Income Statement BancorpSouth NYSE

Stocks

BXS

US05971J1025

Banks

End-of-day quote NYSE 05/02/2024			5-day change	1st Jan Change
25.80 ^USD	-1.90%		-8.74%	-12.81%

02/02	Huntington Bancshares Incorporated Appoints Three New Directors	CI
02/02	Huntington Bancshares Closes Merger With Cadence Bank	MT

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Published financial data: BANCORPSOUTH

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	71Cr	77Cr	135.02Cr	200.93Cr	217.08Cr
Interest Income On Investments	9.11Cr	12Cr	21Cr	30Cr	38Cr
Interest Income, Total	80Cr	88Cr	156.06Cr	231.02Cr	254.74Cr
Interest On Deposits	9.07Cr	6.08Cr	14Cr	73Cr	96Cr
Total Interest On Borrowings	1.78Cr	1.55Cr	6.96Cr	22Cr	15Cr
Interest Expense, Total	11Cr	7.63Cr	21Cr	96Cr	111.11Cr
Net Interest Income	69Cr	81Cr	135.13Cr	135.14Cr	143.62Cr
Service Charges On Deposits	3.79Cr	4.4Cr	7.35Cr	6.17Cr	7.35Cr
Trust Income	2.62Cr	3.95Cr	8.05Cr	8.69Cr	9.49Cr
Credit Card Fee	3.82Cr	4.55Cr	5.82Cr	4.98Cr	5.02Cr
Total Mortgage Banking Activities	8.63Cr	5.81Cr	4.49Cr	1.9Cr	1.73Cr
Gain (Loss) on Sale of Loans	-	2.16Cr	-	-	-
Gain (Loss) on Sale of Assets	42L	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	58T	-4L	-4L	-44Cr	-29.62L
Total Other Non Interest Income	14Cr	17Cr	24Cr	10Cr	12Cr
Non Interest Income, Total	34Cr	38Cr	49Cr	-12Cr	36Cr
Revenues Before Provison For Loan Losses	102.75Cr	118.39Cr	184.43Cr	123.5Cr	179.27Cr
Provision For Loan Losses	8.6Cr	14Cr	70L	8Cr	7.1Cr
Total Revenues	94Cr	104.58Cr	183.73Cr	115.5Cr	172.17Cr
Salaries And Other Employee Benefits	40Cr	45Cr	71Cr	60Cr	58Cr
Amort. of Goodwill & Intang. Assets	-	-	2.05Cr	1.94Cr	1.59Cr
Occupancy Expense	4.16Cr	6.92Cr	9.56Cr	11Cr	9.66Cr
Federal Deposit Insurance	67.26L	87.01L	1.87Cr	7.22Cr	3.99Cr
Selling General & Admin Expenses, Total	5.03Cr	11Cr	22Cr	19Cr	19Cr
Total Other Non Interest Expense	14Cr	9.32Cr	13Cr	16Cr	12Cr
Non Interest Expense, Total	64Cr	74Cr	118.67Cr	115.07Cr	104.55Cr
EBT, Excl. Unusual Items	30Cr	31Cr	65Cr	42.82L	68Cr
Total Merger & Related Restructuring Charges	-53.45L	-5.99Cr	-5.12Cr	-51.92L	-
Legal Settlements	-	-	-	-	-
Other Unusual Items	-58.46L	-	-	-	-
EBT, Incl. Unusual Items	29Cr	25Cr	60Cr	-9L	68Cr
Income Tax Expense	5.95Cr	5.18Cr	14Cr	-45.94L	15Cr
Earnings From Continuing Operations	23Cr	20Cr	46Cr	36.84L	52Cr
Earnings Of Discontinued Operations	-	-	-	54Cr	-
Net Income to Company	23Cr	20Cr	46Cr	54Cr	52Cr
Net Income - (IS)	23Cr	20Cr	46Cr	54Cr	52Cr
Preferred Dividend and Other Adjustments	94.88L	94.88L	94.88L	94.88L	94.88L
Net Income to Common Incl Extra Items	22Cr	19Cr	45Cr	53Cr	51Cr
