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

7b.AQ22znDCwLl8lNzu3TUaqCKuTKjyJVyC0YTMsrheqDA.e3yDnkiQisww_oPWs0ZpmEH4D8mWYwnHk9uC08oU-2JZeuSfJ5vw8iXbmQ

Published financial data: BANCORPSOUTH

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Interest Income On Loans	77Cr	135.02Cr	200.93Cr	217.08Cr	226.44Cr
Interest Income On Investments	12Cr	21Cr	30Cr	38Cr	36Cr
Interest Income, Total	88Cr	156.06Cr	231.02Cr	254.74Cr	262.65Cr
Interest On Deposits	6.08Cr	14Cr	73Cr	96Cr	95Cr
Total Interest On Borrowings	1.55Cr	6.96Cr	22Cr	15Cr	8.22Cr
Interest Expense, Total	7.63Cr	21Cr	96Cr	111.11Cr	103.45Cr
Net Interest Income	81Cr	135.13Cr	135.14Cr	143.62Cr	159.19Cr
Service Charges On Deposits	4.4Cr	7.35Cr	6.17Cr	7.35Cr	7.4Cr
Trust Income	3.95Cr	8.05Cr	8.69Cr	9.49Cr	9.85Cr
Credit Card Fee	4.55Cr	5.82Cr	4.98Cr	5.02Cr	5.21Cr
Total Mortgage Banking Activities	5.81Cr	4.49Cr	1.9Cr	1.73Cr	2.6Cr
Gain (Loss) on Sale of Loans	2.16Cr	-	-	-	-
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-4L	-4L	-44Cr	-29.62L	43.04L
Total Other Non Interest Income	17Cr	24Cr	10Cr	12Cr	12Cr
Non Interest Income, Total	38Cr	49Cr	-12Cr	36Cr	38Cr
Revenues Before Provison For Loan Losses	118.39Cr	184.43Cr	123.5Cr	179.27Cr	197.05Cr
Provision For Loan Losses	14Cr	70L	8Cr	7.1Cr	11Cr
Total Revenues	104.58Cr	183.73Cr	115.5Cr	172.17Cr	185.95Cr
Salaries And Other Employee Benefits	45Cr	71Cr	60Cr	58Cr	63Cr
Amort. of Goodwill & Intang. Assets	-	2.05Cr	1.94Cr	1.59Cr	2.28Cr
Occupancy Expense	6.92Cr	9.56Cr	11Cr	9.66Cr	10Cr
Federal Deposit Insurance	87.01L	1.87Cr	7.22Cr	3.99Cr	3.37Cr
Selling General & Admin Expenses, Total	11Cr	22Cr	19Cr	19Cr	21Cr
Total Other Non Interest Expense	9.32Cr	13Cr	16Cr	12Cr	14Cr
Non Interest Expense, Total	74Cr	118.67Cr	115.07Cr	104.55Cr	113.57Cr
EBT, Excl. Unusual Items	31Cr	65Cr	42.82L	68Cr	72Cr
Total Merger & Related Restructuring Charges	-5.99Cr	-5.12Cr	-51.92L	-	-2.81Cr
Legal Settlements	-	-	-	-	-
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	25Cr	60Cr	-9L	68Cr	70Cr
Income Tax Expense	5.18Cr	14Cr	-45.94L	15Cr	15Cr
Earnings From Continuing Operations	20Cr	46Cr	36.84L	52Cr	54Cr
Earnings Of Discontinued Operations	-	-	54Cr	-	-
Net Income to Company	20Cr	46Cr	54Cr	52Cr	54Cr
Net Income - (IS)	20Cr	46Cr	54Cr	52Cr	54Cr
Preferred Dividend and Other Adjustments	94.88L	94.88L	94.88L	94.88L	1.19Cr
Net Income to Common Incl Extra Items	19Cr	45Cr	53Cr	51Cr	53Cr
Net Income to Common Excl. Extra Items	19Cr	45Cr	-58.04L	51Cr	53Cr
Per Share Items
Net EPS - Basic	1.54	2.47	2.92	2.81	2.87
Basic EPS - Continuing Operations	1.54	2.47	-0.03	2.81	2.87
