Cash flow China Merchants Bank Co., Ltd.

Equities

600036

CNE000001B33

Banks

End-of-day quote Shanghai S.E. Other stock markets 12/02/2026			5-day change	1st Jan Change
38.99 ^CNY	-1.04%		-1.81%	-7.39%

11/02	CATL Issues 5 Billion Yuan in Green Tech Bonds	MT
03/02	Chinese metal exchanges step up interventions as prices swing	RE

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

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	31TCr	33TCr	35TCr	38TCr	37TCr
Interest Income, Total	31TCr	33TCr	35TCr	38TCr	37TCr
Interest On Deposits	12TCr	12TCr	14TCr	16TCr	16TCr
Interest Expense, Total	12TCr	12TCr	14TCr	16TCr	16TCr
Net Interest Income	19TCr	20TCr	22TCr	21TCr	21TCr
Gain (Loss) on Sale of Assets	4.4Cr	11Cr	28Cr	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	287.5Cr	299.4Cr	552.8Cr	2.06TCr	3.26TCr
Income (Loss) on Equity Invest. (Income Block)	288.1Cr	403Cr	252.5Cr	-	-
Total Other Non Interest Income	9.97TCr	12TCr	12TCr	10TCr	9.07TCr
Non Operating Income (Expenses)	28Cr	-	-	-	-
Non Interest Income, Total	11TCr	13TCr	13TCr	12TCr	12TCr
Revenues Before Provison For Loan Losses	29TCr	33TCr	34TCr	34TCr	33TCr
Provision For Loan Losses	6.49TCr	6.6TCr	5.68TCr	4.13TCr	4TCr
Total Revenues	23TCr	27TCr	29TCr	30TCr	29TCr
Selling General & Admin Expenses, Total	9.67TCr	11TCr	11TCr	3.15TCr	3.04TCr
(Income) Loss on Real Estate Property	-	-	-	-	-
(Income) Loss on Equity Invest.	-	-	-	-247.6Cr	-263.2Cr
Total Other Non Interest Expense	622.3Cr	754.5Cr	950.1Cr	8.96TCr	8.81TCr
Non Operating (Income) Expenses	48Cr	-15Cr	4.3Cr	-	-
Non Interest Expense, Total	10TCr	12TCr	12TCr	12TCr	12TCr
EBT, Excl. Unusual Items	12TCr	15TCr	17TCr	18TCr	18TCr
Asset Writedown	-	-	-	-	-
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	12TCr	15TCr	17TCr	18TCr	18TCr
Income Tax Expense	2.45TCr	2.73TCr	2.58TCr	2.86TCr	2.91TCr
Earnings From Continuing Operations	9.8TCr	12TCr	14TCr	15TCr	15TCr
Net Income to Company	9.8TCr	12TCr	14TCr	15TCr	15TCr
Minority Interest	-62Cr	-91Cr	-128.2Cr	-140.4Cr	-116.8Cr
Net Income - (IS)	9.73TCr	12TCr	14TCr	15TCr	15TCr
Preferred Dividend and Other Adjustments	165.1Cr	361.3Cr	523.7Cr	455.8Cr	558.1Cr
Net Income to Common Incl Extra Items	9.57TCr	12TCr	13TCr	14TCr	14TCr
Net Income to Common Excl. Extra Items	9.57TCr	12TCr	13TCr	14TCr	14TCr
Per Share Items
Net EPS - Basic	3.79	4.61	5.26	5.63	5.66
Basic EPS - Continuing Operations	3.79	4.61	5.26	5.63	5.66
Basic Weighted Average Shares Outstanding	2.52TCr	2.52TCr	2.52TCr	2.52TCr	2.52TCr
Net EPS - Diluted	3.79	4.61	5.26	5.63	5.66
Diluted EPS - Continuing Operations	3.79	4.61	5.26	5.63	5.66
