Cash flow Lloyds Banking Group plc

Equities

LLOY

GB0008706128

Banks

Market Closed - London S.E. Other stock markets 16:35:30 23/06/2025 BST			5-day change	1st Jan Change
74.88 ^GBX	-0.90%		-2.95%	+36.69%

06-20	UBS cuts Hays and PageGroup to 'neutral'	AN
06-20	PRESS DIGEST-British Business - June 20	RE

509b22c70f864861.D9R0MeIhx0zK_7Um0gttWF05znQPen3sAELHAOJq0hA.Z-JCYJBWkQGY0uZRq2klDW5ItDVdAAe9dhS2Z5UDpF1YnDF8lUa-Ofi78A

Published financial data: LLOYDS BANKING GROUP PLC

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	14.31B	13.26B	17.64B	28.05B	31.29B
Interest Income, Total	14.31B	13.26B	17.64B	28.05B	31.29B
Interest On Deposits	3.56B	3.89B	3.69B	14.75B	19.01B
Interest Expense, Total	3.56B	3.89B	3.69B	14.75B	19.01B
Net Interest Income	10.75B	9.37B	13.96B	13.3B	12.28B
Income From Trading Activities	7.43B	16.62B	-19.48B	18.14B	17.76B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	149M	-2M	92M	122M	7M
Income (Loss) on Equity Invest. (Income Block)	-13M	2M	10M	-16M	-
Total Other Non Interest Income	-2.98B	-10.24B	24.14B	-12.82B	-12.11B
Non Interest Income, Total	4.59B	6.38B	4.76B	5.42B	5.66B
Revenues Before Provison For Loan Losses	15.34B	15.75B	18.72B	18.72B	17.94B
Provision For Loan Losses	4.16B	-1.38B	1.52B	303M	431M
Total Revenues	11.18B	17.13B	17.2B	18.41B	17.5B
Salaries And Other Employee Benefits	-	3.52B	4.02B	4.01B	4.34B
Stock-Based Compensation (IS)	196M	268M	-	-	-
Amort. of Goodwill & Intang. Assets	-	962M	903M	-	-
Occupancy Expense	-	1.93B	1.67B	3.35B	3.88B
Selling General & Admin Expenses, Total	361M	1.72B	2.01B	-	-
Total Other Non Interest Expense	8.66B	1B	1.11B	2.98B	3.05B
Non Interest Expense, Total	9.22B	9.41B	9.71B	10.34B	11.27B
EBT, Excl. Unusual Items	1.96B	7.72B	7.49B	8.08B	6.23B
Restructuring Charges	-521M	-92M	-50M	-487M	-327M
Impairment of Goodwill	-4M	-	-	-	-
Asset Writedown	-209M	575M	-511M	-87M	67M
Legal Settlements	-	-1.3B	-	-	-
EBT, Incl. Unusual Items	1.23B	6.9B	6.93B	7.5B	5.97B
Income Tax Expense	-161M	1.02B	1.37B	1.98B	1.49B
Earnings From Continuing Operations	1.39B	5.88B	5.56B	5.52B	4.48B
Net Income to Company	1.39B	5.88B	5.56B	5.52B	4.48B
Minority Interest	-69M	-101M	-96M	-58M	-56M
Net Income - (IS)	1.32B	5.78B	5.46B	5.46B	4.42B
Preferred Dividend and Other Adjustments	453M	429M	438M	527M	498M
Net Income to Common Incl Extra Items	865M	5.36B	5.02B	4.93B	3.92B
Net Income to Common Excl. Extra Items	865M	5.36B	5.02B	4.93B	3.92B
Per Share Items
Net EPS - Basic	0.01	0.08	0.07	0.08	0.06
Basic EPS - Continuing Operations	0.01	0.08	0.07	0.08	0.06
Basic Weighted Average Shares Outstanding	70.61B	70.94B	68.85B	64.95B	62.41B
Net EPS - Diluted	0.01	0.08	0.07	0.08	0.06
Diluted EPS - Continuing Operations	0.01	0.08	0.07	0.08	0.06
Diluted Weighted Average Shares Outstanding	71.26B	71.78B	69.68B	65.76B	63.07B
