Cash flow Royal Bank of Canada

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RY

CA7800871021

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Published financial data: ROYAL BANK OF CANADA

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: October	2021	2022	2023	2024	2025
Interest Income On Loans	21.65B	26.56B	43.46B	54.04B	56.04B
Interest Income On Investments	6.49B	14.21B	43.53B	50.91B	47.78B
Interest Income, Total	28.14B	40.77B	86.99B	105B	104B
Interest On Deposits	5.45B	10.75B	36.68B	47.26B	44.82B
Total Interest On Borrowings	2.7B	7.3B	25.18B	29.74B	26.01B
Interest Expense, Total	8.14B	18.05B	61.86B	77B	70.82B
Net Interest Income	20B	22.72B	25.13B	27.95B	33B
Trust Income	7.13B	7.61B	8.34B	9.32B	10.65B
Income From Trading Activities	1.18B	926M	2.39B	2.33B	3.12B
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	145M	43M	193M	170M	120M
Income (Loss) on Equity Invest. (Income Block)	130M	110M	-219M	-16M	73M
Total Other Non Interest Income	21.1B	17.58B	20.29B	17.58B	19.64B
Non Interest Income, Total	29.69B	26.27B	31B	29.39B	33.6B
Revenues Before Provison For Loan Losses	49.69B	48.98B	56.13B	57.34B	66.6B
Provision For Loan Losses	-753M	484M	2.47B	3.23B	4.36B
Total Revenues	50.45B	48.5B	53.66B	54.11B	62.24B
Salaries And Other Employee Benefits	14.42B	16.07B	18.22B	18.13B	20.62B
Amort. of Goodwill & Intang. Assets	1.29B	1.37B	1.49B	1.55B	1.76B
Selling General & Admin Expenses, Total	7.97B	6.71B	8.26B	11.19B	10.64B
Total Other Non Interest Expense	6.14B	4.25B	7.23B	3.38B	3.57B
Non Interest Expense, Total	29.82B	28.39B	35.2B	34.25B	36.59B
EBT, Excl. Unusual Items	20.63B	20.11B	18.47B	19.86B	25.65B
EBT, Incl. Unusual Items	20.63B	20.11B	18.47B	19.86B	25.65B
Income Tax Expense	4.58B	4.3B	3.6B	3.62B	5.28B
Earnings From Continuing Operations	16.05B	15.81B	14.87B	16.24B	20.37B
Net Income to Company	16.05B	15.81B	14.87B	16.24B	20.37B
Minority Interest	-12M	-13M	-7M	-10M	-7M
Net Income - (IS)	16.04B	15.79B	14.86B	16.23B	20.36B
Preferred Dividend and Other Adjustments	257M	247M	236M	322M	494M
Net Income to Common Incl Extra Items	15.78B	15.55B	14.62B	15.91B	19.87B
Net Income to Common Excl. Extra Items	15.78B	15.55B	14.62B	15.91B	19.87B
Per Share Items
Net EPS - Basic	11.08	11.08	10.51	11.27	14.1
Basic EPS - Continuing Operations	11.08	11.08	10.51	11.27	14.1
Basic Weighted Average Shares Outstanding	1.42B	1.4B	1.39B	1.41B	1.41B
Net EPS - Diluted	11.06	11.06	10.5	11.25	14.07
Diluted EPS - Continuing Operations	11.06	11.06	10.5	11.25	14.07
Diluted Weighted Average Shares Outstanding	1.43B	1.41B	1.39B	1.41B	1.41B
Normalized Basic EPS	9.04	8.94	8.29	8.79	11.37
Normalized Diluted EPS	9.03	8.93	8.28	8.77	11.35
Dividend Per Share	4.32	4.96	5.34	5.6	6.04
Payout Ratio	40.03	44.07	37.34	40.89	43.22
Supplemental Items
Effective Tax Rate - (Ratio)	22.2	21.39	19.5	18.24	20.59
Total Current Taxes	4.78B	3.92B	4.83B	5.12B	5.64B
