Income Statement Banco Comercial AV Villas S.A.

Stocks

VILLAS

COB52PA00157

Banks

End-of-day quote Bolsa De Valores De Colombia Other stock markets 10/07/2026			5-day change	1st Jan Change
2,400.00 ^COP	0.00%		0.00%	+26.32%

13/05	Banco Comercial AV Villas S.A. Reports Earnings Results for the First Quarter Ended March 31, 2026	CI
25/03	Banco Comercial AV Villas S.A. Reports Earnings Results for the Full Year Ended December 31, 2025	CI

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

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	1,21800Cr	1,53600Cr	1,97900Cr	1,86900Cr	1,95200Cr
Interest Income On Investments	9.24TCr	14TCr	18TCr	14TCr	17TCr
Interest Income, Total	1,31100Cr	1,67200Cr	2,16100Cr	2,00900Cr	2,12100Cr
Interest On Deposits	20TCr	62TCr	1,14400Cr	1,01500Cr	1,00600Cr
Total Interest On Borrowings	4.2TCr	15TCr	33TCr	19TCr	13TCr
Interest Expense, Total	24TCr	76TCr	1,47600Cr	1,20300Cr	1,13600Cr
Net Interest Income	1,07300Cr	91TCr	68TCr	81TCr	98TCr
Credit Card Fee	9.64TCr	11TCr	11TCr	11TCr	12TCr
Income From Trading Activities	-332.6Cr	-331.7Cr	-135.5Cr	-35Cr	191.6Cr
Gain (Loss) on Sale of Assets	-30L	3.5Cr	5.5Cr	319.3Cr	1.58TCr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	661.8Cr	955.3Cr	4.54TCr	4.29TCr	5.7TCr
Income (Loss) on Equity Invest. (Income Block)	164.9Cr	145Cr	-193.8Cr	1.4Cr	-157Cr
Total Other Non Interest Income	1.49TCr	5.41TCr	6.83TCr	6.26TCr	2.42TCr
Non Interest Income, Total	12TCr	17TCr	22TCr	22TCr	21TCr
Revenues Before Provison For Loan Losses	1,18900Cr	1,07900Cr	91TCr	1,02500Cr	1,19800Cr
Provision For Loan Losses	15TCr	16TCr	45TCr	30TCr	33TCr
Total Revenues	1,04000Cr	92TCr	46TCr	73TCr	86TCr
Salaries And Other Employee Benefits	26TCr	28TCr	30TCr	32TCr	34TCr
Occupancy Expense	6.65TCr	6.99TCr	7.93TCr	8.44TCr	8.83TCr
Selling General & Admin Expenses, Total	36TCr	39TCr	42TCr	54TCr	54TCr
Total Other Non Interest Expense	4.06TCr	5.4TCr	7.19TCr	1.22TCr	1.77TCr
Non Interest Expense, Total	73TCr	79TCr	87TCr	96TCr	98TCr
EBT, Excl. Unusual Items	31TCr	13TCr	-41TCr	-23TCr	-12TCr
Asset Writedown	20Cr	382.9Cr	252.9Cr	255.3Cr	202.2Cr
EBT, Incl. Unusual Items	31TCr	13TCr	-41TCr	-23TCr	-12TCr
Income Tax Expense	12TCr	2.76TCr	-17TCr	-9.07TCr	-6.27TCr
Earnings From Continuing Operations	19TCr	10TCr	-24TCr	-13TCr	-5.26TCr
Net Income to Company	19TCr	10TCr	-24TCr	-13TCr	-5.26TCr
Minority Interest	-43Cr	-37Cr	-60Cr	-29Cr	-
Net Income - (IS)	19TCr	10TCr	-24TCr	-13TCr	-5.26TCr
Net Income to Common Incl Extra Items	19TCr	10TCr	-24TCr	-13TCr	-5.26TCr
Net Income to Common Excl. Extra Items	19TCr	10TCr	-24TCr	-13TCr	-5.26TCr
Per Share Items
Net EPS - Basic	853.55	460.14	-1.08T	-599.18	-234.06
Basic EPS - Continuing Operations	853.55	460.14	-1.08T	-599.18	-234.06
