Financial Ratios Cathay General Bancorp

Stocks

CATY

US1491501045

Banks

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09/06	Cathay General Insider Sold Shares Worth $1,462,480, According to a Recent SEC Filing	MT
23/05	Cathay General Bancorp and Cathay Bank Appoint Lana Chan as Member of the Audit Committee and the Investment Committee, Audit Committee Financial Expert, Effective May 22, 2026	CI

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Published financial data: CATHAY GENERAL BANCORP

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	65Cr	80Cr	113.02Cr	121.72Cr	120.65Cr
Interest Income On Investments	1.73Cr	4.93Cr	11Cr	12Cr	10Cr
Interest Income, Total	67Cr	85Cr	124.22Cr	133.5Cr	130.93Cr
Interest On Deposits	6.18Cr	11Cr	47Cr	64Cr	55Cr
Total Interest On Borrowings	69.55L	1.23Cr	3.25Cr	2.47Cr	1.5Cr
Interest Expense, Total	6.88Cr	12Cr	50Cr	66Cr	57Cr
Net Interest Income	60Cr	73Cr	74Cr	67Cr	74Cr
Service Charges On Deposits	55.84L	65.23L	64.32L	65.74L	75.73L
Trust Income	-	1.64Cr	1.75Cr	2.41Cr	2.37Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-6L	4L	1.52Cr	-64.09L	73.92L
Total Other Non Interest Income	4.96Cr	3.35Cr	2.91Cr	3.14Cr	3.68Cr
Non Interest Income, Total	5.46Cr	5.68Cr	6.83Cr	5.57Cr	7.54Cr
Revenues Before Provison For Loan Losses	65Cr	79Cr	81Cr	73Cr	82Cr
Provision For Loan Losses	-1.6Cr	1.45Cr	2.6Cr	3.75Cr	7.26Cr
Total Revenues	67Cr	78Cr	78Cr	69Cr	75Cr
Salaries And Other Employee Benefits	13Cr	13Cr	15Cr	16Cr	17Cr
Amort. of Goodwill & Intang. Assets	7L	18.92L	13.1L	10.98L	9L
Federal Deposit Insurance	71.32L	80.37L	2.36Cr	1.43Cr	1.14Cr
Selling General & Admin Expenses, Total	8.49Cr	9.25Cr	10Cr	10Cr	11Cr
(Income) Loss on Real Estate Property	4.58Cr	4.22Cr	8.74Cr	7.53Cr	4.25Cr
Total Other Non Interest Expense	1.99Cr	1.99Cr	2.05Cr	1.93Cr	2.08Cr
Non Interest Expense, Total	28Cr	30Cr	38Cr	37Cr	36Cr
EBT, Excl. Unusual Items	38Cr	48Cr	40Cr	32Cr	39Cr
Total Merger & Related Restructuring Charges	-14.25L	-41.27L	-7L	-	-
Impairment of Goodwill	-	-	-	-	-
Gain (Loss) on Sale of Investments	-	-	-	-	-
Other Unusual Items	-7L	-	-	-	-
EBT, Incl. Unusual Items	38Cr	47Cr	40Cr	32Cr	39Cr
Income Tax Expense	8.35Cr	11Cr	4.95Cr	3.16Cr	7.51Cr
Earnings From Continuing Operations	30Cr	36Cr	35Cr	29Cr	32Cr
Net Income to Company	30Cr	36Cr	35Cr	29Cr	32Cr
Net Income - (IS)	30Cr	36Cr	35Cr	29Cr	32Cr
Net Income to Common Incl Extra Items	30Cr	36Cr	35Cr	29Cr	32Cr
Net Income to Common Excl. Extra Items	30Cr	36Cr	35Cr	29Cr	32Cr
