Income Statement Flagstar Bank, National Association

Equities

FLG

US6494454001

Banks

Market Closed - Nyse Other stock markets 04:00:02 2026-04-21 pm EDT			5-day change	1st Jan Change
14.41 ^USD	-2.70%		+2.42%	+14.46%

Apr. 20	Flagstar Bank N.A. Opens New Private Client Office in San Francisco	CI
Apr. 02	Flagstar Bank Secures Multiple Credit Rating Upgrades From Moody's	MT

c4bc97ffbf3d74a.jom_0gF3zQmda5LQclSxR8UcGH7ymdlHijdm_5dz3cU.3_7HvXQH9HzfHvqGOjfmAfxWTR-e3b4l6GEEyPofp6D3xuf_QzmVMdkkyw

Published financial data: FLAGSTAR BANK, NATIONAL ASSOCIATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	1.52B	1.85B	4.51B	4.37B	3.31B
Interest Income On Investments	164M	244M	982M	1.58B	1.16B
Interest Income, Total	1.69B	2.09B	5.49B	5.95B	4.47B
Interest On Deposits	114M	383M	1.76B	2.58B	2.13B
Total Interest On Borrowings	286M	313M	656M	1.22B	613M
Interest Expense, Total	400M	696M	2.41B	3.8B	2.74B
Net Interest Income	1.29B	1.4B	3.08B	2.15B	1.72B
Total Mortgage Banking Activities	-	-	-	-	-
Gain (Loss) on Sale of Loans	-	5M	89M	137M	32M
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-	-2M	-1M	-	31M
Total Other Non Interest Income	61M	85M	468M	384M	278M
Non Interest Income, Total	61M	88M	556M	521M	341M
Revenues Before Provison For Loan Losses	1.35B	1.48B	3.63B	2.67B	2.06B
Provision For Loan Losses	3M	133M	833M	1.09B	184M
Total Revenues	1.35B	1.35B	2.8B	1.58B	1.88B
Salaries And Other Employee Benefits	272M	325M	1.1B	1.21B	915M
Amort. of Goodwill & Intang. Assets	-	5M	126M	136M	107M
Occupancy Expense	61M	64M	114M	136M	125M
Federal Deposit Insurance	-	-	-	313M	169M
Selling General & Admin Expenses, Total	185M	215M	883M	938M	704M
Non Interest Expense, Total	518M	609M	2.22B	2.73B	2.02B
EBT, Excl. Unusual Items	829M	742M	575M	-1.15B	-142M
Total Merger & Related Restructuring Charges	-23M	-75M	-330M	-106M	-56M
Impairment of Goodwill	-	-	-2.43B	-	-
Other Unusual Items	-	159M	2.13B	-121M	-
EBT, Incl. Unusual Items	806M	826M	-50M	-1.38B	-198M
Income Tax Expense	210M	176M	29M	-260M	-21M
Earnings From Continuing Operations	596M	650M	-79M	-1.12B	-177M
Net Income to Company	596M	650M	-79M	-1.12B	-177M
Net Income - (IS)	596M	650M	-79M	-1.12B	-177M
Preferred Dividend and Other Adjustments	40M	41M	38M	35M	33M
Net Income to Common Incl Extra Items	556M	609M	-117M	-1.15B	-210M
Net Income to Common Excl. Extra Items	556M	609M	-117M	-1.15B	-210M
Per Share Items
Net EPS - Basic	3.6	3.78	-0.49	-3.49	-0.51
Basic EPS - Continuing Operations	3.6	3.78	-0.49	-3.49	-0.51
Basic Weighted Average Shares Outstanding	155M	161M	238M	331M	415M
Net EPS - Diluted	3.6	3.78	-0.49	-3.49	-0.51
Diluted EPS - Continuing Operations	3.6	3.78	-0.49	-3.49	-0.51
Diluted Weighted Average Shares Outstanding	155M	162M	238M	331M	415M
Normalized Basic EPS	3.35	2.88	1.51	-2.18	-0.21
Normalized Diluted EPS	3.35	2.87	1.51	-2.18	-0.21
