Financial Ratios The Toronto-Dominion Bank

Equities

TD

CA8911605092

Banks

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Apr. 21	TD Says Virtual Card Numbers Now Available Through Google as Payment Option	MT
Apr. 20	TD Bank Group Announces Simplified Small Business Banking Accounts	CI

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Published financial data: THE TORONTO-DOMINION BANK

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: October	2021	2022	2023	2024	2025
Interest Income On Loans	23.96B	29.67B	54.04B	65.3B	61.59B
Interest Income On Investments	5.62B	11.37B	26.64B	28.09B	26.03B
Interest Income, Total	29.58B	41.03B	80.67B	93.39B	87.62B
Interest On Deposits	3.74B	9.75B	38.35B	46.86B	40.04B
Total Interest On Borrowings	1.71B	3.93B	12.38B	16.06B	14.52B
Interest Expense, Total	5.45B	13.68B	50.73B	62.92B	54.56B
Net Interest Income	24.13B	27.35B	29.94B	30.47B	33.06B
Income From Trading Activities	313M	-257M	2.42B	3.63B	4.6B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	14M	60M	-48M	-358M	7.21B
Total Other Non Interest Income	18.24B	21.65B	19.82B	23.76B	22.9B
Non Interest Income, Total	18.56B	21.46B	22.19B	27.02B	34.72B
Revenues Before Provison For Loan Losses	42.69B	48.81B	52.13B	57.5B	67.78B
Provision For Loan Losses	-224M	1.07B	2.93B	4.25B	4.51B
Total Revenues	42.92B	47.74B	49.2B	53.24B	63.27B
Salaries And Other Employee Benefits	10.97B	12.51B	14.42B	15.64B	17.07B
Amort. of Goodwill & Intang. Assets	706M	599M	672M	702M	780M
Occupancy Expense	1.61B	1.66B	1.8B	1.13B	1.13B
Selling General & Admin Expenses, Total	6.2B	6.33B	7.58B	9.16B	10.79B
(Income) Loss on Equity Invest.	-785M	-991M	-864M	-703M	-305M
Total Other Non Interest Expense	6.25B	6.44B	9.64B	14.94B	9.17B
Non Interest Expense, Total	24.95B	26.55B	33.25B	40.87B	38.64B
EBT, Excl. Unusual Items	17.97B	21.19B	15.96B	12.37B	24.63B
Restructuring Charges	-47M	-	-363M	-566M	-686M
Legal Settlements	-	224M	-1.64B	-274M	-
EBT, Incl. Unusual Items	17.92B	21.42B	13.95B	11.53B	23.95B
Income Tax Expense	3.62B	3.99B	3.17B	2.69B	3.41B
Earnings From Continuing Operations	14.3B	17.43B	10.78B	8.84B	20.54B
Net Income to Company	14.3B	17.43B	10.78B	8.84B	20.54B
Minority Interest	-	-	-	-	-
Net Income - (IS)	14.3B	17.43B	10.78B	8.84B	20.54B
Preferred Dividend and Other Adjustments	249M	259M	563M	526M	565M
Net Income to Common Incl Extra Items	14.05B	17.17B	10.22B	8.32B	19.97B
Net Income to Common Excl. Extra Items	14.05B	17.17B	10.22B	8.32B	19.97B
Per Share Items
Net EPS - Basic	7.73	9.48	5.61	4.73	11.57
Basic EPS - Continuing Operations	7.73	9.48	5.61	4.73	11.57
Basic Weighted Average Shares Outstanding	1.82B	1.81B	1.82B	1.76B	1.73B
Net EPS - Diluted	7.72	9.47	5.6	4.72	11.56
Diluted EPS - Continuing Operations	7.72	9.47	5.6	4.72	11.56
Diluted Weighted Average Shares Outstanding	1.82B	1.81B	1.82B	1.76B	1.73B
Normalized Basic EPS	6.18	7.32	5.47	4.4	8.92
