Cash flow Agricultural Bank of China Limited

Equities

1288

CNE100000Q43

Banks

Delayed Hong Kong S.E. Other stock markets 12:27:53 21/04/2026 pm IST			5-day change	1st Jan Change
6.240 ^HKD	+1.13%		+4.87%	+7.96%

16/04	Agricultural Bank of China Sells 50 Billion Yuan Bonds	MT
14/04	Xiamen Port Development Issues 600 Million Yuan in Super Short-Term Commercial Paper	MT

7f6c7b8e0fb2831ea709c0ccbedec.XKrjeFJJZQPgErdtiUvS0AEoGZyY1k3UIn_UjE3mo-c.F8WWMB8mJEzUY_E95xSzpE0QfuTwkSKaSRqXuWDSz9Az7LsgCBE8SIp9hw

Published financial data: AGRICULTURAL BANK OF CHINA LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	1,00800Cr	1,10900Cr	1,22400Cr	1,27600Cr	1,20100Cr
Interest Income, Total	1,00800Cr	1,10900Cr	1,22400Cr	1,27600Cr	1,20100Cr
Interest On Deposits	43TCr	52TCr	65TCr	69TCr	63TCr
Interest Expense, Total	43TCr	52TCr	65TCr	69TCr	63TCr
Net Interest Income	58TCr	59TCr	57TCr	58TCr	57TCr
Income From Trading Activities	1.42TCr	551.9Cr	2.31TCr	2.55TCr	1.69TCr
Gain (Loss) on Sale of Assets	103.2Cr	90Cr	103.7Cr	80Cr	73Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	1.5TCr	606.9Cr	1.78TCr	2.78TCr	3.88TCr
Total Other Non Interest Income	11TCr	12TCr	8.18TCr	7.66TCr	9.91TCr
Non Interest Income, Total	14TCr	14TCr	12TCr	13TCr	16TCr
Revenues Before Provison For Loan Losses	72TCr	73TCr	70TCr	71TCr	73TCr
Provision For Loan Losses	17TCr	15TCr	14TCr	13TCr	13TCr
Total Revenues	56TCr	58TCr	56TCr	58TCr	60TCr
Salaries And Other Employee Benefits	14TCr	15TCr	15TCr	16TCr	17TCr
Occupancy Expense	1.98TCr	2.09TCr	2.16TCr	2.29TCr	2.35TCr
Selling General & Admin Expenses, Total	6.16TCr	6.19TCr	6.2TCr	6.11TCr	6.23TCr
(Income) Loss on Equity Invest.	-41Cr	-6.6Cr	-19Cr	-7.2Cr	-113.6Cr
Total Other Non Interest Expense	4.11TCr	4.48TCr	1.72TCr	1.7TCr	2.03TCr
Non Interest Expense, Total	26TCr	27TCr	25TCr	26TCr	27TCr
EBT, Excl. Unusual Items	30TCr	31TCr	31TCr	32TCr	32TCr
Restructuring Charges	-1.5Cr	-3.8Cr	-1.3Cr	-1.3Cr	-20L
Asset Writedown	-	-	-	-	-
EBT, Incl. Unusual Items	30TCr	31TCr	31TCr	32TCr	32TCr
Income Tax Expense	5.39TCr	4.75TCr	3.76TCr	3.65TCr	3.17TCr
Earnings From Continuing Operations	24TCr	26TCr	27TCr	28TCr	29TCr
Net Income to Company	24TCr	26TCr	27TCr	28TCr	29TCr
Minority Interest	-75Cr	45Cr	-46Cr	-59Cr	-96Cr
Net Income - (IS)	24TCr	26TCr	27TCr	28TCr	29TCr
Preferred Dividend and Other Adjustments	1.38TCr	1.72TCr	1.61TCr	1.93TCr	1.71TCr
Net Income to Common Incl Extra Items	23TCr	24TCr	25TCr	26TCr	27TCr
Net Income to Common Excl. Extra Items	23TCr	24TCr	25TCr	26TCr	27TCr
