Financial Ratios The Saudi National Bank

Equities

1180

SA13L050IE10

Banks

Market Closed - Saudi Arabian S.E. Other stock markets 05:50:00 19/01/2026 pm IST			5-day change	1st Jan Change
42.32 ^SAR	+0.76%		+3.47%	+11.72%

18/01	Najran Cement Secures SAR50 Million Sharia-compliant Mid-term Loan	MT
18/01	Saudi National Bank Wraps Up $1 Billion Additional Tier 1 Capital Notes Offer	MT

993fa03.BvfXqUnm8SMdnMEKtY6kykU_oCmx93fbjlpVLLxSkmY.MKC4yAS1mE5H6vJ5_snqgABJ9XbgwhHu428gYNI93TR1gbvAM622Rm7MgA

Published financial data: THE SAUDI NATIONAL BANK

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	1.94TCr	2.52TCr	3.44TCr	4.99TCr	5.78TCr
Interest Income On Investments	-	-	-	-	-
Interest Income, Total	1.94TCr	2.52TCr	3.44TCr	4.99TCr	5.78TCr
Interest On Deposits	275.44Cr	306.01Cr	810.63Cr	2.28TCr	3.01TCr
Interest Expense, Total	275.44Cr	306.01Cr	810.63Cr	2.28TCr	3.01TCr
Net Interest Income	1.67TCr	2.21TCr	2.63TCr	2.7TCr	2.77TCr
Income From Trading Activities	-	-	-	-	-
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-	-	-	-	-
Total Other Non Interest Income	477.13Cr	634.19Cr	671.74Cr	758.05Cr	830.82Cr
Non Interest Income, Total	477.13Cr	634.19Cr	671.74Cr	758.05Cr	830.82Cr
Revenues Before Provison For Loan Losses	2.15TCr	2.85TCr	3.3TCr	3.46TCr	3.6TCr
Provision For Loan Losses	195.09Cr	392.7Cr	168.55Cr	92Cr	102.41Cr
Total Revenues	1.95TCr	2.45TCr	3.13TCr	3.37TCr	3.5TCr
Salaries And Other Employee Benefits	342.53Cr	426.88Cr	411.89Cr	452.01Cr	448.69Cr
Amort. of Goodwill & Intang. Assets	-	69Cr	84Cr	82Cr	82Cr
Occupancy Expense	90Cr	110.04Cr	143.52Cr	145.89Cr	178.78Cr
Selling General & Admin Expenses, Total	217.12Cr	364.25Cr	338.46Cr	355.78Cr	394.2Cr
(Income) Loss on Equity Invest.	-	-	-	-	-
Non Operating (Income) Expenses	7.68Cr	23Cr	26Cr	54Cr	36Cr
Non Interest Expense, Total	657.37Cr	993.48Cr	1TCr	1.09TCr	1.14TCr
EBT, Excl. Unusual Items	1.29TCr	1.46TCr	2.13TCr	2.28TCr	2.36TCr
Total Merger & Related Restructuring Charges	-	-16Cr	-	-	-
Impairment of Goodwill	-	-	-	-	-
EBT, Incl. Unusual Items	1.29TCr	1.44TCr	2.13TCr	2.28TCr	2.36TCr
Income Tax Expense	137.32Cr	165.34Cr	254.79Cr	266.37Cr	252.11Cr
Earnings From Continuing Operations	1.16TCr	1.28TCr	1.87TCr	2.01TCr	2.11TCr
Net Income to Company	1.16TCr	1.28TCr	1.87TCr	2.01TCr	2.11TCr
Minority Interest	-12Cr	-12Cr	-15Cr	-9.89Cr	9.93Cr
Net Income - (IS)	1.14TCr	1.27TCr	1.86TCr	2TCr	2.12TCr
Preferred Dividend and Other Adjustments	44Cr	48Cr	57Cr	77Cr	76Cr
Net Income to Common Incl Extra Items	1.1TCr	1.22TCr	1.8TCr	1.92TCr	2.04TCr
Net Income to Common Excl. Extra Items	1.1TCr	1.22TCr	1.8TCr	1.92TCr	2.04TCr
Per Share Items
Net EPS - Basic	2.76	2.24	3.04	3.23	3.44
