Income Statement Renasant Corporation

Equities

RNST

US75970E1073

Banks

Market Closed - Nyse Other stock markets 04:00:02 2026-02-13 pm EST			5-day change	1st Jan Change
40.73 ^USD	+0.89%		-2.56%	+15.64%

Feb. 13	Renasant Insider Sold Shares Worth $812,515, According to a Recent SEC Filing	MT
Feb. 02	Renasant Insider Sold Shares Worth $472,933, According to a Recent SEC Filing	MT

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Published financial data: RENASANT CORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	466M	435M	480M	716M	806M
Interest Income On Investments	31.7M	33.22M	61.9M	80.86M	81.48M
Interest Income, Total	498M	469M	542M	797M	888M
Interest On Deposits	54.02M	28.98M	35.21M	232M	347M
Total Interest On Borrowings	17.32M	15.71M	25.3M	45.66M	28.99M
Interest Expense, Total	71.34M	44.68M	60.51M	278M	376M
Net Interest Income	427M	424M	481M	519M	512M
Service Charges On Deposits	31.33M	36.57M	39.96M	39.2M	41.78M
Trust Income	16.5M	20.46M	22.34M	22.13M	23.56M
Total Mortgage Banking Activities	150M	110M	35.79M	32.41M	36.38M
Gain (Loss) on Sale of Assets	-	-	-	-	53.35M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	46K	2.17M	-	-41.79M	-
Total Other Non Interest Income	37.16M	58.19M	51.16M	61.12M	48.6M
Non Interest Income, Total	236M	227M	149M	113M	204M
Revenues Before Provison For Loan Losses	662M	651M	631M	632M	716M
Provision For Loan Losses	86.85M	-1.67M	23.79M	15.59M	9.27M
Total Revenues	575M	653M	607M	617M	707M
Salaries And Other Employee Benefits	284M	271M	250M	268M	270M
Amort. of Goodwill & Intang. Assets	7.12M	6.04M	5.12M	5.38M	4.69M
Occupancy Expense	41.9M	37.34M	36.51M	38.67M	38.88M
Selling General & Admin Expenses, Total	73.92M	74.15M	68.87M	73.34M	74M
(Income) Loss on Real Estate Property	2.75M	253K	-453K	267K	858K
Total Other Non Interest Expense	44.89M	35M	32.74M	53.91M	59.96M
Non Interest Expense, Total	454M	423M	393M	440M	448M
EBT, Excl. Unusual Items	121M	229M	214M	177M	258M
Restructuring Charges	-7.36M	-368K	-732K	-	-
Total Merger & Related Restructuring Charges	-	-	-1.79M	-	-13.35M
Other Unusual Items	-10.46M	-6.12M	-	-	-
EBT, Incl. Unusual Items	103M	223M	211M	177M	245M
Income Tax Expense	19.84M	46.94M	45.24M	32.51M	49.51M
Earnings From Continuing Operations	83.65M	176M	166M	145M	195M
Net Income to Company	83.65M	176M	166M	145M	195M
Net Income - (IS)	83.65M	176M	166M	145M	195M
Net Income to Common Incl Extra Items	83.65M	176M	166M	145M	195M
Net Income to Common Excl. Extra Items	83.65M	176M	166M	145M	195M
Per Share Items
Net EPS - Basic	1.49	3.13	2.97	2.58	3.29
Basic EPS - Continuing Operations	1.49	3.13	2.97	2.58	3.29
Basic Weighted Average Shares Outstanding	56.27M	56.11M	55.9M	56.1M	59.35M
Net EPS - Diluted	1.48	3.12	2.95	2.56	3.27
Diluted EPS - Continuing Operations	1.48	3.12	2.95	2.56	3.27
