Cash flow Banco de Sabadell, S.A.

Stocks

SAB

ES0113860A34

Banks

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30e9bd19b37962727f745ee896c2ee._WaTYlYFNocI1bTt1oOjrWJMlqUp6ZvEOxlqygzE7Ow.tjygByZWfshO-Nabv9zM-1oAo_dI2u6Gb38Ji1aSoYGMKasLYjZx7Vjg-Q

Published financial data: BANCO DE SABADELL, S.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	373.5Cr	449.98Cr	777.12Cr	866.85Cr	568.77Cr
Interest Income On Investments	41Cr	49Cr	90Cr	105.12Cr	50Cr
Interest Income, Total	414.88Cr	499.12Cr	866.72Cr	971.98Cr	618.62Cr
Interest On Deposits	72Cr	118.99Cr	393.55Cr	469.21Cr	264.52Cr
Interest Expense, Total	72Cr	118.99Cr	393.55Cr	469.21Cr	264.52Cr
Net Interest Income	342.67Cr	380.13Cr	473.16Cr	502.77Cr	354.1Cr
Income From Trading Activities	-18Cr	20Cr	12Cr	-23Cr	65Cr
Gain (Loss) on Sale of Assets	-73.88L	-2.78Cr	-6Cr	-3.64Cr	-14.76L
Gain (Loss) on Sale of Invest. & Securities - (Rev)	2.75Cr	1.73Cr	2.77Cr	2.15Cr	60.12L
Income (Loss) on Equity Invest. (Income Block)	10Cr	12Cr	12Cr	16Cr	18Cr
Total Other Non Interest Income	133.72Cr	104.28Cr	85Cr	135.7Cr	49Cr
Non Interest Income, Total	127.4Cr	135.92Cr	106.31Cr	127.02Cr	131.33Cr
Revenues Before Provison For Loan Losses	470.07Cr	516.05Cr	579.47Cr	629.79Cr	485.43Cr
Provision For Loan Losses	64Cr	85Cr	81Cr	59Cr	44Cr
Total Revenues	406.44Cr	431.19Cr	498.54Cr	571.06Cr	441.05Cr
Salaries And Other Employee Benefits	147.46Cr	138.67Cr	146.2Cr	151.46Cr	120.36Cr
Amort. of Goodwill & Intang. Assets	-	-	-	-	-
Occupancy Expense	53Cr	55Cr	52Cr	50Cr	42Cr
Selling General & Admin Expenses, Total	88Cr	84Cr	89Cr	94Cr	54Cr
Total Other Non Interest Expense	12Cr	19Cr	13Cr	22Cr	15Cr
Non Interest Expense, Total	300.23Cr	295.82Cr	300.5Cr	317.08Cr	231.36Cr
EBT, Excl. Unusual Items	106.2Cr	135.38Cr	198.04Cr	253.98Cr	209.7Cr
Restructuring Charges	-30Cr	-	-2.64Cr	-1.03Cr	-
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-10Cr	-6.59Cr	-5.87Cr	-6.15Cr	-5.6Cr
Legal Settlements	-3.96Cr	-4.52Cr	-45.6L	4.59Cr	3.86Cr
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	62Cr	124.26Cr	189.08Cr	251.39Cr	207.95Cr
Income Tax Expense	8.13Cr	37Cr	56Cr	69Cr	69Cr
Earnings From Continuing Operations	54Cr	87Cr	133.36Cr	182.86Cr	139.41Cr
Earnings Of Discontinued Operations	-	-	-	-	38Cr
Net Income to Company	54Cr	87Cr	133.36Cr	182.86Cr	177.72Cr
Minority Interest	-84.69L	-1.07Cr	-14.22L	-18.21L	-18.05L
Net Income - (IS)	53Cr	86Cr	133.22Cr	182.68Cr	177.54Cr
