Financial Ratios Banco Santander, S.A.

Stocks

SAN

ES0113900J37

Banks

Market Closed - BME Other stock markets 09:11:34 15/07/2026 pm IST			5-day change	1st Jan Change
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15/07	BofA Revises Price Objective, Estimates for Banco Santander Amid Expectations of 'Solid' Q2 Results	MT
14/07	CPI Brings Relief, but Oil Is Back in Charge

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Published financial data: BANCO SANTANDER, S.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	4.05TCr	5.92TCr	7.77TCr	8.43TCr	7.62TCr
Interest Income On Investments	650.5Cr	1.27TCr	2.81TCr	2.91TCr	2.62TCr
Interest Income, Total	4.7TCr	7.19TCr	11TCr	11TCr	10TCr
Interest On Deposits	1.31TCr	3.28TCr	6.2TCr	6.61TCr	5.94TCr
Interest Expense, Total	1.31TCr	3.28TCr	6.2TCr	6.61TCr	5.94TCr
Net Interest Income	3.39TCr	3.91TCr	4.38TCr	4.74TCr	4.31TCr
Income From Trading Activities	114.1Cr	84Cr	232.2Cr	145.9Cr	101.7Cr
Gain (Loss) on Sale of Loans	8.9Cr	3.4Cr	-30L	-19Cr	-8.9Cr
Gain (Loss) on Sale of Assets	1Cr	1.9Cr	29Cr	34Cr	23Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	92Cr	123.8Cr	17Cr	126.2Cr	99Cr
Income (Loss) on Equity Invest. (Income Block)	43Cr	70Cr	61Cr	71Cr	66Cr
Total Other Non Interest Income	991.8Cr	1.02TCr	1.04TCr	1.25TCr	1.35TCr
Non Interest Income, Total	1.25TCr	1.3TCr	1.38TCr	1.61TCr	1.63TCr
Revenues Before Provison For Loan Losses	4.64TCr	5.21TCr	5.77TCr	6.34TCr	5.94TCr
Provision For Loan Losses	738.8Cr	1.09TCr	1.29TCr	1.26TCr	1.25TCr
Total Revenues	3.9TCr	4.13TCr	4.48TCr	5.08TCr	4.68TCr
Salaries And Other Employee Benefits	1.12TCr	1.25TCr	1.37TCr	1.43TCr	1.36TCr
Amort. of Goodwill & Intang. Assets	-	-	-	-	-
Occupancy Expense	275.6Cr	298.5Cr	318.4Cr	329.4Cr	317.8Cr
Selling General & Admin Expenses, Total	688.5Cr	781.2Cr	794.5Cr	785.6Cr	735.7Cr
Total Other Non Interest Expense	285.2Cr	246.4Cr	327.6Cr	445Cr	328.2Cr
Non Interest Expense, Total	2.37TCr	2.58TCr	2.81TCr	2.99TCr	2.74TCr
EBT, Excl. Unusual Items	1.53TCr	1.55TCr	1.66TCr	2.09TCr	1.94TCr
Restructuring Charges	-53Cr	-	-	-	-
Impairment of Goodwill	-60L	-	-2Cr	-40L	-40L
Asset Writedown	-22Cr	-22Cr	-19Cr	-61Cr	-24Cr
Other Unusual Items	-	-	3.9Cr	-122.5Cr	-46Cr
EBT, Incl. Unusual Items	1.45TCr	1.52TCr	1.65TCr	1.9TCr	1.87TCr
Income Tax Expense	489.4Cr	448.6Cr	427.6Cr	528.3Cr	472.3Cr
Earnings From Continuing Operations	965.3Cr	1.08TCr	1.22TCr	1.37TCr	1.4TCr
Earnings Of Discontinued Operations	-	-	-	-	154.2Cr
Net Income to Company	965.3Cr	1.08TCr	1.22TCr	1.37TCr	1.55TCr
