Cash flow Capital One Financial Corporation

Equities

COF

US14040H1059

Consumer Lending

Market Closed - Nyse Other stock markets 02:30:02 07/03/2026 am IST			5-day change	1st Jan Change
187.71 ^USD	-3.38%		-4.05%	-22.55%

18/02	Third Point raises share stake in Nvidia, Danaher, cuts in Amazon, Microsoft, Kenvue	RE
17/02	Capital One Financial - Jan 2026 Domestic Credit Card Net Charge-Offs Rate 5.04%	RE

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Published financial data: CAPITAL ONE FINANCIAL CORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	2.43TCr	2.89TCr	3.74TCr	4.09TCr	5.3TCr
Interest Income On Investments	150.6Cr	232.7Cr	452.8Cr	514Cr	567.5Cr
Interest Income, Total	2.58TCr	3.12TCr	4.19TCr	4.6TCr	5.87TCr
Interest On Deposits	96Cr	253.5Cr	948.9Cr	1.15TCr	1.29TCr
Total Interest On Borrowings	64Cr	158.8Cr	320.8Cr	333.3Cr	289.3Cr
Interest Expense, Total	159.8Cr	412.3Cr	1.27TCr	1.48TCr	1.58TCr
Net Interest Income	2.42TCr	2.71TCr	2.92TCr	3.12TCr	4.29TCr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	20L	-	-3.4Cr	-3.5Cr	-
Total Other Non Interest Income	626.2Cr	713.6Cr	758Cr	793.9Cr	1.06TCr
Non Interest Income, Total	626.4Cr	713.6Cr	754.6Cr	790.4Cr	1.06TCr
Revenues Before Provison For Loan Losses	3.04TCr	3.42TCr	3.68TCr	3.91TCr	5.34TCr
Provision For Loan Losses	-194.4Cr	584.7Cr	1.04TCr	1.17TCr	2.07TCr
Total Revenues	3.24TCr	2.84TCr	2.64TCr	2.74TCr	3.28TCr
Salaries And Other Employee Benefits	705.7Cr	807.5Cr	875Cr	878.7Cr	1.16TCr
Amort. of Goodwill & Intang. Assets	2.9Cr	7Cr	8.2Cr	7.7Cr	132.6Cr
Occupancy Expense	165.6Cr	172.8Cr	187.2Cr	209.4Cr	288.6Cr
Selling General & Admin Expenses, Total	628.4Cr	787.5Cr	750Cr	851.7Cr	1.12TCr
Total Other Non Interest Expense	137.8Cr	141.5Cr	211.2Cr	201.1Cr	345.7Cr
Non Interest Expense, Total	1.64TCr	1.92TCr	2.03TCr	2.15TCr	3.05TCr
EBT, Excl. Unusual Items	1.6TCr	924Cr	604.5Cr	591Cr	228.1Cr
Insurance Settlements	-	-	-	-	-
Legal Settlements	-	-	-	-	-
Other Unusual Items	-17Cr	-	-	-	-
EBT, Incl. Unusual Items	1.58TCr	924Cr	604.5Cr	591Cr	228.1Cr
Income Tax Expense	341.5Cr	188Cr	115.8Cr	116.3Cr	19Cr
Earnings From Continuing Operations	1.24TCr	736Cr	488.7Cr	474.7Cr	208.8Cr
Earnings Of Discontinued Operations	-40L	-	-	30L	36Cr
Net Income to Company	1.24TCr	736Cr	488.7Cr	475Cr	245.3Cr
Net Income - (IS)	1.24TCr	736Cr	488.7Cr	475Cr	245.3Cr
Preferred Dividend and Other Adjustments	42Cr	32Cr	30Cr	30Cr	27Cr
Net Income to Common Incl Extra Items	1.2TCr	704.4Cr	458.2Cr	444.5Cr	218.1Cr
Net Income to Common Excl. Extra Items	1.2TCr	704.4Cr	458.2Cr	444.2Cr	181.6Cr
Per Share Items