Preferred Dividend and Other Adjustments	10Cr	11Cr	12Cr	9.82Cr	15Cr
Net Income to Common Incl Extra Items	43Cr	75Cr	121.68Cr	172.86Cr	162.98Cr
Net Income to Common Excl. Extra Items	43Cr	75Cr	121.68Cr	172.86Cr	124.67Cr
Per Share Items
Net EPS - Basic	0.08	0.13	0.23	0.32	0.32
Basic EPS - Continuing Operations	0.08	0.13	0.23	0.32	0.24
Basic Weighted Average Shares Outstanding	558.64Cr	559.39Cr	540.11Cr	537.65Cr	515.18Cr
Net EPS - Diluted	0.08	0.13	0.23	0.32	0.32
Diluted EPS - Continuing Operations	0.08	0.13	0.23	0.32	0.24
Diluted Weighted Average Shares Outstanding	558.64Cr	559.39Cr	540.11Cr	537.65Cr	515.18Cr
Normalized Basic EPS	0.12	0.15	0.23	0.29	0.25
Normalized Diluted EPS	0.12	0.15	0.23	0.29	0.25
Dividend Per Share	0.03	0.04	0.06	0.2	-
Payout Ratio	-	32.71	20.55	32.37	76.97
American Depositary Receipts Ratio (ADR)	2	2	2	2	2
Supplemental Items
Effective Tax Rate - (Ratio)	13.11	30.04	29.47	27.26	32.96
Total Current Taxes	13Cr	-	-	-	-
Total Deferred Taxes	-4.97Cr	-	-	-	-
Normalized Net Income	66Cr	84Cr	123.63Cr	158.55Cr	130.88Cr
Non-Cash Pension Expense	39.35L	31.71L	61.9L	43.44L	32.34L
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	39.62L	49.23L	61.91L	64.55L	52.69L
Total Stock-Based Compensation	39.62L	49.23L	61.91L	64.55L	52.69L

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	147.22Cr	202.36Cr	141.92Cr	127.65Cr	137.12Cr
Investment Securities, Total	2.28TCr	2.78TCr	2.84TCr	4.32TCr	4.48TCr
Trading Asset Securities, Total	249.3Cr	554.37Cr	456.35Cr	542.15Cr	355.56Cr
Total investments	2.53TCr	3.34TCr	3.3TCr	4.86TCr	4.83TCr
Gross Loans	17TCr	17TCr	16TCr	16TCr	12TCr
Allowance For Loan Losses	-330.2Cr	-302.03Cr	-319.9Cr	-284.75Cr	-235.51Cr
Other Adjustments to Gross Loans	-15Cr	-18Cr	-24Cr	-24Cr	-21Cr
Net Loans	16TCr	16TCr	16TCr	16TCr	12TCr
Gross Property Plant And Equipment	410.36Cr	403.68Cr	388.51Cr	390.61Cr	340.78Cr
Accumulated Depreciation	-170.61Cr	-175.48Cr	-181.8Cr	-198.56Cr	-180.89Cr
Net Property Plant And Equipment	239.75Cr	228.2Cr	206.71Cr	192.05Cr	159.89Cr
Goodwill	102.65Cr	102.68Cr	101.83Cr	101.83Cr	102.68Cr
Other Intangibles, Total	155.5Cr	145.74Cr	146.48Cr	153.11Cr	146.65Cr
Investment in Real Estate	38Cr	30Cr	23Cr	16Cr	13Cr
Accrued Interest Receivable	5.8Cr	5.16Cr	7.19Cr	9.32Cr	9.49Cr
Other Receivables	32Cr	21Cr	45Cr	54Cr	48Cr
Restricted Cash	4.77TCr	3.92TCr	2.86TCr	1.71TCr	1.1TCr
Other Current Assets, Total	35Cr	29Cr	31Cr	30Cr	5.22TCr