Diluted Weighted Average Shares Outstanding	2.52TCr	2.52TCr	2.52TCr	2.52TCr	2.52TCr
Normalized Basic EPS	3.01	3.64	4.04	4.32	4.38
Normalized Diluted EPS	3.01	3.64	4.04	4.32	4.38
Dividend Per Share	1.25	1.52	1.74	1.97	2
Payout Ratio	32.79	27.92	31.81	33.01	37.28
American Depositary Receipts Ratio (ADR)	5	5	5	5	5
Supplemental Items
Effective Tax Rate - (Ratio)	19.99	18.45	15.64	16.2	16.28
Total Current Taxes	3.16TCr	3.81TCr	3.43TCr	2.87TCr	2.89TCr
Total Deferred Taxes	-716.5Cr	-1.08TCr	-845.7Cr	-8.3Cr	16Cr
Normalized Net Income	7.59TCr	9.17TCr	10TCr	11TCr	11TCr
Non-Cash Pension Expense	0	0	-10L	-10L	-10L
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	3.03Cr	1.73Cr	-4.11Cr	-1.81Cr	-
Total Stock-Based Compensation	3.03Cr	1.73Cr	-4.11Cr	-1.81Cr	-

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	23TCr	22TCr	24TCr	33TCr	32TCr
Investment Securities, Total	2,23800Cr	2,57400Cr	2,63400Cr	3,12900Cr	3,78000Cr
Trading Asset Securities, Total	18TCr	16TCr	44TCr	27TCr	28TCr
Total investments	2,42100Cr	2,73200Cr	3,07600Cr	3,40300Cr	4,05900Cr
Gross Loans	4,82300Cr	5,27800Cr	5,71900Cr	6,69100Cr	7,18600Cr
Allowance For Loan Losses	-23TCr	-25TCr	-26TCr	-27TCr	-27TCr
Net Loans	4,58900Cr	5,03300Cr	5,46300Cr	6,42400Cr	6,92000Cr
Gross Property Plant And Equipment	13TCr	14TCr	17TCr	21TCr	22TCr
Accumulated Depreciation	-4.33TCr	-5.06TCr	-5.94TCr	-7.46TCr	-7.92TCr
Net Property Plant And Equipment	8.23TCr	9.27TCr	11TCr	13TCr	15TCr
Goodwill	995.4Cr	995.4Cr	999.9Cr	995.4Cr	995.4Cr
Other Intangibles, Total	971.1Cr	880.2Cr	796.8Cr	270.9Cr	219.6Cr
Investment in Real Estate	162.3Cr	137.2Cr	126.8Cr	116Cr	111.7Cr
Accrued Interest Receivable	2.45TCr	2.8TCr	3.26TCr	4.51TCr	4.5TCr
Other Receivables	34Cr	32Cr	52Cr	-	-
Restricted Cash	50TCr	48TCr	53TCr	54TCr	51TCr
Other Current Assets, Total	34TCr	44TCr	52TCr	308.7Cr	1.05TCr
Deferred Tax Assets Long-Term (Collected)	7.29TCr	8.16TCr	9.08TCr	9.06TCr	8.37TCr
Other Real Estate Owned And Foreclosed	61Cr	51Cr	46Cr	42Cr	38Cr
Deferred Charges Long-Term	181.3Cr	186.7Cr	162.4Cr	-	-
Other Long-Term Assets, Total	8.02TCr	12TCr	4.97TCr	4.82TCr	5.02TCr
Total Assets	8,36100Cr	9,24900Cr	10,13900Cr	11,02800Cr	12,15200Cr
Liabilities
Accrued Expenses, Total	2.17TCr	2.59TCr	3.19TCr	3.45TCr	4.03TCr
Interest Bearing Deposits	6,34800Cr	7,09800Cr	8,18000Cr	8,66300Cr	9,79600Cr
Non-Interest Bearing Deposits	-	-	-	-	-
Total Deposits	6,34800Cr	7,09800Cr	8,18000Cr	8,66300Cr	9,79600Cr
Short-Term Borrowings	19TCr	18TCr	13TCr	15TCr	12TCr
Current Portion of Long-Term Debt	21TCr	31TCr	11TCr	12TCr	16TCr
Current Portion of Leases	382Cr	403.1Cr	418.5Cr	383.6Cr	391Cr
