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{"sheet":"Model","index":0,"n_rows":14,"n_cols":5,"rows_kept":14,"cut":false,"hidden":false,"merged":[]}
[null,"Sheets","Sheet Type","Description","Links"]
[null,"Model","Assumptions","Description of Sheets",{"$f":"HYPERLINK(\"#\"&B2&\"!A2\",B2)","v":"Model"}]
[null,"List","Assumptions","Lists and model assumptions",{"$f":"HYPERLINK(\"#\"&B3&\"!A2\",B3)","v":"List"}]
[null,"Data","Input Sheet","Actual lead metrics by region","Data"]
[null,"Plan","Input Sheet","Plan lead metrics by region","Plan"]
[null,"Cust","Input Sheet","Customer data (small data set)","Cust"]
[null,"Hires","Input Sheet","Hires and terminations","Hires"]
[null,"Sick","Input Sheet","Average sick days per employee","Sick"]
[null,"FTE","Input Sheet","Full time equivalent workers","FTE"]
[null,"General","Input Sheet","General financial metrics","General"]
[null,"Other","Input Sheet","Other financial and ops metrics","Other"]
[null,"Calcs","Calculations sheet","Primary calculations page","Calcs"]
[null,"Check","Error trapping","Checks and balances for the model","Check"]
[null,"Summary","Output Sheet","Primary output page","Summary"]

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["Metric","Measures",null,"Hires","Years","Regions",null,"Checks"]
["Linked Cell Spinner",{"$f":"Summary!B5","v":1},null,"FY 10","FY 12","England",null,"Model OK"]
["Linked Cell Listbox","Net Interest Margin",null,"FY 11","FY 13","Scotland",null,"Check Model"]
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[null,null,null,"FY 14","FY 16"]
[null,null,null,"FY 15","FY 17"]
[null,null,null,"FY 16","FY 18"]
[null,null,null,"FY 17","FY 19"]
[null,null,null,"FY 18","FY 20"]
[null,null,null,"FY 19"]
[null,null,null,"FY 20"]

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["Region","Activity",{"$f":"OFFSET(Lists!$E$1,COLUMN()-2,0,1,1)","v":"FY 12"},{"$f":"OFFSET(Lists!$E$1,COLUMN()-2,0,1,1)","v":"FY 13"},{"$f":"OFFSET(Lists!$E$1,COLUMN()-2,0,1,1)","v":"FY 14"},{"$f":"OFFSET(Lists!$E$1,COLUMN()-2,0,1,1)","v":"FY 15"},{"$f":"OFFSET(Lists!$E$1,COLUMN()-2,0,1,1)","v":"FY 16"},{"$f":"OFFSET(Lists!$E$1,COLUMN()-2,0,1,1)","v":"FY 17"},{"$f":"OFFSET(Lists!$E$1,COLUMN()-2,0,1,1)","v":"FY 18"},{"$f":"OFFSET(Lists!$E$1,COLUMN()-2,0,1,1)","v":"FY 19"},{"$f":"OFFSET(Lists!$E$1,COLUMN()-2,0,1,1)","v":"FY 20"}]
["England","Net Income",7400,8100,8300,9600,10200,10000,10200,10600,10300]
["England","Revenue",28900,33569,34511,35678,38976,40014,41017.5,42521.875,48152.34375]
["England","Diluted Earnings Per Share",3.1,3.2,3.35,3.4,3.45,3.6,4.5,5.625,7.03125]
["England","Dividends Per Share",0.97,1.05,1.1100000000000001,1.2,1.23,1.28,1.6,2,2.5]
["England","Return on Assets",2.6,2.4,2.6,2.5,2.5,2.6,3.25,4.0625,5.078125]
["England","Return on Equity",23.4,22.7,26.8,25.7,27.6,28.6,30.75,25.6875,22.859375]
["England","Net Interest Margin",7.5,7.8,8.3000000000000007,8.3000000000000007,8.4,8.6999999999999993,8.875,9,8.6999999999999993]
["England","Efficiency Ratio",0.84,0.9,0.85,0.87,0.84,0.88,1.1000000000000001,1.375,1.71875]
["England","Assets",440000,465000,480000,520000,550000,620000,675000,698750,668750]
["England","Loans",255923,267900,278900,298765,312900,320984,301230,298765,326921.875]
["England","Core Deposits",253651,262890,268931,274900,289150,305918,315918,307123,335918]
["England","Stockholder's Equity",28750,30800,31540,32700,33870,34900,35900,36900,37900]
["England","Non-Performing Loans / Total Loans",1.7,1.5,1.5,1.4,1.2,1.3,1.7,1.5,1.3]
["England","Allowance / Total Loans",2.9,2.9,3,3,3.1,3.2,2.9,2.9,3]
["England","Allowance / Non-Performing Loans",3.45,3.6,3.55,3.65,3.7,3.9,3.9,3.6,3.9]
["England","Net Charge Offs / Average Total Loans",1.7,1.4,1.6,1.6,1.5,1.4,1.3,1.6,1.5]
[]
["Scotland","Net Income",3330,3685.5,3818,4464,4794,5225,5376,4794,5225]
["Scotland","Revenue",13005,15273.895,15875.060000000001,16590.27,18318.719999999998,19006.649999999998,24008.400000000001,18318.719999999998,19006.649999999998]
["Scotland","Diluted Earnings Per Share",2.1,2.2000000000000002,2.35,2.4,2.4500000000000002,3.2,4.5,5.625,3.6]
["Scotland","Dividends Per Share",0.67,{"$f":"C22+0.1","v":0.77},{"$f":"D22+0.1","v":0.87},0.97,0.67,0.77,0.87,0.97,1.07]
["Scotland","Return on Assets",1.6,{"$f":"C23+0.1","v":1.7000000000000002},1.6,1.5,3.5,3.6,4.25,5.0625,6.078125]
["Scotland","Return on Equity",22.4,22.5,25.8,24.7,28.6,29.6,31.75,26.6875,23.859375]
["Scotland","Net Interest Margin",6.5,6.6,7.3000000000000007,7.3000000000000007,9.4,9.6999999999999993,9.875,10,9.6999999999999993]
["Scotland","Efficiency Ratio",1.64,1.74,1.8399999999999999,1.94,1.8740000000000001,1.88,2.1,2.375,2.21875]
["Scotland","Assets",270000,270000.09999999998,240000,200000,295000,340000,387500,484375,605468.75]
["Scotland","Loans",157961.5,157961.60000000001,129450,169382.5,176450,160492,200615,250768.75,313460.9375]
["Scotland","Core Deposits",146825.5,146825.60000000001,154465.5,137450,164575,152959,147959,153561.5,147959]
["Scotland","Stockholder's Equity",14375,14375.1,15770,16350,16935,17450,17950,18450,18950]
["Scotland","Non-Performing Loans / Total Loans",0.7,0.79999999999999993,0.5,0.39999999999999991,2.2000000000000002,2.2999999999999998,2.7,2.5,2.2999999999999998]
["Scotland","Allowance / Total Loans",1.9,2,2,2,4.0999999999999996,4.2,3.9,3.9,4]
["Scotland","Allowance / Non-Performing Loans",2.4500000000000002,2.5500000000000003,2.5499999999999998,2.65,4.7,4.9000000000000004,4.9000000000000004,4.5999999999999996,4.9000000000000004]
["Scotland","Net Charge Offs / Average Total Loans",0.7,0.79999999999999993,0.60000000000000009,0.60000000000000009,2.5,2.4,2.2999999999999998,2.6,2.5]
[]
["Wales","Net Income",8140.0000000000009,8910,9130,16560,11220,12100.000000000002,12320.000000000002,12760.000000000002,13530.000000000002]
["Wales","Revenue",31790.000000000004,36925.9,37962.100000000006,39245.800000000003,42873.600000000006,55015.4,55019.250000000007,61774.0625,85967.578125]
["Wales","Diluted Earnings Per Share",4.0999999999999996,4.2,4.3499999999999996,4.4000000000000004,4.45,4.5999999999999996,5.5,6.625,8.03125]
["Wales","Dividends Per Share",1.97,2.0499999999999998,2.1800000000000002,2.5,2.23,2.2800000000000002,2.6,3,3.5]
["Wales","Return on Assets",3.6,3.4,3.6,3.5,3.5,3.6,4.25,5.0625,6.078125]
["Wales","Return on Equity",24.4,23.7,27.8,26.7,28.6,29.6,31.75,26.6875,23.859375]
["Wales","Net Interest Margin",8.5,8.8000000000000007,9.3000000000000007,9.3000000000000007,9.4,9.6999999999999993,9.875,10,9.6999999999999993]
["Wales","Efficiency Ratio",1.8399999999999999,1.9,1.85,1.87,1.8399999999999999,1.88,2.1,2.375,2.71875]
["Wales","Assets",396000,418500,432000,468000,495000,558000,697500,871875,1089843.75]
["Wales","Loans",230330.7,241110,251010,251010,251010,288885.60000000003,361107,451383.75,564229.6875]
["Wales","Core Deposits",228285.9,236601,242037.9,247410,247410,247410,284326.2,276410.7,302326.2]
["Wales","Stockholder's Equity",25875,21720,28386,29430,20483,21410,32310,33210,34110]
["Wales","Non-Performing Loans / Total Loans",0.7,0.5,0.5,0.39999999999999991,0.19999999999999996,0.30000000000000004,0.7,0.5,0.30000000000000004]
["Wales","Allowance / Total Loans",1.9,1.9,2.5,3,2.1,2.2000000000000002,1.9,1.9,2]
["Wales","Allowance / Non-Performing Loans",2.4500000000000002,2.6,3,3,3,2.9,2.9,2.6,2.9]
["Wales","Net Charge Offs / Average Total Loans",0.7,0.39999999999999991,1,1.1000000000000001,2,0.39999999999999991,0.30000000000000004,0.60000000000000009,0.5]
[]
["Northern Ireland","Net Income",7400,8100,8300,9600,10200,11000,11200,11600,12300]
["Northern Ireland","Revenue",28900,33569,34511,35678,38976,40014,50017.5,62521.875,78152.34375]
["Northern Ireland","Diluted Earnings Per Share",2.1,2.2000000000000002,2.35,2.4,2.4500000000000002,2.6,3.5,4.625,6.03125]
["Northern Ireland","Dividends Per Share",1,0.5,0.5,0.5,0.5,0.28000000000000003,0.60000000000000009,1,1.5]
["Northern Ireland","Return on Assets",1.6,1.4,1.6,1.5,1.5,1.6,2.25,3.0625,4.078125]
["Northern Ireland","Return on Equity",22.4,21.7,25.8,29.7,29.7,29.7,29.75,24.6875,21.859375]
["Northern Ireland","Net Interest Margin",6.5,6.8,7.3000000000000007,7.3000000000000007,7.4,7.6999999999999993,7.875,8,7.6999999999999993]
["Northern Ireland","Efficiency Ratio",0.84,0.9,0.85,0.87,0.84,0.88,1.1000000000000001,1.375,1.71875]
["Northern Ireland","Assets",118800,126945,132480,238079.99999999997,155100,176700,223200.00000000003,281906.25,356015.62500000006]
["Northern Ireland","Loans",76776.899999999994,80370,83670,80629.5,93870,96295.2,120369,150461.25,188076.5625]
["Northern Ireland","Core Deposits",228285.9,236601,242037.9,247410,247410,247410,284326.2,276410.7,302326.2]
["Northern Ireland","Stockholder's Equity",8625,9240,9462,9810,10161,10470,10770,11070,11370]
["Northern Ireland","Non-Performing Loans / Total Loans",0.7,0.5,0.5,0.39999999999999991,0.19999999999999996,0.30000000000000004,0.7,0.5,0.30000000000000004]
["Northern Ireland","Allowance / Total Loans",1.9,1.9,2,2,2.1,2.2000000000000002,1.9,1.9,2]
["Northern Ireland","Allowance / Non-Performing Loans",2.4500000000000002,2.6,2.5499999999999998,2.65,2.7,2.9,2.9,2.6,2.9]
["Northern Ireland","Net Charge Offs / Average Total Loans",2,1.4,3,2,3,2,2.5,1.6,1.5]

