Income Statement Synchrony Financial

Stocks

SYF

US87165B1035

Consumer Lending

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10/06	Synchrony and Pet Resort Hospitality Group Enter Agreement for CareCredit Credit Card Acceptance at Pet Resort Hospitality Group Locations	CI
09/06	Synchrony Financial Presents at Morgan Stanley US Financials Conference 2026, Jun-09-2026 07:30 AM

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Published financial data: SYNCHRONY FINANCIAL

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	1.52TCr	1.69TCr	1.99TCr	2.16TCr	2.17TCr
Interest Income On Investments	4.3Cr	26Cr	81Cr	104.9Cr	90Cr
Interest Income, Total	1.53TCr	1.71TCr	2.07TCr	2.26TCr	2.26TCr
Interest On Deposits	57Cr	100.8Cr	295.2Cr	380.6Cr	333Cr
Total Interest On Borrowings	47Cr	51Cr	76Cr	83Cr	80Cr
Interest Expense, Total	103.2Cr	152.1Cr	371.1Cr	463.4Cr	413.5Cr
Net Interest Income	1.42TCr	1.56TCr	1.7TCr	1.8TCr	1.85TCr
Gain (Loss) on Sale of Assets	-	-	-	106.9Cr	-
Total Other Non Interest Income	-404.7Cr	-395.1Cr	-337.2Cr	-295.5Cr	-348.5Cr
Non Interest Income, Total	-404.7Cr	-395.1Cr	-337.2Cr	-188.6Cr	-348.5Cr
Revenues Before Provison For Loan Losses	1.02TCr	1.17TCr	1.36TCr	1.61TCr	1.5TCr
Provision For Loan Losses	73Cr	337.5Cr	596.5Cr	673.3Cr	522.5Cr
Total Revenues	946.6Cr	829.9Cr	766.2Cr	939.2Cr	975.6Cr
Salaries And Other Employee Benefits	150.1Cr	168.1Cr	184.1Cr	187.2Cr	209.3Cr
Selling General & Admin Expenses, Total	181.8Cr	194.2Cr	208.1Cr	226.3Cr	234.6Cr
Total Other Non Interest Expense	54Cr	54Cr	50Cr	51Cr	51Cr
Non Interest Expense, Total	385.9Cr	416.4Cr	442.7Cr	464.7Cr	494.6Cr
EBT, Excl. Unusual Items	560.7Cr	413.5Cr	323.5Cr	474.5Cr	481Cr
Restructuring Charges	-	-	-4.3Cr	-	-
Other Unusual Items	-10Cr	-17Cr	-29Cr	-19Cr	-19Cr
EBT, Incl. Unusual Items	550.3Cr	396.2Cr	290.4Cr	455.3Cr	462.1Cr
Income Tax Expense	128.2Cr	95Cr	67Cr	105.4Cr	106.9Cr
Earnings From Continuing Operations	422.1Cr	301.6Cr	223.8Cr	349.9Cr	355.2Cr
Net Income to Company	422.1Cr	301.6Cr	223.8Cr	349.9Cr	355.2Cr
Net Income - (IS)	422.1Cr	301.6Cr	223.8Cr	349.9Cr	355.2Cr
Preferred Dividend and Other Adjustments	4.2Cr	4.2Cr	4.2Cr	7.2Cr	8.3Cr
Net Income to Common Incl Extra Items	417.9Cr	297.4Cr	219.6Cr	342.7Cr	346.9Cr
Net Income to Common Excl. Extra Items	417.9Cr	297.4Cr	219.6Cr	342.7Cr	346.9Cr
Per Share Items
Net EPS - Basic	7.4	6.19	5.21	8.64	9.38
Basic EPS - Continuing Operations	7.4	6.19	5.21	8.64	9.38
Basic Weighted Average Shares Outstanding	56Cr	48Cr	42Cr	40Cr	37Cr
Net EPS - Diluted	7.34	6.15	5.19	8.55	9.28
Diluted EPS - Continuing Operations	7.34	6.15	5.19	8.55	9.28
Diluted Weighted Average Shares Outstanding	57Cr	48Cr	42Cr	40Cr	37Cr
