Cash flow BBVA

Stocks

BBVA

ES0113211835

Banks

Real-time Estimate Tradegate Other stock markets 08:12:29 17/06/26 pm AEST			5-day change	1st Jan Change
21.46 ^EUR	+1.73%		+11.33%	+6.83%

05:07pm	Spanish stock market bets on moderation while awaiting the Fed	RE
17/06	Spanish Antitrust Authority Investigates Banks Over Mortgage Practices	RE

5318f.5FKMOLyh4OGLZQM33gj31EgxHesApYwBBQk638q4VtM.jGv-CtvFqpLqAHBNqzq7vH94KZs15-FybEBI75nCELXRJ7pb-MjRjs8OcA

Published financial data: BBVA

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	23.02B	28.37B	41.43B	55.22B	52.82B
Interest Income On Investments	176M	3.19B	6.54B	6.56B	5.65B
Interest Income, Total	23.19B	31.56B	47.97B	61.78B	58.47B
Interest On Deposits	7.47B	11.12B	24.76B	33.82B	26.18B
Total Interest On Borrowings	859M	1.15B	-	2.57B	5.88B
Interest Expense, Total	8.33B	12.28B	24.76B	36.39B	32.06B
Net Interest Income	14.86B	19.28B	23.21B	25.38B	26.4B
Income From Trading Activities	341M	562M	1.35B	2.46B	2.26B
Gain (Loss) on Sale of Loans	-	-	41M	20M	24M
Gain (Loss) on Sale of Assets	-16M	-119M	50M	-3M	18M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	884M	105M	417M	740M	722M
Income (Loss) on Equity Invest. (Income Block)	1M	21M	26M	40M	62M
Total Other Non Interest Income	5.37B	6.57B	6.45B	8.62B	8.26B
Non Interest Income, Total	6.58B	7.14B	8.34B	11.87B	11.34B
Revenues Before Provison For Loan Losses	21.44B	26.42B	31.55B	37.26B	37.75B
Provision For Loan Losses	3.02B	3.3B	4.39B	5.69B	6.1B
Total Revenues	18.43B	23.11B	27.16B	31.57B	31.65B
Salaries And Other Employee Benefits	5.01B	5.58B	6.53B	7.66B	7.75B
Amort. of Goodwill & Intang. Assets	1.23B	-	-	-	-
Occupancy Expense	-	1.33B	1.4B	1.53B	1.52B
Selling General & Admin Expenses, Total	2.94B	3.48B	3.92B	4.52B	4.74B
Total Other Non Interest Expense	520M	499M	665M	501M	484M
Non Interest Expense, Total	9.7B	10.89B	12.52B	14.21B	14.49B
EBT, Excl. Unusual Items	8.72B	12.22B	14.64B	17.36B	17.15B
Restructuring Charges	-754M	-	-	-	-
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-180M	28M	-42M	14M	27M
Legal Settlements	-135M	-210M	-171M	-191M	-213M
Other Unusual Items	-408M	-1.69B	-2.01B	-1.78B	-742M
EBT, Incl. Unusual Items	7.25B	10.36B	12.42B	15.4B	16.23B
Income Tax Expense	1.91B	3.53B	4B	4.83B	5.1B
Earnings From Continuing Operations	5.34B	6.83B	8.42B	10.58B	11.13B
Earnings Of Discontinued Operations	280M	-	-	-	-
Net Income to Company	5.62B	6.83B	8.42B	10.58B	11.13B
Minority Interest	-965M	-407M	-397M	-521M	-615M
Net Income - (IS)	4.65B	6.42B	8.02B	10.05B	10.51B
Preferred Dividend and Other Adjustments	359M	313M	345M	388M	397M
Net Income to Common Incl Extra Items	4.29B	6.11B	7.67B	9.67B	10.11B
Net Income to Common Excl. Extra Items	4.01B	6.11B	7.67B	9.67B	10.11B
Per Share Items
Net EPS - Basic	0.67	0.99	1.29	1.68	1.76
