Balance Sheet Capital One Financial Corporation

Equities

COF

US14040H1059

Consumer Lending

Market Closed - Nyse Other stock markets 02:30:02 07/02/2026 am IST			5-day change	1st Jan Change
222.79 ^USD	+2.70%		+1.76%	-8.07%

06/02	Capital One Financial Insider Sold Shares Worth $734,565, According to a Recent SEC Filing	MT
03/02	Capital One Financial Corporation Announces Quarterly Dividend on Common Share , Payable on March 2, 2026	CI

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Published financial data: CAPITAL ONE FINANCIAL CORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	2.41TCr	2.43TCr	2.89TCr	3.74TCr	4.09TCr
Interest Income On Investments	195.9Cr	150.6Cr	232.7Cr	452.8Cr	514Cr
Interest Income, Total	2.6TCr	2.58TCr	3.12TCr	4.19TCr	4.6TCr
Interest On Deposits	216.5Cr	96Cr	253.5Cr	948.9Cr	1.15TCr
Total Interest On Borrowings	96Cr	64Cr	158.8Cr	320.8Cr	333.3Cr
Interest Expense, Total	312Cr	159.8Cr	412.3Cr	1.27TCr	1.48TCr
Net Interest Income	2.29TCr	2.42TCr	2.71TCr	2.92TCr	3.12TCr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	56Cr	20L	-	-3.4Cr	-3.5Cr
Total Other Non Interest Income	505Cr	626.2Cr	713.6Cr	758Cr	793.9Cr
Non Interest Income, Total	561Cr	626.4Cr	713.6Cr	754.6Cr	790.4Cr
Revenues Before Provison For Loan Losses	2.85TCr	3.04TCr	3.42TCr	3.68TCr	3.91TCr
Provision For Loan Losses	1.03TCr	-194.4Cr	584.7Cr	1.04TCr	1.17TCr
Total Revenues	1.83TCr	3.24TCr	2.84TCr	2.64TCr	2.74TCr
Salaries And Other Employee Benefits	657.2Cr	705.7Cr	807.5Cr	875Cr	878.7Cr
Amort. of Goodwill & Intang. Assets	6Cr	2.9Cr	7Cr	8.2Cr	7.7Cr
Occupancy Expense	176Cr	165.6Cr	172.8Cr	187.2Cr	209.4Cr
Selling General & Admin Expenses, Total	472.8Cr	628.4Cr	787.5Cr	750Cr	851.7Cr
Total Other Non Interest Expense	140.1Cr	137.8Cr	141.5Cr	211.2Cr	201.1Cr
Non Interest Expense, Total	1.45TCr	1.64TCr	1.92TCr	2.03TCr	2.15TCr
EBT, Excl. Unusual Items	373.8Cr	1.6TCr	924Cr	604.5Cr	591Cr
Insurance Settlements	3.9Cr	-	-	-	-
Legal Settlements	-31Cr	-	-	-	-
Other Unusual Items	-26Cr	-17Cr	-	-	-
EBT, Incl. Unusual Items	320.3Cr	1.58TCr	924Cr	604.5Cr	591Cr
Income Tax Expense	49Cr	341.5Cr	188Cr	115.8Cr	116.3Cr
Earnings From Continuing Operations	271.7Cr	1.24TCr	736Cr	488.7Cr	474.7Cr
Earnings Of Discontinued Operations	-30L	-40L	-	-	30L
Net Income to Company	271.4Cr	1.24TCr	736Cr	488.7Cr	475Cr
Net Income - (IS)	271.4Cr	1.24TCr	736Cr	488.7Cr	475Cr
Preferred Dividend and Other Adjustments	34Cr	42Cr	32Cr	30Cr	30Cr
Net Income to Common Incl Extra Items	237.5Cr	1.2TCr	704.4Cr	458.2Cr	444.5Cr
Net Income to Common Excl. Extra Items	237.8Cr	1.2TCr	704.4Cr	458.2Cr	444.2Cr