Basic Weighted Average Shares Outstanding	12Cr	18Cr	18Cr	18Cr	19Cr
Net EPS - Diluted	1.54	2.46	2.92	2.77	2.83
Diluted EPS - Continuing Operations	1.54	2.46	-0.03	2.77	2.83
Diluted Weighted Average Shares Outstanding	12Cr	18Cr	18Cr	19Cr	19Cr
Normalized Basic EPS	1.59	2.22	0.01	2.31	2.44
Normalized Diluted EPS	1.59	2.2	0.01	2.28	2.41
Dividend Per Share	0.78	0.88	0.94	1	1.1
Payout Ratio	55.72	36.76	33.43	36.69	39.7
Supplemental Items
Effective Tax Rate - (Ratio)	20.96	22.71	504.84	22.57	21.74
Current Domestic Taxes	7.38Cr	13Cr	-54.86L	14Cr	1.35Cr
Total Current Taxes	7.38Cr	13Cr	-54.86L	14Cr	1.35Cr
Deferred Domestic Taxes	-2.21Cr	78.22L	9L	82.19L	14Cr
Total Deferred Taxes	-2.21Cr	78.22L	9L	82.19L	14Cr
Normalized Net Income	19Cr	41Cr	26.76L	42Cr	45Cr
Non-Cash Pension Expense	-54.49L	-19.62L	57.95L	-82.57L	-92.36L
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	1.81Cr	3.76Cr	3.94Cr	3.27Cr	3.68Cr
Total Stock-Based Compensation	1.81Cr	3.76Cr	3.94Cr	3.27Cr	3.68Cr

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Assets
Cash And Equivalents	129.47Cr	199.82Cr	423.23Cr	167.07Cr	200.83Cr
Investment Securities, Total	522.45Cr	380.87Cr	154.71Cr	120.7Cr	99Cr
Trading Asset Securities, Total	4.35Cr	2.94Cr	2.95Cr	3.33Cr	3.1Cr
Mortgage Backed Securities	1.05TCr	840.96Cr	693.3Cr	651.65Cr	864.98Cr
Total investments	1.58TCr	1.22TCr	850.97Cr	775.69Cr	967.42Cr
Gross Loans	2.7TCr	3.05TCr	3.26TCr	3.38TCr	3.73TCr
Allowance For Loan Losses	-45Cr	-44Cr	-47Cr	-46Cr	-50Cr
Other Adjustments to Gross Loans	-10Cr	-10Cr	-7.54Cr	-2.14Cr	-4.99Cr
Net Loans	2.64TCr	2.99TCr	3.2TCr	3.33TCr	3.68TCr
Gross Property Plant And Equipment	134.15Cr	141.66Cr	141.2Cr	145.17Cr	157.98Cr
Accumulated Depreciation	-56Cr	-60Cr	-61Cr	-67Cr	-73Cr
Net Property Plant And Equipment	79Cr	82Cr	80Cr	78Cr	85Cr
Goodwill	140.79Cr	145.88Cr	136.78Cr	136.69Cr	151.42Cr
Other Intangibles, Total	23Cr	16Cr	10Cr	8.32Cr	14Cr
Investment in FHLB	83L	13Cr	1.31Cr	1.04Cr	12Cr
Loans Held For Sale	34Cr	19Cr	19Cr	24Cr	27Cr
Accrued Interest Receivable	-	-	-	-	-
Restricted Cash	-	-	-	6.09Cr	21Cr
Deferred Tax Assets Long-Term (Collected)	-	-	-	-	-
Other Real Estate Owned And Foreclosed	1.78Cr	67.25L	62.46L	57.54L	1.18Cr
Other Long-Term Assets, Total	133.56Cr	173.67Cr	168.78Cr	175.58Cr	198.5Cr
Total Assets	4.77TCr	4.87TCr	4.89TCr	4.7TCr	5.35TCr
Liabilities
Interest Bearing Deposits	2.52TCr	2.62TCr	2.93TCr	3.19TCr	3.47TCr
Institutional Deposits	96Cr	-	-	-	-
Non-Interest Bearing Deposits	1.36TCr	1.27TCr	923.21Cr	859.18Cr	942.96Cr
Total Deposits	3.98TCr	3.9TCr	3.85TCr	4.05TCr	4.41TCr
