Financial Ratios Bank of China Limited

Equities

3988

CNE1000001Z5

Banks

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Published financial data: BANK OF CHINA LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	76TCr	79TCr	88TCr	1,04900Cr	1,07200Cr
Interest Income, Total	76TCr	79TCr	88TCr	1,04900Cr	1,07200Cr
Interest On Deposits	34TCr	36TCr	42TCr	58TCr	62TCr
Interest Expense, Total	34TCr	36TCr	42TCr	58TCr	62TCr
Net Interest Income	42TCr	43TCr	46TCr	47TCr	45TCr
Income From Trading Activities	805.5Cr	2.83TCr	1.33TCr	2.87TCr	3.65TCr
Gain (Loss) on Sale of Assets	159.6Cr	196.8Cr	154Cr	167.1Cr	273.7Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	954.7Cr	319.7Cr	205.7Cr	81Cr	1.14TCr
Total Other Non Interest Income	13TCr	15TCr	14TCr	13TCr	13TCr
Non Interest Income, Total	15TCr	18TCr	16TCr	16TCr	18TCr
Revenues Before Provison For Loan Losses	57TCr	61TCr	62TCr	62TCr	63TCr
Provision For Loan Losses	12TCr	10TCr	9.8TCr	11TCr	10TCr
Total Revenues	45TCr	50TCr	52TCr	52TCr	53TCr
Salaries And Other Employee Benefits	8.93TCr	9.93TCr	10TCr	11TCr	11TCr
Occupancy Expense	2.29TCr	2.39TCr	2.39TCr	2.49TCr	2.36TCr
Selling General & Admin Expenses, Total	3.89TCr	4.74TCr	4.56TCr	4.48TCr	4.42TCr
(Income) Loss on Equity Invest.	-16Cr	-147.8Cr	-64Cr	-96Cr	-68Cr
Total Other Non Interest Expense	5.13TCr	5.58TCr	5.89TCr	4.54TCr	5.47TCr
Non Interest Expense, Total	20TCr	22TCr	23TCr	22TCr	24TCr
EBT, Excl. Unusual Items	25TCr	28TCr	29TCr	30TCr	30TCr
Asset Writedown	-212.9Cr	-149Cr	-596Cr	-70Cr	-104.9Cr
EBT, Incl. Unusual Items	25TCr	28TCr	28TCr	30TCr	29TCr
Income Tax Expense	4.13TCr	4.93TCr	4.71TCr	4.92TCr	4.22TCr
Earnings From Continuing Operations	21TCr	23TCr	24TCr	25TCr	25TCr
Net Income to Company	21TCr	23TCr	24TCr	25TCr	25TCr
Minority Interest	-1.22TCr	-1.08TCr	-1.01TCr	-1.45TCr	-1.49TCr
Net Income - (IS)	19TCr	22TCr	23TCr	23TCr	24TCr
Preferred Dividend and Other Adjustments	1.2TCr	1.07TCr	1.34TCr	1.53TCr	1.63TCr
Net Income to Common Incl Extra Items	18TCr	21TCr	21TCr	22TCr	22TCr
Net Income to Common Excl. Extra Items	18TCr	21TCr	21TCr	22TCr	22TCr
Per Share Items
Net EPS - Basic	0.61	0.7	0.73	0.74	0.75
Basic EPS - Continuing Operations	0.61	0.7	0.73	0.74	0.75
Basic Weighted Average Shares Outstanding	29TCr	29TCr	29TCr	29TCr	29TCr
Net EPS - Diluted	0.61	0.7	0.73	0.74	0.75
Diluted EPS - Continuing Operations	0.61	0.7	0.73	0.74	0.75
Diluted Weighted Average Shares Outstanding	29TCr	29TCr	29TCr	29TCr	29TCr
