Financial Ratios Société Générale

Equities

GLE

FR0000130809

Banks

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02:12am	TREASURIES-US yields slide amid turmoil involving Fed's Powell	RE
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Published financial data: SOCIÉTÉ GÉNÉRALE

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	2.07TCr	2.06TCr	2.88TCr	5.31TCr	5.5TCr
Interest Income, Total	2.07TCr	2.06TCr	2.88TCr	5.31TCr	5.5TCr
Interest On Deposits	1.02TCr	987.2Cr	1.76TCr	4.28TCr	4.51TCr
Interest Expense, Total	1.02TCr	987.2Cr	1.76TCr	4.28TCr	4.51TCr
Net Interest Income	1.05TCr	1.07TCr	1.13TCr	1.03TCr	989.2Cr
Gain (Loss) on Sale of Assets	-	62Cr	-335.7Cr	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-	-	-	-	-
Total Other Non Interest Income	1.16TCr	1.51TCr	1.68TCr	1.48TCr	1.69TCr
Non Interest Income, Total	1.16TCr	1.57TCr	1.34TCr	1.48TCr	1.69TCr
Revenues Before Provison For Loan Losses	2.21TCr	2.64TCr	2.47TCr	2.51TCr	2.68TCr
Provision For Loan Losses	328.6Cr	70Cr	164.7Cr	102.5Cr	153Cr
Total Revenues	1.88TCr	2.57TCr	2.31TCr	2.41TCr	2.53TCr
Salaries And Other Employee Benefits	897.3Cr	956.7Cr	985.6Cr	-	-
Stock-Based Compensation (IS)	-	-	-	25Cr	24Cr
Occupancy Expense	160.4Cr	164.5Cr	156.9Cr	167.5Cr	165.1Cr
Selling General & Admin Expenses, Total	489.1Cr	52Cr	54Cr	45Cr	51Cr
(Income) Loss on Equity Invest.	-30L	-60L	-1.5Cr	-2.4Cr	-2.1Cr
Total Other Non Interest Expense	90Cr	584.7Cr	659.4Cr	1.63TCr	1.61TCr
Non Interest Expense, Total	1.64TCr	1.76TCr	1.85TCr	1.86TCr	1.85TCr
EBT, Excl. Unusual Items	245.7Cr	814.9Cr	450.7Cr	546.6Cr	680.7Cr
Restructuring Charges	-37Cr	-	-	-	-
Impairment of Goodwill	-68Cr	-11Cr	-	-34Cr	-
Asset Writedown	-	-	-	-	-
Legal Settlements	-	-	-	-	-
Other Unusual Items	-	-	-	-	-7.7Cr
EBT, Incl. Unusual Items	140Cr	803.5Cr	450.7Cr	512.8Cr	673Cr
Income Tax Expense	120.4Cr	169.7Cr	156Cr	167.9Cr	160.1Cr
Earnings From Continuing Operations	20Cr	633.8Cr	294.7Cr	344.9Cr	512.9Cr
Net Income to Company	20Cr	633.8Cr	294.7Cr	344.9Cr	512.9Cr
Minority Interest	-45Cr	-70Cr	-93Cr	-96Cr	-93Cr
Net Income - (IS)	-26Cr	564.1Cr	201.8Cr	249.3Cr	420Cr
Preferred Dividend and Other Adjustments	61Cr	59Cr	60Cr	76Cr	72Cr
Net Income to Common Incl Extra Items	-87Cr	505.1Cr	142.2Cr	173.5Cr	348Cr
Net Income to Common Excl. Extra Items	-87Cr	505.1Cr	142.2Cr	173.5Cr	348Cr
Per Share Items
Net EPS - Basic	-1.02	5.97	1.73	2.17	4.38
Basic EPS - Continuing Operations	-1.02	5.97	1.73	2.17	4.38
Basic Weighted Average Shares Outstanding	85Cr	85Cr	82Cr	80Cr	80Cr
Net EPS - Diluted	-1.02	5.97	1.73	2.17	4.38
Diluted EPS - Continuing Operations	-1.02	5.97	1.73	2.17	4.38
