Cash flow Banco Davivienda S.A.

Equities

PFDAVVNDA

COB51PA00076

Banks

End-of-day quote Bolsa De Valores De Colombia Other stock markets 16/01/2026			5-day change	1st Jan Change
26,300.00 ^COP	+1.00%		+0.69%	+5.96%

02/12	Scotiabank Quarterly Earnings Buoyed by Global Wealth Management, Markets Operations	DJ
01/12	Banco Davivienda S.A. completed the acquisition of banking operations in Colombia, Costa Rica and Panama from The Bank of Nova Scotia.	CI

36f585b3a6f340009cc.EiohgaIarNfFUmfctsGXFGrkceI9tT0kHADBDGtbP7U.c3pgt819w7-nAi-17LX5UFmUH5h13m5eKlamYjELDuxUbUvwyWDigYo3Jg

Published financial data: BANCO DAVIVIENDA S.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	10,60700Cr	10,23000Cr	15,33700Cr	20,26600Cr	18,33200Cr
Interest Income On Investments	86TCr	38TCr	55TCr	2,09600Cr	1,78600Cr
Interest Income, Total	11,46700Cr	10,61000Cr	15,88800Cr	22,36200Cr	20,11800Cr
Interest On Deposits	2,33800Cr	1,66300Cr	4,55700Cr	9,53500Cr	8,65500Cr
Total Interest On Borrowings	1,54200Cr	1,44200Cr	2,45300Cr	3,50500Cr	2,76000Cr
Interest Expense, Total	3,88100Cr	3,10600Cr	7,01000Cr	13,03900Cr	11,41500Cr
Net Interest Income	7,58600Cr	7,50500Cr	8,87800Cr	9,32200Cr	8,70300Cr
Gain (Loss) on Sale of Assets	-850.1Cr	-2.28TCr	-1.44TCr	-1.07TCr	-1.94TCr
Income (Loss) on Equity Invest. (Income Block)	296.3Cr	133.8Cr	-5.76TCr	-14TCr	-5.05TCr
Total Other Non Interest Income	1,25000Cr	1,62900Cr	1,83900Cr	2,08900Cr	2,16900Cr
Non Interest Income, Total	1,24500Cr	1,60700Cr	1,76700Cr	1,93900Cr	2,09900Cr
Revenues Before Provison For Loan Losses	8,83100Cr	9,11200Cr	10,64500Cr	11,26200Cr	10,80200Cr
Provision For Loan Losses	4,20000Cr	3,30100Cr	3,44600Cr	5,91700Cr	5,19600Cr
Total Revenues	4,63100Cr	5,81100Cr	7,19900Cr	5,34400Cr	5,60700Cr
Salaries And Other Employee Benefits	1,60800Cr	1,79400Cr	2,04600Cr	2,31200Cr	2,49700Cr
Occupancy Expense	31TCr	31TCr	35TCr	38TCr	45TCr
Selling General & Admin Expenses, Total	1,96600Cr	2,13500Cr	2,46600Cr	2,71900Cr	2,75500Cr
Total Other Non Interest Expense	27TCr	-20TCr	2.13TCr	93TCr	-2.83TCr
Non Interest Expense, Total	4,15500Cr	4,03800Cr	4,88000Cr	6,33800Cr	5,67000Cr
EBT, Excl. Unusual Items	48TCr	1,77300Cr	2,32000Cr	-99TCr	-6.35TCr
Legal Settlements	-	-	-	-	-
EBT, Incl. Unusual Items	48TCr	1,77300Cr	2,32000Cr	-99TCr	-6.35TCr
Income Tax Expense	6.81TCr	51TCr	70TCr	-62TCr	2.61TCr
Earnings From Continuing Operations	41TCr	1,26100Cr	1,61600Cr	-37TCr	-8.97TCr
Net Income to Company	41TCr	1,26100Cr	1,61600Cr	-37TCr	-8.97TCr
Minority Interest	-1.32TCr	-2.2TCr	-2.28TCr	-2.34TCr	-2.63TCr
Net Income - (IS)	39TCr	1,23900Cr	1,59300Cr	-40TCr	-12TCr