Per Share Items
Net EPS - Basic	5.19	27.04	17.98	11.98	11.61
Basic EPS - Continuing Operations	5.19	27.05	17.98	11.98	11.61
Basic Weighted Average Shares Outstanding	46Cr	44Cr	39Cr	38Cr	38Cr
Net EPS - Diluted	5.18	26.94	17.91	11.95	11.59
Diluted EPS - Continuing Operations	5.19	26.95	17.91	11.95	11.58
Diluted Weighted Average Shares Outstanding	46Cr	44Cr	39Cr	38Cr	38Cr
Normalized Basic EPS	5.1	22.56	14.74	9.88	9.65
Normalized Diluted EPS	5.09	22.48	14.69	9.85	9.63
Dividend Per Share	1	2	2.4	2.4	2.4
Payout Ratio	27.27	9.34	16.01	23.72	24.42
American Depositary Receipts Ratio (ADR)	0.5	0.5	0.5	0.5	0.5
Supplemental Items
Effective Tax Rate - (Ratio)	15.17	21.6	20.35	19.16	19.68
Current Domestic Taxes	204.6Cr	265.8Cr	254.8Cr	180.5Cr	199.3Cr
Current Foreign Taxes	6.7Cr	15Cr	10Cr	7.6Cr	2.3Cr
Total Current Taxes	211.3Cr	281Cr	265.2Cr	188.1Cr	201.6Cr
Deferred Domestic Taxes	-162.3Cr	58Cr	-77Cr	-69Cr	-88Cr
Deferred Foreign Taxes	-40L	2.4Cr	20L	-3.1Cr	2.9Cr
Total Deferred Taxes	-162.7Cr	60Cr	-77Cr	-72Cr	-85Cr
Normalized Net Income	233.62Cr	998.44Cr	577.5Cr	377.81Cr	369.38Cr
Non-Cash Pension Expense	-80L	-1.2Cr	-80L	-60L	-60L
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	23Cr	36Cr	35Cr	55Cr	61Cr
Total Stock-Based Compensation	23Cr	36Cr	35Cr	55Cr	61Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	4.05TCr	2.17TCr	3.09TCr	4.33TCr	4.32TCr
Investment Securities, Total	1.2TCr	1.24TCr	648.1Cr	721.6Cr	1.11TCr
Trading Asset Securities, Total	226.7Cr	214.8Cr	196.4Cr	167Cr	117.6Cr
Mortgage Backed Securities	8.84TCr	8.3TCr	7.05TCr	7.2TCr	7.32TCr
Total investments	10TCr	9.75TCr	7.89TCr	8.08TCr	8.55TCr
Gross Loans	25TCr	28TCr	31TCr	32TCr	33TCr
Allowance For Loan Losses	-1.56TCr	-1.14TCr	-1.32TCr	-1.53TCr	-1.63TCr
Net Loans	24TCr	27TCr	30TCr	31TCr	31TCr
Gross Property Plant And Equipment	1.03TCr	988.1Cr	1.05TCr	1.06TCr	1.11TCr
Accumulated Depreciation	-470.6Cr	-453.4Cr	-500.4Cr	-518.1Cr	-560.2Cr
Net Property Plant And Equipment	560.3Cr	534.7Cr	547.9Cr	538.4Cr	548.5Cr
Goodwill	1.47TCr	1.48TCr	1.48TCr	1.51TCr	1.51TCr
Other Intangibles, Total	9Cr	11Cr	16Cr	31Cr	23Cr
Investment in FHLB	3Cr	3.2Cr	1.5Cr	1.8Cr	1.8Cr
Loans Held For Sale	271Cr	588.8Cr	20Cr	85Cr	20Cr
Accrued Interest Receivable	147.1Cr	146Cr	210.4Cr	247.8Cr	253.2Cr
Restricted Cash	26Cr	31Cr	40Cr	46Cr	44Cr
Other Current Assets, Total	11Cr	21Cr	16Cr	12Cr	-
Other Real Estate Owned And Foreclosed	4.2Cr	4Cr	5.5Cr	4.5Cr	6.5Cr
Other Long-Term Assets, Total	1.73TCr	1.9TCr	2.3TCr	2.44TCr	2.59TCr
Total Assets	42TCr	43TCr	46TCr	48TCr	49TCr
Liabilities
Accrued Expenses, Total	540Cr	620Cr	680Cr	740Cr	820Cr
