Cash flow BBVA

Equities

BBVA

ES0113211835

Banks

Market Closed - BME Other stock markets 10:05:21 12/03/2026 pm IST			5-day change	1st Jan Change
18.18 ^EUR	-3.53%		-1.97%	-9.30%

12/03	European Equities Traded in US as ADRs Slump in Thursday Trading	MT
12/03	IBEX 35 extends losses as focus shifts to oil and inflation fears	RE

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Published financial data: BBVA

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	2.3TCr	2.84TCr	4.14TCr	5.52TCr	5.28TCr
Interest Income On Investments	18Cr	318.7Cr	654.2Cr	655.5Cr	565.3Cr
Interest Income, Total	2.32TCr	3.16TCr	4.8TCr	6.18TCr	5.85TCr
Interest On Deposits	746.9Cr	1.11TCr	2.48TCr	3.38TCr	2.62TCr
Total Interest On Borrowings	86Cr	115.4Cr	-	257Cr	588.3Cr
Interest Expense, Total	832.8Cr	1.23TCr	2.48TCr	3.64TCr	3.21TCr
Net Interest Income	1.49TCr	1.93TCr	2.32TCr	2.54TCr	2.64TCr
Income From Trading Activities	34Cr	56Cr	135.2Cr	245.8Cr	225.5Cr
Gain (Loss) on Sale of Loans	-	-	4.1Cr	2Cr	2.4Cr
Gain (Loss) on Sale of Assets	-1.6Cr	-12Cr	5Cr	-30L	1.8Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	88Cr	10Cr	42Cr	74Cr	72Cr
Income (Loss) on Equity Invest. (Income Block)	10L	2.1Cr	2.6Cr	4Cr	6.2Cr
Total Other Non Interest Income	537Cr	657.2Cr	645.4Cr	861.7Cr	826.4Cr
Non Interest Income, Total	658Cr	714.1Cr	834Cr	1.19TCr	1.13TCr
Revenues Before Provison For Loan Losses	2.14TCr	2.64TCr	3.15TCr	3.73TCr	3.77TCr
Provision For Loan Losses	301.7Cr	330.3Cr	438.6Cr	568.7Cr	610.1Cr
Total Revenues	1.84TCr	2.31TCr	2.72TCr	3.16TCr	3.16TCr
Salaries And Other Employee Benefits	501.3Cr	558Cr	653Cr	765.9Cr	774.8Cr
Amort. of Goodwill & Intang. Assets	123.4Cr	-	-	-	-
Occupancy Expense	-	132.8Cr	140.3Cr	153.3Cr	152.1Cr
Selling General & Admin Expenses, Total	293.5Cr	348.2Cr	392.4Cr	452Cr	474.1Cr
Total Other Non Interest Expense	52Cr	50Cr	66Cr	50Cr	48Cr
Non Interest Expense, Total	970.2Cr	1.09TCr	1.25TCr	1.42TCr	1.45TCr
EBT, Excl. Unusual Items	872.4Cr	1.22TCr	1.46TCr	1.74TCr	1.72TCr
Restructuring Charges	-75Cr	-	-	-	-
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-18Cr	2.8Cr	-4.2Cr	1.4Cr	2.7Cr
Legal Settlements	-14Cr	-21Cr	-17Cr	-19Cr	-21Cr
Other Unusual Items	-41Cr	-168.7Cr	-200.7Cr	-177.5Cr	-74Cr
EBT, Incl. Unusual Items	724.7Cr	1.04TCr	1.24TCr	1.54TCr	1.62TCr
Income Tax Expense	190.9Cr	352.9Cr	400.3Cr	483Cr	510Cr
Earnings From Continuing Operations	533.8Cr	682.7Cr	841.6Cr	1.06TCr	1.11TCr
Earnings Of Discontinued Operations	28Cr	-	-	-	-
