Financial Ratios Commerzbank AG

Equities

CBK

DE000CBK1001

Banks

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Published financial data: COMMERZBANK AG

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	758.5Cr	726.7Cr	1.03TCr	1.83TCr	2.12TCr
Interest Income On Investments	3.7Cr	2.2Cr	3.2Cr	2.6Cr	4.4Cr
Interest Income, Total	762.2Cr	728.9Cr	1.04TCr	1.83TCr	2.13TCr
Interest On Deposits	261Cr	241.9Cr	387.3Cr	989.5Cr	1.29TCr
Interest Expense, Total	261Cr	241.9Cr	387.3Cr	989.5Cr	1.29TCr
Net Interest Income	501.2Cr	487Cr	649.1Cr	839.4Cr	837.6Cr
Income From Trading Activities	-	-	-	-	-
Gain (Loss) on Sale of Loans	-6.8Cr	-2.1Cr	4.8Cr	17Cr	14Cr
Gain (Loss) on Sale of Assets	10L	40L	3.6Cr	1.1Cr	1.2Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	6.1Cr	98Cr	46Cr	-38Cr	-4Cr
Income (Loss) on Equity Invest. (Income Block)	60L	60L	1.3Cr	40L	10L
Total Other Non Interest Income	329.7Cr	274Cr	250.1Cr	233.2Cr	267.2Cr
Non Interest Income, Total	329.7Cr	371.2Cr	305.3Cr	213.9Cr	279Cr
Revenues Before Provison For Loan Losses	830.9Cr	858.2Cr	954.4Cr	1.05TCr	1.12TCr
Provision For Loan Losses	174.8Cr	57Cr	88Cr	62Cr	74Cr
Total Revenues	656.1Cr	801.2Cr	866.8Cr	991.5Cr	1.04TCr
Salaries And Other Employee Benefits	-	-	-	-	-
Stock-Based Compensation (IS)	70L	1Cr	2.7Cr	4.3Cr	6.2Cr
Amort. of Goodwill & Intang. Assets	-	-	-	-	-
Occupancy Expense	-	-	-	-	-
Selling General & Admin Expenses, Total	38Cr	36Cr	36Cr	33Cr	7.4Cr
Total Other Non Interest Expense	641Cr	624.4Cr	616.7Cr	609.6Cr	645Cr
Non Interest Expense, Total	679.6Cr	661.5Cr	655.9Cr	647.1Cr	658.6Cr
EBT, Excl. Unusual Items	-24Cr	139.7Cr	210.9Cr	344.4Cr	383.7Cr
Restructuring Charges	-81Cr	-107.8Cr	-9.4Cr	-1.8Cr	-30L
Impairment of Goodwill	-152.1Cr	-	-	-	-
Asset Writedown	-5.7Cr	-21Cr	-1Cr	-2.4Cr	-
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	-262.7Cr	10Cr	200.5Cr	340.2Cr	383.4Cr
Income Tax Expense	26Cr	-25Cr	61Cr	118.8Cr	99Cr
Earnings From Continuing Operations	-289.1Cr	35Cr	139.3Cr	221.4Cr	284.5Cr
Earnings Of Discontinued Operations	3Cr	-	-	-	-
Net Income to Company	-286.1Cr	35Cr	139.3Cr	221.4Cr	284.5Cr
Minority Interest	-90L	7.7Cr	4.2Cr	1Cr	-17Cr
Net Income - (IS)	-287Cr	43Cr	143.5Cr	222.4Cr	267.7Cr
Preferred Dividend and Other Adjustments	4.8Cr	14Cr	19Cr	19Cr	21Cr
Net Income to Common Incl Extra Items	-291.8Cr	29Cr	124.5Cr	203Cr	246.5Cr
Net Income to Common Excl. Extra Items	-294.8Cr	29Cr	124.5Cr	203Cr	246.5Cr
Per Share Items
Net EPS - Basic	-2.33	0.23	0.99	1.63	2.08
Basic EPS - Continuing Operations	-2.35	0.23	0.99	1.63	2.08
Basic Weighted Average Shares Outstanding	125.24Cr	125.24Cr	125.24Cr	124.57Cr	118.75Cr