Interest Bearing Deposits	27TCr	27TCr	29TCr	30TCr	32TCr
Institutional Deposits	420Cr	180Cr	610Cr	1.58TCr	1.52TCr
Non-Interest Bearing Deposits	3.11TCr	3.8TCr	3.22TCr	2.8TCr	2.61TCr
Total Deposits	31TCr	31TCr	33TCr	35TCr	36TCr
Short-Term Borrowings	144.7Cr	214.4Cr	419.8Cr	287.3Cr	229Cr
Current Portion of Long-Term Debt	620.9Cr	799.9Cr	532.5Cr	711.1Cr	949.9Cr
Current Portion of Leases	32Cr	30Cr	28Cr	25Cr	24Cr
Long-Term Debt	3.36TCr	3.42TCr	4.25TCr	4.22TCr	3.55TCr
Federal Home Loan Bank Debt - Long-Term	-	-	-	-	-
Long-Term Leases	144.7Cr	123.9Cr	121.3Cr	108.9Cr	105Cr
Accrued Interest Payable	35Cr	28Cr	53Cr	65Cr	67Cr
Pension & Other Post Retirement Benefits	2.7Cr	2.1Cr	1.5Cr	1.3Cr	1.1Cr
Other Non Current Liabilities	717.1Cr	797.5Cr	884.5Cr	1.04TCr	923.2Cr
Total Liabilities	36TCr	37TCr	40TCr	42TCr	43TCr
Preferred Stock - Others	484.7Cr	484.5Cr	484.5Cr	484.5Cr	484.5Cr
Total Preferred Equity	484.7Cr	484.5Cr	484.5Cr	484.5Cr	484.5Cr
Common Stock, Total	70L	70L	70L	70L	70L
Additional Paid In Capital	2.86TCr	2.93TCr	2.99TCr	3.07TCr	3.16TCr
Retained Earnings	4.01TCr	5.1TCr	5.72TCr	6.09TCr	6.45TCr
Treasury Stock	-1.69TCr	-2.45TCr	-2.94TCr	-3.01TCr	-3.09TCr
Comprehensive Income and Other	349.4Cr	37Cr	-991.6Cr	-826.8Cr	-928.6Cr
Total Common Equity	5.54TCr	5.62TCr	4.77TCr	5.32TCr	5.59TCr
Total Equity	6.02TCr	6.1TCr	5.26TCr	5.81TCr	6.08TCr
Total Liabilities And Equity	42TCr	43TCr	46TCr	48TCr	49TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	46Cr	41Cr	38Cr	38Cr	38Cr
ECS Total Common Shares Outstanding	46Cr	41Cr	38Cr	38Cr	38Cr
Book Value / Share	120.61	135.76	125.19	139.97	146.73
Tangible Book Value	4.06TCr	4.13TCr	3.28TCr	3.79TCr	4.06TCr
Tangible Book Value Per Share	88.49	99.77	86.02	99.55	106.62
Tangible Book Value Per Share (As Reported)	88.34	99.74	86.11	99.78	106.97
Average Assets	41TCr	42TCr	44TCr	47TCr	48TCr
Average Loans	25TCr	26TCr	29TCr	31TCr	32TCr
Total Debt	4.3TCr	4.59TCr	5.35TCr	5.35TCr	4.85TCr
Deposits at Interest - Cash	3.58TCr	1.76TCr	2.57TCr	3.84TCr	4.02TCr
Federal Funds Sold	-	-	-	-	-
Debt Equivalent of Unfunded Proj. Benefit Obligation	-9.6Cr	-11Cr	-9.4Cr	-11Cr	-12Cr
Net Debt	23Cr	2.2TCr	2.07TCr	853.6Cr	413.8Cr
Equity Method Investments, Total	-	5Cr	-	-	-
Full Time Employees	51.98T	50.77T	55.94T	51.99T	52.6T

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	271.4Cr	1.24TCr	736Cr	488.7Cr	475Cr
Depreciation, Depletion & Amortization	337.2Cr	337.3Cr	304.7Cr	305.6Cr	308.3Cr
Amortization of Goodwill and Intangible Assets - (CF)	13Cr	11Cr	16Cr	17Cr	15Cr
Total Depreciation, Depletion & Amortization	350.1Cr	348.1Cr	321Cr	322.6Cr	323.7Cr