Basic EPS - Continuing Operations	0.63	0.99	1.29	1.68	1.76
Basic Weighted Average Shares Outstanding	6.4B	6.19B	5.95B	5.77B	5.75B
Net EPS - Diluted	0.67	0.99	1.29	1.68	1.76
Diluted EPS - Continuing Operations	0.63	0.99	1.29	1.68	1.76
Diluted Weighted Average Shares Outstanding	6.4B	6.19B	5.95B	5.77B	5.75B
Normalized Basic EPS	0.7	1.17	1.47	1.79	1.76
Normalized Diluted EPS	0.7	1.17	1.47	1.79	1.76
Dividend Per Share	0.31	0.43	0.55	0.7	0.92
Payout Ratio	19.9	34.03	35.02	38.92	39.92
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	26.34	34.08	32.23	31.35	31.43
Total Current Taxes	-	-	-	-	-
Normalized Net Income	4.49B	7.23B	8.75B	10.33B	10.11B
Non-Cash Pension Expense	64M	155M	220M	197M	168M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	33M	32M	-	-	25M
Total Stock-Based Compensation	33M	32M	-	-	25M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	6.88B	6.53B	14.67B	15.84B	15.98B
Investment Securities, Total	111B	122B	128B	139B	153B
Trading Asset Securities, Total	125B	112B	142B	110B	124B
Total investments	237B	235B	270B	249B	277B
Gross Loans	347B	385B	408B	446B	500B
Allowance For Loan Losses	-11.12B	-11.24B	-11.27B	-11.61B	-12.3B
Net Loans	336B	373B	397B	434B	488B
Gross Property Plant And Equipment	12.81B	14.58B	16.01B	17.1B	17.29B
Accumulated Depreciation	-5.62B	-6.04B	-6.88B	-7.52B	-7.97B
Net Property Plant And Equipment	7.19B	8.54B	9.13B	9.58B	9.32B
Goodwill	818M	707M	795M	700M	715M
Other Intangibles, Total	1.38B	1.45B	1.57B	1.79B	2.14B
Investment in Real Estate	109M	202M	124M	175M	163M
Accrued Interest Receivable	730M	1.49B	1.37B	1.86B	2.1B
Other Receivables	932M	1.98B	2.86B	4.3B	4B
Restricted Cash	55B	67.31B	60.75B	35.31B	42.86B
Other Current Assets, Total	647M	1.34B	256M	1.52B	1.49B
Deferred Tax Assets Long-Term (Collected)	14.92B	14.49B	14.64B	14.35B	13.87B
Other Real Estate Owned And Foreclosed	838M	12M	943M	610M	524M
Other Long-Term Assets, Total	1.05B	1.01B	1.42B	2.55B	1.78B
Total Assets	663B	713B	776B	772B	860B
Liabilities
Accrued Expenses, Total	2.14B	2.57B	2.88B	3.07B	3.46B
Interest Bearing Deposits	107B	122B	118B	129B	159B
Non-Interest Bearing Deposits	301B	328B	324B	339B	367B
Total Deposits	407B	449B	442B	468B	526B
Short-Term Borrowings	44.78B	51.77B	68.36B	64.79B	63.45B
Current Portion of Leases	218M	142M	236M	175M	227M
Long-Term Debt	59.16B	58.72B	72.68B	74.46B	87.84B
Long-Term Leases	2.34B	1.26B	1.27B	1.29B	1.24B
Current Income Taxes Payable	644M	1.42B	878M	575M	1.48B
Accrued Interest Payable	-	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	65.12B	63.44B	93.8B	59.09B	67.03B
Pension & Other Post Retirement Benefits	4.21B	3.1B	3.01B	2.73B	2.6B
Deferred Tax Liability Non-Current	1.77B	1.33B	1.68B	2.46B	2.54B
Other Non Current Liabilities	26.44B	29.54B	33.64B	35.32B	41.69B