Short-Term Borrowings	129.48Cr	406.51Cr	399.58Cr	7.23Cr	128.71Cr
Current Portion of Long-Term Debt	-	-	-	-	-
Current Portion of Leases	2.12Cr	1.56Cr	1.12Cr	1.12Cr	1.91Cr
Federal Home Loan Bank Debt - Long-Term	37.42L	8L	8L	7L	94Cr
Long-Term Leases	19Cr	20Cr	18Cr	18Cr	17Cr
Trust Preferred Securities (BS)	48Cr	46Cr	44Cr	1Cr	-
Accrued Interest Payable	84.83L	2.75Cr	10Cr	-	-
Pension & Other Post Retirement Benefits	-	-	-	-	-
Deferred Tax Liability Non-Current	-	-	-	-	-
Other Non Current Liabilities	61Cr	61Cr	54Cr	68Cr	73Cr
Total Liabilities	4.24TCr	4.43TCr	4.38TCr	4.14TCr	4.73TCr
Preferred Stock Redeemable	17Cr	17Cr	17Cr	17Cr	17Cr
Total Preferred Equity	17Cr	17Cr	17Cr	17Cr	17Cr
Common Stock, Total	47Cr	46Cr	46Cr	46Cr	47Cr
Additional Paid In Capital	284.2Cr	270.94Cr	274.31Cr	274.29Cr	281.46Cr
Retained Earnings	190.75Cr	220.14Cr	256.24Cr	289.55Cr	322.38Cr
Comprehensive Income and Other	-14Cr	-122.25Cr	-76Cr	-69Cr	-43Cr
Total Common Equity	508.1Cr	414.44Cr	500.08Cr	540.27Cr	607.67Cr
Total Equity	524.8Cr	431.14Cr	516.78Cr	556.97Cr	624.37Cr
Total Liabilities And Equity	4.77TCr	4.87TCr	4.89TCr	4.7TCr	5.35TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	19Cr	18Cr	18Cr	18Cr	19Cr
ECS Total Common Shares Outstanding	19Cr	18Cr	18Cr	18Cr	19Cr
Book Value / Share	26.98	22.72	27.35	29.44	32.56
Tangible Book Value	344.59Cr	252.89Cr	353.29Cr	395.26Cr	442.09Cr
Tangible Book Value Per Share	18.3	13.86	19.32	21.54	23.69
Tangible Book Value Per Share (As Reported)	19.34	13.99	19.32	21.54	-
Average Assets	3TCr	4.75TCr	4.87TCr	4.8TCr	-
Average Loans	1.73TCr	2.85TCr	3.2TCr	3.32TCr	-
Total Debt	198.72Cr	474.43Cr	462.58Cr	27Cr	241.54Cr
Deposits at Interest - Cash	64Cr	124.12Cr	343.41Cr	110.67Cr	143.65Cr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-9.08Cr	-10Cr	-9.62Cr	-10Cr	-12Cr
Net Debt	65Cr	271.67Cr	36Cr	-143.32Cr	38Cr
Full Time Employees	-	-	5.33T	5.34T	-
Number Of Offices	400	400	350	350	390

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Net Income	20Cr	46Cr	54Cr	52Cr	54Cr
Depreciation, Depletion & Amortization	17Cr	23Cr	21Cr	18Cr	6.16Cr
Amortization of Goodwill and Intangible Assets - (CF)	-	2.05Cr	1.94Cr	1.59Cr	2.28Cr
Total Depreciation, Depletion & Amortization	17Cr	25Cr	23Cr	19Cr	8.44Cr
Amortization of Deferred Charges, Total	67L	97L	98L	95L	1.14Cr
Gain (Loss) on Sale of Loans & Receivables - (CF)	-10Cr	-4.61Cr	-1.7Cr	-2.14Cr	-2.68Cr
(Gain) Loss On Sale of Asset - (CF)	-	-	-	-1.5Cr	-
(Gain) Loss on Sale of Investments - (CF)	-	-	44Cr	29.62L	-43.04L
Provision for Credit Losses	14Cr	70L	8Cr	7.1Cr	11Cr
