Financial Ratios Barclays PLC

Stocks

BARC

GB0031348658

Banks

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Published financial data: BARCLAYS PLC

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	1.12TCr	1.91TCr	3.51TCr	3.83TCr	3.62TCr
Interest Income, Total	1.12TCr	1.91TCr	3.51TCr	3.83TCr	3.62TCr
Interest On Deposits	316.7Cr	852.4Cr	2.24TCr	2.54TCr	2.17TCr
Interest Expense, Total	316.7Cr	852.4Cr	2.24TCr	2.54TCr	2.17TCr
Net Interest Income	807.3Cr	1.06TCr	1.27TCr	1.29TCr	1.45TCr
Income From Trading Activities	579.4Cr	804.9Cr	594.5Cr	576.8Cr	704.2Cr
Gain (Loss) on Sale of Assets	-	-	-	-	-4.3Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-20Cr	-28Cr	-12Cr	-6.8Cr	-3.3Cr
Total Other Non Interest Income	827.4Cr	662Cr	684.3Cr	759.6Cr	763Cr
Non Interest Income, Total	1.39TCr	1.44TCr	1.27TCr	1.33TCr	1.46TCr
Revenues Before Provison For Loan Losses	2.19TCr	2.5TCr	2.54TCr	2.62TCr	2.91TCr
Provision For Loan Losses	-65Cr	122Cr	188.1Cr	198.2Cr	227.9Cr
Total Revenues	2.26TCr	2.37TCr	2.35TCr	2.42TCr	2.68TCr
Salaries And Other Employee Benefits	773.8Cr	874.6Cr	908.6Cr	913.4Cr	975.6Cr
Selling General & Admin Expenses, Total	582.5Cr	633.1Cr	699.3Cr	679.2Cr	706.5Cr
(Income) Loss on Equity Invest.	-26Cr	-60L	90L	-3.7Cr	-6.6Cr
Total Other Non Interest Expense	-	-	-	32Cr	31Cr
Non Interest Expense, Total	1.33TCr	1.51TCr	1.61TCr	1.62TCr	1.71TCr
EBT, Excl. Unusual Items	929Cr	866.5Cr	740.9Cr	804.1Cr	975Cr
Restructuring Charges	-56Cr	70L	-45Cr	-24Cr	-20Cr
Impairment of Goodwill	-	-	-3.3Cr	-	-
Asset Writedown	-14Cr	-6.3Cr	-33Cr	-3.4Cr	-2Cr
Legal Settlements	-18Cr	-159.7Cr	-3.7Cr	-22Cr	-39Cr
Other Unusual Items	-	-	-	56Cr	-
EBT, Incl. Unusual Items	841.4Cr	701.2Cr	655.7Cr	810.8Cr	913.9Cr
Income Tax Expense	118.8Cr	103.9Cr	123.4Cr	175.2Cr	192.6Cr
Earnings From Continuing Operations	722.6Cr	597.3Cr	532.3Cr	635.6Cr	721.3Cr
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	722.6Cr	597.3Cr	532.3Cr	635.6Cr	721.3Cr
Minority Interest	-4.7Cr	-4.5Cr	-6.4Cr	-4.9Cr	-4.1Cr
Net Income - (IS)	717.9Cr	592.8Cr	525.9Cr	630.7Cr	717.2Cr
Preferred Dividend and Other Adjustments	80Cr	90Cr	98Cr	99Cr	100Cr
Net Income to Common Incl Extra Items	637.5Cr	502.3Cr	427.4Cr	531.6Cr	617.5Cr
Net Income to Common Excl. Extra Items	637.5Cr	502.3Cr	427.4Cr	531.6Cr	617.5Cr
Per Share Items
Net EPS - Basic	0.38	0.31	0.28	0.36	0.44
Basic EPS - Continuing Operations	0.38	0.31	0.28	0.36	0.44
Basic Weighted Average Shares Outstanding	1.7TCr	1.63TCr	1.54TCr	1.48TCr	1.41TCr
Net EPS - Diluted	0.37	0.3	0.27	0.35	0.42
Diluted EPS - Continuing Operations	0.37	0.3	0.27	0.35	0.42
Diluted Weighted Average Shares Outstanding	1.74TCr	1.69TCr	1.59TCr	1.53TCr	1.46TCr
Normalized Basic EPS	0.34	0.33	0.3	0.34	0.43
Normalized Diluted EPS	0.33	0.32	0.29	0.33	0.41
Dividend Per Share	0.06	0.07	0.08	0.08	0.09
