Balance Sheet China Merchants Bank Co., Ltd.

Equities

600036

CNE000001B33

Banks

End-of-day quote Shanghai S.E. Other stock markets 13/04/2026			5-day change	1st Jan Change
38.98 ^CNY	-0.59%		-1.07%	-7.41%

03/04	China Aerospace Times Electronics Issues 400 Million Yuan Ultra-Short-Term Commercial Paper	MT
03/04	China Merchants Bank Applies for Listing of $5 Billion Medium-Term Bond Program	MT

6576377a0b48239e624642.1S89sEbGN-Oet8X9BUljC1Rynb30WhkkUpB7iDYZunE.nkgFnSKxZoXb37eLMh4MMhVH6e2FAE5QZ9498BspwBiNQRDAIpAEvPvinA

Published financial data: CHINA MERCHANTS BANK CO., LTD.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	33TCr	35TCr	38TCr	37TCr	35TCr
Interest Income, Total	33TCr	35TCr	38TCr	37TCr	35TCr
Interest On Deposits	12TCr	14TCr	16TCr	16TCr	14TCr
Interest Expense, Total	12TCr	14TCr	16TCr	16TCr	14TCr
Net Interest Income	20TCr	22TCr	21TCr	21TCr	22TCr
Gain (Loss) on Sale of Assets	11Cr	28Cr	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	299.4Cr	552.8Cr	2.06TCr	3.26TCr	2.05TCr
Income (Loss) on Equity Invest. (Income Block)	403Cr	252.5Cr	-	-	-
Total Other Non Interest Income	12TCr	12TCr	10TCr	9.07TCr	9.57TCr
Non Operating Income (Expenses)	-	-	-	-	-
Non Interest Income, Total	13TCr	13TCr	12TCr	12TCr	12TCr
Revenues Before Provison For Loan Losses	33TCr	34TCr	34TCr	33TCr	33TCr
Provision For Loan Losses	6.6TCr	5.68TCr	4.13TCr	4TCr	3.96TCr
Total Revenues	27TCr	29TCr	30TCr	29TCr	29TCr
Selling General & Admin Expenses, Total	11TCr	11TCr	3.15TCr	3.04TCr	3.07TCr
(Income) Loss on Real Estate Property	-	-	-	-	-
(Income) Loss on Equity Invest.	-	-	-247.6Cr	-263.2Cr	-547.3Cr
Total Other Non Interest Expense	754.5Cr	950.1Cr	8.96TCr	8.81TCr	8.8TCr
Non Operating (Income) Expenses	-15Cr	4.3Cr	-	-	-
Non Interest Expense, Total	12TCr	12TCr	12TCr	12TCr	11TCr
EBT, Excl. Unusual Items	15TCr	17TCr	18TCr	18TCr	18TCr
Asset Writedown	-	-	-	-	-
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	15TCr	17TCr	18TCr	18TCr	18TCr
Income Tax Expense	2.73TCr	2.58TCr	2.86TCr	2.91TCr	2.79TCr
Earnings From Continuing Operations	12TCr	14TCr	15TCr	15TCr	15TCr
Net Income to Company	12TCr	14TCr	15TCr	15TCr	15TCr
Minority Interest	-91Cr	-128.2Cr	-140.4Cr	-116.8Cr	-94Cr
Net Income - (IS)	12TCr	14TCr	15TCr	15TCr	15TCr
Preferred Dividend and Other Adjustments	361.3Cr	523.7Cr	455.8Cr	558.1Cr	630.7Cr
Net Income to Common Incl Extra Items	12TCr	13TCr	14TCr	14TCr	14TCr
Net Income to Common Excl. Extra Items	12TCr	13TCr	14TCr	14TCr	14TCr
Per Share Items