Normalized Diluted EPS	6.17	7.3	5.47	4.39	8.91
Dividend Per Share	3.16	3.56	3.84	4.08	4.2
Payout Ratio	38.85	38.24	54.03	80.98	37.31
Supplemental Items
Effective Tax Rate - (Ratio)	20.21	18.61	22.71	23.33	14.24
Total Current Taxes	3.36B	3.48B	4.42B	3.75B	4.17B
Total Deferred Taxes	258M	502M	-1.26B	-1.06B	-764M
Normalized Net Income	11.23B	13.24B	9.97B	7.73B	15.4B
Non-Cash Pension Expense	68M	9M	-37M	6M	-11M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	1.41B	884M	1.33B	1.1B	1.16B
Total Stock-Based Compensation	1.41B	884M	1.33B	1.1B	1.16B

Fiscal Period: October	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	5.71B	8.56B	6.72B	6.44B	7.51B
Investment Securities, Total	672B	701B	673B	738B	721B
Trading Asset Securities, Total	204B	251B	243B	257B	303B
Mortgage Backed Securities	17.47B	18.28B	19.07B	17.5B	15.17B
Total investments	894B	970B	936B	1,012B	1,040B
Gross Loans	731B	840B	904B	958B	962B
Allowance For Loan Losses	-6.39B	-6.43B	-7.14B	-8.09B	-8.69B
Net Loans	724B	833B	896B	950B	953B
Gross Property Plant And Equipment	12.72B	13.24B	13.42B	13.72B	13.88B
Accumulated Depreciation	-3.54B	-3.84B	-3.99B	-3.88B	-3.75B
Net Property Plant And Equipment	9.18B	9.4B	9.43B	9.84B	10.13B
Goodwill	16.23B	17.66B	18.6B	18.85B	18.98B
Other Intangibles, Total	2.12B	2.3B	2.77B	3.04B	3.41B
Accrued Interest Receivable	2.2B	3.76B	5.5B	5.51B	5.67B
Other Receivables	43.31B	36.51B	49.06B	38.98B	40.46B
Restricted Cash	223M	-	-	-	-
Other Current Assets, Total	26.33B	29.97B	25.58B	9.61B	7.52B
Deferred Tax Assets Long-Term (Collected)	2.26B	2.19B	3.96B	4.94B	5.39B
Other Real Estate Owned And Foreclosed	53M	51M	59M	126M	101M
Other Long-Term Assets, Total	2.68B	3.41B	3.45B	2.23B	2.05B
Total Assets	1,729B	1,918B	1,957B	2,062B	2,095B
Liabilities
Accounts Payable, Total	7.5B	5.04B	8.41B	7.71B	8.95B
Accrued Expenses, Total	33.14B	29.3B	35.86B	31.98B	34.75B
Interest Bearing Deposits	755B	689B	611B	655B	649B
Institutional Deposits	283B	436B	512B	546B	544B
Non-Interest Bearing Deposits	155B	168B	138B	132B	134B
Total Deposits	1,193B	1,293B	1,261B	1,334B	1,327B
Short-Term Borrowings	57.12B	91.13B	71.64B	68.37B	79.36B
Current Portion of Long-Term Debt	148B	134B	120B	202B	226B
Current Portion of Leases	35M	14M	45M	40M	31M
Long-Term Debt	105B	156B	244B	217B	221B
Long-Term Leases	5.44B	5.3B	5B	4.97B	5.32B
Current Income Taxes Payable	82M	151M	162M	67M	296M
Accrued Interest Payable	714M	1.87B	4.42B	5.56B	4.65B
Other Current Liabilities - (Bank / Utility Template)	63.5B	67.35B	64.47B	42.23B	46.53B
Unearned Revenue Non Current	2.34B	2.48B	2.75B	-	-
Pension & Other Post Retirement Benefits	1.59B	1.29B	1.24B	1.38B	1.37B
Deferred Tax Liability Non-Current	244M	236M	204M	300M	303M
Other Non Current Liabilities	11.13B	18.56B	25.94B	31.16B	10.84B
Total Liabilities	1,629B	1,806B	1,845B	1,947B	1,967B