Per Share Items
Net EPS - Basic	0.65	0.69	0.72	0.75	0.78
Basic EPS - Continuing Operations	0.65	0.69	0.72	0.75	0.78
Basic Weighted Average Shares Outstanding	35TCr	35TCr	35TCr	35TCr	35TCr
Net EPS - Diluted	0.65	0.69	0.72	0.75	0.78
Diluted EPS - Continuing Operations	0.65	0.69	0.72	0.75	0.78
Diluted Weighted Average Shares Outstanding	35TCr	35TCr	35TCr	35TCr	35TCr
Normalized Basic EPS	0.53	0.55	0.55	0.57	0.58
Normalized Diluted EPS	0.53	0.55	0.55	0.57	0.58
Dividend Per Share	0.21	0.22	0.23	0.24	0.25
Payout Ratio	32.58	33.83	35.55	35.48	43.05
American Depositary Receipts Ratio (ADR)	25	25	25	25	25
Supplemental Items
Effective Tax Rate - (Ratio)	18.23	15.52	12.23	11.44	9.79
Total Current Taxes	6.6TCr	5.54TCr	4.96TCr	3.59TCr	2.57TCr
Total Deferred Taxes	-1.21TCr	-786.6Cr	-1.2TCr	61Cr	594.2Cr
Normalized Net Income	18TCr	19TCr	19TCr	20TCr	20TCr
Non-Cash Pension Expense	1.5Cr	3.8Cr	1.3Cr	1.3Cr	20L

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	19TCr	55TCr	71TCr	49TCr	73TCr
Investment Securities, Total	9,72500Cr	11,51000Cr	14,26600Cr	15,88400Cr	18,38500Cr
Trading Asset Securities, Total	18TCr	19TCr	22TCr	24TCr	24TCr
Total investments	9,90700Cr	11,69700Cr	14,48900Cr	16,12600Cr	18,62600Cr
Gross Loans	17,13600Cr	19,72300Cr	22,56400Cr	24,85600Cr	27,08300Cr
Allowance For Loan Losses	-72TCr	-78TCr	-88TCr	-93TCr	-96TCr
Net Loans	16,41500Cr	18,94000Cr	21,68100Cr	23,92700Cr	26,12600Cr
Gross Property Plant And Equipment	30TCr	31TCr	32TCr	33TCr	34TCr
Accumulated Depreciation	-14TCr	-15TCr	-15TCr	-17TCr	-18TCr
Net Property Plant And Equipment	16TCr	16TCr	17TCr	17TCr	17TCr
Goodwill	138.1Cr	138.1Cr	138.1Cr	138.1Cr	1.09TCr
Other Intangibles, Total	2.66TCr	2.79TCr	2.68TCr	2.68TCr	2.62TCr
Investment in Real Estate	201.8Cr	219.3Cr	221.1Cr	224.7Cr	252.5Cr
Accrued Interest Receivable	5.62TCr	6.35TCr	7.28TCr	8.11TCr	8.94TCr
Other Receivables	7.58TCr	7.3TCr	13TCr	25TCr	28TCr
Restricted Cash	1,97300Cr	2,15400Cr	2,35900Cr	1,88700Cr	2,35900Cr
Other Current Assets, Total	9.65TCr	8.34TCr	5.44TCr	12TCr	20TCr
Deferred Tax Assets Long-Term (Collected)	14TCr	15TCr	16TCr	15TCr	15TCr
Other Real Estate Owned And Foreclosed	90Cr	108.2Cr	140.5Cr	120.7Cr	138Cr
Deferred Charges Long-Term	271.8Cr	299.6Cr	516Cr	547.9Cr	570.2Cr
Other Long-Term Assets, Total	1.56TCr	1.45TCr	1.07TCr	993.8Cr	827Cr
Total Assets	29,06900Cr	33,92800Cr	39,87300Cr	43,23800Cr	48,78500Cr
Liabilities
Accrued Expenses, Total	17TCr	20TCr	23TCr	27TCr	31TCr