(Income) Loss On Equity Investments - (CF)	-	-81.69L	-80.24L	-1.1Cr	-1.49Cr
Stock-Based Compensation (CF)	1.81Cr	3.28Cr	3.1Cr	3.27Cr	3.68Cr
Tax Benefit from Stock Options	-	-	-	-	-
Net (Increase) Decrease in Loans Originated / Sold - Operating	90Cr	13Cr	-4.12Cr	95.38L	4.92Cr
Change in Trading Asset Securities	-	-	-	-	45T
Changes in Accrued Interest Receivable	-3.59Cr	-4.12Cr	-1.52Cr	20.1L	-1.83Cr
Changes in Accrued Interest Payable	-	-	7.31Cr	1.02Cr	77.72L
Change in Unearned Revenues	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-8.77Cr	11Cr	-4.54Cr	5.65Cr	-23Cr
Other Operating Activities	-2.18Cr	2.32Cr	-1.14Cr	-71.07L	12Cr
Net Cash From Discontinued Operations	-	-	-70Cr	-	-
Cash from Operations	117.27Cr	92Cr	56Cr	86Cr	67Cr
Capital Expenditure	-7.23Cr	-9.45Cr	-9.83Cr	-8.01Cr	-7.05Cr
Sale of Property, Plant, and Equipment	56.41L	98.87L	1.71Cr	3.57Cr	1.29Cr
Cash Acquisitions	266.55Cr	-1.15Cr	-	-	50Cr
Divestitures	-36Cr	-	86Cr	1.53Cr	-
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-517.01Cr	205.47Cr	387.27Cr	74Cr	88Cr
Net (Increase) Decrease in Loans Originated / Sold - Investing	-20Cr	-356.64Cr	-230.72Cr	-142.54Cr	-218.54Cr
Other Investing Activities, Total	-2.07Cr	-10Cr	5.04Cr	-6.76Cr	-4.44Cr
Cash from Investing	-315.35Cr	-171.07Cr	239.6Cr	-78Cr	-90Cr
Short Term Debt Issued, Total	64Cr	272.68Cr	40Cr	-	74Cr
Long-Term Debt Issued, Total	-	-	-	-	143Cr
Total Debt Issued	64Cr	272.68Cr	40Cr	-	216.62Cr
Short Term Debt Repaid, Total	-	-	-46Cr	-392.79Cr	-
Long-Term Debt Repaid, Total	-5.6Cr	-1.78Cr	-2.25Cr	-42Cr	-2.24Cr
Total Debt Repaid	-5.6Cr	-1.78Cr	-48Cr	-435.05Cr	-2.24Cr
Issuance of Common Stock	-	-	61.46L	2.46Cr	-
Repurchase of Common Stock	-19Cr	-18Cr	-24.1L	-5.66Cr	-2.32Cr
Issuance of Preferred Stock	-	-	-	-	-
Common Dividends Paid	-9.93Cr	-16Cr	-17Cr	-18Cr	-20Cr
Preferred Dividends Paid	-94.88L	-94.88L	-94.88L	-94.88L	-1.19Cr
Common & Preferred Stock Dividends Paid	-11Cr	-17Cr	-18Cr	-19Cr	-22Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	256.4Cr	-86Cr	-46Cr	199.94Cr	-118.97Cr
Other Financing Activities, Total	-	-	17.44L	-	-
Cash from Financing	285.81Cr	149.11Cr	-72Cr	-257.52Cr	71Cr
Net Change in Cash	88Cr	70Cr	223.65Cr	-250.07Cr	48Cr
Supplemental Items
Cash Interest Paid	7.87Cr	19Cr	89Cr	110.1Cr	100.38Cr
Cash Income Tax Paid (Refund)	7.68Cr	7.24Cr	16Cr	12Cr	2.82Cr
Net Debt Issued / Repaid	59Cr	270.89Cr	-8Cr	-435.05Cr	214.38Cr

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Profitability
Return on Assets	0.54	0.96	0.01	1.09	1.08
Return On Equity %	4.84	9.69	0.08	9.75	9.22
Return on Common Equity	4.8	9.84	-0.13	9.88	9.28