Preferred Stock Redeemable	5.7B	5.6B	5.2B	3.9B	2.85B
Preferred Stock - Others	-10M	-7M	-65M	-18M	-4M
Total Preferred Equity	5.69B	5.59B	5.14B	3.88B	2.85B
Common Stock, Total	23.07B	24.36B	25.43B	25.37B	24.73B
Additional Paid In Capital	173M	179M	155M	204M	285M
Retained Earnings	63.94B	73.7B	73.04B	70.83B	78.32B
Treasury Stock	-152M	-91M	-64M	-17M	-
Comprehensive Income and Other	7.1B	7.64B	8.4B	14.89B	21.65B
Total Common Equity	94.13B	106B	107B	111B	125B
Minority Interest	-	-	-	-	-
Total Equity	99.82B	111B	112B	115B	128B
Total Liabilities And Equity	1,729B	1,918B	1,957B	2,062B	2,095B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.82B	1.82B	1.79B	1.75B	1.69B
ECS Total Common Shares Outstanding	1.82B	1.82B	1.79B	1.75B	1.69B
Book Value / Share	51.66	58.1	59.74	63.41	73.79
Tangible Book Value	75.77B	85.83B	85.6B	89.38B	103B
Tangible Book Value Per Share	41.59	47.14	47.8	50.89	60.54
Average Assets	-	1,813B	1,922B	1,975B	2,108B
Average Loans	852B	902B	990B	1,063B	1,118B
Total Debt	315B	387B	441B	492B	532B
Debt Equivalent of Unfunded Proj. Benefit Obligation	170M	-1.15B	-939M	-448M	-538M
Net Debt	-215B	-161B	-106B	-143B	-130B
Equity Method Investments, Total	11.11B	8.09B	8.91B	9.02B	5.24B
Full Time Employees	89.46K	94.94K	103K	102K	100K

Fiscal Period: October	2021	2022	2023	2024	2025
Net Income	14.3B	17.43B	10.78B	8.84B	20.54B
Depreciation, Depletion & Amortization	1.31B	1.16B	1.23B	1.31B	1.36B
Amortization of Goodwill and Intangible Assets - (CF)	166M	106M	193M	172M	136M
Total Depreciation, Depletion & Amortization	1.47B	1.27B	1.42B	1.48B	1.49B
Amortization of Deferred Charges, Total	540M	493M	479M	530M	644M
(Gain) Loss on Sale of Investments - (CF)	-14M	-1.06B	48M	-664M	-7.21B
Total Asset Writedown	54M	4M	11M	19M	29M
Provision for Credit Losses	-224M	1.07B	2.93B	4.25B	4.51B
(Income) Loss On Equity Investments - (CF)	-785M	-991M	-864M	-703M	-305M
Change in Trading Asset Securities	54.5B	48.32B	28.56B	15.18B	-10.85B
Changes in Accrued Interest Receivable	-288M	-412M	812M	1.13B	-1.07B
Change In Income Taxes	239M	-4.1B	1.23B	658M	441M
Change in Other Net Operating Assets (Collected)	-13.42B	-129B	-83.97B	-44.66B	-82.99B
Other Operating Activities	258M	502M	-1.26B	-1.06B	-764M
Cash from Operations	56.62B	-66.81B	-39.82B	-14.98B	-75.54B
Capital Expenditure	-1.13B	-1.45B	-1.84B	-2.18B	-2.14B
Cash Acquisitions	-1.86B	-	-624M	-	-
Investment in Marketable and Equity Securities, Total	-42.28B	-30.44B	78.69B	-43.24B	88.33B
Net (Increase) Decrease in Loans Originated / Sold - Investing	-	-	-	-	-
Cash from Investing	-45.27B	-31.9B	76.23B	-45.42B	86.19B
Long-Term Debt Issued, Total	-	6M	-	3.32B	2.28B
Total Debt Issued	-	6M	-	3.32B	2.28B
Long-Term Debt Repaid, Total	-550M	-663M	-2.36B	-2.22B	-4.86B
Total Debt Repaid	-550M	-663M	-2.36B	-2.22B	-4.86B
Issuance of Common Stock	10.89B	11.02B	8.06B	11.38B	13.29B