Total Liabilities	614B	663B	720B	712B	798B
Common Stock, Total	3.27B	2.96B	2.86B	2.82B	2.8B
Additional Paid In Capital	23.6B	20.86B	19.77B	19.18B	18.47B
Retained Earnings	35.96B	38.23B	43.3B	49.08B	55.02B
Treasury Stock	-647M	-29M	-34M	-66M	-299M
Comprehensive Income and Other	-18.27B	-15.02B	-14.2B	-15.37B	-18.63B
Total Common Equity	43.91B	46.99B	51.7B	55.65B	57.36B
Minority Interest	4.85B	3.62B	3.56B	4.36B	4.44B
Total Equity	48.76B	50.62B	55.26B	60.01B	61.8B
Total Liabilities And Equity	663B	713B	776B	772B	860B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	6.54B	6.02B	5.83B	5.76B	5.69B
ECS Total Common Shares Outstanding	6.54B	6.02B	5.83B	5.76B	5.69B
Book Value / Share	6.71	7.8	8.86	9.67	10.08
Tangible Book Value	41.71B	44.84B	49.34B	53.16B	54.5B
Tangible Book Value Per Share	6.38	7.44	8.46	9.24	9.58
Tangible Book Value Per Share (As Reported)	6.52	7.44	8.46	-	9.69
Average Assets	679B	702B	748B	778B	817B
Average Loans	325B	357B	378B	417B	-
Total Debt	107B	112B	143B	141B	153B
Deposits at Interest - Cash	-	-	-	-	-
Debt Equivalent of Unfunded Proj. Benefit Obligation	3.68B	2.66B	2.59B	2.45B	2.31B
Net Debt	-34.4B	-18.33B	-20.42B	5.42B	4.24B
Equity Method Investments, Total	901M	916M	976M	989M	994M
Full Time Employees	110K	116K	116K	126K	123K
Part Time Employees	-	-	224	-	175
Number Of Offices	6.08K	6.04K	5.95K	5.75K	5.64K
Assets on Operating Lease - Gross	267M	582M	800M	1.16B	1.08B
Assets on Operating Lease - Accumulated Depreciation	-33M	-52M	-49M	-153M	-206M

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	4.65B	6.42B	8.02B	10.05B	10.51B
Depreciation, Depletion & Amortization	740M	818M	866M	972M	946M
Amortization of Goodwill and Intangible Assets - (CF)	48M	20M	19M	18M	9M
Total Depreciation, Depletion & Amortization	788M	838M	885M	990M	955M
Amortization of Deferred Charges, Total	446M	490M	518M	543M	566M
Change in Trading Asset Securities	-9.89B	14.84B	-25.41B	27.45B	-13.46B
Change in Other Net Operating Assets (Collected)	-3.11B	-6.48B	9.48B	-65.4B	6.26B
Other Operating Activities	5.87B	7.61B	5.79B	8.17B	10.14B
Cash from Operations	-1.24B	23.72B	-721M	-18.19B	14.97B
Capital Expenditure	-396M	-1.81B	-1.13B	-1.2B	-827M
Sale of Property, Plant, and Equipment	78M	29M	92M	104M	83M
Cash Acquisitions	-	-1.39B	-	-28M	-
Divestitures	220M	-	21M	73M	50M
Purchase / Sale of Intangible Assets	-550M	-630M	-690M	-816M	-979M
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	543M	46M	-35M	31M	82M
Other Investing Activities, Total	-1.53B	-155M	322M	408M	188M
Cash from Investing	-1.63B	-3.91B	-1.42B	-1.42B	-1.4B
Long-Term Debt Issued, Total	-	-	4.67B	5.51B	4.99B
Total Debt Issued	-	-	4.67B	5.51B	4.99B
Long-Term Debt Repaid, Total	-2.3B	-2.26B	-1.63B	-2.6B	-2.65B
Total Debt Repaid	-2.3B	-2.26B	-1.63B	-2.6B	-2.65B
