Financial Ratios The PNC Financial Services Group, Inc.

Equities

PNC

US6934751057

Banks

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07:04am	JPMorgan Adjusts PT on PNC Financial Services to $251 From $228.50, Maintains Overweight Rating	MT
Feb. 04	UBS Adjusts Price Target on PNC Financial Services to $263 From $244, Maintains Buy Rating	MT

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Published financial data: THE PNC FINANCIAL SERVICES GROUP, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	8.93B	9.01B	11.8B	18.3B	19.35B
Interest Income On Investments	2.38B	2.13B	3.64B	6.01B	7.04B
Interest Income, Total	11.31B	11.13B	15.44B	24.31B	26.38B
Interest On Deposits	643M	126M	1.27B	6.61B	8.4B
Total Interest On Borrowings	718M	361M	1.16B	3.78B	4.48B
Interest Expense, Total	1.36B	487M	2.42B	10.39B	12.88B
Net Interest Income	9.95B	10.65B	13.01B	13.92B	13.5B
Service Charges On Deposits	500M	535M	-	-	-
Trust Income	836M	964M	1.44B	1.41B	1.48B
Total Mortgage Banking Activities	604M	456M	647M	625M	581M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	305M	64M	-7M	-2M	254M
Total Other Non Interest Income	4.71B	6.54B	6.02B	5.54B	5.74B
Non Interest Income, Total	6.96B	8.56B	8.11B	7.57B	8.06B
Revenues Before Provison For Loan Losses	16.9B	19.21B	21.12B	21.49B	21.56B
Provision For Loan Losses	3.18B	-779M	477M	742M	789M
Total Revenues	13.73B	19.99B	20.64B	20.75B	20.77B
Salaries And Other Employee Benefits	5.67B	7.14B	7.24B	7.43B	7.3B
Selling General & Admin Expenses, Total	2.24B	2.67B	2.74B	2.74B	2.84B
Total Other Non Interest Expense	2.39B	3.19B	3.18B	3.84B	3.38B
Non Interest Expense, Total	10.3B	13B	13.17B	14.01B	13.52B
EBT, Excl. Unusual Items	3.43B	6.99B	7.47B	6.74B	7.24B
EBT, Incl. Unusual Items	3.43B	6.99B	7.47B	6.74B	7.24B
Income Tax Expense	426M	1.26B	1.36B	1.09B	1.29B
Earnings From Continuing Operations	3B	5.72B	6.11B	5.65B	5.95B
Earnings Of Discontinued Operations	4.56B	-	-	-	-
Net Income to Company	7.56B	5.72B	6.11B	5.65B	5.95B
Minority Interest	-41M	-51M	-72M	-69M	-64M
Net Income - (IS)	7.52B	5.67B	6.04B	5.58B	5.89B
Preferred Dividend and Other Adjustments	268M	265M	333M	452M	393M
Net Income to Common Incl Extra Items	7.25B	5.41B	5.71B	5.13B	5.5B
Net Income to Common Excl. Extra Items	2.69B	5.41B	5.71B	5.13B	5.5B
Per Share Items
Net EPS - Basic	16.98	12.7	13.85	12.78	13.77
Basic EPS - Continuing Operations	6.31	12.7	13.85	12.78	13.77
Basic Weighted Average Shares Outstanding	427M	426M	412M	401M	399M
Net EPS - Diluted	16.97	12.7	13.85	12.78	13.74
Diluted EPS - Continuing Operations	6.3	12.7	13.85	12.78	13.74
Diluted Weighted Average Shares Outstanding	427M	426M	412M	401M	400M
Normalized Basic EPS	4.92	10.13	11.16	10.33	11.18
Normalized Diluted EPS	4.92	10.13	11.16	10.33	11.16