Dividend Per Share	2.04	2.04	2.04	0.2	0.04
Payout Ratio	58.56	53.85	-656.96	-7.87	-27.12
Supplemental Items
Effective Tax Rate - (Ratio)	26.05	21.31	-58	18.87	10.61
Current Domestic Taxes	223M	179M	215M	151M	42M
Total Current Taxes	223M	179M	215M	151M	42M
Deferred Domestic Taxes	-13M	-3M	-186M	-411M	-63M
Total Deferred Taxes	-13M	-3M	-186M	-411M	-63M
Normalized Net Income	518M	464M	359M	-719M	-88.75M
Non-Cash Pension Expense	-5M	-10M	-2M	-9M	-8M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	31M	29M	47M	54M	61M
Total Stock-Based Compensation	31M	29M	47M	54M	61M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	2.21B	2.03B	11.48B	15.43B	5.89B
Investment Securities, Total	3.08B	4.59B	2.97B	2.18B	3.08B
Trading Asset Securities, Total	-	234M	138M	25M	26M
Mortgage Backed Securities	2.79B	4.79B	6.56B	8.57B	12.98B
Total investments	5.87B	9.61B	9.67B	10.78B	16.09B
Gross Loans	45.83B	69.09B	84.88B	68.44B	60.86B
Allowance For Loan Losses	-199M	-393M	-992M	-1.2B	-1.03B
Other Adjustments to Gross Loans	-95M	-85M	-258M	-169M	-129M
Net Loans	45.54B	68.61B	83.63B	67.07B	59.7B
Gross Property Plant And Equipment	-	-	-	-	1.39B
Accumulated Depreciation	-	-	-	-	-532M
Net Property Plant And Equipment	519M	610M	1.08B	978M	857M
Goodwill	2.43B	2.43B	-	-	-
Other Intangibles, Total	-	287M	625M	488M	381M
Investment in FHLB	734M	1.27B	1.39B	927M	-
Loans Held For Sale	-	1.12B	1.18B	899M	265M
Accrued Interest Receivable	214M	323M	461M	312M	300M
Other Receivables	-	-	-	-	-
Restricted Cash	-	50M	135M	-	83M
Deferred Tax Assets Long-Term (Collected)	-	-	-	-	22M
Other Real Estate Owned And Foreclosed	8M	12M	14M	14M	11M
Other Long-Term Assets, Total	2B	3.8B	4.4B	3.26B	3.91B
Total Assets	59.53B	90.14B	114B	100B	87.51B
Liabilities
Interest Bearing Deposits	27.78B	42.92B	53.13B	49.79B	47.61B
Institutional Deposits	2.75B	3.75B	7.89B	12.6B	6.33B
Non-Interest Bearing Deposits	4.53B	12.06B	20.5B	13.48B	12.06B
Total Deposits	35.06B	58.72B	81.53B	75.87B	66B
Short-Term Borrowings	-	2.94B	1.55B	35M	4.02B
Current Portion of Long-Term Debt	3.75B	7.52B	7.35B	3.75B	3B
Current Portion of Leases	26M	28M	71M	70M	70M
Long-Term Debt	1.1B	432M	438M	444M	448M
Federal Home Loan Bank Debt - Long-Term	11.36B	10B	11.9B	9.65B	4.15B
Long-Term Leases	223M	94M	375M	393M	357M
Trust Preferred Securities (BS)	361M	575M	579M	582M	585M
Accrued Interest Payable	18M	37M	50M	51M	39M
Other Current Liabilities - (Bank / Utility Template)	87M	197M	915M	-	-
Pension & Other Post Retirement Benefits	10M	7M	8M	-	-
Deferred Tax Liability Non-Current	384M	107M	517M	51M	64M
Other Non Current Liabilities	114M	661M	407M	1.1B	631M
Total Liabilities	52.48B	81.32B	106B	91.99B	79.37B
Preferred Stock Non Redeemable	503M	503M	503M	503M	503M
Preferred Stock Convertible	-	-	-	1M	1M
Total Preferred Equity	503M	503M	503M	504M	504M
Common Stock, Total	5M	7M	7M	4M	4M
Additional Paid In Capital	6.13B	8.13B	8.23B	9.28B	9.3B