Diluted Weighted Average Shares Outstanding	85Cr	85Cr	82Cr	80Cr	80Cr
Normalized Basic EPS	1.27	5.19	2.3	3.08	4.18
Normalized Diluted EPS	1.27	5.19	2.3	3.08	4.18
Dividend Per Share	0.55	1.65	1.7	0.9	1.09
Payout Ratio	-	8.3	67.94	54.63	17.12
American Depositary Receipts Ratio (ADR)	0.2	0.2	0.2	0.2	0.2
Supplemental Items
Effective Tax Rate - (Ratio)	86	21.12	34.61	32.74	23.79
Current Domestic Taxes	-14Cr	10Cr	-1.1Cr	-9.1Cr	-
Current Foreign Taxes	85Cr	116.6Cr	128.9Cr	156.1Cr	-
Total Current Taxes	71Cr	126.8Cr	127.8Cr	147Cr	145.8Cr
Deferred Domestic Taxes	52Cr	26Cr	14Cr	14Cr	-
Deferred Foreign Taxes	-2.5Cr	17Cr	15Cr	7Cr	-
Total Deferred Taxes	49Cr	43Cr	29Cr	21Cr	14Cr
Normalized Net Income	108.16Cr	439.61Cr	188.79Cr	246.02Cr	332.54Cr
Non-Cash Pension Expense	-1.3Cr	-10L	-2.3Cr	-90L	-1.4Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	15Cr	20Cr	20Cr	-	-
Stock-Based Comp., Other (Total)	-	-	-	25Cr	24Cr
Total Stock-Based Compensation	15Cr	20Cr	20Cr	25Cr	24Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	19TCr	21TCr	24TCr	26TCr	25TCr
Investment Securities, Total	11TCr	10TCr	23TCr	44TCr	43TCr
Trading Asset Securities, Total	44TCr	34TCr	22TCr	22TCr	24TCr
Total investments	54TCr	44TCr	45TCr	66TCr	67TCr
Gross Loans	45TCr	50TCr	51TCr	48TCr	47TCr
Allowance For Loan Losses	-1.16TCr	-1.1TCr	-1.07TCr	-1.01TCr	-847.1Cr
Other Adjustments to Gross Loans	-199.1Cr	-169.2Cr	-223.2Cr	-246Cr	-188.2Cr
Net Loans	44TCr	49TCr	49TCr	47TCr	46TCr
Gross Property Plant And Equipment	4.29TCr	4.57TCr	4.72TCr	8.22TCr	8.32TCr
Accumulated Depreciation	-1.53TCr	-1.65TCr	-1.7TCr	-2.58TCr	-2.59TCr
Net Property Plant And Equipment	2.76TCr	2.92TCr	3.02TCr	5.64TCr	5.73TCr
Goodwill	404.4Cr	374.1Cr	378.1Cr	494.9Cr	508.6Cr
Other Intangibles, Total	248.4Cr	273.3Cr	288.2Cr	356.2Cr	339.3Cr
Investment in Real Estate	1.2Cr	1.2Cr	1.1Cr	74Cr	71Cr
Accrued Interest Receivable	373.5Cr	398.4Cr	470Cr	522.8Cr	498.7Cr
Other Receivables	1.17TCr	1.11TCr	1.19TCr	1.48TCr	1.51TCr
Other Current Assets, Total	6.38TCr	9.29TCr	8.37TCr	6.94TCr	10TCr
Deferred Tax Assets Long-Term (Collected)	410.6Cr	383Cr	387.7Cr	369.1Cr	339.1Cr
Other Long-Term Assets, Total	17TCr	18TCr	16TCr	454.9Cr	674Cr
Total Assets	1,46200Cr	1,46400Cr	1,48700Cr	1,55400Cr	1,57400Cr
Liabilities
Accounts Payable, Total	-	-	-	-	-
Accrued Expenses, Total	202.2Cr	275.4Cr	261Cr	256.6Cr	282Cr
Interest Bearing Deposits	30TCr	32TCr	35TCr	37TCr	34TCr
Non-Interest Bearing Deposits	28TCr	32TCr	31TCr	28TCr	27TCr
Total Deposits	58TCr	64TCr	65TCr	64TCr	61TCr
Short-Term Borrowings	19TCr	13TCr	12TCr	12TCr	13TCr
Current Portion of Long-Term Debt	7.25TCr	11TCr	6.66TCr	7.39TCr	7.73TCr
