Cash flow Société Générale

Equities

GLE

FR0000130809

Banks

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Published financial data: SOCIÉTÉ GÉNÉRALE

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	2.06TCr	2.88TCr	5.31TCr	5.5TCr	4.36TCr
Interest Income, Total	2.06TCr	2.88TCr	5.31TCr	5.5TCr	4.36TCr
Interest On Deposits	987.2Cr	1.76TCr	4.28TCr	4.51TCr	3.36TCr
Interest Expense, Total	987.2Cr	1.76TCr	4.28TCr	4.51TCr	3.36TCr
Net Interest Income	1.07TCr	1.13TCr	1.03TCr	989.2Cr	1.01TCr
Gain (Loss) on Sale of Assets	62Cr	-335.7Cr	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-	-	-	-	-
Total Other Non Interest Income	1.51TCr	1.68TCr	1.48TCr	1.69TCr	1.72TCr
Non Interest Income, Total	1.57TCr	1.34TCr	1.48TCr	1.69TCr	1.72TCr
Revenues Before Provison For Loan Losses	2.64TCr	2.47TCr	2.51TCr	2.68TCr	2.73TCr
Provision For Loan Losses	70Cr	164.7Cr	102.5Cr	153Cr	147.7Cr
Total Revenues	2.57TCr	2.31TCr	2.41TCr	2.53TCr	2.58TCr
Salaries And Other Employee Benefits	956.7Cr	985.6Cr	-	-	-
Stock-Based Compensation (IS)	-	-	25Cr	24Cr	38Cr
Occupancy Expense	164.5Cr	156.9Cr	167.5Cr	165.1Cr	159.7Cr
Selling General & Admin Expenses, Total	52Cr	54Cr	45Cr	51Cr	46Cr
(Income) Loss on Equity Invest.	-60L	-1.5Cr	-2.4Cr	-2.1Cr	-1.8Cr
Total Other Non Interest Expense	584.7Cr	659.4Cr	1.63TCr	1.61TCr	1.49TCr
Non Interest Expense, Total	1.76TCr	1.85TCr	1.86TCr	1.85TCr	1.73TCr
EBT, Excl. Unusual Items	814.9Cr	450.7Cr	546.6Cr	680.7Cr	845.8Cr
Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-11Cr	-	-34Cr	-	-
Asset Writedown	-	-	-	-	-
Legal Settlements	-	-	-	-	-
Other Unusual Items	-	-	-	-7.7Cr	34Cr
EBT, Incl. Unusual Items	803.5Cr	450.7Cr	512.8Cr	673Cr	880.3Cr
Income Tax Expense	169.7Cr	156Cr	167.9Cr	160.1Cr	177.1Cr
Earnings From Continuing Operations	633.8Cr	294.7Cr	344.9Cr	512.9Cr	703.2Cr
Net Income to Company	633.8Cr	294.7Cr	344.9Cr	512.9Cr	703.2Cr
Minority Interest	-70Cr	-93Cr	-96Cr	-93Cr	-103Cr
Net Income - (IS)	564.1Cr	201.8Cr	249.3Cr	420Cr	600.2Cr
Preferred Dividend and Other Adjustments	59Cr	60Cr	76Cr	72Cr	72Cr
Net Income to Common Incl Extra Items	505.1Cr	142.2Cr	173.5Cr	348Cr	528.2Cr
Net Income to Common Excl. Extra Items	505.1Cr	142.2Cr	173.5Cr	348Cr	528.2Cr
Per Share Items
Net EPS - Basic	5.97	1.73	2.17	4.38	6.8
Basic EPS - Continuing Operations	5.97	1.73	2.17	4.38	6.8
Basic Weighted Average Shares Outstanding	85Cr	82Cr	80Cr	80Cr	78Cr
Net EPS - Diluted	5.97	1.73	2.17	4.38	6.8
Diluted EPS - Continuing Operations	5.97	1.73	2.17	4.38	6.8
Diluted Weighted Average Shares Outstanding	85Cr	82Cr	80Cr	80Cr	78Cr