Net EPS - Basic	27.04	17.98	11.98	11.61	4.03
Basic EPS - Continuing Operations	27.05	17.98	11.98	11.61	3.36
Basic Weighted Average Shares Outstanding	44Cr	39Cr	38Cr	38Cr	54Cr
Net EPS - Diluted	26.94	17.91	11.95	11.59	4.03
Diluted EPS - Continuing Operations	26.95	17.91	11.95	11.58	3.36
Diluted Weighted Average Shares Outstanding	44Cr	39Cr	38Cr	38Cr	54Cr
Normalized Basic EPS	22.56	14.74	9.88	9.65	2.64
Normalized Diluted EPS	22.48	14.69	9.85	9.63	2.63
Dividend Per Share	2	2.4	2.4	2.4	2.6
Payout Ratio	9.34	16.01	23.72	24.42	72.08
American Depositary Receipts Ratio (ADR)	0.5	0.5	0.5	0.5	0.5
Supplemental Items
Effective Tax Rate - (Ratio)	21.6	20.35	19.16	19.68	8.46
Current Domestic Taxes	265.8Cr	254.8Cr	180.5Cr	199.3Cr	201Cr
Current Foreign Taxes	15Cr	10Cr	7.6Cr	2.3Cr	9Cr
Total Current Taxes	281Cr	265.2Cr	188.1Cr	201.6Cr	210Cr
Deferred Domestic Taxes	58Cr	-77Cr	-69Cr	-88Cr	-189.9Cr
Deferred Foreign Taxes	2.4Cr	20L	-3.1Cr	2.9Cr	-80L
Total Deferred Taxes	60Cr	-77Cr	-72Cr	-85Cr	-190.7Cr
Normalized Net Income	998.44Cr	577.5Cr	377.81Cr	369.38Cr	142.56Cr
Non-Cash Pension Expense	-1.2Cr	-80L	-60L	-60L	-
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	36Cr	35Cr	55Cr	61Cr	83Cr
Total Stock-Based Compensation	36Cr	35Cr	55Cr	61Cr	83Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	2.17TCr	3.09TCr	4.33TCr	4.32TCr	5.74TCr
Investment Securities, Total	1.24TCr	648.1Cr	721.6Cr	1.11TCr	1.48TCr
Trading Asset Securities, Total	214.8Cr	196.4Cr	167Cr	117.6Cr	179.3Cr
Mortgage Backed Securities	8.3TCr	7.05TCr	7.2TCr	7.32TCr	7.76TCr
Total investments	9.75TCr	7.89TCr	8.08TCr	8.55TCr	9.42TCr
Gross Loans	28TCr	31TCr	32TCr	33TCr	45TCr
Allowance For Loan Losses	-1.14TCr	-1.32TCr	-1.53TCr	-1.63TCr	-2.34TCr
Net Loans	27TCr	30TCr	31TCr	31TCr	43TCr
Gross Property Plant And Equipment	988.1Cr	1.05TCr	1.06TCr	1.11TCr	1.32TCr
Accumulated Depreciation	-453.4Cr	-500.4Cr	-518.1Cr	-560.2Cr	-660.1Cr
Net Property Plant And Equipment	534.7Cr	547.9Cr	538.4Cr	548.5Cr	657.9Cr
Goodwill	1.48TCr	1.48TCr	1.51TCr	1.51TCr	2.85TCr
Other Intangibles, Total	11Cr	16Cr	31Cr	23Cr	1.66TCr
Investment in FHLB	3.2Cr	1.5Cr	1.8Cr	1.8Cr	8.9Cr
Loans Held For Sale	588.8Cr	20Cr	85Cr	20Cr	76Cr
Accrued Interest Receivable	146Cr	210.4Cr	247.8Cr	253.2Cr	349.2Cr
Restricted Cash	31Cr	40Cr	46Cr	44Cr	465.9Cr
Other Current Assets, Total	21Cr	16Cr	12Cr	-	50L
Other Real Estate Owned And Foreclosed	4Cr	5.5Cr	4.5Cr	6.5Cr	12Cr
Other Long-Term Assets, Total	1.9TCr	2.3TCr	2.44TCr	2.59TCr	2.64TCr
Total Assets	43TCr	46TCr	48TCr	49TCr	67TCr
Liabilities
Accrued Expenses, Total	620Cr	680Cr	740Cr	820Cr	1.11TCr
