Balance Sheet Bank of America Corporation

Stocks

BAC

US0605051046

Banks

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Published financial data: BANK OF AMERICA CORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	4.77TCr	7.26TCr	13TCr	15TCr	14TCr
Interest Income On Investments	-	-	-	-	-
Interest Income, Total	4.77TCr	7.26TCr	13TCr	15TCr	14TCr
Interest On Deposits	473.8Cr	2.01TCr	7.33TCr	9.05TCr	7.85TCr
Total Interest On Borrowings	-	-	-	-	-
Interest Expense, Total	473.8Cr	2.01TCr	7.33TCr	9.05TCr	7.85TCr
Net Interest Income	4.29TCr	5.25TCr	5.69TCr	5.61TCr	6.01TCr
Service Charges On Deposits	-	-	-	-	-
Trust Income	-	-	-	-	-
Credit Card Fee	-	-	-	-	-
Total Mortgage Banking Activities	-	-	-	-	-
Income From Trading Activities	-	-	-	-	-
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-107.8Cr	-116.8Cr	-190.5Cr	-462.9Cr	-2Cr
Total Other Non Interest Income	4.73TCr	4.37TCr	4.52TCr	5.05TCr	5.3TCr
Non Interest Income, Total	4.62TCr	4.25TCr	4.32TCr	4.58TCr	5.3TCr
Revenues Before Provison For Loan Losses	8.91TCr	9.5TCr	10TCr	10TCr	11TCr
Provision For Loan Losses	-459.4Cr	254.3Cr	439.4Cr	582.1Cr	567.5Cr
Total Revenues	9.37TCr	9.24TCr	9.58TCr	9.61TCr	11TCr
Salaries And Other Employee Benefits	3.31TCr	3.35TCr	3.52TCr	3.66TCr	3.83TCr
Amort. of Goodwill & Intang. Assets	-	-	-	-	-
Occupancy Expense	465.1Cr	459.9Cr	472.3Cr	484.7Cr	494.2Cr
Selling General & Admin Expenses, Total	1.5TCr	1.56TCr	1.63TCr	1.79TCr	1.87TCr
Total Other Non Interest Expense	697Cr	767.4Cr	745.8Cr	748.5Cr	769.6Cr
Non Interest Expense, Total	5.97TCr	6.14TCr	6.37TCr	6.68TCr	6.97TCr
EBT, Excl. Unusual Items	3.4TCr	3.1TCr	3.2TCr	2.93TCr	3.77TCr
Legal Settlements	-	-	-	-	-
Other Unusual Items	-	-	-370Cr	-	-
EBT, Incl. Unusual Items	3.4TCr	3.1TCr	2.83TCr	2.93TCr	3.77TCr
Income Tax Expense	199.8Cr	344.1Cr	182.7Cr	212.2Cr	718.6Cr
Earnings From Continuing Operations	3.2TCr	2.75TCr	2.65TCr	2.71TCr	3.05TCr
Net Income to Company	3.2TCr	2.75TCr	2.65TCr	2.71TCr	3.05TCr
Net Income - (IS)	3.2TCr	2.75TCr	2.65TCr	2.71TCr	3.05TCr
Preferred Dividend and Other Adjustments	142.1Cr	151.3Cr	164.9Cr	162.9Cr	145.4Cr
Net Income to Common Incl Extra Items	3.06TCr	2.6TCr	2.49TCr	2.55TCr	2.91TCr
Net Income to Common Excl. Extra Items	3.06TCr	2.6TCr	2.49TCr	2.55TCr	2.91TCr
Per Share Items
Net EPS - Basic	3.6	3.21	3.1	3.25	3.86
Basic EPS - Continuing Operations	3.6	3.21	3.1	3.25	3.86
Basic Weighted Average Shares Outstanding	849.33Cr	811.37Cr	802.86Cr	785.55Cr	752.19Cr
Net EPS - Diluted	3.57	3.19	3.08	3.21	3.81
