Cash flow Northern Trust Corporation

Equities

NTRS

US6658591044

Investment Management & Fund Operators

Market Closed - Nasdaq Other stock markets 21:00:00 15/01/2026 GMT			5-day change	1st Jan Change
147.10 ^USD	+1.20%		+1.90%	+7.69%

01-14	Northern Trust Renews, Expands Mandate With Sweden's AMF Pension Provider	MT
01-14	Northern Trust Secures Expanded Mandate with AMF Tjanstepension AB	CI

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Published financial data: NORTHERN TRUST CORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	1.64B	1.41B	2.88B	7.32B	9.76B
Interest Income, Total	1.64B	1.41B	2.88B	7.32B	9.76B
Interest On Deposits	200M	23.8M	990M	5.34B	7.59B
Interest Expense, Total	200M	23.8M	990M	5.34B	7.59B
Net Interest Income	1.44B	1.38B	1.89B	1.98B	2.18B
Trust Income	4B	4.36B	4.43B	4.36B	4.73B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-400K	-300K	-214M	-170M	-189M
Total Other Non Interest Income	663M	721M	655M	599M	1.57B
Non Interest Income, Total	4.66B	5.08B	4.87B	4.79B	6.11B
Revenues Before Provison For Loan Losses	6.1B	6.46B	6.76B	6.77B	8.29B
Provision For Loan Losses	125M	-81.5M	12M	24.5M	-3M
Total Revenues	5.98B	6.55B	6.75B	6.75B	8.29B
Salaries And Other Employee Benefits	2.19B	2.35B	2.53B	2.57B	2.69B
Occupancy Expense	82.8M	79.7M	35.3M	71.1M	77M
Selling General & Admin Expenses, Total	1.73B	1.88B	2.1B	2.21B	2.41B
Total Other Non Interest Expense	288M	234M	283M	398M	349M
Non Interest Expense, Total	4.3B	4.54B	4.95B	5.25B	5.53B
EBT, Excl. Unusual Items	1.68B	2.01B	1.8B	1.5B	2.77B
Restructuring Charges	-52.5M	-	-	-	-
Legal Settlements	-	-	-	-	-10.6M
Other Unusual Items	-	-	-30.4M	-36.7M	-96.5M
EBT, Incl. Unusual Items	1.63B	2.01B	1.77B	1.46B	2.66B
Income Tax Expense	418M	465M	430M	358M	628M
Earnings From Continuing Operations	1.21B	1.55B	1.34B	1.11B	2.03B
Net Income to Company	1.21B	1.55B	1.34B	1.11B	2.03B
Net Income - (IS)	1.21B	1.55B	1.34B	1.11B	2.03B
Preferred Dividend and Other Adjustments	68.3M	54.7M	53.6M	53.4M	58.7M
Net Income to Common Incl Extra Items	1.14B	1.49B	1.28B	1.05B	1.97B
Net Income to Common Excl. Extra Items	1.14B	1.49B	1.28B	1.05B	1.97B
Per Share Items
Net EPS - Basic	5.48	7.16	6.16	5.09	9.8
Basic EPS - Continuing Operations	5.48	7.16	6.16	5.09	9.8
Basic Weighted Average Shares Outstanding	208M	208M	208M	207M	201M
Net EPS - Diluted	5.46	7.14	6.14	5.08	9.77
Diluted EPS - Continuing Operations	5.46	7.14	6.14	5.08	9.77
Diluted Weighted Average Shares Outstanding	209M	209M	209M	208M	202M
Normalized Basic EPS	5.04	6.04	5.39	4.53	8.59
Normalized Diluted EPS	5.02	6.01	5.38	4.52	8.57
Dividend Per Share	2.8	2.8	2.9	3	3
Payout Ratio	52.14	40.45	59.63	59.9	31.71
American Depositary Receipts Ratio (ADR)	0.5	0.5	0.5	0.5	0.5
Supplemental Items