Basic Weighted Average Shares Outstanding	22Cr	22Cr	22Cr	22Cr	22Cr
Net EPS - Diluted	853.55	460.14	-1.08T	-599.18	-234.06
Diluted EPS - Continuing Operations	853.55	460.14	-1.08T	-599.18	-234.06
Diluted Weighted Average Shares Outstanding	22Cr	22Cr	22Cr	22Cr	22Cr
Normalized Basic EPS	856.86	352.99	-1.14T	-634.23	-326.4
Normalized Diluted EPS	856.86	352.99	-1.14T	-634.23	-326.4
Dividend Per Share	390	390	87.84	-	-
Payout Ratio	29.51	63.17	-7.26	-	-
Supplemental Items
Effective Tax Rate - (Ratio)	37.78	20.99	40.74	40.29	54.4
Current Domestic Taxes	-	-	-	-	-
Total Current Taxes	6.12TCr	1.07TCr	-468.7Cr	28Cr	-
Deferred Domestic Taxes	-	-	-	-	-
Total Deferred Taxes	5.55TCr	1.68TCr	-16TCr	-8.8TCr	-6.41TCr
Normalized Net Income	19TCr	7.93TCr	-26TCr	-14TCr	-7.34TCr
Non-Cash Pension Expense	53Cr	209Cr	384.6Cr	551.2Cr	350.3Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	1.54TCr	1.34TCr	9.14TCr	67TCr	56TCr
Investment Securities, Total	2,94300Cr	2,95300Cr	2,76200Cr	2,23800Cr	3,05900Cr
Trading Asset Securities, Total	25TCr	29TCr	27TCr	21TCr	206.1Cr
Total investments	3,19200Cr	3,24200Cr	3,03400Cr	2,44700Cr	3,06200Cr
Gross Loans	13,14100Cr	15,00700Cr	14,35600Cr	15,26500Cr	16,85800Cr
Allowance For Loan Losses	-54TCr	-58TCr	-64TCr	-71TCr	-72TCr
Net Loans	12,60400Cr	14,43000Cr	13,71300Cr	14,55900Cr	16,14200Cr
Gross Property Plant And Equipment	75TCr	80TCr	77TCr	82TCr	71TCr
Accumulated Depreciation	-26TCr	-29TCr	-31TCr	-36TCr	-36TCr
Net Property Plant And Equipment	50TCr	51TCr	47TCr	46TCr	36TCr
Other Intangibles, Total	11TCr	12TCr	16TCr	19TCr	24TCr
Investment in Real Estate	4.4TCr	3.11TCr	3.74TCr	3.66TCr	2.49TCr
Accrued Interest Receivable	155.1Cr	875.1Cr	1.31TCr	254Cr	212.8Cr
Other Receivables	10TCr	26TCr	43TCr	54TCr	61TCr
Restricted Cash	88TCr	86TCr	78TCr	-	31TCr
Other Current Assets, Total	12TCr	16TCr	17TCr	18TCr	23TCr
Deferred Tax Assets Long-Term (Collected)	21Cr	44Cr	1.85TCr	6.83TCr	19TCr
Other Real Estate Owned And Foreclosed	31Cr	3.6Cr	3.6Cr	-	-
Other Long-Term Assets, Total	-	140.1Cr	166.6Cr	121.8Cr	301.5Cr
Total Assets	17,56300Cr	19,64800Cr	18,91300Cr	19,16800Cr	21,73700Cr
Liabilities
Accounts Payable, Total	408Cr	536.6Cr	1.48TCr	-	2.46TCr
Accrued Expenses, Total	8.4TCr	7.4TCr	9.22TCr	9.53TCr	6.11TCr
Interest Bearing Deposits	13,40900Cr	14,84500Cr	14,86500Cr	16,03200Cr	18,83400Cr
Total Deposits	13,40900Cr	14,84500Cr	14,86500Cr	16,03200Cr	18,83400Cr
Short-Term Borrowings	56TCr	38TCr	64TCr	43TCr	9TCr
Current Portion of Long-Term Debt	549.6Cr	39TCr	2.09TCr	510.8Cr	29TCr
Current Portion of Leases	-	-	-	425.3Cr	7.2Cr
Long-Term Debt	51TCr	39TCr	46TCr	39TCr	32TCr
Long-Term Leases	21TCr	25TCr	25TCr	23TCr	25TCr
Current Income Taxes Payable	-	289.6Cr	353.5Cr	-	-