Per Share Items
Net EPS - Basic	3.81	4.85	4.88	3.97	4.55
Basic EPS - Continuing Operations	3.81	4.85	4.88	3.97	4.55
Basic Weighted Average Shares Outstanding	7.83Cr	7.43Cr	7.26Cr	7.21Cr	6.92Cr
Net EPS - Diluted	3.8	4.83	4.86	3.95	4.54
Diluted EPS - Continuing Operations	3.8	4.83	4.86	3.95	4.54
Diluted Weighted Average Shares Outstanding	7.86Cr	7.47Cr	7.29Cr	7.23Cr	6.95Cr
Normalized Basic EPS	3.07	4.01	3.48	2.75	3.52
Normalized Diluted EPS	3.05	3.99	3.47	2.74	3.51
Dividend Per Share	1.3	1.36	1.36	1.36	1.4
Payout Ratio	33.3	27.99	27.85	34.26	29.77
Supplemental Items
Effective Tax Rate - (Ratio)	21.88	23.68	12.25	9.94	19.24
Current Domestic Taxes	7.44Cr	11Cr	5.42Cr	5.23Cr	6.29Cr
Total Current Taxes	7.44Cr	11Cr	5.42Cr	5.23Cr	6.29Cr
Deferred Domestic Taxes	91.68L	-20.88L	-47.82L	-2.08Cr	1.21Cr
Total Deferred Taxes	91.68L	-20.88L	-47.82L	-2.08Cr	1.21Cr
Normalized Net Income	24Cr	30Cr	25Cr	20Cr	24Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	68.1L	78.32L	78.36L	68.04L	76.1L
Total Stock-Based Compensation	68.1L	78.32L	78.36L	68.04L	76.1L

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	244.31Cr	112.88Cr	81Cr	103.06Cr	142.01Cr
Investment Securities, Total	55Cr	92Cr	114.59Cr	116.26Cr	134.51Cr
Trading Asset Securities, Total	40.24L	4L	3.9Cr	3.32Cr	2.42Cr
Mortgage Backed Securities	90Cr	90Cr	81Cr	71Cr	65Cr
Total investments	145.29Cr	182.31Cr	199.97Cr	190.44Cr	202.15Cr
Gross Loans	1.63TCr	1.83TCr	1.95TCr	1.94TCr	2.01TCr
Allowance For Loan Losses	-14Cr	-15Cr	-15Cr	-16Cr	-20Cr
Other Adjustments to Gross Loans	-43.21L	-66.41L	-1.07Cr	-1.05Cr	-1.49Cr
Net Loans	1.62TCr	1.81TCr	1.94TCr	1.92TCr	1.99TCr
Gross Property Plant And Equipment	23Cr	24Cr	24Cr	24Cr	25Cr
Accumulated Depreciation	-11Cr	-11Cr	-12Cr	-13Cr	-13Cr
Net Property Plant And Equipment	13Cr	12Cr	12Cr	12Cr	12Cr
Goodwill	37Cr	38Cr	38Cr	38Cr	38Cr
Other Intangibles, Total	46.27L	57.57L	44.61L	33.35L	26.83L
Investment in FHLB	1.72Cr	1.72Cr	1.77Cr	1.72Cr	1.72Cr
Loans Held For Sale	-	-	-	-	-
Accrued Interest Receivable	5.7Cr	8.24Cr	9.77Cr	9.78Cr	9.7Cr
Other Receivables	4.11Cr	1.67Cr	3.37Cr	3.7Cr	1.33Cr
Restricted Cash	65.9L	3.36Cr	1.5Cr	89L	43L
Other Current Assets, Total	81.12L	23.72L	32.64L	1.41Cr	43.85L
Deferred Tax Assets Long-Term (Collected)	5.83Cr	10Cr	9.74Cr	12Cr	9.29Cr
Other Real Estate Owned And Foreclosed	43.68L	40.67L	1.94Cr	2.31Cr	3.03Cr
Other Long-Term Assets, Total	9.19Cr	13Cr	9.76Cr	10Cr	9.2Cr
