Income Statement Standard Chartered PLC

Equities

STAN

GB0004082847

Banks

Real-time Estimate Cboe Europe Other stock markets 05:44:36 2025-07-14 am EDT			5-day change	1st Jan Change
1,293.25 ^GBX	+0.88%		+5.99%	+30.74%

05:16am	StanChart Buys Back Shares	MT
Jul. 11	Standard Chartered PLC bought back total 760,500 shares for GBP9.8 million on 10 July on other exchanges, HKEX posts	RE

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Published financial data: STANDARD CHARTERED PLC

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	12.29B	10.25B	15.25B	27.23B	27.86B
Interest Income, Total	12.29B	10.25B	15.25B	27.23B	27.86B
Interest On Deposits	5.44B	3.45B	7.66B	19.46B	21.5B
Interest Expense, Total	5.44B	3.45B	7.66B	19.46B	21.5B
Net Interest Income	6.85B	6.8B	7.59B	7.77B	6.37B
Income From Trading Activities	3.67B	3.43B	5.31B	6.29B	9.62B
Gain (Loss) on Sale of Assets	151M	859M	363M	389M	-187M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	431M	-143M	-515M	-965M	-237M
Total Other Non Interest Income	3.65B	3.46B	3.26B	3.67B	3.99B
Non Interest Income, Total	7.9B	7.6B	8.42B	9.39B	13.18B
Revenues Before Provison For Loan Losses	14.75B	14.4B	16.01B	17.16B	19.54B
Provision For Loan Losses	2.29B	263M	838M	528M	557M
Total Revenues	12.46B	14.14B	15.17B	16.63B	18.99B
Salaries And Other Employee Benefits	6.58B	7.17B	7.34B	7.92B	7.99B
Occupancy Expense	1.66B	1.57B	1.19B	1.07B	1.13B
Selling General & Admin Expenses, Total	1.96B	1.86B	2.31B	2.45B	3.2B
(Income) Loss on Equity Invest.	-151M	-196M	-156M	-141M	-108M
Total Other Non Interest Expense	114M	-	-	-	-
Non Interest Expense, Total	10.16B	10.4B	10.68B	11.3B	12.21B
EBT, Excl. Unusual Items	2.3B	3.74B	4.49B	5.33B	6.78B
Restructuring Charges	-323M	-336M	-115M	-114M	-176M
Impairment of Goodwill	-489M	-	-14M	-	-
Asset Writedown	-36M	-55M	-79M	-130M	-588M
Legal Settlements	165M	-	-	-	-
Other Unusual Items	-	-	-	10M	-
EBT, Incl. Unusual Items	1.61B	3.35B	4.29B	5.09B	6.01B
Income Tax Expense	862M	1.03B	1.38B	1.63B	1.97B
Earnings From Continuing Operations	751M	2.31B	2.9B	3.46B	4.04B
Net Income to Company	751M	2.31B	2.9B	3.46B	4.04B
Minority Interest	-27M	2M	46M	7M	8M
Net Income - (IS)	724M	2.32B	2.95B	3.47B	4.05B
Preferred Dividend and Other Adjustments	395M	410M	401M	452M	457M
Net Income to Common Incl Extra Items	329M	1.9B	2.55B	3.02B	3.59B
Net Income to Common Excl. Extra Items	329M	1.9B	2.55B	3.02B	3.59B
Per Share Items
Net EPS - Basic	0.1	0.61	0.86	1.09	1.41
Basic EPS - Continuing Operations	0.1	0.61	0.86	1.09	1.41
Basic Weighted Average Shares Outstanding	3.16B	3.11B	2.97B	2.78B	2.54B
Net EPS - Diluted	0.1	0.6	0.84	1.06	1.38
Diluted EPS - Continuing Operations	0.1	0.6	0.84	1.06	1.38
Diluted Weighted Average Shares Outstanding	3.2B	3.15B	3.02B	2.84B	2.61B
Normalized Basic EPS	0.45	0.75	0.96	1.2	1.67
Normalized Diluted EPS	0.44	0.74	0.94	1.17	1.63
