Cash flow Banco Comercial AV Villas S.A.

Equities

VILLAS

COB52PA00157

Banks

End-of-day quote Bolsa De Valores De Colombia Other stock markets 14/01/2026			5-day change	1st Jan Change
1,900.00 ^COP	0.00%		0.00%	-

17/25/17	Banco Comercial AV Villas S.A. Announces Issuance of Bonds	CI
13/25/13	Banco Comercial AV Villas S.A. Reports Earnings Results for the First Quarter Ended March 31, 2025	CI

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Published financial data: BANCO COMERCIAL AV VILLAS S.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	1,29400Cr	1,21800Cr	1,53600Cr	1,97900Cr	1,86900Cr
Interest Income On Investments	6.34TCr	9.24TCr	14TCr	18TCr	14TCr
Interest Income, Total	1,35800Cr	1,31100Cr	1,67200Cr	2,16100Cr	2,00900Cr
Interest On Deposits	32TCr	20TCr	62TCr	1,14400Cr	1,01500Cr
Total Interest On Borrowings	2.88TCr	4.2TCr	15TCr	33TCr	19TCr
Interest Expense, Total	35TCr	24TCr	76TCr	1,47600Cr	1,20300Cr
Net Interest Income	1,00500Cr	1,07300Cr	91TCr	68TCr	81TCr
Credit Card Fee	8.47TCr	9.64TCr	11TCr	11TCr	11TCr
Income From Trading Activities	-116.5Cr	-332.6Cr	-331.7Cr	-135.5Cr	-35Cr
Gain (Loss) on Sale of Assets	-6.4Cr	-30L	3.5Cr	5.5Cr	319.3Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	4.28TCr	661.8Cr	955.3Cr	4.54TCr	4.29TCr
Income (Loss) on Equity Invest. (Income Block)	-73Cr	164.9Cr	145Cr	-193.8Cr	1.4Cr
Total Other Non Interest Income	6.06TCr	1.49TCr	5.41TCr	6.83TCr	6.26TCr
Non Interest Income, Total	19TCr	12TCr	17TCr	22TCr	22TCr
Revenues Before Provison For Loan Losses	1,19100Cr	1,18900Cr	1,07900Cr	91TCr	1,02500Cr
Provision For Loan Losses	25TCr	15TCr	16TCr	45TCr	30TCr
Total Revenues	94TCr	1,04000Cr	92TCr	46TCr	73TCr
Salaries And Other Employee Benefits	26TCr	26TCr	28TCr	30TCr	32TCr
Occupancy Expense	6.76TCr	6.65TCr	6.99TCr	7.93TCr	8.44TCr
Selling General & Admin Expenses, Total	36TCr	36TCr	39TCr	42TCr	54TCr
Total Other Non Interest Expense	3.78TCr	4.06TCr	5.4TCr	7.19TCr	1.22TCr
Non Interest Expense, Total	72TCr	73TCr	79TCr	87TCr	96TCr
EBT, Excl. Unusual Items	22TCr	31TCr	13TCr	-41TCr	-23TCr
Asset Writedown	254.2Cr	20Cr	382.9Cr	252.9Cr	255.3Cr
EBT, Incl. Unusual Items	22TCr	31TCr	13TCr	-41TCr	-23TCr
Income Tax Expense	5.87TCr	12TCr	2.76TCr	-17TCr	-9.07TCr
Earnings From Continuing Operations	16TCr	19TCr	10TCr	-24TCr	-13TCr
Net Income to Company	16TCr	19TCr	10TCr	-24TCr	-13TCr
Minority Interest	-63Cr	-43Cr	-37Cr	-60Cr	-29Cr
Net Income - (IS)	16TCr	19TCr	10TCr	-24TCr	-13TCr
Net Income to Common Incl Extra Items	16TCr	19TCr	10TCr	-24TCr	-13TCr
Net Income to Common Excl. Extra Items	16TCr	19TCr	10TCr	-24TCr	-13TCr
Per Share Items
Net EPS - Basic	726.57	853.55	460.14	-1.08T	-599.18
Basic EPS - Continuing Operations	726.57	853.55	460.14	-1.08T	-599.18
