Financial Ratios Banco Davivienda S.A.

Equities

PFDAVVNDA

COB51PA00076

Banks

End-of-day quote Bolsa De Valores De Colombia Other stock markets 12/05/2026			5-day change	1st Jan Change
20,600.00 ^COP	+0.49%		-8.85%	-17.00%

10/04	Banco Davivienda S.A. announces Annual dividend, payable on December 29, 2025	CI
16/03	Banco Davivienda S.A., Q4 2025 Earnings Call, Mar 16, 2026

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Published financial data: BANCO DAVIVIENDA S.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	10,23000Cr	15,33700Cr	20,26600Cr	18,33200Cr	17,61300Cr
Interest Income On Investments	38TCr	55TCr	2,09600Cr	1,78600Cr	1,79400Cr
Interest Income, Total	10,61000Cr	15,88800Cr	22,36200Cr	20,11800Cr	19,40700Cr
Interest On Deposits	1,66300Cr	4,55700Cr	9,53500Cr	8,65500Cr	8,08300Cr
Total Interest On Borrowings	1,44200Cr	2,45300Cr	3,50500Cr	2,76000Cr	2,27000Cr
Interest Expense, Total	3,10600Cr	7,01000Cr	13,03900Cr	11,41500Cr	10,35300Cr
Net Interest Income	7,50500Cr	8,87800Cr	9,32200Cr	8,70300Cr	9,05400Cr
Gain (Loss) on Sale of Assets	-2.28TCr	-1.44TCr	-1.07TCr	-1.94TCr	-3.68TCr
Income (Loss) on Equity Invest. (Income Block)	133.8Cr	-5.76TCr	-14TCr	-5.05TCr	13TCr
Total Other Non Interest Income	1,62900Cr	1,83900Cr	2,08900Cr	2,16900Cr	2,40600Cr
Non Interest Income, Total	1,60700Cr	1,76700Cr	1,93900Cr	2,09900Cr	2,49700Cr
Revenues Before Provison For Loan Losses	9,11200Cr	10,64500Cr	11,26200Cr	10,80200Cr	11,55100Cr
Provision For Loan Losses	3,30100Cr	3,44600Cr	5,91700Cr	5,19600Cr	3,30700Cr
Total Revenues	5,81100Cr	7,19900Cr	5,34400Cr	5,60700Cr	8,24400Cr
Salaries And Other Employee Benefits	1,79400Cr	2,04600Cr	2,31200Cr	2,49700Cr	2,69600Cr
Occupancy Expense	31TCr	35TCr	38TCr	45TCr	48TCr
Selling General & Admin Expenses, Total	2,13500Cr	2,46600Cr	2,71900Cr	2,75500Cr	3,40400Cr
Total Other Non Interest Expense	-20TCr	2.13TCr	93TCr	-2.83TCr	-56TCr
Non Interest Expense, Total	4,03800Cr	4,88000Cr	6,33800Cr	5,67000Cr	6,02300Cr
EBT, Excl. Unusual Items	1,77300Cr	2,32000Cr	-99TCr	-6.35TCr	2,22100Cr
EBT, Incl. Unusual Items	1,77300Cr	2,32000Cr	-99TCr	-6.35TCr	2,22100Cr
Income Tax Expense	51TCr	70TCr	-62TCr	2.61TCr	61TCr
Earnings From Continuing Operations	1,26100Cr	1,61600Cr	-37TCr	-8.97TCr	1,61500Cr
Net Income to Company	1,26100Cr	1,61600Cr	-37TCr	-8.97TCr	1,61500Cr
Minority Interest	-2.2TCr	-2.28TCr	-2.34TCr	-2.63TCr	-9.26TCr
Net Income - (IS)	1,23900Cr	1,59300Cr	-40TCr	-12TCr	1,52200Cr
Net Income to Common Incl Extra Items	1,23900Cr	1,59300Cr	-40TCr	-12TCr	1,52200Cr
Net Income to Common Excl. Extra Items	1,23900Cr	1,59300Cr	-40TCr	-12TCr	1,52200Cr