Diluted EPS - Continuing Operations	3.57	3.19	3.08	3.21	3.81
Diluted Weighted Average Shares Outstanding	855.84Cr	816.75Cr	808.05Cr	793.58Cr	768.09Cr
Normalized Basic EPS	2.5	2.39	2.49	2.33	3.13
Normalized Diluted EPS	2.48	2.37	2.48	2.3	3.07
Dividend Per Share	0.78	0.86	0.92	1	1.08
Payout Ratio	25.19	31.15	34.27	35.02	31.34
American Depositary Receipts Ratio (ADR)	0.25	0.25	0.25	0.25	0.25
Supplemental Items
Effective Tax Rate - (Ratio)	5.88	11.11	6.45	7.25	19.06
Current Domestic Taxes	185.1Cr	154.6Cr	192Cr	179.1Cr	464.4Cr
Current Foreign Taxes	98Cr	115.6Cr	191.8Cr	206.5Cr	224.7Cr
Total Current Taxes	283.6Cr	270.2Cr	383.8Cr	385.6Cr	689.1Cr
Deferred Domestic Taxes	145.3Cr	36Cr	-229.4Cr	-213.3Cr	12Cr
Deferred Foreign Taxes	-229.1Cr	38Cr	28Cr	40Cr	17Cr
Total Deferred Taxes	-84Cr	74Cr	-201.1Cr	-173.4Cr	30Cr
Normalized Net Income	2.12TCr	1.94TCr	2TCr	1.83TCr	2.36TCr
Non-Cash Pension Expense	-49Cr	-54Cr	-42Cr	-43Cr	-36Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	300Cr	290Cr	310Cr	360Cr	400.1Cr
Total Stock-Based Compensation	300Cr	290Cr	310Cr	360Cr	400.1Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	34TCr	22TCr	33TCr	28TCr	23TCr
Investment Securities, Total	1,18300Cr	1,12000Cr	1,14000Cr	1,12200Cr	1,15900Cr
Trading Asset Securities, Total	18TCr	23TCr	19TCr	19TCr	22TCr
Mortgage Backed Securities	7.05TCr	3.28TCr	5.15TCr	7.67TCr	9.14TCr
Total investments	1,43300Cr	1,38200Cr	1,37700Cr	1,38400Cr	1,47200Cr
Gross Loans	98TCr	1,04600Cr	1,05400Cr	1,09600Cr	1,18600Cr
Allowance For Loan Losses	-1.24TCr	-1.27TCr	-1.33TCr	-1.32TCr	-1.32TCr
Net Loans	97TCr	1,03300Cr	1,04000Cr	1,08300Cr	1,17200Cr
Net Property Plant And Equipment	2.11TCr	2.13TCr	2.1TCr	2.07TCr	2.09TCr
Goodwill	6.9TCr	6.9TCr	6.9TCr	6.9TCr	6.9TCr
Other Intangibles, Total	-	-	-	-	-
Loans Held For Sale	1.56TCr	687.1Cr	600.2Cr	954.5Cr	516.5Cr
Accrued Interest Receivable	220Cr	380Cr	450Cr	430Cr	420Cr
Other Receivables	7.01TCr	6.37TCr	7.74TCr	7.79TCr	9.4TCr
Restricted Cash	590Cr	760Cr	560Cr	610Cr	650Cr
Other Current Assets, Total	10TCr	12TCr	13TCr	17TCr	19TCr
Deferred Tax Assets Long-Term (Collected)	915.3Cr	1.33TCr	-	-	-
Other Real Estate Owned And Foreclosed	13Cr	17Cr	14Cr	14Cr	10Cr
Other Long-Term Assets, Total	13TCr	11TCr	12TCr	15TCr	16TCr
Total Assets	3,16900Cr	3,05100Cr	3,18000Cr	3,26200Cr	3,41200Cr
Liabilities
Accrued Expenses, Total	17TCr	20TCr	18TCr	19TCr	21TCr
Interest Bearing Deposits	1,25300Cr	1,26900Cr	1,37700Cr	1,44200Cr	1,48700Cr
Institutional Deposits	-	-	-	-	-
Non-Interest Bearing Deposits	81TCr	66TCr	55TCr	52TCr	53TCr
