Financial Ratios The Toronto-Dominion Bank

Equities

TD

CA8911605092

Banks

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Published financial data: THE TORONTO-DOMINION BANK

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: October	2020	2021	2022	2023	2024
Interest Income On Loans	28.15B	23.96B	29.67B	54.04B	65.3B
Interest Income On Investments	7.5B	5.62B	11.37B	26.64B	28.09B
Interest Income, Total	35.65B	29.58B	41.03B	80.67B	93.39B
Interest On Deposits	7.16B	3.74B	9.75B	38.35B	46.86B
Total Interest On Borrowings	2.87B	1.71B	3.93B	12.38B	16.06B
Interest Expense, Total	10.04B	5.45B	13.68B	50.73B	62.92B
Net Interest Income	25.61B	24.13B	27.35B	29.94B	30.47B
Trust Income	-	-	-	-	-
Income From Trading Activities	1.4B	313M	-257M	2.42B	3.63B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	1.44B	14M	60M	-48M	-358M
Total Other Non Interest Income	15.19B	18.24B	21.65B	19.82B	23.76B
Non Interest Income, Total	18.04B	18.56B	21.46B	22.19B	27.02B
Revenues Before Provison For Loan Losses	43.65B	42.69B	48.81B	52.13B	57.5B
Provision For Loan Losses	7.24B	-224M	1.07B	2.93B	4.25B
Total Revenues	36.4B	42.92B	47.74B	49.2B	53.24B
Salaries And Other Employee Benefits	11.59B	10.97B	12.51B	14.42B	15.64B
Amort. of Goodwill & Intang. Assets	817M	706M	599M	672M	702M
Occupancy Expense	1.99B	1.61B	1.66B	1.8B	1.13B
Selling General & Admin Expenses, Total	3.47B	6.2B	6.33B	7.58B	9.16B
(Income) Loss on Equity Invest.	-1.13B	-785M	-991M	-864M	-703M
Total Other Non Interest Expense	6.64B	6.25B	6.44B	9.64B	14.94B
Non Interest Expense, Total	23.37B	24.95B	26.55B	33.25B	40.87B
EBT, Excl. Unusual Items	13.03B	17.97B	21.19B	15.96B	12.37B
Restructuring Charges	16M	-47M	-	-363M	-566M
Legal Settlements	-	-	224M	-1.64B	-274M
EBT, Incl. Unusual Items	13.05B	17.92B	21.42B	13.95B	11.53B
Income Tax Expense	1.15B	3.62B	3.99B	3.17B	2.69B
Earnings From Continuing Operations	11.9B	14.3B	17.43B	10.78B	8.84B
Net Income to Company	11.9B	14.3B	17.43B	10.78B	8.84B
Minority Interest	-	-	-	-	-
Net Income - (IS)	11.9B	14.3B	17.43B	10.78B	8.84B
Preferred Dividend and Other Adjustments	267M	249M	259M	563M	526M
Net Income to Common Incl Extra Items	11.63B	14.05B	17.17B	10.22B	8.32B
Net Income to Common Excl. Extra Items	11.63B	14.05B	17.17B	10.22B	8.32B
Per Share Items
Net EPS - Basic	6.43	7.73	9.48	5.61	4.73
Basic EPS - Continuing Operations	6.43	7.73	9.48	5.61	4.73
Basic Weighted Average Shares Outstanding	1.81B	1.82B	1.81B	1.82B	1.76B
Net EPS - Diluted	6.43	7.72	9.47	5.6	4.72
Diluted EPS - Continuing Operations	6.43	7.72	9.47	5.6	4.72
Diluted Weighted Average Shares Outstanding	1.81B	1.82B	1.81B	1.82B	1.76B
Normalized Basic EPS	4.51	6.18	7.32	5.47	4.4
Normalized Diluted EPS	4.5	6.17	7.3	5.47	4.39
Dividend Per Share	3.11	3.16	3.56	3.84	4.08
Payout Ratio	42.4	38.85	38.24	54.03	80.98
Supplemental Items
