Cash flow Bank of China Limited

Stocks

3988

CNE1000001Z5

Banks

Market Closed - Hong Kong S.E. Other stock markets 01:38:34 16/07/2026 pm IST			5-day change	1st Jan Change
5.100 ^HKD	+1.19%		+1.80%	+14.35%

06/07	China's offshore yuan daily trading in free trade zone surpasses $12 billion	RE
02/07	Hainan Airlines Shareholders Pledge Shares to Secure Debt Extension	MT

a6364.RD3R4GjDEr21sNxYNCBqVf1jonKTou0_fBVcxPtUGuY.PAS1iRLxZ_n69qQrYVAIZssb5AfakcB6K002krUXVaN8f5OaD6U_iPT8qw

Published financial data: BANK OF CHINA LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	79TCr	88TCr	1,04900Cr	1,07200Cr	1,00100Cr
Interest Income, Total	79TCr	88TCr	1,04900Cr	1,07200Cr	1,00100Cr
Interest On Deposits	36TCr	42TCr	58TCr	62TCr	56TCr
Interest Expense, Total	36TCr	42TCr	58TCr	62TCr	56TCr
Net Interest Income	43TCr	46TCr	47TCr	45TCr	44TCr
Income From Trading Activities	2.83TCr	1.33TCr	2.87TCr	3.65TCr	5.21TCr
Gain (Loss) on Sale of Assets	196.8Cr	154Cr	167.1Cr	273.7Cr	218.2Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	319.7Cr	205.7Cr	81Cr	1.14TCr	1.47TCr
Total Other Non Interest Income	15TCr	14TCr	13TCr	13TCr	15TCr
Non Interest Income, Total	18TCr	16TCr	16TCr	18TCr	22TCr
Revenues Before Provison For Loan Losses	61TCr	62TCr	62TCr	63TCr	66TCr
Provision For Loan Losses	10TCr	9.8TCr	11TCr	10TCr	10TCr
Total Revenues	50TCr	52TCr	52TCr	53TCr	56TCr
Salaries And Other Employee Benefits	9.93TCr	10TCr	11TCr	11TCr	12TCr
Occupancy Expense	2.39TCr	2.39TCr	2.49TCr	2.36TCr	2.24TCr
Selling General & Admin Expenses, Total	4.74TCr	4.56TCr	4.48TCr	4.42TCr	4.51TCr
(Income) Loss on Equity Invest.	-147.8Cr	-64Cr	-96Cr	-68Cr	-113.2Cr
Total Other Non Interest Expense	5.58TCr	5.89TCr	4.54TCr	5.47TCr	7.44TCr
Non Interest Expense, Total	22TCr	23TCr	22TCr	24TCr	26TCr
EBT, Excl. Unusual Items	28TCr	29TCr	30TCr	30TCr	30TCr
Asset Writedown	-149Cr	-596Cr	-70Cr	-104.9Cr	-125.7Cr
EBT, Incl. Unusual Items	28TCr	28TCr	30TCr	29TCr	30TCr
Income Tax Expense	4.93TCr	4.71TCr	4.92TCr	4.22TCr	4.34TCr
Earnings From Continuing Operations	23TCr	24TCr	25TCr	25TCr	26TCr
Net Income to Company	23TCr	24TCr	25TCr	25TCr	26TCr
Minority Interest	-1.08TCr	-1.01TCr	-1.45TCr	-1.49TCr	-1.49TCr
Net Income - (IS)	22TCr	23TCr	23TCr	24TCr	24TCr
Preferred Dividend and Other Adjustments	1.07TCr	1.34TCr	1.53TCr	1.63TCr	1.38TCr
Net Income to Common Incl Extra Items	21TCr	21TCr	22TCr	22TCr	23TCr
Net Income to Common Excl. Extra Items	21TCr	21TCr	22TCr	22TCr	23TCr
Per Share Items
Net EPS - Basic	0.7	0.73	0.74	0.75	0.74
