Balance Sheet Capital One Financial Corporation

Stocks

COF

US14040H1059

Consumer Lending

Real-time Estimate Cboe BZX Other stock markets 19:11:48 13/07/2026 +04			5-day change	1st Jan Change
202.58 ^USD	+0.53%		-1.96%	-16.46%

03:08pm	JPMorgan Adjusts Price Target on Capital One Financial to $245 From $215, Maintains Overweight Rating	MT
01:43pm	HSBC Upgrades Capital One Financial to Buy From Hold, Adjusts Price Target to $229 From $226	MT

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Published financial data: CAPITAL ONE FINANCIAL CORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	24.26B	28.91B	37.41B	40.89B	53.02B
Interest Income On Investments	1.51B	2.33B	4.53B	5.14B	5.68B
Interest Income, Total	25.77B	31.24B	41.94B	46.03B	58.7B
Interest On Deposits	956M	2.54B	9.49B	11.49B	12.92B
Total Interest On Borrowings	642M	1.59B	3.21B	3.33B	2.89B
Interest Expense, Total	1.6B	4.12B	12.7B	14.83B	15.82B
Net Interest Income	24.17B	27.11B	29.24B	31.21B	42.88B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	2M	-	-34M	-35M	-
Total Other Non Interest Income	6.26B	7.14B	7.58B	7.94B	10.56B
Non Interest Income, Total	6.26B	7.14B	7.55B	7.9B	10.56B
Revenues Before Provison For Loan Losses	30.44B	34.25B	36.79B	39.11B	53.43B
Provision For Loan Losses	-1.94B	5.85B	10.43B	11.72B	20.66B
Total Revenues	32.38B	28.4B	26.36B	27.4B	32.78B
Salaries And Other Employee Benefits	7.06B	8.08B	8.75B	8.79B	11.64B
Amort. of Goodwill & Intang. Assets	29M	70M	82M	77M	1.33B
Occupancy Expense	1.66B	1.73B	1.87B	2.09B	2.89B
Selling General & Admin Expenses, Total	6.28B	7.88B	7.5B	8.52B	11.19B
Total Other Non Interest Expense	1.38B	1.42B	2.11B	2.01B	3.46B
Non Interest Expense, Total	16.4B	19.16B	20.32B	21.49B	30.5B
EBT, Excl. Unusual Items	15.98B	9.24B	6.04B	5.91B	2.28B
Insurance Settlements	-	-	-	-	-
Legal Settlements	-	-	-	-	-
Other Unusual Items	-166M	-	-	-	-
EBT, Incl. Unusual Items	15.81B	9.24B	6.04B	5.91B	2.28B
Income Tax Expense	3.42B	1.88B	1.16B	1.16B	193M
Earnings From Continuing Operations	12.39B	7.36B	4.89B	4.75B	2.09B
Earnings Of Discontinued Operations	-4M	-	-	3M	365M
Net Income to Company	12.39B	7.36B	4.89B	4.75B	2.45B
Net Income - (IS)	12.39B	7.36B	4.89B	4.75B	2.45B
Preferred Dividend and Other Adjustments	425M	316M	305M	305M	272M
Net Income to Common Incl Extra Items	11.96B	7.04B	4.58B	4.44B	2.18B
Net Income to Common Excl. Extra Items	11.97B	7.04B	4.58B	4.44B	1.82B
Per Share Items
Net EPS - Basic	27.04	17.98	11.98	11.61	4.03
Basic EPS - Continuing Operations	27.05	17.98	11.98	11.61	3.36
Basic Weighted Average Shares Outstanding	442M	392M	382M	383M	541M
Net EPS - Diluted	26.94	17.91	11.95	11.59	4.03
Diluted EPS - Continuing Operations	26.95	17.91	11.95	11.58	3.36
Diluted Weighted Average Shares Outstanding	444M	393M	383M	384M	541M
Normalized Basic EPS	22.56	14.74	9.88	9.65	2.64
Normalized Diluted EPS	22.48	14.69	9.85	9.63	2.63