Total Deposits	2,06400Cr	1,93000Cr	1,92400Cr	1,96500Cr	2,01900Cr
Short-Term Borrowings	27TCr	28TCr	37TCr	43TCr	44TCr
Current Portion of Long-Term Debt	1.19TCr	1.63TCr	2.67TCr	2.57TCr	4.17TCr
Current Portion of Leases	191.7Cr	199.8Cr	194.7Cr	177Cr	173.9Cr
Long-Term Debt	27TCr	26TCr	27TCr	26TCr	28TCr
Federal Home Loan Bank Debt - Long-Term	8.8Cr	8.1Cr	7.6Cr	5.8Cr	4.7Cr
Long-Term Leases	894.1Cr	836.1Cr	783.5Cr	736.5Cr	734.7Cr
Trust Preferred Securities (BS)	74Cr	74Cr	74Cr	75Cr	75Cr
Other Current Liabilities - (Bank / Utility Template)	10TCr	8.04TCr	9.55TCr	9.25TCr	11TCr
Unearned Revenue Non Current	-	-	-	-	-
Pension & Other Post Retirement Benefits	239.1Cr	170.5Cr	169.9Cr	163.3Cr	165.5Cr
Other Non Current Liabilities	430.7Cr	391.2Cr	315.5Cr	266.6Cr	267.2Cr
Total Liabilities	2,89900Cr	2,77800Cr	2,88900Cr	2,96600Cr	3,10800Cr
Preferred Stock Redeemable	2.47TCr	2.84TCr	2.84TCr	2.32TCr	2.6TCr
Total Preferred Equity	2.47TCr	2.84TCr	2.84TCr	2.32TCr	2.6TCr
Common Stock, Total	6.24TCr	5.9TCr	5.64TCr	4.53TCr	2.61TCr
Retained Earnings	19TCr	21TCr	22TCr	24TCr	26TCr
Comprehensive Income and Other	-510.4Cr	-2.12TCr	-1.78TCr	-1.53TCr	-1.05TCr
Total Common Equity	25TCr	24TCr	26TCr	27TCr	28TCr
Total Equity	27TCr	27TCr	29TCr	30TCr	30TCr
Total Liabilities And Equity	3,16900Cr	3,05100Cr	3,18000Cr	3,26200Cr	3,41200Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	806.98Cr	800.38Cr	787.27Cr	760.47Cr	717.67Cr
ECS Total Common Shares Outstanding	807.78Cr	799.68Cr	789.55Cr	761.09Cr	721.25Cr
Book Value / Share	30.37	30.61	33.34	35.79	38.44
Tangible Book Value	18TCr	18TCr	19TCr	20TCr	21TCr
Tangible Book Value Per Share	21.83	21.98	24.6	26.72	28.87
Tangible Book Value Per Share (As Reported)	21.68	21.83	24.46	26.58	28.73
Average Assets	3,03500Cr	3,13600Cr	3,15400Cr	3,28400Cr	3,41000Cr
Average Loans	92TCr	1,01700Cr	1,04600Cr	1,06000Cr	1,13700Cr
Total Debt	56TCr	56TCr	68TCr	72TCr	77TCr
Deposits at Interest - Cash	32TCr	20TCr	31TCr	26TCr	20TCr
Federal Funds Sold	-	-	-	-	-
Debt Equivalent of Unfunded Proj. Benefit Obligation	-614.9Cr	-543.1Cr	-542.5Cr	-610.3Cr	-704.9Cr
Net Debt	-22TCr	-16TCr	-12TCr	-3.14TCr	-309.1Cr
Equity Method Investments, Total	1.26TCr	1.41TCr	3TCr	-	-
Full Time Employees	2L	2L	2L	2L	2L
Number Of Offices	4.17T	3.91T	3.84T	3.7T	3.63T

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	3.2TCr	2.75TCr	2.65TCr	2.71TCr	3.05TCr
Depreciation, Depletion & Amortization	182.2Cr	190Cr	197.9Cr	211.1Cr	223.6Cr
