Income Statement Flagstar Bank, National Association

Equities

FLG

US6494454001

Banks

Market Closed - Nyse Other stock markets 04:00:02 2026-01-21 pm EST			5-day change	1st Jan Change
13.25 ^USD	+4.83%		+3.43%	+5.24%

Dec. 15	RBC Raises Price Target on Flagstar Bank to $14 From $13, Keeps Sector Perform Rating	MT
Dec. 09	Flagstar Private Bank and Wealth Management Announces Expansion of Its Wealth Capabilities	CI

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Published financial data: FLAGSTAR BANK, NATIONAL ASSOCIATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	1.54B	1.52B	1.85B	4.51B	4.37B
Interest Income On Investments	166M	164M	244M	982M	1.58B
Interest Income, Total	1.71B	1.69B	2.09B	5.49B	5.95B
Interest On Deposits	306M	114M	383M	1.76B	2.58B
Total Interest On Borrowings	302M	286M	313M	656M	1.22B
Interest Expense, Total	608M	400M	696M	2.41B	3.8B
Net Interest Income	1.1B	1.29B	1.4B	3.08B	2.15B
Total Mortgage Banking Activities	-	-	-	-	-
Gain (Loss) on Sale of Loans	-	-	5M	89M	137M
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	1.26M	-	-2M	-1M	-
Total Other Non Interest Income	59.82M	61M	85M	468M	384M
Non Interest Income, Total	61.08M	61M	88M	556M	521M
Revenues Before Provison For Loan Losses	1.16B	1.35B	1.48B	3.63B	2.67B
Provision For Loan Losses	62.23M	3M	133M	833M	1.09B
Total Revenues	1.1B	1.35B	1.35B	2.8B	1.58B
Salaries And Other Employee Benefits	267M	272M	325M	1.1B	1.21B
Amort. of Goodwill & Intang. Assets	-	-	5M	126M	136M
Occupancy Expense	63.17M	61M	64M	114M	136M
Federal Deposit Insurance	-	-	-	-	313M
Selling General & Admin Expenses, Total	181M	185M	215M	883M	938M
Non Interest Expense, Total	511M	518M	609M	2.22B	2.73B
EBT, Excl. Unusual Items	588M	829M	742M	575M	-1.15B
Total Merger & Related Restructuring Charges	-	-23M	-75M	-330M	-106M
Impairment of Goodwill	-	-	-	-2.43B	-
Other Unusual Items	-	-	159M	2.13B	-121M
EBT, Incl. Unusual Items	588M	806M	826M	-50M	-1.38B
Income Tax Expense	76.7M	210M	176M	29M	-260M
Earnings From Continuing Operations	511M	596M	650M	-79M	-1.12B
Net Income to Company	511M	596M	650M	-79M	-1.12B
Net Income - (IS)	511M	596M	650M	-79M	-1.12B
Preferred Dividend and Other Adjustments	38.63M	40M	41M	38M	35M
Net Income to Common Incl Extra Items	472M	556M	609M	-117M	-1.15B
Net Income to Common Excl. Extra Items	472M	556M	609M	-117M	-1.15B
Per Share Items
Net EPS - Basic	3.06	3.6	3.78	-0.49	-3.49
Basic EPS - Continuing Operations	3.06	3.6	3.78	-0.49	-3.49
Basic Weighted Average Shares Outstanding	154M	155M	161M	238M	331M
Net EPS - Diluted	3.06	3.6	3.78	-0.49	-3.49
Diluted EPS - Continuing Operations	3.06	3.6	3.78	-0.49	-3.49
Diluted Weighted Average Shares Outstanding	154M	155M	162M	238M	331M
Normalized Basic EPS	2.38	3.35	2.88	1.51	-2.18
Normalized Diluted EPS	2.38	3.35	2.87	1.51	-2.18
Dividend Per Share	2.04	2.04	2.04	2.04	0.2
