Income Statement The Bank of Nova Scotia

Equities

BNS

CA0641491075

Banks

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Published financial data: THE BANK OF NOVA SCOTIA

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: October	2021	2022	2023	2024	2025
Interest Income On Loans	23.16B	29.39B	45.04B	47.81B	44.29B
Interest Income On Investments	1.83B	4.17B	11.78B	13.85B	13.31B
Interest Income, Total	24.99B	33.56B	56.82B	61.66B	57.6B
Interest On Deposits	6.46B	12.79B	35.65B	39.48B	33.42B
Total Interest On Borrowings	1.56B	2.65B	2.89B	2.93B	2.66B
Interest Expense, Total	8.02B	15.44B	38.54B	42.41B	36.08B
Net Interest Income	16.96B	18.12B	18.29B	19.25B	21.52B
Trust Income	994M	999M	1.03B	1.1B	1.16B
Income From Trading Activities	2.03B	1.79B	1.58B	1.63B	1.98B
Gain (Loss) on Sale of Assets	-9M	-233M	367M	-279M	-1.35B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	419M	74M	129M	48M	71M
Income (Loss) on Equity Invest. (Income Block)	339M	268M	153M	198M	608M
Total Other Non Interest Income	10.51B	10.17B	11.13B	11.58B	12.36B
Non Interest Income, Total	14.28B	13.07B	14.39B	14.28B	14.83B
Revenues Before Provison For Loan Losses	31.24B	31.18B	32.67B	33.53B	36.36B
Provision For Loan Losses	1.81B	1.38B	3.42B	4.05B	4.71B
Total Revenues	29.44B	29.8B	29.25B	29.48B	31.64B
Salaries And Other Employee Benefits	8.24B	8.42B	9.18B	9.39B	10.32B
Occupancy Expense	3.76B	3.44B	3.93B	4.08B	4.34B
Selling General & Admin Expenses, Total	1.86B	2.6B	2.72B	2.82B	3B
Total Other Non Interest Expense	2.74B	2.41B	3.67B	3.26B	3.47B
Non Interest Expense, Total	16.61B	16.87B	19.5B	19.56B	21.13B
EBT, Excl. Unusual Items	12.83B	12.93B	9.75B	9.92B	10.51B
EBT, Incl. Unusual Items	12.83B	12.93B	9.75B	9.92B	10.51B
Income Tax Expense	2.87B	2.76B	2.23B	2.03B	2.75B
Earnings From Continuing Operations	9.96B	10.17B	7.53B	7.89B	7.76B
Net Income to Company	9.96B	10.17B	7.53B	7.89B	7.76B
Minority Interest	-331M	-258M	-118M	-134M	31M
Net Income - (IS)	9.62B	9.92B	7.41B	7.76B	7.79B
Preferred Dividend and Other Adjustments	233M	260M	419M	472M	528M
Net Income to Common Incl Extra Items	9.39B	9.66B	6.99B	7.29B	7.26B
Net Income to Common Excl. Extra Items	9.39B	9.66B	6.99B	7.29B	7.26B
Per Share Items
Net EPS - Basic	7.74	8.05	5.84	5.94	5.84
Basic EPS - Continuing Operations	7.74	8.05	5.84	5.94	5.84
Basic Weighted Average Shares Outstanding	1.21B	1.2B	1.2B	1.23B	1.24B
Net EPS - Diluted	7.7	8.02	5.78	5.87	5.67
Diluted EPS - Continuing Operations	7.7	8.02	5.78	5.87	5.67
Diluted Weighted Average Shares Outstanding	1.22B	1.21B	1.2B	1.23B	1.25B
Normalized Basic EPS	6.33	6.53	4.99	4.95	5.3
Normalized Diluted EPS	6.27	6.48	4.97	4.93	5.29
Dividend Per Share	3.6	4.06	4.18	4.24	4.32
Payout Ratio	47.84	51.61	73.17	73.09	75.43
Supplemental Items
Effective Tax Rate - (Ratio)	22.38	21.33	22.82	20.48	26.18