Total Deferred Taxes	-204M	381M	-1.23B	-1.5B	-354M
Normalized Net Income	12.88B	12.56B	11.53B	12.4B	16.02B
Non-Cash Pension Expense	22M	-74M	-153M	-132M	-93M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	2.12B	461M	747M	2.95B	2.5B
Total Stock-Based Compensation	2.12B	461M	747M	2.95B	2.5B

Fiscal Period: October	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	112B	70.4B	58.99B	54.72B	34.02B
Investment Securities, Total	531B	594B	629B	672B	701B
Trading Asset Securities, Total	185B	247B	239B	344B	411B
Mortgage Backed Securities	2.75B	2.89B	2.7B	2.63B	2.67B
Total investments	719B	843B	870B	1,018B	1,114B
Gross Loans	722B	824B	858B	988B	1,050B
Allowance For Loan Losses	-4.09B	-3.75B	-5B	-6.04B	-7.09B
Net Loans	718B	821B	853B	982B	1,043B
Gross Property Plant And Equipment	15.1B	12.42B	12.83B	13.93B	14.5B
Accumulated Depreciation	-7.68B	-5.2B	-6.08B	-7.08B	-7.68B
Net Property Plant And Equipment	7.42B	7.21B	6.75B	6.85B	6.82B
Goodwill	10.85B	12.28B	12.59B	19.29B	19.4B
Other Intangibles, Total	4.47B	6.08B	5.91B	7.8B	7.4B
Accrued Interest Receivable	2.2B	4.7B	7.78B	7.9B	8.34B
Other Receivables	13.34B	14.48B	21.52B	21.78B	18.39B
Restricted Cash	16.54B	27.63B	23.1B	22.48B	30.42B
Other Current Assets, Total	89.46B	97.22B	136B	17.16B	22.66B
Deferred Tax Assets Long-Term (Collected)	2.01B	1.47B	2.45B	4.33B	4.49B
Other Long-Term Assets, Total	11.05B	11.82B	6.73B	9.35B	15.74B
Total Assets	1,706B	1,917B	2,005B	2,172B	2,325B
Liabilities
Accounts Payable, Total	1.87B	1.29B	1.6B	1.48B	1.66B
Accrued Expenses, Total	15.8B	19.96B	17.15B	20.05B	23.06B
Interest Bearing Deposits	462B	469B	1,044B	541B	597B
Institutional Deposits	416B	521B	-	670B	704B
Non-Interest Bearing Deposits	223B	219B	187B	198B	215B
Total Deposits	1,101B	1,209B	1,232B	1,410B	1,516B
Short-Term Borrowings	7.92B	19.65B	16.22B	14B	20.5B
Current Portion of Long-Term Debt	262B	273B	335B	305B	290B
Current Portion of Leases	631M	654M	653M	709M	694M
Long-Term Debt	102B	164B	154B	178B	197B
Long-Term Leases	4.45B	4.46B	4.11B	3.96B	3.89B
Current Income Taxes Payable	3.4B	2.14B	2.96B	2.4B	2.85B
Accrued Interest Payable	2.18B	5.02B	10.94B	13.23B	11.78B
Other Current Liabilities - (Bank / Utility Template)	77.92B	83.29B	85.19B	57.48B	74.71B
Unearned Revenue Non Current	3.52B	3.66B	3.83B	4.15B	4.28B
Pension & Other Post Retirement Benefits	2.04B	1.67B	1.61B	1.92B	1.97B
Deferred Tax Liability Non-Current	74M	439M	426M	542M	484M
Other Non Current Liabilities	23.71B	20.54B	21.6B	32.31B	36.93B
Total Liabilities	1,608B	1,809B	1,887B	2,044B	2,186B
Preferred Stock Redeemable	23M	23M	23M	-	-
Preferred Stock Non Redeemable	4B	4B	4B	5.37B	8.59B
Preferred Stock Convertible	2.7B	3.3B	3.3B	3.65B	3.05B
Preferred Stock - Others	-39M	-5M	-9M	11M	32M
Total Preferred Equity	6.68B	7.32B	7.31B	9.03B	11.68B
Common Stock, Total	17.73B	17.32B	19.4B	21.01B	20.86B
