Financial Ratios Agricultural Bank of China Limited

Equities

1288

CNE100000Q43

Banks

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07/01	Centergate Technologies Green Lights Indirect Subsidiary's Collateral for 45 Million Yuan Credit	MT
30/12	Abu Dhabi National Energy Company PJSC and Emirates Water and Electricity Company Announce Financial Closing for the 1 GW Al Dhafra Power Plant Advancing the UAE's Artificial Intelligence Strategy	CI

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Published financial data: AGRICULTURAL BANK OF CHINA LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	93TCr	1,00800Cr	1,10900Cr	1,22400Cr	1,27600Cr
Interest Income, Total	93TCr	1,00800Cr	1,10900Cr	1,22400Cr	1,27600Cr
Interest On Deposits	39TCr	43TCr	52TCr	65TCr	69TCr
Interest Expense, Total	39TCr	43TCr	52TCr	65TCr	69TCr
Net Interest Income	55TCr	58TCr	59TCr	57TCr	58TCr
Income From Trading Activities	1.64TCr	1.42TCr	551.9Cr	2.31TCr	2.55TCr
Gain (Loss) on Sale of Assets	117.2Cr	103.2Cr	90Cr	103.7Cr	80Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-731.1Cr	1.5TCr	606.9Cr	1.78TCr	2.78TCr
Total Other Non Interest Income	10TCr	11TCr	12TCr	8.18TCr	7.66TCr
Non Interest Income, Total	11TCr	14TCr	14TCr	12TCr	13TCr
Revenues Before Provison For Loan Losses	66TCr	72TCr	73TCr	70TCr	71TCr
Provision For Loan Losses	16TCr	17TCr	15TCr	14TCr	13TCr
Total Revenues	49TCr	56TCr	58TCr	56TCr	58TCr
Salaries And Other Employee Benefits	12TCr	14TCr	15TCr	15TCr	16TCr
Occupancy Expense	1.96TCr	1.98TCr	2.09TCr	2.16TCr	2.29TCr
Selling General & Admin Expenses, Total	4.95TCr	6.16TCr	6.19TCr	6.2TCr	6.11TCr
(Income) Loss on Equity Invest.	-52Cr	-41Cr	-6.6Cr	-19Cr	-7.2Cr
Total Other Non Interest Expense	3.78TCr	4.11TCr	4.48TCr	1.72TCr	1.7TCr
Non Interest Expense, Total	23TCr	26TCr	27TCr	25TCr	26TCr
EBT, Excl. Unusual Items	27TCr	30TCr	31TCr	31TCr	32TCr
Restructuring Charges	-50L	-1.5Cr	-3.8Cr	-1.3Cr	-1.3Cr
Asset Writedown	-	-	-	-	-
EBT, Incl. Unusual Items	27TCr	30TCr	31TCr	31TCr	32TCr
Income Tax Expense	4.86TCr	5.39TCr	4.75TCr	3.76TCr	3.65TCr
Earnings From Continuing Operations	22TCr	24TCr	26TCr	27TCr	28TCr
Net Income to Company	22TCr	24TCr	26TCr	27TCr	28TCr
Minority Interest	-48Cr	-75Cr	45Cr	-46Cr	-59Cr
Net Income - (IS)	22TCr	24TCr	26TCr	27TCr	28TCr
Preferred Dividend and Other Adjustments	953Cr	1.38TCr	1.72TCr	1.61TCr	1.93TCr
Net Income to Common Incl Extra Items	21TCr	23TCr	24TCr	25TCr	26TCr
Net Income to Common Excl. Extra Items	21TCr	23TCr	24TCr	25TCr	26TCr
