Cash flow Bank of America Corporation

Equities

BAC

US0605051046

Banks

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Published financial data: BANK OF AMERICA CORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	5.16TCr	4.77TCr	7.26TCr	13TCr	15TCr
Interest Income On Investments	-	-	-	-	-
Interest Income, Total	5.16TCr	4.77TCr	7.26TCr	13TCr	15TCr
Interest On Deposits	822.5Cr	473.8Cr	2.01TCr	7.33TCr	9.05TCr
Total Interest On Borrowings	-	-	-	-	-
Interest Expense, Total	822.5Cr	473.8Cr	2.01TCr	7.33TCr	9.05TCr
Net Interest Income	4.34TCr	4.29TCr	5.25TCr	5.69TCr	5.61TCr
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)	-59Cr	-107.8Cr	-116.8Cr	-190.5Cr	-462.9Cr
Income (Loss) on Equity Invest. (Income Block)	-	-	-	-	-
Total Other Non Interest Income	4.28TCr	4.73TCr	4.37TCr	4.52TCr	5.05TCr
Non Interest Income, Total	4.22TCr	4.62TCr	4.25TCr	4.32TCr	4.58TCr
Revenues Before Provison For Loan Losses	8.55TCr	8.91TCr	9.5TCr	10TCr	10TCr
Provision For Loan Losses	1.13TCr	-459.4Cr	254.3Cr	439.4Cr	582.1Cr
Total Revenues	7.42TCr	9.37TCr	9.24TCr	9.58TCr	9.61TCr
Salaries And Other Employee Benefits	3.06TCr	3.31TCr	3.35TCr	3.52TCr	3.66TCr
Amort. of Goodwill & Intang. Assets	-	-	-	-	-
Occupancy Expense	451.8Cr	465.1Cr	459.9Cr	472.3Cr	484.7Cr
Selling General & Admin Expenses, Total	1.33TCr	1.5TCr	1.56TCr	1.63TCr	1.79TCr
Total Other Non Interest Expense	673Cr	697Cr	767.4Cr	745.8Cr	748.5Cr
Non Interest Expense, Total	5.52TCr	5.97TCr	6.14TCr	6.37TCr	6.68TCr
EBT, Excl. Unusual Items	1.9TCr	3.4TCr	3.1TCr	3.2TCr	2.93TCr
Legal Settlements	-	-	-	-	-
Other Unusual Items	-	-	-	-370Cr	-
EBT, Incl. Unusual Items	1.9TCr	3.4TCr	3.1TCr	2.83TCr	2.93TCr
Income Tax Expense	110.1Cr	199.8Cr	344.1Cr	182.7Cr	212.2Cr
Earnings From Continuing Operations	1.79TCr	3.2TCr	2.75TCr	2.65TCr	2.71TCr
Net Income to Company	1.79TCr	3.2TCr	2.75TCr	2.65TCr	2.71TCr
Net Income - (IS)	1.79TCr	3.2TCr	2.75TCr	2.65TCr	2.71TCr
Preferred Dividend and Other Adjustments	142.1Cr	142.1Cr	151.3Cr	164.9Cr	162.9Cr
Net Income to Common Incl Extra Items	1.65TCr	3.06TCr	2.6TCr	2.49TCr	2.55TCr
Net Income to Common Excl. Extra Items	1.65TCr	3.06TCr	2.6TCr	2.49TCr	2.55TCr
Per Share Items
Net EPS - Basic	1.88	3.6	3.21	3.1	3.25
Basic EPS - Continuing Operations	1.88	3.6	3.21	3.1	3.25
Basic Weighted Average Shares Outstanding	875.32Cr	849.33Cr	811.37Cr	802.86Cr	785.55Cr
Net EPS - Diluted	1.87	3.57	3.19	3.08	3.21
Diluted EPS - Continuing Operations	1.87	3.57	3.19	3.08	3.21
Diluted Weighted Average Shares Outstanding	879.69Cr	855.84Cr	816.75Cr	808.05Cr	793.58Cr