Minority Interest	-152.9Cr	-115.9Cr	-110.7Cr	-117Cr	-139.9Cr
Net Income - (IS)	812.4Cr	960.5Cr	1.11TCr	1.26TCr	1.41TCr
Preferred Dividend and Other Adjustments	57Cr	53Cr	49Cr	62Cr	62Cr
Net Income to Common Incl Extra Items	755.8Cr	907.6Cr	1.06TCr	1.2TCr	1.35TCr
Net Income to Common Excl. Extra Items	755.8Cr	907.6Cr	1.06TCr	1.2TCr	1.19TCr
Per Share Items
Net EPS - Basic	0.44	0.54	0.65	0.77	0.91
Basic EPS - Continuing Operations	0.44	0.54	0.65	0.77	0.8
Basic Weighted Average Shares Outstanding	1.73TCr	1.68TCr	1.62TCr	1.55TCr	1.49TCr
Net EPS - Diluted	0.44	0.54	0.65	0.77	0.9
Diluted EPS - Continuing Operations	0.44	0.54	0.65	0.77	0.8
Diluted Weighted Average Shares Outstanding	1.73TCr	1.69TCr	1.62TCr	1.56TCr	1.5TCr
Normalized Basic EPS	0.47	0.5	0.57	0.77	0.72
Normalized Diluted EPS	0.46	0.5	0.57	0.76	0.72
Dividend Per Share	0.1	0.12	0.18	0.21	0.24
Payout Ratio	16.16	19.24	20.41	23.99	23.69
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	33.64	29.42	25.98	27.77	25.28
Total Current Taxes	379.9Cr	427.2Cr	556.8Cr	485.5Cr	566.6Cr
Total Deferred Taxes	109.5Cr	21Cr	-129.2Cr	43Cr	-54Cr
Normalized Net Income	803.22Cr	850.66Cr	928.61Cr	1.19TCr	1.07TCr
Non-Cash Pension Expense	13Cr	13Cr	29Cr	42Cr	47Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	21TCr	22TCr	22TCr	19TCr	15TCr
Investment Securities, Total	18TCr	21TCr	24TCr	22TCr	22TCr
Trading Asset Securities, Total	14TCr	17TCr	19TCr	24TCr	26TCr
Total investments	32TCr	37TCr	43TCr	46TCr	48TCr
Gross Loans	1LCr	1,06500Cr	1,07400Cr	1,11600Cr	1,09800Cr
Allowance For Loan Losses	-2.3TCr	-2.27TCr	-2.28TCr	-2.21TCr	-2.12TCr
Net Loans	98TCr	1,04200Cr	1,05200Cr	1,09400Cr	1,07700Cr
Gross Property Plant And Equipment	4.96TCr	5.15TCr	5.13TCr	4.86TCr	4.28TCr
Accumulated Depreciation	-1.73TCr	-1.85TCr	-1.84TCr	-1.74TCr	-1.64TCr
Net Property Plant And Equipment	3.23TCr	3.3TCr	3.29TCr	3.12TCr	2.64TCr
Goodwill	1.27TCr	1.37TCr	1.4TCr	1.34TCr	1.2TCr
Other Intangibles, Total	387.1Cr	490.4Cr	585.4Cr	582.1Cr	535Cr
Investment in Real Estate	98Cr	102.9Cr	96Cr	88Cr	102.2Cr
Other Receivables	575.6Cr	920Cr	1.06TCr	1.14TCr	1.11TCr
Other Current Assets, Total	305.4Cr	336.6Cr	315.9Cr	440.3Cr	7.57TCr
Deferred Tax Assets Long-Term (Collected)	1.94TCr	2.08TCr	2.08TCr	1.92TCr	1.89TCr
Other Real Estate Owned And Foreclosed	365.1Cr	310.1Cr	277.3Cr	262.1Cr	248.7Cr
Other Long-Term Assets, Total	626.2Cr	737.6Cr	617.5Cr	575.9Cr	581.4Cr
Total Assets	1,59600Cr	1,73500Cr	1,79700Cr	1,83700Cr	1,86800Cr
Liabilities