Normalized Basic EPS	5.19	2.3	3.08	4.18	5.48
Normalized Diluted EPS	5.19	2.3	3.08	4.18	5.48
Dividend Per Share	1.65	1.7	0.9	1.09	1.61
Payout Ratio	8.3	67.94	54.63	17.12	21.91
American Depositary Receipts Ratio (ADR)	0.2	0.2	0.2	0.2	0.2
Supplemental Items
Effective Tax Rate - (Ratio)	21.12	34.61	32.74	23.79	20.12
Current Domestic Taxes	10Cr	-1.1Cr	-9.1Cr	-	-
Current Foreign Taxes	116.6Cr	128.9Cr	156.1Cr	-	-
Total Current Taxes	126.8Cr	127.8Cr	147Cr	145.8Cr	169.8Cr
Deferred Domestic Taxes	26Cr	14Cr	14Cr	-	-
Deferred Foreign Taxes	17Cr	15Cr	7Cr	-	-
Total Deferred Taxes	43Cr	29Cr	21Cr	14Cr	7.3Cr
Normalized Net Income	439.61Cr	188.79Cr	246.02Cr	332.54Cr	425.62Cr
Non-Cash Pension Expense	-10L	-2.3Cr	-90L	-1.4Cr	0
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	20Cr	20Cr	-	-	-
Stock-Based Comp., Other (Total)	-	-	25Cr	24Cr	38Cr
Total Stock-Based Compensation	20Cr	20Cr	25Cr	24Cr	38Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	21TCr	24TCr	26TCr	25TCr	18TCr
Investment Securities, Total	10TCr	23TCr	44TCr	43TCr	47TCr
Trading Asset Securities, Total	34TCr	22TCr	22TCr	24TCr	27TCr
Total investments	44TCr	45TCr	66TCr	67TCr	74TCr
Gross Loans	50TCr	51TCr	48TCr	47TCr	45TCr
Allowance For Loan Losses	-1.1TCr	-1.07TCr	-1.01TCr	-847.1Cr	-844.3Cr
Other Adjustments to Gross Loans	-169.2Cr	-223.2Cr	-246Cr	-188.2Cr	-154.4Cr
Net Loans	49TCr	49TCr	47TCr	46TCr	44TCr
Gross Property Plant And Equipment	4.57TCr	4.72TCr	8.22TCr	8.32TCr	8.33TCr
Accumulated Depreciation	-1.65TCr	-1.7TCr	-2.58TCr	-2.59TCr	-2.67TCr
Net Property Plant And Equipment	2.92TCr	3.02TCr	5.64TCr	5.73TCr	5.67TCr
Goodwill	374.1Cr	378.1Cr	494.9Cr	508.6Cr	508.3Cr
Other Intangibles, Total	273.3Cr	288.2Cr	356.2Cr	339.3Cr	316.8Cr
Investment in Real Estate	1.2Cr	1.1Cr	74Cr	71Cr	67Cr
Accrued Interest Receivable	398.4Cr	470Cr	522.8Cr	498.7Cr	327.9Cr
Other Receivables	1.11TCr	1.19TCr	1.48TCr	1.51TCr	1.78TCr
Other Current Assets, Total	9.29TCr	8.37TCr	6.94TCr	10TCr	8.08TCr
Deferred Tax Assets Long-Term (Collected)	383Cr	387.7Cr	369.1Cr	339.1Cr	332.4Cr
Other Long-Term Assets, Total	18TCr	16TCr	454.9Cr	674Cr	951.3Cr
Total Assets	1,46400Cr	1,48700Cr	1,55400Cr	1,57400Cr	1,54700Cr
Liabilities
Accrued Expenses, Total	275.4Cr	261Cr	256.6Cr	282Cr	333.9Cr
Interest Bearing Deposits	32TCr	35TCr	37TCr	34TCr	33TCr
Non-Interest Bearing Deposits	32TCr	31TCr	28TCr	27TCr	28TCr
Total Deposits	64TCr	65TCr	64TCr	61TCr	61TCr
Short-Term Borrowings	13TCr	12TCr	12TCr	13TCr	13TCr
Current Portion of Long-Term Debt	11TCr	6.66TCr	7.39TCr	7.73TCr	7.02TCr
Long-Term Debt	4.18TCr	8.9TCr	11TCr	11TCr	10TCr