Effective Tax Rate - (Ratio)	25.7	23.12	24.36	24.41	23.63
Current Domestic Taxes	260M	316M	442M	314M	467M
Current Foreign Taxes	142M	147M	131M	92M	141M
Total Current Taxes	402M	463M	573M	406M	608M
Deferred Domestic Taxes	14.2M	300K	-137M	-55.4M	16.4M
Deferred Foreign Taxes	2.2M	1.7M	-6M	7.2M	4.3M
Total Deferred Taxes	16.4M	2M	-143M	-48.2M	20.7M
Normalized Net Income	1.05B	1.26B	1.12B	938M	1.73B
Non-Cash Pension Expense	14.9M	33.9M	28M	-37.2M	-44.2M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	91.4M	95.5M	125M	118M	119M
Total Stock-Based Compensation	91.4M	95.5M	125M	118M	119M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	4.39B	3.06B	4.69B	4.79B	4.7B
Investment Securities, Total	65.67B	63.75B	55.22B	52.12B	54.03B
Trading Asset Securities, Total	1.05B	814M	1.02B	442M	3.45B
Mortgage Backed Securities	1.03B	1.42B	1.39B	903M	628M
Total investments	67.75B	65.98B	57.62B	53.46B	58.1B
Gross Loans	33.77B	40.49B	42.9B	47.62B	43.4B
Allowance For Loan Losses	-199M	-151M	-161M	-192M	-176M
Other Adjustments to Gross Loans	-9.8M	-10.4M	-9M	-5.9M	-6.3M
Net Loans	33.56B	40.33B	42.73B	47.42B	43.22B
Gross Property Plant And Equipment	2.17B	1.75B	1.73B	1.85B	1.81B
Accumulated Depreciation	-1.1B	-732M	-750M	-829M	-841M
Net Property Plant And Equipment	1.08B	1.02B	985M	1.02B	968M
Goodwill	707M	706M	691M	702M	695M
Other Intangibles, Total	113M	1.77B	2.04B	2.1B	2.21B
Loans Held For Sale	-	-	-	-	-
Accrued Interest Receivable	-	-	457M	529M	498M
Other Receivables	936M	1.05B	938M	928M	997M
Restricted Cash	55.5B	64.58B	40.03B	34.33B	38.78B
Other Current Assets, Total	1.16B	1.94B	1.7B	213M	41.1M
Other Real Estate Owned And Foreclosed	700K	3M	-	1.5M	-
Other Long-Term Assets, Total	4.81B	3.44B	3.15B	5.28B	5.3B
Total Assets	170B	184B	155B	151B	156B
Liabilities
Interest Bearing Deposits	99.86B	111B	98.59B	93.33B	98.13B
Institutional Deposits	907M	1.03B	-	-	-
Non-Interest Bearing Deposits	43.11B	48.32B	25.34B	22.83B	24.35B
Total Deposits	144B	160B	124B	116B	122B
Short-Term Borrowings	6.38B	4.97B	11.84B	11.84B	10.1B
Current Portion of Long-Term Debt	500M	500M	-	-	-
Current Portion of Leases	99.1M	93.2M	88.3M	93.2M	105M
Long-Term Debt	3.81B	3.15B	4.79B	6.84B	6.85B
Long-Term Leases	602M	570M	538M	600M	544M
Trust Preferred Securities (BS)	278M	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	22.4M	22.4M	219M	179M	227M
Other Non Current Liabilities	2.75B	2.64B	2.36B	3.17B	2.41B
Total Liabilities	158B	172B	144B	139B	143B
Preferred Stock Redeemable	885M	885M	885M	885M	885M
Total Preferred Equity	885M	885M	885M	885M	885M
Common Stock, Total	409M	409M	409M	409M	409M
Additional Paid In Capital	964M	939M	984M	1.01B	1.03B
Retained Earnings	12.21B	13.12B	13.8B	14.23B	15.61B
Treasury Stock	-3.2B	-3.3B	-3.25B	-3.5B	-4.33B
Comprehensive Income and Other	428M	-35.6M	-1.57B	-1.14B	-814M
