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	HISTORICAL FINANCIALS
	Commercial Bank — Actuals ($mm)
		FY2024	FY2025
	INCOME STATEMENT
	Interest Income - Loans	$870	$950
	Interest Income - Securities	$85	$90
	Interest Income - Other	$35	$57
	Total Interest Income	$990	$1,097
	Interest Expense - Deposits	$285	$310
	Interest Expense - Borrowings	$75	$82
	Interest Expense - Other	$20	$25
	Total Interest Expense	$380	$417
	Net Interest Income	$610	$680
	Provision for Credit Losses	$145	$168
	NII After Provision	$465	$512
	Service Charges	$120	$124
	Trading Income	$85	$87
	Mortgage Banking	$65	$67
	Other Non-Interest Income	$100	$104
	Total Non-Interest Income	$370	$382
	Total Revenue	$835	$894
	Compensation & Benefits	$420	$445
	Occupancy	$95	$98
	Technology	$155	$165
	Other Operating Expense	$119	$127
	Total Operating Expense	$789	$835
	Pre-Tax Income	$46	$59
	Net Income	$35	$44
	BALANCE SHEET
	Gross Loans	$17,500	$18,550
	ALLL	($219)	($232)
	Net Loans	$17,281	$18,318
	Securities	$3,500	$3,640
	Cash & Equivalents	$2,200	$2,050
	Other Assets	$519	$542
	Total Assets	$23,500	$24,550
	Demand Deposits	$5,400	$5,670
	Savings / Money Market	$7,200	$7,560
	Time Deposits	$5,400	$5,670
	Total Deposits	$18,000	$18,900
	Other Borrowings	$2,000	$2,060
	Other Liabilities	$300	$320
	Total Liabilities	$20,300	$21,280
	CET1 Capital	$2,200	$2,200
	Retained Earnings	$600	$770
	Total Equity	$3,200	$3,270
	KEY METRICS
	Net Interest Margin	2.60%	2.77%
	Efficiency Ratio	80.50%	78.40%
	ROAA	0.15%	0.18%
	ROAE	1.08%	1.37%
	CET1 Ratio	12.50%	12.00%
	Loan-to-Deposit	97.20%	98.10%
	NPL Ratio	1.20%	1.20%
	NCO / Avg Loans	0.60%	0.60%
	Source: Sample data for illustration. Replace with actual bank financials.