{"sheet":"Plan","index":3,"n_rows":68,"n_cols":11,"rows_kept":68,"cut":false,"hidden":false,"merged":[]}
["Region","Activity",{"$f":"OFFSET(Lists!$E$1,COLUMN()-2,0,1,1)","v":"FY 12"},{"$f":"OFFSET(Lists!$E$1,COLUMN()-2,0,1,1)","v":"FY 13"},{"$f":"OFFSET(Lists!$E$1,COLUMN()-2,0,1,1)","v":"FY 14"},{"$f":"OFFSET(Lists!$E$1,COLUMN()-2,0,1,1)","v":"FY 15"},{"$f":"OFFSET(Lists!$E$1,COLUMN()-2,0,1,1)","v":"FY 16"},{"$f":"OFFSET(Lists!$E$1,COLUMN()-2,0,1,1)","v":"FY 17"},{"$f":"OFFSET(Lists!$E$1,COLUMN()-2,0,1,1)","v":"FY 18"},{"$f":"OFFSET(Lists!$E$1,COLUMN()-2,0,1,1)","v":"FY 19"},{"$f":"OFFSET(Lists!$E$1,COLUMN()-2,0,1,1)","v":"FY 20"}]
["England","Net Income",7759.64,8164.8,8784.7200000000012,9940.8000000000011,10395.84,9595,10659,10674.2,10090.91]
["England","Revenue",28322,32561.93,32785.449999999997,34607.660000000003,37806.720000000001,39213.72,40197.15,41671.4375,46707.7734375]
["England","Diluted Earnings Per Share",2.9449999999999998,3.0720000000000005,3.1825000000000001,3.2639999999999998,3.3120000000000003,3.528,4.32,5.5125000000000002,6.6796875]
["England","Dividends Per Share",0.96030000000000004,0.99750000000000005,1.0656000000000001,1.1759999999999999,1.2054,1.2416,1.5680000000000001,1.98,2.4]
["England","Return on Assets",2.8028000000000004,2.5113599999999998,2.5441000000000003,2.5887500000000001,2.5725000000000002,2.7541800000000003,3.3345000000000002,4.0210625000000002,5.4244531250000003]
["England","Return on Equity",23.166,21.565000000000001,26.532000000000004,25.442999999999998,27.324000000000002,27.456000000000003,30.135000000000002,25.430624999999999,22.4021875]
["England","Net Interest Margin",7.125,7.6440000000000001,7.9680000000000009,8.0510000000000002,8.3160000000000007,8.6129999999999995,8.7862500000000008,8.64,8.3519999999999985]
["England","Efficiency Ratio",0.83160000000000001,0.8640000000000001,0.84149999999999991,0.82650000000000001,0.82319999999999993,0.83599999999999997,1.0669999999999999,1.33375,1.65]
["England","Assets",466092,506385.00000000006,512160.00000000006,539136,564300,619938,661297.5,704899,648420]
["England","Loans",253363.77,259863,267744,289802.05,300384,304934.8,286168.5,283826.75,320383.4375]
["England","Core Deposits",243504.96,260261.1,266241.69,272151,280475.5,299799.64,306440.46000000002,291766.84999999998,322481.28000000003]
["England","Stockholder's Equity",27312.5,30492,31224.6,32373,32853.9,34202,35182,35424,36005]
["England","Non-Performing Loans / Total Loans",1.6829999999999998,1.425,1.44,1.3859999999999999,1.1399999999999999,1.274,1.615,1.47,1.2480000000000002]
["England","Allowance / Total Loans",2.8709999999999996,2.8709999999999996,2.94,2.94,3.0690000000000004,3.04,2.8130000000000002,2.8709999999999996,2.88]
["England","Allowance / Non-Performing Loans",3.7228950000000003,3.5568,3.5123699999999998,3.7558500000000001,3.7651200000000009,4.0895400000000004,4.0154399999999999,3.5910000000000002,4.04352]
["England","Net Charge Offs / Average Total Loans",1.615,1.3719999999999999,1.52,1.5520000000000003,1.425,1.33,1.2870000000000001,1.52,1.4850000000000001]
[null,null,0,0,0,0,0,0,0,0,0]
["Scotland","Net Income",3296.7,3574.9349999999999,3779.82,4330.08,4554.3,5068.25,5107.2,4602.24,5068.25]
["Scotland","Revenue",12984.191999999999,16179.636973500001,16802.163504,17409.829338,19405.020095999997,19358.273024999999,23763.514320000002,17924.867519999996,19185.312509999996]
["Scotland","Diluted Earnings Per Share",2.0790000000000002,2.0900000000000003,2.2560000000000002,2.3039999999999998,2.4010000000000002,3.04,4.4550000000000001,5.5687499999999996,3.528]
["Scotland","Dividends Per Share",0.66939700000000013,0.76930700000000007,0.86965200000000009,0.97678999999999994,0.66249600000000008,0.76930700000000007,0.91228200000000004,0.9591360000000001,1.087655]
["Scotland","Return on Assets",1.5840000000000001,1.6830000000000001,1.52,1.4850000000000001,3.36,3.4560000000000004,4.1224999999999996,4.8600000000000003,5.7742187500000002]
["Scotland","Return on Equity",21.503999999999998,21.6,25.026,23.959,28.314,28.712000000000003,31.432500000000001,25.886875,22.666406250000001]
["Scotland","Net Interest Margin",6.4349999999999996,6.5339999999999998,6.9350000000000014,7.2270000000000003,9.3060000000000009,9.4089999999999989,9.48,9.5,9.4089999999999989]
["Scotland","Efficiency Ratio",1.5579999999999998,1.6878,1.7847999999999999,1.8818000000000001,1.8177800000000002,1.8235999999999999,2.016,2.3275000000000001,2.1521875000000001]
["Scotland","Assets",261900,264600.098,230400,194000,286150,333200,372000,479531.25,599414.0625]
["Scotland","Loans",156381.88500000001,153222.75200000001,128155.5,160913.375,167627.5,157282.16,190584.25,238230.3125,297787.890625]
["Scotland","Core Deposits",156662.80849999998,146590.67904000002,158481.603,148171.1,168853.95,155895.81280000001,147944.2041,153500.0754,156599.80560000002]
["Scotland","Stockholder's Equity",13943.75,13800.096000000001,15612.3,16186.5,16257.6,16752,17770.5,17527.5,18002.5]
["Scotland","Non-Performing Loans / Total Loans",0.67899999999999994,0.76,0.47499999999999998,0.3879999999999999,2.1560000000000001,2.2769999999999997,2.5920000000000005,2.4500000000000002,2.2079999999999997]
["Scotland","Allowance / Total Loans",1.8619999999999999,1.96,1.92,1.98,3.9769999999999999,4.1160000000000005,3.8609999999999998,3.7439999999999998,3.92]
["Scotland","Allowance / Non-Performing Loans",2.3990400000000003,2.5214400000000001,2.6162999999999998,2.7787900000000003,4.8325400000000007,5.1332400000000007,5.0421000000000005,4.5447999999999995,4.7015500000000001]
["Scotland","Net Charge Offs / Average Total Loans",0.68599999999999994,0.79199999999999993,0.57000000000000006,0.57600000000000007,2.4,2.3279999999999998,2.2309999999999999,2.5220000000000002,2.4500000000000002]
[null,null,0,0,0,0,0,0,0,0,0]
["Wales","Net Income",8058.6000000000013,8642.7000000000007,8856.1,16063.2,10883.4,11858.000000000002,11950.400000000001,12122.000000000002,12853.500000000002]
["Wales","Revenue",30836.300000000003,35079.605000000003,36823.237000000008,38460.884000000005,42016.128000000004,52264.63,52818.48000000001,59303.1,83388.55078125]
["Wales","Diluted Earnings Per Share",4.0179999999999998,4.0740000000000007,4.2629999999999999,4.1800000000000006,4.4055,4.3699999999999992,5.39,6.5587499999999999,7.71]
["Wales","Dividends Per Share",1.9499060000000001,2.0253999999999999,2.2876920000000003,2.448,2.3145170000000004,2.3664120000000004,2.6208000000000005,3.0555000000000003,3.7075499999999999]
["Wales","Return on Assets",3.4560000000000004,3.3319999999999999,3.42,3.395,3.36,3.492,4.1224999999999996,4.8600000000000003,5.8957812499999998]
["Wales","Return on Equity",23.18,22.751999999999999,26.965999999999998,26.432999999999996,28.028000000000002,29.008000000000003,30.797499999999999,25.353124999999999,22.905000000000001]
["Wales","Net Interest Margin",9.0694999999999997,8.5324799999999996,9.2962800000000012,9.3818400000000004,9.926400000000001,9.5835999999999988,10.143600000000001,10.67,9.4051200000000001]
["Wales","Efficiency Ratio",1.7664,1.8619999999999999,1.8315000000000001,1.7952000000000001,1.8031999999999999,1.8611999999999997,2.0790000000000002,2.3512499999999998,2.6643750000000002]
["Wales","Assets",376200,410130,410400,449280,480150,541260,676575,845718.75,1035351.5625]
["Wales","Loans",223420.77900000001,236287.8,240969.60000000001,245989.8,248499.9,285996.74400000001,353884.86,446869.91249999998,536018.203125]
["Wales","Core Deposits",223720.182,234234.99,229936.005,244935.9,235039.5,242461.8,272953.152,262590.16499999998,293256.41400000005]
["Wales","Stockholder's Equity",26640.9,21279.084000000003,30631.332600000002,30259.925999999999,20843.500800000002,22679.613000000001,34196.904000000002,32857.974000000002,35795.034000000007]
["Wales","Non-Performing Loans / Total Loans",0.66500000000000004,0.47499999999999998,0.48499999999999999,0.3839999999999999,0.18999999999999997,0.28500000000000003,0.66500000000000004,0.48,0.29700000000000004]
["Wales","Allowance / Total Loans",1.881,1.8239999999999998,2.375,2.97,2.016,2.1560000000000001,1.8239999999999998,1.8239999999999998,1.98]
["Wales","Allowance / Non-Performing Loans",2.3520000000000003,2.548,2.91,2.88,2.85,2.7549999999999999,2.8420000000000001,2.4960000000000004,2.8709999999999996]
["Wales","Net Charge Offs / Average Total Loans",0.66500000000000004,0.3839999999999999,0.97,1.0669999999999999,1.98,0.3919999999999999,0.28500000000000003,0.57600000000000007,0.48499999999999999]
[null,null,0,0,0,0,0,0,0,0,0]
["Northern Ireland","Net Income",7252,7695,7885,9120,10098,10890,10752,11020,11931]
["Northern Ireland","Revenue",28033,33233.31,33475.67,34250.879999999997,38196.480000000003,39613.86,49017.15,61271.4375,75026.25]
["Northern Ireland","Diluted Earnings Per Share",2.2245300000000001,2.2206800000000002,2.302295,2.4443999999999999,2.5710299999999999,2.5209600000000005,3.7345000000000002,4.5778249999999998,6.0288374999999998]
["Northern Ireland","Dividends Per Share",0.96,0.49,0.48499999999999999,0.49,0.495,0.27160000000000006,0.59400000000000008,0.96,1.47]
["Northern Ireland","Return on Assets",1.5680000000000001,1.3439999999999999,1.5520000000000003,1.47,1.425,1.52,2.2050000000000001,2.9093749999999998,4.0373437499999998]