Dividend Per Share	0.09	0.12	0.18	0.27	0.37
Payout Ratio	54.56	33.87	26.93	29.4	30.54
American Depositary Receipts Ratio (ADR)	0.1	0.1	0.1	0.1	0.1
Supplemental Items
Effective Tax Rate - (Ratio)	53.44	30.89	32.29	32.02	32.79
Current Domestic Taxes	-41M	9M	48M	-34M	17M
Current Foreign Taxes	709M	870M	1.22B	1.68B	1.74B
Total Current Taxes	668M	879M	1.27B	1.65B	1.76B
Total Deferred Taxes	194M	155M	115M	-19M	211M
Normalized Net Income	1.41B	2.34B	2.85B	3.34B	4.24B
Non-Cash Pension Expense	23M	-2M	5M	16M	10M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	132M	167M	199M	226M	334M
Total Stock-Based Compensation	132M	167M	199M	226M	334M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	87.37B	90.47B	70.78B	101B	83.42B
Investment Securities, Total	223B	254B	264B	260B	244B
Trading Asset Securities, Total	111B	100B	104B	116B	173B
Total investments	334B	354B	368B	376B	417B
Gross Loans	303B	315B	310B	284B	289B
Allowance For Loan Losses	-6.63B	-5.68B	-5.49B	-5.19B	-4.92B
Other Adjustments to Gross Loans	-	-	-	-	-
Net Loans	296B	310B	304B	279B	284B
Gross Property Plant And Equipment	9.76B	9.02B	8.71B	4.43B	4.85B
Accumulated Depreciation	-3.25B	-3.4B	-3.19B	-2.16B	-2.43B
Net Property Plant And Equipment	6.52B	5.62B	5.52B	2.27B	2.42B
Goodwill	2.62B	2.6B	2.47B	2.43B	2.39B
Other Intangibles, Total	2.45B	2.88B	3.4B	3.78B	3.4B
Other Receivables	808M	766M	503M	484M	663M
Restricted Cash	19.1B	17.37B	21.69B	16.49B	18.84B
Other Current Assets, Total	8.44B	7.44B	10.04B	9.17B	9.62B
Deferred Tax Assets Long-Term (Collected)	919M	859M	834M	702M	414M
Other Real Estate Owned And Foreclosed	23.2M	11.8M	14.9M	16.5M	23.7M
Other Long-Term Assets, Total	31.04B	35.77B	32.59B	31.91B	27.07B
Total Assets	789B	828B	820B	823B	850B
Liabilities
Accrued Expenses, Total	4.59B	4.71B	5.98B	7.08B	7.03B
Interest Bearing Deposits	480B	515B	503B	517B	514B
Total Deposits	480B	515B	503B	517B	514B
Short-Term Borrowings	122B	119B	124B	110B	128B
Current Portion of Long-Term Debt	30.84B	34.2B	32.38B	27.81B	31.28B
Current Portion of Leases	368M	293M	272M	248M	279M
Long-Term Debt	47.18B	49.34B	51.15B	57.59B	57.44B
Long-Term Leases	779M	894M	765M	810M	877M
Current Income Taxes Payable	660M	348M	583M	811M	726M
Other Current Liabilities - (Bank / Utility Template)	42.54B	41.52B	42.93B	43.67B	51.43B
Pension & Other Post Retirement Benefits	443M	210M	146M	183M	266M
Deferred Tax Liability Non-Current	695M	800M	769M	770M	567M
Other Non Current Liabilities	8.4B	8.57B	8.03B	7.33B	7.22B
Total Liabilities	738B	775B	770B	772B	798B
Preferred Stock Redeemable	75K	75K	75K	75K	75K
Preferred Stock - Others	1.49B	1.49B	1.49B	1.49B	1.49B
Total Preferred Equity	1.49B	1.49B	1.49B	1.49B	1.49B
Common Stock, Total	1.58B	1.54B	1.45B	1.33B	1.21B
Additional Paid In Capital	3.99B	3.99B	3.99B	3.99B	3.99B
Retained Earnings	26.14B	27.18B	28.07B	28.46B	28.97B