Payout Ratio	68.17	58.56	53.85	-656.96	-7.87
Supplemental Items
Effective Tax Rate - (Ratio)	13.05	26.05	21.31	-58	18.87
Current Domestic Taxes	-143M	223M	179M	215M	151M
Total Current Taxes	-143M	223M	179M	215M	151M
Deferred Domestic Taxes	219M	-13M	-3M	-186M	-411M
Total Deferred Taxes	219M	-13M	-3M	-186M	-411M
Normalized Net Income	367M	518M	464M	359M	-719M
Non-Cash Pension Expense	-3.49M	-5M	-10M	-2M	-9M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	33.7M	31M	29M	47M	54M
Total Stock-Based Compensation	33.7M	31M	29M	47M	54M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	1.95B	2.21B	2.03B	11.48B	15.43B
Investment Securities, Total	2.89B	3.08B	4.59B	2.97B	2.18B
Trading Asset Securities, Total	-	-	234M	138M	25M
Mortgage Backed Securities	3.04B	2.79B	4.79B	6.56B	8.57B
Total investments	5.93B	5.87B	9.61B	9.67B	10.78B
Gross Loans	43B	45.83B	69.09B	84.88B	68.44B
Allowance For Loan Losses	-194M	-199M	-393M	-992M	-1.2B
Other Adjustments to Gross Loans	-116M	-95M	-85M	-258M	-169M
Net Loans	42.69B	45.54B	68.61B	83.63B	67.07B
Net Property Plant And Equipment	554M	519M	610M	1.08B	978M
Goodwill	2.43B	2.43B	2.43B	-	-
Other Intangibles, Total	-	-	287M	625M	488M
Investment in FHLB	714M	734M	1.27B	1.39B	927M
Loans Held For Sale	117M	-	1.12B	1.18B	899M
Accrued Interest Receivable	234M	214M	323M	461M	312M
Other Receivables	-	-	-	-	-
Restricted Cash	-	-	50M	135M	-
Deferred Tax Assets Long-Term (Collected)	-	-	-	-	-
Other Real Estate Owned And Foreclosed	8.32M	8M	12M	14M	14M
Other Long-Term Assets, Total	1.69B	2B	3.8B	4.4B	3.26B
Total Assets	56.31B	59.53B	90.14B	114B	100B
Liabilities
Interest Bearing Deposits	22.61B	27.78B	42.92B	53.13B	49.79B
Institutional Deposits	6.75B	2.75B	3.75B	7.89B	12.6B
Non-Interest Bearing Deposits	3.08B	4.53B	12.06B	20.5B	13.48B
Total Deposits	32.44B	35.06B	58.72B	81.53B	75.87B
Short-Term Borrowings	-	-	2.94B	1.55B	35M
Current Portion of Long-Term Debt	3.27B	3.75B	7.52B	7.35B	3.75B
Current Portion of Leases	26.96M	26M	28M	71M	70M
Long-Term Debt	1.1B	1.1B	432M	438M	444M
Federal Home Loan Bank Debt - Long-Term	11.36B	11.36B	10B	11.9B	9.65B
Long-Term Leases	240M	223M	94M	375M	393M
Trust Preferred Securities (BS)	360M	361M	575M	579M	582M
Accrued Interest Payable	19.3M	18M	37M	50M	51M
Other Current Liabilities - (Bank / Utility Template)	172M	87M	197M	915M	-
Pension & Other Post Retirement Benefits	11.85M	10M	7M	8M	-
Deferred Tax Liability Non-Current	420M	384M	107M	517M	51M
Other Non Current Liabilities	54.52M	114M	661M	407M	1.1B
Total Liabilities	49.46B	52.48B	81.32B	106B	91.99B
Preferred Stock Non Redeemable	503M	503M	503M	503M	503M
Preferred Stock Convertible	-	-	-	-	1M
Total Preferred Equity	503M	503M	503M	503M	504M
Common Stock, Total	4.9M	5M	7M	7M	4M
Additional Paid In Capital	6.12B	6.13B	8.13B	8.23B	9.28B
Retained Earnings	494M	741M	1.04B	443M	-763M
