Financial Ratios Western Alliance Bancorporation

Equities

WAL

US9576381092

Banks

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80.81 ^USD	-0.92%		-10.39%	-4.00%

Feb. 09	Western Alliance Bancorp's Western Alliance Bank Providing $50 Million Warehouse Facility to Peachtree	MT
Feb. 09	Peachtree Group and Western Alliance Bank announce $50 million warehouse facility	RE

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Published financial data: WESTERN ALLIANCE BANCORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	1.49B	2.39B	3.41B	3.63B	3.68B
Interest Income On Investments	170M	298M	626M	912M	1.01B
Interest Income, Total	1.66B	2.69B	4.04B	4.54B	4.69B
Interest On Deposits	47.5M	276M	1.14B	1.6B	1.54B
Total Interest On Borrowings	62.4M	199M	554M	322M	290M
Interest Expense, Total	110M	476M	1.7B	1.92B	1.83B
Net Interest Income	1.55B	2.22B	2.34B	2.62B	2.86B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	7M	-21.8M	-157M	24.9M	42.3M
Income (Loss) on Equity Invest. (Income Block)	22.1M	17.8M	15.7M	38.2M	18.1M
Total Other Non Interest Income	375M	329M	422M	480M	618M
Non Interest Income, Total	404M	325M	281M	543M	678M
Revenues Before Provison For Loan Losses	1.95B	2.54B	2.62B	3.16B	3.54B
Provision For Loan Losses	-21.4M	68.1M	62.6M	146M	224M
Total Revenues	1.97B	2.47B	2.56B	3.02B	3.32B
Salaries And Other Employee Benefits	456M	511M	534M	591M	721M
Amort. of Goodwill & Intang. Assets	-	-	-	-	-
Occupancy Expense	-	-	-	-	-
Federal Deposit Insurance	23M	31.1M	190M	165M	118M
Selling General & Admin Expenses, Total	184M	289M	349M	405M	439M
(Income) Loss on Real Estate Property	-3.5M	-700K	-	-	-
Total Other Non Interest Expense	170M	326M	603M	864M	834M
Non Interest Expense, Total	830M	1.16B	1.68B	2.02B	2.11B
EBT, Excl. Unusual Items	1.14B	1.32B	881M	991M	1.21B
Total Merger & Related Restructuring Charges	-15.3M	-400K	-	-	-
Other Unusual Items	-5.9M	-	52.7M	-	-
EBT, Incl. Unusual Items	1.12B	1.32B	934M	991M	1.21B
Income Tax Expense	224M	259M	211M	204M	217M
Earnings From Continuing Operations	899M	1.06B	722M	788M	991M
Net Income to Company	899M	1.06B	722M	788M	991M
Minority Interest	-	-	-	-	-21.6M
Net Income - (IS)	899M	1.06B	722M	788M	969M
Preferred Dividend and Other Adjustments	3.5M	12.8M	12.8M	12.8M	12.8M
Net Income to Common Incl Extra Items	896M	1.04B	710M	775M	956M
Net Income to Common Excl. Extra Items	896M	1.04B	710M	775M	956M
Per Share Items
Net EPS - Basic	8.72	9.74	6.55	7.14	8.79
Basic EPS - Continuing Operations	8.72	9.74	6.55	7.14	8.79
Basic Weighted Average Shares Outstanding	103M	107M	108M	109M	109M
Net EPS - Diluted	8.67	9.7	6.54	7.09	8.73
Diluted EPS - Continuing Operations	8.67	9.7	6.54	7.09	8.73
Diluted Weighted Average Shares Outstanding	103M	108M	108M	109M	110M
Normalized Basic EPS	6.96	7.68	5.08	5.7	6.74
Normalized Diluted EPS	6.92	7.65	5.07	5.67	6.69