Net Income to Common Incl Extra Items	39TCr	1,23900Cr	1,59300Cr	-40TCr	-12TCr
Net Income to Common Excl. Extra Items	39TCr	1,23900Cr	1,59300Cr	-40TCr	-12TCr
Per Share Items
Net EPS - Basic	874.19	2.74T	3.53T	-876.08	-241.32
Basic EPS - Continuing Operations	874.19	2.74T	3.53T	-876.08	-241.32
Basic Weighted Average Shares Outstanding	45Cr	45Cr	45Cr	45Cr	48Cr
Net EPS - Diluted	874.19	2.74T	3.53T	-876.08	-241.32
Diluted EPS - Continuing Operations	874.19	2.74T	3.53T	-876.08	-241.32
Diluted Weighted Average Shares Outstanding	45Cr	45Cr	45Cr	45Cr	48Cr
Normalized Basic EPS	629.7	2.4T	3.16T	-1.43T	-137.37
Normalized Diluted EPS	629.7	2.4T	3.16T	-1.43T	-137.37
Dividend Per Share	-	1.07T	1.01T	-	-
Payout Ratio	105.66	-	30.39	-115.36	-0.12
Supplemental Items
Effective Tax Rate - (Ratio)	14.31	28.87	30.33	62.53	-41.14
Total Current Taxes	18TCr	52TCr	92TCr	22TCr	19TCr
Total Deferred Taxes	-11TCr	-416.4Cr	-22TCr	-84TCr	-16TCr
Normalized Net Income	28TCr	1,08600Cr	1,42700Cr	-64TCr	-6.6TCr

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	10,18400Cr	13,21600Cr	14,37400Cr	16,22800Cr	16,42600Cr
Investment Securities, Total	3,96500Cr	4,87700Cr	6,43500Cr	5,69600Cr	5,39200Cr
Trading Asset Securities, Total	13,17100Cr	11,48200Cr	14,26300Cr	14,98800Cr	16,86700Cr
Mortgage Backed Securities	43TCr	43TCr	35TCr	29TCr	28TCr
Total investments	17,56400Cr	16,79000Cr	21,05200Cr	20,97900Cr	22,54100Cr
Gross Loans	1,18,28400Cr	1,32,15300Cr	1,62,15900Cr	1,55,41700Cr	1,45,61300Cr
Allowance For Loan Losses	-6,39500Cr	-5,37400Cr	-6,31900Cr	-6,07600Cr	-5,52800Cr
Other Adjustments to Gross Loans	-11,45600Cr	-13,39100Cr	-17,06300Cr	-19,11500Cr	-
Net Loans	1,00,43300Cr	1,13,38800Cr	1,38,77700Cr	1,30,22600Cr	1,40,08500Cr
Gross Property Plant And Equipment	2,42800Cr	2,94100Cr	3,42500Cr	3,47300Cr	3,61000Cr
Accumulated Depreciation	-75TCr	-1,32300Cr	-1,68300Cr	-1,80300Cr	-1,93100Cr
Net Property Plant And Equipment	1,67700Cr	1,61800Cr	1,74200Cr	1,67000Cr	1,67900Cr
Goodwill	1,63500Cr	1,55200Cr	1,55200Cr	1,55200Cr	1,60000Cr
Other Intangibles, Total	21TCr	28TCr	39TCr	41TCr	49TCr
Investment in Real Estate	13TCr	13TCr	24TCr	40TCr	51TCr
Accrued Interest Receivable	3.67TCr	2.93TCr	6.28TCr	7.54TCr	4.01TCr
Other Receivables	1,37600Cr	1,58200Cr	1,47600Cr	2,22100Cr	3,13500Cr
Restricted Cash	1,77100Cr	2,24500Cr	1,90800Cr	1,71100Cr	1,52700Cr
Other Current Assets, Total	1,06500Cr	1,46500Cr	2,11400Cr	2,11900Cr	2,39400Cr
Deferred Tax Assets Long-Term (Collected)	5.75TCr	8.84TCr	9.16TCr	14TCr	27TCr
Other Real Estate Owned And Foreclosed	25TCr	25TCr	-	33TCr	44TCr
Other Long-Term Assets, Total	2.72TCr	4.17TCr	35TCr	16TCr	21TCr