Diluted Weighted Average Shares Outstanding	56.47M	56.42M	56.21M	56.45M	59.75M
Normalized Basic EPS	1.35	2.55	2.39	1.97	2.72
Normalized Diluted EPS	1.34	2.54	2.38	1.96	2.7
Dividend Per Share	0.88	0.88	0.88	0.88	0.88
Payout Ratio	59.93	28.44	30.1	34.75	27.49
Supplemental Items
Effective Tax Rate - (Ratio)	19.17	21.06	21.41	18.35	20.21
Current Domestic Taxes	33.5M	35.52M	42.96M	37.51M	44.86M
Total Current Taxes	33.5M	35.52M	42.96M	37.51M	44.86M
Deferred Domestic Taxes	-13.66M	11.41M	2.28M	-5M	4.65M
Total Deferred Taxes	-13.66M	11.41M	2.28M	-5M	4.65M
Normalized Net Income	75.82M	143M	134M	111M	161M
Non-Cash Pension Expense	249K	-821K	-703K	282K	432K
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	10.58M	10.07M	11.5M	13.72M	13.88M
Total Stock-Based Compensation	10.58M	10.07M	11.5M	13.72M	13.88M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	633M	1.88B	576M	801M	1.09B
Investment Securities, Total	388M	616M	1.7B	1.32B	1.27B
Trading Asset Securities, Total	33.57M	17.7M	38.05M	37.15M	38.95M
Mortgage Backed Securities	956M	2.19B	1.15B	821M	685M
Total investments	1.38B	2.82B	2.9B	2.18B	2B
Gross Loans	10.94B	10.02B	11.59B	12.36B	12.89B
Allowance For Loan Losses	-176M	-164M	-192M	-199M	-202M
Other Adjustments to Gross Loans	-4.16M	-4.07M	-7.15M	-6.79M	-4.48M
Net Loans	10.76B	9.86B	11.39B	12.15B	12.68B
Gross Property Plant And Equipment	427M	430M	433M	439M	445M
Accumulated Depreciation	-126M	-137M	-149M	-156M	-166M
Net Property Plant And Equipment	300M	293M	284M	283M	280M
Goodwill	940M	940M	992M	992M	989M
Other Intangibles, Total	30.14M	24.1M	24.18M	18.8M	14.1M
Loans Held For Sale	418M	454M	110M	180M	246M
Accrued Interest Receivable	56.46M	41.69M	49.85M	54.8M	54.4M
Restricted Cash	-	-	-	-	-
Deferred Tax Assets Long-Term (Collected)	44.66M	45.23M	110M	95.7M	87.04M
Other Real Estate Owned And Foreclosed	5.97M	2.54M	1.76M	9.62M	8.67M
Other Long-Term Assets, Total	367M	456M	558M	591M	584M
Total Assets	14.93B	16.81B	16.99B	17.36B	18.03B
Liabilities
Interest Bearing Deposits	7.95B	8.86B	8.53B	9.72B	10.34B
Institutional Deposits	427M	326M	402M	774M	827M
Non-Interest Bearing Deposits	3.69B	4.72B	4.56B	3.58B	3.4B
Total Deposits	12.06B	13.91B	13.49B	14.08B	14.57B
Short-Term Borrowings	42.45M	27.75M	745M	341M	140M
Current Portion of Long-Term Debt	100K	417K	-	-	-
Current Portion of Leases	8.61M	8.4M	7.34M	6.34M	6.19M
Long-Term Debt	212M	359M	316M	316M	317M
Federal Home Loan Bank Debt - Long-Term	152M	-	-	-	-
Long-Term Leases	60.94M	58.66M	50.03M	44.79M	43.2M
Trust Preferred Securities (BS)	111M	111M	112M	113M	114M
Other Non Current Liabilities	151M	129M	134M	165M	164M
Total Liabilities	12.8B	14.6B	14.85B	15.06B	15.36B
Common Stock, Total	296M	296M	296M	296M	332M
Additional Paid In Capital	1.3B	1.3B	1.3B	1.31B	1.49B
Retained Earnings	616M	742M	858M	952M	1.09B