Interest Bearing Deposits	22,10300Cr	25,49700Cr	29,72800Cr	31,94500Cr	35,76800Cr
Non-Interest Bearing Deposits	1,10600Cr	1,68300Cr	2,34700Cr	2,48100Cr	2,37600Cr
Total Deposits	23,20900Cr	27,18100Cr	32,07500Cr	34,42600Cr	38,14400Cr
Short-Term Borrowings	2.41TCr	1,11200Cr	1,40100Cr	1,67200Cr	1,89000Cr
Current Portion of Long-Term Debt	2,14200Cr	1,58100Cr	1,91300Cr	1,81200Cr	3,27100Cr
Current Portion of Leases	-	-	-	-	392.6Cr
Long-Term Debt	44TCr	49TCr	62TCr	1,08000Cr	1,08000Cr
Long-Term Leases	1.01TCr	1.09TCr	1.17TCr	1.08TCr	656.9Cr
Current Income Taxes Payable	6.16TCr	4.77TCr	3.95TCr	576.1Cr	78Cr
Accrued Interest Payable	32TCr	40TCr	48TCr	55TCr	54TCr
Other Current Liabilities - (Bank / Utility Template)	19TCr	15TCr	13TCr	23TCr	22TCr
Pension & Other Post Retirement Benefits	247.4Cr	264.9Cr	247.4Cr	222.2Cr	205.1Cr
Deferred Tax Liability Non-Current	66Cr	90L	1.4Cr	31Cr	145.8Cr
Other Non Current Liabilities	8.17TCr	7.79TCr	6.81TCr	7.75TCr	6.74TCr
Total Liabilities	26,64800Cr	31,25300Cr	36,97600Cr	40,14100Cr	45,54100Cr
Preferred Stock Convertible	7.99TCr	8TCr	8TCr	8TCr	8TCr
Total Preferred Equity	7.99TCr	8TCr	8TCr	8TCr	8TCr
Common Stock, Total	35TCr	35TCr	35TCr	35TCr	35TCr
Additional Paid In Capital	17TCr	-	-	-	-
Retained Earnings	1,49800Cr	1,66800Cr	1,84400Cr	1,98600Cr	2,17400Cr
Comprehensive Income and Other	31TCr	57TCr	61TCr	68TCr	63TCr
Total Common Equity	2,33500Cr	2,58800Cr	2,80900Cr	3,01100Cr	3,15700Cr
Minority Interest	675.4Cr	603.9Cr	761.9Cr	646.5Cr	618.9Cr
Total Equity	2,42100Cr	2,67400Cr	2,89700Cr	3,09700Cr	3,24300Cr
Total Liabilities And Equity	29,06900Cr	33,92800Cr	39,87300Cr	43,23800Cr	48,78500Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	35TCr	35TCr	35TCr	35TCr	35TCr
ECS Total Common Shares Outstanding	35TCr	35TCr	35TCr	35TCr	35TCr
Book Value / Share	5.87	6.37	6.88	7.4	7.91
Tangible Book Value	2,30700Cr	2,55900Cr	2,78100Cr	2,98300Cr	3,12000Cr
Tangible Book Value Per Share	5.79	6.28	6.8	7.32	7.8
Average Assets	28,05700Cr	31,72800Cr	36,64500Cr	41,91700Cr	45,78900Cr
Average Loans	16,39700Cr	18,61600Cr	21,34800Cr	23,92600Cr	26,16400Cr
Total Debt	2,61100Cr	3,19000Cr	3,94500Cr	4,57500Cr	6,25200Cr
Deposits at Interest - Cash	1,05000Cr	1,63800Cr	2,44200Cr	1,77900Cr	2,17500Cr
Net Debt	58TCr	31TCr	-24TCr	1,61300Cr	2,99900Cr
Equity Method Investments, Total	829.7Cr	809.2Cr	838.6Cr	1.03TCr	1.98TCr
Full Time Employees	5L	5L	5L	5L	5L
Number Of Offices	22.82T	22.8T	22.86T	22.89T	23.14T

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	24TCr	26TCr	27TCr	28TCr	29TCr