Gain (Loss) on Sale of Loans & Receivables - (CF)	-60L	10L	-20Cr	60L	2.9Cr
(Gain) Loss on Sale of Investments - (CF)	-2.5Cr	-20L	90L	3.4Cr	3.5Cr
Provision for Credit Losses	1.03TCr	-194.4Cr	584.7Cr	1.04TCr	1.17TCr
Stock-Based Compensation (CF)	20Cr	33Cr	31Cr	51Cr	57Cr
Net (Increase) Decrease in Loans Originated / Sold - Operating	-20Cr	-1.8Cr	86Cr	-17Cr	18Cr
Changes in Accrued Interest Receivable	29Cr	1.7Cr	-64Cr	-36Cr	-5.4Cr
Changes in Accrued Interest Payable	-8.7Cr	-7.1Cr	25Cr	12Cr	1.7Cr
Change in Other Net Operating Assets (Collected)	219.1Cr	-252Cr	-246.2Cr	256.2Cr	-153Cr
Other Operating Activities	-214.7Cr	65Cr	-73Cr	-67Cr	-79Cr
Net Cash From Discontinued Operations	30L	-60L	-30L	-	-40L
Cash from Operations	1.67TCr	1.23TCr	1.38TCr	2.06TCr	1.82TCr
Capital Expenditure	-71Cr	-70Cr	-93Cr	-96Cr	-120.4Cr
Cash Acquisitions	-70L	-67Cr	-117.6Cr	-278.5Cr	-
Investment in Marketable and Equity Securities, Total	-1.99TCr	186.1Cr	679.4Cr	-131.5Cr	-515.9Cr
Net (Increase) Decrease in Loans Originated / Sold - Investing	658.8Cr	-3.13TCr	-3.38TCr	-1.55TCr	-1.84TCr
Other Investing Activities, Total	-82Cr	-67Cr	-63Cr	-132.5Cr	-161.7Cr
Cash from Investing	-1.48TCr	-3.15TCr	-2.97TCr	-2.19TCr	-2.64TCr
Short Term Debt Issued, Total	-	-	-	-	-
Long-Term Debt Issued, Total	523.5Cr	1.08TCr	3.1TCr	1.15TCr	581.7Cr
Total Debt Issued	523.5Cr	1.08TCr	3.1TCr	1.15TCr	581.7Cr
Short Term Debt Repaid, Total	-	-	-	-	-
Long-Term Debt Repaid, Total	-2.17TCr	-729.3Cr	-2.26TCr	-1.13TCr	-1.02TCr
Total Debt Repaid	-2.17TCr	-729.3Cr	-2.26TCr	-1.13TCr	-1.02TCr
Issuance of Common Stock	30Cr	31Cr	30Cr	31Cr	33Cr
Repurchase of Common Stock	-39Cr	-760.5Cr	-494.8Cr	-72Cr	-73Cr
Issuance of Preferred Stock	133Cr	205.2Cr	-	-	-
Repurchase of Preferred Stock	-137.5Cr	-210Cr	-	-	-
Common Dividends Paid	-46Cr	-88Cr	-95Cr	-93Cr	-93Cr
Preferred Dividends Paid	-28Cr	-27Cr	-23Cr	-23Cr	-23Cr
Common & Preferred Stock Dividends Paid	-74Cr	-115.71Cr	-117.8Cr	-115.9Cr	-116Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	4.25TCr	568.7Cr	2.25TCr	1.52TCr	1.42TCr
Special Dividend Paid	-	-26Cr	-	-	-
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	2.52TCr	47Cr	2.51TCr	1.38TCr	816.7Cr
Net Change in Cash	2.7TCr	-1.87TCr	920.2Cr	1.25TCr	-8.4Cr
Supplemental Items
Cash Interest Paid	358Cr	215.8Cr	360.9Cr	1.08TCr	1.32TCr
Cash Income Tax Paid (Refund)	99Cr	252.7Cr	185.2Cr	135.5Cr	110.5Cr
Net Debt Issued / Repaid	-1.65TCr	355.4Cr	842.3Cr	24Cr	-442.2Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.67	2.9	1.66	1.05	0.98
Return On Equity %	4.6	20.45	12.96	8.83	7.99