Effective Tax Rate - (Ratio)	8.83	20.21	18.61	22.71	23.33
Total Current Taxes	2.22B	3.36B	3.48B	4.42B	3.75B
Total Deferred Taxes	-1.06B	258M	502M	-1.26B	-1.06B
Normalized Net Income	8.14B	11.23B	13.24B	9.97B	7.73B
Non-Cash Pension Expense	55M	68M	9M	-37M	6M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	299M	1.41B	884M	1.33B	1.1B
Total Stock-Based Compensation	299M	1.41B	884M	1.33B	1.1B

Fiscal Period: October	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	4.55B	5.71B	8.56B	6.72B	6.44B
Investment Securities, Total	659B	672B	701B	673B	738B
Trading Asset Securities, Total	206B	204B	251B	243B	257B
Mortgage Backed Securities	20.86B	17.47B	18.28B	19.07B	17.5B
Total investments	886B	894B	970B	936B	1,012B
Gross Loans	728B	731B	840B	904B	958B
Allowance For Loan Losses	-8.29B	-6.39B	-6.43B	-7.14B	-8.09B
Net Loans	720B	724B	833B	896B	950B
Gross Property Plant And Equipment	13.79B	12.72B	13.24B	13.42B	13.72B
Accumulated Depreciation	-3.66B	-3.54B	-3.84B	-3.99B	-3.88B
Net Property Plant And Equipment	10.14B	9.18B	9.4B	9.43B	9.84B
Goodwill	17.15B	16.23B	17.66B	18.6B	18.85B
Other Intangibles, Total	2.12B	2.12B	2.3B	2.77B	3.04B
Accrued Interest Receivable	2.34B	2.2B	3.76B	5.5B	5.51B
Other Receivables	46.97B	43.31B	36.51B	49.06B	38.98B
Restricted Cash	1.89B	223M	-	-	-
Other Current Assets, Total	19.73B	26.33B	29.97B	25.58B	9.61B
Deferred Tax Assets Long-Term (Collected)	2.44B	2.26B	2.19B	3.96B	4.94B
Other Real Estate Owned And Foreclosed	77M	53M	51M	59M	126M
Other Long-Term Assets, Total	2.28B	2.68B	3.41B	3.45B	2.23B
Total Assets	1,716B	1,729B	1,918B	1,957B	2,062B
Liabilities
Accounts Payable, Total	6.57B	7.5B	5.04B	8.41B	7.71B
Accrued Expenses, Total	38.04B	33.14B	29.3B	35.86B	31.98B
Interest Bearing Deposits	726B	755B	689B	611B	655B
Institutional Deposits	287B	283B	436B	512B	546B
Non-Interest Bearing Deposits	132B	155B	168B	138B	132B
Total Deposits	1,145B	1,193B	1,293B	1,261B	1,334B
Short-Term Borrowings	53.2B	57.12B	91.13B	71.64B	68.37B
Current Portion of Long-Term Debt	188B	148B	134B	120B	202B
Current Portion of Leases	-	35M	14M	45M	40M
Long-Term Debt	111B	105B	156B	244B	217B
Long-Term Leases	6.1B	5.44B	5.3B	5B	4.97B
Current Income Taxes Payable	275M	82M	151M	162M	67M
Accrued Interest Payable	1.14B	714M	1.87B	4.42B	5.56B
Other Current Liabilities - (Bank / Utility Template)	52.38B	63.5B	67.35B	64.47B	42.23B
Unearned Revenue Non Current	2.12B	2.34B	2.48B	2.75B	-
Pension & Other Post Retirement Benefits	3.3B	1.59B	1.29B	1.24B	1.38B
Deferred Tax Liability Non-Current	284M	244M	236M	204M	300M
Other Non Current Liabilities	12.97B	11.13B	18.56B	25.94B	31.16B
Total Liabilities	1,620B	1,629B	1,806B	1,845B	1,947B
Preferred Stock Redeemable	5.65B	5.7B	5.6B	5.2B	3.9B
Preferred Stock - Others	-4M	-10M	-7M	-65M	-18M
Total Preferred Equity	5.65B	5.69B	5.59B	5.14B	3.88B
