Income Statement Nations Trust Bank PLC

Stocks

NTB.N0000

LK0309N00001

Banks

End-of-day quote Colombo S.E.
- ^LKR	-

08/09	Nations Trust Bank plc Appoints Ananda Jayawardana as Board Audit Review Committee, Effective September 7, 2026	CI
13/08	Nations Trust Bank PLC Reports Earnings Results for the Second Quarter and Six Months Ended June 30, 2026	CI

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Published financial data: NATIONS TRUST BANK PLC

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021 (LKR)	2022 (LKR)	2023 (LKR)	2024 (LKR)	2025 (LKR)
Interest Income On Loans	2.87TCr	5.43TCr	7.06TCr	6.4TCr	7.03TCr
Interest Income, Total	2.87TCr	5.43TCr	7.06TCr	6.4TCr	7.03TCr
Interest On Deposits	1.46TCr	2.5TCr	3.56TCr	2.81TCr	3.16TCr
Interest Expense, Total	1.46TCr	2.5TCr	3.56TCr	2.81TCr	3.16TCr
Net Interest Income	1.41TCr	2.93TCr	3.5TCr	3.59TCr	3.88TCr
Income From Trading Activities	247.24Cr	1.42TCr	-126.71Cr	-171.15Cr	453.64Cr
Gain (Loss) on Sale of Assets	2L	-1L	41.59L	-2.47Cr	27.6L
Gain (Loss) on Sale of Invest. & Securities - (Rev)	51Cr	4.41Cr	47Cr	-313.59Cr	245.7Cr
Total Other Non Interest Income	621Cr	-471.09Cr	1.09TCr	1.34TCr	642.53Cr
Non Interest Income, Total	919.17Cr	956.64Cr	1.01TCr	848.65Cr	1.34TCr
Revenues Before Provison For Loan Losses	2.33TCr	3.89TCr	4.5TCr	4.44TCr	5.22TCr
Provision For Loan Losses	374.22Cr	1.38TCr	750Cr	-319.64Cr	-11Cr
Total Revenues	1.95TCr	2.5TCr	3.75TCr	4.76TCr	5.23TCr
Salaries And Other Employee Benefits	461.97Cr	599.94Cr	728.38Cr	846.04Cr	943.36Cr
Amort. of Goodwill & Intang. Assets	34Cr	28Cr	33Cr	33Cr	32Cr
Occupancy Expense	83Cr	73Cr	64Cr	63Cr	72Cr
Selling General & Admin Expenses, Total	9.55Cr	12Cr	31Cr	25Cr	36Cr
Total Other Non Interest Expense	522.53Cr	745.18Cr	1.07TCr	1.22TCr	1.31TCr
Non Interest Expense, Total	1.11TCr	1.46TCr	1.92TCr	2.19TCr	2.39TCr
EBT, Excl. Unusual Items	841.99Cr	1.04TCr	1.83TCr	2.57TCr	2.84TCr
EBT, Incl. Unusual Items	841.99Cr	1.04TCr	1.83TCr	2.57TCr	2.84TCr
Income Tax Expense	172.63Cr	321.72Cr	683.7Cr	893.41Cr	914.5Cr
Earnings From Continuing Operations	669.35Cr	722.8Cr	1.15TCr	1.68TCr	1.93TCr
Net Income to Company	669.35Cr	722.8Cr	1.15TCr	1.68TCr	1.93TCr
Net Income - (IS)	669.35Cr	722.8Cr	1.15TCr	1.68TCr	1.93TCr
Net Income to Common Incl Extra Items	669.35Cr	722.8Cr	1.15TCr	1.68TCr	1.93TCr
Net Income to Common Excl. Extra Items	669.35Cr	722.8Cr	1.15TCr	1.68TCr	1.93TCr
Per Share Items
Net EPS - Basic	20.04	21.65	34.37	50.38	57.26
Basic EPS - Continuing Operations	20.04	21.65	34.37	50.38	57.26
Basic Weighted Average Shares Outstanding	33Cr	33Cr	33Cr	33Cr	34Cr
Net EPS - Diluted	20.04	21.65	34.37	50.38	57.26
Diluted EPS - Continuing Operations	20.04	21.65	34.37	50.38	57.26
Diluted Weighted Average Shares Outstanding	33Cr	33Cr	33Cr	33Cr	34Cr
Normalized Basic EPS	15.76	19.56	34.28	48.23	52.78
Normalized Diluted EPS	15.76	19.56	34.28	48.23	52.78
Dividend Per Share	-	-	2.39	3.18	3.47
Payout Ratio	8.16	0	1.57	5.47	6.33
Supplemental Items
Effective Tax Rate - (Ratio)	20.5	30.8	37.34	34.71	32.2
Current Domestic Taxes	-	-	-	-	-
Total Current Taxes	288.65Cr	669.35Cr	783.55Cr	-	-
Deferred Domestic Taxes	-	-	-	-	-
Total Deferred Taxes	-116.01Cr	-347.63Cr	-100Cr	-	-
Normalized Net Income	526.24Cr	652.83Cr	1.14TCr	1.61TCr	1.78TCr
Non-Cash Pension Expense	5.59Cr	9.45Cr	18Cr	14Cr	16Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	-	-	16Cr	10Cr	17Cr
Total Stock-Based Compensation	-	-	16Cr	10Cr	17Cr