Normalized Basic EPS	6.21	5.38	4.8	7.48	8.13
Normalized Diluted EPS	6.16	5.35	4.77	7.4	8.04
Dividend Per Share	0.88	0.9	0.96	1	1.15
Payout Ratio	12.84	15.78	20.02	13.43	14.36
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	23.3	23.88	22.93	23.15	23.13
Current Domestic Taxes	105.8Cr	136.2Cr	111.4Cr	114.5Cr	87Cr
Current Foreign Taxes	50L	50L	1Cr	70L	1.3Cr
Total Current Taxes	106.3Cr	136.7Cr	112.4Cr	115.2Cr	88Cr
Deferred Domestic Taxes	22Cr	-42Cr	-46Cr	-9.7Cr	18Cr
Deferred Foreign Taxes	-10L	20L	-10L	-10L	-10L
Total Deferred Taxes	22Cr	-42Cr	-46Cr	-9.8Cr	18Cr
Normalized Net Income	350.44Cr	258.44Cr	202.19Cr	296.56Cr	300.62Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	833.7Cr	1.03TCr	1.43TCr	1.47TCr	1.5TCr
Investment Securities, Total	224.7Cr	388.1Cr	228.2Cr	373.4Cr	421.9Cr
Mortgage Backed Securities	46Cr	32Cr	35Cr	29Cr	30Cr
Total investments	270.8Cr	419.9Cr	263.6Cr	402.3Cr	451.6Cr
Gross Loans	8.07TCr	9.25TCr	10TCr	10TCr	10TCr
Allowance For Loan Losses	-868.8Cr	-952.7Cr	-1.06TCr	-1.09TCr	-1.04TCr
Net Loans	7.21TCr	8.29TCr	9.24TCr	9.38TCr	9.34TCr
Goodwill	110.5Cr	110.5Cr	101.8Cr	127.4Cr	136.3Cr
Other Intangibles, Total	116.8Cr	128.7Cr	82Cr	85Cr	125.5Cr
Loans Held For Sale	436.1Cr	-	-	-	-
Restricted Cash	35Cr	14Cr	5Cr	4.4Cr	4.4Cr
Other Current Assets, Total	-	-	26Cr	-	-
Deferred Tax Assets Long-Term (Collected)	-	-	-	229Cr	207.8Cr
Deferred Charges Long-Term	-	-	50Cr	-	-
Other Long-Term Assets, Total	566.8Cr	460Cr	553Cr	247.5Cr	150Cr
Total Assets	9.57TCr	10TCr	12TCr	12TCr	12TCr
Liabilities
Accrued Expenses, Total	508.8Cr	560.2Cr	425.6Cr	339.4Cr	353.1Cr
Interest Bearing Deposits	5.69TCr	6.41TCr	7.08TCr	7.05TCr	6.84TCr
Institutional Deposits	500Cr	720Cr	1TCr	1.12TCr	1.23TCr
Non-Interest Bearing Deposits	36Cr	40Cr	36Cr	40Cr	40Cr
Total Deposits	6.23TCr	7.17TCr	8.12TCr	8.21TCr	8.11TCr
Current Portion of Long-Term Debt	75Cr	-	-	-	225Cr
Long-Term Debt	1.38TCr	1.42TCr	1.6TCr	1.55TCr	1.29TCr
Other Current Liabilities - (Bank / Utility Template)	-	-	11Cr	-	-
Unearned Revenue Non Current	-	-	190Cr	180Cr	180Cr
Pension & Other Post Retirement Benefits	23Cr	16Cr	17Cr	16Cr	16Cr
Other Non Current Liabilities	-	-	70L	-	51Cr
Total Liabilities	8.21TCr	9.17TCr	10TCr	10TCr	10TCr
Preferred Stock Redeemable	73Cr	73Cr	73Cr	122.2Cr	122.2Cr
Total Preferred Equity	73Cr	73Cr	73Cr	122.2Cr	122.2Cr
Common Stock, Total	10L	10L	10L	10L	10L
Additional Paid In Capital	966.9Cr	971.8Cr	977.5Cr	985.3Cr	990.2Cr
Retained Earnings	1.42TCr	1.67TCr	1.87TCr	2.16TCr	2.46TCr
Treasury Stock	-1.09TCr	-1.42TCr	-1.52TCr	-1.61TCr	-1.89TCr
Comprehensive Income and Other	-6.9Cr	-12Cr	-6.8Cr	-5.9Cr	-4.8Cr
Total Common Equity	1.29TCr	1.21TCr	1.32TCr	1.54TCr	1.55TCr