Accounts Payable, Total	147.5Cr	156.3Cr	178.3Cr	145.2Cr	145.2Cr
Accrued Expenses, Total	910Cr	1.05TCr	1.19TCr	1.17TCr	973.8Cr
Interest Bearing Deposits	39TCr	44TCr	46TCr	45TCr	41TCr
Non-Interest Bearing Deposits	71TCr	72TCr	70TCr	71TCr	69TCr
Total Deposits	1,10600Cr	1,16200Cr	1,16000Cr	1,15500Cr	1,10300Cr
Short-Term Borrowings	5.96TCr	7.43TCr	5.86TCr	6.27TCr	5.65TCr
Current Portion of Long-Term Debt	6.19TCr	8.19TCr	9.34TCr	8.55TCr	8.96TCr
Current Portion of Leases	69Cr	71Cr	59Cr	53Cr	47Cr
Long-Term Debt	18TCr	20TCr	22TCr	24TCr	23TCr
Long-Term Leases	216.6Cr	191.5Cr	181.4Cr	167.6Cr	135.6Cr
Current Income Taxes Payable	218.7Cr	304Cr	384.6Cr	332.2Cr	366.4Cr
Other Current Liabilities - (Bank / Utility Template)	3.24TCr	5.77TCr	7.87TCr	10TCr	19TCr
Unearned Revenue Non Current	5.6Cr	6.5Cr	-	-	-
Pension & Other Post Retirement Benefits	442.7Cr	334.2Cr	310.5Cr	264.6Cr	264.9Cr
Deferred Tax Liability Non-Current	646.2Cr	642.8Cr	608.6Cr	627.6Cr	590.4Cr
Other Non Current Liabilities	2.82TCr	3.47TCr	5.76TCr	5.64TCr	5.48TCr
Total Liabilities	1,49900Cr	1,63700Cr	1,69300Cr	1,73000Cr	1,75500Cr
Common Stock, Total	867Cr	839.7Cr	809.2Cr	757.6Cr	734.5Cr
Additional Paid In Capital	4.8TCr	4.63TCr	4.44TCr	4.01TCr	3.68TCr
Retained Earnings	6.15TCr	6.83TCr	7.64TCr	8.56TCr	9.52TCr
Treasury Stock	-89Cr	-68Cr	-107.8Cr	-6.8Cr	-9.6Cr
Comprehensive Income and Other	-3.03TCr	-3.32TCr	-3.23TCr	-3.45TCr	-3.61TCr
Total Common Equity	8.69TCr	8.91TCr	9.54TCr	9.86TCr	10TCr
Minority Interest	1.01TCr	848.1Cr	881.8Cr	872.6Cr	957.8Cr
Total Equity	9.71TCr	9.76TCr	10TCr	11TCr	11TCr
Total Liabilities And Equity	1,59600Cr	1,73500Cr	1,79700Cr	1,83700Cr	1,86800Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.71TCr	1.66TCr	1.59TCr	1.51TCr	1.47TCr
ECS Total Common Shares Outstanding	1.71TCr	1.66TCr	1.59TCr	1.51TCr	1.47TCr
Book Value / Share	5.09	5.38	6.01	6.51	7.03
Tangible Book Value	7.03TCr	7.05TCr	7.56TCr	7.93TCr	8.59TCr
Tangible Book Value Per Share	4.12	4.26	4.76	5.24	5.85
Tangible Book Value Per Share (As Reported)	4.12	4.26	4.76	5.24	5.76
Average Assets	1,56400Cr	1,72000Cr	1,77300Cr	1,80300Cr	1,84300Cr
Average Loans	94TCr	1,03100Cr	1,03700Cr	1,05300Cr	1,02300Cr
Total Debt	31TCr	36TCr	37TCr	39TCr	38TCr
Deposits at Interest - Cash	20TCr	21TCr	21TCr	18TCr	14TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	186.1Cr	119.7Cr	151Cr	141.6Cr	153.9Cr
Net Debt	-7.09TCr	-7.22TCr	-8.31TCr	-4.2TCr	-3.1TCr
Equity Method Investments, Total	752.5Cr	761.5Cr	764.6Cr	727.7Cr	705.2Cr