["Northern Ireland","Return on Equity",21.28,20.614999999999998,25.542000000000002,29.105999999999998,28.215,28.809000000000001,28.262499999999999,23.946874999999999,21.20359375]
["Northern Ireland","Net Interest Margin",6.3049999999999997,6.5960000000000001,6.9350000000000014,7.0810000000000004,7.03,7.5459999999999994,7.7175000000000002,7.68,7.6229999999999993]
["Northern Ireland","Efficiency Ratio",0.81480000000000008,0.88200000000000001,0.81599999999999995,0.83519999999999994,0.79799999999999993,0.8448,1.0780000000000001,1.3474999999999999,1.684375]
["Northern Ireland","Assets",120760.20000000001,132657.52500000002,136083.45600000001,259269.11999999997,156185.70000000001,176417.28,226882.80000000005,281201.484375,359148.56250000006]
["Northern Ireland","Loans",73705.823999999993,78762.600000000006,82833.3,77404.320000000007,91992.6,95332.247999999992,114350.55,147452.02499999999,186195.796875]
["Northern Ireland","Core Deposits",216871.60500000001,227136.96,237197.14199999999,237513.60000000001,242461.8,237513.60000000001,270109.89,273646.59299999999,299302.93800000002]
["Northern Ireland","Stockholder's Equity",8193.75,9147.6,9367.3799999999992,9711.9,9754.56,10051.200000000001,10231.5,10627.2,10801.5]
["Northern Ireland","Non-Performing Loans / Total Loans",0.66500000000000004,0.49,0.47499999999999998,0.3839999999999999,0.19599999999999995,0.28500000000000003,0.67899999999999994,0.49,0.29100000000000004]
["Northern Ireland","Allowance / Total Loans",1.9674500000000001,2.0502899999999999,1.9992000000000001,2.1384000000000003,2.2203300000000006,2.2215599999999998,1.8422399999999999,1.8798599999999999,2.016]
["Northern Ireland","Allowance / Non-Performing Loans",2.3765000000000001,2.4960000000000004,2.4989999999999997,2.5175000000000001,2.6190000000000002,2.8420000000000001,2.8420000000000001,2.4700000000000002,2.8420000000000001]
["Northern Ireland","Net Charge Offs / Average Total Loans",1.94,1.33,2.85,1.92,2.97,1.98,2.4,1.5520000000000003,1.44]

{"sheet":"Cust","index":4,"n_rows":5,"n_cols":4,"rows_kept":5,"cut":false,"hidden":false,"merged":[]}
["Satisfaction","States","PY","CY"]
["Customer","England",0.87,0.83]
["Customer","Scotland",0.8,0.85]
["Customer","Wales",0.88,0.92]
["Customer","Northern Ireland",0.83,0.81]

{"sheet":"Hires","index":5,"n_rows":9,"n_cols":13,"rows_kept":9,"cut":false,"hidden":false,"merged":[]}
["Type","State",{"$f":"TRANSPOSE(Lists!D2:D12)","v":"FY 10"},"FY 11","FY 12","FY 13","FY 14","FY 15","FY 16","FY 17","FY 18","FY 19","FY 20"]
["Termination","England",-416.16,-234.78,-612,-511,-408,-301,-354,-102,-408,-102,-321]
["New Hires","England",599.76,264.47999999999996,408,514,612,232,387,418,714,517,411]
["Termination","Scotland",-313.04000000000002,-189.72,-816,-301,-301,-204,-354,-204,-612,-102,-102]
["New Hires","Scotland",278.88,220.89999999999998,612,714,332,235,519,412,1020,1122,714]
["Termination","Wales",-233.22,-357.12,-714,-312,-299,-288,-204,-354,-354,-102,-102]
["New Hires","Wales",473.28,705.18,455,1122,408,511,432,612,918,1428,714]
["Termination","Northern Ireland",-534.48,-240.8,-408,-301,-408,-301,-298,-300,-204,-102,-204]
["New Hires","Northern Ireland",369.74,257.52000000000004,408,1122,278,232,333,816,714,530,714]

{"sheet":"Sick","index":6,"n_rows":10,"n_cols":14,"rows_kept":10,"cut":false,"hidden":false,"merged":[]}
["Avg Sick Days","Country","Jul","Aug","Sep","Oct","Nov","Dec","Jan","Feb","Mar","Apr","May","Jun"]
["CY","England",7.7616000000000005,9.7944000000000031,7.4844000000000017,10.348800000000002,9.3324000000000016,9.9792000000000023,8.5008000000000017,10.348800000000002,8.6856000000000009,7.9464000000000006,8.4084000000000021,8.7780000000000005]
["CY","Scotland",7.7000000000000011,8.9133000000000013,6.5846,8.9936000000000007,8.9133000000000013,9.0739000000000001,7.6284999999999998,8.9133000000000013,6.6648999999999994,6.5043000000000006,8.270900000000001,8.5921000000000003]
["CY","Wales",5.9344999999999999,6.5065000000000008,6.9355000000000002,6.5065000000000008,7.0070000000000006,5.9344999999999999,7.7935000000000016,5.791500000000001,7.7935000000000016,5.791500000000001,6.9355000000000002,6.7925000000000004]
["CY","Northern Ireland",8.2720000000000002,9.3280000000000012,8.36,8.8000000000000007,9.6800000000000015,9.9439999999999991,9.4160000000000021,10.032,7.128000000000001,10.472,10.56,7.0400000000000009]
[]
["PY","England",6.5620800000000008,8.2807200000000023,6.2596800000000012,8.4672000000000018,7.2962400000000001,7.3483200000000011,6.2596800000000012,7.5264000000000015,6.6326399999999994,5.9236800000000001,6.6502800000000004,7.5809999999999995]
["PY","Scotland",7.2,7.3737300000000001,6.46488,7.6854399999999998,7.697849999999999,7.7540599999999982,6.2414999999999994,8.751240000000001,5.5742799999999999,5.7356100000000003,6.7671000000000001,7.4985599999999994]
["PY","Wales",4.6396999999999995,5.0277500000000002,5.4853499999999995,5.5600999999999994,5.9241000000000001,5.1252499999999994,6.0222500000000005,4.2646500000000005,6.2348000000000008,4.8438000000000008,5.989749999999999,5.6192500000000001]
["PY","Northern Ireland",7.219199999999999,8.9040000000000017,8.4359999999999999,7.76,10.295999999999999,9.3111999999999995,9.0736000000000008,9.3023999999999987,6.1559999999999997,9.1391999999999989,8.64,6.016]

{"sheet":"FTE","index":7,"n_rows":24,"n_cols":5,"rows_kept":24,"cut":false,"hidden":false,"merged":[]}
["Region","Metric","Year","Type","Data"]
["England","FTEs","Prior Yr","Actual",5217.7951525493299]
["England","FTEs","Prior Yr","Plan",5098.3368102676704]
["England","FTEs","Cur Yr","Actual",6942.3236953118912]
["England","FTEs","Cur Yr","Plan",6973.1981852567769]
["England","FTEs","Cur Yr","Forecast",6673.1981852567797]
[]
["Scotland","FTEs","Prior Yr","Actual",1721.872400341279]
["Scotland","FTEs","Prior Yr","Plan",1682.4511473883313]
["Scotland","FTEs","Cur Yr","Actual",2290.966819452924]
["Scotland","FTEs","Cur Yr","Plan",2200]
["Scotland","FTEs","Cur Yr","Forecast",2202.1554011347375]
[]
["Wales","FTEs","Prior Yr","Actual",1147.9149335608527]
["Wales","FTEs","Prior Yr","Plan",1121.6340982588874]
["Wales","FTEs","Cur Yr","Actual",1527.311212968616]
["Wales","FTEs","Cur Yr","Plan",1470]
["Wales","FTEs","Cur Yr","Forecast",1468.1036007564915]
[]
["Northern Ireland","FTEs","Prior Yr","Actual",581.77951525493302]
["Northern Ireland","FTEs","Prior Yr","Plan",509.83368102676707]
["Northern Ireland","FTEs","Cur Yr","Actual",694.23236953118919]
["Northern Ireland","FTEs","Cur Yr","Plan",550]
["Northern Ireland","FTEs","Cur Yr","Forecast",607.31981852567799]

{"sheet":"General","index":8,"n_rows":40,"n_cols":3,"rows_kept":40,"cut":false,"hidden":false,"merged":[]}
["Region","Operation","% Result"]
["England","Home Loans",0.12]
["England","Credit Cards",0.25]
["England","Houshold Lending",0.04]
["England","Other Bank Income",0.02]
["England","Retail Deposits",0.06]
["England","Business Lending",0.18]
["England","Asset Finance",0.2]
["England","Equities Trading",0.1]
["England","FX Trading",0.03]
[]
["Scotland","Home Loans",0.18]
["Scotland","Credit Cards",0.22]
["Scotland","Houshold Lending",0.06]
["Scotland","Other Bank Income",0.01]
["Scotland","Retail Deposits",0.04]
["Scotland","Business Lending",0.12]
["Scotland","Asset Finance",0.15]
["Scotland","Equities Trading",0.14000000000000001]
["Scotland","FX Trading",0.08]
[]
["Wales","Home Loans",0.22]
["Wales","Credit Cards",0.3]
["Wales","Houshold Lending",0.08]
["Wales","Other Bank Income",0.01]
["Wales","Retail Deposits",0.03]
["Wales","Business Lending",0.06]
["Wales","Asset Finance",0.1]
["Wales","Equities Trading",0.12]
["Wales","FX Trading",0.08]
[]
["Northern Ireland","Home Loans",0.27]
["Northern Ireland","Credit Cards",0.2]
["Northern Ireland","Houshold Lending",7.0000000000000007E-2]
["Northern Ireland","Other Bank Income",0.03]
["Northern Ireland","Retail Deposits",0.03]
["Northern Ireland","Business Lending",0.06]
["Northern Ireland","Asset Finance",0.14000000000000001]
["Northern Ireland","Equities Trading",0.1]
["Northern Ireland","FX Trading",0.1]

{"sheet":"Other","index":9,"n_rows":40,"n_cols":3,"rows_kept":40,"cut":false,"hidden":false,"merged":[]}
["Region","Activity","Current Mth"]
["England","Interest Income",166.66666666666669]
["England","Funds Mgt Income",333.33333333333337]
["England","Insurance Income",250]
["England","Other Bank Income",83.333333333333343]
["England","Net Income",833.33333333333337]
["England","Operational Expenses",416.66666666666669]
["England","Loan Imparement Expenses",104.16666666666667]
["England","Net Expenses",520.83333333333337]
["England","Net Profit",312.5]
[]
["Scotland","Interest Income",{"$f":"Data!$H$19/12*0.2","v":87.083333333333343}]
["Scotland","Funds Mgt Income",{"$f":"Data!$H$19/12*0.4","v":174.16666666666669}]
["Scotland","Insurance Income",{"$f":"Data!$H$19/12*0.3","v":130.625}]
["Scotland","Other Bank Income",{"$f":"Data!$H$19/12*0.1","v":43.541666666666671}]
["Scotland","Net Income",{"$f":"SUM(C12:C15)","v":435.41666666666669}]
["Scotland","Operational Expenses",{"$f":"C16/2","v":217.70833333333334}]
["Scotland","Loan Imparement Expenses",{"$f":"C17/4","v":54.427083333333336}]