Per Share Items
Net EPS - Basic	0.59	0.65	0.69	0.72	0.75
Basic EPS - Continuing Operations	0.59	0.65	0.69	0.72	0.75
Basic Weighted Average Shares Outstanding	35TCr	35TCr	35TCr	35TCr	35TCr
Net EPS - Diluted	0.59	0.65	0.69	0.72	0.75
Diluted EPS - Continuing Operations	0.59	0.65	0.69	0.72	0.75
Diluted Weighted Average Shares Outstanding	35TCr	35TCr	35TCr	35TCr	35TCr
Normalized Basic EPS	0.47	0.53	0.55	0.55	0.57
Normalized Diluted EPS	0.47	0.53	0.55	0.55	0.57
Dividend Per Share	0.19	0.21	0.22	0.23	0.24
Payout Ratio	33.9	32.58	33.83	35.55	35.48
American Depositary Receipts Ratio (ADR)	25	25	25	25	25
Supplemental Items
Effective Tax Rate - (Ratio)	18.36	18.23	15.52	12.23	11.44
Total Current Taxes	5.89TCr	6.6TCr	5.54TCr	4.96TCr	3.59TCr
Total Deferred Taxes	-1.02TCr	-1.21TCr	-786.6Cr	-1.2TCr	61Cr
Normalized Net Income	17TCr	18TCr	19TCr	19TCr	20TCr
Non-Cash Pension Expense	50L	1.5Cr	3.8Cr	1.3Cr	1.3Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	36TCr	19TCr	55TCr	71TCr	49TCr
Investment Securities, Total	9,33800Cr	9,72500Cr	11,51000Cr	14,26600Cr	15,88400Cr
Trading Asset Securities, Total	29TCr	18TCr	19TCr	22TCr	24TCr
Total investments	9,62400Cr	9,90700Cr	11,69700Cr	14,48900Cr	16,12600Cr
Gross Loans	15,13600Cr	17,13600Cr	19,72300Cr	22,56400Cr	24,85600Cr
Allowance For Loan Losses	-62TCr	-72TCr	-78TCr	-88TCr	-93TCr
Net Loans	14,51800Cr	16,41500Cr	18,94000Cr	21,68100Cr	23,92700Cr
Gross Property Plant And Equipment	29TCr	30TCr	31TCr	32TCr	33TCr
Accumulated Depreciation	-13TCr	-14TCr	-15TCr	-15TCr	-17TCr
Net Property Plant And Equipment	16TCr	16TCr	16TCr	17TCr	17TCr
Goodwill	138.1Cr	138.1Cr	138.1Cr	138.1Cr	138.1Cr
Other Intangibles, Total	2.35TCr	2.66TCr	2.79TCr	2.68TCr	2.68TCr
Investment in Real Estate	252.9Cr	201.8Cr	219.3Cr	221.1Cr	224.7Cr
Accrued Interest Receivable	5.42TCr	5.62TCr	6.35TCr	7.28TCr	8.11TCr
Other Receivables	9.95TCr	7.58TCr	7.3TCr	13TCr	25TCr
Restricted Cash	2,12600Cr	1,97300Cr	2,15400Cr	2,35900Cr	1,88700Cr
Other Current Assets, Total	8.74TCr	9.65TCr	8.34TCr	5.44TCr	12TCr
Deferred Tax Assets Long-Term (Collected)	13TCr	14TCr	15TCr	16TCr	15TCr
Other Real Estate Owned And Foreclosed	72Cr	90Cr	108.2Cr	140.5Cr	120.7Cr
Deferred Charges Long-Term	223.3Cr	271.8Cr	299.6Cr	516Cr	547.9Cr
Other Long-Term Assets, Total	958.8Cr	1.56TCr	1.45TCr	1.07TCr	993.8Cr
Total Assets	27,20500Cr	29,06900Cr	33,92800Cr	39,87300Cr	43,23800Cr
Liabilities
Accrued Expenses, Total	15TCr	17TCr	20TCr	23TCr	27TCr