Long-Term Debt	61TCr	46TCr	44TCr	69TCr	49TCr
Long-Term Leases	1.04TCr	978.1Cr	882.8Cr	883.9Cr	886.8Cr
Current Income Taxes Payable	1.39TCr	1.65TCr	1.34TCr	730.1Cr	568Cr
Accrued Interest Payable	3.94TCr	3.98TCr	5.59TCr	8.6TCr	9.94TCr
Other Current Liabilities - (Bank / Utility Template)	9.41TCr	6.87TCr	5.08TCr	3.78TCr	4.52TCr
Unearned Revenue Non Current	682.9Cr	753.6Cr	667.9Cr	548.6Cr	419.3Cr
Pension & Other Post Retirement Benefits	124Cr	162.9Cr	76Cr	36Cr	15Cr
Deferred Tax Liability Non-Current	107.3Cr	135.3Cr	151Cr	160.7Cr	159.2Cr
Other Non Current Liabilities	7.62TCr	15TCr	16TCr	13TCr	14TCr
Total Liabilities	7,63100Cr	8,38300Cr	9,18500Cr	9,94300Cr	10,91900Cr
Preferred Stock Convertible	3.41TCr	3.41TCr	2.75TCr	2.75TCr	2.75TCr
Total Preferred Equity	3.41TCr	3.41TCr	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	6.75TCr	6.54TCr	-	-
Retained Earnings	54TCr	63TCr	72TCr	82TCr	91TCr
Comprehensive Income and Other	5.74TCr	11TCr	11TCr	21TCr	26TCr
Total Common Equity	69TCr	82TCr	92TCr	1,04900Cr	1,19900Cr
Minority Interest	660.4Cr	693.6Cr	873.5Cr	935.9Cr	746.1Cr
Total Equity	73TCr	87TCr	95TCr	1,08600Cr	1,23300Cr
Total Liabilities And Equity	8,36100Cr	9,24900Cr	10,13900Cr	11,02800Cr	12,15200Cr
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	25.36	29.01	32.71	36.71	41.46
Tangible Book Value	67TCr	81TCr	90TCr	1,03600Cr	1,18600Cr
Tangible Book Value Per Share	24.59	28.27	32	36.21	40.98
Average Loans	4,82300Cr	5,36400Cr	5,85000Cr	6,30000Cr	6,66600Cr
Total Debt	1,02900Cr	98TCr	69TCr	97TCr	78TCr
Deposits at Interest - Cash	52TCr	72TCr	50TCr	46TCr	71TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-6Cr	-6.5Cr	-5Cr	-5Cr	-7.1Cr
Net Debt	30TCr	6.47TCr	-29TCr	17TCr	-17TCr
Equity Method Investments, Total	1.49TCr	2.37TCr	2.38TCr	2.66TCr	3.1TCr
Full Time Employees	90.87T	1L	1L	-	1L
Number Of Offices	1.87T	1.91T	1.9T	-	1.94T

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	9.73TCr	12TCr	14TCr	15TCr	15TCr
Depreciation, Depletion & Amortization	1.13TCr	1.22TCr	1.34TCr	1.55TCr	1.58TCr
Amortization of Goodwill and Intangible Assets - (CF)	22Cr	22Cr	22Cr	4.2Cr	4.4Cr
Total Depreciation, Depletion & Amortization	1.16TCr	1.24TCr	1.36TCr	1.55TCr	1.58TCr
Amortization of Deferred Charges, Total	193.1Cr	208.8Cr	203.8Cr	89Cr	64Cr
(Gain) Loss On Sale of Asset - (CF)	-4.4Cr	-11Cr	-28Cr	-17Cr	-25Cr
(Gain) Loss on Sale of Investments - (CF)	1.81TCr	2.93TCr	1.24TCr	-2.33TCr	-2.88TCr
Total Asset Writedown	513.1Cr	-70Cr	-718.4Cr	-	-
Provision for Credit Losses	4.67TCr	3.68TCr	4.48TCr	4.64TCr	4.34TCr
(Income) Loss On Equity Investments - (CF)	-	-	-	-247.6Cr	-263.2Cr