Treasury Stock	-258M	-246M	-237M	-218M	-219M
Comprehensive Income and Other	-25.48M	-85M	-620M	-599M	-640M
Total Common Equity	6.34B	6.54B	8.32B	7.86B	7.66B
Total Equity	6.84B	7.04B	8.82B	8.37B	8.17B
Total Liabilities And Equity	56.31B	59.53B	90.14B	114B	100B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	155M	156M	228M	258M	415M
ECS Total Common Shares Outstanding	155M	155M	227M	241M	415M
Book Value / Share	40.99	42.2	36.64	32.67	18.47
Tangible Book Value	3.91B	4.12B	5.61B	7.24B	7.18B
Tangible Book Value Per Share	25.3	26.55	24.7	30.08	17.29
Tangible Book Value Per Share (As Reported)	25.29	26.55	24.69	-	-
Average Assets	54.11B	57.55B	64.4B	110B	116B
Average Loans	42.03B	43.2B	49.38B	81.86B	78.88B
Total Debt	16.35B	16.81B	21.59B	22.27B	14.92B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-88.9M	-125M	-112M	-138M	-140M
Net Debt	14.4B	14.6B	19.32B	10.65B	-531M
Equity Method Investments, Total	84.5M	76M	304M	372M	335M
Full Time Employees	2.95K	2.82K	7.5K	8.77K	6.99K
Number Of Offices	237	237	395	420	400

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	511M	596M	650M	-79M	-1.12B
Depreciation, Depletion & Amortization	23.87M	39M	18M	39M	48M
Amortization of Goodwill and Intangible Assets - (CF)	-	-	5M	126M	136M
Total Depreciation, Depletion & Amortization	23.87M	39M	23M	165M	184M
Gain (Loss) on Sale of Loans & Receivables - (CF)	-	-1M	-5M	-89M	-48M
(Gain) Loss On Sale of Asset - (CF)	-	-	-2M	-	-89M
(Gain) Loss on Sale of Investments - (CF)	9.84M	-5M	-35M	222M	181M
Total Asset Writedown	-	-	-	2.43B	77M
Provision for Credit Losses	62.23M	3M	133M	833M	1.09B
Stock-Based Compensation (CF)	29.4M	31M	29M	47M	54M
Net (Increase) Decrease in Loans Originated / Sold - Operating	-	-	-	-	-
Change in Trading Asset Securities	23K	0	0	0	-
Change in Other Net Operating Assets (Collected)	-522M	-342M	395M	-944M	43M
Other Operating Activities	219M	-31M	-162M	-2.32B	-290M
Cash from Operations	334M	290M	1.03B	263M	86M
Capital Expenditure	-	-4M	-3M	-66M	-36M
Sale of Property, Plant, and Equipment	1.31M	-	-	-	-
Cash Acquisitions	-	-	331M	24.9B	-
Purchase / Sale of Intangible Assets	-	-	-	50M	1.42B
Investment in Marketable and Equity Securities, Total	31.78M	-68M	-1.28B	214M	-968M
Net (Increase) Decrease in Loans Originated / Sold - Investing	-1B	-2.68B	-5.18B	-4.33B	14.77B
Other Investing Activities, Total	-54.15M	-8M	-188M	-95M	267M
Cash from Investing	-1.03B	-2.76B	-6.32B	20.67B	15.45B
Short Term Debt Issued, Total	1.15B	950M	2.55B	-	-
Long-Term Debt Issued, Total	6.92B	2.07B	9.48B	19.85B	28.24B
Total Debt Issued	8.08B	3.02B	12.03B	19.85B	28.24B
Short Term Debt Repaid, Total	-	-	-	-550M	-4.25B
Long-Term Debt Repaid, Total	-6.55B	-2.54B	-13.96B	-19.37B	-30.84B
Total Debt Repaid	-6.55B	-2.54B	-13.96B	-19.92B	-35.09B
Issuance of Common Stock	-	-	-	-	1B
Repurchase of Common Stock	-59.02M	-16M	-24M	-12M	-11M