Dividend Per Share	1.2	1.42	1.45	1.49	1.56
Payout Ratio	14.19	15.72	23.74	22.44	19.07
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	19.93	19.66	22.62	20.53	17.94
Current Domestic Taxes	-	-	-	-	-
Total Current Taxes	182M	327M	236M	191M	348M
Deferred Domestic Taxes	-	-	-	-	-
Total Deferred Taxes	42M	-68.6M	-24.9M	12.4M	-131M
Normalized Net Income	715M	823M	551M	620M	733M
Non-Cash Pension Expense	1.1M	1M	1M	1.2M	1M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	10.4M	28.7M	32.7M	40.2M	36.8M
Stock-Based Comp., Other (Total)	24.7M	11.1M	1.6M	7.5M	14.6M
Total Stock-Based Compensation	35.1M	39.8M	34.3M	47.7M	51.4M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	516M	1.04B	1.58B	4.1B	3.6B
Investment Securities, Total	4.51B	6.12B	9.67B	8.49B	12.13B
Trading Asset Securities, Total	21.8M	34M	219M	253M	488M
Mortgage Backed Securities	3.57B	3.04B	3.62B	7.22B	8.9B
Total investments	8.1B	9.19B	13.5B	15.95B	21.52B
Gross Loans	39.35B	52.2B	50.58B	53.96B	58.98B
Allowance For Loan Losses	-252M	-310M	-337M	-374M	-461M
Other Adjustments to Gross Loans	-270M	-336M	-285M	-281M	-306M
Net Loans	38.82B	51.55B	49.96B	53.3B	58.22B
Gross Property Plant And Equipment	441M	596M	690M	766M	931M
Accumulated Depreciation	-126M	-157M	-206M	-277M	-358M
Net Property Plant And Equipment	315M	439M	484M	489M	573M
Goodwill	491M	527M	527M	527M	527M
Other Intangibles, Total	144M	153M	142M	132M	122M
Investment in FHLB	17.3M	134M	189M	138M	151M
Loans Held For Sale	5.64B	1.18B	1.4B	2.29B	3.5B
Accrued Interest Receivable	228M	357M	370M	362M	473M
Other Receivables	-	-	41M	37M	22M
Restricted Cash	-	-	-	-	-
Deferred Tax Assets Long-Term (Collected)	20.9M	311M	287M	281M	349M
Other Real Estate Owned And Foreclosed	11.7M	11M	8M	52M	137M
Other Long-Term Assets, Total	1.68B	2.83B	2.37B	3.28B	3.59B
Total Assets	55.98B	67.73B	70.86B	80.93B	92.77B
Liabilities
Interest Bearing Deposits	25.74B	30.14B	39.34B	45.86B	50.53B
Institutional Deposits	523M	3.82B	1.48B	1.64B	2.28B
Non-Interest Bearing Deposits	21.35B	19.69B	14.52B	18.85B	24.35B
Total Deposits	47.61B	53.64B	55.33B	66.34B	77.16B
Short-Term Borrowings	798M	5.02B	6.81B	78M	76M
Current Portion of Long-Term Debt	-	-	-	3.1B	3.8B
Current Portion of Leases	15.1M	18M	31M	32M	32M
Long-Term Debt	1.59B	2.12B	1.26B	1.24B	1.38B
Federal Home Loan Bank Debt - Long-Term	-	-	-	2B	1B
Long-Term Leases	128M	167M	148M	127M	128M
Trust Preferred Securities (BS)	80.7M	76M	77M	79M	86M
Accrued Interest Payable	9.2M	35M	151M	138M	116M
Other Non Current Liabilities	787M	1.3B	972M	1.09B	1.05B
Total Liabilities	51.02B	62.38B	64.78B	74.23B	84.83B
Preferred Stock Non Redeemable	294M	295M	295M	295M	295M
Total Preferred Equity	294M	295M	295M	295M	295M
Common Stock, Total	1.97B	2.16B	2.2B	2.24B	2.23B
Additional Paid In Capital	-	-	-	-	-
Retained Earnings	2.77B	3.66B	4.22B	4.83B	5.61B
Treasury Stock	-86.8M	-105M	-116M	-125M	-137M