["Scotland","Net Expenses",{"$f":"SUM(C17:C18)","v":272.13541666666669}]
["Scotland","Net Profit",{"$f":"C16-C19","v":163.28125}]
[]
["Wales","Interest Income",{"$f":"Data!$H$36/12*0.2","v":201.66666666666671}]
["Wales","Funds Mgt Income",{"$f":"Data!$H$36/12*0.4","v":403.33333333333343}]
["Wales","Insurance Income",{"$f":"Data!$H$36/12*0.3","v":302.50000000000006}]
["Wales","Other Bank Income",{"$f":"Data!$H$36/12*0.1","v":100.83333333333336}]
["Wales","Net Income",{"$f":"SUM(C22:C25)","v":1008.3333333333336}]
["Wales","Operational Expenses",{"$f":"C26/2","v":504.1666666666668}]
["Wales","Loan Imparement Expenses",{"$f":"C27/4","v":126.0416666666667}]
["Wales","Net Expenses",{"$f":"SUM(C27:C28)","v":630.20833333333348}]
["Wales","Net Profit",{"$f":"C26-C29","v":378.12500000000011}]
[]
["Northern Ireland","Interest Income",{"$f":"Data!$H$53/12*0.2","v":183.33333333333334}]
["Northern Ireland","Funds Mgt Income",{"$f":"Data!$H$53/12*0.4","v":366.66666666666669}]
["Northern Ireland","Insurance Income",{"$f":"Data!$H$53/12*0.3","v":275}]
["Northern Ireland","Other Bank Income",{"$f":"Data!$H$53/12*0.1","v":91.666666666666671}]
["Northern Ireland","Net Income",{"$f":"SUM(C32:C35)","v":916.66666666666663}]
["Northern Ireland","Operational Expenses",{"$f":"C36/2","v":458.33333333333331}]
["Northern Ireland","Loan Imparement Expenses",{"$f":"C37/4","v":114.58333333333333}]
["Northern Ireland","Net Expenses",{"$f":"SUM(C37:C38)","v":572.91666666666663}]
["Northern Ireland","Net Profit",{"$f":"C36-C39","v":343.75}]

{"sheet":"Calcs","index":10,"n_rows":88,"n_cols":14,"rows_kept":88,"cut":false,"hidden":false,"merged":[]}
[]
["Graph Data",{"$f":"Summary!J10","v":"FY 12"},{"$f":"Summary!K10","v":"FY 13"},{"$f":"Summary!L10","v":"FY 14"},{"$f":"Summary!M10","v":"FY 15"},{"$f":"Summary!N10","v":"FY 16"},{"$f":"Summary!O10","v":"FY 17"}]
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["Plan",{"$f":"SUMPRODUCT((Plan!$B$2:$B$68=$A3)*(Plan!$A$2:$A$68=$A$7)*(Plan!$C$1:$K$1=B$2)*(Plan!$C$2:$K$68))","v":7.125},{"$f":"SUMPRODUCT((Plan!$B$2:$B$68=$A3)*(Plan!$A$2:$A$68=$A$7)*(Plan!$C$1:$K$1=C$2)*(Plan!$C$2:$K$68))","v":7.6440000000000001},{"$f":"SUMPRODUCT((Plan!$B$2:$B$68=$A3)*(Plan!$A$2:$A$68=$A$7)*(Plan!$C$1:$K$1=D$2)*(Plan!$C$2:$K$68))","v":7.9680000000000009},{"$f":"SUMPRODUCT((Plan!$B$2:$B$68=$A3)*(Plan!$A$2:$A$68=$A$7)*(Plan!$C$1:$K$1=E$2)*(Plan!$C$2:$K$68))","v":8.0510000000000002},{"$f":"SUMPRODUCT((Plan!$B$2:$B$68=$A3)*(Plan!$A$2:$A$68=$A$7)*(Plan!$C$1:$K$1=F$2)*(Plan!$C$2:$K$68))","v":8.3160000000000007},{"$f":"SUMPRODUCT((Plan!$B$2:$B$68=$A3)*(Plan!$A$2:$A$68=$A$7)*(Plan!$C$1:$K$1=G$2)*(Plan!$C$2:$K$68))","v":8.6129999999999995}]
[]
[]
[{"$f":"Lists!B5","v":"England"},{"$f":"Data!C1","v":"FY 12"},{"$f":"Data!D1","v":"FY 13"},{"$f":"Data!E1","v":"FY 14"},{"$f":"Data!F1","v":"FY 15"},{"$f":"Data!G1","v":"FY 16"},{"$f":"Data!H1","v":"FY 17"},{"$f":"Data!I1","v":"FY 18"},{"$f":"Data!J1","v":"FY 19"},{"$f":"Data!K1","v":"FY 20"}]
["Net Income",{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A8)*(Data!$A$2:$A$68=$A$7)*(Data!C$2:C$68))","v":7400},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A8)*(Data!$A$2:$A$68=$A$7)*(Data!D$2:D$68))","v":8100},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A8)*(Data!$A$2:$A$68=$A$7)*(Data!E$2:E$68))","v":8300},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A8)*(Data!$A$2:$A$68=$A$7)*(Data!F$2:F$68))","v":9600},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A8)*(Data!$A$2:$A$68=$A$7)*(Data!G$2:G$68))","v":10200},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A8)*(Data!$A$2:$A$68=$A$7)*(Data!H$2:H$68))","v":10000},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A8)*(Data!$A$2:$A$68=$A$7)*(Data!I$2:I$68))","v":10200},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A8)*(Data!$A$2:$A$68=$A$7)*(Data!J$2:J$68))","v":10600},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A8)*(Data!$A$2:$A$68=$A$7)*(Data!K$2:K$68))","v":10300}]
["Revenue",{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A9)*(Data!$A$2:$A$68=$A$7)*(Data!C$2:C$68))","v":28900},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A9)*(Data!$A$2:$A$68=$A$7)*(Data!D$2:D$68))","v":33569},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A9)*(Data!$A$2:$A$68=$A$7)*(Data!E$2:E$68))","v":34511},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A9)*(Data!$A$2:$A$68=$A$7)*(Data!F$2:F$68))","v":35678},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A9)*(Data!$A$2:$A$68=$A$7)*(Data!G$2:G$68))","v":38976},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A9)*(Data!$A$2:$A$68=$A$7)*(Data!H$2:H$68))","v":40014},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A9)*(Data!$A$2:$A$68=$A$7)*(Data!I$2:I$68))","v":41017.5},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A9)*(Data!$A$2:$A$68=$A$7)*(Data!J$2:J$68))","v":42521.875},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A9)*(Data!$A$2:$A$68=$A$7)*(Data!K$2:K$68))","v":48152.34375}]
["Diluted Earnings Per Share",{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A10)*(Data!$A$2:$A$68=$A$7)*(Data!C$2:C$68))","v":3.1},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A10)*(Data!$A$2:$A$68=$A$7)*(Data!D$2:D$68))","v":3.2},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A10)*(Data!$A$2:$A$68=$A$7)*(Data!E$2:E$68))","v":3.35},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A10)*(Data!$A$2:$A$68=$A$7)*(Data!F$2:F$68))","v":3.4},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A10)*(Data!$A$2:$A$68=$A$7)*(Data!G$2:G$68))","v":3.45},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A10)*(Data!$A$2:$A$68=$A$7)*(Data!H$2:H$68))","v":3.6},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A10)*(Data!$A$2:$A$68=$A$7)*(Data!I$2:I$68))","v":4.5},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A10)*(Data!$A$2:$A$68=$A$7)*(Data!J$2:J$68))","v":5.625},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A10)*(Data!$A$2:$A$68=$A$7)*(Data!K$2:K$68))","v":7.03125}]
["Dividends Per Share",{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A11)*(Data!$A$2:$A$68=$A$7)*(Data!C$2:C$68))","v":0.97},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A11)*(Data!$A$2:$A$68=$A$7)*(Data!D$2:D$68))","v":1.05},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A11)*(Data!$A$2:$A$68=$A$7)*(Data!E$2:E$68))","v":1.1100000000000001},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A11)*(Data!$A$2:$A$68=$A$7)*(Data!F$2:F$68))","v":1.2},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A11)*(Data!$A$2:$A$68=$A$7)*(Data!G$2:G$68))","v":1.23},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A11)*(Data!$A$2:$A$68=$A$7)*(Data!H$2:H$68))","v":1.28},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A11)*(Data!$A$2:$A$68=$A$7)*(Data!I$2:I$68))","v":1.6},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A11)*(Data!$A$2:$A$68=$A$7)*(Data!J$2:J$68))","v":2},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A11)*(Data!$A$2:$A$68=$A$7)*(Data!K$2:K$68))","v":2.5}]
["Return on Assets",{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A12)*(Data!$A$2:$A$68=$A$7)*(Data!C$2:C$68))","v":2.6},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A12)*(Data!$A$2:$A$68=$A$7)*(Data!D$2:D$68))","v":2.4},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A12)*(Data!$A$2:$A$68=$A$7)*(Data!E$2:E$68))","v":2.6},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A12)*(Data!$A$2:$A$68=$A$7)*(Data!F$2:F$68))","v":2.5},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A12)*(Data!$A$2:$A$68=$A$7)*(Data!G$2:G$68))","v":2.5},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A12)*(Data!$A$2:$A$68=$A$7)*(Data!H$2:H$68))","v":2.6},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A12)*(Data!$A$2:$A$68=$A$7)*(Data!I$2:I$68))","v":3.25},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A12)*(Data!$A$2:$A$68=$A$7)*(Data!J$2:J$68))","v":4.0625},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A12)*(Data!$A$2:$A$68=$A$7)*(Data!K$2:K$68))","v":5.078125}]
["Return on Equity",{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A13)*(Data!$A$2:$A$68=$A$7)*(Data!C$2:C$68))","v":23.4},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A13)*(Data!$A$2:$A$68=$A$7)*(Data!D$2:D$68))","v":22.7},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A13)*(Data!$A$2:$A$68=$A$7)*(Data!E$2:E$68))","v":26.8},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A13)*(Data!$A$2:$A$68=$A$7)*(Data!F$2:F$68))","v":25.7},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A13)*(Data!$A$2:$A$68=$A$7)*(Data!G$2:G$68))","v":27.6},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A13)*(Data!$A$2:$A$68=$A$7)*(Data!H$2:H$68))","v":28.6},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A13)*(Data!$A$2:$A$68=$A$7)*(Data!I$2:I$68))","v":30.75},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A13)*(Data!$A$2:$A$68=$A$7)*(Data!J$2:J$68))","v":25.6875},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A13)*(Data!$A$2:$A$68=$A$7)*(Data!K$2:K$68))","v":22.859375}]