Amortization of Goodwill and Intangible Assets - (CF)	7.6Cr	7.8Cr	7.8Cr	7.8Cr	7.8Cr
Total Depreciation, Depletion & Amortization	189.8Cr	197.8Cr	205.7Cr	218.9Cr	231.4Cr
(Gain) Loss on Sale of Investments - (CF)	581.5Cr	204Cr	80L	-30Cr	-84Cr
Provision for Credit Losses	-459.4Cr	254.3Cr	439.4Cr	582.1Cr	567.5Cr
Stock-Based Compensation (CF)	276.8Cr	286.2Cr	294.2Cr	343.3Cr	400.1Cr
Net (Increase) Decrease in Loans Originated / Sold - Operating	-895.1Cr	670.5Cr	64Cr	-432.1Cr	-
Change in Other Net Operating Assets (Collected)	-3.99TCr	-5.19TCr	272.8Cr	-4.85TCr	-3.31TCr
Other Operating Activities	381.3Cr	196.1Cr	569.7Cr	578.8Cr	403.4Cr
Cash from Operations	-719.3Cr	-632.7Cr	4.5TCr	-880.5Cr	1.26TCr
Investment in Marketable and Equity Securities, Total	-31TCr	8.4TCr	-532.5Cr	-4.65TCr	30Cr
Net (Increase) Decrease in Loans Originated / Sold - Investing	-5.28TCr	-6.51TCr	-1.18TCr	-4.85TCr	-9.53TCr
Other Investing Activities, Total	4.99TCr	-2.15TCr	-1.83TCr	427Cr	-5.02TCr
Cash from Investing	-31TCr	-252.9Cr	-3.54TCr	-9.07TCr	-15TCr
Short Term Debt Issued, Total	2.64TCr	648.5Cr	9.34TCr	6.04TCr	2.16TCr
Long-Term Debt Issued, Total	7.67TCr	6.59TCr	6.54TCr	5.67TCr	9.99TCr
Total Debt Issued	10TCr	7.24TCr	16TCr	12TCr	12TCr
Short Term Debt Repaid, Total	-	-	-	-	-
Long-Term Debt Repaid, Total	-4.68TCr	-3.41TCr	-4.46TCr	-7.04TCr	-7.6TCr
Total Debt Repaid	-4.68TCr	-3.41TCr	-4.46TCr	-7.04TCr	-7.6TCr
Repurchase of Common Stock	-2.51TCr	-507.3Cr	-457.6Cr	-1.31TCr	-2.14TCr
Issuance of Preferred Stock	216.9Cr	442.6Cr	-	-	549.3Cr
Repurchase of Preferred Stock	-197.1Cr	-65Cr	-	-525.4Cr	-266.9Cr
Common & Preferred Stock Dividends Paid	-805.5Cr	-857.6Cr	-908.7Cr	-950.3Cr	-956.3Cr
Common & Preferred Stock Dividends Paid	-805.5Cr	-857.6Cr	-908.7Cr	-950.3Cr	-956.3Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	27TCr	-13TCr	-651.4Cr	4.16TCr	5.33TCr
Other Financing Activities, Total	-62Cr	-31Cr	-72Cr	-13Cr	-61Cr
Cash from Financing	29TCr	-11TCr	9.33TCr	6.04TCr	6.99TCr
Foreign Exchange Rate Adjustments	-340.8Cr	-312.3Cr	-7Cr	-383Cr	432.7Cr
Net Change in Cash	-3.22TCr	-12TCr	10TCr	-4.3TCr	-5.83TCr
Supplemental Items
Cash Interest Paid	450.6Cr	1.85TCr	6.96TCr	8.97TCr	7.91TCr
Cash Income Tax Paid (Refund)	276Cr	228.8Cr	340.5Cr	382.2Cr	393Cr
Net Debt Issued / Repaid	5.63TCr	3.83TCr	11TCr	4.67TCr	4.55TCr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.07	0.88	0.85	0.84	0.91
Return On Equity %	11.78	10.13	9.39	9.24	10.22
Return on Common Equity	12.38	10.61	9.79	9.52	10.6
Shareholders Value Added	242.77Cr	-180.35Cr	-388.99Cr	-492.89Cr	-229.63Cr