Net Income to Company	561.8Cr	682.7Cr	841.6Cr	1.06TCr	1.11TCr
Minority Interest	-96Cr	-41Cr	-40Cr	-52Cr	-62Cr
Net Income - (IS)	465.3Cr	642Cr	801.9Cr	1.01TCr	1.05TCr
Preferred Dividend and Other Adjustments	36Cr	31Cr	34Cr	39Cr	40Cr
Net Income to Common Incl Extra Items	429.4Cr	610.7Cr	767.4Cr	966.6Cr	1.01TCr
Net Income to Common Excl. Extra Items	401.4Cr	610.7Cr	767.4Cr	966.6Cr	1.01TCr
Per Share Items
Net EPS - Basic	0.67	0.99	1.29	1.68	1.76
Basic EPS - Continuing Operations	0.63	0.99	1.29	1.68	1.76
Basic Weighted Average Shares Outstanding	640.1Cr	618.9Cr	595.4Cr	576.9Cr	574.8Cr
Net EPS - Diluted	0.67	0.99	1.29	1.68	1.76
Diluted EPS - Continuing Operations	0.63	0.99	1.29	1.68	1.76
Diluted Weighted Average Shares Outstanding	640.1Cr	618.9Cr	595.4Cr	576.9Cr	574.8Cr
Normalized Basic EPS	0.7	1.17	1.47	1.79	1.76
Normalized Diluted EPS	0.7	1.17	1.47	1.79	1.76
Dividend Per Share	0.31	0.43	0.55	0.7	0.92
Payout Ratio	19.9	34.03	35.02	38.92	39.92
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	26.34	34.08	32.23	31.35	31.43
Total Current Taxes	-	-	-	-	-
Normalized Net Income	448.75Cr	723.36Cr	875.24Cr	1.03TCr	1.01TCr
Non-Cash Pension Expense	6.4Cr	16Cr	22Cr	20Cr	17Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	3.3Cr	3.2Cr	-	-	2.5Cr
Total Stock-Based Compensation	3.3Cr	3.2Cr	-	-	2.5Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	687.7Cr	653.3Cr	1.47TCr	1.58TCr	1.6TCr
Investment Securities, Total	11TCr	12TCr	13TCr	14TCr	15TCr
Trading Asset Securities, Total	13TCr	11TCr	14TCr	11TCr	12TCr
Total investments	24TCr	23TCr	27TCr	25TCr	28TCr
Gross Loans	35TCr	38TCr	41TCr	45TCr	50TCr
Allowance For Loan Losses	-1.11TCr	-1.12TCr	-1.13TCr	-1.16TCr	-1.23TCr
Net Loans	34TCr	37TCr	40TCr	43TCr	49TCr
Gross Property Plant And Equipment	1.28TCr	1.46TCr	1.6TCr	1.71TCr	1.73TCr
Accumulated Depreciation	-562.4Cr	-604.3Cr	-688Cr	-752Cr	-797.1Cr
Net Property Plant And Equipment	718.9Cr	853.5Cr	912.9Cr	958.4Cr	929.4Cr
Goodwill	82Cr	71Cr	80Cr	70Cr	72Cr
Other Intangibles, Total	137.9Cr	144.9Cr	156.8Cr	179Cr	214Cr
Investment in Real Estate	11Cr	20Cr	12Cr	18Cr	19Cr
Accrued Interest Receivable	73Cr	149Cr	136.8Cr	186.2Cr	210.1Cr
Other Receivables	93Cr	197.8Cr	286Cr	429.5Cr	399.8Cr
Restricted Cash	5.5TCr	6.73TCr	6.08TCr	3.53TCr	4.29TCr
Other Current Assets, Total	65Cr	133.5Cr	26Cr	151.7Cr	149.2Cr
Deferred Tax Assets Long-Term (Collected)	1.49TCr	1.45TCr	1.46TCr	1.44TCr	1.39TCr
Other Real Estate Owned And Foreclosed	84Cr	1.2Cr	94Cr	61Cr	52Cr