Treasury Stock	-102M	-118M	-112M	-105M	-97.2M
Comprehensive Income and Other	25.07M	-10.44M	-209M	-154M	-143M
Total Common Equity	2.13B	2.21B	2.14B	2.3B	2.68B
Total Equity	2.13B	2.21B	2.14B	2.3B	2.68B
Total Liabilities And Equity	14.93B	16.81B	16.99B	17.36B	18.03B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	56.24M	55.82M	56.02M	56.22M	63.66M
ECS Total Common Shares Outstanding	56.2M	55.76M	55.95M	56.14M	63.57M
Book Value / Share	37.95	39.63	38.18	40.92	42.13
Tangible Book Value	1.16B	1.25B	1.12B	1.29B	1.68B
Tangible Book Value Per Share	20.69	22.35	20.02	22.92	26.36
Average Assets	14.5B	15.91B	16.64B	17.23B	17.55B
Average Loans	10.95B	10.76B	10.88B	12.14B	12.8B
Total Debt	587M	566M	1.23B	822M	620M
Deposits at Interest - Cash	457M	1.7B	382M	595M	894M
Debt Equivalent of Unfunded Proj. Benefit Obligation	-2.32M	-2.83M	376K	76K	-463K
Net Debt	-79.81M	-1.33B	617M	-16.79M	-511M
Full Time Employees	2.52K	2.41K	2.33K	2.3K	2.2K
Number Of Offices	168	161	157	160	161

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	83.65M	176M	166M	145M	195M
Depreciation, Depletion & Amortization	18.7M	16.41M	25.83M	20.01M	18.24M
Amortization of Goodwill and Intangible Assets - (CF)	26.84M	27.53M	16.92M	15.22M	14.04M
Total Depreciation, Depletion & Amortization	45.54M	43.93M	42.74M	35.23M	32.28M
Gain (Loss) on Sale of Loans & Receivables - (CF)	-150M	-82.4M	-15.8M	-14.57M	-16.61M
(Gain) Loss On Sale of Asset - (CF)	38K	-840K	-3.2M	-720K	-56.79M
(Gain) Loss on Sale of Investments - (CF)	-46K	-2.17M	-	41.79M	-
Provision for Credit Losses	86.85M	-1.67M	23.79M	15.59M	9.27M
Stock-Based Compensation (CF)	10.58M	10.07M	11.5M	13.72M	13.88M
Net (Increase) Decrease in Loans Originated / Sold - Operating	50.91M	56.18M	364M	-53.55M	-52.81M
Change in Other Net Operating Assets (Collected)	-32.15M	-63.73M	-35.87M	-27.99M	-22.87M
Other Operating Activities	-12.72M	7.39M	20.8M	-5.62M	27.6M
Cash from Operations	82.24M	143M	574M	149M	129M
Capital Expenditure	-28.27M	-20.52M	-14.84M	-21.63M	-13.64M
Sale of Property, Plant, and Equipment	-	9.81M	1.23M	943K	344K
Cash Acquisitions	-	-	-121M	-	-
Divestitures	-	-	-	-	55.33M
Investment in Marketable and Equity Securities, Total	-32.77M	-1.52B	-352M	736M	194M
Net (Increase) Decrease in Loans Originated / Sold - Investing	-1.23B	910M	-1.46B	-792M	-543M
Other Investing Activities, Total	28.72M	-36.02M	-101M	21.04M	9.46M
Cash from Investing	-1.27B	-660M	-2.04B	-55.4M	-298M
Short Term Debt Issued, Total	-	-	669M	-	-
Long-Term Debt Issued, Total	98.27M	197M	-	-	-
Total Debt Issued	98.27M	197M	669M	-	-
Short Term Debt Repaid, Total	-468M	-7.39M	-	-405M	-200M
Long-Term Debt Repaid, Total	-171K	-203M	-32.42M	-2.68M	-245K
Total Debt Repaid	-468M	-210M	-32.42M	-407M	-200M
Issuance of Common Stock	-	-	-	-	217M
Repurchase of Common Stock	-24.57M	-21.32M	-	-	-