Retained Earnings	71.8B	78.04B	84.33B	88.61B	96.94B
Treasury Stock	-73M	-334M	-231M	-61M	-110M
Comprehensive Income and Other	2.53B	5.72B	6.85B	8.5B	9.73B
Total Common Equity	91.98B	101B	110B	118B	127B
Minority Interest	95M	111M	99M	103M	59M
Total Equity	98.76B	108B	118B	127B	139B
Total Liabilities And Equity	1,706B	1,917B	2,005B	2,172B	2,325B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.42B	1.38B	1.41B	1.42B	1.4B
ECS Total Common Shares Outstanding	1.42B	1.38B	1.4B	1.41B	1.4B
Book Value / Share	64.57	72.85	78.79	83.46	91
Tangible Book Value	76.66B	82.39B	91.85B	90.97B	101B
Tangible Book Value Per Share	53.81	59.57	65.58	64.32	71.86
Average Assets	1,678B	1,887B	2,003B	2,108B	2,398B
Average Loans	679B	768B	832B	918B	1,009B
Total Debt	376B	462B	510B	501B	513B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-2.39B	-3.13B	-2.64B	-3.38B	-3.75B
Net Debt	-308B	-281B	-199B	-314B	-292B
Equity Method Investments, Total	654M	711M	501M	835M	829M
Full Time Employees	85.3K	91.43K	91.4K	94.84K	96.63K
Number Of Offices	1.3K	1.27K	1.25K	1.29K	1.26K

Fiscal Period: October	2021	2022	2023	2024	2025
Net Income	16.04B	15.79B	14.86B	16.23B	20.36B
Depreciation, Depletion & Amortization	1.28B	1.26B	1.28B	1.36B	1.29B
Amortization of Goodwill and Intangible Assets - (CF)	251M	256M	332M	546M	612M
Total Depreciation, Depletion & Amortization	1.53B	1.52B	1.61B	1.91B	1.9B
Amortization of Deferred Charges, Total	1.04B	1.11B	1.16B	1.09B	1.15B
(Gain) Loss On Sale of Asset - (CF)	-26M	-100M	-92M	29M	-
(Gain) Loss on Sale of Investments - (CF)	-278M	-151M	28M	-170M	-132M
Total Asset Writedown	29M	18M	108M	-17M	34M
Provision for Credit Losses	-753M	484M	2.47B	3.23B	4.36B
(Income) Loss On Equity Investments - (CF)	-	-	-	16M	-73M
Change in Trading Asset Securities	14.78B	-67.83B	-30.12B	4.09B	-62.36B
Changes in Accrued Interest Receivable	-509M	333M	2.84B	1.67B	-1.88B
Change In Income Taxes	1.74B	-3.34B	-986M	945M	-936M
Change in Other Net Operating Assets (Collected)	-62.01B	-35.02B	-8.79B	-95.96B	-13.08B
Other Operating Activities	593M	582M	-988M	-1.52B	-209M
Cash from Operations	-27.83B	-86.59B	-17.91B	-68.46B	-50.86B
Capital Expenditure	-2.19B	-2.5B	-2.73B	-2.28B	-2.24B
Sale of Property, Plant, and Equipment	78M	-	1.71B	-	-
Cash Acquisitions	-	-2.05B	-	-12.72B	-
Divestitures	-	-	-	15M	-
Investment in Marketable and Equity Securities, Total	-55.24B	-52.19B	-27.25B	-5.91B	-66.33B
Other Investing Activities, Total	-	-313M	-	-	-
Cash from Investing	-57.35B	-57.05B	-28.26B	-20.89B	-68.57B
Short Term Debt Issued, Total	-	9.61B	-	-	2.8B
Long-Term Debt Issued, Total	2.75B	1B	1.5B	3.25B	2.99B
Total Debt Issued	2.75B	10.61B	1.5B	3.25B	5.8B
Short Term Debt Repaid, Total	-14M	-	-5.1B	-4.51B	-
Long-Term Debt Repaid, Total	-3.12B	-821M	-825M	-2.14B	-3.54B
Total Debt Repaid	-3.14B	-821M	-5.93B	-6.64B	-3.54B
Issuance of Common Stock	4.85B	5.52B	4.24B	6.88B	10.77B