Comprehensive Income and Other	17.21B	18.06B	14.67B	14.68B	15.23B
Total Common Equity	48.91B	50.77B	48.17B	48.46B	49.4B
Minority Interest	325M	371M	350M	396M	394M
Total Equity	50.73B	52.64B	50.02B	50.35B	51.28B
Total Liabilities And Equity	789B	828B	820B	823B	850B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	3.15B	3.06B	2.87B	2.64B	2.39B
ECS Total Common Shares Outstanding	3.15B	3.06B	2.87B	2.64B	2.39B
Book Value / Share	14.09	14.56	14.53	16.29	17.94
Tangible Book Value	43.85B	45.3B	42.3B	42.25B	43.6B
Tangible Book Value Per Share	12.49	12.77	12.49	13.93	15.52
Tangible Book Value Per Share (As Reported)	12.49	12.77	12.49	13.93	15.41
Average Assets	780B	817B	863B	851B	861B
Average Loans	425B	432B	441B	436B	432B
Total Debt	201B	204B	208B	196B	218B
Deposits at Interest - Cash	38.5B	35.09B	39.63B	43.88B	34.28B
Debt Equivalent of Unfunded Proj. Benefit Obligation	418M	179M	118M	166M	101M
Net Debt	-64.29B	-75.5B	-56.41B	-119B	-137B
Equity Method Investments, Total	2.16B	2.15B	1.63B	966M	1.02B
Full Time Employees	82.08K	81.77K	83.08K	84.84K	80.95K
Part Time Employees	-	187	189	162	199
Number Of Offices	-	-	-	-	-
Assets on Operating Lease - Gross	5.23B	4.25B	4.42B	-	-
Assets on Operating Lease - Accumulated Depreciation	-1.34B	-1.16B	-1.18B	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	724M	2.32B	2.95B	3.47B	4.05B
Depreciation, Depletion & Amortization	731M	712M	651M	445M	427M
Amortization of Goodwill and Intangible Assets - (CF)	5M	8M	4M	1M	4M
Total Depreciation, Depletion & Amortization	736M	720M	655M	446M	431M
Amortization of Deferred Charges, Total	515M	461M	531M	625M	695M
(Gain) Loss On Sale of Asset - (CF)	-	-93M	-62M	-31M	187M
(Gain) Loss on Sale of Investments - (CF)	-594M	-170M	735M	355M	-551M
Total Asset Writedown	474M	307M	-272M	-1.54B	-1.55B
Restructuring Activities	113M	17M	38M	28M	-
Provision for Credit Losses	2.32B	254M	836M	508M	547M
(Income) Loss On Equity Investments - (CF)	-151M	-196M	-156M	-141M	-108M
Stock-Based Compensation (CF)	132M	167M	199M	219M	334M
Change in Trading Asset Securities	-27.02B	8.82B	-1.98B	-16.42B	-57.76B
Change in Other Net Operating Assets (Collected)	15.31B	-67.58B	19.48B	-13.94B	23.45B
Other Operating Activities	587M	388M	1.48B	2.98B	2.54B
Cash from Operations	-6.85B	-54.59B	24.43B	-23.44B	-27.74B
Capital Expenditure	-1.27B	-352M	-835M	-159M	-456M
Sale of Property, Plant, and Equipment	178M	965M	422M	244M	109M
Divestitures	-	-	-	-	74M
Purchase / Sale of Intangible Assets	-	-989M	-1.1B	-1.12B	-948M
Investment in Marketable and Equity Securities, Total	-3.39B	-8.62B	-21.07B	16.85B	12.67B
Other Investing Activities, Total	-	-	-	-	-
Cash from Investing	-4.48B	-9B	-22.58B	15.81B	11.45B
Long-Term Debt Issued, Total	12.43B	12.08B	12.65B	15.28B	11.04B
Total Debt Issued	12.43B	12.08B	12.65B	15.28B	11.04B
Long-Term Debt Repaid, Total	-7.07B	-10.77B	-9.96B	-8.86B	-12.91B