Per Share Items
Net EPS - Basic	2.74T	3.53T	-876.08	-241.32	3.12T
Basic EPS - Continuing Operations	2.74T	3.53T	-876.08	-241.32	3.12T
Basic Weighted Average Shares Outstanding	45Cr	45Cr	45Cr	48Cr	49Cr
Net EPS - Diluted	2.74T	3.53T	-876.08	-241.32	3.12T
Diluted EPS - Continuing Operations	2.74T	3.53T	-876.08	-241.32	3.12T
Diluted Weighted Average Shares Outstanding	45Cr	45Cr	45Cr	48Cr	49Cr
Normalized Basic EPS	2.4T	3.16T	-1.43T	-137.37	2.66T
Normalized Diluted EPS	2.4T	3.16T	-1.43T	-137.37	2.66T
Dividend Per Share	1.07T	1.01T	-	-	-
Payout Ratio	-	30.39	-115.36	-0.12	33.54
Supplemental Items
Effective Tax Rate - (Ratio)	28.87	30.33	62.53	-41.14	27.3
Total Current Taxes	52TCr	92TCr	22TCr	19TCr	24TCr
Total Deferred Taxes	-416.4Cr	-22TCr	-84TCr	-16TCr	36TCr
Normalized Net Income	1,08600Cr	1,42700Cr	-64TCr	-6.6TCr	1,29500Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	13,21600Cr	14,37400Cr	16,22800Cr	16,42600Cr	23,49100Cr
Investment Securities, Total	4,87700Cr	6,43500Cr	5,69600Cr	5,39200Cr	5,49600Cr
Trading Asset Securities, Total	11,48200Cr	14,26300Cr	14,98800Cr	16,86700Cr	18,47100Cr
Mortgage Backed Securities	43TCr	35TCr	29TCr	28TCr	20TCr
Total investments	16,79000Cr	21,05200Cr	20,97900Cr	22,54100Cr	24,16300Cr
Gross Loans	1,32,15300Cr	1,62,15900Cr	1,55,41700Cr	1,45,61300Cr	1,71,00100Cr
Allowance For Loan Losses	-5,37400Cr	-6,31900Cr	-6,07600Cr	-5,52800Cr	-6,10000Cr
Other Adjustments to Gross Loans	-13,39100Cr	-17,06300Cr	-19,11500Cr	-	-
Net Loans	1,13,38800Cr	1,38,77700Cr	1,30,22600Cr	1,40,08500Cr	1,64,90100Cr
Gross Property Plant And Equipment	2,94100Cr	3,42500Cr	3,47300Cr	3,61000Cr	4,11200Cr
Accumulated Depreciation	-1,32300Cr	-1,68300Cr	-1,80300Cr	-1,93100Cr	-2,39500Cr
Net Property Plant And Equipment	1,61800Cr	1,74200Cr	1,67000Cr	1,67900Cr	1,71600Cr
Goodwill	1,55200Cr	1,55200Cr	1,55200Cr	1,60000Cr	1,60000Cr
Other Intangibles, Total	28TCr	39TCr	41TCr	49TCr	51TCr
Investment in Real Estate	13TCr	24TCr	40TCr	51TCr	53TCr
Accrued Interest Receivable	2.93TCr	6.28TCr	7.54TCr	4.01TCr	3.76TCr
Other Receivables	1,58200Cr	1,47600Cr	2,22100Cr	3,13500Cr	2,15800Cr
Restricted Cash	2,24500Cr	1,90800Cr	1,71100Cr	1,52700Cr	1,43600Cr
Other Current Assets, Total	1,46500Cr	2,11400Cr	2,11900Cr	2,39400Cr	3,09900Cr
Deferred Tax Assets Long-Term (Collected)	8.84TCr	9.16TCr	14TCr	27TCr	16TCr
Other Real Estate Owned And Foreclosed	25TCr	-	33TCr	44TCr	42TCr
Other Long-Term Assets, Total	4.17TCr	35TCr	16TCr	21TCr	28TCr
Total Assets	1,52,68000Cr	1,84,12800Cr	1,78,21800Cr	1,91,32700Cr	2,24,49800Cr
Liabilities