["Net Interest Margin",{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A14)*(Data!$A$2:$A$68=$A$7)*(Data!C$2:C$68))","v":7.5},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A14)*(Data!$A$2:$A$68=$A$7)*(Data!D$2:D$68))","v":7.8},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A14)*(Data!$A$2:$A$68=$A$7)*(Data!E$2:E$68))","v":8.3000000000000007},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A14)*(Data!$A$2:$A$68=$A$7)*(Data!F$2:F$68))","v":8.3000000000000007},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A14)*(Data!$A$2:$A$68=$A$7)*(Data!G$2:G$68))","v":8.4},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A14)*(Data!$A$2:$A$68=$A$7)*(Data!H$2:H$68))","v":8.6999999999999993},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A14)*(Data!$A$2:$A$68=$A$7)*(Data!I$2:I$68))","v":8.875},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A14)*(Data!$A$2:$A$68=$A$7)*(Data!J$2:J$68))","v":9},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A14)*(Data!$A$2:$A$68=$A$7)*(Data!K$2:K$68))","v":8.6999999999999993}]
["Efficiency Ratio",{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A15)*(Data!$A$2:$A$68=$A$7)*(Data!C$2:C$68))","v":0.84},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A15)*(Data!$A$2:$A$68=$A$7)*(Data!D$2:D$68))","v":0.9},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A15)*(Data!$A$2:$A$68=$A$7)*(Data!E$2:E$68))","v":0.85},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A15)*(Data!$A$2:$A$68=$A$7)*(Data!F$2:F$68))","v":0.87},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A15)*(Data!$A$2:$A$68=$A$7)*(Data!G$2:G$68))","v":0.84},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A15)*(Data!$A$2:$A$68=$A$7)*(Data!H$2:H$68))","v":0.88},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A15)*(Data!$A$2:$A$68=$A$7)*(Data!I$2:I$68))","v":1.1000000000000001},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A15)*(Data!$A$2:$A$68=$A$7)*(Data!J$2:J$68))","v":1.375},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A15)*(Data!$A$2:$A$68=$A$7)*(Data!K$2:K$68))","v":1.71875}]
["Assets",{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A16)*(Data!$A$2:$A$68=$A$7)*(Data!C$2:C$68))","v":440000},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A16)*(Data!$A$2:$A$68=$A$7)*(Data!D$2:D$68))","v":465000},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A16)*(Data!$A$2:$A$68=$A$7)*(Data!E$2:E$68))","v":480000},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A16)*(Data!$A$2:$A$68=$A$7)*(Data!F$2:F$68))","v":520000},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A16)*(Data!$A$2:$A$68=$A$7)*(Data!G$2:G$68))","v":550000},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A16)*(Data!$A$2:$A$68=$A$7)*(Data!H$2:H$68))","v":620000},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A16)*(Data!$A$2:$A$68=$A$7)*(Data!I$2:I$68))","v":675000},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A16)*(Data!$A$2:$A$68=$A$7)*(Data!J$2:J$68))","v":698750},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A16)*(Data!$A$2:$A$68=$A$7)*(Data!K$2:K$68))","v":668750}]
["Loans",{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A17)*(Data!$A$2:$A$68=$A$7)*(Data!C$2:C$68))","v":255923},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A17)*(Data!$A$2:$A$68=$A$7)*(Data!D$2:D$68))","v":267900},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A17)*(Data!$A$2:$A$68=$A$7)*(Data!E$2:E$68))","v":278900},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A17)*(Data!$A$2:$A$68=$A$7)*(Data!F$2:F$68))","v":298765},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A17)*(Data!$A$2:$A$68=$A$7)*(Data!G$2:G$68))","v":312900},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A17)*(Data!$A$2:$A$68=$A$7)*(Data!H$2:H$68))","v":320984},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A17)*(Data!$A$2:$A$68=$A$7)*(Data!I$2:I$68))","v":301230},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A17)*(Data!$A$2:$A$68=$A$7)*(Data!J$2:J$68))","v":298765},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A17)*(Data!$A$2:$A$68=$A$7)*(Data!K$2:K$68))","v":326921.875}]
["Core Deposits",{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A18)*(Data!$A$2:$A$68=$A$7)*(Data!C$2:C$68))","v":253651},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A18)*(Data!$A$2:$A$68=$A$7)*(Data!D$2:D$68))","v":262890},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A18)*(Data!$A$2:$A$68=$A$7)*(Data!E$2:E$68))","v":268931},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A18)*(Data!$A$2:$A$68=$A$7)*(Data!F$2:F$68))","v":274900},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A18)*(Data!$A$2:$A$68=$A$7)*(Data!G$2:G$68))","v":289150},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A18)*(Data!$A$2:$A$68=$A$7)*(Data!H$2:H$68))","v":305918},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A18)*(Data!$A$2:$A$68=$A$7)*(Data!I$2:I$68))","v":315918},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A18)*(Data!$A$2:$A$68=$A$7)*(Data!J$2:J$68))","v":307123},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A18)*(Data!$A$2:$A$68=$A$7)*(Data!K$2:K$68))","v":335918}]
["Stockholder's Equity",{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A19)*(Data!$A$2:$A$68=$A$7)*(Data!C$2:C$68))","v":28750},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A19)*(Data!$A$2:$A$68=$A$7)*(Data!D$2:D$68))","v":30800},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A19)*(Data!$A$2:$A$68=$A$7)*(Data!E$2:E$68))","v":31540},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A19)*(Data!$A$2:$A$68=$A$7)*(Data!F$2:F$68))","v":32700},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A19)*(Data!$A$2:$A$68=$A$7)*(Data!G$2:G$68))","v":33870},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A19)*(Data!$A$2:$A$68=$A$7)*(Data!H$2:H$68))","v":34900},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A19)*(Data!$A$2:$A$68=$A$7)*(Data!I$2:I$68))","v":35900},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A19)*(Data!$A$2:$A$68=$A$7)*(Data!J$2:J$68))","v":36900},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A19)*(Data!$A$2:$A$68=$A$7)*(Data!K$2:K$68))","v":37900}]
["Non-Performing Loans / Total Loans",{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A20)*(Data!$A$2:$A$68=$A$7)*(Data!C$2:C$68))","v":1.7},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A20)*(Data!$A$2:$A$68=$A$7)*(Data!D$2:D$68))","v":1.5},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A20)*(Data!$A$2:$A$68=$A$7)*(Data!E$2:E$68))","v":1.5},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A20)*(Data!$A$2:$A$68=$A$7)*(Data!F$2:F$68))","v":1.4},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A20)*(Data!$A$2:$A$68=$A$7)*(Data!G$2:G$68))","v":1.2},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A20)*(Data!$A$2:$A$68=$A$7)*(Data!H$2:H$68))","v":1.3},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A20)*(Data!$A$2:$A$68=$A$7)*(Data!I$2:I$68))","v":1.7},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A20)*(Data!$A$2:$A$68=$A$7)*(Data!J$2:J$68))","v":1.5},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A20)*(Data!$A$2:$A$68=$A$7)*(Data!K$2:K$68))","v":1.3}]
["Allowance / Total Loans",{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A21)*(Data!$A$2:$A$68=$A$7)*(Data!C$2:C$68))","v":2.9},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A21)*(Data!$A$2:$A$68=$A$7)*(Data!D$2:D$68))","v":2.9},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A21)*(Data!$A$2:$A$68=$A$7)*(Data!E$2:E$68))","v":3},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A21)*(Data!$A$2:$A$68=$A$7)*(Data!F$2:F$68))","v":3},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A21)*(Data!$A$2:$A$68=$A$7)*(Data!G$2:G$68))","v":3.1},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A21)*(Data!$A$2:$A$68=$A$7)*(Data!H$2:H$68))","v":3.2},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A21)*(Data!$A$2:$A$68=$A$7)*(Data!I$2:I$68))","v":2.9},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A21)*(Data!$A$2:$A$68=$A$7)*(Data!J$2:J$68))","v":2.9},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A21)*(Data!$A$2:$A$68=$A$7)*(Data!K$2:K$68))","v":3}]
["Allowance / Non-Performing Loans",{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A22)*(Data!$A$2:$A$68=$A$7)*(Data!C$2:C$68))","v":3.45},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A22)*(Data!$A$2:$A$68=$A$7)*(Data!D$2:D$68))","v":3.6},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A22)*(Data!$A$2:$A$68=$A$7)*(Data!E$2:E$68))","v":3.55},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A22)*(Data!$A$2:$A$68=$A$7)*(Data!F$2:F$68))","v":3.65},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A22)*(Data!$A$2:$A$68=$A$7)*(Data!G$2:G$68))","v":3.7},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A22)*(Data!$A$2:$A$68=$A$7)*(Data!H$2:H$68))","v":3.9},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A22)*(Data!$A$2:$A$68=$A$7)*(Data!I$2:I$68))","v":3.9},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A22)*(Data!$A$2:$A$68=$A$7)*(Data!J$2:J$68))","v":3.6},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A22)*(Data!$A$2:$A$68=$A$7)*(Data!K$2:K$68))","v":3.9}]
