Financial Ratios BBVA

Equities

BBVA

ES0113211835

Banks

Market Closed - BME Other stock markets 10:10:02 06/02/2026 pm IST			5-day change	1st Jan Change
20.19 ^EUR	+1.05%		-5.87%	+0.70%

06/02	BBVA : Deutsche Bank maintains a Buy rating	ZD
06/02	BBVA : Barclays reiterates its Buy rating	ZD

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Published financial data: BBVA

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	2.24TCr	2.3TCr	2.84TCr	4.14TCr	5.52TCr
Interest Income On Investments	14Cr	18Cr	318.7Cr	654.2Cr	655.5Cr
Interest Income, Total	2.25TCr	2.32TCr	3.16TCr	4.8TCr	6.18TCr
Interest On Deposits	708.8Cr	746.9Cr	1.11TCr	2.48TCr	3.38TCr
Total Interest On Borrowings	71Cr	86Cr	115.4Cr	-	257Cr
Interest Expense, Total	779.8Cr	832.8Cr	1.23TCr	2.48TCr	3.64TCr
Net Interest Income	1.47TCr	1.49TCr	1.93TCr	2.32TCr	2.54TCr
Income From Trading Activities	78Cr	34Cr	56Cr	135.2Cr	245.8Cr
Gain (Loss) on Sale of Loans	-	-	-	4.1Cr	2Cr
Gain (Loss) on Sale of Assets	44Cr	-1.6Cr	-12Cr	5Cr	-30L
Gain (Loss) on Sale of Invest. & Securities - (Rev)	19Cr	88Cr	10Cr	42Cr	74Cr
Income (Loss) on Equity Invest. (Income Block)	-3.9Cr	10L	2.1Cr	2.6Cr	4Cr
Total Other Non Interest Income	455Cr	537Cr	657.2Cr	645.4Cr	861.7Cr
Non Interest Income, Total	592Cr	658Cr	714.1Cr	834Cr	1.19TCr
Revenues Before Provison For Loan Losses	2.06TCr	2.14TCr	2.64TCr	3.15TCr	3.73TCr
Provision For Loan Losses	516Cr	301.7Cr	330.3Cr	438.6Cr	568.7Cr
Total Revenues	1.55TCr	1.84TCr	2.31TCr	2.72TCr	3.16TCr
Salaries And Other Employee Benefits	467.9Cr	501.3Cr	558Cr	653Cr	765.9Cr
Amort. of Goodwill & Intang. Assets	-	123.4Cr	-	-	-
Occupancy Expense	128.9Cr	-	132.8Cr	140.3Cr	153.3Cr
Selling General & Admin Expenses, Total	277.6Cr	293.5Cr	348.2Cr	392.4Cr	452Cr
Total Other Non Interest Expense	89Cr	52Cr	50Cr	66Cr	50Cr
Non Interest Expense, Total	963.4Cr	970.2Cr	1.09TCr	1.25TCr	1.42TCr
EBT, Excl. Unusual Items	585.4Cr	872.4Cr	1.22TCr	1.46TCr	1.74TCr
Restructuring Charges	-	-75Cr	-	-	-
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-14Cr	-18Cr	2.8Cr	-4.2Cr	1.4Cr
Legal Settlements	-21Cr	-14Cr	-21Cr	-17Cr	-19Cr
Other Unusual Items	-25Cr	-41Cr	-168.7Cr	-200.7Cr	-177.5Cr
EBT, Incl. Unusual Items	524.8Cr	724.7Cr	1.04TCr	1.24TCr	1.54TCr
Income Tax Expense	145.9Cr	190.9Cr	352.9Cr	400.3Cr	483Cr
Earnings From Continuing Operations	378.9Cr	533.8Cr	682.7Cr	841.6Cr	1.06TCr
Earnings Of Discontinued Operations	-172.9Cr	28Cr	-	-	-
Net Income to Company	206Cr	561.8Cr	682.7Cr	841.6Cr	1.06TCr