Shareholders Value Added	-23Cr	-3.78Cr	1.62Cr	-8.47Cr	-10Cr
Margin Analysis
SG&A Margin	60.92	55.53	77.43	50.38	50.63
Net Interest Income / Total Revenues %	77.04	73.55	117	83.42	85.61
EBT Excl. Non-Recurring Items Margin %	29.34	35.41	0.37	39.27	38.93
Income From Continuing Operations Margin %	18.66	25.21	0.32	30.41	29.28
Net Income Margin %	18.66	25.21	46.95	30.41	29.28
Net Avail. For Common Margin %	17.75	24.7	-0.5	29.86	28.64
Normalized Net Income Margin	18.34	22.13	0.23	24.55	24.33
Asset quality
Nonperforming Loans / Total Loans %	0.57	0.36	0.66	0.78	0.67
Nonperforming Loans / Total Assets %	0.32	0.22	0.44	0.56	0.46
Nonperforming Assets / Total Assets %	0.39	0.24	0.45	0.58	0.49
NPAs / Loans and OREO	0.69	0.38	0.68	0.8	0.7
NPAs / Equity	3.56	2.69	4.3	4.86	4.17
Allowance for Credit Losses / Net Charge-offs %	-8.4T	-9L	644.96	588.94	527.12
Allowance for Credit Losses / Nonperforming Loans %	290.27	402.47	216.54	174.09	199.19
Allowance for Credit Losses / Total Loans %	1.65	1.45	1.44	1.36	1.33
Net Charge-offs / Total Average Loans %	-0.03	-0	0.23	0.24	-
Provision for Loan Losses / Net Charge-offs %	-2.6T	-14.29T	110.24	90.75	118.18
Earning Assets / IBL	152.41	151.32	134.36	132.48	-
Interest Income / Average Assets	2.94	3.28	4.74	5.31	-
Interest Expense / Average Assets	0.25	0.44	1.97	2.32	-
Net Interest Income / Average Assets	2.69	2.84	2.77	2.99	-
Non Interest Income / Average Assets	1.26	1.04	-0.24	0.74	-
Non Interest Expense / Average Asset	2.46	2.5	2.36	2.18	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	10.78	9.58	9.37	10.84	11.42
Total Average Equity / Total Average Assets %	11.25	9.92	9.71	11.19	11.75
Total Equity + Allowance for Loan Losses / Total Loans %	21.1	15.6	17.3	17.86	18.07
Gross Loans / Total Deposits %	67.77	78.16	84.61	83.37	84.5
Net Loans / Total Deposits %	66.39	76.77	83.2	82.18	83.26
Tier 1 Capital Ratio %	11.61	10.66	12.06	12.79	12.09
Total Capital Ratio %	13.86	12.81	14.32	13.97	13.28
Core Tier 1 Capital Ratio	11.11	10.22	11.62	12.35	11.69
Equity Tier 1 Capital Ratio	7.54	5.42	7.44	8.67	-
Coverage Ratio	1.77T	6.12T	462.16	686.96	1.63T
Leverage Ratio %	9.9	8.43	9.3	10.41	9.7
Interbank Ratio	49.8	136.59	760.57	4.43T	4.95T
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	16.96	9.61	1	5.4	9.47
EBT + Interest Expense / Interest Expense	4.24	3.86	1	1.61	1.67
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	16.61	67.71	0	6.28	10.84
Non Interest Income, 1 Yr. Growth %	12.38	30.38	-133.97	-406.43	6.18
Provision For Loan Losses, 1 Yr. Growth %	55.05	-94.93	1.04T	-11.25	56.34