Total Debt Repaid	-7.07B	-10.77B	-9.96B	-8.86B	-12.91B
Issuance of Common Stock	1B	2.74B	1.25B	26M	1.6B
Repurchase of Common Stock	-2.34B	-1.79B	-2.47B	-3.22B	-3.25B
Common Dividends Paid	-322M	-718M	-721M	-917M	-1.13B
Preferred Dividends Paid	-73M	-66M	-73M	-103M	-107M
Common & Preferred Stock Dividends Paid	-395M	-784M	-794M	-1.02B	-1.24B
Net Increase (Decrease) in Deposit Accounts - (CF)	28.09B	66.8B	-9.26B	17.88B	7.25B
Other Financing Activities, Total	-1.25B	-1.21B	-1.46B	-1.62B	-1.87B
Cash from Financing	30.46B	67.07B	-10.03B	18.46B	627M
Foreign Exchange Rate Adjustments	1.29B	-1.76B	-2.71B	-796M	-2.04B
Net Change in Cash	20.42B	1.73B	-10.89B	10.04B	-17.71B
Supplemental Items
Cash Interest Paid	1.23B	3.59B	6.2B	20.09B	23.66B
Cash Income Tax Paid (Refund)	971M	1.16B	821M	1.37B	2.04B
Net Debt Issued / Repaid	5.36B	1.31B	2.7B	6.41B	-1.86B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.1	0.29	0.35	0.42	0.48
Return On Equity %	1.48	4.48	5.65	6.9	7.95
Return on Common Equity	0.67	3.82	5.15	6.24	7.34
Shareholders Value Added	-4.93B	-3.45B	-2.91B	-2.26B	-1.71B
Margin Analysis
SG&A Margin	81.87	74.95	71.41	68.82	64.87
Net Interest Income / Total Revenues %	54.99	48.08	50.05	46.71	33.53
EBT Excl. Non-Recurring Items Margin %	18.43	26.44	29.62	32.03	35.7
Income From Continuing Operations Margin %	6.03	16.36	19.13	20.82	21.29
Net Income Margin %	5.81	16.37	19.43	20.86	21.33
Net Avail. For Common Margin %	2.64	13.47	16.79	18.14	18.92
Normalized Net Income Margin	11.3	16.54	18.82	20.06	22.35
Asset quality
Nonperforming Loans / Total Loans %	3.04	2.57	2.53	2.55	2.15
Nonperforming Loans / Total Assets %	1.17	0.98	0.96	0.88	0.73
Nonperforming Assets / Total Assets %	1.17	0.98	0.96	0.88	0.73
NPAs / Loans and OREO	3.05	2.57	2.54	2.55	2.14
NPAs / Equity	18.21	15.4	15.71	14.39	12.1
Allowance for Credit Losses / Net Charge-offs %	396.77	612.84	836.28	687.04	501.53
Allowance for Credit Losses / Nonperforming Loans %	71.96	70.18	69.93	71.86	79.32
Allowance for Credit Losses / Total Loans %	2.19	1.8	1.77	1.83	1.7
Net Charge-offs / Total Average Loans %	0.39	0.21	0.15	0.17	0.23
Provision for Loan Losses / Net Charge-offs %	137.28	28.37	127.74	69.84	56.78
Earning Assets / IBL	110.11	108.46	107.62	105.95	99.92
Interest Income / Average Assets	1.58	1.25	1.77	3.2	3.24
Interest Expense / Average Assets	0.7	0.42	0.89	2.29	2.5
Net Interest Income / Average Assets	0.88	0.83	0.88	0.91	0.74
Non Interest Income / Average Assets	1.01	0.93	0.98	1.1	1.53
Non Interest Expense / Average Asset	1.3	1.27	1.24	1.33	1.42
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.48	6.16	6	5.88	5.85
Total Average Equity / Total Average Assets %	6.72	6.39	6.23	6.11	6.08
Total Equity + Allowance for Loan Losses / Total Loans %	18.84	18.38	17.81	19.44	19.3
Gross Loans / Total Deposits %	63.11	61.2	61.53	54.92	56.31
Net Loans / Total Deposits %	61.72	60.1	60.44	53.91	55.35