Total Assets	2.09TCr	2.19TCr	2.31TCr	2.31TCr	2.42TCr
Liabilities
Interest Bearing Deposits	879.91Cr	848.59Cr	1.03TCr	1.07TCr	1.16TCr
Institutional Deposits	476.77Cr	585.04Cr	547.84Cr	574.92Cr	574.35Cr
Non-Interest Bearing Deposits	449.21Cr	416.9Cr	352.9Cr	328.43Cr	350.56Cr
Total Deposits	1.81TCr	1.85TCr	1.93TCr	1.97TCr	2.09TCr
Short-Term Borrowings	3L	15Cr	3.88Cr	3.35Cr	2.41Cr
Current Portion of Long-Term Debt	-	32Cr	54Cr	6Cr	-
Current Portion of Leases	94.38L	1.08Cr	1.08Cr	1.02Cr	1.09Cr
Long-Term Debt	2.31Cr	2.26Cr	1.58Cr	1.77Cr	1.76Cr
Federal Home Loan Bank Debt - Long-Term	2Cr	1.5Cr	-	-	-
Long-Term Leases	2.13Cr	2.17Cr	2.4Cr	2.06Cr	2.52Cr
Trust Preferred Securities (BS)	12Cr	12Cr	12Cr	12Cr	12Cr
Other Current Liabilities - (Bank / Utility Template)	81.12L	23.72L	32.64L	1.41Cr	43.85L
Other Non Current Liabilities	18Cr	31Cr	27Cr	25Cr	21Cr
Total Liabilities	1.84TCr	1.95TCr	2.03TCr	2.02TCr	2.13TCr
Common Stock, Total	9L	9L	9L	9L	9L
Additional Paid In Capital	97Cr	98Cr	99Cr	99Cr	100.14Cr
Retained Earnings	198.52Cr	224.49Cr	250.03Cr	268.84Cr	290.97Cr
Treasury Stock	-51Cr	-65Cr	-67Cr	-75Cr	-93Cr
Comprehensive Income and Other	-30.65L	-10Cr	-8.54Cr	-8.56Cr	-5.44Cr
Total Common Equity	244.63Cr	247.4Cr	273.66Cr	284.57Cr	292.54Cr
Total Equity	244.63Cr	247.4Cr	273.66Cr	284.57Cr	292.54Cr
Total Liabilities And Equity	2.09TCr	2.19TCr	2.31TCr	2.31TCr	2.42TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	7.53Cr	7.26Cr	7.27Cr	7.03Cr	6.7Cr
ECS Total Common Shares Outstanding	7.58Cr	7.27Cr	7.27Cr	7.09Cr	6.72Cr
Book Value / Share	32.29	34.01	37.66	40.16	43.53
Tangible Book Value	206.94Cr	209.26Cr	235.64Cr	246.67Cr	254.7Cr
Tangible Book Value Per Share	27.32	28.77	32.43	34.81	37.9
Average Assets	1.96TCr	2.14TCr	2.27TCr	2.34TCr	2.36TCr
Average Loans	1.58TCr	1.76TCr	1.88TCr	1.94TCr	1.97TCr
Total Debt	19Cr	66Cr	75Cr	26Cr	20Cr
Deposits at Interest - Cash	231.56Cr	97Cr	65Cr	88Cr	127.81Cr
Net Debt	-225.38Cr	-47Cr	-10Cr	-80Cr	-124.74Cr
Equity Method Investments, Total	30Cr	33Cr	32Cr	29Cr	29Cr
Full Time Employees	1.16T	1.18T	1.25T	1.27T	1.27T
Number Of Offices	60	65	65	64	63

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	30Cr	36Cr	35Cr	29Cr	32Cr
Depreciation, Depletion & Amortization	1.54Cr	1.79Cr	1.68Cr	1.57Cr	1.51Cr
Amortization of Goodwill and Intangible Assets - (CF)	7L	18.92L	1L	10L	9L
Total Depreciation, Depletion & Amortization	1.61Cr	1.98Cr	1.69Cr	1.67Cr	1.6Cr
Gain (Loss) on Sale of Loans & Receivables - (CF)	-4L	-1T	-	7L	-4L