Interest Bearing Deposits	27TCr	29TCr	30TCr	32TCr	43TCr
Institutional Deposits	180Cr	610Cr	1.58TCr	1.52TCr	1.74TCr
Non-Interest Bearing Deposits	3.8TCr	3.22TCr	2.8TCr	2.61TCr	2.74TCr
Total Deposits	31TCr	33TCr	35TCr	36TCr	48TCr
Short-Term Borrowings	214.4Cr	419.8Cr	287.3Cr	229Cr	271.5Cr
Current Portion of Long-Term Debt	799.9Cr	532.5Cr	711.1Cr	949.9Cr	842.1Cr
Current Portion of Leases	30Cr	28Cr	25Cr	24Cr	25Cr
Long-Term Debt	3.42TCr	4.25TCr	4.22TCr	3.55TCr	4.04TCr
Federal Home Loan Bank Debt - Long-Term	-	-	-	-	103.7Cr
Long-Term Leases	123.9Cr	121.3Cr	108.9Cr	105Cr	102.7Cr
Accrued Interest Payable	28Cr	53Cr	65Cr	67Cr	84Cr
Pension & Other Post Retirement Benefits	2.1Cr	1.5Cr	1.3Cr	1.1Cr	1Cr
Other Non Current Liabilities	797.5Cr	884.5Cr	1.04TCr	923.2Cr	1.38TCr
Total Liabilities	37TCr	40TCr	42TCr	43TCr	56TCr
Preferred Stock - Others	484.5Cr	484.5Cr	484.5Cr	484.5Cr	540.7Cr
Total Preferred Equity	484.5Cr	484.5Cr	484.5Cr	484.5Cr	540.7Cr
Common Stock, Total	70L	70L	70L	70L	70L
Additional Paid In Capital	2.93TCr	2.99TCr	3.07TCr	3.16TCr	5.86TCr
Retained Earnings	5.1TCr	5.72TCr	6.09TCr	6.45TCr	6.52TCr
Treasury Stock	-2.45TCr	-2.94TCr	-3.01TCr	-3.09TCr	-1.01TCr
Comprehensive Income and Other	37Cr	-991.6Cr	-826.8Cr	-928.6Cr	-546.8Cr
Total Common Equity	5.62TCr	4.77TCr	5.32TCr	5.59TCr	11TCr
Total Equity	6.1TCr	5.26TCr	5.81TCr	6.08TCr	11TCr
Total Liabilities And Equity	43TCr	46TCr	48TCr	49TCr	67TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	41Cr	38Cr	38Cr	38Cr	62Cr
ECS Total Common Shares Outstanding	41Cr	38Cr	38Cr	38Cr	63Cr
Book Value / Share	135.76	125.19	139.97	146.73	173.11
Tangible Book Value	4.13TCr	3.28TCr	3.79TCr	4.06TCr	6.31TCr
Tangible Book Value Per Share	99.77	86.02	99.55	106.62	100.98
Tangible Book Value Per Share (As Reported)	99.74	86.11	99.78	106.97	107.72
Average Assets	42TCr	44TCr	47TCr	48TCr	60TCr
Average Loans	26TCr	29TCr	31TCr	32TCr	40TCr
Total Debt	4.59TCr	5.35TCr	5.35TCr	4.85TCr	5.39TCr
Deposits at Interest - Cash	1.76TCr	2.57TCr	3.84TCr	4.02TCr	5.44TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-11Cr	-9.4Cr	-11Cr	-12Cr	-14Cr
Net Debt	2.2TCr	2.07TCr	853.6Cr	413.8Cr	-534Cr
Equity Method Investments, Total	5Cr	-	-	-	-
Full Time Employees	50.77T	55.94T	51.99T	52.6T	76.3T

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	1.24TCr	736Cr	488.7Cr	475Cr	245.3Cr
Depreciation, Depletion & Amortization	337.3Cr	304.7Cr	305.6Cr	308.3Cr	385.4Cr
Amortization of Goodwill and Intangible Assets - (CF)	11Cr	16Cr	17Cr	15Cr	140.6Cr
Total Depreciation, Depletion & Amortization	348.1Cr	321Cr	322.6Cr	323.7Cr	526Cr