Fiscal Period: December	2021 (LKR)	2022 (LKR)	2023 (LKR)	2024 (LKR)	2025 (LKR)
Assets
Cash And Equivalents	1.35TCr	5.87TCr	4.12TCr	2.08TCr	1.99TCr
Investment Securities, Total	9.59TCr	9.03TCr	14TCr	17TCr	18TCr
Trading Asset Securities, Total	662.34Cr	383.65Cr	1.09TCr	1.74TCr	1.22TCr
Total investments	10TCr	9.41TCr	15TCr	19TCr	20TCr
Gross Loans	27TCr	27TCr	30TCr	31TCr	46TCr
Allowance For Loan Losses	-1.1TCr	-1.88TCr	-2.08TCr	-2.07TCr	-1.99TCr
Other Adjustments to Gross Loans	-1.35TCr	-897.39Cr	-728.45Cr	-648.31Cr	-770.73Cr
Net Loans	25TCr	24TCr	27TCr	29TCr	43TCr
Gross Property Plant And Equipment	977.65Cr	1.04TCr	1.08TCr	1.17TCr	1.28TCr
Accumulated Depreciation	-512.7Cr	-558.36Cr	-603.66Cr	-631.14Cr	-617.89Cr
Net Property Plant And Equipment	464.95Cr	480.67Cr	472.95Cr	536.79Cr	665.07Cr
Other Intangibles, Total	117.52Cr	128.57Cr	135.39Cr	140.89Cr	178.3Cr
Other Receivables	116.39Cr	207.58Cr	126.21Cr	115.24Cr	89Cr
Restricted Cash	681.32Cr	607.43Cr	170.32Cr	118.35Cr	204.58Cr
Other Current Assets, Total	34Cr	65Cr	130.51Cr	304.3Cr	68Cr
Deferred Tax Assets Long-Term (Collected)	61Cr	377.18Cr	314.39Cr	86Cr	85Cr
Deferred Charges Long-Term	54Cr	67Cr	81Cr	77Cr	87Cr
Other Long-Term Assets, Total	75Cr	152.89Cr	4.38TCr	3.52TCr	3.96TCr
Total Assets	38TCr	41TCr	52TCr	55TCr	70TCr
Liabilities
Accounts Payable, Total	308.22Cr	443.96Cr	563.32Cr	574.56Cr	573.33Cr
Accrued Expenses, Total	18Cr	26Cr	41Cr	52Cr	66Cr
Interest Bearing Deposits	24TCr	27TCr	31TCr	35TCr	46TCr
Non-Interest Bearing Deposits	3.32TCr	2.95TCr	3.47TCr	3.82TCr	4.14TCr
Total Deposits	27TCr	30TCr	35TCr	39TCr	50TCr
Short-Term Borrowings	697.48Cr	186.26Cr	4.97TCr	2.73TCr	4.03TCr
Current Portion of Long-Term Debt	448.54Cr	772.29Cr	952.04Cr	1.97TCr	2.69TCr
Current Portion of Leases	-	-	-	-	55Cr
Long-Term Debt	4.59TCr	4.06TCr	2.29TCr	1.35TCr	784.5Cr
Long-Term Leases	140.2Cr	142.67Cr	135.36Cr	143.51Cr	115.42Cr
Current Income Taxes Payable	246.07Cr	524.28Cr	566.72Cr	464.02Cr	563.21Cr
Deferred Tax Liability Current	-	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	46Cr	22Cr	98Cr	28Cr	55Cr
Pension & Other Post Retirement Benefits	73Cr	77Cr	98Cr	116.41Cr	136.56Cr
Deferred Tax Liability Non-Current	-	-	-	-	-
Other Non Current Liabilities	521.44Cr	693.91Cr	941.18Cr	669.59Cr	798.68Cr
Total Liabilities	34TCr	37TCr	46TCr	47TCr	60TCr
Common Stock, Total	940.81Cr	1.04TCr	1.14TCr	1.21TCr	1.3TCr
Retained Earnings	3TCr	3.43TCr	4.44TCr	5.95TCr	7.66TCr
Comprehensive Income and Other	80Cr	138.38Cr	529.2Cr	784.39Cr	728.38Cr
Total Common Equity	4.02TCr	4.6TCr	6.11TCr	7.95TCr	9.69TCr
Total Equity	4.02TCr	4.6TCr	6.11TCr	7.95TCr	9.69TCr
Total Liabilities And Equity	38TCr	41TCr	52TCr	55TCr	70TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	33Cr	33Cr	33Cr	33Cr	33Cr
ECS Total Common Shares Outstanding	33Cr	33Cr	33Cr	33Cr	33Cr
Book Value / Share	120.44	138.08	183.32	238.36	290.66
Tangible Book Value	3.9TCr	4.48TCr	5.98TCr	7.81TCr	9.51TCr
Tangible Book Value Per Share	116.91	134.22	179.26	234.13	285.32
Total Debt	5.88TCr	5.16TCr	8.35TCr	6.19TCr	7.67TCr
Deposits at Interest - Cash	1.05TCr	5.26TCr	2.7TCr	873.58Cr	578.85Cr
Debt Equivalent of Unfunded Proj. Benefit Obligation	84Cr	95Cr	125.09Cr	146.93Cr	166.88Cr
Net Debt	3.56TCr	-1.25TCr	2.99TCr	2.13TCr	4.26TCr
Full Time Employees	2.27T	2.16T	2.24T	2.28T	2.21T
Number Of Offices	96	96	96	95	90

