Financial Ratios Banco Santander, S.A.

Equities

SAN

ES0113900J37

Banks

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Published financial data: BANCO SANTANDER, S.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	40.36B	40.47B	59.21B	77.7B	84.31B
Interest Income On Investments	5.77B	6.5B	12.7B	28.12B	29.14B
Interest Income, Total	46.13B	46.98B	71.92B	106B	113B
Interest On Deposits	13.75B	13.09B	32.81B	61.99B	66.07B
Interest Expense, Total	13.75B	13.09B	32.81B	61.99B	66.07B
Net Interest Income	32.38B	33.88B	39.11B	43.83B	47.38B
Income From Trading Activities	3.21B	1.14B	842M	2.32B	1.46B
Gain (Loss) on Sale of Loans	-31M	89M	34M	-3M	-190M
Gain (Loss) on Sale of Assets	-57M	10M	19M	293M	340M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	1.05B	922M	1.24B	166M	1.26B
Income (Loss) on Equity Invest. (Income Block)	-96M	432M	702M	613M	711M
Total Other Non Interest Income	7.76B	9.92B	10.19B	10.45B	12.48B
Non Interest Income, Total	11.84B	12.51B	13.02B	13.84B	16.06B
Revenues Before Provison For Loan Losses	44.22B	46.4B	52.13B	57.67B	63.44B
Provision For Loan Losses	12.38B	7.39B	10.86B	12.91B	12.64B
Total Revenues	31.84B	39.01B	41.27B	44.76B	50.8B
Salaries And Other Employee Benefits	10.78B	11.22B	12.55B	13.73B	14.33B
Amort. of Goodwill & Intang. Assets	2.81B	-	-	-	-
Occupancy Expense	-	2.76B	2.98B	3.18B	3.29B
Selling General & Admin Expenses, Total	7B	6.88B	7.81B	7.94B	7.86B
Total Other Non Interest Expense	2.91B	2.85B	2.46B	3.28B	4.45B
Non Interest Expense, Total	23.51B	23.71B	25.81B	28.13B	29.93B
EBT, Excl. Unusual Items	8.33B	15.3B	15.46B	16.63B	20.87B
Restructuring Charges	-	-530M	-	-	-
Impairment of Goodwill	-10.1B	-6M	-	-20M	-4M
Asset Writedown	-316M	-215M	-215M	-189M	-613M
Other Unusual Items	8M	-	-	39M	-1.22B
EBT, Incl. Unusual Items	-2.08B	14.55B	15.25B	16.46B	19.03B
Income Tax Expense	5.63B	4.89B	4.49B	4.28B	5.28B
Earnings From Continuing Operations	-7.71B	9.65B	10.76B	12.18B	13.74B
Net Income to Company	-7.71B	9.65B	10.76B	12.18B	13.74B
Minority Interest	-1.06B	-1.53B	-1.16B	-1.11B	-1.17B
Net Income - (IS)	-8.77B	8.12B	9.6B	11.08B	12.57B
Preferred Dividend and Other Adjustments	552M	566M	529M	492M	620M
Net Income to Common Incl Extra Items	-9.32B	7.56B	9.08B	10.58B	11.95B
Net Income to Common Excl. Extra Items	-9.32B	7.56B	9.08B	10.58B	11.95B
Per Share Items
Net EPS - Basic	-0.54	0.44	0.54	0.65	0.77
Basic EPS - Continuing Operations	-0.54	0.44	0.54	0.65	0.77
Basic Weighted Average Shares Outstanding	17.32B	17.27B	16.85B	16.17B	15.5B
Net EPS - Diluted	-0.54	0.44	0.54	0.65	0.77
Diluted EPS - Continuing Operations	-0.54	0.44	0.54	0.65	0.77
Diluted Weighted Average Shares Outstanding	17.32B	17.32B	16.9B	16.25B	15.57B
Normalized Basic EPS	0.24	0.47	0.5	0.57	0.77
