Income Statement WSFS Financial Corporation

Equities

WSFS

US9293281021

Banks

Market Closed - Nasdaq Other stock markets 04:00:00 2026-02-13 pm EST			5-day change	1st Jan Change
66.80 ^USD	+0.69%		-5.45%	+20.93%

Jan. 27	WSFS Financial Corporation, Q4 2025 Earnings Call, Jan 27, 2026
Jan. 26	WSFS Financial Q4 Core Earnings, Revenue Rise	MT

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Published financial data: WSFS FINANCIAL CORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	460M	393M	583M	845M	918M
Interest Income On Investments	54.01M	63.12M	121M	131M	145M
Interest Income, Total	514M	456M	704M	977M	1.06B
Interest On Deposits	39.26M	14.92M	28.18M	210M	309M
Total Interest On Borrowings	9.19M	7.8M	12.74M	41.6M	49.47M
Interest Expense, Total	48.45M	22.72M	40.92M	251M	358M
Net Interest Income	466M	434M	663M	725M	705M
Service Charges On Deposits	20M	22.09M	24.48M	25.39M	26.66M
Trust Income	48.98M	62.35M	122M	131M	147M
Credit Card Fee	35.01M	29.48M	40.09M	59.72M	88.71M
Total Mortgage Banking Activities	30.2M	23.22M	7.27M	4.8M	7.56M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	31.89M	4.77M	5.98M	9.82M	2.31M
Total Other Non Interest Income	34.94M	43.58M	60.7M	59.09M	68.73M
Non Interest Income, Total	201M	185M	260M	290M	341M
Revenues Before Provison For Loan Losses	667M	619M	923M	1.01B	1.05B
Provision For Loan Losses	153M	-117M	48.09M	88.07M	61.41M
Total Revenues	514M	736M	875M	927M	985M
Salaries And Other Employee Benefits	194M	214M	275M	279M	320M
Federal Deposit Insurance	2.15M	4.08M	6.1M	15.89M	12.17M
Selling General & Admin Expenses, Total	97.26M	109M	180M	147M	145M
(Income) Loss on Real Estate Property	6.9M	663K	702K	852K	2.12M
Total Other Non Interest Expense	65.43M	62.55M	89.92M	119M	156M
Non Interest Expense, Total	366M	390M	552M	562M	635M
EBT, Excl. Unusual Items	148M	346M	323M	365M	349M
Restructuring Charges	-510K	-1.35M	-22.47M	230K	-2.19M
Total Merger & Related Restructuring Charges	-	-	-	-	-
Insurance Settlements	-	-	-	-	-
Legal Settlements	-	15M	-	-	-
Other Unusual Items	-2.28M	-2.09M	-	-	-
EBT, Incl. Unusual Items	145M	358M	301M	365M	347M
Income Tax Expense	31.64M	86.1M	77.96M	96.24M	83.76M
Earnings From Continuing Operations	113M	272M	223M	269M	263M
Net Income to Company	113M	272M	223M	269M	263M
Minority Interest	1.45M	-163K	-273K	131K	176K
Net Income - (IS)	115M	271M	222M	269M	264M
Net Income to Common Incl Extra Items	115M	271M	222M	269M	264M
Net Income to Common Excl. Extra Items	115M	271M	222M	269M	264M
Per Share Items
Net EPS - Basic	2.27	5.71	3.5	4.4	4.43
Basic EPS - Continuing Operations	2.27	5.71	3.5	4.4	4.43
Basic Weighted Average Shares Outstanding	50.51M	47.54M	63.45M	61.11M	59.55M
Net EPS - Diluted	2.27	5.69	3.49	4.4	4.41
Diluted EPS - Continuing Operations	2.27	5.69	3.49	4.4	4.41
Diluted Weighted Average Shares Outstanding	50.55M	47.7M	63.66M	61.22M	59.74M
Normalized Basic EPS	1.86	4.55	3.18	3.74	3.67