Repurchase of Common Stock	-4.74B	-11.13B	-4.08B	-6.67B	-13.5B
Issuance of Preferred Stock	2.24B	749M	-	2.7B	4.94B
Repurchase of Preferred Stock	-1.48B	-155M	-	-1.02B	-2.35B
Common Dividends Paid	-6.16B	-6.71B	-5.31B	-6.32B	-8.31B
Preferred Dividends Paid	-257M	-247M	-236M	-322M	-494M
Common & Preferred Stock Dividends Paid	-6.42B	-6.96B	-5.55B	-6.64B	-8.8B
Net Increase (Decrease) in Deposit Accounts - (CF)	88.88B	109B	43.99B	91.6B	106B
Other Financing Activities, Total	-3M	-5M	-21M	-6M	-39M
Cash from Financing	82.95B	106B	34.16B	83.45B	99.37B
Foreign Exchange Rate Adjustments	-2.81B	-4.15B	1.61B	628M	361M
Net Change in Cash	-5.04B	-41.45B	-10.41B	-5.27B	-19.7B
Supplemental Items
Cash Interest Paid	7.56B	13.68B	54.7B	73.64B	70.98B
Cash Income Tax Paid (Refund)	4.2B	7.33B	4.96B	3.41B	6.09B
Net Debt Issued / Repaid	-385M	9.79B	-4.43B	-3.39B	2.26B

Fiscal Period: October	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.96	0.87	0.76	0.78	0.91
Return On Equity %	17.3	15.28	13.16	13.4	15.3
Return on Common Equity	18.28	16.13	13.85	14.09	16.19
Shareholders Value Added	5.93B	4.49B	2.53B	3.23B	6.25B
Margin Analysis
SG&A Margin	44.39	46.96	49.35	54.18	50.23
Net Interest Income / Total Revenues %	39.65	46.84	46.83	51.66	53.02
EBT Excl. Non-Recurring Items Margin %	40.9	41.46	34.41	36.71	41.21
Income From Continuing Operations Margin %	31.82	32.59	27.7	30.01	32.72
Net Income Margin %	31.79	32.56	27.69	29.99	32.71
Net Avail. For Common Margin %	31.28	32.06	27.25	29.4	31.92
Normalized Net Income Margin	25.54	25.89	21.49	22.92	25.75
Asset quality
Nonperforming Loans / Total Loans %	0.32	0.27	0.43	0.59	0.83
Nonperforming Loans / Total Assets %	0.14	0.11	0.18	0.27	0.37
Nonperforming Assets / Total Assets %	0.14	0.11	0.18	0.27	0.37
NPAs / Loans and OREO	0.32	0.27	0.43	0.59	0.83
NPAs / Equity	2.34	2.03	3.15	4.61	6.24
Allowance for Credit Losses / Net Charge-offs %	514.99	491.87	412.53	290.38	245.94
Allowance for Credit Losses / Nonperforming Loans %	177.17	170.67	135.1	102.9	81.7
Allowance for Credit Losses / Total Loans %	0.57	0.46	0.58	0.61	0.68
Net Charge-offs / Total Average Loans %	0.12	0.1	0.15	0.23	0.29
Provision for Loan Losses / Net Charge-offs %	-94.84	63.43	203.46	155.46	151.25
Earning Assets / IBL	112.42	115.2	114.61	114.77	114.6
Interest Income / Average Assets	1.68	2.16	4.34	4.98	4.33
Interest Expense / Average Assets	0.49	0.96	3.09	3.65	2.95
Net Interest Income / Average Assets	1.19	1.2	1.25	1.33	1.38
Non Interest Income / Average Assets	1.77	1.39	1.55	1.39	1.4
Non Interest Expense / Average Asset	1.78	1.5	1.76	1.62	1.53
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.18	5.32	5.38	5.4	5.46
Total Average Equity / Total Average Assets %	5.57	5.71	5.76	5.8	5.92
Total Equity + Allowance for Loan Losses / Total Loans %	14.22	13.56	14.29	13.48	13.92
Gross Loans / Total Deposits %	65.62	68.19	69.69	70.09	69.28