Basic Weighted Average Shares Outstanding	22Cr	22Cr	22Cr	22Cr	22Cr
Net EPS - Diluted	726.57	853.55	460.14	-1.08T	-599.18
Diluted EPS - Continuing Operations	726.57	853.55	460.14	-1.08T	-599.18
Diluted Weighted Average Shares Outstanding	22Cr	22Cr	22Cr	22Cr	22Cr
Normalized Basic EPS	609.34	856.86	352.99	-1.14T	-634.23
Normalized Diluted EPS	609.34	856.86	352.99	-1.14T	-634.23
Dividend Per Share	285.36	390	390	87.84	-
Payout Ratio	43.83	29.51	63.17	-7.26	-
Supplemental Items
Effective Tax Rate - (Ratio)	26.38	37.78	20.99	40.74	40.29
Current Domestic Taxes	-	-	-	-	-
Total Current Taxes	7.24TCr	6.12TCr	1.07TCr	-468.7Cr	28Cr
Deferred Domestic Taxes	-	-	-	-	-
Total Deferred Taxes	-1.36TCr	5.55TCr	1.68TCr	-16TCr	-8.8TCr
Normalized Net Income	14TCr	19TCr	7.93TCr	-26TCr	-14TCr
Non-Cash Pension Expense	338Cr	53Cr	209Cr	384.6Cr	551.2Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	888Cr	1.54TCr	1.34TCr	9.14TCr	67TCr
Investment Securities, Total	2,34200Cr	2,94300Cr	2,95300Cr	2,76200Cr	2,23800Cr
Trading Asset Securities, Total	71TCr	25TCr	29TCr	27TCr	21TCr
Total investments	3,05100Cr	3,19200Cr	3,24200Cr	3,03400Cr	2,44700Cr
Gross Loans	12,32600Cr	13,14100Cr	15,00700Cr	14,35600Cr	15,26500Cr
Allowance For Loan Losses	-49TCr	-54TCr	-58TCr	-64TCr	-71TCr
Net Loans	11,83900Cr	12,60400Cr	14,43000Cr	13,71300Cr	14,55900Cr
Gross Property Plant And Equipment	68TCr	75TCr	80TCr	77TCr	82TCr
Accumulated Depreciation	-24TCr	-26TCr	-29TCr	-31TCr	-36TCr
Net Property Plant And Equipment	44TCr	50TCr	51TCr	47TCr	46TCr
Other Intangibles, Total	9.59TCr	11TCr	12TCr	16TCr	19TCr
Investment in Real Estate	4.56TCr	4.4TCr	3.11TCr	3.74TCr	3.66TCr
Accrued Interest Receivable	120.9Cr	155.1Cr	875.1Cr	1.31TCr	254Cr
Other Receivables	13TCr	10TCr	26TCr	43TCr	54TCr
Restricted Cash	88TCr	88TCr	86TCr	78TCr	-
Other Current Assets, Total	9.57TCr	12TCr	16TCr	17TCr	18TCr
Deferred Tax Assets Long-Term (Collected)	13Cr	21Cr	44Cr	1.85TCr	6.83TCr
Other Real Estate Owned And Foreclosed	3.6Cr	31Cr	3.6Cr	3.6Cr	-
Other Long-Term Assets, Total	99Cr	-	140.1Cr	166.6Cr	121.8Cr
Total Assets	16,58900Cr	17,56300Cr	19,64800Cr	18,91300Cr	19,16800Cr
Liabilities
Accounts Payable, Total	276.6Cr	408Cr	536.6Cr	1.48TCr	-
Accrued Expenses, Total	6.74TCr	8.4TCr	7.4TCr	9.22TCr	9.53TCr
Interest Bearing Deposits	13,96700Cr	13,40900Cr	14,84500Cr	14,86500Cr	16,03200Cr
Total Deposits	13,96700Cr	13,40900Cr	14,84500Cr	14,86500Cr	16,03200Cr
Short-Term Borrowings	6.46TCr	56TCr	38TCr	64TCr	43TCr
Current Portion of Long-Term Debt	631.8Cr	549.6Cr	39TCr	2.09TCr	510.8Cr
Current Portion of Leases	-	-	-	-	425.3Cr
Long-Term Debt	1.05TCr	51TCr	39TCr	46TCr	39TCr
Long-Term Leases	15TCr	21TCr	25TCr	25TCr	23TCr
Current Income Taxes Payable	-	-	289.6Cr	353.5Cr	-
