Financial Ratios Citigroup Inc.

Stocks

C

US1729674242

Investment Banking & Brokerage Services

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Published financial data: CITIGROUP INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	50.48B	74.41B	133B	144B	143B
Interest Income, Total	50.48B	74.41B	133B	144B	143B
Interest On Deposits	7.98B	25.74B	78.36B	89.62B	83.07B
Interest Expense, Total	7.98B	25.74B	78.36B	89.62B	83.07B
Net Interest Income	42.49B	48.67B	54.9B	54.1B	59.79B
Trust Income	3.94B	3.78B	3.78B	4.13B	4.41B
Income From Trading Activities	10.15B	14.16B	10.95B	11.65B	10.24B
Gain (Loss) on Sale of Assets	-700M	55M	1.56B	-	-1.38B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	459M	-460M	-115M	-152M	107M
Total Other Non Interest Income	15.54B	9.1B	7.41B	11.36B	12.05B
Non Interest Income, Total	29.39B	26.64B	23.59B	26.99B	25.42B
Revenues Before Provison For Loan Losses	71.89B	75.3B	78.49B	81.09B	85.21B
Provision For Loan Losses	-3.1B	4.74B	7.79B	9.73B	9.5B
Total Revenues	74.99B	70.56B	70.7B	71.36B	75.72B
Salaries And Other Employee Benefits	23.45B	24.82B	27.41B	26.76B	27.78B
Occupancy Expense	1.25B	1.27B	1.46B	1.39B	1.46B
Selling General & Admin Expenses, Total	12.06B	13.03B	13.37B	14.98B	15.46B
Total Other Non Interest Expense	10.76B	12.64B	14.79B	10.71B	10.47B
Non Interest Expense, Total	47.52B	51.75B	57.02B	53.84B	55.18B
EBT, Excl. Unusual Items	27.47B	18.81B	13.68B	17.52B	20.54B
Restructuring Charges	-	-	-781M	-269M	14M
Impairment of Goodwill	-	-	-	-	-726M
Other Unusual Items	-	-	16M	-207M	3M
EBT, Incl. Unusual Items	27.47B	18.81B	12.91B	17.05B	19.83B
Income Tax Expense	5.45B	3.64B	3.53B	4.21B	5.37B
Earnings From Continuing Operations	22.02B	15.16B	9.38B	12.84B	14.46B
Earnings Of Discontinued Operations	7M	-231M	-1M	-2M	-3M
Net Income to Company	22.02B	14.93B	9.38B	12.83B	14.45B
Minority Interest	-73M	-89M	-153M	-151M	-146M
Net Income - (IS)	21.95B	14.84B	9.23B	12.68B	14.31B
Preferred Dividend and Other Adjustments	1.19B	1.14B	1.38B	1.22B	1.28B
Net Income to Common Incl Extra Items	20.76B	13.7B	7.85B	11.46B	13.02B
Net Income to Common Excl. Extra Items	20.75B	13.93B	7.85B	11.46B	13.02B
Per Share Items
Net EPS - Basic	10.21	7.04	4.07	6.03	7.11
Basic EPS - Continuing Operations	10.21	7.16	4.07	6.03	7.11
Basic Weighted Average Shares Outstanding	2.03B	1.95B	1.93B	1.9B	1.83B
Net EPS - Diluted	10.14	7	4.04	5.94	6.99
Diluted EPS - Continuing Operations	10.14	7.11	4.04	5.95	6.99
Diluted Weighted Average Shares Outstanding	2.05B	1.96B	1.96B	1.94B	1.87B
Normalized Basic EPS	8.41	5.99	4.35	5.68	6.93
Normalized Diluted EPS	8.34	5.94	4.29	5.57	6.77
Dividend Per Share	2.04	2.04	2.08	2.18	2.32
Payout Ratio	23.68	33.7	56.48	41	37.55
American Depositary Receipts Ratio (ADR)	0.17	0.17	0.17	0.17	0.17
Supplemental Items
Effective Tax Rate - (Ratio)	19.84	19.37	27.33	24.7	27.1