Full Time Employees	2L	2L	2L	2L	2L
Part Time Employees	11.28T	11.12T	7.13T	6.8T	6.16T
Number Of Offices	9.88T	9.02T	8.52T	8.01T	7.12T
Assets on Operating Lease - Gross	2.43TCr	2.51TCr	2.53TCr	2.34TCr	1.9TCr
Assets on Operating Lease - Accumulated Depreciation	-523.8Cr	-557.8Cr	-578.2Cr	-478.4Cr	-427.3Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	812.4Cr	960.5Cr	1.11TCr	1.26TCr	1.41TCr
Depreciation, Depletion & Amortization	174.3Cr	183.4Cr	175.5Cr	161.1Cr	133.1Cr
Amortization of Goodwill and Intangible Assets - (CF)	9.1Cr	13Cr	14Cr	14Cr	13Cr
Total Depreciation, Depletion & Amortization	183.4Cr	196.1Cr	189Cr	174.8Cr	146.3Cr
Amortization of Deferred Charges, Total	92Cr	102.4Cr	129.4Cr	154.6Cr	171.5Cr
Change in Trading Asset Securities	3.98TCr	-139.6Cr	-1.47TCr	-7.08TCr	-1.92TCr
Change in Other Net Operating Assets (Collected)	-1.01TCr	-13Cr	-1.42TCr	1.05TCr	-3.75TCr
Other Operating Activities	1.61TCr	1.66TCr	1.97TCr	2.04TCr	2.46TCr
Cash from Operations	5.67TCr	2.77TCr	501.5Cr	-2.42TCr	-1.48TCr
Capital Expenditure	-1TCr	-906.6Cr	-1.14TCr	-849.4Cr	-585.4Cr
Sale of Property, Plant, and Equipment	727.6Cr	661.1Cr	799.1Cr	695.4Cr	765.6Cr
Cash Acquisitions	-14Cr	-78Cr	-127.4Cr	-7.1Cr	-19Cr
Divestitures	60L	73Cr	88Cr	80L	5.4Cr
Purchase / Sale of Intangible Assets	-138.8Cr	-177.4Cr	-219.7Cr	-210.4Cr	-180.5Cr
Investment in Marketable and Equity Securities, Total	55Cr	38Cr	68Cr	-50L	67Cr
Other Investing Activities, Total	-	-	-	-	-
Cash from Investing	-371.5Cr	-389.8Cr	-536.6Cr	-371.2Cr	53Cr
Long-Term Debt Issued, Total	534Cr	12Cr	700.7Cr	700.1Cr	228.7Cr
Total Debt Issued	534Cr	12Cr	700.7Cr	700.1Cr	228.7Cr
Long-Term Debt Repaid, Total	-268.4Cr	-229.1Cr	-293.1Cr	-409.6Cr	-882.2Cr
Total Debt Repaid	-268.4Cr	-229.1Cr	-293.1Cr	-409.6Cr	-882.2Cr
Issuance of Common Stock	85Cr	57Cr	82Cr	76Cr	82Cr
Repurchase of Common Stock	-164.5Cr	-205Cr	-310.9Cr	-478.9Cr	-408.1Cr
Common Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-131.3Cr	-184.8Cr	-226.1Cr	-301.7Cr	-334.1Cr
Common & Preferred Stock Dividends Paid	-131.3Cr	-184.8Cr	-226.1Cr	-301.7Cr	-334.1Cr
Other Financing Activities, Total	-187.4Cr	-446.7Cr	-158.9Cr	-137.4Cr	-106.1Cr
Cash from Financing	-132.2Cr	-996.4Cr	-205.8Cr	-551Cr	-1.42TCr
Foreign Exchange Rate Adjustments	519.6Cr	-146Cr	-32Cr	524.3Cr	-890.8Cr
Net Change in Cash	5.68TCr	1.24TCr	-273.1Cr	-2.81TCr	-3.74TCr
Supplemental Items
Cash Interest Paid	-	-	-	6.11TCr	5.77TCr
Cash Income Tax Paid (Refund)	401.2Cr	549.8Cr	521.4Cr	588Cr	495.4Cr