(Gain) Loss On Sale of Asset - (CF)	15T	61T	6T	11.64L	-20.83L
(Gain) Loss on Sale of Investments - (CF)	5.45Cr	4.41Cr	6Cr	5.37Cr	91.79L
Total Asset Writedown	-	-	12L	1L	-
Provision for Credit Losses	-1.6Cr	1.45Cr	2.6Cr	3.75Cr	7.26Cr
Stock-Based Compensation (CF)	68.1L	78.32L	78.36L	68.04L	76.1L
Net (Increase) Decrease in Loans Originated / Sold - Operating	4L	33T	-	-	-
Changes in Accrued Interest Receivable	-3.42Cr	-8.04Cr	-5.44Cr	-1Cr	2.67Cr
Change in Other Net Operating Assets (Collected)	-4L	10Cr	-2.22Cr	-4.27Cr	-8.84Cr
Other Operating Activities	91.68L	-20.88L	-47.82L	-2.08Cr	1.21Cr
Cash from Operations	33Cr	47Cr	38Cr	33Cr	37Cr
Capital Expenditure	-37.28L	-33.9L	-34.01L	-36.36L	-49.11L
Sale of Property, Plant, and Equipment	-	-	-	-	-
Cash Acquisitions	-	-7.39Cr	-	-	-
Sale (Purchase) of Real Estate Properties (Collected)	8L	3L	-	-	1.4Cr
Investment in Marketable and Equity Securities, Total	-14Cr	-50Cr	-15Cr	5.02Cr	-3.99Cr
Net (Increase) Decrease in Loans Originated / Sold - Investing	-72Cr	-127.23Cr	-132.7Cr	14Cr	-83Cr
Other Investing Activities, Total	27.52L	40.13L	-5L	5L	-
Cash from Investing	-86Cr	-184.94Cr	-147.71Cr	18Cr	-86Cr
Short Term Debt Issued, Total	-	-	-	-	-
Long-Term Debt Issued, Total	5Cr	46Cr	1.4TCr	696.8Cr	1.13TCr
Total Debt Issued	5Cr	46Cr	1.4TCr	696.8Cr	1.13TCr
Short Term Debt Repaid, Total	-	-	-	-	-
Long-Term Debt Repaid, Total	-18Cr	-	-1.4TCr	-744.8Cr	-1.14TCr
Total Debt Repaid	-18Cr	-	-1.4TCr	-744.8Cr	-1.14TCr
Issuance of Common Stock	35.63L	37.2L	34.91L	29.33L	26.1L
Repurchase of Common Stock	-17Cr	-14Cr	-2.12Cr	-8.84Cr	-18Cr
Common Dividends Paid	-9.93Cr	-10Cr	-9.86Cr	-9.8Cr	-9.38Cr
Common & Preferred Stock Dividends Paid	-9.93Cr	-10Cr	-9.86Cr	-9.8Cr	-9.38Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	194.97Cr	-13Cr	82Cr	36Cr	120.79Cr
Cash from Financing	155.42Cr	9.47Cr	76Cr	-30Cr	87Cr
Net Change in Cash	102.86Cr	-128.73Cr	-33Cr	21Cr	38Cr
Supplemental Items
Cash Interest Paid	7.55Cr	11Cr	48Cr	66Cr	57Cr
Cash Income Tax Paid (Refund)	9.27Cr	9.69Cr	7.03Cr	5.62Cr	5.58Cr
Net Debt Issued / Repaid	-13Cr	46Cr	5.5Cr	-48Cr	-6Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.49	1.68	1.57	1.24	1.33
Return On Equity %	12.26	14.66	13.59	10.25	10.92
Return on Common Equity	12.26	14.66	13.59	10.25	10.92
Shareholders Value Added	80.18L	6.99Cr	4.2Cr	-4.8Cr	-3.02Cr
Margin Analysis
SG&A Margin	31.55	29.28	31.5	38.23	37.5
Net Interest Income / Total Revenues %	89.44	94.55	94.6	97.38	99.62