Accounts Payable, Total	1,05200Cr	1,82300Cr	2,06300Cr	1,52800Cr	2,11400Cr
Accrued Expenses, Total	31TCr	33TCr	34TCr	34TCr	45TCr
Interest Bearing Deposits	90,74000Cr	1,11,22500Cr	1,14,86000Cr	1,28,82900Cr	1,54,47200Cr
Non-Interest Bearing Deposits	8,87800Cr	8,63600Cr	8,61300Cr	7,52800Cr	8,49600Cr
Total Deposits	99,61800Cr	1,19,86100Cr	1,23,47300Cr	1,36,35700Cr	1,62,96800Cr
Short-Term Borrowings	1,48300Cr	3,48000Cr	3,90100Cr	4,51700Cr	5,76700Cr
Current Portion of Long-Term Debt	9,04700Cr	8,24200Cr	3,78500Cr	4,43100Cr	6,54600Cr
Current Portion of Leases	17TCr	19TCr	21TCr	2.25TCr	-
Long-Term Debt	22,00300Cr	28,37300Cr	25,37200Cr	22,99600Cr	22,14100Cr
Long-Term Leases	64TCr	63TCr	58TCr	68TCr	72TCr
Current Income Taxes Payable	7.53TCr	60TCr	11TCr	78TCr	15TCr
Other Current Liabilities - (Bank / Utility Template)	2,18100Cr	2,44100Cr	2,52000Cr	2,34100Cr	3,20100Cr
Unearned Revenue Non Current	27TCr	33TCr	24TCr	22TCr	33TCr
Pension & Other Post Retirement Benefits	9.8TCr	10TCr	12TCr	14TCr	14TCr
Deferred Tax Liability Non-Current	77TCr	58TCr	10TCr	5TCr	29TCr
Other Non Current Liabilities	69TCr	85TCr	65TCr	77TCr	83TCr
Total Liabilities	1,38,40100Cr	1,67,83500Cr	1,63,46600Cr	1,75,16600Cr	2,05,65200Cr
Common Stock, Total	8.13TCr	8.13TCr	8.13TCr	8.78TCr	8.78TCr
Additional Paid In Capital	4,81700Cr	4,81700Cr	4,81700Cr	5,53100Cr	5,53100Cr
Retained Earnings	6,71300Cr	7,10500Cr	5,13100Cr	5,41100Cr	7,04300Cr
Comprehensive Income and Other	2,50300Cr	4,08700Cr	4,53600Cr	4,90800Cr	3,60200Cr
Total Common Equity	14,11400Cr	16,09000Cr	14,56600Cr	15,93800Cr	16,26400Cr
Minority Interest	17TCr	20TCr	19TCr	22TCr	2,58200Cr
Total Equity	14,28000Cr	16,29300Cr	14,75300Cr	16,16100Cr	18,84600Cr
Total Liabilities And Equity	1,52,68000Cr	1,84,12800Cr	1,78,21800Cr	1,91,32700Cr	2,24,49800Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	45Cr	45Cr	45Cr	49Cr	49Cr
ECS Total Common Shares Outstanding	45Cr	45Cr	45Cr	49Cr	49Cr
Book Value / Share	31.25T	35.62T	32.25T	32.68T	33.35T
Tangible Book Value	12,28100Cr	14,14500Cr	12,60300Cr	13,85200Cr	14,15000Cr
Tangible Book Value Per Share	27.19T	31.32T	27.9T	28.4T	29.02T
Average Loans	1,12,85100Cr	1,33,07100Cr	1,42,06400Cr	1,39,47100Cr	1,47,28400Cr
Total Debt	33,34600Cr	40,91700Cr	33,84600Cr	32,64600Cr	35,17100Cr
Net Debt	8,44500Cr	11,99600Cr	2,39700Cr	-91TCr	-7,04700Cr
Equity Method Investments, Total	11TCr	34TCr	22TCr	22TCr	21TCr
Full Time Employees	-	-	17.96T	-	-
Number Of Offices	-	-	674	-	678

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	1,23900Cr	1,59300Cr	-40TCr	-12TCr	1,52200Cr
