Cash flow Canadian Imperial Bank of Commerce

Equities

CM

CA1360691010

Banks

Market Closed - Toronto S.E. Other stock markets 04:26:23 2025-11-17 pm EST			5-day change	1st Jan Change
122.05 ^CAD	-0.18%		+1.64%	+34.22%

Nov. 14	CIBC Sees USD/CAD Gradually Lowering Into 2026; RBC Flags Range-Bound Trade	MT
Nov. 14	CIBC's Week Ahead Market Call For Canada	MT

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Published financial data: CANADIAN IMPERIAL BANK OF COMMERCE

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: October	2020	2021	2022	2023	2024
Interest Income On Loans	13.86B	12.15B	16.87B	30.24B	33.92B
Interest Income On Investments	3.66B	2.59B	5.3B	14.78B	18.26B
Interest Income, Total	17.52B	14.74B	22.18B	45.02B	52.18B
Interest On Deposits	5.33B	2.65B	7.89B	26.63B	30.48B
Total Interest On Borrowings	1.15B	631M	1.65B	5.56B	8.01B
Interest Expense, Total	6.48B	3.28B	9.54B	32.19B	38.49B
Net Interest Income	11.04B	11.46B	12.64B	12.82B	13.7B
Service Charges On Deposits	781M	797M	880M	924M	958M
Trust Income	1.38B	1.62B	1.76B	1.77B	1.98B
Income From Trading Activities	-	-	-	-	-
Gain (Loss) on Sale of Assets	-4M	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	9M	90M	35M	83M	43M
Income (Loss) on Equity Invest. (Income Block)	79M	55M	47M	30M	79M
Total Other Non Interest Income	5.45B	5.99B	6.47B	7.69B	8.85B
Non Interest Income, Total	7.7B	8.56B	9.19B	10.5B	11.91B
Revenues Before Provison For Loan Losses	18.74B	20.02B	21.83B	23.32B	25.61B
Provision For Loan Losses	2.49B	158M	1.06B	2.01B	2B
Total Revenues	16.25B	19.86B	20.78B	21.31B	23.6B
Salaries And Other Employee Benefits	5.48B	5.38B	6.74B	7.2B	6.67B
Stock-Based Compensation (IS)	-	14M	-4M	-1M	14M
Selling General & Admin Expenses, Total	4.1B	4.74B	4.53B	4.55B	6.1B
Total Other Non Interest Expense	1.1B	1.13B	1.36B	1.53B	1.61B
Non Interest Expense, Total	10.69B	11.26B	12.62B	13.29B	14.4B
EBT, Excl. Unusual Items	5.57B	8.59B	8.16B	8.02B	9.2B
Restructuring Charges	-339M	-109M	-37M	-	-
Impairment of Goodwill	-248M	-	-	-	-
Legal Settlements	-89M	-163M	-146M	-1.06B	-38M
Other Unusual Items	-	-	-1M	2M	-
EBT, Incl. Unusual Items	4.89B	8.32B	7.97B	6.96B	9.17B
Income Tax Expense	1.1B	1.88B	1.73B	1.93B	2.01B
Earnings From Continuing Operations	3.79B	6.45B	6.24B	5.03B	7.15B
Net Income to Company	3.79B	6.45B	6.24B	5.03B	7.15B
Minority Interest	-2M	-17M	-23M	-38M	-39M
Net Income - (IS)	3.79B	6.43B	6.22B	5B	7.12B
Preferred Dividend and Other Adjustments	122M	158M	171M	267M	263M
Net Income to Common Incl Extra Items	3.67B	6.27B	6.05B	4.73B	6.85B
Net Income to Common Excl. Extra Items	3.67B	6.27B	6.05B	4.73B	6.85B
Per Share Items
Net EPS - Basic	4.12	6.98	6.7	5.16	7.29
Basic EPS - Continuing Operations	4.12	6.98	6.7	5.16	7.29
Basic Weighted Average Shares Outstanding	891M	898M	903M	916M	939M
Net EPS - Diluted	4.11	6.96	6.68	5.16	7.28
Diluted EPS - Continuing Operations	4.11	6.96	6.68	5.16	7.28
Diluted Weighted Average Shares Outstanding	892M	900M	906M	916M	942M
Normalized Basic EPS	3.9	5.96	5.62	5.44	6.08
Normalized Diluted EPS	3.9	5.95	5.6	5.43	6.07
Dividend Per Share	2.91	2.92	3.27	3.44	3.6
Payout Ratio	67.84	41.2	47.78	45.27	41.42
Supplemental Items
Effective Tax Rate - (Ratio)	22.45	22.54	21.7	27.73	21.95
Total Current Taxes	1.33B	1.92B	1.78B	2.02B	2.26B
Total Deferred Taxes	-228M	-41M	-46M	-87M	-244M
Normalized Net Income	3.48B	5.35B	5.08B	4.98B	5.71B
Non-Cash Pension Expense	-12M	-8M	-47M	-139M	-54M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	437M	1.08B	420M	348M	1.59B
Stock-Based Comp., Other (Total)	-	14M	-4M	-1M	14M
Total Stock-Based Compensation	437M	1.09B	416M	347M	1.61B