Dividend Per Share	4.6	4.8	5.75	6.1	6.3
Payout Ratio	29.39	40.34	44.56	51.6	49.06
American Depositary Receipts Ratio (ADR)	0.5	0.5	0.5	0.5	0.5
Supplemental Items
Effective Tax Rate - (Ratio)	12.42	18.07	18.2	16.17	17.8
Current Domestic Taxes	827M	1.08B	1.01B	1.34B	1.32B
Total Current Taxes	827M	1.08B	1.01B	1.34B	1.32B
Deferred Domestic Taxes	-401M	178M	351M	-252M	-30M
Total Deferred Taxes	-401M	178M	351M	-252M	-30M
Normalized Net Income	2.1B	4.32B	4.6B	4.14B	4.46B
Non-Cash Pension Expense	-125M	-118M	-127M	-59M	-102M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	-	-	-	-	-
Total Stock-Based Compensation	-	-	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	6.64B	7.43B	6.45B	5.94B	5.94B
Investment Securities, Total	38.34B	67.59B	67.56B	65.14B	73.61B
Trading Asset Securities, Total	6.62B	5.47B	3.5B	3.7B	3.59B
Mortgage Backed Securities	56.79B	74B	80.64B	76.25B	76.07B
Total investments	102B	147B	152B	145B	153B
Gross Loans	242B	289B	327B	322B	317B
Allowance For Loan Losses	-5.36B	-4.87B	-4.74B	-4.79B	-4.49B
Other Adjustments to Gross Loans	-	-677M	-761M	-884M	-869M
Net Loans	237B	284B	321B	317B	312B
Net Property Plant And Equipment	1.88B	1.92B	1.86B	1.74B	1.62B
Goodwill	9.23B	10.92B	10.99B	10.93B	10.93B
Other Intangibles, Total	-	-	-	-	-
Loans Held For Sale	1.6B	2.23B	1.01B	734M	850M
Accrued Interest Receivable	943M	1.02B	1.63B	1.92B	1.87B
Restricted Cash	381M	573M	597M	985M	968M
Other Real Estate Owned And Foreclosed	51M	26M	34M	36M	31M
Other Long-Term Assets, Total	108B	103B	61.73B	77.49B	72.58B
Total Assets	467B	557B	557B	562B	560B
Liabilities
Accrued Expenses, Total	2.73B	3.04B	6.38B	7.38B	8.3B
Interest Bearing Deposits	240B	302B	312B	320B	334B
Institutional Deposits	12.9B	-	-	-	-
Non-Interest Bearing Deposits	113B	155B	124B	101B	92.64B
Total Deposits	365B	457B	436B	421B	427B
Short-Term Borrowings	584M	985M	4.52B	3.54B	3.17B
Current Portion of Long-Term Debt	7.96B	7.18B	-	-	-
Current Portion of Leases	364M	416M	428M	405M	401M
Long-Term Debt	29.24B	23.6B	26.64B	34.74B	39.67B
Federal Home Loan Bank Debt - Long-Term	-	-	32.08B	38B	22B
Long-Term Leases	1.73B	1.8B	1.73B	1.59B	1.47B
Trust Preferred Securities (BS)	-	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	200M	100M	200M	200M	200M
Unearned Revenue Non Current	-	-	-	-	-
Other Non Current Liabilities	4.48B	7.06B	3.19B	3.16B	3.62B
Total Liabilities	413B	501B	511B	510B	506B
Preferred Stock - Others	3.52B	5.01B	5.75B	6.24B	5.75B
Total Preferred Equity	3.52B	5.01B	5.75B	6.24B	5.75B
Common Stock, Total	2.71B	2.71B	2.71B	2.72B	2.72B
Additional Paid In Capital	12.37B	12.45B	12.63B	12.78B	12.96B
Retained Earnings	46.85B	50.23B	53.57B	56.29B	59.28B
Treasury Stock	-14.2B	-15.11B	-18.72B	-19.21B	-19.72B
Comprehensive Income and Other	2.77B	409M	-10.17B	-7.71B	-6.56B