Payout Ratio	18.33	32.61	41.74	35.07	30.81
American Depositary Receipts Ratio (ADR)	4	4	4	4	4
Supplemental Items
Effective Tax Rate - (Ratio)	14.12	14.82	18.82	21.61	21.07
Total Current Taxes	178.4Cr	60Cr	117.8Cr	165.9Cr	177.4Cr
Total Deferred Taxes	-60Cr	44Cr	5.6Cr	9.3Cr	15Cr
Normalized Net Income	575.92Cr	537.06Cr	456.66Cr	497.66Cr	605.28Cr
Non-Cash Pension Expense	-2.3Cr	-9.9Cr	-22Cr	-15Cr	-14Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	48Cr	51Cr	48Cr	51Cr	65Cr
Total Stock-Based Compensation	48Cr	51Cr	48Cr	51Cr	65Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	24TCr	26TCr	23TCr	21TCr	23TCr
Investment Securities, Total	22TCr	24TCr	29TCr	30TCr	30TCr
Trading Asset Securities, Total	45TCr	48TCr	48TCr	51TCr	49TCr
Total investments	67TCr	72TCr	77TCr	81TCr	79TCr
Gross Loans	36TCr	40TCr	34TCr	34TCr	36TCr
Allowance For Loan Losses	-574.2Cr	-559.2Cr	-572.1Cr	-507Cr	-528.9Cr
Other Adjustments to Gross Loans	-50L	-20L	-	-20L	-10L
Net Loans	35TCr	39TCr	34TCr	34TCr	35TCr
Gross Property Plant And Equipment	926.1Cr	855.3Cr	792.7Cr	808.8Cr	827.7Cr
Accumulated Depreciation	-571.3Cr	-494.2Cr	-451.2Cr	-449.3Cr	-460Cr
Net Property Plant And Equipment	354.8Cr	361.1Cr	341.5Cr	359.5Cr	367.7Cr
Goodwill	389.3Cr	391.2Cr	417.7Cr	445Cr	441.5Cr
Other Intangibles, Total	416.8Cr	432.7Cr	361.7Cr	382.5Cr	386.9Cr
Investment in Real Estate	70L	50L	20L	90L	4.3Cr
Other Receivables	26Cr	38Cr	12Cr	16Cr	28Cr
Restricted Cash	9.73TCr	12TCr	11TCr	12TCr	13TCr
Other Current Assets, Total	-	-	391.6Cr	985.4Cr	593.2Cr
Deferred Tax Assets Long-Term (Collected)	461.9Cr	699.1Cr	596Cr	632.1Cr	499.2Cr
Other Long-Term Assets, Total	766.4Cr	1.02TCr	985.9Cr	808.2Cr	854.7Cr
Total Assets	1,38400Cr	1,51400Cr	1,47700Cr	1,51800Cr	1,54400Cr
Liabilities
Accrued Expenses, Total	417.3Cr	461.8Cr	431.5Cr	447.9Cr	426.1Cr
Interest Bearing Deposits	9.37TCr	14TCr	58TCr	61TCr	63TCr
Non-Interest Bearing Deposits	45TCr	44TCr	-	-	-
Total Deposits	55TCr	59TCr	58TCr	61TCr	63TCr
Short-Term Borrowings	42TCr	46TCr	44TCr	44TCr	40TCr
Current Portion of Long-Term Debt	5.5TCr	6.9TCr	6.66TCr	5.86TCr	7.31TCr
Current Portion of Leases	23Cr	23Cr	17Cr	20Cr	19Cr
Long-Term Debt	14TCr	14TCr	15TCr	17TCr	17TCr
Long-Term Leases	108.7Cr	99Cr	80Cr	101Cr	109.1Cr
Current Income Taxes Payable	74Cr	58Cr	53Cr	57Cr	87Cr
Other Current Liabilities - (Bank / Utility Template)	14TCr	17TCr	16TCr	17TCr	18TCr
Pension & Other Post Retirement Benefits	31Cr	26Cr	27Cr	24Cr	26Cr
Deferred Tax Liability Non-Current	3.7Cr	1.6Cr	2.2Cr	1.8Cr	1.3Cr
Other Non Current Liabilities	495.4Cr	807.4Cr	687.5Cr	503.6Cr	476.1Cr
Total Liabilities	1,31400Cr	1,44400Cr	1,40600Cr	1,44600Cr	1,46600Cr
Common Stock, Total	418.8Cr	396.8Cr	378.9Cr	360.5Cr	346.7Cr
Additional Paid In Capital	35Cr	40Cr	50Cr	58Cr	71Cr