Current Domestic Taxes	750M	677M	137M	162M	-219M
Current Foreign Taxes	3.29B	4.11B	5.81B	5.94B	5.14B
Total Current Taxes	4.04B	4.78B	5.94B	6.11B	4.92B
Deferred Domestic Taxes	1.4B	-1.49B	-1.98B	-1.08B	351M
Deferred Foreign Taxes	8M	353M	-432M	-816M	101M
Total Deferred Taxes	1.41B	-1.14B	-2.42B	-1.9B	452M
Normalized Net Income	17.1B	11.67B	8.39B	10.8B	12.69B
Non-Cash Pension Expense	-10M	85M	160M	215M	188M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	1.68B	1.84B	1.82B	1.78B	1.86B
Total Stock-Based Compensation	1.68B	1.84B	1.82B	1.78B	1.86B

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	235B	325B	242B	257B	325B
Investment Securities, Total	741B	789B	754B	647B	696B
Trading Asset Securities, Total	198B	201B	215B	249B	308B
Mortgage Backed Securities	99.31B	103B	111B	104B	105B
Total investments	1,038B	1,093B	1,079B	1,000B	1,109B
Gross Loans	669B	658B	690B	695B	753B
Allowance For Loan Losses	-16.46B	-16.97B	-18.14B	-18.57B	-19.25B
Other Adjustments to Gross Loans	-799M	-797M	-917M	-969M	-1.1B
Net Loans	651B	640B	671B	676B	733B
Net Property Plant And Equipment	2.9B	26.25B	28.75B	30.19B	33.34B
Goodwill	21.3B	19.69B	20.1B	19.3B	19.1B
Other Intangibles, Total	4.09B	3.76B	3.73B	3.73B	3.52B
Accrued Interest Receivable	-	5B	5B	5B	5B
Other Receivables	54.34B	54.19B	53.92B	50.84B	62.68B
Restricted Cash	27.12B	18.78B	22.92B	26.74B	36.92B
Other Current Assets, Total	145B	134B	197B	193B	229B
Deferred Tax Assets Long-Term (Collected)	29.81B	33.35B	35.48B	34.77B	34.83B
Other Real Estate Owned And Foreclosed	27M	15M	36M	18M	22M
Other Long-Term Assets, Total	82.32B	64.24B	52.23B	55.98B	66.09B
Total Assets	2,291B	2,417B	2,412B	2,353B	2,657B
Liabilities
Accrued Expenses, Total	61.43B	69.22B	63.54B	66.6B	74.84B
Interest Bearing Deposits	979B	936B	888B	903B	1,005B
Institutional Deposits	82.14B	213B	220B	174B	190B
Non-Interest Bearing Deposits	256B	218B	201B	208B	209B
Total Deposits	1,317B	1,366B	1,309B	1,284B	1,404B
Short-Term Borrowings	275B	309B	366B	352B	458B
Current Portion of Long-Term Debt	32.99B	32.46B	48.49B	41.88B	43.86B
Current Portion of Leases	763M	704M	728M	709M	718M
Long-Term Debt	220B	235B	232B	242B	267B
Federal Home Loan Bank Debt - Long-Term	-	3B	4.5B	2B	3B
Long-Term Leases	2.35B	2.37B	2.25B	2.3B	2.44B
Trust Preferred Securities (BS)	1.73B	1.61B	1.61B	1.62B	1.63B
Other Current Liabilities - (Bank / Utility Template)	115B	111B	106B	86.23B	105B
Deferred Tax Liability Non-Current	-	5.68B	5.88B	4.92B	5.3B
Other Non Current Liabilities	62.67B	79.12B	65.81B	59.5B	77.27B
Total Liabilities	2,089B	2,215B	2,206B	2,144B	2,443B
Preferred Stock Redeemable	16.74B	16.74B	17.6B	17.85B	20.05B
Preferred Stock Convertible	2.25B	2.25B	-	-	-
Total Preferred Equity	19B	19B	17.6B	17.85B	20.05B
Common Stock, Total	31M	31M	31M	31M	31M
Additional Paid In Capital	108B	108B	109B	109B	108B
Retained Earnings	185B	195B	199B	206B	215B