Gain (Loss) on Sale of Loans & Receivables - (CF)	10L	-20Cr	60L	2.9Cr	30L
(Gain) Loss on Sale of Investments - (CF)	-20L	90L	3.4Cr	3.5Cr	-
Provision for Credit Losses	-194.4Cr	584.7Cr	1.04TCr	1.17TCr	2.07TCr
Stock-Based Compensation (CF)	33Cr	31Cr	51Cr	57Cr	78Cr
Net (Increase) Decrease in Loans Originated / Sold - Operating	-1.8Cr	86Cr	-17Cr	18Cr	-51Cr
Changes in Accrued Interest Receivable	1.7Cr	-64Cr	-36Cr	-5.4Cr	-3.4Cr
Changes in Accrued Interest Payable	-7.1Cr	25Cr	12Cr	1.7Cr	-17Cr
Change in Other Net Operating Assets (Collected)	-252Cr	-246.2Cr	256.2Cr	-153Cr	147.9Cr
Other Operating Activities	65Cr	-73Cr	-67Cr	-79Cr	-227.9Cr
Net Cash From Discontinued Operations	-60L	-30L	-	-40L	8.4Cr
Cash from Operations	1.23TCr	1.38TCr	2.06TCr	1.82TCr	2.77TCr
Capital Expenditure	-70Cr	-93Cr	-96Cr	-120.4Cr	-157.8Cr
Cash Acquisitions	-67Cr	-117.6Cr	-278.5Cr	-	1.65TCr
Investment in Marketable and Equity Securities, Total	186.1Cr	679.4Cr	-131.5Cr	-515.9Cr	944Cr
Net (Increase) Decrease in Loans Originated / Sold - Investing	-3.13TCr	-3.38TCr	-1.55TCr	-1.84TCr	-3.18TCr
Other Investing Activities, Total	-67Cr	-63Cr	-132.5Cr	-161.7Cr	698Cr
Cash from Investing	-3.15TCr	-2.97TCr	-2.19TCr	-2.64TCr	-44Cr
Short Term Debt Issued, Total	-	-	-	-	-
Long-Term Debt Issued, Total	1.08TCr	3.1TCr	1.15TCr	581.7Cr	903.1Cr
Total Debt Issued	1.08TCr	3.1TCr	1.15TCr	581.7Cr	903.1Cr
Long-Term Debt Repaid, Total	-729.3Cr	-2.26TCr	-1.13TCr	-1.02TCr	-1.79TCr
Total Debt Repaid	-729.3Cr	-2.26TCr	-1.13TCr	-1.02TCr	-1.79TCr
Issuance of Common Stock	31Cr	30Cr	31Cr	33Cr	41Cr
Repurchase of Common Stock	-760.5Cr	-494.8Cr	-72Cr	-73Cr	-409.9Cr
Issuance of Preferred Stock	205.2Cr	-	-	-	-
Repurchase of Preferred Stock	-210Cr	-	-	-	-50Cr
Common Dividends Paid	-88Cr	-95Cr	-93Cr	-93Cr	-151.6Cr
Preferred Dividends Paid	-27Cr	-23Cr	-23Cr	-23Cr	-25Cr
Common & Preferred Stock Dividends Paid	-115.71Cr	-117.8Cr	-115.9Cr	-116Cr	-176.8Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	568.7Cr	2.25TCr	1.52TCr	1.42TCr	593.1Cr
Special Dividend Paid	-26Cr	-	-	-	-
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	47Cr	2.51TCr	1.38TCr	816.7Cr	-885.2Cr
Net Change in Cash	-1.87TCr	920.2Cr	1.25TCr	-8.4Cr	1.84TCr
Supplemental Items
Cash Interest Paid	215.8Cr	360.9Cr	1.08TCr	1.32TCr	1.49TCr
Cash Income Tax Paid (Refund)	252.7Cr	185.2Cr	135.5Cr	110.5Cr	81Cr
Net Debt Issued / Repaid	355.4Cr	842.3Cr	24Cr	-442.2Cr	-882.5Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	2.9	1.66	1.05	0.98	0.36
Return On Equity %	20.45	12.96	8.83	7.99	2.39
Return on Common Equity	21.46	13.56	9.07	8.14	2.21