Total Equity	1.37TCr	1.29TCr	1.39TCr	1.66TCr	1.68TCr
Total Liabilities And Equity	9.57TCr	10TCr	12TCr	12TCr	12TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	52Cr	44Cr	41Cr	39Cr	35Cr
ECS Total Common Shares Outstanding	53Cr	44Cr	41Cr	39Cr	35Cr
Book Value / Share	24.53	27.7	32.37	39.56	44.74
Tangible Book Value	1.06TCr	974.7Cr	1.13TCr	1.32TCr	1.29TCr
Tangible Book Value Per Share	20.21	22.24	27.86	34.08	37.21
Average Assets	9.41TCr	9.82TCr	11TCr	12TCr	12TCr
Average Loans	7.89TCr	8.47TCr	9.48TCr	10TCr	10TCr
Total Debt	1.45TCr	1.42TCr	1.6TCr	1.55TCr	1.52TCr
Net Debt	617Cr	389.7Cr	172.3Cr	75Cr	21Cr
Equity Method Investments, Total	-	-	-	82Cr	143.9Cr
Full Time Employees	18T	18.5T	20T	20T	20T

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	422.1Cr	301.6Cr	223.8Cr	349.9Cr	355.2Cr
Depreciation, Depletion & Amortization	5.1Cr	5.7Cr	16Cr	16Cr	15Cr
Amortization of Goodwill and Intangible Assets - (CF)	34Cr	36Cr	29Cr	32Cr	36Cr
Total Depreciation, Depletion & Amortization	39Cr	42Cr	46Cr	48Cr	51Cr
(Gain) Loss On Sale of Asset - (CF)	-	-	-	-106.9Cr	-
Provision for Credit Losses	73Cr	337.5Cr	596.5Cr	673.3Cr	522.5Cr
Changes in Accrued Interest Receivable	42Cr	-20Cr	-64Cr	3.3Cr	-60Cr
Change in Other Net Operating Assets (Collected)	60Cr	-7.2Cr	30Cr	-24Cr	44Cr
Other Operating Activities	74Cr	15Cr	28Cr	41Cr	72Cr
Cash from Operations	709.9Cr	669.4Cr	859.3Cr	984.8Cr	985.1Cr
Cash Acquisitions	-	-	-	-193.5Cr	-16Cr
Divestitures	-	-	-	49Cr	-
Investment in Marketable and Equity Securities, Total	209Cr	12Cr	138.8Cr	80Cr	76Cr
Net (Increase) Decrease in Loans Originated / Sold - Investing	-635.5Cr	-980.3Cr	-1.49TCr	-757.6Cr	-460.6Cr
Other Investing Activities, Total	-55Cr	-55Cr	-72Cr	-69Cr	-85Cr
Cash from Investing	-481.4Cr	-1.02TCr	-1.42TCr	-890.3Cr	-485.4Cr
Long-Term Debt Issued, Total	310.5Cr	495.5Cr	303.4Cr	243.9Cr	403Cr
Total Debt Issued	310.5Cr	495.5Cr	303.4Cr	243.9Cr	403Cr
Long-Term Debt Repaid, Total	-438.6Cr	-528.4Cr	-125.7Cr	-297.5Cr	-432.5Cr
Total Debt Repaid	-438.6Cr	-528.4Cr	-125.7Cr	-297.5Cr	-432.5Cr
Repurchase of Common Stock	-287.6Cr	-332Cr	-111.2Cr	-100.8Cr	-294.1Cr
Issuance of Preferred Stock	-	-	-	49Cr	-
Common Dividends Paid	-50Cr	-43Cr	-41Cr	-40Cr	-43Cr
Preferred Dividends Paid	-4.2Cr	-4.2Cr	-4.2Cr	-7.2Cr	-8.3Cr
Common & Preferred Stock Dividends Paid	-54Cr	-48Cr	-45Cr	-47Cr	-51Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	-53Cr	945.3Cr	943.7Cr	88Cr	-93Cr
Other Financing Activities, Total	2.9Cr	-4.4Cr	-2.2Cr	3.6Cr	-6.3Cr
Cash from Financing	-520.4Cr	528.4Cr	963.2Cr	-61Cr	-473.5Cr
Net Change in Cash	-291.9Cr	174.4Cr	399.1Cr	33Cr	26Cr
Supplemental Items