Depreciation, Depletion & Amortization	1.98TCr	2.14TCr	2.23TCr	2.37TCr	2.45TCr
Total Depreciation, Depletion & Amortization	1.98TCr	2.14TCr	2.23TCr	2.37TCr	2.45TCr
(Gain) Loss On Sale of Asset - (CF)	-92Cr	-80Cr	-101.5Cr	-69Cr	-67Cr
(Gain) Loss on Sale of Investments - (CF)	273.4Cr	-649.4Cr	-570Cr	-1.19TCr	-3.93TCr
Total Asset Writedown	11Cr	5.9Cr	23Cr	27Cr	1.8Cr
Provision for Credit Losses	17TCr	15TCr	14TCr	13TCr	13TCr
(Income) Loss On Equity Investments - (CF)	-41Cr	-6.6Cr	-19Cr	-7.2Cr	-113.6Cr
Change in Other Net Operating Assets (Collected)	-1,70100Cr	-2,81100Cr	-3,21500Cr	-1,09600Cr	-1,57100Cr
Other Operating Activities	-20TCr	-26TCr	-27TCr	-33TCr	-31TCr
Cash from Operations	-1,47300Cr	-2,65000Cr	-3,06800Cr	-1LCr	-1,48000Cr
Capital Expenditure	-2.6TCr	-2.21TCr	-2.88TCr	-2.42TCr	-2.73TCr
Sale of Property, Plant, and Equipment	579Cr	585.7Cr	456.8Cr	706Cr	896.2Cr
Cash Acquisitions	-	-3.7Cr	-	-10L	-
Investment in Marketable and Equity Securities, Total	-56TCr	-1,30200Cr	-1,60700Cr	-2,58400Cr	-2,46500Cr
Other Investing Activities, Total	25TCr	27TCr	30TCr	36TCr	41TCr
Cash from Investing	-33TCr	-1,05200Cr	-1,33100Cr	-2,24400Cr	-2,07100Cr
Long-Term Debt Issued, Total	1,63500Cr	2,03600Cr	3,34200Cr	3,60300Cr	4,49600Cr
Total Debt Issued	1,63500Cr	2,03600Cr	3,34200Cr	3,60300Cr	4,49600Cr
Long-Term Debt Repaid, Total	-1,50200Cr	-1,66200Cr	-2,89100Cr	-3,18700Cr	-3,87900Cr
Total Debt Repaid	-1,50200Cr	-1,66200Cr	-2,89100Cr	-3,18700Cr	-3,87900Cr
Issuance of Common Stock	4TCr	8TCr	4.2TCr	14TCr	9TCr
Repurchase of Common Stock	-	-	-	-12TCr	-12TCr
Common Dividends Paid	-7.45TCr	-8.36TCr	-9.38TCr	-9.6TCr	-13TCr
Preferred Dividends Paid	-406.4Cr	-406.4Cr	-193.6Cr	-406.4Cr	-
Common & Preferred Stock Dividends Paid	-7.86TCr	-8.77TCr	-9.58TCr	-10TCr	-13TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	1,71300Cr	3,97200Cr	4,89400Cr	2,35100Cr	3,59300Cr
Other Financing Activities, Total	-4.05TCr	-6.81TCr	-8.99TCr	-11TCr	-11TCr
Cash from Financing	1,76700Cr	4,27000Cr	5,20100Cr	2,57700Cr	3,94600Cr
Foreign Exchange Rate Adjustments	-1.28TCr	1.26TCr	557.7Cr	-124.6Cr	-196.9Cr
Net Change in Cash	-5.04TCr	58TCr	81TCr	-67TCr	39TCr
Supplemental Items
Cash Interest Paid	38TCr	46TCr	60TCr	66TCr	67TCr
Cash Income Tax Paid (Refund)	5.87TCr	6.93TCr	5.78TCr	6.91TCr	4.98TCr
Net Debt Issued / Repaid	13TCr	37TCr	45TCr	42TCr	62TCr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.86	0.82	0.73	0.68	0.63
Return On Equity %	10.45	10.15	9.69	9.43	9.21