Fiscal Period: December	2021 (LKR)	2022 (LKR)	2023 (LKR)	2024 (LKR)	2025 (LKR)
Net Income	669.35Cr	722.8Cr	1.15TCr	1.68TCr	1.93TCr
Depreciation, Depletion & Amortization	83Cr	73Cr	65Cr	63Cr	72Cr
Amortization of Goodwill and Intangible Assets - (CF)	-	-	-	-	-
Total Depreciation, Depletion & Amortization	83Cr	73Cr	65Cr	63Cr	72Cr
Amortization of Deferred Charges, Total	34Cr	28Cr	33Cr	33Cr	32Cr
(Gain) Loss On Sale of Asset - (CF)	-2L	1L	-41.59L	2.47Cr	-27.6L
(Gain) Loss on Sale of Investments - (CF)	44Cr	374.55Cr	204.96Cr	-589.7Cr	-316.45Cr
Total Asset Writedown	1T	-	-	-	-
Provision for Credit Losses	299.08Cr	982.99Cr	565.17Cr	176.05Cr	20Cr
Change in Trading Asset Securities	97Cr	3.73TCr	-5.32TCr	-2.54TCr	-
Change in Other Net Operating Assets (Collected)	-3.72TCr	-687.59Cr	-2.38TCr	-3.38TCr	-11TCr
Other Operating Activities	289.71Cr	2.48TCr	-227.73Cr	-712.91Cr	693.2Cr
Cash from Operations	-2.2TCr	7.7TCr	-5.92TCr	-5.26TCr	-8.8TCr
Capital Expenditure	-5.26Cr	-28Cr	-26Cr	-46Cr	-122.5Cr
Sale of Property, Plant, and Equipment	3L	8T	82.57L	31.41L	38.69L
Purchase / Sale of Intangible Assets	-29Cr	-39Cr	-40Cr	-62Cr	-79Cr
Investment in Marketable and Equity Securities, Total	-	-	-	-	-1.68TCr
Cash from Investing	-34Cr	-67Cr	-65Cr	-107.63Cr	-1.88TCr
Long-Term Debt Issued, Total	1.08TCr	105.5Cr	135.17Cr	101.86Cr	93Cr
Total Debt Issued	1.08TCr	105.5Cr	135.17Cr	101.86Cr	93Cr
Long-Term Debt Repaid, Total	-545.2Cr	-2.22TCr	-1.71TCr	-1.09TCr	-134.38Cr
Total Debt Repaid	-545.2Cr	-2.22TCr	-1.71TCr	-1.09TCr	-134.38Cr
Issuance of Common Stock	-	-	-	-	-
Common Dividends Paid	-55Cr	-2L	-18Cr	-92Cr	-121.89Cr
Common & Preferred Stock Dividends Paid	-55Cr	-2L	-18Cr	-92Cr	-121.89Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	2.85TCr	-1.09TCr	6TCr	4.62TCr	11TCr
Other Financing Activities, Total	-165.05Cr	-139.77Cr	-125.17Cr	-95Cr	-61Cr
Cash from Financing	3.17TCr	-3.34TCr	4.27TCr	3.44TCr	10TCr
Foreign Exchange Rate Adjustments	-	-	-	-	50Cr
Miscellaneous Cash Flow Adjustments	-	-	1T	-	-
Net Change in Cash	933.79Cr	4.28TCr	-1.71TCr	-1.92TCr	-297.41Cr
Supplemental Items
Cash Interest Paid	1.55TCr	2.05TCr	3.65TCr	2.91TCr	2.58TCr
Cash Income Tax Paid (Refund)	174.6Cr	391.14Cr	742.56Cr	873.8Cr	788.73Cr
Net Debt Issued / Repaid	537.46Cr	-2.12TCr	-1.58TCr	-989.01Cr	-41Cr