Other Current Liabilities - (Bank / Utility Template)	20TCr	64TCr	1,29100Cr	67TCr	16TCr
Pension & Other Post Retirement Benefits	203.2Cr	192.3Cr	141.8Cr	167.6Cr	269.1Cr
Deferred Tax Liability Non-Current	12TCr	10TCr	6.52TCr	-	-
Other Non Current Liabilities	13TCr	13TCr	11TCr	16TCr	12TCr
Total Liabilities	14,71300Cr	15,65200Cr	17,80100Cr	17,17100Cr	17,47800Cr
Common Stock, Total	2.25TCr	2.25TCr	2.25TCr	2.25TCr	2.25TCr
Additional Paid In Capital	23TCr	23TCr	23TCr	23TCr	23TCr
Retained Earnings	1,39200Cr	1,52100Cr	1,56800Cr	1,34800Cr	1,21600Cr
Comprehensive Income and Other	23TCr	13TCr	2.02TCr	13TCr	21TCr
Total Common Equity	1,87000Cr	1,90400Cr	1,83900Cr	1,73400Cr	1,68100Cr
Minority Interest	693.5Cr	736.3Cr	773.1Cr	833.6Cr	862.6Cr
Total Equity	1,87600Cr	1,91200Cr	1,84700Cr	1,74200Cr	1,69000Cr
Total Liabilities And Equity	16,58900Cr	17,56300Cr	19,64800Cr	18,91300Cr	19,16800Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	22Cr	22Cr	22Cr	22Cr	22Cr
ECS Total Common Shares Outstanding	22Cr	22Cr	22Cr	22Cr	22Cr
Book Value / Share	8.32T	8.47T	8.18T	7.71T	7.48T
Tangible Book Value	1,77400Cr	1,79300Cr	1,71500Cr	1,57400Cr	1,48600Cr
Tangible Book Value Per Share	7.89T	7.98T	7.63T	7T	6.61T
Total Debt	23TCr	1,28600Cr	1,40900Cr	1,36800Cr	1,06500Cr
Deposits at Interest - Cash	42TCr	32TCr	26TCr	30TCr	9.14TCr
Net Debt	-48TCr	1,02100Cr	1,05900Cr	1,00500Cr	19TCr
Equity Method Investments, Total	372.9Cr	625.2Cr	770.4Cr	576.7Cr	578.1Cr
Full Time Employees	4.36T	4.2T	4.14T	3.88T	3.86T
Number Of Offices	283	277	260	233	214
Assets on Operating Lease - Gross	-	55Cr	2.54TCr	3.21TCr	3.2TCr
Assets on Operating Lease - Accumulated Depreciation	-	-	-66Cr	-297.5Cr	-533.1Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	16TCr	19TCr	10TCr	-24TCr	-13TCr
Depreciation, Depletion & Amortization	5.2TCr	5.05TCr	5.21TCr	6.17TCr	6.58TCr
Amortization of Goodwill and Intangible Assets - (CF)	1.56TCr	-	-	-	-
Total Depreciation, Depletion & Amortization	6.76TCr	5.05TCr	5.21TCr	6.17TCr	6.58TCr
Amortization of Deferred Charges, Total	-	1.6TCr	1.78TCr	1.76TCr	1.86TCr
Minority Interest in Earnings - (CF)	-	-	-	-	-
(Gain) Loss On Sale of Asset - (CF)	104.7Cr	-82Cr	-1.55TCr	-1.02TCr	-249.8Cr
(Gain) Loss on Sale of Investments - (CF)	158.9Cr	332.6Cr	331.7Cr	135.5Cr	35Cr
Total Asset Writedown	-273.7Cr	-20Cr	-408.7Cr	-252.9Cr	-261.9Cr
Provision for Credit Losses	30TCr	21TCr	23TCr	50TCr	36TCr
(Income) Loss On Equity Investments - (CF)	73Cr	-164.9Cr	-145Cr	193.8Cr	-1.4Cr
Change in Trading Asset Securities	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-2,05500Cr	45TCr	-1,17300Cr	-21TCr	-1,86300Cr
Other Operating Activities	-18TCr	-6.51TCr	-18TCr	-48TCr	-38TCr
Cash from Operations	-1,69800Cr	85TCr	-97TCr	-36TCr	-1,93700Cr