Normalized Diluted EPS	0.24	0.46	0.5	0.57	0.76
Dividend Per Share	0.13	0.1	0.12	0.18	0.21
Payout Ratio	-	16.16	19.24	20.41	23.99
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	-271.29	33.64	29.42	25.98	27.77
Total Current Taxes	4.21B	3.8B	4.27B	5.57B	4.86B
Total Deferred Taxes	1.42B	1.1B	214M	-1.29B	428M
Normalized Net Income	4.14B	8.03B	8.51B	9.29B	11.87B
Non-Cash Pension Expense	488M	126M	128M	291M	415M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	-	-	-	-	-
Total Stock-Based Compensation	-	-	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	154B	211B	223B	220B	192B
Investment Securities, Total	153B	185B	206B	240B	276B
Trading Asset Securities, Total	180B	136B	167B	188B	240B
Total investments	333B	320B	373B	428B	516B
Gross Loans	956B	1T	1,065B	1,074B	1,056B
Allowance For Loan Losses	-23.6B	-22.96B	-22.68B	-22.79B	-22.12B
Net Loans	932B	977B	1,042B	1,052B	1,034B
Gross Property Plant And Equipment	48.9B	49.6B	51.51B	51.34B	48.62B
Accumulated Depreciation	-17.13B	-17.25B	-18.47B	-18.42B	-17.4B
Net Property Plant And Equipment	31.77B	32.34B	33.04B	32.93B	31.21B
Goodwill	12.47B	12.71B	13.74B	14.02B	13.44B
Other Intangibles, Total	3.44B	3.87B	4.9B	5.85B	5.82B
Investment in Real Estate	963M	979M	1.03B	956M	875M
Other Receivables	8.15B	5.76B	9.2B	10.62B	11.43B
Restricted Cash	-	-	-	-	-
Other Current Assets, Total	369M	3.05B	3.37B	3.16B	4.4B
Deferred Tax Assets Long-Term (Collected)	19.25B	19.44B	20.79B	20.77B	19.17B
Other Real Estate Owned And Foreclosed	4.08B	3.65B	3.1B	2.77B	2.62B
Other Long-Term Assets, Total	8.52B	6.26B	7.38B	6.18B	5.76B
Total Assets	1,508B	1,596B	1,735B	1,797B	1,837B
Liabilities
Accounts Payable, Total	1.18B	1.48B	1.56B	1.78B	1.45B
Accrued Expenses, Total	6.33B	9.1B	10.53B	11.85B	11.72B
Interest Bearing Deposits	402B	394B	444B	463B	448B
Non-Interest Bearing Deposits	632B	711B	718B	697B	707B
Total Deposits	1,034B	1,106B	1,162B	1,160B	1,155B
Short-Term Borrowings	71.85B	59.55B	74.26B	58.57B	62.72B
Current Portion of Long-Term Debt	64.56B	61.91B	81.85B	93.44B	85.53B
Current Portion of Leases	594M	690M	707M	586M	526M
Long-Term Debt	171B	184B	198B	215B	240B
Long-Term Leases	2.46B	2.17B	1.92B	1.81B	1.68B
Current Income Taxes Payable	2.35B	2.19B	3.04B	3.85B	3.32B
Other Current Liabilities - (Bank / Utility Template)	21.92B	32.41B	57.75B	78.7B	102B
Unearned Revenue Non Current	51M	56M	65M	-	-
Pension & Other Post Retirement Benefits	5.73B	4.43B	3.34B	3.1B	2.65B
Deferred Tax Liability Non-Current	5.93B	6.46B	6.43B	6.09B	6.28B
Other Non Current Liabilities	29.29B	28.22B	34.72B	57.59B	56.41B
Total Liabilities	1,417B	1,499B	1,637B	1,693B	1,730B
Common Stock, Total	8.67B	8.67B	8.4B	8.09B	7.58B
Additional Paid In Capital	52.01B	47.98B	46.27B	44.37B	40.08B