Other Long-Term Assets, Total	104.7Cr	101.1Cr	142.5Cr	255.4Cr	177.6Cr
Total Assets	66TCr	71TCr	78TCr	77TCr	86TCr
Liabilities
Accrued Expenses, Total	213.7Cr	256.6Cr	287.8Cr	306.7Cr	346.3Cr
Interest Bearing Deposits	11TCr	12TCr	12TCr	13TCr	16TCr
Non-Interest Bearing Deposits	30TCr	33TCr	32TCr	34TCr	37TCr
Total Deposits	41TCr	45TCr	44TCr	47TCr	53TCr
Short-Term Borrowings	4.48TCr	5.18TCr	6.84TCr	6.48TCr	6.35TCr
Current Portion of Leases	22Cr	14Cr	24Cr	18Cr	23Cr
Long-Term Debt	5.92TCr	5.87TCr	7.27TCr	7.45TCr	8.78TCr
Long-Term Leases	234.2Cr	125.6Cr	127Cr	129.2Cr	123.6Cr
Current Income Taxes Payable	64Cr	141.5Cr	88Cr	58Cr	148Cr
Accrued Interest Payable	-	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	6.51TCr	6.34TCr	9.38TCr	5.91TCr	6.7TCr
Pension & Other Post Retirement Benefits	420.8Cr	309.8Cr	300.6Cr	273.2Cr	259.9Cr
Deferred Tax Liability Non-Current	176.9Cr	132.6Cr	167.7Cr	245.8Cr	254Cr
Other Non Current Liabilities	2.64TCr	2.95TCr	3.36TCr	3.53TCr	4.17TCr
Total Liabilities	61TCr	66TCr	72TCr	71TCr	80TCr
Common Stock, Total	326.7Cr	295.5Cr	286.1Cr	282.4Cr	279.7Cr
Additional Paid In Capital	2.36TCr	2.09TCr	1.98TCr	1.92TCr	1.85TCr
Retained Earnings	3.6TCr	3.82TCr	4.33TCr	4.91TCr	5.5TCr
Treasury Stock	-65Cr	-2.9Cr	-3.4Cr	-6.6Cr	-30Cr
Comprehensive Income and Other	-1.83TCr	-1.5TCr	-1.42TCr	-1.54TCr	-1.86TCr
Total Common Equity	4.39TCr	4.7TCr	5.17TCr	5.57TCr	5.74TCr
Minority Interest	485.3Cr	362.4Cr	356.4Cr	435.9Cr	444.1Cr
Total Equity	4.88TCr	5.06TCr	5.53TCr	6TCr	6.18TCr
Total Liabilities And Equity	66TCr	71TCr	78TCr	77TCr	86TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	654.03Cr	602.46Cr	583.36Cr	575.66Cr	569.14Cr
ECS Total Common Shares Outstanding	654.03Cr	602.46Cr	583.36Cr	575.66Cr	569.14Cr
Book Value / Share	6.71	7.8	8.86	9.67	10.08
Tangible Book Value	4.17TCr	4.48TCr	4.93TCr	5.32TCr	5.45TCr
Tangible Book Value Per Share	6.38	7.44	8.46	9.24	9.58
Tangible Book Value Per Share (As Reported)	6.52	7.44	8.46	-	9.69
Average Assets	68TCr	70TCr	75TCr	78TCr	82TCr
Average Loans	33TCr	36TCr	38TCr	42TCr	-
Total Debt	11TCr	11TCr	14TCr	14TCr	15TCr
Deposits at Interest - Cash	-	-	-	-	-
Debt Equivalent of Unfunded Proj. Benefit Obligation	367.6Cr	265.9Cr	258.6Cr	244.6Cr	231Cr
Net Debt	-3.44TCr	-1.83TCr	-2.04TCr	542.5Cr	424.2Cr
Equity Method Investments, Total	90Cr	92Cr	98Cr	99Cr	99Cr
Full Time Employees	1L	1L	1L	1L	1L
Part Time Employees	-	-	224	-	175
Number Of Offices	6.08T	6.04T	5.95T	5.75T	5.64T
Assets on Operating Lease - Gross	27Cr	58Cr	80Cr	115.8Cr	108.5Cr