Total Revenues, 1 Yr. Growth %	11.44	75.68	-31.53	49.07	8
Earnings From Cont. Operations, 1 Yr. Growth %	-14.42	137.36	-99.18	14.11T	3.98
Net Income, 1 Yr. Growth %	-14.42	137.36	17.07	-3.45	3.98
Normalized Net Income, 1 Yr. Growth %	4.76	112.04	-99.32	15.69T	7.04
Diluted EPS Before Extra, 1 Yr. Growth %	-27.36	59.74	-101.34	-8.82T	2.17
Dividend Per Share, 1 Yr. Growth %	4.7	12.82	6.82	6.38	10
Gross Loans, 1 Yr. Growth %	79.21	12.84	6.97	3.77	10.46
Allowance For Loan Losses, 1 Yr. Growth %	82.64	-1.36	6.29	-1.55	7.44
Net Loans, 1 Yr. Growth %	78.89	13.13	7.09	3.91	10.43
Non Performing Loans, 1 Yr. Growth %	26.92	-28.86	101.36	22.46	-6.1
Non Performing Assets, 1 Yr. Growth %	40.92	-37.83	94.96	21.61	-3.72
Total Assets, 1 Yr. Growth %	97.95	2.06	0.58	-3.91	13.85
Total Deposits, 1 Yr Growth %	100.63	-2.16	-1.18	5.19	9
Tangible Book Value, 1 Yr. Growth %	100.14	-26.61	32.96	11.88	11.85
Average Interest Earning Assets, 1 Yr. Growth %	32.33	57.84	2.07	-0.73	-
Average Interest Bearing Liabilities, 1 Yr. Growth %	29.27	58.98	14.95	0.68	-
Common Equity, 1 Yr. Growth %	91.34	-18.43	20.67	8.04	12.47
Total Equity, 1 Yr. Growth %	85.94	-17.85	19.87	7.78	12.1
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	11.34	39.85	29.51	3.09	8.54
Non Interest Income, 2 Yr. CAGR %	16.07	21.04	-30.79	2.03	80.38
Provision For Loan Losses, 2 Yr. CAGR %	859.38	-71.96	-23.88	218.48	17.79
Total Revenues, 2 Yr. CAGR %	6.09	39.92	12.63	1.03	26.88
Earnings From Cont. Operations, 2 Yr. CAGR %	-8.73	42.52	-85.65	8.19	1.12T
Net Income, 2 Yr. CAGR %	-8.73	42.52	66.7	6.32	0.2
Normalized Net Income, 2 Yr. CAGR %	-1.05	49.04	-87.73	3.78	1.2T
Diluted EPS Before Extra, 2 Yr. CAGR %	-18.17	7.72	-84.93	8.11	843.62
Dividend Per Share, 2 Yr. CAGR %	4.81	8.68	9.78	6.6	8.18
Gross Loans, 2 Yr. CAGR %	38.31	42.2	9.86	5.3	7.07
Allowance For Loan Losses, 2 Yr. CAGR %	93.63	34.22	2.39	2.3	2.85
Net Loans, 2 Yr. CAGR %	37.56	42.26	10.07	5.49	7.12
Non Performing Loans, 2 Yr. CAGR %	17.44	-4.98	18.55	57.03	7.24
Non Performing Assets, 2 Yr. CAGR %	25.69	-6.4	9.11	53.98	8.21
Total Assets, 2 Yr. CAGR %	50.48	42.14	1.32	-1.69	4.59
Total Deposits, 2 Yr CAGR %	55.77	40.1	-1.67	1.96	7.08
Tangible Book Value, 2 Yr. CAGR %	45.29	21.19	1.25	21.97	11.86
Average Interest Earning Assets, 2 Yr. CAGR %	26.55	44.53	26.93	0.66	-
Average Interest Bearing Liabilities, 2 Yr. CAGR %	22.3	43.36	35.18	7.58	-
Common Equity, 2 Yr. CAGR %	42.05	24.93	-0.79	14.18	10.23
Total Equity, 2 Yr. CAGR %	39.8	23.59	-0.77	13.66	9.92
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	11.89	27.63	25.06	21.25	5.62