Tier 1 Capital Ratio %	16.5	16.6	16.6	16.3	16.9
Total Capital Ratio %	21.2	21.3	21.7	21.2	21.5
Core Tier 1 Capital Ratio	14.4	14.1	14	14.1	14.2
Tier 2 Capital Ratio	4.71	4.61	5.11	4.89	4.62
Coverage Ratio	71.96	70.18	69.93	71.86	79.32
Interbank Ratio	144.01	138.75	131.64	155.32	165.69
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.3	1.97	1.56	1.26	1.28
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-10.63	-0.79	11.69	2.32	-18.06
Non Interest Income, 1 Yr. Growth %	1.96	-3.78	10.71	11.56	40.33
Provision For Loan Losses, 1 Yr. Growth %	153.2	-88.54	218.63	-36.84	5.49
Total Revenues, 1 Yr. Growth %	-14.13	13.47	7.31	9.6	14.16
Earnings From Cont. Operations, 1 Yr. Growth %	-67.91	207.99	25.46	19.3	16.75
Net Income, 1 Yr. Growth %	-68.56	219.75	27.34	17.67	16.75
Normalized Net Income, 1 Yr. Growth %	-43.54	58.07	22.09	16.82	27.21
Diluted EPS Before Extra, 1 Yr. Growth %	-81.74	486.41	39.57	25.98	29.66
Dividend Per Share, 1 Yr. Growth %	28.57	33.33	50	50	37.04
Gross Loans, 1 Yr. Growth %	-0.25	3.81	-1.81	-3.97	1.92
Allowance For Loan Losses, 1 Yr. Growth %	14.47	-14.31	-3.43	-5.32	-5.28
Net Loans, 1 Yr. Growth %	-0.53	4.22	-1.78	-3.95	2.06
Non Performing Loans, 1 Yr. Growth %	24.55	-12.14	-3.09	-7.86	-14.18
Non Performing Assets, 1 Yr. Growth %	24.24	-12.24	-3.05	-7.83	-14.38
Total Assets, 1 Yr. Growth %	9.53	4.91	-0.95	0.36	3.26
Total Deposits, 1 Yr Growth %	8.55	7.4	-2.33	2.65	-0.59
Tangible Book Value, 1 Yr. Growth %	0.65	3.31	-6.62	-0.13	3.21
Average Interest Earning Assets, 1 Yr. Growth %	6.39	6.28	1.07	1.26	-5.8
Average Interest Bearing Liabilities, 1 Yr. Growth %	7.52	7.89	1.86	2.86	-0.1
Common Equity, 1 Yr. Growth %	0.11	3.8	-5.12	0.6	1.93
Total Equity, 1 Yr. Growth %	0.13	3.76	-4.98	0.67	1.85
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-6.24	-5.84	5.27	6.9	-8.44
Non Interest Income, 2 Yr. CAGR %	6.82	-0.95	3.21	11.13	25.12
Provision For Loan Losses, 2 Yr. CAGR %	76.07	-46.12	-39.56	41.69	-18.37
Total Revenues, 2 Yr. CAGR %	-5.59	-1.29	10.35	8.46	11.86
Earnings From Cont. Operations, 2 Yr. CAGR %	-17.71	-0.58	96.58	22.34	18.02
Net Income, 2 Yr. CAGR %	-17.12	0.26	101.79	22.41	17.21
Normalized Net Income, 2 Yr. CAGR %	-7.61	-3.17	38.92	19.45	21.9
Diluted EPS Before Extra, 2 Yr. CAGR %	-25.38	3.49	186.09	32.6	27.81
Dividend Per Share, 2 Yr. CAGR %	-34.53	30.93	41.42	50	43.37
Gross Loans, 2 Yr. CAGR %	2.71	1.93	0.96	-5.15	-1.07
Allowance For Loan Losses, 2 Yr. CAGR %	1.51	-0.96	-9.04	-4.38	-5.3
Net Loans, 2 Yr. CAGR %	2.74	1.99	1.17	-5.16	-0.99
Non Performing Loans, 2 Yr. CAGR %	4.4	4.6	-7.73	-5.51	-11.08
Non Performing Assets, 2 Yr. CAGR %	4.42	4.42	-7.76	-5.47	-11.16
Total Assets, 2 Yr. CAGR %	7.03	7.2	1.94	-0.3	1.8
Total Deposits, 2 Yr CAGR %	5.9	7.98	2.42	0.13	1.02
Tangible Book Value, 2 Yr. CAGR %	0.36	1.97	-1.78	-3.43	1.53
