Balance Sheet Westpac Banking Corporation

Equities

WBC

AU000000WBC1

Banks

Market Closed - Australian S.E. Other stock markets 12:13:59 2025-12-12 am EST			5-day change	1st Jan Change
38.80 ^AUD	+1.41%		+1.86%	+20.05%

10:05pm	Westpac Banking Corporation - Shareholder/Analyst Call
Dec. 11	Westpac says 60.18% of total votes cast in favour of re-electing Peter Nash as a director	RE

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Published financial data: WESTPAC BANKING CORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: September	2021	2022	2023	2024	2025
Interest Income On Loans	22.13B	22.98B	42.52B	52.74B	53.05B
Interest Income On Investments	146M	270M	1.24B	1.61B	1.99B
Interest Income, Total	22.28B	23.25B	43.75B	54.35B	55.04B
Interest On Deposits	5.42B	6.09B	25.44B	35.59B	35.66B
Interest Expense, Total	5.42B	6.09B	25.44B	35.59B	35.66B
Net Interest Income	16.86B	17.16B	18.32B	18.75B	19.38B
Trust Income	-	-	-	-	-
Income From Trading Activities	719M	664M	717M	704M	717M
Gain (Loss) on Sale of Assets	195M	-826M	268M	6M	1M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	43M	25M	1M	-	-
Income (Loss) on Equity Invest. (Income Block)	-6M	-7M	-5M	-	-
Total Other Non Interest Income	3.41B	2.59B	2.35B	2.12B	2.29B
Non Interest Income, Total	4.36B	2.44B	3.33B	2.84B	3B
Revenues Before Provison For Loan Losses	21.22B	19.61B	21.64B	21.59B	22.38B
Provision For Loan Losses	-590M	335M	648M	537M	424M
Total Revenues	21.81B	19.27B	21B	21.05B	21.96B
Salaries And Other Employee Benefits	5.84B	5.64B	5.78B	5.71B	6.22B
Stock-Based Compensation (IS)	97M	88M	90M	97M	95M
Amort. of Goodwill & Intang. Assets	783M	546M	623M	891M	997M
Occupancy Expense	951M	797M	755M	692M	652M
Selling General & Admin Expenses, Total	3.63B	2.94B	2.84B	2.96B	3.18B
Total Other Non Interest Expense	538M	301M	336M	443M	484M
Non Interest Expense, Total	11.84B	10.32B	10.42B	10.79B	11.63B
EBT, Excl. Unusual Items	9.97B	8.96B	10.58B	10.26B	10.33B
Restructuring Charges	-93M	-134M	-233M	-91M	-267M
Impairment of Goodwill	-571M	-122M	-	-	-
Asset Writedown	-805M	-231M	-39M	-59M	-23M
EBT, Incl. Unusual Items	8.5B	8.47B	10.3B	10.11B	10.04B
Income Tax Expense	3.04B	2.77B	3.1B	3.12B	3.11B
Earnings From Continuing Operations	5.46B	5.7B	7.2B	6.99B	6.93B
Net Income to Company	5.46B	5.7B	7.2B	6.99B	6.93B
Minority Interest	-5M	-5M	-6M	-	-17M
Net Income - (IS)	5.46B	5.69B	7.2B	6.99B	6.92B
Preferred Dividend and Other Adjustments	2M	3M	-	-	6M
Net Income to Common Incl Extra Items	5.46B	5.69B	7.2B	6.99B	6.91B
Net Income to Common Excl. Extra Items	5.46B	5.69B	7.2B	6.99B	6.91B
Per Share Items
Net EPS - Basic	1.49	1.6	2.05	2.01	2.02
Basic EPS - Continuing Operations	1.49	1.6	2.05	2.01	2.02
Basic Weighted Average Shares Outstanding	3.65B	3.56B	3.5B	3.48B	3.42B
Net EPS - Diluted	1.38	1.52	1.95	1.92	1.99