Normalized Basic EPS	0.02	0.07	0.07	0.08	0.06
Normalized Diluted EPS	0.02	0.07	0.07	0.08	0.06
Dividend Per Share	0.01	0.02	0.02	0.03	0.03
Payout Ratio	34.37	22.58	35.04	39.89	52.61
American Depositary Receipts Ratio (ADR)	4	4	4	4	4
Supplemental Items
Effective Tax Rate - (Ratio)	-13.13	14.73	19.82	26.46	25.02
Current Domestic Taxes	125M	1.38B	1.12B	1.25B	1.07B
Current Foreign Taxes	2M	30M	83M	98M	119M
Total Current Taxes	127M	1.41B	1.2B	1.35B	1.19B
Total Deferred Taxes	-288M	-391M	169M	637M	305M
Normalized Net Income	1.16B	4.72B	4.58B	4.99B	3.84B
Non-Cash Pension Expense	38M	21M	-57M	-168M	-98M
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	196M	268M	-	-	-
Total Stock-Based Compensation	196M	268M	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	75.47B	76.38B	95.83B	76.18B	62.68B
Investment Securities, Total	227B	260B	231B	251B	295B
Trading Asset Securities, Total	65.92B	58.43B	52.06B	57B	40.26B
Mortgage Backed Securities	460M	421M	228M	-	-
Total investments	293B	319B	284B	308B	335B
Gross Loans	450B	455B	465B	467B	473B
Allowance For Loan Losses	-5.77B	-3.82B	-4.53B	-3.72B	-3.19B
Other Adjustments to Gross Loans	-544M	-246M	-1.76B	-2.29B	-2.46B
Net Loans	444B	451B	459B	461B	468B
Gross Property Plant And Equipment	14.26B	-	-	-	-
Accumulated Depreciation	-5.85B	-	-	-	-
Net Property Plant And Equipment	8.41B	7.96B	8.13B	9.67B	10.12B
Goodwill	2.32B	2.32B	2.66B	2.8B	2.75B
Other Intangibles, Total	4.14B	4.2B	4.79B	5.35B	5.3B
Investment in Real Estate	3.35B	3.61B	2.53B	2.86B	3.28B
Other Receivables	959M	510M	854M	1.18B	526M
Restricted Cash	4.55B	4.99B	2.11B	1.93B	21M
Other Current Assets, Total	-	1.02B	1.22B	1.46B	6.76B
Deferred Tax Assets Long-Term (Collected)	2.74B	3.12B	5.23B	5.18B	5B
Deferred Charges Long-Term	74M	64M	54M	39M	-
Other Long-Term Assets, Total	31.89B	12.83B	11.76B	6.5B	7.26B
Total Assets	871B	887B	878B	881B	907B
Liabilities
Interest Bearing Deposits	366B	372B	369B	375B	388B
Non-Interest Bearing Deposits	97.4B	112B	114B	103B	101B
Total Deposits	463B	484B	483B	478B	489B
Short-Term Borrowings	63.84B	57.85B	85.39B	69.89B	67.53B
Current Portion of Long-Term Debt	20.22B	16.95B	18.47B	17.72B	19.74B
Current Portion of Leases	234M	233M	233M	335M	334M
Long-Term Debt	79.87B	65.58B	58.48B	61.35B	57.73B
Long-Term Leases	1.44B	1.24B	1.08B	1.3B	927M
Current Income Taxes Payable	31M	6M	8M	39M	45M
Other Current Liabilities - (Bank / Utility Template)	54.27B	61.62B	55.55B	64.61B	74.21B
Unearned Revenue Non Current	330M	312M	246M	-	-
Pension & Other Post Retirement Benefits	245M	230M	126M	136M	122M
Deferred Tax Liability Non-Current	45M	39M	216M	157M	125M
Other Non Current Liabilities	138B	145B	128B	141B	151B
Total Liabilities	822B	833B	830B	834B	861B
Common Stock, Total	7.08B	7.1B	6.73B	6.36B	6.06B