Total Common Equity	10.8B	11.13B	10.37B	11.01B	11.9B
Total Equity	11.69B	12.02B	11.26B	11.9B	12.79B
Total Liabilities And Equity	170B	184B	155B	151B	156B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	208M	208M	208M	205M	196M
ECS Total Common Shares Outstanding	208M	208M	208M	205M	196M
Book Value / Share	51.87	53.58	49.78	53.69	60.74
Tangible Book Value	9.98B	8.65B	7.64B	8.21B	9B
Tangible Book Value Per Share	47.93	41.64	36.67	40.03	45.9
Average Assets	137B	156B	153B	143B	147B
Average Loans	33.5B	37.21B	41.03B	42.18B	40.92B
Total Debt	11.67B	9.28B	17.26B	19.37B	17.6B
Federal Funds Sold	-	-	32M	-	25M
Debt Equivalent of Unfunded Proj. Benefit Obligation	-136M	-148M	9M	60M	-104M
Net Debt	-549M	2.1B	8.51B	10.83B	6.74B
Full Time Employees	20.9K	21.1K	23.6K	23.1K	23.3K
Assets under Capital Lease - Gross	-	-	-	-	-
Assets under Capital Lease - Accumulated Depreciation	-	-	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	1.21B	1.55B	1.34B	1.11B	2.03B
Depreciation, Depletion & Amortization	116M	111M	110M	116M	110M
Amortization of Goodwill and Intangible Assets - (CF)	16.9M	14.8M	9.3M	9.3M	9.2M
Total Depreciation, Depletion & Amortization	133M	126M	119M	125M	119M
Amortization of Deferred Charges, Total	367M	390M	434M	509M	598M
(Gain) Loss on Sale of Investments - (CF)	89.3M	100M	60.3M	172M	154M
Provision for Credit Losses	125M	-81.5M	12M	24.5M	-3M
Changes in Accrued Interest Payable	-23.6M	-7.8M	173M	85.8M	-41.9M
Change In Income Taxes	25.4M	37.2M	61.3M	-44.4M	184M
Change in Other Net Operating Assets (Collected)	-13.3M	-927M	697M	-60.6M	-3.29B
Other Operating Activities	-15.6M	175M	-501M	706M	-233M
Cash from Operations	1.9B	1.36B	2.39B	2.63B	-486M
Capital Expenditure	-136M	-95.5M	-129M	-116M	-102M
Cash Acquisitions	-	-	-	-	-
Purchase / Sale of Intangible Assets	-425M	-420M	-595M	-559M	-644M
Investment in Marketable and Equity Securities, Total	-6.66B	-407M	6.2B	3.96B	-1.5B
Net (Increase) Decrease in Loans Originated / Sold - Investing	-2.32B	-6.74B	-2.44B	-4.7B	4.17B
Other Investing Activities, Total	-20.39B	-10.94B	22.89B	6.2B	-4.49B
Cash from Investing	-29.92B	-18.6B	25.93B	4.78B	-2.56B
Short Term Debt Issued, Total	-	492M	5.9B	1.37B	-
Long-Term Debt Issued, Total	993M	-	1.99B	2B	-
Total Debt Issued	993M	492M	7.89B	3.37B	-
Short Term Debt Repaid, Total	-3.44B	-686M	-	-1.06B	-1.31B
Long-Term Debt Repaid, Total	-509M	-779M	-500M	-	-
Total Debt Repaid	-3.95B	-1.47B	-500M	-1.06B	-1.31B
Issuance of Common Stock	19.5M	53.8M	3.9M	2.3M	9.4M
Repurchase of Common Stock	-300M	-268M	-35.4M	-348M	-938M
Issuance of Preferred Stock	-	-	-	-	-
Repurchase of Preferred Stock	-400M	-	-	-	-
Common Dividends Paid	-585M	-583M	-750M	-622M	-602M
Preferred Dividends Paid	-45.9M	-41.8M	-46.5M	-41.8M	-41.8M