Return on Common Equity	10.2	9.83	9.39	9.03	8.88
Shareholders Value Added	-2.64TCr	-3.62TCr	-5.45TCr	-6.71TCr	-7.9TCr
Margin Analysis
SG&A Margin	45.03	45.5	43.13	43.18	43.99
Net Interest Income / Total Revenues %	103.98	101.68	102.14	100.02	95.26
EBT Excl. Non-Recurring Items Margin %	53.23	52.78	54.92	54.98	54.13
Income From Continuing Operations Margin %	43.52	44.58	48.2	48.69	48.83
Net Income Margin %	43.39	44.66	48.12	48.59	48.67
Net Avail. For Common Margin %	40.91	41.69	45.25	45.27	45.82
Normalized Net Income Margin	33.13	33.07	34.24	34.26	33.67
Asset quality
Nonperforming Loans / Total Loans %	1.43	1.37	1.33	1.3	1.27
Nonperforming Loans / Total Assets %	0.85	0.8	0.75	0.74	0.7
Nonperforming Assets / Total Assets %	0.85	0.8	0.76	0.75	0.71
NPAs / Loans and OREO	1.44	1.38	1.34	1.3	1.27
NPAs / Equity	10.19	10.18	10.43	10.44	10.63
Allowance for Credit Losses / Net Charge-offs %	-	-	-	-	-
Allowance for Credit Losses / Nonperforming Loans %	293.17	288.81	293.54	288.42	278.49
Allowance for Credit Losses / Total Loans %	4.2	3.97	3.91	3.74	3.53
Net Charge-offs / Total Average Loans %	-	-	-	-	-
Provision for Loan Losses / Net Charge-offs %	-	-	-	-	-
Earning Assets / IBL	110.38	110.02	107.98	108.73	107.94
Interest Income / Average Assets	3.59	3.49	3.34	3.04	2.62
Interest Expense / Average Assets	1.53	1.63	1.78	1.66	1.38
Net Interest Income / Average Assets	2.06	1.86	1.56	1.39	1.24
Non Interest Income / Average Assets	0.51	0.43	0.34	0.31	0.34
Non Interest Expense / Average Asset	0.93	0.86	0.69	0.62	0.6
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.92	7.81	7.31	7	6.7
Total Average Equity / Total Average Assets %	8.23	8.09	7.55	7.21	6.89
Total Equity + Allowance for Loan Losses / Total Loans %	18.3	17.5	16.72	16.17	15.48
Gross Loans / Total Deposits %	73.83	72.56	70.35	72.2	71
Net Loans / Total Deposits %	70.73	69.68	67.6	69.5	68.49
Tier 1 Capital Ratio %	13.46	13.37	12.87	13.63	12.97
Total Capital Ratio %	17.13	17.2	17.14	18.19	17.93
Core Tier 1 Capital Ratio	11.44	11.15	10.72	11.42	11.08
Tier 2 Capital Ratio	3.67	3.83	4.27	4.56	4.96
Coverage Ratio	293.17	288.81	293.54	288.42	278.49
Interbank Ratio	77.1	81.2	82.34	43.8	32.77
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.69	1.59	1.47	1.46	1.51
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	6.04	2.07	-3.07	1.56	-1.91
Non Interest Income, 1 Yr. Growth %	25.83	-5.72	17.38	5.66	18.98
Provision For Loan Losses, 1 Yr. Growth %	0.72	-12.43	-6.58	-3.59	-2.79
Total Revenues, 1 Yr. Growth %	12.38	4.38	1.77	3.72	2.99