Change In Deferred Taxes	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	29TCr	5.46TCr	45TCr	-37TCr	-59TCr
Other Operating Activities	-5.32TCr	-7.23TCr	-8.01TCr	-7.73TCr	-7.71TCr
Cash from Operations	42TCr	18TCr	57TCr	-26TCr	-49TCr
Capital Expenditure	-1.91TCr	-2.42TCr	-3.49TCr	-3.02TCr	-3.49TCr
Sale of Property, Plant, and Equipment	235.4Cr	239.9Cr	675Cr	495Cr	1.08TCr
Cash Acquisitions	-146Cr	-534.2Cr	-48Cr	-3.9Cr	-57Cr
Divestitures	58Cr	86Cr	46Cr	15Cr	42Cr
Investment in Marketable and Equity Securities, Total	-28TCr	-6.46TCr	-56TCr	-33TCr	-38TCr
Other Investing Activities, Total	5.8TCr	7.12TCr	7.91TCr	9.8TCr	11TCr
Cash from Investing	-24TCr	-1.97TCr	-51TCr	-26TCr	-29TCr
Long-Term Debt Issued, Total	3.36TCr	6.39TCr	2.15TCr	2.52TCr	2.5TCr
Total Debt Issued	3.36TCr	6.39TCr	2.15TCr	2.52TCr	2.5TCr
Long-Term Debt Repaid, Total	-5.01TCr	-6.06TCr	-8.37TCr	-5.62TCr	-6.48TCr
Total Debt Repaid	-5.01TCr	-6.06TCr	-8.37TCr	-5.62TCr	-6.48TCr
Issuance of Common Stock	5TCr	4.3TCr	-	3TCr	3TCr
Issuance of Preferred Stock	-	-	-	-	-
Repurchase of Preferred Stock	-	-	-719.6Cr	-	-
Common Dividends Paid	-3.03TCr	-3.18TCr	-4.22TCr	-4.74TCr	-5.43TCr
Preferred Dividends Paid	-165.1Cr	-163.8Cr	-167.5Cr	-100Cr	-100Cr
Common & Preferred Stock Dividends Paid	-3.19TCr	-3.35TCr	-4.39TCr	-4.84TCr	-5.53TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	-21TCr	8.7TCr	-17TCr	59TCr	1,01900Cr
Other Financing Activities, Total	-612.8Cr	-1.04TCr	-1.52TCr	214.1Cr	-1.04TCr
Cash from Financing	-21TCr	8.94TCr	-30TCr	55TCr	94TCr
Foreign Exchange Rate Adjustments	-567.3Cr	-274.6Cr	625.9Cr	216.4Cr	119.5Cr
Net Change in Cash	-3.69TCr	25TCr	-23TCr	3.18TCr	16TCr
Supplemental Items
Cash Interest Paid	13TCr	13TCr	13TCr	13TCr	15TCr
Cash Income Tax Paid (Refund)	5.03TCr	5.69TCr	6.1TCr	3.48TCr	3.06TCr
Net Debt Issued / Repaid	-1.65TCr	326.6Cr	-6.22TCr	-3.1TCr	-3.98TCr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	1.24	1.37	1.44	1.4	1.29
Return On Equity %	14.53	15.14	15.31	14.51	12.9
Return on Common Equity	15.11	15.36	15.24	14.44	12.71
Shareholders Value Added	2.15TCr	2.93TCr	3.37TCr	2.86TCr	1.36TCr
Margin Analysis
SG&A Margin	42.83	41.36	39.36	10.68	10.31
Net Interest Income / Total Revenues %	81.91	76.87	75.77	72.69	71.74
EBT Excl. Non-Recurring Items Margin %	54.2	55.85	57.32	59.8	60.66
Income From Continuing Operations Margin %	43.37	45.55	48.36	50.12	50.78
Net Income Margin %	43.09	45.2	47.92	49.64	50.39
Net Avail. For Common Margin %	42.36	43.84	46.1	48.1	48.49
Normalized Net Income Margin	33.6	34.56	35.38	36.9	37.52
Asset quality
Nonperforming Loans / Total Loans %	1.11	0.96	1.01	0.92	0.91