Common Stock, Total	22.49B	23.07B	24.36B	25.43B	25.37B
Additional Paid In Capital	121M	173M	179M	155M	204M
Retained Earnings	53.84B	63.94B	73.7B	73.04B	70.83B
Treasury Stock	-37M	-152M	-91M	-64M	-17M
Comprehensive Income and Other	13.44B	7.1B	7.64B	8.4B	14.89B
Total Common Equity	89.85B	94.13B	106B	107B	111B
Minority Interest	-	-	-	-	-
Total Equity	95.5B	99.82B	111B	112B	115B
Total Liabilities And Equity	1,716B	1,729B	1,918B	1,957B	2,062B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.82B	1.82B	1.82B	1.79B	1.75B
ECS Total Common Shares Outstanding	1.82B	1.82B	1.82B	1.79B	1.75B
Book Value / Share	49.49	51.66	58.1	59.74	63.41
Tangible Book Value	70.58B	75.77B	85.83B	85.6B	89.38B
Tangible Book Value Per Share	38.87	41.59	47.14	47.8	50.89
Average Assets	-	-	1,813B	1,922B	1,975B
Average Loans	835B	852B	902B	990B	1,063B
Total Debt	358B	315B	387B	441B	492B
Debt Equivalent of Unfunded Proj. Benefit Obligation	2.35B	170M	-1.15B	-939M	-448M
Net Debt	-182B	-215B	-161B	-106B	-143B
Equity Method Investments, Total	12.17B	11.11B	8.09B	8.91B	9.02B
Full Time Employees	89.6K	89.46K	94.94K	103K	102K

Fiscal Period: October	2020	2021	2022	2023	2024
Net Income	11.9B	14.3B	17.43B	10.78B	8.84B
Depreciation, Depletion & Amortization	1.32B	1.31B	1.16B	1.23B	1.31B
Amortization of Goodwill and Intangible Assets - (CF)	216M	166M	106M	193M	172M
Total Depreciation, Depletion & Amortization	1.54B	1.47B	1.27B	1.42B	1.48B
Amortization of Deferred Charges, Total	601M	540M	493M	479M	530M
(Gain) Loss on Sale of Investments - (CF)	-1.53B	-14M	-1.06B	48M	-664M
Total Asset Writedown	-	54M	4M	11M	19M
Provision for Credit Losses	7.24B	-224M	1.07B	2.93B	4.25B
(Income) Loss On Equity Investments - (CF)	-1.13B	-785M	-991M	-864M	-703M
Change in Trading Asset Securities	-46.16B	54.5B	48.32B	28.56B	15.18B
Changes in Accrued Interest Receivable	-108M	-288M	-412M	812M	1.13B
Change In Income Taxes	280M	239M	-4.1B	1.23B	658M
Change in Other Net Operating Assets (Collected)	18.43B	-13.42B	-129B	-83.97B	-44.66B
Other Operating Activities	87M	258M	502M	-1.26B	-1.06B
Cash from Operations	-8.86B	56.62B	-66.81B	-39.82B	-14.98B
Capital Expenditure	-1.76B	-1.13B	-1.45B	-1.84B	-2.18B
Cash Acquisitions	-	-1.86B	-	-624M	-
Investment in Marketable and Equity Securities, Total	-222B	-42.28B	-30.44B	78.69B	-43.24B
Net (Increase) Decrease in Loans Originated / Sold - Investing	-	-	-	-	-
Cash from Investing	-224B	-45.27B	-31.9B	76.23B	-45.42B
Long-Term Debt Issued, Total	3B	-	6M	-	3.32B
Total Debt Issued	3B	-	6M	-	3.32B
Long-Term Debt Repaid, Total	-3.13B	-550M	-663M	-2.36B	-2.22B
Total Debt Repaid	-3.13B	-550M	-663M	-2.36B	-2.22B
Issuance of Common Stock	8.82B	10.89B	11.02B	8.06B	11.38B
Repurchase of Common Stock	-9.6B	-10.86B	-13.05B	-12.24B	-15.21B
Issuance of Preferred Stock	124M	1.95B	5.81B	532M	2.01B
