Cash flow NatWest Group plc

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NWG

GB00BM8PJY71

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145c7f8caa3.imONDinGuwNfO0TQDWVlgbexCgaDq6rGISV_TCnEDYM.8iblWnCh3mU1WB6jQSxX5NyJSF-u6JuMDEhKeU7pOc3vG902ZKjjTzxsHQ

Published financial data: NATWEST GROUP PLC

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	10.07B	9.31B	12.64B	21.03B	25.19B
Interest Income, Total	10.07B	9.31B	12.64B	21.03B	25.19B
Interest On Deposits	2.32B	1.7B	2.8B	9.98B	13.91B
Interest Expense, Total	2.32B	1.7B	2.8B	9.98B	13.91B
Net Interest Income	7.75B	7.61B	9.84B	11.05B	11.28B
Income From Trading Activities	1.12B	323M	1.13B	794M	825M
Gain (Loss) on Sale of Assets	-3M	18M	-5M	-21M	31M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	96M	117M	-168M	-43M	-19M
Income (Loss) on Equity Invest. (Income Block)	-30M	216M	-30M	-9M	19M
Total Other Non Interest Income	2.24B	2.37B	2.54B	2.98B	2.57B
Non Interest Income, Total	3.43B	3.04B	3.48B	3.7B	3.43B
Revenues Before Provison For Loan Losses	11.18B	10.66B	13.32B	14.75B	14.7B
Provision For Loan Losses	3.24B	-1.28B	337M	578M	359M
Total Revenues	7.94B	11.94B	12.98B	14.17B	14.34B
Salaries And Other Employee Benefits	3.4B	3.22B	3.66B	3.85B	3.94B
Occupancy Expense	1.78B	1.81B	1.94B	2.09B	2.27B
Selling General & Admin Expenses, Total	1.71B	1.94B	2.09B	2.06B	1.65B
Non Interest Expense, Total	6.89B	6.97B	7.69B	8B	7.85B
EBT, Excl. Unusual Items	1.05B	4.96B	5.29B	6.18B	6.49B
Restructuring Charges	-1.01B	-787M	-	-	-
Total Merger & Related Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-2M	-	-	-	-
Insurance Settlements	-	-	-	-	-
Legal Settlements	-	-	-	-	-
Other Unusual Items	-382M	-145M	-161M	3M	-295M
EBT, Incl. Unusual Items	-351M	4.03B	5.13B	6.18B	6.2B
Income Tax Expense	83M	996M	1.28B	1.43B	1.46B
Earnings From Continuing Operations	-434M	3.04B	3.86B	4.74B	4.73B
Earnings Of Discontinued Operations	-	276M	-262M	-112M	81M
Net Income to Company	-434M	3.31B	3.6B	4.63B	4.81B
Minority Interest	62M	-44M	-6M	4M	-9M
Net Income - (IS)	-372M	3.27B	3.59B	4.64B	4.8B
Preferred Dividend and Other Adjustments	381M	318M	249M	242M	283M
Net Income to Common Incl Extra Items	-753M	2.95B	3.34B	4.39B	4.52B
Net Income to Common Excl. Extra Items	-753M	2.67B	3.6B	4.51B	4.44B
Per Share Items
Net EPS - Basic	-0.07	0.27	0.34	0.48	0.53
Basic EPS - Continuing Operations	-0.07	0.25	0.36	0.49	0.53
Basic Weighted Average Shares Outstanding	11.23B	10.79B	9.87B	9.16B	8.45B
Net EPS - Diluted	-0.07	0.27	0.34	0.48	0.53
Diluted EPS - Continuing Operations	-0.07	0.25	0.36	0.49	0.52
Diluted Weighted Average Shares Outstanding	11.25B	10.83B	9.93B	9.22B	8.52B
Normalized Basic EPS	0.06	0.28	0.33	0.42	0.48
Normalized Diluted EPS	0.06	0.28	0.33	0.42	0.48
Dividend Per Share	0.03	0.11	0.14	0.17	0.22