Total Common Equity	50.49B	50.69B	40.03B	44.86B	48.68B
Minority Interest	31M	31M	38M	36M	44M
Total Equity	54.04B	55.73B	45.81B	51.14B	54.47B
Total Liabilities And Equity	467B	557B	557B	562B	560B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	424M	418M	400M	398M	396M
ECS Total Common Shares Outstanding	424M	420M	401M	398M	396M
Book Value / Share	119.09	120.68	99.82	112.72	122.94
Tangible Book Value	41.26B	39.77B	29.04B	33.93B	37.74B
Tangible Book Value Per Share	97.31	94.69	72.42	85.26	95.33
Tangible Book Value Per Share (As Reported)	97.43	94.11	72.12	85.08	95.33
Average Assets	449B	523B	551B	559B	565B
Average Loans	253B	269B	308B	324B	320B
Total Debt	39.88B	33.99B	65.4B	78.27B	66.71B
Federal Funds Sold	-	-	-	-	-
Debt Equivalent of Unfunded Proj. Benefit Obligation	-636M	-1.08B	-635M	-757M	-767M
Net Debt	26.35B	20.64B	55.03B	68.14B	56.84B
Equity Method Investments, Total	-	-	-	-	-
Full Time Employees	49.55K	57.67K	59.89K	54.81K	53.69K
Part Time Employees	1.71K	1.76K	1.65K	1.6K	1.5K

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	7.52B	5.67B	6.04B	5.58B	5.89B
Depreciation, Depletion & Amortization	1.5B	1.77B	651M	217M	259M
Amortization of Goodwill and Intangible Assets - (CF)	-	-	-	-	-
Total Depreciation, Depletion & Amortization	1.5B	1.77B	651M	217M	259M
(Gain) Loss on Sale of Investments - (CF)	-6.04B	-64M	7M	-	-254M
Provision for Credit Losses	3.18B	-779M	477M	742M	789M
(Income) Loss On Equity Investments - (CF)	-174M	-	-	-	-
Tax Benefit from Stock Options	-	-	-	-	-
Change in Trading Asset Securities	957M	671M	433M	-767M	41M
Change in Other Net Operating Assets (Collected)	-1.55B	-181M	763M	3.03B	-628M
Other Operating Activities	-715M	120M	711M	1.31B	1.78B
Cash from Operations	4.66B	7.21B	9.08B	10.11B	7.88B
Cash Acquisitions	-	-10.51B	-	-	-
Divestitures	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-62.36B	-4.2B	28.5B	-8.23B	-5.52B
Net (Increase) Decrease in Loans Originated / Sold - Investing	-3.46B	15.57B	-38.17B	3.22B	3.78B
Other Investing Activities, Total	14.7B	-3.66B	-3.76B	-1.38B	-1.49B
Cash from Investing	-51.12B	-2.8B	-13.43B	-6.38B	-3.23B
Short Term Debt Issued, Total	-	-	-	359M	-
Long-Term Debt Issued, Total	13.32B	2.56B	38.04B	17.29B	13.4B
Total Debt Issued	13.32B	2.56B	38.04B	17.65B	13.4B
Short Term Debt Repaid, Total	-12.16B	-46M	-2M	-	-74M
Long-Term Debt Repaid, Total	-25.29B	-10.5B	-8.06B	-3.68B	-23.75B
Total Debt Repaid	-37.45B	-10.55B	-8.06B	-3.68B	-23.82B
Issuance of Common Stock	65M	66M	68M	72M	69M
Repurchase of Common Stock	-1.62B	-1.08B	-3.73B	-651M	-687M
Issuance of Preferred Stock	-	1.48B	2.22B	1.48B	-
Repurchase of Preferred Stock	-480M	-	-1.5B	-1B	-500M
Common Dividends Paid	-1.98B	-2.06B	-2.39B	-2.46B	-2.54B
Preferred Dividends Paid	-229M	-233M	-301M	-417M	-352M