Long-Term Debt	8.38TCr	4.18TCr	8.9TCr	11TCr	11TCr
Long-Term Leases	220.7Cr	231.8Cr	210.4Cr	206.5Cr	200.3Cr
Current Income Taxes Payable	44Cr	76Cr	74Cr	93Cr	93Cr
Accrued Interest Payable	36Cr	31Cr	117.7Cr	330.5Cr	208.7Cr
Unearned Revenue, Current	-	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	19TCr	16TCr	18TCr	21TCr	22TCr
Unearned Revenue Non Current	152.7Cr	168.8Cr	129.7Cr	164.3Cr	156Cr
Pension & Other Post Retirement Benefits	258.1Cr	230.1Cr	200.2Cr	207.3Cr	193.9Cr
Deferred Tax Liability Non-Current	69Cr	74Cr	83Cr	142.8Cr	126.2Cr
Other Non Current Liabilities	27TCr	30TCr	30TCr	31TCr	32TCr
Total Liabilities	1,39500Cr	1,39400Cr	1,41400Cr	1,47800Cr	1,49400Cr
Common Stock, Total	106.7Cr	106.7Cr	106.2Cr	100.4Cr	100Cr
Additional Paid In Capital	2.15TCr	2.15TCr	2.14TCr	2.04TCr	2.04TCr
Retained Earnings	3.18TCr	3.63TCr	3.63TCr	3.54TCr	3.81TCr
Treasury Stock	-20Cr	-67Cr	-119.1Cr	-23Cr	-11Cr
Comprehensive Income and Other	753.3Cr	688.2Cr	891.8Cr	940.5Cr	1.09TCr
Total Common Equity	6.17TCr	6.51TCr	6.65TCr	6.6TCr	7.03TCr
Minority Interest	529.5Cr	579.6Cr	633.1Cr	1.03TCr	933.2Cr
Total Equity	6.7TCr	7.09TCr	7.28TCr	7.62TCr	7.96TCr
Total Liabilities And Equity	1,46200Cr	1,46400Cr	1,48700Cr	1,55400Cr	1,57400Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	85Cr	83Cr	80Cr	80Cr	80Cr
ECS Total Common Shares Outstanding	85Cr	83Cr	80Cr	80Cr	80Cr
Book Value / Share	72.68	78.29	83.08	82.62	88.21
Tangible Book Value	5.52TCr	5.86TCr	5.98TCr	5.75TCr	6.18TCr
Tangible Book Value Per Share	64.99	70.5	74.75	71.96	77.56
Tangible Book Value Per Share (As Reported)	54.8	61.1	62.3	62.7	66.1
Total Debt	35TCr	29TCr	28TCr	30TCr	32TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	56Cr	31Cr	11Cr	10Cr	-14Cr
Net Debt	-32TCr	-29TCr	-35TCr	-38TCr	-34TCr
Equity Method Investments, Total	10Cr	9.5Cr	15Cr	23Cr	40Cr
Full Time Employees	1L	1L	1L	1L	1L
Part Time Employees	-	-	-	-	-
Assets on Operating Lease - Gross	2.88TCr	3.11TCr	3.29TCr	6.74TCr	6.92TCr
Assets on Operating Lease - Accumulated Depreciation	-794Cr	-851.4Cr	-886.2Cr	-1.7TCr	-1.75TCr

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	-26Cr	564.1Cr	201.8Cr	249.3Cr	420Cr
Depreciation, Depletion & Amortization	472.3Cr	481.5Cr	472.2Cr	699.6Cr	936.4Cr
Amortization of Goodwill and Intangible Assets - (CF)	54Cr	63Cr	64Cr	71Cr	72Cr
Total Depreciation, Depletion & Amortization	526.3Cr	544.4Cr	535.9Cr	771Cr	1.01TCr
(Gain) Loss On Sale of Asset - (CF)	-7.4Cr	-4.1Cr	-1.8Cr	-10Cr	-14Cr
(Gain) Loss on Sale of Investments - (CF)	-	-	-	-	-
Total Asset Writedown	68Cr	11Cr	-	-	-
(Income) Loss On Equity Investments - (CF)	-30L	-60L	-1.5Cr	-2.4Cr	-2.1Cr