Payout Ratio	-102.42	30.94	40.51	36.63	37.23
American Depositary Receipts Ratio (ADR)	2	2	2	2	2
Supplemental Items
Effective Tax Rate - (Ratio)	-23.65	24.7	24.84	23.21	23.65
Total Current Taxes	105M	1B	1.51B	1.5B	1.56B
Total Deferred Taxes	-22M	-9M	-236M	-62M	-95M
Normalized Net Income	716M	3.06B	3.3B	3.86B	4.05B
Non-Cash Pension Expense	7M	-17M	11M	17M	-13M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	60M	49M	60M	51M	61M
Total Stock-Based Compensation	60M	49M	60M	51M	61M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	132B	186B	153B	114B	101B
Investment Securities, Total	99.99B	93.74B	73.13B	102B	126B
Trading Asset Securities, Total	207B	137B	115B	91.91B	93.31B
Total investments	307B	231B	188B	194B	219B
Gross Loans	343B	339B	353B	360B	371B
Allowance For Loan Losses	-6.19B	-3.81B	-3.43B	-3.64B	-3.42B
Other Adjustments to Gross Loans	-	-891M	-889M	-1.02B	-1B
Net Loans	337B	335B	348B	356B	367B
Gross Property Plant And Equipment	-	-	-	-	-
Accumulated Depreciation	-	-	-	-	-
Net Property Plant And Equipment	4.42B	4.23B	4.24B	4.23B	3.97B
Goodwill	5.61B	5.52B	5.52B	5.68B	5.68B
Other Intangibles, Total	1.05B	1.2B	1.59B	1.93B	1.91B
Investment in Real Estate	-	-	-	-	-
Accrued Interest Receivable	216M	248M	327M	292M	-
Other Receivables	192M	190M	279M	49M	7M
Restricted Cash	7.67B	4.35B	4.96B	4.57B	3.76B
Other Current Assets, Total	600M	9.6B	7.44B	1.83B	-
Deferred Tax Assets Long-Term (Collected)	901M	1.2B	2.18B	1.89B	1.88B
Other Long-Term Assets, Total	3.41B	3.22B	3.46B	7.94B	3.94B
Total Assets	799B	782B	720B	693B	708B
Liabilities
Accrued Expenses, Total	1.31B	1.51B	1.41B	1.41B	1.35B
Interest Bearing Deposits	442B	484B	461B	441B	453B
Institutional Deposits	-	-	-	-	-
Non-Interest Bearing Deposits	-	-	-	-	-
Total Deposits	442B	484B	461B	441B	453B
Short-Term Borrowings	180B	132B	111B	97.68B	96.68B
Current Portion of Long-Term Debt	5.07B	7.83B	8.71B	10.05B	12.46B
Current Portion of Leases	185M	238M	137M	102M	94M
Long-Term Debt	42.66B	40.2B	39.93B	38.16B	41.68B
Long-Term Leases	1.51B	1.02B	981M	568M	536M
Current Income Taxes Payable	63M	12M	55M	332M	263M
Other Current Liabilities - (Bank / Utility Template)	53.51B	47B	48.23B	55.81B	49.73B
Unearned Revenue Non Current	361M	319M	355M	402M	394M
Pension & Other Post Retirement Benefits	121M	114M	98M	99M	80M
Deferred Tax Liability Non-Current	291M	359M	227M	141M	99M
Other Non Current Liabilities	29.49B	24.93B	11.9B	9.86B	11.81B
Total Liabilities	756B	740B	684B	655B	669B
Preferred Stock Non Redeemable	1M	1M	-	500K	500K
Preferred Stock - Others	493M	493M	-	-	-
Total Preferred Equity	494M	494M	-	500K	500K
Common Stock, Total	12.13B	11.47B	10.54B	9.68B	8.97B
Additional Paid In Capital	617M	667M	1.16B	1.16B	1.16B
Retained Earnings	12.57B	12.97B	10.02B	10.64B	11.43B