Net EPS - Basic	4.61	5.26	5.63	5.66	5.7
Basic EPS - Continuing Operations	4.61	5.26	5.63	5.66	5.7
Basic Weighted Average Shares Outstanding	2.52TCr	2.52TCr	2.52TCr	2.52TCr	2.52TCr
Net EPS - Diluted	4.61	5.26	5.63	5.66	5.7
Diluted EPS - Continuing Operations	4.61	5.26	5.63	5.66	5.7
Diluted Weighted Average Shares Outstanding	2.52TCr	2.52TCr	2.52TCr	2.52TCr	2.52TCr
Normalized Basic EPS	3.64	4.04	4.32	4.38	4.4
Normalized Diluted EPS	3.64	4.04	4.32	4.38	4.4
Dividend Per Share	1.52	1.74	1.97	2	2.02
Payout Ratio	27.92	31.81	33.01	37.28	37.79
American Depositary Receipts Ratio (ADR)	5	5	5	5	5
Supplemental Items
Effective Tax Rate - (Ratio)	18.45	15.64	16.2	16.28	15.57
Total Current Taxes	3.81TCr	3.43TCr	2.87TCr	2.89TCr	2.96TCr
Total Deferred Taxes	-1.08TCr	-845.7Cr	-8.3Cr	16Cr	-177.3Cr
Normalized Net Income	9.17TCr	10TCr	11TCr	11TCr	11TCr
Non-Cash Pension Expense	0	-10L	-10L	-10L	-30L
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	1.73Cr	-4.11Cr	-1.81Cr	-	-
Total Stock-Based Compensation	1.73Cr	-4.11Cr	-1.81Cr	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	22TCr	24TCr	33TCr	32TCr	34TCr
Investment Securities, Total	2,57400Cr	2,63400Cr	3,31000Cr	4,07700Cr	4,48100Cr
Trading Asset Securities, Total	16TCr	44TCr	27TCr	28TCr	37TCr
Total investments	2,73200Cr	3,07600Cr	3,58500Cr	4,35600Cr	4,84800Cr
Gross Loans	5,27800Cr	5,71900Cr	6,50900Cr	6,88800Cr	7,25800Cr
Allowance For Loan Losses	-25TCr	-26TCr	-27TCr	-27TCr	-26TCr
Net Loans	5,03300Cr	5,46300Cr	6,24200Cr	6,62300Cr	6,99500Cr
Gross Property Plant And Equipment	14TCr	17TCr	21TCr	22TCr	23TCr
Accumulated Depreciation	-5.06TCr	-5.94TCr	-7.46TCr	-7.92TCr	-8.38TCr
Net Property Plant And Equipment	9.27TCr	11TCr	13TCr	15TCr	15TCr
Goodwill	995.4Cr	999.9Cr	995.4Cr	995.4Cr	995.4Cr
Other Intangibles, Total	880.2Cr	796.8Cr	270.9Cr	219.6Cr	192.2Cr
Investment in Real Estate	137.2Cr	126.8Cr	116Cr	111.7Cr	100Cr
Accrued Interest Receivable	2.8TCr	3.26TCr	4.53TCr	4.52TCr	4.8TCr
Other Receivables	32Cr	52Cr	-	-	-
Restricted Cash	48TCr	53TCr	54TCr	51TCr	50TCr
Other Current Assets, Total	44TCr	52TCr	308.7Cr	1.05TCr	3.98TCr
Deferred Tax Assets Long-Term (Collected)	8.16TCr	9.08TCr	9.06TCr	8.37TCr	8.99TCr
Other Real Estate Owned And Foreclosed	51Cr	46Cr	42Cr	38Cr	36Cr
Deferred Charges Long-Term	186.7Cr	162.4Cr	-	-	-
Other Long-Term Assets, Total	12TCr	4.97TCr	4.82TCr	5.02TCr	4.41TCr
Total Assets	9,24900Cr	10,13900Cr	11,02800Cr	12,15200Cr	13,07100Cr
Liabilities
Accrued Expenses, Total	2.59TCr	3.19TCr	3.45TCr	4.03TCr	4.14TCr