Retained Earnings	51.71B	61.51B	68.32B	76.38B	85.56B
Treasury Stock	-69M	-894M	-675M	-1.08B	-68M
Comprehensive Income and Other	-30.85B	-30.34B	-33.21B	-32.34B	-34.55B
Total Common Equity	81.48B	86.93B	89.1B	95.42B	98.6B
Minority Interest	9.85B	10.12B	8.48B	8.82B	8.73B
Total Equity	91.32B	97.05B	97.58B	104B	107B
Total Liabilities And Equity	1,508B	1,596B	1,735B	1,797B	1,837B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	17.31B	17.06B	16.55B	15.89B	15.14B
ECS Total Common Shares Outstanding	17.31B	17.06B	16.55B	15.89B	15.14B
Book Value / Share	4.71	5.09	5.38	6.01	6.51
Tangible Book Value	65.57B	70.35B	70.46B	75.55B	79.34B
Tangible Book Value Per Share	3.79	4.12	4.26	4.76	5.24
Tangible Book Value Per Share (As Reported)	3.79	4.12	4.26	4.76	5.24
Average Assets	1,538B	1,564B	1,720B	1,773B	1,803B
Average Loans	931B	943B	1,031B	1,037B	1,053B
Total Debt	310B	309B	357B	370B	390B
Deposits at Interest - Cash	146B	203B	214B	212B	183B
Debt Equivalent of Unfunded Proj. Benefit Obligation	4.72B	1.86B	1.2B	1.51B	1.42B
Net Debt	-23.93B	-70.95B	-72.23B	-83.08B	-102B
Equity Method Investments, Total	7.62B	7.52B	7.62B	7.65B	7.28B
Full Time Employees	180K	177K	185K	200K	200K
Part Time Employees	8.87K	11.28K	11.12K	7.13K	6.8K
Number Of Offices	11.24K	9.88K	9.02K	8.52K	8.01K
Assets on Operating Lease - Gross	24.14B	24.32B	25.13B	25.3B	23.36B
Assets on Operating Lease - Accumulated Depreciation	-5.58B	-5.24B	-5.58B	-5.78B	-4.78B

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	-8.77B	8.12B	9.6B	11.08B	12.57B
Depreciation, Depletion & Amortization	1.91B	1.74B	1.83B	1.76B	1.61B
Amortization of Goodwill and Intangible Assets - (CF)	104M	91M	127M	135M	137M
Total Depreciation, Depletion & Amortization	2.02B	1.83B	1.96B	1.89B	1.75B
Amortization of Deferred Charges, Total	792M	922M	1.02B	1.29B	1.55B
Change in Trading Asset Securities	-8.62B	39.83B	-1.4B	-14.74B	-70.84B
Change in Other Net Operating Assets (Collected)	47.6B	-10.15B	-134M	-14.17B	10.46B
Other Operating Activities	33.14B	16.12B	16.65B	19.66B	20.36B
Cash from Operations	66.15B	56.69B	27.71B	5.02B	-24.16B
Capital Expenditure	-7.39B	-10.02B	-9.07B	-11.45B	-8.49B
Sale of Property, Plant, and Equipment	2.8B	7.28B	6.61B	7.99B	6.95B
Cash Acquisitions	-2.93B	-140M	-784M	-1.27B	-71M
Divestitures	1.78B	6M	734M	885M	8M
Purchase / Sale of Intangible Assets	-1.13B	-1.39B	-1.77B	-2.2B	-2.1B
Investment in Marketable and Equity Securities, Total	-343M	546M	381M	675M	-5M
Other Investing Activities, Total	-	-	-	-	-
Cash from Investing	-7.22B	-3.72B	-3.9B	-5.37B	-3.71B
Long-Term Debt Issued, Total	4.1B	5.34B	119M	7.01B	7B
Total Debt Issued	4.1B	5.34B	119M	7.01B	7B
Long-Term Debt Repaid, Total	-3.78B	-2.68B	-2.29B	-2.93B	-4.1B