Diluted EPS - Continuing Operations	1.38	1.52	1.95	1.92	1.99
Diluted Weighted Average Shares Outstanding	4.12B	3.89B	3.89B	3.9B	3.69B
Normalized Basic EPS	1.7	1.57	1.89	1.84	1.88
Normalized Diluted EPS	1.51	1.44	1.7	1.65	1.75
Dividend Per Share	1.18	1.25	1.42	1.51	1.53
Payout Ratio	52.14	76.17	62.6	73.41	75.4
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	35.74	32.71	30.12	30.84	30.97
Total Current Taxes	2.74B	2.66B	3.01B	3.12B	3.13B
Total Deferred Taxes	294M	186M	88M	12M	-17M
Normalized Net Income	6.23B	5.59B	6.6B	6.41B	6.44B
Non-Cash Pension Expense	12M	11M	-14M	-11M	-9M
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	97M	88M	90M	97M	95M
Total Stock-Based Compensation	97M	88M	90M	97M	95M

Fiscal Period: September	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	70.91B	105B	102B	65.36B	50.16B
Investment Securities, Total	89.7B	88.04B	88.92B	122B	159B
Trading Asset Securities, Total	34.37B	54.23B	38.44B	54.88B	33.39B
Total investments	124B	142B	127B	177B	192B
Gross Loans	715B	744B	778B	812B	857B
Allowance For Loan Losses	-4.59B	-4.21B	-4.43B	-4.57B	-4.51B
Other Adjustments to Gross Loans	-	-	-	-	-
Net Loans	710B	740B	773B	807B	852B
Net Property Plant And Equipment	2.85B	2.43B	2.24B	2.25B	2.27B
Goodwill	7.6B	7.39B	7.42B	7.43B	7.41B
Other Intangibles, Total	2.51B	2.93B	3.47B	3.31B	3.05B
Accrued Interest Receivable	720M	1.27B	2B	2.22B	1.92B
Other Receivables	869M	1B	627M	632M	851M
Restricted Cash	445M	303M	299M	311M	272M
Other Current Assets, Total	8.42B	6.29B	4.54B	6.27B	4.59B
Deferred Tax Assets Long-Term (Collected)	2.44B	1.75B	2.1B	2.15B	2.06B
Deferred Charges Long-Term	-	-	-	-	-
Other Long-Term Assets, Total	4.67B	3.73B	4.16B	3.32B	8.64B
Total Assets	936B	1,014B	1,030B	1,078B	1,125B
Liabilities
Accounts Payable, Total	1.39B	1.04B	2.19B	2.38B	2.36B
Accrued Expenses, Total	803M	922M	933M	899M	930M
Interest Bearing Deposits	559B	590B	577B	580B	618B
Non-Interest Bearing Deposits	67.8B	69.03B	111B	140B	153B
Total Deposits	627B	659B	688B	720B	770B
Short-Term Borrowings	73.55B	111B	78.99B	82.15B	69.96B
Current Portion of Long-Term Debt	26.83B	21.74B	27.34B	31.41B	35.53B
Current Portion of Leases	-	-	-	-	-
Long-Term Debt	111B	124B	133B	143B	141B
Long-Term Leases	-	-	-	-	-
Current Income Taxes Payable	71M	219M	780M	569M	137M
Accrued Interest Payable	944M	1.74B	4.14B	4.94B	4.24B
Other Current Liabilities - (Bank / Utility Template)	9.53B	12.36B	11.33B	10.23B	15.84B
Unearned Revenue Non Current	-	-	-	-	-
Pension & Other Post Retirement Benefits	435M	15M	7M	9M	4M
Deferred Tax Liability Non-Current	90M	-	-	-	-
Other Non Current Liabilities	11.76B	11.32B	10.23B	9B	11.62B
Total Liabilities	864B	944B	957B	1,005B	1,052B
Common Stock, Total	41.6B	39.67B	39.83B	37.96B	37.26B
Retained Earnings	28.81B	29.06B	31.44B	32.77B	34.47B