Comprehensive Income and Other	15.7M	-661M	-513M	-534M	-344M
Total Common Equity	4.67B	5.06B	5.78B	6.41B	7.36B
Minority Interest	-	-	-	-	293M
Total Equity	4.96B	5.36B	6.08B	6.71B	7.95B
Total Liabilities And Equity	55.98B	67.73B	70.86B	80.93B	92.77B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	106M	109M	109M	109M	108M
ECS Total Common Shares Outstanding	106M	108M	108M	109M	108M
Book Value / Share	44.15	46.85	53.37	59.01	68.06
Tangible Book Value	4.03B	4.38B	5.11B	5.75B	6.71B
Tangible Book Value Per Share	38.15	40.56	47.19	52.95	62.06
Tangible Book Value Per Share (As Reported)	37.84	40.25	46.72	52.27	61.29
Average Assets	49.11B	65.39B	70.12B	79.27B	88.73B
Average Loans	36.27B	51.32B	52.46B	55.22B	60.28B
Total Debt	2.61B	7.4B	8.33B	6.66B	6.5B
Deposits at Interest - Cash	350M	784M	1.3B	3.78B	3.1B
Debt Equivalent of Unfunded Proj. Benefit Obligation	13.1M	14M	14M	15M	14M
Net Debt	2.07B	6.32B	6.53B	2.31B	2.42B
Equity Method Investments, Total	631M	624M	573M	606M	593M
Full Time Employees	3.14K	3.36K	3.26K	3.52K	3.77K
Number Of Offices	36	36	38	37	38

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	899M	1.06B	722M	788M	991M
Depreciation, Depletion & Amortization	43.9M	64.2M	76M	108M	120M
Amortization of Goodwill and Intangible Assets - (CF)	6.1M	10.4M	10.5M	10.5M	9.7M
Total Depreciation, Depletion & Amortization	50M	74.6M	86.5M	118M	130M
Gain (Loss) on Sale of Loans & Receivables - (CF)	-	-	-	-	-
(Gain) Loss On Sale of Asset - (CF)	-	-	-	-	-
(Gain) Loss on Sale of Investments - (CF)	39.8M	21.1M	-43.2M	-225M	-70.3M
Total Asset Writedown	-	-	122M	-16.3M	6.6M
Provision for Credit Losses	-21.4M	68.1M	62.6M	146M	224M
Stock-Based Compensation (CF)	35.1M	39.8M	34.3M	47.7M	51.4M
Tax Benefit from Stock Options	-	-	-	-	-
Net (Increase) Decrease in Loans Originated / Sold - Operating	-2.92B	1.8B	-465M	-2.92B	-2.36B
Change in Other Net Operating Assets (Collected)	-158M	-38.7M	115M	265M	-279M
Other Operating Activities	-577M	-781M	-963M	-941M	-1.38B
Cash from Operations	-2.65B	2.25B	-329M	-2.74B	-2.68B
Capital Expenditure	-69.4M	-141M	-114M	-83.8M	-114M
Cash Acquisitions	-1.02B	-50M	-	-	-
Purchase / Sale of Intangible Assets	1.18B	392M	798M	908M	645M
Investment in Marketable and Equity Securities, Total	-2.14B	-2.16B	-3.95B	-2.18B	-5.26B
Net (Increase) Decrease in Loans Originated / Sold - Investing	-12.66B	-11.17B	1.11B	-3.82B	-5.24B
Other Investing Activities, Total	-	-	700K	-798M	18.4M
Cash from Investing	-14.71B	-13.13B	-2.16B	-5.97B	-9.95B
Short Term Debt Issued, Total	-	4.86B	5B	-	2.16B
Long-Term Debt Issued, Total	1.06B	578M	9.9M	3B	7.6B
Total Debt Issued	1.06B	5.44B	5.01B	3B	9.76B
Short Term Debt Repaid, Total	-1.74B	-	-2.68B	-1.56B	-
Long-Term Debt Repaid, Total	-476M	-30.7M	-818M	-1.03B	-8.45B
Total Debt Repaid	-2.22B	-30.7M	-3.5B	-2.59B	-8.45B
Issuance of Common Stock	540M	158M	100K	100K	-