Common & Preferred Stock Dividends Paid	-630M	-625M	-797M	-663M	-644M
Net Increase (Decrease) in Deposit Accounts - (CF)	32.14B	17.89B	-33B	-8.48B	6.33B
Other Financing Activities, Total	1.2M	100K	-	-2.7M	-6.4M
Cash from Financing	27.87B	16.07B	-26.44B	-7.18B	3.44B
Foreign Exchange Rate Adjustments	84.6M	-160M	-287M	-89.8M	-504M
Net Change in Cash	-69.7M	-1.33B	1.6B	137M	-114M
Supplemental Items
Cash Interest Paid	227M	30.8M	822M	5.29B	7.61B
Cash Income Tax Paid (Refund)	328M	371M	460M	362M	269M
Net Debt Issued / Repaid	-2.96B	-973M	7.39B	2.31B	-1.31B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.79	0.87	0.79	0.72	1.33
Return On Equity %	10.62	13.04	11.48	9.56	16.46
Return on Common Equity	11.07	13.59	11.93	9.86	17.21
Shareholders Value Added	21.75M	244M	54.91M	-167M	665M
Margin Analysis
SG&A Margin	67.07	65.72	69.19	71.85	62.44
Net Interest Income / Total Revenues %	24.15	21.12	27.96	29.37	26.25
EBT Excl. Non-Recurring Items Margin %	28.12	30.71	26.62	22.25	33.36
Income From Continuing Operations Margin %	20.24	23.61	19.79	16.41	24.49
Net Income Margin %	20.24	23.61	19.79	16.41	24.49
Net Avail. For Common Margin %	19.09	22.77	19	15.62	23.78
Normalized Net Income Margin	17.57	19.19	16.64	13.9	20.85
Asset quality
Nonperforming Loans / Total Loans %	0.39	0.3	0.11	0.13	0.13
Nonperforming Loans / Total Assets %	0.08	0.07	0.03	0.04	0.04
Nonperforming Assets / Total Assets %	0.08	0.07	0.03	0.04	0.04
NPAs / Loans and OREO	0.39	0.31	0.11	0.14	0.13
NPAs / Equity	1.13	1.04	0.41	0.55	0.44
Allowance for Credit Losses / Net Charge-offs %	6.21K	-2.39K	-3.84K	5.06K	1.55K
Allowance for Credit Losses / Nonperforming Loans %	150.95	123.14	350.98	302.36	313.39
Allowance for Credit Losses / Total Loans %	0.59	0.37	0.38	0.4	0.4
Net Charge-offs / Total Average Loans %	0.01	-0.02	-0.01	0.01	0.03
Provision for Loan Losses / Net Charge-offs %	3.91K	1.29K	-285.71	644.74	-26.55
Earning Assets / IBL	127.38	132.42	129.01	120.3	119.06
Interest Income / Average Assets	1.2	0.9	1.89	5.13	6.66
Interest Expense / Average Assets	0.15	0.02	0.65	3.75	5.17
Net Interest Income / Average Assets	1.05	0.88	1.24	1.39	1.48
Non Interest Income / Average Assets	3.4	3.25	3.19	3.36	4.17
Non Interest Expense / Average Asset	3.14	2.9	3.25	3.68	3.77
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.72	6.2	6.35	6.99	7.48
Total Average Equity / Total Average Assets %	7.42	6.7	6.87	7.57	8.06
Total Equity + Allowance for Loan Losses / Total Loans %	35.2	30.05	26.62	25.39	29.87
Gross Loans / Total Deposits %	23.47	25.32	34.62	41	35.43
Net Loans / Total Deposits %	23.33	25.22	34.48	40.83	35.28
Tier 1 Capital Ratio %	13.9	12.9	11.8	12.3	13.3
Total Capital Ratio %	15.6	14.1	13.9	14.2	15.1
Core Tier 1 Capital Ratio	12.8	11.9	10.8	11.4	12.4
Tier 2 Capital Ratio	1.63	1.14	2.1	1.91	1.75