Depreciation, Depletion & Amortization	25TCr	26TCr	29TCr	33TCr	32TCr
Amortization of Goodwill and Intangible Assets - (CF)	6.16TCr	8.19TCr	9.08TCr	12TCr	16TCr
Total Depreciation, Depletion & Amortization	31TCr	35TCr	38TCr	45TCr	48TCr
Minority Interest in Earnings - (CF)	-	-	-	-	-
Gain (Loss) on Sale of Loans & Receivables - (CF)	-99Cr	93Cr	-	69TCr	6.83TCr
(Gain) Loss On Sale of Asset - (CF)	3.5TCr	-21Cr	4.41TCr	15TCr	22TCr
(Gain) Loss on Sale of Investments - (CF)	-71TCr	-1,34800Cr	-73TCr	-2,17500Cr	-1,88800Cr
Total Asset Writedown	11TCr	8.09TCr	6.7TCr	-11TCr	9.81TCr
Provision for Credit Losses	3,75700Cr	4,24700Cr	6,55100Cr	5,86900Cr	4,21900Cr
(Income) Loss On Equity Investments - (CF)	-133.8Cr	5.76TCr	14TCr	5.05TCr	-13TCr
Net (Increase) Decrease in Loans Originated / Sold - Operating	65TCr	25TCr	35TCr	-	-
Change in Trading Asset Securities	1,08100Cr	25TCr	38TCr	75TCr	3,25400Cr
Change in Accounts Payable	6.28TCr	96TCr	49TCr	96TCr	1,10000Cr
Change In Income Taxes	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-18,28400Cr	-22,53300Cr	-3,18700Cr	-14,06000Cr	-30,41800Cr
Other Operating Activities	90TCr	2,61700Cr	-2,04400Cr	-51TCr	-1,74900Cr
Cash from Operations	-10,84900Cr	-13,47700Cr	2,04800Cr	-8,06600Cr	-23,22200Cr
Capital Expenditure	-8.98TCr	-17TCr	-18TCr	-19TCr	-15TCr
Sale of Property, Plant, and Equipment	728Cr	1.46TCr	518.2Cr	1.07TCr	775.1Cr
Cash Acquisitions	-	-	-4.02TCr	-	-
Divestitures	1.39TCr	1.51TCr	-	931.6Cr	-
Purchase / Sale of Intangible Assets	-	-20TCr	-11TCr	-22TCr	-18TCr
Sale (Purchase) of Real Estate Properties (Collected)	1.81TCr	983.9Cr	1.12TCr	1.75TCr	3.09TCr
Investment in Marketable and Equity Securities, Total	13TCr	-1,27900Cr	-22TCr	-18TCr	-3,04600Cr
Net (Increase) Decrease in Loans Originated / Sold - Investing	-	-	-	-	-
Other Investing Activities, Total	2.56TCr	2.82TCr	3.08TCr	2.77TCr	3,15000Cr
Cash from Investing	10TCr	-1,58500Cr	-50TCr	-53TCr	-18TCr
Long-Term Debt Issued, Total	11,79200Cr	18,17600Cr	6,34800Cr	6,47700Cr	11,40300Cr
Total Debt Issued	11,79200Cr	18,17600Cr	6,34800Cr	6,47700Cr	11,40300Cr
Long-Term Debt Repaid, Total	-10,14400Cr	-16,34600Cr	-9,89500Cr	-11,31400Cr	-8,86800Cr
Total Debt Repaid	-10,14400Cr	-16,34600Cr	-9,89500Cr	-11,31400Cr	-8,86800Cr
Issuance of Common Stock	-	-	-	72TCr	-
Common Dividends Paid	-	-48TCr	-46TCr	-13Cr	-51TCr
Common & Preferred Stock Dividends Paid	-	-48TCr	-46TCr	-13Cr	-51TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	12,18800Cr	13,67200Cr	4,97800Cr	11,96400Cr	27,94800Cr
Other Financing Activities, Total	-30L	-	-	-	56TCr
Cash from Financing	13,83600Cr	15,01800Cr	97TCr	7,84700Cr	30,53400Cr