Retained Earnings	741M	1.04B	443M	-763M	-988M
Treasury Stock	-246M	-237M	-218M	-219M	-190M
Comprehensive Income and Other	-85M	-620M	-599M	-640M	-489M
Total Common Equity	6.54B	8.32B	7.86B	7.66B	7.64B
Total Equity	7.04B	8.82B	8.37B	8.17B	8.14B
Total Liabilities And Equity	59.53B	90.14B	114B	100B	87.51B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	156M	228M	258M	415M	416M
ECS Total Common Shares Outstanding	155M	227M	241M	415M	416M
Book Value / Share	42.2	36.64	32.67	18.47	18.37
Tangible Book Value	4.12B	5.61B	7.24B	7.18B	7.26B
Tangible Book Value Per Share	26.55	24.7	30.08	17.29	17.45
Tangible Book Value Per Share (As Reported)	26.55	24.69	-	-	-
Average Assets	57.55B	64.4B	110B	116B	94.52B
Average Loans	43.2B	49.38B	81.86B	78.88B	64.82B
Total Debt	16.81B	21.59B	22.27B	14.92B	12.63B
Deposits at Interest - Cash	-	-	-	-	5.34B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-125M	-112M	-138M	-140M	-168M
Net Debt	14.6B	19.32B	10.65B	-531M	6.71B
Equity Method Investments, Total	76M	304M	372M	335M	296M
Full Time Employees	2.82K	7.5K	8.77K	6.99K	5.63K
Number Of Offices	237	395	420	400	340

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	596M	650M	-79M	-1.12B	-177M
Depreciation, Depletion & Amortization	39M	18M	39M	48M	41M
Amortization of Goodwill and Intangible Assets - (CF)	-	5M	126M	136M	107M
Total Depreciation, Depletion & Amortization	39M	23M	165M	184M	148M
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)	-5M	-35M	222M	181M	-
Total Asset Writedown	-	-	2.43B	77M	-
Provision for Credit Losses	3M	133M	833M	1.09B	184M
Stock-Based Compensation (CF)	31M	29M	47M	54M	61M
Net (Increase) Decrease in Loans Originated / Sold - Operating	-	-	-	-	-
Change in Trading Asset Securities	0	0	0	-	-
Change in Other Net Operating Assets (Collected)	-342M	395M	-944M	43M	-84M
Other Operating Activities	-31M	-162M	-2.32B	-290M	-313M
Cash from Operations	290M	1.03B	263M	86M	-181M
Capital Expenditure	-4M	-3M	-66M	-36M	-67M
Sale of Property, Plant, and Equipment	-	-	-	-	-
Cash Acquisitions	-	331M	24.9B	-	-
Purchase / Sale of Intangible Assets	-	-	50M	1.42B	-
Investment in Marketable and Equity Securities, Total	-68M	-1.28B	214M	-968M	-5.08B
Net (Increase) Decrease in Loans Originated / Sold - Investing	-2.68B	-5.18B	-4.33B	14.77B	7.64B
Other Investing Activities, Total	-8M	-188M	-95M	267M	192M
Cash from Investing	-2.76B	-6.32B	20.67B	15.45B	2.69B
Short Term Debt Issued, Total	950M	2.55B	-	-	250M
Long-Term Debt Issued, Total	2.07B	9.48B	19.85B	28.24B	4B
Total Debt Issued	3.02B	12.03B	19.85B	28.24B	4.25B
Short Term Debt Repaid, Total	-	-	-550M	-4.25B	-
Long-Term Debt Repaid, Total	-2.54B	-13.96B	-19.37B	-30.84B	-6.5B
Total Debt Repaid	-2.54B	-13.96B	-19.92B	-35.09B	-6.5B
Issuance of Common Stock	-	-	-	1B	-
Repurchase of Common Stock	-16M	-24M	-12M	-11M	-
Issuance of Preferred Stock	-	-	-	1M	-