Treasury Stock	-24M	-371M	-258M	-503M	-868M
Comprehensive Income and Other	18.08B	16.57B	15.03B	16.17B	18.66B
Total Common Equity	43.37B	41.3B	36.49B	37.16B	39.35B
Minority Interest	-36M	7M	8M	31M	28M
Total Equity	43.82B	41.8B	36.5B	37.19B	39.38B
Total Liabilities And Equity	799B	782B	720B	693B	708B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	11.25B	10.47B	9.66B	8.79B	8.04B
ECS Total Common Shares Outstanding	11.25B	10.47B	9.66B	8.79B	8.04B
Book Value / Share	3.41	3.57	3.37	3.78	4.24
Tangible Book Value	36.71B	34.58B	29.37B	29.54B	31.76B
Tangible Book Value Per Share	2.82	2.93	2.64	2.92	3.29
Tangible Book Value Per Share (As Reported)	2.81	2.93	2.64	2.92	3.29
Average Assets	-	-	-	-	-
Average Loans	-	-	-	-	-
Total Debt	229B	182B	161B	147B	151B
Deposits at Interest - Cash	14.71B	12.95B	13.62B	14.56B	11.85B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-8.38B	-10.98B	-10B	-7.52B	-5.47B
Net Debt	-154B	-189B	-149B	-110B	-105B
Equity Method Investments, Total	449M	716M	688M	668M	690M
Full Time Employees	59.82K	58.74K	61.86K	61.25K	61.65K
Number Of Offices	800	800	-	-	-
Assets on Operating Lease - Gross	-	-	-	-	-
Assets on Operating Lease - Accumulated Depreciation	-	-	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	-372M	3.27B	3.59B	4.64B	4.8B
Depreciation, Depletion & Amortization	623M	536M	492M	496M	497M
Amortization of Goodwill and Intangible Assets - (CF)	282M	300M	-	-	-
Total Depreciation, Depletion & Amortization	905M	836M	492M	496M	497M
Amortization of Deferred Charges, Total	-	-	341M	438M	561M
(Gain) Loss On Sale of Asset - (CF)	0	-25M	154M	125M	-23M
(Gain) Loss on Sale of Investments - (CF)	-1.3B	1.86B	1.44B	-540M	295M
Total Asset Writedown	9M	87M	-	-	-
Restructuring Activities	-	-	-	-	-
Provision for Credit Losses	3.24B	-1.28B	337M	578M	359M
(Income) Loss On Equity Investments - (CF)	-	-216M	30M	9M	-19M
Change in Trading Asset Securities	-12.03B	67.45B	18.61B	21.15B	-5.7B
Change in Other Net Operating Assets (Collected)	-23.76B	-74.59B	-31.73B	-29.62B	-12.94B
Other Operating Activities	-201M	2.33B	-1.2B	2.62B	2.49B
Net Cash From Discontinued Operations	-	222M	-333M	-118M	81M
Cash from Operations	-33.51B	-60M	-8.27B	-223M	-9.6B
Capital Expenditure	-376M	-901M	-639M	-811M	-464M
Sale of Property, Plant, and Equipment	348M	165M	154M	128M	198M
Cash Acquisitions	-	-3.13B	-	-139M	-2.3B
Divestitures	288M	114M	6.27B	5.56B	995M
Purchase / Sale of Intangible Assets	-348M	-479M	-743M	-744M	-614M
Investment in Marketable and Equity Securities, Total	7.11B	6.66B	13.46B	-19.7B	-12.34B
Other Investing Activities, Total	521M	636M	553M	1.01B	1.83B
Cash from Investing	7.55B	3.06B	19.06B	-14.69B	-12.7B
Long-Term Debt Issued, Total	636M	2.74B	-	4.58B	6.44B
Total Debt Issued	636M	2.74B	-	4.58B	6.44B