Total Debt Repaid	-3.78B	-2.68B	-2.29B	-2.93B	-4.1B
Issuance of Common Stock	721M	854M	573M	825M	765M
Repurchase of Common Stock	-758M	-1.64B	-2.05B	-3.11B	-4.79B
Common Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-	-1.31B	-1.85B	-2.26B	-3.02B
Common & Preferred Stock Dividends Paid	-	-1.31B	-1.85B	-2.26B	-3.02B
Other Financing Activities, Total	-2.19B	-1.87B	-4.47B	-1.59B	-1.37B
Cash from Financing	-1.91B	-1.32B	-9.96B	-2.06B	-5.51B
Foreign Exchange Rate Adjustments	-4.25B	5.2B	-1.46B	-322M	5.24B
Net Change in Cash	52.77B	56.85B	12.38B	-2.73B	-28.13B
Supplemental Items
Cash Interest Paid	-	-	-	-	61.09B
Cash Income Tax Paid (Refund)	2.95B	4.01B	5.5B	5.21B	5.88B
Net Debt Issued / Repaid	315M	2.66B	-2.17B	4.08B	2.9B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	-0.51	0.62	0.65	0.69	0.76
Return On Equity %	-7.63	10.25	11.06	12.07	12.99
Return on Common Equity	-10.27	8.98	10.31	11.47	12.32
Shareholders Value Added	-19.56B	-1.56B	-830M	139M	1.07B
Margin Analysis
SG&A Margin	55.86	53.47	56.56	55.53	50.16
Net Interest Income / Total Revenues %	101.71	86.86	94.75	97.93	93.28
EBT Excl. Non-Recurring Items Margin %	26.17	39.22	37.47	37.15	41.08
Income From Continuing Operations Margin %	-24.21	24.75	26.08	27.22	27.06
Net Income Margin %	-27.55	20.83	23.27	24.75	24.75
Net Avail. For Common Margin %	-29.28	19.38	21.99	23.65	23.53
Normalized Net Income Margin	13.02	20.59	20.61	20.75	23.37
Asset quality
Nonperforming Loans / Total Loans %	3.32	3.32	3.26	3.32	3.34
Nonperforming Loans / Total Assets %	2.11	2.08	2	1.98	1.92
Nonperforming Assets / Total Assets %	2.38	2.31	2.18	2.14	2.06
NPAs / Loans and OREO	3.73	3.68	3.54	3.56	3.58
NPAs / Equity	39.25	38	38.71	36.83	35.3
Allowance for Credit Losses / Net Charge-offs %	306.07	298	210.5	185.95	190.62
Allowance for Credit Losses / Nonperforming Loans %	74.28	69.1	65.42	63.98	62.74
Allowance for Credit Losses / Total Loans %	2.47	2.3	2.13	2.12	2.09
Net Charge-offs / Total Average Loans %	0.83	0.82	1.04	1.18	1.1
Provision for Loan Losses / Net Charge-offs %	160.62	95.87	100.74	105.36	108.93
Earning Assets / IBL	103.44	104.11	104.26	104.91	105.18
Interest Income / Average Assets	3	3	4.18	5.97	6.29
Interest Expense / Average Assets	0.89	0.84	1.91	3.5	3.66
Net Interest Income / Average Assets	2.11	2.17	2.27	2.47	2.63
Non Interest Income / Average Assets	0.77	0.8	0.76	0.78	0.89
Non Interest Expense / Average Asset	1.53	1.52	1.5	1.59	1.66
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.99	5.43	5.29	5.22	5.34
Total Average Equity / Total Average Assets %	6.66	6.07	5.84	5.71	5.82
Total Equity + Allowance for Loan Losses / Total Loans %	10.99	10.99	10.5	11	11.43
Gross Loans / Total Deposits %	92.45	90.39	91.61	92.6	91.44
Net Loans / Total Deposits %	90.17	88.31	89.66	90.64	89.53