Retained Earnings	5.07TCr	5.28TCr	5.37TCr	5.6TCr	5.93TCr
Treasury Stock	-	-	-	-	-
Comprehensive Income and Other	1.4TCr	1.11TCr	1.32TCr	1.16TCr	1.44TCr
Total Common Equity	6.92TCr	6.83TCr	7.12TCr	7.18TCr	7.78TCr
Minority Interest	99Cr	97Cr	66Cr	66Cr	45Cr
Total Equity	7.02TCr	6.93TCr	7.19TCr	7.25TCr	7.82TCr
Total Liabilities And Equity	1,38400Cr	1,51400Cr	1,47700Cr	1,51800Cr	1,54400Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.67TCr	1.59TCr	1.51TCr	1.44TCr	1.38TCr
ECS Total Common Shares Outstanding	1.67TCr	1.59TCr	1.51TCr	1.44TCr	1.38TCr
Book Value / Share	3.4	3.47	4.7	4.15	4.7
Tangible Book Value	6.12TCr	6.01TCr	6.34TCr	6.35TCr	6.95TCr
Tangible Book Value Per Share	2.92	2.95	4.19	3.57	4.1
Tangible Book Value Per Share (As Reported)	2.92	2.95	3.31	3.57	4.09
Average Assets	-	-	-	-	-
Average Loans	-	-	-	-	-
Total Debt	62TCr	67TCr	65TCr	66TCr	64TCr
Deposits at Interest - Cash	710Cr	728.9Cr	792.3Cr	877.7Cr	933.6Cr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-378.7Cr	-468Cr	-360.2Cr	-319.8Cr	-324.9Cr
Net Debt	-22TCr	-23TCr	-20TCr	-21TCr	-23TCr
Equity Method Investments, Total	100Cr	92Cr	88Cr	89Cr	74Cr
Full Time Employees	81.6T	87.4T	92.4T	93T	93T
Assets on Operating Lease - Gross	-	-	-	-	-
Assets on Operating Lease - Accumulated Depreciation	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	717.9Cr	592.8Cr	525.9Cr	630.7Cr	717.2Cr
Depreciation, Depletion & Amortization	68Cr	61Cr	58Cr	53Cr	51Cr
Amortization of Goodwill and Intangible Assets - (CF)	8Cr	11Cr	8.9Cr	3.5Cr	4.7Cr
Total Depreciation, Depletion & Amortization	76Cr	73Cr	66Cr	57Cr	56Cr
Amortization of Deferred Charges, Total	92Cr	100Cr	111.9Cr	113.3Cr	119.8Cr
(Gain) Loss on Sale of Investments - (CF)	3.9Cr	5.4Cr	1.1Cr	2Cr	5.2Cr
Total Asset Writedown	40Cr	6.3Cr	36Cr	3.4Cr	2Cr
Provision for Credit Losses	-65Cr	122Cr	188.1Cr	198.2Cr	227.9Cr
Change in Trading Asset Securities	-3.47TCr	1.23TCr	-797.3Cr	574.4Cr	-484.7Cr
Change in Other Net Operating Assets (Collected)	3.34TCr	-623.1Cr	-696.7Cr	-2.7TCr	-2.02TCr
Other Operating Activities	324.1Cr	-1.12TCr	1.17TCr	340.2Cr	752.1Cr
Net Cash From Discontinued Operations	-	-	-	-	-
Cash from Operations	1.05TCr	388.2Cr	603.1Cr	-783.9Cr	-621.1Cr
Capital Expenditure	-172Cr	-174.6Cr	-171.8Cr	-157.4Cr	-185.9Cr
Sale of Property, Plant, and Equipment	-	-	-	-	-
Cash Acquisitions	-	-	-241.5Cr	-46Cr	-
Divestitures	105.7Cr	-	-	-	-
Investment in Marketable and Equity Securities, Total	492.6Cr	-2TCr	-1.93TCr	-1.86TCr	322Cr
Other Investing Activities, Total	70L	8.6Cr	2.3Cr	274.9Cr	23Cr
Cash from Investing	427Cr	-2.17TCr	-2.34TCr	-1.79TCr	159.5Cr
Long-Term Debt Issued, Total	1.03TCr	1.26TCr	1.14TCr	1.4TCr	1.31TCr
Total Debt Issued	1.03TCr	1.26TCr	1.14TCr	1.4TCr	1.31TCr
Long-Term Debt Repaid, Total	-828.2Cr	-901.4Cr	-849.1Cr	-761.9Cr	-618.6Cr