Basic EPS - Continuing Operations	0.7	0.73	0.74	0.75	0.74
Basic Weighted Average Shares Outstanding	29TCr	29TCr	29TCr	29TCr	31TCr
Net EPS - Diluted	0.7	0.73	0.74	0.75	0.74
Diluted EPS - Continuing Operations	0.7	0.73	0.74	0.75	0.74
Diluted Weighted Average Shares Outstanding	29TCr	29TCr	29TCr	29TCr	31TCr
Normalized Basic EPS	0.55	0.58	0.58	0.58	0.56
Normalized Diluted EPS	0.55	0.58	0.58	0.58	0.56
Dividend Per Share	0.22	0.23	0.24	0.24	0.23
Payout Ratio	32.43	34.51	36.04	36.11	44.84
American Depositary Receipts Ratio (ADR)	25	25	25	25	25
Supplemental Items
Effective Tax Rate - (Ratio)	17.82	16.55	16.66	14.32	14.39
Total Current Taxes	4.26TCr	6.02TCr	5.98TCr	4.31TCr	5.16TCr
Total Deferred Taxes	670.2Cr	-1.31TCr	-1.06TCr	-85Cr	-823.4Cr
Normalized Net Income	16TCr	17TCr	17TCr	17TCr	17TCr
Non-Cash Pension Expense	6.6Cr	5.4Cr	4.8Cr	5.8Cr	2.6Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	1,83100Cr	1,90300Cr	2,26900Cr	2,07900Cr	2,01200Cr
Investment Securities, Total	6,41200Cr	6,82700Cr	7,59600Cr	8,76300Cr	10,01400Cr
Trading Asset Securities, Total	63TCr	68TCr	66TCr	74TCr	83TCr
Total investments	7,03900Cr	7,50300Cr	8,25400Cr	9,50100Cr	10,84200Cr
Gross Loans	15,67500Cr	17,50700Cr	19,90800Cr	21,54400Cr	23,40800Cr
Allowance For Loan Losses	-39TCr	-44TCr	-48TCr	-54TCr	-58TCr
Net Loans	15,28500Cr	17,07100Cr	19,42300Cr	21,00500Cr	22,83100Cr
Gross Property Plant And Equipment	41TCr	42TCr	43TCr	44TCr	45TCr
Accumulated Depreciation	-14TCr	-16TCr	-16TCr	-17TCr	-17TCr
Net Property Plant And Equipment	27TCr	27TCr	27TCr	26TCr	28TCr
Goodwill	248.1Cr	265.1Cr	268.5Cr	282.8Cr	275.7Cr
Other Intangibles, Total	2.31TCr	2.48TCr	2.64TCr	2.92TCr	3.24TCr
Investment in Real Estate	1.96TCr	2.33TCr	2.27TCr	2.24TCr	2.4TCr
Accrued Interest Receivable	3.85TCr	4.88TCr	5.64TCr	5.36TCr	4.96TCr
Other Receivables	38TCr	28TCr	18TCr	24TCr	25TCr
Restricted Cash	1,47800Cr	1,55100Cr	1,66800Cr	1,54700Cr	1,58500Cr
Other Current Assets, Total	28TCr	13TCr	9.7TCr	18TCr	31TCr
Deferred Tax Assets Long-Term (Collected)	5.12TCr	7.02TCr	7.52TCr	6.27TCr	8.21TCr
Other Real Estate Owned And Foreclosed	204.3Cr	215.3Cr	315.2Cr	217.7Cr	183.9Cr
Deferred Charges Long-Term	332.9Cr	342.5Cr	355.6Cr	340.7Cr	320.4Cr
Other Long-Term Assets, Total	2.88TCr	3.03TCr	8.15TCr	6.54TCr	6.09TCr
Total Assets	26,72200Cr	28,91400Cr	32,43200Cr	35,06100Cr	38,35800Cr
Liabilities
Accrued Expenses, Total	3.97TCr	4.66TCr	5.21TCr	5.7TCr	5.67TCr
Interest Bearing Deposits	17,92000Cr	19,94000Cr	22,60300Cr	23,84500Cr	25,82200Cr