Common & Preferred Stock Dividends Paid	-2.21B	-2.29B	-2.69B	-2.88B	-2.89B
Net Increase (Decrease) in Deposit Accounts - (CF)	76.8B	6.38B	-20.97B	-14.85B	5.3B
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	48.42B	-3.43B	3.38B	-3.85B	-9.12B
Net Change in Cash	1.96B	987M	-961M	-122M	-4.47B
Supplemental Items
Cash Interest Paid	1.29B	582M	2.17B	9.45B	13.05B
Cash Income Tax Paid (Refund)	3.4B	602M	171M	165M	389M
Net Debt Issued / Repaid	-24.13B	-7.99B	29.98B	13.97B	-10.42B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.68	1.12	1.1	1.01	1.06
Return On Equity %	5.81	10.43	12.04	11.65	11.27
Return on Common Equity	5.62	10.69	12.58	12.08	11.75
Shareholders Value Added	1.77B	-397M	598M	484M	277M
Margin Analysis
SG&A Margin	57.64	49.08	48.37	49.02	48.85
Net Interest Income / Total Revenues %	72.46	53.26	63.04	67.07	65.01
EBT Excl. Non-Recurring Items Margin %	24.98	34.96	36.2	32.47	34.87
Income From Continuing Operations Margin %	21.88	28.64	29.61	27.22	28.67
Net Income Margin %	54.76	28.38	29.26	26.88	28.36
Net Avail. For Common Margin %	19.63	27.06	27.65	24.71	26.47
Normalized Net Income Margin	15.31	21.59	22.28	19.96	21.49
Asset quality
Nonperforming Loans / Total Loans %	0.94	0.86	0.61	0.68	0.73
Nonperforming Loans / Total Assets %	0.49	0.44	0.36	0.39	0.42
Nonperforming Assets / Total Assets %	0.5	0.45	0.36	0.39	0.42
NPAs / Loans and OREO	0.97	0.87	0.62	0.69	0.74
NPAs / Equity	4.32	4.5	4.41	4.33	4.33
Allowance for Credit Losses / Net Charge-offs %	644.35	740.94	842.1	674.79	430.93
Allowance for Credit Losses / Nonperforming Loans %	234.51	196.29	238.84	219.77	192.86
Allowance for Credit Losses / Total Loans %	2.22	1.68	1.45	1.49	1.41
Net Charge-offs / Total Average Loans %	0.33	0.24	0.18	0.22	0.33
Provision for Loan Losses / Net Charge-offs %	381.61	-118.57	84.72	104.51	75.79
Earning Assets / IBL	138.4	149.19	145.11	133.12	128.69
Interest Income / Average Assets	2.52	2.13	2.8	4.35	4.67
Interest Expense / Average Assets	0.3	0.09	0.44	1.86	2.28
Net Interest Income / Average Assets	2.21	2.04	2.36	2.49	2.39
Non Interest Income / Average Assets	1.55	1.64	1.47	1.36	1.43
Non Interest Expense / Average Asset	2.29	2.49	2.39	2.51	2.39
Capital And Funding
Total Average Common Equity / Total Average Assets %	10.93	9.88	8.14	7.59	8.34
Total Average Equity / Total Average Assets %	11.79	10.72	9.11	8.67	9.42
Total Equity + Allowance for Loan Losses / Total Loans %	24.54	20.95	15.46	17.34	18.56
Gross Loans / Total Deposits %	66.22	63.21	74.9	76.5	74.36
Net Loans / Total Deposits %	64.75	62	73.64	75.16	73.11
Tier 1 Capital Ratio %	13.2	11.6	10.4	11.4	11.9
Total Capital Ratio %	15.6	13.5	12.3	13.2	13.6
Core Tier 1 Capital Ratio	12.2	10.3	9.1	9.9	10.5
Tier 2 Capital Ratio	2.37	1.9	1.84	1.82	1.68
Equity Tier 1 Capital Ratio	12.64	10.17	6.63	7.98	8.94