Non Interest Income, 3 Yr. CAGR %	10.27	20.66	-29.81	13.64	3.39
Provision For Loan Losses, 3 Yr. CAGR %	213.05	67.11	-3.51	-19.88	151.23
Total Revenues, 3 Yr. CAGR %	7.04	25.52	7.17	23.66	3.3
Earnings From Cont. Operations, 3 Yr. CAGR %	-4.11	25.52	-74.72	43.08	6.77
Net Income, 3 Yr. CAGR %	-4.11	25.52	33.48	38.95	5.53
Normalized Net Income, 3 Yr. CAGR %	3.32	27.57	-75.55	33.43	4.85
Diluted EPS Before Extra, 3 Yr. CAGR %	-11.61	2.27	-75.34	25.54	6.09
Dividend Per Share, 3 Yr. CAGR %	7.95	7.42	8.06	8.63	7.72
Gross Loans, 3 Yr. CAGR %	27.15	29.23	29.33	7.75	6.99
Allowance For Loan Losses, 3 Yr. CAGR %	54.92	54.64	24.18	1.06	3.98
Net Loans, 3 Yr. CAGR %	26.72	28.88	29.41	7.98	7.11
Non Performing Loans, 3 Yr. CAGR %	16.71	-0.63	21.28	19.84	32.3
Non Performing Assets, 3 Yr. CAGR %	20.78	-0.6	18.82	13.12	31.67
Total Assets, 3 Yr. CAGR %	38.35	32.21	26.66	-0.46	3.23
Total Deposits, 3 Yr CAGR %	41.45	33.4	24.71	0.56	4.25
Tangible Book Value, 3 Yr. CAGR %	33.17	15.71	27.07	4.68	18.5
Average Interest Earning Assets, 3 Yr. CAGR %	20.48	36.22	28.7	16.95	-
Average Interest Bearing Liabilities, 3 Yr. CAGR %	17.91	33.47	33.18	22.54	-
Common Equity, 3 Yr. CAGR %	32.07	18.07	23.49	2.07	13.61
Total Equity, 3 Yr. CAGR %	33.5	17.1	22.34	2	13.14
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	12.18	23.31	18.63	17.18	18.17
Non Interest Income, 5 Yr. CAGR %	6.59	12.96	-16.23	4.9	2.38
Provision For Loan Losses, 5 Yr. CAGR %	103.05	18.47	77.82	116.29	4.51
Total Revenues, 5 Yr. CAGR %	7.62	19.98	6.26	13.13	14.66
Earnings From Cont. Operations, 5 Yr. CAGR %	8.02	24.8	-55.92	17.45	19.01
Net Income, 5 Yr. CAGR %	8.02	24.8	19.63	17.45	19.01
Normalized Net Income, 5 Yr. CAGR %	8.22	22.87	-56.6	16.63	19.84
Diluted EPS Before Extra, 5 Yr. CAGR %	1.8	8.05	-57.27	3.79	5.95
Dividend Per Share, 5 Yr. CAGR %	11.63	10.67	8.68	7.09	8.11
Gross Loans, 5 Yr. CAGR %	20.02	22.43	19.93	19.07	19.89
Allowance For Loan Losses, 5 Yr. CAGR %	29.26	30.09	31.27	31.08	15.16
Net Loans, 5 Yr. CAGR %	19.86	22.28	19.78	18.96	19.99
Non Performing Loans, 5 Yr. CAGR %	8.59	6.88	17.44	18.87	15.45
Non Performing Assets, 5 Yr. CAGR %	11.24	6.57	15.97	17.99	14.46
Total Assets, 5 Yr. CAGR %	26.49	26.04	22.14	17.43	17.32
Total Deposits, 5 Yr CAGR %	27.78	26.73	22.3	19.8	17.34
Tangible Book Value, 5 Yr. CAGR %	19.72	12.64	19.35	19.35	20.76
Average Interest Earning Assets, 5 Yr. CAGR %	15.72	25.82	23.02	20.69	-
Average Interest Bearing Liabilities, 5 Yr. CAGR %	14.4	24.51	24.54	22.44	-
Common Equity, 5 Yr. CAGR %	24.13	19.32	17.79	16.5	18.01
Total Equity, 5 Yr. CAGR %	24.94	20.27	18.56	15.71	17.21