Total Deposits	17,92000Cr	19,94000Cr	22,60300Cr	23,84500Cr	25,82200Cr
Short-Term Borrowings	2,50400Cr	2,30700Cr	2,20200Cr	2,87700Cr	3,25700Cr
Current Portion of Long-Term Debt	1,49400Cr	2,30900Cr	2,82100Cr	2,99800Cr	3,58300Cr
Current Portion of Leases	592.7Cr	625.7Cr	658.5Cr	679.1Cr	500.2Cr
Long-Term Debt	1,54600Cr	71TCr	91TCr	1,03000Cr	1,11600Cr
Long-Term Leases	1.37TCr	1.34TCr	1.22TCr	1.19TCr	1.34TCr
Current Income Taxes Payable	4.5TCr	5.9TCr	5.93TCr	2.9TCr	3.26TCr
Accrued Interest Payable	23TCr	26TCr	30TCr	36TCr	36TCr
Other Current Liabilities - (Bank / Utility Template)	8.07TCr	14TCr	12TCr	26TCr	18TCr
Unearned Revenue Non Current	636.2Cr	657.9Cr	686.5Cr	708Cr	735.5Cr
Pension & Other Post Retirement Benefits	209.5Cr	184.2Cr	167.6Cr	159.4Cr	147.9Cr
Deferred Tax Liability Non-Current	700.3Cr	680.4Cr	739.7Cr	913Cr	1.04TCr
Other Non Current Liabilities	48TCr	54TCr	57TCr	62TCr	70TCr
Total Liabilities	24,37200Cr	26,34600Cr	29,67500Cr	32,10800Cr	35,15000Cr
Preferred Stock Convertible	12TCr	12TCr	12TCr	12TCr	10TCr
Total Preferred Equity	12TCr	12TCr	12TCr	12TCr	10TCr
Common Stock, Total	29TCr	29TCr	29TCr	29TCr	32TCr
Additional Paid In Capital	13TCr	13TCr	13TCr	13TCr	27TCr
Retained Earnings	1,47400Cr	1,62200Cr	1,76500Cr	1,88100Cr	2,04000Cr
Treasury Stock	-	-	-	-	-
Comprehensive Income and Other	20TCr	26TCr	32TCr	39TCr	33TCr
Total Common Equity	2,10600Cr	2,30800Cr	2,51000Cr	2,69700Cr	2,96400Cr
Minority Interest	13TCr	14TCr	13TCr	14TCr	14TCr
Total Equity	2,35100Cr	2,56800Cr	2,75700Cr	2,95300Cr	3,20800Cr
Total Liabilities And Equity	26,72200Cr	28,91400Cr	32,43200Cr	35,06100Cr	38,35800Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	29TCr	29TCr	29TCr	29TCr	32TCr
ECS Total Common Shares Outstanding	29TCr	29TCr	29TCr	29TCr	32TCr
Book Value / Share	6.47	6.99	7.58	8.18	8.36
Tangible Book Value	2,08000Cr	2,28100Cr	2,48100Cr	2,66500Cr	2,92900Cr
Tangible Book Value Per Share	6.39	6.9	7.48	8.07	8.25
Average Loans	15,17300Cr	16,75000Cr	18,92500Cr	20,92500Cr	22,69100Cr
Total Debt	5,56300Cr	5,34400Cr	5,94900Cr	6,92500Cr	7,97400Cr
Deposits at Interest - Cash	1,57500Cr	1,45100Cr	2,03400Cr	1,86700Cr	1,82100Cr
Debt Equivalent of Unfunded Proj. Benefit Obligation	209.5Cr	184.2Cr	167.6Cr	159.4Cr	147.9Cr
Net Debt	2,53700Cr	2,09500Cr	2,31700Cr	3,40800Cr	4,35600Cr
Equity Method Investments, Total	3.58TCr	3.83TCr	3.96TCr	4.1TCr	4.11TCr
Full Time Employees	3L	3L	3L	3L	3L
Number Of Offices	11.45T	11.44T	11.48T	11.51T	11.46T

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	22TCr	23TCr	23TCr	24TCr	24TCr