Repurchase of Common Stock	-15.8M	-18.5M	-11M	-8.7M	-80M
Issuance of Preferred Stock	294M	-	-	-	-
Common Dividends Paid	-124M	-153M	-159M	-164M	-172M
Preferred Dividends Paid	-3.5M	-12.8M	-12.8M	-12.8M	-12.8M
Common & Preferred Stock Dividends Paid	-128M	-166M	-172M	-177M	-185M
Net Increase (Decrease) in Deposit Accounts - (CF)	15.68B	6.03B	1.69B	11B	10.81B
Other Financing Activities, Total	-	-	-	-	272M
Cash from Financing	15.21B	11.41B	3.02B	11.23B	12.13B
Net Change in Cash	-2.16B	527M	533M	2.52B	-500M
Supplemental Items
Cash Interest Paid	112M	453M	1.58B	1.94B	1.85B
Cash Income Tax Paid (Refund)	176M	198M	63.6M	1.3M	31.7M
Net Debt Issued / Repaid	-1.16B	5.41B	1.51B	412M	1.31B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.95	1.71	1.04	1.04	1.14
Return On Equity %	21.47	20.49	12.64	12.32	13.52
Return on Common Equity	22.17	21.47	13.09	12.71	13.89
Shareholders Value Added	430M	484M	82.26M	66.5M	152M
Margin Analysis
SG&A Margin	32.46	32.35	34.53	33.02	34.95
Net Interest Income / Total Revenues %	78.44	89.63	91.47	86.83	86.32
EBT Excl. Non-Recurring Items Margin %	57.95	53.24	34.45	32.86	36.37
Income From Continuing Operations Margin %	45.54	42.76	28.25	26.12	29.85
Net Income Margin %	45.54	42.76	28.25	26.12	29.2
Net Avail. For Common Margin %	45.37	42.24	27.75	25.69	28.81
Normalized Net Income Margin	36.22	33.27	21.53	20.54	22.08
Asset quality
Nonperforming Loans / Total Loans %	0.19	0.17	0.81	1.12	1.15
Nonperforming Loans / Total Assets %	0.14	0.13	0.58	0.75	0.73
Nonperforming Assets / Total Assets %	0.16	0.14	0.59	0.81	0.88
NPAs / Loans and OREO	0.22	0.19	0.83	1.21	1.38
NPAs / Equity	1.76	1.83	6.88	9.78	10.28
Allowance for Credit Losses / Net Charge-offs %	4.28K	20.67K	1.13K	400.86	351.64
Allowance for Credit Losses / Nonperforming Loans %	333.99	356.32	82.2	61.92	67.79
Allowance for Credit Losses / Total Loans %	0.64	0.59	0.67	0.69	0.78
Net Charge-offs / Total Average Loans %	0.02	0	0.06	0.17	0.22
Provision for Loan Losses / Net Charge-offs %	-362.71	4.54K	209.36	156.38	170.94
Earning Assets / IBL	186.98	175.36	145.93	150.57	151.02
Interest Income / Average Assets	3.38	4.12	5.75	5.73	5.29
Interest Expense / Average Assets	0.22	0.73	2.42	2.42	2.06
Net Interest Income / Average Assets	3.15	3.39	3.34	3.3	3.23
Non Interest Income / Average Assets	0.82	0.5	0.4	0.69	0.76
Non Interest Expense / Average Asset	1.69	1.77	2.39	2.55	2.38
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.74	7.86	7.82	8.03	7.93
Total Average Equity / Total Average Assets %	9.06	8.34	8.25	8.42	8.44
Total Equity + Allowance for Loan Losses / Total Loans %	13.25	10.85	12.68	13.12	13.76
Gross Loans / Total Deposits %	82.64	97.3	91.41	81.33	76.44
Net Loans / Total Deposits %	81.54	96.1	90.29	80.35	75.45
Tier 1 Capital Ratio %	9.9	10	11.5	11.9	12.1
Total Capital Ratio %	12.3	12.1	13.7	14.1	14.5
Core Tier 1 Capital Ratio	9.1	9.3	10.8	11.3	11
