Income Statement NatWest Group plc

Equities

NWG

GB00BM8PJY71

Banks

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02-16	UK Equities Start Week in Green; NatWest Kicks Off Share Buyback	MT
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Published financial data: NATWEST GROUP PLC

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	9.31B	12.64B	21.03B	25.19B	25.7B
Interest Income, Total	9.31B	12.64B	21.03B	25.19B	25.7B
Interest On Deposits	1.7B	2.8B	9.98B	13.91B	12.87B
Interest Expense, Total	1.7B	2.8B	9.98B	13.91B	12.87B
Net Interest Income	7.61B	9.84B	11.05B	11.28B	12.83B
Income From Trading Activities	323M	1.13B	794M	825M	1.11B
Gain (Loss) on Sale of Assets	18M	-5M	-21M	31M	-36M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	117M	-168M	-43M	-19M	-8M
Income (Loss) on Equity Invest. (Income Block)	216M	-30M	-9M	19M	68M
Total Other Non Interest Income	2.37B	2.54B	2.98B	2.57B	2.68B
Non Interest Income, Total	3.04B	3.48B	3.7B	3.43B	3.81B
Revenues Before Provison For Loan Losses	10.66B	13.32B	14.75B	14.7B	16.64B
Provision For Loan Losses	-1.28B	337M	578M	359M	671M
Total Revenues	11.94B	12.98B	14.17B	14.34B	15.97B
Salaries And Other Employee Benefits	3.22B	3.66B	3.85B	3.94B	4.05B
Occupancy Expense	1.81B	1.94B	2.09B	2.27B	2.44B
Selling General & Admin Expenses, Total	1.94B	2.09B	2.06B	1.65B	1.6B
Non Interest Expense, Total	6.97B	7.69B	8B	7.85B	8.1B
EBT, Excl. Unusual Items	4.96B	5.29B	6.18B	6.49B	7.87B
Restructuring Charges	-787M	-	-	-	-
Total Merger & Related Restructuring Charges	-	-	-	-	-
Asset Writedown	-	-	-	-	-
Insurance Settlements	-	-	-	-	-
Legal Settlements	-	-	-	-	-
Other Unusual Items	-145M	-161M	3M	-295M	-161M
EBT, Incl. Unusual Items	4.03B	5.13B	6.18B	6.2B	7.71B
Income Tax Expense	996M	1.28B	1.43B	1.46B	1.87B
Earnings From Continuing Operations	3.04B	3.86B	4.74B	4.73B	5.83B
Earnings Of Discontinued Operations	276M	-262M	-112M	81M	-
Net Income to Company	3.31B	3.6B	4.63B	4.81B	5.83B
Minority Interest	-44M	-6M	4M	-9M	-3M
Net Income - (IS)	3.27B	3.59B	4.64B	4.8B	5.83B
Preferred Dividend and Other Adjustments	318M	249M	242M	283M	352M
Net Income to Common Incl Extra Items	2.95B	3.34B	4.39B	4.52B	5.48B
Net Income to Common Excl. Extra Items	2.67B	3.6B	4.51B	4.44B	5.48B
Per Share Items
Net EPS - Basic	0.27	0.34	0.48	0.53	0.68
Basic EPS - Continuing Operations	0.25	0.36	0.49	0.53	0.68
Basic Weighted Average Shares Outstanding	10.79B	9.87B	9.16B	8.45B	8.05B
Net EPS - Diluted	0.27	0.34	0.48	0.53	0.67
Diluted EPS - Continuing Operations	0.25	0.36	0.49	0.52	0.67
Diluted Weighted Average Shares Outstanding	10.83B	9.93B	9.22B	8.52B	8.13B
Normalized Basic EPS	0.28	0.33	0.42	0.48	0.61
Normalized Diluted EPS	0.28	0.33	0.42	0.48	0.6
Dividend Per Share	0.11	0.14	0.17	0.22	0.32