Net Income to Common Excl. Extra Items	22Cr	19Cr	45Cr	-58.04L	51Cr
Per Share Items
Net EPS - Basic	2.12	1.54	2.47	2.92	2.81
Basic EPS - Continuing Operations	2.12	1.54	2.47	-0.03	2.81
Basic Weighted Average Shares Outstanding	10Cr	12Cr	18Cr	18Cr	18Cr
Net EPS - Diluted	2.12	1.54	2.46	2.92	2.77
Diluted EPS - Continuing Operations	2.12	1.54	2.46	-0.03	2.77
Diluted Weighted Average Shares Outstanding	10Cr	12Cr	18Cr	18Cr	19Cr
Normalized Basic EPS	1.81	1.59	2.22	0.01	2.31
Normalized Diluted EPS	1.81	1.59	2.2	0.01	2.28
Dividend Per Share	0.74	0.78	0.88	0.94	1
Payout Ratio	37.69	55.72	36.76	33.43	36.69
Supplemental Items
Effective Tax Rate - (Ratio)	20.69	20.96	22.71	504.84	22.57
Current Domestic Taxes	5.97Cr	7.38Cr	13Cr	-54.86L	14Cr
Total Current Taxes	5.97Cr	7.38Cr	13Cr	-54.86L	14Cr
Deferred Domestic Taxes	-2L	-2.21Cr	78.22L	9L	82.19L
Total Deferred Taxes	-2L	-2.21Cr	78.22L	9L	82.19L
Normalized Net Income	19Cr	19Cr	41Cr	26.76L	42Cr
Non-Cash Pension Expense	-21.6L	-54.49L	-19.62L	57.95L	-82.57L
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	1.78Cr	1.81Cr	3.76Cr	3.94Cr	3.27Cr
Total Stock-Based Compensation	1.78Cr	1.81Cr	3.76Cr	3.94Cr	3.27Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	42Cr	129.47Cr	199.82Cr	423.23Cr	167.07Cr
Investment Securities, Total	300.34Cr	522.45Cr	380.87Cr	154.71Cr	120.7Cr
Trading Asset Securities, Total	2.28Cr	4.35Cr	2.94Cr	2.95Cr	3.33Cr
Mortgage Backed Securities	322.76Cr	1.05TCr	840.96Cr	693.3Cr	651.65Cr
Total investments	625.39Cr	1.58TCr	1.22TCr	850.97Cr	775.69Cr
Gross Loans	1.5TCr	2.7TCr	3.05TCr	3.26TCr	3.38TCr
Allowance For Loan Losses	-24Cr	-45Cr	-44Cr	-47Cr	-46Cr
Other Adjustments to Gross Loans	-1.68Cr	-10Cr	-10Cr	-7.54Cr	-2.14Cr
Net Loans	1.48TCr	2.64TCr	2.99TCr	3.2TCr	3.33TCr
Gross Property Plant And Equipment	101.51Cr	134.15Cr	141.66Cr	141.2Cr	145.17Cr
Accumulated Depreciation	-51Cr	-56Cr	-60Cr	-61Cr	-67Cr
Net Property Plant And Equipment	51Cr	79Cr	82Cr	80Cr	78Cr
Goodwill	85Cr	140.79Cr	145.88Cr	136.78Cr	136.69Cr
Other Intangibles, Total	5.59Cr	23Cr	16Cr	10Cr	8.32Cr
Investment in FHLB	80L	83L	13Cr	1.31Cr	1.04Cr
Loans Held For Sale	40Cr	34Cr	19Cr	19Cr	24Cr
Accrued Interest Receivable	11Cr	-	-	-	-
Restricted Cash	-	-	-	-	6.09Cr
Deferred Tax Assets Long-Term (Collected)	-	-	-	-	-
Other Real Estate Owned And Foreclosed	1.14Cr	1.78Cr	67.25L	62.46L	57.54L
Other Long-Term Assets, Total	69Cr	133.56Cr	173.67Cr	168.78Cr	175.58Cr
Total Assets	2.41TCr	4.77TCr	4.87TCr	4.89TCr	4.7TCr
Liabilities
Interest Bearing Deposits	1.19TCr	2.52TCr	2.62TCr	2.93TCr	3.19TCr
Institutional Deposits	163.6Cr	96Cr	-	-	-
Non-Interest Bearing Deposits	634.15Cr	1.36TCr	1.27TCr	923.21Cr	859.18Cr