Cash Interest Paid	103.4Cr	135.6Cr	355.1Cr	466.2Cr	416.2Cr
Cash Income Tax Paid (Refund)	111.2Cr	129Cr	112.5Cr	108.7Cr	71Cr
Net Debt Issued / Repaid	-128.1Cr	-33Cr	177.7Cr	-54Cr	-30Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	4.4	3.01	2.02	2.95	2.98
Return On Equity %	32.03	22.74	16.72	22.96	21.3
Return on Common Equity	33.58	23.74	17.35	24.03	22.45
Shareholders Value Added	306.67Cr	187.44Cr	104.04Cr	211.14Cr	206.09Cr
Margin Analysis
SG&A Margin	35.06	43.66	51.19	44.03	45.5
Net Interest Income / Total Revenues %	150.42	188.28	221.86	191.77	189.28
EBT Excl. Non-Recurring Items Margin %	59.23	49.83	42.22	50.52	49.3
Income From Continuing Operations Margin %	44.59	36.34	29.21	37.26	36.41
Net Income Margin %	44.59	36.34	29.21	37.26	36.41
Net Avail. For Common Margin %	44.15	35.84	28.66	36.49	35.56
Normalized Net Income Margin	37.02	31.14	26.39	31.58	30.81
Asset quality
Nonperforming Loans / Total Loans %	1.17	1.69	2.28	2.4	2.17
Nonperforming Loans / Total Assets %	0.98	1.49	2	2.1	1.89
Nonperforming Assets / Total Assets %	0.98	1.49	2	2.1	1.89
NPAs / Loans and OREO	1.17	1.69	2.28	2.4	2.17
NPAs / Equity	6.9	12.13	16.92	15.15	13.41
Allowance for Credit Losses / Net Charge-offs %	377.08	375.67	228.81	170.23	184.36
Allowance for Credit Losses / Nonperforming Loans %	922.29	609.92	449.26	435.07	464.5
Allowance for Credit Losses / Total Loans %	10.76	10.3	10.26	10.44	10.06
Net Charge-offs / Total Average Loans %	2.92	3	4.87	6.31	5.65
Provision for Loan Losses / Net Charge-offs %	31.51	133.08	129.11	104.88	92.25
Earning Assets / IBL	128.13	125.93	124.09	124.38	125.26
Interest Income / Average Assets	16.23	17.47	18.86	18.97	18.95
Interest Expense / Average Assets	1.1	1.55	3.38	3.88	3.47
Net Interest Income / Average Assets	15.13	15.92	15.48	15.09	15.49
Non Interest Income / Average Assets	-4.3	-4.03	-3.07	-1.58	-2.92
Non Interest Expense / Average Asset	4.1	4.24	4.03	3.89	4.15
Capital And Funding
Total Average Common Equity / Total Average Assets %	12.98	12.51	11.4	12.04	12.95
Total Average Equity / Total Average Assets %	13.75	13.24	12.06	12.87	13.98
Total Equity + Allowance for Loan Losses / Total Loans %	27.67	24.22	23.76	26.27	26.21
Gross Loans / Total Deposits %	129.66	128.9	126.91	127.61	127.93
Net Loans / Total Deposits %	115.71	115.62	113.88	114.29	115.06
Tier 1 Capital Ratio %	16.5	13.6	12.9	14.5	13.8
Total Capital Ratio %	17.8	15	14.9	16.5	15.8
Core Tier 1 Capital Ratio	15.6	12.8	12.2	13.3	12.6
Tier 2 Capital Ratio	1.32	1.33	2.06	2.06	2.06
Leverage Ratio %	14.7	12.3	11.7	12.9	12.5
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	12.81	8.72	4.83	6.5	6.74
EBT + Interest Expense / Interest Expense	6.33	3.6	1.78	1.98	2.12