Depreciation, Depletion & Amortization	2.41TCr	2.41TCr	2.42TCr	2.31TCr	2.26TCr
Amortization of Goodwill and Intangible Assets - (CF)	466.5Cr	507.2Cr	620.9Cr	612.1Cr	538.4Cr
Total Depreciation, Depletion & Amortization	2.88TCr	2.92TCr	3.04TCr	2.92TCr	2.8TCr
(Gain) Loss On Sale of Asset - (CF)	-177.3Cr	-143.7Cr	-150.3Cr	-264.8Cr	-275.4Cr
(Gain) Loss on Sale of Investments - (CF)	-27Cr	-90Cr	350.7Cr	-1.35TCr	-1.51TCr
Total Asset Writedown	747.6Cr	584.1Cr	-257.8Cr	-1.5TCr	-273Cr
Provision for Credit Losses	9.83TCr	9.28TCr	11TCr	12TCr	11TCr
(Income) Loss On Equity Investments - (CF)	-147.8Cr	-64Cr	-96Cr	-68Cr	-113.2Cr
Change in Trading Asset Securities	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-62TCr	-2,27800Cr	-2,07100Cr	-86TCr	-1,34700Cr
Other Operating Activities	-11TCr	-11TCr	-14TCr	-18TCr	-17TCr
Cash from Operations	-38TCr	-2,03100Cr	-1,84600Cr	-68TCr	-1,16500Cr
Capital Expenditure	-3.02TCr	-2.77TCr	-2.91TCr	-2.72TCr	-5.13TCr
Sale of Property, Plant, and Equipment	778.1Cr	1.28TCr	555.3Cr	1.09TCr	1.34TCr
Cash Acquisitions	-224Cr	-271.7Cr	-200.5Cr	140.5Cr	-225.9Cr
Divestitures	162Cr	84Cr	16Cr	2.3Cr	350.7Cr
Investment in Marketable and Equity Securities, Total	-53TCr	-17TCr	-70TCr	-1,00700Cr	-1,26500Cr
Other Investing Activities, Total	15TCr	17TCr	19TCr	22TCr	23TCr
Cash from Investing	-40TCr	-2.22TCr	-54TCr	-81TCr	-1,07200Cr
Long-Term Debt Issued, Total	1,00500Cr	1,01200Cr	1,31600Cr	1,49800Cr	2,03300Cr
Total Debt Issued	1,00500Cr	1,01200Cr	1,31600Cr	1,49800Cr	2,03300Cr
Long-Term Debt Repaid, Total	-87TCr	-90TCr	-1,07800Cr	-1,26400Cr	-1,81300Cr
Total Debt Repaid	-87TCr	-90TCr	-1,07800Cr	-1,26400Cr	-1,81300Cr
Issuance of Common Stock	7TCr	5TCr	3TCr	5TCr	24TCr
Repurchase of Common Stock	-	-	-	-4TCr	-11TCr
Issuance of Preferred Stock	-	-	-	-	-
Repurchase of Preferred Stock	-2.8TCr	-	-	-	-
Common Dividends Paid	-5.8TCr	-6.51TCr	-6.83TCr	-6.96TCr	-9.44TCr
Preferred Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-1.22TCr	-1.34TCr	-1.53TCr	-1.63TCr	-1.46TCr
Common & Preferred Stock Dividends Paid	-7.02TCr	-7.85TCr	-8.36TCr	-8.59TCr	-11TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	1,22700Cr	2,02000Cr	2,66300Cr	1,23300Cr	1,97700Cr
Other Financing Activities, Total	-3.37TCr	-3.44TCr	-6.52TCr	-4.61TCr	-5.03TCr
Cash from Financing	1,30100Cr	2,07300Cr	2,78300Cr	1,34500Cr	2,16600Cr
Foreign Exchange Rate Adjustments	-4.13TCr	9.64TCr	2.84TCr	-463.6Cr	721.9Cr
Net Change in Cash	48TCr	12TCr	43TCr	-15TCr	-6.41TCr