Current Domestic Taxes	1.9B	2.72B	2.08B	373M	1.9B
Current Foreign Taxes	702M	811M	1.05B	1.22B	1.4B
Total Current Taxes	2.6B	3.53B	3.12B	1.59B	3.3B
Deferred Domestic Taxes	40M	-884M	-878M	569M	-415M
Deferred Foreign Taxes	227M	113M	-20M	-131M	-134M
Total Deferred Taxes	267M	-771M	-898M	438M	-549M
Normalized Net Income	7.69B	7.82B	5.98B	6.07B	6.6B
Non-Cash Pension Expense	74M	29M	-21M	-19M	31M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	298M	415M	421M	464M	503M
Total Stock-Based Compensation	298M	415M	421M	464M	503M

Fiscal Period: October	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	3.97B	5.11B	4.42B	4.08B	3.5B
Investment Securities, Total	282B	343B	400B	410B	415B
Trading Asset Securities, Total	189B	169B	169B	174B	199B
Total investments	471B	512B	569B	584B	614B
Gross Loans	643B	750B	757B	767B	779B
Allowance For Loan Losses	-5.63B	-5.35B	-6.37B	-6.54B	-7.46B
Net Loans	637B	745B	751B	761B	771B
Gross Property Plant And Equipment	11.54B	12.24B	10.52B	10.37B	10.56B
Accumulated Depreciation	-5.92B	-6.54B	-4.88B	-5.12B	-5.67B
Net Property Plant And Equipment	5.62B	5.7B	5.64B	5.25B	4.88B
Goodwill	8.85B	8.87B	9.18B	8.96B	8.58B
Other Intangibles, Total	7.76B	7.96B	8.01B	7.89B	7.58B
Accrued Interest Receivable	2.16B	3.71B	4.91B	5.35B	4.97B
Other Receivables	6.92B	9.67B	9.1B	7.74B	10B
Restricted Cash	5.72B	5.96B	5.76B	5.32B	6.76B
Other Current Assets, Total	27.15B	35.69B	31.82B	12.66B	18.64B
Deferred Tax Assets Long-Term (Collected)	2.05B	1.9B	3.53B	2.94B	3.25B
Other Real Estate Owned And Foreclosed	257M	274M	334M	312M	221M
Other Long-Term Assets, Total	6.62B	7.94B	8.34B	6.92B	6.88B
Total Assets	1,185B	1,349B	1,411B	1,412B	1,460B
Liabilities
Accounts Payable, Total	6.51B	7B	7.82B	8.13B	9.15B
Accrued Expenses, Total	958M	1.96B	1.56B	798M	1.84B
Interest Bearing Deposits	551B	585B	590B	606B	647B
Institutional Deposits	201B	284B	318B	295B	274B
Non-Interest Bearing Deposits	45.4B	46.96B	43.68B	42.52B	44.95B
Total Deposits	797B	916B	952B	944B	966B
Short-Term Borrowings	42.2B	65.9B	58.66B	51.26B	56.03B
Current Portion of Long-Term Debt	127B	143B	165B	197B	200B
Current Portion of Leases	420M	425M	428M	410M	393M
Long-Term Debt	25.67B	27.16B	31.61B	37.25B	43.51B
Long-Term Leases	2.99B	2.9B	2.77B	2.57B	2.56B
Current Income Taxes Payable	1.34B	464M	728M	1.07B	942M
Accrued Interest Payable	1.45B	3.61B	7.59B	7.84B	6.86B
Other Current Liabilities - (Bank / Utility Template)	30.41B	35.71B	34.86B	15.46B	14.96B
Pension & Other Post Retirement Benefits	661M	549M	521M	523M	535M
Deferred Tax Liability Non-Current	1.15B	1.1B	1.45B	1.4B	1.41B
Other Non Current Liabilities	74.29B	68.96B	66.91B	60.01B	66.49B
Total Liabilities	1,112B	1,275B	1,332B	1,328B	1,371B
Preferred Stock Redeemable	800M	300M	300M	-	-
Total Preferred Equity	800M	300M	300M	-	-