Fiscal Period: December	2021 (LKR)	2022 (LKR)	2023 (LKR)	2024 (LKR)	2025 (LKR)
Profitability
Return on Assets	1.87	1.82	2.46	3.17	3.09
Return On Equity %	17.78	16.77	21.41	23.9	21.84
Return on Common Equity	17.78	16.77	21.41	23.9	21.84
Shareholders Value Added	217.65Cr	205.61Cr	504.09Cr	836.62Cr	867.45Cr
Margin Analysis
SG&A Margin	28.39	27.37	21.96	19.63	20.09
Net Interest Income / Total Revenues %	72.09	117.09	93.12	75.46	74.14
EBT Excl. Non-Recurring Items Margin %	43.12	41.74	48.78	54.07	54.3
Income From Continuing Operations Margin %	34.28	28.88	30.56	35.3	36.82
Net Income Margin %	34.28	28.88	30.56	35.3	36.82
Net Avail. For Common Margin %	34.28	28.88	30.56	35.3	36.82
Normalized Net Income Margin	26.95	26.09	30.49	33.79	33.94
Asset quality
Nonperforming Loans / Total Loans %	5.52	7.25	7.23	6.08	3.8
Nonperforming Loans / Total Assets %	3.95	4.7	4.19	3.51	2.48
Nonperforming Assets / Total Assets %	3.95	4.7	4.19	3.51	2.48
NPAs / Loans and OREO	5.52	7.25	7.23	6.08	3.8
NPAs / Equity	37.36	42.39	35.35	24.08	17.94
Allowance for Credit Losses / Net Charge-offs %	-9.58T	1.23T	805.25	2.63T	5.54T
Allowance for Credit Losses / Nonperforming Loans %	73.5	96.49	96.36	108.3	114.37
Allowance for Credit Losses / Total Loans %	4.05	7	6.96	6.59	4.34
Provision for Loan Losses / Net Charge-offs %	-3.25T	906.52	290.08	-405.54	-29.59
Capital And Funding
Total Average Common Equity / Total Average Assets %	10.49	10.85	11.51	13.24	14.16
Total Average Equity / Total Average Assets %	10.49	10.85	11.51	13.24	14.16
Total Equity + Allowance for Loan Losses / Total Loans %	18.82	24.11	27.4	31.85	25.5
Gross Loans / Total Deposits %	101.31	89.86	85.83	81.67	90.73
Net Loans / Total Deposits %	92.16	80.57	77.77	74.61	85.26
Tier 1 Capital Ratio %	15.31	14.76	18.14	21.47	19.61
Total Capital Ratio %	18.01	16.86	19.68	22.66	20.72
Core Tier 1 Capital Ratio	15.31	14.76	18.14	21.47	19.61
Tier 2 Capital Ratio	2.69	2.1	1.55	1.18	1.11
Coverage Ratio	73.5	96.49	96.36	108.3	114.37
Interbank Ratio	9.41	135.49	42.84	24.8	3.27
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.58	1.42	1.51	1.92	1.9
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	2.97	108.14	19.28	2.76	7.97
Non Interest Income, 1 Yr. Growth %	30.83	4.08	5.38	-15.82	58.15