Deferred Tax Assets Long-Term (Collected)	670.75Cr	664.45Cr	638.55Cr	589.99Cr	560.7Cr
Other Real Estate Owned And Foreclosed	57Cr	54Cr	53Cr	46Cr	43Cr
Other Long-Term Assets, Total	48Cr	39Cr	37Cr	38Cr	28Cr
Total Assets	25TCr	25TCr	24TCr	24TCr	25TCr
Liabilities
Accrued Expenses, Total	-	-	-	48Cr	37Cr
Interest Bearing Deposits	5.53TCr	4.68TCr	3.78TCr	3.52TCr	2.57TCr
Non-Interest Bearing Deposits	15TCr	15TCr	13TCr	14TCr	11TCr
Total Deposits	20TCr	19TCr	17TCr	17TCr	14TCr
Short-Term Borrowings	774.05Cr	1.31TCr	1.57TCr	1.54TCr	2.06TCr
Long-Term Debt	2.21TCr	2.25TCr	2.5TCr	2.75TCr	1.98TCr
Long-Term Leases	103.73Cr	97Cr	95Cr	93Cr	71Cr
Current Income Taxes Payable	8.12Cr	11Cr	22Cr	9.82Cr	19Cr
Other Current Liabilities - (Bank / Utility Template)	294.3Cr	457.95Cr	486.91Cr	479.67Cr	5.3TCr
Pension & Other Post Retirement Benefits	8.6Cr	6.34Cr	5.83Cr	5.45Cr	4.99Cr
Deferred Tax Liability Non-Current	12Cr	11Cr	11Cr	12Cr	12Cr
Other Non Current Liabilities	175.76Cr	207.2Cr	229.8Cr	167.58Cr	122.58Cr
Total Liabilities	24TCr	24TCr	22TCr	22TCr	23TCr
Common Stock, Total	70Cr	70Cr	68Cr	68Cr	63Cr
Additional Paid In Capital	789.92Cr	789.92Cr	769.52Cr	769.52Cr	660.04Cr
Retained Earnings	597.14Cr	660.61Cr	757.19Cr	877.14Cr	921.44Cr
Treasury Stock	-3.45Cr	-2.38Cr	-3.96Cr	-12Cr	-2.59Cr
Comprehensive Income and Other	-156.82Cr	-199.49Cr	-206.25Cr	-202.92Cr	-236.98Cr
Total Common Equity	1.3TCr	1.32TCr	1.38TCr	1.5TCr	1.4TCr
Minority Interest	2.5Cr	3.43Cr	3.42Cr	3.44Cr	3.46Cr
Total Equity	1.3TCr	1.32TCr	1.39TCr	1.5TCr	1.41TCr
Total Liabilities And Equity	25TCr	25TCr	24TCr	24TCr	25TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	558.63Cr	560.22Cr	540.3Cr	536.14Cr	497.23Cr
ECS Total Common Shares Outstanding	558.63Cr	560.22Cr	540.3Cr	536.14Cr	497.23Cr
Book Value / Share	2.32	2.35	2.56	2.8	2.83
Tangible Book Value	1.04TCr	1.07TCr	1.14TCr	1.24TCr	1.16TCr
Tangible Book Value Per Share	1.86	1.91	2.1	2.32	2.32
Tangible Book Value Per Share (As Reported)	1.92	2.03	2.2	2.39	2.4
Average Assets	25TCr	26TCr	25TCr	24TCr	25TCr
Average Loans	15TCr	16TCr	15TCr	15TCr	16TCr
Total Debt	3.09TCr	3.65TCr	4.17TCr	4.38TCr	4.11TCr
Deposits at Interest - Cash	4.77TCr	3.92TCr	2.86TCr	1.71TCr	1.1TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	8.67Cr	6.36Cr	5.84Cr	5.45Cr	5Cr
Net Debt	2.69TCr	2.89TCr	3.57TCr	2.59TCr	2.5TCr
Equity Method Investments, Total	64Cr	52Cr	46Cr	52Cr	48Cr
Full Time Employees	19.88T	18.71T	19.15T	18.58T	18.48T