Net EPS - Diluted	-2.33	0.23	0.99	1.63	2.08
Diluted EPS - Continuing Operations	-2.35	0.23	0.99	1.63	2.08
Diluted Weighted Average Shares Outstanding	125.24Cr	125.24Cr	125.24Cr	124.57Cr	118.75Cr
Normalized Basic EPS	-0.12	0.76	1.09	1.74	1.88
Normalized Diluted EPS	-0.12	0.76	1.09	1.74	1.88
Dividend Per Share	-	-	0.2	0.35	0.65
Payout Ratio	-	-	-	11.24	23.42
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	-10.05	-236.19	30.52	34.92	25.8
Total Current Taxes	21Cr	32Cr	62Cr	63Cr	45Cr
Total Deferred Taxes	5Cr	-56Cr	-40L	56Cr	54Cr
Normalized Net Income	-16Cr	95Cr	136.01Cr	216.25Cr	223.01Cr
Non-Cash Pension Expense	18Cr	15Cr	16Cr	10Cr	9.3Cr
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	70L	1Cr	2.7Cr	4.3Cr	6.2Cr
Total Stock-Based Compensation	70L	1Cr	2.7Cr	4.3Cr	6.2Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	1.06TCr	970.7Cr	5.81TCr	6.58TCr	4.59TCr
Investment Securities, Total	8.11TCr	7.87TCr	6.69TCr	7.43TCr	9.34TCr
Trading Asset Securities, Total	8.04TCr	6.9TCr	5.79TCr	7.14TCr	9.96TCr
Total investments	16TCr	15TCr	12TCr	15TCr	19TCr
Gross Loans	26TCr	27TCr	27TCr	27TCr	28TCr
Allowance For Loan Losses	-304.3Cr	-282.9Cr	-304.3Cr	-387.2Cr	-379.5Cr
Net Loans	26TCr	27TCr	27TCr	27TCr	28TCr
Gross Property Plant And Equipment	630.2Cr	627.6Cr	-	585.2Cr	608.8Cr
Accumulated Depreciation	-309.4Cr	-339.5Cr	-	-350Cr	-384.4Cr
Net Property Plant And Equipment	320.8Cr	288.1Cr	242.6Cr	235.2Cr	224.4Cr
Goodwill	-	-	-	-	-
Other Intangibles, Total	142Cr	124.3Cr	128.9Cr	139.4Cr	178.5Cr
Investment in Real Estate	1.3Cr	4.1Cr	5.7Cr	5.3Cr	32Cr
Accrued Interest Receivable	28Cr	27Cr	26Cr	24Cr	21Cr
Other Receivables	13Cr	22Cr	18Cr	14Cr	22Cr
Restricted Cash	6.5TCr	3.98TCr	1.71TCr	2.73TCr	2.71TCr
Other Current Assets, Total	212.2Cr	91Cr	24Cr	20Cr	32Cr
Deferred Tax Assets Long-Term (Collected)	269.3Cr	313Cr	312.3Cr	250.5Cr	192.9Cr
Other Long-Term Assets, Total	151.8Cr	179.4Cr	209.3Cr	229.8Cr	239Cr
Total Assets	51TCr	47TCr	48TCr	52TCr	55TCr
Liabilities
Accrued Expenses, Total	76Cr	88Cr	101.3Cr	120.5Cr	131.4Cr
Interest Bearing Deposits	37TCr	35TCr	37TCr	41TCr	43TCr
Non-Interest Bearing Deposits	-	-	-	-	-
Total Deposits	37TCr	35TCr	37TCr	41TCr	43TCr
Short-Term Borrowings	5.09TCr	3.87TCr	2.19TCr	1.78TCr	2.29TCr
Current Portion of Long-Term Debt	-	-	-	-	-
Current Portion of Leases	43Cr	43Cr	35Cr	34Cr	31Cr
Long-Term Debt	4.29TCr	4.18TCr	4.18TCr	4.55TCr	5.21TCr
Long-Term Leases	162Cr	150Cr	136Cr	133.6Cr	124.6Cr
Current Income Taxes Payable	45Cr	55Cr	83Cr	54Cr	47Cr
Other Current Liabilities - (Bank / Utility Template)	246.6Cr	211.2Cr	144.3Cr	203.7Cr	153.1Cr