Total Debt Repaid	-828.2Cr	-901.4Cr	-849.1Cr	-761.9Cr	-618.6Cr
Issuance of Common Stock	111.8Cr	320.5Cr	325.1Cr	168.4Cr	386.9Cr
Repurchase of Common Stock	-167.4Cr	-413.3Cr	-524.9Cr	-503.4Cr	-623.4Cr
Common Dividends Paid	-131.6Cr	-193.3Cr	-219.5Cr	-221.2Cr	-221Cr
Common & Preferred Stock Dividends Paid	-131.6Cr	-193.3Cr	-219.5Cr	-221.2Cr	-221Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	3.84TCr	2.63TCr	-695.8Cr	1.5TCr	2.5TCr
Other Financing Activities, Total	-4.4Cr	-4.5Cr	-6.4Cr	-4.9Cr	-8.1Cr
Cash from Financing	3.85TCr	2.7TCr	-834.7Cr	1.57TCr	2.72TCr
Foreign Exchange Rate Adjustments	-423.2Cr	1.03TCr	-505.3Cr	-240.7Cr	-173.8Cr
Net Change in Cash	4.91TCr	1.96TCr	-3.08TCr	-1.24TCr	2.09TCr
Supplemental Items
Cash Interest Paid	806.3Cr	2.87TCr	4.82TCr	2.53TCr	2.15TCr
Cash Income Tax Paid (Refund)	133.5Cr	69Cr	84Cr	128.3Cr	139.3Cr
Net Debt Issued / Repaid	202.3Cr	360.2Cr	286.8Cr	639.5Cr	691.2Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.53	0.41	0.36	0.42	0.47
Return On Equity %	10.54	8.58	7.54	8.81	9.57
Return on Common Equity	9.44	7.31	6.13	7.43	8.26
Shareholders Value Added	-49Cr	-220.4Cr	-273.93Cr	-209.26Cr	-163.29Cr
Margin Analysis
SG&A Margin	60.03	63.52	68.43	65.67	62.72
Net Interest Income / Total Revenues %	35.73	44.54	54.09	53.34	54.07
EBT Excl. Non-Recurring Items Margin %	41.12	36.51	31.53	33.16	36.36
Income From Continuing Operations Margin %	31.98	25.16	22.65	26.21	26.9
Net Income Margin %	31.78	24.97	22.38	26.01	26.74
Net Avail. For Common Margin %	28.22	21.16	18.19	21.92	23.03
Normalized Net Income Margin	25.49	22.63	19.43	20.52	22.57
Asset quality
Nonperforming Loans / Total Loans %	2.01	1.78	2.1	2.16	2.11
Nonperforming Loans / Total Assets %	0.52	0.47	0.49	0.49	0.49
Nonperforming Assets / Total Assets %	0.52	0.47	0.49	0.49	0.49
NPAs / Loans and OREO	2.01	1.78	2.1	2.16	2.11
NPAs / Equity	10.3	10.23	10.01	10.23	9.67
Allowance for Credit Losses / Net Charge-offs %	324.41	359.38	508.99	344.66	384.38
Allowance for Credit Losses / Nonperforming Loans %	79.36	78.92	79.56	68.37	69.88
Allowance for Credit Losses / Total Loans %	1.59	1.41	1.67	1.47	1.47
Net Charge-offs / Total Average Loans %	-	-	-	-	-
Provision for Loan Losses / Net Charge-offs %	-36.89	78.41	167.35	134.74	165.62
Earning Assets / IBL	-	-	-	-	-
Interest Income / Average Assets	-	-	-	-	-
Interest Expense / Average Assets	-	-	-	-	-
Net Interest Income / Average Assets	-	-	-	-	-
Non Interest Income / Average Assets	-	-	-	-	-
Non Interest Expense / Average Asset	-	-	-	-	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	4.94	4.74	4.66	4.77	4.89
Total Average Equity / Total Average Assets %	5.01	4.81	4.72	4.82	4.92
Total Equity + Allowance for Loan Losses / Total Loans %	20.78	18.57	22.5	22.34	23.11
Gross Loans / Total Deposits %	65.74	67.81	58.7	56.69	56.65