Issuance of Preferred Stock	-	-	-	-	1M
Common Dividends Paid	-316M	-316M	-317M	-486M	-53M
Preferred Dividends Paid	-32.83M	-33M	-33M	-33M	-35M
Common & Preferred Stock Dividends Paid	-348M	-349M	-350M	-519M	-88M
Net Increase (Decrease) in Deposit Accounts - (CF)	780M	2.62B	7.66B	-10.74B	-5.67B
Other Financing Activities, Total	-	-	-189M	-66M	27M
Cash from Financing	1.9B	2.74B	5.17B	-11.41B	-11.59B
Net Change in Cash	1.21B	263M	-129M	9.53B	3.95B
Supplemental Items
Cash Interest Paid	633M	402M	657M	2.29B	3.69B
Cash Income Tax Paid (Refund)	118M	471M	17M	54M	33M
Net Debt Issued / Repaid	1.52B	478M	-1.93B	-74M	-6.85B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.93	1.03	0.87	-0.08	-1.04
Return On Equity %	7.54	8.58	8.19	-0.92	-13.52
Return on Common Equity	7.53	8.63	8.2	-1.45	-14.85
Shareholders Value Added	-242M	-162M	-190M	-718M	-1.85B
Margin Analysis
SG&A Margin	46.51	38.46	44.71	74.96	144.4
Net Interest Income / Total Revenues %	100.1	95.69	103.33	109.89	136.12
EBT Excl. Non-Recurring Items Margin %	53.49	61.54	54.92	20.54	-72.8
Income From Continuing Operations Margin %	46.51	44.25	48.11	-2.82	-70.71
Net Income Margin %	46.51	44.25	48.11	-2.82	-70.71
Net Avail. For Common Margin %	42.99	41.28	45.08	-4.18	-72.93
Normalized Net Income Margin	33.43	38.47	34.33	12.83	-45.5
Asset quality
Nonperforming Loans / Total Loans %	0.09	0.07	0.2	0.5	4.29
Nonperforming Loans / Total Assets %	0.07	0.06	0.16	0.38	2.93
Nonperforming Assets / Total Assets %	0.08	0.07	0.17	0.39	2.95
NPAs / Loans and OREO	0.11	0.09	0.22	0.52	4.31
NPAs / Equity	0.67	0.58	1.73	5.28	36.14
Allowance for Credit Losses / Net Charge-offs %	1.03K	-9.95K	-9.82K	476.92	134.64
Allowance for Credit Losses / Nonperforming Loans %	513.54	603.03	278.72	231.78	40.88
Allowance for Credit Losses / Total Loans %	0.45	0.43	0.57	1.17	1.75
Net Charge-offs / Total Average Loans %	0.04	-0	-0.01	0.25	1.13
Provision for Loan Losses / Net Charge-offs %	331.26	-150	-3.32K	400.48	122.42
Earning Assets / IBL	112.28	115.53	115.3	138.54	128.18
Interest Income / Average Assets	3.16	2.94	3.25	4.97	5.14
Interest Expense / Average Assets	1.12	0.7	1.08	2.18	3.28
Net Interest Income / Average Assets	2.03	2.24	2.17	2.78	1.86
Non Interest Income / Average Assets	0.11	0.11	0.14	0.5	0.45
Non Interest Expense / Average Asset	0.94	0.9	0.95	2.01	2.36
Capital And Funding
Total Average Common Equity / Total Average Assets %	11.41	11.12	9.93	7.93	7.25
Total Average Equity / Total Average Assets %	12.33	11.99	10.6	8.42	7.72
Total Equity + Allowance for Loan Losses / Total Loans %	16.36	15.8	13.34	11.03	13.69
Gross Loans / Total Deposits %	132.57	130.73	117.65	104.11	90.21
Net Loans / Total Deposits %	131.61	129.89	116.84	102.58	88.4
Tier 1 Capital Ratio %	10.95	10.83	9.78	9.62	12.57
Total Capital Ratio %	12.97	12.73	11.66	11.77	15.14
Core Tier 1 Capital Ratio	9.72	9.68	9.06	9.05	11.83