Fiscal Period: October	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	43.07B	34.13B	31.04B	20.32B	8.1B
Investment Securities, Total	165B	175B	206B	238B	264B
Trading Asset Securities, Total	95.42B	108B	110B	116B	142B
Mortgage Backed Securities	6.32B	4.96B	4.8B	6.17B	8.77B
Total investments	267B	288B	321B	360B	415B
Gross Loans	412B	456B	522B	535B	564B
Allowance For Loan Losses	-3.54B	-2.85B	-3.07B	-3.9B	-3.92B
Other Adjustments to Gross Loans	-530M	-591M	-689M	-706M	-815M
Net Loans	408B	453B	518B	530B	559B
Gross Property Plant And Equipment	5.89B	6.42B	6.92B	7B	7.48B
Accumulated Depreciation	-2.89B	-3.14B	-3.55B	-3.75B	-4.12B
Net Property Plant And Equipment	3B	3.29B	3.38B	3.25B	3.36B
Goodwill	5.25B	4.95B	5.35B	5.42B	5.44B
Other Intangibles, Total	1.96B	2.03B	2.59B	2.74B	2.83B
Accrued Interest Receivable	1.32B	1.27B	2.23B	3.5B	4.21B
Other Receivables	2.72B	2.54B	3.89B	3.58B	3.85B
Restricted Cash	13.96B	19.41B	29.46B	21.99B	24.56B
Other Current Assets, Total	12.89B	14.54B	14.53B	13.9B	4.79B
Deferred Tax Assets Long-Term (Collected)	650M	402M	480M	629M	821M
Other Real Estate Owned And Foreclosed	23M	18M	24M	13M	8M
Other Long-Term Assets, Total	10.16B	14.55B	11.76B	10.01B	10.32B
Total Assets	770B	838B	944B	976B	1,042B
Liabilities
Accounts Payable, Total	2.15B	2.26B	2.61B	2.8B	3.2B
Accrued Expenses, Total	2.17B	2.96B	2.74B	2.58B	3.9B
Interest Bearing Deposits	440B	462B	534B	571B	590B
Non-Interest Bearing Deposits	90.75B	116B	117B	103B	103B
Total Deposits	530B	578B	652B	674B	693B
Short-Term Borrowings	48.54B	57.64B	72.51B	68.04B	70.29B
Current Portion of Long-Term Debt	78.28B	81.97B	85.61B	89.39B	117B
Current Portion of Leases	354M	363M	344M	331M	346M
Long-Term Debt	39.29B	38.06B	43.59B	53.69B	72.33B
Long-Term Leases	1.51B	1.77B	1.83B	1.69B	1.68B
Accrued Interest Payable	1.2B	781M	2.01B	4.53B	4.98B
Other Current Liabilities - (Bank / Utility Template)	14.42B	17.62B	17.5B	14.2B	4.46B
Pension & Other Post Retirement Benefits	676M	602M	477M	462M	460M
Deferred Tax Liability Non-Current	33M	38M	45M	40M	49M
Other Non Current Liabilities	9.29B	9.52B	12.15B	10.86B	11.12B
Total Liabilities	728B	792B	893B	923B	983B
Preferred Stock Convertible	2.82B	2.82B	2.62B	2.62B	2.15B
Preferred Stock - Others	-	-	-2M	-	-
Total Preferred Equity	2.82B	2.82B	2.62B	2.62B	2.15B
Common Stock, Total	13.91B	14.35B	14.72B	16.08B	17.1B
Additional Paid In Capital	117M	110M	115M	109M	159M
Retained Earnings	22.12B	25.79B	28.82B	30.4B	33.47B
Treasury Stock	-	-	-	-2M	-
Comprehensive Income and Other	2.18B	2.57B	3.9B	3.76B	5.86B
Total Common Equity	38.33B	42.82B	47.56B	50.36B	56.59B
Minority Interest	181M	182M	201M	232M	272M
Total Equity	41.34B	45.83B	50.38B	53.21B	59.01B
Total Liabilities And Equity	770B	838B	944B	976B	1,042B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	894M	902M	906M	931M	942M
ECS Total Common Shares Outstanding	894M	902M	906M	931M	942M
Book Value / Share	42.88	47.49	52.5	54.08	60.06
Tangible Book Value	31.12B	35.84B	39.62B	42.19B	48.32B
Tangible Book Value Per Share	34.81	39.75	43.73	45.31	51.28
Average Assets	735B	810B	900B	948B	1,005B
Average Loans	401B	424B	489B	524B	538B
Total Debt	168B	180B	204B	213B	262B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-202M	-1.34B	-1.4B	-1.03B	-1.38B
Net Debt	-55.09B	-52.48B	-39.03B	-38.24B	-11.9B
Equity Method Investments, Total	658M	658M	632M	669M	785M
Full Time Employees	43.85K	45.28K	50.43K	48.07K	48.52K