Capital Expenditure	-3.28TCr	-1.48TCr	-3.85TCr	-1.59TCr	-4.29TCr
Sale of Property, Plant, and Equipment	-	331.4Cr	833.1Cr	194Cr	871.2Cr
Purchase / Sale of Intangible Assets	-3.81TCr	-3.11TCr	-3.13TCr	-5.27TCr	-5.39TCr
Sale (Purchase) of Real Estate Properties (Collected)	111Cr	165.4Cr	715Cr	206.9Cr	505.9Cr
Investment in Marketable and Equity Securities, Total	-7.81TCr	-66TCr	3.3TCr	54TCr	80TCr
Other Investing Activities, Total	558.9Cr	400.4Cr	-1.76TCr	20Cr	804.3Cr
Cash from Investing	-14TCr	-70TCr	-3.89TCr	48TCr	72TCr
Long-Term Debt Issued, Total	30TCr	34TCr	34TCr	10TCr	35TCr
Total Debt Issued	30TCr	34TCr	34TCr	10TCr	35TCr
Long-Term Debt Repaid, Total	-41TCr	-38TCr	-51TCr	-13TCr	-29TCr
Total Debt Repaid	-41TCr	-38TCr	-51TCr	-13TCr	-29TCr
Common Dividends Paid	-7.16TCr	-5.66TCr	-6.53TCr	-1.76TCr	-
Common & Preferred Stock Dividends Paid	-7.16TCr	-5.66TCr	-6.53TCr	-1.76TCr	-
Net Increase (Decrease) in Deposit Accounts - (CF)	2,12400Cr	-54TCr	1,38400Cr	-2.57TCr	1,16500Cr
Other Financing Activities, Total	-1.77TCr	49TCr	-16TCr	-5.62TCr	-22TCr
Cash from Financing	1,92200Cr	-15TCr	99TCr	-13TCr	1,00900Cr
Foreign Exchange Rate Adjustments	-132Cr	-	-	389.1Cr	428.4Cr
Net Change in Cash	7.97TCr	258.6Cr	-1.53TCr	-681.3Cr	-20TCr
Supplemental Items
Cash Interest Paid	36TCr	25TCr	71TCr	1,44300Cr	1,18900Cr
Cash Income Tax Paid (Refund)	8.61TCr	8.71TCr	10TCr	13TCr	13TCr
Net Debt Issued / Repaid	-11TCr	-3.46TCr	-17TCr	-3.04TCr	6.16TCr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	1.03	1.13	0.56	-1.25	-0.71
Return On Equity %	8.93	10.15	5.52	-13.43	-7.83
Return on Common Equity	8.93	10.17	5.52	-13.52	-7.89
Shareholders Value Added	-4.06TCr	-3.46TCr	-12TCr	-46TCr	-34TCr
Margin Analysis
SG&A Margin	69.68	63.16	76.4	166.44	124.98
Net Interest Income / Total Revenues %	107.12	103.17	98.46	149.54	110.73
EBT Excl. Non-Recurring Items Margin %	23.46	29.7	13.84	-89.42	-31.26
Income From Continuing Operations Margin %	17.47	18.49	11.26	-52.67	-18.45
Net Income Margin %	17.4	18.45	11.22	-52.8	-18.49
Net Avail. For Common Margin %	17.4	18.45	11.22	-52.8	-18.49
Normalized Net Income Margin	14.6	18.52	8.61	-56.02	-19.57
Asset quality
Nonperforming Loans / Total Loans %	4.46	4.72	4.27	5	4.1
Nonperforming Loans / Total Assets %	3.31	3.53	3.26	3.79	3.26
Nonperforming Assets / Total Assets %	3.31	3.54	3.26	3.79	3.26
NPAs / Loans and OREO	4.46	4.72	4.27	5	4.1
NPAs / Equity	29.28	32.48	34.69	41.18	37
Allowance for Credit Losses / Net Charge-offs %	182.98	491.53	450.88	163.61	279.73
Allowance for Credit Losses / Nonperforming Loans %	88.67	86.56	90.1	89.62	112.86
Allowance for Credit Losses / Total Loans %	3.95	4.09	3.85	4.48	4.62
Provision for Loan Losses / Net Charge-offs %	94.98	136.48	123.28	114.25	117.6
Capital And Funding