Normalized Basic EPS	0.49	0.55	0.58	0.58	0.58
Normalized Diluted EPS	0.49	0.55	0.58	0.58	0.58
Dividend Per Share	0.2	0.22	0.23	0.24	0.24
Payout Ratio	34.19	32.43	34.51	36.04	36.11
American Depositary Receipts Ratio (ADR)	25	25	25	25	25
Supplemental Items
Effective Tax Rate - (Ratio)	16.76	17.82	16.55	16.66	14.32
Total Current Taxes	5.56TCr	4.26TCr	6.02TCr	5.98TCr	4.31TCr
Total Deferred Taxes	-1.43TCr	670.2Cr	-1.31TCr	-1.06TCr	-85Cr
Normalized Net Income	14TCr	16TCr	17TCr	17TCr	17TCr
Non-Cash Pension Expense	7.4Cr	6.6Cr	5.4Cr	4.8Cr	5.8Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	92TCr	1,83100Cr	1,90300Cr	2,26900Cr	2,07900Cr
Investment Securities, Total	5,89200Cr	6,41200Cr	6,82700Cr	7,59600Cr	8,76300Cr
Trading Asset Securities, Total	65TCr	63TCr	68TCr	66TCr	74TCr
Total investments	6,54200Cr	7,03900Cr	7,50300Cr	8,25400Cr	9,50100Cr
Gross Loans	14,18300Cr	15,67500Cr	17,50700Cr	19,90800Cr	21,54400Cr
Allowance For Loan Losses	-37TCr	-39TCr	-44TCr	-48TCr	-54TCr
Net Loans	13,81500Cr	15,28500Cr	17,07100Cr	19,42300Cr	21,00500Cr
Gross Property Plant And Equipment	40TCr	41TCr	42TCr	43TCr	44TCr
Accumulated Depreciation	-13TCr	-14TCr	-16TCr	-16TCr	-17TCr
Net Property Plant And Equipment	27TCr	27TCr	27TCr	27TCr	26TCr
Goodwill	252.5Cr	248.1Cr	265.1Cr	268.5Cr	282.8Cr
Other Intangibles, Total	2.21TCr	2.31TCr	2.48TCr	2.64TCr	2.92TCr
Investment in Real Estate	2.21TCr	1.96TCr	2.33TCr	2.27TCr	2.24TCr
Accrued Interest Receivable	3.51TCr	3.85TCr	4.88TCr	5.64TCr	5.36TCr
Other Receivables	1,01900Cr	38TCr	28TCr	18TCr	24TCr
Restricted Cash	1,44200Cr	1,47800Cr	1,55100Cr	1,66800Cr	1,54700Cr
Other Current Assets, Total	22TCr	28TCr	13TCr	9.7TCr	18TCr
Deferred Tax Assets Long-Term (Collected)	5.89TCr	5.12TCr	7.02TCr	7.52TCr	6.27TCr
Other Real Estate Owned And Foreclosed	212Cr	204.3Cr	215.3Cr	315.2Cr	217.7Cr
Deferred Charges Long-Term	321.5Cr	332.9Cr	342.5Cr	355.6Cr	340.7Cr
Other Long-Term Assets, Total	2.18TCr	2.88TCr	3.03TCr	8.15TCr	6.54TCr
Total Assets	24,40300Cr	26,72200Cr	28,91400Cr	32,43200Cr	35,06100Cr
Liabilities
Accrued Expenses, Total	3.41TCr	3.97TCr	4.66TCr	5.21TCr	5.7TCr
Interest Bearing Deposits	16,94500Cr	17,92000Cr	19,94000Cr	22,60300Cr	23,84500Cr
Total Deposits	16,94500Cr	17,92000Cr	19,94000Cr	22,60300Cr	23,84500Cr
Short-Term Borrowings	2,11800Cr	2,50400Cr	2,30700Cr	2,20200Cr	2,87700Cr
Current Portion of Long-Term Debt	1,12600Cr	1,49400Cr	2,30900Cr	2,82100Cr	2,99800Cr
Current Portion of Leases	636.9Cr	592.7Cr	625.7Cr	658.5Cr	679.1Cr