Treasury Stock	-606M	-655M	-702M	-758M	-845M
Comprehensive Income and Other	2.23B	2.38B	1.94B	1.73B	1.88B
Total Common Equity	72.04B	70.45B	72.5B	71.7B	72.77B
Minority Interest	57M	57M	44M	347M	327M
Total Equity	72.09B	70.51B	72.54B	72.05B	73.09B
Total Liabilities And Equity	936B	1,014B	1,030B	1,078B	1,125B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	3.66B	3.5B	3.5B	3.44B	3.41B
ECS Total Common Shares Outstanding	3.66B	3.5B	3.5B	3.44B	3.41B
Book Value / Share	19.66	20.15	20.69	20.87	21.31
Tangible Book Value	61.93B	60.12B	61.61B	60.96B	62.3B
Tangible Book Value Per Share	16.9	17.2	17.58	17.75	18.25
Tangible Book Value Per Share (As Reported)	16.9	17.18	17.58	17.75	18.25
Average Assets	906B	975B	1,023B	1,057B	1,111B
Average Loans	692B	677B	705B	733B	764B
Total Debt	212B	257B	239B	257B	247B
Deposits at Interest - Cash	54.85B	90.55B	88.67B	56.35B	40.29B
Debt Equivalent of Unfunded Proj. Benefit Obligation	371M	-274M	-210M	-206M	-243M
Net Debt	104B	88.78B	86.74B	119B	135B
Equity Method Investments, Total	58M	37M	33M	-	-
Full Time Employees	40.14K	37.48K	33.66K	33.58K	35.24K
Number Of Offices	997	877	786	762	749

Fiscal Period: September	2021	2022	2023	2024	2025
Net Income	5.46B	5.69B	7.2B	6.99B	6.92B
Depreciation, Depletion & Amortization	895M	682M	575M	572M	541M
Amortization of Goodwill and Intangible Assets - (CF)	28M	1M	2M	2M	2M
Total Depreciation, Depletion & Amortization	923M	683M	577M	574M	543M
Amortization of Deferred Charges, Total	755M	545M	621M	889M	995M
(Gain) Loss on Sale of Investments - (CF)	-	-	-	-	-498M
Total Asset Writedown	1.38B	353M	39M	59M	23M
Provision for Credit Losses	-348M	524M	839M	727M	671M
Change in Trading Asset Securities	16.9B	-1.3B	-442M	-19.83B	-457M
Change in Other Net Operating Assets (Collected)	-6.53B	-26.53B	-45.64B	-44.96B	-48.77B
Other Operating Activities	-1.85B	1.93B	1.32B	545M	-1.78B
Cash from Operations	16.67B	-18.1B	-35.49B	-55.01B	-42.36B
Capital Expenditure	-234M	-166M	-238M	-235M	-371M
Sale of Property, Plant, and Equipment	62M	25M	72M	46M	33M
Cash Acquisitions	-	-14M	-	-30M	-
Divestitures	1.27B	2.12B	293M	-	-
Purchase / Sale of Intangible Assets	-740M	-1.1B	-1.14B	-782M	-776M
Investment in Marketable and Equity Securities, Total	5.26B	1.95B	2.73B	-25.17B	-12.46B
Other Investing Activities, Total	-	-	-	-	1.42B
Cash from Investing	5.62B	2.81B	1.71B	-26.17B	-12.16B
Long-Term Debt Issued, Total	54.43B	79.84B	74.43B	86.57B	73.89B
Total Debt Issued	54.43B	79.84B	74.43B	86.57B	73.89B
Long-Term Debt Repaid, Total	-67.33B	-58.67B	-64.17B	-69.47B	-80.52B
Total Debt Repaid	-67.33B	-58.67B	-64.17B	-69.47B	-80.52B
Issuance of Common Stock	719M	-	-	-	-
Repurchase of Common Stock	-71M	-3.58B	-79M	-1.92B	-782M
Common Dividends Paid	-2.85B	-4.34B	-4.5B	-5.13B	-5.22B