Tier 2 Capital Ratio	2.36	2.09	2.22	2.2	2.39
Equity Tier 1 Capital Ratio	7.3	6.5	7.3	7.2	7.3
Coverage Ratio	95.97	92.26	58.71	43.54	95.05
Leverage Ratio %	7.8	7.8	8.6	8.1	8.2
Interbank Ratio	51.88	122.5	718.23	-	-
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	19	7.61	2.69	4.08	5.16
EBT + Interest Expense / Interest Expense	11.22	3.77	1.55	1.52	1.66
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	32.73	43.1	5.53	11.97	9.39
Non Interest Income, 1 Yr. Growth %	470.9	-19.69	-13.52	93.52	24.85
Provision For Loan Losses, 1 Yr. Growth %	-117.31	-418.22	-8.08	133.07	53.6
Total Revenues, 1 Yr. Growth %	77.22	25.24	3.4	17.96	10.04
Earnings From Cont. Operations, 1 Yr. Growth %	77.5	17.58	-31.68	9.04	25.76
Net Income, 1 Yr. Growth %	77.5	17.58	-31.68	9.04	23.02
Normalized Net Income, 1 Yr. Growth %	83.81	15.06	-33.09	12.52	18.3
Diluted EPS Before Extra, 1 Yr. Growth %	72.02	11.88	-32.58	8.41	23.13
Dividend Per Share, 1 Yr. Growth %	20	18.33	2.11	2.76	4.7
Gross Loans, 1 Yr. Growth %	44.9	32.66	-3.1	6.67	9.31
Allowance For Loan Losses, 1 Yr. Growth %	-9.47	23.02	8.71	10.98	23.26
Net Loans, 1 Yr. Growth %	45	32.79	-3.09	6.69	9.22
Non Performing Loans, 1 Yr. Growth %	-49.06	14.47	371.26	47.32	12.58
Non Performing Assets, 1 Yr. Growth %	-41.72	12.64	326.53	56.94	24.54
Total Assets, 1 Yr. Growth %	53.54	20.99	4.62	14.21	14.63
Total Deposits, 1 Yr Growth %	49.11	12.67	3.15	19.89	16.31
Tangible Book Value, 1 Yr. Growth %	29.48	8.63	16.73	12.5	16.62
Average Interest Earning Assets, 1 Yr. Growth %	54.29	32.04	6.74	13.53	11.43
Average Interest Bearing Liabilities, 1 Yr. Growth %	53.9	40.79	28.27	10.03	11.1
Common Equity, 1 Yr. Growth %	36.75	8.42	14.27	10.88	14.75
Total Equity, 1 Yr. Growth %	45.38	7.92	13.48	10.35	18.47
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	22.01	37.82	22.89	8.7	10.67
Non Interest Income, 2 Yr. CAGR %	149.18	114.12	-16.67	29.36	55.44
Provision For Loan Losses, 2 Yr. CAGR %	5.3	-25.77	71.03	46.37	89.21
Total Revenues, 2 Yr. CAGR %	34.82	48.98	13.8	10.44	13.93
Earnings From Cont. Operations, 2 Yr. CAGR %	34.21	44.47	-10.37	-13.69	17.1
Net Income, 2 Yr. CAGR %	34.21	44.47	-10.37	-13.69	15.82
Normalized Net Income, 2 Yr. CAGR %	37.61	45.43	-12.26	-13.22	15.38
Diluted EPS Before Extra, 2 Yr. CAGR %	33.84	38.73	-13.15	-14.51	15.54
Dividend Per Share, 2 Yr. CAGR %	54.92	19.16	9.92	2.44	3.72
Gross Loans, 2 Yr. CAGR %	36.33	38.65	13.38	1.67	7.99
Allowance For Loan Losses, 2 Yr. CAGR %	22.67	5.43	15.64	9.84	16.96
Net Loans, 2 Yr. CAGR %	36.18	38.76	13.44	1.68	7.95
Non Performing Loans, 2 Yr. CAGR %	-5.3	-23.43	132.27	163.49	28.78
Non Performing Assets, 2 Yr. CAGR %	-5.71	-19.12	119.19	158.73	39.8
Total Assets, 2 Yr. CAGR %	44.47	36.3	12.51	9.31	14.42
Total Deposits, 2 Yr CAGR %	44.52	29.62	7.8	11.21	18.09
Tangible Book Value, 2 Yr. CAGR %	21.79	18.59	12.61	14.59	14.54