Minority Interest	-76Cr	-96Cr	-41Cr	-40Cr	-52Cr
Net Income - (IS)	130.5Cr	465.3Cr	642Cr	801.9Cr	1.01TCr
Preferred Dividend and Other Adjustments	39Cr	36Cr	31Cr	34Cr	39Cr
Net Income to Common Incl Extra Items	92Cr	429.4Cr	610.7Cr	767.4Cr	966.6Cr
Net Income to Common Excl. Extra Items	264.7Cr	401.4Cr	610.7Cr	767.4Cr	966.6Cr
Per Share Items
Net EPS - Basic	0.14	0.67	0.99	1.29	1.68
Basic EPS - Continuing Operations	0.4	0.63	0.99	1.29	1.68
Basic Weighted Average Shares Outstanding	665.5Cr	640.1Cr	618.9Cr	595.4Cr	576.9Cr
Net EPS - Diluted	0.14	0.67	0.99	1.29	1.68
Diluted EPS - Continuing Operations	0.4	0.63	0.99	1.29	1.68
Diluted Weighted Average Shares Outstanding	665.5Cr	640.1Cr	618.9Cr	595.4Cr	576.9Cr
Normalized Basic EPS	0.44	0.7	1.17	1.47	1.79
Normalized Diluted EPS	0.44	0.7	1.17	1.47	1.79
Dividend Per Share	0.06	0.31	0.43	0.55	0.7
Payout Ratio	81.61	19.9	34.03	35.02	38.92
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	27.8	26.34	34.08	32.23	31.35
Total Current Taxes	-	-	-	-	-
Normalized Net Income	290.38Cr	448.75Cr	723.36Cr	875.24Cr	1.03TCr
Non-Cash Pension Expense	9Cr	6.4Cr	16Cr	22Cr	20Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	1.6Cr	3.3Cr	3.2Cr	-	-
Total Stock-Based Compensation	1.6Cr	3.3Cr	3.2Cr	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	644.7Cr	687.7Cr	653.3Cr	1.47TCr	1.58TCr
Investment Securities, Total	15TCr	11TCr	12TCr	13TCr	14TCr
Trading Asset Securities, Total	7.83TCr	13TCr	11TCr	14TCr	11TCr
Total investments	23TCr	24TCr	23TCr	27TCr	25TCr
Gross Loans	34TCr	35TCr	38TCr	41TCr	45TCr
Allowance For Loan Losses	-1.21TCr	-1.11TCr	-1.12TCr	-1.13TCr	-1.16TCr
Net Loans	33TCr	34TCr	37TCr	40TCr	43TCr
Gross Property Plant And Equipment	1.3TCr	1.28TCr	1.46TCr	1.6TCr	1.71TCr
Accumulated Depreciation	-535.5Cr	-562.4Cr	-604.3Cr	-688Cr	-752Cr
Net Property Plant And Equipment	767.2Cr	718.9Cr	853.5Cr	912.9Cr	958.4Cr
Goodwill	91Cr	82Cr	71Cr	80Cr	70Cr
Other Intangibles, Total	143.5Cr	137.9Cr	144.9Cr	156.8Cr	179Cr
Investment in Real Estate	15Cr	11Cr	20Cr	12Cr	18Cr
Accrued Interest Receivable	76Cr	73Cr	149Cr	136.8Cr	186.2Cr
Other Receivables	119.9Cr	93Cr	197.8Cr	286Cr	429.5Cr
Restricted Cash	5.31TCr	5.5TCr	6.73TCr	6.08TCr	3.53TCr
Other Current Assets, Total	8.55TCr	65Cr	133.5Cr	26Cr	151.7Cr
Deferred Tax Assets Long-Term (Collected)	1.53TCr	1.49TCr	1.45TCr	1.46TCr	1.44TCr
Other Real Estate Owned And Foreclosed	101.2Cr	84Cr	1.2Cr	94Cr	61Cr
Other Long-Term Assets, Total	149Cr	104.7Cr	101.1Cr	142.5Cr	255.4Cr