Common & Preferred Stock Dividends Paid	-2.85B	-4.34B	-4.5B	-5.13B	-5.22B
Net Increase (Decrease) in Deposit Accounts - (CF)	33.74B	35.05B	24.69B	35.24B	51.85B
Special Dividend Paid	-	-	-	-521M	-
Other Financing Activities, Total	-2M	-5M	-21M	310M	-21M
Cash from Financing	18.64B	48.29B	30.35B	45.08B	39.2B
Foreign Exchange Rate Adjustments	298M	897M	694M	-753M	82M
Miscellaneous Cash Flow Adjustments	-7M	7M	-	-	-
Net Change in Cash	41.22B	33.9B	-2.74B	-36.86B	-15.24B
Supplemental Items
Cash Interest Paid	5.68B	5.09B	22.65B	34B	35.64B
Cash Income Tax Paid (Refund)	2.69B	2.34B	2.44B	3.37B	3.53B
Net Debt Issued / Repaid	-12.9B	21.17B	10.26B	17.1B	-6.63B

Fiscal Period: September	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.59	0.58	0.7	0.66	0.63
Return On Equity %	7.8	7.99	10.07	9.67	9.55
Return on Common Equity	7.79	7.99	10.07	9.69	9.57
Shareholders Value Added	-2.86B	-2.77B	-1.23B	-1.6B	-1.58B
Margin Analysis
SG&A Margin	47.79	48.67	44.63	44.48	45.76
Net Interest Income / Total Revenues %	77.29	89.05	87.24	89.08	88.25
EBT Excl. Non-Recurring Items Margin %	45.71	46.47	50.37	48.72	47.06
Income From Continuing Operations Margin %	25.05	29.57	34.3	33.2	31.57
Net Income Margin %	25.02	29.55	34.27	33.2	31.49
Net Avail. For Common Margin %	25.01	29.53	34.27	33.2	31.47
Normalized Net Income Margin	28.54	29.02	31.46	30.45	29.33
Asset quality
Nonperforming Loans / Total Loans %	1.33	0.97	1.07	1.27	1.13
Nonperforming Loans / Total Assets %	1.01	0.71	0.81	0.96	0.86
Nonperforming Assets / Total Assets %	1.01	0.71	0.81	0.96	0.86
NPAs / Loans and OREO	1.33	0.97	1.07	1.27	1.13
NPAs / Equity	13.17	10.28	11.5	14.31	13.21
Allowance for Credit Losses / Net Charge-offs %	772.56	564.56	1.08K	1.06K	873.84
Allowance for Credit Losses / Nonperforming Loans %	48.33	58.05	53.13	44.29	46.69
Allowance for Credit Losses / Total Loans %	0.64	0.57	0.57	0.56	0.53
Net Charge-offs / Total Average Loans %	0.09	0.11	0.06	0.06	0.07
Provision for Loan Losses / Net Charge-offs %	-99.33	44.97	158.05	124.88	82.17
Earning Assets / IBL	111.29	110.5	114.86	117.34	117.24
Interest Income / Average Assets	2.46	2.39	4.28	5.14	4.95
Interest Expense / Average Assets	0.6	0.62	2.49	3.37	3.21
Net Interest Income / Average Assets	1.86	1.76	1.79	1.77	1.74
Non Interest Income / Average Assets	0.48	0.25	0.33	0.27	0.27
Non Interest Expense / Average Asset	1.31	1.06	1.02	1.02	1.05
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.58	7.31	6.99	6.84	6.56
Total Average Equity / Total Average Assets %	7.59	7.31	7	6.86	6.59
Total Equity + Allowance for Loan Losses / Total Loans %	10.72	10.03	9.89	9.4	9.02
Gross Loans / Total Deposits %	114.04	112.89	113.02	112.63	111.19
Net Loans / Total Deposits %	113.31	112.25	112.38	112	110.61
Tier 1 Capital Ratio %	14.65	13.39	14.59	14.82	-