Long-Term Debt	1,19700Cr	1,54600Cr	71TCr	91TCr	1,03000Cr
Long-Term Leases	1.55TCr	1.37TCr	1.34TCr	1.22TCr	1.19TCr
Current Income Taxes Payable	5.57TCr	4.5TCr	5.9TCr	5.93TCr	2.9TCr
Accrued Interest Payable	19TCr	23TCr	26TCr	30TCr	36TCr
Other Current Liabilities - (Bank / Utility Template)	9.69TCr	8.07TCr	14TCr	12TCr	26TCr
Unearned Revenue Non Current	1.15TCr	636.2Cr	657.9Cr	686.5Cr	708Cr
Pension & Other Post Retirement Benefits	219.9Cr	209.5Cr	184.2Cr	167.6Cr	159.4Cr
Deferred Tax Liability Non-Current	649.9Cr	700.3Cr	680.4Cr	739.7Cr	913Cr
Other Non Current Liabilities	43TCr	48TCr	54TCr	57TCr	62TCr
Total Liabilities	22,24000Cr	24,37200Cr	26,34600Cr	29,67500Cr	32,10800Cr
Preferred Stock Convertible	15TCr	12TCr	12TCr	12TCr	12TCr
Total Preferred Equity	15TCr	12TCr	12TCr	12TCr	12TCr
Common Stock, Total	29TCr	29TCr	29TCr	29TCr	29TCr
Additional Paid In Capital	13TCr	13TCr	13TCr	13TCr	13TCr
Retained Earnings	1,32600Cr	1,47400Cr	1,62200Cr	1,76500Cr	1,88100Cr
Treasury Stock	-80L	-	-	-	-
Comprehensive Income and Other	14TCr	20TCr	26TCr	32TCr	39TCr
Total Common Equity	1,89100Cr	2,10600Cr	2,30800Cr	2,51000Cr	2,69700Cr
Minority Interest	12TCr	13TCr	14TCr	13TCr	14TCr
Total Equity	2,16300Cr	2,35100Cr	2,56800Cr	2,75700Cr	2,95300Cr
Total Liabilities And Equity	24,40300Cr	26,72200Cr	28,91400Cr	32,43200Cr	35,06100Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	29TCr	29TCr	29TCr	29TCr	29TCr
ECS Total Common Shares Outstanding	29TCr	29TCr	29TCr	29TCr	29TCr
Book Value / Share	5.98	6.47	6.99	7.58	8.18
Tangible Book Value	1,86600Cr	2,08000Cr	2,28100Cr	2,48100Cr	2,66500Cr
Tangible Book Value Per Share	5.9	6.39	6.9	7.48	8.07
Average Loans	13,88400Cr	15,17300Cr	16,75000Cr	18,92500Cr	20,92500Cr
Total Debt	4,46300Cr	5,56300Cr	5,34400Cr	5,94900Cr	6,92500Cr
Deposits at Interest - Cash	1,04100Cr	1,57500Cr	1,45100Cr	2,03400Cr	1,86700Cr
Debt Equivalent of Unfunded Proj. Benefit Obligation	219.9Cr	209.5Cr	184.2Cr	167.6Cr	159.4Cr
Net Debt	2,31500Cr	2,53700Cr	2,09500Cr	2,31700Cr	3,40800Cr
Equity Method Investments, Total	3.35TCr	3.58TCr	3.83TCr	3.96TCr	4.1TCr
Full Time Employees	3L	3L	3L	3L	3L
Number Of Offices	11.55T	11.45T	11.44T	11.48T	11.51T

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	19TCr	22TCr	23TCr	23TCr	24TCr
Depreciation, Depletion & Amortization	2.12TCr	2.41TCr	2.41TCr	2.42TCr	2.31TCr
Amortization of Goodwill and Intangible Assets - (CF)	632.3Cr	466.5Cr	507.2Cr	620.9Cr	612.1Cr