Common Dividends Paid	-50.13M	-50.02M	-49.99M	-50.28M	-53.73M
Common & Preferred Stock Dividends Paid	-50.13M	-50.02M	-49.99M	-50.28M	-53.73M
Net Increase (Decrease) in Deposit Accounts - (CF)	1.85B	1.85B	-419M	590M	496M
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	1.4B	1.76B	168M	132M	459M
Net Change in Cash	218M	1.24B	-1.3B	225M	291M
Supplemental Items
Cash Interest Paid	73.69M	45.74M	54.56M	240M	381M
Cash Income Tax Paid (Refund)	39.99M	50.98M	41.76M	42.05M	29.06M
Net Debt Issued / Repaid	-370M	-13.2M	636M	-407M	-200M

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.59	1.11	0.98	0.84	1.1
Return On Equity %	3.93	8.1	7.64	6.53	7.86
Return on Common Equity	3.93	8.1	7.64	6.53	7.86
Shareholders Value Added	-140M	-56.91M	-76.19M	-106M	-80.7M
Margin Analysis
SG&A Margin	69.4	58.54	58.59	61.62	54.17
Net Interest Income / Total Revenues %	74.16	64.97	79.32	84.2	72.49
EBT Excl. Non-Recurring Items Margin %	21.08	35.14	35.24	28.73	36.56
Income From Continuing Operations Margin %	14.54	26.95	27.37	23.46	27.66
Net Income Margin %	14.54	26.95	27.37	23.46	27.66
Net Avail. For Common Margin %	14.54	26.95	27.37	23.46	27.66
Normalized Net Income Margin	13.18	21.96	22.03	17.95	22.85
Asset quality
Nonperforming Loans / Total Loans %	0.51	0.51	0.49	0.56	0.88
Nonperforming Loans / Total Assets %	0.37	0.3	0.33	0.4	0.63
Nonperforming Assets / Total Assets %	0.41	0.32	0.35	0.46	0.68
NPAs / Loans and OREO	0.56	0.53	0.51	0.64	0.95
NPAs / Equity	2.88	2.41	2.75	3.44	4.55
Allowance for Credit Losses / Net Charge-offs %	4.57K	1.6K	2.62K	1.61K	2.5K
Allowance for Credit Losses / Nonperforming Loans %	317.55	323.14	337.73	286.26	178.11
Allowance for Credit Losses / Total Loans %	1.61	1.64	1.66	1.61	1.57
Net Charge-offs / Total Average Loans %	0.04	0.1	0.07	0.1	0.06
Provision for Loan Losses / Net Charge-offs %	2.25K	-16.24	324.57	126.46	114.91
Earning Assets / IBL	144.1	153.35	156.18	142.32	137.97
Interest Income / Average Assets	3.43	2.95	3.26	4.63	5.06
Interest Expense / Average Assets	0.49	0.28	0.36	1.61	2.14
Net Interest Income / Average Assets	2.94	2.67	2.89	3.01	2.92
Non Interest Income / Average Assets	1.62	1.43	0.9	0.66	1.16
Non Interest Expense / Average Asset	3.13	2.66	2.36	2.55	2.55
Capital And Funding
Total Average Common Equity / Total Average Assets %	15.03	13.68	12.86	12.91	14.06
Total Average Equity / Total Average Assets %	15.03	13.68	12.86	12.91	14.06
Total Equity + Allowance for Loan Losses / Total Loans %	21.11	23.68	20.1	20.2	22.34
Gross Loans / Total Deposits %	90.7	72.09	85.9	87.79	88.45
Net Loans / Total Deposits %	89.21	70.88	84.42	86.33	87.03
Tier 1 Capital Ratio %	11.91	12.1	11.01	11.3	13.5
Total Capital Ratio %	15.07	16.14	14.63	14.93	17.08
Core Tier 1 Capital Ratio	10.93	11.18	10.21	10.52	12.73