Pension & Other Post Retirement Benefits	51Cr	26Cr	52Cr	66Cr	62Cr
Deferred Tax Liability Non-Current	1Cr	1.3Cr	60L	30L	4.6Cr
Other Non Current Liabilities	450.2Cr	516.1Cr	402.6Cr	461.8Cr	461.5Cr
Total Liabilities	48TCr	44TCr	45TCr	48TCr	52TCr
Common Stock, Total	125.2Cr	125.2Cr	125.2Cr	124Cr	115.4Cr
Retained Earnings	1.26TCr	1.5TCr	1.65TCr	1.8TCr	1.9TCr
Comprehensive Income and Other	1.36TCr	1.26TCr	1.23TCr	1.27TCr	1.43TCr
Total Common Equity	2.75TCr	2.89TCr	3TCr	3.2TCr	3.45TCr
Minority Interest	111.9Cr	98Cr	89Cr	101.6Cr	124.9Cr
Total Equity	2.86TCr	2.98TCr	3.09TCr	3.3TCr	3.57TCr
Total Liabilities And Equity	51TCr	47TCr	48TCr	52TCr	55TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	125.24Cr	125.24Cr	125.24Cr	124.02Cr	118.47Cr
ECS Total Common Shares Outstanding	125.24Cr	125.24Cr	125.24Cr	124.02Cr	118.47Cr
Book Value / Share	21.94	23.04	23.97	25.8	29.1
Tangible Book Value	2.61TCr	2.76TCr	2.87TCr	3.06TCr	3.27TCr
Tangible Book Value Per Share	20.81	22.04	22.94	24.67	27.59
Tangible Book Value Per Share (As Reported)	19.82	20.48	21.58	23.33	25.96
Total Debt	9.59TCr	8.24TCr	6.54TCr	6.49TCr	7.66TCr
Deposits at Interest - Cash	6.5TCr	3.98TCr	1.71TCr	2.73TCr	2.71TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	28Cr	-45Cr	-57Cr	-60Cr	-74Cr
Net Debt	487.7Cr	378.2Cr	-5.07TCr	-7.23TCr	-6.89TCr
Equity Method Investments, Total	17Cr	18Cr	18Cr	14Cr	17Cr
Full Time Employees	47.72T	46.22T	41.91T	42.1T	37.73T
Number Of Offices	1.24T	978	862	801	804
Assets on Operating Lease - Gross	-	-	-	-	92Cr
Assets on Operating Lease - Accumulated Depreciation	-	-	-	-	-55Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	-287Cr	43Cr	143.5Cr	222.4Cr	267.7Cr
Depreciation, Depletion & Amortization	55Cr	52Cr	47Cr	44Cr	45Cr
Amortization of Goodwill and Intangible Assets - (CF)	2.1Cr	20L	40L	10L	90L
Total Depreciation, Depletion & Amortization	57Cr	52Cr	48Cr	44Cr	46Cr
Amortization of Deferred Charges, Total	46Cr	43Cr	41Cr	39Cr	40Cr
Gain (Loss) on Sale of Loans & Receivables - (CF)	-	-	-	-	-
(Gain) Loss On Sale of Asset - (CF)	10L	40L	3.6Cr	1.1Cr	1.2Cr
Total Asset Writedown	6.7Cr	22Cr	1.1Cr	2.5Cr	-
(Income) Loss On Equity Investments - (CF)	-	-	-	-	-
Change in Trading Asset Securities	-1.22TCr	-438Cr	668.3Cr	-2.36TCr	-4.17TCr
Change in Other Net Operating Assets (Collected)	4.66TCr	-3.09TCr	2.26TCr	3.87TCr	1.46TCr
Other Operating Activities	104.7Cr	939Cr	-582Cr	196.8Cr	326.2Cr
Cash from Operations	3.37TCr	-2.43TCr	2.59TCr	2.01TCr	-2.03TCr
Capital Expenditure	-90Cr	-97Cr	-68Cr	-100Cr	-114.6Cr