Foreign Exchange Rate Adjustments	42TCr	87TCr	-87TCr	76TCr	-16TCr
Net Change in Cash	3,50500Cr	82TCr	1,65700Cr	1.42TCr	6,97400Cr
Supplemental Items
Cash Interest Paid	3,07900Cr	6,33600Cr	11,80700Cr	10,66100Cr	9,80700Cr
Cash Income Tax Paid (Refund)	26TCr	39TCr	53TCr	1,12700Cr	1,18400Cr
Net Debt Issued / Repaid	1,64800Cr	1,83000Cr	-3,54700Cr	-4,83700Cr	2,53500Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.87	0.96	-0.21	-0.05	0.78
Return On Equity %	9.34	10.57	-2.4	-0.58	9.22
Return on Common Equity	9.28	10.55	-2.58	-0.76	9.45
Shareholders Value Added	-30TCr	-14TCr	-2,14400Cr	-1,82800Cr	-25TCr
Margin Analysis
SG&A Margin	72.92	67.48	101.21	101.64	79.84
Net Interest Income / Total Revenues %	129.15	123.31	174.43	155.22	109.82
EBT Excl. Non-Recurring Items Margin %	30.51	32.22	-18.6	-1.13	26.94
Income From Continuing Operations Margin %	21.7	22.45	-6.97	-1.6	19.59
Net Income Margin %	21.33	22.13	-7.4	-2.07	18.46
Net Avail. For Common Margin %	21.33	22.13	-7.4	-2.07	18.46
Normalized Net Income Margin	18.69	19.82	-12.06	-1.18	15.71
Asset quality
Nonperforming Loans / Total Loans %	5.99	5.61	7.25	4.89	4.04
Nonperforming Loans / Total Assets %	5.19	4.94	6.32	3.72	3.08
Nonperforming Assets / Total Assets %	5.38	5.13	6.55	3.99	3.32
NPAs / Loans and OREO	6.21	5.82	7.49	5.23	4.35
NPAs / Equity	57.54	57.95	79.07	47.25	39.56
Allowance for Credit Losses / Nonperforming Loans %	67.87	69.42	53.93	77.62	88.3
Allowance for Credit Losses / Total Loans %	4.07	3.9	3.91	3.8	3.57
Earning Assets / IBL	105.37	103.29	99.44	101.22	101.41
Capital And Funding
Total Average Common Equity / Total Average Assets %	9.24	8.97	8.46	8.25	7.74
Total Average Equity / Total Average Assets %	9.34	9.08	8.57	8.37	8.42
Total Equity + Allowance for Loan Losses / Total Loans %	14.75	13.82	13.28	14.74	13.08
Gross Loans / Total Deposits %	132.66	135.29	125.87	106.79	104.93
Net Loans / Total Deposits %	113.82	115.78	105.47	102.73	101.19
Tier 1 Capital Ratio %	13.81	12.88	11.75	12.66	12.91
Total Capital Ratio %	18	16.29	14.54	15.57	16.13
Core Tier 1 Capital Ratio	11.96	11.07	10.25	10.95	11.62
Tier 2 Capital Ratio	4.19	3.41	2.78	2.91	3.22
Coverage Ratio	106.22	135.89	90.31	77.62	88.3
Interbank Ratio	1.74	5.71	3.25	2.17	1.64
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	2.23	1.95	0.72	0.98	1.98
EBT + Interest Expense / Interest Expense	1.57	1.33	0.92	0.99	1.21
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-1.07	18.29	5.01	-6.64	4.03
Non Interest Income, 1 Yr. Growth %	29.11	9.96	9.74	8.26	18.93