Total Assets	1,36,41300Cr	1,52,68000Cr	1,84,12800Cr	1,78,21800Cr	1,91,32700Cr
Liabilities
Accounts Payable, Total	1LCr	1,05200Cr	1,82300Cr	2,06300Cr	1,52800Cr
Accrued Expenses, Total	27TCr	31TCr	33TCr	34TCr	34TCr
Interest Bearing Deposits	78,63300Cr	90,74000Cr	1,11,22500Cr	1,14,86000Cr	1,28,82900Cr
Non-Interest Bearing Deposits	8,62900Cr	8,87800Cr	8,63600Cr	8,61300Cr	7,52800Cr
Total Deposits	87,26100Cr	99,61800Cr	1,19,86100Cr	1,23,47300Cr	1,36,35700Cr
Short-Term Borrowings	3,57600Cr	1,48300Cr	3,48000Cr	3,90100Cr	4,51700Cr
Current Portion of Long-Term Debt	6,36800Cr	9,04700Cr	8,24200Cr	3,78500Cr	4,43100Cr
Current Portion of Leases	17TCr	17TCr	19TCr	21TCr	2.25TCr
Long-Term Debt	20,58700Cr	22,00300Cr	28,37300Cr	25,37200Cr	22,99600Cr
Long-Term Leases	74TCr	64TCr	63TCr	58TCr	68TCr
Current Income Taxes Payable	6.27TCr	7.53TCr	60TCr	11TCr	78TCr
Other Current Liabilities - (Bank / Utility Template)	1,92900Cr	2,18100Cr	2,44100Cr	2,52000Cr	2,34100Cr
Unearned Revenue Non Current	23TCr	27TCr	33TCr	24TCr	22TCr
Pension & Other Post Retirement Benefits	9.11TCr	9.8TCr	10TCr	12TCr	14TCr
Deferred Tax Liability Non-Current	79TCr	77TCr	58TCr	10TCr	5TCr
Other Non Current Liabilities	63TCr	69TCr	85TCr	65TCr	77TCr
Total Liabilities	1,23,69300Cr	1,38,40100Cr	1,67,83500Cr	1,63,46600Cr	1,75,16600Cr
Common Stock, Total	7.68TCr	8.13TCr	8.13TCr	8.13TCr	8.78TCr
Additional Paid In Capital	4,67700Cr	4,81700Cr	4,81700Cr	4,81700Cr	5,53100Cr
Retained Earnings	5,74800Cr	6,71300Cr	7,10500Cr	5,13100Cr	5,41100Cr
Comprehensive Income and Other	2,08800Cr	2,50300Cr	4,08700Cr	4,53600Cr	4,90800Cr
Total Common Equity	12,59000Cr	14,11400Cr	16,09000Cr	14,56600Cr	15,93800Cr
Minority Interest	13TCr	17TCr	20TCr	19TCr	22TCr
Total Equity	12,72000Cr	14,28000Cr	16,29300Cr	14,75300Cr	16,16100Cr
Total Liabilities And Equity	1,36,41300Cr	1,52,68000Cr	1,84,12800Cr	1,78,21800Cr	1,91,32700Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	45Cr	45Cr	45Cr	45Cr	49Cr
ECS Total Common Shares Outstanding	45Cr	45Cr	45Cr	45Cr	49Cr
Book Value / Share	27.87T	31.25T	35.62T	32.25T	32.68T
Tangible Book Value	10,74600Cr	12,28100Cr	14,14500Cr	12,60300Cr	13,85200Cr
Tangible Book Value Per Share	23.79T	27.19T	31.32T	27.9T	28.4T
Average Loans	1,08,68200Cr	1,12,85100Cr	1,33,07100Cr	1,42,06400Cr	1,39,47100Cr
Total Debt	31,44200Cr	33,34600Cr	40,91700Cr	33,84600Cr	32,64600Cr
Net Debt	7,93100Cr	8,44500Cr	11,99600Cr	2,39700Cr	-91TCr
Equity Method Investments, Total	10TCr	11TCr	34TCr	22TCr	22TCr
Full Time Employees	-	-	-	17.96T	-