Margin Analysis
SG&A Margin	56.3	58.18	58.76	61.76	57.75
Net Interest Income / Total Revenues %	45.82	56.77	59.43	58.36	55.94
EBT Excl. Non-Recurring Items Margin %	36.26	33.51	33.45	30.45	35.09
Income From Continuing Operations Margin %	34.13	29.79	27.68	28.24	28.4
Net Income Margin %	34.13	29.79	27.68	28.24	28.4
Net Avail. For Common Margin %	32.61	28.15	25.96	26.55	27.05
Normalized Net Income Margin	22.66	20.95	20.91	19.03	21.93
Asset quality
Nonperforming Loans / Total Loans %	0.5	0.39	0.54	0.61	0.53
Nonperforming Loans / Total Assets %	0.15	0.13	0.18	0.21	0.19
Nonperforming Assets / Total Assets %	0.16	0.14	0.18	0.21	0.19
NPAs / Loans and OREO	0.51	0.4	0.55	0.63	0.54
NPAs / Equity	1.84	1.54	1.99	2.32	2.12
Allowance for Credit Losses / Net Charge-offs %	552.25	583.89	351.2	219.53	234.47
Allowance for Credit Losses / Nonperforming Loans %	255.3	314.38	236.14	197.44	208.88
Allowance for Credit Losses / Total Loans %	1.27	1.21	1.27	1.21	1.11
Net Charge-offs / Total Average Loans %	0.24	0.21	0.36	0.57	0.5
Provision for Loan Losses / Net Charge-offs %	-204.81	117.08	115.66	96.52	100.78
Earning Assets / IBL	147	143.36	134.15	130.24	129.85
Interest Income / Average Assets	1.57	2.31	4.13	4.46	4.06
Interest Expense / Average Assets	0.16	0.64	2.33	2.76	2.3
Net Interest Income / Average Assets	1.41	1.67	1.81	1.71	1.76
Non Interest Income / Average Assets	1.52	1.35	1.37	1.4	1.55
Non Interest Expense / Average Asset	1.97	1.96	2.02	2.03	2.04
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.24	7.88	8.15	8.32	8.21
Total Average Equity / Total Average Assets %	9.07	8.73	9.06	9.12	8.95
Total Equity + Allowance for Loan Losses / Total Loans %	28.85	27.34	28.94	28.18	26.69
Gross Loans / Total Deposits %	47.43	54.17	54.77	55.75	58.73
Net Loans / Total Deposits %	46.83	53.52	54.08	55.08	58.08
Tier 1 Capital Ratio %	12.1	13	13.5	13.2	12.8
Total Capital Ratio %	14.1	14.9	15.2	15.1	14.7
Core Tier 1 Capital Ratio	10.6	11.2	11.8	11.9	11.4
Tier 2 Capital Ratio	1.92	1.89	1.7	1.88	1.91
Equity Tier 1 Capital Ratio	5.7	5.9	6.2	6.3	6.2
Coverage Ratio	-	-	-	-	-
Leverage Ratio %	6.4	7	7.1	6.9	6.8
Interbank Ratio	130.36	136.77	98.85	82.8	91.84
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	-	-	-	-	-
EBT + Interest Expense / Interest Expense	8.17	2.54	1.39	1.32	1.48
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-0.98	22.19	8.52	-1.53	7.2
Non Interest Income, 1 Yr. Growth %	9.51	-7.99	1.79	5.96	6.44
Provision For Loan Losses, 1 Yr. Growth %	-140.58	-155.35	72.79	32.48	-2.51