Shareholders Value Added	580.55Cr	128.77Cr	-100.19Cr	-164.7Cr	-598.99Cr
Margin Analysis
SG&A Margin	46.32	62.24	68.75	70.81	78.45
Net Interest Income / Total Revenues %	74.65	95.46	110.93	113.91	130.81
EBT Excl. Non-Recurring Items Margin %	49.34	32.53	22.93	21.57	6.96
Income From Continuing Operations Margin %	38.28	25.91	18.54	17.33	6.37
Net Income Margin %	38.27	25.91	18.54	17.34	7.48
Net Avail. For Common Margin %	36.97	24.8	17.38	16.21	5.54
Normalized Net Income Margin	30.84	20.33	14.33	13.48	4.35
Asset quality
Nonperforming Loans / Total Loans %	0.4	0.43	0.48	0.61	0.4
Nonperforming Loans / Total Assets %	0.25	0.3	0.32	0.41	0.27
Nonperforming Assets / Total Assets %	0.26	0.31	0.33	0.42	0.29
NPAs / Loans and OREO	0.41	0.45	0.5	0.63	0.43
NPAs / Equity	1.87	2.67	2.74	3.39	1.7
Allowance for Credit Losses / Net Charge-offs %	511.64	333.25	181.79	151.27	178.67
Allowance for Credit Losses / Nonperforming Loans %	1.04T	985.12	1T	814.94	1.29T
Allowance for Credit Losses / Total Loans %	4.12	4.24	4.77	4.96	5.16
Net Charge-offs / Total Average Loans %	0.87	1.35	2.7	3.38	3.3
Provision for Loan Losses / Net Charge-offs %	-87.02	147.17	123.91	109.01	157.65
Earning Assets / IBL	124.94	123.26	120.92	121.01	120.86
Interest Income / Average Assets	6.07	7.09	8.96	9.58	9.82
Interest Expense / Average Assets	0.38	0.94	2.71	3.09	2.65
Net Interest Income / Average Assets	5.69	6.15	6.25	6.5	7.18
Non Interest Income / Average Assets	1.48	1.62	1.61	1.65	1.77
Non Interest Expense / Average Asset	3.86	4.35	4.34	4.47	5.1
Capital And Funding
Total Average Common Equity / Total Average Assets %	13.06	11.71	10.81	11.27	14.16
Total Average Equity / Total Average Assets %	14.2	12.8	11.85	12.27	15.05
Total Equity + Allowance for Loan Losses / Total Loans %	26.12	21.07	22.9	23.5	30.21
Gross Loans / Total Deposits %	89.2	93.81	91.99	90.38	95.34
Net Loans / Total Deposits %	85.52	89.83	87.6	85.9	90.42
Tier 1 Capital Ratio %	14.5	13.9	14.2	14.8	15.3
Total Capital Ratio %	16.9	15.8	16	16.4	17.2
Core Tier 1 Capital Ratio	13.1	12.5	12.9	13.5	14.3
Tier 2 Capital Ratio	2.33	1.99	1.8	1.63	1.86
Equity Tier 1 Capital Ratio	9.9	7.5	8.2	8.6	10.7
Coverage Ratio	-	-	-	-	-
Leverage Ratio %	11.6	11.1	11.2	11.6	12.5
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	25.62	6.82	2.88	2.77	1.79
EBT + Interest Expense / Interest Expense	10.89	3.24	1.48	1.4	1.14
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	5.49	12.18	7.84	6.73	37.39
Non Interest Income, 1 Yr. Growth %	11.66	13.92	5.75	4.74	33.55
Provision For Loan Losses, 1 Yr. Growth %	-118.94	-400.77	78.31	12.37	76.3