Common Dividends Paid	-316M	-317M	-486M	-53M	-15M
Preferred Dividends Paid	-33M	-33M	-33M	-35M	-33M
Common & Preferred Stock Dividends Paid	-349M	-350M	-519M	-88M	-48M
Net Increase (Decrease) in Deposit Accounts - (CF)	2.62B	7.66B	-10.74B	-5.67B	-9.87B
Other Financing Activities, Total	-	-189M	-66M	27M	80M
Cash from Financing	2.74B	5.17B	-11.41B	-11.59B	-12.09B
Net Change in Cash	263M	-129M	9.53B	3.95B	-9.58B
Supplemental Items
Cash Interest Paid	402M	657M	2.29B	3.69B	2.86B
Cash Income Tax Paid (Refund)	471M	17M	54M	33M	13M
Net Debt Issued / Repaid	478M	-1.93B	-74M	-6.85B	-2.25B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.03	0.87	-0.08	-1.04	-0.19
Return On Equity %	8.58	8.19	-0.92	-13.52	-2.17
Return on Common Equity	8.63	8.2	-1.45	-14.85	-2.74
Shareholders Value Added	-162M	-190M	-718M	-1.85B	-953M
Margin Analysis
SG&A Margin	38.46	44.71	74.96	144.4	92.86
Net Interest Income / Total Revenues %	95.69	103.33	109.89	136.12	91.64
EBT Excl. Non-Recurring Items Margin %	61.54	54.92	20.54	-72.8	-7.56
Income From Continuing Operations Margin %	44.25	48.11	-2.82	-70.71	-9.42
Net Income Margin %	44.25	48.11	-2.82	-70.71	-9.42
Net Avail. For Common Margin %	41.28	45.08	-4.18	-72.93	-11.18
Normalized Net Income Margin	38.47	34.33	12.83	-45.5	-4.73
Asset quality
Nonperforming Loans / Total Loans %	0.07	0.2	0.5	4.29	4.94
Nonperforming Loans / Total Assets %	0.06	0.16	0.38	2.93	3.43
Nonperforming Assets / Total Assets %	0.07	0.17	0.39	2.95	3.45
NPAs / Loans and OREO	0.09	0.22	0.52	4.31	4.95
NPAs / Equity	0.58	1.73	5.28	36.14	37.03
Allowance for Credit Losses / Net Charge-offs %	-9.95K	-9.82K	476.92	134.64	293.45
Allowance for Credit Losses / Nonperforming Loans %	603.03	278.72	231.78	40.88	34.28
Allowance for Credit Losses / Total Loans %	0.43	0.57	1.17	1.75	1.69
Net Charge-offs / Total Average Loans %	-0	-0.01	0.25	1.13	0.54
Provision for Loan Losses / Net Charge-offs %	-150	-3.32K	400.48	122.42	52.42
Earning Assets / IBL	115.53	115.3	138.54	128.18	125.74
Interest Income / Average Assets	2.94	3.25	4.97	5.14	4.73
Interest Expense / Average Assets	0.7	1.08	2.18	3.28	2.9
Net Interest Income / Average Assets	2.24	2.17	2.78	1.86	1.82
Non Interest Income / Average Assets	0.11	0.14	0.5	0.45	0.36
Non Interest Expense / Average Asset	0.9	0.95	2.01	2.36	2.14
Capital And Funding
Total Average Common Equity / Total Average Assets %	11.12	9.93	7.93	7.25	8.15
Total Average Equity / Total Average Assets %	11.99	10.6	8.42	7.72	8.69
Total Equity + Allowance for Loan Losses / Total Loans %	15.8	13.34	11.03	13.69	15.07
Gross Loans / Total Deposits %	130.73	117.65	104.11	90.21	92.21
Net Loans / Total Deposits %	129.89	116.84	102.58	88.4	90.46
Tier 1 Capital Ratio %	10.83	9.78	9.62	12.57	13.66
Total Capital Ratio %	12.73	11.66	11.77	15.14	16.23
Core Tier 1 Capital Ratio	9.68	9.06	9.05	11.83	12.83