Net Debt Issued / Repaid	265.6Cr	-217.2Cr	407.6Cr	290.5Cr	-653.5Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.62	0.65	0.69	0.76	0.75
Return On Equity %	10.25	11.06	12.07	12.99	12.68
Return on Common Equity	8.98	10.31	11.47	12.32	11.83
Shareholders Value Added	-155.81Cr	-83Cr	14Cr	106.96Cr	212.67Cr
Margin Analysis
SG&A Margin	53.47	56.56	55.53	50.16	51.6
Net Interest Income / Total Revenues %	86.86	94.75	97.93	93.28	91.94
EBT Excl. Non-Recurring Items Margin %	39.22	37.47	37.15	41.08	41.39
Income From Continuing Operations Margin %	24.75	26.08	27.22	27.06	29.8
Net Income Margin %	20.83	23.27	24.75	24.75	30.11
Net Avail. For Common Margin %	19.38	21.99	23.65	23.53	25.49
Normalized Net Income Margin	20.59	20.61	20.75	23.37	22.88
Asset quality
Nonperforming Loans / Total Loans %	3.32	3.26	3.32	3.16	3.13
Nonperforming Loans / Total Assets %	2.08	2	1.98	1.92	1.84
Nonperforming Assets / Total Assets %	2.31	2.18	2.14	2.06	1.97
NPAs / Loans and OREO	3.68	3.54	3.56	3.39	3.35
NPAs / Equity	38	38.71	36.83	35.3	32.71
Allowance for Credit Losses / Net Charge-offs %	298	210.5	185.95	190.62	184.38
Allowance for Credit Losses / Nonperforming Loans %	69.1	65.42	63.98	62.74	61.52
Allowance for Credit Losses / Total Loans %	2.3	2.13	2.12	1.98	1.93
Net Charge-offs / Total Average Loans %	0.82	1.04	1.18	1.1	1.12
Provision for Loan Losses / Net Charge-offs %	95.87	100.74	105.36	108.93	109.08
Earning Assets / IBL	104.11	104.26	104.91	105.18	105.91
Interest Income / Average Assets	3	4.18	5.97	6.29	5.56
Interest Expense / Average Assets	0.84	1.91	3.5	3.66	3.22
Net Interest Income / Average Assets	2.17	2.27	2.47	2.63	2.34
Non Interest Income / Average Assets	0.8	0.76	0.78	0.89	0.88
Non Interest Expense / Average Asset	1.52	1.5	1.59	1.66	1.49
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.43	5.29	5.22	5.34	5.45
Total Average Equity / Total Average Assets %	6.07	5.84	5.71	5.82	5.94
Total Equity + Allowance for Loan Losses / Total Loans %	10.99	10.5	11	10.82	11.32
Gross Loans / Total Deposits %	90.39	91.61	92.6	96.61	99.55
Net Loans / Total Deposits %	88.31	89.66	90.64	94.69	97.63
Tier 1 Capital Ratio %	14.24	13.63	13.75	14.44	15
Total Capital Ratio %	16.81	15.99	16.39	17.39	17.77
Core Tier 1 Capital Ratio	12.51	12.18	12.3	12.78	13.46
Tier 2 Capital Ratio	2.57	2.36	2.64	2.95	2.77
Coverage Ratio	72.57	68.97	66.84	65.59	67
Interbank Ratio	74.99	67.83	71.29	61.7	82.36
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	2.11	1.46	1.27	1.29	1.31