Normalized Diluted EPS	1.86	4.53	3.17	3.73	3.66
Dividend Per Share	0.48	0.51	0.56	0.6	0.6
Payout Ratio	21.23	8.93	16.07	13.65	13.58
Supplemental Items
Effective Tax Rate - (Ratio)	21.82	24.07	25.93	26.35	24.12
Current Domestic Taxes	64.48M	46.26M	81.97M	102M	91.93M
Total Current Taxes	64.48M	46.26M	81.97M	102M	91.93M
Deferred Domestic Taxes	-32.85M	39.84M	-4M	-5.4M	-8.16M
Total Deferred Taxes	-32.85M	39.84M	-4M	-5.4M	-8.16M
Normalized Net Income	93.8M	216M	202M	228M	219M
Non-Cash Pension Expense	-2.11M	-4.66M	-4.14M	-812K	-1.21M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	-	-	9M	10M	12.7M
Stock-Based Comp., Other (Total)	3.1M	6.3M	-	-	-
Total Stock-Based Compensation	3.1M	6.3M	9M	10M	12.7M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	1.65B	1.53B	833M	1.09B	1.15B
Investment Securities, Total	121M	322M	407M	384M	380M
Trading Asset Securities, Total	14.45M	5.15M	157M	154M	170M
Mortgage Backed Securities	2.53B	4.98B	4.82B	4.54B	4.16B
Total investments	2.66B	5.31B	5.39B	5.08B	4.71B
Gross Loans	9.02B	7.94B	12.01B	12.88B	13.31B
Allowance For Loan Losses	-229M	-94.51M	-152M	-186M	-195M
Other Adjustments to Gross Loans	-	-55.07M	-95.68M	-114M	-123M
Net Loans	8.8B	7.79B	11.76B	12.58B	13B
Gross Property Plant And Equipment	337M	334M	355M	342M	332M
Accumulated Depreciation	-89.7M	-103M	-101M	-107M	-115M
Net Property Plant And Equipment	248M	231M	254M	235M	217M
Goodwill	473M	473M	884M	886M	886M
Other Intangibles, Total	81.7M	71.11M	123M	113M	96.94M
Investment in FHLB	5.77M	6.07M	24.12M	15.4M	11.8M
Loans Held For Sale	198M	113M	42.98M	29.27M	49.7M
Accrued Interest Receivable	44.34M	41.6M	74.45M	85.98M	84.67M
Restricted Cash	7.39M	5.05M	4.65M	4.27M	1.7M
Other Current Assets, Total	-	-	7.5M	-	-
Other Real Estate Owned And Foreclosed	3.06M	2.32M	833K	1.57M	5.2M
Other Long-Term Assets, Total	166M	203M	520M	477M	597M
Total Assets	14.33B	15.78B	19.91B	20.59B	20.81B
Liabilities
Interest Bearing Deposits	7.96B	8.28B	10.28B	11.24B	11.6B
Institutional Deposits	484M	396M	183M	312M	446M
Non-Interest Bearing Deposits	3.42B	4.57B	5.74B	4.92B	4.99B
Total Deposits	11.86B	13.24B	16.2B	16.47B	17.03B
Short-Term Borrowings	52.65M	47.82M	562M	738M	184M
Current Portion of Long-Term Debt	6.62M	-	-	-	7.88M
Current Portion of Leases	17.01M	17.2M	19.37M	17.73M	18.08M
Long-Term Debt	247M	148M	248M	218M	219M
Federal Home Loan Bank Debt - Long-Term	-	-	-	-	43.16M
Long-Term Leases	149M	142M	139M	134M	134M
Trust Preferred Securities (BS)	67.01M	67.01M	90.44M	90.64M	90.83M
Accrued Interest Payable	1.45M	736K	5.17M	46.68M	38.17M
Other Non Current Liabilities	147M	177M	445M	406M	470M
Total Liabilities	12.54B	13.84B	17.71B	18.12B	18.23B
Common Stock, Total	576K	577K	759K	761K	763K
Additional Paid In Capital	1.05B	1.06B	1.97B	1.98B	2B
Retained Earnings	977M	1.22B	1.41B	1.64B	1.87B
Treasury Stock	-295M	-307M	-505M	-558M	-654M