Assets on Operating Lease - Accumulated Depreciation	-3.3Cr	-5.2Cr	-4.9Cr	-15Cr	-21Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	465.3Cr	642Cr	801.9Cr	1.01TCr	1.05TCr
Depreciation, Depletion & Amortization	74Cr	82Cr	87Cr	97Cr	95Cr
Amortization of Goodwill and Intangible Assets - (CF)	4.8Cr	2Cr	1.9Cr	1.8Cr	90L
Total Depreciation, Depletion & Amortization	79Cr	84Cr	88Cr	99Cr	96Cr
Amortization of Deferred Charges, Total	45Cr	49Cr	52Cr	54Cr	57Cr
Change in Trading Asset Securities	-989Cr	1.48TCr	-2.54TCr	2.74TCr	-1.35TCr
Change in Other Net Operating Assets (Collected)	-311.2Cr	-648.1Cr	947.9Cr	-6.54TCr	625.8Cr
Other Operating Activities	587.3Cr	761.4Cr	579.2Cr	817.4Cr	1.01TCr
Cash from Operations	-124.2Cr	2.37TCr	-72Cr	-1.82TCr	1.5TCr
Capital Expenditure	-40Cr	-181.2Cr	-112.9Cr	-119.5Cr	-83Cr
Sale of Property, Plant, and Equipment	7.8Cr	2.9Cr	9.2Cr	10Cr	8.3Cr
Cash Acquisitions	-	-138.9Cr	-	-2.8Cr	-
Divestitures	22Cr	-	2.1Cr	7.3Cr	5Cr
Purchase / Sale of Intangible Assets	-55Cr	-63Cr	-69Cr	-82Cr	-98Cr
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	54Cr	4.6Cr	-3.5Cr	3.1Cr	8.2Cr
Other Investing Activities, Total	-152.9Cr	-16Cr	32Cr	41Cr	19Cr
Cash from Investing	-163.4Cr	-391.1Cr	-141.9Cr	-142.3Cr	-140.3Cr
Long-Term Debt Issued, Total	-	-	467.2Cr	551.4Cr	498.7Cr
Total Debt Issued	-	-	467.2Cr	551.4Cr	498.7Cr
Long-Term Debt Repaid, Total	-230.1Cr	-225.8Cr	-162.9Cr	-259.9Cr	-264.7Cr
Total Debt Repaid	-230.1Cr	-225.8Cr	-162.9Cr	-259.9Cr	-264.7Cr
Issuance of Common Stock	44Cr	43Cr	71Cr	69Cr	76Cr
Repurchase of Common Stock	-102.2Cr	-298.3Cr	-216.6Cr	-152.9Cr	-199.5Cr
Common Dividends Paid	-93Cr	-218.5Cr	-280.8Cr	-391.3Cr	-419.6Cr
Common & Preferred Stock Dividends Paid	-93Cr	-218.5Cr	-280.8Cr	-391.3Cr	-419.6Cr
Other Financing Activities, Total	-54Cr	-57Cr	-62Cr	-73Cr	-58Cr
Cash from Financing	-434.9Cr	-756.3Cr	-184.2Cr	-256.7Cr	-367.3Cr
Foreign Exchange Rate Adjustments	-186.4Cr	-29Cr	-36Cr	-209.1Cr	-220.1Cr
Miscellaneous Cash Flow Adjustments	-	10L	-	-	10L
Net Change in Cash	-908.9Cr	1.2TCr	-433.9Cr	-2.43TCr	769.2Cr
Supplemental Items
Cash Income Tax Paid (Refund)	154.6Cr	323.4Cr	535.3Cr	563.1Cr	332.8Cr
Net Debt Issued / Repaid	-230.1Cr	-225.8Cr	304.3Cr	291.5Cr	234Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.76	0.99	1.13	1.37	1.36
Return On Equity %	10.81	13.74	15.91	18.35	18.27
Return on Common Equity	9.08	13.44	15.57	18.01	17.9
Shareholders Value Added	-13Cr	99Cr	212.22Cr	363.07Cr	373.95Cr