Payout Ratio	30.94	40.51	36.63	37.23	40.64
American Depositary Receipts Ratio (ADR)	2	2	2	2	2
Supplemental Items
Effective Tax Rate - (Ratio)	24.7	24.84	23.21	23.65	24.31
Total Current Taxes	1B	1.51B	1.5B	1.56B	1.4B
Total Deferred Taxes	-9M	-236M	-62M	-95M	473M
Normalized Net Income	3.06B	3.3B	3.86B	4.05B	4.92B
Non-Cash Pension Expense	-17M	11M	17M	-13M	8M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	49M	60M	51M	61M	58M
Total Stock-Based Compensation	49M	60M	51M	61M	58M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	186B	153B	114B	101B	92.69B
Investment Securities, Total	93.74B	73.13B	102B	126B	140B
Trading Asset Securities, Total	137B	115B	91.91B	93.31B	74.97B
Total investments	231B	188B	194B	219B	215B
Gross Loans	339B	353B	360B	371B	393B
Allowance For Loan Losses	-3.81B	-3.43B	-3.64B	-3.42B	-3.58B
Other Adjustments to Gross Loans	-891M	-889M	-1.02B	-1B	-895M
Net Loans	335B	348B	356B	367B	388B
Gross Property Plant And Equipment	-	-	-	-	-
Accumulated Depreciation	-	-	-	-	-
Net Property Plant And Equipment	4.23B	4.24B	4.23B	3.97B	4.28B
Goodwill	5.52B	5.52B	5.68B	5.68B	5.52B
Other Intangibles, Total	1.2B	1.59B	1.93B	1.91B	1.77B
Investment in Real Estate	-	-	-	-	-
Accrued Interest Receivable	248M	327M	292M	-	-
Other Receivables	190M	279M	49M	7M	71M
Restricted Cash	4.35B	4.96B	4.57B	3.76B	2.75B
Other Current Assets, Total	9.6B	7.44B	1.83B	-	229M
Deferred Tax Assets Long-Term (Collected)	1.2B	2.18B	1.89B	1.88B	1.25B
Other Long-Term Assets, Total	3.22B	3.46B	7.94B	3.94B	2.56B
Total Assets	782B	720B	693B	708B	715B
Liabilities
Accrued Expenses, Total	1.51B	1.41B	1.41B	1.35B	1.35B
Interest Bearing Deposits	484B	461B	441B	453B	460B
Institutional Deposits	-	-	-	-	-
Non-Interest Bearing Deposits	-	-	-	-	-
Total Deposits	484B	461B	441B	453B	460B
Short-Term Borrowings	132B	111B	97.68B	96.68B	92.99B
Current Portion of Long-Term Debt	7.83B	8.71B	10.05B	12.46B	12.55B
Current Portion of Leases	238M	137M	102M	94M	85M
Long-Term Debt	40.2B	39.93B	38.16B	41.68B	49.46B
Long-Term Leases	1.02B	981M	568M	536M	450M
Current Income Taxes Payable	12M	55M	332M	263M	76M
Other Current Liabilities - (Bank / Utility Template)	47B	48.23B	55.81B	49.73B	44.02B
Unearned Revenue Non Current	319M	355M	402M	394M	422M
Pension & Other Post Retirement Benefits	114M	98M	99M	80M	78M
Deferred Tax Liability Non-Current	359M	227M	141M	99M	104M
Other Non Current Liabilities	24.93B	11.9B	9.86B	11.81B	10.56B
Total Liabilities	740B	684B	655B	669B	672B
Preferred Stock Non Redeemable	1M	-	500K	500K	500K
Preferred Stock - Others	493M	-	-	-	-
Total Preferred Equity	494M	-	500K	500K	500K
Common Stock, Total	11.47B	10.54B	9.68B	8.97B	8.86B
Additional Paid In Capital	667M	1.16B	1.16B	1.16B	1.16B