Normalized Basic EPS	1.36	2.5	2.39	2.49	2.33
Normalized Diluted EPS	1.35	2.48	2.37	2.48	2.3
Dividend Per Share	0.72	0.78	0.86	0.92	1
Payout Ratio	43.18	25.19	31.15	34.27	35.02
American Depositary Receipts Ratio (ADR)	0.25	0.25	0.25	0.25	0.25
Supplemental Items
Effective Tax Rate - (Ratio)	5.8	5.88	11.11	6.45	7.25
Current Domestic Taxes	216.8Cr	185.1Cr	154.6Cr	192Cr	179.1Cr
Current Foreign Taxes	67Cr	98Cr	115.6Cr	191.8Cr	206.5Cr
Total Current Taxes	283.8Cr	283.6Cr	270.2Cr	383.8Cr	385.6Cr
Deferred Domestic Taxes	-103.2Cr	145.3Cr	36Cr	-229.4Cr	-213.3Cr
Deferred Foreign Taxes	-70Cr	-229.1Cr	38Cr	28Cr	40Cr
Total Deferred Taxes	-173.7Cr	-84Cr	74Cr	-201.1Cr	-173.4Cr
Normalized Net Income	1.19TCr	2.12TCr	1.94TCr	2TCr	1.83TCr
Non-Cash Pension Expense	-41Cr	-49Cr	-54Cr	-42Cr	-43Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	210Cr	300Cr	290Cr	310Cr	360Cr
Total Stock-Based Compensation	210Cr	300Cr	290Cr	310Cr	360Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	37TCr	34TCr	22TCr	33TCr	28TCr
Investment Securities, Total	92TCr	1,18300Cr	1,12000Cr	1,14000Cr	1,12200Cr
Trading Asset Securities, Total	15TCr	18TCr	23TCr	19TCr	19TCr
Mortgage Backed Securities	8.54TCr	7.05TCr	3.28TCr	5.15TCr	7.67TCr
Total investments	1,16200Cr	1,43300Cr	1,38200Cr	1,37700Cr	1,38400Cr
Gross Loans	93TCr	98TCr	1,04600Cr	1,05400Cr	1,09600Cr
Allowance For Loan Losses	-1.88TCr	-1.24TCr	-1.27TCr	-1.33TCr	-1.32TCr
Net Loans	91TCr	97TCr	1,03300Cr	1,04000Cr	1,08300Cr
Net Property Plant And Equipment	2.1TCr	2.11TCr	2.13TCr	2.1TCr	2.07TCr
Goodwill	6.9TCr	6.9TCr	6.9TCr	6.9TCr	6.9TCr
Other Intangibles, Total	-	-	-	-	-
Loans Held For Sale	924.3Cr	1.56TCr	687.1Cr	600.2Cr	954.5Cr
Accrued Interest Receivable	-	220Cr	380Cr	450Cr	430Cr
Other Receivables	6.42TCr	7.01TCr	6.37TCr	7.74TCr	7.79TCr
Restricted Cash	700Cr	590Cr	760Cr	560Cr	610Cr
Other Current Assets, Total	9.15TCr	10TCr	12TCr	13TCr	17TCr
Deferred Tax Assets Long-Term (Collected)	744.7Cr	915.3Cr	1.33TCr	-	-
Other Real Estate Owned And Foreclosed	16Cr	13Cr	17Cr	14Cr	14Cr
Other Long-Term Assets, Total	11TCr	13TCr	11TCr	12TCr	15TCr
Total Assets	2,82000Cr	3,16900Cr	3,05100Cr	3,18000Cr	3,26200Cr
Liabilities
Accrued Expenses, Total	14TCr	17TCr	20TCr	18TCr	19TCr
Interest Bearing Deposits	1,09100Cr	1,25300Cr	1,26900Cr	1,37700Cr	1,44200Cr
Institutional Deposits	3.65TCr	-	-	-	-
Non-Interest Bearing Deposits	67TCr	81TCr	66TCr	55TCr	52TCr
Total Deposits	1,79500Cr	2,06400Cr	1,93000Cr	1,92400Cr	1,96500Cr