Dividend Per Share	2	2.4	2.4	2.4	2.6
Payout Ratio	9.34	16.01	23.72	24.42	72.08
American Depositary Receipts Ratio (ADR)	0.5	0.5	0.5	0.5	0.5
Supplemental Items
Effective Tax Rate - (Ratio)	21.6	20.35	19.16	19.68	8.46
Current Domestic Taxes	2.66B	2.55B	1.8B	1.99B	2.01B
Current Foreign Taxes	152M	104M	76M	23M	90M
Total Current Taxes	2.81B	2.65B	1.88B	2.02B	2.1B
Deferred Domestic Taxes	581M	-774M	-692M	-882M	-1.9B
Deferred Foreign Taxes	24M	2M	-31M	29M	-8M
Total Deferred Taxes	605M	-772M	-723M	-853M	-1.91B
Normalized Net Income	9.98B	5.78B	3.78B	3.69B	1.43B
Non-Cash Pension Expense	-12M	-8M	-6M	-6M	-
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	364M	350M	552M	611M	829M
Total Stock-Based Compensation	364M	350M	552M	611M	829M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	21.75B	30.86B	43.3B	43.23B	57.43B
Investment Securities, Total	12.37B	6.48B	7.22B	11.14B	14.78B
Trading Asset Securities, Total	2.15B	1.96B	1.67B	1.18B	1.79B
Mortgage Backed Securities	82.98B	70.46B	71.96B	73.15B	77.62B
Total investments	97.5B	78.9B	80.85B	85.47B	94.19B
Gross Loans	277B	312B	321B	328B	454B
Allowance For Loan Losses	-11.43B	-13.24B	-15.3B	-16.26B	-23.41B
Net Loans	266B	299B	305B	312B	430B
Gross Property Plant And Equipment	9.88B	10.48B	10.56B	11.09B	13.18B
Accumulated Depreciation	-4.53B	-5B	-5.18B	-5.6B	-6.6B
Net Property Plant And Equipment	5.35B	5.48B	5.38B	5.48B	6.58B
Goodwill	14.78B	14.78B	15.06B	15.06B	28.51B
Other Intangibles, Total	111M	159M	310M	233M	16.58B
Investment in FHLB	32M	15M	18M	18M	89M
Loans Held For Sale	5.89B	203M	854M	202M	760M
Accrued Interest Receivable	1.46B	2.1B	2.48B	2.53B	3.49B
Restricted Cash	308M	400M	458M	441M	4.66B
Other Current Assets, Total	206M	158M	123M	-	5M
Other Real Estate Owned And Foreclosed	40M	55M	45M	65M	115M
Other Long-Term Assets, Total	19.01B	23.01B	24.37B	25.86B	26.39B
Total Assets	432B	455B	478B	490B	669B
Liabilities
Accrued Expenses, Total	6.2B	6.8B	7.4B	8.2B	11.1B
Interest Bearing Deposits	271B	295B	305B	321B	431B
Institutional Deposits	1.8B	6.1B	15.8B	15.2B	17.4B
Non-Interest Bearing Deposits	38.04B	32.2B	28.02B	26.12B	27.38B
Total Deposits	311B	333B	348B	363B	476B
Short-Term Borrowings	2.14B	4.2B	2.87B	2.29B	2.72B
Current Portion of Long-Term Debt	8B	5.32B	7.11B	9.5B	8.42B
Current Portion of Leases	299M	278M	250M	244M	254M
Long-Term Debt	34.21B	42.47B	42.18B	35.46B	40.43B
Federal Home Loan Bank Debt - Long-Term	-	-	-	-	1.04B
Long-Term Leases	1.24B	1.21B	1.09B	1.05B	1.03B
Accrued Interest Payable	281M	527M	649M	666M	844M
Pension & Other Post Retirement Benefits	21M	15M	13M	11M	10M
Other Non Current Liabilities	7.98B	8.84B	10.4B	9.23B	13.78B
Total Liabilities	371B	403B	420B	429B	555B
Preferred Stock - Others	4.84B	4.84B	4.84B	4.84B	5.41B
Total Preferred Equity	4.84B	4.84B	4.84B	4.84B	5.41B
Common Stock, Total	7M	7M	7M	7M	7M
Additional Paid In Capital	29.27B	29.88B	30.7B	31.58B	58.62B