Fiscal Period: October	2020	2021	2022	2023	2024
Net Income	3.79B	6.43B	6.22B	5B	7.12B
Depreciation, Depletion & Amortization	587M	530M	522M	545M	549M
Amortization of Goodwill and Intangible Assets - (CF)	105M	79M	98M	100M	60M
Total Depreciation, Depletion & Amortization	692M	609M	620M	645M	609M
Amortization of Deferred Charges, Total	371M	408M	427M	498M	561M
(Gain) Loss On Sale of Asset - (CF)	4M	-	-6M	-3M	-1M
(Gain) Loss on Sale of Investments - (CF)	-9M	-90M	-35M	-83M	-43M
Total Asset Writedown	248M	-	-	-	-
Provision for Credit Losses	2.49B	158M	1.06B	2.01B	2B
Stock-Based Compensation (CF)	14M	19M	24M	13M	16M
Change in Trading Asset Securities	-17.13B	-12.72B	-2.12B	-5.6B	-26.56B
Changes in Accrued Interest Receivable	97M	46M	-959M	-1.27B	-711M
Changes in Accrued Interest Payable	-238M	-419M	1.23B	2.52B	452M
Change In Income Taxes	1.29B	543M	-809M	361M	-257M
Change in Other Net Operating Assets (Collected)	-12.45B	-46.74B	-56.29B	-10.75B	-4.54B
Other Operating Activities	-993M	903M	-1.15B	1.77B	-2.03B
Cash from Operations	-21.82B	-50.85B	-51.8B	-4.89B	-23.38B
Capital Expenditure	-309M	-839M	-1.11B	-1.01B	-1.09B
Sale of Property, Plant, and Equipment	-	-	-	-	-
Cash Acquisitions	-	-	-3.08B	-	-
Investment in Marketable and Equity Securities, Total	-19.1B	-2.67B	-20.2B	-19.75B	-19.66B
Cash from Investing	-19.41B	-3.51B	-24.39B	-20.76B	-20.75B
Long-Term Debt Issued, Total	1B	1B	1B	1.75B	2.25B
Total Debt Issued	1B	1B	1B	1.75B	2.25B
Long-Term Debt Repaid, Total	-340M	-1.31B	-328M	-1.83B	-1.82B
Total Debt Repaid	-340M	-1.31B	-328M	-1.83B	-1.82B
Issuance of Common Stock	177M	284M	229M	183M	312M
Repurchase of Common Stock	-234M	-15M	-134M	-	-423M
Issuance of Preferred Stock	747M	748M	1.4B	-	996M
Repurchase of Preferred Stock	-	-	-800M	-	-975M
Common Dividends Paid	-	-	-	-	-
Preferred Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-2.57B	-2.65B	-2.97B	-2.26B	-2.95B
Common & Preferred Stock Dividends Paid	-2.57B	-2.65B	-2.97B	-2.26B	-2.95B
Net Increase (Decrease) in Deposit Accounts - (CF)	82.12B	47.52B	74.51B	17.04B	34.47B
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	80.9B	45.58B	72.9B	14.89B	31.86B
Foreign Exchange Rate Adjustments	25M	-	248M	49M	22M
Miscellaneous Cash Flow Adjustments	-	-175M	-	-	-
Net Change in Cash	39.69B	-8.96B	-3.04B	-10.72B	-12.25B
Supplemental Items
Cash Interest Paid	6.72B	3.7B	8.31B	29.67B	38.04B
Cash Income Tax Paid (Refund)	39M	1.37B	2.58B	1.66B	2.51B
Net Debt Issued / Repaid	660M	-313M	672M	-81M	427M