Basic EPS - Continuing Operations	2.76	2.24	3.04	3.23	3.44
Basic Weighted Average Shares Outstanding	398.93Cr	543.34Cr	591.75Cr	594.8Cr	594.46Cr
Net EPS - Diluted	2.75	2.24	3.04	3.23	3.43
Diluted EPS - Continuing Operations	2.75	2.24	3.04	3.23	3.43
Diluted Weighted Average Shares Outstanding	399.49Cr	544.25Cr	592.73Cr	595.6Cr	595.3Cr
Normalized Basic EPS	2	1.66	2.22	2.38	2.5
Normalized Diluted EPS	1.99	1.66	2.22	2.37	2.5
Dividend Per Share	0.6	1.16	1.28	1.75	1.9
Payout Ratio	31.47	51.26	48.2	38.91	50.96
Supplemental Items
Effective Tax Rate - (Ratio)	10.62	11.45	11.98	11.7	10.68
Normalized Net Income	796.33Cr	900.94Cr	1.31TCr	1.41TCr	1.49TCr
Non-Cash Pension Expense	16Cr	22Cr	11Cr	7.77Cr	8.75Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	12Cr	15Cr	19Cr	14Cr	22Cr
Total Stock-Based Compensation	12Cr	15Cr	19Cr	14Cr	22Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	4.19TCr	5.17TCr	2.02TCr	4.05TCr	751.72Cr
Investment Securities, Total	8.4TCr	22TCr	26TCr	27TCr	29TCr
Trading Asset Securities, Total	6.92TCr	2.75TCr	2.06TCr	2.13TCr	2.74TCr
Total investments	15TCr	25TCr	28TCr	29TCr	32TCr
Gross Loans	37TCr	52TCr	56TCr	62TCr	67TCr
Allowance For Loan Losses	-879.14Cr	-1.09TCr	-1.14TCr	-1.03TCr	-1.04TCr
Other Adjustments to Gross Loans	-1.03TCr	-919.93Cr	-827.33Cr	-861.12Cr	-796.81Cr
Net Loans	35TCr	50TCr	55TCr	60TCr	65TCr
Gross Property Plant And Equipment	1.21TCr	1.59TCr	1.79TCr	1.88TCr	2.07TCr
Accumulated Depreciation	-579.34Cr	-652.98Cr	-791.95Cr	-868.5Cr	-986.73Cr
Net Property Plant And Equipment	628.49Cr	937.2Cr	996.17Cr	1.01TCr	1.08TCr
Goodwill	-	3.4TCr	3.4TCr	3.4TCr	3.4TCr
Other Intangibles, Total	108.29Cr	947.25Cr	894.79Cr	848.56Cr	782.42Cr
Other Receivables	552.33Cr	641.38Cr	396.67Cr	689.45Cr	2.11TCr
Restricted Cash	2.3TCr	3.42TCr	3.4TCr	3.47TCr	3.46TCr
Other Current Assets, Total	1.32TCr	1.54TCr	615.21Cr	524.53Cr	991.37Cr
Other Real Estate Owned And Foreclosed	96Cr	71Cr	56Cr	70Cr	76Cr
Other Long-Term Assets, Total	757.43Cr	715.88Cr	334.04Cr	425.64Cr	351.2Cr
Total Assets	60TCr	91TCr	95TCr	1,03700Cr	1,10400Cr
Liabilities
Accrued Expenses, Total	563.23Cr	984.06Cr	844.07Cr	757.09Cr	834.5Cr
Interest Bearing Deposits	15TCr	21TCr	23TCr	22TCr	25TCr
Non-Interest Bearing Deposits	32TCr	46TCr	43TCr	45TCr	42TCr
Total Deposits	47TCr	67TCr	66TCr	67TCr	67TCr
Short-Term Borrowings	3.23TCr	4.45TCr	8TCr	15TCr	18TCr
Current Portion of Long-Term Debt	116.49Cr	28Cr	405.68Cr	515.28Cr	249.73Cr
Current Portion of Leases	85Cr	39Cr	61Cr	27Cr	18Cr
Long-Term Debt	61Cr	583.59Cr	893.04Cr	873.63Cr	3.8TCr
Long-Term Leases	90Cr	168.98Cr	120.96Cr	93Cr	96Cr
Current Income Taxes Payable	141.36Cr	165.67Cr	263.32Cr	221.1Cr	264.65Cr