Equity Tier 1 Capital Ratio	8.33	7.86	7.01	7.87	9.84
Coverage Ratio	397.17	490.81	652.26	435.47	305.4
Leverage Ratio %	9.37	9.15	9.36	9.62	11.34
Interbank Ratio	2.14K	12.15K	3.13K	7.85K	11.15K
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	6.98	15.19	9.35	4.88	9.45
EBT + Interest Expense / Interest Expense	2.45	5.99	4.49	1.64	1.65
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-3.8	-0.66	13.51	7.9	-1.37
Non Interest Income, 1 Yr. Growth %	53.69	-3.63	-34.25	-24.24	80.11
Provision For Loan Losses, 1 Yr. Growth %	1.13K	-101.92	-1.53K	-34.68	-40.53
Total Revenues, 1 Yr. Growth %	-2.44	13.41	-7.03	1.67	14.55
Earnings From Cont. Operations, 1 Yr. Growth %	-50.09	110.27	-5.59	-12.88	35.1
Net Income, 1 Yr. Growth %	-50.09	110.27	-5.59	-12.88	35.1
Normalized Net Income, 1 Yr. Growth %	-43.84	92.36	-4.2	-17.14	45.79
Diluted EPS Before Extra, 1 Yr. Growth %	-48.61	110.81	-5.45	-13.22	27.73
Dividend Per Share, 1 Yr. Growth %	1.15	0	0	0	0
Gross Loans, 1 Yr. Growth %	12.84	-8.35	15.57	6.67	4.3
Allowance For Loan Losses, 1 Yr. Growth %	237.69	-6.8	17.01	3.38	1.6
Net Loans, 1 Yr. Growth %	11.62	-8.37	15.52	6.73	4.37
Non Performing Loans, 1 Yr. Growth %	52.72	-8.41	11.95	21.97	63.29
Non Performing Assets, 1 Yr. Growth %	38.6	-13.18	9.92	34.71	54.38
Total Assets, 1 Yr. Growth %	11.41	12.6	1.06	2.19	3.88
Total Deposits, 1 Yr Growth %	18.07	15.31	-3.01	4.37	3.52
Tangible Book Value, 1 Yr. Growth %	1.23	7.15	-10.11	14.89	30.18
Average Interest Earning Assets, 1 Yr. Growth %	14.46	11.35	5.52	3.57	2
Average Interest Bearing Liabilities, 1 Yr. Growth %	7.77	4.63	3.61	13.65	5.22
Common Equity, 1 Yr. Growth %	0.33	3.62	-3.34	7.55	16.58
Total Equity, 1 Yr. Growth %	0.33	3.62	-3.34	7.55	16.58
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	3.75	-2.24	6.19	10.67	3.16
Non Interest Income, 2 Yr. CAGR %	27.91	21.7	-20.4	-29.42	16.81
Provision For Loan Losses, 2 Yr. CAGR %	257.12	-51.36	-47.66	168.19	-37.67
Total Revenues, 2 Yr. CAGR %	3.84	5.19	2.68	-2.82	7.92
Earnings From Cont. Operations, 2 Yr. CAGR %	-24.54	2.45	40.9	-9.31	8.49
Net Income, 2 Yr. CAGR %	-24.54	2.45	40.9	-9.31	8.49
Normalized Net Income, 2 Yr. CAGR %	-22.67	3.03	38.88	-10.9	9.91
Diluted EPS Before Extra, 2 Yr. CAGR %	-27.17	4.08	41.18	-9.42	5.28
Dividend Per Share, 2 Yr. CAGR %	4.88	0.57	0	0	0
Gross Loans, 2 Yr. CAGR %	9.72	1.7	2.92	11.03	5.48
Allowance For Loan Losses, 2 Yr. CAGR %	89.55	77.41	4.43	9.98	2.49
Net Loans, 2 Yr. CAGR %	9.12	1.13	2.88	11.04	5.54
Non Performing Loans, 2 Yr. CAGR %	46.15	18.27	1.26	16.85	41.12
Non Performing Assets, 2 Yr. CAGR %	28.84	9.7	-2.31	21.69	44.21
Total Assets, 2 Yr. CAGR %	7.43	12	6.67	1.62	3.03
Total Deposits, 2 Yr CAGR %	9.11	16.69	5.75	0.61	3.95
Tangible Book Value, 2 Yr. CAGR %	4.44	4.15	-1.86	1.63	22.3
Average Interest Earning Assets, 2 Yr. CAGR %	14.3	12.89	8.39	4.54	2.78