Retained Earnings	12.97B	10.02B	10.64B	11.43B	14.42B
Treasury Stock	-371M	-258M	-503M	-868M	-717M
Comprehensive Income and Other	16.57B	15.03B	16.17B	18.66B	18.88B
Total Common Equity	41.3B	36.49B	37.16B	39.35B	42.6B
Minority Interest	7M	8M	31M	28M	14M
Total Equity	41.8B	36.5B	37.19B	39.38B	42.61B
Total Liabilities And Equity	782B	720B	693B	708B	715B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	10.47B	9.66B	8.79B	8.04B	8B
ECS Total Common Shares Outstanding	10.47B	9.66B	8.79B	8.04B	8B
Book Value / Share	3.57	3.37	3.78	4.24	4.76
Tangible Book Value	34.58B	29.37B	29.54B	31.76B	35.31B
Tangible Book Value Per Share	2.93	2.64	2.92	3.29	3.84
Tangible Book Value Per Share (As Reported)	2.93	2.64	2.92	3.29	3.84
Average Assets	-	-	-	-	-
Average Loans	-	-	-	-	-
Total Debt	182B	161B	147B	151B	156B
Deposits at Interest - Cash	12.95B	13.62B	14.56B	11.85B	10.25B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-10.98B	-10B	-7.52B	-5.47B	-5.22B
Net Debt	-189B	-149B	-110B	-105B	-72.6B
Equity Method Investments, Total	716M	688M	668M	690M	753M
Full Time Employees	58.74K	61.86K	61.25K	61.65K	59K
Number Of Offices	800	-	-	-	-
Assets on Operating Lease - Gross	-	-	-	-	-
Assets on Operating Lease - Accumulated Depreciation	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	3.27B	3.59B	4.64B	4.8B	5.83B
Depreciation, Depletion & Amortization	536M	492M	496M	497M	465M
Amortization of Goodwill and Intangible Assets - (CF)	300M	-	-	-	-
Total Depreciation, Depletion & Amortization	836M	492M	496M	497M	465M
Amortization of Deferred Charges, Total	-	341M	438M	561M	689M
(Gain) Loss On Sale of Asset - (CF)	-25M	154M	125M	-23M	-7M
(Gain) Loss on Sale of Investments - (CF)	1.86B	1.44B	-540M	295M	41M
Total Asset Writedown	87M	-	-	-	-
Restructuring Activities	-	-	-	-	-
Provision for Credit Losses	-1.28B	337M	578M	359M	671M
(Income) Loss On Equity Investments - (CF)	-216M	30M	9M	-19M	-68M
Change in Trading Asset Securities	67.45B	18.61B	21.15B	-5.7B	17.88B
Change in Other Net Operating Assets (Collected)	-74.59B	-31.73B	-29.62B	-12.94B	-36.4B
Other Operating Activities	2.33B	-1.2B	2.62B	2.49B	-1.52B
Net Cash From Discontinued Operations	222M	-333M	-118M	81M	-
Cash from Operations	-60M	-8.27B	-223M	-9.6B	-12.42B
Capital Expenditure	-901M	-639M	-811M	-464M	-665M
Sale of Property, Plant, and Equipment	165M	154M	128M	198M	60M
Cash Acquisitions	-3.13B	-	-139M	-2.3B	230M
Divestitures	114M	6.27B	5.56B	995M	-
Purchase / Sale of Intangible Assets	-479M	-743M	-744M	-614M	-617M
Investment in Marketable and Equity Securities, Total	6.66B	13.46B	-19.7B	-12.34B	-15.26B
Other Investing Activities, Total	636M	553M	1.01B	1.83B	2.49B
Cash from Investing	3.06B	19.06B	-14.69B	-12.7B	-13.76B
Long-Term Debt Issued, Total	2.74B	-	4.58B	6.44B	5.69B