Repurchase of Preferred Stock	-278M	-905M	-1.26B	-990M	-1.92B
Common & Preferred Stock Dividends Paid	-5.04B	-5.56B	-6.66B	-5.82B	-7.16B
Common & Preferred Stock Dividends Paid	-5.04B	-5.56B	-6.66B	-5.82B	-7.16B
Net Increase (Decrease) in Deposit Accounts - (CF)	241B	-6.49B	106B	-25.49B	69.92B
Other Financing Activities, Total	-31M	-5M	-27M	-21M	-7M
Cash from Financing	235B	-11.53B	101B	-38.33B	60.11B
Foreign Exchange Rate Adjustments	40M	-339M	390M	88M	14M
Net Change in Cash	1.58B	-514M	2.62B	-1.84B	-284M
Supplemental Items
Cash Interest Paid	10.29B	5.88B	12.52B	48.18B	61.78B
Cash Income Tax Paid (Refund)	2.28B	4.07B	4.4B	3.04B	3.81B
Net Debt Issued / Repaid	-126M	-550M	-657M	-2.36B	1.1B

Fiscal Period: October	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.76	0.83	0.96	0.56	0.44
Return On Equity %	12.99	14.64	16.5	9.65	7.78
Return on Common Equity	13.54	15.27	17.03	9.61	7.62
Shareholders Value Added	1.8B	3.45B	5.43B	-1.56B	-3.73B
Margin Analysis
SG&A Margin	46.84	43.75	42.94	48.38	48.69
Net Interest Income / Total Revenues %	70.35	56.23	57.29	60.86	57.23
EBT Excl. Non-Recurring Items Margin %	35.8	41.86	44.39	32.43	23.24
Income From Continuing Operations Margin %	32.67	33.32	36.51	21.91	16.61
Net Income Margin %	32.67	33.32	36.51	21.91	16.61
Net Avail. For Common Margin %	31.94	32.74	35.96	20.77	15.62
Normalized Net Income Margin	22.37	26.16	27.74	20.27	14.52
Asset quality
Nonperforming Loans / Total Loans %	0.43	0.33	0.3	0.37	0.52
Nonperforming Loans / Total Assets %	0.18	0.14	0.13	0.17	0.24
Nonperforming Assets / Total Assets %	0.19	0.14	0.13	0.17	0.25
NPAs / Loans and OREO	0.44	0.34	0.3	0.37	0.53
NPAs / Equity	3.39	2.47	2.29	3	4.41
Allowance for Credit Losses / Net Charge-offs %	296.35	426.57	484.7	322.75	246.99
Allowance for Credit Losses / Nonperforming Loans %	262.56	265.04	256.97	216.31	163.55
Allowance for Credit Losses / Total Loans %	1.14	0.87	0.77	0.79	0.84
Net Charge-offs / Total Average Loans %	0.34	0.18	0.15	0.22	0.31
Provision for Loan Losses / Net Charge-offs %	258.92	-14.95	80.41	132.65	129.78
Earning Assets / IBL	114.31	116.66	116.76	114.95	112.98
Interest Income / Average Assets	-	-	2.26	4.2	4.73
Interest Expense / Average Assets	-	-	0.75	2.64	3.18
Net Interest Income / Average Assets	-	-	1.51	1.56	1.54
Non Interest Income / Average Assets	-	-	1.18	1.15	1.37
Non Interest Expense / Average Asset	-	-	1.46	1.73	2.07
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.49	5.34	5.53	5.49	5.43
Total Average Equity / Total Average Assets %	5.85	5.67	5.79	5.77	5.66
Total Equity + Allowance for Loan Losses / Total Loans %	14.25	14.54	14.03	13.2	12.87
Gross Loans / Total Deposits %	63.62	61.23	64.95	71.66	71.82
Net Loans / Total Deposits %	62.89	60.69	64.45	71.09	71.21
Tier 1 Capital Ratio %	14.4	16.5	18.3	16.2	14.8
Total Capital Ratio %	16.7	19.1	20.7	18.1	16.8