Issuance of Common Stock	438M	434M	711M	691M	757M
Repurchase of Common Stock	-1.02B	-2.98B	-2.17B	-1.53B	-2B
Common Dividends Paid	-926M	-2.18B	-2.81B	-3.91B	-4.2B
Common & Preferred Stock Dividends Paid	-926M	-2.18B	-2.81B	-3.91B	-4.2B
Other Financing Activities, Total	-538M	-571M	-622M	-731M	-579M
Cash from Financing	-4.35B	-7.56B	-1.84B	-2.57B	-3.67B
Foreign Exchange Rate Adjustments	-1.86B	-288M	-357M	-2.09B	-2.2B
Miscellaneous Cash Flow Adjustments	-	1M	-	-	1M
Net Change in Cash	-9.09B	11.96B	-4.34B	-24.27B	7.69B
Supplemental Items
Cash Income Tax Paid (Refund)	1.55B	3.23B	5.35B	5.63B	3.33B
Net Debt Issued / Repaid	-2.3B	-2.26B	3.04B	2.92B	2.34B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.76	0.99	1.13	1.37	1.36
Return On Equity %	10.81	13.74	15.91	18.35	18.27
Return on Common Equity	9.08	13.44	15.57	18.01	17.9
Shareholders Value Added	-135M	986M	2.12B	3.63B	3.74B
Margin Analysis
SG&A Margin	43.13	44.95	43.65	43.43	44.27
Net Interest Income / Total Revenues %	80.66	83.4	85.44	80.41	83.43
EBT Excl. Non-Recurring Items Margin %	47.35	52.89	53.9	54.98	54.2
Income From Continuing Operations Margin %	28.97	29.54	30.99	33.5	35.16
Net Income Margin %	25.25	27.78	29.52	31.85	33.21
Net Avail. For Common Margin %	21.78	26.42	28.25	30.62	31.96
Normalized Net Income Margin	24.35	31.3	32.22	32.71	31.93
Asset quality
Nonperforming Loans / Total Loans %	4.23	3.51	3.54	3.19	2.87
Nonperforming Loans / Total Assets %	2.21	1.89	1.86	1.84	1.67
Nonperforming Assets / Total Assets %	2.3	1.89	1.98	1.95	1.76
NPAs / Loans and OREO	4.38	3.51	3.76	3.37	3.02
NPAs / Equity	31.22	26.68	27.85	25.09	24.42
Allowance for Credit Losses / Net Charge-offs %	468.63	654.84	417.06	395.74	361.68
Allowance for Credit Losses / Nonperforming Loans %	75.84	83.28	78.01	81.69	85.72
Allowance for Credit Losses / Total Loans %	3.2	2.92	2.76	2.6	2.46
Net Charge-offs / Total Average Loans %	0.73	0.48	0.71	0.7	-
Provision for Loan Losses / Net Charge-offs %	127.19	192.48	162.32	193.83	179.44
Earning Assets / IBL	-	-	-	104.68	-
Interest Income / Average Assets	3.42	4.5	6.41	7.94	7.16
Interest Expense / Average Assets	1.23	1.75	3.31	4.68	3.92
Net Interest Income / Average Assets	2.19	2.75	3.1	3.26	3.23
Non Interest Income / Average Assets	0.97	1.02	1.11	1.53	1.39
Non Interest Expense / Average Asset	1.43	1.55	1.67	1.83	1.77
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.33	6.61	6.63	6.94	6.92
Total Average Equity / Total Average Assets %	7.07	7.22	7.11	7.45	7.46
Total Equity + Allowance for Loan Losses / Total Loans %	15.86	15.14	15.43	15.08	13.93
Gross Loans / Total Deposits %	85.17	85.61	92.33	95.2	95.01
Net Loans / Total Deposits %	82.44	83.11	89.78	92.73	92.67
Tier 1 Capital Ratio %	14.84	14.22	14.33	14.4	14.08
Total Capital Ratio %	17.24	15.98	16.58	16.9	17.21