Total Average Common Equity / Total Average Assets %	11.51	11.05	10.06	9.27	8.97
Total Average Equity / Total Average Assets %	11.55	11.09	10.1	9.31	9.01
Total Equity + Allowance for Loan Losses / Total Loans %	19.12	18.58	16.1	16.55	15.64
Gross Loans / Total Deposits %	88.25	98	101.09	96.58	95.21
Net Loans / Total Deposits %	84.76	94	97.21	92.25	90.81
Tier 1 Capital Ratio %	-	14.51	12.48	-	10.56
Total Capital Ratio %	11.99	14.51	12.48	-	12.09
Core Tier 1 Capital Ratio	-	14.51	12.48	-	10.56
Coverage Ratio	141.62	114.98	119.31	119.13	112.86
Interbank Ratio	11.97	1.56	3.2	0.84	6.61
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	8.72	8.36	1.9	-0.22	-0.2
EBT + Interest Expense / Interest Expense	1.63	2.3	1.17	0.72	0.81
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-4.03	6.73	-15.43	-24.57	17.83
Non Interest Income, 1 Yr. Growth %	-14.16	-37.45	48.02	29.18	-1.63
Provision For Loan Losses, 1 Yr. Growth %	13.86	-41.01	5.81	184.43	-33.91
Total Revenues, 1 Yr. Growth %	-9.96	10.85	-11.38	-50.33	59.13
Earnings From Cont. Operations, 1 Yr. Growth %	-30.73	17.29	-46.02	-332.24	-44.25
Net Income, 1 Yr. Growth %	-30.81	17.48	-46.09	-333.65	-44.27
Normalized Net Income, 1 Yr. Growth %	-35.71	40.62	-58.8	-423.16	-44.4
Diluted EPS Before Extra, 1 Yr. Growth %	-30.81	17.48	-46.09	-333.65	-44.27
Dividend Per Share, 1 Yr. Growth %	-29.54	36.67	0	-77.48	-
Gross Loans, 1 Yr. Growth %	1.32	6.61	14.42	-4.34	6.35
Allowance For Loan Losses, 1 Yr. Growth %	-1.37	10.28	7.45	11.37	9.78
Net Loans, 1 Yr. Growth %	1.43	6.46	14.71	-4.97	6.19
Non Performing Loans, 1 Yr. Growth %	9.58	12.97	3.24	11.96	15.88
Non Performing Assets, 1 Yr. Growth %	9.55	13.02	3.19	11.96	15.88
Total Assets, 1 Yr. Growth %	9.08	5.87	11.87	-3.74	1.34
Total Deposits, 1 Yr Growth %	17.85	-3.99	10.71	0.13	7.86
Tangible Book Value, 1 Yr. Growth %	3.43	1.11	-4.38	-8.21	-5.57
Common Equity, 1 Yr. Growth %	4.51	1.86	-3.42	-5.75	-3.02
Total Equity, 1 Yr. Growth %	4.53	1.88	-3.39	-5.69	-2.99
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-0.63	1.2	-4.99	-20.13	-5.72
Non Interest Income, 2 Yr. CAGR %	-9.29	-26.78	-3.78	38.28	12.72
Provision For Loan Losses, 2 Yr. CAGR %	0.94	-18.04	-21	73.48	37.11
Total Revenues, 2 Yr. CAGR %	-2.93	-0.11	-0.89	-33.66	-11.1
Earnings From Cont. Operations, 2 Yr. CAGR %	-12.98	-9.86	-20.43	11.96	13.79
Net Income, 2 Yr. CAGR %	-13.01	-9.84	-20.42	12.23	14.11
Normalized Net Income, 2 Yr. CAGR %	-16.48	-4.92	-23.89	15.38	34.04
Diluted EPS Before Extra, 2 Yr. CAGR %	-13.01	-9.84	-20.42	12.23	14.11
Dividend Per Share, 2 Yr. CAGR %	-13.8	-1.87	16.91	-52.54	-
Gross Loans, 2 Yr. CAGR %	3.23	3.93	10.34	4.62	0.86
Allowance For Loan Losses, 2 Yr. CAGR %	-4.99	4.29	8.86	9.39	10.57
Net Loans, 2 Yr. CAGR %	3.61	3.92	10.4	4.41	0.45