Comprehensive Income and Other	56.01M	-37.77M	-676M	-594M	-625M
Total Common Equity	1.79B	1.94B	2.21B	2.48B	2.59B
Minority Interest	-2.25M	-2.08M	-3.23M	-7.82M	-10.38M
Total Equity	1.79B	1.94B	2.2B	2.47B	2.58B
Total Liabilities And Equity	14.33B	15.78B	19.91B	20.59B	20.81B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	47.49M	65.38M	61.47M	60.28M	58.56M
ECS Total Common Shares Outstanding	47.76M	47.61M	61.61M	60.54M	58.66M
Book Value / Share	37.52	40.73	35.79	40.93	44.15
Tangible Book Value	1.24B	1.4B	1.2B	1.48B	1.61B
Tangible Book Value Per Share	25.91	29.3	19.46	24.43	27.39
Average Assets	13.15B	14.9B	20.46B	20.2B	20.82B
Average Loans	9.16B	8.46B	11.56B	12.4B	13.14B
Total Debt	539M	422M	1.06B	1.2B	696M
Deposits at Interest - Cash	7.69M	5.42M	5.28M	4.7M	1.78M
Debt Equivalent of Unfunded Proj. Benefit Obligation	1.15M	-3.55M	-4.14M	-5.97M	-8.86M
Net Debt	-1.12B	-1.11B	69.18M	-43.96M	-627M
Full Time Employees	1.84K	1.84K	2.16K	2.23K	2.31K
Number Of Offices	112	112	119	114	114

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	115M	271M	222M	269M	264M
Depreciation, Depletion & Amortization	27.29M	27.25M	42.14M	33.08M	24.02M
Amortization of Goodwill and Intangible Assets - (CF)	10.91M	10.58M	18.4M	15.53M	15.68M
Total Depreciation, Depletion & Amortization	38.2M	37.84M	60.54M	48.6M	39.7M
Amortization of Deferred Charges, Total	-	-	-	-	-
Gain (Loss) on Sale of Loans & Receivables - (CF)	-30.2M	-23.22M	-7.27M	-4.8M	-7.56M
(Gain) Loss On Sale of Asset - (CF)	-25K	-385K	-221K	195K	296K
(Gain) Loss on Sale of Investments - (CF)	-31.89M	-4.77M	-5.98M	-9.82M	-2.31M
Provision for Credit Losses	153M	-117M	48.09M	88.07M	61.41M
Stock-Based Compensation (CF)	2.68M	5.69M	6.35M	9.6M	11.9M
Tax Benefit from Stock Options	-	-	-	-	-
Net (Increase) Decrease in Loans Originated / Sold - Operating	-118M	19.55M	-26.5M	-81.91M	-73.75M
Changes in Accrued Interest Receivable	-6.24M	2.74M	-22.15M	-11.53M	1.31M
Changes in Accrued Interest Payable	-1.65M	-714K	1.2M	41.51M	-8.51M
Change in Other Net Operating Assets (Collected)	-11.16M	-67.19M	237M	-79.17M	-33.71M
Other Operating Activities	-94.46M	1.74M	-32.11M	-32.9M	-32.54M
Cash from Operations	15.14M	126M	481M	237M	220M
Capital Expenditure	-7.16M	-6.58M	-8.81M	-6.41M	-14.26M
Sale of Property, Plant, and Equipment	69K	427K	1.19M	17K	-
Cash Acquisitions	-	-	574M	-3M	-
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-436M	-2.75B	-257M	418M	344M
Net (Increase) Decrease in Loans Originated / Sold - Investing	-449M	1.27B	-434M	-800M	-408M
Other Investing Activities, Total	17.34M	2.19M	-11.91M	65.3M	11.12M
Cash from Investing	-875M	-1.49B	-137M	-326M	-66.73M
Short Term Debt Issued, Total	8.03B	-	2.73B	7.71B	1.53B
Long-Term Debt Issued, Total	5.2B	1M	1.87B	7.76B	13.27B
Total Debt Issued	13.23B	1M	4.6B	15.47B	14.8B
Short Term Debt Repaid, Total	-8.23B	-	-2.73B	-7.71B	-1.53B
Long-Term Debt Repaid, Total	-5.15B	-108M	-1.52B	-7.58B	-13.79B