Long-Term Debt Repaid, Total	-2.38B	-3.45B	-5.39B	-5.49B	-3.85B
Total Debt Repaid	-2.38B	-3.45B	-5.39B	-5.49B	-3.85B
Issuance of Common Stock	2.22B	937M	-	-	1.39B
Repurchase of Common Stock	-2M	-1.81B	-2.05B	-2.42B	-2.72B
Repurchase of Preferred Stock	-	-	-	-	-
Common Dividends Paid	-355M	-992M	-1.45B	-1.7B	-1.79B
Preferred Dividends Paid	-26M	-19M	-	-	-
Common & Preferred Stock Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-381M	-1.01B	-1.45B	-1.7B	-1.79B
Net Increase (Decrease) in Deposit Accounts - (CF)	62.6B	53.74B	-35.33B	-17.22B	11.38B
Special Dividend Paid	-	-	-1.75B	-	-
Other Financing Activities, Total	-	-5M	-5M	-1.29B	-1.36B
Cash from Financing	62.7B	51.14B	-45.98B	-23.52B	9.49B
Foreign Exchange Rate Adjustments	1.88B	-2.64B	2.93B	-1.19B	-1.17B
Net Change in Cash	38.61B	51.51B	-32.26B	-39.62B	-13.98B
Supplemental Items
Cash Interest Paid	3.6B	2.64B	3.43B	10.15B	15.03B
Cash Income Tax Paid (Refund)	214M	856M	1.22B	1.03B	1.6B
Net Debt Issued / Repaid	-1.74B	-716M	-5.39B	-902M	2.58B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	-0.06	0.38	0.51	0.67	0.68
Return On Equity %	-0.99	7.09	9.85	12.88	12.36
Return on Common Equity	-1.74	6.32	9.26	12.24	11.6
Shareholders Value Added	-4.64B	-1.02B	-1.08B	217M	212M
Margin Analysis
SG&A Margin	86.82	58.41	59.22	56.42	54.75
Net Interest Income / Total Revenues %	97.64	63.8	75.82	77.97	78.6
EBT Excl. Non-Recurring Items Margin %	13.18	41.59	40.78	43.57	45.25
Income From Continuing Operations Margin %	-5.47	25.44	29.71	33.48	32.98
Net Income Margin %	-4.69	27.38	27.65	32.71	33.48
Net Avail. For Common Margin %	-9.49	22.4	27.75	31.8	30.94
Normalized Net Income Margin	9.02	25.63	25.44	27.26	28.22
Asset quality
Nonperforming Loans / Total Loans %	1.85	1.48	1.44	1.54	1.6
Nonperforming Loans / Total Assets %	0.8	0.64	0.71	0.8	0.84
Nonperforming Assets / Total Assets %	0.8	0.64	0.71	0.8	0.84
NPAs / Loans and OREO	1.85	1.48	1.44	1.54	1.6
NPAs / Equity	14.51	12.01	13.96	14.96	15.06
Allowance for Credit Losses / Net Charge-offs %	-	-	-	-	-
Allowance for Credit Losses / Nonperforming Loans %	97.29	75.79	67.39	65.52	57.76
Allowance for Credit Losses / Total Loans %	1.8	1.12	0.97	1.01	0.92
Net Charge-offs / Total Average Loans %	-	-	-	-	-
Provision for Loan Losses / Net Charge-offs %	-	-	-	-	-
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	5.35	5.18	5.21	5.46
Total Average Equity / Total Average Assets %	5.74	5.41	5.21	5.22	5.47
Total Equity + Allowance for Loan Losses / Total Loans %	14.58	13.44	11.32	11.32	11.53
Gross Loans / Total Deposits %	77.74	70.1	76.59	81.73	81.82
Net Loans / Total Deposits %	76.33	69.13	75.65	80.67	80.84
Tier 1 Capital Ratio %	21.9	21	16.4	15.5	16.5
Total Capital Ratio %	25.7	24.7	19.3	18.4	19.7
Core Tier 1 Capital Ratio	18.5	18.2	14.2	13.4	13.6