Tier 1 Capital Ratio %	13.95	14.24	13.63	13.75	14.44
Total Capital Ratio %	16.18	16.81	15.99	16.39	17.39
Core Tier 1 Capital Ratio	12.34	12.51	12.18	12.3	12.78
Tier 2 Capital Ratio	2.23	2.57	2.36	2.64	2.95
Coverage Ratio	76.57	72.57	68.97	66.84	65.59
Interbank Ratio	60.42	74.99	67.83	71.29	61.7
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	0.85	2.11	1.46	1.27	1.29
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-9.58	4.63	15.42	12.08	8.1
Non Interest Income, 1 Yr. Growth %	-18.21	5.87	4.08	6.28	8.1
Provision For Loan Losses, 1 Yr. Growth %	32.4	-40.24	46.94	18.94	-2.08
Total Revenues, 1 Yr. Growth %	-22.22	22.51	5.81	8.45	10.97
Earnings From Cont. Operations, 1 Yr. Growth %	-194.97	-225.23	11.51	13.18	12.81
Net Income, 1 Yr. Growth %	-234.63	-192.62	18.23	15.31	13.52
Normalized Net Income, 1 Yr. Growth %	-42.79	65.93	5.91	9.16	19.68
Diluted EPS Before Extra, 1 Yr. Growth %	-255.61	-180.98	23.17	21.23	17.97
Dividend Per Share, 1 Yr. Growth %	33.09	-21.57	17.8	49.41	19.32
Gross Loans, 1 Yr. Growth %	-3.24	7.54	6.54	0.9	-1.68
Allowance For Loan Losses, 1 Yr. Growth %	6.08	-2.67	-1.22	0.46	-2.91
Net Loans, 1 Yr. Growth %	-3.46	7.81	6.72	0.91	-1.65
Non Performing Loans, 1 Yr. Growth %	-6.01	4.62	4.33	2.73	-1
Non Performing Assets, 1 Yr. Growth %	-6.36	2.89	2.41	1.64	-1.32
Total Assets, 1 Yr. Growth %	-0.95	5.81	8.7	3.6	2.23
Total Deposits, 1 Yr Growth %	3.45	6.95	5.11	1.18	-0.44
Tangible Book Value, 1 Yr. Growth %	-9.42	7.29	0.16	7.23	5.02
Average Interest Earning Assets, 1 Yr. Growth %	1.71	4.36	10.3	3.46	2.19
Average Interest Bearing Liabilities, 1 Yr. Growth %	2.41	3.7	9.56	2.76	1.93
Common Equity, 1 Yr. Growth %	-18.58	6.69	2.5	7.09	3.33
Total Equity, 1 Yr. Growth %	-17.47	6.28	0.55	6.82	2.96
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-3.41	-2.74	9.89	13.74	10.07
Non Interest Income, 2 Yr. CAGR %	-6.71	-6.98	4.97	5.17	8.28
Provision For Loan Losses, 2 Yr. CAGR %	17.38	-11.06	-6.29	32.2	7.92
Total Revenues, 2 Yr. CAGR %	-10.02	-2.38	13.85	7.12	10.04
Earnings From Cont. Operations, 2 Yr. CAGR %	-9.03	9.06	18.17	12.34	13
Net Income, 2 Yr. CAGR %	5.97	11.67	4.65	16.76	14.42
Normalized Net Income, 2 Yr. CAGR %	-25.43	1.58	32.56	7.52	15.32
Diluted EPS Before Extra, 2 Yr. CAGR %	12.03	12.25	-0.13	22.19	19.59
Dividend Per Share, 2 Yr. CAGR %	-17.41	2.17	-3.88	32.66	33.52
Gross Loans, 2 Yr. CAGR %	2.15	2.76	7.04	3.68	-0.4
Allowance For Loan Losses, 2 Yr. CAGR %	0.62	1.61	-1.95	-0.38	-1.24
Net Loans, 2 Yr. CAGR %	2.19	2.78	7.26	3.77	-0.38
Non Performing Loans, 2 Yr. CAGR %	-5.66	-0.84	4.47	3.53	0.85
Non Performing Assets, 2 Yr. CAGR %	-6.52	-1.84	2.65	2.02	0.15
Total Assets, 2 Yr. CAGR %	1.66	2.37	7.24	6.12	2.91