Fiscal Period: October	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.53	0.8	0.7	0.52	0.71
Return On Equity %	9.49	14.79	12.98	9.72	12.76
Return on Common Equity	9.93	15.45	13.39	9.66	12.82
Shareholders Value Added	-327M	1.71B	918M	-780M	761M
Margin Analysis
SG&A Margin	58.98	50.96	54.24	55.15	54.11
Net Interest Income / Total Revenues %	67.95	57.71	60.84	60.17	58.02
EBT Excl. Non-Recurring Items Margin %	34.25	43.28	39.26	37.65	38.99
Income From Continuing Operations Margin %	23.33	32.46	30.05	23.61	30.31
Net Income Margin %	23.32	32.38	29.94	23.44	30.14
Net Avail. For Common Margin %	22.57	31.58	29.12	22.18	29.03
Normalized Net Income Margin	21.39	26.96	24.43	23.35	24.2
Asset quality
Nonperforming Loans / Total Loans %	0.57	0.4	0.33	0.56	0.52
Nonperforming Loans / Total Assets %	0.31	0.22	0.18	0.31	0.28
Nonperforming Assets / Total Assets %	0.31	0.22	0.19	0.31	0.28
NPAs / Loans and OREO	0.58	0.41	0.34	0.56	0.52
NPAs / Equity	5.74	4.04	3.51	5.64	4.95
Allowance for Credit Losses / Net Charge-offs %	476.45	365.26	378.45	343.49	205.72
Allowance for Credit Losses / Nonperforming Loans %	150.7	155.43	176.31	130.5	134.42
Allowance for Credit Losses / Total Loans %	0.86	0.62	0.59	0.73	0.69
Net Charge-offs / Total Average Loans %	0.19	0.18	0.17	0.22	0.35
Provision for Loan Losses / Net Charge-offs %	334.99	20.26	130.17	176.94	105.09
Earning Assets / IBL	100.49	99.81	99.86	101.94	102.57
Interest Income / Average Assets	2.38	1.82	2.46	4.75	5.19
Interest Expense / Average Assets	0.88	0.41	1.06	3.4	3.83
Net Interest Income / Average Assets	1.5	1.42	1.4	1.35	1.36
Non Interest Income / Average Assets	1.05	1.06	1.02	1.11	1.18
Non Interest Expense / Average Asset	1.45	1.39	1.4	1.4	1.43
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.2	5.05	5.07	5.1	5.3
Total Average Equity / Total Average Assets %	5.62	5.42	5.4	5.4	5.56
Total Equity + Allowance for Loan Losses / Total Loans %	10.86	10.63	10.21	10.64	11.12
Gross Loans / Total Deposits %	77.62	78.86	80.02	79.33	81.35
Net Loans / Total Deposits %	76.85	78.27	79.44	78.65	80.66
Tier 1 Capital Ratio %	13.6	14.1	13.3	13.9	14.8
Total Capital Ratio %	16.1	16.2	15.3	16	17
Core Tier 1 Capital Ratio	12.1	12.4	11.7	12.4	13.3
Tier 2 Capital Ratio	2.43	2.15	2	2.1	2.2
Coverage Ratio	150.7	155.43	176.31	130.5	134.42
Interbank Ratio	95.4	134.73	101.85	105.18	94.67
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	5.24	14.19	5.83	2.25	2.14
EBT + Interest Expense / Interest Expense	1.75	3.54	1.84	1.22	1.24
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	4.67	3.76	10.32	1.46	6.78