Long-Term Leases	231.8Cr	210.4Cr	206.5Cr	200.3Cr	196.7Cr
Current Income Taxes Payable	76Cr	74Cr	93Cr	93Cr	129.7Cr
Accrued Interest Payable	31Cr	117.7Cr	330.5Cr	208.7Cr	231.3Cr
Unearned Revenue, Current	-	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	16TCr	18TCr	21TCr	22TCr	887.9Cr
Unearned Revenue Non Current	168.8Cr	129.7Cr	164.3Cr	156Cr	161.5Cr
Pension & Other Post Retirement Benefits	230.1Cr	200.2Cr	207.3Cr	193.9Cr	190.7Cr
Deferred Tax Liability Non-Current	74Cr	83Cr	142.8Cr	126.2Cr	126.3Cr
Other Non Current Liabilities	30TCr	30TCr	31TCr	32TCr	53TCr
Total Liabilities	1,39400Cr	1,41400Cr	1,47800Cr	1,49400Cr	1,46700Cr
Common Stock, Total	106.7Cr	106.2Cr	100.4Cr	100Cr	96Cr
Additional Paid In Capital	2.15TCr	2.14TCr	2.04TCr	2.04TCr	1.9TCr
Retained Earnings	3.63TCr	3.63TCr	3.54TCr	3.81TCr	4.19TCr
Treasury Stock	-67Cr	-119.1Cr	-23Cr	-11Cr	-72Cr
Comprehensive Income and Other	688.2Cr	891.8Cr	940.5Cr	1.09TCr	904.3Cr
Total Common Equity	6.51TCr	6.65TCr	6.6TCr	7.03TCr	7.01TCr
Minority Interest	579.6Cr	633.1Cr	1.03TCr	933.2Cr	938.3Cr
Total Equity	7.09TCr	7.28TCr	7.62TCr	7.96TCr	7.95TCr
Total Liabilities And Equity	1,46400Cr	1,48700Cr	1,55400Cr	1,57400Cr	1,54700Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	83Cr	80Cr	80Cr	80Cr	75Cr
ECS Total Common Shares Outstanding	83Cr	80Cr	80Cr	80Cr	75Cr
Book Value / Share	78.29	83.08	82.62	88.21	92.92
Tangible Book Value	5.86TCr	5.98TCr	5.75TCr	6.18TCr	6.19TCr
Tangible Book Value Per Share	70.5	74.75	71.96	77.56	81.99
Tangible Book Value Per Share (As Reported)	61.1	62.3	62.7	66.1	71.4
Total Debt	29TCr	28TCr	30TCr	32TCr	30TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	31Cr	11Cr	10Cr	-14Cr	-5.7Cr
Net Debt	-29TCr	-35TCr	-38TCr	-34TCr	-33TCr
Equity Method Investments, Total	9.5Cr	15Cr	23Cr	40Cr	43Cr
Full Time Employees	1L	1L	1L	1L	1L
Part Time Employees	-	-	-	8.92T	8.62T
Assets on Operating Lease - Gross	3.11TCr	3.29TCr	6.74TCr	6.92TCr	6.95TCr
Assets on Operating Lease - Accumulated Depreciation	-851.4Cr	-886.2Cr	-1.7TCr	-1.75TCr	-1.81TCr

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	564.1Cr	201.8Cr	249.3Cr	420Cr	600.2Cr
Depreciation, Depletion & Amortization	481.5Cr	472.2Cr	699.6Cr	936.4Cr	963.3Cr
Amortization of Goodwill and Intangible Assets - (CF)	63Cr	64Cr	71Cr	72Cr	86Cr
Total Depreciation, Depletion & Amortization	544.4Cr	535.9Cr	771Cr	1.01TCr	1.05TCr
(Gain) Loss On Sale of Asset - (CF)	-4.1Cr	-1.8Cr	-10Cr	-14Cr	-22Cr
Total Asset Writedown	11Cr	-	-	-	-
(Income) Loss On Equity Investments - (CF)	-60L	-1.5Cr	-2.4Cr	-2.1Cr	-1.8Cr