Treasury Stock	-71.24B	-73.97B	-75.24B	-76.84B	-89.47B
Comprehensive Income and Other	-38.76B	-47.06B	-44.8B	-47.85B	-41.9B
Total Common Equity	183B	182B	188B	191B	192B
Minority Interest	700M	649M	798M	768M	1.53B
Total Equity	203B	202B	206B	209B	214B
Total Liabilities And Equity	2,291B	2,417B	2,412B	2,353B	2,657B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.98B	1.94B	1.91B	1.88B	1.75B
ECS Total Common Shares Outstanding	1.98B	1.94B	1.9B	1.88B	1.75B
Book Value / Share	92.21	94.06	98.71	101.62	110.01
Tangible Book Value	158B	159B	164B	168B	170B
Tangible Book Value Per Share	79.41	81.95	86.19	89.35	97.06
Tangible Book Value Per Share (As Reported)	79.16	81.65	86.19	89.34	97.06
Average Assets	2,348B	2,396B	2,442B	2,468B	2,644B
Average Loans	668B	653B	661B	683B	716B
Total Debt	532B	584B	656B	642B	777B
Debt Equivalent of Unfunded Proj. Benefit Obligation	176M	-115M	34M	-897M	-1.28B
Net Debt	-228B	-307B	-146B	-139B	-212B
Full Time Employees	220K	236K	237K	227K	226K
Part Time Employees	3.35K	3.6K	2.15K	2.29K	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	21.95B	14.84B	9.23B	12.68B	14.31B
Depreciation, Depletion & Amortization	3.6B	3.91B	4.19B	3.94B	4.13B
Amortization of Goodwill and Intangible Assets - (CF)	360M	352M	370M	371M	245M
Total Depreciation, Depletion & Amortization	3.96B	4.26B	4.56B	4.31B	4.37B
Amortization of Deferred Charges, Total	-	-	-	-	-
Minority Interest in Earnings - (CF)	-73M	-89M	-153M	-151M	-146M
(Gain) Loss On Sale of Asset - (CF)	700M	-762M	-1.46B	-	1.35B
(Gain) Loss on Sale of Investments - (CF)	-459M	432M	135M	103M	-130M
Total Asset Writedown	-	535M	-	-	726M
Restructuring Activities	-	-	-	-	-
Provision for Credit Losses	-3.89B	5.04B	9.19B	10.11B	10.26B
Change in Trading Asset Securities	43.06B	-2.27B	-77.84B	-31.17B	-94.56B
Change in Other Net Operating Assets (Collected)	-5.48B	3.9B	-14.81B	-13.81B	-4.42B
Other Operating Activities	1.49B	-1.05B	-2.26B	-1.74B	598M
Net Cash From Discontinued Operations	-7M	231M	1M	2M	3M
Cash from Operations	61.25B	25.07B	-73.42B	-19.67B	-67.63B
Capital Expenditure	-4.12B	-5.63B	-6.58B	-6.5B	-6.52B
Sale of Property, Plant, and Equipment	190M	63M	56M	222M	62M
Divestitures	-	5.74B	-1.39B	-	-
Investment in Marketable and Equity Securities, Total	-123B	-66.95B	38.35B	106B	-33.41B
Net (Increase) Decrease in Loans Originated / Sold - Investing	1.74B	-11.88B	-39.72B	-15.84B	-70.58B
Other Investing Activities, Total	185M	-791M	835M	2.51B	2.17B
Cash from Investing	-125B	-79.46B	-8.46B	86.25B	-108B
Short Term Debt Issued, Total	-	30.28B	75.66B	11.05B	96.72B
Long-Term Debt Issued, Total	70.66B	105B	65.82B	99.08B	122B
Total Debt Issued	70.66B	135B	141B	110B	219B
Short Term Debt Repaid, Total	-9.78B	-	-9.64B	-23.35B	-
Long-Term Debt Repaid, Total	-74.95B	-57.08B	-64.96B	-92.96B	-103B
Total Debt Repaid	-84.73B	-57.08B	-74.6B	-116B	-103B
Repurchase of Common Stock	-7.94B	-3.59B	-2.31B	-2.93B	-14.03B