Equity Tier 1 Capital Ratio	7.21	6.41	-	-	-
Coverage Ratio	-	-	-	-	-
Leverage Ratio %	8.46	9.7	7.75	7.68	9.22
Interbank Ratio	-	-	-	-	-
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	3.82	3.64	0.92	-0.12	0.68
EBT + Interest Expense / Interest Expense	3.02	2.19	0.98	0.64	0.93
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	17.18	8.3	120.42	-30.06	-20.03
Non Interest Income, 1 Yr. Growth %	0	44.26	531.82	-6.3	-34.55
Provision For Loan Losses, 1 Yr. Growth %	-95.16	4.33K	526.32	31.09	-83.15
Total Revenues, 1 Yr. Growth %	22.57	0.3	107.25	-43.54	18.79
Earnings From Cont. Operations, 1 Yr. Growth %	16.63	9.06	-112.15	1.32K	-84.17
Net Income, 1 Yr. Growth %	16.63	9.06	-112.15	1.32K	-84.17
Normalized Net Income, 1 Yr. Growth %	40.99	-10.49	-22.51	-300.17	-87.66
Diluted EPS Before Extra, 1 Yr. Growth %	17.51	5.06	-113.02	609.58	-85.51
Dividend Per Share, 1 Yr. Growth %	0	0	0	-90.2	-80
Gross Loans, 1 Yr. Growth %	6.59	50.73	22.86	-19.36	-11.08
Allowance For Loan Losses, 1 Yr. Growth %	2.58	97.49	152.42	21.07	-14.24
Net Loans, 1 Yr. Growth %	6.67	50.66	21.89	-19.8	-10.99
Non Performing Loans, 1 Yr. Growth %	-13.16	327.27	203.55	586.45	2.28
Non Performing Assets, 1 Yr. Growth %	-10.87	273.17	188.89	567.87	2.17
Total Assets, 1 Yr. Growth %	5.72	51.43	26.53	-12.18	-12.63
Total Deposits, 1 Yr Growth %	8.08	67.49	38.84	-6.94	-13.01
Tangible Book Value, 1 Yr. Growth %	5.16	36.28	29.08	-0.87	1.16
Average Interest Earning Assets, 1 Yr. Growth %	6.46	13.39	73.57	7.49	-17.82
Average Interest Bearing Liabilities, 1 Yr. Growth %	3.46	13.62	44.45	16.18	-16.22
Common Equity, 1 Yr. Growth %	3.19	27.21	-5.49	-2.54	-0.31
Total Equity, 1 Yr. Growth %	2.95	25.27	-5.18	-2.38	-0.29
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	16.06	12.65	54.5	24.16	-25.21
Non Interest Income, 2 Yr. CAGR %	-14.78	20.11	201.91	143.32	-21.69
Provision For Loan Losses, 2 Yr. CAGR %	-34.53	46.46	1.57K	186.54	-53
Total Revenues, 2 Yr. CAGR %	14.14	10.87	44.18	8.18	-18.1
Earnings From Cont. Operations, 2 Yr. CAGR %	22.84	12.78	-63.59	31.15	49.68
Net Income, 2 Yr. CAGR %	22.84	12.78	-63.59	31.15	49.68
Normalized Net Income, 2 Yr. CAGR %	25.9	12.33	-16.72	24.55	-50.31
Diluted EPS Before Extra, 2 Yr. CAGR %	24.83	11.11	-63.02	-3.79	1.39
Dividend Per Share, 2 Yr. CAGR %	0	0	0	-68.69	-86
Gross Loans, 2 Yr. CAGR %	4.46	26.75	36.08	-0.47	-15.32
Allowance For Loan Losses, 2 Yr. CAGR %	16.1	42.33	123.27	74.81	1.9
Net Loans, 2 Yr. CAGR %	4.44	26.77	35.51	-1.13	-15.51
Non Performing Loans, 2 Yr. CAGR %	-26.59	92.63	260.13	356.47	164.97
Non Performing Assets, 2 Yr. CAGR %	-25.32	82.38	228.34	339.25	161.22
Total Assets, 2 Yr. CAGR %	5.34	26.53	38.42	5.41	-12.41
Total Deposits, 2 Yr CAGR %	5.24	34.55	52.49	13.67	-10.02
Tangible Book Value, 2 Yr. CAGR %	4.3	19.72	32.63	13.12	0.14
Average Interest Earning Assets, 2 Yr. CAGR %	4.95	9.87	40.29	36.59	-6.01