Change in Trading Asset Securities	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	509.7Cr	1.91TCr	2.18TCr	-2.65TCr	-4TCr
Other Operating Activities	404.5Cr	1.27TCr	556.7Cr	228Cr	405.1Cr
Cash from Operations	2.03TCr	3.91TCr	3.74TCr	-1.01TCr	-1.96TCr
Capital Expenditure	-646.6Cr	-959.4Cr	-1.19TCr	-1.14TCr	-936.1Cr
Investment in Marketable and Equity Securities, Total	-365.2Cr	58Cr	-21Cr	-231Cr	-1.91TCr
Cash from Investing	-1.01TCr	-901.2Cr	-1.21TCr	-1.37TCr	-2.84TCr
Issuance of Common Stock	-	78Cr	248.8Cr	15Cr	-
Repurchase of Common Stock	-289.2Cr	-59Cr	-90Cr	-	-307.3Cr
Common Dividends Paid	-47Cr	-137.1Cr	-136.2Cr	-72Cr	-131.5Cr
Common & Preferred Stock Dividends Paid	-47Cr	-137.1Cr	-136.2Cr	-72Cr	-131.5Cr
Other Financing Activities, Total	-27Cr	97Cr	-412.9Cr	-71Cr	-417.2Cr
Cash from Financing	-362.6Cr	-21Cr	-390.2Cr	-127.3Cr	-856Cr
Foreign Exchange Rate Adjustments	215.4Cr	235.4Cr	-232Cr	223.6Cr	-914.7Cr
Miscellaneous Cash Flow Adjustments	-	-	-	-	10L
Net Change in Cash	870.4Cr	3.22TCr	1.91TCr	-2.29TCr	-6.58TCr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.44	0.2	0.23	0.33	0.45
Return On Equity %	9.19	4.1	4.61	6.58	8.84
Return on Common Equity	7.97	2.16	2.61	5.11	7.52
Shareholders Value Added	-133.66Cr	-523.61Cr	-476.97Cr	-325.19Cr	-156.7Cr
Margin Analysis
SG&A Margin	45.61	51.91	8.82	8.56	7.99
Net Interest Income / Total Revenues %	41.67	48.95	42.82	39.16	39.06
EBT Excl. Non-Recurring Items Margin %	31.68	19.55	22.7	26.95	32.81
Income From Continuing Operations Margin %	24.64	12.78	14.32	20.31	27.28
Net Income Margin %	21.93	8.75	10.35	16.63	23.28
Net Avail. For Common Margin %	19.64	6.17	7.21	13.78	20.49
Normalized Net Income Margin	17.09	8.19	10.22	13.17	16.51
Asset quality
Nonperforming Loans / Total Loans %	3.27	3.1	3.25	2.99	3.04
Nonperforming Loans / Total Assets %	1.11	1.06	1.01	0.89	0.89
Nonperforming Assets / Total Assets %	1.11	1.06	1.01	0.89	0.89
NPAs / Loans and OREO	3.27	3.1	3.25	2.99	3.04
NPAs / Equity	22.95	21.55	20.61	17.61	17.4
Allowance for Credit Losses / Net Charge-offs %	755.56	727.04	764.04	483.78	781.76
Allowance for Credit Losses / Nonperforming Loans %	67.74	68.04	64.24	60.44	61
Allowance for Credit Losses / Total Loans %	2.21	2.11	2.09	1.8	1.86
Provision for Loan Losses / Net Charge-offs %	48.01	112.19	77.59	87.38	136.76
Capital And Funding
Total Average Common Equity / Total Average Assets %	4.36	4.46	4.37	4.36	4.5
Total Average Equity / Total Average Assets %	4.74	4.87	4.92	4.98	5.1
Total Equity + Allowance for Loan Losses / Total Loans %	15.28	15.26	15.72	16.77	17.29
Gross Loans / Total Deposits %	78.06	77.27	75.08	76.48	74.6