Non Performing Loans, 2 Yr. CAGR %	-2.85	11.26	7.99	7.51	-1.2
Non Performing Assets, 2 Yr. CAGR %	-2.85	11.27	7.99	7.49	-1.21
Total Assets, 2 Yr. CAGR %	8.06	7.47	8.83	3.77	-1.23
Total Deposits, 2 Yr CAGR %	10.56	6.37	3.09	5.29	3.92
Tangible Book Value, 2 Yr. CAGR %	6.91	2.26	-1.67	-6.31	-6.9
Common Equity, 2 Yr. CAGR %	7.61	3.18	-0.81	-4.59	-4.39
Total Equity, 2 Yr. CAGR %	7.62	3.2	-0.79	-4.54	-4.35
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	5.65	1.77	-4.67	-12.03	-9.08
Non Interest Income, 3 Yr. CAGR %	-14.09	-19.9	-7.42	6.15	23.44
Provision For Loan Losses, 3 Yr. CAGR %	-6.15	-15.61	-10.76	21.09	25.76
Total Revenues, 3 Yr. CAGR %	3.77	1.45	-4.02	-21.28	-11.19
Earnings From Cont. Operations, 3 Yr. CAGR %	1.77	-3.88	-24.02	13.71	-11.26
Net Income, 3 Yr. CAGR %	1.73	-3.84	-24.05	13.95	-11.13
Normalized Net Income, 3 Yr. CAGR %	-0.82	-0.64	-28.05	23.25	-9.54
Diluted EPS Before Extra, 3 Yr. CAGR %	1.73	-3.84	-24.05	13.95	-11.13
Dividend Per Share, 3 Yr. CAGR %	-4.14	0.52	-1.25	-32.48	-
Gross Loans, 3 Yr. CAGR %	5.61	4.34	7.25	5.21	5.19
Allowance For Loan Losses, 3 Yr. CAGR %	0.79	-0.15	5.33	9.69	9.52
Net Loans, 3 Yr. CAGR %	5.83	4.55	7.33	5.02	4.99
Non Performing Loans, 3 Yr. CAGR %	5.95	2.16	8.52	9.3	0.25
Non Performing Assets, 3 Yr. CAGR %	5.94	2.18	8.51	9.3	0.24
Total Assets, 3 Yr. CAGR %	10.33	7.32	8.92	4.47	2.96
Total Deposits, 3 Yr CAGR %	11.46	5.48	7.8	2.1	6.14
Tangible Book Value, 3 Yr. CAGR %	7.08	4.94	-0	-3.9	-6.07
Common Equity, 3 Yr. CAGR %	7.84	5.66	0.93	-2.49	-4.07
Total Equity, 3 Yr. CAGR %	7.85	5.67	0.95	-2.45	-4.03
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	10.06	10.22	1.26	-7.63	-5.1
Non Interest Income, 5 Yr. CAGR %	-3.86	-22.43	-10.13	-0.35	0.17
Provision For Loan Losses, 5 Yr. CAGR %	11.19	-6.07	-12.4	12.58	5.97
Total Revenues, 5 Yr. CAGR %	6.03	3.65	1.87	-14.4	-6.92
Earnings From Cont. Operations, 5 Yr. CAGR %	4.08	-2.49	-7.77	2.17	-10.7
Net Income, 5 Yr. CAGR %	3.99	-2.55	-7.79	2.29	-10.62
Normalized Net Income, 5 Yr. CAGR %	0.68	-1.6	-10.79	5.48	-7.72
Diluted EPS Before Extra, 5 Yr. CAGR %	3.99	-2.55	-7.79	2.29	-10.62
Dividend Per Share, 5 Yr. CAGR %	-7.22	-9.58	3.78	-25.55	-
Gross Loans, 5 Yr. CAGR %	6.85	6.91	7.48	4.41	4.64
Allowance For Loan Losses, 5 Yr. CAGR %	4.42	4.66	3.94	3.56	7.4
Net Loans, 5 Yr. CAGR %	6.96	7.01	7.63	4.45	4.52
Non Performing Loans, 5 Yr. CAGR %	11.62	10.3	6.76	4.27	4.52
Non Performing Assets, 5 Yr. CAGR %	11.59	10.27	6.76	4.27	4.51
Total Assets, 5 Yr. CAGR %	7.25	7.06	9.73	5.89	4.74
Total Deposits, 5 Yr CAGR %	9.29	6.68	8.04	5.4	6.23
Tangible Book Value, 5 Yr. CAGR %	7	5.38	3.49	0.28	-2.82
Common Equity, 5 Yr. CAGR %	7.78	6.06	4.29	1.43	-1.23
Total Equity, 5 Yr. CAGR %	7.78	6.08	4.31	1.46	-1.2