Provision For Loan Losses, 1 Yr. Growth %	-2.72	269.9	-45.82	-142.62	-96.67
Total Revenues, 1 Yr. Growth %	15.88	28.15	49.98	26.82	9.89
Earnings From Cont. Operations, 1 Yr. Growth %	65.07	7.99	58.7	46.48	14.61
Net Income, 1 Yr. Growth %	65.07	7.99	58.7	46.48	14.61
Normalized Net Income, 1 Yr. Growth %	38.97	24.05	75.27	40.58	10.36
Diluted EPS Before Extra, 1 Yr. Growth %	65.07	7.99	58.7	46.48	14.62
Dividend Per Share, 1 Yr. Growth %	-	-	-	32.69	9.23
Gross Loans, 1 Yr. Growth %	19.95	-1.09	11.15	5.19	45.58
Allowance For Loan Losses, 1 Yr. Growth %	28.57	70.74	10.57	-0.45	-4.04
Net Loans, 1 Yr. Growth %	17.72	-2.51	12.31	6.06	49.76
Non Performing Loans, 1 Yr. Growth %	-38.95	30.07	10.72	-11.43	-9.14
Non Performing Assets, 1 Yr. Growth %	-38.95	30.07	10.72	-11.43	-9.14
Total Assets, 1 Yr. Growth %	12.3	9.32	24.39	5.71	28.36
Total Deposits, 1 Yr Growth %	11.22	11.52	16.36	10.55	31.05
Tangible Book Value, 1 Yr. Growth %	14.99	14.8	33.55	30.61	21.86
Common Equity, 1 Yr. Growth %	14.33	14.65	32.77	30.02	21.94
Total Equity, 1 Yr. Growth %	14.33	14.65	32.77	30.02	21.94
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-6.59	46.39	57.57	10.71	5.33
Non Interest Income, 2 Yr. CAGR %	19.68	16.69	4.72	-5.81	15.39
Provision For Loan Losses, 2 Yr. CAGR %	6.48	89.7	41.57	-51.95	-88.1
Total Revenues, 2 Yr. CAGR %	0.71	21.86	38.64	37.91	18.05
Earnings From Cont. Operations, 2 Yr. CAGR %	34.26	33.51	30.91	52.47	29.57
Net Income, 2 Yr. CAGR %	34.26	33.51	30.91	52.47	29.57
Normalized Net Income, 2 Yr. CAGR %	20.66	31.3	47.46	56.97	24.56
Diluted EPS Before Extra, 2 Yr. CAGR %	34.27	33.55	30.92	52.52	29.03
Dividend Per Share, 2 Yr. CAGR %	-	-	-	-	20.39
Gross Loans, 2 Yr. CAGR %	5.25	8.92	4.85	8.13	23.75
Allowance For Loan Losses, 2 Yr. CAGR %	20.59	48.16	37.4	4.92	-2.26
Net Loans, 2 Yr. CAGR %	4.45	7.13	4.64	9.14	26.03
Non Performing Loans, 2 Yr. CAGR %	-23.24	-10.89	20.01	-0.97	-10.29
Non Performing Assets, 2 Yr. CAGR %	-23.24	-10.89	20.01	-0.97	-10.29
Total Assets, 2 Yr. CAGR %	8.01	10.8	16.61	14.67	16.48
Total Deposits, 2 Yr CAGR %	8.63	11.37	13.91	13.42	20.36
Tangible Book Value, 2 Yr. CAGR %	13.96	14.9	23.82	32.07	26.16
Common Equity, 2 Yr. CAGR %	13.1	14.49	23.37	31.39	25.92
Total Equity, 2 Yr. CAGR %	13.1	14.49	23.37	31.39	25.92
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-2.45	22	36.73	36.64	9.79