Supplemental Items
Cash Interest Paid	2.29TCr	2.8TCr	52TCr	54TCr	54TCr
Cash Income Tax Paid (Refund)	5.63TCr	4.59TCr	5.88TCr	7.4TCr	5.03TCr
Net Debt Issued / Repaid	14TCr	12TCr	24TCr	23TCr	22TCr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.89	0.85	0.8	0.75	0.7
Return On Equity %	10.07	9.66	9.26	8.85	8.37
Return on Common Equity	10.3	9.7	9	8.51	8.1
Shareholders Value Added	-1.86TCr	-3.23TCr	-5.07TCr	-6.84TCr	-9.12TCr
Margin Analysis
SG&A Margin	33.92	33.07	34.25	34.12	32.78
Net Interest Income / Total Revenues %	84.52	88.4	90.02	84.5	78.82
EBT Excl. Non-Recurring Items Margin %	55.29	55.76	57.17	55.72	54.11
Income From Continuing Operations Margin %	45.2	45.58	47.54	47.57	46.13
Net Income Margin %	43.05	43.64	44.75	44.77	43.47
Net Avail. For Common Margin %	40.94	41.07	41.79	41.7	40.99
Normalized Net Income Margin	32.41	32.92	32.94	32.02	31.15
Asset quality
Nonperforming Loans / Total Loans %	1.33	1.32	1.27	1.25	1.23
Nonperforming Loans / Total Assets %	0.78	0.8	0.78	0.77	0.75
Nonperforming Assets / Total Assets %	0.79	0.81	0.79	0.77	0.76
NPAs / Loans and OREO	1.34	1.34	1.29	1.26	1.24
NPAs / Equity	8.97	9.11	9.3	9.18	9.04
Allowance for Credit Losses / Net Charge-offs %	529.47	873.63	826.57	825.51	881.29
Allowance for Credit Losses / Nonperforming Loans %	186.83	188.52	191.51	200.46	200.23
Allowance for Credit Losses / Total Loans %	2.49	2.49	2.44	2.5	2.46
Net Charge-offs / Total Average Loans %	0.49	0.3	0.31	0.31	0.29
Provision for Loan Losses / Net Charge-offs %	140.02	196.08	181.53	156.99	155.87
Earning Assets / IBL	108.31	108.78	109.65	109.57	109.53
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.82	7.93	7.85	7.71	7.71
Total Average Equity / Total Average Assets %	8.83	8.84	8.68	8.46	8.39
Total Equity + Allowance for Loan Losses / Total Loans %	16.68	16.36	15.64	15.57	15.55
Gross Loans / Total Deposits %	87.47	87.8	88.08	90.35	90.65
Net Loans / Total Deposits %	85.29	85.61	85.93	88.09	88.42
Tier 1 Capital Ratio %	13.32	14.11	13.83	14.38	14.34
Total Capital Ratio %	16.53	17.52	17.74	18.76	18.85
Core Tier 1 Capital Ratio	11.3	11.84	11.63	12.2	12.53
Tier 2 Capital Ratio	3.22	3.41	3.91	4.38	4.51
Coverage Ratio	186.83	188.52	191.51	200.46	200.23
Interbank Ratio	59.62	71.1	63.79	55.22	53.62
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.76	1.68	1.51	1.47	1.54
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	2.22	8.36	1.58	-3.77	-1.83
Non Interest Income, 1 Yr. Growth %	18.12	-12.45	24.39	16.79	19.28