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-1.13	9.73	8.79	5.95	2.53
Non Interest Income, 1 Yr. Growth %	24.91	-2.37	-14.65	-44.07	84.78
Provision For Loan Losses, 1 Yr. Growth %	-86.33	364.88	76.74	12.88	-22.4
Total Revenues, 1 Yr. Growth %	61.76	-12.33	-7.68	22.58	3.88
Earnings From Cont. Operations, 1 Yr. Growth %	204.77	-28.55	-25.8	56.34	1.51
Net Income, 1 Yr. Growth %	204.77	-28.55	-25.8	56.34	1.51
Normalized Net Income, 1 Yr. Growth %	158.15	-26.25	-21.77	46.68	1.37
Diluted EPS Before Extra, 1 Yr. Growth %	223.35	-16.21	-15.61	64.74	8.54
Dividend Per Share, 1 Yr. Growth %	0	2.27	6.67	4.17	15
Gross Loans, 1 Yr. Growth %	-1.38	14.53	11.37	1.68	-0.87
Allowance For Loan Losses, 1 Yr. Growth %	-15.36	9.66	10.96	3.39	-4.46
Net Loans, 1 Yr. Growth %	0.63	15.12	11.42	1.49	-0.45
Non Performing Loans, 1 Yr. Growth %	-17.59	65.82	50.64	6.76	-10.51
Non Performing Assets, 1 Yr. Growth %	-17.59	65.82	50.64	6.76	-10.51
Total Assets, 1 Yr. Growth %	-0.21	9.21	12.35	1.69	-0.31
Total Deposits, 1 Yr Growth %	-0.82	15.2	13.13	1.12	-1.12
Tangible Book Value, 1 Yr. Growth %	9.05	-8.46	10.14	16.71	-2.3
Average Interest Earning Assets, 1 Yr. Growth %	-4.2	3.54	12.19	8.75	-0.68
Average Interest Bearing Liabilities, 1 Yr. Growth %	-6.49	5.35	13.85	8.49	-1.38
Common Equity, 1 Yr. Growth %	7.97	-6.05	8.48	16.62	1.21
Total Equity, 1 Yr. Growth %	7.51	-5.73	8	19.25	1.12
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-7.93	4.16	9.26	7.36	4.23
Non Interest Income, 2 Yr. CAGR %	7.73	10.43	-8.72	-30.91	1.66
Provision For Loan Losses, 2 Yr. CAGR %	-58.32	-20.28	186.64	41.24	-6.41
Total Revenues, 2 Yr. CAGR %	1.81	19.09	-10.03	6.38	12.84
Earnings From Cont. Operations, 2 Yr. CAGR %	6.14	47.57	-27.18	7.71	25.98
Net Income, 2 Yr. CAGR %	6.14	47.57	-27.18	7.71	25.98
Normalized Net Income, 2 Yr. CAGR %	4.24	39.3	-24.04	7.12	22.76
Diluted EPS Before Extra, 2 Yr. CAGR %	14.9	64.6	-15.91	17.91	33.72
Dividend Per Share, 2 Yr. CAGR %	1.16	1.13	4.45	5.41	9.45
Gross Loans, 2 Yr. CAGR %	-3.78	6.28	12.94	6.42	0.4
Allowance For Loan Losses, 2 Yr. CAGR %	24.53	-3.66	10.31	7.11	-0.61
Net Loans, 2 Yr. CAGR %	-6.04	7.63	13.25	6.34	0.51
Non Performing Loans, 2 Yr. CAGR %	-29.12	16.9	58.05	26.81	-2.26
Non Performing Assets, 2 Yr. CAGR %	-29.12	16.9	58.05	26.81	-2.26
Total Assets, 2 Yr. CAGR %	-4.43	4.39	10.77	6.89	0.69
Total Deposits, 2 Yr CAGR %	-2.24	6.89	14.16	6.96	-0.01
Tangible Book Value, 2 Yr. CAGR %	-5.84	-0.09	3.18	13.38	6.78
Average Interest Earning Assets, 2 Yr. CAGR %	-4.74	-0.4	7.78	10.45	3.92
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-6.39	-0.74	9.52	11.14	3.44
Common Equity, 2 Yr. CAGR %	-5.12	0.72	0.96	12.48	8.64