Accrued Interest Payable	-	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	-	388.83Cr	-	-	-
Pension & Other Post Retirement Benefits	142.67Cr	183.8Cr	145.16Cr	150.19Cr	179.88Cr
Other Non Current Liabilities	603.95Cr	1.42TCr	1.27TCr	1.22TCr	1.09TCr
Total Liabilities	52TCr	75TCr	78TCr	86TCr	91TCr
Common Stock, Total	3TCr	4.48TCr	4.48TCr	6TCr	6TCr
Additional Paid In Capital	-	6.37TCr	6.37TCr	6.37TCr	6.37TCr
Retained Earnings	4.28TCr	4.85TCr	5.8TCr	5.03TCr	6.08TCr
Treasury Stock	-37Cr	-213.79Cr	-202.75Cr	-220.27Cr	-209.92Cr
Comprehensive Income and Other	700.98Cr	735Cr	153.27Cr	413.34Cr	1.01TCr
Total Common Equity	7.94TCr	16TCr	17TCr	18TCr	19TCr
Minority Interest	80Cr	57Cr	80Cr	72Cr	71Cr
Total Equity	8.02TCr	16TCr	17TCr	18TCr	19TCr
Total Liabilities And Equity	60TCr	91TCr	95TCr	1,03700Cr	1,10400Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	398.72Cr	591.44Cr	591.77Cr	594.17Cr	594.5Cr
ECS Total Common Shares Outstanding	398.72Cr	591.44Cr	591.77Cr	594.17Cr	594.5Cr
Book Value / Share	17.36	25.36	25.43	27.05	28.83
Tangible Book Value	7.83TCr	12TCr	12TCr	13TCr	15TCr
Tangible Book Value Per Share	17.09	18.01	18.17	19.9	21.79
Total Debt	3.58TCr	5.27TCr	9.48TCr	16TCr	22TCr
Deposits at Interest - Cash	3.44TCr	4.34TCr	1.31TCr	2.77TCr	1.35TCr
Net Debt	-7.53TCr	-2.65TCr	5.4TCr	10TCr	18TCr
Equity Method Investments, Total	44Cr	32Cr	25Cr	25Cr	-
Full Time Employees	13.33T	16.11T	15.91T	16.08T	15.68T
Number Of Offices	433	510	498	474	485

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	1.14TCr	1.27TCr	1.86TCr	2TCr	2.12TCr
Depreciation, Depletion & Amortization	72Cr	87Cr	115.38Cr	94Cr	135.63Cr
Amortization of Goodwill and Intangible Assets - (CF)	-	69Cr	84Cr	82Cr	82Cr
Total Depreciation, Depletion & Amortization	72Cr	155.73Cr	199.87Cr	176.07Cr	217.66Cr
Amortization of Deferred Charges, Total	18Cr	23Cr	28Cr	52Cr	43Cr
(Gain) Loss On Sale of Asset - (CF)	6.44Cr	1.44Cr	-8.81Cr	-1.5Cr	8.18Cr
(Gain) Loss on Sale of Investments - (CF)	-72Cr	-20Cr	-25Cr	-29Cr	-35Cr
Total Asset Writedown	-	-	-	-	-
Provision for Credit Losses	194.97Cr	392.7Cr	168.55Cr	92Cr	102.41Cr
(Income) Loss On Equity Investments - (CF)	-31.31L	12Cr	-	-	-
Stock-Based Compensation (CF)	12Cr	15Cr	19Cr	14Cr	22Cr
Change in Trading Asset Securities	-296.05Cr	229.2Cr	-986.78Cr	-589.51Cr	-970.72Cr
Change in Other Net Operating Assets (Collected)	-5.99TCr	267.64Cr	-685.98Cr	-1.16TCr	-5.37TCr
Other Operating Activities	149.32Cr	176.93Cr	300.5Cr	328.55Cr	268.78Cr
Cash from Operations	-4.76TCr	2.52TCr	868.07Cr	888.39Cr	-3.6TCr
Capital Expenditure	-106.92Cr	-174.3Cr	-205.08Cr	-178.69Cr	-177.56Cr
Sale of Property, Plant, and Equipment	1.98Cr	43Cr	30Cr	16Cr	7.16Cr