Nonperforming Loans / Total Assets %	0.64	0.55	0.57	0.56	0.54
Nonperforming Assets / Total Assets %	0.65	0.56	0.58	0.56	0.54
NPAs / Loans and OREO	1.12	0.97	1.02	0.93	0.92
NPAs / Equity	7.42	5.93	6.13	5.71	5.35
Allowance for Credit Losses / Net Charge-offs %	670.96	973.72	849.27	682.31	618.85
Allowance for Credit Losses / Nonperforming Loans %	437.42	482.67	440.93	433.27	404.46
Allowance for Credit Losses / Total Loans %	4.86	4.65	4.47	3.99	3.69
Net Charge-offs / Total Average Loans %	0.72	0.47	0.51	0.62	0.64
Provision for Loan Losses / Net Charge-offs %	185.59	261.63	188.45	105.56	93.23
Earning Assets / IBL	105.28	106.04	107.98	107.13	107.56
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.03	8.6	8.99	9.29	9.7
Total Average Equity / Total Average Assets %	8.54	9.06	9.39	9.64	10
Total Equity + Allowance for Loan Losses / Total Loans %	19.87	20.92	21.01	20.08	20.75
Gross Loans / Total Deposits %	75.98	74.36	69.91	77.23	73.35
Net Loans / Total Deposits %	72.29	70.9	66.78	74.15	70.65
Tier 1 Capital Ratio %	13.98	14.94	15.75	16.01	17.48
Total Capital Ratio %	16.54	17.48	17.77	17.88	19.05
Core Tier 1 Capital Ratio	12.29	12.66	13.68	13.73	14.86
Tier 2 Capital Ratio	2.56	2.54	2.02	1.87	1.57
Coverage Ratio	437.42	482.67	440.93	433.27	404.46
Interbank Ratio	61.05	73.92	66.79	62.95	88.34
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	2	2.2	2.22	2.1	2.1
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	6.9	10.21	7.02	-1.63	-1.58
Non Interest Income, 1 Yr. Growth %	9.08	20.75	-0.62	-3.65	1.05
Provision For Loan Losses, 1 Yr. Growth %	6.23	1.68	-13.96	-27.26	-3.15
Total Revenues, 1 Yr. Growth %	8.11	17.59	8.57	2.53	-0.27
Earnings From Cont. Operations, 1 Yr. Growth %	4.86	23.35	15.28	6.25	1.05
Net Income, 1 Yr. Growth %	4.82	23.2	15.08	6.22	1.22
Normalized Net Income, 1 Yr. Growth %	4.48	20.8	11.14	6.94	1.38
Diluted EPS Before Extra, 1 Yr. Growth %	4.81	21.64	14.1	7.03	0.53
Dividend Per Share, 1 Yr. Growth %	4.42	21.47	14.19	13.46	1.42
Gross Loans, 1 Yr. Growth %	10.78	9.43	8.35	16.99	7.4
Allowance For Loan Losses, 1 Yr. Growth %	5.21	4.68	4.18	4.32	-0.54
Net Loans, 1 Yr. Growth %	11.08	9.67	8.55	17.59	7.73
Non Performing Loans, 1 Yr. Growth %	2.56	-5.13	14.04	6.16	6.55
Non Performing Assets, 1 Yr. Growth %	2.23	-5.26	13.79	6.05	6.45
Total Assets, 1 Yr. Growth %	12.73	10.62	9.62	8.77	10.19
Total Deposits, 1 Yr Growth %	17.6	11.82	15.24	5.9	13.08
Tangible Book Value, 1 Yr. Growth %	20.17	20.28	11.68	15.13	14.49
Average Interest Earning Assets, 1 Yr. Growth %	11.25	10.44	10.49	9.98	6.99