Total Revenues, 1 Yr. Growth %	77.33	-12.28	-7.19	3.93	19.65
Earnings From Cont. Operations, 1 Yr. Growth %	356.16	-40.62	-33.6	-2.86	-56.01
Net Income, 1 Yr. Growth %	356.52	-40.6	-33.6	-2.8	-48.36
Normalized Net Income, 1 Yr. Growth %	361.17	-41.55	-34.58	-2.23	-61.4
Diluted EPS Before Extra, 1 Yr. Growth %	419.27	-33.54	-33.28	-3.1	-71
Dividend Per Share, 1 Yr. Growth %	100	20	0	0	8.33
Gross Loans, 1 Yr. Growth %	10.21	12.61	2.61	2.28	38.39
Allowance For Loan Losses, 1 Yr. Growth %	-26.56	15.84	15.53	6.29	43.98
Net Loans, 1 Yr. Growth %	12.64	12.47	2.03	2.08	38.1
Non Performing Loans, 1 Yr. Growth %	10.55	22.18	13.69	30.56	-8.82
Non Performing Assets, 1 Yr. Growth %	9.71	23.14	13.17	29.56	-6.12
Total Assets, 1 Yr. Growth %	2.56	5.29	5.1	2.44	36.49
Total Deposits, 1 Yr Growth %	1.81	7.08	4.63	4.1	31.17
Tangible Book Value, 1 Yr. Growth %	1.67	-20.56	15.45	7.34	55.29
Average Interest Earning Assets, 1 Yr. Growth %	2.9	4.45	8.51	2.77	20.55
Average Interest Bearing Liabilities, 1 Yr. Growth %	0.1	5.86	10.61	2.7	20.7
Common Equity, 1 Yr. Growth %	1.49	-15.03	11.54	5.06	93.44
Total Equity, 1 Yr. Growth %	1.37	-13.84	10.47	4.64	86.92
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	1.76	8.78	9.99	7.28	21.09
Non Interest Income, 2 Yr. CAGR %	9.2	12.78	9.76	5.24	18.27
Provision For Loan Losses, 2 Yr. CAGR %	-44.17	-24.52	131.59	41.55	40.75
Total Revenues, 2 Yr. CAGR %	20.34	24.72	-9.77	-1.79	11.51
Earnings From Cont. Operations, 2 Yr. CAGR %	49.67	64.59	-37.21	-19.69	-34.64
Net Income, 2 Yr. CAGR %	49.47	64.68	-37.2	-19.66	-29.15
Normalized Net Income, 2 Yr. CAGR %	48.37	69.85	-38.16	-20.07	-38.57
Diluted EPS Before Extra, 2 Yr. CAGR %	56.38	85.77	-33.41	-19.59	-46.99
Dividend Per Share, 2 Yr. CAGR %	11.8	54.92	9.54	0	4.08
Gross Loans, 2 Yr. CAGR %	2.14	11.41	7.49	2.44	18.97
Allowance For Loan Losses, 2 Yr. CAGR %	25.93	-7.77	15.68	10.81	23.71
Net Loans, 2 Yr. CAGR %	1.4	12.56	7.13	2.06	18.72
Non Performing Loans, 2 Yr. CAGR %	5.78	16.22	17.86	21.83	9.11
Non Performing Assets, 2 Yr. CAGR %	4.44	16.23	18.05	21.09	10.29
Total Assets, 2 Yr. CAGR %	5.24	3.91	5.19	3.76	18.25
Total Deposits, 2 Yr CAGR %	8.8	4.41	5.85	4.37	16.86
Tangible Book Value, 2 Yr. CAGR %	3.79	-10.13	-4.23	11.32	29.11
Average Interest Earning Assets, 2 Yr. CAGR %	6.77	3.67	6.46	5.6	11.31
Average Interest Bearing Liabilities, 2 Yr. CAGR %	4.78	2.94	8.21	6.58	11.34
Common Equity, 2 Yr. CAGR %	2.81	-7.14	-2.65	8.25	42.56
Total Equity, 2 Yr. CAGR %	2.57	-6.54	-2.44	7.52	39.85
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	1.85	5.12	8.47	8.89	16.51