Issuance of Preferred Stock	3.3B	-	2.74B	5.28B	7.19B
Repurchase of Preferred Stock	-3.78B	-	-4.14B	-5.05B	-5B
Common Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-5.2B	-5B	-5.21B	-5.2B	-5.37B
Common & Preferred Stock Dividends Paid	-5.2B	-5B	-5.21B	-5.2B	-5.37B
Net Increase (Decrease) in Deposit Accounts - (CF)	44.97B	68.42B	-57.27B	-24.22B	138B
Other Financing Activities, Total	-	-	-	-	1.88B
Cash from Financing	17.27B	138B	687M	-38.3B	238B
Foreign Exchange Rate Adjustments	-1.2B	-3.38B	95M	-12.68B	10.93B
Net Change in Cash	-47.58B	79.99B	-81.09B	15.6B	73.05B
Supplemental Items
Cash Interest Paid	7.14B	22.62B	72.99B	88.03B	80.98B
Cash Income Tax Paid (Refund)	4.03B	3.73B	5.73B	5.8B	6.51B
Net Debt Issued / Repaid	-14.07B	77.94B	66.88B	-6.19B	115B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.97	0.64	0.39	0.54	0.58
Return On Equity %	10.93	7.5	4.6	6.18	6.83
Return on Common Equity	11.43	7.63	4.24	6.05	6.8
Shareholders Value Added	536M	-6.71B	-12.12B	-9.49B	-8.44B
Margin Analysis
SG&A Margin	49.03	55.44	59.74	60.44	59.05
Net Interest Income / Total Revenues %	56.67	68.97	77.65	75.8	78.97
EBT Excl. Non-Recurring Items Margin %	36.63	26.65	19.34	24.55	27.12
Income From Continuing Operations Margin %	29.36	21.49	13.27	17.99	19.09
Net Income Margin %	29.27	21.04	13.05	17.77	18.89
Net Avail. For Common Margin %	27.67	19.74	11.1	16.06	17.2
Normalized Net Income Margin	22.8	16.53	11.87	15.13	16.76
Asset quality
Nonperforming Loans / Total Loans %	0.51	0.37	0.46	0.39	0.48
Nonperforming Loans / Total Assets %	0.15	0.1	0.13	0.11	0.14
Nonperforming Assets / Total Assets %	0.15	0.1	0.13	0.11	0.14
NPAs / Loans and OREO	0.51	0.37	0.47	0.39	0.48
NPAs / Equity	1.68	1.22	1.57	1.29	1.7
Allowance for Credit Losses / Net Charge-offs %	336.16	447.98	281.89	206.38	211.58
Allowance for Credit Losses / Nonperforming Loans %	486.98	695.94	567.56	691.25	531.83
Allowance for Credit Losses / Total Loans %	2.46	2.58	2.63	2.67	2.55
Net Charge-offs / Total Average Loans %	0.73	0.58	0.97	1.32	1.27
Provision for Loan Losses / Net Charge-offs %	-63.39	125.23	120.96	108.07	104.4
Earning Assets / IBL	124.52	125.03	123.99	123.68	122.35
Interest Income / Average Assets	2.15	3.11	5.46	5.82	5.4
Interest Expense / Average Assets	0.34	1.07	3.21	3.63	3.14
Net Interest Income / Average Assets	1.81	2.03	2.25	2.19	2.26
Non Interest Income / Average Assets	1.25	1.11	0.97	1.09	0.96
Non Interest Expense / Average Asset	2.02	2.16	2.33	2.18	2.09
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.97	7.76	7.66	7.95	7.64
Total Average Equity / Total Average Assets %	8.85	8.59	8.45	8.72	8.45
Total Equity + Allowance for Loan Losses / Total Loans %	32.67	33.15	32.39	32.67	30.74
Gross Loans / Total Deposits %	50.76	48.17	52.75	54.14	53.67
Net Loans / Total Deposits %	49.45	46.87	51.29	52.62	52.22
Tier 1 Capital Ratio %	13.91	13.85	13.6	13.63	13.65