Total Revenues, 1 Yr. Growth %	26.28	-1.39	3.66	0.29	7.38
Earnings From Cont. Operations, 1 Yr. Growth %	78.71	-13.92	-3.68	2.33	13.11
Net Income, 1 Yr. Growth %	78.71	-13.92	-3.68	2.33	13.11
Normalized Net Income, 1 Yr. Growth %	78.87	-8.85	3.46	-2.3	13.46
Diluted EPS Before Extra, 1 Yr. Growth %	90.91	-10.64	-3.45	4.22	19.44
Dividend Per Share, 1 Yr. Growth %	8.33	10.26	6.98	8.7	8
Gross Loans, 1 Yr. Growth %	5.52	6.8	0.76	4	8.2
Allowance For Loan Losses, 1 Yr. Growth %	-34.12	2.38	5.2	-0.76	-0.28
Net Loans, 1 Yr. Growth %	6.34	6.86	0.71	4.06	8.3
Non Performing Loans, 1 Yr. Growth %	-8.83	-16.86	40.06	18.77	-5.74
Non Performing Assets, 1 Yr. Growth %	-9.19	-15.62	37.84	18.3	-6.26
Total Assets, 1 Yr. Growth %	12.41	-3.73	4.22	2.56	4.61
Total Deposits, 1 Yr Growth %	14.98	-6.5	-0.34	2.16	2.71
Tangible Book Value, 1 Yr. Growth %	-1.74	-0.32	10.5	4.71	3.2
Average Interest Earning Assets, 1 Yr. Growth %	12.88	3.23	1.95	5.28	4.33
Average Interest Bearing Liabilities, 1 Yr. Growth %	9.01	5.85	8.95	8.44	4.64
Common Equity, 1 Yr. Growth %	-1.23	-0.23	7.54	3.48	2.38
Total Equity, 1 Yr. Growth %	-1.05	1.16	6.75	1.34	3.16
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-6.29	10	15.15	3.37	2.74
Non Interest Income, 2 Yr. CAGR %	7.07	0.38	-3.22	3.86	7.53
Provision For Loan Losses, 2 Yr. CAGR %	13.12	-52.6	-2.2	51.3	13.65
Total Revenues, 2 Yr. CAGR %	4.64	11.59	1.1	1.96	4.5
Earnings From Cont. Operations, 2 Yr. CAGR %	7.97	24.03	-8.94	-0.72	7.69
Net Income, 2 Yr. CAGR %	7.97	24.03	-8.94	-0.72	7.69
Normalized Net Income, 2 Yr. CAGR %	1.85	27.69	-2.89	-2.81	7.65
Diluted EPS Before Extra, 2 Yr. CAGR %	13.94	30.61	-7.12	0.31	11.77
Dividend Per Share, 2 Yr. CAGR %	8.71	9.29	8.6	7.83	8.35
Gross Loans, 2 Yr. CAGR %	-0.22	6.16	3.74	2.37	6.08
Allowance For Loan Losses, 2 Yr. CAGR %	14.7	-17.87	3.78	2.18	-0.52
Net Loans, 2 Yr. CAGR %	-0.37	6.6	3.74	2.37	6.16
Non Performing Loans, 2 Yr. CAGR %	13.04	-12.94	7.91	28.93	5.81
Non Performing Assets, 2 Yr. CAGR %	10.48	-12.46	7.85	27.66	5.31
Total Assets, 2 Yr. CAGR %	14.11	4.03	0.17	3.39	3.58
Total Deposits, 2 Yr CAGR %	19.95	3.69	-3.47	0.91	2.44
Tangible Book Value, 2 Yr. CAGR %	1.12	-1.03	4.95	7.56	3.54
Average Interest Earning Assets, 2 Yr. CAGR %	13.24	7.95	2.59	3.6	4.8
Average Interest Bearing Liabilities, 2 Yr. CAGR %	8.84	7.42	7.39	8.69	6.52
Common Equity, 2 Yr. CAGR %	0.81	-0.73	3.58	5.49	2.62
Total Equity, 2 Yr. CAGR %	0.99	0.05	3.92	4.01	1.97
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-3.76	2.38	9.5	9.3	4.63