Non Interest Income, 3 Yr. CAGR %	14.36	14.23	12.79	-2.63	11.95
Provision For Loan Losses, 3 Yr. CAGR %	4.56	61.26	24.93	-5.12	-80.27
Total Revenues, 3 Yr. CAGR %	2.68	9.14	30.59	34.58	27.86
Earnings From Cont. Operations, 3 Yr. CAGR %	21.83	24.86	41.43	35.91	38.63
Net Income, 3 Yr. CAGR %	21.83	24.86	41.43	35.91	38.63
Normalized Net Income, 3 Yr. CAGR %	12.85	21.78	44.57	45.13	39.58
Diluted EPS Before Extra, 3 Yr. CAGR %	22.53	24.89	41.46	35.94	38.28
Dividend Per Share, 3 Yr. CAGR %	-	-	12.1	-	-
Gross Loans, 3 Yr. CAGR %	4.38	3.09	9.66	4.97	19.4
Allowance For Loan Losses, 3 Yr. CAGR %	24.19	35.41	34.39	23.41	1.84
Net Loans, 3 Yr. CAGR %	3.76	2.08	8.83	5.11	21.28
Non Performing Loans, 3 Yr. CAGR %	-11.99	-8.49	-4.2	8.45	-3.77
Non Performing Assets, 3 Yr. CAGR %	-11.99	-8.49	-4.2	8.45	-3.77
Total Assets, 3 Yr. CAGR %	5.31	8.44	15.16	12.86	19.06
Total Deposits, 3 Yr CAGR %	5.06	9.59	13.01	12.78	19.02
Tangible Book Value, 3 Yr. CAGR %	14.82	14.24	20.81	26.05	28.58
Common Equity, 3 Yr. CAGR %	14.07	13.61	20.28	25.55	28.16
Total Equity, 3 Yr. CAGR %	14.07	13.61	20.28	25.55	28.16
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	7.54	19.73	18.18	17.36	23.18
Non Interest Income, 5 Yr. CAGR %	18.55	13.83	10.4	5.75	13.82
Provision For Loan Losses, 5 Yr. CAGR %	40.65	66.28	18.03	-0.64	-51.21
Total Revenues, 5 Yr. CAGR %	8.43	9.6	15.79	19.85	25.43
Earnings From Cont. Operations, 5 Yr. CAGR %	18.46	16.48	25.38	35.24	36.56
Net Income, 5 Yr. CAGR %	18.46	16.48	25.38	35.24	36.56
Normalized Net Income, 5 Yr. CAGR %	14.17	14.13	25.59	34.8	36.21
Diluted EPS Before Extra, 5 Yr. CAGR %	14.72	13.6	25.83	35.29	36.37
Dividend Per Share, 5 Yr. CAGR %	-	-	-	10.2	15.35
Gross Loans, 5 Yr. CAGR %	11.13	6.08	4.57	5.08	15.09
Allowance For Loan Losses, 5 Yr. CAGR %	31	42.12	29.31	22.27	18.32
Net Loans, 5 Yr. CAGR %	10.56	5.25	4.11	4.85	15.41
Non Performing Loans, 5 Yr. CAGR %	30.4	29.66	-0.37	-5.55	-6.68
Non Performing Assets, 5 Yr. CAGR %	30.4	29.66	-0.37	-5.55	-6.68
Total Assets, 5 Yr. CAGR %	12.44	9.17	9.69	10.89	15.68
Total Deposits, 5 Yr CAGR %	12.11	9.02	8.51	11.1	15.89
Tangible Book Value, 5 Yr. CAGR %	19.3	17.11	18.34	21.06	22.92
Common Equity, 5 Yr. CAGR %	18.32	16.48	17.7	20.41	22.51
Total Equity, 5 Yr. CAGR %	18.32	16.48	17.7	20.41	22.51