93	337.92	281.05
Allowance for Credit Losses / Nonperforming Loans %	-	117.11	111.3	112.43	119.42
Allowance for Credit Losses / Total Loans %	0.88	0.95	1.22	1.19	1.11
Provision for Loan Losses / Net Charge-offs %	-	166.89	214.22	122.63	122.84
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.06	7.02	7.82	7.78	7.52
Total Average Equity / Total Average Assets %	7.19	7.17	8.04	8.04	7.75
Total Equity + Allowance for Loan Losses / Total Loans %	12.26	12	13.97	13.43	13.18
Gross Loans / Total Deposits %	112.17	112.57	109.9	108.54	105.78
Net Loans / Total Deposits %	111.18	111.47	108.53	107.21	104.65
Tier 1 Capital Ratio %	-	14.86	15.37	15.17	15.21
Total Capital Ratio %	-	16.16	16.73	16.43	16.2
Core Tier 1 Capital Ratio	-	13.24	13.59	13.53	13.82
Tier 2 Capital Ratio	-	1.3	1.35	1.26	0.99
Coverage Ratio	-	117.11	111.3	112.43	119.42
Interbank Ratio	-	15.21	32.87	31.65	40.24
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	4.45	-	-	-	-
EBT + Interest Expense / Interest Expense	2.53	1.76	1.36	1.4	1.51
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	15.32	16.77	5.44	5.3	1.92
Non Interest Income, 1 Yr. Growth %	6.57	-41.62	69.02	5.7	22.44
Provision For Loan Losses, 1 Yr. Growth %	13.57	54.92	70.28	-35.03	15.58
Total Revenues, 1 Yr. Growth %	8.8	-0.92	8.25	15.16	5.84
Earnings From Cont. Operations, 1 Yr. Growth %	24.71	-4.82	16.08	11.1	16.15
Net Income, 1 Yr. Growth %	27.13	-0.33	11.53	10.52	14.87
Normalized Net Income, 1 Yr. Growth %	30.13	0.46	8.3	14.25	17.83
Diluted EPS Before Extra, 1 Yr. Growth %	24.73	-1.69	12.01	13.44	19.92
Dividend Per Share, 1 Yr. Growth %	66.1	0.34	3.73	3.73	37.59
Gross Loans, 1 Yr. Growth %	10.43	5.03	2.9	5.85	3.44
Allowance For Loan Losses, 1 Yr. Growth %	12.2	12.88	31.29	3.12	-4.03
Net Loans, 1 Yr. Growth %	10.41	4.95	2.62	5.88	3.59
Non Performing Loans, 1 Yr. Growth %	-	1.8	38.34	2.09	-9.65
Non Performing Assets, 1 Yr. Growth %	-	1.8	38.34	2.09	-9.65
Total Assets, 1 Yr. Growth %	8.71	5.61	3.93	5.88	5.29
Total Deposits, 1 Yr Growth %	9.88	4.53	3.19	7.18	6.13
Tangible Book Value, 1 Yr. Growth %	12.76	2.19	7.87	2.16	2.71
Common Equity, 1 Yr. Growth %	11.55	1.9	7.76	2.11	2
Total Equity, 1 Yr. Growth %	11.27	2.79	8.81	2.01	1.7
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	10.67	16.14	3.98	5.54	3.6
Non Interest Income, 2 Yr. CAGR %	251.97	-18.79	12.08	32.19	13.76
Provision For Loan Losses, 2 Yr. CAGR %	32.98	32.64	62.94	5.18	-13.34
Total Revenues, 2 Yr. CAGR %	87.97	6.77	-0.81	11.44	10.4
Earnings From Cont. Operations, 2 Yr. CAGR %	15.04	9.16	2.02	13.1	13.6
Net Income, 2 Yr. CAGR %	15.39	12.78	2.49	10.58	12.67
Normalized Net Income, 2 Yr. CAGR %	16.21	16.23	1.33	10.79	16.03
Diluted EPS Before Extra, 2 Yr. CAGR %	13.93	10.95	1.92	12.25	16.64
Dividend Per Share, 2 Yr. CAGR %	15.34	29.1	2.02	3.73	19.46
Gross Loans, 2 Yr. CAGR %	11.45	7.71	3.53	4.36	4.64