EBT Excl. Non-Recurring Items Margin %	57.45	61.43	51.56	45.87	52.36
Income From Continuing Operations Margin %	44.63	46.48	45.17	41.31	42.28
Net Income Margin %	44.63	46.48	45.17	41.31	42.28
Net Avail. For Common Margin %	44.63	46.48	45.17	41.31	42.28
Normalized Net Income Margin	35.91	38.39	32.22	28.67	32.72
Asset quality
Nonperforming Loans / Total Loans %	0.41	0.44	0.38	0.89	0.56
Nonperforming Loans / Total Assets %	0.32	0.37	0.32	0.75	0.47
Nonperforming Assets / Total Assets %	0.34	0.38	0.4	0.85	0.59
NPAs / Loans and OREO	0.44	0.46	0.48	1.01	0.71
NPAs / Equity	2.93	3.42	3.41	6.9	4.91
Allowance for Credit Losses / Net Charge-offs %	773.14	5.67T	879.29	545.14	548.46
Allowance for Credit Losses / Nonperforming Loans %	202.36	182.12	209.33	93.39	172.82
Allowance for Credit Losses / Total Loans %	0.83	0.8	0.79	0.83	0.97
Net Charge-offs / Total Average Loans %	0.11	0.01	0.09	0.15	0.18
Provision for Loan Losses / Net Charge-offs %	-90.9	562.59	147.79	126.37	203.33
Earning Assets / IBL	140.96	141.91	133.46	130.73	131.76
Interest Income / Average Assets	3.4	3.98	5.47	5.71	5.54
Interest Expense / Average Assets	0.35	0.55	2.2	2.83	2.4
Net Interest Income / Average Assets	3.05	3.43	3.27	2.88	3.14
Non Interest Income / Average Assets	0.28	0.27	0.3	0.24	0.32
Non Interest Expense / Average Asset	1.45	1.4	1.67	1.6	1.5
Capital And Funding
Total Average Common Equity / Total Average Assets %	12.18	11.49	11.57	12.1	12.21
Total Average Equity / Total Average Assets %	12.18	11.49	11.57	12.1	12.21
Total Equity + Allowance for Loan Losses / Total Loans %	15.8	14.36	14.79	15.52	15.49
Gross Loans / Total Deposits %	90.5	98.64	101.15	98.42	96.42
Net Loans / Total Deposits %	89.72	97.81	100.3	97.55	95.42
Tier 1 Capital Ratio %	12.8	12.21	12.84	13.54	13.27
Total Capital Ratio %	14.41	13.73	14.31	15.08	14.93
Core Tier 1 Capital Ratio	12.8	12.21	12.84	13.54	13.27
Tier 2 Capital Ratio	-	-	-	-	-
Coverage Ratio	206.78	212.75	231.79	95.63	174.36
Leverage Ratio %	10.4	10.08	10.55	10.96	10.91
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	55.9	39.46	13.41	13.88	27.1
EBT + Interest Expense / Interest Expense	6.55	5.02	1.81	1.48	1.69
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	8.27	22.74	1.1	-9.13	10.15
Non Interest Income, 1 Yr. Growth %	27.52	4.05	20.2	-18.49	35.51
Provision For Loan Losses, 1 Yr. Growth %	-127.84	-190.85	78.63	44.35	93.68
Total Revenues, 1 Yr. Growth %	24.36	16.1	1.04	-11.71	7.66