Provision For Loan Losses, 1 Yr. Growth %	-12.87	-4.9	8.68	-3.79	-0.45
Total Revenues, 1 Yr. Growth %	11.59	3.59	6.1	2.5	5.24
Earnings From Cont. Operations, 1 Yr. Growth %	10.85	4.47	4.07	2.58	2.06
Net Income, 1 Yr. Growth %	12.28	5.02	2.38	2.56	2.18
Normalized Net Income, 1 Yr. Growth %	13.94	5.21	-0.04	-0.35	2.38
Diluted EPS Before Extra, 1 Yr. Growth %	14.67	3.94	2.19	1.93	-1.33
Dividend Per Share, 1 Yr. Growth %	12.18	4.98	1.9	2.54	-6.64
Gross Loans, 1 Yr. Growth %	10.52	11.69	13.72	8.22	8.65
Allowance For Loan Losses, 1 Yr. Growth %	5.95	11.96	11.02	11.11	7.04
Net Loans, 1 Yr. Growth %	10.64	11.68	13.79	8.14	8.69
Non Performing Loans, 1 Yr. Growth %	0.73	10.96	9.29	6.15	7.16
Non Performing Assets, 1 Yr. Growth %	0.69	10.91	9.63	5.7	6.98
Total Assets, 1 Yr. Growth %	9.51	8.2	12.25	8.11	9.4
Total Deposits, 1 Yr Growth %	5.76	11.27	13.35	5.49	8.29
Tangible Book Value, 1 Yr. Growth %	11.46	9.64	8.95	7.41	9.92
Average Interest Earning Assets, 1 Yr. Growth %	8.06	8.13	11.69	9.75	9.26
Average Interest Bearing Liabilities, 1 Yr. Growth %	8.11	7.66	10.63	9.82	9.3
Common Equity, 1 Yr. Growth %	11.35	9.61	8.92	7.44	9.92
Total Equity, 1 Yr. Growth %	8.68	9.23	7.55	7.12	8.64
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	4.4	5.24	4.76	-1.13	-2.81
Non Interest Income, 2 Yr. CAGR %	6.54	1.69	-6.5	20.53	18.03
Provision For Loan Losses, 2 Yr. CAGR %	0.5	-9.01	1.64	2.26	-2.13
Total Revenues, 2 Yr. CAGR %	6.03	7.52	1.5	4.29	3.87
Earnings From Cont. Operations, 2 Yr. CAGR %	6.12	7.61	4.1	3.32	2.32
Net Income, 2 Yr. CAGR %	7.5	8.59	3.48	2.47	2.37
Normalized Net Income, 2 Yr. CAGR %	7.2	9.49	2.33	-0.2	1.01
Diluted EPS Before Extra, 2 Yr. CAGR %	7.08	9.17	2.56	2.06	0.29
Dividend Per Share, 2 Yr. CAGR %	7.57	8.52	3.43	2.22	-2.16
Gross Loans, 2 Yr. CAGR %	9.66	11.1	12.7	10.93	8.43
Allowance For Loan Losses, 2 Yr. CAGR %	9.5	8.92	11.49	11.07	9.06
Net Loans, 2 Yr. CAGR %	9.67	11.16	12.73	10.93	8.42
Non Performing Loans, 2 Yr. CAGR %	8.23	5.72	10.12	7.71	6.66
Non Performing Assets, 2 Yr. CAGR %	8.04	5.67	10.27	7.65	6.34
Total Assets, 2 Yr. CAGR %	8.33	8.85	10.17	10.16	8.75
Total Deposits, 2 Yr CAGR %	6.27	8.48	12.31	9.35	6.88
Tangible Book Value, 2 Yr. CAGR %	11.64	10.55	9.21	8.18	8.66
Average Interest Earning Assets, 2 Yr. CAGR %	8.49	8.09	9.81	10.71	9.5
Average Interest Bearing Liabilities, 2 Yr. CAGR %	8.53	7.89	9.14	10.22	9.56
Common Equity, 2 Yr. CAGR %	11.56	10.48	9.18	8.18	8.67
Total Equity, 2 Yr. CAGR %	9.05	8.96	8.3	7.33	7.88
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	5.73	5.7	3.9	1.83	-1.37