Total Capital Ratio %	18.86	18.4	20.45	21.38	-
Core Tier 1 Capital Ratio	12.32	11.29	12.38	12.49	12.5
Tier 2 Capital Ratio	4.21	5.01	5.86	6.56	-
Coverage Ratio	48.33	58.05	53.13	44.29	46.69
Interbank Ratio	8.83	19.96	41.06	80.79	135.85
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	2.57	2.39	1.41	1.28	1.28
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	0.97	1.8	6.74	2.38	3.34
Non Interest Income, 1 Yr. Growth %	25.15	-43.97	36.11	-14.81	5.96
Provision For Loan Losses, 1 Yr. Growth %	-118.57	-156.78	93.43	-17.13	-21.04
Total Revenues, 1 Yr. Growth %	28.27	-11.65	8.96	0.26	4.32
Earnings From Cont. Operations, 1 Yr. Growth %	138.35	4.32	26.36	-2.93	-0.82
Net Income, 1 Yr. Growth %	138.34	4.32	26.36	-2.85	-1.06
Normalized Net Income, 1 Yr. Growth %	96.34	-10.18	18.1	-2.94	0.88
Diluted EPS Before Extra, 1 Yr. Growth %	116.38	10.57	28.08	-1.8	4.03
Dividend Per Share, 1 Yr. Growth %	280.65	5.93	13.6	6.34	1.32
Gross Loans, 1 Yr. Growth %	2.29	4.07	4.53	4.34	5.57
Allowance For Loan Losses, 1 Yr. Growth %	-18.08	-8.35	5.4	3.05	-1.29
Net Loans, 1 Yr. Growth %	2.45	4.15	4.53	4.34	5.61
Non Performing Loans, 1 Yr. Growth %	-14.38	-23.69	15.14	23.62	-6.37
Non Performing Assets, 1 Yr. Growth %	-14.38	-23.69	15.14	23.62	-6.37
Total Assets, 1 Yr. Growth %	2.62	8.37	1.54	4.64	4.44
Total Deposits, 1 Yr Growth %	6.06	5.13	4.41	4.7	6.94
Tangible Book Value, 1 Yr. Growth %	9.55	-2.91	2.47	-1.06	2.2
Average Interest Earning Assets, 1 Yr. Growth %	-0.28	8.24	6.13	3.15	3.38
Average Interest Bearing Liabilities, 1 Yr. Growth %	-1.25	9.01	7.31	4.02	3.47
Common Equity, 1 Yr. Growth %	5.9	-2.2	2.9	-1.09	1.48
Total Equity, 1 Yr. Growth %	5.9	-2.2	2.88	-0.67	1.44
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-0.15	1.38	4.24	4.54	2.86
Non Interest Income, 2 Yr. CAGR %	7.99	-16.26	-12.67	7.68	-4.99
Provision For Loan Losses, 2 Yr. CAGR %	-13.8	-67.53	4.8	26.61	-19.11
Total Revenues, 2 Yr. CAGR %	4.81	6.45	-1.89	4.52	2.27
Earnings From Cont. Operations, 2 Yr. CAGR %	-10.3	57.69	14.81	10.75	-1.88
Net Income, 2 Yr. CAGR %	-10.3	57.69	14.82	10.8	-1.96
Normalized Net Income, 2 Yr. CAGR %	-0.17	32.8	2.99	7.09	-1.06
Diluted EPS Before Extra, 2 Yr. CAGR %	-14.72	54.68	19	12.15	1.07
Dividend Per Share, 2 Yr. CAGR %	-17.65	100.8	9.7	9.91	3.8
Gross Loans, 2 Yr. CAGR %	-0.27	3.18	4.3	4.43	4.95
Allowance For Loan Losses, 2 Yr. CAGR %	12.78	-13.35	-1.71	4.21	0.85
Net Loans, 2 Yr. CAGR %	-0.34	3.3	4.34	4.43	4.97
Non Performing Loans, 2 Yr. CAGR %	18.9	-19.17	-6.27	19.31	7.59
Non Performing Assets, 2 Yr. CAGR %	18.9	-19.17	-6.27	19.31	7.59
Total Assets, 2 Yr. CAGR %	1.6	5.46	4.9	3.08	4.54
Total Deposits, 2 Yr CAGR %	5.5	5.6	4.77	4.55	5.81
Tangible Book Value, 2 Yr. CAGR %	7.59	3.13	-0.26	0.69	0.56
Average Interest Earning Assets, 2 Yr. CAGR %	1.28	3.89	7.18	4.62	3.26