Total Debt Issued	2.74B	-	4.58B	6.44B	5.69B
Long-Term Debt Repaid, Total	-3.45B	-5.39B	-5.49B	-3.85B	-4.18B
Total Debt Repaid	-3.45B	-5.39B	-5.49B	-3.85B	-4.18B
Issuance of Common Stock	937M	-	-	1.39B	1.25B
Repurchase of Common Stock	-1.81B	-2.05B	-2.42B	-2.72B	-579M
Repurchase of Preferred Stock	-	-	-	-	-
Common Dividends Paid	-992M	-1.45B	-1.7B	-1.79B	-2.37B
Preferred Dividends Paid	-19M	-	-	-	-
Common & Preferred Stock Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-1.01B	-1.45B	-1.7B	-1.79B	-2.37B
Net Increase (Decrease) in Deposit Accounts - (CF)	53.74B	-35.33B	-17.22B	11.38B	19.49B
Special Dividend Paid	-	-1.75B	-	-	-
Other Financing Activities, Total	-5M	-5M	-1.29B	-1.36B	-3.31B
Cash from Financing	51.14B	-45.98B	-23.52B	9.49B	15.99B
Foreign Exchange Rate Adjustments	-2.64B	2.93B	-1.19B	-1.17B	775M
Net Change in Cash	51.51B	-32.26B	-39.62B	-13.98B	-9.41B
Supplemental Items
Cash Interest Paid	2.64B	3.43B	10.15B	15.03B	14.33B
Cash Income Tax Paid (Refund)	856M	1.22B	1.03B	1.6B	1.79B
Net Debt Issued / Repaid	-716M	-5.39B	-902M	2.58B	1.52B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.38	0.51	0.67	0.68	0.82
Return On Equity %	7.09	9.85	12.88	12.36	14.23
Return on Common Equity	6.32	9.26	12.24	11.6	13.37
Shareholders Value Added	-1.02B	-1.08B	217M	212M	914M
Margin Analysis
SG&A Margin	58.41	59.22	56.42	54.75	50.73
Net Interest Income / Total Revenues %	63.8	75.82	77.97	78.6	80.33
EBT Excl. Non-Recurring Items Margin %	41.59	40.78	43.57	45.25	49.27
Income From Continuing Operations Margin %	25.44	29.71	33.48	32.98	36.53
Net Income Margin %	27.38	27.65	32.71	33.48	36.51
Net Avail. For Common Margin %	22.4	27.75	31.8	30.94	34.31
Normalized Net Income Margin	25.63	25.44	27.26	28.22	30.78
Asset quality
Nonperforming Loans / Total Loans %	1.48	1.44	1.54	1.6	1.19
Nonperforming Loans / Total Assets %	0.64	0.71	0.8	0.84	0.66
Nonperforming Assets / Total Assets %	0.64	0.71	0.8	0.84	0.66
NPAs / Loans and OREO	1.48	1.44	1.54	1.6	1.19
NPAs / Equity	12.01	13.96	14.96	15.06	10.99
Allowance for Credit Losses / Net Charge-offs %	-	-	-	-	-
Allowance for Credit Losses / Nonperforming Loans %	75.79	67.39	65.52	57.76	76.55
Allowance for Credit Losses / Total Loans %	1.12	0.97	1.01	0.92	0.91
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 %	5.35	5.18	5.21	5.46	5.76
Total Average Equity / Total Average Assets %	5.41	5.21	5.22	5.47	5.76
Total Equity + Allowance for Loan Losses / Total Loans %	13.44	11.32	11.32	11.53	11.76
Gross Loans / Total Deposits %	70.1	76.59	81.73	81.82	85.38
Net Loans / Total Deposits %	69.13	75.65	80.67	80.84	84.41
Tier 1 Capital Ratio %	21	16.4	15.5	16.5	16.4
Total Capital Ratio %	24.7	19.3	18.4	19.7	19.3
Core Tier 1 Capital Ratio	18.2	14.2	13.4	13.6	14