Interest Bearing Deposits	20,56500Cr	22,10300Cr	25,49700Cr	29,72800Cr	31,94500Cr
Non-Interest Bearing Deposits	93TCr	1,10600Cr	1,68300Cr	2,34700Cr	2,48100Cr
Total Deposits	21,49600Cr	23,20900Cr	27,18100Cr	32,07500Cr	34,42600Cr
Short-Term Borrowings	6.66TCr	2.41TCr	1,11200Cr	1,40100Cr	1,67200Cr
Current Portion of Long-Term Debt	2,15500Cr	2,14200Cr	1,58100Cr	1,91300Cr	1,81200Cr
Long-Term Debt	45TCr	44TCr	49TCr	62TCr	1,08000Cr
Long-Term Leases	982.4Cr	1.01TCr	1.09TCr	1.17TCr	1.08TCr
Current Income Taxes Payable	5.43TCr	6.16TCr	4.77TCr	3.95TCr	576.1Cr
Accrued Interest Payable	27TCr	32TCr	40TCr	48TCr	55TCr
Other Current Liabilities - (Bank / Utility Template)	18TCr	19TCr	15TCr	13TCr	23TCr
Pension & Other Post Retirement Benefits	943.1Cr	247.4Cr	264.9Cr	247.4Cr	222.2Cr
Deferred Tax Liability Non-Current	33Cr	66Cr	90L	1.4Cr	31Cr
Other Non Current Liabilities	15TCr	8.17TCr	7.79TCr	6.81TCr	7.75TCr
Total Liabilities	24,99400Cr	26,64800Cr	31,25300Cr	36,97600Cr	40,14100Cr
Preferred Stock Convertible	7.99TCr	7.99TCr	8TCr	8TCr	8TCr
Total Preferred Equity	7.99TCr	7.99TCr	8TCr	8TCr	8TCr
Common Stock, Total	35TCr	35TCr	35TCr	35TCr	35TCr
Additional Paid In Capital	17TCr	17TCr	-	-	-
Retained Earnings	1,33600Cr	1,49800Cr	1,66800Cr	1,84400Cr	1,98600Cr
Comprehensive Income and Other	27TCr	31TCr	57TCr	61TCr	68TCr
Total Common Equity	2,12500Cr	2,33500Cr	2,58800Cr	2,80900Cr	3,01100Cr
Minority Interest	595.7Cr	675.4Cr	603.9Cr	761.9Cr	646.5Cr
Total Equity	2,21100Cr	2,42100Cr	2,67400Cr	2,89700Cr	3,09700Cr
Total Liabilities And Equity	27,20500Cr	29,06900Cr	33,92800Cr	39,87300Cr	43,23800Cr
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	5.39	5.87	6.37	6.88	7.4
Tangible Book Value	2,10000Cr	2,30700Cr	2,55900Cr	2,78100Cr	2,98300Cr
Tangible Book Value Per Share	5.31	5.79	6.28	6.8	7.32
Average Assets	25,86300Cr	28,05700Cr	31,72800Cr	36,64500Cr	41,91700Cr
Average Loans	14,42000Cr	16,39700Cr	18,61600Cr	21,34800Cr	23,92600Cr
Total Debt	2,68400Cr	2,61100Cr	3,19000Cr	3,94500Cr	4,57500Cr
Deposits at Interest - Cash	1,09900Cr	1,05000Cr	1,63800Cr	2,44200Cr	1,77900Cr
Net Debt	26TCr	58TCr	31TCr	-24TCr	1,61300Cr
Equity Method Investments, Total	886.5Cr	829.7Cr	809.2Cr	838.6Cr	1.03TCr
Full Time Employees	5L	5L	5L	5L	5L
Number Of Offices	22.95T	22.82T	22.8T	22.86T	22.89T

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	22TCr	24TCr	26TCr	27TCr	28TCr
Depreciation, Depletion & Amortization	1.96TCr	1.98TCr	2.14TCr	2.23TCr	2.37TCr