Change in Trading Asset Securities	607.7Cr	-	-	-	-
Changes in Accrued Interest Receivable	-	-	-	-	-
Change in Unearned Revenues	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	6.77TCr	509.7Cr	1.91TCr	2.18TCr	-2.65TCr
Other Operating Activities	144.6Cr	404.5Cr	1.27TCr	556.7Cr	228Cr
Cash from Operations	8.08TCr	2.03TCr	3.91TCr	3.74TCr	-1.01TCr
Capital Expenditure	-558.8Cr	-646.6Cr	-959.4Cr	-1.19TCr	-1.14TCr
Investment in Marketable and Equity Securities, Total	-127.5Cr	-365.2Cr	58Cr	-21Cr	-231Cr
Cash from Investing	-686.3Cr	-1.01TCr	-901.2Cr	-1.21TCr	-1.37TCr
Issuance of Common Stock	26Cr	-	78Cr	248.8Cr	-
Repurchase of Common Stock	-47Cr	-289.2Cr	-59Cr	-90Cr	-2.2Cr
Common Dividends Paid	-	-47Cr	-137.1Cr	-136.2Cr	-72Cr
Common & Preferred Stock Dividends Paid	-	-47Cr	-137.1Cr	-136.2Cr	-72Cr
Other Financing Activities, Total	234Cr	-27Cr	97Cr	-412.9Cr	-53Cr
Cash from Financing	213.3Cr	-362.6Cr	-21Cr	-390.2Cr	-127.3Cr
Foreign Exchange Rate Adjustments	-259.6Cr	215.4Cr	235.4Cr	-232Cr	223.6Cr
Net Change in Cash	7.35TCr	870.4Cr	3.22TCr	1.91TCr	-2.29TCr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.01	0.44	0.2	0.23	0.33
Return On Equity %	0.29	9.19	4.1	4.61	6.58
Return on Common Equity	-1.39	7.97	2.16	2.61	5.11
Shareholders Value Added	-699.75Cr	-133.66Cr	-523.61Cr	-476.97Cr	-325.19Cr
Margin Analysis
SG&A Margin	82.16	45.61	51.91	8.82	8.56
Net Interest Income / Total Revenues %	55.63	41.67	48.95	42.82	39.16
EBT Excl. Non-Recurring Items Margin %	13.05	31.68	19.55	22.7	26.95
Income From Continuing Operations Margin %	1.04	24.64	12.78	14.32	20.31
Net Income Margin %	-1.37	21.93	8.75	10.35	16.63
Net Avail. For Common Margin %	-4.62	19.64	6.17	7.21	13.78
Normalized Net Income Margin	5.74	17.09	8.19	10.22	13.17
Asset quality
Nonperforming Loans / Total Loans %	3.73	3.27	3.1	3.25	2.99
Nonperforming Loans / Total Assets %	1.15	1.11	1.06	1.01	0.89
Nonperforming Assets / Total Assets %	1.15	1.11	1.06	1.01	0.89
NPAs / Loans and OREO	3.73	3.27	3.1	3.25	2.99
NPAs / Equity	25.09	22.95	21.55	20.61	17.61
Allowance for Credit Losses / Net Charge-offs %	636.32	755.56	727.04	764.04	483.78
Allowance for Credit Losses / Nonperforming Loans %	69.21	67.74	68.04	64.24	60.44
Allowance for Credit Losses / Total Loans %	2.58	2.21	2.11	2.09	1.8
Provision for Loan Losses / Net Charge-offs %	179.76	48.01	112.19	77.59	87.38
Capital And Funding
Total Average Common Equity / Total Average Assets %	4.44	4.36	4.46	4.37	4.36
Total Average Equity / Total Average Assets %	4.81	4.74	4.87	4.92	4.98
Total Equity + Allowance for Loan Losses / Total Loans %	16.27	15.28	15.26	15.72	16.77