Cash Acquisitions	-	2.46TCr	-	-	-
Purchase / Sale of Intangible Assets	-3.93Cr	-3.86Cr	-2.04Cr	-22Cr	-14Cr
Investment in Marketable and Equity Securities, Total	-957.49Cr	-2.38TCr	-2.68TCr	-752.97Cr	-2.17TCr
Other Investing Activities, Total	-	-	-	-	-
Cash from Investing	-1.07TCr	-50Cr	-2.86TCr	-937.56Cr	-2.36TCr
Long-Term Debt Issued, Total	475.86Cr	430.93Cr	1.06TCr	238.29Cr	12TCr
Total Debt Issued	475.86Cr	430.93Cr	1.06TCr	238.29Cr	12TCr
Long-Term Debt Repaid, Total	-381.69Cr	-501.69Cr	-360.65Cr	-191.67Cr	-6.56TCr
Total Debt Repaid	-381.69Cr	-501.69Cr	-360.65Cr	-191.67Cr	-6.56TCr
Issuance of Common Stock	420Cr	468.75Cr	330Cr	100Cr	600Cr
Repurchase of Common Stock	-114.6Cr	-270Cr	-	-164.78Cr	-
Common Dividends Paid	-360Cr	-649.31Cr	-895.6Cr	-778.68Cr	-1.08TCr
Common & Preferred Stock Dividends Paid	-360Cr	-649.31Cr	-895.6Cr	-778.68Cr	-1.08TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	6.81TCr	-833.78Cr	-1.29TCr	3.02TCr	-616.65Cr
Other Financing Activities, Total	-44Cr	-48Cr	-57Cr	-77Cr	-76Cr
Cash from Financing	6.81TCr	-1.4TCr	-1.22TCr	2.15TCr	4.06TCr
Foreign Exchange Rate Adjustments	-63Cr	-84Cr	-65Cr	-64Cr	-54Cr
Net Change in Cash	921.71Cr	983.45Cr	-3.27TCr	2.03TCr	-1.95TCr
Supplemental Items
Net Debt Issued / Repaid	94Cr	-71Cr	695.05Cr	47Cr	5.23TCr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	2.09	1.69	2.01	2.03	1.97
Return On Equity %	15.46	10.52	11.37	11.71	11.4
Return on Common Equity	14.88	10.09	10.98	11.25	11.09
Shareholders Value Added	256.89Cr	-103.75Cr	-26Cr	32Cr	-9.49Cr
Margin Analysis
SG&A Margin	33.31	36.73	28.54	28.33	29.18
Net Interest Income / Total Revenues %	85.54	90.16	83.93	80.22	79.2
EBT Excl. Non-Recurring Items Margin %	66.3	59.51	67.94	67.64	67.44
Income From Continuing Operations Margin %	59.26	52.1	59.8	59.73	60.24
Net Income Margin %	58.65	51.63	59.33	59.44	60.53
Net Avail. For Common Margin %	56.4	49.66	57.52	57.14	58.34
Normalized Net Income Margin	40.82	36.72	41.99	41.98	42.44
Asset quality
Nonperforming Loans / Total Loans %	1.68	1.56	1.59	1.19	1.14
Nonperforming Loans / Total Assets %	1.02	0.88	0.95	0.71	0.7
Nonperforming Assets / Total Assets %	1.18	0.96	1.01	0.78	0.77
NPAs / Loans and OREO	1.93	1.69	1.69	1.3	1.26
NPAs / Equity	8.84	5.38	5.72	4.56	4.38
Allowance for Credit Losses / Net Charge-offs %	2.05T	1.04T	1.07T	446.2	867.11
Allowance for Credit Losses / Nonperforming Loans %	143.45	135.46	127	139.62	135.27
Allowance for Credit Losses / Total Loans %	2.4	2.11	2.02	1.66	1.55
Provision for Loan Losses / Net Charge-offs %	453.81	373.63	158.78	40.07	85.34
Capital And Funding
Total Average Common Equity / Total Average Assets %	13.36	15.96	17.65	17.24	17.21