Retained Earnings	51.01B	57.18B	60.94B	64.5B	65.19B
Treasury Stock	-24.47B	-29.42B	-30.14B	-30.87B	-10.15B
Comprehensive Income and Other	374M	-9.92B	-8.27B	-9.29B	-5.47B
Total Common Equity	56.18B	47.74B	53.24B	55.94B	108B
Total Equity	61.03B	52.58B	58.09B	60.78B	114B
Total Liabilities And Equity	432B	455B	478B	490B	669B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	414M	381M	380M	381M	622M
ECS Total Common Shares Outstanding	414M	381M	380M	381M	625M
Book Value / Share	135.76	125.19	139.97	146.73	173.11
Tangible Book Value	41.29B	32.8B	37.87B	40.65B	63.12B
Tangible Book Value Per Share	99.77	86.02	99.55	106.62	100.98
Tangible Book Value Per Share (As Reported)	99.74	86.11	99.78	106.97	107.72
Average Assets	425B	441B	468B	480B	598B
Average Loans	257B	294B	312B	318B	397B
Total Debt	45.9B	53.49B	53.5B	48.54B	53.89B
Deposits at Interest - Cash	17.58B	25.66B	38.39B	40.2B	54.4B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-110M	-94M	-109M	-123M	-142M
Net Debt	22B	20.67B	8.54B	4.14B	-5.34B
Equity Method Investments, Total	50M	-	-	-	-
Full Time Employees	50.77K	55.94K	51.99K	52.6K	76.3K

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	12.39B	7.36B	4.89B	4.75B	2.45B
Depreciation, Depletion & Amortization	3.37B	3.05B	3.06B	3.08B	3.85B
Amortization of Goodwill and Intangible Assets - (CF)	108M	163M	170M	154M	1.41B
Total Depreciation, Depletion & Amortization	3.48B	3.21B	3.23B	3.24B	5.26B
Gain (Loss) on Sale of Loans & Receivables - (CF)	1M	-196M	6M	29M	3M
(Gain) Loss on Sale of Investments - (CF)	-2M	9M	34M	35M	-
Provision for Credit Losses	-1.94B	5.85B	10.43B	11.72B	20.66B
Stock-Based Compensation (CF)	331M	314M	513M	569M	776M
Net (Increase) Decrease in Loans Originated / Sold - Operating	-18M	857M	-170M	182M	-510M
Changes in Accrued Interest Receivable	17M	-641M	-359M	-54M	-34M
Changes in Accrued Interest Payable	-71M	246M	122M	17M	-169M
Change in Other Net Operating Assets (Collected)	-2.52B	-2.46B	2.56B	-1.53B	1.48B
Other Operating Activities	651M	-732M	-672M	-788M	-2.28B
Net Cash From Discontinued Operations	-6M	-3M	-	-4M	84M
Cash from Operations	12.31B	13.81B	20.58B	18.16B	27.72B
Capital Expenditure	-698M	-934M	-961M	-1.2B	-1.58B
Cash Acquisitions	-669M	-1.18B	-2.78B	-	16.46B
Investment in Marketable and Equity Securities, Total	1.86B	6.79B	-1.32B	-5.16B	9.44B
Net (Increase) Decrease in Loans Originated / Sold - Investing	-31.33B	-33.79B	-15.53B	-18.43B	-31.75B
Other Investing Activities, Total	-668M	-628M	-1.32B	-1.62B	6.98B
Cash from Investing	-31.5B	-29.74B	-21.92B	-26.41B	-444M
Short Term Debt Issued, Total	-	-	-	-	-
Long-Term Debt Issued, Total	10.85B	31.04B	11.51B	5.82B	9.03B
Total Debt Issued	10.85B	31.04B	11.51B	5.82B	9.03B
Long-Term Debt Repaid, Total	-7.29B	-22.62B	-11.27B	-10.24B	-17.86B
Total Debt Repaid	-7.29B	-22.62B	-11.27B	-10.24B	-17.86B
Issuance of Common Stock	308M	295M	309M	327M	409M