["Net Charge Offs / Average Total Loans",{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A23)*(Data!$A$2:$A$68=$A$7)*(Data!C$2:C$68))","v":1.7},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A23)*(Data!$A$2:$A$68=$A$7)*(Data!D$2:D$68))","v":1.4},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A23)*(Data!$A$2:$A$68=$A$7)*(Data!E$2:E$68))","v":1.6},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A23)*(Data!$A$2:$A$68=$A$7)*(Data!F$2:F$68))","v":1.6},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A23)*(Data!$A$2:$A$68=$A$7)*(Data!G$2:G$68))","v":1.5},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A23)*(Data!$A$2:$A$68=$A$7)*(Data!H$2:H$68))","v":1.4},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A23)*(Data!$A$2:$A$68=$A$7)*(Data!I$2:I$68))","v":1.3},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A23)*(Data!$A$2:$A$68=$A$7)*(Data!J$2:J$68))","v":1.6},{"$f":"SUMPRODUCT((Data!$B$2:$B$68=$A23)*(Data!$A$2:$A$68=$A$7)*(Data!K$2:K$68))","v":1.5}]
[]
[]
["Chart",{"$f":"B2","v":"FY 12"},"FY 13","FY 14","FY 15","FY 16","FY 17"]
["Net Income",{"$f":"INDEX($A$8:$J$23,MATCH($A27,$A$8:$A$23,0),MATCH(B$26,$B$7:$J$7,0)+1)","v":7400},{"$f":"INDEX($A$8:$J$23,MATCH($A27,$A$8:$A$23,0),MATCH(C$26,$B$7:$J$7,0)+1)","v":8100},{"$f":"INDEX($A$8:$J$23,MATCH($A27,$A$8:$A$23,0),MATCH(D$26,$B$7:$J$7,0)+1)","v":8300},9600,10200,10000]
["Revenue",{"$f":"INDEX($A$8:$J$23,MATCH($A28,$A$8:$A$23,0),MATCH(B$26,$B$7:$J$7,0)+1)","v":28900},33569,34511,35678,38976,40014]
["Diluted Earnings Per Share",3.1,3.2,3.35,3.4,3.45,3.6]
["Dividends Per Share",0.97,1.05,1.1100000000000001,1.2,1.23,1.28]
["Return on Assets",2.6,2.4,2.6,2.5,2.5,2.6]
["Return on Equity",23.4,22.7,26.8,25.7,27.6,28.6]
["Net Interest Margin",7.5,7.8,8.3000000000000007,8.3000000000000007,8.4,8.6999999999999993]
["Efficiency Ratio",0.84,0.9,0.85,0.87,0.84,0.88]
["Assets",440000,465000,480000,520000,550000,620000]
["Loans",255923,267900,278900,298765,312900,320984]
["Core Deposits",253651,262890,268931,274900,289150,305918]
["Stockholder's Equity",28750,30800,31540,32700,33870,34900]
["Non-Performing Loans / Total Loans",1.7,1.5,1.5,1.4,1.2,1.3]
["Allowance / Total Loans",2.9,2.9,3,3,3.1,3.2]
["Allowance / Non-Performing Loans",3.45,3.6,3.55,3.65,3.7,3.9]
["Net Charge Offs / Average Total Loans",1.7,1.4,1.6,1.6,1.5,1.4]
[]
[]
["Hires and Terminations",{"$f":"\"FY \"&IF(RIGHT(C45,2)-1<10,\"0\"&RIGHT(C45,2)-1,RIGHT(C45,2)-1)","v":"FY 10"},{"$f":"\"FY \"&IF(RIGHT(D45,2)-1<10,\"0\"&RIGHT(D45,2)-1,RIGHT(D45,2)-1)","v":"FY 11"},{"$f":"B26","v":"FY 12"},"FY 13","FY 14","FY 15","FY 16","FY 17"]
["New Hires",{"$f":"SUMPRODUCT((Hires!$A$2:$A$10=$A46)*(Hires!$B$2:$B$10=$A$7)*(Hires!$C$1:$M$1=B$45)*(Hires!$C$2:$M$10))","v":599.76},{"$f":"SUMPRODUCT((Hires!$A$2:$A$10=$A46)*(Hires!$B$2:$B$10=$A$7)*(Hires!$C$1:$M$1=C$45)*(Hires!$C$2:$M$10))","v":264.47999999999996},{"$f":"SUMPRODUCT((Hires!$A$2:$A$10=$A46)*(Hires!$B$2:$B$10=$A$7)*(Hires!$C$1:$M$1=D$45)*(Hires!$C$2:$M$10))","v":408},{"$f":"SUMPRODUCT((Hires!$A$2:$A$10=$A46)*(Hires!$B$2:$B$10=$A$7)*(Hires!$C$1:$M$1=E$45)*(Hires!$C$2:$M$10))","v":514},{"$f":"SUMPRODUCT((Hires!$A$2:$A$10=$A46)*(Hires!$B$2:$B$10=$A$7)*(Hires!$C$1:$M$1=F$45)*(Hires!$C$2:$M$10))","v":612},{"$f":"SUMPRODUCT((Hires!$A$2:$A$10=$A46)*(Hires!$B$2:$B$10=$A$7)*(Hires!$C$1:$M$1=G$45)*(Hires!$C$2:$M$10))","v":232},{"$f":"SUMPRODUCT((Hires!$A$2:$A$10=$A46)*(Hires!$B$2:$B$10=$A$7)*(Hires!$C$1:$M$1=H$45)*(Hires!$C$2:$M$10))","v":387},{"$f":"SUMPRODUCT((Hires!$A$2:$A$10=$A46)*(Hires!$B$2:$B$10=$A$7)*(Hires!$C$1:$M$1=I$45)*(Hires!$C$2:$M$10))","v":418}]
["Termination",{"$f":"SUMPRODUCT((Hires!$A$2:$A$10=$A47)*(Hires!$B$2:$B$10=$A$7)*(Hires!$C$1:$M$1=B$45)*(Hires!$C$2:$M$10))","v":-416.16},{"$f":"SUMPRODUCT((Hires!$A$2:$A$10=$A47)*(Hires!$B$2:$B$10=$A$7)*(Hires!$C$1:$M$1=C$45)*(Hires!$C$2:$M$10))","v":-234.78},{"$f":"SUMPRODUCT((Hires!$A$2:$A$10=$A47)*(Hires!$B$2:$B$10=$A$7)*(Hires!$C$1:$M$1=D$45)*(Hires!$C$2:$M$10))","v":-612},{"$f":"SUMPRODUCT((Hires!$A$2:$A$10=$A47)*(Hires!$B$2:$B$10=$A$7)*(Hires!$C$1:$M$1=E$45)*(Hires!$C$2:$M$10))","v":-511},{"$f":"SUMPRODUCT((Hires!$A$2:$A$10=$A47)*(Hires!$B$2:$B$10=$A$7)*(Hires!$C$1:$M$1=F$45)*(Hires!$C$2:$M$10))","v":-408},{"$f":"SUMPRODUCT((Hires!$A$2:$A$10=$A47)*(Hires!$B$2:$B$10=$A$7)*(Hires!$C$1:$M$1=G$45)*(Hires!$C$2:$M$10))","v":-301},{"$f":"SUMPRODUCT((Hires!$A$2:$A$10=$A47)*(Hires!$B$2:$B$10=$A$7)*(Hires!$C$1:$M$1=H$45)*(Hires!$C$2:$M$10))","v":-354},{"$f":"SUMPRODUCT((Hires!$A$2:$A$10=$A47)*(Hires!$B$2:$B$10=$A$7)*(Hires!$C$1:$M$1=I$45)*(Hires!$C$2:$M$10))","v":-102}]
[]
[]
["Other Metrics","Current Mth"]
["Interest Income",{"$f":"SUMPRODUCT((Other!$A$2:$A$40=$A$7)*(Other!$B$2:$B$40=$A51)*(Other!$C$2:$C$40))","v":166.66666666666669}]
["Funds Mgt Income",{"$f":"SUMPRODUCT((Other!$A$2:$A$40=$A$7)*(Other!$B$2:$B$40=$A52)*(Other!$C$2:$C$40))","v":333.33333333333337}]
["Insurance Income",{"$f":"SUMPRODUCT((Other!$A$2:$A$40=$A$7)*(Other!$B$2:$B$40=$A53)*(Other!$C$2:$C$40))","v":250}]
["Other Bank Income",{"$f":"SUMPRODUCT((Other!$A$2:$A$40=$A$7)*(Other!$B$2:$B$40=$A54)*(Other!$C$2:$C$40))","v":83.333333333333343}]
["Net Income",{"$f":"SUMPRODUCT((Other!$A$2:$A$40=$A$7)*(Other!$B$2:$B$40=$A55)*(Other!$C$2:$C$40))","v":833.33333333333337}]
["Operational Expenses",{"$f":"SUMPRODUCT((Other!$A$2:$A$40=$A$7)*(Other!$B$2:$B$40=$A56)*(Other!$C$2:$C$40))","v":416.66666666666669}]
["Loan Imparement Expenses",{"$f":"SUMPRODUCT((Other!$A$2:$A$40=$A$7)*(Other!$B$2:$B$40=$A57)*(Other!$C$2:$C$40))","v":104.16666666666667}]
["Net Expenses",{"$f":"SUMPRODUCT((Other!$A$2:$A$40=$A$7)*(Other!$B$2:$B$40=$A58)*(Other!$C$2:$C$40))","v":520.83333333333337}]
["Net Profit",{"$f":"SUMPRODUCT((Other!$A$2:$A$40=$A$7)*(Other!$B$2:$B$40=$A59)*(Other!$C$2:$C$40))","v":312.5}]
[]
[]
["FTEs","Measure","Current Mth"]
["Actual","Prior Yr",{"$f":"SUMPRODUCT((FTE!$A$2:$A$24=$A$7)*(FTE!$D$2:$D$24=$A63)*(FTE!$C$2:$C$24=$B63)*(FTE!$E$2:$E$24))","v":5217.7951525493299}]
["Plan","Prior Yr",{"$f":"SUMPRODUCT((FTE!$A$2:$A$24=$A$7)*(FTE!$D$2:$D$24=$A64)*(FTE!$C$2:$C$24=$B64)*(FTE!$E$2:$E$24))","v":5098.3368102676704}]
["Actual","Cur Yr",{"$f":"SUMPRODUCT((FTE!$A$2:$A$24=$A$7)*(FTE!$D$2:$D$24=$A65)*(FTE!$C$2:$C$24=$B65)*(FTE!$E$2:$E$24))","v":6942.3236953118912}]
["Plan","Cur Yr",{"$f":"SUMPRODUCT((FTE!$A$2:$A$24=$A$7)*(FTE!$D$2:$D$24=$A66)*(FTE!$C$2:$C$24=$B66)*(FTE!$E$2:$E$24))","v":6973.1981852567769}]
["Forecast","Cur Yr",{"$f":"SUMPRODUCT((FTE!$A$2:$A$24=$A$7)*(FTE!$D$2:$D$24=$A67)*(FTE!$C$2:$C$24=$B67)*(FTE!$E$2:$E$24))","v":6673.1981852567797}]
[]
[]
["% of Revenue","%"]
["Home Loans",{"$f":"SUMPRODUCT((General!$A$2:$A$40=$A$7)*(General!$B$2:$B$40=$A71)*(General!$C$2:$C$40))","v":0.12}]
["Credit Cards",{"$f":"SUMPRODUCT((General!$A$2:$A$40=$A$7)*(General!$B$2:$B$40=$A72)*(General!$C$2:$C$40))","v":0.25}]
["Houshold Lending",{"$f":"SUMPRODUCT((General!$A$2:$A$40=$A$7)*(General!$B$2:$B$40=$A73)*(General!$C$2:$C$40))","v":0.04}]
["Other Bank Income",{"$f":"SUMPRODUCT((General!$A$2:$A$40=$A$7)*(General!$B$2:$B$40=$A74)*(General!$C$2:$C$40))","v":0.02}]
["Retail Deposits",{"$f":"SUMPRODUCT((General!$A$2:$A$40=$A$7)*(General!$B$2:$B$40=$A75)*(General!$C$2:$C$40))","v":0.06}]
["Business Lending",{"$f":"SUMPRODUCT((General!$A$2:$A$40=$A$7)*(General!$B$2:$B$40=$A76)*(General!$C$2:$C$40))","v":0.18}]
["Asset Finance",{"$f":"SUMPRODUCT((General!$A$2:$A$40=$A$7)*(General!$B$2:$B$40=$A77)*(General!$C$2:$C$40))","v":0.2}]
["Equities Trading",{"$f":"SUMPRODUCT((General!$A$2:$A$40=$A$7)*(General!$B$2:$B$40=$A78)*(General!$C$2:$C$40))","v":0.1}]
["FX Trading",{"$f":"SUMPRODUCT((General!$A$2:$A$40=$A$7)*(General!$B$2:$B$40=$A79)*(General!$C$2:$C$40))","v":0.03}]
[]
[]
["Satisfaction","States","PY","PY Gap","CY","CY Gap"]
["Customer",{"$f":"A7","v":"England"},{"$f":"SUMIFS(Cust!C$2:C$5,Cust!$B$2:$B$5,$A$7)","v":0.87},{"$f":"1-C83","v":0.13},{"$f":"SUMIFS(Cust!D$2:D$5,Cust!$B$2:$B$5,$A$7)","v":0.83},{"$f":"1-E83","v":0.17000000000000004}]
[]
[]
["Avg Sick Days","Country","Jul","Aug","Sep","Oct","Nov","Dec","Jan","Feb","Mar","Apr","May","Jun"]
["CY",{"$f":"$A$7","v":"England"},{"$f":"SUMIFS(Sick!C$2:C$10,Sick!$A$2:$A$10,$A87,Sick!$B$2:$B$10,$B87)","v":7.7616000000000005},{"$f":"SUMIFS(Sick!D$2:D$10,Sick!$A$2:$A$10,$A87,Sick!$B$2:$B$10,$B87)","v":9.7944000000000031},{"$f":"SUMIFS(Sick!E$2:E$10,Sick!$A$2:$A$10,$A87,Sick!$B$2:$B$10,$B87)","v":7.4844000000000017},{"$f":"SUMIFS(Sick!F$2:F$10,Sick!$A$2:$A$10,$A87,Sick!$B$2:$B$10,$B87)","v":10.348800000000002},{"$f":"SUMIFS(Sick!G$2:G$10,Sick!$A$2:$A$10,$A87,Sick!$B$2:$B$10,$B87)","v":9.3324000000000016},{"$f":"SUMIFS(Sick!H$2:H$10,Sick!$A$2:$A$10,$A87,Sick!$B$2:$B$10,$B87)","v":9.9792000000000023},{"$f":"SUMIFS(Sick!I$2:I$10,Sick!$A$2:$A$10,$A87,Sick!$B$2:$B$10,$B87)","v":8.5008000000000017},{"$f":"SUMIFS(Sick!J$2:J$10,Sick!$A$2:$A$10,$A87,Sick!$B$2:$B$10,$B87)","v":10.348800000000002},{"$f":"SUMIFS(Sick!K$2:K$10,Sick!$A$2:$A$10,$A87,Sick!$B$2:$B$10,$B87)","v":8.6856000000000009},{"$f":"SUMIFS(Sick!L$2:L$10,Sick!$A$2:$A$10,$A87,Sick!$B$2:$B$10,$B87)","v":7.9464000000000006},{"$f":"SUMIFS(Sick!M$2:M$10,Sick!$A$2:$A$10,$A87,Sick!$B$2:$B$10,$B87)","v":8.4084000000000021},{"$f":"SUMIFS(Sick!N$2:N$10,Sick!$A$2:$A$10,$A87,Sick!$B$2:$B$10,$B87)","v":8.7780000000000005}]