Additional Paid In Capital	17.86B	18.48B	18.5B	18.57B	18.72B
Retained Earnings	4.58B	10.24B	10.14B	6.79B	5.91B
Comprehensive Income and Other	19.65B	17.1B	11.9B	15.45B	15.02B
Total Common Equity	49.18B	52.92B	47.28B	47.16B	45.72B
Minority Interest	229M	235M	244M	201M	172M
Total Equity	49.41B	53.15B	47.52B	47.36B	45.89B
Total Liabilities And Equity	871B	887B	878B	881B	907B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	71.24B	70.56B	66.26B	63.45B	60.37B
ECS Total Common Shares Outstanding	70.81B	70.56B	66.26B	63.45B	60.37B
Book Value / Share	0.61	0.67	0.63	0.63	0.65
Tangible Book Value	42.72B	46.4B	39.84B	39.01B	37.66B
Tangible Book Value Per Share	0.52	0.57	0.52	0.51	0.52
Tangible Book Value Per Share (As Reported)	0.52	0.58	0.52	0.51	0.52
Average Assets	-	-	-	-	-
Average Loans	-	-	-	-	-
Total Debt	166B	142B	164B	151B	146B
Deposits at Interest - Cash	6.76B	4.95B	6.55B	12.66B	8.13B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-1.58B	-4.4B	-3.73B	-3.53B	-2.94B
Net Debt	-39.26B	-54B	-36.22B	-28.86B	-35.31B
Equity Method Investments, Total	296M	352M	385M	401M	542M
Full Time Employees	61.58K	57.96K	59.35K	62.57K	61.23K
Assets on Operating Lease - Gross	6.26B	-	-	-	-
Assets on Operating Lease - Accumulated Depreciation	-2.3B	-	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	1.32B	5.78B	5.46B	5.46B	4.42B
Depreciation, Depletion & Amortization	2.05B	1.84B	1.47B	1.78B	2.1B
Amortization of Goodwill and Intangible Assets - (CF)	96M	94M	92M	100M	101M
Total Depreciation, Depletion & Amortization	2.14B	1.93B	1.56B	1.88B	2.2B
Amortization of Deferred Charges, Total	590M	892M	833M	1.03B	1.22B
(Gain) Loss On Sale of Asset - (CF)	-81M	-268M	-121M	-61M	-36M
(Gain) Loss on Sale of Investments - (CF)	-226M	-306M	376M	1.14B	185M
Total Asset Writedown	209M	-575M	511M	87M	-67M
Provision for Credit Losses	2.43B	-2.06B	613M	-800M	-535M
(Income) Loss On Equity Investments - (CF)	13M	-2M	-10M	16M	13M
Stock-Based Compensation (CF)	122M	182M	224M	-	-
Change in Trading Asset Securities	-14.32B	-9.43B	18.48B	-20.73B	-13.95B
Change in Other Net Operating Assets (Collected)	-10.69B	-19.68B	-1.72B	20.82B	-13.39B
Other Operating Activities	3.56B	6.58B	-20.07B	2.95B	4.22B
Cash from Operations	-14.92B	-16.94B	6.14B	11.77B	-15.72B
Capital Expenditure	-2.9B	-3.23B	-3.86B	-5.46B	-4.36B
Sale of Property, Plant, and Equipment	1.15B	1.44B	1.55B	1.03B	1.5B
Cash Acquisitions	-3M	-57M	-409M	-380M	-179M
Divestitures	-	-	-	-	62M
Purchase / Sale of Intangible Assets	-	-	-	-	-1.26B
Investment in Marketable and Equity Securities, Total	-2.24B	-697M	3.22B	-5.01B	-3.46B
Cash from Investing	-4B	-2.54B	510M	-9.82B	-7.69B
Long-Term Debt Issued, Total	-	499M	838M	1.42B	812M
Total Debt Issued	-	499M	838M	1.42B	812M
Long-Term Debt Repaid, Total	-3.87B	-1.06B	-2.22B	-1.74B	-819M