Repurchase of Common Stock	-7.6B	-4.95B	-718M	-734M	-4.1B
Issuance of Preferred Stock	2.05B	-	-	-	-
Repurchase of Preferred Stock	-2.1B	-	-	-	-500M
Common Dividends Paid	-883M	-950M	-931M	-932M	-1.52B
Preferred Dividends Paid	-274M	-228M	-228M	-228M	-252M
Common & Preferred Stock Dividends Paid	-1.16B	-1.18B	-1.16B	-1.16B	-1.77B
Net Increase (Decrease) in Deposit Accounts - (CF)	5.69B	22.54B	15.17B	14.16B	5.93B
Special Dividend Paid	-265M	-	-	-	-
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	474M	25.13B	13.84B	8.17B	-8.85B
Net Change in Cash	-18.72B	9.2B	12.5B	-84M	18.42B
Supplemental Items
Cash Interest Paid	2.16B	3.61B	10.82B	13.2B	14.89B
Cash Income Tax Paid (Refund)	2.53B	1.85B	1.36B	1.1B	806M
Net Debt Issued / Repaid	3.55B	8.42B	240M	-4.42B	-8.82B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	2.9	1.66	1.05	0.98	0.36
Return On Equity %	20.45	12.96	8.83	7.99	2.39
Return on Common Equity	21.46	13.56	9.07	8.14	2.21
Shareholders Value Added	5.81B	1.29B	-1B	-1.65B	-5.99B
Margin Analysis
SG&A Margin	46.32	62.24	68.75	70.81	78.45
Net Interest Income / Total Revenues %	74.65	95.46	110.93	113.91	130.81
EBT Excl. Non-Recurring Items Margin %	49.34	32.53	22.93	21.57	6.96
Income From Continuing Operations Margin %	38.28	25.91	18.54	17.33	6.37
Net Income Margin %	38.27	25.91	18.54	17.34	7.48
Net Avail. For Common Margin %	36.97	24.8	17.38	16.21	5.54
Normalized Net Income Margin	30.84	20.33	14.33	13.48	4.35
Asset quality
Nonperforming Loans / Total Loans %	0.4	0.43	0.48	0.61	0.4
Nonperforming Loans / Total Assets %	0.25	0.3	0.32	0.41	0.27
Nonperforming Assets / Total Assets %	0.26	0.31	0.33	0.42	0.29
NPAs / Loans and OREO	0.41	0.45	0.5	0.63	0.43
NPAs / Equity	1.87	2.67	2.74	3.39	1.7
Allowance for Credit Losses / Net Charge-offs %	511.64	333.25	181.79	151.27	178.67
Allowance for Credit Losses / Nonperforming Loans %	1.04K	985.12	1K	814.94	1.29K
Allowance for Credit Losses / Total Loans %	4.12	4.24	4.77	4.96	5.16
Net Charge-offs / Total Average Loans %	0.87	1.35	2.7	3.38	3.3
Provision for Loan Losses / Net Charge-offs %	-87.02	147.17	123.91	109.01	157.65
Earning Assets / IBL	124.94	123.26	120.92	121.01	120.86
Interest Income / Average Assets	6.07	7.09	8.96	9.58	9.82
Interest Expense / Average Assets	0.38	0.94	2.71	3.09	2.65
Net Interest Income / Average Assets	5.69	6.15	6.25	6.5	7.18
Non Interest Income / Average Assets	1.48	1.62	1.61	1.65	1.77
Non Interest Expense / Average Asset	3.86	4.35	4.34	4.47	5.1
Capital And Funding
Total Average Common Equity / Total Average Assets %	13.06	11.71	10.81	11.27	14.16
Total Average Equity / Total Average Assets %	14.2	12.8	11.85	12.27	15.05
Total Equity + Allowance for Loan Losses / Total Loans %	26.12	21.07	22.9	23.5	30.21
Gross Loans / Total Deposits %	89.2	93.81	91.99	90.38	95.34
Net Loans / Total Deposits %	85.52	89.83	87.6	85.9	90.42
Tier 1 Capital Ratio %	14.5	13.9	14.2	14.8	15.3