Common Stock, Total	18.51B	18.71B	20.11B	22.05B	22.07B
Retained Earnings	51.35B	53.76B	55.75B	57.75B	58.92B
Comprehensive Income and Other	141M	457M	773M	2.56B	5.88B
Total Common Equity	70B	72.92B	76.63B	82.37B	86.87B
Minority Interest	2.09B	1.52B	1.74B	1.71B	1.72B
Total Equity	72.89B	74.75B	78.67B	84.08B	88.59B
Total Liabilities And Equity	1,185B	1,349B	1,411B	1,412B	1,460B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.22B	1.19B	1.21B	1.24B	1.24B
ECS Total Common Shares Outstanding	1.22B	1.19B	1.21B	1.24B	1.24B
Book Value / Share	57.6	61.21	63.12	66.19	70.26
Tangible Book Value	53.4B	56.09B	59.44B	65.52B	70.7B
Tangible Book Value Per Share	43.94	47.08	48.96	52.65	57.18
Average Assets	1,157B	1,282B	1,396B	1,419B	1,465B
Average Loans	622B	700B	762B	756B	769B
Total Debt	198B	239B	258B	289B	303B
Debt Equivalent of Unfunded Proj. Benefit Obligation	120M	-679M	-470M	-369M	-724M
Net Debt	-199B	-165B	-195B	-144B	-158B
Equity Method Investments, Total	2.6B	2.63B	1.92B	1.82B	6.32B
Full Time Employees	89.49K	90.98K	89.48K	88.49K	86.43K
Number Of Offices	2.52K	2.38K	2.38K	2.24K	2.13K

Fiscal Period: October	2021	2022	2023	2024	2025
Net Income	9.62B	9.92B	7.41B	7.76B	7.79B
Depreciation, Depletion & Amortization	769M	749M	801M	730M	683M
Amortization of Goodwill and Intangible Assets - (CF)	103M	97M	157M	72M	93M
Total Depreciation, Depletion & Amortization	872M	846M	958M	802M	776M
Amortization of Deferred Charges, Total	639M	685M	862M	958M	828M
(Gain) Loss On Sale of Asset - (CF)	9M	233M	-367M	136M	1.39B
(Gain) Loss on Sale of Investments - (CF)	-419M	-74M	56M	295M	-71M
Restructuring Activities	-	-	-	-	-
Provision for Credit Losses	1.81B	1.38B	3.42B	4.05B	4.71B
(Income) Loss On Equity Investments - (CF)	-339M	-268M	-153M	-198M	-608M
Stock-Based Compensation (CF)	7M	10M	14M	13M	15M
Change in Trading Asset Securities	-34B	37.5B	-2.69B	-11.37B	-20.46B
Change in Other Net Operating Assets (Collected)	-70.76B	-130B	-1.37B	14.08B	-7B
Other Operating Activities	1.18B	1.15B	4.1B	-52M	-1.49B
Cash from Operations	-91.38B	-78.96B	12.25B	16.47B	-14.13B
Capital Expenditure	-462M	-571M	-442M	-489M	-347M
Sale of Property, Plant, and Equipment	-	-	-	-	-
Cash Acquisitions	-717M	-549M	-	-	-2.64B
Divestitures	-	-	895M	-	-
Investment in Marketable and Equity Securities, Total	16.5B	-8.82B	-29.58B	-5.93B	5.02B
Other Investing Activities, Total	-624M	-1.35B	-911M	-1.03B	-463M
Cash from Investing	14.7B	-11.29B	-30.04B	-7.45B	1.57B
Long-Term Debt Issued, Total	-	3.36B	1.45B	1B	-
Total Debt Issued	-	3.36B	1.45B	1B	-
Long-Term Debt Repaid, Total	-1.09B	-1.6B	-403M	-3.55B	-548M
Total Debt Repaid	-1.09B	-1.6B	-403M	-3.55B	-548M
Issuance of Common Stock	268M	137M	1.4B	1.94B	210M
Repurchase of Common Stock	-	-2.87B	-	-	-895M
Issuance of Preferred Stock	2B	2.52B	-	1B	2.85B