Total Depreciation, Depletion & Amortization	2.75TCr	2.88TCr	2.92TCr	3.04TCr	2.92TCr
(Gain) Loss On Sale of Asset - (CF)	-144.8Cr	-177.3Cr	-143.7Cr	-150.3Cr	-264.8Cr
(Gain) Loss on Sale of Investments - (CF)	-237Cr	-27Cr	-90Cr	350.7Cr	-1.35TCr
Total Asset Writedown	381.6Cr	747.6Cr	584.1Cr	-257.8Cr	-1.5TCr
Provision for Credit Losses	10TCr	9.83TCr	9.28TCr	11TCr	12TCr
(Income) Loss On Equity Investments - (CF)	-16Cr	-147.8Cr	-64Cr	-96Cr	-68Cr
Change in Trading Asset Securities	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-1,17900Cr	-62TCr	-2,27800Cr	-2,07100Cr	-86TCr
Other Operating Activities	-12TCr	-11TCr	-11TCr	-14TCr	-18TCr
Cash from Operations	-97TCr	-38TCr	-2,03100Cr	-1,84600Cr	-68TCr
Capital Expenditure	-3.96TCr	-3.02TCr	-2.77TCr	-2.91TCr	-2.72TCr
Sale of Property, Plant, and Equipment	408.7Cr	778.1Cr	1.28TCr	555.3Cr	1.09TCr
Cash Acquisitions	-1.27TCr	-224Cr	-271.7Cr	-200.5Cr	140.5Cr
Divestitures	108.5Cr	162Cr	84Cr	16Cr	2.3Cr
Investment in Marketable and Equity Securities, Total	-12TCr	-53TCr	-17TCr	-70TCr	-1,00700Cr
Other Investing Activities, Total	15TCr	15TCr	17TCr	19TCr	22TCr
Cash from Investing	-1.71TCr	-40TCr	-2.22TCr	-54TCr	-81TCr
Long-Term Debt Issued, Total	1,13500Cr	1,00500Cr	1,01200Cr	1,31600Cr	1,49800Cr
Total Debt Issued	1,13500Cr	1,00500Cr	1,01200Cr	1,31600Cr	1,49800Cr
Long-Term Debt Repaid, Total	-98TCr	-87TCr	-90TCr	-1,07800Cr	-1,26400Cr
Total Debt Repaid	-98TCr	-87TCr	-90TCr	-1,07800Cr	-1,26400Cr
Issuance of Common Stock	9TCr	7TCr	5TCr	3TCr	5TCr
Repurchase of Common Stock	-	-	-	-	-4TCr
Issuance of Preferred Stock	1.96TCr	-	-	-	-
Repurchase of Preferred Stock	-3.2TCr	-2.8TCr	-	-	-
Common Dividends Paid	-	-5.8TCr	-6.51TCr	-6.83TCr	-6.96TCr
Preferred Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-6.59TCr	-1.22TCr	-1.34TCr	-1.53TCr	-1.63TCr
Common & Preferred Stock Dividends Paid	-6.59TCr	-7.02TCr	-7.85TCr	-8.36TCr	-8.59TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	1,04400Cr	1,22700Cr	2,02000Cr	2,66300Cr	1,23300Cr
Other Financing Activities, Total	-3.6TCr	-3.37TCr	-3.44TCr	-6.52TCr	-4.61TCr
Cash from Financing	1,17100Cr	1,30100Cr	2,07300Cr	2,78300Cr	1,34500Cr
Foreign Exchange Rate Adjustments	-3.36TCr	-4.13TCr	9.64TCr	2.84TCr	-463.6Cr
Net Change in Cash	15TCr	48TCr	12TCr	43TCr	-15TCr
Supplemental Items
Cash Interest Paid	2.38TCr	2.29TCr	2.8TCr	52TCr	54TCr
Cash Income Tax Paid (Refund)	5.87TCr	5.63TCr	4.59TCr	5.88TCr	7.4TCr