Tier 2 Capital Ratio	3.64	2.87	2.91	3.23	2.98
Coverage Ratio	75.79	67.39	65.52	57.76	76.55
Interbank Ratio	29.23	49.12	70.65	62.27	15.78
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	3.37	2.84	1.62	1.45	1.6
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	1.85	30.62	12.26	2.05	13.78
Non Interest Income, 1 Yr. Growth %	-10.87	14.35	6.47	-7.35	11.2
Provision For Loan Losses, 1 Yr. Growth %	-140.82	-128.73	71.51	-37.89	86.91
Total Revenues, 1 Yr. Growth %	53.82	10.5	9.18	1.22	11.34
Earnings From Cont. Operations, 1 Yr. Growth %	-647.03	35.43	23	-0.3	23.34
Net Income, 1 Yr. Growth %	-978.49	9.82	29.17	3.58	21.43
Normalized Net Income, 1 Yr. Growth %	382.98	31.97	17	-0.93	21.44
Diluted EPS Before Extra, 1 Yr. Growth %	-416.89	58.08	35.08	6.54	29.37
Dividend Per Share, 1 Yr. Growth %	250.15	21.75	23.46	26.47	51.16
Gross Loans, 1 Yr. Growth %	-1.41	3.92	2.07	2.95	5.83
Allowance For Loan Losses, 1 Yr. Growth %	-38.47	-9.77	6.14	-6.04	4.67
Net Loans, 1 Yr. Growth %	-0.68	4.09	2	3.06	5.88
Non Performing Loans, 1 Yr. Growth %	-21.01	1.47	9.16	6.6	-21.03
Non Performing Assets, 1 Yr. Growth %	-21.01	1.47	9.16	6.6	-21.03
Total Assets, 1 Yr. Growth %	-2.19	-7.92	-3.8	2.21	0.93
Total Deposits, 1 Yr Growth %	9.67	-4.89	-4.27	2.84	1.4
Tangible Book Value, 1 Yr. Growth %	-5.81	-15.06	0.58	7.51	11.16
Average Interest Earning Assets, 1 Yr. Growth %	8.51	4.79	-4.33	1.67	3.4
Average Interest Bearing Liabilities, 1 Yr. Growth %	-	-	-	-	-
Common Equity, 1 Yr. Growth %	-4.76	-11.66	1.83	5.9	8.26
Total Equity, 1 Yr. Growth %	-4.61	-12.7	1.9	5.89	8.22
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-1.19	15.41	21.09	7.03	7.75
Non Interest Income, 2 Yr. CAGR %	-22.99	1.16	10.34	-0.68	1.46
Provision For Loan Losses, 2 Yr. CAGR %	32.86	-67.02	-29.8	3.21	7.74
Total Revenues, 2 Yr. CAGR %	-1.12	29.94	9.83	5.12	6.15
Earnings From Cont. Operations, 2 Yr. CAGR %	-7.44	148.02	29.06	10.74	10.89
Net Income, 2 Yr. CAGR %	-3.9	210.61	19.11	15.67	12.15
Normalized Net Income, 2 Yr. CAGR %	12.17	757.82	24.26	6.88	9.66
Diluted EPS Before Extra, 2 Yr. CAGR %	-1.91	107.31	46.13	19.97	17.4
Dividend Per Share, 2 Yr. CAGR %	129.36	106.47	22.6	26.2	38.27
Gross Loans, 2 Yr. CAGR %	2.84	1.22	3.03	2.51	4.38
Allowance For Loan Losses, 2 Yr. CAGR %	0.18	-25.49	-2.14	-0.13	-0.83
Net Loans, 2 Yr. CAGR %	2.74	1.68	3.08	2.53	4.46
Non Performing Loans, 2 Yr. CAGR %	-12.76	-10.47	5.25	7.87	-8.25
Non Performing Assets, 2 Yr. CAGR %	-12.76	-10.47	5.25	7.87	-8.25
Total Assets, 2 Yr. CAGR %	4	-5.1	-5.88	-0.84	1.57
Total Deposits, 2 Yr CAGR %	12.09	2.13	-4.58	-0.78	2.12
Tangible Book Value, 2 Yr. CAGR %	-2.57	-10.55	-7.57	3.99	9.32
Average Interest Earning Assets, 2 Yr. CAGR %	9.22	6.81	0.12	-	-
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	-	-	-	-