Coverage Ratio	150.95	90.4	147.66	199.69	266.31
Leverage Ratio %	7.6	6.9	7.1	8.1	8.1
Interbank Ratio	1.99K	495.36	122.21	71.11	91.39
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	9.13	85.46	2.78	1.27	1.35
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-13.99	-4.19	36.49	5.02	9.84
Non Interest Income, 1 Yr. Growth %	5.97	9.11	-4.09	-1.69	27.59
Provision For Loan Losses, 1 Yr. Growth %	-962.07	-165.2	-114.72	104.17	-112.24
Total Revenues, 1 Yr. Growth %	-1.84	9.54	3.1	-0	22.88
Earnings From Cont. Operations, 1 Yr. Growth %	-18.96	27.78	-13.54	-17.12	83.43
Net Income, 1 Yr. Growth %	-18.96	27.78	-13.54	-17.12	83.43
Normalized Net Income, 1 Yr. Growth %	-13.58	19.64	-10.62	-16.43	74.43
Diluted EPS Before Extra, 1 Yr. Growth %	-17.65	30.78	-14.01	-17.26	92.32
Dividend Per Share, 1 Yr. Growth %	7.69	0	3.57	3.45	0
Gross Loans, 1 Yr. Growth %	7.46	19.9	5.96	11	-8.87
Allowance For Loan Losses, 1 Yr. Growth %	90.24	-24.25	6.97	19.37	-8.74
Net Loans, 1 Yr. Growth %	7.21	20.17	5.96	10.98	-8.88
Non Performing Loans, 1 Yr. Growth %	57.54	-7.14	-62.47	38.56	-11.95
Non Performing Assets, 1 Yr. Growth %	52.53	-5.36	-63.37	41.83	-13.98
Total Assets, 1 Yr. Growth %	24.25	8.17	-15.69	-2.74	3.13
Total Deposits, 1 Yr Growth %	31.85	11.16	-22.51	-6.27	5.44
Tangible Book Value, 1 Yr. Growth %	10.93	3.11	-11.65	7.43	9.54
Average Interest Earning Assets, 1 Yr. Growth %	15.89	15.9	-3.5	-5.79	2.76
Average Interest Bearing Liabilities, 1 Yr. Growth %	13.98	11.5	-0.95	1.03	3.84
Common Equity, 1 Yr. Growth %	10.04	3.04	-6.8	6.15	8.09
Total Equity, 1 Yr. Growth %	5.39	2.81	-6.3	5.67	7.48
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-5.69	-9.22	14.35	19.73	7.41
Non Interest Income, 2 Yr. CAGR %	3.62	7.53	2.3	-2.9	11.99
Provision For Loan Losses, 2 Yr. CAGR %	193.61	137.08	-69.02	-45.17	-50
Total Revenues, 2 Yr. CAGR %	0.01	3.7	6.27	1.54	10.85
Earnings From Cont. Operations, 2 Yr. CAGR %	-11.85	1.76	5.11	-15.35	23.3
Net Income, 2 Yr. CAGR %	-11.85	1.76	5.11	-15.35	23.3
Normalized Net Income, 2 Yr. CAGR %	-7.36	1.68	5.07	-13.57	25.15
Diluted EPS Before Extra, 2 Yr. CAGR %	-9.3	3.77	6.04	-15.65	26.14
Dividend Per Share, 2 Yr. CAGR %	20.14	3.77	1.77	3.51	1.71
Gross Loans, 2 Yr. CAGR %	1.93	13.51	12.71	8.45	0.57
Allowance For Loan Losses, 2 Yr. CAGR %	32.87	20.05	-9.98	13	4.37
Net Loans, 2 Yr. CAGR %	1.81	13.5	12.84	8.44	0.56
Non Performing Loans, 2 Yr. CAGR %	9.77	20.95	-40.96	-27.89	10.46
Non Performing Assets, 2 Yr. CAGR %	6.06	20.15	-41.12	-27.92	10.46
Total Assets, 2 Yr. CAGR %	13.39	15.93	-4.5	-9.45	0.15
Total Deposits, 2 Yr CAGR %	17.34	21.06	-7.19	-14.77	-0.59
Tangible Book Value, 2 Yr. CAGR %	6.4	-1.96	-4.55	-2.58	8.48
Average Interest Earning Assets, 2 Yr. CAGR %	4.47	15.9	5.76	-4.65	-1.61