Earnings From Cont. Operations, 1 Yr. Growth %	30.34	20.9	-1.81	-19.24	10.19
Net Income, 1 Yr. Growth %	30.34	20.9	-1.81	-19.24	10.19
Normalized Net Income, 1 Yr. Growth %	50.79	24.13	-15.19	-21.45	22.88
Diluted EPS Before Extra, 1 Yr. Growth %	32.4	27.11	0.62	-18.72	14.94
Dividend Per Share, 1 Yr. Growth %	4.84	4.62	0	0	2.94
Gross Loans, 1 Yr. Growth %	4.46	11.7	7.09	-0.88	3.98
Allowance For Loan Losses, 1 Yr. Growth %	-18.24	7.59	5.51	4.66	21.11
Net Loans, 1 Yr. Growth %	4.7	11.72	7.08	-0.92	3.82
Non Performing Loans, 1 Yr. Growth %	-7.41	19.54	-8.2	134.58	-34.55
Non Performing Assets, 1 Yr. Growth %	-7.64	17.93	10.39	110.42	-26.79
Total Assets, 1 Yr. Growth %	9.68	5.08	5.16	-0.12	5.1
Total Deposits, 1 Yr Growth %	12.1	2.47	4.43	1.87	6.14
Tangible Book Value, 1 Yr. Growth %	1.42	1.12	12.61	4.68	3.26
Average Interest Earning Assets, 1 Yr. Growth %	4.78	9.13	6.18	3.22	1.45
Average Interest Bearing Liabilities, 1 Yr. Growth %	1.42	8.4	12.9	5.37	0.65
Common Equity, 1 Yr. Growth %	1.16	1.14	10.61	3.99	2.8
Total Equity, 1 Yr. Growth %	1.16	1.14	10.61	3.99	2.8
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	1.97	15.28	11.4	-4.15	0.05
Non Interest Income, 2 Yr. CAGR %	10.46	15.19	11.83	-1.02	5.1
Provision For Loan Losses, 2 Yr. CAGR %	51.22	-49.71	27.39	60.58	67.21
Total Revenues, 2 Yr. CAGR %	3.27	20.16	8.31	-5.55	-2.51
Earnings From Cont. Operations, 2 Yr. CAGR %	3.38	25.53	8.96	-10.95	-5.67
Net Income, 2 Yr. CAGR %	3.38	25.53	8.96	-10.95	-5.67
Normalized Net Income, 2 Yr. CAGR %	4.84	36.81	2.6	-18.38	-1.75
Diluted EPS Before Extra, 2 Yr. CAGR %	4.5	29.73	13.09	-9.57	-3.35
Dividend Per Share, 2 Yr. CAGR %	2.39	4.73	2.28	0	1.46
Gross Loans, 2 Yr. CAGR %	4.12	8.02	9.37	3.03	1.52
Allowance For Loan Losses, 2 Yr. CAGR %	5.12	-6.21	6.54	5.09	12.58
Net Loans, 2 Yr. CAGR %	4.1	8.15	9.38	3	1.42
Non Performing Loans, 2 Yr. CAGR %	19.74	5.21	4.76	46.75	23.91
Non Performing Assets, 2 Yr. CAGR %	11.95	4.36	14.1	52.41	24.12
Total Assets, 2 Yr. CAGR %	7.44	7.36	5.12	2.49	2.46
Total Deposits, 2 Yr CAGR %	10.87	7.18	3.45	3.14	3.98
Tangible Book Value, 2 Yr. CAGR %	3.93	1.27	6.71	8.57	3.97
Average Interest Earning Assets, 2 Yr. CAGR %	6.9	6.93	7.64	4.69	2.33
Average Interest Bearing Liabilities, 2 Yr. CAGR %	4.53	4.85	10.63	9.07	2.98
Common Equity, 2 Yr. CAGR %	3.26	1.15	5.77	7.25	3.39
Total Equity, 2 Yr. CAGR %	3.26	1.15	5.77	7.25	3.39
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	1.84	8.47	10.34	4.09	0.4