Repurchase of Preferred Stock	-1.26B	-500M	-	-300M	-1.69B
Common Dividends Paid	-4.37B	-4.86B	-5B	-5.2B	-5.37B
Preferred Dividends Paid	-233M	-260M	-419M	-472M	-506M
Common & Preferred Stock Dividends Paid	-4.6B	-5.12B	-5.42B	-5.67B	-5.88B
Net Increase (Decrease) in Deposit Accounts - (CF)	78.57B	95.9B	19.48B	-816M	19.53B
Other Financing Activities, Total	1.91B	-506M	210M	-3.26B	-360M
Cash from Financing	75.79B	91.33B	16.71B	-9.65B	13.22B
Foreign Exchange Rate Adjustments	-543M	301M	190M	-131M	183M
Net Change in Cash	-1.43B	1.37B	-892M	-767M	850M
Supplemental Items
Cash Interest Paid	8.77B	13.34B	34.73B	42.27B	37.2B
Cash Income Tax Paid (Refund)	2.69B	3.5B	2.14B	1.98B	3.58B
Net Debt Issued / Repaid	-1.09B	1.76B	1.04B	-2.55B	-548M

Fiscal Period: October	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.86	0.8	0.55	0.56	0.54
Return On Equity %	13.88	13.78	9.81	9.7	8.99
Return on Common Equity	13.8	13.51	9.35	9.17	8.58
Shareholders Value Added	1.56B	1.44B	-1.41B	-1.7B	-2.27B
Margin Analysis
SG&A Margin	47.11	48.52	54.1	55.28	55.82
Net Interest Income / Total Revenues %	57.62	60.79	62.52	65.3	68.02
EBT Excl. Non-Recurring Items Margin %	43.57	43.39	33.34	33.66	33.21
Income From Continuing Operations Margin %	33.82	34.14	25.73	26.77	24.52
Net Income Margin %	32.7	33.27	25.33	26.31	24.62
Net Avail. For Common Margin %	31.9	32.4	23.9	24.71	22.95
Normalized Net Income Margin	26.11	26.26	20.44	20.58	20.86
Asset quality
Nonperforming Loans / Total Loans %	0.69	0.64	0.76	0.88	0.93
Nonperforming Loans / Total Assets %	0.38	0.35	0.41	0.48	0.5
Nonperforming Assets / Total Assets %	0.4	0.37	0.43	0.5	0.51
NPAs / Loans and OREO	0.73	0.67	0.8	0.92	0.96
NPAs / Equity	6.47	6.77	7.7	8.39	8.43
Allowance for Credit Losses / Net Charge-offs %	167.54	309.85	259.87	185.52	195.98
Allowance for Credit Losses / Nonperforming Loans %	126.26	111.74	111.28	96.99	103.02
Allowance for Credit Losses / Total Loans %	0.88	0.71	0.84	0.85	0.96
Net Charge-offs / Total Average Loans %	0.54	0.25	0.32	0.47	0.5
Provision for Loan Losses / Net Charge-offs %	53.84	80.07	139.56	114.99	123.79
Earning Assets / IBL	108.3	108.3	108.05	108.42	108.04
Interest Income / Average Assets	2.16	2.62	4.07	4.34	3.93
Interest Expense / Average Assets	0.69	1.2	2.76	2.99	2.46
Net Interest Income / Average Assets	1.47	1.41	1.31	1.36	1.47
Non Interest Income / Average Assets	1.23	1.02	1.03	1.01	1.01
Non Interest Expense / Average Asset	1.44	1.32	1.4	1.38	1.44
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.86	5.64	5.42	5.63	5.89
Total Average Equity / Total Average Assets %	6.18	5.83	5.56	5.76	6.01
Total Equity + Allowance for Loan Losses / Total Loans %	11.89	10.47	11	11.59	12.12
Gross Loans / Total Deposits %	80.6	81.9	79.52	81.3	80.57
Net Loans / Total Deposits %	79.9	81.31	78.85	80.61	79.8