Net Loans / Total Deposits %	65.25	67.88	69.29	69.66	68.82
Tier 1 Capital Ratio %	14.9	13.8	15.7	14.6	15.1
Total Capital Ratio %	16.7	15.4	17.6	16.4	16.8
Core Tier 1 Capital Ratio	13.7	12.6	14.5	13.2	13.5
Tier 2 Capital Ratio	1.77	1.58	1.85	1.86	1.64
Coverage Ratio	177.17	170.67	135.1	102.9	81.7
Interbank Ratio	127.4	133.93	108.26	118.07	109.41
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	8.66	3.75	1.73	1.67	1.99
EBT + Interest Expense / Interest Expense	3.53	2.11	1.3	1.26	1.36
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-4	13.57	10.62	11.24	18.06
Non Interest Income, 1 Yr. Growth %	12.7	-11.53	18.01	11.6	14.34
Provision For Loan Losses, 1 Yr. Growth %	-117.31	-164.28	409.92	30.96	34.96
Total Revenues, 1 Yr. Growth %	17.78	-3.86	10.64	10.44	15.03
Earnings From Cont. Operations, 1 Yr. Growth %	40.33	-1.51	-5.95	11.14	25.42
Net Income, 1 Yr. Growth %	40.29	-1.52	-5.92	11.13	25.46
Normalized Net Income, 1 Yr. Growth %	43.33	-2.54	-8.13	9.21	29.19
Diluted EPS Before Extra, 1 Yr. Growth %	41.38	0	-5.06	9.01	25.07
Dividend Per Share, 1 Yr. Growth %	0.7	14.81	7.66	4.87	7.86
Gross Loans, 1 Yr. Growth %	8.21	14.11	4.13	15.1	6.29
Allowance For Loan Losses, 1 Yr. Growth %	-27.49	-8.22	33.33	20.64	17.49
Net Loans, 1 Yr. Growth %	8.52	14.24	4	15.07	6.22
Non Performing Loans, 1 Yr. Growth %	-27.76	-4.72	68.44	58.4	47.98
Non Performing Assets, 1 Yr. Growth %	-27.76	-4.72	68.44	58.4	47.98
Total Assets, 1 Yr. Growth %	5.03	12.36	4.58	8.23	7.06
Total Deposits, 1 Yr Growth %	8.79	9.81	1.89	14.44	7.53
Tangible Book Value, 1 Yr. Growth %	18.55	7.47	11.48	1.95	10.59
Average Interest Earning Assets, 1 Yr. Growth %	0.38	13.66	8.87	8.67	12.56
Average Interest Bearing Liabilities, 1 Yr. Growth %	0.63	10.91	9.44	8.51	12.73
Common Equity, 1 Yr. Growth %	13.95	9.53	9.53	9.58	7.93
Total Equity, 1 Yr. Growth %	13.82	9.53	8.86	10.46	9.4
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	0.64	4.42	12.09	10.93	14.6
Non Interest Income, 2 Yr. CAGR %	6.35	-0.15	2.18	5.78	12.96
Provision For Loan Losses, 2 Yr. CAGR %	-36.44	-66.65	81.04	158.41	32.94
Total Revenues, 2 Yr. CAGR %	6.91	6.41	3.14	5.63	12.71
Earnings From Cont. Operations, 2 Yr. CAGR %	11.67	17.56	-3.76	1.36	18.07
Net Income, 2 Yr. CAGR %	11.67	17.54	-3.75	1.37	18.08
Normalized Net Income, 2 Yr. CAGR %	13.87	18.19	-5.38	-0.6	18.78
Diluted EPS Before Extra, 2 Yr. CAGR %	12.43	18.9	-2.56	0.86	16.76
Dividend Per Share, 2 Yr. CAGR %	3.03	7.53	11.18	6.26	6.35
Gross Loans, 2 Yr. CAGR %	7.68	11.13	9.01	9.47	10.61
Allowance For Loan Losses, 2 Yr. CAGR %	14.85	-18.42	10.62	26.83	19.06
Net Loans, 2 Yr. CAGR %	7.64	11.34	9	9.39	10.56
Non Performing Loans, 2 Yr. CAGR %	-11.94	-17.04	26.68	63.34	53.1
Non Performing Assets, 2 Yr. CAGR %	-11.94	-17.04	26.68	63.34	53.1
Total Assets, 2 Yr. CAGR %	9.28	8.63	8.4	6.43	7.64
Total Deposits, 2 Yr CAGR %	11.47	9.3	5.78	7.98	10.93