Non Interest Income, 3 Yr. CAGR %	6.4	10.75	10.39	8.06	13.94
Provision For Loan Losses, 3 Yr. CAGR %	-30.76	-2.12	0.52	81.98	52.3
Total Revenues, 3 Yr. CAGR %	13.37	8.31	13.02	-5.42	4.89
Earnings From Cont. Operations, 3 Yr. CAGR %	27.18	9.98	21.61	-27.38	-34.29
Net Income, 3 Yr. CAGR %	27.24	9.89	21.66	-27.35	-30.67
Normalized Net Income, 3 Yr. CAGR %	27.64	8.39	23.58	-27.96	-37.29
Diluted EPS Before Extra, 3 Yr. CAGR %	31.54	17.57	32.05	-24.54	-42.76
Dividend Per Share, 3 Yr. CAGR %	7.72	14.47	33.89	6.27	2.7
Gross Loans, 3 Yr. CAGR %	4.08	5.52	8.39	5.73	13.24
Allowance For Loan Losses, 3 Yr. CAGR %	16.55	22.47	-0.58	12.46	20.92
Net Loans, 3 Yr. CAGR %	3.65	4.96	8.93	5.42	12.88
Non Performing Loans, 3 Yr. CAGR %	10.6	10.99	15.37	21.95	10.61
Non Performing Assets, 3 Yr. CAGR %	9.38	10.34	15.2	21.77	11.24
Total Assets, 3 Yr. CAGR %	5.09	5.26	4.31	4.27	13.69
Total Deposits, 3 Yr CAGR %	7.58	8.22	4.49	5.26	12.63
Tangible Book Value, 3 Yr. CAGR %	8.3	-5.06	-2.31	-0.52	24.38
Average Interest Earning Assets, 3 Yr. CAGR %	5.38	5.99	5.26	5.22	10.37
Average Interest Bearing Liabilities, 3 Yr. CAGR %	4.12	5.14	5.44	6.34	11.09
Common Equity, 3 Yr. CAGR %	5.9	-3.52	-1.29	-0.15	31.36
Total Equity, 3 Yr. CAGR %	5.71	-3.22	-1.18	-0.13	29.28
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	2.98	3.84	5.03	5.98	13.35
Non Interest Income, 5 Yr. CAGR %	6.24	8.36	7.73	8.51	13.48
Provision For Loan Losses, 5 Yr. CAGR %	-21.35	-4.99	12.23	13.44	15.01
Total Revenues, 5 Yr. CAGR %	11.2	7.61	3.48	4.15	12.41
Earnings From Cont. Operations, 5 Yr. CAGR %	26.87	28.3	-4.1	-3.02	-5.13
Net Income, 5 Yr. CAGR %	26.99	30	-4.07	-3.05	-2
Normalized Net Income, 5 Yr. CAGR %	22.4	9.66	-4.68	-4.02	-6.56
Diluted EPS Before Extra, 5 Yr. CAGR %	31.21	36.64	0.19	1	-8.34
Dividend Per Share, 5 Yr. CAGR %	4.56	8.45	8.45	8.45	21.06
Gross Loans, 5 Yr. CAGR %	2.45	4.17	5.43	4.28	12.5
Allowance For Loan Losses, 5 Yr. CAGR %	11.94	12.03	16.2	17.67	8.51
Net Loans, 5 Yr. CAGR %	2.14	3.89	5.03	3.79	12.75
Non Performing Loans, 5 Yr. CAGR %	-7.21	8.37	13.45	15.21	12.82
Non Performing Assets, 5 Yr. CAGR %	-9.5	5.96	12.77	14.52	13.21
Total Assets, 5 Yr. CAGR %	3.9	4.48	5.13	4.66	9.67
Total Deposits, 5 Yr CAGR %	5.6	6.44	6.88	6.66	9.27
Tangible Book Value, 5 Yr. CAGR %	8.1	2.2	3.1	1.18	9.22
Average Interest Earning Assets, 5 Yr. CAGR %	4.81	4.76	5.81	5.84	7.64
Average Interest Bearing Liabilities, 5 Yr. CAGR %	4.01	4.17	5.74	5.72	7.76
Common Equity, 5 Yr. CAGR %	5.42	1.47	2.39	1.03	14.35
Total Equity, 5 Yr. CAGR %	5.13	1.53	2.37	0.94	13.54