Earnings From Cont. Operations, 1 Yr. Growth %	11.8	6.92	4.23	4.76	3.3
Net Income, 1 Yr. Growth %	11.7	7.45	3.91	4.72	3.18
Normalized Net Income, 1 Yr. Growth %	11.5	4.17	-0.13	3.78	1.22
Diluted EPS Before Extra, 1 Yr. Growth %	10.17	6.2	4.35	4.17	4
Dividend Per Share, 1 Yr. Growth %	11.72	7.45	3.92	4.76	3.14
Gross Loans, 1 Yr. Growth %	13.21	15.1	14.42	10.16	8.96
Allowance For Loan Losses, 1 Yr. Growth %	16.6	8.64	12.77	5.25	2.94
Net Loans, 1 Yr. Growth %	13.07	15.38	14.49	10.36	9.19
Non Performing Loans, 1 Yr. Growth %	3.66	10.29	10.96	7.12	6.61
Non Performing Assets, 1 Yr. Growth %	3.72	10.32	11.03	7.02	6.64
Total Assets, 1 Yr. Growth %	6.85	16.71	17.53	8.44	12.83
Total Deposits, 1 Yr Growth %	7.97	17.11	18	7.33	10.8
Tangible Book Value, 1 Yr. Growth %	9.84	10.95	8.63	7.25	4.61
Average Interest Earning Assets, 1 Yr. Growth %	9.69	13.86	15.58	14.2	9.05
Average Interest Bearing Liabilities, 1 Yr. Growth %	9.54	14.23	17.76	13.41	9.84
Common Equity, 1 Yr. Growth %	9.87	10.87	8.55	7.17	4.86
Total Equity, 1 Yr. Growth %	9.53	10.45	8.34	6.92	4.72
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	7.42	4.04	-0.54	-0.78	-0.19
Non Interest Income, 2 Yr. CAGR %	5.78	8.92	-7.23	11.37	12.12
Provision For Loan Losses, 2 Yr. CAGR %	9.4	-6.08	-9.55	-5.1	-3.19
Total Revenues, 2 Yr. CAGR %	6.43	8.31	0.35	2.74	3.35
Earnings From Cont. Operations, 2 Yr. CAGR %	6.6	9.34	5.61	4.5	4.03
Net Income, 2 Yr. CAGR %	6.64	9.55	5.68	4.31	3.95
Normalized Net Income, 2 Yr. CAGR %	5.39	7.77	2.02	1.81	2.49
Diluted EPS Before Extra, 2 Yr. CAGR %	4.94	8.17	5.27	4.26	4.08
Dividend Per Share, 2 Yr. CAGR %	6.62	9.56	5.67	4.34	3.95
Gross Loans, 2 Yr. CAGR %	13.38	14.15	14.75	12.27	9.56
Allowance For Loan Losses, 2 Yr. CAGR %	15.45	12.55	10.69	8.95	4.09
Net Loans, 2 Yr. CAGR %	13.29	14.22	14.93	12.4	9.77
Non Performing Loans, 2 Yr. CAGR %	14.58	6.92	10.62	9.02	6.86
Non Performing Assets, 2 Yr. CAGR %	14.61	6.97	10.68	9.01	6.83
Total Assets, 2 Yr. CAGR %	8.1	11.67	17.12	12.89	10.61
Total Deposits, 2 Yr CAGR %	7.41	12.45	17.56	12.54	9.05
Tangible Book Value, 2 Yr. CAGR %	11.85	10.39	9.8	7.93	5.92
Average Interest Earning Assets, 2 Yr. CAGR %	10.12	11.75	14.71	14.89	11.6
Average Interest Bearing Liabilities, 2 Yr. CAGR %	9.09	11.86	15.98	15.57	11.61
Common Equity, 2 Yr. CAGR %	11.78	10.37	9.7	7.86	6.01
Total Equity, 2 Yr. CAGR %	11.32	9.99	9.38	7.63	5.81
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	6.55	5.61	1.61	0.16	-1.16