Total Capital Ratio %	16.72	15.46	15.13	15.42	15.66
Core Tier 1 Capital Ratio	12.25	12.19	12.11	12.14	11.93
Tier 2 Capital Ratio	2.81	1.61	1.53	1.78	2.01
Equity Tier 1 Capital Ratio	12.88	12.95	12.93	13.1	12.89
Coverage Ratio	296.06	419.84	935.31	1.23K	895.21
Leverage Ratio %	7.21	7.06	7.2	7.17	6.69
Interbank Ratio	337.78	369.37	220.7	208.36	208.32
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	4.44	1.73	1.16	1.19	1.24
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-5.04	14.53	12.81	-1.47	10.53
Non Interest Income, 1 Yr. Growth %	-4.39	-9.38	-11.45	14.45	-4.35
Provision For Loan Losses, 1 Yr. Growth %	-119.49	-252.92	64.09	24.92	-2.35
Total Revenues, 1 Yr. Growth %	25.88	-5.91	0.2	0.94	6.72
Earnings From Cont. Operations, 1 Yr. Growth %	98.24	-31.12	-38.13	36.8	12.62
Net Income, 1 Yr. Growth %	98.71	-32.38	-37.84	37.43	12.81
Normalized Net Income, 1 Yr. Growth %	101.59	-31.76	-27.96	14.17	19.01
Diluted EPS Before Extra, 1 Yr. Growth %	114.37	-29.86	-43.16	47.03	17.64
Dividend Per Share, 1 Yr. Growth %	0	0	1.96	4.81	6.42
Gross Loans, 1 Yr. Growth %	-1.21	-1.57	4.9	0.75	8.32
Allowance For Loan Losses, 1 Yr. Growth %	-34.06	3.15	6.9	2.36	3.62
Net Loans, 1 Yr. Growth %	0.06	-1.7	4.84	0.7	8.44
Non Performing Loans, 1 Yr. Growth %	-40.38	-27.82	31.08	-15.95	34.69
Non Performing Assets, 1 Yr. Growth %	-40.36	-27.95	31.74	-16.33	34.6
Total Assets, 1 Yr. Growth %	1.39	5.47	-0.2	-2.44	12.93
Total Deposits, 1 Yr Growth %	2.85	3.7	-4.19	-1.85	9.27
Tangible Book Value, 1 Yr. Growth %	2.74	0.73	3.33	2.25	1.14
Average Interest Earning Assets, 1 Yr. Growth %	5.87	1.34	2.84	1.22	7.26
Average Interest Bearing Liabilities, 1 Yr. Growth %	4.12	0.93	3.69	1.47	8.43
Common Equity, 1 Yr. Growth %	1.68	-0.43	3.11	1.54	0.78
Total Equity, 1 Yr. Growth %	1.23	-0.41	2.19	1.51	2.13
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-6.04	4.28	13.66	5.43	4.36
Non Interest Income, 2 Yr. CAGR %	4.46	-6.92	-10.42	0.67	4.7
Provision For Loan Losses, 2 Yr. CAGR %	-38.55	-45.41	58.4	43.17	10.44
Total Revenues, 2 Yr. CAGR %	5.91	8.83	-2.9	0.57	3.78
Earnings From Cont. Operations, 2 Yr. CAGR %	6.34	16.85	-34.72	-8	24.13
Net Income, 2 Yr. CAGR %	6.37	15.92	-35.16	-7.57	24.51
Normalized Net Income, 2 Yr. CAGR %	7.21	17.29	-29.93	-3.63	22.95
Diluted EPS Before Extra, 2 Yr. CAGR %	12.32	22.62	-36.85	-8.58	31.52
Dividend Per Share, 2 Yr. CAGR %	3.08	0	0.98	3.37	5.61
Gross Loans, 2 Yr. CAGR %	-2.29	-1.39	1.61	2.81	4.47
Allowance For Loan Losses, 2 Yr. CAGR %	13.46	-17.53	5.01	4.61	2.99
Net Loans, 2 Yr. CAGR %	-2.61	-0.82	1.52	2.75	4.5
Non Performing Loans, 2 Yr. CAGR %	-8.14	-34.4	-2.73	4.96	6.4
Non Performing Assets, 2 Yr. CAGR %	-8.46	-34.45	-2.57	4.99	6.12
Total Assets, 2 Yr. CAGR %	8.37	3.41	2.59	-1.33	4.96
Total Deposits, 2 Yr CAGR %	10.92	3.28	-0.33	-3.03	3.56
Tangible Book Value, 2 Yr. CAGR %	2.91	1.73	2.02	2.79	1.69