Total Assets	74TCr	66TCr	71TCr	78TCr	77TCr
Liabilities
Accrued Expenses, Total	158.4Cr	213.7Cr	256.6Cr	287.8Cr	306.7Cr
Interest Bearing Deposits	13TCr	11TCr	12TCr	12TCr	13TCr
Non-Interest Bearing Deposits	27TCr	30TCr	33TCr	32TCr	34TCr
Total Deposits	40TCr	41TCr	45TCr	44TCr	47TCr
Short-Term Borrowings	5.58TCr	4.48TCr	5.18TCr	6.84TCr	6.48TCr
Current Portion of Leases	24Cr	22Cr	14Cr	24Cr	18Cr
Long-Term Debt	6.63TCr	5.92TCr	5.87TCr	7.27TCr	7.45TCr
Long-Term Leases	243Cr	234.2Cr	125.6Cr	127Cr	129.2Cr
Current Income Taxes Payable	54Cr	64Cr	141.5Cr	88Cr	58Cr
Accrued Interest Payable	-	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	12TCr	6.51TCr	6.34TCr	9.38TCr	5.91TCr
Pension & Other Post Retirement Benefits	432.1Cr	420.8Cr	309.8Cr	300.6Cr	273.2Cr
Deferred Tax Liability Non-Current	181Cr	176.9Cr	132.6Cr	167.7Cr	245.8Cr
Other Non Current Liabilities	2.37TCr	2.64TCr	2.95TCr	3.36TCr	3.53TCr
Total Liabilities	69TCr	61TCr	66TCr	72TCr	71TCr
Common Stock, Total	326.7Cr	326.7Cr	295.5Cr	286.1Cr	282.4Cr
Additional Paid In Capital	2.4TCr	2.36TCr	2.09TCr	1.98TCr	1.92TCr
Retained Earnings	3.18TCr	3.6TCr	3.82TCr	4.33TCr	4.91TCr
Treasury Stock	-4.6Cr	-65Cr	-2.9Cr	-3.4Cr	-6.6Cr
Comprehensive Income and Other	-1.45TCr	-1.83TCr	-1.5TCr	-1.42TCr	-1.54TCr
Total Common Equity	4.45TCr	4.39TCr	4.7TCr	5.17TCr	5.57TCr
Minority Interest	547.2Cr	485.3Cr	362.4Cr	356.4Cr	435.9Cr
Total Equity	5TCr	4.88TCr	5.06TCr	5.53TCr	6TCr
Total Liabilities And Equity	74TCr	66TCr	71TCr	78TCr	77TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	665.35Cr	654.03Cr	602.46Cr	583.36Cr	575.66Cr
ECS Total Common Shares Outstanding	665.35Cr	654.03Cr	602.46Cr	583.36Cr	575.66Cr
Book Value / Share	6.7	6.71	7.8	8.86	9.67
Tangible Book Value	4.22TCr	4.17TCr	4.48TCr	4.93TCr	5.32TCr
Tangible Book Value Per Share	6.34	6.38	7.44	8.46	9.24
Tangible Book Value Per Share (As Reported)	6.05	6.52	7.44	8.46	-
Average Assets	-	68TCr	70TCr	75TCr	78TCr
Average Loans	-	33TCr	36TCr	38TCr	42TCr
Total Debt	12TCr	11TCr	11TCr	14TCr	14TCr
Deposits at Interest - Cash	-	-	-	-	-
Debt Equivalent of Unfunded Proj. Benefit Obligation	417.8Cr	367.6Cr	265.9Cr	258.6Cr	244.6Cr
Net Debt	6.5Cr	-3.44TCr	-1.83TCr	-2.04TCr	542.5Cr
Equity Method Investments, Total	143.6Cr	90Cr	92Cr	98Cr	99Cr
Full Time Employees	1L	1L	1L	1L	1L
Part Time Employees	-	-	-	224	-
Number Of Offices	7.43T	6.08T	6.04T	5.95T	5.75T
Assets on Operating Lease - Gross	34Cr	27Cr	58Cr	80Cr	115.8Cr