Core Tier 1 Capital Ratio	12.98	12.68	12.67	12.88	12.7
Tier 2 Capital Ratio	2.4	1.76	2.25	2.5	3.13
Coverage Ratio	75.84	83.28	78.01	81.69	85.72
Interbank Ratio	66.94	59.52	43.65	65.85	65.93
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	9.44	9.97	-	6.99	3.76
EBT + Interest Expense / Interest Expense	1.87	1.84	1.5	1.42	1.51
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	0.92	29.7	20.58	9.38	4.01
Non Interest Income, 1 Yr. Growth %	11.15	5.68	18.62	42.35	-4.33
Provision For Loan Losses, 1 Yr. Growth %	-41.53	9.48	32.79	29.66	7.28
Total Revenues, 1 Yr. Growth %	18.97	24.26	18.22	16.23	0.29
Earnings From Cont. Operations, 1 Yr. Growth %	40.84	27.89	24.44	25.65	5.21
Net Income, 1 Yr. Growth %	256.55	37.98	26.12	25.38	4.55
Normalized Net Income, 1 Yr. Growth %	54.56	75.28	21.89	17.99	-2.06
Diluted EPS Before Extra, 1 Yr. Growth %	57.66	57.35	31.96	29.98	5.02
Dividend Per Share, 1 Yr. Growth %	425.42	38.71	27.91	27.27	31.43
Gross Loans, 1 Yr. Growth %	1.19	10.88	6.26	9.31	12.1
Allowance For Loan Losses, 1 Yr. Growth %	-8.17	1.09	0.28	3.03	5.91
Net Loans, 1 Yr. Growth %	1.54	11.2	6.44	9.49	12.27
Non Performing Loans, 1 Yr. Growth %	-0.14	-7.94	7.06	-1.61	0.94
Non Performing Assets, 1 Yr. Growth %	-1.66	-11.29	-1.49	-2.14	0.19
Total Assets, 1 Yr. Growth %	-9.66	7.58	8.91	-0.41	11.29
Total Deposits, 1 Yr Growth %	0.69	10.3	-1.77	6.01	12.34
Tangible Book Value, 1 Yr. Growth %	-1.17	7.5	10.28	7.75	2.51
Average Interest Earning Assets, 1 Yr. Growth %	-	-	-	3.24	-
Average Interest Bearing Liabilities, 1 Yr. Growth %	-	-	-	3.25	-
Common Equity, 1 Yr. Growth %	-1.44	7.03	10.25	7.65	3.06
Total Equity, 1 Yr. Growth %	-2.52	3.81	9.4	8.59	2.97
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-3.45	14.4	24.96	14.84	6.67
Non Interest Income, 2 Yr. CAGR %	5.94	8.97	11.11	29.94	16.83
Provision For Loan Losses, 2 Yr. CAGR %	-6.76	-19.99	20.57	31.22	17.94
Total Revenues, 2 Yr. CAGR %	0.25	21.79	20.84	17.22	8
Earnings From Cont. Operations, 2 Yr. CAGR %	2.28	34.21	25.56	25.05	14.98
Net Income, 2 Yr. CAGR %	15.1	121.8	31.28	25.75	14.49
Normalized Net Income, 2 Yr. CAGR %	6.07	56.27	45.63	19.92	7.56
Diluted EPS Before Extra, 2 Yr. CAGR %	4.05	57.51	43.36	30.97	16.83
Dividend Per Share, 2 Yr. CAGR %	9.19	169.97	33.2	27.59	29.33
Gross Loans, 2 Yr. CAGR %	-8.24	5.92	8.45	7.77	10.7
Allowance For Loan Losses, 2 Yr. CAGR %	-5.33	-3.65	0.69	1.65	4.46
Net Loans, 2 Yr. CAGR %	-8.33	6.26	8.7	7.95	10.87
Non Performing Loans, 2 Yr. CAGR %	-4.17	-4.12	-0.72	2.63	-0.35
Non Performing Assets, 2 Yr. CAGR %	-5.54	-6.6	0.53	1.69	-0.98
Total Assets, 2 Yr. CAGR %	-2.37	-1.42	8.17	4.15	5.28
Total Deposits, 2 Yr CAGR %	-3.33	5.38	4.16	2.05	9.13
Tangible Book Value, 2 Yr. CAGR %	-0.06	3.07	8.76	9.01	5.1