Non Interest Income, 3 Yr. CAGR %	2.52	1.79	0.85	-0.25	7.65
Provision For Loan Losses, 3 Yr. CAGR %	11.86	-10.86	-27.05	8.21	30.68
Total Revenues, 3 Yr. CAGR %	2.22	2.59	8.88	0.83	5.15
Earnings From Cont. Operations, 3 Yr. CAGR %	4.35	0.12	14.01	-5.33	3.49
Net Income, 3 Yr. CAGR %	4.35	0.12	14.01	-5.33	3.49
Normalized Net Income, 3 Yr. CAGR %	-0.59	-1.85	19.04	-4.87	6.77
Diluted EPS Before Extra, 3 Yr. CAGR %	11	5.07	18.1	-3.48	6.1
Dividend Per Share, 3 Yr. CAGR %	13.04	9.22	8.51	8.63	7.89
Gross Loans, 3 Yr. CAGR %	1.12	2.07	4.33	3.83	4.28
Allowance For Loan Losses, 3 Yr. CAGR %	8.86	10.44	-10.81	2.24	1.35
Net Loans, 3 Yr. CAGR %	1.04	1.98	4.6	3.85	4.31
Non Performing Loans, 3 Yr. CAGR %	-2.58	2.04	2.01	11.39	16.15
Non Performing Assets, 3 Yr. CAGR %	-3.52	0.99	1.84	11.2	15.17
Total Assets, 3 Yr. CAGR %	10.42	7.83	4.09	0.96	3.79
Total Deposits, 3 Yr CAGR %	14.33	10.39	2.33	-1.62	1.5
Tangible Book Value, 3 Yr. CAGR %	0.44	0.64	2.67	4.87	5.81
Average Interest Earning Assets, 3 Yr. CAGR %	9.73	9.8	5.91	3.48	3.84
Average Interest Bearing Liabilities, 3 Yr. CAGR %	8.07	7.83	7.92	7.74	7.33
Common Equity, 3 Yr. CAGR %	0.32	0.47	1.95	3.55	4.24
Total Equity, 3 Yr. CAGR %	0.59	1.04	2.24	3.05	3.54
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	0.88	3.01	3.4	2.77	6.75
Non Interest Income, 5 Yr. CAGR %	1.62	0.29	0.18	2.61	4.68
Provision For Loan Losses, 5 Yr. CAGR %	5.01	-5.62	6.01	10.15	-12.9
Total Revenues, 5 Yr. CAGR %	3.19	1.99	1.77	2.34	7.68
Earnings From Cont. Operations, 5 Yr. CAGR %	12.4	8.59	-1.19	-0.22	11.26
Net Income, 5 Yr. CAGR %	12.4	8.59	-1.19	-0.22	11.26
Normalized Net Income, 5 Yr. CAGR %	6.31	1.17	-1.52	-2.23	14.69
Diluted EPS Before Extra, 5 Yr. CAGR %	19.12	15.39	3.37	3.14	15.3
Dividend Per Share, 5 Yr. CAGR %	25.55	17.14	11.24	8.67	8.45
Gross Loans, 5 Yr. CAGR %	1.55	2.23	2.16	2.19	5.03
Allowance For Loan Losses, 5 Yr. CAGR %	1.97	4.06	6.8	7.05	-6.83
Net Loans, 5 Yr. CAGR %	1.54	2.2	2.11	2.14	5.22
Non Performing Loans, 5 Yr. CAGR %	-9.62	-10.01	1.49	12.05	3.5
Non Performing Assets, 5 Yr. CAGR %	-9.97	-10.01	0.88	10.91	3.2
Total Assets, 5 Yr. CAGR %	7.69	5.99	6.2	6.03	3.89
Total Deposits, 5 Yr CAGR %	10.36	8.07	6.85	6.5	2.37
Tangible Book Value, 5 Yr. CAGR %	0.5	-0.01	2.22	3.35	3.02
Average Interest Earning Assets, 5 Yr. CAGR %	6.98	7.04	6.82	7.28	5.46
Average Interest Bearing Liabilities, 5 Yr. CAGR %	6.41	6.97	7.79	8.18	7.36
Common Equity, 5 Yr. CAGR %	0.36	-0	1.61	2.44	2.22
Total Equity, 5 Yr. CAGR %	0.29	0.45	1.91	2.22	2.13