Interest Bearing Deposits	7,09800Cr	8,18000Cr	8,66300Cr	9,79600Cr	10,74700Cr
Non-Interest Bearing Deposits	-	-	-	-	-
Total Deposits	7,09800Cr	8,18000Cr	8,66300Cr	9,79600Cr	10,74700Cr
Short-Term Borrowings	18TCr	13TCr	15TCr	12TCr	11TCr
Current Portion of Long-Term Debt	31TCr	11TCr	12TCr	16TCr	7.69TCr
Current Portion of Leases	403.1Cr	418.5Cr	383.6Cr	391Cr	370.5Cr
Long-Term Debt	46TCr	44TCr	69TCr	49TCr	43TCr
Long-Term Leases	978.1Cr	882.8Cr	883.9Cr	886.8Cr	754.8Cr
Current Income Taxes Payable	1.65TCr	1.34TCr	730.1Cr	568Cr	905.1Cr
Accrued Interest Payable	3.98TCr	5.59TCr	8.6TCr	9.94TCr	8.96TCr
Other Current Liabilities - (Bank / Utility Template)	6.87TCr	5.08TCr	3.78TCr	4.52TCr	12TCr
Unearned Revenue Non Current	753.6Cr	667.9Cr	548.6Cr	419.3Cr	354.8Cr
Pension & Other Post Retirement Benefits	162.9Cr	76Cr	36Cr	15Cr	19Cr
Deferred Tax Liability Non-Current	135.3Cr	151Cr	160.7Cr	159.2Cr	111.5Cr
Other Non Current Liabilities	15TCr	16TCr	13TCr	14TCr	14TCr
Total Liabilities	8,38300Cr	9,18500Cr	9,94300Cr	10,91900Cr	11,79000Cr
Preferred Stock Convertible	3.41TCr	2.75TCr	2.75TCr	2.75TCr	2.75TCr
Total Preferred Equity	3.41TCr	2.75TCr	2.75TCr	2.75TCr	2.75TCr
Common Stock, Total	2.52TCr	2.52TCr	2.52TCr	2.52TCr	2.52TCr
Additional Paid In Capital	6.75TCr	6.54TCr	-	-	-
Retained Earnings	63TCr	72TCr	82TCr	91TCr	98TCr
Comprehensive Income and Other	11TCr	11TCr	21TCr	26TCr	24TCr
Total Common Equity	82TCr	92TCr	1,04900Cr	1,19900Cr	1,24500Cr
Minority Interest	693.6Cr	873.5Cr	935.9Cr	746.1Cr	802.4Cr
Total Equity	87TCr	95TCr	1,08600Cr	1,23300Cr	1,28100Cr
Total Liabilities And Equity	9,24900Cr	10,13900Cr	11,02800Cr	12,15200Cr	13,07100Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	2.52TCr	2.52TCr	2.52TCr	2.52TCr	2.52TCr
ECS Total Common Shares Outstanding	2.52TCr	2.52TCr	-	2.52TCr	2.52TCr
Book Value / Share	29.01	32.71	36.71	41.46	43.43
Tangible Book Value	81TCr	90TCr	1,03600Cr	1,18600Cr	1,23400Cr
Tangible Book Value Per Share	28.27	32	36.21	40.98	42.96
Average Loans	5,36400Cr	5,85000Cr	6,30000Cr	6,66600Cr	6,99500Cr
Total Debt	98TCr	69TCr	97TCr	78TCr	63TCr
Deposits at Interest - Cash	72TCr	50TCr	46TCr	71TCr	65TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-6.5Cr	-5Cr	-5Cr	-7.1Cr	-7.4Cr
Net Debt	6.47TCr	-29TCr	-796.8Cr	-46TCr	-77TCr
Equity Method Investments, Total	2.37TCr	2.38TCr	2.66TCr	3.1TCr	3.29TCr
Full Time Employees	1L	1L	-	1L	1L
Number Of Offices	1.91T	1.9T	-	1.94T	1.94T

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	12TCr	14TCr	15TCr	15TCr	15TCr