Non Interest Income, 3 Yr. CAGR %	8.13	-0.21	1.07	0.69	20.11
Provision For Loan Losses, 3 Yr. CAGR %	1.28	-1.36	-3.47	-0.2	1.35
Total Revenues, 3 Yr. CAGR %	7.61	5.22	4.76	1.83	4.6
Earnings From Cont. Operations, 3 Yr. CAGR %	5.71	5.56	6.3	3.59	2.9
Net Income, 3 Yr. CAGR %	6.34	6.67	6.34	3.17	2.37
Normalized Net Income, 3 Yr. CAGR %	7.67	6.53	6.06	1.43	0.65
Diluted EPS Before Extra, 3 Yr. CAGR %	5.92	6.02	6.45	2.35	0.92
Dividend Per Share, 3 Yr. CAGR %	6.3	6.7	6.27	3.13	-0.83
Gross Loans, 3 Yr. CAGR %	9.97	10.33	11.96	11.18	10.17
Allowance For Loan Losses, 3 Yr. CAGR %	8.73	10.31	9.61	11.37	9.71
Net Loans, 3 Yr. CAGR %	10	10.34	12.03	11.18	10.18
Non Performing Loans, 3 Yr. CAGR %	7.74	9.13	6.9	8.78	7.53
Non Performing Assets, 3 Yr. CAGR %	7.6	8.98	6.98	8.72	7.42
Total Assets, 3 Yr. CAGR %	7.91	8.29	9.95	9.48	9.91
Total Deposits, 3 Yr CAGR %	6.3	7.91	10.08	9.99	9
Tangible Book Value, 3 Yr. CAGR %	11.73	10.97	9.95	8.61	8.76
Average Interest Earning Assets, 3 Yr. CAGR %	8.72	8.37	9.22	9.79	10.23
Average Interest Bearing Liabilities, 3 Yr. CAGR %	8.19	8.24	8.79	9.36	9.92
Common Equity, 3 Yr. CAGR %	11.64	10.91	9.9	8.6	8.75
Total Equity, 3 Yr. CAGR %	10.86	9.11	8.42	7.9	7.77
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	6.79	6.36	5.34	2.85	1.16
Non Interest Income, 5 Yr. CAGR %	0.28	1.85	2.02	2.99	7.54
Provision For Loan Losses, 5 Yr. CAGR %	2.99	2.18	1.41	0.06	-2.94
Total Revenues, 5 Yr. CAGR %	4.93	5.7	5.13	3.5	4.4
Earnings From Cont. Operations, 5 Yr. CAGR %	4.32	5.13	5.07	4.59	4.69
Net Income, 5 Yr. CAGR %	5.64	5.7	5.19	4.88	4.73
Normalized Net Income, 5 Yr. CAGR %	6.53	6.3	5.5	3.7	4.01
Diluted EPS Before Extra, 5 Yr. CAGR %	5.46	5.36	4.56	4.22	3.94
Dividend Per Share, 5 Yr. CAGR %	5.64	5.68	5.14	4.88	2.81
Gross Loans, 5 Yr. CAGR %	9.46	9.95	11.05	10.57	10.54
Allowance For Loan Losses, 5 Yr. CAGR %	10.41	11.6	9.82	10.61	9.39
Net Loans, 5 Yr. CAGR %	9.44	9.91	11.08	10.57	10.57
Non Performing Loans, 5 Yr. CAGR %	7.42	7.89	8.69	8.56	6.8
Non Performing Assets, 5 Yr. CAGR %	7.22	7.73	8.66	8.45	6.72
Total Assets, 5 Yr. CAGR %	8.05	8.23	8.81	9.02	9.47
Total Deposits, 5 Yr CAGR %	6.39	7.54	8.66	8.49	8.79
Tangible Book Value, 5 Yr. CAGR %	9.94	10.65	10.72	9.81	9.43
Average Interest Earning Assets, 5 Yr. CAGR %	7.68	7.41	9.16	9.27	9.33
Average Interest Bearing Liabilities, 5 Yr. CAGR %	7.75	7.44	8.57	9.03	9.1
Common Equity, 5 Yr. CAGR %	9.92	10.57	10.65	9.77	9.41
Total Equity, 5 Yr. CAGR %	9.59	10.24	9.83	8.36	8.2