Margin Analysis
SG&A Margin	43.13	44.95	43.65	43.43	44.27
Net Interest Income / Total Revenues %	80.66	83.4	85.44	80.41	83.43
EBT Excl. Non-Recurring Items Margin %	47.35	52.89	53.9	54.98	54.2
Income From Continuing Operations Margin %	28.97	29.54	30.99	33.5	35.16
Net Income Margin %	25.25	27.78	29.52	31.85	33.21
Net Avail. For Common Margin %	21.78	26.42	28.25	30.62	31.96
Normalized Net Income Margin	24.35	31.3	32.22	32.71	31.93
Asset quality
Nonperforming Loans / Total Loans %	4.23	3.51	3.54	3.19	2.87
Nonperforming Loans / Total Assets %	2.21	1.89	1.86	1.84	1.67
Nonperforming Assets / Total Assets %	2.3	1.89	1.98	1.95	1.76
NPAs / Loans and OREO	4.38	3.51	3.76	3.37	3.02
NPAs / Equity	31.22	26.68	27.85	25.09	24.42
Allowance for Credit Losses / Net Charge-offs %	468.63	654.84	417.06	395.74	361.68
Allowance for Credit Losses / Nonperforming Loans %	75.84	83.28	78.01	81.69	85.72
Allowance for Credit Losses / Total Loans %	3.2	2.92	2.76	2.6	2.46
Net Charge-offs / Total Average Loans %	0.73	0.48	0.71	0.7	-
Provision for Loan Losses / Net Charge-offs %	127.19	192.48	162.32	193.83	179.44
Earning Assets / IBL	-	-	-	104.68	-
Interest Income / Average Assets	3.42	4.5	6.41	7.94	7.16
Interest Expense / Average Assets	1.23	1.75	3.31	4.68	3.92
Net Interest Income / Average Assets	2.19	2.75	3.1	3.26	3.23
Non Interest Income / Average Assets	0.97	1.02	1.11	1.53	1.39
Non Interest Expense / Average Asset	1.43	1.55	1.67	1.83	1.77
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.33	6.61	6.63	6.94	6.92
Total Average Equity / Total Average Assets %	7.07	7.22	7.11	7.45	7.46
Total Equity + Allowance for Loan Losses / Total Loans %	15.86	15.14	15.43	15.08	13.93
Gross Loans / Total Deposits %	85.17	85.61	92.33	95.2	95.01
Net Loans / Total Deposits %	82.44	83.11	89.78	92.73	92.67
Tier 1 Capital Ratio %	14.84	14.22	14.33	14.4	14.08
Total Capital Ratio %	17.24	15.98	16.58	16.9	17.21
Core Tier 1 Capital Ratio	12.98	12.68	12.67	12.88	12.7
Tier 2 Capital Ratio	2.4	1.76	2.25	2.5	3.13
Coverage Ratio	75.84	83.28	78.01	81.69	85.72
Interbank Ratio	66.94	59.52	43.65	65.85	65.93
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	9.44	9.97	-	6.99	3.76
EBT + Interest Expense / Interest Expense	1.87	1.84	1.5	1.42	1.51
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	0.92	29.7	20.58	9.38	4.01
Non Interest Income, 1 Yr. Growth %	11.15	5.68	18.62	42.35	-4.33
Provision For Loan Losses, 1 Yr. Growth %	-41.53	9.48	32.79	29.66	7.28