Coverage Ratio	-	-	-	-	-
Leverage Ratio %	9.5	8.2	8.2	8.7	9
Interbank Ratio	-	-	-	-	-
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	5.78	20.36	7.47	2.78	2.62
EBT + Interest Expense / Interest Expense	3.52	15.35	4.09	1.65	1.56
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-0.19	7.05	22.23	6.93	-3
Non Interest Income, 1 Yr. Growth %	1.18	23.13	-5.35	-6.56	6.36
Provision For Loan Losses, 1 Yr. Growth %	310.74	-124.54	-161.23	55.56	6.33
Total Revenues, 1 Yr. Growth %	-14.56	45.64	3.27	0.51	0.09
Earnings From Cont. Operations, 1 Yr. Growth %	-34.59	90.64	6.78	-7.62	5.42
Net Income, 1 Yr. Growth %	40.01	-24.52	6.47	-7.66	5.58
Normalized Net Income, 1 Yr. Growth %	-37.87	105.34	6.54	-9.95	7.76
Diluted EPS Before Extra, 1 Yr. Growth %	-33.87	101.4	9.08	-7.7	7.49
Dividend Per Share, 1 Yr. Growth %	9.52	4.35	19.79	6.09	3.28
Gross Loans, 1 Yr. Growth %	0.87	19.09	13.06	-1.34	-1.57
Allowance For Loan Losses, 1 Yr. Growth %	95.51	-9.2	-2.61	1.05	-6.37
Net Loans, 1 Yr. Growth %	-0.23	19.84	13.33	-1.42	-1.5
Non Performing Loans, 1 Yr. Growth %	39.82	8.49	-19.96	9.82	6.7
Non Performing Assets, 1 Yr. Growth %	33.39	7.23	-19.43	9.76	6.36
Total Assets, 1 Yr. Growth %	13.74	19.39	0.01	0.77	-0.27
Total Deposits, 1 Yr Growth %	26.62	25.16	-4.59	-3.41	1.26
Tangible Book Value, 1 Yr. Growth %	14.33	-3.61	-26.98	16.84	11.23
Average Interest Earning Assets, 1 Yr. Growth %	14.03	17.96	5.87	2.8	0.67
Average Interest Bearing Liabilities, 1 Yr. Growth %	7.74	9.43	8.85	12.06	4.13
Common Equity, 1 Yr. Growth %	11.41	0.38	-21.03	12.08	8.5
Total Equity, 1 Yr. Growth %	9.52	3.12	-17.79	11.63	6.51
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	1.15	3.37	14.39	14.33	1.85
Non Interest Income, 2 Yr. CAGR %	3.69	11.62	7.96	-5.96	-0.31
Provision For Loan Losses, 2 Yr. CAGR %	178.96	0.39	-61.24	-2.4	28.61
Total Revenues, 2 Yr. CAGR %	-6.74	11.55	22.64	1.88	0.3
Earnings From Cont. Operations, 2 Yr. CAGR %	-18.83	11.67	42.68	-0.68	-1.32
Net Income, 2 Yr. CAGR %	19.08	2.8	-10.35	-0.85	-1.27
Normalized Net Income, 2 Yr. CAGR %	-21.18	12.95	47.91	-2.05	-1.49
Diluted EPS Before Extra, 2 Yr. CAGR %	-16.43	15.41	48.22	0.34	-0.4
Dividend Per Share, 2 Yr. CAGR %	16.32	6.9	11.8	12.73	4.67
Gross Loans, 2 Yr. CAGR %	3.41	9.78	16.03	5.61	-1.46
Allowance For Loan Losses, 2 Yr. CAGR %	42.8	33.24	-5.96	-0.79	-2.73
Net Loans, 2 Yr. CAGR %	2.86	9.35	16.54	5.7	-1.46
Non Performing Loans, 2 Yr. CAGR %	16.17	23.16	-6.82	-6.24	8.25
Non Performing Assets, 2 Yr. CAGR %	13.69	19.6	-7.05	-5.96	8.05
Total Assets, 2 Yr. CAGR %	10.48	16.53	9.28	0.39	0.25
Total Deposits, 2 Yr CAGR %	16.79	25.89	9.28	-4	-1.1
Tangible Book Value, 2 Yr. CAGR %	9.32	4.98	-16.1	-7.63	14
Average Interest Earning Assets, 2 Yr. CAGR %	9.53	15.98	11.75	4.32	1.73