Net Debt Issued / Repaid	15TCr	14TCr	12TCr	24TCr	23TCr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.87	0.89	0.85	0.8	0.75
Return On Equity %	9.91	10.07	9.66	9.26	8.85
Return on Common Equity	10.1	10.3	9.7	9	8.51
Shareholders Value Added	-1.58TCr	-1.86TCr	-3.23TCr	-5.07TCr	-6.84TCr
Margin Analysis
SG&A Margin	40.32	33.92	33.07	34.25	34.12
Net Interest Income / Total Revenues %	92.27	84.52	88.4	90.02	84.5
EBT Excl. Non-Recurring Items Margin %	55.13	55.29	55.76	57.17	55.72
Income From Continuing Operations Margin %	45.5	45.2	45.58	47.54	47.57
Net Income Margin %	42.79	43.05	43.64	44.75	44.77
Net Avail. For Common Margin %	40.12	40.94	41.07	41.79	41.7
Normalized Net Income Margin	31.74	32.41	32.92	32.94	32.02
Asset quality
Nonperforming Loans / Total Loans %	1.46	1.33	1.32	1.27	1.25
Nonperforming Loans / Total Assets %	0.85	0.78	0.8	0.78	0.77
Nonperforming Assets / Total Assets %	0.86	0.79	0.81	0.79	0.77
NPAs / Loans and OREO	1.48	1.34	1.34	1.29	1.26
NPAs / Equity	9.68	8.97	9.11	9.3	9.18
Allowance for Credit Losses / Net Charge-offs %	658.44	529.47	873.63	826.57	825.51
Allowance for Credit Losses / Nonperforming Loans %	177.63	186.83	188.52	191.51	200.46
Allowance for Credit Losses / Total Loans %	2.6	2.49	2.49	2.44	2.5
Net Charge-offs / Total Average Loans %	0.4	0.49	0.3	0.31	0.31
Provision for Loan Losses / Net Charge-offs %	211.73	140.02	196.08	181.53	156.99
Earning Assets / IBL	108.36	108.31	108.78	109.65	109.57
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.59	7.82	7.93	7.85	7.71
Total Average Equity / Total Average Assets %	8.78	8.83	8.84	8.68	8.46
Total Equity + Allowance for Loan Losses / Total Loans %	16.97	16.68	16.36	15.64	15.57
Gross Loans / Total Deposits %	83.7	87.47	87.8	88.08	90.35
Net Loans / Total Deposits %	81.53	85.29	85.61	85.93	88.09
Tier 1 Capital Ratio %	13.19	13.32	14.11	13.83	14.38
Total Capital Ratio %	16.22	16.53	17.52	17.74	18.76
Core Tier 1 Capital Ratio	11.28	11.3	11.84	11.63	12.2
Tier 2 Capital Ratio	3.03	3.22	3.41	3.91	4.38
Coverage Ratio	177.63	186.83	188.52	191.51	200.46
Interbank Ratio	71.43	59.62	71.1	63.79	55.22
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.72	1.76	1.68	1.51	1.47
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	6.63	2.22	8.36	1.58	-3.77
Non Interest Income, 1 Yr. Growth %	-3.91	18.12	-12.45	24.39	16.79
Provision For Loan Losses, 1 Yr. Growth %	15.92	-12.87	-4.9	8.68	-3.79
Total Revenues, 1 Yr. Growth %	0.76	11.59	3.59	6.1	2.5