Total Debt Repaid	-3.87B	-1.06B	-2.22B	-1.74B	-819M
Issuance of Common Stock	144M	25M	776M	1.86B	944M
Repurchase of Common Stock	-	-	-3.41B	-2.13B	-3.84B
Common Dividends Paid	-453M	-1.31B	-1.91B	-2.18B	-2.33B
Common & Preferred Stock Dividends Paid	-453M	-1.31B	-1.91B	-2.18B	-2.33B
Net Increase (Decrease) in Deposit Accounts - (CF)	42.09B	23.56B	15.88B	-4.96B	11.33B
Special Dividend Paid	-	-	-	-	-
Other Financing Activities, Total	-1.14B	-1.4B	-690M	-724M	-707M
Cash from Financing	36.77B	20.33B	9.26B	-8.46B	5.4B
Foreign Exchange Rate Adjustments	-196M	70M	727M	-480M	-7M
Net Change in Cash	17.66B	912M	16.64B	-6.99B	-18.02B
Supplemental Items
Cash Interest Paid	1.1B	1.3B	603M	623M	622M
Cash Income Tax Paid (Refund)	736M	796M	743M	1.44B	335M
Net Debt Issued / Repaid	-3.87B	-557M	-1.38B	-328M	-7M

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.16	0.67	0.63	0.63	0.5
Return On Equity %	2.85	11.48	11.04	12.09	9.6
Return on Common Equity	1.79	10.49	10.02	10.86	8.45
Shareholders Value Added	-4.07B	-191M	-429M	415M	-846M
Margin Analysis
SG&A Margin	1.67	40.92	43.96	39.97	46.99
Net Interest Income / Total Revenues %	96.14	54.69	81.15	72.22	70.13
EBT Excl. Non-Recurring Items Margin %	17.53	45.07	43.55	43.87	35.6
Income From Continuing Operations Margin %	12.41	34.36	32.3	29.97	25.58
Net Income Margin %	11.79	33.77	31.74	29.65	25.26
Net Avail. For Common Margin %	7.74	31.27	29.2	26.79	22.41
Normalized Net Income Margin	10.34	27.58	26.66	27.1	21.93
Asset quality
Nonperforming Loans / Total Loans %	1.44	1.42	1.64	1.53	1.42
Nonperforming Loans / Total Assets %	0.74	0.73	0.87	0.81	0.74
Nonperforming Assets / Total Assets %	0.74	0.73	0.87	0.81	0.74
NPAs / Loans and OREO	1.44	1.42	1.64	1.53	1.42
NPAs / Equity	13.13	12.12	16.08	15.09	14.64
Allowance for Credit Losses / Net Charge-offs %	419.04	408.56	597.23	334.08	310.2
Allowance for Credit Losses / Nonperforming Loans %	88.84	59.29	59.33	52.12	47.53
Allowance for Credit Losses / Total Loans %	1.28	0.84	0.97	0.8	0.67
Net Charge-offs / Total Average Loans %	-	-	-	-	-
Provision for Loan Losses / Net Charge-offs %	301.96	-147.38	200.53	27.17	41.89
Earning Assets / IBL	-	-	-	-	-
Interest Income / Average Assets	-	-	-	-	-
Interest Expense / Average Assets	-	-	-	-	-
Net Interest Income / Average Assets	-	-	-	-	-
Non Interest Income / Average Assets	-	-	-	-	-
Non Interest Expense / Average Asset	-	-	-	-	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.68	5.81	5.68	5.18	5.19
Total Average Equity / Total Average Assets %	5.7	5.83	5.71	5.2	5.22
Total Equity + Allowance for Loan Losses / Total Loans %	12.2	12.48	11.14	10.91	10.33
Gross Loans / Total Deposits %	97.22	93.94	96.41	97.69	96.83
Net Loans / Total Deposits %	95.85	93.1	95.11	96.43	95.67
Tier 1 Capital Ratio %	19.1	20	17.1	17.2	16.6