Number Of Offices	1.59T	1.46T	1.42T	1.35T	1.34T
Assets on Operating Lease - Gross	53.79L	2.09Cr	2.28Cr	1.54Cr	-
Assets on Operating Lease - Accumulated Depreciation	-25.87L	-1.16Cr	-1.38Cr	-1.18Cr	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	53Cr	86Cr	133.22Cr	182.68Cr	177.54Cr
Depreciation, Depletion & Amortization	30Cr	29Cr	26Cr	25Cr	29Cr
Amortization of Goodwill and Intangible Assets - (CF)	23Cr	26Cr	26Cr	25Cr	22Cr
Total Depreciation, Depletion & Amortization	53Cr	55Cr	52Cr	50Cr	52Cr
Change in Trading Asset Securities	53Cr	-113.14Cr	88Cr	-83Cr	-4.94Cr
Change in Other Net Operating Assets (Collected)	949.99Cr	-815.25Cr	-1.42TCr	-1.35TCr	-129.43Cr
Other Operating Activities	125.69Cr	125.23Cr	99Cr	90Cr	73Cr
Cash from Operations	1.23TCr	-662.79Cr	-1.05TCr	-1.11TCr	167.8Cr
Capital Expenditure	-23Cr	-24Cr	-24Cr	-20Cr	-30Cr
Sale of Property, Plant, and Equipment	44Cr	9.65Cr	12Cr	12Cr	5.22Cr
Cash Acquisitions	-	-	-	-	-27.84L
Divestitures	-	-	-	-	-
Purchase / Sale of Intangible Assets	-28Cr	-19Cr	-30Cr	-35Cr	-31Cr
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	5.92Cr	21Cr	2.73Cr	10Cr	22Cr
Other Investing Activities, Total	42Cr	6.37Cr	22Cr	8.09Cr	11Cr
Cash from Investing	42Cr	-6.48Cr	-16Cr	-25Cr	-24Cr
Long-Term Debt Issued, Total	175Cr	-	100Cr	50Cr	100Cr
Total Debt Issued	175Cr	-	100Cr	50Cr	100Cr
Long-Term Debt Repaid, Total	-44Cr	-75Cr	-90Cr	-	-80Cr
Total Debt Repaid	-44Cr	-75Cr	-90Cr	-	-80Cr
Issuance of Common Stock	6.83Cr	10Cr	5.98Cr	3.54Cr	3.57Cr
Repurchase of Common Stock	-6.44Cr	-8.65Cr	-28Cr	-11Cr	-103.57Cr
Common Dividends Paid	-	-28Cr	-27Cr	-59Cr	-136.66Cr
Common & Preferred Stock Dividends Paid	-	-28Cr	-27Cr	-59Cr	-136.66Cr
Other Financing Activities, Total	-22Cr	-22Cr	-23Cr	-21Cr	-25Cr
Cash from Financing	109.53Cr	-123.69Cr	-62Cr	-38Cr	-241.92Cr
Foreign Exchange Rate Adjustments	17Cr	-2.32Cr	2.88Cr	9.59Cr	-20Cr
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	1.4TCr	-795.28Cr	-1.13TCr	-1.16TCr	-117.61Cr
Supplemental Items
Cash Interest Paid	-	-	-	-	-
Cash Income Tax Paid (Refund)	-7.43Cr	6.75Cr	41Cr	38Cr	49Cr
Net Debt Issued / Repaid	130.65Cr	-75Cr	10Cr	50Cr	20Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.22	0.35	0.55	0.77	0.57
Return On Equity %	4.23	6.63	9.89	12.65	9.58
Return on Common Equity	3.38	5.72	9.05	11.99	8.58
Shareholders Value Added	-58Cr	-45Cr	-86.56L	35Cr	25Cr
Margin Analysis