Sale of Property, Plant, and Equipment	11Cr	28Cr	5.5Cr	5.7Cr	3.5Cr
Cash Acquisitions	-43Cr	-2.4Cr	-6.2Cr	-20L	-26Cr
Divestitures	-20L	-8.5Cr	-3Cr	2.2Cr	5.9Cr
Investment in Marketable and Equity Securities, Total	-	-	-	-	-
Other Investing Activities, Total	-	-	-10L	10L	10L
Cash from Investing	-122.1Cr	-80Cr	-71Cr	-92Cr	-131.3Cr
Long-Term Debt Issued, Total	255.3Cr	-	48Cr	-	124.5Cr
Total Debt Issued	255.3Cr	-	48Cr	-	124.5Cr
Long-Term Debt Repaid, Total	-34Cr	-170.6Cr	-30Cr	-72Cr	-29Cr
Total Debt Repaid	-34Cr	-170.6Cr	-30Cr	-72Cr	-29Cr
Issuance of Common Stock	-	50Cr	-	-	131Cr
Repurchase of Common Stock	-	-	-	-12Cr	-107.2Cr
Common Dividends Paid	-	-	-	-25Cr	-63Cr
Common & Preferred Stock Dividends Paid	-	-	-	-25Cr	-63Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	-	-	-	-	-
Other Financing Activities, Total	-	-10L	-	-	10L
Cash from Financing	220.8Cr	-121.1Cr	18Cr	-109.4Cr	56Cr
Foreign Exchange Rate Adjustments	-22Cr	18Cr	40Cr	-18Cr	94Cr
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	3.44TCr	-2.61TCr	2.57TCr	1.79TCr	-2.01TCr
Supplemental Items
Cash Interest Paid	281Cr	247.7Cr	373.9Cr	899.6Cr	1.28TCr
Cash Income Tax Paid (Refund)	-2.3Cr	33Cr	23Cr	67Cr	54Cr
Net Debt Issued / Repaid	220.8Cr	-170.6Cr	18Cr	-72Cr	95Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	-0.6	0.07	0.29	0.45	0.53
Return On Equity %	-9.78	1.21	4.59	6.93	8.28
Return on Common Equity	-10.4	1.03	4.23	6.54	7.42
Shareholders Value Added	-574.14Cr	-227.26Cr	-203.43Cr	-148.6Cr	-129.97Cr
Margin Analysis
SG&A Margin	5.78	4.51	4.21	3.35	0.71
Net Interest Income / Total Revenues %	76.39	60.78	74.88	84.66	80.36
EBT Excl. Non-Recurring Items Margin %	-3.58	17.44	24.33	34.74	36.81
Income From Continuing Operations Margin %	-44.06	4.41	16.07	22.33	27.3
Net Income Margin %	-43.74	5.37	16.56	22.43	25.68
Net Avail. For Common Margin %	-44.93	3.62	14.36	20.47	23.65
Normalized Net Income Margin	-2.38	11.86	15.69	21.81	21.4
Asset quality
Nonperforming Loans / Total Loans %	1.83	1.55	2.07	1.73	1.91
Nonperforming Loans / Total Assets %	0.95	0.88	1.17	0.91	0.97
Nonperforming Assets / Total Assets %	0.95	0.88	1.17	0.91	0.97
NPAs / Loans and OREO	1.83	1.55	2.07	1.73	1.91
NPAs / Equity	16.76	13.92	18.12	14.33	15.13
Allowance for Credit Losses / Net Charge-offs %	-	-	-	-	-
Allowance for Credit Losses / Nonperforming Loans %	63.5	68.14	54.33	81.86	70.23
Allowance for Credit Losses / Total Loans %	1.16	1.05	1.12	1.42	1.34
Provision for Loan Losses / Net Charge-offs %	-	-	-	-	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.84	5.75	6.23	6.24	6.2
Total Average Equity / Total Average Assets %	6.09	5.96	6.43	6.43	6.41