Earnings From Cont. Operations, 1 Yr. Growth %	1.59	10.85	4.47	4.07	2.58
Net Income, 1 Yr. Growth %	2.92	12.28	5.02	2.38	2.56
Normalized Net Income, 1 Yr. Growth %	0.86	13.94	5.21	-0.04	-0.35
Diluted EPS Before Extra, 1 Yr. Growth %	0	14.67	3.94	2.19	1.93
Dividend Per Share, 1 Yr. Growth %	3.14	12.18	4.98	1.9	2.54
Gross Loans, 1 Yr. Growth %	8.82	10.52	11.69	13.72	8.22
Allowance For Loan Losses, 1 Yr. Growth %	13.16	5.95	11.96	11.02	11.11
Net Loans, 1 Yr. Growth %	8.71	10.64	11.68	13.79	8.14
Non Performing Loans, 1 Yr. Growth %	16.29	0.73	10.96	9.29	6.15
Non Performing Assets, 1 Yr. Growth %	15.92	0.69	10.91	9.63	5.7
Total Assets, 1 Yr. Growth %	7.17	9.51	8.2	12.25	8.11
Total Deposits, 1 Yr Growth %	6.79	5.76	11.27	13.35	5.49
Tangible Book Value, 1 Yr. Growth %	11.83	11.46	9.64	8.95	7.41
Average Interest Earning Assets, 1 Yr. Growth %	8.93	8.06	8.13	11.69	9.75
Average Interest Bearing Liabilities, 1 Yr. Growth %	8.95	8.11	7.66	10.63	9.82
Common Equity, 1 Yr. Growth %	11.77	11.35	9.61	8.92	7.44
Total Equity, 1 Yr. Growth %	9.42	8.68	9.23	7.55	7.12
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	7.53	4.4	5.24	4.76	-1.13
Non Interest Income, 2 Yr. CAGR %	3.45	6.54	1.69	-6.5	20.53
Provision For Loan Losses, 2 Yr. CAGR %	9.19	0.5	-9.01	1.64	2.26
Total Revenues, 2 Yr. CAGR %	5.68	6.03	7.52	1.5	4.29
Earnings From Cont. Operations, 2 Yr. CAGR %	3.24	6.12	7.61	4.1	3.32
Net Income, 2 Yr. CAGR %	3.49	7.5	8.59	3.48	2.47
Normalized Net Income, 2 Yr. CAGR %	4.67	7.2	9.49	2.33	-0.2
Diluted EPS Before Extra, 2 Yr. CAGR %	1.79	7.08	9.17	2.56	2.06
Dividend Per Share, 2 Yr. CAGR %	3.47	7.57	8.52	3.43	2.22
Gross Loans, 2 Yr. CAGR %	9.69	9.66	11.1	12.7	10.93
Allowance For Loan Losses, 2 Yr. CAGR %	10.14	9.5	8.92	11.49	11.07
Net Loans, 2 Yr. CAGR %	9.68	9.67	11.16	12.73	10.93
Non Performing Loans, 2 Yr. CAGR %	11.43	8.23	5.72	10.12	7.71
Non Performing Assets, 2 Yr. CAGR %	11.23	8.04	5.67	10.27	7.65
Total Assets, 2 Yr. CAGR %	7.12	8.33	8.85	10.17	10.16
Total Deposits, 2 Yr CAGR %	6.57	6.27	8.48	12.31	9.35
Tangible Book Value, 2 Yr. CAGR %	11.87	11.64	10.55	9.21	8.18
Average Interest Earning Assets, 2 Yr. CAGR %	9.06	8.49	8.09	9.81	10.71
Average Interest Bearing Liabilities, 2 Yr. CAGR %	8.23	8.53	7.89	9.14	10.22
Common Equity, 2 Yr. CAGR %	11.78	11.56	10.48	9.18	8.18
Total Equity, 2 Yr. CAGR %	11.96	9.05	8.96	8.3	7.33
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	7.12	5.73	5.7	3.9	1.83