Other Current Liabilities - (Bank / Utility Template)	64TCr	1,29100Cr	67TCr	16TCr	14TCr
Pension & Other Post Retirement Benefits	192.3Cr	141.8Cr	167.6Cr	269.1Cr	5.08TCr
Deferred Tax Liability Non-Current	10TCr	6.52TCr	-	-	-
Other Non Current Liabilities	13TCr	11TCr	16TCr	12TCr	15TCr
Total Liabilities	15,65200Cr	17,80100Cr	17,17100Cr	17,47800Cr	20,21700Cr
Common Stock, Total	2.25TCr	2.25TCr	2.25TCr	2.25TCr	2.25TCr
Additional Paid In Capital	23TCr	23TCr	23TCr	23TCr	23TCr
Retained Earnings	1,52100Cr	1,56800Cr	1,34800Cr	1,21600Cr	1,19500Cr
Comprehensive Income and Other	13TCr	2.02TCr	13TCr	21TCr	7.47TCr
Total Common Equity	1,90400Cr	1,83900Cr	1,73400Cr	1,68100Cr	1,52100Cr
Minority Interest	736.3Cr	773.1Cr	833.6Cr	862.6Cr	-
Total Equity	1,91200Cr	1,84700Cr	1,74200Cr	1,69000Cr	1,52100Cr
Total Liabilities And Equity	17,56300Cr	19,64800Cr	18,91300Cr	19,16800Cr	21,73700Cr
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	8.47T	8.18T	7.71T	7.48T	6.77T
Tangible Book Value	1,79300Cr	1,71500Cr	1,57400Cr	1,48600Cr	1,27900Cr
Tangible Book Value Per Share	7.98T	7.63T	7T	6.61T	5.69T
Total Debt	1,28600Cr	1,40900Cr	1,36800Cr	1,06500Cr	95TCr
Deposits at Interest - Cash	32TCr	26TCr	30TCr	9.14TCr	31TCr
Net Debt	1,02100Cr	1,05900Cr	1,00500Cr	19TCr	39TCr
Equity Method Investments, Total	625.2Cr	770.4Cr	576.7Cr	578.1Cr	1.02TCr
Full Time Employees	4.2T	4.14T	3.88T	3.86T	3.65T
Number Of Offices	277	260	233	214	195
Assets on Operating Lease - Gross	55Cr	2.54TCr	3.21TCr	3.2TCr	2.88TCr
Assets on Operating Lease - Accumulated Depreciation	-	-66Cr	-297.5Cr	-533.1Cr	-682.5Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	19TCr	10TCr	-24TCr	-13TCr	-5.26TCr
Depreciation, Depletion & Amortization	5.05TCr	5.21TCr	6.17TCr	6.58TCr	6.74TCr
Amortization of Goodwill and Intangible Assets - (CF)	-	-	-	-	10L
Total Depreciation, Depletion & Amortization	5.05TCr	5.21TCr	6.17TCr	6.58TCr	6.74TCr
Amortization of Deferred Charges, Total	1.6TCr	1.78TCr	1.76TCr	1.86TCr	2.09TCr
Minority Interest in Earnings - (CF)	-	-	-	-	-
(Gain) Loss On Sale of Asset - (CF)	-82Cr	-1.55TCr	-1.02TCr	-249.8Cr	-1.38TCr
(Gain) Loss on Sale of Investments - (CF)	332.6Cr	331.7Cr	135.5Cr	35Cr	-192Cr
Total Asset Writedown	-20Cr	-408.7Cr	-252.9Cr	-261.9Cr	-110Cr
Provision for Credit Losses	21TCr	23TCr	50TCr	36TCr	39TCr
(Income) Loss On Equity Investments - (CF)	-164.9Cr	-145Cr	193.8Cr	-1.4Cr	157Cr
Change in Trading Asset Securities	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	45TCr	-1,17300Cr	-21TCr	-1,86300Cr	-2,58400Cr
Other Operating Activities	-6.51TCr	-18TCr	-48TCr	-38TCr	-36TCr
Cash from Operations	85TCr	-97TCr	-36TCr	-1,93700Cr	-2,53900Cr
Capital Expenditure	-1.48TCr	-3.85TCr	-1.59TCr	-4.29TCr	-1.46TCr