Total Equity + Allowance for Loan Losses / Total Loans %	11.67	11.81	12.21	13.14	13.52
Gross Loans / Total Deposits %	69.96	76.24	72.52	66.57	65.25
Net Loans / Total Deposits %	69.15	75.44	71.7	65.62	64.37
Tier 1 Capital Ratio %	15	15.5	16	16.5	17.6
Total Capital Ratio %	17.7	18.4	18.9	19.3	20.9
Core Tier 1 Capital Ratio	13.2	13.6	14.1	14.7	15.1
Tier 2 Capital Ratio	2.7	2.84	2.85	2.86	3.29
Interbank Ratio	43.95	40.84	99.78	92.98	70.63
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	-0.01	1.04	1.52	1.34	1.3
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-1.8	-2.83	33.29	29.32	-0.21
Non Interest Income, 1 Yr. Growth %	-10.92	12.59	-17.55	-29.94	30.43
Provision For Loan Losses, 1 Yr. Growth %	181.94	-67.39	53.68	-29.45	20.23
Total Revenues, 1 Yr. Growth %	-19.84	22.12	8.31	14.39	5.12
Earnings From Cont. Operations, 1 Yr. Growth %	-511.24	-112.21	294.62	58.94	28.5
Net Income, 1 Yr. Growth %	-590.6	-114.98	233.72	54.98	20.37
Normalized Net Income, 1 Yr. Growth %	-122.82	-732.36	43.15	58.99	3.13
Diluted EPS Before Extra, 1 Yr. Growth %	-588.89	-109.84	329.31	63.92	27.38
Dividend Per Share, 1 Yr. Growth %	-	-	-	75	85.71
Gross Loans, 1 Yr. Growth %	-0.37	2.37	0.94	0.62	3.64
Allowance For Loan Losses, 1 Yr. Growth %	44.15	-7.03	7.56	5.62	-1.99
Net Loans, 1 Yr. Growth %	-0.74	2.48	0.87	0.55	3.72
Non Performing Loans, 1 Yr. Growth %	28.3	-13.36	34.9	-15.55	14.25
Non Performing Assets, 1 Yr. Growth %	28.3	-13.36	34.9	-15.55	14.25
Total Assets, 1 Yr. Growth %	9.38	-6.63	2.15	8.32	7.25
Total Deposits, 1 Yr Growth %	13.71	-5.88	6.12	9.86	5.74
Tangible Book Value, 1 Yr. Growth %	-0.35	6.04	4.05	6.41	6.81
Common Equity, 1 Yr. Growth %	-5.9	5.08	4.04	6.48	7.74
Total Equity, 1 Yr. Growth %	-6.23	4.38	3.61	6.71	8.21
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	2.37	-2.32	13.8	31.29	13.6
Non Interest Income, 2 Yr. CAGR %	-8.24	0.15	-3.77	-24	-4.4
Provision For Loan Losses, 2 Yr. CAGR %	97.97	-4.12	-29.21	4.13	-7.9
Total Revenues, 2 Yr. CAGR %	-10.84	-1.06	14.94	11.31	9.66
Earnings From Cont. Operations, 2 Yr. CAGR %	72.28	-29.14	-30.59	150.44	42.91
Net Income, 2 Yr. CAGR %	82.47	-14.27	-29.29	127.42	36.58
Normalized Net Income, 2 Yr. CAGR %	-51.92	17.93	200.87	50.86	28.05
Diluted EPS Before Extra, 2 Yr. CAGR %	83.87	-30.65	-35.01	165.28	44.5
Dividend Per Share, 2 Yr. CAGR %	-	-	-	-	80.28
Gross Loans, 2 Yr. CAGR %	2.38	1.09	1.65	0.89	2.12
Allowance For Loan Losses, 2 Yr. CAGR %	20.87	15.76	0	16.99	1.74
Net Loans, 2 Yr. CAGR %	2.21	0.96	1.67	0.71	2.12
Non Performing Loans, 2 Yr. CAGR %	12.76	5.43	8.11	6.73	-1.77