Non Interest Income, 3 Yr. CAGR %	20.3	8.28	16.84	0.64	9.91
Provision For Loan Losses, 3 Yr. CAGR %	52.65	27.6	-23.27	32.81	70.93
Total Revenues, 3 Yr. CAGR %	3.56	7.38	13.42	1.18	-1.34
Earnings From Cont. Operations, 3 Yr. CAGR %	3.14	8.91	15.66	-1.4	-4.4
Net Income, 3 Yr. CAGR %	3.14	8.91	15.66	-1.4	-4.4
Normalized Net Income, 3 Yr. CAGR %	4.2	10.91	16.65	-6.14	-6.45
Diluted EPS Before Extra, 3 Yr. CAGR %	4.5	11.55	19.19	1.3	-2.04
Dividend Per Share, 3 Yr. CAGR %	5.73	3.13	3.13	1.52	0.97
Gross Loans, 3 Yr. CAGR %	5.3	6.58	7.71	5.84	3.34
Allowance For Loan Losses, 3 Yr. CAGR %	3.62	5.93	-2.46	5.91	10.18
Net Loans, 3 Yr. CAGR %	5.31	6.58	7.79	5.83	3.27
Non Performing Loans, 3 Yr. CAGR %	13.86	19.67	0.53	37.05	12.12
Non Performing Assets, 3 Yr. CAGR %	7.14	13.91	6.33	39.92	19.36
Total Assets, 3 Yr. CAGR %	7.56	6.65	6.62	3.35	3.35
Total Deposits, 3 Yr CAGR %	9.64	7.99	6.26	2.92	4.13
Tangible Book Value, 3 Yr. CAGR %	5.9	2.99	4.91	6.03	6.77
Average Interest Earning Assets, 3 Yr. CAGR %	7.51	7.64	6.68	6.15	3.59
Average Interest Bearing Liabilities, 3 Yr. CAGR %	6.43	5.8	7.47	8.85	6.19
Common Equity, 3 Yr. CAGR %	4.86	2.55	4.21	5.17	5.74
Total Equity, 3 Yr. CAGR %	4.86	2.55	4.21	5.17	5.74
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	7.42	8.16	5.56	3.23	6.1
Non Interest Income, 5 Yr. CAGR %	10.35	13.12	16.84	4.46	11.99
Provision For Loan Losses, 5 Yr. CAGR %	0.45	42.21	42	39.89	4.78
Total Revenues, 5 Yr. CAGR %	7.44	7.97	5.43	2.01	6.76
Earnings From Cont. Operations, 5 Yr. CAGR %	11.24	15.42	5.43	0.49	6.61
Net Income, 5 Yr. CAGR %	11.24	15.42	5.43	0.49	6.61
Normalized Net Income, 5 Yr. CAGR %	9.66	9.94	3.56	-1.89	8.91
Diluted EPS Before Extra, 5 Yr. CAGR %	11.65	17.35	7.85	2.57	9.61
Dividend Per Share, 5 Yr. CAGR %	10.76	8.61	4.33	1.86	2.46
Gross Loans, 5 Yr. CAGR %	7.85	7.24	6.91	5.15	5.19
Allowance For Loan Losses, 5 Yr. CAGR %	2.74	3.51	4.78	5.59	3.3
Net Loans, 5 Yr. CAGR %	7.9	7.27	6.92	5.13	5.2
Non Performing Loans, 5 Yr. CAGR %	3.31	7.21	10.12	29.84	9.3
Non Performing Assets, 5 Yr. CAGR %	-1.49	4.99	9.87	27.98	13.12
Total Assets, 5 Yr. CAGR %	7.54	7.01	6.58	4.96	4.94
Total Deposits, 5 Yr CAGR %	9.12	7.84	7.12	6.03	5.34
Tangible Book Value, 5 Yr. CAGR %	7.32	5.61	6.22	5.18	4.53
Average Interest Earning Assets, 5 Yr. CAGR %	8.45	8.2	7.56	6.45	4.92
Average Interest Bearing Liabilities, 5 Yr. CAGR %	7.46	7.42	8.09	7.1	5.65
Common Equity, 5 Yr. CAGR %	5.99	4.63	5.22	4.4	3.88
Total Equity, 5 Yr. CAGR %	5.99	4.63	5.22	4.4	3.88