Assets on Operating Lease - Accumulated Depreciation	-5.4Cr	-3.3Cr	-5.2Cr	-4.9Cr	-15Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	130.5Cr	465.3Cr	642Cr	801.9Cr	1.01TCr
Depreciation, Depletion & Amortization	78Cr	74Cr	82Cr	87Cr	97Cr
Amortization of Goodwill and Intangible Assets - (CF)	5.9Cr	4.8Cr	2Cr	1.9Cr	1.8Cr
Total Depreciation, Depletion & Amortization	84Cr	79Cr	84Cr	88Cr	99Cr
Amortization of Deferred Charges, Total	45Cr	45Cr	49Cr	52Cr	54Cr
Change in Trading Asset Securities	-2.7TCr	-989Cr	1.48TCr	-2.54TCr	2.74TCr
Change in Other Net Operating Assets (Collected)	5.46TCr	-311.2Cr	-648.1Cr	947.9Cr	-6.54TCr
Other Operating Activities	916.5Cr	587.3Cr	761.4Cr	579.2Cr	817.4Cr
Cash from Operations	3.93TCr	-124.2Cr	2.37TCr	-72Cr	-1.82TCr
Capital Expenditure	-63Cr	-40Cr	-181.2Cr	-112.9Cr	-119.5Cr
Sale of Property, Plant, and Equipment	84Cr	7.8Cr	2.9Cr	9.2Cr	10Cr
Cash Acquisitions	-	-	-138.9Cr	-	-2.8Cr
Divestitures	-	22Cr	-	2.1Cr	7.3Cr
Purchase / Sale of Intangible Assets	-49Cr	-55Cr	-63Cr	-69Cr	-82Cr
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	24Cr	54Cr	4.6Cr	-3.5Cr	3.1Cr
Other Investing Activities, Total	-	-152.9Cr	-16Cr	32Cr	41Cr
Cash from Investing	-3.7Cr	-163.4Cr	-391.1Cr	-141.9Cr	-142.3Cr
Long-Term Debt Issued, Total	242.5Cr	-	-	467.2Cr	551.4Cr
Total Debt Issued	242.5Cr	-	-	467.2Cr	551.4Cr
Long-Term Debt Repaid, Total	-282Cr	-230.1Cr	-225.8Cr	-162.9Cr	-259.9Cr
Total Debt Repaid	-282Cr	-230.1Cr	-225.8Cr	-162.9Cr	-259.9Cr
Issuance of Common Stock	82Cr	44Cr	43Cr	71Cr	69Cr
Repurchase of Common Stock	-81Cr	-102.2Cr	-298.3Cr	-216.6Cr	-152.9Cr
Common Dividends Paid	-106.5Cr	-93Cr	-218.5Cr	-280.8Cr	-391.3Cr
Common & Preferred Stock Dividends Paid	-106.5Cr	-93Cr	-218.5Cr	-280.8Cr	-391.3Cr
Other Financing Activities, Total	-62Cr	-54Cr	-57Cr	-62Cr	-73Cr
Cash from Financing	-206.9Cr	-434.9Cr	-756.3Cr	-184.2Cr	-256.7Cr
Foreign Exchange Rate Adjustments	-465.8Cr	-186.4Cr	-29Cr	-36Cr	-209.1Cr
Miscellaneous Cash Flow Adjustments	-	-	10L	-	-
Net Change in Cash	3.26TCr	-908.9Cr	1.2TCr	-433.9Cr	-2.43TCr
Supplemental Items
Cash Income Tax Paid (Refund)	195.5Cr	154.6Cr	323.4Cr	535.3Cr	563.1Cr
Net Debt Issued / Repaid	-40Cr	-230.1Cr	-225.8Cr	304.3Cr	291.5Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.53	0.76	0.99	1.13	1.37
Return On Equity %	7.22	10.81	13.74	15.91	18.35
Return on Common Equity	5.68	9.08	13.44	15.57	18.01
Shareholders Value Added	-423.23Cr	-13Cr	99Cr	212.22Cr	363.07Cr
Margin Analysis
SG&A Margin	56.46	43.13	44.95	43.65	43.43