SG&A Margin	70.83	64.2	57.62	51.68	49.12
Net Interest Income / Total Revenues %	84.31	88.16	94.91	88.04	80.28
EBT Excl. Non-Recurring Items Margin %	26.13	31.4	39.72	44.47	47.54
Income From Continuing Operations Margin %	13.25	20.16	26.75	32.02	31.61
Net Income Margin %	13.05	19.91	26.72	31.99	40.25
Net Avail. For Common Margin %	10.57	17.35	24.41	30.27	28.27
Normalized Net Income Margin	16.12	19.37	24.8	27.76	29.67
Asset quality
Nonperforming Loans / Total Loans %	3.41	3.27	3.36	2.81	2.68
Nonperforming Loans / Total Assets %	2.26	2.17	2.33	1.92	1.35
Nonperforming Assets / Total Assets %	2.49	2.37	2.51	2.07	1.5
NPAs / Loans and OREO	3.74	3.57	3.62	3.03	2.97
NPAs / Equity	48.25	45.13	42.59	33.07	26.2
Allowance for Credit Losses / Nonperforming Loans %	57.95	55.31	58.46	61.97	70.86
Allowance for Credit Losses / Total Loans %	1.98	1.81	1.97	1.74	1.9
Earning Assets / IBL	102.8	103.05	103.51	103.89	103.84
Interest Income / Average Assets	1.69	1.94	3.54	4.01	2.52
Interest Expense / Average Assets	0.29	0.46	1.61	1.94	1.08
Net Interest Income / Average Assets	1.4	1.48	1.93	2.08	1.44
Non Interest Income / Average Assets	0.52	0.53	0.43	0.52	0.54
Non Interest Expense / Average Asset	1.22	1.15	1.23	1.31	0.94
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.21	5.2	5.53	6.08	5.99
Total Average Equity / Total Average Assets %	5.23	5.21	5.54	6.09	6
Total Equity + Allowance for Loan Losses / Total Loans %	9.74	9.72	10.47	10.92	13.23
Gross Loans / Total Deposits %	82.27	85.64	94.59	94.17	91.65
Net Loans / Total Deposits %	80.57	84	92.59	92.39	89.75
Tier 1 Capital Ratio %	15.47	14.75	15.42	15.19	16.59
Total Capital Ratio %	17.98	17.08	17.76	17.6	18.23
Core Tier 1 Capital Ratio	12.5	12.67	13.19	13.02	13.16
Tier 2 Capital Ratio	2.51	2.33	2.33	2.42	1.64
Coverage Ratio	57.95	55.31	58.46	61.97	70.86
Interbank Ratio	69.66	41.33	50.55	86.17	60.1
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.86	2.04	1.48	1.54	1.79
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	0.78	10.93	24.47	6.26	-6.02
Non Interest Income, 1 Yr. Growth %	-0.2	6.68	-23.52	19.48	11.96
Provision For Loan Losses, 1 Yr. Growth %	-37.43	33.35	-4.63	-27.43	-19.26
Total Revenues, 1 Yr. Growth %	11.06	6.09	14.8	14.55	0.44
Earnings From Cont. Operations, 1 Yr. Growth %	17.8T	61.38	48.16	37.12	-5.27
Net Income, 1 Yr. Growth %	26.39T	61.94	49.79	37.13	-2.81
Normalized Net Income, 1 Yr. Growth %	254.36	27.48	44.67	28.25	3.21