Non Interest Income, 3 Yr. CAGR %	4.83	1.8	2.69	-3.12	13.85
Provision For Loan Losses, 3 Yr. CAGR %	6.68	1.58	-6.25	-7.61	-4.33
Total Revenues, 3 Yr. CAGR %	6.06	5.74	4.21	1.46	2.82
Earnings From Cont. Operations, 3 Yr. CAGR %	6.09	6.7	7.63	5.32	4.1
Net Income, 3 Yr. CAGR %	5.95	6.91	7.65	5.36	3.93
Normalized Net Income, 3 Yr. CAGR %	5.33	4.98	5.08	2.6	1.61
Diluted EPS Before Extra, 3 Yr. CAGR %	3.42	5.36	6.88	4.9	4.17
Dividend Per Share, 3 Yr. CAGR %	5.95	6.9	7.65	5.36	3.94
Gross Loans, 3 Yr. CAGR %	12.88	13.95	14.24	13.2	11.15
Allowance For Loan Losses, 3 Yr. CAGR %	14.57	13.14	12.62	8.84	6.91
Net Loans, 3 Yr. CAGR %	12.81	13.98	14.3	13.38	11.32
Non Performing Loans, 3 Yr. CAGR %	8.96	13.13	8.25	9.44	8.21
Non Performing Assets, 3 Yr. CAGR %	8.96	13.16	8.31	9.44	8.21
Total Assets, 3 Yr. CAGR %	8.74	10.9	13.59	14.15	12.87
Total Deposits, 3 Yr CAGR %	8.31	10.55	14.27	14.04	11.96
Tangible Book Value, 3 Yr. CAGR %	13.79	11.54	9.82	8.94	6.81
Average Interest Earning Assets, 3 Yr. CAGR %	9.86	11.35	13.01	14.54	12.91
Average Interest Bearing Liabilities, 3 Yr. CAGR %	9.18	10.77	13.79	15.12	13.63
Common Equity, 3 Yr. CAGR %	13.65	11.48	9.75	8.85	6.85
Total Equity, 3 Yr. CAGR %	13.08	11.03	9.43	8.55	6.65
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	7.74	5.95	3.66	3	0.88
Non Interest Income, 5 Yr. CAGR %	5.12	6.06	-0.17	0.35	6.36
Provision For Loan Losses, 5 Yr. CAGR %	13.92	8.18	-0.14	-1.15	-5.04
Total Revenues, 5 Yr. CAGR %	5.58	5.46	3.74	3.42	3.87
Earnings From Cont. Operations, 5 Yr. CAGR %	5.62	6.02	5.89	5.83	6.18
Net Income, 5 Yr. CAGR %	5.57	6.07	5.84	5.87	6.15
Normalized Net Income, 5 Yr. CAGR %	5.43	5.1	3.99	3.71	4.04
Diluted EPS Before Extra, 5 Yr. CAGR %	3.39	3.54	4.16	4.92	5.75
Dividend Per Share, 5 Yr. CAGR %	4	4.5	5.83	5.87	6.15
Gross Loans, 5 Yr. CAGR %	12.01	12.97	13.63	13.27	12.34
Allowance For Loan Losses, 5 Yr. CAGR %	12.48	14.13	13	11.44	9.13
Net Loans, 5 Yr. CAGR %	11.99	12.92	13.65	13.35	12.47
Non Performing Loans, 5 Yr. CAGR %	1.26	6.92	9.62	11.47	7.69
Non Performing Assets, 5 Yr. CAGR %	1.17	6.71	9.65	11.48	7.71
Total Assets, 5 Yr. CAGR %	8.24	10.01	12.02	11.69	12.39
Total Deposits, 5 Yr CAGR %	7.46	9.62	11.92	11.34	12.15
Tangible Book Value, 5 Yr. CAGR %	13.74	14.15	12.18	10.1	8.24
Average Interest Earning Assets, 5 Yr. CAGR %	9.02	9.87	11.78	12.75	12.44
Average Interest Bearing Liabilities, 5 Yr. CAGR %	8.92	9.67	11.85	12.67	12.92
Common Equity, 5 Yr. CAGR %	13.52	13.96	12.05	10.01	8.24
Total Equity, 5 Yr. CAGR %	12.87	13.35	11.58	9.65	7.97