Average Interest Earning Assets, 2 Yr. CAGR %	-	-	-	5.3	-
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	-	-	4.98	-
Common Equity, 2 Yr. CAGR %	-5.07	2.71	8.51	8.94	5.33
Total Equity, 2 Yr. CAGR %	-5.78	0.6	6.46	8.99	5.74
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-1.24	6.53	16.36	19.54	11.11
Non Interest Income, 3 Yr. CAGR %	-0.96	6.79	13.75	20.67	17.29
Provision For Loan Losses, 3 Yr. CAGR %	-6.41	-1.63	-5.27	23.53	22.7
Total Revenues, 3 Yr. CAGR %	-0.18	8.02	21.26	19.29	11.27
Earnings From Cont. Operations, 3 Yr. CAGR %	-1.13	10.19	30.46	25.59	18.05
Net Income, 3 Yr. CAGR %	-4.84	22.27	83.16	29.28	18.24
Normalized Net Income, 3 Yr. CAGR %	1.64	21.95	49.59	35.76	12.07
Diluted EPS Before Extra, 3 Yr. CAGR %	-0.68	19.43	58.21	38.76	21.68
Dividend Per Share, 3 Yr. CAGR %	6.04	18.26	110.46	31.19	28.86
Gross Loans, 3 Yr. CAGR %	-4.67	-2.27	7.04	8.74	9.2
Allowance For Loan Losses, 3 Yr. CAGR %	-3.1	-3.23	-	1.46	3.05
Net Loans, 3 Yr. CAGR %	-4.72	-2.24	6.04	8.96	9.37
Non Performing Loans, 3 Yr. CAGR %	-3.6	-5.44	-0.53	-1.02	2.06
Non Performing Assets, 3 Yr. CAGR %	-5.54	-7.5	-0.2	-0.36	1.19
Total Assets, 3 Yr. CAGR %	-0.64	0.84	1.86	5.23	6.48
Total Deposits, 3 Yr CAGR %	-1.79	1.02	2	4.77	5.37
Tangible Book Value, 3 Yr. CAGR %	2.44	2.4	5.35	8.42	6.8
Average Interest Earning Assets, 3 Yr. CAGR %	-	-	-	-	-
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	-	-	-	-
Common Equity, 3 Yr. CAGR %	-2.32	-1.2	5.09	8.22	6.94
Total Equity, 3 Yr. CAGR %	-2.66	-2.69	3.38	7.17	6.95
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-3.24	1.27	8.5	9.75	12.38
Non Interest Income, 5 Yr. CAGR %	-1.13	3.01	4.25	15.15	14.9
Provision For Loan Losses, 5 Yr. CAGR %	-3.46	-2.12	3.57	10.39	3.41
Total Revenues, 5 Yr. CAGR %	-2.48	2.36	7.95	11.48	15.74
Earnings From Cont. Operations, 5 Yr. CAGR %	2.61	7.49	8.79	15.69	24.03
Net Income, 5 Yr. CAGR %	6.01	12.81	8.23	23.41	51.78
Normalized Net Income, 5 Yr. CAGR %	7.94	15.73	15.42	20.96	31.05
Diluted EPS Before Extra, 5 Yr. CAGR %	5.16	16.49	15.03	23.67	40.14
Dividend Per Share, 5 Yr. CAGR %	14.14	12.37	16.17	21.91	73.22
Gross Loans, 5 Yr. CAGR %	-4.98	-1.2	0.38	1.6	8.49
Allowance For Loan Losses, 5 Yr. CAGR %	-7.04	-2.55	-1.6	-1.31	-
Net Loans, 5 Yr. CAGR %	-4.91	-1.16	0.44	1.68	7.95
Non Performing Loans, 5 Yr. CAGR %	-8.56	-7.01	-2.46	-2.29	-0.46
Non Performing Assets, 5 Yr. CAGR %	-10.06	-11.2	-3.16	-2.47	-0.51
Total Assets, 5 Yr. CAGR %	-1.96	0.66	2.8	2.12	3.21
Total Deposits, 5 Yr CAGR %	-2.11	0.98	0.54	1.45	4.79
Tangible Book Value, 5 Yr. CAGR %	2.11	3.43	4.92	4.95	5.25
Average Interest Earning Assets, 5 Yr. CAGR %	-	-	-	-	-
Average Interest Bearing Liabilities, 5 Yr. CAGR %	-	-	-	-	-
Common Equity, 5 Yr. CAGR %	-1.5	0.28	1.88	2.69	5.18
Total Equity, 5 Yr. CAGR %	-2.53	-1.04	0.89	1.79	4.32