Provision For Loan Losses, 1 Yr. Growth %	-21.4	4.38	71.73	-12.2	-36.35
Total Revenues, 1 Yr. Growth %	25.47	23.9	-25.76	4.91	47.03
Earnings From Cont. Operations, 1 Yr. Growth %	209.08	28.13	-123.04	-75.92	-1.9T
Net Income, 1 Yr. Growth %	213.84	28.56	-124.84	-70.69	-1.41T
Normalized Net Income, 1 Yr. Growth %	281.9	31.37	-145.17	-89.76	-2.06T
Diluted EPS Before Extra, 1 Yr. Growth %	213.84	28.56	-124.84	-72.45	-1.41T
Dividend Per Share, 1 Yr. Growth %	-	-5.78	-	-	-
Gross Loans, 1 Yr. Growth %	11.73	22.68	-4.16	6.83	17.43
Allowance For Loan Losses, 1 Yr. Growth %	-15.96	17.57	-3.85	-9.01	10.34
Net Loans, 1 Yr. Growth %	12.9	22.37	-6.16	7.57	17.71
Non Performing Loans, 1 Yr. Growth %	-16.49	14.95	23.77	5.87	-3.01
Non Performing Assets, 1 Yr. Growth %	-15.88	14.92	23.54	7.13	-2.35
Total Assets, 1 Yr. Growth %	11.92	20.6	-3.21	7.36	17.34
Total Deposits, 1 Yr Growth %	14.16	20.32	3.01	10.43	19.52
Tangible Book Value, 1 Yr. Growth %	14.29	15.18	-10.9	9.91	2.15
Average Interest Earning Assets, 1 Yr. Growth %	3.67	16.69	4.88	2.1	6.13
Average Interest Bearing Liabilities, 1 Yr. Growth %	2.76	19.04	8.93	0.31	5.93
Common Equity, 1 Yr. Growth %	12.1	14	-9.47	9.42	2.05
Total Equity, 1 Yr. Growth %	12.26	14.1	-9.46	9.54	16.62
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	5.71	8.18	11.46	-0.99	-1.45
Non Interest Income, 2 Yr. CAGR %	10.7	19.15	9.85	9	13.47
Provision For Loan Losses, 2 Yr. CAGR %	16.45	-9.42	33.89	22.8	-25.24
Total Revenues, 2 Yr. CAGR %	1.92	24.68	-4.1	-11.75	24.2
Earnings From Cont. Operations, 2 Yr. CAGR %	-7.81	99.01	-45.67	-76.45	108.24
Net Income, 2 Yr. CAGR %	-8.2	100.87	-43.49	-73.02	96.12
Normalized Net Income, 2 Yr. CAGR %	-4.51	123.99	-22.97	-78.49	41.78
Diluted EPS Before Extra, 2 Yr. CAGR %	-8.2	100.87	-43.49	-73.84	88.75
Dividend Per Share, 2 Yr. CAGR %	7.59	-	-	-	-
Gross Loans, 2 Yr. CAGR %	9.7	17.09	8.44	-5.24	12.01
Allowance For Loan Losses, 2 Yr. CAGR %	13.89	-0.6	6.32	-6.46	0.2
Net Loans, 2 Yr. CAGR %	10.2	17.55	7.16	0.47	12.53
Non Performing Loans, 2 Yr. CAGR %	10.95	-2.02	19.28	-11.54	1.34
Non Performing Assets, 2 Yr. CAGR %	10.6	-1.68	19.15	-10.08	2.28
Total Assets, 2 Yr. CAGR %	11.77	16.18	8.04	1.94	12.24
Total Deposits, 2 Yr CAGR %	14.79	17.2	11.33	6.66	14.89
Tangible Book Value, 2 Yr. CAGR %	7.14	14.73	1.3	-1.04	5.96
Average Interest Earning Assets, 2 Yr. CAGR %	10.62	9.98	10.63	3.48	4.1
Average Interest Bearing Liabilities, 2 Yr. CAGR %	11.11	10.6	13.87	4.53	3.08
Common Equity, 2 Yr. CAGR %	6.16	13.05	1.59	-0.47	5.67
Total Equity, 2 Yr. CAGR %	6.24	13.18	1.64	-0.41	13.03