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	4.63	15.42	12.08	8.1	-3.22
Non Interest Income, 1 Yr. Growth %	5.87	4.08	6.28	8.1	5.44
Provision For Loan Losses, 1 Yr. Growth %	-40.24	46.94	18.94	-2.08	3.13
Total Revenues, 1 Yr. Growth %	22.51	5.81	8.45	10.97	-2.04
Earnings From Cont. Operations, 1 Yr. Growth %	-225.23	11.51	13.18	12.81	11.64
Net Income, 1 Yr. Growth %	-192.62	18.23	15.31	13.52	12.14
Normalized Net Income, 1 Yr. Growth %	65.93	5.91	9.16	19.68	-0.96
Diluted EPS Before Extra, 1 Yr. Growth %	-180.98	23.17	21.23	17.97	15.8
Dividend Per Share, 1 Yr. Growth %	-21.57	17.8	49.41	19.32	14.29
Gross Loans, 1 Yr. Growth %	7.54	6.54	0.9	-0.23	-1.63
Allowance For Loan Losses, 1 Yr. Growth %	-2.67	-1.22	0.46	-2.91	-4.37
Net Loans, 1 Yr. Growth %	7.81	6.72	0.91	-0.18	-1.57
Non Performing Loans, 1 Yr. Growth %	4.62	4.33	2.73	-1	-2.47
Non Performing Assets, 1 Yr. Growth %	2.89	2.41	1.64	-1.32	-2.66
Total Assets, 1 Yr. Growth %	5.81	8.7	3.6	2.23	1.66
Total Deposits, 1 Yr Growth %	6.95	5.11	1.18	-0.44	-4.54
Tangible Book Value, 1 Yr. Growth %	7.29	0.16	7.23	5.02	8.22
Average Interest Earning Assets, 1 Yr. Growth %	4.36	10.3	3.46	2.19	2.25
Average Interest Bearing Liabilities, 1 Yr. Growth %	3.7	9.56	2.76	1.93	1.37
Common Equity, 1 Yr. Growth %	6.69	2.5	7.09	3.33	4.63
Total Equity, 1 Yr. Growth %	6.28	0.55	6.82	2.96	5.05
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-2.74	9.89	13.74	10.07	2.21
Non Interest Income, 2 Yr. CAGR %	-6.98	4.97	5.17	8.28	6.67
Provision For Loan Losses, 2 Yr. CAGR %	-11.06	-6.29	32.2	7.92	0.98
Total Revenues, 2 Yr. CAGR %	-2.38	13.85	7.12	10.04	4.05
Earnings From Cont. Operations, 2 Yr. CAGR %	9.06	18.17	12.34	13	12.01
Net Income, 2 Yr. CAGR %	11.67	4.65	16.76	14.42	12.83
Normalized Net Income, 2 Yr. CAGR %	1.58	32.56	7.52	15.32	9.05
Diluted EPS Before Extra, 2 Yr. CAGR %	12.25	-0.13	22.19	19.59	16.64
Dividend Per Share, 2 Yr. CAGR %	2.17	-3.88	32.66	33.52	16.77
Gross Loans, 2 Yr. CAGR %	2.76	7.04	3.68	0.53	-0.93
Allowance For Loan Losses, 2 Yr. CAGR %	1.61	-1.95	-0.38	-1.24	-3.64
Net Loans, 2 Yr. CAGR %	2.78	7.26	3.77	0.56	-0.88
Non Performing Loans, 2 Yr. CAGR %	-0.84	4.47	3.53	0.85	-1.74
Non Performing Assets, 2 Yr. CAGR %	-1.84	2.65	2.02	0.15	-1.99
Total Assets, 2 Yr. CAGR %	2.37	7.24	6.12	2.91	1.94
Total Deposits, 2 Yr CAGR %	5.18	6.03	3.27	0.37	-2.51
Tangible Book Value, 2 Yr. CAGR %	-1.42	3.66	3.63	6.12	6.6
Average Interest Earning Assets, 2 Yr. CAGR %	-	-	6.82	-	-
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	-	6.1	-	-