Short-Term Borrowings	25TCr	27TCr	28TCr	37TCr	43TCr
Current Portion of Long-Term Debt	2.04TCr	1.19TCr	1.63TCr	2.67TCr	2.57TCr
Current Portion of Leases	192.7Cr	191.7Cr	199.8Cr	194.7Cr	177Cr
Long-Term Debt	24TCr	27TCr	26TCr	27TCr	26TCr
Federal Home Loan Bank Debt - Long-Term	9.7Cr	8.8Cr	8.1Cr	7.6Cr	5.8Cr
Long-Term Leases	854.7Cr	894.1Cr	836.1Cr	783.5Cr	736.5Cr
Trust Preferred Securities (BS)	74Cr	74Cr	74Cr	74Cr	75Cr
Other Current Liabilities - (Bank / Utility Template)	7.13TCr	10TCr	8.04TCr	9.55TCr	9.25TCr
Unearned Revenue Non Current	-	-	-	-	-
Pension & Other Post Retirement Benefits	258.2Cr	239.1Cr	170.5Cr	169.9Cr	163.3Cr
Other Non Current Liabilities	853.5Cr	430.7Cr	391.2Cr	315.5Cr	266.6Cr
Total Liabilities	2,54700Cr	2,89900Cr	2,77800Cr	2,88900Cr	2,96600Cr
Preferred Stock Redeemable	2.45TCr	2.47TCr	2.84TCr	2.84TCr	2.32TCr
Total Preferred Equity	2.45TCr	2.47TCr	2.84TCr	2.84TCr	2.32TCr
Common Stock, Total	8.6TCr	6.24TCr	5.9TCr	5.64TCr	4.53TCr
Retained Earnings	16TCr	19TCr	21TCr	22TCr	24TCr
Comprehensive Income and Other	-165.6Cr	-510.4Cr	-2.12TCr	-1.78TCr	-1.53TCr
Total Common Equity	25TCr	25TCr	24TCr	26TCr	27TCr
Total Equity	27TCr	27TCr	27TCr	29TCr	30TCr
Total Liabilities And Equity	2,82000Cr	3,16900Cr	3,05100Cr	3,18000Cr	3,26200Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	863.32Cr	806.98Cr	800.38Cr	787.27Cr	760.47Cr
ECS Total Common Shares Outstanding	865.08Cr	807.78Cr	799.68Cr	789.55Cr	761.09Cr
Book Value / Share	28.72	30.37	30.61	33.34	35.79
Tangible Book Value	18TCr	18TCr	18TCr	19TCr	20TCr
Tangible Book Value Per Share	20.75	21.83	21.98	24.6	26.72
Tangible Book Value Per Share (As Reported)	20.6	21.68	21.83	24.46	26.58
Average Assets	2,68300Cr	3,03500Cr	3,13600Cr	3,15400Cr	3,28400Cr
Average Loans	98TCr	92TCr	1,01700Cr	1,04600Cr	1,06000Cr
Total Debt	52TCr	56TCr	56TCr	68TCr	72TCr
Deposits at Interest - Cash	34TCr	32TCr	20TCr	31TCr	26TCr
Federal Funds Sold	-	-	-	-	-
Debt Equivalent of Unfunded Proj. Benefit Obligation	-487.1Cr	-614.9Cr	-543.1Cr	-542.5Cr	-610.3Cr
Net Debt	-31TCr	-22TCr	-16TCr	-12TCr	-3.14TCr
Equity Method Investments, Total	1.12TCr	1.26TCr	1.41TCr	3TCr	-
Full Time Employees	2L	2L	2L	2L	2L
Number Of Offices	4.31T	4.17T	3.91T	3.84T	3.7T

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	1.79TCr	3.2TCr	2.75TCr	2.65TCr	2.71TCr
Depreciation, Depletion & Amortization	174.8Cr	182.2Cr	190Cr	197.9Cr	211.1Cr
Amortization of Goodwill and Intangible Assets - (CF)	9.5Cr	7.6Cr	7.8Cr	7.8Cr	7.8Cr
Total Depreciation, Depletion & Amortization	184.3Cr	189.8Cr	197.8Cr	205.7Cr	218.9Cr