Total Average Equity / Total Average Assets %	13.52	16.05	17.72	17.32	17.28
Total Equity + Allowance for Loan Losses / Total Loans %	24.11	33.55	31.4	30.01	30.18
Gross Loans / Total Deposits %	78.02	77.33	85.77	91.93	100.37
Net Loans / Total Deposits %	73.94	74.32	82.78	89.13	97.63
Tier 1 Capital Ratio %	19.3	18.4	18.3	19.4	20.3
Total Capital Ratio %	20.3	19.2	19	20.1	20.8
Core Tier 1 Capital Ratio	-	-	-	17.3	17.6
Tier 2 Capital Ratio	1.07	0.81	0.75	0.76	0.54
Coverage Ratio	143.45	132.25	95.55	97.43	102.57
Interbank Ratio	33.58	46.71	23.48	30.08	29.43
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	5.7	5.72	3.62	2	1.78
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	1.86	32.58	18.37	2.75	2.67
Non Interest Income, 1 Yr. Growth %	13.81	32.86	11.43	12.85	9.6
Provision For Loan Losses, 1 Yr. Growth %	37.39	101.29	-57.45	-45.25	10.98
Total Revenues, 1 Yr. Growth %	1.84	25.78	29.01	7.5	4
Earnings From Cont. Operations, 1 Yr. Growth %	0.66	10.59	46.5	7.37	4.9
Net Income, 1 Yr. Growth %	0.34	10.73	46.67	7.69	5.91
Normalized Net Income, 1 Yr. Growth %	-0.35	12.52	47.45	7.48	5.13
Diluted EPS Before Extra, 1 Yr. Growth %	0	-18.8	35.91	6.95	6.19
Dividend Per Share, 1 Yr. Growth %	-65.22	93.75	9.68	37.25	8.57
Gross Loans, 1 Yr. Growth %	21.55	41.06	9.12	9.81	8.42
Allowance For Loan Losses, 1 Yr. Growth %	19.42	24	3.55	-9.93	1.26
Net Loans, 1 Yr. Growth %	23.01	43.03	9.6	10.31	8.77
Non Performing Loans, 1 Yr. Growth %	14.99	31.31	10.36	-18.07	4.52
Non Performing Assets, 1 Yr. Growth %	7.26	23.41	7.84	-15.49	4.89
Total Assets, 1 Yr. Growth %	18.28	52.5	3.43	9.69	6.47
Total Deposits, 1 Yr Growth %	23.92	42.3	-1.83	2.45	4.01
Tangible Book Value, 1 Yr. Growth %	16.03	51.57	3.62	8.45	12.98
Common Equity, 1 Yr. Growth %	16.02	104.25	2.33	5.98	9.47
Total Equity, 1 Yr. Growth %	15.68	102.92	2.46	5.91	9.42
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	5.04	16.2	25.52	10.28	2.71
Non Interest Income, 2 Yr. CAGR %	11.99	22.99	18.63	12.14	11.21
Provision For Loan Losses, 2 Yr. CAGR %	16.8	66.3	-7.05	-51.73	-22.05
Total Revenues, 2 Yr. CAGR %	5.59	13.18	26.71	17.77	5.73
Earnings From Cont. Operations, 2 Yr. CAGR %	9.04	5.51	27.28	25.42	6.13
Net Income, 2 Yr. CAGR %	9.2	5.41	27.44	25.68	6.8
Normalized Net Income, 2 Yr. CAGR %	8.47	6.18	28.15	25.89	6.3
Diluted EPS Before Extra, 2 Yr. CAGR %	9.16	-9.89	5.05	20.22	6.57
Dividend Per Share, 2 Yr. CAGR %	-38.28	-17.91	45.77	22.69	22.07
Gross Loans, 2 Yr. CAGR %	13.2	30.94	24.28	9.46	9.11
Allowance For Loan Losses, 2 Yr. CAGR %	8.81	21.68	13.91	-3.42	-4.5
Net Loans, 2 Yr. CAGR %	14.37	32.65	25.41	9.95	9.53
Non Performing Loans, 2 Yr. CAGR %	8.07	22.88	21.07	-4.91	-7.46