Total Capital Ratio %	16.9	15.8	16	16.4	17.2
Core Tier 1 Capital Ratio	13.1	12.5	12.9	13.5	14.3
Tier 2 Capital Ratio	2.33	1.99	1.8	1.63	1.86
Equity Tier 1 Capital Ratio	9.9	7.5	8.2	8.6	10.7
Coverage Ratio	-	-	-	-	-
Leverage Ratio %	11.6	11.1	11.2	11.6	12.5
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	25.62	6.82	2.88	2.77	1.79
EBT + Interest Expense / Interest Expense	10.89	3.24	1.48	1.4	1.14
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	5.49	12.18	7.84	6.73	37.39
Non Interest Income, 1 Yr. Growth %	11.66	13.92	5.75	4.74	33.55
Provision For Loan Losses, 1 Yr. Growth %	-118.94	-400.77	78.31	12.37	76.3
Total Revenues, 1 Yr. Growth %	77.33	-12.28	-7.19	3.93	19.65
Earnings From Cont. Operations, 1 Yr. Growth %	356.16	-40.62	-33.6	-2.86	-56.01
Net Income, 1 Yr. Growth %	356.52	-40.6	-33.6	-2.8	-48.36
Normalized Net Income, 1 Yr. Growth %	361.17	-41.55	-34.58	-2.23	-61.4
Diluted EPS Before Extra, 1 Yr. Growth %	419.27	-33.54	-33.28	-3.1	-71
Dividend Per Share, 1 Yr. Growth %	100	20	0	0	8.33
Gross Loans, 1 Yr. Growth %	10.21	12.61	2.61	2.28	38.39
Allowance For Loan Losses, 1 Yr. Growth %	-26.56	15.84	15.53	6.29	43.98
Net Loans, 1 Yr. Growth %	12.64	12.47	2.03	2.08	38.1
Non Performing Loans, 1 Yr. Growth %	10.55	22.18	13.69	30.56	-8.82
Non Performing Assets, 1 Yr. Growth %	9.71	23.14	13.17	29.56	-6.12
Total Assets, 1 Yr. Growth %	2.56	5.29	5.1	2.44	36.49
Total Deposits, 1 Yr Growth %	1.81	7.08	4.63	4.1	31.17
Tangible Book Value, 1 Yr. Growth %	1.67	-20.56	15.45	7.34	55.29
Average Interest Earning Assets, 1 Yr. Growth %	2.9	4.45	8.51	2.77	20.55
Average Interest Bearing Liabilities, 1 Yr. Growth %	0.1	5.86	10.61	2.7	20.7
Common Equity, 1 Yr. Growth %	1.49	-15.03	11.54	5.06	93.44
Total Equity, 1 Yr. Growth %	1.37	-13.84	10.47	4.64	86.92
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	1.76	8.78	9.99	7.28	21.09
Non Interest Income, 2 Yr. CAGR %	9.2	12.78	9.76	5.24	18.27
Provision For Loan Losses, 2 Yr. CAGR %	-44.17	-24.52	131.59	41.55	40.75
Total Revenues, 2 Yr. CAGR %	20.34	24.72	-9.77	-1.79	11.51
Earnings From Cont. Operations, 2 Yr. CAGR %	49.67	64.59	-37.21	-19.69	-34.64
Net Income, 2 Yr. CAGR %	49.47	64.68	-37.2	-19.66	-29.15
Normalized Net Income, 2 Yr. CAGR %	48.37	69.85	-38.16	-20.07	-38.57
Diluted EPS Before Extra, 2 Yr. CAGR %	56.38	85.77	-33.41	-19.59	-46.99
Dividend Per Share, 2 Yr. CAGR %	11.8	54.92	9.54	0	4.08
Gross Loans, 2 Yr. CAGR %	2.14	11.41	7.49	2.44	18.97
Allowance For Loan Losses, 2 Yr. CAGR %	25.93	-7.77	15.68	10.81	23.71
Net Loans, 2 Yr. CAGR %	1.4	12.56	7.13	2.06	18.72
Non Performing Loans, 2 Yr. CAGR %	5.78	16.22	17.86	21.83	9.11
Non Performing Assets, 2 Yr. CAGR %	4.44	16.23	18.05	21.09	10.29
Total Assets, 2 Yr. CAGR %	5.24	3.91	5.19	3.76	18.25
Total Deposits, 2 Yr CAGR %	8.8	4.41	5.85	4.37	16.86
Tangible Book Value, 2 Yr. CAGR %	3.79	-10.13	-4.23	11.32	29.11