Total Deposits, 2 Yr CAGR %	3.33	5.18	6.03	3.27	0.37
Tangible Book Value, 2 Yr. CAGR %	-1.74	-1.42	3.66	3.63	6.12
Average Interest Earning Assets, 2 Yr. CAGR %	-	-	-	6.82	-
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	-	-	6.1	-
Common Equity, 2 Yr. CAGR %	-8.1	-6.8	4.58	4.77	5.19
Total Equity, 2 Yr. CAGR %	-7.77	-6.35	3.37	3.64	4.87
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-2.26	-0.8	2.97	10.62	11.83
Non Interest Income, 3 Yr. CAGR %	-5.36	-2.74	-3.43	5.41	8.68
Provision For Loan Losses, 3 Yr. CAGR %	10.24	-6.32	5.14	1.46	19.62
Total Revenues, 3 Yr. CAGR %	-6.86	-0.27	0.27	12.02	9.2
Earnings From Cont. Operations, 3 Yr. CAGR %	-2.07	1.2	9.87	16.49	12.5
Net Income, 3 Yr. CAGR %	9.84	1.32	13.81	8.09	15.67
Normalized Net Income, 3 Yr. CAGR %	-14.73	2.52	3	24.25	13.91
Diluted EPS Before Extra, 3 Yr. CAGR %	11.71	0.54	15.78	6.54	20.77
Dividend Per Share, 3 Yr. CAGR %	-9.58	-18.82	7.13	11.34	28.06
Gross Loans, 3 Yr. CAGR %	2.67	2.95	4	4.95	1.86
Allowance For Loan Losses, 3 Yr. CAGR %	-0.47	-0.49	0.66	-1.15	-1.23
Net Loans, 3 Yr. CAGR %	2.76	3.04	4.08	5.1	1.93
Non Performing Loans, 3 Yr. CAGR %	-5.46	-2.35	0.85	3.89	2
Non Performing Assets, 3 Yr. CAGR %	-9.99	-3.48	-0.45	2.31	0.9
Total Assets, 3 Yr. CAGR %	1.45	3.03	4.44	6.01	4.8
Total Deposits, 3 Yr CAGR %	3.25	4.52	5.16	3.92	2.02
Tangible Book Value, 3 Yr. CAGR %	-0.12	1.18	-0.89	4.84	4.09
Average Interest Earning Assets, 3 Yr. CAGR %	-	-	-	-	5.26
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	-	-	-	4.69
Common Equity, 3 Yr. CAGR %	-4.82	-3.41	-3.8	5.41	4.29
Total Equity, 3 Yr. CAGR %	-5.09	-3.31	-4.1	4.51	3.41
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-0.54	1.47	2.43	4.78	5.76
Non Interest Income, 5 Yr. CAGR %	-0.45	-0.03	-1.39	0.35	2.12
Provision For Loan Losses, 5 Yr. CAGR %	3.97	-5.02	3.27	7.52	6.24
Total Revenues, 5 Yr. CAGR %	-1.98	2.5	0.93	2.62	4.41
Earnings From Cont. Operations, 5 Yr. CAGR %	1	5.22	5.57	5.52	11.11
Net Income, 5 Yr. CAGR %	8.01	5.54	7.73	7.24	14.05
Normalized Net Income, 5 Yr. CAGR %	-3.45	7.84	4.94	4.49	8.81
Diluted EPS Before Extra, 5 Yr. CAGR %	7.25	2.66	6.82	8.7	17.29
Dividend Per Share, 5 Yr. CAGR %	-7.83	-8.75	-7.34	-1.19	17
Gross Loans, 5 Yr. CAGR %	2.76	3.96	3.81	3.24	2.22
Allowance For Loan Losses, 5 Yr. CAGR %	-2.31	-1.2	-1.07	-0.45	-0.11
Net Loans, 5 Yr. CAGR %	2.91	4.1	3.94	3.33	2.27
Non Performing Loans, 5 Yr. CAGR %	-2.54	-0.24	-1.61	-0.04	0.85
Non Performing Assets, 5 Yr. CAGR %	-2.96	-1.25	-5.13	-1.32	-0.21
Total Assets, 5 Yr. CAGR %	2.39	3.57	3.73	4.25	3.83
Total Deposits, 5 Yr CAGR %	4.07	5.93	4.35	3.68	2.94
Tangible Book Value, 5 Yr. CAGR %	2.27	2.72	1.38	2.16	1.85
Common Equity, 5 Yr. CAGR %	-1.54	-0.9	-1.17	-0.22	-0.3
Total Equity, 5 Yr. CAGR %	-1.55	-1.12	-1.79	-0.59	-0.61