Total Depreciation, Depletion & Amortization	1.96TCr	1.98TCr	2.14TCr	2.23TCr	2.37TCr
(Gain) Loss On Sale of Asset - (CF)	-100.3Cr	-92Cr	-80Cr	-101.5Cr	-69Cr
(Gain) Loss on Sale of Investments - (CF)	-371.8Cr	273.4Cr	-649.4Cr	-570Cr	-1.19TCr
Total Asset Writedown	20Cr	11Cr	5.9Cr	23Cr	27Cr
Provision for Credit Losses	16TCr	17TCr	15TCr	14TCr	13TCr
(Income) Loss On Equity Investments - (CF)	-52Cr	-41Cr	-6.6Cr	-19Cr	-7.2Cr
Change in Other Net Operating Assets (Collected)	-1,64000Cr	-1,70100Cr	-2,81100Cr	-3,21500Cr	-1,09600Cr
Other Operating Activities	-19TCr	-20TCr	-26TCr	-27TCr	-33TCr
Cash from Operations	-1,43600Cr	-1,47300Cr	-2,65000Cr	-3,06800Cr	-1LCr
Capital Expenditure	-2.28TCr	-2.6TCr	-2.21TCr	-2.88TCr	-2.42TCr
Sale of Property, Plant, and Equipment	835Cr	579Cr	585.7Cr	456.8Cr	706Cr
Cash Acquisitions	-	-	-3.7Cr	-	-10L
Investment in Marketable and Equity Securities, Total	-68TCr	-56TCr	-1,30200Cr	-1,60700Cr	-2,58400Cr
Other Investing Activities, Total	23TCr	25TCr	27TCr	30TCr	36TCr
Cash from Investing	-47TCr	-33TCr	-1,05200Cr	-1,33100Cr	-2,24400Cr
Long-Term Debt Issued, Total	1,73100Cr	1,63500Cr	2,03600Cr	3,34200Cr	3,60300Cr
Total Debt Issued	1,73100Cr	1,63500Cr	2,03600Cr	3,34200Cr	3,60300Cr
Long-Term Debt Repaid, Total	-1,47300Cr	-1,50200Cr	-1,66200Cr	-2,89100Cr	-3,18700Cr
Total Debt Repaid	-1,47300Cr	-1,50200Cr	-1,66200Cr	-2,89100Cr	-3,18700Cr
Issuance of Common Stock	12TCr	4TCr	8TCr	4.2TCr	14TCr
Repurchase of Common Stock	-	-	-	-	-12TCr
Issuance of Preferred Stock	-	-	-	-	-
Common Dividends Paid	-6.89TCr	-7.45TCr	-8.36TCr	-9.38TCr	-9.6TCr
Preferred Dividends Paid	-432.8Cr	-406.4Cr	-406.4Cr	-193.6Cr	-406.4Cr
Common & Preferred Stock Dividends Paid	-7.32TCr	-7.86TCr	-8.77TCr	-9.58TCr	-10TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	1,37500Cr	1,71300Cr	3,97200Cr	4,89400Cr	2,35100Cr
Other Financing Activities, Total	-3.5TCr	-4.05TCr	-6.81TCr	-8.99TCr	-11TCr
Cash from Financing	1,64500Cr	1,76700Cr	4,27000Cr	5,20100Cr	2,57700Cr
Foreign Exchange Rate Adjustments	-1.9TCr	-1.28TCr	1.26TCr	557.7Cr	-124.6Cr
Net Change in Cash	-28TCr	-5.04TCr	58TCr	81TCr	-67TCr
Supplemental Items
Cash Interest Paid	35TCr	38TCr	46TCr	60TCr	66TCr
Cash Income Tax Paid (Refund)	6.38TCr	5.87TCr	6.93TCr	5.78TCr	6.91TCr
Net Debt Issued / Repaid	26TCr	13TCr	37TCr	45TCr	42TCr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.83	0.86	0.82	0.73	0.68
Return On Equity %	10.39	10.45	10.15	9.69	9.43
Return on Common Equity	10.34	10.2	9.83	9.39	9.03
Shareholders Value Added	-2.37TCr	-2.64TCr	-3.62TCr	-5.45TCr	-6.71TCr