Repurchase of Common Stock	-10.86B	-13.05B	-12.24B	-15.21B	-19.3B
Issuance of Preferred Stock	1.95B	5.81B	532M	2.01B	3.34B
Repurchase of Preferred Stock	-905M	-1.26B	-990M	-1.92B	-2.58B
Common & Preferred Stock Dividends Paid	-5.56B	-6.66B	-5.82B	-7.16B	-7.66B
Common & Preferred Stock Dividends Paid	-5.56B	-6.66B	-5.82B	-7.16B	-7.66B
Net Increase (Decrease) in Deposit Accounts - (CF)	-6.49B	106B	-25.49B	69.92B	5.89B
Other Financing Activities, Total	-5M	-27M	-21M	-7M	-7M
Cash from Financing	-11.53B	101B	-38.33B	60.11B	-9.61B
Foreign Exchange Rate Adjustments	-339M	390M	88M	14M	34M
Net Change in Cash	-514M	2.62B	-1.84B	-284M	1.08B
Supplemental Items
Cash Interest Paid	5.88B	12.52B	48.18B	61.78B	55.47B
Cash Income Tax Paid (Refund)	4.07B	4.4B	3.04B	3.81B	4.33B
Net Debt Issued / Repaid	-550M	-657M	-2.36B	1.1B	-2.58B

Fiscal Period: October	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.83	0.96	0.56	0.44	0.99
Return On Equity %	14.64	16.5	9.65	7.78	16.9
Return on Common Equity	15.27	17.03	9.61	7.62	16.91
Shareholders Value Added	3.45B	5.43B	-1.56B	-3.73B	6.93B
Margin Analysis
SG&A Margin	43.75	42.94	48.38	48.69	45.82
Net Interest Income / Total Revenues %	56.23	57.29	60.86	57.23	52.25
EBT Excl. Non-Recurring Items Margin %	41.86	44.39	32.43	23.24	38.93
Income From Continuing Operations Margin %	33.32	36.51	21.91	16.61	32.46
Net Income Margin %	33.32	36.51	21.91	16.61	32.46
Net Avail. For Common Margin %	32.74	35.96	20.77	15.62	31.57
Normalized Net Income Margin	26.16	27.74	20.27	14.52	24.33
Asset quality
Nonperforming Loans / Total Loans %	0.33	0.3	0.37	0.52	0.56
Nonperforming Loans / Total Assets %	0.14	0.13	0.17	0.24	0.26
Nonperforming Assets / Total Assets %	0.14	0.13	0.17	0.25	0.26
NPAs / Loans and OREO	0.34	0.3	0.37	0.53	0.57
NPAs / Equity	2.47	2.29	3	4.41	4.32
Allowance for Credit Losses / Net Charge-offs %	426.57	484.7	322.75	246.99	223.2
Allowance for Credit Losses / Nonperforming Loans %	265.04	256.97	216.31	163.55	160.31
Allowance for Credit Losses / Total Loans %	0.87	0.77	0.79	0.84	0.9
Net Charge-offs / Total Average Loans %	0.18	0.15	0.22	0.31	0.35
Provision for Loan Losses / Net Charge-offs %	-14.95	80.41	132.65	129.78	115.75
Earning Assets / IBL	116.66	116.76	114.95	112.98	112.81
Interest Income / Average Assets	-	2.26	4.2	4.73	4.16
Interest Expense / Average Assets	-	0.75	2.64	3.18	2.59
Net Interest Income / Average Assets	-	1.51	1.56	1.54	1.57
Non Interest Income / Average Assets	-	1.18	1.15	1.37	1.65
Non Interest Expense / Average Asset	-	1.46	1.73	2.07	1.83
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.34	5.53	5.49	5.43	5.68
Total Average Equity / Total Average Assets %	5.67	5.79	5.77	5.66	5.85
Total Equity + Allowance for Loan Losses / Total Loans %	14.54	14.03	13.2	12.87	14.19
Gross Loans / Total Deposits %	61.23	64.95	71.66	71.82	72.47
Net Loans / Total Deposits %	60.69	64.45	71.09	71.21	71.82