Number Of Offices	-	-	-	674	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	39TCr	1,23900Cr	1,59300Cr	-40TCr	-12TCr
Depreciation, Depletion & Amortization	26TCr	25TCr	26TCr	29TCr	33TCr
Amortization of Goodwill and Intangible Assets - (CF)	5.66TCr	6.16TCr	8.19TCr	9.08TCr	12TCr
Total Depreciation, Depletion & Amortization	31TCr	31TCr	35TCr	38TCr	45TCr
Minority Interest in Earnings - (CF)	-	-	-	-	-
Gain (Loss) on Sale of Loans & Receivables - (CF)	-	-99Cr	93Cr	-	69TCr
(Gain) Loss On Sale of Asset - (CF)	857.2Cr	3.5TCr	-21Cr	4.41TCr	15TCr
(Gain) Loss on Sale of Investments - (CF)	-1,30000Cr	-71TCr	-1,34800Cr	-73TCr	-2,17500Cr
Total Asset Writedown	6.35TCr	11TCr	8.09TCr	6.7TCr	-11TCr
Provision for Credit Losses	4,38400Cr	3,75700Cr	4,24700Cr	6,55100Cr	5,86900Cr
(Income) Loss On Equity Investments - (CF)	-360.8Cr	-133.8Cr	5.76TCr	14TCr	5.05TCr
Net (Increase) Decrease in Loans Originated / Sold - Operating	2.63TCr	65TCr	25TCr	35TCr	-
Change in Trading Asset Securities	-1,37700Cr	1,08100Cr	25TCr	38TCr	75TCr
Change in Accounts Payable	31TCr	6.28TCr	96TCr	49TCr	96TCr
Change In Income Taxes	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-10,77100Cr	-18,28400Cr	-22,53300Cr	-3,18700Cr	-14,06000Cr
Other Operating Activities	-29TCr	90TCr	2,61700Cr	-2,04400Cr	-51TCr
Cash from Operations	-8,23600Cr	-10,84900Cr	-13,47700Cr	2,04800Cr	-8,06600Cr
Capital Expenditure	-17TCr	-8.98TCr	-17TCr	-18TCr	-19TCr
Sale of Property, Plant, and Equipment	334.2Cr	728Cr	1.46TCr	518.2Cr	1.07TCr
Cash Acquisitions	-986.2Cr	-	-	-4.02TCr	931.6Cr
Divestitures	-	1.39TCr	1.51TCr	-	-
Purchase / Sale of Intangible Assets	-	-	-20TCr	-11TCr	-22TCr
Sale (Purchase) of Real Estate Properties (Collected)	468.7Cr	1.81TCr	983.9Cr	1.12TCr	1.75TCr
Investment in Marketable and Equity Securities, Total	-1,66800Cr	13TCr	-1,27900Cr	-22TCr	-18TCr
Net (Increase) Decrease in Loans Originated / Sold - Investing	-	-	-	-	-
Other Investing Activities, Total	2.24TCr	2.56TCr	2.82TCr	3.08TCr	2.77TCr
Cash from Investing	-1,82200Cr	10TCr	-1,58500Cr	-50TCr	-53TCr
Long-Term Debt Issued, Total	13,62500Cr	11,79200Cr	18,17600Cr	6,34800Cr	6,47700Cr
Total Debt Issued	13,62500Cr	11,79200Cr	18,17600Cr	6,34800Cr	6,47700Cr
Long-Term Debt Repaid, Total	-13,41400Cr	-10,14400Cr	-16,34600Cr	-9,89500Cr	-11,31400Cr
Total Debt Repaid	-13,41400Cr	-10,14400Cr	-16,34600Cr	-9,89500Cr	-11,31400Cr
Issuance of Common Stock	-	-	-	-	72TCr
Common Dividends Paid	-42TCr	-	-48TCr	-46TCr	-13Cr
Common & Preferred Stock Dividends Paid	-42TCr	-	-48TCr	-46TCr	-13Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	11,81500Cr	12,18800Cr	13,67200Cr	4,97800Cr	11,96400Cr
Other Financing Activities, Total	-	-30L	-	-	-