Return on Common Equity	4.38	21.46	13.56	9.07	8.14
Shareholders Value Added	-366.79Cr	580.55Cr	128.77Cr	-100.19Cr	-164.7Cr
Margin Analysis
SG&A Margin	71.53	46.32	62.24	68.75	70.81
Net Interest Income / Total Revenues %	125.49	74.65	95.46	110.93	113.91
EBT Excl. Non-Recurring Items Margin %	20.47	49.34	32.53	22.93	21.57
Income From Continuing Operations Margin %	14.88	38.28	25.91	18.54	17.33
Net Income Margin %	14.86	38.27	25.91	18.54	17.34
Net Avail. For Common Margin %	13.02	36.97	24.8	17.38	16.21
Normalized Net Income Margin	12.8	30.84	20.33	14.33	13.48
Asset quality
Nonperforming Loans / Total Loans %	0.4	0.4	0.43	0.48	0.61
Nonperforming Loans / Total Assets %	0.24	0.25	0.3	0.32	0.41
Nonperforming Assets / Total Assets %	0.25	0.26	0.31	0.33	0.42
NPAs / Loans and OREO	0.41	0.41	0.45	0.5	0.63
NPAs / Equity	1.73	1.87	2.67	2.74	3.39
Allowance for Credit Losses / Net Charge-offs %	297.88	511.64	333.25	181.79	151.27
Allowance for Credit Losses / Nonperforming Loans %	1.56T	1.04T	985.12	1T	814.94
Allowance for Credit Losses / Total Loans %	6.18	4.12	4.24	4.77	4.96
Net Charge-offs / Total Average Loans %	2.05	0.87	1.35	2.7	3.38
Provision for Loan Losses / Net Charge-offs %	196.44	-87.02	147.17	123.91	109.01
Earning Assets / IBL	121.54	124.94	123.26	120.92	121.01
Interest Income / Average Assets	6.33	6.07	7.09	8.96	9.58
Interest Expense / Average Assets	0.76	0.38	0.94	2.71	3.09
Net Interest Income / Average Assets	5.57	5.69	6.15	6.25	6.5
Non Interest Income / Average Assets	1.36	1.48	1.62	1.61	1.65
Non Interest Expense / Average Asset	3.53	3.86	4.35	4.34	4.47
Capital And Funding
Total Average Common Equity / Total Average Assets %	13.36	13.06	11.71	10.81	11.27
Total Average Equity / Total Average Assets %	14.56	14.2	12.8	11.85	12.27
Total Equity + Allowance for Loan Losses / Total Loans %	30.1	26.12	21.07	22.9	23.5
Gross Loans / Total Deposits %	82.4	89.2	93.81	91.99	90.38
Net Loans / Total Deposits %	77.3	85.52	89.83	87.6	85.9
Tier 1 Capital Ratio %	15.3	14.5	13.9	14.2	14.8
Total Capital Ratio %	17.7	16.9	15.8	16	16.4
Core Tier 1 Capital Ratio	13.7	13.1	12.5	12.9	13.5
Tier 2 Capital Ratio	2.42	2.33	1.99	1.8	1.63
Equity Tier 1 Capital Ratio	10	9.9	7.5	8.2	8.6
Coverage Ratio	-	-	-	-	-
Leverage Ratio %	11.2	11.6	11.1	11.2	11.6
Interbank Ratio	-	-	-	-	-
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	4.35	25.62	6.82	2.88	2.77
EBT + Interest Expense / Interest Expense	2.03	10.89	3.24	1.48	1.4
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-1.83	5.49	12.18	7.84	6.73
Non Interest Income, 1 Yr. Growth %	6.8	11.66	13.92	5.75	4.74