Tier 1 Capital Ratio %	16.5	18.3	16.2	14.8	16.4
Total Capital Ratio %	19.1	20.7	18.1	16.8	18.4
Core Tier 1 Capital Ratio	15.2	16.2	14.4	13.1	14.7
Tier 2 Capital Ratio	2.67	2.46	1.91	1.98	1.94
Coverage Ratio	265.04	256.97	216.31	163.55	160.31
Interbank Ratio	194.33	173.52	149.7	143.29	141.23
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	11.49	6.45	2.13	1.72	2.65
EBT + Interest Expense / Interest Expense	4.29	2.57	1.27	1.18	1.44
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-1.49	13.35	9.47	1.76	8.5
Non Interest Income, 1 Yr. Growth %	-3.07	15.59	3.43	20.71	28.46
Provision For Loan Losses, 1 Yr. Growth %	-103.09	-576.34	174.88	45.01	5.95
Total Revenues, 1 Yr. Growth %	17.89	11.24	3.06	7.78	18.83
Earnings From Cont. Operations, 1 Yr. Growth %	20.2	21.9	-38.14	-16.85	132.28
Net Income, 1 Yr. Growth %	20.2	21.9	-38.14	-16.85	132.28
Normalized Net Income, 1 Yr. Growth %	37.87	18.26	-24.71	-21.48	99.09
Diluted EPS Before Extra, 1 Yr. Growth %	20.06	22.67	-40.87	-14.49	144.92
Dividend Per Share, 1 Yr. Growth %	1.61	12.66	7.87	6.25	2.94
Gross Loans, 1 Yr. Growth %	0.32	14.95	7.58	6.02	0.43
Allowance For Loan Losses, 1 Yr. Growth %	-22.91	0.66	10.95	13.42	7.35
Net Loans, 1 Yr. Growth %	0.58	15.07	7.56	5.96	0.37
Non Performing Loans, 1 Yr. Growth %	-23.63	3.82	31.8	50.02	9.52
Non Performing Assets, 1 Yr. Growth %	-23.81	3.65	31.48	51.13	8.79
Total Assets, 1 Yr. Growth %	0.75	10.92	2.06	5.45	1.59
Total Deposits, 1 Yr Growth %	4.23	8.36	-2.49	5.53	-0.48
Tangible Book Value, 1 Yr. Growth %	7.36	10.72	-0.27	4.46	14.78
Average Interest Earning Assets, 1 Yr. Growth %	8.93	4.4	6.17	3.27	5.61
Average Interest Bearing Liabilities, 1 Yr. Growth %	6.74	4.31	7.84	5.07	5.77
Common Equity, 1 Yr. Growth %	4.76	10.34	1.12	4.06	12.31
Total Equity, 1 Yr. Growth %	4.52	11.59	0.65	2.76	11
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	0.65	5.67	11.4	5.55	5.08
Non Interest Income, 2 Yr. CAGR %	3.75	5.85	9.34	12.23	24.52
Provision For Loan Losses, 2 Yr. CAGR %	-72.81	-61.62	261.85	99.65	23.95
Total Revenues, 2 Yr. CAGR %	6.22	14.52	7.07	5.61	13.17
Earnings From Cont. Operations, 2 Yr. CAGR %	10.61	21.05	-13.16	-28.77	38.97
Net Income, 2 Yr. CAGR %	10.7	21.05	-13.16	-28.77	38.97
Normalized Net Income, 2 Yr. CAGR %	11.05	27.52	-5.64	-23.59	25.03
Diluted EPS Before Extra, 2 Yr. CAGR %	11.14	21.36	-14.83	-29.4	44.71
Dividend Per Share, 2 Yr. CAGR %	4.57	6.99	10.24	7.05	4.58
Gross Loans, 2 Yr. CAGR %	2.81	7.38	11.2	6.8	3.19
Allowance For Loan Losses, 2 Yr. CAGR %	19.87	-11.91	5.68	12.18	10.35
Net Loans, 2 Yr. CAGR %	2.69	7.58	11.25	6.75	3.13
Non Performing Loans, 2 Yr. CAGR %	-10.83	-10.96	16.97	40.61	28.18
Non Performing Assets, 2 Yr. CAGR %	-11.6	-11.13	16.74	40.96	28.22
Total Assets, 2 Yr. CAGR %	10.52	5.71	6.4	3.69	3.5
Total Deposits, 2 Yr CAGR %	11.44	6.27	2.8	1.56	2.48
Tangible Book Value, 2 Yr. CAGR %	10.17	10.28	5.08	2.05	9.5