Net Interest Income / Total Revenues %	95.09	80.66	83.4	85.44	80.41
EBT Excl. Non-Recurring Items Margin %	37.8	47.35	52.89	53.9	54.98
Income From Continuing Operations Margin %	24.46	28.97	29.54	30.99	33.5
Net Income Margin %	8.43	25.25	27.78	29.52	31.85
Net Avail. For Common Margin %	17.09	21.78	26.42	28.25	30.62
Normalized Net Income Margin	18.75	24.35	31.3	32.22	32.71
Asset quality
Nonperforming Loans / Total Loans %	4.28	4.23	3.51	3.54	3.19
Nonperforming Loans / Total Assets %	1.99	2.21	1.89	1.86	1.84
Nonperforming Assets / Total Assets %	2.13	2.3	1.89	1.98	1.95
NPAs / Loans and OREO	4.56	4.38	3.51	3.76	3.37
NPAs / Equity	31.37	31.22	26.68	27.85	25.09
Allowance for Credit Losses / Net Charge-offs %	544.68	468.63	654.84	417.06	395.74
Allowance for Credit Losses / Nonperforming Loans %	82.72	75.84	83.28	78.01	81.69
Allowance for Credit Losses / Total Loans %	3.54	3.2	2.92	2.76	2.6
Net Charge-offs / Total Average Loans %	-	0.73	0.48	0.71	0.7
Provision for Loan Losses / Net Charge-offs %	231.49	127.19	192.48	162.32	193.83
Earning Assets / IBL	-	-	-	-	104.68
Interest Income / Average Assets	-	3.42	4.5	6.41	7.94
Interest Expense / Average Assets	-	1.23	1.75	3.31	4.68
Net Interest Income / Average Assets	-	2.19	2.75	3.1	3.26
Non Interest Income / Average Assets	-	0.97	1.02	1.11	1.53
Non Interest Expense / Average Asset	-	1.43	1.55	1.67	1.83
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.5	6.33	6.61	6.63	6.94
Total Average Equity / Total Average Assets %	7.32	7.07	7.22	7.11	7.45
Total Equity + Allowance for Loan Losses / Total Loans %	16.54	15.86	15.14	15.43	15.08
Gross Loans / Total Deposits %	84.74	85.17	85.61	92.33	95.2
Net Loans / Total Deposits %	81.74	82.44	83.11	89.78	92.73
Tier 1 Capital Ratio %	14	14.84	14.22	14.33	14.4
Total Capital Ratio %	16.5	17.24	15.98	16.58	16.9
Core Tier 1 Capital Ratio	12.2	12.98	12.68	12.67	12.88
Tier 2 Capital Ratio	2.42	2.4	1.76	2.25	2.5
Coverage Ratio	82.72	75.84	83.28	78.01	81.69
Interbank Ratio	52.75	66.94	59.52	43.65	65.84
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	8.39	9.44	9.97	-	6.99
EBT + Interest Expense / Interest Expense	1.67	1.87	1.84	1.5	1.42
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-7.62	0.92	29.7	20.58	9.38
Non Interest Income, 1 Yr. Growth %	0.99	11.15	5.68	18.62	42.35
Provision For Loan Losses, 1 Yr. Growth %	48.7	-41.53	9.48	32.79	29.66
Total Revenues, 1 Yr. Growth %	-15.52	18.97	24.26	18.22	16.23