Depreciation, Depletion & Amortization	1.22TCr	1.34TCr	1.55TCr	1.58TCr	1.6TCr
Amortization of Goodwill and Intangible Assets - (CF)	22Cr	22Cr	4.2Cr	4.4Cr	4.2Cr
Total Depreciation, Depletion & Amortization	1.24TCr	1.36TCr	1.55TCr	1.58TCr	1.6TCr
Amortization of Deferred Charges, Total	208.8Cr	203.8Cr	89Cr	64Cr	40Cr
(Gain) Loss On Sale of Asset - (CF)	-11Cr	-28Cr	-17Cr	-25Cr	-74Cr
(Gain) Loss on Sale of Investments - (CF)	2.93TCr	1.24TCr	-2.33TCr	-2.88TCr	-3.35TCr
Total Asset Writedown	-70Cr	-718.4Cr	-	-	-
Provision for Credit Losses	3.68TCr	4.48TCr	4.64TCr	4.34TCr	4.25TCr
(Income) Loss On Equity Investments - (CF)	-	-	-247.6Cr	-263.2Cr	-547.3Cr
Change In Deferred Taxes	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	5.46TCr	45TCr	-37TCr	-59TCr	-37TCr
Other Operating Activities	-7.23TCr	-8.01TCr	-7.73TCr	-7.71TCr	-8.32TCr
Cash from Operations	18TCr	57TCr	-26TCr	-49TCr	-29TCr
Capital Expenditure	-2.42TCr	-3.49TCr	-3.02TCr	-3.49TCr	-2.81TCr
Sale of Property, Plant, and Equipment	239.9Cr	675Cr	495Cr	1.08TCr	1.31TCr
Cash Acquisitions	-534.2Cr	-48Cr	-3.9Cr	-57Cr	-95Cr
Divestitures	86Cr	46Cr	15Cr	42Cr	64Cr
Investment in Marketable and Equity Securities, Total	-6.46TCr	-56TCr	-33TCr	-38TCr	-44TCr
Other Investing Activities, Total	7.12TCr	7.91TCr	9.8TCr	11TCr	13TCr
Cash from Investing	-1.97TCr	-51TCr	-26TCr	-29TCr	-32TCr
Long-Term Debt Issued, Total	6.39TCr	2.15TCr	2.52TCr	2.5TCr	2.72TCr
Total Debt Issued	6.39TCr	2.15TCr	2.52TCr	2.5TCr	2.72TCr
Long-Term Debt Repaid, Total	-6.06TCr	-8.37TCr	-5.62TCr	-6.48TCr	-4.03TCr
Total Debt Repaid	-6.06TCr	-8.37TCr	-5.62TCr	-6.48TCr	-4.03TCr
Issuance of Common Stock	4.3TCr	-	3TCr	3TCr	4.7TCr
Repurchase of Common Stock	-	-	-	-	-5TCr
Issuance of Preferred Stock	-	-	-	-	-
Repurchase of Preferred Stock	-	-719.6Cr	-	-	-
Common Dividends Paid	-3.18TCr	-4.22TCr	-4.74TCr	-5.43TCr	-5.58TCr
Preferred Dividends Paid	-163.8Cr	-167.5Cr	-100Cr	-100Cr	-100Cr
Common & Preferred Stock Dividends Paid	-3.35TCr	-4.39TCr	-4.84TCr	-5.53TCr	-5.67TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	8.7TCr	-17TCr	59TCr	1,01900Cr	66TCr
Other Financing Activities, Total	-1.04TCr	-1.52TCr	214.1Cr	-1.04TCr	-2.24TCr
Cash from Financing	8.94TCr	-30TCr	55TCr	94TCr	57TCr
Foreign Exchange Rate Adjustments	-274.6Cr	625.9Cr	216.4Cr	119.5Cr	-330.4Cr
Net Change in Cash	25TCr	-23TCr	3.18TCr	16TCr	-4.67TCr
Supplemental Items
Cash Interest Paid	13TCr	13TCr	13TCr	15TCr	14TCr
Cash Income Tax Paid (Refund)	5.69TCr	6.1TCr	3.48TCr	3.06TCr	2.63TCr