Non Performing Assets, 2 Yr. CAGR %	12.76	5.43	8.11	6.73	-1.77
Total Assets, 2 Yr. CAGR %	4.7	1.03	-2.92	5.19	7.78
Total Deposits, 2 Yr CAGR %	7.7	3.46	-0.06	7.98	7.78
Tangible Book Value, 2 Yr. CAGR %	2.16	2.75	5.04	5.28	6.61
Common Equity, 2 Yr. CAGR %	-1.31	-0.61	4.56	5.3	7.11
Total Equity, 2 Yr. CAGR %	-1.39	-1.11	4	5.2	7.45
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	4.42	0.6	8.34	18.76	19.81
Non Interest Income, 3 Yr. CAGR %	-10.34	-1.77	-6.21	-13.43	-9.01
Provision For Loan Losses, 3 Yr. CAGR %	30.81	8.52	12.21	-29.29	9.24
Total Revenues, 3 Yr. CAGR %	-7.15	-0.98	1.93	14.76	9.21
Earnings From Cont. Operations, 3 Yr. CAGR %	184.16	-28.7	25.6	-8.51	100.49
Net Income, 3 Yr. CAGR %	181.98	-20.69	34.86	-8.15	83.96
Normalized Net Income, 3 Yr. CAGR %	-37.48	12.11	25.8	143.25	32.9
Diluted EPS Before Extra, 3 Yr. CAGR %	351.64	-30.72	27.34	-11.54	107.73
Dividend Per Share, 3 Yr. CAGR %	-	-	-	-	-
Gross Loans, 3 Yr. CAGR %	3.75	2.44	1.04	1.38	1.8
Allowance For Loan Losses, 3 Yr. CAGR %	12.82	10.74	12.96	8.36	10.29
Net Loans, 3 Yr. CAGR %	3.66	2.37	0.93	1.3	1.7
Non Performing Loans, 3 Yr. CAGR %	-	3.28	14.46	-0.43	9.18
Non Performing Assets, 3 Yr. CAGR %	-	3.28	14.46	-0.43	9.18
Total Assets, 3 Yr. CAGR %	3.96	0.76	1	0.69	5.87
Total Deposits, 3 Yr CAGR %	-	2.97	4.34	3.15	7.23
Tangible Book Value, 3 Yr. CAGR %	2.24	3.4	3.18	5.53	5.79
Common Equity, 3 Yr. CAGR %	-0.24	0.74	0.92	5.23	6.11
Total Equity, 3 Yr. CAGR %	-0.26	0.47	0.44	4.93	6.19
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-2.63	2.38	8.08	11.91	10.41
Non Interest Income, 5 Yr. CAGR %	-4.74	-6.64	-7.77	-11.39	-5.49
Provision For Loan Losses, 5 Yr. CAGR %	20.22	-8.73	2.32	6.74	3.69
Total Revenues, 5 Yr. CAGR %	-6.61	-1.55	1.13	3.74	4.95
Earnings From Cont. Operations, 5 Yr. CAGR %	19.25	-1.57	61.7	17.85	32.26
Net Income, 5 Yr. CAGR %	21.5	9.04	62.15	20.87	35.55
Normalized Net Income, 5 Yr. CAGR %	-32.47	4.11	16.35	26.25	26.7
Diluted EPS Before Extra, 5 Yr. CAGR %	21.29	0.78	107.97	18.54	33.94
Dividend Per Share, 5 Yr. CAGR %	-	-	-	11.84	-
Gross Loans, 5 Yr. CAGR %	3.76	-0.47	2.95	1.82	1.51
Allowance For Loan Losses, 5 Yr. CAGR %	-5.06	-5.37	7.51	13.2	12.45
Net Loans, 5 Yr. CAGR %	3.9	-0.4	2.9	1.7	1.4
Non Performing Loans, 5 Yr. CAGR %	-7.62	-9.7	-	4.65	7.67
Non Performing Assets, 5 Yr. CAGR %	-7.62	-9.7	-	4.65	7.67
Total Assets, 5 Yr. CAGR %	-0.99	-0.31	1.14	2.26	3.66
Total Deposits, 5 Yr CAGR %	8.14	2.23	-	4.94	5.7
Tangible Book Value, 5 Yr. CAGR %	0.36	1.6	3.33	4.15	4.56
Common Equity, 5 Yr. CAGR %	-1.15	0.21	1.63	2.54	3.37
Total Equity, 5 Yr. CAGR %	-1.03	0.17	1.41	2.33	3.21