Margin Analysis
SG&A Margin	44.52	45.03	45.5	43.13	43.18
Net Interest Income / Total Revenues %	110.2	103.98	101.68	102.14	100.02
EBT Excl. Non-Recurring Items Margin %	53.59	53.23	52.78	54.92	54.98
Income From Continuing Operations Margin %	43.75	43.52	44.58	48.2	48.69
Net Income Margin %	43.65	43.39	44.66	48.12	48.59
Net Avail. For Common Margin %	41.73	40.91	41.69	45.25	45.27
Normalized Net Income Margin	33.4	33.13	33.07	34.24	34.26
Asset quality
Nonperforming Loans / Total Loans %	1.57	1.43	1.37	1.33	1.3
Nonperforming Loans / Total Assets %	0.87	0.85	0.8	0.75	0.74
Nonperforming Assets / Total Assets %	0.87	0.85	0.8	0.76	0.75
NPAs / Loans and OREO	1.57	1.44	1.38	1.34	1.3
NPAs / Equity	10.76	10.19	10.18	10.43	10.44
Allowance for Credit Losses / Net Charge-offs %	-	-	-	-	-
Allowance for Credit Losses / Nonperforming Loans %	260.64	293.17	288.81	293.54	288.42
Allowance for Credit Losses / Total Loans %	4.08	4.2	3.97	3.91	3.74
Net Charge-offs / Total Average Loans %	-	-	-	-	-
Provision for Loan Losses / Net Charge-offs %	-	-	-	-	-
Earning Assets / IBL	110.22	110.38	110.02	107.98	108.73
Interest Income / Average Assets	3.6	3.59	3.49	3.34	3.04
Interest Expense / Average Assets	1.49	1.53	1.63	1.78	1.66
Net Interest Income / Average Assets	2.11	2.06	1.86	1.56	1.39
Non Interest Income / Average Assets	0.44	0.51	0.43	0.34	0.31
Non Interest Expense / Average Asset	0.89	0.93	0.86	0.69	0.62
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.67	7.92	7.81	7.31	7
Total Average Equity / Total Average Assets %	8	8.23	8.09	7.55	7.21
Total Equity + Allowance for Loan Losses / Total Loans %	18.65	18.3	17.5	16.72	16.17
Gross Loans / Total Deposits %	70.41	73.83	72.56	70.35	72.2
Net Loans / Total Deposits %	67.54	70.73	69.68	67.6	69.5
Tier 1 Capital Ratio %	12.92	13.46	13.37	12.87	13.63
Total Capital Ratio %	16.59	17.13	17.2	17.14	18.19
Core Tier 1 Capital Ratio	11.04	11.44	11.15	10.72	11.42
Tier 2 Capital Ratio	3.66	3.67	3.83	4.27	4.56
Coverage Ratio	260.64	293.17	288.81	293.54	288.42
Interbank Ratio	94.88	77.1	81.2	82.34	43.8
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.69	1.69	1.59	1.47	1.46
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	8.83	6.04	2.07	-3.07	1.56
Non Interest Income, 1 Yr. Growth %	-11.07	25.83	-5.72	17.38	5.66
Provision For Loan Losses, 1 Yr. Growth %	18.83	0.72	-12.43	-6.58	-3.59
Total Revenues, 1 Yr. Growth %	0.79	12.38	4.38	1.77	3.72