Sale of Property, Plant, and Equipment	331.4Cr	833.1Cr	194Cr	871.2Cr	12TCr
Purchase / Sale of Intangible Assets	-3.11TCr	-3.13TCr	-5.27TCr	-5.39TCr	-6.29TCr
Sale (Purchase) of Real Estate Properties (Collected)	165.4Cr	715Cr	206.9Cr	505.9Cr	435.9Cr
Investment in Marketable and Equity Securities, Total	-66TCr	3.3TCr	54TCr	80TCr	-8.75TCr
Other Investing Activities, Total	400.4Cr	-1.76TCr	20Cr	804.3Cr	902.7Cr
Cash from Investing	-70TCr	-3.89TCr	48TCr	72TCr	-3.33TCr
Long-Term Debt Issued, Total	34TCr	34TCr	10TCr	35TCr	28TCr
Total Debt Issued	34TCr	34TCr	10TCr	35TCr	28TCr
Long-Term Debt Repaid, Total	-38TCr	-51TCr	-13TCr	-29TCr	-28TCr
Total Debt Repaid	-38TCr	-51TCr	-13TCr	-29TCr	-28TCr
Common Dividends Paid	-5.66TCr	-6.53TCr	-1.76TCr	-	-
Common & Preferred Stock Dividends Paid	-5.66TCr	-6.53TCr	-1.76TCr	-	-
Net Increase (Decrease) in Deposit Accounts - (CF)	-54TCr	1,38400Cr	-2.57TCr	1,16500Cr	2,79300Cr
Other Financing Activities, Total	49TCr	-16TCr	-5.62TCr	-22TCr	-432.1Cr
Cash from Financing	-15TCr	99TCr	-13TCr	1,00900Cr	2,78300Cr
Foreign Exchange Rate Adjustments	-	-	389.1Cr	428.4Cr	397.9Cr
Net Change in Cash	258.6Cr	-1.53TCr	-681.3Cr	-20TCr	21TCr
Supplemental Items
Cash Interest Paid	25TCr	71TCr	1,44300Cr	1,18900Cr	1,12300Cr
Cash Income Tax Paid (Refund)	8.71TCr	10TCr	13TCr	13TCr	13TCr
Net Debt Issued / Repaid	-3.46TCr	-17TCr	-3.04TCr	6.16TCr	-550.7Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.13	0.56	-1.25	-0.71	-0.26
Return On Equity %	10.15	5.52	-13.43	-7.83	-3.4
Return on Common Equity	10.17	5.52	-13.52	-7.89	-3.4
Shareholders Value Added	-3.46TCr	-12TCr	-46TCr	-34TCr	-24TCr
Margin Analysis
SG&A Margin	63.16	76.4	166.44	124.98	107.07
Net Interest Income / Total Revenues %	103.17	98.46	149.54	110.73	113.8
EBT Excl. Non-Recurring Items Margin %	29.7	13.84	-89.42	-31.26	-13.57
Income From Continuing Operations Margin %	18.49	11.26	-52.67	-18.45	-6.08
Net Income Margin %	18.45	11.22	-52.8	-18.49	-6.08
Net Avail. For Common Margin %	18.45	11.22	-52.8	-18.49	-6.08
Normalized Net Income Margin	18.52	8.61	-56.02	-19.57	-8.48
Asset quality
Nonperforming Loans / Total Loans %	4.72	4.27	5	4.1	1.84
Nonperforming Loans / Total Assets %	3.53	3.26	3.79	3.26	1.42
Nonperforming Assets / Total Assets %	3.54	3.26	3.79	3.26	1.42
NPAs / Loans and OREO	4.72	4.27	5	4.1	1.84
NPAs / Equity	32.48	34.69	41.18	37	20.35
Allowance for Credit Losses / Net Charge-offs %	491.53	450.88	163.61	279.73	-
Allowance for Credit Losses / Nonperforming Loans %	86.56	90.1	89.62	112.86	231.09
Allowance for Credit Losses / Total Loans %	4.09	3.85	4.48	4.62	4.24
Provision for Loan Losses / Net Charge-offs %	136.48	123.28	114.25	117.6	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	11.05	10.06	9.27	8.97	7.58