Common Equity, 2 Yr. CAGR %	-6.8	4.58	4.77	5.19	3.98
Total Equity, 2 Yr. CAGR %	-6.35	3.37	3.64	4.87	4
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-0.8	2.97	10.62	11.83	3.26
Non Interest Income, 3 Yr. CAGR %	-2.74	-3.43	5.41	8.68	5.95
Provision For Loan Losses, 3 Yr. CAGR %	-6.32	5.14	1.46	19.62	4.86
Total Revenues, 3 Yr. CAGR %	-0.27	0.27	12.02	9.2	3.74
Earnings From Cont. Operations, 3 Yr. CAGR %	1.2	9.87	16.49	12.5	9.05
Net Income, 3 Yr. CAGR %	1.32	13.81	8.09	15.67	13.65
Normalized Net Income, 3 Yr. CAGR %	2.52	3	24.25	13.91	6.28
Diluted EPS Before Extra, 3 Yr. CAGR %	0.54	15.78	6.54	20.77	14.07
Dividend Per Share, 3 Yr. CAGR %	-18.82	7.13	11.34	28.06	26.77
Gross Loans, 3 Yr. CAGR %	2.95	4	4.95	3.74	-0.2
Allowance For Loan Losses, 3 Yr. CAGR %	-0.49	0.66	-1.15	-1.23	-2.29
Net Loans, 3 Yr. CAGR %	3.04	4.08	5.1	3.85	-0.15
Non Performing Loans, 3 Yr. CAGR %	-2.35	0.85	3.89	2	-0.27
Non Performing Assets, 3 Yr. CAGR %	-3.48	-0.45	2.31	0.9	-0.8
Total Assets, 3 Yr. CAGR %	3.03	4.44	6.01	4.8	2.49
Total Deposits, 3 Yr CAGR %	4.52	5.16	3.92	2.02	-1.29
Tangible Book Value, 3 Yr. CAGR %	1.18	-0.89	4.84	4.09	6.81
Average Interest Earning Assets, 3 Yr. CAGR %	-	-	-	5.26	-
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	-	-	4.69	-
Common Equity, 3 Yr. CAGR %	-3.41	-3.8	5.41	4.29	5.01
Total Equity, 3 Yr. CAGR %	-3.31	-4.1	4.51	3.41	4.93
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	1.47	2.43	4.78	5.76	5.86
Non Interest Income, 5 Yr. CAGR %	-0.03	-1.39	0.35	2.12	6.63
Provision For Loan Losses, 5 Yr. CAGR %	-5.02	3.27	7.52	6.24	0.25
Total Revenues, 5 Yr. CAGR %	2.5	0.93	2.62	4.41	8.02
Earnings From Cont. Operations, 5 Yr. CAGR %	5.22	5.57	5.52	11.11	12.61
Net Income, 5 Yr. CAGR %	5.54	7.73	7.24	14.05	9.96
Normalized Net Income, 5 Yr. CAGR %	7.84	4.94	4.49	8.81	17.23
Diluted EPS Before Extra, 5 Yr. CAGR %	2.66	6.82	8.7	17.29	8.16
Dividend Per Share, 5 Yr. CAGR %	-8.75	-7.34	-1.19	17	13.49
Gross Loans, 5 Yr. CAGR %	3.96	3.81	3.24	3.35	3.39
Allowance For Loan Losses, 5 Yr. CAGR %	-1.2	-1.07	-0.45	-0.11	-2.16
Net Loans, 5 Yr. CAGR %	4.1	3.94	3.33	3.42	3.52
Non Performing Loans, 5 Yr. CAGR %	-0.24	-1.61	-0.04	0.85	1.6
Non Performing Assets, 5 Yr. CAGR %	-1.25	-5.13	-1.32	-0.21	0.57
Total Assets, 5 Yr. CAGR %	3.57	3.73	4.25	3.83	4.37
Total Deposits, 5 Yr CAGR %	5.93	4.35	3.68	2.94	1.3
Tangible Book Value, 5 Yr. CAGR %	2.72	1.38	2.16	1.85	5.54
Common Equity, 5 Yr. CAGR %	-0.9	-1.17	-0.22	-0.3	4.83
Total Equity, 5 Yr. CAGR %	-1.12	-1.79	-0.59	-0.61	4.31