Net Loans / Total Deposits %	64.69	66.86	57.72	55.85	55.81
Tier 1 Capital Ratio %	19.2	17.9	17.7	16.9	17.9
Total Capital Ratio %	22.3	20.8	20.1	19.6	20.4
Core Tier 1 Capital Ratio	15.1	13.9	13.8	13.6	14.3
Tier 2 Capital Ratio	3.1	2.96	2.44	2.65	2.47
Coverage Ratio	79.36	78.92	79.56	68.37	69.88
Interbank Ratio	27.87	22.9	21.46	24.78	57.49
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	3.66	1.82	1.29	1.32	1.42
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-0.6	30.96	20.21	1.79	12.1
Non Interest Income, 1 Yr. Growth %	0.66	3.73	-11.92	4.95	9.78
Provision For Loan Losses, 1 Yr. Growth %	-113.5	-286.83	54.18	5.37	14.98
Total Revenues, 1 Yr. Growth %	32.43	5.06	-1.01	3.2	10.59
Earnings From Cont. Operations, 1 Yr. Growth %	193.62	-15.35	-10.88	19.41	13.48
Net Income, 1 Yr. Growth %	201.26	-15.42	-11.29	19.93	13.71
Normalized Net Income, 1 Yr. Growth %	162.96	-6.75	-14.97	8.98	21.62
Diluted EPS Before Extra, 1 Yr. Growth %	325.58	-16.29	-9.73	29.37	21.55
Dividend Per Share, 1 Yr. Growth %	500	20.83	10.34	5	2.38
Gross Loans, 1 Yr. Growth %	4.53	10.32	-3	0.67	4.46
Allowance For Loan Losses, 1 Yr. Growth %	-31.11	-2.61	3.08	-11.38	4.32
Net Loans, 1 Yr. Growth %	5.43	10.53	-3.1	0.87	4.46
Non Performing Loans, 1 Yr. Growth %	-19.58	-2.06	1.48	3.13	2.06
Non Performing Assets, 1 Yr. Growth %	-19.58	-2.06	1.48	3.13	2.06
Total Assets, 1 Yr. Growth %	2.58	9.35	-2.39	2.76	1.71
Total Deposits, 1 Yr Growth %	9.14	6.95	-0.76	4.24	4.53
Tangible Book Value, 1 Yr. Growth %	5.73	-1.54	5.59	0.21	9.37
Average Interest Earning Assets, 1 Yr. Growth %	-	-	-	-	-
Average Interest Bearing Liabilities, 1 Yr. Growth %	-	-	-	-	-
Common Equity, 1 Yr. Growth %	5.21	-1.1	4.26	0.87	8.3
Total Equity, 1 Yr. Growth %	4.98	-1.12	3.76	0.86	7.94
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-7.36	14.09	25.47	10.62	6.82
Non Interest Income, 2 Yr. CAGR %	6.46	2.61	-4.42	-3.86	7.34
Provision For Loan Losses, 2 Yr. CAGR %	-41.56	-49.78	69.72	27.46	10.07
Total Revenues, 2 Yr. CAGR %	7.01	18.35	1.98	1.08	6.83
Earnings From Cont. Operations, 2 Yr. CAGR %	46.78	55.79	-13.14	3.16	16.41
Net Income, 2 Yr. CAGR %	48.08	57.72	-13.38	3.15	16.78
Normalized Net Income, 2 Yr. CAGR %	21.49	59.23	-10.95	-3.74	15.13
Diluted EPS Before Extra, 2 Yr. CAGR %	61.11	86.15	-13.07	8.06	25.4
Dividend Per Share, 2 Yr. CAGR %	41.42	169.26	15.47	7.64	3.68
Gross Loans, 2 Yr. CAGR %	3.35	7.39	-2.65	-1.18	2.55
Allowance For Loan Losses, 2 Yr. CAGR %	-4.59	-18.09	-0.18	-4.42	-3.85
Net Loans, 2 Yr. CAGR %	3.54	7.95	-2.69	-1.13	2.65
Non Performing Loans, 2 Yr. CAGR %	-4.44	-11.25	-0.3	2.3	2.59
Non Performing Assets, 2 Yr. CAGR %	-4.44	-11.25	-0.3	2.3	2.59
Total Assets, 2 Yr. CAGR %	10.18	5.91	3.31	0.15	2.23
Total Deposits, 2 Yr CAGR %	11.5	8.04	3.02	1.71	4.39