Average Interest Earning Assets, 2 Yr. CAGR %	9.24	3.58	2.08	2.02	4.2
Average Interest Bearing Liabilities, 2 Yr. CAGR %	8.89	2.51	2.3	2.58	4.89
Common Equity, 2 Yr. CAGR %	2.18	0.62	1.32	2.32	1.16
Total Equity, 2 Yr. CAGR %	2.22	0.41	0.88	1.85	1.82
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-3	0.37	7.05	8.38	7.1
Non Interest Income, 3 Yr. CAGR %	3.79	-0.38	-8.45	-2.8	-1.55
Provision For Loan Losses, 3 Yr. CAGR %	-25	-16.73	-21.22	46.35	26.02
Total Revenues, 3 Yr. CAGR %	4.61	1.82	5.87	-1.64	2.38
Earnings From Cont. Operations, 3 Yr. CAGR %	6.77	-7.99	-5.47	-16.46	-1.59
Net Income, 3 Yr. CAGR %	6.75	-8.54	-5.82	-16.71	-1.23
Normalized Net Income, 3 Yr. CAGR %	5.36	-7.78	-0.34	-14.19	2.95
Diluted EPS Before Extra, 3 Yr. CAGR %	14.87	-3.99	-5.1	-16.31	-0.56
Dividend Per Share, 3 Yr. CAGR %	9.83	2.04	0.65	2.24	4.38
Gross Loans, 3 Yr. CAGR %	-0.81	-2.05	0.66	1.32	4.61
Allowance For Loan Losses, 3 Yr. CAGR %	10.14	9.91	-10.08	4.12	4.28
Net Loans, 3 Yr. CAGR %	-1.03	-2.31	1.03	1.24	4.61
Non Performing Loans, 3 Yr. CAGR %	-1.51	-15.23	-17.38	-7.35	14.06
Non Performing Assets, 3 Yr. CAGR %	-2.15	-15.48	-17.28	-7.39	14.06
Total Assets, 3 Yr. CAGR %	6.12	7.39	2.19	0.89	3.21
Total Deposits, 3 Yr CAGR %	9.14	8.46	0.72	-0.84	0.91
Tangible Book Value, 3 Yr. CAGR %	1.42	2.18	2.26	2.1	2.23
Average Interest Earning Assets, 3 Yr. CAGR %	7.17	6.54	3.33	1.79	3.74
Average Interest Bearing Liabilities, 3 Yr. CAGR %	7.9	6.16	2.9	2.02	4.49
Common Equity, 3 Yr. CAGR %	0.97	1.3	1.44	1.4	1.81
Total Equity, 3 Yr. CAGR %	0.94	1.34	1	1.09	1.94
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-1.35	1.55	3.35	2.37	5.97
Non Interest Income, 5 Yr. CAGR %	3.03	-0.79	-2.15	0.04	-3.73
Provision For Loan Losses, 5 Yr. CAGR %	-14.39	-8.76	1.15	3.43	-9.82
Total Revenues, 5 Yr. CAGR %	3.2	1.57	1.54	1.32	4.91
Earnings From Cont. Operations, 5 Yr. CAGR %	7.93	18.01	-12.3	-8	5.41
Net Income, 5 Yr. CAGR %	8.04	16.91	-12.55	-8.15	5.31
Normalized Net Income, 5 Yr. CAGR %	5.05	-4.09	-10.5	-6.2	8.4
Diluted EPS Before Extra, 5 Yr. CAGR %	16.43	19.32	-9.58	-5.85	8.13
Dividend Per Share, 5 Yr. CAGR %	37.18	16.27	6.2	2.57	2.61
Gross Loans, 5 Yr. CAGR %	1.35	-0.29	0.15	-0.14	2.17
Allowance For Loan Losses, 5 Yr. CAGR %	6.41	6.56	8.06	7.76	-5.06
Net Loans, 5 Yr. CAGR %	1.24	-0.44	-0.02	-0.32	2.4
Non Performing Loans, 5 Yr. CAGR %	-9.54	-12.04	-2	-7.67	-8.58
Non Performing Assets, 5 Yr. CAGR %	-9.99	-12.47	-2.32	-7.82	-8.61
Total Assets, 5 Yr. CAGR %	5.04	5.58	4.7	3.82	3.29
Total Deposits, 5 Yr CAGR %	7.22	7.31	5.25	3.71	1.85
Tangible Book Value, 5 Yr. CAGR %	-2.53	0.52	1.66	2.42	2.03
Average Interest Earning Assets, 5 Yr. CAGR %	6.12	5.39	5.11	4.71	3.68
Average Interest Bearing Liabilities, 5 Yr. CAGR %	7.27	6.11	5.62	4.71	3.69
Common Equity, 5 Yr. CAGR %	-2.33	0.08	1.11	1.71	1.33
Total Equity, 5 Yr. CAGR %	-2.17	0.02	0.91	1.54	1.33