Average Interest Earning Assets, 2 Yr. CAGR %	6.77	3.67	6.46	5.6	11.31
Average Interest Bearing Liabilities, 2 Yr. CAGR %	4.78	2.94	8.21	6.58	11.34
Common Equity, 2 Yr. CAGR %	2.81	-7.14	-2.65	8.25	42.56
Total Equity, 2 Yr. CAGR %	2.57	-6.54	-2.44	7.52	39.85
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	1.85	5.12	8.47	8.89	16.51
Non Interest Income, 3 Yr. CAGR %	6.4	10.75	10.39	8.06	13.94
Provision For Loan Losses, 3 Yr. CAGR %	-30.76	-2.12	0.52	81.98	52.3
Total Revenues, 3 Yr. CAGR %	13.37	8.31	13.02	-5.42	4.89
Earnings From Cont. Operations, 3 Yr. CAGR %	27.18	9.98	21.61	-27.38	-34.29
Net Income, 3 Yr. CAGR %	27.24	9.89	21.66	-27.35	-30.67
Normalized Net Income, 3 Yr. CAGR %	27.64	8.39	23.58	-27.96	-37.29
Diluted EPS Before Extra, 3 Yr. CAGR %	31.54	17.57	32.05	-24.54	-42.76
Dividend Per Share, 3 Yr. CAGR %	7.72	14.47	33.89	6.27	2.7
Gross Loans, 3 Yr. CAGR %	4.08	5.52	8.39	5.73	13.24
Allowance For Loan Losses, 3 Yr. CAGR %	16.55	22.47	-0.58	12.46	20.92
Net Loans, 3 Yr. CAGR %	3.65	4.96	8.93	5.42	12.88
Non Performing Loans, 3 Yr. CAGR %	10.6	10.99	15.37	21.95	10.61
Non Performing Assets, 3 Yr. CAGR %	9.38	10.34	15.2	21.77	11.24
Total Assets, 3 Yr. CAGR %	5.09	5.26	4.31	4.27	13.69
Total Deposits, 3 Yr CAGR %	7.58	8.22	4.49	5.26	12.63
Tangible Book Value, 3 Yr. CAGR %	8.3	-5.06	-2.31	-0.52	24.38
Average Interest Earning Assets, 3 Yr. CAGR %	5.38	5.99	5.26	5.22	10.37
Average Interest Bearing Liabilities, 3 Yr. CAGR %	4.12	5.14	5.44	6.34	11.09
Common Equity, 3 Yr. CAGR %	5.9	-3.52	-1.29	-0.15	31.36
Total Equity, 3 Yr. CAGR %	5.71	-3.22	-1.18	-0.13	29.28
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	2.98	3.84	5.03	5.98	13.35
Non Interest Income, 5 Yr. CAGR %	6.24	8.36	7.73	8.51	13.48
Provision For Loan Losses, 5 Yr. CAGR %	-21.35	-4.99	12.23	13.44	15.01
Total Revenues, 5 Yr. CAGR %	11.2	7.61	3.48	4.15	12.41
Earnings From Cont. Operations, 5 Yr. CAGR %	26.87	28.3	-4.1	-3.02	-5.13
Net Income, 5 Yr. CAGR %	26.99	30	-4.07	-3.05	-2
Normalized Net Income, 5 Yr. CAGR %	22.4	9.66	-4.68	-4.02	-6.56
Diluted EPS Before Extra, 5 Yr. CAGR %	31.21	36.64	0.19	1	-8.34
Dividend Per Share, 5 Yr. CAGR %	4.56	8.45	8.45	8.45	21.06
Gross Loans, 5 Yr. CAGR %	2.45	4.17	5.43	4.28	12.5
Allowance For Loan Losses, 5 Yr. CAGR %	11.94	12.03	16.2	17.67	8.51
Net Loans, 5 Yr. CAGR %	2.14	3.89	5.03	3.79	12.75
Non Performing Loans, 5 Yr. CAGR %	-7.21	8.37	13.45	15.21	12.82
Non Performing Assets, 5 Yr. CAGR %	-9.5	5.96	12.77	14.52	13.21
Total Assets, 5 Yr. CAGR %	3.9	4.48	5.13	4.66	9.67
Total Deposits, 5 Yr CAGR %	5.6	6.44	6.88	6.66	9.27
Tangible Book Value, 5 Yr. CAGR %	8.1	2.2	3.1	1.18	9.22
Average Interest Earning Assets, 5 Yr. CAGR %	4.81	4.76	5.81	5.84	7.64
Average Interest Bearing Liabilities, 5 Yr. CAGR %	4.01	4.17	5.74	5.72	7.76
Common Equity, 5 Yr. CAGR %	5.42	1.47	2.39	1.03	14.35
Total Equity, 5 Yr. CAGR %	5.13	1.53	2.37	0.94	13.54