Average Interest Bearing Liabilities, 2 Yr. CAGR %	3.47	8.42	28.11	29.55	-1.34
Common Equity, 2 Yr. CAGR %	2.64	14.57	9.65	-4.03	-1.43
Total Equity, 2 Yr. CAGR %	2.45	13.56	8.99	-3.79	-1.34
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	7.73	13.41	40.9	18.63	7.23
Non Interest Income, 3 Yr. CAGR %	-12.66	1.56	108.89	104.41	57.07
Provision For Loan Losses, 3 Yr. CAGR %	-45.23	166.84	137.73	614	11.43
Total Revenues, 3 Yr. CAGR %	6.85	9.32	36.58	5.48	11.6
Earnings From Cont. Operations, 3 Yr. CAGR %	12.16	18.06	-46.33	23.33	-35.18
Net Income, 3 Yr. CAGR %	12.16	18.06	-46.33	23.33	-35.18
Normalized Net Income, 3 Yr. CAGR %	14.13	12.37	-0.74	11.56	-42.37
Diluted EPS Before Extra, 3 Yr. CAGR %	14.93	17.86	-45.63	-0.99	-48.81
Dividend Per Share, 3 Yr. CAGR %	0	0	0	-53.89	-73.03
Gross Loans, 3 Yr. CAGR %	4.45	18.05	25.44	14.3	-4.14
Allowance For Loan Losses, 3 Yr. CAGR %	7.58	38.59	72.28	82.07	37.87
Net Loans, 3 Yr. CAGR %	4.41	18.01	25.12	13.78	-4.53
Non Performing Loans, 3 Yr. CAGR %	-10.16	32.04	124.16	346.53	177.25
Non Performing Assets, 3 Yr. CAGR %	-10.03	27.68	112.6	316.02	170.13
Total Assets, 3 Yr. CAGR %	4.68	18.89	26.53	18.94	-0.98
Total Deposits, 3 Yr CAGR %	4.45	22.87	35.96	29.35	3.97
Tangible Book Value, 3 Yr. CAGR %	3.46	14.03	22.76	20.37	8.98
Average Interest Earning Assets, 3 Yr. CAGR %	4.43	7.69	27.96	28.37	15.31
Average Interest Bearing Liabilities, 3 Yr. CAGR %	3.65	6.75	19.3	24.01	12.03
Common Equity, 3 Yr. CAGR %	2.06	10.25	7.45	5.42	-2.81
Total Equity, 3 Yr. CAGR %	1.91	9.55	6.94	5.06	-2.64
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	0.03	4.32	24.44	17.59	9.36
Non Interest Income, 5 Yr. CAGR %	-15.97	-16.51	43.44	44.05	41.09
Provision For Loan Losses, 5 Yr. CAGR %	-6.42	28.99	114.71	174.55	24.3
Total Revenues, 5 Yr. CAGR %	-1.17	0.62	20.45	8.86	11.31
Earnings From Cont. Operations, 5 Yr. CAGR %	3.77	6.87	-28.49	23.13	-19.11
Net Income, 5 Yr. CAGR %	3.77	6.87	-28.49	23.13	-19.11
Normalized Net Income, 5 Yr. CAGR %	1.01	2.12	0.61	17.09	-24.74
Diluted EPS Before Extra, 5 Yr. CAGR %	3.48	6.97	-26.98	8.62	-30.24
Dividend Per Share, 5 Yr. CAGR %	0	0	0	-37.15	-54.45
Gross Loans, 5 Yr. CAGR %	3.21	12.43	16.11	10.26	7.19
Allowance For Loan Losses, 5 Yr. CAGR %	1.8	19.98	44.07	52.08	39.64
Net Loans, 5 Yr. CAGR %	3.2	12.41	15.89	9.95	6.94
Non Performing Loans, 5 Yr. CAGR %	-29.45	13.86	56.56	116.87	139.67
Non Performing Assets, 5 Yr. CAGR %	-28.37	11.18	51	109.29	130.85
Total Assets, 5 Yr. CAGR %	4	12.91	17.06	13.3	9.22
Total Deposits, 5 Yr CAGR %	3.95	15.07	21.52	19.1	15.27
Tangible Book Value, 5 Yr. CAGR %	2.22	7.78	14.27	13.66	13.15
Average Interest Earning Assets, 5 Yr. CAGR %	3.5	6.33	17.52	18.43	13.1
Average Interest Bearing Liabilities, 5 Yr. CAGR %	2.39	5.7	12.82	15.34	10.57
Common Equity, 5 Yr. CAGR %	1.33	5.75	5.03	4.3	3.8
Total Equity, 5 Yr. CAGR %	2.84	5.36	4.68	4.01	3.55