Tangible Book Value, 2 Yr. CAGR %	11.28	12.87	9.46	5.08	6.18
Average Interest Earning Assets, 2 Yr. CAGR %	4.69	6.82	11.24	8.77	10.6
Average Interest Bearing Liabilities, 2 Yr. CAGR %	6.35	5.65	10.17	8.97	10.6
Common Equity, 2 Yr. CAGR %	8.72	11.72	9.53	8.25	8.75
Total Equity, 2 Yr. CAGR %	8.67	11.66	9.2	8.43	9.93
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	3.67	4.78	6.45	11.8	13.25
Non Interest Income, 3 Yr. CAGR %	6.44	0.02	5.57	-0.34	8.56
Provision For Loan Losses, 3 Yr. CAGR %	-16.79	-36.2	-17.22	62.51	108.1
Total Revenues, 3 Yr. CAGR %	6.92	3.19	7.8	2.37	8.67
Earnings From Cont. Operations, 3 Yr. CAGR %	8.89	7.09	9.13	0.39	8.82
Net Income, 3 Yr. CAGR %	8.95	7.09	9.13	0.4	8.84
Normalized Net Income, 3 Yr. CAGR %	9.47	8.11	8.67	-1.25	8.47
Diluted EPS Before Extra, 3 Yr. CAGR %	9.77	8.12	10.31	0.57	8.35
Dividend Per Share, 3 Yr. CAGR %	4.64	6.81	7.57	9.04	6.79
Gross Loans, 3 Yr. CAGR %	7.54	9.78	8.74	11	8.4
Allowance For Loan Losses, 3 Yr. CAGR %	11.98	6.58	-3.9	13.87	23.64
Net Loans, 3 Yr. CAGR %	7.52	9.8	8.84	10.98	8.32
Non Performing Loans, 3 Yr. CAGR %	1.87	-9.59	5.05	36.48	58.05
Non Performing Assets, 3 Yr. CAGR %	1.87	-9.59	5.05	36.48	58.05
Total Assets, 3 Yr. CAGR %	8.53	10.29	7.27	8.37	6.64
Total Deposits, 3 Yr CAGR %	9.6	10.91	6.77	8.59	7.83
Tangible Book Value, 3 Yr. CAGR %	9.92	10	12.41	5.87	6.89
Average Interest Earning Assets, 3 Yr. CAGR %	7.24	7.6	7.5	10.38	10.02
Average Interest Bearing Liabilities, 3 Yr. CAGR %	8.78	7.85	6.9	9.62	10.21
Common Equity, 3 Yr. CAGR %	7.74	8.99	10.98	8.67	8.14
Total Equity, 3 Yr. CAGR %	7.3	8.96	10.72	8.8	8.76
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	3.89	5.8	6.96	7.2	9.63
Non Interest Income, 5 Yr. CAGR %	5.93	2.23	4.71	2.28	4.99
Provision For Loan Losses, 5 Yr. CAGR %	-13.4	-15.89	13.56	11.64	0.05
Total Revenues, 5 Yr. CAGR %	6.25	4.18	5.39	4.16	7.76
Earnings From Cont. Operations, 5 Yr. CAGR %	8.94	6.63	3.64	4.76	12.24
Net Income, 5 Yr. CAGR %	9.04	6.69	3.68	4.76	12.24
Normalized Net Income, 5 Yr. CAGR %	9.3	6.58	3.27	4.54	12.26
Diluted EPS Before Extra, 5 Yr. CAGR %	10.29	7.91	4.66	5.15	12.46
Dividend Per Share, 5 Yr. CAGR %	5.92	7.34	7.21	6.59	7.08
Gross Loans, 5 Yr. CAGR %	6.59	8.59	8.13	9.66	9.48
Allowance For Loan Losses, 5 Yr. CAGR %	12.84	11.69	11.44	14.26	4.69
Net Loans, 5 Yr. CAGR %	6.56	8.58	8.11	9.64	9.52
Non Performing Loans, 5 Yr. CAGR %	-9.97	-3.12	11.15	14.54	22.13
Non Performing Assets, 5 Yr. CAGR %	-9.97	-3.12	11.15	14.54	22.13
Total Assets, 5 Yr. CAGR %	7.65	9.59	8.48	8.73	7.43
Total Deposits, 5 Yr CAGR %	7.76	8.89	8.05	9.73	8.42
Tangible Book Value, 5 Yr. CAGR %	9.59	9.67	9.73	8	9.24
Average Interest Earning Assets, 5 Yr. CAGR %	6.73	8.92	8.82	8.06	8.73
Average Interest Bearing Liabilities, 5 Yr. CAGR %	7.83	9.68	9.33	8.3	8.36
Common Equity, 5 Yr. CAGR %	7.42	8.37	8.45	8.69	9.56
Total Equity, 5 Yr. CAGR %	6.64	7.77	8.05	8.75	9.91