Provision For Loan Losses, 1 Yr. Growth %	64.59	-118.94	-400.77	78.31	12.37
Total Revenues, 1 Yr. Growth %	-18.33	77.33	-12.28	-7.19	3.93
Earnings From Cont. Operations, 1 Yr. Growth %	-50.89	356.16	-40.62	-33.6	-2.86
Net Income, 1 Yr. Growth %	-51.06	356.52	-40.6	-33.6	-2.8
Normalized Net Income, 1 Yr. Growth %	-48.49	361.17	-41.55	-34.58	-2.23
Diluted EPS Before Extra, 1 Yr. Growth %	-52.9	419.27	-33.54	-33.28	-3.1
Dividend Per Share, 1 Yr. Growth %	-37.5	100	20	0	0
Gross Loans, 1 Yr. Growth %	-5.34	10.21	12.61	2.61	2.28
Allowance For Loan Losses, 1 Yr. Growth %	115.93	-26.56	15.84	15.53	6.29
Net Loans, 1 Yr. Growth %	-8.72	12.64	12.47	2.03	2.08
Non Performing Loans, 1 Yr. Growth %	1.22	10.55	22.18	13.69	30.56
Non Performing Assets, 1 Yr. Growth %	-0.57	9.71	23.14	13.17	29.56
Total Assets, 1 Yr. Growth %	8	2.56	5.29	5.1	2.44
Total Deposits, 1 Yr Growth %	16.27	1.81	7.08	4.63	4.1
Tangible Book Value, 1 Yr. Growth %	5.96	1.67	-20.56	15.45	7.34
Average Interest Earning Assets, 1 Yr. Growth %	10.79	2.9	4.45	8.51	2.77
Average Interest Bearing Liabilities, 1 Yr. Growth %	9.69	0.1	5.86	10.61	2.7
Common Equity, 1 Yr. Growth %	4.14	1.49	-15.03	11.54	5.06
Total Equity, 1 Yr. Growth %	3.78	1.37	-13.84	10.47	4.64
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	0.08	1.76	8.78	9.99	7.28
Non Interest Income, 2 Yr. CAGR %	3.86	9.2	12.78	9.76	5.24
Provision For Loan Losses, 2 Yr. CAGR %	32.39	-44.17	-24.52	131.59	41.55
Total Revenues, 2 Yr. CAGR %	-9.35	20.34	24.72	-9.77	-1.79
Earnings From Cont. Operations, 2 Yr. CAGR %	-32.85	49.67	64.59	-37.21	-19.69
Net Income, 2 Yr. CAGR %	-32.83	49.47	64.68	-37.2	-19.66
Normalized Net Income, 2 Yr. CAGR %	-30.24	48.37	69.85	-38.16	-20.07
Diluted EPS Before Extra, 2 Yr. CAGR %	-33.79	56.38	85.77	-33.41	-19.59
Dividend Per Share, 2 Yr. CAGR %	-20.94	11.8	54.92	9.54	0
Gross Loans, 2 Yr. CAGR %	1.14	2.14	11.41	7.49	2.44
Allowance For Loan Losses, 2 Yr. CAGR %	46.82	25.93	-7.77	15.68	10.81
Net Loans, 2 Yr. CAGR %	-0.57	1.4	12.56	7.13	2.06
Non Performing Loans, 2 Yr. CAGR %	10.63	5.78	16.22	17.86	21.83
Non Performing Assets, 2 Yr. CAGR %	9.21	4.44	16.23	18.05	21.09
Total Assets, 2 Yr. CAGR %	6.38	5.24	3.91	5.19	3.76
Total Deposits, 2 Yr CAGR %	10.59	8.8	4.41	5.85	4.37
Tangible Book Value, 2 Yr. CAGR %	11.77	3.79	-10.13	-4.23	11.32
Average Interest Earning Assets, 2 Yr. CAGR %	6.64	6.77	3.67	6.46	5.6
Average Interest Bearing Liabilities, 2 Yr. CAGR %	6.19	4.78	2.94	8.21	6.58
Common Equity, 2 Yr. CAGR %	8.17	2.81	-7.14	-2.65	8.25
Total Equity, 2 Yr. CAGR %	7.94	2.57	-6.54	-2.44	7.52