Total Revenues, 1 Yr. Growth %	18.97	24.26	18.22	16.23	0.29
Earnings From Cont. Operations, 1 Yr. Growth %	40.84	27.89	24.44	25.65	5.21
Net Income, 1 Yr. Growth %	256.55	37.98	26.12	25.38	4.55
Normalized Net Income, 1 Yr. Growth %	54.56	75.28	21.89	17.99	-2.06
Diluted EPS Before Extra, 1 Yr. Growth %	57.66	57.35	31.96	29.98	5.02
Dividend Per Share, 1 Yr. Growth %	425.42	38.71	27.91	27.27	31.43
Gross Loans, 1 Yr. Growth %	1.19	10.88	6.26	9.31	12.1
Allowance For Loan Losses, 1 Yr. Growth %	-8.17	1.09	0.28	3.03	5.91
Net Loans, 1 Yr. Growth %	1.54	11.2	6.44	9.49	12.27
Non Performing Loans, 1 Yr. Growth %	-0.14	-7.94	7.06	-1.61	0.94
Non Performing Assets, 1 Yr. Growth %	-1.66	-11.29	-1.49	-2.14	0.19
Total Assets, 1 Yr. Growth %	-9.66	7.58	8.91	-0.41	11.29
Total Deposits, 1 Yr Growth %	0.69	10.3	-1.77	6.01	12.34
Tangible Book Value, 1 Yr. Growth %	-1.17	7.5	10.28	7.75	2.51
Average Interest Earning Assets, 1 Yr. Growth %	-	-	-	3.24	-
Average Interest Bearing Liabilities, 1 Yr. Growth %	-	-	-	3.25	-
Common Equity, 1 Yr. Growth %	-1.44	7.03	10.25	7.65	3.06
Total Equity, 1 Yr. Growth %	-2.52	3.81	9.4	8.59	2.97
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-3.45	14.4	24.96	14.84	6.67
Non Interest Income, 2 Yr. CAGR %	5.94	8.97	11.11	29.94	16.83
Provision For Loan Losses, 2 Yr. CAGR %	-6.76	-19.99	20.57	31.22	17.94
Total Revenues, 2 Yr. CAGR %	0.25	21.79	20.84	17.22	8
Earnings From Cont. Operations, 2 Yr. CAGR %	2.28	34.21	25.56	25.05	14.98
Net Income, 2 Yr. CAGR %	15.1	121.8	31.28	25.75	14.49
Normalized Net Income, 2 Yr. CAGR %	6.07	56.27	45.63	19.92	7.56
Diluted EPS Before Extra, 2 Yr. CAGR %	4.05	57.51	43.36	30.97	16.83
Dividend Per Share, 2 Yr. CAGR %	9.19	169.97	33.2	27.59	29.33
Gross Loans, 2 Yr. CAGR %	-8.24	5.92	8.45	7.77	10.7
Allowance For Loan Losses, 2 Yr. CAGR %	-5.33	-3.65	0.69	1.65	4.46
Net Loans, 2 Yr. CAGR %	-8.33	6.26	8.7	7.95	10.87
Non Performing Loans, 2 Yr. CAGR %	-4.17	-4.12	-0.72	2.63	-0.35
Non Performing Assets, 2 Yr. CAGR %	-5.54	-6.6	0.53	1.69	-0.98
Total Assets, 2 Yr. CAGR %	-2.37	-1.42	8.17	4.15	5.28
Total Deposits, 2 Yr CAGR %	-3.33	5.38	4.16	2.05	9.13
Tangible Book Value, 2 Yr. CAGR %	-0.06	3.07	8.76	9.01	5.1
Average Interest Earning Assets, 2 Yr. CAGR %	-	-	-	5.3	-
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	-	-	4.98	-
Common Equity, 2 Yr. CAGR %	-5.07	2.71	8.51	8.94	5.33
Total Equity, 2 Yr. CAGR %	-5.78	0.6	6.46	8.99	5.74
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-1.24	6.53	16.36	19.54	11.11