Total Capital Ratio %	23.3	23.6	19.7	19.8	19
Core Tier 1 Capital Ratio	16.2	17.3	15.1	14.6	14.2
Tier 2 Capital Ratio	4.19	3.67	2.63	2.61	2.4
Coverage Ratio	88.84	59.29	59.33	52.12	47.53
Interbank Ratio	34.76	149.33	99.12	112.95	130.64
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.34	2.77	2.88	1.51	1.31
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	5.59	-12.87	49.02	2.91	-7.68
Non Interest Income, 1 Yr. Growth %	-44.66	39.18	-25.38	73.1	4.45
Provision For Loan Losses, 1 Yr. Growth %	220.6	-133.16	-210.45	-80.09	42.24
Total Revenues, 1 Yr. Growth %	-34.89	53.19	0.41	26.72	-4.93
Earnings From Cont. Operations, 1 Yr. Growth %	-53.86	324.3	-5.61	40.66	-18.87
Net Income, 1 Yr. Growth %	-54.94	338.85	-5.62	42.67	-19.03
Normalized Net Income, 1 Yr. Growth %	-61.8	405.65	17.23	46.6	-23.08
Diluted EPS Before Extra, 1 Yr. Growth %	-64.71	525	-4	53.06	-17.33
Dividend Per Share, 1 Yr. Growth %	-49.11	250.88	20	15	14.86
Gross Loans, 1 Yr. Growth %	0.55	1.54	2	0.27	1.48
Allowance For Loan Losses, 1 Yr. Growth %	76.82	-33.75	18.66	-17.82	-14.31
Net Loans, 1 Yr. Growth %	-0	2.07	1.86	0.33	1.57
Non Performing Loans, 1 Yr. Growth %	7.9	-0.72	18.58	-6.45	-6.03
Non Performing Assets, 1 Yr. Growth %	7.9	-0.72	18.58	-6.45	-6.03
Total Assets, 1 Yr. Growth %	4.48	1.75	-0.98	0.92	2.86
Total Deposits, 1 Yr Growth %	9.84	4.45	-0.29	-1.05	2.38
Tangible Book Value, 1 Yr. Growth %	3.02	8.61	-14.15	7.69	-3.45
Average Interest Earning Assets, 1 Yr. Growth %	0.07	2.21	1.66	0.29	-0.46
Average Interest Bearing Liabilities, 1 Yr. Growth %	-	-	-	-	-
Common Equity, 1 Yr. Growth %	3.32	7.59	-10.66	8.01	-3.07
Total Equity, 1 Yr. Growth %	3.36	7.57	-10.59	7.87	-3.12
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-10.42	-4.08	13.95	10.6	-2.53
Non Interest Income, 2 Yr. CAGR %	-5.09	-12.24	1.91	5.4	34.46
Provision For Loan Losses, 2 Yr. CAGR %	110.58	3.12	-39.48	-53.11	-46.79
Total Revenues, 2 Yr. CAGR %	-20.19	-0.13	24.03	3.69	9.76
Earnings From Cont. Operations, 2 Yr. CAGR %	-44.52	39.92	100.13	-3.17	6.83
Net Income, 2 Yr. CAGR %	-45.32	40.62	103.52	-2.84	7.48
Normalized Net Income, 2 Yr. CAGR %	-44.07	30.12	121.54	11.14	6.19
Diluted EPS Before Extra, 2 Yr. CAGR %	-53.29	48.52	144.95	0	12.49
Dividend Per Share, 2 Yr. CAGR %	-57.86	33.63	105.2	17.47	14.93
Gross Loans, 2 Yr. CAGR %	-0.14	0.74	1.93	1.32	0.87
Allowance For Loan Losses, 2 Yr. CAGR %	35.25	8.23	-11.33	-1.25	-16.09
Net Loans, 2 Yr. CAGR %	-0.38	0.72	1.96	1.09	0.95
Non Performing Loans, 2 Yr. CAGR %	6.32	3.5	8.5	5.32	-6.24
Non Performing Assets, 2 Yr. CAGR %	6.32	3.5	8.5	5.32	-6.24
Total Assets, 2 Yr. CAGR %	4.52	3.11	0.38	0.01	1.89
Total Deposits, 2 Yr CAGR %	4.36	7.11	2.06	-0.67	0.65
Tangible Book Value, 2 Yr. CAGR %	-1.76	5.78	-3.44	-6.33	1.97