Average Interest Earning Assets, 2 Yr. CAGR %	12.54	6.64	5.28	4.71	4.43
Average Interest Bearing Liabilities, 2 Yr. CAGR %	11.44	5.52	6.06	6.44	5.42
Common Equity, 2 Yr. CAGR %	7.2	8.51	5.63	2.56	8.11
Total Equity, 2 Yr. CAGR %	6.68	8	5.98	1.68	6.8
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	2.76	4.72	6.92	8.09	6.52
Non Interest Income, 3 Yr. CAGR %	3.68	7.55	5.04	13.34	17.4
Provision For Loan Losses, 3 Yr. CAGR %	-55.13	-29.38	-26.01	166.78	61.64
Total Revenues, 3 Yr. CAGR %	5.63	7.87	10.56	7.45	9.84
Earnings From Cont. Operations, 3 Yr. CAGR %	8.05	14.25	-3.22	-14.8	5.62
Net Income, 3 Yr. CAGR %	8.28	14.31	-3.22	-14.8	5.62
Normalized Net Income, 3 Yr. CAGR %	7.47	13.31	6.98	-11.61	5.15
Diluted EPS Before Extra, 3 Yr. CAGR %	8.7	14.86	-4.5	-15.13	6.87
Dividend Per Share, 3 Yr. CAGR %	6.58	7.2	7.28	8.89	5.67
Gross Loans, 3 Yr. CAGR %	3.91	6.71	7.45	9.45	4.63
Allowance For Loan Losses, 3 Yr. CAGR %	21.66	13.09	-4.87	8.2	10.55
Net Loans, 3 Yr. CAGR %	3.79	6.66	7.58	9.46	4.58
Non Performing Loans, 3 Yr. CAGR %	-8.57	-6.19	1.48	27.09	29.37
Non Performing Assets, 3 Yr. CAGR %	-8.68	-6.78	1.26	27.23	29.3
Total Assets, 3 Yr. CAGR %	9	10.65	4.48	6.05	2.99
Total Deposits, 3 Yr CAGR %	8.74	10.4	3.27	3.78	0.88
Tangible Book Value, 3 Yr. CAGR %	11.23	11.2	6.64	4.86	6.13
Average Interest Earning Assets, 3 Yr. CAGR %	10.68	9.76	6.48	4.6	5.01
Average Interest Bearing Liabilities, 3 Yr. CAGR %	10.11	9.01	6.28	5.73	6.22
Common Equity, 3 Yr. CAGR %	8.32	8.9	5.99	5.09	5.71
Total Equity, 3 Yr. CAGR %	7.64	8.29	5.49	4.88	4.7
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	3.91	5.58	6.13	5.05	6.18
Non Interest Income, 5 Yr. CAGR %	5.22	6.92	5.91	9.4	12.64
Provision For Loan Losses, 5 Yr. CAGR %	-37.4	-13.6	3.41	7.02	-9.05
Total Revenues, 5 Yr. CAGR %	6.06	7.03	6.21	6.96	11.69
Earnings From Cont. Operations, 5 Yr. CAGR %	9.86	10.63	-0.99	-5.42	11.54
Net Income, 5 Yr. CAGR %	10.14	10.89	-0.87	-5.4	11.54
Normalized Net Income, 5 Yr. CAGR %	10.56	11	1.97	-3.21	13.58
Diluted EPS Before Extra, 5 Yr. CAGR %	10.58	11.48	-1.4	-5.46	12.45
Dividend Per Share, 5 Yr. CAGR %	7.91	8.66	8.03	7.14	6.19
Gross Loans, 5 Yr. CAGR %	4.38	6.38	6.77	6.74	5.72
Allowance For Loan Losses, 5 Yr. CAGR %	10.53	11.2	14.99	12.72	0.95
Net Loans, 5 Yr. CAGR %	4.34	6.35	6.71	6.7	5.77
Non Performing Loans, 5 Yr. CAGR %	-12.15	-7.44	0.9	10.3	11.42
Non Performing Assets, 5 Yr. CAGR %	-12.17	-7.46	0.75	9.99	11.29
Total Assets, 5 Yr. CAGR %	7.99	8.44	7.95	7.81	4.07
Total Deposits, 5 Yr CAGR %	7.73	7.96	6.32	6.78	3
Tangible Book Value, 5 Yr. CAGR %	9.17	11.11	9.23	7.44	7.77
Average Interest Earning Assets, 5 Yr. CAGR %	9.36	8.78	8.49	7.71	5.66
Average Interest Bearing Liabilities, 5 Yr. CAGR %	8.65	8.55	8.47	7.98	5.94
Common Equity, 5 Yr. CAGR %	6.67	8.78	7.63	6.32	6.82
Total Equity, 5 Yr. CAGR %	6.11	8.18	6.97	5.6	6