Diluted EPS Before Extra, 1 Yr. Growth %	-702.82	69.03	61.77	42.04	-3.2
Dividend Per Share, 1 Yr. Growth %	-	33.33	50	240.67	-
Gross Loans, 1 Yr. Growth %	4.69	-0.2	-2.39	3.96	-24.13
Allowance For Loan Losses, 1 Yr. Growth %	7.16	-8.53	5.92	-11.07	-17.29
Net Loans, 1 Yr. Growth %	4.66	-0.05	-2.58	4.28	-24.27
Non Performing Loans, 1 Yr. Growth %	7.11	-4.17	0.21	-16.03	-27.67
Non Performing Assets, 1 Yr. Growth %	4.91	-4.83	-0.96	-15.9	-26.34
Total Assets, 1 Yr. Growth %	6.86	-0.23	-6.4	1.88	2.42
Total Deposits, 1 Yr Growth %	9.85	-4.13	-11.62	0.83	-22.05
Tangible Book Value, 1 Yr. Growth %	5.76	3.04	7.52	9.56	-7.13
Average Interest Earning Assets, 1 Yr. Growth %	8.08	5.39	-4.8	-1.29	1.23
Average Interest Bearing Liabilities, 1 Yr. Growth %	8.27	5.12	-5.27	-1.66	1.29
Common Equity, 1 Yr. Growth %	4.44	1.69	6.08	8.33	-6.34
Total Equity, 1 Yr. Growth %	4.04	1.76	6.06	8.31	-6.33
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-2.8	5.74	17.51	15.01	-13.49
Non Interest Income, 2 Yr. CAGR %	1.72	3.18	-8.65	-4.4	11.15
Provision For Loan Losses, 2 Yr. CAGR %	2.52	-8.66	12.77	-16.81	-25.95
Total Revenues, 2 Yr. CAGR %	-2.24	8.55	10.75	14.67	-5.94
Earnings From Cont. Operations, 2 Yr. CAGR %	-16.73	1.6T	57.34	42.53	2.24
Net Income, 2 Yr. CAGR %	-16.9	1.97T	58.51	43.32	15.44
Normalized Net Income, 2 Yr. CAGR %	-0.97	112.54	37.36	36.21	2.89
Diluted EPS Before Extra, 2 Yr. CAGR %	-21.69	219.21	71.15	51.59	3.64
Dividend Per Share, 2 Yr. CAGR %	-13.4	-	41.42	126.05	-
Gross Loans, 2 Yr. CAGR %	0.6	2.22	-1.3	-1.01	-11.19
Allowance For Loan Losses, 2 Yr. CAGR %	6.1	-1	-1.57	-2.9	-14.24
Net Loans, 2 Yr. CAGR %	0.51	2.28	-1.32	-0.99	-11.13
Non Performing Loans, 2 Yr. CAGR %	-1.92	1.31	-2	-8.27	-22.06
Non Performing Assets, 2 Yr. CAGR %	-2.49	-0.08	-2.92	-8.74	-21
Total Assets, 2 Yr. CAGR %	6.11	3.26	-3.39	-2.34	2.15
Total Deposits, 2 Yr CAGR %	9.74	2.62	-7.95	-5.6	-11.34
Tangible Book Value, 2 Yr. CAGR %	0.24	4.39	4.57	8.54	0.84
Average Interest Earning Assets, 2 Yr. CAGR %	4.92	6.72	0.14	-3.06	-0.04
Average Interest Bearing Liabilities, 2 Yr. CAGR %	5.05	6.68	-0.21	-3.48	-0.19
Common Equity, 2 Yr. CAGR %	0.26	3.05	3.31	7.2	0.73
Total Equity, 2 Yr. CAGR %	0.08	2.89	3.34	7.18	0.73
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-2.38	1.58	11.64	13.63	-2.34
Non Interest Income, 3 Yr. CAGR %	-2.42	3.35	-5.92	-0.1	-1.87
Provision For Loan Losses, 3 Yr. CAGR %	-8.46	11.91	-7.34	-2.64	-19.44