Non Interest Income, 1 Yr. Growth %	-4.5	11.16	7.43	14.21	13.36
Provision For Loan Losses, 1 Yr. Growth %	93.55	-93.65	568.99	90.16	-0.45
Total Revenues, 1 Yr. Growth %	-6.19	22.18	4.63	2.58	10.71
Earnings From Cont. Operations, 1 Yr. Growth %	-25.95	69.99	-3.15	-19.38	41.97
Net Income, 1 Yr. Growth %	-25.63	69.63	-3.25	-19.69	42.27
Normalized Net Income, 1 Yr. Growth %	-15.7	50.91	-5.21	-1.92	14.65
Diluted EPS Before Extra, 1 Yr. Growth %	-26.54	69.46	-4.02	-22.75	40.81
Dividend Per Share, 1 Yr. Growth %	3.93	0.34	11.99	5.2	4.65
Gross Loans, 1 Yr. Growth %	5.18	10.79	14.37	2.51	5.43
Allowance For Loan Losses, 1 Yr. Growth %	84.86	-19.52	7.86	26.98	0.38
Net Loans, 1 Yr. Growth %	4.78	11.06	14.41	2.36	5.45
Non Performing Loans, 1 Yr. Growth %	25.88	-21.97	-4.91	71.54	-2.54
Non Performing Assets, 1 Yr. Growth %	25.44	-21.96	-4.54	69.95	-2.7
Total Assets, 1 Yr. Growth %	18.1	8.85	12.64	3.4	6.79
Total Deposits, 1 Yr Growth %	18.76	9.05	12.72	3.39	5.1
Tangible Book Value, 1 Yr. Growth %	10.53	15.19	10.54	6.49	14.66
Average Interest Earning Assets, 1 Yr. Growth %	14.23	10.33	10.74	7.75	7.95
Average Interest Bearing Liabilities, 1 Yr. Growth %	14.73	11.08	10.68	5.55	7.29
Common Equity, 1 Yr. Growth %	7.76	11.72	11.06	5.88	12.49
Total Equity, 1 Yr. Growth %	7.14	10.87	9.93	5.62	10.99
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	4.75	4.21	6.99	5.79	4.09
Non Interest Income, 2 Yr. CAGR %	-0.46	3.03	9.28	10.77	13.83
Provision For Loan Losses, 2 Yr. CAGR %	69.14	-64.95	-34.83	256.67	37.59
Total Revenues, 2 Yr. CAGR %	-2.12	7.06	13.06	3.6	6.59
Earnings From Cont. Operations, 2 Yr. CAGR %	-15.29	12.19	28.31	-11.64	7.05
Net Income, 2 Yr. CAGR %	-15.17	12.32	28.11	-11.86	6.95
Normalized Net Income, 2 Yr. CAGR %	-8.74	14.24	19.6	-3.58	6.1
Diluted EPS Before Extra, 2 Yr. CAGR %	-16	11.57	27.49	-13.9	4.39
Dividend Per Share, 2 Yr. CAGR %	4.59	2.12	6.01	8.54	4.92
Gross Loans, 2 Yr. CAGR %	4.98	7.95	12.57	8.27	3.96
Allowance For Loan Losses, 2 Yr. CAGR %	46.96	21.97	-6.83	17.03	12.9
Net Loans, 2 Yr. CAGR %	4.75	7.87	12.72	8.22	3.9
Non Performing Loans, 2 Yr. CAGR %	25.98	-0.89	-13.86	27.72	29.3
Non Performing Assets, 2 Yr. CAGR %	26	-1.06	-13.69	27.37	28.59
Total Assets, 2 Yr. CAGR %	13.53	13.38	10.73	7.93	5.08
Total Deposits, 2 Yr CAGR %	12.79	13.8	10.87	7.95	3.1
Tangible Book Value, 2 Yr. CAGR %	11.15	12.83	12.84	8.5	10.43
Average Interest Earning Assets, 2 Yr. CAGR %	10.47	12.26	10.53	9.24	7.85
Average Interest Bearing Liabilities, 2 Yr. CAGR %	10.64	12.89	10.88	8.08	6.42
Common Equity, 2 Yr. CAGR %	8.28	9.72	11.39	8.44	9.08
Total Equity, 2 Yr. CAGR %	8.49	8.99	10.4	7.75	8.22