Gross Loans / Total Deposits %	77.4	78.06	77.27	75.08	76.48
Net Loans / Total Deposits %	75.06	76.06	75.3	73.13	74.79
Tier 1 Capital Ratio %	16	15.94	16.29	15.56	16.06
Total Capital Ratio %	19.2	18.85	19.34	18.22	18.93
Core Tier 1 Capital Ratio	13.4	13.71	13.49	13.15	13.29
Tier 2 Capital Ratio	3.24	2.91	3.05	2.66	2.87
Coverage Ratio	69.21	67.74	68.04	64.24	60.44
Interbank Ratio	39.37	40.22	50.31	66.08	84.27
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.14	1.81	1.26	1.12	1.15
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-6.37	2.34	5.3	-19.71	-4.05
Non Interest Income, 1 Yr. Growth %	-13.69	34.91	-14.57	3.35	14.21
Provision For Loan Losses, 1 Yr. Growth %	160.79	-78.7	135.29	-37.77	49.27
Total Revenues, 1 Yr. Growth %	-19.58	36.62	-10.37	-5.6	4.9
Earnings From Cont. Operations, 1 Yr. Growth %	-95.03	3.13T	-53.5	25.15	48.71
Net Income, 1 Yr. Growth %	-107.94	-2.29T	-64.23	36.6	68.47
Normalized Net Income, 1 Yr. Growth %	-61.52	352.16	-57.06	43.17	31.42
Diluted EPS Before Extra, 1 Yr. Growth %	-133.5	-684.07	-71.03	45.21	101.68
Dividend Per Share, 1 Yr. Growth %	-	200	3.03	-47.06	21.11
Gross Loans, 1 Yr. Growth %	2.11	10.46	1.51	-4.27	-5.51
Allowance For Loan Losses, 1 Yr. Growth %	8.19	-5.3	-3.11	-5.43	-16.07
Net Loans, 1 Yr. Growth %	2.15	10.99	1.51	-4.31	-5.19
Non Performing Loans, 1 Yr. Growth %	5.2	-3.25	-3.53	0.15	-10.79
Non Performing Assets, 1 Yr. Growth %	5.2	-3.25	-3.53	0.15	-10.79
Total Assets, 1 Yr. Growth %	7.77	1.39	1.53	4.66	1.25
Total Deposits, 1 Yr Growth %	14.72	9.54	2.54	-1.45	-4.75
Tangible Book Value, 1 Yr. Growth %	-2.44	6.18	2.04	-4.73	7.51
Common Equity, 1 Yr. Growth %	-2.9	5.44	2.13	-1.49	6.49
Total Equity, 1 Yr. Growth %	-2.32	5.75	2.71	3.98	4.38
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-2.51	-2.11	3.81	-1.92	-12.23
Non Interest Income, 2 Yr. CAGR %	-9.42	7.91	7.36	-2.94	8.65
Provision For Loan Losses, 2 Yr. CAGR %	80.82	-25.46	-29.2	21.01	-3.62
Total Revenues, 2 Yr. CAGR %	-11.8	4.82	10.66	-3.25	-0.49
Earnings From Cont. Operations, 2 Yr. CAGR %	-79.82	26.74	287.76	-26.23	36.42
Net Income, 2 Yr. CAGR %	-74.98	31.79	179.67	-33.52	51.7
Normalized Net Income, 2 Yr. CAGR %	-42.74	25.06	39.35	-25.19	39.11
Diluted EPS Before Extra, 2 Yr. CAGR %	-50.91	39.89	30.08	-39.7	71.13
Dividend Per Share, 2 Yr. CAGR %	-50	-	75.81	-26.15	-19.93
Gross Loans, 2 Yr. CAGR %	2.11	6.2	5.89	-1.41	-3.63
Allowance For Loan Losses, 2 Yr. CAGR %	0.72	1.22	-4.21	-4.28	-10.91
Net Loans, 2 Yr. CAGR %	2.19	6.48	6.15	-1.43	-3.45
Non Performing Loans, 2 Yr. CAGR %	-2.88	0.89	-3.39	-1.71	-5.48
Non Performing Assets, 2 Yr. CAGR %	-2.88	0.89	-3.39	-1.71	-5.48