Common Equity, 2 Yr. CAGR %	-2.05	-8.27	-5.15	3.85	7.07
Total Equity, 2 Yr. CAGR %	-2.03	-8.74	-5.68	3.87	7.05
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-4.19	8.06	14.35	14.38	9.24
Non Interest Income, 3 Yr. CAGR %	-11.49	-12.18	2.9	4.1	3.13
Provision For Loan Losses, 3 Yr. CAGR %	47.53	-22.5	-42.86	-32.61	25.8
Total Revenues, 3 Yr. CAGR %	-1.91	2.07	22.62	6.88	7.15
Earnings From Cont. Operations, 3 Yr. CAGR %	12.17	2.86	96.32	18.42	14.79
Net Income, 3 Yr. CAGR %	14.82	0.47	131.85	13.69	17.56
Normalized Net Income, 3 Yr. CAGR %	6.46	10.75	341.56	17.38	11.53
Diluted EPS Before Extra, 3 Yr. CAGR %	19.56	12.2	79.73	31.52	23.02
Dividend Per Share, 3 Yr. CAGR %	24.08	85.71	73.95	23.88	34.02
Gross Loans, 3 Yr. CAGR %	3.09	3.2	1.53	3.01	3.61
Allowance For Loan Losses, 3 Yr. CAGR %	-0.39	-3.25	-16.16	-3.45	1.44
Net Loans, 3 Yr. CAGR %	3.04	3.18	1.81	3.07	3.63
Non Performing Loans, 3 Yr. CAGR %	-14.99	-8.25	-4.35	5.7	-2.78
Non Performing Assets, 3 Yr. CAGR %	-14.99	-8.25	-4.35	5.7	-2.78
Total Assets, 3 Yr. CAGR %	4.05	-0.14	-4.67	-3.26	-0.26
Total Deposits, 3 Yr CAGR %	8.44	6.12	-0.05	-2.17	-0.05
Tangible Book Value, 3 Yr. CAGR %	-3.62	-6.93	-6.99	-2.79	6.33
Average Interest Earning Assets, 3 Yr. CAGR %	6.3	7.34	2.96	0.64	-
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	-	-	-	-
Common Equity, 3 Yr. CAGR %	-2.99	-5.36	-5.02	-1.6	5.3
Total Equity, 3 Yr. CAGR %	-3.48	-5.72	-5.33	-1.97	5.3
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-2.65	1.83	5	7.65	11.67
Non Interest Income, 5 Yr. CAGR %	-5.36	-3.5	-3.36	-7.75	2.34
Provision For Loan Losses, 5 Yr. CAGR %	21.74	-7.33	7.75	-13.09	-26.36
Total Revenues, 5 Yr. CAGR %	-0.5	0.52	2.3	3.28	15.75
Earnings From Cont. Operations, 5 Yr. CAGR %	-10.17	20.66	17.14	5.94	56.22
Net Income, 5 Yr. CAGR %	-8.87	19.5	16.51	6.29	73.4
Normalized Net Income, 5 Yr. CAGR %	9.07	6.98	8.79	10.73	155.8
Diluted EPS Before Extra, 5 Yr. CAGR %	-17.39	39.8	27.65	15.24	51.58
Dividend Per Share, 5 Yr. CAGR %	-	-	23.49	58.49	58.69
Gross Loans, 5 Yr. CAGR %	0.74	2.27	3.07	2.94	2.66
Allowance For Loan Losses, 5 Yr. CAGR %	-3.1	-2.08	-1.09	-2.02	-10.34
Net Loans, 5 Yr. CAGR %	0.73	2.27	3.05	2.94	2.86
Non Performing Loans, 5 Yr. CAGR %	-15.28	-10.56	-7.41	-2.11	-5.93
Non Performing Assets, 5 Yr. CAGR %	-15.28	-10.56	-7.41	-2.11	-5.93
Total Assets, 5 Yr. CAGR %	-0.42	-0.49	-0.04	-0.42	-2.22
Total Deposits, 5 Yr CAGR %	4.57	3.81	3.03	3.31	0.81
Tangible Book Value, 5 Yr. CAGR %	-2.66	-5.62	-5.22	-2.7	-0.78
Average Interest Earning Assets, 5 Yr. CAGR %	-	5.2	3.56	3.76	2.78
Average Interest Bearing Liabilities, 5 Yr. CAGR %	-	-	-	-	-
Common Equity, 5 Yr. CAGR %	-2.15	-4.43	-3.86	-1.78	-0.36
Total Equity, 5 Yr. CAGR %	-3.29	-5.76	-4.37	-2	-0.56