(Gain) Loss on Sale of Investments - (CF)	369Cr	581.5Cr	204Cr	80L	-30Cr
Provision for Credit Losses	1.13TCr	-459.4Cr	254.3Cr	439.4Cr	582.1Cr
Stock-Based Compensation (CF)	203.1Cr	276.8Cr	286.2Cr	294.2Cr	343.3Cr
Net (Increase) Decrease in Loans Originated / Sold - Operating	-61Cr	-895.1Cr	670.5Cr	64Cr	-432.1Cr
Change in Other Net Operating Assets (Collected)	-33Cr	-3.99TCr	-5.19TCr	272.8Cr	-4.85TCr
Other Operating Activities	214.9Cr	381.3Cr	196.1Cr	569.7Cr	578.8Cr
Cash from Operations	3.8TCr	-719.3Cr	-632.7Cr	4.5TCr	-880.5Cr
Investment in Marketable and Equity Securities, Total	-19TCr	-31TCr	8.4TCr	-532.5Cr	-4.65TCr
Net (Increase) Decrease in Loans Originated / Sold - Investing	4.47TCr	-5.28TCr	-6.51TCr	-1.18TCr	-4.85TCr
Other Investing Activities, Total	-3.3TCr	4.99TCr	-2.15TCr	-1.83TCr	427Cr
Cash from Investing	-18TCr	-31TCr	-252.9Cr	-3.54TCr	-9.07TCr
Short Term Debt Issued, Total	-	2.64TCr	648.5Cr	9.34TCr	6.04TCr
Long-Term Debt Issued, Total	6.22TCr	7.67TCr	6.59TCr	6.54TCr	5.67TCr
Total Debt Issued	6.22TCr	10TCr	7.24TCr	16TCr	12TCr
Short Term Debt Repaid, Total	-489.3Cr	-	-	-	-
Long-Term Debt Repaid, Total	-4.79TCr	-4.68TCr	-3.41TCr	-4.46TCr	-7.04TCr
Total Debt Repaid	-5.28TCr	-4.68TCr	-3.41TCr	-4.46TCr	-7.04TCr
Repurchase of Common Stock	-702.5Cr	-2.51TCr	-507.3Cr	-457.6Cr	-1.31TCr
Issuance of Preferred Stock	218.1Cr	216.9Cr	442.6Cr	-	-
Repurchase of Preferred Stock	-107.2Cr	-197.1Cr	-65Cr	-	-525.4Cr
Common Dividends Paid	-	-	-	-	-
Preferred Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-772.7Cr	-805.5Cr	-857.6Cr	-908.7Cr	-950.3Cr
Common & Preferred Stock Dividends Paid	-772.7Cr	-805.5Cr	-857.6Cr	-908.7Cr	-950.3Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	36TCr	27TCr	-13TCr	-651.4Cr	4.16TCr
Other Financing Activities, Total	-60Cr	-62Cr	-31Cr	-72Cr	-13Cr
Cash from Financing	36TCr	29TCr	-11TCr	9.33TCr	6.04TCr
Foreign Exchange Rate Adjustments	275.6Cr	-340.8Cr	-312.3Cr	-7Cr	-383Cr
Net Change in Cash	22TCr	-3.22TCr	-12TCr	10TCr	-4.3TCr
Supplemental Items
Cash Interest Paid	866.2Cr	450.6Cr	1.85TCr	6.96TCr	8.97TCr
Cash Income Tax Paid (Refund)	289.4Cr	276Cr	228.8Cr	340.5Cr	382.2Cr
Net Debt Issued / Repaid	938.6Cr	5.63TCr	3.83TCr	11TCr	4.67TCr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.68	1.07	0.88	0.85	0.84
Return On Equity %	6.66	11.78	10.13	9.39	9.24
Return on Common Equity	6.73	12.38	10.61	9.79	9.52
Shareholders Value Added	-1.14TCr	242.77Cr	-180.35Cr	-388.99Cr	-492.89Cr
Margin Analysis
SG&A Margin	65.33	56.3	58.18	58.76	61.76