Total Average Equity / Total Average Assets %	11.09	10.1	9.31	9.01	7.58
Total Equity + Allowance for Loan Losses / Total Loans %	18.58	16.1	16.55	15.64	13.26
Gross Loans / Total Deposits %	98	101.09	96.58	95.21	89.51
Net Loans / Total Deposits %	94	97.21	92.25	90.81	85.71
Tier 1 Capital Ratio %	14.51	12.48	-	10.56	9.59
Total Capital Ratio %	14.51	12.48	-	12.09	11.43
Core Tier 1 Capital Ratio	14.51	12.48	-	10.56	9.59
Coverage Ratio	114.98	119.31	119.13	112.86	231.09
Interbank Ratio	1.56	3.2	0.84	6.61	15.2
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	8.36	1.9	-0.22	-0.2	0.11
EBT + Interest Expense / Interest Expense	2.3	1.17	0.72	0.81	0.9
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	6.73	-15.43	-24.57	17.83	23.64
Non Interest Income, 1 Yr. Growth %	-37.45	48.02	29.18	-1.63	1.56
Provision For Loan Losses, 1 Yr. Growth %	-41.01	5.81	184.43	-33.91	38.27
Total Revenues, 1 Yr. Growth %	10.85	-11.38	-50.33	59.13	12.97
Earnings From Cont. Operations, 1 Yr. Growth %	17.29	-46.02	-332.24	-44.25	-54.76
Net Income, 1 Yr. Growth %	17.48	-46.09	-333.65	-44.27	-54.76
Normalized Net Income, 1 Yr. Growth %	40.62	-58.8	-423.16	-44.4	-43.36
Diluted EPS Before Extra, 1 Yr. Growth %	17.48	-46.09	-333.65	-44.27	-54.76
Dividend Per Share, 1 Yr. Growth %	36.67	0	-77.48	-	-
Gross Loans, 1 Yr. Growth %	6.61	14.42	-4.34	6.35	12.49
Allowance For Loan Losses, 1 Yr. Growth %	10.28	7.45	11.37	9.78	20.32
Net Loans, 1 Yr. Growth %	6.46	14.71	-4.97	6.19	12.17
Non Performing Loans, 1 Yr. Growth %	12.97	3.24	11.96	15.88	-3.15
Non Performing Assets, 1 Yr. Growth %	13.02	3.19	11.96	15.88	-3.15
Total Assets, 1 Yr. Growth %	5.87	11.87	-3.74	1.34	14.13
Total Deposits, 1 Yr Growth %	-3.99	10.71	0.13	7.86	17.47
Tangible Book Value, 1 Yr. Growth %	1.11	-4.38	-8.21	-5.57	-6.98
Common Equity, 1 Yr. Growth %	1.86	-3.42	-5.75	-3.02	-3.13
Total Equity, 1 Yr. Growth %	1.88	-3.39	-5.69	-2.99	-3.13
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	1.2	-4.99	-20.13	-5.72	19.94
Non Interest Income, 2 Yr. CAGR %	-26.78	-3.78	38.28	12.72	-1.91
Provision For Loan Losses, 2 Yr. CAGR %	-18.04	-21	73.48	37.11	-13.85
Total Revenues, 2 Yr. CAGR %	-0.11	-0.89	-33.66	-11.1	37.49
Earnings From Cont. Operations, 2 Yr. CAGR %	-9.86	-20.43	11.96	13.79	-53.28
Net Income, 2 Yr. CAGR %	-9.84	-20.42	12.23	14.11	-53.34
Normalized Net Income, 2 Yr. CAGR %	-4.92	-23.89	15.38	34.04	-46.51
Diluted EPS Before Extra, 2 Yr. CAGR %	-9.84	-20.42	12.23	14.11	-53.34
Dividend Per Share, 2 Yr. CAGR %	-1.87	16.91	-52.54	-	-
Gross Loans, 2 Yr. CAGR %	3.93	10.34	4.62	0.86	8.38
Allowance For Loan Losses, 2 Yr. CAGR %	4.29	8.86	9.39	10.57	5.48
Net Loans, 2 Yr. CAGR %	3.92	10.4	4.41	0.45	8.51