Earnings From Cont. Operations, 1 Yr. Growth %	-25.75	40.84	27.89	24.44	25.65
Net Income, 1 Yr. Growth %	-62.84	256.55	37.98	26.12	25.38
Normalized Net Income, 1 Yr. Growth %	-27.2	54.56	75.28	21.89	17.99
Diluted EPS Before Extra, 1 Yr. Growth %	-31.34	57.66	57.35	31.96	30
Dividend Per Share, 1 Yr. Growth %	-77.31	425.42	38.71	27.91	27.27
Gross Loans, 1 Yr. Growth %	-16.79	1.19	10.88	6.26	9.31
Allowance For Loan Losses, 1 Yr. Growth %	-2.3	-8.17	1.09	0.28	3.03
Net Loans, 1 Yr. Growth %	-17.25	1.54	11.2	6.44	9.49
Non Performing Loans, 1 Yr. Growth %	-8.03	-0.14	-7.94	7.06	-1.61
Non Performing Assets, 1 Yr. Growth %	-8.76	-1.66	-11.29	-1.49	-2.14
Total Assets, 1 Yr. Growth %	5.51	-9.66	7.58	8.91	-0.41
Total Deposits, 1 Yr Growth %	-7.18	0.69	10.3	-1.77	6.01
Tangible Book Value, 1 Yr. Growth %	1.07	-1.17	7.5	10.28	7.75
Average Interest Earning Assets, 1 Yr. Growth %	-	-	-	-	3.24
Average Interest Bearing Liabilities, 1 Yr. Growth %	-	-	-	-	3.25
Common Equity, 1 Yr. Growth %	-8.57	-1.44	7.03	10.25	7.65
Total Equity, 1 Yr. Growth %	-8.93	-2.52	3.81	9.4	8.59
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-2.3	-3.45	14.4	24.96	14.84
Non Interest Income, 2 Yr. CAGR %	-6.52	5.94	8.97	11.11	29.94
Provision For Loan Losses, 2 Yr. CAGR %	18.41	-6.76	-19.99	20.57	31.22
Total Revenues, 2 Yr. CAGR %	-8.56	0.25	21.79	20.84	17.22
Earnings From Cont. Operations, 2 Yr. CAGR %	-17.17	2.28	34.21	25.56	25.05
Net Income, 2 Yr. CAGR %	-50.84	15.1	121.8	31.28	25.75
Normalized Net Income, 2 Yr. CAGR %	-17.57	6.07	56.27	45.63	19.92
Diluted EPS Before Extra, 2 Yr. CAGR %	-21.17	4.05	57.51	43.36	30.97
Dividend Per Share, 2 Yr. CAGR %	-52.36	9.19	169.97	33.2	27.59
Gross Loans, 2 Yr. CAGR %	-7.47	-8.24	5.92	8.45	7.77
Allowance For Loan Losses, 2 Yr. CAGR %	-0.31	-5.33	-3.65	0.69	1.65
Net Loans, 2 Yr. CAGR %	-7.7	-8.33	6.26	8.7	7.95
Non Performing Loans, 2 Yr. CAGR %	-5.28	-4.17	-4.12	-0.72	2.63
Non Performing Assets, 2 Yr. CAGR %	-6.81	-5.54	-6.6	0.53	1.69
Total Assets, 2 Yr. CAGR %	4.38	-2.37	-1.42	8.17	4.15
Total Deposits, 2 Yr CAGR %	-3.01	-3.33	5.38	4.16	2.05
Tangible Book Value, 2 Yr. CAGR %	4.3	-0.06	3.07	8.76	9.01
Average Interest Earning Assets, 2 Yr. CAGR %	-	-	-	-	5.3
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	-	-	-	4.98
Common Equity, 2 Yr. CAGR %	-2.76	-5.07	2.71	8.51	8.94
Total Equity, 2 Yr. CAGR %	-2.74	-5.78	0.6	6.46	8.99
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-6.63	-1.24	6.53	16.36	19.54
Non Interest Income, 3 Yr. CAGR %	-1.29	-0.96	6.79	13.75	20.67