Net Loans / Total Deposits %	76.06	75.3	73.13	74.79	72.96
Tier 1 Capital Ratio %	15.94	16.29	15.56	16.06	16.01
Total Capital Ratio %	18.85	19.34	18.22	18.93	18.57
Core Tier 1 Capital Ratio	13.71	13.49	13.15	13.29	13.51
Tier 2 Capital Ratio	2.91	3.05	2.66	2.87	2.55
Coverage Ratio	67.74	68.04	64.24	60.44	61
Interbank Ratio	40.22	50.31	66.08	84.27	73.5
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.81	1.26	1.12	1.15	1.26
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	2.34	5.3	-19.71	-4.05	1.79
Non Interest Income, 1 Yr. Growth %	34.91	-14.57	3.35	14.21	1.71
Provision For Loan Losses, 1 Yr. Growth %	-78.7	135.29	-37.77	49.27	-3.46
Total Revenues, 1 Yr. Growth %	36.62	-10.37	-5.6	4.9	2.05
Earnings From Cont. Operations, 1 Yr. Growth %	3.13T	-53.5	25.15	48.71	37.1
Net Income, 1 Yr. Growth %	-2.29T	-64.23	36.6	68.47	42.9
Normalized Net Income, 1 Yr. Growth %	352.16	-57.06	43.17	31.42	28.07
Diluted EPS Before Extra, 1 Yr. Growth %	-684.07	-71.03	45.21	101.68	55.38
Dividend Per Share, 1 Yr. Growth %	200	3.03	-47.06	21.11	47.71
Gross Loans, 1 Yr. Growth %	10.46	1.51	-4.27	-5.51	1.25
Allowance For Loan Losses, 1 Yr. Growth %	-5.3	-3.11	-5.43	-16.07	-0.33
Net Loans, 1 Yr. Growth %	10.99	1.51	-4.31	-5.19	1.37
Non Performing Loans, 1 Yr. Growth %	-3.25	-3.53	0.15	-10.79	-1.26
Non Performing Assets, 1 Yr. Growth %	-3.25	-3.53	0.15	-10.79	-1.26
Total Assets, 1 Yr. Growth %	1.39	1.53	4.66	1.25	-1.71
Total Deposits, 1 Yr Growth %	9.54	2.54	-1.45	-4.75	-0.72
Tangible Book Value, 1 Yr. Growth %	6.18	2.04	-4.73	7.51	0.19
Common Equity, 1 Yr. Growth %	5.44	2.13	-1.49	6.49	-0.16
Total Equity, 1 Yr. Growth %	5.75	2.71	3.98	4.38	-0.08
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-2.11	3.81	-1.92	-12.23	-1.18
Non Interest Income, 2 Yr. CAGR %	7.91	7.36	-2.94	8.65	7.78
Provision For Loan Losses, 2 Yr. CAGR %	-25.46	-29.2	21.01	-3.62	20.04
Total Revenues, 2 Yr. CAGR %	4.82	10.66	-3.25	-0.49	3.47
Earnings From Cont. Operations, 2 Yr. CAGR %	26.74	287.76	-26.23	36.42	42.79
Net Income, 2 Yr. CAGR %	31.79	179.67	-33.52	51.7	55.16
Normalized Net Income, 2 Yr. CAGR %	25.06	39.35	-25.19	39.11	29.7
Diluted EPS Before Extra, 2 Yr. CAGR %	39.89	30.08	-39.7	71.13	77.02
Dividend Per Share, 2 Yr. CAGR %	-	75.81	-26.15	-19.93	33.75
Gross Loans, 2 Yr. CAGR %	6.2	5.89	-1.41	-3.63	-4.34
Allowance For Loan Losses, 2 Yr. CAGR %	1.22	-4.21	-4.28	-10.91	-8.54
Net Loans, 2 Yr. CAGR %	6.48	6.15	-1.43	-3.45	-4.18
Non Performing Loans, 2 Yr. CAGR %	0.89	-3.39	-1.71	-5.48	-6.14
Non Performing Assets, 2 Yr. CAGR %	0.89	-3.39	-1.71	-5.48	-6.14