["PY",{"$f":"$A$7","v":"England"},{"$f":"SUMIFS(Sick!C$2:C$10,Sick!$A$2:$A$10,$A88,Sick!$B$2:$B$10,$B88)","v":6.5620800000000008},{"$f":"SUMIFS(Sick!D$2:D$10,Sick!$A$2:$A$10,$A88,Sick!$B$2:$B$10,$B88)","v":8.2807200000000023},{"$f":"SUMIFS(Sick!E$2:E$10,Sick!$A$2:$A$10,$A88,Sick!$B$2:$B$10,$B88)","v":6.2596800000000012},{"$f":"SUMIFS(Sick!F$2:F$10,Sick!$A$2:$A$10,$A88,Sick!$B$2:$B$10,$B88)","v":8.4672000000000018},{"$f":"SUMIFS(Sick!G$2:G$10,Sick!$A$2:$A$10,$A88,Sick!$B$2:$B$10,$B88)","v":7.2962400000000001},{"$f":"SUMIFS(Sick!H$2:H$10,Sick!$A$2:$A$10,$A88,Sick!$B$2:$B$10,$B88)","v":7.3483200000000011},{"$f":"SUMIFS(Sick!I$2:I$10,Sick!$A$2:$A$10,$A88,Sick!$B$2:$B$10,$B88)","v":6.2596800000000012},{"$f":"SUMIFS(Sick!J$2:J$10,Sick!$A$2:$A$10,$A88,Sick!$B$2:$B$10,$B88)","v":7.5264000000000015},{"$f":"SUMIFS(Sick!K$2:K$10,Sick!$A$2:$A$10,$A88,Sick!$B$2:$B$10,$B88)","v":6.6326399999999994},{"$f":"SUMIFS(Sick!L$2:L$10,Sick!$A$2:$A$10,$A88,Sick!$B$2:$B$10,$B88)","v":5.9236800000000001},{"$f":"SUMIFS(Sick!M$2:M$10,Sick!$A$2:$A$10,$A88,Sick!$B$2:$B$10,$B88)","v":6.6502800000000004},{"$f":"SUMIFS(Sick!N$2:N$10,Sick!$A$2:$A$10,$A88,Sick!$B$2:$B$10,$B88)","v":7.5809999999999995}]

{"sheet":"Check","index":11,"n_rows":44,"n_cols":13,"rows_kept":44,"cut":false,"hidden":false,"merged":[]}
[]
[null,{"$f":"Calcs!$A$7","v":"England"},{"$f":"Calcs!B7","v":"FY 12"},{"$f":"Calcs!C7","v":"FY 13"},{"$f":"Calcs!D7","v":"FY 14"},{"$f":"Calcs!E7","v":"FY 15"},{"$f":"Calcs!F7","v":"FY 16"},{"$f":"Calcs!G7","v":"FY 17"},{"$f":"Calcs!H7","v":"FY 18"},{"$f":"Calcs!I7","v":"FY 19"},{"$f":"Calcs!J7","v":"FY 20"},null,"Check"]
[null,"Net Income",{"$f":"SUMIFS(Data!C$2:C$69,Data!$B$2:$B$69,$B3,Data!$A$2:$A$69,$B$2)","v":7400},{"$f":"SUMIFS(Data!D$2:D$69,Data!$B$2:$B$69,$B3,Data!$A$2:$A$69,$B$2)","v":8100},{"$f":"SUMIFS(Data!E$2:E$69,Data!$B$2:$B$69,$B3,Data!$A$2:$A$69,$B$2)","v":8300},{"$f":"SUMIFS(Data!F$2:F$69,Data!$B$2:$B$69,$B3,Data!$A$2:$A$69,$B$2)","v":9600},{"$f":"SUMIFS(Data!G$2:G$69,Data!$B$2:$B$69,$B3,Data!$A$2:$A$69,$B$2)","v":10200},{"$f":"SUMIFS(Data!H$2:H$69,Data!$B$2:$B$69,$B3,Data!$A$2:$A$69,$B$2)","v":10000},{"$f":"SUMIFS(Data!I$2:I$69,Data!$B$2:$B$69,$B3,Data!$A$2:$A$69,$B$2)","v":10200},{"$f":"SUMIFS(Data!J$2:J$69,Data!$B$2:$B$69,$B3,Data!$A$2:$A$69,$B$2)","v":10600},{"$f":"SUMIFS(Data!K$2:K$69,Data!$B$2:$B$69,$B3,Data!$A$2:$A$69,$B$2)","v":10300}]
[null,"Revenue",{"$f":"SUMIFS(Data!C$2:C$69,Data!$B$2:$B$69,$B4,Data!$A$2:$A$69,$B$2)","v":28900},{"$f":"SUMIFS(Data!D$2:D$69,Data!$B$2:$B$69,$B4,Data!$A$2:$A$69,$B$2)","v":33569},{"$f":"SUMIFS(Data!E$2:E$69,Data!$B$2:$B$69,$B4,Data!$A$2:$A$69,$B$2)","v":34511},{"$f":"SUMIFS(Data!F$2:F$69,Data!$B$2:$B$69,$B4,Data!$A$2:$A$69,$B$2)","v":35678},{"$f":"SUMIFS(Data!G$2:G$69,Data!$B$2:$B$69,$B4,Data!$A$2:$A$69,$B$2)","v":38976},{"$f":"SUMIFS(Data!H$2:H$69,Data!$B$2:$B$69,$B4,Data!$A$2:$A$69,$B$2)","v":40014},{"$f":"SUMIFS(Data!I$2:I$69,Data!$B$2:$B$69,$B4,Data!$A$2:$A$69,$B$2)","v":41017.5},{"$f":"SUMIFS(Data!J$2:J$69,Data!$B$2:$B$69,$B4,Data!$A$2:$A$69,$B$2)","v":42521.875},{"$f":"SUMIFS(Data!K$2:K$69,Data!$B$2:$B$69,$B4,Data!$A$2:$A$69,$B$2)","v":48152.34375}]
[null,"Diluted Earnings Per Share",{"$f":"SUMIFS(Data!C$2:C$69,Data!$B$2:$B$69,$B5,Data!$A$2:$A$69,$B$2)","v":3.1},{"$f":"SUMIFS(Data!D$2:D$69,Data!$B$2:$B$69,$B5,Data!$A$2:$A$69,$B$2)","v":3.2},{"$f":"SUMIFS(Data!E$2:E$69,Data!$B$2:$B$69,$B5,Data!$A$2:$A$69,$B$2)","v":3.35},{"$f":"SUMIFS(Data!F$2:F$69,Data!$B$2:$B$69,$B5,Data!$A$2:$A$69,$B$2)","v":3.4},{"$f":"SUMIFS(Data!G$2:G$69,Data!$B$2:$B$69,$B5,Data!$A$2:$A$69,$B$2)","v":3.45},{"$f":"SUMIFS(Data!H$2:H$69,Data!$B$2:$B$69,$B5,Data!$A$2:$A$69,$B$2)","v":3.6},{"$f":"SUMIFS(Data!I$2:I$69,Data!$B$2:$B$69,$B5,Data!$A$2:$A$69,$B$2)","v":4.5},{"$f":"SUMIFS(Data!J$2:J$69,Data!$B$2:$B$69,$B5,Data!$A$2:$A$69,$B$2)","v":5.625},{"$f":"SUMIFS(Data!K$2:K$69,Data!$B$2:$B$69,$B5,Data!$A$2:$A$69,$B$2)","v":7.03125}]
[null,"Dividends Per Share",{"$f":"SUMIFS(Data!C$2:C$69,Data!$B$2:$B$69,$B6,Data!$A$2:$A$69,$B$2)","v":0.97},{"$f":"SUMIFS(Data!D$2:D$69,Data!$B$2:$B$69,$B6,Data!$A$2:$A$69,$B$2)","v":1.05},{"$f":"SUMIFS(Data!E$2:E$69,Data!$B$2:$B$69,$B6,Data!$A$2:$A$69,$B$2)","v":1.1100000000000001},{"$f":"SUMIFS(Data!F$2:F$69,Data!$B$2:$B$69,$B6,Data!$A$2:$A$69,$B$2)","v":1.2},{"$f":"SUMIFS(Data!G$2:G$69,Data!$B$2:$B$69,$B6,Data!$A$2:$A$69,$B$2)","v":1.23},{"$f":"SUMIFS(Data!H$2:H$69,Data!$B$2:$B$69,$B6,Data!$A$2:$A$69,$B$2)","v":1.28},{"$f":"SUMIFS(Data!I$2:I$69,Data!$B$2:$B$69,$B6,Data!$A$2:$A$69,$B$2)","v":1.6},{"$f":"SUMIFS(Data!J$2:J$69,Data!$B$2:$B$69,$B6,Data!$A$2:$A$69,$B$2)","v":2},{"$f":"SUMIFS(Data!K$2:K$69,Data!$B$2:$B$69,$B6,Data!$A$2:$A$69,$B$2)","v":2.5}]
[null,"Return on Assets",{"$f":"SUMIFS(Data!C$2:C$69,Data!$B$2:$B$69,$B7,Data!$A$2:$A$69,$B$2)","v":2.6},{"$f":"SUMIFS(Data!D$2:D$69,Data!$B$2:$B$69,$B7,Data!$A$2:$A$69,$B$2)","v":2.4},{"$f":"SUMIFS(Data!E$2:E$69,Data!$B$2:$B$69,$B7,Data!$A$2:$A$69,$B$2)","v":2.6},{"$f":"SUMIFS(Data!F$2:F$69,Data!$B$2:$B$69,$B7,Data!$A$2:$A$69,$B$2)","v":2.5},{"$f":"SUMIFS(Data!G$2:G$69,Data!$B$2:$B$69,$B7,Data!$A$2:$A$69,$B$2)","v":2.5},{"$f":"SUMIFS(Data!H$2:H$69,Data!$B$2:$B$69,$B7,Data!$A$2:$A$69,$B$2)","v":2.6},{"$f":"SUMIFS(Data!I$2:I$69,Data!$B$2:$B$69,$B7,Data!$A$2:$A$69,$B$2)","v":3.25},{"$f":"SUMIFS(Data!J$2:J$69,Data!$B$2:$B$69,$B7,Data!$A$2:$A$69,$B$2)","v":4.0625},{"$f":"SUMIFS(Data!K$2:K$69,Data!$B$2:$B$69,$B7,Data!$A$2:$A$69,$B$2)","v":5.078125}]
[null,"Return on Equity",{"$f":"SUMIFS(Data!C$2:C$69,Data!$B$2:$B$69,$B8,Data!$A$2:$A$69,$B$2)","v":23.4},{"$f":"SUMIFS(Data!D$2:D$69,Data!$B$2:$B$69,$B8,Data!$A$2:$A$69,$B$2)","v":22.7},{"$f":"SUMIFS(Data!E$2:E$69,Data!$B$2:$B$69,$B8,Data!$A$2:$A$69,$B$2)","v":26.8},{"$f":"SUMIFS(Data!F$2:F$69,Data!$B$2:$B$69,$B8,Data!$A$2:$A$69,$B$2)","v":25.7},{"$f":"SUMIFS(Data!G$2:G$69,Data!$B$2:$B$69,$B8,Data!$A$2:$A$69,$B$2)","v":27.6},{"$f":"SUMIFS(Data!H$2:H$69,Data!$B$2:$B$69,$B8,Data!$A$2:$A$69,$B$2)","v":28.6},{"$f":"SUMIFS(Data!I$2:I$69,Data!$B$2:$B$69,$B8,Data!$A$2:$A$69,$B$2)","v":30.75},{"$f":"SUMIFS(Data!J$2:J$69,Data!$B$2:$B$69,$B8,Data!$A$2:$A$69,$B$2)","v":25.6875},{"$f":"SUMIFS(Data!K$2:K$69,Data!$B$2:$B$69,$B8,Data!$A$2:$A$69,$B$2)","v":22.859375}]
[null,"Net Interest Margin",{"$f":"SUMIFS(Data!C$2:C$69,Data!$B$2:$B$69,$B9,Data!$A$2:$A$69,$B$2)","v":7.5},{"$f":"SUMIFS(Data!D$2:D$69,Data!$B$2:$B$69,$B9,Data!$A$2:$A$69,$B$2)","v":7.8},{"$f":"SUMIFS(Data!E$2:E$69,Data!$B$2:$B$69,$B9,Data!$A$2:$A$69,$B$2)","v":8.3000000000000007},{"$f":"SUMIFS(Data!F$2:F$69,Data!$B$2:$B$69,$B9,Data!$A$2:$A$69,$B$2)","v":8.3000000000000007},{"$f":"SUMIFS(Data!G$2:G$69,Data!$B$2:$B$69,$B9,Data!$A$2:$A$69,$B$2)","v":8.4},{"$f":"SUMIFS(Data!H$2:H$69,Data!$B$2:$B$69,$B9,Data!$A$2:$A$69,$B$2)","v":8.6999999999999993},{"$f":"SUMIFS(Data!I$2:I$69,Data!$B$2:$B$69,$B9,Data!$A$2:$A$69,$B$2)","v":8.875},{"$f":"SUMIFS(Data!J$2:J$69,Data!$B$2:$B$69,$B9,Data!$A$2:$A$69,$B$2)","v":9},{"$f":"SUMIFS(Data!K$2:K$69,Data!$B$2:$B$69,$B9,Data!$A$2:$A$69,$B$2)","v":8.6999999999999993}]
[null,"Efficiency Ratio",{"$f":"SUMIFS(Data!C$2:C$69,Data!$B$2:$B$69,$B10,Data!$A$2:$A$69,$B$2)","v":0.84},{"$f":"SUMIFS(Data!D$2:D$69,Data!$B$2:$B$69,$B10,Data!$A$2:$A$69,$B$2)","v":0.9},{"$f":"SUMIFS(Data!E$2:E$69,Data!$B$2:$B$69,$B10,Data!$A$2:$A$69,$B$2)","v":0.85},{"$f":"SUMIFS(Data!F$2:F$69,Data!$B$2:$B$69,$B10,Data!$A$2:$A$69,$B$2)","v":0.87},{"$f":"SUMIFS(Data!G$2:G$69,Data!$B$2:$B$69,$B10,Data!$A$2:$A$69,$B$2)","v":0.84},{"$f":"SUMIFS(Data!H$2:H$69,Data!$B$2:$B$69,$B10,Data!$A$2:$A$69,$B$2)","v":0.88},{"$f":"SUMIFS(Data!I$2:I$69,Data!$B$2:$B$69,$B10,Data!$A$2:$A$69,$B$2)","v":1.1000000000000001},{"$f":"SUMIFS(Data!J$2:J$69,Data!$B$2:$B$69,$B10,Data!$A$2:$A$69,$B$2)","v":1.375},{"$f":"SUMIFS(Data!K$2:K$69,Data!$B$2:$B$69,$B10,Data!$A$2:$A$69,$B$2)","v":1.71875}]
[null,"Assets",{"$f":"SUMIFS(Data!C$2:C$69,Data!$B$2:$B$69,$B11,Data!$A$2:$A$69,$B$2)","v":440000},{"$f":"SUMIFS(Data!D$2:D$69,Data!$B$2:$B$69,$B11,Data!$A$2:$A$69,$B$2)","v":465000},{"$f":"SUMIFS(Data!E$2:E$69,Data!$B$2:$B$69,$B11,Data!$A$2:$A$69,$B$2)","v":480000},{"$f":"SUMIFS(Data!F$2:F$69,Data!$B$2:$B$69,$B11,Data!$A$2:$A$69,$B$2)","v":520000},{"$f":"SUMIFS(Data!G$2:G$69,Data!$B$2:$B$69,$B11,Data!$A$2:$A$69,$B$2)","v":550000},{"$f":"SUMIFS(Data!H$2:H$69,Data!$B$2:$B$69,$B11,Data!$A$2:$A$69,$B$2)","v":620000},{"$f":"SUMIFS(Data!I$2:I$69,Data!$B$2:$B$69,$B11,Data!$A$2:$A$69,$B$2)","v":675000},{"$f":"SUMIFS(Data!J$2:J$69,Data!$B$2:$B$69,$B11,Data!$A$2:$A$69,$B$2)","v":698750},{"$f":"SUMIFS(Data!K$2:K$69,Data!$B$2:$B$69,$B11,Data!$A$2:$A$69,$B$2)","v":668750}]
[null,"Loans",{"$f":"SUMIFS(Data!C$2:C$69,Data!$B$2:$B$69,$B12,Data!$A$2:$A$69,$B$2)","v":255923},{"$f":"SUMIFS(Data!D$2:D$69,Data!$B$2:$B$69,$B12,Data!$A$2:$A$69,$B$2)","v":267900},{"$f":"SUMIFS(Data!E$2:E$69,Data!$B$2:$B$69,$B12,Data!$A$2:$A$69,$B$2)","v":278900},{"$f":"SUMIFS(Data!F$2:F$69,Data!$B$2:$B$69,$B12,Data!$A$2:$A$69,$B$2)","v":298765},{"$f":"SUMIFS(Data!G$2:G$69,Data!$B$2:$B$69,$B12,Data!$A$2:$A$69,$B$2)","v":312900},{"$f":"SUMIFS(Data!H$2:H$69,Data!$B$2:$B$69,$B12,Data!$A$2:$A$69,$B$2)","v":320984},{"$f":"SUMIFS(Data!I$2:I$69,Data!$B$2:$B$69,$B12,Data!$A$2:$A$69,$B$2)","v":301230},{"$f":"SUMIFS(Data!J$2:J$69,Data!$B$2:$B$69,$B12,Data!$A$2:$A$69,$B$2)","v":298765},{"$f":"SUMIFS(Data!K$2:K$69,Data!$B$2:$B$69,$B12,Data!$A$2:$A$69,$B$2)","v":326921.875}]