Provision For Loan Losses, 3 Yr. CAGR %	11.97	-6.41	-1.63	-5.27	23.53
Total Revenues, 3 Yr. CAGR %	-9.03	-0.18	8.02	21.26	19.29
Earnings From Cont. Operations, 3 Yr. CAGR %	-7.3	-1.13	10.19	30.46	25.59
Net Income, 3 Yr. CAGR %	-28.12	-4.84	22.27	83.16	29.28
Normalized Net Income, 3 Yr. CAGR %	-5.9	1.64	21.95	49.59	35.76
Diluted EPS Before Extra, 3 Yr. CAGR %	-4.73	-0.68	19.43	58.21	38.76
Dividend Per Share, 3 Yr. CAGR %	-37.36	6.04	18.26	110.46	31.19
Gross Loans, 3 Yr. CAGR %	-5.68	-4.67	-2.27	7.04	8.74
Allowance For Loan Losses, 3 Yr. CAGR %	-1.71	-3.1	-3.23	-	1.46
Net Loans, 3 Yr. CAGR %	-5.82	-4.72	-2.24	6.04	8.96
Non Performing Loans, 3 Yr. CAGR %	-8.88	-3.6	-5.44	-0.53	-1.02
Non Performing Assets, 3 Yr. CAGR %	-13.75	-5.54	-7.5	-0.2	-0.36
Total Assets, 3 Yr. CAGR %	2.18	-0.64	0.84	1.86	5.23
Total Deposits, 3 Yr CAGR %	-1.85	-1.79	1.02	2	4.77
Tangible Book Value, 3 Yr. CAGR %	3.67	2.44	2.4	5.35	8.42
Average Interest Earning Assets, 3 Yr. CAGR %	-	-	-	-	-
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	-	-	-	-
Common Equity, 3 Yr. CAGR %	-1.31	-2.32	-1.2	5.09	8.22
Total Equity, 3 Yr. CAGR %	-2.11	-2.66	-2.69	3.38	7.17
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-2.17	-3.24	1.27	8.5	9.75
Non Interest Income, 5 Yr. CAGR %	1.49	-1.13	3.01	4.25	15.15
Provision For Loan Losses, 5 Yr. CAGR %	3.97	-3.46	-2.12	3.57	10.39
Total Revenues, 5 Yr. CAGR %	-2.62	-2.48	2.36	7.95	11.48
Earnings From Cont. Operations, 5 Yr. CAGR %	2.63	2.61	7.49	8.79	15.69
Net Income, 5 Yr. CAGR %	-13.16	6.01	12.81	8.23	23.41
Normalized Net Income, 5 Yr. CAGR %	2.94	7.94	15.73	15.42	20.96
Diluted EPS Before Extra, 5 Yr. CAGR %	1.3	5.16	16.49	15.03	23.67
Dividend Per Share, 5 Yr. CAGR %	-18.09	14.14	12.37	16.17	21.91
Gross Loans, 5 Yr. CAGR %	-5.84	-4.98	-1.2	0.38	1.6
Allowance For Loan Losses, 5 Yr. CAGR %	-8.32	-7.04	-2.55	-1.6	-1.31
Net Loans, 5 Yr. CAGR %	-5.75	-4.91	-1.16	0.44	1.68
Non Performing Loans, 5 Yr. CAGR %	-10.36	-8.56	-7.01	-2.46	-2.29
Non Performing Assets, 5 Yr. CAGR %	-11.13	-10.06	-11.2	-3.16	-2.47
Total Assets, 5 Yr. CAGR %	-0.37	-1.96	0.66	2.8	2.12
Total Deposits, 5 Yr CAGR %	-2.16	-2.11	0.98	0.54	1.45
Tangible Book Value, 5 Yr. CAGR %	2.53	2.11	3.43	4.92	4.95
Average Interest Earning Assets, 5 Yr. CAGR %	-	-	-	-	-
Average Interest Bearing Liabilities, 5 Yr. CAGR %	-	-	-	-	-
Common Equity, 5 Yr. CAGR %	-1.19	-1.5	0.28	1.88	2.69
Total Equity, 5 Yr. CAGR %	-1.98	-2.53	-1.04	0.89	1.79