Total Deposits	1.98TCr	3.98TCr	3.9TCr	3.85TCr	4.05TCr
Short-Term Borrowings	64Cr	129.48Cr	406.51Cr	399.58Cr	7.23Cr
Current Portion of Long-Term Debt	-	-	-	-	-
Current Portion of Leases	84.41L	2.12Cr	1.56Cr	1.12Cr	1.12Cr
Long-Term Debt	-	-	-	-	-
Federal Home Loan Bank Debt - Long-Term	44.02L	37.42L	8L	8L	7L
Long-Term Leases	6.38Cr	19Cr	20Cr	18Cr	18Cr
Trust Preferred Securities (BS)	30Cr	48Cr	46Cr	44Cr	1Cr
Accrued Interest Payable	1.09Cr	84.83L	2.75Cr	10Cr	-
Pension & Other Post Retirement Benefits	-	-	-	-	-
Deferred Tax Liability Non-Current	14Cr	-	-	-	-
Other Non Current Liabilities	25Cr	61Cr	61Cr	54Cr	68Cr
Total Liabilities	2.13TCr	4.24TCr	4.43TCr	4.38TCr	4.14TCr
Preferred Stock Redeemable	17Cr	17Cr	17Cr	17Cr	17Cr
Total Preferred Equity	17Cr	17Cr	17Cr	17Cr	17Cr
Common Stock, Total	26Cr	47Cr	46Cr	46Cr	46Cr
Additional Paid In Capital	57Cr	284.2Cr	270.94Cr	274.31Cr	274.29Cr
Retained Earnings	182.2Cr	190.75Cr	220.14Cr	256.24Cr	289.55Cr
Comprehensive Income and Other	1.19Cr	-14Cr	-122.25Cr	-76Cr	-69Cr
Total Common Equity	265.55Cr	508.1Cr	414.44Cr	500.08Cr	540.27Cr
Total Equity	282.25Cr	524.8Cr	431.14Cr	516.78Cr	556.97Cr
Total Liabilities And Equity	2.41TCr	4.77TCr	4.87TCr	4.89TCr	4.7TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	10Cr	19Cr	18Cr	18Cr	18Cr
ECS Total Common Shares Outstanding	10Cr	19Cr	18Cr	18Cr	18Cr
Book Value / Share	25.89	26.98	22.72	27.35	29.44
Tangible Book Value	174.8Cr	344.59Cr	252.89Cr	353.29Cr	395.26Cr
Tangible Book Value Per Share	17.04	18.3	13.86	19.32	21.54
Tangible Book Value Per Share (As Reported)	17.04	19.34	13.99	19.32	21.54
Average Assets	2.27TCr	3TCr	4.75TCr	4.87TCr	4.8TCr
Average Loans	1.52TCr	1.73TCr	2.85TCr	3.2TCr	3.32TCr
Total Debt	101.73Cr	198.72Cr	474.43Cr	462.58Cr	27Cr
Deposits at Interest - Cash	13Cr	64Cr	124.12Cr	343.41Cr	110.67Cr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-8.99Cr	-9.08Cr	-10Cr	-9.62Cr	-10Cr
Net Debt	58Cr	65Cr	271.67Cr	36Cr	-143.32Cr
Full Time Employees	4.6T	-	-	5.33T	5.34T
Number Of Offices	300	400	400	350	350

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	23Cr	20Cr	46Cr	54Cr	52Cr
Depreciation, Depletion & Amortization	3.38Cr	17Cr	23Cr	21Cr	18Cr
Amortization of Goodwill and Intangible Assets - (CF)	96.05L	-	2.05Cr	1.94Cr	1.59Cr
Total Depreciation, Depletion & Amortization	4.34Cr	17Cr	25Cr	23Cr	19Cr
Amortization of Deferred Charges, Total	-	67L	97L	98L	95L
Gain (Loss) on Sale of Loans & Receivables - (CF)	-8.23Cr	-10Cr	-4.61Cr	-1.7Cr	-2.14Cr
(Gain) Loss On Sale of Asset - (CF)	11.2L	-	-	-	-1.5Cr
(Gain) Loss on Sale of Investments - (CF)	2.05Cr	-	-	44Cr	29.62L