Total Equity, 2 Yr. CAGR %	-4.87	0.67	0.9	13.49	9.81
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-4.05	-2.39	5.68	8.15	5.73
Non Interest Income, 3 Yr. CAGR %	12.61	4.25	1.34	-22.47	-4.1
Provision For Loan Losses, 3 Yr. CAGR %	-49.22	-6.88	3.95	110.1	15.68
Total Revenues, 3 Yr. CAGR %	6.94	-3.14	9.4	-0.26	5.54
Earnings From Cont. Operations, 3 Yr. CAGR %	14.8	-6.98	17.35	-6.06	5.6
Net Income, 3 Yr. CAGR %	14.8	-6.98	17.35	-6.06	5.6
Normalized Net Income, 3 Yr. CAGR %	13.03	-7.12	14.93	-5.41	5.17
Diluted EPS Before Extra, 3 Yr. CAGR %	25.2	3.42	31.74	5.22	14.7
Dividend Per Share, 3 Yr. CAGR %	6.92	1.53	2.94	4.35	8.51
Gross Loans, 3 Yr. CAGR %	-4.65	1.97	7.95	9.06	3.93
Allowance For Loan Losses, 3 Yr. CAGR %	10.57	19.36	0.98	7.95	3.1
Net Loans, 3 Yr. CAGR %	-5.99	0.54	8.88	9.19	4.02
Non Performing Loans, 3 Yr. CAGR %	-23.7	-5.91	27.21	38.67	12.9
Non Performing Assets, 3 Yr. CAGR %	-23.7	-5.91	27.21	38.67	12.9
Total Assets, 3 Yr. CAGR %	-3.57	-0.08	6.98	7.66	4.43
Total Deposits, 3 Yr CAGR %	-0.92	3.26	8.93	9.64	4.19
Tangible Book Value, 3 Yr. CAGR %	-5.25	-6.73	5.1	7.51	7.89
Average Interest Earning Assets, 3 Yr. CAGR %	-1.46	-2.06	3.63	8.1	6.61
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-2.44	-2.63	3.9	9.17	6.8
Common Equity, 3 Yr. CAGR %	-4.16	-5.43	3.24	5.93	8.59
Total Equity, 3 Yr. CAGR %	-2.38	-5.15	3.06	6.68	9.21
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	1.03	0.8	1.07	1.4	5.1
Non Interest Income, 5 Yr. CAGR %	9.61	8.32	3.54	-11.57	1.47
Provision For Loan Losses, 5 Yr. CAGR %	-28.87	-8.62	1.47	10	-0.32
Total Revenues, 5 Yr. CAGR %	6.26	3.25	-0.2	0.56	10.76
Earnings From Cont. Operations, 5 Yr. CAGR %	13.4	9.28	-4.31	-1.36	20.73
Net Income, 5 Yr. CAGR %	13.4	9.28	-4.31	-1.36	20.73
Normalized Net Income, 5 Yr. CAGR %	8.25	2.6	-3.59	-1.66	17.68
Diluted EPS Before Extra, 5 Yr. CAGR %	22.05	20.51	6.77	8.99	32.53
Dividend Per Share, 5 Yr. CAGR %	27.62	9.95	5.92	3.06	5.5
Gross Loans, 5 Yr. CAGR %	1.13	2.45	2.03	3.73	4.86
Allowance For Loan Losses, 5 Yr. CAGR %	14.87	11.32	10.46	14.3	0.34
Net Loans, 5 Yr. CAGR %	0.02	1.66	1.28	2.82	5.45
Non Performing Loans, 5 Yr. CAGR %	-16.7	-11.07	2.1	6.02	14.49
Non Performing Assets, 5 Yr. CAGR %	-16.7	-11.07	2.1	6.02	14.49
Total Assets, 5 Yr. CAGR %	1.2	1.76	1.93	2.65	4.42
Total Deposits, 5 Yr CAGR %	3.65	4.9	4.86	4.72	5.27
Tangible Book Value, 5 Yr. CAGR %	-3.21	-4.84	-1.96	1.95	5.77
Average Interest Earning Assets, 5 Yr. CAGR %	2.82	1.71	2.14	2.77	3.75
Average Interest Bearing Liabilities, 5 Yr. CAGR %	2.28	1.61	2.18	2.66	3.71
Common Equity, 5 Yr. CAGR %	-1.86	-3.13	-2.15	1.36	5.37
Total Equity, 5 Yr. CAGR %	-0.77	-1.99	-1.08	1.9	5.71