Year & 1 & 2 & 3 & 4 & 5\\ \hline Book value/share & \$100.00 & \$116.00 & \$132.70 & \$146.64 & \$156.90 \\ ROE & 20\% & 18\% & 15\% & 10\% & 8\%\\ EPS & \$20.00 & \$20.88 & \$19.91 & \$14.66 & \$12.55 \\ Payout Ratio & 20\% & 20\% & 30\% & 30\% & 60\%\\ Dividend & \$4.00 & \$4.18 & \$5.97 & \$4.40 & \$7.53 \\ Reinvested & \$16.00 & \$16.70 & \$13.93 & \$10.26 & \$5.02 \\ \hline