Average Interest Bearing Liabilities, 2 Yr. CAGR %	0.14	3.76	7.51	6	3.74
Common Equity, 2 Yr. CAGR %	4.91	1.77	0.32	0.89	0.19
Total Equity, 2 Yr. CAGR %	4.91	1.77	0.31	1.09	0.38
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	0.71	0.5	3.14	3.61	4.14
Non Interest Income, 3 Yr. CAGR %	-7.43	-13.23	-1.54	-13.39	7.1
Provision For Loan Losses, 3 Yr. CAGR %	-5.98	-25	-41.14	-3.09	8.17
Total Revenues, 3 Yr. CAGR %	0.8	-0.99	7.28	-1.18	4.45
Earnings From Cont. Operations, 3 Yr. CAGR %	-12.3	-5.67	46.46	8.56	6.75
Net Income, 3 Yr. CAGR %	-12.31	-5.67	46.46	8.6	6.7
Normalized Net Income, 3 Yr. CAGR %	-5.88	-3.63	27.71	0.98	4.84
Diluted EPS Before Extra, 3 Yr. CAGR %	-15.7	-7.01	45.25	11.62	9.37
Dividend Per Share, 3 Yr. CAGR %	-14.38	-10.44	66.08	8.57	6.97
Gross Loans, 3 Yr. CAGR %	0.07	1.15	3.63	4.31	4.81
Allowance For Loan Losses, 3 Yr. CAGR %	17.71	5.24	-7.5	-0.15	2.35
Net Loans, 3 Yr. CAGR %	-0.01	1.13	3.71	4.34	4.82
Non Performing Loans, 3 Yr. CAGR %	15.68	2.56	-9.05	2.79	10.05
Non Performing Assets, 3 Yr. CAGR %	15.68	2.56	-9.05	2.79	10.05
Total Assets, 3 Yr. CAGR %	2.09	3.81	4.13	4.81	3.53
Total Deposits, 3 Yr CAGR %	3.88	5.38	5.2	4.74	5.34
Tangible Book Value, 3 Yr. CAGR %	5.49	3.97	2.91	-0.52	1.19
Average Interest Earning Assets, 3 Yr. CAGR %	1.88	3.55	4.64	5.78	4.21
Average Interest Bearing Liabilities, 3 Yr. CAGR %	0.96	3.01	3.2	5.25	5.15
Common Equity, 3 Yr. CAGR %	3.74	2.48	2.15	-0.15	1.08
Total Equity, 3 Yr. CAGR %	3.74	2.48	2.14	-0.02	1.21
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	2.16	2.04	2.11	2.09	3.03
Non Interest Income, 5 Yr. CAGR %	-5.65	-16.8	-9.57	-5.4	-2.94
Provision For Loan Losses, 5 Yr. CAGR %	-12.09	-17.05	-1.81	-7.52	-33.16
Total Revenues, 5 Yr. CAGR %	1.89	-1.51	-0.28	1.18	5.25
Earnings From Cont. Operations, 5 Yr. CAGR %	-6.04	-6.55	-2.32	0.58	24.78
Net Income, 5 Yr. CAGR %	-6.02	-6.55	-2.33	0.6	24.74
Normalized Net Income, 5 Yr. CAGR %	-1.44	-5.02	-2.42	0.52	15.23
Diluted EPS Before Extra, 5 Yr. CAGR %	-8.75	-7.84	-3.24	0.22	25.64
Dividend Per Share, 5 Yr. CAGR %	-8.89	-7.84	-5.46	-2.8	37.62
Gross Loans, 5 Yr. CAGR %	1.37	1.51	1.74	2.45	4.15
Allowance For Loan Losses, 5 Yr. CAGR %	6.62	7.97	9.52	4.83	-4.25
Net Loans, 5 Yr. CAGR %	1.37	1.5	1.71	2.44	4.21
Non Performing Loans, 5 Yr. CAGR %	38.68	44.71	6.34	8.96	-2.73
Non Performing Assets, 5 Yr. CAGR %	38.68	44.71	6.34	8.96	-2.73
Total Assets, 5 Yr. CAGR %	2.2	3.55	3.2	3.51	4.3
Total Deposits, 5 Yr CAGR %	3.87	4.2	4.23	5.05	5.44
Tangible Book Value, 5 Yr. CAGR %	5.94	3.91	3.15	2.64	1.96
Average Interest Earning Assets, 5 Yr. CAGR %	2.57	3.35	3.97	3.96	4.06
Average Interest Bearing Liabilities, 5 Yr. CAGR %	1.99	2.93	2.75	2.4	2.78
Common Equity, 5 Yr. CAGR %	4.39	2.83	2.36	1.84	1.36
Total Equity, 5 Yr. CAGR %	4.38	2.82	2.35	1.92	1.43