Average Interest Bearing Liabilities, 2 Yr. CAGR %	8.03	8.58	9.14	10.44	8.02
Common Equity, 2 Yr. CAGR %	7.44	5.75	-10.96	-5.92	10.27
Total Equity, 2 Yr. CAGR %	6.36	6.27	-7.93	-4.2	9.04
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	2.98	3.08	9.31	11.85	8.23
Non Interest Income, 3 Yr. CAGR %	-1.24	9.8	5.65	2.88	-2.02
Provision For Loan Losses, 3 Yr. CAGR %	93.09	24.06	-14.86	-38.4	0.43
Total Revenues, 3 Yr. CAGR %	-4.76	8.2	8.71	14.77	1.28
Earnings From Cont. Operations, 3 Yr. CAGR %	-17.7	7.89	10.01	23.43	1.31
Net Income, 3 Yr. CAGR %	12.09	2.29	4.01	-9.47	1.25
Normalized Net Income, 3 Yr. CAGR %	-14.65	8.45	10.77	25.36	1.11
Diluted EPS Before Extra, 3 Yr. CAGR %	-15.27	12.04	13.26	26.57	2.67
Dividend Per Share, 3 Yr. CAGR %	20.95	12.18	11.04	9.86	9.49
Gross Loans, 3 Yr. CAGR %	3.15	8.51	10.86	9.92	3.16
Allowance For Loan Losses, 3 Yr. CAGR %	27.1	22.8	20.02	-3.68	-2.69
Net Loans, 3 Yr. CAGR %	2.79	8.23	10.66	10.21	3.24
Non Performing Loans, 3 Yr. CAGR %	7.02	13.55	6.68	-1.57	-2.11
Non Performing Assets, 3 Yr. CAGR %	4.72	11.5	4.84	-1.76	-2.02
Total Assets, 3 Yr. CAGR %	7.02	13.38	10.74	6.36	0.17
Total Deposits, 3 Yr CAGR %	11.29	19.52	14.78	4.87	-2.28
Tangible Book Value, 3 Yr. CAGR %	6.3	4.83	-6.99	-6.31	-1.73
Average Interest Earning Assets, 3 Yr. CAGR %	6.84	12.27	12.51	8.68	3.09
Average Interest Bearing Liabilities, 3 Yr. CAGR %	6.65	8.49	8.67	10.1	8.3
Common Equity, 3 Yr. CAGR %	5.07	5.03	-4.06	-3.86	-1.34
Total Equity, 3 Yr. CAGR %	4.33	5.27	-2.44	-1.82	-0.76
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	3.74	4.88	7.4	7.44	6.26
Non Interest Income, 5 Yr. CAGR %	0.02	4.81	2.34	3.2	3.22
Provision For Loan Losses, 5 Yr. CAGR %	65.59	12.46	1.58	12.71	0.41
Total Revenues, 5 Yr. CAGR %	-1.72	6.3	5.38	5.62	5.27
Earnings From Cont. Operations, 5 Yr. CAGR %	-6.23	7.52	2.56	4.38	5.33
Net Income, 5 Yr. CAGR %	12.86	7.77	2.51	1.02	1.87
Normalized Net Income, 5 Yr. CAGR %	-9.19	6.16	6.34	4.12	5.69
Diluted EPS Before Extra, 5 Yr. CAGR %	-3.11	11.71	5.97	7.2	7.58
Dividend Per Share, 5 Yr. CAGR %	18.01	17.76	17.2	12.4	8.45
Gross Loans, 5 Yr. CAGR %	3.06	6.38	8.19	7.34	5.76
Allowance For Loan Losses, 5 Yr. CAGR %	14.48	13.46	12.67	12.75	10.35
Net Loans, 5 Yr. CAGR %	3.01	6.36	8.08	7.21	5.64
Non Performing Loans, 5 Yr. CAGR %	1.46	2.95	1.26	5.17	7.3
Non Performing Assets, 5 Yr. CAGR %	-0.74	1.09	-0.16	4.15	6.11
Total Assets, 5 Yr. CAGR %	5.42	8.75	7.91	7.99	6.42
Total Deposits, 5 Yr CAGR %	7.97	12.2	10.48	9.49	8.14
Tangible Book Value, 5 Yr. CAGR %	5.11	4.04	-3.3	-0.35	0.9
Average Interest Earning Assets, 5 Yr. CAGR %	5.14	8.24	8.78	9.02	8.06
Average Interest Bearing Liabilities, 5 Yr. CAGR %	5.39	6.81	7.64	9.27	8.41
Common Equity, 5 Yr. CAGR %	4.12	3.97	-1.66	0.51	1.44
Total Equity, 5 Yr. CAGR %	3.28	3.53	-0.76	1.37	2