Total Assets, 2 Yr. CAGR %	5.66	3.9	1.46	3.01	2.94
Total Deposits, 2 Yr CAGR %	9.22	12.1	5.98	0.52	-3.12
Tangible Book Value, 2 Yr. CAGR %	0.9	1.8	4.09	-0.97	1.2
Common Equity, 2 Yr. CAGR %	0.54	1.2	3.77	0.7	2.42
Total Equity, 2 Yr. CAGR %	0.88	1.66	4.22	3.73	4.18
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	0.18	-0.92	0.3	-0.52	-2.64
Non Interest Income, 3 Yr. CAGR %	-7.87	3.45	-0.17	8.32	2.47
Provision For Loan Losses, 3 Yr. CAGR %	51.29	-11.36	9.34	-32.18	29.78
Total Revenues, 3 Yr. CAGR %	-8.22	2.05	-0.51	8.55	-0.6
Earnings From Cont. Operations, 3 Yr. CAGR %	-61.48	9.61	-9.27	160.1	-6.81
Net Income, 3 Yr. CAGR %	-54.87	11.03	-14.67	112.99	-9.36
Normalized Net Income, 3 Yr. CAGR %	-31.99	10.05	-12.42	36.27	-8.88
Diluted EPS Before Extra, 3 Yr. CAGR %	-29.53	12.07	-17.24	28.53	-9.83
Dividend Per Share, 3 Yr. CAGR %	-37	-9.14	-	17.84	-12.91
Gross Loans, 3 Yr. CAGR %	3.19	4.82	4.61	2.4	-1.93
Allowance For Loan Losses, 3 Yr. CAGR %	-4.58	-1.33	-0.24	-4.62	-8.38
Net Loans, 3 Yr. CAGR %	3.49	5.04	4.8	2.55	-1.82
Non Performing Loans, 3 Yr. CAGR %	-6.51	-3	-0.61	-2.22	-4.83
Non Performing Assets, 3 Yr. CAGR %	-6.51	-3	-0.61	-2.22	-4.83
Total Assets, 3 Yr. CAGR %	4.69	3.8	3.1	2.47	2.42
Total Deposits, 3 Yr CAGR %	6.95	9.32	8.82	3.44	-1.26
Tangible Book Value, 3 Yr. CAGR %	1.06	2.65	1.88	1.36	1.78
Common Equity, 3 Yr. CAGR %	1.82	2.16	1.51	2.25	2.59
Total Equity, 3 Yr. CAGR %	2.09	2.5	2.01	4.4	3.95
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	2.39	2.51	1.62	-1.32	-2.43
Non Interest Income, 5 Yr. CAGR %	-6.93	-1.04	-2.06	0.84	4.61
Provision For Loan Losses, 5 Yr. CAGR %	5.92	-16.66	11.66	0.39	3.96
Total Revenues, 5 Yr. CAGR %	-4.35	1.17	-1.09	-0.1	1.53
Earnings From Cont. Operations, 5 Yr. CAGR %	-46.31	7.88	-2.99	-6.45	5.38
Net Income, 5 Yr. CAGR %	-42.21	7.81	-6.38	-9.56	5.28
Normalized Net Income, 5 Yr. CAGR %	-22.22	3.47	-11.3	-5.7	3.42
Diluted EPS Before Extra, 5 Yr. CAGR %	-25.62	6.98	-9.95	-12.54	7.49
Dividend Per Share, 5 Yr. CAGR %	-22.76	-5.59	-5.03	-16.37	-
Gross Loans, 5 Yr. CAGR %	2.27	3.51	4.26	2.28	1.24
Allowance For Loan Losses, 5 Yr. CAGR %	-5.46	-5.8	-4.43	-2.52	-4.66
Net Loans, 5 Yr. CAGR %	2.57	3.85	4.54	2.4	1.42
Non Performing Loans, 5 Yr. CAGR %	-7.34	-7.41	-5.27	-2.49	-2.58
Non Performing Assets, 5 Yr. CAGR %	-7.34	-7.41	-5.27	-2.49	-2.58
Total Assets, 5 Yr. CAGR %	1.84	1.57	3.13	3.48	3.01
Total Deposits, 5 Yr CAGR %	5.63	6.11	6.56	5.72	3.88
Tangible Book Value, 5 Yr. CAGR %	0.78	1.02	2.27	1.19	1.79
Common Equity, 5 Yr. CAGR %	0.88	0.99	2.61	1.57	2.03
Total Equity, 5 Yr. CAGR %	1.34	1.52	2.94	2.99	3.02