Provision for Credit Losses	8.6Cr	14Cr	70L	8Cr	7.1Cr
(Income) Loss On Equity Investments - (CF)	-	-	-81.69L	-80.24L	-1.1Cr
Stock-Based Compensation (CF)	1.28Cr	1.81Cr	3.28Cr	3.1Cr	3.27Cr
Tax Benefit from Stock Options	-	-	-	-	-
Net (Increase) Decrease in Loans Originated / Sold - Operating	1.61Cr	90Cr	13Cr	-4.12Cr	95.38L
Changes in Accrued Interest Receivable	-3.99Cr	-3.59Cr	-4.12Cr	-1.52Cr	20.1L
Changes in Accrued Interest Payable	-43.77L	-	-	7.31Cr	1.02Cr
Change in Unearned Revenues	1.11Cr	-	-	-	-
Change in Other Net Operating Assets (Collected)	-6.67Cr	-8.77Cr	11Cr	-4.54Cr	5.65Cr
Other Operating Activities	7L	-2.18Cr	2.32Cr	-1.14Cr	-71.07L
Net Cash From Discontinued Operations	-	-	-	-70Cr	-
Cash from Operations	23Cr	117.27Cr	92Cr	56Cr	86Cr
Capital Expenditure	-5.59Cr	-7.23Cr	-9.45Cr	-9.83Cr	-8.01Cr
Sale of Property, Plant, and Equipment	21.09L	56.41L	98.87L	1.71Cr	3.57Cr
Cash Acquisitions	20.74L	266.55Cr	-1.15Cr	-	-
Divestitures	-	-36Cr	-	86Cr	1.53Cr
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-160.64Cr	-517.01Cr	205.47Cr	387.27Cr	74Cr
Net (Increase) Decrease in Loans Originated / Sold - Investing	-78Cr	-20Cr	-356.64Cr	-230.72Cr	-142.54Cr
Other Investing Activities, Total	1.2Cr	-2.07Cr	-10Cr	5.04Cr	-6.76Cr
Cash from Investing	-242.94Cr	-315.35Cr	-171.07Cr	239.6Cr	-78Cr
Short Term Debt Issued, Total	-	64Cr	272.68Cr	40Cr	-
Long-Term Debt Issued, Total	-	-	-	-	-
Total Debt Issued	-	64Cr	272.68Cr	40Cr	-
Short Term Debt Repaid, Total	-60Cr	-	-	-46Cr	-392.79Cr
Long-Term Debt Repaid, Total	-4L	-5.6Cr	-1.78Cr	-2.25Cr	-42Cr
Total Debt Repaid	-60Cr	-5.6Cr	-1.78Cr	-48Cr	-435.05Cr
Issuance of Common Stock	-	-	-	61.46L	2.46Cr
Repurchase of Common Stock	-9.12Cr	-19Cr	-18Cr	-24.1L	-5.66Cr
Issuance of Preferred Stock	-	-	-	-	-
Common Dividends Paid	-7.65Cr	-9.93Cr	-16Cr	-17Cr	-18Cr
Preferred Dividends Paid	-94.88L	-94.88L	-94.88L	-94.88L	-94.88L
Common & Preferred Stock Dividends Paid	-8.59Cr	-11Cr	-17Cr	-18Cr	-19Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	306.57Cr	256.4Cr	-86Cr	-46Cr	199.94Cr
Other Financing Activities, Total	-28T	-	-	17.44L	-
Cash from Financing	228.72Cr	285.81Cr	149.11Cr	-72Cr	-257.52Cr
Net Change in Cash	8.44Cr	88Cr	70Cr	223.65Cr	-250.07Cr
Supplemental Items
Cash Interest Paid	10Cr	7.87Cr	19Cr	89Cr	110.1Cr
Cash Income Tax Paid (Refund)	7.47Cr	7.68Cr	7.24Cr	16Cr	12Cr
Net Debt Issued / Repaid	-60Cr	59Cr	270.89Cr	-8Cr	-435.05Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	1.01	0.54	0.96	0.01	1.09
Return On Equity %	8.28	4.84	9.69	0.08	9.75
Return on Common Equity	8.45	4.8	9.84	-0.13	9.88