Cash from Financing	11,60900Cr	13,83600Cr	15,01800Cr	97TCr	7,84700Cr
Foreign Exchange Rate Adjustments	-6.4TCr	42TCr	87TCr	-87TCr	76TCr
Net Change in Cash	1,48800Cr	3,50500Cr	82TCr	1,65700Cr	1.42TCr
Supplemental Items
Cash Interest Paid	3,96000Cr	3,07900Cr	6,33600Cr	11,80700Cr	10,66100Cr
Cash Income Tax Paid (Refund)	25TCr	26TCr	39TCr	53TCr	1,12700Cr
Net Debt Issued / Repaid	21TCr	1,64800Cr	1,83000Cr	-3,54700Cr	-4,83700Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.32	0.87	0.96	-0.21	-0.05
Return On Equity %	3.22	9.34	10.57	-2.4	-0.58
Return on Common Equity	3.14	9.28	10.55	-2.58	-0.76
Shareholders Value Added	-1,05500Cr	-30TCr	-14TCr	-2,14400Cr	-1,82800Cr
Margin Analysis
SG&A Margin	83.92	72.92	67.48	101.21	101.64
Net Interest Income / Total Revenues %	163.81	129.15	123.31	174.43	155.22
EBT Excl. Non-Recurring Items Margin %	10.28	30.51	32.22	-18.6	-1.13
Income From Continuing Operations Margin %	8.81	21.7	22.45	-6.97	-1.6
Net Income Margin %	8.53	21.33	22.13	-7.4	-2.07
Net Avail. For Common Margin %	8.53	21.33	22.13	-7.4	-2.07
Normalized Net Income Margin	6.14	18.69	19.82	-12.06	-1.18
Asset quality
Nonperforming Loans / Total Loans %	8.02	5.99	5.61	7.25	4.89
Nonperforming Loans / Total Assets %	6.95	5.19	4.94	6.32	3.72
Nonperforming Assets / Total Assets %	7.16	5.38	5.13	6.55	3.99
NPAs / Loans and OREO	8.24	6.21	5.82	7.49	5.23
NPAs / Equity	76.8	57.54	57.95	79.07	47.25
Allowance for Credit Losses / Nonperforming Loans %	67.44	67.87	69.42	53.93	77.62
Allowance for Credit Losses / Total Loans %	5.41	4.07	3.9	3.91	3.8
Earning Assets / IBL	104.44	105.37	103.29	99.44	101.22
Capital And Funding
Total Average Common Equity / Total Average Assets %	9.71	9.24	8.97	8.46	8.25
Total Average Equity / Total Average Assets %	9.81	9.34	9.08	8.57	8.37
Total Equity + Allowance for Loan Losses / Total Loans %	16.05	14.75	13.82	13.28	14.74
Gross Loans / Total Deposits %	135.55	132.66	135.29	125.87	106.79
Net Loans / Total Deposits %	115.09	113.82	115.78	105.47	102.73
Tier 1 Capital Ratio %	8.26	13.81	12.88	11.75	12.66
Total Capital Ratio %	12.31	18	16.29	14.54	15.57
Core Tier 1 Capital Ratio	8.26	11.96	11.07	10.25	10.95
Tier 2 Capital Ratio	4.04	4.19	3.41	2.78	2.91
Coverage Ratio	120.37	106.22	135.89	90.31	77.62
Interbank Ratio	1.9	1.74	5.71	3.25	2.17
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	1.31	2.23	1.95	0.72	0.98
EBT + Interest Expense / Interest Expense	1.12	1.57	1.33	0.92	0.99
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	12.95	-1.07	18.29	5.01	-6.64
Non Interest Income, 1 Yr. Growth %	-5.08	29.11	9.96	9.74	8.26