Net Debt Issued / Repaid	326.6Cr	-6.22TCr	-3.1TCr	-3.98TCr	-1.31TCr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.37	1.44	1.4	1.29	1.2
Return On Equity %	15.14	15.31	14.51	12.9	12.02
Return on Common Equity	15.36	15.24	14.44	12.71	11.77
Shareholders Value Added	2.93TCr	3.37TCr	2.86TCr	1.36TCr	358.58Cr
Margin Analysis
SG&A Margin	41.36	39.36	10.68	10.31	10.52
Net Interest Income / Total Revenues %	76.87	75.77	72.69	71.74	73.78
EBT Excl. Non-Recurring Items Margin %	55.85	57.32	59.8	60.66	61.25
Income From Continuing Operations Margin %	45.55	48.36	50.12	50.78	51.72
Net Income Margin %	45.2	47.92	49.64	50.39	51.39
Net Avail. For Common Margin %	43.84	46.1	48.1	48.49	49.24
Normalized Net Income Margin	34.56	35.38	36.9	37.52	37.96
Asset quality
Nonperforming Loans / Total Loans %	0.96	1.01	0.95	0.95	0.94
Nonperforming Loans / Total Assets %	0.55	0.57	0.56	0.54	0.52
Nonperforming Assets / Total Assets %	0.56	0.58	0.56	0.54	0.52
NPAs / Loans and OREO	0.97	1.02	0.95	0.96	0.94
NPAs / Equity	5.93	6.13	5.71	5.35	5.35
Allowance for Credit Losses / Net Charge-offs %	973.72	849.27	682.31	618.85	581.59
Allowance for Credit Losses / Nonperforming Loans %	482.67	440.93	433.27	404.46	385.56
Allowance for Credit Losses / Total Loans %	4.65	4.47	4.1	3.85	3.62
Net Charge-offs / Total Average Loans %	0.47	0.51	0.62	0.64	0.65
Provision for Loan Losses / Net Charge-offs %	261.63	188.45	105.56	93.23	87.55
Earning Assets / IBL	106.04	107.98	107.13	107.56	107.25
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.6	8.99	9.29	9.7	9.69
Total Average Equity / Total Average Assets %	9.06	9.39	9.64	10	9.97
Total Equity + Allowance for Loan Losses / Total Loans %	20.92	21.01	20.64	21.65	21.16
Gross Loans / Total Deposits %	74.36	69.91	75.13	70.32	67.54
Net Loans / Total Deposits %	70.9	66.78	72.05	67.61	65.09
Tier 1 Capital Ratio %	14.94	15.75	16.01	17.48	16.51
Total Capital Ratio %	17.48	17.77	17.88	19.05	18.24
Core Tier 1 Capital Ratio	12.66	13.68	13.73	14.86	14.16
Tier 2 Capital Ratio	2.54	2.02	1.87	1.57	1.72
Coverage Ratio	482.67	440.93	433.27	404.46	385.56
Interbank Ratio	73.92	66.79	62.95	88.34	76.84
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	2.2	2.22	2.1	2.1	2.32
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	10.21	7.02	-1.63	-1.58	2.04
Non Interest Income, 1 Yr. Growth %	20.75	-0.62	-3.65	1.05	-5.69
Provision For Loan Losses, 1 Yr. Growth %	1.68	-13.96	-27.26	-3.15	-0.98
Total Revenues, 1 Yr. Growth %	17.59	8.57	2.53	-0.27	-0.78