Average Interest Earning Assets, 2 Yr. CAGR %	-	-	-	-	-
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	-	-	-	-
Common Equity, 2 Yr. CAGR %	-0.74	5.43	-1.96	-3.82	2.32
Total Equity, 2 Yr. CAGR %	-0.79	5.44	-1.93	-3.83	2.23
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-0.5	-11.24	11.09	7.35	4.13
Non Interest Income, 3 Yr. CAGR %	-15.19	7.83	-16.86	5.71	5.08
Provision For Loan Losses, 3 Yr. CAGR %	82.11	13.72	5.5	-58.22	-32.12
Total Revenues, 3 Yr. CAGR %	-14.27	-0.81	0.05	18.09	0.73
Earnings From Cont. Operations, 3 Yr. CAGR %	-27.56	9.31	22.72	58.45	-8.71
Net Income, 3 Yr. CAGR %	-28.19	9.48	23.12	60.6	-8.57
Normalized Net Income, 3 Yr. CAGR %	-27.89	8.52	18.01	74.81	-1.69
Diluted EPS Before Extra, 3 Yr. CAGR %	-34.65	10.89	28.42	84.2	-6.15
Dividend Per Share, 3 Yr. CAGR %	-42.83	-14.59	28.92	69.18	16.59
Gross Loans, 3 Yr. CAGR %	0.11	0.21	1.27	1.37	1.37
Allowance For Loan Losses, 3 Yr. CAGR %	21.38	6.62	11.6	-13.55	-5.81
Net Loans, 3 Yr. CAGR %	-0.06	0.23	1.1	1.42	1.25
Non Performing Loans, 3 Yr. CAGR %	8.08	3.92	8.3	3.27	1.39
Non Performing Assets, 3 Yr. CAGR %	8.08	3.92	8.3	3.27	1.39
Total Assets, 3 Yr. CAGR %	2.41	3.59	1.73	0.39	0.95
Total Deposits, 3 Yr CAGR %	3.16	4.39	4.58	1.01	0.34
Tangible Book Value, 3 Yr. CAGR %	0.12	1.58	-1.33	-2.98	-5.38
Average Interest Earning Assets, 3 Yr. CAGR %	-	-	-	-	-
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	-	-	-	-
Common Equity, 3 Yr. CAGR %	1.02	1.96	-0.23	-1.39	-3.57
Total Equity, 3 Yr. CAGR %	1.01	1.92	-0.2	-1.4	-3.6
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-1.03	0.2	5.05	-0.15	3.82
Non Interest Income, 5 Yr. CAGR %	-4.21	-4.6	-8.72	1.25	-7.35
Provision For Loan Losses, 5 Yr. CAGR %	60.51	12.88	17.21	-20.21	-19.76
Total Revenues, 5 Yr. CAGR %	-7.62	0.63	-0.62	0.96	0.39
Earnings From Cont. Operations, 5 Yr. CAGR %	7.73	22.15	8.77	4.14	8.29
Net Income, 5 Yr. CAGR %	8.91	22.9	8.93	4.37	8.61
Normalized Net Income, 5 Yr. CAGR %	9.44	13.29	8.26	6.19	6.59
Diluted EPS Before Extra, 5 Yr. CAGR %	9.39	25.59	10.86	6.4	12.77
Dividend Per Share, 5 Yr. CAGR %	-24.01	-4.74	-4.68	-2.98	23.13
Gross Loans, 5 Yr. CAGR %	-0.85	-0.41	0.72	0.64	1.11
Allowance For Loan Losses, 5 Yr. CAGR %	13.71	9.63	7.05	3.4	-0.43
Net Loans, 5 Yr. CAGR %	-0.95	-0.44	0.62	0.57	1.04
Non Performing Loans, 5 Yr. CAGR %	-7.51	-5.38	8.25	4.48	2.23
Non Performing Assets, 5 Yr. CAGR %	-7.9	-5.91	8.25	4.48	2.23
Total Assets, 5 Yr. CAGR %	1.55	1.63	1.59	2.02	1.69
Total Deposits, 5 Yr CAGR %	1.59	2.77	2.71	2.34	2.99
Tangible Book Value, 5 Yr. CAGR %	-0.01	0.92	-1.32	-2.5	-1.91
Average Interest Earning Assets, 5 Yr. CAGR %	-6.69	-5.83	-	-	-
Average Interest Bearing Liabilities, 5 Yr. CAGR %	-	-	-	-	-
Common Equity, 5 Yr. CAGR %	1.09	1.96	-0.18	-1.13	-0.81
Total Equity, 5 Yr. CAGR %	1.01	1.86	-0.18	-1.16	-0.82