Shareholders Value Added	-6.94Cr	-23Cr	-3.78Cr	1.62Cr	-8.47Cr
Margin Analysis
SG&A Margin	52.25	60.92	55.53	77.43	50.38
Net Interest Income / Total Revenues %	73.39	77.04	73.55	117	83.42
EBT Excl. Non-Recurring Items Margin %	31.73	29.34	35.41	0.37	39.27
Income From Continuing Operations Margin %	24.22	18.66	25.21	0.32	30.41
Net Income Margin %	24.22	18.66	25.21	46.95	30.41
Net Avail. For Common Margin %	23.22	17.75	24.7	-0.5	29.86
Normalized Net Income Margin	19.83	18.34	22.13	0.23	24.55
Asset quality
Nonperforming Loans / Total Loans %	0.81	0.57	0.36	0.66	0.78
Nonperforming Loans / Total Assets %	0.5	0.32	0.22	0.44	0.56
Nonperforming Assets / Total Assets %	0.55	0.39	0.24	0.45	0.58
NPAs / Loans and OREO	0.88	0.69	0.38	0.68	0.8
NPAs / Equity	4.7	3.56	2.69	4.3	4.86
Allowance for Credit Losses / Net Charge-offs %	888.68	-8.4T	-9L	644.96	588.94
Allowance for Credit Losses / Nonperforming Loans %	201.71	290.27	402.47	216.54	174.09
Allowance for Credit Losses / Total Loans %	1.63	1.65	1.45	1.44	1.36
Net Charge-offs / Total Average Loans %	0.18	-0.03	-0	0.23	0.24
Provision for Loan Losses / Net Charge-offs %	312.68	-2.6T	-14.29T	110.24	90.75
Earning Assets / IBL	148.88	152.41	151.32	134.36	132.48
Interest Income / Average Assets	3.52	2.94	3.28	4.74	5.31
Interest Expense / Average Assets	0.48	0.25	0.44	1.97	2.32
Net Interest Income / Average Assets	3.04	2.69	2.84	2.77	2.99
Non Interest Income / Average Assets	1.48	1.26	1.04	-0.24	0.74
Non Interest Expense / Average Asset	2.83	2.46	2.5	2.36	2.18
Capital And Funding
Total Average Common Equity / Total Average Assets %	11.46	10.78	9.58	9.37	10.84
Total Average Equity / Total Average Assets %	12.2	11.25	9.92	9.71	11.19
Total Equity + Allowance for Loan Losses / Total Loans %	20.39	21.1	15.6	17.3	17.86
Gross Loans / Total Deposits %	75.78	67.77	78.16	84.61	83.37
Net Loans / Total Deposits %	74.46	66.39	76.77	83.2	82.18
Tier 1 Capital Ratio %	11.74	11.61	10.66	12.06	12.79
Total Capital Ratio %	14.48	13.86	12.81	14.32	13.97
Core Tier 1 Capital Ratio	10.74	11.11	10.22	11.62	12.35
Equity Tier 1 Capital Ratio	7.54	7.54	5.42	7.44	8.67
Coverage Ratio	827.29	1.77T	6.12T	462.16	686.96
Leverage Ratio %	8.67	9.9	8.43	9.3	10.41
Interbank Ratio	20.9	49.8	136.59	760.57	4.43T
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	17.18	16.96	9.61	1	5.4
EBT + Interest Expense / Interest Expense	3.65	4.24	3.86	1	1.61
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	6.31	16.61	67.71	0	6.28
Non Interest Income, 1 Yr. Growth %	19.89	12.38	30.38	-133.97	-406.43
Provision For Loan Losses, 1 Yr. Growth %	5.63T	55.05	-94.93	1.04T	-11.25