Core Tier 1 Capital Ratio	13.1	15.2	16.2	14.4	13.1
Tier 2 Capital Ratio	2.28	2.67	2.46	1.91	1.98
Coverage Ratio	262.56	265.04	256.97	216.31	163.55
Interbank Ratio	151.33	194.33	173.52	149.7	143.29
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	5.54	11.49	6.45	2.13	1.72
EBT + Interest Expense / Interest Expense	2.3	4.29	2.57	1.27	1.18
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	7.02	-1.49	13.35	9.47	1.76
Non Interest Income, 1 Yr. Growth %	5.26	-3.07	15.59	3.43	20.71
Provision For Loan Losses, 1 Yr. Growth %	139.09	-103.09	-576.34	174.88	45.01
Total Revenues, 1 Yr. Growth %	-4.29	17.89	11.24	3.06	7.78
Earnings From Cont. Operations, 1 Yr. Growth %	1.79	20.2	21.9	-38.14	-16.85
Net Income, 1 Yr. Growth %	1.95	20.2	21.9	-38.14	-16.85
Normalized Net Income, 1 Yr. Growth %	-10.55	37.87	18.26	-24.71	-21.48
Diluted EPS Before Extra, 1 Yr. Growth %	2.88	20.06	22.67	-40.87	-14.49
Dividend Per Share, 1 Yr. Growth %	7.61	1.61	12.66	7.87	6.25
Gross Loans, 1 Yr. Growth %	5.37	0.32	14.95	7.58	6.02
Allowance For Loan Losses, 1 Yr. Growth %	86.4	-22.91	0.66	10.95	13.42
Net Loans, 1 Yr. Growth %	4.85	0.58	15.07	7.56	5.96
Non Performing Loans, 1 Yr. Growth %	4.12	-23.63	3.82	31.8	50.02
Non Performing Assets, 1 Yr. Growth %	2.57	-23.81	3.65	31.48	51.13
Total Assets, 1 Yr. Growth %	21.24	0.75	10.92	2.06	5.45
Total Deposits, 1 Yr Growth %	19.15	4.23	8.36	-2.49	5.53
Tangible Book Value, 1 Yr. Growth %	13.06	7.36	10.72	-0.27	4.46
Average Interest Earning Assets, 1 Yr. Growth %	16.27	8.93	4.4	6.17	3.27
Average Interest Bearing Liabilities, 1 Yr. Growth %	16.35	6.74	4.31	7.84	5.07
Common Equity, 1 Yr. Growth %	9.7	4.76	10.34	1.12	4.06
Total Equity, 1 Yr. Growth %	8.89	4.52	11.59	0.65	2.76
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	7.31	0.65	5.67	11.4	5.55
Non Interest Income, 2 Yr. CAGR %	4.07	3.75	5.85	9.34	12.23
Provision For Loan Losses, 2 Yr. CAGR %	70.88	-72.81	-61.62	261.85	99.65
Total Revenues, 2 Yr. CAGR %	-0.01	6.22	14.52	7.07	5.61
Earnings From Cont. Operations, 2 Yr. CAGR %	2.44	10.61	21.05	-13.16	-28.77
Net Income, 2 Yr. CAGR %	2.77	10.7	21.05	-13.16	-28.77
Normalized Net Income, 2 Yr. CAGR %	-5.12	11.05	27.52	-5.64	-23.59
Diluted EPS Before Extra, 2 Yr. CAGR %	3.44	11.14	21.36	-14.83	-29.4
Dividend Per Share, 2 Yr. CAGR %	9.16	4.57	6.99	10.24	7.05
Gross Loans, 2 Yr. CAGR %	5.75	2.81	7.38	11.2	6.8
Allowance For Loan Losses, 2 Yr. CAGR %	52.83	19.87	-11.91	5.68	12.18
Net Loans, 2 Yr. CAGR %	5.43	2.69	7.58	11.25	6.75
Non Performing Loans, 2 Yr. CAGR %	0.05	-10.83	-10.96	16.97	40.61
Non Performing Assets, 2 Yr. CAGR %	-0.02	-11.6	-11.13	16.74	40.96
Total Assets, 2 Yr. CAGR %	13.37	10.52	5.71	6.4	3.69
Total Deposits, 2 Yr CAGR %	11.07	11.44	6.27	2.8	1.56
Tangible Book Value, 2 Yr. CAGR %	13.22	10.17	10.28	5.08	2.05