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	7.15	4.42	6.21	5.11	6.12
Non Interest Income, 3 Yr. CAGR %	1.77	3.27	4.48	10.9	11.66
Provision For Loan Losses, 3 Yr. CAGR %	44.26	-43.37	-6.33	-6.88	133.09
Total Revenues, 3 Yr. CAGR %	1.7	5.39	6.24	9.46	5.93
Earnings From Cont. Operations, 3 Yr. CAGR %	-7.02	6.85	6.83	9.9	3.53
Net Income, 3 Yr. CAGR %	-6.92	6.87	6.87	9.64	3.44
Normalized Net Income, 3 Yr. CAGR %	-1.66	8.65	7.35	11.95	2.19
Diluted EPS Before Extra, 3 Yr. CAGR %	-9.9	6.14	6.09	7.88	1.51
Dividend Per Share, 3 Yr. CAGR %	4.64	3.16	5.31	5.74	7.23
Gross Loans, 3 Yr. CAGR %	4.69	6.88	10.05	9.11	7.32
Allowance For Loan Losses, 3 Yr. CAGR %	29.82	20.24	17.08	3.3	11.2
Net Loans, 3 Yr. CAGR %	4.54	6.81	10.01	9.15	7.29
Non Performing Loans, 3 Yr. CAGR %	21.49	7.39	-2.25	8.38	16.71
Non Performing Assets, 3 Yr. CAGR %	21.24	7.4	-2.24	8.18	16.44
Total Assets, 3 Yr. CAGR %	10.83	11.95	13.14	8.23	7.55
Total Deposits, 3 Yr CAGR %	10.12	11.53	13.44	8.32	6.21
Tangible Book Value, 3 Yr. CAGR %	12.43	12.48	12.06	10.68	10.47
Average Interest Earning Assets, 3 Yr. CAGR %	10.42	10.42	11.75	9.6	8.81
Average Interest Bearing Liabilities, 3 Yr. CAGR %	10.6	10.79	12.15	9.07	7.82
Common Equity, 3 Yr. CAGR %	9.44	9.41	10.17	9.52	9.74
Total Equity, 3 Yr. CAGR %	9.79	9.28	9.3	8.78	8.79
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	6.89	6.49	7.09	4.97	5.35
Non Interest Income, 5 Yr. CAGR %	5.32	5.11	4.71	6.21	8.12
Provision For Loan Losses, 5 Yr. CAGR %	26.41	-31.54	4.98	18.23	9.24
Total Revenues, 5 Yr. CAGR %	4.43	7.26	6.1	4.67	6.38
Earnings From Cont. Operations, 5 Yr. CAGR %	1.1	8.46	5.76	-0.97	6.92
Net Income, 5 Yr. CAGR %	1.17	8.5	5.77	-1.05	6.9
Normalized Net Income, 5 Yr. CAGR %	5.77	11.46	6.78	3.58	6.85
Diluted EPS Before Extra, 5 Yr. CAGR %	-1.51	5.42	3.52	-2.4	5.41
Dividend Per Share, 5 Yr. CAGR %	6.24	4.22	5.18	5.28	5.15
Gross Loans, 5 Yr. CAGR %	7.77	8.06	7.77	7.44	7.57
Allowance For Loan Losses, 5 Yr. CAGR %	16.21	11	13.69	18.94	15.39
Net Loans, 5 Yr. CAGR %	7.7	8.04	7.74	7.37	7.52
Non Performing Loans, 5 Yr. CAGR %	10.61	2.03	5.88	15.1	9.32
Non Performing Assets, 5 Yr. CAGR %	10.57	2.01	5.83	14.98	9.09
Total Assets, 5 Yr. CAGR %	10.68	10.81	10.79	10.32	9.84
Total Deposits, 5 Yr CAGR %	10.26	10.28	10.42	10.09	9.19
Tangible Book Value, 5 Yr. CAGR %	12.02	12.92	12.59	10.87	11.41
Average Interest Earning Assets, 5 Yr. CAGR %	10.58	10.15	10.47	9.94	10.17
Average Interest Bearing Liabilities, 5 Yr. CAGR %	10.52	10.3	10.71	9.7	9.82
Common Equity, 5 Yr. CAGR %	13.49	13.76	10.22	9.02	9.73
Total Equity, 5 Yr. CAGR %	13.91	14.12	10.03	8.67	8.87