[null,"Core Deposits",{"$f":"SUMIFS(Data!C$2:C$69,Data!$B$2:$B$69,$B13,Data!$A$2:$A$69,$B$2)","v":253651},{"$f":"SUMIFS(Data!D$2:D$69,Data!$B$2:$B$69,$B13,Data!$A$2:$A$69,$B$2)","v":262890},{"$f":"SUMIFS(Data!E$2:E$69,Data!$B$2:$B$69,$B13,Data!$A$2:$A$69,$B$2)","v":268931},{"$f":"SUMIFS(Data!F$2:F$69,Data!$B$2:$B$69,$B13,Data!$A$2:$A$69,$B$2)","v":274900},{"$f":"SUMIFS(Data!G$2:G$69,Data!$B$2:$B$69,$B13,Data!$A$2:$A$69,$B$2)","v":289150},{"$f":"SUMIFS(Data!H$2:H$69,Data!$B$2:$B$69,$B13,Data!$A$2:$A$69,$B$2)","v":305918},{"$f":"SUMIFS(Data!I$2:I$69,Data!$B$2:$B$69,$B13,Data!$A$2:$A$69,$B$2)","v":315918},{"$f":"SUMIFS(Data!J$2:J$69,Data!$B$2:$B$69,$B13,Data!$A$2:$A$69,$B$2)","v":307123},{"$f":"SUMIFS(Data!K$2:K$69,Data!$B$2:$B$69,$B13,Data!$A$2:$A$69,$B$2)","v":335918}]
[null,"Stockholder's Equity",{"$f":"SUMIFS(Data!C$2:C$69,Data!$B$2:$B$69,$B14,Data!$A$2:$A$69,$B$2)","v":28750},{"$f":"SUMIFS(Data!D$2:D$69,Data!$B$2:$B$69,$B14,Data!$A$2:$A$69,$B$2)","v":30800},{"$f":"SUMIFS(Data!E$2:E$69,Data!$B$2:$B$69,$B14,Data!$A$2:$A$69,$B$2)","v":31540},{"$f":"SUMIFS(Data!F$2:F$69,Data!$B$2:$B$69,$B14,Data!$A$2:$A$69,$B$2)","v":32700},{"$f":"SUMIFS(Data!G$2:G$69,Data!$B$2:$B$69,$B14,Data!$A$2:$A$69,$B$2)","v":33870},{"$f":"SUMIFS(Data!H$2:H$69,Data!$B$2:$B$69,$B14,Data!$A$2:$A$69,$B$2)","v":34900},{"$f":"SUMIFS(Data!I$2:I$69,Data!$B$2:$B$69,$B14,Data!$A$2:$A$69,$B$2)","v":35900},{"$f":"SUMIFS(Data!J$2:J$69,Data!$B$2:$B$69,$B14,Data!$A$2:$A$69,$B$2)","v":36900},{"$f":"SUMIFS(Data!K$2:K$69,Data!$B$2:$B$69,$B14,Data!$A$2:$A$69,$B$2)","v":37900}]
[null,"Non-Performing Loans / Total Loans",{"$f":"SUMIFS(Data!C$2:C$69,Data!$B$2:$B$69,$B15,Data!$A$2:$A$69,$B$2)","v":1.7},{"$f":"SUMIFS(Data!D$2:D$69,Data!$B$2:$B$69,$B15,Data!$A$2:$A$69,$B$2)","v":1.5},{"$f":"SUMIFS(Data!E$2:E$69,Data!$B$2:$B$69,$B15,Data!$A$2:$A$69,$B$2)","v":1.5},{"$f":"SUMIFS(Data!F$2:F$69,Data!$B$2:$B$69,$B15,Data!$A$2:$A$69,$B$2)","v":1.4},{"$f":"SUMIFS(Data!G$2:G$69,Data!$B$2:$B$69,$B15,Data!$A$2:$A$69,$B$2)","v":1.2},{"$f":"SUMIFS(Data!H$2:H$69,Data!$B$2:$B$69,$B15,Data!$A$2:$A$69,$B$2)","v":1.3},{"$f":"SUMIFS(Data!I$2:I$69,Data!$B$2:$B$69,$B15,Data!$A$2:$A$69,$B$2)","v":1.7},{"$f":"SUMIFS(Data!J$2:J$69,Data!$B$2:$B$69,$B15,Data!$A$2:$A$69,$B$2)","v":1.5},{"$f":"SUMIFS(Data!K$2:K$69,Data!$B$2:$B$69,$B15,Data!$A$2:$A$69,$B$2)","v":1.3}]
[null,"Allowance / Total Loans",{"$f":"SUMIFS(Data!C$2:C$69,Data!$B$2:$B$69,$B16,Data!$A$2:$A$69,$B$2)","v":2.9},{"$f":"SUMIFS(Data!D$2:D$69,Data!$B$2:$B$69,$B16,Data!$A$2:$A$69,$B$2)","v":2.9},{"$f":"SUMIFS(Data!E$2:E$69,Data!$B$2:$B$69,$B16,Data!$A$2:$A$69,$B$2)","v":3},{"$f":"SUMIFS(Data!F$2:F$69,Data!$B$2:$B$69,$B16,Data!$A$2:$A$69,$B$2)","v":3},{"$f":"SUMIFS(Data!G$2:G$69,Data!$B$2:$B$69,$B16,Data!$A$2:$A$69,$B$2)","v":3.1},{"$f":"SUMIFS(Data!H$2:H$69,Data!$B$2:$B$69,$B16,Data!$A$2:$A$69,$B$2)","v":3.2},{"$f":"SUMIFS(Data!I$2:I$69,Data!$B$2:$B$69,$B16,Data!$A$2:$A$69,$B$2)","v":2.9},{"$f":"SUMIFS(Data!J$2:J$69,Data!$B$2:$B$69,$B16,Data!$A$2:$A$69,$B$2)","v":2.9},{"$f":"SUMIFS(Data!K$2:K$69,Data!$B$2:$B$69,$B16,Data!$A$2:$A$69,$B$2)","v":3}]
[null,"Allowance / Non-Performing Loans",{"$f":"SUMIFS(Data!C$2:C$69,Data!$B$2:$B$69,$B17,Data!$A$2:$A$69,$B$2)","v":3.45},{"$f":"SUMIFS(Data!D$2:D$69,Data!$B$2:$B$69,$B17,Data!$A$2:$A$69,$B$2)","v":3.6},{"$f":"SUMIFS(Data!E$2:E$69,Data!$B$2:$B$69,$B17,Data!$A$2:$A$69,$B$2)","v":3.55},{"$f":"SUMIFS(Data!F$2:F$69,Data!$B$2:$B$69,$B17,Data!$A$2:$A$69,$B$2)","v":3.65},{"$f":"SUMIFS(Data!G$2:G$69,Data!$B$2:$B$69,$B17,Data!$A$2:$A$69,$B$2)","v":3.7},{"$f":"SUMIFS(Data!H$2:H$69,Data!$B$2:$B$69,$B17,Data!$A$2:$A$69,$B$2)","v":3.9},{"$f":"SUMIFS(Data!I$2:I$69,Data!$B$2:$B$69,$B17,Data!$A$2:$A$69,$B$2)","v":3.9},{"$f":"SUMIFS(Data!J$2:J$69,Data!$B$2:$B$69,$B17,Data!$A$2:$A$69,$B$2)","v":3.6},{"$f":"SUMIFS(Data!K$2:K$69,Data!$B$2:$B$69,$B17,Data!$A$2:$A$69,$B$2)","v":3.9}]
[null,"Net Charge Offs / Average Total Loans",{"$f":"SUMIFS(Data!C$2:C$69,Data!$B$2:$B$69,$B18,Data!$A$2:$A$69,$B$2)","v":1.7},{"$f":"SUMIFS(Data!D$2:D$69,Data!$B$2:$B$69,$B18,Data!$A$2:$A$69,$B$2)","v":1.4},{"$f":"SUMIFS(Data!E$2:E$69,Data!$B$2:$B$69,$B18,Data!$A$2:$A$69,$B$2)","v":1.6},{"$f":"SUMIFS(Data!F$2:F$69,Data!$B$2:$B$69,$B18,Data!$A$2:$A$69,$B$2)","v":1.6},{"$f":"SUMIFS(Data!G$2:G$69,Data!$B$2:$B$69,$B18,Data!$A$2:$A$69,$B$2)","v":1.5},{"$f":"SUMIFS(Data!H$2:H$69,Data!$B$2:$B$69,$B18,Data!$A$2:$A$69,$B$2)","v":1.4},{"$f":"SUMIFS(Data!I$2:I$69,Data!$B$2:$B$69,$B18,Data!$A$2:$A$69,$B$2)","v":1.3},{"$f":"SUMIFS(Data!J$2:J$69,Data!$B$2:$B$69,$B18,Data!$A$2:$A$69,$B$2)","v":1.6},{"$f":"SUMIFS(Data!K$2:K$69,Data!$B$2:$B$69,$B18,Data!$A$2:$A$69,$B$2)","v":1.5}]
[]
[null,"Check",{"$f":"SUM(C3:C19)","v":1014672.1599999998},{"$f":"SUM(D3:D19)","v":1068306.45},1102234.6600000001,1171694.6199999999,1235149.52,1331871.46,1379325.3749999998,1394717.2250000001,1427999.8062499999]
[]
[null,"Total Check",{"$f":"C20-SUM(Calcs!B8:B24)","v":0},{"$f":"D20-SUM(Calcs!C8:C24)","v":0},{"$f":"E20-SUM(Calcs!D8:D24)","v":0},{"$f":"F20-SUM(Calcs!E8:E24)","v":0},{"$f":"G20-SUM(Calcs!F8:F24)","v":0},{"$f":"H20-SUM(Calcs!G8:G24)","v":0},{"$f":"I20-SUM(Calcs!H8:H24)","v":0},{"$f":"J20-SUM(Calcs!I8:I24)","v":0},{"$f":"K20-SUM(Calcs!J8:J24)","v":0},null,{"$f":"SUM(C22:L22)","v":0}]
[]
[]
[null,"Metric","CM Data","Check",null,null,null,null,null,null,null,null,"Check"]
[null,"Interest Income",{"$f":"SUMIFS(Other!$C$2:$C$41,Other!$A$2:$A$41,$B$2,Other!$B$2:$B$41,$B26)","v":166.66666666666669},{"$f":"C26-Calcs!B51","v":0}]
[null,"Funds Mgt Income",{"$f":"SUMIFS(Other!$C$2:$C$41,Other!$A$2:$A$41,$B$2,Other!$B$2:$B$41,$B27)","v":333.33333333333337},{"$f":"C27-Calcs!B52","v":0}]
[null,"Insurance Income",{"$f":"SUMIFS(Other!$C$2:$C$41,Other!$A$2:$A$41,$B$2,Other!$B$2:$B$41,$B28)","v":250},{"$f":"C28-Calcs!B53","v":0}]
[null,"Other Bank Income",{"$f":"SUMIFS(Other!$C$2:$C$41,Other!$A$2:$A$41,$B$2,Other!$B$2:$B$41,$B29)","v":83.333333333333343},{"$f":"C29-Calcs!B54","v":0}]
[null,"Net Income",{"$f":"SUMIFS(Other!$C$2:$C$41,Other!$A$2:$A$41,$B$2,Other!$B$2:$B$41,$B30)","v":833.33333333333337},{"$f":"C30-Calcs!B55","v":0}]
[null,"Operational Expenses",{"$f":"SUMIFS(Other!$C$2:$C$41,Other!$A$2:$A$41,$B$2,Other!$B$2:$B$41,$B31)","v":416.66666666666669},{"$f":"C31-Calcs!B56","v":0}]
[null,"Loan Imparement Expenses",{"$f":"SUMIFS(Other!$C$2:$C$41,Other!$A$2:$A$41,$B$2,Other!$B$2:$B$41,$B32)","v":104.16666666666667},{"$f":"C32-Calcs!B57","v":0}]
[null,"Net Expenses",{"$f":"SUMIFS(Other!$C$2:$C$41,Other!$A$2:$A$41,$B$2,Other!$B$2:$B$41,$B33)","v":520.83333333333337},{"$f":"C33-Calcs!B58","v":0}]
[null,"Net Profit",{"$f":"SUMIFS(Other!$C$2:$C$41,Other!$A$2:$A$41,$B$2,Other!$B$2:$B$41,$B34)","v":312.5},{"$f":"C34-Calcs!B59","v":0}]
[]
[null,"Check",null,{"$f":"SUM(D26:D35)","v":0},null,null,null,null,null,null,null,null,{"$f":"SUM(C36:L36)","v":0}]
[]
[null,"Hires and Terminations",{"$f":"Calcs!B45","v":"FY 10"},{"$f":"Calcs!C45","v":"FY 11"},{"$f":"Calcs!D45","v":"FY 12"},{"$f":"Calcs!E45","v":"FY 13"},{"$f":"Calcs!F45","v":"FY 14"},{"$f":"Calcs!G45","v":"FY 15"},{"$f":"Calcs!H45","v":"FY 16"},{"$f":"Calcs!I45","v":"FY 17"},null,null,"Check"]
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[null,"Check Totals",null,{"$f":"IF(M44=0,Lists!H2,Lists!H3)","v":"Model OK"},null,null,null,null,null,null,null,null,{"$f":"SUM(M3:M43)","v":0}]

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[null,"Houshold Lending",null,{"$f":"Calcs!B73","v":0.04},"Dividends Per Share",null,null,null,null,{"$f":"Calcs!B30","v":0.97},{"$f":"Calcs!C30","v":1.05},{"$f":"Calcs!D30","v":1.1100000000000001},{"$f":"Calcs!E30","v":1.2},{"$f":"Calcs!F30","v":1.23},{"$f":"Calcs!G30","v":1.28}]
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[null,null,null,null,"Non-Performing Loans / Total Loans",null,null,null,null,{"$f":"Calcs!B39","v":1.7},{"$f":"Calcs!C39","v":1.5},{"$f":"Calcs!D39","v":1.5},{"$f":"Calcs!E39","v":1.4},{"$f":"Calcs!F39","v":1.2},{"$f":"Calcs!G39","v":1.3}]
[null,null,null,null,"Allowance / Total Loans",null,null,null,null,{"$f":"Calcs!B40","v":2.9},{"$f":"Calcs!C40","v":2.9},{"$f":"Calcs!D40","v":3},{"$f":"Calcs!E40","v":3},{"$f":"Calcs!F40","v":3.1},{"$f":"Calcs!G40","v":3.2}]
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[null,null,null,null,"Net Charge Offs / Average Total Loans",null,null,null,null,{"$f":"Calcs!B42","v":1.7},{"$f":"Calcs!C42","v":1.4},{"$f":"Calcs!D42","v":1.6},{"$f":"Calcs!E42","v":1.6},{"$f":"Calcs!F42","v":1.5},{"$f":"Calcs!G42","v":1.4}]
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[null,"Funds Mgt Income",null,{"$f":"Calcs!B52","v":333.33333333333337}]
[null,"Insurance Income",null,{"$f":"Calcs!B53","v":250}]
[null,"Other Bank Income",null,{"$f":"Calcs!B54","v":83.333333333333343}]
[null,"Net Income",null,{"$f":"Calcs!B55","v":833.33333333333337}]
[null,"Operational Expenses",null,{"$f":"Calcs!B56","v":416.66666666666669}]
[null,"Loan Imparement Expenses",null,{"$f":"Calcs!B57","v":104.16666666666667}]
[null,"Net Expenses",null,{"$f":"Calcs!B58","v":520.83333333333337}]
[null,"Net Profit",null,{"$f":"Calcs!B59","v":312.5}]
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