Average Interest Bearing Liabilities, 2 Yr. CAGR %	9.75	6.19	4.12	8.51	9.35
Common Equity, 2 Yr. CAGR %	2.15	1.96	0.08	1.96	11.98
Total Equity, 2 Yr. CAGR %	2.15	1.96	0.08	1.96	11.98
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	8.2	2.26	2.75	6.76	6.5
Non Interest Income, 3 Yr. CAGR %	21.25	16.39	-0.88	-21.7	-3.55
Provision For Loan Losses, 3 Yr. CAGR %	125.74	-37.43	49.99	-43.59	62.33
Total Revenues, 3 Yr. CAGR %	7.64	6.94	0.95	2.34	2.66
Earnings From Cont. Operations, 3 Yr. CAGR %	-3.19	6.18	-0.3	20.04	3.58
Net Income, 3 Yr. CAGR %	-3.19	6.18	-0.3	20.04	3.58
Normalized Net Income, 3 Yr. CAGR %	-10.72	4.17	-0.34	16.92	4.99
Diluted EPS Before Extra, 3 Yr. CAGR %	-8.94	3.8	0.8	20.04	1.58
Dividend Per Share, 3 Yr. CAGR %	6.43	3.23	0.38	0	0
Gross Loans, 3 Yr. CAGR %	12.79	3.33	6.12	4.15	8.74
Allowance For Loan Losses, 3 Yr. CAGR %	56.21	49.61	54.42	4.08	7.11
Net Loans, 3 Yr. CAGR %	12.41	2.95	5.72	4.15	8.77
Non Performing Loans, 3 Yr. CAGR %	33.3	25.07	16.12	7.74	30.64
Non Performing Assets, 3 Yr. CAGR %	16.01	12.96	9.77	8.74	31.73
Total Assets, 3 Yr. CAGR %	14.95	9.13	8.23	5.16	2.37
Total Deposits, 3 Yr CAGR %	15.04	11.14	9.71	5.29	1.57
Tangible Book Value, 3 Yr. CAGR %	9.76	5.34	-0.84	3.44	10.37
Average Interest Earning Assets, 3 Yr. CAGR %	14.99	13.3	10.38	6.76	3.68
Average Interest Bearing Liabilities, 3 Yr. CAGR %	11.54	8.02	5.32	7.2	7.4
Common Equity, 3 Yr. CAGR %	12.08	2.64	0.16	2.51	6.62
Total Equity, 3 Yr. CAGR %	12.08	2.64	0.16	2.51	6.62
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	12.08	7.09	7.39	5.54	2.91
Non Interest Income, 5 Yr. CAGR %	16.82	10.55	2.47	-4.72	5.85
Provision For Loan Losses, 5 Yr. CAGR %	78.82	-26.03	25.8	18.02	5.63
Total Revenues, 5 Yr. CAGR %	10.78	8.66	5.63	2.94	3.68
Earnings From Cont. Operations, 5 Yr. CAGR %	4.23	14.11	12.49	-0.31	3.12
Net Income, 5 Yr. CAGR %	4.23	14.11	12.49	-0.31	3.12
Normalized Net Income, 5 Yr. CAGR %	1.72	9.69	4.64	-2.67	3.64
Diluted EPS Before Extra, 5 Yr. CAGR %	-4.67	7.53	8.52	-1.71	2.57
Dividend Per Share, 5 Yr. CAGR %	5.29	4.39	3.81	1.92	0.23
Gross Loans, 5 Yr. CAGR %	15.1	10.07	8.73	6.34	5.86
Allowance For Loan Losses, 5 Yr. CAGR %	32.93	30.89	32.97	32.28	31.07
Net Loans, 5 Yr. CAGR %	14.9	9.86	8.49	6.11	5.65
Non Performing Loans, 5 Yr. CAGR %	4.08	7.42	19.42	21.71	25.54
Non Performing Assets, 5 Yr. CAGR %	-7.61	-4.87	8.3	16.37	22.43
Total Assets, 5 Yr. CAGR %	13.5	14.08	11.56	6.06	6.12
Total Deposits, 5 Yr CAGR %	14.16	14.52	11.23	6.8	7.37
Tangible Book Value, 5 Yr. CAGR %	15.65	11.04	4.96	3.84	7.84
Average Interest Earning Assets, 5 Yr. CAGR %	16.14	14.01	12.31	9.71	7.27
Average Interest Bearing Liabilities, 5 Yr. CAGR %	12.79	9.86	8.51	8.21	6.91
Common Equity, 5 Yr. CAGR %	15.52	12.38	7.11	2.37	4.73
Total Equity, 5 Yr. CAGR %	15.52	12.38	7.11	2.37	4.73