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	0.67	1.85	5.12	8.47	8.89
Non Interest Income, 3 Yr. CAGR %	5.5	6.4	10.75	10.39	8.06
Provision For Loan Losses, 3 Yr. CAGR %	10.77	-30.76	-2.12	0.52	81.98
Total Revenues, 3 Yr. CAGR %	-2.48	13.37	8.31	13.02	-5.42
Earnings From Cont. Operations, 3 Yr. CAGR %	8.67	27.18	9.98	21.61	-27.38
Net Income, 3 Yr. CAGR %	11.05	27.24	9.89	21.66	-27.35
Normalized Net Income, 3 Yr. CAGR %	-13.75	27.64	8.39	23.58	-27.96
Diluted EPS Before Extra, 3 Yr. CAGR %	11.34	31.54	17.57	32.05	-24.54
Dividend Per Share, 3 Yr. CAGR %	-14.5	7.72	14.47	33.89	6.27
Gross Loans, 3 Yr. CAGR %	-0.39	4.08	5.52	8.39	5.73
Allowance For Loan Losses, 3 Yr. CAGR %	27.54	16.55	22.47	-0.58	12.46
Net Loans, 3 Yr. CAGR %	-1.51	3.65	4.96	8.93	5.42
Non Performing Loans, 3 Yr. CAGR %	3.44	10.6	10.99	15.37	21.95
Non Performing Assets, 3 Yr. CAGR %	-0.38	9.38	10.34	15.2	21.77
Total Assets, 3 Yr. CAGR %	4.86	5.09	5.26	4.31	4.27
Total Deposits, 3 Yr CAGR %	7.82	7.58	8.22	4.49	5.26
Tangible Book Value, 3 Yr. CAGR %	11.35	8.3	-5.06	-2.31	-0.52
Average Interest Earning Assets, 3 Yr. CAGR %	5.49	5.38	5.99	5.26	5.22
Average Interest Bearing Liabilities, 3 Yr. CAGR %	4.99	4.12	5.14	5.44	6.34
Common Equity, 3 Yr. CAGR %	7.65	5.9	-3.52	-1.29	-0.15
Total Equity, 3 Yr. CAGR %	7.3	5.71	-3.22	-1.18	-0.13
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	4	2.98	3.84	5.03	5.98
Non Interest Income, 5 Yr. CAGR %	4.14	6.24	8.36	7.73	8.51
Provision For Loan Losses, 5 Yr. CAGR %	17.74	-21.35	-4.99	12.23	13.44
Total Revenues, 5 Yr. CAGR %	-0.66	11.2	7.61	3.48	4.15
Earnings From Cont. Operations, 5 Yr. CAGR %	-7.5	26.87	28.3	-4.1	-3.02
Net Income, 5 Yr. CAGR %	-7.69	26.99	30	-4.07	-3.05
Normalized Net Income, 5 Yr. CAGR %	-9.62	22.4	9.66	-4.68	-4.02
Diluted EPS Before Extra, 5 Yr. CAGR %	-5.81	31.21	36.64	0.19	1
Dividend Per Share, 5 Yr. CAGR %	-7.79	4.56	8.45	8.45	8.45
Gross Loans, 5 Yr. CAGR %	1.81	2.45	4.17	5.43	4.28
Allowance For Loan Losses, 5 Yr. CAGR %	24.85	11.94	12.03	16.2	17.67
Net Loans, 5 Yr. CAGR %	0.98	2.14	3.89	5.03	3.79
Non Performing Loans, 5 Yr. CAGR %	-3.19	-7.21	8.37	13.45	15.21
Non Performing Assets, 5 Yr. CAGR %	-6.99	-9.5	5.96	12.77	14.52
Total Assets, 5 Yr. CAGR %	4.77	3.9	4.48	5.13	4.66
Total Deposits, 5 Yr CAGR %	7.01	5.6	6.44	6.88	6.66
Tangible Book Value, 5 Yr. CAGR %	7.36	8.1	2.2	3.1	1.18
Average Interest Earning Assets, 5 Yr. CAGR %	6.01	4.81	4.76	5.81	5.84
Average Interest Bearing Liabilities, 5 Yr. CAGR %	6.07	4.01	4.17	5.74	5.72
Common Equity, 5 Yr. CAGR %	4.7	5.42	1.47	2.39	1.03
Total Equity, 5 Yr. CAGR %	4.95	5.13	1.53	2.37	0.94