Total Debt Repaid	-13.38B	-108M	-4.25B	-15.29B	-15.31B
Issuance of Common Stock	2.03M	1.52M	3.18M	3.3M	466K
Repurchase of Common Stock	-156M	-13.27M	-200M	-54.65M	-96.31M
Common Dividends Paid	-24.37M	-24.24M	-35.75M	-36.74M	-35.8M
Common & Preferred Stock Dividends Paid	-24.37M	-24.24M	-35.75M	-36.74M	-35.8M
Net Increase (Decrease) in Deposit Accounts - (CF)	2.27B	1.39B	-1.16B	252M	558M
Other Financing Activities, Total	23K	-	-504K	-4.46M	-3.3M
Cash from Financing	1.94B	1.24B	-1.04B	345M	-91.25M
Net Change in Cash	1.08B	-122M	-696M	256M	61.92M
Supplemental Items
Cash Interest Paid	50.1M	23.43M	36.49M	210M	367M
Cash Income Tax Paid (Refund)	72.76M	40.69M	58.15M	99.14M	82.12M
Net Debt Issued / Repaid	-153M	-107M	350M	185M	-514M

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.85	1.8	1.25	1.33	1.27
Return On Equity %	6.23	14.58	10.76	11.52	10.44
Return on Common Equity	6.3	14.55	10.73	11.5	10.41
Shareholders Value Added	-92.52M	59.02M	6.17M	3.57M	-23.32M
Margin Analysis
SG&A Margin	56.75	43.84	52.02	45.93	47.18
Net Interest Income / Total Revenues %	90.69	58.9	75.76	78.23	71.62
EBT Excl. Non-Recurring Items Margin %	28.76	47.02	36.93	39.38	35.48
Income From Continuing Operations Margin %	22.06	36.89	25.45	29.02	26.75
Net Income Margin %	22.34	36.87	25.42	29.04	26.77
Net Avail. For Common Margin %	22.34	36.87	25.42	29.04	26.77
Normalized Net Income Margin	18.26	29.36	23.05	24.63	22.19
Asset quality
Nonperforming Loans / Total Loans %	0.64	0.39	0.35	0.58	0.92
Nonperforming Loans / Total Assets %	0.4	0.2	0.21	0.36	0.59
Nonperforming Assets / Total Assets %	0.42	0.21	0.22	0.37	0.61
NPAs / Loans and OREO	0.67	0.42	0.36	0.59	0.96
NPAs / Equity	3.38	1.71	1.97	3.07	4.94
Allowance for Credit Losses / Net Charge-offs %	2.93K	549.14	902.22	345.91	373.7
Allowance for Credit Losses / Nonperforming Loans %	398.29	306.71	356.99	250.89	159.83
Allowance for Credit Losses / Total Loans %	2.54	1.19	1.26	1.44	1.47
Net Charge-offs / Total Average Loans %	0.09	0.2	0.15	0.43	0.4
Provision for Loan Losses / Net Charge-offs %	1.96K	-680.34	285.7	163.68	117.52
Earning Assets / IBL	145.2	154.08	161.49	149.77	147.28
Interest Income / Average Assets	3.91	3.06	3.44	4.83	5.11
Interest Expense / Average Assets	0.37	0.15	0.2	1.24	1.72
Net Interest Income / Average Assets	3.54	2.91	3.24	3.59	3.39
Non Interest Income / Average Assets	1.53	1.24	1.27	1.43	1.64
Non Interest Expense / Average Asset	2.78	2.62	2.7	2.78	3.05
Capital And Funding
Total Average Common Equity / Total Average Assets %	13.7	12.39	11.61	11.56	12.24
Total Average Equity / Total Average Assets %	13.69	12.38	11.6	11.53	12.19
Total Equity + Allowance for Loan Losses / Total Loans %	22.39	25.61	19.63	20.68	20.92
Gross Loans / Total Deposits %	76.12	59.98	74.1	78.21	78.18
Net Loans / Total Deposits %	74.19	58.85	72.58	76.38	76.31
Tier 1 Capital Ratio %	12.5	14.79	12.22	13.17	13.81