Earnings From Cont. Operations, 1 Yr. Growth %	23.35	15.28	6.25	1.05	1.05
Net Income, 1 Yr. Growth %	23.2	15.08	6.22	1.22	1.21
Normalized Net Income, 1 Yr. Growth %	20.8	11.14	6.94	1.38	0.39
Diluted EPS Before Extra, 1 Yr. Growth %	21.64	14.1	7.03	0.53	0.71
Dividend Per Share, 1 Yr. Growth %	21.47	14.19	13.46	1.42	0.8
Gross Loans, 1 Yr. Growth %	9.43	8.35	13.82	5.83	5.37
Allowance For Loan Losses, 1 Yr. Growth %	4.68	4.18	4.32	-0.54	-0.9
Net Loans, 1 Yr. Growth %	9.67	8.55	14.26	6.1	5.62
Non Performing Loans, 1 Yr. Growth %	-5.13	14.04	6.16	6.55	3.96
Non Performing Assets, 1 Yr. Growth %	-5.26	13.79	6.05	6.45	3.89
Total Assets, 1 Yr. Growth %	10.62	9.62	8.77	10.19	7.56
Total Deposits, 1 Yr Growth %	11.82	15.24	5.9	13.08	9.71
Tangible Book Value, 1 Yr. Growth %	20.28	11.68	15.13	14.49	3.97
Average Interest Earning Assets, 1 Yr. Growth %	10.44	10.49	9.98	6.99	8.16
Average Interest Bearing Liabilities, 1 Yr. Growth %	9.65	8.51	10.84	6.56	8.47
Common Equity, 1 Yr. Growth %	19.57	11.32	14.26	14.27	3.91
Total Equity, 1 Yr. Growth %	18.53	10.23	13.78	13.61	3.84
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	8.54	8.6	2.6	-1.61	0.22
Non Interest Income, 2 Yr. CAGR %	14.62	9.55	-2.14	-1.33	-3.37
Provision For Loan Losses, 2 Yr. CAGR %	3.93	-6.47	-20.89	-16.07	-2.07
Total Revenues, 2 Yr. CAGR %	12.68	12.99	5.51	1.12	-0.95
Earnings From Cont. Operations, 2 Yr. CAGR %	13.73	19.25	10.67	3.62	1.05
Net Income, 2 Yr. CAGR %	13.64	19.07	10.57	3.69	1.21
Normalized Net Income, 2 Yr. CAGR %	12.34	15.87	9.02	4.12	0.89
Diluted EPS Before Extra, 2 Yr. CAGR %	12.91	17.81	10.51	3.73	0.62
Dividend Per Share, 2 Yr. CAGR %	12.62	17.77	13.83	7.27	1.11
Gross Loans, 2 Yr. CAGR %	10.1	8.89	11.05	9.75	8.03
Allowance For Loan Losses, 2 Yr. CAGR %	4.95	4.43	4.25	1.86	-0.72
Net Loans, 2 Yr. CAGR %	10.37	9.11	11.37	10.11	8.4
Non Performing Loans, 2 Yr. CAGR %	-1.36	4.01	10.03	6.35	5.26
Non Performing Assets, 2 Yr. CAGR %	-1.58	3.83	9.85	6.25	5.18
Total Assets, 2 Yr. CAGR %	11.67	10.12	9.2	9.48	8.87
Total Deposits, 2 Yr CAGR %	14.67	13.52	10.47	9.43	11.38
Tangible Book Value, 2 Yr. CAGR %	20.23	15.9	13.39	14.81	9.34
Average Interest Earning Assets, 2 Yr. CAGR %	10.85	10.46	10.23	8.47	-
Average Interest Bearing Liabilities, 2 Yr. CAGR %	10.93	9.08	9.67	8.68	-
Common Equity, 2 Yr. CAGR %	19.53	15.37	12.78	14.26	8.97
Total Equity, 2 Yr. CAGR %	18.38	14.3	11.99	13.69	8.62
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	8.33	8.03	5.08	1.19	-0.41