Tier 1 Capital Ratio %	13.9	13.2	14.8	15	15.3
Total Capital Ratio %	15.9	15.3	17.2	16.7	17.1
Core Tier 1 Capital Ratio	12.3	11.5	13	13.1	13.2
Tier 2 Capital Ratio	1.97	2.04	2.37	1.77	1.71
Coverage Ratio	126.26	111.74	111.28	96.99	103.02
Interbank Ratio	123.24	120.06	132.16	108.34	114.46
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	9.22	5.88	4.38	4.39	4.96
EBT + Interest Expense / Interest Expense	2.6	1.84	1.25	1.23	1.29
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-2.07	6.8	0.95	5.42	11.79
Non Interest Income, 1 Yr. Growth %	1.9	-8.5	10.09	-0.26	3.86
Provision For Loan Losses, 1 Yr. Growth %	-70.28	-23.56	147.61	18.38	16.37
Total Revenues, 1 Yr. Growth %	16.56	1.24	-1.84	1.11	7.32
Earnings From Cont. Operations, 1 Yr. Growth %	45.26	2.2	-26.01	5.93	-1.7
Net Income, 1 Yr. Growth %	41.99	3.03	-25.27	5.72	0.4
Normalized Net Income, 1 Yr. Growth %	48.58	1.81	-23.6	2.29	8.74
Diluted EPS Before Extra, 1 Yr. Growth %	45.3	4.18	-28	2.75	-3.42
Dividend Per Share, 1 Yr. Growth %	0	12.78	2.96	1.44	1.89
Gross Loans, 1 Yr. Growth %	5.19	16.76	0.93	1.33	1.45
Allowance For Loan Losses, 1 Yr. Growth %	-26.35	-4.94	19.15	2.57	14.18
Net Loans, 1 Yr. Growth %	5.59	16.96	0.8	1.32	1.34
Non Performing Loans, 1 Yr. Growth %	-11.81	7.41	19.64	17.69	7.49
Non Performing Assets, 1 Yr. Growth %	-11.97	7.36	19.76	16.35	5.87
Total Assets, 1 Yr. Growth %	4.26	13.89	4.55	0.07	3.4
Total Deposits, 1 Yr Growth %	6.18	14.92	3.95	-0.89	2.38
Tangible Book Value, 1 Yr. Growth %	8.86	5.05	5.96	10.39	7.91
Average Interest Earning Assets, 1 Yr. Growth %	0.87	10.53	9.16	2.3	2.93
Average Interest Bearing Liabilities, 1 Yr. Growth %	0.32	10.53	9.41	1.96	3.29
Common Equity, 1 Yr. Growth %	5.95	4.18	5.08	7.61	5.46
Total Equity, 1 Yr. Growth %	3.39	2.55	5.24	7.01	5.37
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-0.63	2.27	3.84	3.09	8.56
Non Interest Income, 2 Yr. CAGR %	1.98	-3.44	0.37	4.54	1.78
Provision For Loan Losses, 2 Yr. CAGR %	-22.72	-52.34	37.58	71.21	17.37
Total Revenues, 2 Yr. CAGR %	2.75	8.63	-0.31	-0.54	4.17
Earnings From Cont. Operations, 2 Yr. CAGR %	6.37	21.84	-13.04	-11.93	2.05
Net Income, 2 Yr. CAGR %	7.1	20.95	-12.25	-11.55	3.03
Normalized Net Income, 2 Yr. CAGR %	7.62	22.99	-11.8	-11.93	5.47
Diluted EPS Before Extra, 2 Yr. CAGR %	7.42	23.04	-13.39	-14.43	-0.38
Dividend Per Share, 2 Yr. CAGR %	1.56	6.2	7.75	2.19	1.66
Gross Loans, 2 Yr. CAGR %	3.7	10.83	8.56	1.13	1.39
Allowance For Loan Losses, 2 Yr. CAGR %	5.27	-16.33	6.42	10.55	8.22
Net Loans, 2 Yr. CAGR %	3.69	11.13	8.57	1.06	1.33
Non Performing Loans, 2 Yr. CAGR %	-6.85	-2.68	13.36	18.66	12.48
Non Performing Assets, 2 Yr. CAGR %	-7.49	-2.78	13.39	18.05	10.99
Total Assets, 2 Yr. CAGR %	4.44	8.97	9.12	2.29	1.72
Total Deposits, 2 Yr CAGR %	4.26	10.46	9.29	1.5	0.73
Tangible Book Value, 2 Yr. CAGR %	5.77	6.93	5.5	8.07	9.14