Net Interest Income / Total Revenues %	58.43	45.82	56.77	59.43	58.36
EBT Excl. Non-Recurring Items Margin %	25.6	36.26	33.51	33.45	30.45
Income From Continuing Operations Margin %	24.11	34.13	29.79	27.68	28.24
Net Income Margin %	24.11	34.13	29.79	27.68	28.24
Net Avail. For Common Margin %	22.2	32.61	28.15	25.96	26.55
Normalized Net Income Margin	16	22.66	20.95	20.91	19.03
Asset quality
Nonperforming Loans / Total Loans %	0.57	0.5	0.39	0.54	0.61
Nonperforming Loans / Total Assets %	0.19	0.15	0.13	0.18	0.21
Nonperforming Assets / Total Assets %	0.19	0.16	0.14	0.18	0.21
NPAs / Loans and OREO	0.59	0.51	0.4	0.55	0.63
NPAs / Equity	2.01	1.84	1.54	1.99	2.32
Allowance for Credit Losses / Net Charge-offs %	456.25	552.25	583.89	351.2	219.53
Allowance for Credit Losses / Nonperforming Loans %	353.29	255.3	314.38	236.14	197.44
Allowance for Credit Losses / Total Loans %	2.03	1.27	1.21	1.27	1.21
Net Charge-offs / Total Average Loans %	0.42	0.24	0.21	0.36	0.57
Provision for Loan Losses / Net Charge-offs %	274.69	-204.81	117.08	115.66	96.52
Earning Assets / IBL	141.96	147	143.36	134.15	130.24
Interest Income / Average Assets	1.92	1.57	2.31	4.13	4.46
Interest Expense / Average Assets	0.31	0.16	0.64	2.33	2.76
Net Interest Income / Average Assets	1.62	1.41	1.67	1.81	1.71
Non Interest Income / Average Assets	1.57	1.52	1.35	1.37	1.4
Non Interest Expense / Average Asset	2.06	1.97	1.96	2.02	2.03
Capital And Funding
Total Average Common Equity / Total Average Assets %	9.32	8.24	7.88	8.15	8.32
Total Average Equity / Total Average Assets %	10.24	9.07	8.73	9.06	9.12
Total Equity + Allowance for Loan Losses / Total Loans %	31.44	28.85	27.34	28.94	28.18
Gross Loans / Total Deposits %	51.68	47.43	54.17	54.77	55.75
Net Loans / Total Deposits %	50.63	46.83	53.52	54.08	55.08
Tier 1 Capital Ratio %	13.5	12.1	13	13.5	13.2
Total Capital Ratio %	16.1	14.1	14.9	15.2	15.1
Core Tier 1 Capital Ratio	11.9	10.6	11.2	11.8	11.9
Tier 2 Capital Ratio	2.56	1.92	1.89	1.7	1.88
Equity Tier 1 Capital Ratio	6.5	5.7	5.9	6.2	6.3
Coverage Ratio	-	-	-	-	-
Leverage Ratio %	7.4	6.4	7	7.1	6.9
Interbank Ratio	178.52	130.36	136.77	98.85	82.8
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	-	-	-	-	-
EBT + Interest Expense / Interest Expense	3.31	8.17	2.54	1.39	1.32
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-11.31	-0.98	22.19	8.52	-1.53
Non Interest Income, 1 Yr. Growth %	4.68	9.51	-7.99	1.79	5.96
Provision For Loan Losses, 1 Yr. Growth %	215.32	-140.58	-155.35	72.79	32.48