Earnings From Cont. Operations, 1 Yr. Growth %	1.63	11.8	6.92	4.23	4.76
Net Income, 1 Yr. Growth %	1.8	11.7	7.45	3.91	4.72
Normalized Net Income, 1 Yr. Growth %	-0.38	11.5	4.17	-0.13	3.78
Diluted EPS Before Extra, 1 Yr. Growth %	-0.05	10.17	6.2	4.35	4.17
Dividend Per Share, 1 Yr. Growth %	1.76	11.72	7.45	3.92	4.76
Gross Loans, 1 Yr. Growth %	13.55	13.21	15.1	14.42	10.16
Allowance For Loan Losses, 1 Yr. Growth %	14.32	16.6	8.64	12.77	5.25
Net Loans, 1 Yr. Growth %	13.52	13.07	15.38	14.49	10.36
Non Performing Loans, 1 Yr. Growth %	26.66	3.66	10.29	10.96	7.12
Non Performing Assets, 1 Yr. Growth %	26.64	3.72	10.32	11.03	7.02
Total Assets, 1 Yr. Growth %	9.36	6.85	16.71	17.53	8.44
Total Deposits, 1 Yr Growth %	6.85	7.97	17.11	18	7.33
Tangible Book Value, 1 Yr. Growth %	13.89	9.84	10.95	8.63	7.25
Average Interest Earning Assets, 1 Yr. Growth %	10.56	9.69	13.86	15.58	14.2
Average Interest Bearing Liabilities, 1 Yr. Growth %	8.64	9.54	14.23	17.76	13.41
Common Equity, 1 Yr. Growth %	13.72	9.87	10.87	8.55	7.17
Total Equity, 1 Yr. Growth %	13.15	9.53	10.45	8.34	6.92
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	6.81	7.42	4.04	-0.54	-0.78
Non Interest Income, 2 Yr. CAGR %	-4.32	5.78	8.92	-7.23	11.37
Provision For Loan Losses, 2 Yr. CAGR %	9.79	9.4	-6.08	-9.55	-5.1
Total Revenues, 2 Yr. CAGR %	3.04	6.43	8.31	0.35	2.74
Earnings From Cont. Operations, 2 Yr. CAGR %	3.34	6.6	9.34	5.61	4.5
Net Income, 2 Yr. CAGR %	3.19	6.64	9.55	5.68	4.31
Normalized Net Income, 2 Yr. CAGR %	2.38	5.39	7.77	2.02	1.81
Diluted EPS Before Extra, 2 Yr. CAGR %	0.2	4.94	8.17	5.27	4.26
Dividend Per Share, 2 Yr. CAGR %	3.17	6.62	9.56	5.67	4.34
Gross Loans, 2 Yr. CAGR %	12.72	13.38	14.15	14.75	12.27
Allowance For Loan Losses, 2 Yr. CAGR %	13.57	15.45	12.55	10.69	8.95
Net Loans, 2 Yr. CAGR %	12.68	13.29	14.22	14.93	12.4
Non Performing Loans, 2 Yr. CAGR %	11.71	14.58	6.92	10.62	9.02
Non Performing Assets, 2 Yr. CAGR %	11.68	14.61	6.97	10.68	9.01
Total Assets, 2 Yr. CAGR %	9.69	8.1	11.67	17.12	12.89
Total Deposits, 2 Yr CAGR %	8.48	7.41	12.45	17.56	12.54
Tangible Book Value, 2 Yr. CAGR %	15.82	11.85	10.39	9.8	7.93
Average Interest Earning Assets, 2 Yr. CAGR %	9.95	10.12	11.75	14.71	14.89
Average Interest Bearing Liabilities, 2 Yr. CAGR %	8.99	9.09	11.86	15.98	15.57
Common Equity, 2 Yr. CAGR %	15.59	11.78	10.37	9.7	7.86
Total Equity, 2 Yr. CAGR %	14.89	11.32	9.99	9.38	7.63
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	7.24	6.55	5.61	1.61	0.16
Non Interest Income, 3 Yr. CAGR %	4.21	4.83	1.8	2.69	-3.12