Non Performing Assets, 2 Yr. CAGR %	5.44	15.05	15.97	-4.53	-5.85
Total Assets, 2 Yr. CAGR %	15.14	34.3	25.59	6.51	8.06
Total Deposits, 2 Yr CAGR %	17.15	32.79	18.53	0.29	0.86
Tangible Book Value, 2 Yr. CAGR %	10.69	32.62	25.32	6.01	10.69
Common Equity, 2 Yr. CAGR %	10.75	53.94	44.57	4.14	7.71
Total Equity, 2 Yr. CAGR %	10.52	53.21	44.19	4.17	7.65
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	6.9	13.51	17.07	17.42	7.68
Non Interest Income, 3 Yr. CAGR %	1.06	18.57	17.02	16.67	11.29
Provision For Loan Losses, 3 Yr. CAGR %	1.01	40.03	5.88	-22.09	-36.29
Total Revenues, 3 Yr. CAGR %	5.97	11.93	17.81	19.95	12.99
Earnings From Cont. Operations, 3 Yr. CAGR %	5.08	9.56	17.71	20.27	18.17
Net Income, 3 Yr. CAGR %	5.29	9.71	17.68	20.49	18.71
Normalized Net Income, 3 Yr. CAGR %	9.5	10	18.06	20.85	18.55
Diluted EPS Before Extra, 3 Yr. CAGR %	5.15	-1.09	3.34	5.48	15.35
Dividend Per Share, 3 Yr. CAGR %	-10.96	-9.63	-9.58	42.88	17.79
Gross Loans, 3 Yr. CAGR %	10.84	21.82	23.36	19.25	9.11
Allowance For Loan Losses, 3 Yr. CAGR %	8.93	13.65	15.72	5.34	-1.89
Net Loans, 3 Yr. CAGR %	11.63	23.22	24.61	20.16	9.55
Non Performing Loans, 3 Yr. CAGR %	8.72	15.32	19.01	6.29	-1.87
Non Performing Assets, 3 Yr. CAGR %	8	11.12	12.99	4.36	-1.49
Total Assets, 3 Yr. CAGR %	10.46	26.45	23.1	20.05	6.5
Total Deposits, 3 Yr CAGR %	12.44	25	20.3	12.9	-0.04
Tangible Book Value, 3 Yr. CAGR %	8.1	22.92	22.15	19.42	8.29
Common Equity, 3 Yr. CAGR %	8	35.82	34.35	30.36	5.89
Total Equity, 3 Yr. CAGR %	7.66	35.33	33.98	30.1	5.89
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	5.51	10.14	13.99	12.3	11.1
Non Interest Income, 5 Yr. CAGR %	0.6	5.57	7.76	14.79	14.66
Provision For Loan Losses, 5 Yr. CAGR %	4.04	15.25	-2.29	-8.39	-6.33
Total Revenues, 5 Yr. CAGR %	4.31	8.18	13.83	13.98	12.82
Earnings From Cont. Operations, 5 Yr. CAGR %	4.79	6.31	13.45	15.64	12.93
Net Income, 5 Yr. CAGR %	4.71	6.34	13.64	15.84	13.2
Normalized Net Income, 5 Yr. CAGR %	6.85	9.26	16.74	15.87	13.21
Diluted EPS Before Extra, 5 Yr. CAGR %	3.85	-0.18	5.11	6.93	4.5
Dividend Per Share, 5 Yr. CAGR %	-4.99	7.76	8.45	2.13	1.95
Gross Loans, 5 Yr. CAGR %	6.38	13.8	16.03	16.8	17.45
Allowance For Loan Losses, 5 Yr. CAGR %	9.58	12.95	10.9	6.71	7.16
Net Loans, 5 Yr. CAGR %	6.51	14.35	16.95	17.81	18.34
Non Performing Loans, 5 Yr. CAGR %	10.73	15.44	13.5	7	7.62
Non Performing Assets, 5 Yr. CAGR %	9.25	12.89	11.12	4.79	5.04
Total Assets, 5 Yr. CAGR %	5.97	15.61	16.28	18.06	16.85
Total Deposits, 5 Yr CAGR %	6.14	14.21	14.84	14.59	12.11
Tangible Book Value, 5 Yr. CAGR %	7.85	15.51	14.69	15.85	17.43
Common Equity, 5 Yr. CAGR %	7.95	22.53	21.36	22.13	22.98
Total Equity, 5 Yr. CAGR %	7.63	22.12	21.01	21.88	22.75