Total Revenues, 1 Yr. Growth %	-13.29	26.28	-1.39	3.66	0.29
Earnings From Cont. Operations, 1 Yr. Growth %	-34.76	78.71	-13.92	-3.68	2.33
Net Income, 1 Yr. Growth %	-34.76	78.71	-13.92	-3.68	2.33
Normalized Net Income, 1 Yr. Growth %	-42.01	78.87	-8.85	3.46	-8.7
Diluted EPS Before Extra, 1 Yr. Growth %	-32	90.91	-10.64	-3.45	4.22
Dividend Per Share, 1 Yr. Growth %	9.09	8.33	10.26	6.98	8.7
Gross Loans, 1 Yr. Growth %	-5.65	5.52	6.8	0.76	4
Allowance For Loan Losses, 1 Yr. Growth %	99.68	-34.12	2.38	5.2	-0.76
Net Loans, 1 Yr. Growth %	-6.67	6.34	6.86	0.71	4.06
Non Performing Loans, 1 Yr. Growth %	40.16	-8.83	-16.86	40.06	18.77
Non Performing Assets, 1 Yr. Growth %	34.39	-9.19	-15.62	37.84	18.3
Total Assets, 1 Yr. Growth %	15.84	12.41	-3.73	4.22	2.56
Total Deposits, 1 Yr Growth %	25.14	14.98	-6.5	-0.34	2.16
Tangible Book Value, 1 Yr. Growth %	4.06	-1.74	-0.32	10.5	4.71
Average Interest Earning Assets, 1 Yr. Growth %	13.61	12.88	3.23	1.95	5.28
Average Interest Bearing Liabilities, 1 Yr. Growth %	8.67	9.01	5.85	8.95	8.44
Common Equity, 1 Yr. Growth %	2.9	-1.23	-0.23	7.54	3.48
Total Equity, 1 Yr. Growth %	3.06	-1.05	1.16	6.75	1.34
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-5.12	-6.29	10	15.15	3.37
Non Interest Income, 2 Yr. CAGR %	-0.81	7.07	0.38	-3.22	3.86
Provision For Loan Losses, 2 Yr. CAGR %	85.72	13.12	-52.6	-2.2	51.3
Total Revenues, 2 Yr. CAGR %	-8.03	4.64	11.59	1.1	1.96
Earnings From Cont. Operations, 2 Yr. CAGR %	-20.27	7.97	24.03	-8.94	-0.72
Net Income, 2 Yr. CAGR %	-20.27	7.97	24.03	-8.94	-0.72
Normalized Net Income, 2 Yr. CAGR %	-25.89	1.85	27.69	-2.89	-2.81
Diluted EPS Before Extra, 2 Yr. CAGR %	-15.36	13.94	30.61	-7.12	0.31
Dividend Per Share, 2 Yr. CAGR %	15.47	8.71	9.29	8.6	7.83
Gross Loans, 2 Yr. CAGR %	-1.01	-0.22	6.16	3.74	2.37
Allowance For Loan Losses, 2 Yr. CAGR %	39.94	14.7	-17.87	3.78	2.18
Net Loans, 2 Yr. CAGR %	-1.52	-0.37	6.6	3.74	2.37
Non Performing Loans, 2 Yr. CAGR %	0.7	13.04	-12.94	7.91	28.93
Non Performing Assets, 2 Yr. CAGR %	-0.56	10.48	-12.46	7.85	27.66
Total Assets, 2 Yr. CAGR %	9.43	14.11	4.03	0.17	3.39
Total Deposits, 2 Yr CAGR %	14	19.95	3.69	-3.47	0.91
Tangible Book Value, 2 Yr. CAGR %	1.54	1.12	-1.03	4.95	7.56
Average Interest Earning Assets, 2 Yr. CAGR %	8.19	13.24	7.95	2.59	3.6
Average Interest Bearing Liabilities, 2 Yr. CAGR %	7.6	8.84	7.42	7.39	8.69
Common Equity, 2 Yr. CAGR %	1.11	0.81	-0.73	3.58	5.49
Total Equity, 2 Yr. CAGR %	1.42	0.99	0.05	3.92	4.01
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-1.4	-3.76	2.38	9.5	9.3