Provision For Loan Losses, 3 Yr. CAGR %	18.87	6.68	1.58	-6.25	-7.61
Total Revenues, 3 Yr. CAGR %	3.6	6.06	5.74	4.21	1.46
Earnings From Cont. Operations, 3 Yr. CAGR %	3.86	6.09	6.7	7.63	5.32
Net Income, 3 Yr. CAGR %	3.82	5.95	6.91	7.65	5.36
Normalized Net Income, 3 Yr. CAGR %	3.36	5.33	4.98	5.08	2.6
Diluted EPS Before Extra, 3 Yr. CAGR %	0.56	3.42	5.36	6.88	4.9
Dividend Per Share, 3 Yr. CAGR %	1.26	5.95	6.9	7.65	5.36
Gross Loans, 3 Yr. CAGR %	12.18	12.88	13.95	14.24	13.2
Allowance For Loan Losses, 3 Yr. CAGR %	15.19	14.57	13.14	12.62	8.84
Net Loans, 3 Yr. CAGR %	12.06	12.81	13.98	14.3	13.38
Non Performing Loans, 3 Yr. CAGR %	6.91	8.96	13.13	8.25	9.44
Non Performing Assets, 3 Yr. CAGR %	6.53	8.96	13.16	8.31	9.44
Total Assets, 3 Yr. CAGR %	8.92	8.74	10.9	13.59	14.15
Total Deposits, 3 Yr CAGR %	7.77	8.31	10.55	14.27	14.04
Tangible Book Value, 3 Yr. CAGR %	16.72	13.79	11.54	9.82	8.94
Average Interest Earning Assets, 3 Yr. CAGR %	8.63	9.86	11.35	13.01	14.54
Average Interest Bearing Liabilities, 3 Yr. CAGR %	8.23	9.18	10.77	13.79	15.12
Common Equity, 3 Yr. CAGR %	16.42	13.65	11.48	9.75	8.85
Total Equity, 3 Yr. CAGR %	15.65	13.08	11.03	9.43	8.55
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	4.56	7.74	5.95	3.66	3
Non Interest Income, 5 Yr. CAGR %	1.76	5.12	6.06	-0.17	0.35
Provision For Loan Losses, 5 Yr. CAGR %	14.37	13.92	8.18	-0.14	-1.15
Total Revenues, 5 Yr. CAGR %	1.61	5.58	5.46	3.74	3.42
Earnings From Cont. Operations, 5 Yr. CAGR %	3.66	5.62	6.02	5.89	5.83
Net Income, 5 Yr. CAGR %	3.64	5.57	6.07	5.84	5.87
Normalized Net Income, 5 Yr. CAGR %	2.65	5.43	5.1	3.99	3.71
Diluted EPS Before Extra, 5 Yr. CAGR %	1.46	3.39	3.54	4.16	4.92
Dividend Per Share, 5 Yr. CAGR %	2.1	4	4.5	5.83	5.87
Gross Loans, 5 Yr. CAGR %	11.18	12.01	12.97	13.63	13.27
Allowance For Loan Losses, 5 Yr. CAGR %	8.91	12.48	14.13	13	11.44
Net Loans, 5 Yr. CAGR %	11.28	11.99	12.92	13.65	13.35
Non Performing Loans, 5 Yr. CAGR %	2.18	1.26	6.92	9.62	11.47
Non Performing Assets, 5 Yr. CAGR %	2.08	1.17	6.71	9.65	11.48
Total Assets, 5 Yr. CAGR %	8.86	8.24	10.01	12.02	11.69
Total Deposits, 5 Yr CAGR %	7.81	7.46	9.62	11.92	11.34
Tangible Book Value, 5 Yr. CAGR %	13.74	13.74	14.15	12.18	10.1
Average Interest Earning Assets, 5 Yr. CAGR %	8.67	9.02	9.87	11.78	12.75
Average Interest Bearing Liabilities, 5 Yr. CAGR %	8.56	8.92	9.67	11.85	12.67
Common Equity, 5 Yr. CAGR %	13.46	13.52	13.96	12.05	10.01
Total Equity, 5 Yr. CAGR %	12.78	12.87	13.35	11.58	9.65