Average Interest Earning Assets, 2 Yr. CAGR %	11.57	12.54	6.64	5.28	4.71
Average Interest Bearing Liabilities, 2 Yr. CAGR %	11.84	11.44	5.52	6.06	6.44
Common Equity, 2 Yr. CAGR %	10.15	7.2	8.51	5.63	2.56
Total Equity, 2 Yr. CAGR %	9.23	6.68	8	5.98	1.68
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	7.1	2.76	4.72	6.92	8.09
Non Interest Income, 3 Yr. CAGR %	5.51	3.68	7.55	5.04	13.34
Provision For Loan Losses, 3 Yr. CAGR %	48.4	-55.13	-29.38	-26.01	166.78
Total Revenues, 3 Yr. CAGR %	2.32	5.63	7.87	10.56	7.45
Earnings From Cont. Operations, 3 Yr. CAGR %	4.19	8.05	14.25	-3.22	-14.8
Net Income, 3 Yr. CAGR %	4.59	8.28	14.31	-3.22	-14.8
Normalized Net Income, 3 Yr. CAGR %	1.19	7.47	13.31	6.98	-11.61
Diluted EPS Before Extra, 3 Yr. CAGR %	5.35	8.7	14.86	-4.5	-15.13
Dividend Per Share, 3 Yr. CAGR %	9.79	6.58	7.2	7.28	8.89
Gross Loans, 3 Yr. CAGR %	5.72	3.91	6.71	7.45	9.45
Allowance For Loan Losses, 3 Yr. CAGR %	29.88	21.66	13.09	-4.87	8.2
Net Loans, 3 Yr. CAGR %	5.53	3.79	6.66	7.58	9.46
Non Performing Loans, 3 Yr. CAGR %	-5.02	-8.57	-6.19	1.48	27.09
Non Performing Assets, 3 Yr. CAGR %	-4.92	-8.68	-6.78	1.26	27.23
Total Assets, 3 Yr. CAGR %	10.29	9	10.65	4.48	6.05
Total Deposits, 3 Yr CAGR %	9.09	8.74	10.4	3.27	3.78
Tangible Book Value, 3 Yr. CAGR %	11.67	11.23	11.2	6.64	4.86
Average Interest Earning Assets, 3 Yr. CAGR %	10.22	10.68	9.76	6.48	4.6
Average Interest Bearing Liabilities, 3 Yr. CAGR %	10.62	10.11	9.01	6.28	5.73
Common Equity, 3 Yr. CAGR %	8.96	8.32	8.9	5.99	5.09
Total Equity, 3 Yr. CAGR %	8.3	7.64	8.29	5.49	4.88
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	6.46	3.91	5.58	6.13	5.05
Non Interest Income, 5 Yr. CAGR %	7.26	5.22	6.92	5.91	9.4
Provision For Loan Losses, 5 Yr. CAGR %	33.89	-37.4	-13.6	3.41	7.02
Total Revenues, 5 Yr. CAGR %	4.12	6.06	7.03	6.21	6.96
Earnings From Cont. Operations, 5 Yr. CAGR %	8.19	9.86	10.63	-0.99	-5.42
Net Income, 5 Yr. CAGR %	8.5	10.14	10.89	-0.87	-5.4
Normalized Net Income, 5 Yr. CAGR %	5.32	10.56	11	1.97	-3.21
Diluted EPS Before Extra, 5 Yr. CAGR %	8.84	10.58	11.48	-1.4	-5.46
Dividend Per Share, 5 Yr. CAGR %	9.23	7.91	8.66	8.03	7.14
Gross Loans, 5 Yr. CAGR %	5.86	4.38	6.38	6.77	6.74
Allowance For Loan Losses, 5 Yr. CAGR %	19.27	10.53	11.2	14.99	12.72
Net Loans, 5 Yr. CAGR %	5.75	4.34	6.35	6.71	6.7
Non Performing Loans, 5 Yr. CAGR %	-6.61	-12.15	-7.44	0.9	10.3
Non Performing Assets, 5 Yr. CAGR %	-6.71	-12.17	-7.46	0.75	9.99
Total Assets, 5 Yr. CAGR %	9.21	7.99	8.44	7.95	7.81
Total Deposits, 5 Yr CAGR %	8.99	7.73	7.96	6.32	6.78
Tangible Book Value, 5 Yr. CAGR %	10.06	9.17	11.11	9.23	7.44
Average Interest Earning Assets, 5 Yr. CAGR %	9.26	9.36	8.78	8.49	7.71
Average Interest Bearing Liabilities, 5 Yr. CAGR %	7.25	8.65	8.55	8.47	7.98
Common Equity, 5 Yr. CAGR %	7.45	6.67	8.78	7.63	6.32
Total Equity, 5 Yr. CAGR %	7.34	6.11	8.18	6.97	5.6