Equity Tier 1 Capital Ratio	7.26	7.21	6.41	-	-
Coverage Ratio	-	-	-	-	-
Leverage Ratio %	8.52	8.46	9.7	7.75	7.68
Interbank Ratio	-	-	-	-	-
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	2.95	3.82	3.64	0.92	-0.12
EBT + Interest Expense / Interest Expense	1.97	3.02	2.19	0.98	0.64
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	14.91	17.18	8.3	120.42	-30.06
Non Interest Income, 1 Yr. Growth %	-27.48	0	44.26	531.82	-6.3
Provision For Loan Losses, 1 Yr. Growth %	775.83	-95.16	4.33K	526.32	31.09
Total Revenues, 1 Yr. Growth %	6.23	22.57	0.3	107.25	-43.54
Earnings From Cont. Operations, 1 Yr. Growth %	29.38	16.63	9.06	-112.15	1.32K
Net Income, 1 Yr. Growth %	29.38	16.63	9.06	-112.15	1.32K
Normalized Net Income, 1 Yr. Growth %	12.32	40.99	-10.49	-22.51	-300.17
Diluted EPS Before Extra, 1 Yr. Growth %	32.64	17.51	5.06	-113.02	609.58
Dividend Per Share, 1 Yr. Growth %	0	0	0	0	-90.2
Gross Loans, 1 Yr. Growth %	2.38	6.59	50.73	22.86	-19.36
Allowance For Loan Losses, 1 Yr. Growth %	31.43	2.58	97.49	152.42	21.07
Net Loans, 1 Yr. Growth %	2.26	6.67	50.66	21.89	-19.8
Non Performing Loans, 1 Yr. Growth %	-38.3	-13.16	327.27	203.55	586.45
Non Performing Assets, 1 Yr. Growth %	-37.28	-10.87	273.17	188.89	567.87
Total Assets, 1 Yr. Growth %	4.97	5.72	51.43	26.53	-12.18
Total Deposits, 1 Yr Growth %	2.46	8.08	67.49	38.84	-6.94
Tangible Book Value, 1 Yr. Growth %	3.44	5.16	36.28	29.08	-0.87
Average Interest Earning Assets, 1 Yr. Growth %	3.46	6.46	13.39	73.57	7.49
Average Interest Bearing Liabilities, 1 Yr. Growth %	3.48	3.46	13.62	44.45	16.18
Common Equity, 1 Yr. Growth %	2.09	3.19	27.21	-5.49	-2.54
Total Equity, 1 Yr. Growth %	1.94	2.95	25.27	-5.18	-2.38
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	3.3	16.06	12.65	54.5	24.16
Non Interest Income, 2 Yr. CAGR %	-18.32	-14.78	20.11	201.91	143.32
Provision For Loan Losses, 2 Yr. CAGR %	84.62	-34.53	46.46	1.57K	186.54
Total Revenues, 2 Yr. CAGR %	-0.24	14.14	10.87	44.18	8.18
Earnings From Cont. Operations, 2 Yr. CAGR %	10	22.84	12.78	-63.59	31.15
Net Income, 2 Yr. CAGR %	10	22.84	12.78	-63.59	31.15
Normalized Net Income, 2 Yr. CAGR %	2.67	25.9	12.33	-16.72	24.55
Diluted EPS Before Extra, 2 Yr. CAGR %	13.66	24.83	11.11	-63.02	-3.79
Dividend Per Share, 2 Yr. CAGR %	0	0	0	0	-68.69
Gross Loans, 2 Yr. CAGR %	3.4	4.46	26.75	36.08	-0.47
Allowance For Loan Losses, 2 Yr. CAGR %	10.19	16.1	42.33	123.27	74.81
Net Loans, 2 Yr. CAGR %	3.3	4.44	26.77	35.51	-1.13
Non Performing Loans, 2 Yr. CAGR %	-8.88	-26.59	92.63	260.13	356.47
Non Performing Assets, 2 Yr. CAGR %	-9.51	-25.32	82.38	228.34	339.25
Total Assets, 2 Yr. CAGR %	4.16	5.34	26.53	38.42	5.41
Total Deposits, 2 Yr CAGR %	2.68	5.24	34.55	52.49	13.67
Tangible Book Value, 2 Yr. CAGR %	2.61	4.3	19.72	32.63	13.12
Average Interest Earning Assets, 2 Yr. CAGR %	3.43	4.95	9.87	40.29	36.59