Tangible Book Value, 2 Yr. CAGR %	4.22	1.89	1.96	2.87	4.69
Average Interest Earning Assets, 2 Yr. CAGR %	-	-	-	-	-
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	-	-	-	-
Common Equity, 2 Yr. CAGR %	3.65	1.88	1.55	2.55	4.52
Total Equity, 2 Yr. CAGR %	3.41	1.76	1.29	2.3	4.34
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-3.78	3.97	16.1	17.02	11.11
Non Interest Income, 3 Yr. CAGR %	4.72	5.54	-2.48	-1.39	0.49
Provision For Loan Losses, 3 Yr. CAGR %	-23.66	-13.91	-27.01	44.79	23.16
Total Revenues, 3 Yr. CAGR %	4.73	6.36	11.51	2.39	4.15
Earnings From Cont. Operations, 3 Yr. CAGR %	40.9	21.21	29.32	-3.42	6.49
Net Income, 3 Yr. CAGR %	45.12	21.88	30.19	-3.46	6.56
Normalized Net Income, 3 Yr. CAGR %	19	11.24	29.18	-4.75	4.07
Diluted EPS Before Extra, 3 Yr. CAGR %	58.45	28.33	46.25	-0.75	12.38
Dividend Per Share, 3 Yr. CAGR %	-2.63	34.2	100	11.87	5.86
Gross Loans, 3 Yr. CAGR %	3.45	5.62	-0.31	-1.56	0.66
Allowance For Loan Losses, 3 Yr. CAGR %	-5.34	-3.94	-11.79	-4.06	-1.59
Net Loans, 3 Yr. CAGR %	3.65	5.82	-0.06	-1.52	0.7
Non Performing Loans, 3 Yr. CAGR %	-5.24	-3.65	-7.2	0.83	2.22
Non Performing Assets, 3 Yr. CAGR %	-5.24	-3.65	-7.2	0.83	2.22
Total Assets, 3 Yr. CAGR %	6.9	9.9	3.07	3.13	0.67
Total Deposits, 3 Yr CAGR %	8.76	9.96	5.02	3.43	2.64
Tangible Book Value, 3 Yr. CAGR %	3.87	2.17	3.11	1.38	4.99
Average Interest Earning Assets, 3 Yr. CAGR %	-	-	-	-	-
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	-	-	-	-
Common Equity, 3 Yr. CAGR %	3.43	1.96	2.67	1.32	4.43
Total Equity, 3 Yr. CAGR %	3.25	1.8	2.42	1.15	4.15
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-5.19	1.44	7	6.58	12.29
Non Interest Income, 5 Yr. CAGR %	4.12	4.73	0.97	1.68	1.33
Provision For Loan Losses, 5 Yr. CAGR %	-20.47	-12.18	5.08	0.72	-13.98
Total Revenues, 5 Yr. CAGR %	2.66	4.63	3.62	4.21	9.62
Earnings From Cont. Operations, 5 Yr. CAGR %	26.43	32.28	15.56	13.64	23.99
Net Income, 5 Yr. CAGR %	28.12	39.83	17.49	14.01	24.65
Normalized Net Income, 5 Yr. CAGR %	15.63	13.76	5.97	4.99	23.37
Diluted EPS Before Extra, 5 Yr. CAGR %	31.93	54.36	23.93	19.8	37.52
Dividend Per Share, 5 Yr. CAGR %	14.87	19.3	4.24	22.87	53.78
Gross Loans, 5 Yr. CAGR %	1.09	4.37	0.96	0.38	0.82
Allowance For Loan Losses, 5 Yr. CAGR %	4.44	3.75	-3.31	-4.28	-8.7
Net Loans, 5 Yr. CAGR %	1.04	4.39	1.07	0.48	1.02
Non Performing Loans, 5 Yr. CAGR %	-	-	-3.3	-1.31	-3.4
Non Performing Assets, 5 Yr. CAGR %	-	-	-3.3	-1.31	-3.4
Total Assets, 5 Yr. CAGR %	2.67	5.96	5.45	5.89	2.73
Total Deposits, 5 Yr CAGR %	7.02	7.8	6.43	6.58	4.77
Tangible Book Value, 5 Yr. CAGR %	1.37	1.39	3.04	2.45	3.74
Average Interest Earning Assets, 5 Yr. CAGR %	-	-	-	-	-
Average Interest Bearing Liabilities, 5 Yr. CAGR %	-	-	-	-	-
Common Equity, 5 Yr. CAGR %	1.31	1.34	2.62	2.2	3.4
Total Equity, 5 Yr. CAGR %	-0.33	0.96	2.42	2	3.19