Average Interest Bearing Liabilities, 2 Yr. CAGR %	4.85	12.73	5.09	0.03	2.43
Common Equity, 2 Yr. CAGR %	5.94	6.48	-2	-0.54	7.12
Total Equity, 2 Yr. CAGR %	5.47	4.09	-1.85	-0.5	6.57
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	0.33	-5.2	4	11.15	16.34
Non Interest Income, 3 Yr. CAGR %	5.68	5.42	3.51	0.95	6.35
Provision For Loan Losses, 3 Yr. CAGR %	64.66	77.8	-6.11	-41.91	-66.74
Total Revenues, 3 Yr. CAGR %	3.41	3.09	3.5	4.14	8.21
Earnings From Cont. Operations, 3 Yr. CAGR %	0.29	-0.24	-3.62	-2.89	9.54
Net Income, 3 Yr. CAGR %	0.29	-0.24	-3.62	-2.89	9.54
Normalized Net Income, 3 Yr. CAGR %	0.93	0.88	-2.59	-2.65	11.24
Diluted EPS Before Extra, 3 Yr. CAGR %	3.51	2.46	-2.53	-2.38	11.02
Dividend Per Share, 3 Yr. CAGR %	20.51	13.01	3.71	2.33	2.33
Gross Loans, 3 Yr. CAGR %	1.21	7.6	10.94	12.14	2.34
Allowance For Loan Losses, 3 Yr. CAGR %	14.86	10.18	15.52	-1.1	5.23
Net Loans, 3 Yr. CAGR %	1.17	7.6	10.93	12.22	2.33
Non Performing Loans, 3 Yr. CAGR %	-4.39	3.82	-18.12	-21.54	-22.92
Non Performing Assets, 3 Yr. CAGR %	-5.18	2.11	-19.13	-21.07	-23.54
Total Assets, 3 Yr. CAGR %	7.05	11.62	4.25	-3.92	-5.43
Total Deposits, 3 Yr CAGR %	8.58	15.24	4.33	-6.88	-8.51
Tangible Book Value, 3 Yr. CAGR %	5.23	-0.63	-5.3	-0.72	1.31
Average Interest Earning Assets, 3 Yr. CAGR %	3.74	8.15	9.03	1.76	-2.24
Average Interest Bearing Liabilities, 3 Yr. CAGR %	5.32	7.02	7.97	3.72	1.29
Common Equity, 3 Yr. CAGR %	4.99	4.96	1.86	0.64	2.26
Total Equity, 3 Yr. CAGR %	4.59	4.57	0.5	0.59	2.1
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	6.16	2.29	5.72	4.08	5.35
Non Interest Income, 5 Yr. CAGR %	5.1	6.29	4.31	2.01	6.82
Provision For Loan Losses, 5 Yr. CAGR %	23.79	25.67	-15.59	11.06	-27.03
Total Revenues, 5 Yr. CAGR %	4.72	5.51	4.55	2.47	6.38
Earnings From Cont. Operations, 5 Yr. CAGR %	4.43	8.4	2.19	-6.58	6.36
Net Income, 5 Yr. CAGR %	4.43	8.4	2.19	-6.58	6.36
Normalized Net Income, 5 Yr. CAGR %	2.78	4.85	1.92	-5.17	7.31
Diluted EPS Before Extra, 5 Yr. CAGR %	6.47	10.57	4.52	-5.21	8.06
Dividend Per Share, 5 Yr. CAGR %	14.71	13.6	12.63	9.11	2.9
Gross Loans, 5 Yr. CAGR %	0.36	3.67	5.66	7.94	6.67
Allowance For Loan Losses, 5 Yr. CAGR %	0.51	-1.33	4.19	11.3	10.93
Net Loans, 5 Yr. CAGR %	0.42	3.72	5.69	7.93	6.66
Non Performing Loans, 5 Yr. CAGR %	-6.07	-5.26	-21.16	-10.26	-7.7
Non Performing Assets, 5 Yr. CAGR %	-6.8	-5.4	-21.63	-11.17	-8.39
Total Assets, 5 Yr. CAGR %	7.81	8.21	2.27	2.66	2.59
Total Deposits, 5 Yr CAGR %	8.23	9.49	1.97	2.14	2.34
Tangible Book Value, 5 Yr. CAGR %	5.21	0.77	-2.26	-1.42	-0.01
Average Interest Earning Assets, 5 Yr. CAGR %	3.95	6.09	4.54	2.84	4.65
Average Interest Bearing Liabilities, 5 Yr. CAGR %	5.59	7.16	5.22	4.17	5.72
Common Equity, 5 Yr. CAGR %	5.37	4.6	2.14	2.73	3.93
Total Equity, 5 Yr. CAGR %	6.07	4.23	1.96	2.52	2.89