Total Revenues, 1 Yr. Growth %	1.33	11.44	75.68	-31.53	49.07
Earnings From Cont. Operations, 1 Yr. Growth %	-2.65	-14.42	137.36	-99.18	14.11T
Net Income, 1 Yr. Growth %	-2.65	-14.42	137.36	17.07	-3.45
Normalized Net Income, 1 Yr. Growth %	-4.68	4.76	112.04	-99.32	15.69T
Diluted EPS Before Extra, 1 Yr. Growth %	-7.83	-27.36	59.74	-101.34	-8.82T
Dividend Per Share, 1 Yr. Growth %	4.93	4.7	12.82	6.82	6.38
Gross Loans, 1 Yr. Growth %	6.6	79.21	12.84	6.97	3.77
Allowance For Loan Losses, 1 Yr. Growth %	105.28	82.64	-1.36	6.29	-1.55
Net Loans, 1 Yr. Growth %	5.78	78.89	13.13	7.09	3.91
Non Performing Loans, 1 Yr. Growth %	8.66	26.92	-28.86	101.36	22.46
Non Performing Assets, 1 Yr. Growth %	12.1	40.92	-37.83	94.96	21.61
Total Assets, 1 Yr. Growth %	14.39	97.95	2.06	0.58	-3.91
Total Deposits, 1 Yr Growth %	20.94	100.63	-2.16	-1.18	5.19
Tangible Book Value, 1 Yr. Growth %	7.09	100.14	-26.61	32.96	11.88
Average Interest Earning Assets, 1 Yr. Growth %	21.01	32.33	57.84	2.07	-0.73
Average Interest Bearing Liabilities, 1 Yr. Growth %	15.7	29.27	58.98	14.95	0.68
Common Equity, 1 Yr. Growth %	5.46	91.34	-18.43	20.67	8.04
Total Equity, 1 Yr. Growth %	5.12	85.94	-17.85	19.87	7.78
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	9.6	11.34	39.85	29.51	3.09
Non Interest Income, 2 Yr. CAGR %	9.23	16.07	21.04	-30.79	2.03
Provision For Loan Losses, 2 Yr. CAGR %	337.16	859.38	-71.96	-23.88	218.48
Total Revenues, 2 Yr. CAGR %	5.07	6.09	39.92	12.63	1.03
Earnings From Cont. Operations, 2 Yr. CAGR %	1.51	-8.73	42.52	-85.65	8.19
Net Income, 2 Yr. CAGR %	1.51	-8.73	42.52	66.7	6.32
Normalized Net Income, 2 Yr. CAGR %	3.63	-1.05	49.04	-87.73	3.78
Diluted EPS Before Extra, 2 Yr. CAGR %	-2.5	-18.17	7.72	-84.93	8.11
Dividend Per Share, 2 Yr. CAGR %	9.62	4.81	8.68	9.78	6.6
Gross Loans, 2 Yr. CAGR %	7.03	38.31	42.2	9.86	5.3
Allowance For Loan Losses, 2 Yr. CAGR %	42.68	93.63	34.22	2.39	2.3
Net Loans, 2 Yr. CAGR %	6.65	37.56	42.26	10.07	5.49
Non Performing Loans, 2 Yr. CAGR %	11.91	17.44	-4.98	18.55	57.03
Non Performing Assets, 2 Yr. CAGR %	11.82	25.69	-6.4	9.11	53.98
Total Assets, 2 Yr. CAGR %	15.66	50.48	42.14	1.32	-1.69
Total Deposits, 2 Yr CAGR %	18.77	55.77	40.1	-1.67	1.96
Tangible Book Value, 2 Yr. CAGR %	9.45	45.29	21.19	1.25	21.97
Average Interest Earning Assets, 2 Yr. CAGR %	14.96	26.55	44.53	26.93	0.66
Average Interest Bearing Liabilities, 2 Yr. CAGR %	12.62	22.3	43.36	35.18	7.58
Common Equity, 2 Yr. CAGR %	9.72	42.05	24.93	-0.79	14.18
Total Equity, 2 Yr. CAGR %	13.12	39.8	23.59	-0.77	13.66
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	13.38	11.89	27.63	25.06	21.25