Total Capital Ratio %	13.76	15.59	14.2	15.23	15.77
Core Tier 1 Capital Ratio	11.87	14.16	12.22	13.17	13.81
Equity Tier 1 Capital Ratio	8.96	9.14	6.31	7.52	8.08
Coverage Ratio	464.82	447.1	372.76	275.76	155.46
Leverage Ratio %	9.76	10.24	9.79	10.48	10.96
Interbank Ratio	-	-	-	-	-
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	16.78	46.88	24.59	9.78	8.02
EBT + Interest Expense / Interest Expense	3.99	16.74	8.35	2.45	1.97
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	4.72	-6.93	52.86	9.39	-2.71
Non Interest Income, 1 Yr. Growth %	6.87	-7.73	40.25	11.43	17.61
Provision For Loan Losses, 1 Yr. Growth %	499.3	-176.44	-141.07	83.14	-30.27
Total Revenues, 1 Yr. Growth %	-15.42	43.29	18.84	5.94	6.26
Earnings From Cont. Operations, 1 Yr. Growth %	-23.39	139.68	-18.03	20.83	-2.06
Net Income, 1 Yr. Growth %	-22.87	136.5	-18.08	21.04	-2.04
Normalized Net Income, 1 Yr. Growth %	-29.03	130.47	-6.44	13.2	-4.25
Diluted EPS Before Extra, 1 Yr. Growth %	-24.33	150.66	-38.66	26.07	0.23
Dividend Per Share, 1 Yr. Growth %	2.13	6.25	9.8	7.14	0
Gross Loans, 1 Yr. Growth %	6.41	-12.36	51.21	7.3	3.34
Allowance For Loan Losses, 1 Yr. Growth %	380.92	-58.7	60.69	22.56	4.92
Net Loans, 1 Yr. Growth %	4.41	-11.42	50.93	7	3.28
Non Performing Loans, 1 Yr. Growth %	54.41	-46.36	38.06	74.39	64.7
Non Performing Assets, 1 Yr. Growth %	52	-45.24	30.9	74.66	68.16
Total Assets, 1 Yr. Growth %	16.95	10.07	26.22	3.41	1.07
Total Deposits, 1 Yr Growth %	23.68	11.67	22.38	1.67	3.37
Tangible Book Value, 1 Yr. Growth %	-3.71	12.77	-14.07	23.37	8.64
Average Interest Earning Assets, 1 Yr. Growth %	17.38	13.88	33.34	-1.3	4.67
Average Interest Bearing Liabilities, 1 Yr. Growth %	10.68	7.32	27.22	6.43	6.45
Common Equity, 1 Yr. Growth %	-3.17	8.23	13.72	12.36	4.53
Total Equity, 1 Yr. Growth %	-3.24	8.24	13.67	12.17	4.44
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	37.49	-1.28	19.27	29.31	3.16
Non Interest Income, 2 Yr. CAGR %	11.21	-0.7	13.76	25.01	14.48
Provision For Loan Losses, 2 Yr. CAGR %	241.04	114.03	-43.97	-13.27	13
Total Revenues, 2 Yr. CAGR %	13.93	10.09	30.49	12.21	6.1
Earnings From Cont. Operations, 2 Yr. CAGR %	-8.29	35.51	40.17	-0.48	8.79
Net Income, 2 Yr. CAGR %	-7.71	35.06	39.19	-0.42	8.89
Normalized Net Income, 2 Yr. CAGR %	-3.51	27.89	46.63	2.91	4.11
Diluted EPS Before Extra, 2 Yr. CAGR %	-26.4	37.72	23.99	-12.06	12.41
Dividend Per Share, 2 Yr. CAGR %	6.9	4.17	8.01	8.47	3.51
Gross Loans, 2 Yr. CAGR %	35.56	-3.24	15.11	27.37	5.3
Allowance For Loan Losses, 2 Yr. CAGR %	140.56	40.94	-18.53	40.34	13.4
Net Loans, 2 Yr. CAGR %	34.48	-3.83	15.63	27.08	5.12
Non Performing Loans, 2 Yr. CAGR %	12.98	-8.99	-13.95	55.16	69.48
Non Performing Assets, 2 Yr. CAGR %	12.66	-8.77	-15.34	51.21	71.38
Total Assets, 2 Yr. CAGR %	40.62	13.46	17.87	14.25	2.23
Total Deposits, 2 Yr CAGR %	44.99	17.52	16.9	11.55	2.52
Tangible Book Value, 2 Yr. CAGR %	39.45	4.2	-1.56	2.96	15.77