Total Assets, 2 Yr. CAGR %	3.9	1.46	3.01	2.94	-0.24
Total Deposits, 2 Yr CAGR %	12.1	5.98	0.52	-3.12	-2.76
Tangible Book Value, 2 Yr. CAGR %	1.8	4.09	-0.97	1.2	3.78
Common Equity, 2 Yr. CAGR %	1.2	3.77	0.7	2.42	3.11
Total Equity, 2 Yr. CAGR %	1.66	4.22	3.73	4.18	2.13
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-0.92	0.3	-0.52	-2.64	-7.79
Non Interest Income, 3 Yr. CAGR %	3.45	-0.17	8.32	2.47	6.28
Provision For Loan Losses, 3 Yr. CAGR %	-11.36	9.34	-32.18	29.78	-3.57
Total Revenues, 3 Yr. CAGR %	2.05	-0.51	8.55	-0.6	0.35
Earnings From Cont. Operations, 3 Yr. CAGR %	9.61	-9.27	160.1	-6.81	36.65
Net Income, 3 Yr. CAGR %	11.03	-14.67	112.99	-9.36	48.71
Normalized Net Income, 3 Yr. CAGR %	10.05	-12.42	36.27	-8.88	35.3
Diluted EPS Before Extra, 3 Yr. CAGR %	12.07	-17.24	28.53	-9.83	65.71
Dividend Per Share, 3 Yr. CAGR %	-9.14	-	17.84	-12.91	-1.8
Gross Loans, 3 Yr. CAGR %	4.82	4.61	2.4	-1.93	-3.47
Allowance For Loan Losses, 3 Yr. CAGR %	-1.33	-0.24	-4.62	-8.38	-7.52
Net Loans, 3 Yr. CAGR %	5.04	4.8	2.55	-1.82	-3.35
Non Performing Loans, 3 Yr. CAGR %	-3	-0.61	-2.22	-4.83	-4.09
Non Performing Assets, 3 Yr. CAGR %	-3	-0.61	-2.22	-4.83	-4.09
Total Assets, 3 Yr. CAGR %	3.8	3.1	2.47	2.42	1.37
Total Deposits, 3 Yr CAGR %	9.32	8.82	3.44	-1.26	-2.32
Tangible Book Value, 3 Yr. CAGR %	2.65	1.88	1.36	1.78	0.86
Common Equity, 3 Yr. CAGR %	2.16	1.51	2.25	2.59	1.56
Total Equity, 3 Yr. CAGR %	2.5	2.01	4.4	3.95	2.74
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	2.51	1.62	-1.32	-2.43	-0.78
Non Interest Income, 5 Yr. CAGR %	-1.04	-2.06	0.84	4.61	8.1
Provision For Loan Losses, 5 Yr. CAGR %	-16.66	11.66	0.39	3.96	-14.78
Total Revenues, 5 Yr. CAGR %	1.17	-1.09	-0.1	1.53	6.49
Earnings From Cont. Operations, 5 Yr. CAGR %	7.88	-2.99	-6.45	5.38	104.63
Net Income, 5 Yr. CAGR %	7.81	-6.38	-9.56	5.28	87.64
Normalized Net Income, 5 Yr. CAGR %	3.47	-11.3	-5.7	3.42	34.35
Diluted EPS Before Extra, 5 Yr. CAGR %	6.98	-9.95	-12.54	7.49	46.09
Dividend Per Share, 5 Yr. CAGR %	-5.59	-5.03	-16.37	-	23.96
Gross Loans, 5 Yr. CAGR %	3.51	4.26	2.28	1.24	0.17
Allowance For Loan Losses, 5 Yr. CAGR %	-5.8	-4.43	-2.52	-4.66	-6.21
Net Loans, 5 Yr. CAGR %	3.85	4.54	2.4	1.42	0.34
Non Performing Loans, 5 Yr. CAGR %	-7.41	-5.27	-2.49	-2.58	-3.81
Non Performing Assets, 5 Yr. CAGR %	-7.41	-5.27	-2.49	-2.58	-3.81
Total Assets, 5 Yr. CAGR %	1.57	3.13	3.48	3.01	1.38
Total Deposits, 5 Yr CAGR %	6.11	6.56	5.72	3.88	0.92
Tangible Book Value, 5 Yr. CAGR %	1.02	2.27	1.19	1.79	2.32
Common Equity, 5 Yr. CAGR %	0.99	2.61	1.57	2.03	2.6
Total Equity, 5 Yr. CAGR %	1.52	2.94	2.99	3.02	3.48