Allowance For Loan Losses, 2 Yr. CAGR %	23.69	12.54	21.77	16.36	-0.52
Net Loans, 2 Yr. CAGR %	11.36	7.66	3.35	4.24	4.73
Non Performing Loans, 2 Yr. CAGR %	-	1.79	18.62	18.84	-3.96
Non Performing Assets, 2 Yr. CAGR %	-	1.79	18.62	18.84	-3.96
Total Assets, 2 Yr. CAGR %	13.15	7.15	3.83	4.9	5.59
Total Deposits, 2 Yr CAGR %	10.34	7.17	4.53	5.17	6.65
Tangible Book Value, 2 Yr. CAGR %	11.1	7.39	11.54	4.75	2.43
Common Equity, 2 Yr. CAGR %	10.98	6.67	9.52	4.68	2.06
Total Equity, 2 Yr. CAGR %	11.11	7	10.41	5.14	1.85
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	8.15	12.55	7.69	4.53	4.32
Non Interest Income, 3 Yr. CAGR %	137.2	-5.68	12.37	9.1	28.86
Provision For Loan Losses, 3 Yr. CAGR %	20.72	39.92	44.47	19.93	8.54
Total Revenues, 3 Yr. CAGR %	54.52	6.89	4.21	4.11	9.54
Earnings From Cont. Operations, 3 Yr. CAGR %	12.71	8	9.22	4.68	14.11
Net Income, 3 Yr. CAGR %	12.94	9.89	10.26	4.82	11.99
Normalized Net Income, 3 Yr. CAGR %	12.49	10.7	11.36	5.19	13.09
Diluted EPS Before Extra, 3 Yr. CAGR %	12.36	8.47	9.16	5.33	14.75
Dividend Per Share, 3 Yr. CAGR %	15.26	10.11	20.02	2.59	13.97
Gross Loans, 3 Yr. CAGR %	9.43	9.22	5.79	4.3	4.06
Allowance For Loan Losses, 3 Yr. CAGR %	12.18	19.98	18.49	15.21	9.12
Net Loans, 3 Yr. CAGR %	9.41	9.13	5.66	4.19	4.02
Non Performing Loans, 3 Yr. CAGR %	-	23.16	12.72	12.83	8.46
Non Performing Assets, 3 Yr. CAGR %	-	23.16	12.72	12.83	8.46
Total Assets, 3 Yr. CAGR %	11.45	10.58	5.43	4.51	5.03
Total Deposits, 3 Yr CAGR %	10.36	8.37	6.28	5.41	5.49
Tangible Book Value, 3 Yr. CAGR %	10.28	8.05	11.98	8.16	4.06
Common Equity, 3 Yr. CAGR %	9.95	7.87	10.23	6.84	3.78
Total Equity, 3 Yr. CAGR %	10.58	8.27	10.73	7.39	3.98
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	11.96	9.72	6.4	6.88	6.1
Non Interest Income, 5 Yr. CAGR %	93.22	-0.32	14.23	13.3	12.43
Provision For Loan Losses, 5 Yr. CAGR %	17.06	27.34	36.1	24.99	17.76
Total Revenues, 5 Yr. CAGR %	40.74	6.47	4.83	6.82	6.56
Earnings From Cont. Operations, 5 Yr. CAGR %	14.89	4.53	8.31	8.7	10.77
Net Income, 5 Yr. CAGR %	15.52	5.82	8.64	8.93	11.04
Normalized Net Income, 5 Yr. CAGR %	16.69	9.13	7.89	9.46	13.02
Diluted EPS Before Extra, 5 Yr. CAGR %	14.39	5.33	8.06	8.69	11.9
Dividend Per Share, 5 Yr. CAGR %	18.66	8.97	9.77	7.51	19.8
Gross Loans, 5 Yr. CAGR %	9.38	8.5	7	7.08	5.33
Allowance For Loan Losses, 5 Yr. CAGR %	10.09	14.53	15.92	18.53	10.49
Net Loans, 5 Yr. CAGR %	9.38	8.45	6.91	6.97	5.29
Non Performing Loans, 5 Yr. CAGR %	-	9.41	18.53	21.39	5.72
Non Performing Assets, 5 Yr. CAGR %	-	9.41	18.53	21.39	5.72
Total Assets, 5 Yr. CAGR %	12.06	9.93	8.34	7.88	5.49
Total Deposits, 5 Yr CAGR %	9.19	8.74	7.99	7.35	6.43
Tangible Book Value, 5 Yr. CAGR %	7.81	7.75	10.78	9.33	7.96
Common Equity, 5 Yr. CAGR %	8.89	7.28	9.78	8.48	6.8
Total Equity, 5 Yr. CAGR %	9.09	7.84	10.51	8.86	7