Non Interest Income, 3 Yr. CAGR %	-0.96	6.79	13.75	20.67	17.29
Provision For Loan Losses, 3 Yr. CAGR %	-6.41	-1.63	-5.27	23.53	22.7
Total Revenues, 3 Yr. CAGR %	-0.18	8.02	21.26	19.29	11.27
Earnings From Cont. Operations, 3 Yr. CAGR %	-1.13	10.19	30.46	25.59	18.05
Net Income, 3 Yr. CAGR %	-4.84	22.27	83.16	29.28	18.24
Normalized Net Income, 3 Yr. CAGR %	1.64	21.95	49.59	35.76	12.07
Diluted EPS Before Extra, 3 Yr. CAGR %	-0.68	19.43	58.21	38.76	21.68
Dividend Per Share, 3 Yr. CAGR %	6.04	18.26	110.46	31.19	28.86
Gross Loans, 3 Yr. CAGR %	-4.67	-2.27	7.04	8.74	9.2
Allowance For Loan Losses, 3 Yr. CAGR %	-3.1	-3.23	-	1.46	3.05
Net Loans, 3 Yr. CAGR %	-4.72	-2.24	6.04	8.96	9.37
Non Performing Loans, 3 Yr. CAGR %	-3.6	-5.44	-0.53	-1.02	2.06
Non Performing Assets, 3 Yr. CAGR %	-5.54	-7.5	-0.2	-0.36	1.19
Total Assets, 3 Yr. CAGR %	-0.64	0.84	1.86	5.23	6.48
Total Deposits, 3 Yr CAGR %	-1.79	1.02	2	4.77	5.37
Tangible Book Value, 3 Yr. CAGR %	2.44	2.4	5.35	8.42	6.8
Average Interest Earning Assets, 3 Yr. CAGR %	-	-	-	-	-
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	-	-	-	-
Common Equity, 3 Yr. CAGR %	-2.32	-1.2	5.09	8.22	6.94
Total Equity, 3 Yr. CAGR %	-2.66	-2.69	3.38	7.17	6.95
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-3.24	1.27	8.5	9.75	12.38
Non Interest Income, 5 Yr. CAGR %	-1.13	3.01	4.25	15.15	14.9
Provision For Loan Losses, 5 Yr. CAGR %	-3.46	-2.12	3.57	10.39	3.41
Total Revenues, 5 Yr. CAGR %	-2.48	2.36	7.95	11.48	15.74
Earnings From Cont. Operations, 5 Yr. CAGR %	2.61	7.49	8.79	15.69	24.03
Net Income, 5 Yr. CAGR %	6.01	12.81	8.23	23.41	51.78
Normalized Net Income, 5 Yr. CAGR %	7.94	15.73	15.42	20.96	31.05
Diluted EPS Before Extra, 5 Yr. CAGR %	5.16	16.49	15.03	23.67	40.14
Dividend Per Share, 5 Yr. CAGR %	14.14	12.37	16.17	21.91	73.22
Gross Loans, 5 Yr. CAGR %	-4.98	-1.2	0.38	1.6	8.49
Allowance For Loan Losses, 5 Yr. CAGR %	-7.04	-2.55	-1.6	-1.31	-
Net Loans, 5 Yr. CAGR %	-4.91	-1.16	0.44	1.68	7.95
Non Performing Loans, 5 Yr. CAGR %	-8.56	-7.01	-2.46	-2.29	-0.46
Non Performing Assets, 5 Yr. CAGR %	-10.06	-11.2	-3.16	-2.47	-0.51
Total Assets, 5 Yr. CAGR %	-1.96	0.66	2.8	2.12	3.21
Total Deposits, 5 Yr CAGR %	-2.11	0.98	0.54	1.45	4.79
Tangible Book Value, 5 Yr. CAGR %	2.11	3.43	4.92	4.95	5.25
Average Interest Earning Assets, 5 Yr. CAGR %	-	-	-	-	-
Average Interest Bearing Liabilities, 5 Yr. CAGR %	-	-	-	-	-
Common Equity, 5 Yr. CAGR %	-1.5	0.28	1.88	2.69	5.18
Total Equity, 5 Yr. CAGR %	-2.53	-1.04	0.89	1.79	4.32