Non Interest Income, 3 Yr. CAGR %	13.03	9.29	4.96	-1.09	-2.8
Provision For Loan Losses, 3 Yr. CAGR %	2.74	-2.41	-13.99	-15.37	-11.31
Total Revenues, 3 Yr. CAGR %	12.22	11.29	9.39	3.54	0.48
Earnings From Cont. Operations, 3 Yr. CAGR %	14.35	14.24	14.75	7.37	2.75
Net Income, 3 Yr. CAGR %	14.18	14.12	14.63	7.36	2.86
Normalized Net Income, 3 Yr. CAGR %	11.41	11.94	12.81	6.41	2.86
Diluted EPS Before Extra, 3 Yr. CAGR %	13.79	13.31	14.1	7.08	2.71
Dividend Per Share, 3 Yr. CAGR %	17.43	13.14	16.32	9.53	5.07
Gross Loans, 3 Yr. CAGR %	10.56	9.51	10.51	9.28	8.34
Allowance For Loan Losses, 3 Yr. CAGR %	8.56	4.69	4.39	2.63	1.04
Net Loans, 3 Yr. CAGR %	10.67	9.76	10.8	9.59	8.66
Non Performing Loans, 3 Yr. CAGR %	-1.74	3.53	4.72	8.86	5.55
Non Performing Assets, 3 Yr. CAGR %	-1.77	3.29	4.56	8.7	5.46
Total Assets, 3 Yr. CAGR %	11.09	10.98	9.67	9.53	8.83
Total Deposits, 3 Yr CAGR %	13.38	14.86	10.92	11.33	9.52
Tangible Book Value, 3 Yr. CAGR %	18.29	17.31	15.64	13.76	11.08
Average Interest Earning Assets, 3 Yr. CAGR %	-	10.73	10.3	9.14	-
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	10.12	9.66	8.62	-
Common Equity, 3 Yr. CAGR %	17.68	16.73	15	13.27	10.7
Total Equity, 3 Yr. CAGR %	16.78	15.6	14.13	12.53	10.31
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	8.66	8.54	6	4.07	3.1
Non Interest Income, 5 Yr. CAGR %	11.13	10.72	6.7	4.92	1.96
Provision For Loan Losses, 5 Yr. CAGR %	-0.06	-1.08	-7.46	-8.12	-9.41
Total Revenues, 5 Yr. CAGR %	13.07	12.34	9.49	7.11	5.31
Earnings From Cont. Operations, 5 Yr. CAGR %	14.14	14.55	12.86	9.87	9.06
Net Income, 5 Yr. CAGR %	14.07	14.49	12.72	9.83	9.06
Normalized Net Income, 5 Yr. CAGR %	13.33	12.65	10.45	8.75	7.88
Diluted EPS Before Extra, 5 Yr. CAGR %	13.38	13.6	12.47	9.37	8.5
Dividend Per Share, 5 Yr. CAGR %	15.51	15.65	15.97	10.76	9.98
Gross Loans, 5 Yr. CAGR %	11.18	10.06	10.76	9.61	8.52
Allowance For Loan Losses, 5 Yr. CAGR %	17.41	11.2	6.81	3.55	2.32
Net Loans, 5 Yr. CAGR %	10.92	10	10.95	9.9	8.8
Non Performing Loans, 5 Yr. CAGR %	-3.61	0.21	2.81	4.65	4.93
Non Performing Assets, 5 Yr. CAGR %	-3.69	0.07	2.72	4.47	4.8
Total Assets, 5 Yr. CAGR %	9.25	9.99	10.33	10.38	9.35
Total Deposits, 5 Yr CAGR %	10.23	12.68	12.21	12.66	11.1
Tangible Book Value, 5 Yr. CAGR %	15.71	15.98	16.3	16.3	12.98
Average Interest Earning Assets, 5 Yr. CAGR %	8.82	8.76	-	9.82	9.2
Average Interest Bearing Liabilities, 5 Yr. CAGR %	9.29	8.9	-	9.54	8.8
Common Equity, 5 Yr. CAGR %	15.43	15.53	15.69	15.73	12.55
Total Equity, 5 Yr. CAGR %	16.5	14.57	14.84	14.83	11.89