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	7.92	9.75	7.11	5.06	0.66
Non Interest Income, 3 Yr. CAGR %	8.53	10.46	15.93	9.32	12.21
Provision For Loan Losses, 3 Yr. CAGR %	16.74	12.28	12.11	16.32	-1.36
Total Revenues, 3 Yr. CAGR %	4.09	8.78	4.89	-1.18	4.62
Earnings From Cont. Operations, 3 Yr. CAGR %	-3.39	2.88	-3.01	-58.57	-0.03
Net Income, 3 Yr. CAGR %	-3.76	2.7	0.07	-54.6	-1.51
Normalized Net Income, 3 Yr. CAGR %	-2.29	6.2	31.35	-60.68	-3.17
Diluted EPS Before Extra, 3 Yr. CAGR %	-3.76	2.7	0.07	-55.53	-4
Dividend Per Share, 3 Yr. CAGR %	8.47	2.94	-	-	-
Gross Loans, 3 Yr. CAGR %	9.89	13.88	9.53	3.28	1.79
Allowance For Loan Losses, 3 Yr. CAGR %	13.15	15.1	-1.69	0.94	-1.17
Net Loans, 3 Yr. CAGR %	10.4	14.12	9.05	7.29	5.92
Non Performing Loans, 3 Yr. CAGR %	8.85	12.27	5.91	-3.47	-8.78
Non Performing Assets, 3 Yr. CAGR %	8.81	12.02	6.1	-2.42	-7.57
Total Assets, 3 Yr. CAGR %	11.3	14.64	9.32	7.81	6.83
Total Deposits, 3 Yr CAGR %	14.01	16.6	12.27	11.03	10.78
Tangible Book Value, 3 Yr. CAGR %	8.92	9.75	5.46	4.09	0.01
Average Interest Earning Assets, 3 Yr. CAGR %	11.29	12.61	8.26	7.71	4.36
Average Interest Bearing Liabilities, 3 Yr. CAGR %	11.59	13.69	10.04	9.16	5
Common Equity, 3 Yr. CAGR %	7.66	8.71	4.98	4.14	0.36
Total Equity, 3 Yr. CAGR %	7.77	8.8	5.07	4.21	4.97
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	8.57	10.04	9.32	5.32	3.6
Non Interest Income, 5 Yr. CAGR %	4.7	7.22	9.06	9.87	14.94
Provision For Loan Losses, 5 Yr. CAGR %	21.74	11.77	23.32	16.37	-4.67
Total Revenues, 5 Yr. CAGR %	2.98	8.56	0.73	0.05	12.23
Earnings From Cont. Operations, 5 Yr. CAGR %	-6.07	4.72	-23.25	-42.95	31.67
Net Income, 5 Yr. CAGR %	-6.32	4.55	-22.22	-39.83	30.98
Normalized Net Income, 5 Yr. CAGR %	-5.72	6.38	-11.16	-43.93	35.42
Diluted EPS Before Extra, 5 Yr. CAGR %	-6.4	4.42	-22.22	-40.57	28.98
Dividend Per Share, 5 Yr. CAGR %	2.45	4.77	-	-	-
Gross Loans, 5 Yr. CAGR %	10.38	12.98	9.31	5.81	7.65
Allowance For Loan Losses, 5 Yr. CAGR %	26.21	22.3	10.37	5.94	-0.94
Net Loans, 5 Yr. CAGR %	9.74	12.81	9.1	8.45	10.43
Non Performing Loans, 5 Yr. CAGR %	24.45	14.31	12.91	2.06	-6.14
Non Performing Assets, 5 Yr. CAGR %	23.96	14.14	12.83	2.59	-5.26
Total Assets, 5 Yr. CAGR %	10.29	12.81	9.99	9.38	10.48
Total Deposits, 5 Yr CAGR %	11.07	13.92	12.93	12.52	13.31
Tangible Book Value, 5 Yr. CAGR %	8.46	9.5	5.81	5.3	5.66
Average Interest Earning Assets, 5 Yr. CAGR %	10.43	11.68	11.02	8.86	6.57
Average Interest Bearing Liabilities, 5 Yr. CAGR %	9.91	11.79	12.5	9.94	7.2
Common Equity, 5 Yr. CAGR %	7.24	8.32	5.19	4.94	5.25
Total Equity, 5 Yr. CAGR %	7.29	8.4	5.27	5.02	8.18