Average Interest Bearing Liabilities, 2 Yr. CAGR %	3.75	3.47	8.42	28.11	29.55
Common Equity, 2 Yr. CAGR %	1.5	2.64	14.57	9.65	-4.03
Total Equity, 2 Yr. CAGR %	1.39	2.45	13.56	8.99	-3.79
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-0.89	7.73	13.41	40.9	18.63
Non Interest Income, 3 Yr. CAGR %	-34.45	-12.66	1.56	108.89	104.41
Provision For Loan Losses, 3 Yr. CAGR %	18.66	-45.23	166.84	137.73	614
Total Revenues, 3 Yr. CAGR %	-5.68	6.85	9.32	36.58	5.48
Earnings From Cont. Operations, 3 Yr. CAGR %	3.11	12.16	18.06	-46.33	23.33
Net Income, 3 Yr. CAGR %	3.11	12.16	18.06	-46.33	23.33
Normalized Net Income, 3 Yr. CAGR %	-4.18	14.13	12.37	-0.74	11.56
Diluted EPS Before Extra, 3 Yr. CAGR %	4.29	14.93	17.86	-45.63	-0.99
Dividend Per Share, 3 Yr. CAGR %	0	0	0	0	-53.89
Gross Loans, 3 Yr. CAGR %	3.8	4.45	18.05	25.44	14.3
Allowance For Loan Losses, 3 Yr. CAGR %	7.08	7.58	38.59	72.28	82.07
Net Loans, 3 Yr. CAGR %	3.75	4.41	18.01	25.12	13.78
Non Performing Loans, 3 Yr. CAGR %	-19.96	-10.16	32.04	124.16	346.53
Non Performing Assets, 3 Yr. CAGR %	-20.01	-10.03	27.68	112.6	316.02
Total Assets, 3 Yr. CAGR %	4.65	4.68	18.89	26.53	18.94
Total Deposits, 3 Yr CAGR %	3.68	4.45	22.87	35.96	29.35
Tangible Book Value, 3 Yr. CAGR %	0.48	3.46	14.03	22.76	20.37
Average Interest Earning Assets, 3 Yr. CAGR %	4.03	4.43	7.69	27.96	28.37
Average Interest Bearing Liabilities, 3 Yr. CAGR %	3.93	3.65	6.75	19.3	24.01
Common Equity, 3 Yr. CAGR %	0.24	2.06	10.25	7.45	5.42
Total Equity, 3 Yr. CAGR %	0.23	1.91	9.55	6.94	5.06
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	21.94	0.03	4.32	24.44	17.59
Non Interest Income, 5 Yr. CAGR %	-21.94	-15.97	-16.51	43.44	44.05
Provision For Loan Losses, 5 Yr. CAGR %	32.91	-6.42	28.99	114.71	174.55
Total Revenues, 5 Yr. CAGR %	11.64	-1.17	0.62	20.45	8.86
Earnings From Cont. Operations, 5 Yr. CAGR %	61.06	3.77	6.87	-28.49	23.13
Net Income, 5 Yr. CAGR %	61.06	3.77	6.87	-28.49	23.13
Normalized Net Income, 5 Yr. CAGR %	114.66	1.01	2.12	0.61	17.09
Diluted EPS Before Extra, 5 Yr. CAGR %	55.41	3.48	6.97	-26.98	8.62
Dividend Per Share, 5 Yr. CAGR %	-7.42	0	0	0	-37.15
Gross Loans, 5 Yr. CAGR %	2.58	3.21	12.43	16.11	10.26
Allowance For Loan Losses, 5 Yr. CAGR %	1.68	1.8	19.98	44.07	52.08
Net Loans, 5 Yr. CAGR %	2.55	3.2	12.41	15.89	9.95
Non Performing Loans, 5 Yr. CAGR %	-27.22	-29.45	13.86	56.56	116.87
Non Performing Assets, 5 Yr. CAGR %	-27.16	-28.37	11.18	51	109.29
Total Assets, 5 Yr. CAGR %	2.27	4	12.91	17.06	13.3
Total Deposits, 5 Yr CAGR %	2.67	3.95	15.07	21.52	19.1
Tangible Book Value, 5 Yr. CAGR %	2.28	2.22	7.78	14.27	13.66
Average Interest Earning Assets, 5 Yr. CAGR %	2.39	3.5	6.33	17.52	18.43
Average Interest Bearing Liabilities, 5 Yr. CAGR %	1.7	2.39	5.7	12.82	15.34
Common Equity, 5 Yr. CAGR %	1.33	1.33	5.75	5.03	4.3
Total Equity, 5 Yr. CAGR %	2.89	2.84	5.36	4.68	4.01