Average Interest Earning Assets, 2 Yr. CAGR %	-	-	-	-	-
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	-	-	-	-
Common Equity, 2 Yr. CAGR %	24.4	21.76	11.3	12.56	12.8
Total Equity, 2 Yr. CAGR %	28.26	25.26	10.66	11.9	14.34
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	19.14	28.67	26.08	19.14	8.93
Non Interest Income, 3 Yr. CAGR %	110.88	70.84	58.27	10.35	27.84
Provision For Loan Losses, 3 Yr. CAGR %	-5.05	52.24	-20.29	89.62	48.74
Total Revenues, 3 Yr. CAGR %	28.34	31.55	31.91	15.17	10.31
Earnings From Cont. Operations, 3 Yr. CAGR %	27.31	28.42	12.56	-4.32	-2.15
Net Income, 3 Yr. CAGR %	27.31	28.42	12.56	-4.32	-2.87
Normalized Net Income, 3 Yr. CAGR %	30.89	29.64	12.27	-4.67	-3.77
Diluted EPS Before Extra, 3 Yr. CAGR %	27.94	26.08	9.07	-6.49	-3.45
Dividend Per Share, 3 Yr. CAGR %	-	41.61	13.19	7.48	3.18
Gross Loans, 3 Yr. CAGR %	30.39	35.1	23.04	11.1	4.16
Allowance For Loan Losses, 3 Yr. CAGR %	18.25	22.7	6.51	14.07	14.14
Net Loans, 3 Yr. CAGR %	30.28	35.04	23.11	11.14	4.14
Non Performing Loans, 3 Yr. CAGR %	5.27	1.06	40.32	99.56	98.46
Non Performing Assets, 3 Yr. CAGR %	1.81	-0.07	40.78	96.09	102.77
Total Assets, 3 Yr. CAGR %	34.3	36.18	24.79	13.07	11.06
Total Deposits, 3 Yr CAGR %	35.41	33.01	20.11	11.69	12.88
Tangible Book Value, 3 Yr. CAGR %	20.34	17.23	17.97	12.57	15.26
Average Interest Earning Assets, 3 Yr. CAGR %	32.25	-	-	-	-
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	-	-	-	-
Common Equity, 3 Yr. CAGR %	21.33	18.82	19.21	11.16	13.29
Total Equity, 3 Yr. CAGR %	23.83	21.09	21.2	10.56	14.05
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	18.7	23.08	20.62	20.28	19.68
Non Interest Income, 5 Yr. CAGR %	56.6	48.24	45.46	52.85	57.13
Provision For Loan Losses, 5 Yr. CAGR %	21.75	31.6	20.15	49.86	12.64
Total Revenues, 5 Yr. CAGR %	23.32	24.92	22.31	22.66	24.4
Earnings From Cont. Operations, 5 Yr. CAGR %	28.19	26.57	10.64	9.55	14.35
Net Income, 5 Yr. CAGR %	28.19	26.57	10.64	9.55	13.85
Normalized Net Income, 5 Yr. CAGR %	25.09	23.85	11.54	10.41	13.5
Diluted EPS Before Extra, 5 Yr. CAGR %	28.24	25.63	9.58	7.93	11.61
Dividend Per Share, 5 Yr. CAGR %	-	-	-	24.41	9.3
Gross Loans, 5 Yr. CAGR %	24.38	28.11	23.3	20.58	16.78
Allowance For Loan Losses, 5 Yr. CAGR %	15.15	17.22	17.15	17.39	10.57
Net Loans, 5 Yr. CAGR %	24.34	28.08	23.26	20.55	16.81
Non Performing Loans, 5 Yr. CAGR %	-4.46	0.14	44.63	48.27	35.59
Non Performing Assets, 5 Yr. CAGR %	-9.37	-3.14	38.26	46.2	40.39
Total Assets, 5 Yr. CAGR %	26.62	27.21	25.12	24.72	20.54
Total Deposits, 5 Yr CAGR %	26.76	25.88	23.61	23.82	19.3
Tangible Book Value, 5 Yr. CAGR %	20.48	17.83	17.18	16.17	16.58
Average Interest Earning Assets, 5 Yr. CAGR %	25.15	28.09	26.66	-	-
Average Interest Bearing Liabilities, 5 Yr. CAGR %	22.41	-	-	-	-
Common Equity, 5 Yr. CAGR %	19.8	17.81	17.21	16.28	16.6
Total Equity, 5 Yr. CAGR %	21.28	19.16	18.39	17.33	18.41