Average Interest Earning Assets, 2 Yr. CAGR %	4.7	5.59	9.84	5.67	2.61
Average Interest Bearing Liabilities, 2 Yr. CAGR %	4.66	5.3	9.97	5.62	2.62
Common Equity, 2 Yr. CAGR %	3.62	5.06	4.63	6.28	6.53
Total Equity, 2 Yr. CAGR %	1.91	2.97	3.89	6.06	6.18
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	1.56	1.79	1.83	4.31	5.91
Non Interest Income, 3 Yr. CAGR %	4.31	-1.64	0.87	0	4.31
Provision For Loan Losses, 3 Yr. CAGR %	-11.53	-23	-17.45	30.85	50.53
Total Revenues, 3 Yr. CAGR %	4	2.24	5.02	0.05	2.02
Earnings From Cont. Operations, 3 Yr. CAGR %	4.5	4.96	3.18	-7.45	-8.64
Net Income, 3 Yr. CAGR %	4.03	5.73	3.02	-6.93	-7.73
Normalized Net Income, 3 Yr. CAGR %	4.34	5.65	4.94	-7.57	-5.52
Diluted EPS Before Extra, 3 Yr. CAGR %	4.15	6.33	2.91	-8.63	-10.91
Dividend Per Share, 3 Yr. CAGR %	3.15	5.17	5.11	5.61	2.09
Gross Loans, 3 Yr. CAGR %	4.89	7.88	7.42	6.09	1.24
Allowance For Loan Losses, 3 Yr. CAGR %	3.56	1.75	-5.87	5.12	11.75
Net Loans, 3 Yr. CAGR %	4.9	7.93	7.57	6.1	1.15
Non Performing Loans, 3 Yr. CAGR %	-4.59	-2.32	4.26	14.78	14.82
Non Performing Assets, 3 Yr. CAGR %	-5.34	-2.78	4.22	14.37	13.84
Total Assets, 3 Yr. CAGR %	5.87	7.5	7.47	6.02	2.66
Total Deposits, 3 Yr CAGR %	5.63	7.7	8.25	5.79	1.79
Tangible Book Value, 3 Yr. CAGR %	5.96	5.53	6.61	7.06	8.02
Average Interest Earning Assets, 3 Yr. CAGR %	7.57	6.61	6.77	7.27	4.75
Average Interest Bearing Liabilities, 3 Yr. CAGR %	6.67	6.58	6.65	7.23	4.84
Common Equity, 3 Yr. CAGR %	3.79	3.8	5.07	5.57	6
Total Equity, 3 Yr. CAGR %	2.5	2.12	3.72	4.87	5.82
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	3.48	3.8	2.46	2.31	4.44
Non Interest Income, 5 Yr. CAGR %	3.44	1.52	2.71	0.79	1.14
Provision For Loan Losses, 5 Yr. CAGR %	-5.6	-9.28	5.56	6	-4.97
Total Revenues, 5 Yr. CAGR %	4.22	3.65	2.26	1.12	4.61
Earnings From Cont. Operations, 5 Yr. CAGR %	6.2	4.3	-2.91	-2.15	2.51
Net Income, 5 Yr. CAGR %	6.22	4.37	-2.82	-1.55	2.82
Normalized Net Income, 5 Yr. CAGR %	6.45	4.82	-2.44	-1.77	4.99
Diluted EPS Before Extra, 5 Yr. CAGR %	5.96	4.34	-3.26	-2.52	1.37
Dividend Per Share, 5 Yr. CAGR %	4.56	5.89	4.97	3.97	3.71
Gross Loans, 5 Yr. CAGR %	5.8	8.08	6.34	5.13	4.97
Allowance For Loan Losses, 5 Yr. CAGR %	3.99	4.33	4.7	5.18	-0.47
Net Loans, 5 Yr. CAGR %	5.82	8.11	6.35	5.13	5.03
Non Performing Loans, 5 Yr. CAGR %	-3.75	-0.33	2.22	5.59	7.47
Non Performing Assets, 5 Yr. CAGR %	-4.06	-0.84	1.75	5.07	6.87
Total Assets, 5 Yr. CAGR %	5.74	8.07	7.16	5.39	5.14
Total Deposits, 5 Yr CAGR %	5.39	7.78	7.08	5.18	5.17
Tangible Book Value, 5 Yr. CAGR %	5.68	4.55	5.78	6.54	7.58
Average Interest Earning Assets, 5 Yr. CAGR %	5.45	7.4	8.47	6.23	5.09
Average Interest Bearing Liabilities, 5 Yr. CAGR %	4.58	6.58	7.98	6.19	5.02
Common Equity, 5 Yr. CAGR %	5.86	5.05	4.13	4.79	5.63
Total Equity, 5 Yr. CAGR %	4.74	3.94	3.05	3.68	4.67