Non Performing Loans, 2 Yr. CAGR %	11.26	7.99	7.51	-1.2	-24.27
Non Performing Assets, 2 Yr. CAGR %	11.27	7.99	7.49	-1.21	-24.27
Total Assets, 2 Yr. CAGR %	7.47	8.83	3.77	-1.23	7.21
Total Deposits, 2 Yr CAGR %	6.37	3.09	5.29	3.92	12.56
Tangible Book Value, 2 Yr. CAGR %	2.26	-1.67	-6.31	-6.9	-9.86
Common Equity, 2 Yr. CAGR %	3.18	-0.81	-4.59	-4.39	-6.34
Total Equity, 2 Yr. CAGR %	3.2	-0.79	-4.54	-4.35	-6.57
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	1.77	-4.67	-12.03	-9.08	2.76
Non Interest Income, 3 Yr. CAGR %	-19.9	-7.42	6.15	23.44	7.52
Provision For Loan Losses, 3 Yr. CAGR %	-15.61	-10.76	21.09	25.76	28.28
Total Revenues, 3 Yr. CAGR %	1.45	-4.02	-21.28	-11.19	-2.08
Earnings From Cont. Operations, 3 Yr. CAGR %	-3.88	-24.02	13.71	-11.26	-20.27
Net Income, 3 Yr. CAGR %	-3.84	-24.05	13.95	-11.13	-20.17
Normalized Net Income, 3 Yr. CAGR %	-0.64	-28.05	23.25	-9.54	-2.58
Diluted EPS Before Extra, 3 Yr. CAGR %	-3.84	-24.05	13.95	-11.13	-20.17
Dividend Per Share, 3 Yr. CAGR %	0.52	-1.25	-32.48	-	-
Gross Loans, 3 Yr. CAGR %	4.34	7.25	5.21	5.19	3.95
Allowance For Loan Losses, 3 Yr. CAGR %	-0.15	5.33	9.69	9.52	7.41
Net Loans, 3 Yr. CAGR %	4.55	7.33	5.02	4.99	3.81
Non Performing Loans, 3 Yr. CAGR %	2.16	8.52	9.3	0.25	-21.53
Non Performing Assets, 3 Yr. CAGR %	2.18	8.51	9.3	0.24	-21.54
Total Assets, 3 Yr. CAGR %	7.32	8.92	4.47	2.96	3.43
Total Deposits, 3 Yr CAGR %	5.48	7.8	2.1	6.14	8.26
Tangible Book Value, 3 Yr. CAGR %	4.94	-0	-3.9	-6.07	-9.32
Common Equity, 3 Yr. CAGR %	5.66	0.93	-2.49	-4.07	-6.14
Total Equity, 3 Yr. CAGR %	5.67	0.95	-2.45	-4.03	-6.28
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	10.22	1.26	-7.63	-5.1	-0.41
Non Interest Income, 5 Yr. CAGR %	-22.43	-10.13	-0.35	0.17	2.85
Provision For Loan Losses, 5 Yr. CAGR %	-6.07	-12.4	12.58	5.97	5.67
Total Revenues, 5 Yr. CAGR %	3.65	1.87	-14.4	-6.92	-1.61
Earnings From Cont. Operations, 5 Yr. CAGR %	-2.49	-7.77	2.17	-10.7	-20.33
Net Income, 5 Yr. CAGR %	-2.55	-7.79	2.29	-10.62	-20.27
Normalized Net Income, 5 Yr. CAGR %	-1.6	-10.79	5.48	-7.72	-11.74
Diluted EPS Before Extra, 5 Yr. CAGR %	-2.55	-7.79	2.29	-10.62	-20.27
Dividend Per Share, 5 Yr. CAGR %	-9.58	3.78	-25.55	-	-
Gross Loans, 5 Yr. CAGR %	6.91	7.48	4.41	4.64	6.46
Allowance For Loan Losses, 5 Yr. CAGR %	4.66	3.94	3.56	7.4	7.99
Net Loans, 5 Yr. CAGR %	7.01	7.63	4.45	4.52	6.4
Non Performing Loans, 5 Yr. CAGR %	10.3	6.76	4.27	4.52	-10.84
Non Performing Assets, 5 Yr. CAGR %	10.27	6.76	4.27	4.51	-10.84
Total Assets, 5 Yr. CAGR %	7.06	9.73	5.89	4.74	5.55
Total Deposits, 5 Yr CAGR %	6.68	8.04	5.4	6.23	6.16
Tangible Book Value, 5 Yr. CAGR %	5.38	3.49	0.28	-2.82	-6.33
Common Equity, 5 Yr. CAGR %	6.06	4.29	1.43	-1.23	-4.05
Total Equity, 5 Yr. CAGR %	6.08	4.31	1.46	-1.2	-4.12