Provision For Loan Losses, 1 Yr. Growth %	72.51	-21.4	4.38	71.73	-12.2
Total Revenues, 1 Yr. Growth %	-17.2	25.47	23.9	-25.76	4.91
Earnings From Cont. Operations, 1 Yr. Growth %	-72.5	209.08	28.13	-123.04	-75.92
Net Income, 1 Yr. Growth %	-73.15	213.84	28.56	-124.84	-70.69
Normalized Net Income, 1 Yr. Growth %	-76.12	281.9	31.37	-145.17	-89.76
Diluted EPS Before Extra, 1 Yr. Growth %	-73.15	213.84	28.56	-124.84	-72.45
Dividend Per Share, 1 Yr. Growth %	-	-	-5.78	-	-
Gross Loans, 1 Yr. Growth %	7.72	11.73	22.68	-4.16	6.83
Allowance For Loan Losses, 1 Yr. Growth %	54.33	-15.96	17.57	-3.85	-9.01
Net Loans, 1 Yr. Growth %	7.57	12.9	22.37	-6.16	7.57
Non Performing Loans, 1 Yr. Growth %	47.4	-16.49	14.95	23.77	5.87
Non Performing Assets, 1 Yr. Growth %	45.42	-15.88	14.92	23.54	7.13
Total Assets, 1 Yr. Growth %	11.61	11.92	20.6	-3.21	7.36
Total Deposits, 1 Yr Growth %	15.41	14.16	20.32	3.01	10.43
Tangible Book Value, 1 Yr. Growth %	0.44	14.29	15.18	-10.9	9.91
Average Interest Earning Assets, 1 Yr. Growth %	18.04	3.67	16.69	4.88	2.1
Average Interest Bearing Liabilities, 1 Yr. Growth %	20.15	2.76	19.04	8.93	0.31
Common Equity, 1 Yr. Growth %	0.53	12.1	14	-9.47	9.42
Total Equity, 1 Yr. Growth %	0.55	12.26	14.1	-9.46	9.54
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	12.72	5.71	8.18	11.46	-0.99
Non Interest Income, 2 Yr. CAGR %	-0.5	10.7	19.15	9.85	9
Provision For Loan Losses, 2 Yr. CAGR %	42.27	16.45	-9.42	33.89	22.8
Total Revenues, 2 Yr. CAGR %	-5.2	1.92	24.68	-4.1	-11.75
Earnings From Cont. Operations, 2 Yr. CAGR %	-45.98	-7.81	99.01	-45.67	-76.45
Net Income, 2 Yr. CAGR %	-46.7	-8.2	100.87	-43.49	-73.02
Normalized Net Income, 2 Yr. CAGR %	-50.57	-4.51	123.99	-22.97	-78.49
Diluted EPS Before Extra, 2 Yr. CAGR %	-46.7	-8.2	100.87	-43.49	-73.84
Dividend Per Share, 2 Yr. CAGR %	-	7.59	-	-	-
Gross Loans, 2 Yr. CAGR %	8.99	9.7	17.09	8.44	-5.24
Allowance For Loan Losses, 2 Yr. CAGR %	31.29	13.89	-0.6	6.32	-6.46
Net Loans, 2 Yr. CAGR %	9.17	10.2	17.55	7.16	0.47
Non Performing Loans, 2 Yr. CAGR %	24.27	10.95	-2.02	19.28	-11.54
Non Performing Assets, 2 Yr. CAGR %	23.75	10.6	-1.68	19.15	-10.08
Total Assets, 2 Yr. CAGR %	11	11.77	16.18	8.04	1.94
Total Deposits, 2 Yr CAGR %	13.93	14.79	17.2	11.33	6.66
Tangible Book Value, 2 Yr. CAGR %	6.33	7.14	14.73	1.3	-1.04
Average Interest Earning Assets, 2 Yr. CAGR %	15.31	10.62	9.98	10.63	3.48
Average Interest Bearing Liabilities, 2 Yr. CAGR %	16.29	11.11	10.6	13.87	4.53
Common Equity, 2 Yr. CAGR %	5.5	6.16	13.05	1.59	-0.47
Total Equity, 2 Yr. CAGR %	5.59	6.24	13.18	1.64	-0.41