Total Revenues, 3 Yr. CAGR %	-1.28	0.46	10.85	12	0.52
Earnings From Cont. Operations, 3 Yr. CAGR %	17.13	3.82	662.35	50.29	15.7
Net Income, 3 Yr. CAGR %	17.35	3.8	773.04	51.03	25.91
Normalized Net Income, 3 Yr. CAGR %	12.06	7.73	88.39	34.25	15.27
Diluted EPS Before Extra, 3 Yr. CAGR %	15.63	1.2	160.4	60.84	20.22
Dividend Per Share, 3 Yr. CAGR %	0	0	-	89.58	-
Gross Loans, 3 Yr. CAGR %	2.72	0.33	0.66	-0.74	-9.41
Allowance For Loan Losses, 3 Yr. CAGR %	-1.29	0.98	1.26	-4.82	-7.96
Net Loans, 3 Yr. CAGR %	2.78	0.33	0.63	-0.68	-9.45
Non Performing Loans, 3 Yr. CAGR %	-4.16	-2.67	0.95	-6.92	-15.25
Non Performing Assets, 3 Yr. CAGR %	-15.64	-3.28	-0.37	-7.45	-14.82
Total Assets, 3 Yr. CAGR %	4.26	3.96	-0.08	-1.66	-0.78
Total Deposits, 3 Yr CAGR %	6.61	4.91	-2.36	-5.11	-11.43
Tangible Book Value, 3 Yr. CAGR %	2.7	1.17	4.97	6.21	3.02
Average Interest Earning Assets, 3 Yr. CAGR %	4.07	5.08	2.72	-0.34	-1.65
Average Interest Bearing Liabilities, 3 Yr. CAGR %	4.32	5.08	2.54	-0.69	-1.92
Common Equity, 3 Yr. CAGR %	2.48	0.73	3.69	4.96	2.48
Total Equity, 3 Yr. CAGR %	2.36	0.64	3.57	4.97	2.47
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-2.29	-0.04	5.14	6.75	0.82
Non Interest Income, 5 Yr. CAGR %	0.56	-8.89	-4.96	0.63	0.57
Provision For Loan Losses, 5 Yr. CAGR %	7.59	-6.23	-0.49	-0.61	-15.29
Total Revenues, 5 Yr. CAGR %	-2.64	-2.14	3.37	6.07	3.8
Earnings From Cont. Operations, 5 Yr. CAGR %	-5.53	1.55	31.81	18.67	241.31
Net Income, 5 Yr. CAGR %	-5.68	1.39	32.35	18.93	288.66
Normalized Net Income, 5 Yr. CAGR %	-1.78	3.04	21.56	18.87	47.9
Diluted EPS Before Extra, 5 Yr. CAGR %	-9.97	-1.42	35.27	20.6	80.14
Dividend Per Share, 5 Yr. CAGR %	-9.71	-10.59	14.87	38.57	-
Gross Loans, 5 Yr. CAGR %	1.55	1.73	1.1	-0.21	-4.93
Allowance For Loan Losses, 5 Yr. CAGR %	-7.67	-4.12	-1.4	-0.59	-5.23
Net Loans, 5 Yr. CAGR %	1.83	1.88	1.12	-0.2	-4.93
Non Performing Loans, 5 Yr. CAGR %	-9.99	-7.04	-3.3	-4.95	-8.98
Non Performing Assets, 5 Yr. CAGR %	-11.68	-10.15	-10.76	-5.5	-9.2
Total Assets, 5 Yr. CAGR %	3.46	2.58	1.13	1.38	0.8
Total Deposits, 5 Yr CAGR %	6.52	3.95	0.53	0.57	-6.06
Tangible Book Value, 5 Yr. CAGR %	-0.95	-0.39	3.44	3.78	3.3
Average Interest Earning Assets, 5 Yr. CAGR %	3.51	3.81	2.48	1.73	1.61
Average Interest Bearing Liabilities, 5 Yr. CAGR %	3.77	3.97	2.49	1.57	1.44
Common Equity, 5 Yr. CAGR %	-0.1	0.04	2.81	3.05	2.49
Total Equity, 5 Yr. CAGR %	-0.13	0	2.75	2.99	2.43