Average Interest Earning Assets, 2 Yr. CAGR %	5.15	6.33	3.64	1.17	-2.33
Average Interest Bearing Liabilities, 2 Yr. CAGR %	5.42	7.71	4.83	2.36	1.36
Common Equity, 2 Yr. CAGR %	0.33	1.94	-0.76	-2.3	1.26
Total Equity, 2 Yr. CAGR %	0.37	1.93	-0.71	-2.19	1.26
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-5.74	-4.46	-0.32	4.28	-2.16
Non Interest Income, 3 Yr. CAGR %	8.26	3.16	2.79	5.92	20.12
Provision For Loan Losses, 3 Yr. CAGR %	24.11	-29.17	-2.57	-38.72	28.42
Total Revenues, 3 Yr. CAGR %	-1.93	0.38	1.5	10.1	10.33
Earnings From Cont. Operations, 3 Yr. CAGR %	-16.02	27.77	7.44	66.43	20.45
Net Income, 3 Yr. CAGR %	-15.94	29.99	8.58	68.59	20.49
Normalized Net Income, 3 Yr. CAGR %	-9.77	12.34	4.61	31.14	21.98
Diluted EPS Before Extra, 3 Yr. CAGR %	-23.82	48.35	14.34	117.65	31.61
Dividend Per Share, 3 Yr. CAGR %	-6.47	-17.02	37	44.22	45.55
Gross Loans, 3 Yr. CAGR %	1.89	3.19	0.67	-2.25	-2.85
Allowance For Loan Losses, 3 Yr. CAGR %	5.12	-4.06	-1.79	-7.81	-4.68
Net Loans, 3 Yr. CAGR %	1.83	3.34	0.71	-2.13	-2.81
Non Performing Loans, 3 Yr. CAGR %	2.01	-1.44	1.97	-7.77	-8.49
Non Performing Assets, 3 Yr. CAGR %	2.01	-1.46	1.87	-7.78	-8.54
Total Assets, 3 Yr. CAGR %	5.95	6.32	4.41	1.41	0.87
Total Deposits, 3 Yr CAGR %	5.6	6.4	4.42	2.5	-0.11
Tangible Book Value, 3 Yr. CAGR %	-1.91	1.34	-0.97	-1.23	-1.26
Average Interest Earning Assets, 3 Yr. CAGR %	-0.08	5.52	4.55	2.84	-1.21
Average Interest Bearing Liabilities, 3 Yr. CAGR %	0.18	6.24	5.72	4.17	1.53
Common Equity, 3 Yr. CAGR %	-1.68	1.48	-0.47	-0.31	-0.91
Total Equity, 3 Yr. CAGR %	-0.7	1.49	-0.43	-0.25	-0.86
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-6.14	-2.7	-1.48	-0.07	-3.65
Non Interest Income, 5 Yr. CAGR %	6.79	4.97	6.21	6.28	11.2
Provision For Loan Losses, 5 Yr. CAGR %	-10.56	-35.64	-6.93	-6.53	-9.27
Total Revenues, 5 Yr. CAGR %	2.36	4.44	2.81	3.53	5.52
Earnings From Cont. Operations, 5 Yr. CAGR %	-19.31	64.68	18.01	25.57	11.55
Net Income, 5 Yr. CAGR %	-19.89	56.45	19.32	26.9	11.95
Normalized Net Income, 5 Yr. CAGR %	22.3	24	8.29	15.13	11.22
Diluted EPS Before Extra, 5 Yr. CAGR %	-35.45	32.98	29.33	41.84	19.54
Dividend Per Share, 5 Yr. CAGR %	-8.07	-	10.35	5.15	39.51
Gross Loans, 5 Yr. CAGR %	1.79	3.57	1.59	-0.23	-0.96
Allowance For Loan Losses, 5 Yr. CAGR %	-0.63	-2.71	-0.79	-4.19	-3.21
Net Loans, 5 Yr. CAGR %	1.84	3.71	1.63	-0.15	-0.92
Non Performing Loans, 5 Yr. CAGR %	-6.3	-3.53	-2	-3.08	-3.46
Non Performing Assets, 5 Yr. CAGR %	-6.32	-3.6	-2.02	-3.08	-3.56
Total Assets, 5 Yr. CAGR %	4.26	5.06	4.32	3.62	3.36
Total Deposits, 5 Yr CAGR %	3.84	6.38	4.31	3.84	3.05
Tangible Book Value, 5 Yr. CAGR %	0.14	0.76	-1.85	-0.6	0.02
Average Interest Earning Assets, 5 Yr. CAGR %	-1.07	1.92	1.39	3.76	1.74
Average Interest Bearing Liabilities, 5 Yr. CAGR %	-0.66	2.74	2.02	4.67	3.96
Common Equity, 5 Yr. CAGR %	0.3	0.99	-1.31	-0.05	0.22
Total Equity, 5 Yr. CAGR %	0.9	1.58	-0.7	0	0.24