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	11.3	7.92	9.75	7.11	5.06
Non Interest Income, 3 Yr. CAGR %	-0.07	8.53	10.46	15.93	9.32
Provision For Loan Losses, 3 Yr. CAGR %	28.58	16.74	12.28	12.11	16.32
Total Revenues, 3 Yr. CAGR %	-1	4.09	8.78	4.89	-1.18
Earnings From Cont. Operations, 3 Yr. CAGR %	-31.74	-3.39	2.88	-3.01	-58.57
Net Income, 3 Yr. CAGR %	-32.35	-3.76	2.7	0.07	-54.6
Normalized Net Income, 3 Yr. CAGR %	-35.24	-2.29	6.2	31.35	-60.68
Diluted EPS Before Extra, 3 Yr. CAGR %	-32.49	-3.76	2.7	0.07	-55.53
Dividend Per Share, 3 Yr. CAGR %	-	8.47	2.94	-	-
Gross Loans, 3 Yr. CAGR %	10.33	9.89	13.88	9.53	3.28
Allowance For Loan Losses, 3 Yr. CAGR %	40.42	13.15	15.1	-1.69	0.94
Net Loans, 3 Yr. CAGR %	9.75	10.4	14.12	9.05	7.29
Non Performing Loans, 3 Yr. CAGR %	26.68	8.85	12.27	5.91	-3.47
Non Performing Assets, 3 Yr. CAGR %	26.08	8.81	12.02	6.1	-2.42
Total Assets, 3 Yr. CAGR %	10.62	11.3	14.64	9.32	7.81
Total Deposits, 3 Yr CAGR %	11.78	14.01	16.6	12.27	11.03
Tangible Book Value, 3 Yr. CAGR %	6.14	8.92	9.75	5.46	4.09
Average Interest Earning Assets, 3 Yr. CAGR %	12.83	11.29	12.61	8.26	7.71
Average Interest Bearing Liabilities, 3 Yr. CAGR %	12.59	11.59	13.69	10.04	9.16
Common Equity, 3 Yr. CAGR %	5.27	7.66	8.71	4.98	4.14
Total Equity, 3 Yr. CAGR %	5.33	7.77	8.8	5.07	4.21
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	12.14	8.57	10.04	9.32	5.32
Non Interest Income, 5 Yr. CAGR %	4.82	4.7	7.22	9.06	9.87
Provision For Loan Losses, 5 Yr. CAGR %	29.46	21.74	11.77	23.32	16.37
Total Revenues, 5 Yr. CAGR %	2.43	2.98	8.56	0.73	0.05
Earnings From Cont. Operations, 5 Yr. CAGR %	-19.89	-6.07	4.72	-23.25	-42.95
Net Income, 5 Yr. CAGR %	-20.37	-6.32	4.55	-22.22	-39.83
Normalized Net Income, 5 Yr. CAGR %	-23.27	-5.72	6.38	-11.16	-43.93
Diluted EPS Before Extra, 5 Yr. CAGR %	-20.68	-6.4	4.42	-22.22	-40.57
Dividend Per Share, 5 Yr. CAGR %	-	2.45	4.77	-	-
Gross Loans, 5 Yr. CAGR %	11.24	10.38	12.98	9.31	5.81
Allowance For Loan Losses, 5 Yr. CAGR %	29.9	26.21	22.3	10.37	5.94
Net Loans, 5 Yr. CAGR %	10	9.74	12.81	9.1	8.45
Non Performing Loans, 5 Yr. CAGR %	36.54	24.45	14.31	12.91	2.06
Non Performing Assets, 5 Yr. CAGR %	35.45	23.96	14.14	12.83	2.59
Total Assets, 5 Yr. CAGR %	10.26	10.29	12.81	9.99	9.38
Total Deposits, 5 Yr CAGR %	10.86	11.07	13.92	12.93	12.52
Tangible Book Value, 5 Yr. CAGR %	9.42	8.46	9.5	5.81	5.3
Average Interest Earning Assets, 5 Yr. CAGR %	13.57	10.43	11.68	11.02	8.86
Average Interest Bearing Liabilities, 5 Yr. CAGR %	12.44	9.91	11.79	12.5	9.94
Common Equity, 5 Yr. CAGR %	7.85	7.24	8.32	5.19	4.94
Total Equity, 5 Yr. CAGR %	7.85	7.29	8.4	5.27	5.02