Non Interest Income, 3 Yr. CAGR %	0.22	2.52	1.79	0.85	-0.25
Provision For Loan Losses, 3 Yr. CAGR %	49.38	11.86	-10.86	-27.05	8.21
Total Revenues, 3 Yr. CAGR %	-3.94	2.22	2.59	8.88	0.83
Earnings From Cont. Operations, 3 Yr. CAGR %	-0.62	4.35	0.12	14.01	-5.33
Net Income, 3 Yr. CAGR %	-0.62	4.35	0.12	14.01	-5.33
Normalized Net Income, 3 Yr. CAGR %	-13.37	-0.59	-1.85	19.04	-4.87
Diluted EPS Before Extra, 3 Yr. CAGR %	6.25	11	5.07	18.1	-3.48
Dividend Per Share, 3 Yr. CAGR %	22.68	13.04	9.22	8.51	8.63
Gross Loans, 3 Yr. CAGR %	-0.32	1.12	2.07	4.33	3.83
Allowance For Loan Losses, 3 Yr. CAGR %	21.85	8.86	10.44	-10.81	2.24
Net Loans, 3 Yr. CAGR %	-0.63	1.04	1.98	4.6	3.85
Non Performing Loans, 3 Yr. CAGR %	-8	-2.58	2.04	2.01	11.39
Non Performing Assets, 3 Yr. CAGR %	-8.34	-3.52	0.99	1.84	11.2
Total Assets, 3 Yr. CAGR %	7.32	10.42	7.83	4.09	0.96
Total Deposits, 3 Yr CAGR %	11.09	14.33	10.39	2.33	-1.62
Tangible Book Value, 3 Yr. CAGR %	0.68	0.44	0.64	2.67	4.87
Average Interest Earning Assets, 3 Yr. CAGR %	6.44	9.73	9.8	5.91	3.48
Average Interest Bearing Liabilities, 3 Yr. CAGR %	6.67	8.07	7.83	7.92	7.74
Common Equity, 3 Yr. CAGR %	0.49	0.32	0.47	1.95	3.55
Total Equity, 3 Yr. CAGR %	0.72	0.59	1.04	2.24	3.05
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	2.16	0.88	3.01	3.4	2.77
Non Interest Income, 5 Yr. CAGR %	-0.85	1.62	0.29	0.18	2.61
Provision For Loan Losses, 5 Yr. CAGR %	29.06	5.01	-5.62	6.01	10.15
Total Revenues, 5 Yr. CAGR %	-1.44	3.19	1.99	1.77	2.34
Earnings From Cont. Operations, 5 Yr. CAGR %	2.38	12.4	8.59	-1.19	-0.22
Net Income, 5 Yr. CAGR %	2.38	12.4	8.59	-1.19	-0.22
Normalized Net Income, 5 Yr. CAGR %	-3.06	6.31	1.17	-1.52	-2.23
Diluted EPS Before Extra, 5 Yr. CAGR %	7.37	19.12	15.39	3.37	3.14
Dividend Per Share, 5 Yr. CAGR %	29.2	25.55	17.14	11.24	8.67
Gross Loans, 5 Yr. CAGR %	0.68	1.55	2.23	2.16	2.19
Allowance For Loan Losses, 5 Yr. CAGR %	8.98	1.97	4.06	6.8	7.05
Net Loans, 5 Yr. CAGR %	0.54	1.54	2.2	2.11	2.14
Non Performing Loans, 5 Yr. CAGR %	-11.73	-9.62	-10.01	1.49	12.05
Non Performing Assets, 5 Yr. CAGR %	-11.99	-9.97	-10.01	0.88	10.91
Total Assets, 5 Yr. CAGR %	5.63	7.69	5.99	6.2	6.03
Total Deposits, 5 Yr CAGR %	8.44	10.36	8.07	6.85	6.5
Tangible Book Value, 5 Yr. CAGR %	2.27	0.5	-0.01	2.22	3.35
Average Interest Earning Assets, 5 Yr. CAGR %	4.9	6.98	7.04	6.82	7.28
Average Interest Bearing Liabilities, 5 Yr. CAGR %	4.71	6.41	6.97	7.79	8.18
Common Equity, 5 Yr. CAGR %	1.21	0.36	-0	1.61	2.44
Total Equity, 5 Yr. CAGR %	1.27	0.29	0.45	1.91	2.22