Non Interest Income, 3 Yr. CAGR %	1.95	8.13	-0.21	1.07	0.69
Provision For Loan Losses, 3 Yr. CAGR %	10.39	1.28	-1.36	-3.47	-0.2
Total Revenues, 3 Yr. CAGR %	4.5	7.61	5.22	4.76	1.83
Earnings From Cont. Operations, 3 Yr. CAGR %	3.5	5.71	5.56	6.3	3.59
Net Income, 3 Yr. CAGR %	3.81	6.34	6.67	6.34	3.17
Normalized Net Income, 3 Yr. CAGR %	4.23	7.67	6.53	6.06	1.43
Diluted EPS Before Extra, 3 Yr. CAGR %	2.89	5.92	6.02	6.45	2.35
Dividend Per Share, 3 Yr. CAGR %	3.83	6.3	6.7	6.27	3.13
Gross Loans, 3 Yr. CAGR %	9.19	9.97	10.33	11.96	11.18
Allowance For Loan Losses, 3 Yr. CAGR %	13.43	8.73	10.31	9.61	11.37
Net Loans, 3 Yr. CAGR %	9.08	10	10.34	12.03	11.18
Non Performing Loans, 3 Yr. CAGR %	9.36	7.74	9.13	6.9	8.78
Non Performing Assets, 3 Yr. CAGR %	9.12	7.6	8.98	6.98	8.72
Total Assets, 3 Yr. CAGR %	7.82	7.91	8.29	9.95	9.48
Total Deposits, 3 Yr CAGR %	6.92	6.3	7.91	10.08	9.99
Tangible Book Value, 3 Yr. CAGR %	10.72	11.73	10.97	9.95	8.61
Average Interest Earning Assets, 3 Yr. CAGR %	6.95	8.72	8.37	9.22	9.79
Average Interest Bearing Liabilities, 3 Yr. CAGR %	7.14	8.19	8.24	8.79	9.36
Common Equity, 3 Yr. CAGR %	10.64	11.64	10.91	9.9	8.6
Total Equity, 3 Yr. CAGR %	11.11	10.86	9.11	8.42	7.9
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	4.82	6.79	6.36	5.34	2.85
Non Interest Income, 5 Yr. CAGR %	1.16	0.28	1.85	2.02	2.99
Provision For Loan Losses, 5 Yr. CAGR %	14.95	2.99	2.18	1.41	0.06
Total Revenues, 5 Yr. CAGR %	1.7	4.93	5.7	5.13	3.5
Earnings From Cont. Operations, 5 Yr. CAGR %	2.71	4.32	5.13	5.07	4.59
Net Income, 5 Yr. CAGR %	2.45	5.64	5.7	5.19	4.88
Normalized Net Income, 5 Yr. CAGR %	1.03	6.53	6.3	5.5	3.7
Diluted EPS Before Extra, 5 Yr. CAGR %	1.6	5.46	5.36	4.56	4.22
Dividend Per Share, 5 Yr. CAGR %	2.4	5.64	5.68	5.14	4.88
Gross Loans, 5 Yr. CAGR %	9.2	9.46	9.95	11.05	10.57
Allowance For Loan Losses, 5 Yr. CAGR %	12.91	10.41	11.6	9.82	10.61
Net Loans, 5 Yr. CAGR %	9.11	9.44	9.91	11.08	10.57
Non Performing Loans, 5 Yr. CAGR %	9.63	7.42	7.89	8.69	8.56
Non Performing Assets, 5 Yr. CAGR %	9.51	7.22	7.73	8.66	8.45
Total Assets, 5 Yr. CAGR %	7.73	8.05	8.23	8.81	9.02
Total Deposits, 5 Yr CAGR %	7.34	6.39	7.54	8.66	8.49
Tangible Book Value, 5 Yr. CAGR %	9.44	9.94	10.65	10.72	9.81
Average Interest Earning Assets, 5 Yr. CAGR %	7.67	7.68	7.41	9.16	9.27
Average Interest Bearing Liabilities, 5 Yr. CAGR %	7.61	7.75	7.44	8.57	9.03
Common Equity, 5 Yr. CAGR %	9.43	9.92	10.57	10.65	9.77
Total Equity, 5 Yr. CAGR %	9.76	9.59	10.24	9.83	8.36