Tier 2 Capital Ratio	3.8	3.64	2.87	2.91	3.23
Coverage Ratio	97.29	75.79	67.39	65.52	57.76
Interbank Ratio	33.75	29.23	49.12	70.65	62.27
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	0.85	3.37	2.84	1.62	1.45
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-3.7	1.85	30.62	12.26	2.05
Non Interest Income, 1 Yr. Growth %	-33.4	-10.87	14.35	6.47	-7.35
Provision For Loan Losses, 1 Yr. Growth %	365.8	-140.82	-128.73	71.51	-37.89
Total Revenues, 1 Yr. Growth %	-36.51	53.82	10.5	9.18	1.22
Earnings From Cont. Operations, 1 Yr. Growth %	-111.42	-647.03	35.43	23	-0.3
Net Income, 1 Yr. Growth %	-110.51	-978.49	9.82	29.17	3.58
Normalized Net Income, 1 Yr. Growth %	-72.33	382.98	31.97	17	-0.93
Diluted EPS Before Extra, 1 Yr. Growth %	-124.04	-416.89	58.08	35.08	6.54
Dividend Per Share, 1 Yr. Growth %	50.23	250.15	21.75	23.46	26.47
Gross Loans, 1 Yr. Growth %	6.94	-1.41	3.92	2.07	2.95
Allowance For Loan Losses, 1 Yr. Growth %	63.13	-38.47	-9.77	6.14	-6.04
Net Loans, 1 Yr. Growth %	6.27	-0.68	4.09	2	3.06
Non Performing Loans, 1 Yr. Growth %	-3.64	-21.01	1.47	9.16	6.6
Non Performing Assets, 1 Yr. Growth %	-3.64	-21.01	1.47	9.16	6.6
Total Assets, 1 Yr. Growth %	10.57	-2.19	-7.92	-3.8	2.21
Total Deposits, 1 Yr Growth %	14.56	9.67	-4.89	-4.27	2.84
Tangible Book Value, 1 Yr. Growth %	0.77	-5.81	-15.06	0.58	7.51
Average Interest Earning Assets, 1 Yr. Growth %	10.01	8.51	4.79	-4.33	1.67
Average Interest Bearing Liabilities, 1 Yr. Growth %	-	-	-	-	-
Common Equity, 1 Yr. Growth %	0.73	-4.76	-11.66	1.83	5.9
Total Equity, 1 Yr. Growth %	0.62	-4.61	-12.7	1.9	5.89
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-5.38	-1.19	15.41	21.09	7.03
Non Interest Income, 2 Yr. CAGR %	-11.61	-22.99	1.16	10.34	-0.68
Provision For Loan Losses, 2 Yr. CAGR %	185.41	32.86	-67.02	-29.8	3.21
Total Revenues, 2 Yr. CAGR %	-20.79	-1.12	29.94	9.83	5.12
Earnings From Cont. Operations, 2 Yr. CAGR %	-55.08	-7.44	148.02	29.06	10.74
Net Income, 2 Yr. CAGR %	-58.49	-3.9	210.61	19.11	15.67
Normalized Net Income, 2 Yr. CAGR %	-46.86	12.17	757.82	24.26	6.88
Diluted EPS Before Extra, 2 Yr. CAGR %	-31.84	-1.91	107.31	46.13	19.97
Dividend Per Share, 2 Yr. CAGR %	-26.13	129.36	106.47	22.6	26.2
Gross Loans, 2 Yr. CAGR %	5.25	2.84	1.22	3.03	2.51
Allowance For Loan Losses, 2 Yr. CAGR %	26.74	0.18	-25.49	-2.14	-0.13
Net Loans, 2 Yr. CAGR %	4.95	2.74	1.68	3.08	2.53
Non Performing Loans, 2 Yr. CAGR %	-11.81	-12.76	-10.47	5.25	7.87
Non Performing Assets, 2 Yr. CAGR %	-11.81	-12.76	-10.47	5.25	7.87
Total Assets, 2 Yr. CAGR %	7.31	4	-5.1	-5.88	-0.84
Total Deposits, 2 Yr CAGR %	7.83	12.09	2.13	-4.58	-0.78
Tangible Book Value, 2 Yr. CAGR %	-2.51	-2.57	-10.55	-7.57	3.99
Average Interest Earning Assets, 2 Yr. CAGR %	6.27	9.22	6.81	0.12	-