Non Interest Income, 3 Yr. CAGR %	7.88	10.27	20.66	-29.81	13.64
Provision For Loan Losses, 3 Yr. CAGR %	206.05	213.05	67.11	-3.51	-19.88
Total Revenues, 3 Yr. CAGR %	8.4	7.04	25.52	7.17	23.66
Earnings From Cont. Operations, 3 Yr. CAGR %	14.22	-4.11	25.52	-74.72	43.08
Net Income, 3 Yr. CAGR %	14.22	-4.11	25.52	33.48	38.95
Normalized Net Income, 3 Yr. CAGR %	8.74	3.32	27.57	-75.55	33.43
Diluted EPS Before Extra, 3 Yr. CAGR %	8.28	-11.61	2.27	-75.34	25.54
Dividend Per Share, 3 Yr. CAGR %	12.02	7.95	7.42	8.06	8.63
Gross Loans, 3 Yr. CAGR %	10.75	27.15	29.23	29.33	7.75
Allowance For Loan Losses, 3 Yr. CAGR %	27.4	54.92	54.64	24.18	1.06
Net Loans, 3 Yr. CAGR %	10.55	26.72	28.88	29.41	7.98
Non Performing Loans, 3 Yr. CAGR %	15.59	16.71	-0.63	21.28	19.84
Non Performing Assets, 3 Yr. CAGR %	16.2	20.78	-0.6	18.82	13.12
Total Assets, 3 Yr. CAGR %	16.33	38.35	32.21	26.66	-0.46
Total Deposits, 3 Yr CAGR %	18.54	41.45	33.4	24.71	0.56
Tangible Book Value, 3 Yr. CAGR %	7.81	33.17	15.71	27.07	4.68
Average Interest Earning Assets, 3 Yr. CAGR %	14.72	20.48	36.22	28.7	16.95
Average Interest Bearing Liabilities, 3 Yr. CAGR %	13.35	17.91	33.47	33.18	22.54
Common Equity, 3 Yr. CAGR %	15.72	32.07	18.07	23.49	2.07
Total Equity, 3 Yr. CAGR %	18.1	33.5	17.1	22.34	2
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	9.66	12.18	23.31	18.63	17.18
Non Interest Income, 5 Yr. CAGR %	4.17	6.59	12.96	-16.23	4.9
Provision For Loan Losses, 5 Yr. CAGR %	45.92	103.05	18.47	77.82	116.29
Total Revenues, 5 Yr. CAGR %	5.42	7.62	19.98	6.26	13.13
Earnings From Cont. Operations, 5 Yr. CAGR %	12.33	8.02	24.8	-55.92	17.45
Net Income, 5 Yr. CAGR %	12.33	8.02	24.8	19.63	17.45
Normalized Net Income, 5 Yr. CAGR %	9.85	8.22	22.87	-56.6	16.63
Diluted EPS Before Extra, 5 Yr. CAGR %	9.77	1.8	8.05	-57.27	3.79
Dividend Per Share, 5 Yr. CAGR %	16.31	11.63	10.67	8.68	7.09
Gross Loans, 5 Yr. CAGR %	7.65	20.02	22.43	19.93	19.07
Allowance For Loan Losses, 5 Yr. CAGR %	14.09	29.26	30.09	31.27	31.08
Net Loans, 5 Yr. CAGR %	7.6	19.86	22.28	19.78	18.96
Non Performing Loans, 5 Yr. CAGR %	5.01	8.59	6.88	17.44	18.87
Non Performing Assets, 5 Yr. CAGR %	3.86	11.24	6.57	15.97	17.99
Total Assets, 5 Yr. CAGR %	11.78	26.49	26.04	22.14	17.43
Total Deposits, 5 Yr CAGR %	11.86	27.78	26.73	22.3	19.8
Tangible Book Value, 5 Yr. CAGR %	5.41	19.72	12.64	19.35	19.35
Average Interest Earning Assets, 5 Yr. CAGR %	10.51	15.72	25.82	23.02	20.69
Average Interest Bearing Liabilities, 5 Yr. CAGR %	9.58	14.4	24.51	24.54	22.44
Common Equity, 5 Yr. CAGR %	9.91	24.13	19.32	17.79	16.5
Total Equity, 5 Yr. CAGR %	11.26	24.94	20.27	18.56	15.71