Average Interest Earning Assets, 2 Yr. CAGR %	-	-	-	-	-
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	-	-	-	-
Common Equity, 2 Yr. CAGR %	47.74	2.37	10.94	13.04	8.37
Total Equity, 2 Yr. CAGR %	47.64	2.34	10.93	12.92	8.23
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	28.18	20.72	14.21	15.88	17.61
Non Interest Income, 3 Yr. CAGR %	17.27	4.5	11.41	12.98	22.5
Provision For Loan Losses, 3 Yr. CAGR %	140.85	107.16	23.45	-16.85	-19.36
Total Revenues, 3 Yr. CAGR %	15.33	22.98	12.93	21.73	10.19
Earnings From Cont. Operations, 3 Yr. CAGR %	31.14	26.32	14.6	33.4	-1.01
Net Income, 3 Yr. CAGR %	31.7	26.3	14.33	32.86	-0.96
Normalized Net Income, 3 Yr. CAGR %	6.31	28.98	15.12	34.51	0.47
Diluted EPS Before Extra, 3 Yr. CAGR %	13.32	10.74	5.17	24.68	-8.14
Dividend Per Share, 3 Yr. CAGR %	16.96	6.69	6.01	7.72	5.57
Gross Loans, 3 Yr. CAGR %	23.21	17.37	12.29	12.45	18.8
Allowance For Loan Losses, 3 Yr. CAGR %	77.96	33.7	47.24	-6.65	27.37
Net Loans, 3 Yr. CAGR %	22.57	17.01	11.76	12.68	18.59
Non Performing Loans, 3 Yr. CAGR %	0.56	-11.86	4.57	8.9	58.28
Non Performing Assets, 3 Yr. CAGR %	0.84	-11.42	2.9	7.78	56.66
Total Assets, 3 Yr. CAGR %	26.99	29.59	17.56	12.84	9.68
Total Deposits, 3 Yr CAGR %	31.22	32.9	19.12	11.59	8.75
Tangible Book Value, 3 Yr. CAGR %	32.09	29.92	-2.28	6.13	4.82
Average Interest Earning Assets, 3 Yr. CAGR %	-	-	-	-	-
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	-	-	-	-
Common Equity, 3 Yr. CAGR %	35.24	33.18	6.02	11.41	10.12
Total Equity, 3 Yr. CAGR %	35.18	33.13	5.99	11.34	10.02
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	22.81	17.48	24.54	24.09	9.66
Non Interest Income, 5 Yr. CAGR %	17.37	12.04	15.85	12.27	12.63
Provision For Loan Losses, 5 Yr. CAGR %	81.44	55.24	34.4	46.23	19.16
Total Revenues, 5 Yr. CAGR %	15.56	20.83	21.17	18.55	10.15
Earnings From Cont. Operations, 5 Yr. CAGR %	16.18	33.49	34.68	14.83	12.24
Net Income, 5 Yr. CAGR %	16.48	33.47	34.65	14.84	12.12
Normalized Net Income, 5 Yr. CAGR %	10.26	26.76	20.9	17.78	10.59
Diluted EPS Before Extra, 5 Yr. CAGR %	4.18	22.53	17.47	0.98	8.01
Dividend Per Share, 5 Yr. CAGR %	17.98	15.33	13.3	7.39	5.01
Gross Loans, 5 Yr. CAGR %	18.89	12.07	20	21.28	9.44
Allowance For Loan Losses, 5 Yr. CAGR %	43.89	18.91	30.19	36.32	32.63
Net Loans, 5 Yr. CAGR %	18.57	11.88	19.75	20.94	9.06
Non Performing Loans, 5 Yr. CAGR %	10.54	-3.7	-5.52	10.51	26.85
Non Performing Assets, 5 Yr. CAGR %	8.69	-4.08	-5.97	9.7	26.19
Total Assets, 5 Yr. CAGR %	20.75	18.45	23.26	23.22	11.17
Total Deposits, 5 Yr CAGR %	24.17	22.81	25.29	23.91	12.18
Tangible Book Value, 5 Yr. CAGR %	20.57	22.94	17.43	18.38	4.57
Average Interest Earning Assets, 5 Yr. CAGR %	22	21.52	-	-	-
Average Interest Bearing Liabilities, 5 Yr. CAGR %	17.55	15.42	-	-	-
Common Equity, 5 Yr. CAGR %	25.28	23.05	24.94	24.72	6.96
Total Equity, 5 Yr. CAGR %	25.25	23.02	24.9	24.64	6.88