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	-	-	-	-
Common Equity, 2 Yr. CAGR %	-2.09	-2.05	-8.27	-5.15	3.85
Total Equity, 2 Yr. CAGR %	-2.91	-2.03	-8.74	-5.68	3.87
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-4.82	-4.19	8.06	14.35	14.38
Non Interest Income, 3 Yr. CAGR %	-6.19	-11.49	-12.18	2.9	4.1
Provision For Loan Losses, 3 Yr. CAGR %	87.35	47.53	-22.5	-42.86	-32.61
Total Revenues, 3 Yr. CAGR %	-14.39	-1.91	2.07	22.62	6.88
Earnings From Cont. Operations, 3 Yr. CAGR %	-33.98	12.17	2.86	96.32	18.42
Net Income, 3 Yr. CAGR %	-36.79	14.82	0.47	131.85	13.69
Normalized Net Income, 3 Yr. CAGR %	-32.78	6.46	10.75	341.56	17.38
Diluted EPS Before Extra, 3 Yr. CAGR %	-0.37	19.56	12.2	79.73	31.52
Dividend Per Share, 3 Yr. CAGR %	-	24.08	85.71	73.95	23.88
Gross Loans, 3 Yr. CAGR %	2.87	3.09	3.2	1.53	3.01
Allowance For Loan Losses, 3 Yr. CAGR %	17.49	-0.39	-3.25	-16.16	-3.45
Net Loans, 3 Yr. CAGR %	2.66	3.04	3.18	1.81	3.07
Non Performing Loans, 3 Yr. CAGR %	-10.62	-14.99	-8.25	-4.35	5.7
Non Performing Assets, 3 Yr. CAGR %	-10.62	-14.99	-8.25	-4.35	5.7
Total Assets, 3 Yr. CAGR %	2.7	4.05	-0.14	-4.67	-3.26
Total Deposits, 3 Yr CAGR %	4.94	8.44	6.12	-0.05	-2.17
Tangible Book Value, 3 Yr. CAGR %	-2.18	-3.62	-6.93	-6.99	-2.79
Average Interest Earning Assets, 3 Yr. CAGR %	5.33	6.3	7.34	2.96	0.64
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	-	-	-	-
Common Equity, 3 Yr. CAGR %	-1.78	-2.99	-5.36	-5.02	-1.6
Total Equity, 3 Yr. CAGR %	-3.71	-3.48	-5.72	-5.33	-1.97
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-2.44	-2.65	1.83	5	7.65
Non Interest Income, 5 Yr. CAGR %	-4.94	-5.36	-3.5	-3.36	-7.75
Provision For Loan Losses, 5 Yr. CAGR %	34.85	21.74	-7.33	7.75	-13.09
Total Revenues, 5 Yr. CAGR %	-10.62	-0.5	0.52	2.3	3.28
Earnings From Cont. Operations, 5 Yr. CAGR %	-30.75	-10.17	20.66	17.14	5.94
Net Income, 5 Yr. CAGR %	-25.25	-8.87	19.5	16.51	6.29
Normalized Net Income, 5 Yr. CAGR %	22.95	9.07	6.98	8.79	10.73
Diluted EPS Before Extra, 5 Yr. CAGR %	-27.26	-17.39	39.8	27.65	15.24
Dividend Per Share, 5 Yr. CAGR %	-	-	-	23.49	58.49
Gross Loans, 5 Yr. CAGR %	1.85	0.74	2.27	3.07	2.94
Allowance For Loan Losses, 5 Yr. CAGR %	-2.77	-3.1	-2.08	-1.09	-2.02
Net Loans, 5 Yr. CAGR %	1.95	0.73	2.27	3.05	2.94
Non Performing Loans, 5 Yr. CAGR %	-13.87	-15.28	-10.56	-7.41	-2.11
Non Performing Assets, 5 Yr. CAGR %	-13.87	-15.28	-10.56	-7.41	-2.11
Total Assets, 5 Yr. CAGR %	-0.39	-0.42	-0.49	-0.04	-0.42
Total Deposits, 5 Yr CAGR %	3.53	4.57	3.81	3.03	3.31
Tangible Book Value, 5 Yr. CAGR %	-3.38	-2.66	-5.62	-5.22	-2.7
Average Interest Earning Assets, 5 Yr. CAGR %	3.61	-	5.2	3.56	3.76
Average Interest Bearing Liabilities, 5 Yr. CAGR %	-	-	-	-	-
Common Equity, 5 Yr. CAGR %	-2.86	-2.15	-4.43	-3.86	-1.78
Total Equity, 5 Yr. CAGR %	-4.14	-3.29	-5.76	-4.37	-2