Average Interest Bearing Liabilities, 1 Yr. Growth %	12.23	9.65	8.51	10.84	6.56
Common Equity, 1 Yr. Growth %	19.48	19.57	11.32	14.26	14.27
Total Equity, 1 Yr. Growth %	18.24	18.53	10.23	13.78	13.61
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	7.41	8.54	8.6	2.6	-1.61
Non Interest Income, 2 Yr. CAGR %	9.51	14.62	9.55	-2.14	-1.33
Provision For Loan Losses, 2 Yr. CAGR %	3.27	3.93	-6.47	-20.89	-16.07
Total Revenues, 2 Yr. CAGR %	9.7	12.68	12.99	5.51	1.12
Earnings From Cont. Operations, 2 Yr. CAGR %	10.09	13.73	19.25	10.67	3.62
Net Income, 2 Yr. CAGR %	9.92	13.64	19.07	10.57	3.69
Normalized Net Income, 2 Yr. CAGR %	7	12.34	15.87	9.02	4.12
Diluted EPS Before Extra, 2 Yr. CAGR %	10.07	12.91	17.81	10.51	3.73
Dividend Per Share, 2 Yr. CAGR %	15.45	12.62	17.77	13.83	7.27
Gross Loans, 2 Yr. CAGR %	11.14	10.1	8.89	12.59	12.09
Allowance For Loan Losses, 2 Yr. CAGR %	10.55	4.95	4.43	4.25	1.86
Net Loans, 2 Yr. CAGR %	11.17	10.37	9.11	12.98	12.55
Non Performing Loans, 2 Yr. CAGR %	0	-1.36	4.01	10.03	6.35
Non Performing Assets, 2 Yr. CAGR %	0.02	-1.58	3.83	9.85	6.25
Total Assets, 2 Yr. CAGR %	11.33	11.67	10.12	9.2	9.48
Total Deposits, 2 Yr CAGR %	14.18	14.67	13.52	10.47	9.43
Tangible Book Value, 2 Yr. CAGR %	17.3	20.23	15.9	13.39	14.81
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 %	16.74	19.53	15.37	12.78	14.26
Total Equity, 2 Yr. CAGR %	15.91	18.38	14.3	11.99	13.69
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	8.5	8.33	8.03	5.08	1.19
Non Interest Income, 3 Yr. CAGR %	11.61	13.03	9.29	4.96	-1.09
Provision For Loan Losses, 3 Yr. CAGR %	2.68	2.74	-2.41	-13.99	-15.37
Total Revenues, 3 Yr. CAGR %	11.96	12.22	11.29	9.39	3.54
Earnings From Cont. Operations, 3 Yr. CAGR %	11.52	14.35	14.24	14.75	7.37
Net Income, 3 Yr. CAGR %	11.54	14.18	14.12	14.63	7.36
Normalized Net Income, 3 Yr. CAGR %	10.55	11.41	11.94	12.81	6.41
Diluted EPS Before Extra, 3 Yr. CAGR %	10.88	13.79	13.31	14.1	7.08
Dividend Per Share, 3 Yr. CAGR %	14.26	17.43	13.14	16.32	9.53
Gross Loans, 3 Yr. CAGR %	10.84	10.56	9.51	11.52	10.83
Allowance For Loan Losses, 3 Yr. CAGR %	15.95	8.56	4.69	4.39	2.63
Net Loans, 3 Yr. CAGR %	10.6	10.67	9.76	11.87	11.2
Non Performing Loans, 3 Yr. CAGR %	-2.24	-1.74	3.53	4.72	8.86
Non Performing Assets, 3 Yr. CAGR %	-2.36	-1.77	3.29	4.56	8.7
Total Assets, 3 Yr. CAGR %	9.91	11.09	10.98	9.67	9.53
Total Deposits, 3 Yr CAGR %	12.12	13.38	14.86	10.92	11.33
Tangible Book Value, 3 Yr. CAGR %	16.03	18.29	17.31	15.64	13.76
Average Interest Earning Assets, 3 Yr. CAGR %	7.65	-	10.73	10.3	9.14
Average Interest Bearing Liabilities, 3 Yr. CAGR %	8.78	-	10.12	9.66	8.62
Common Equity, 3 Yr. CAGR %	15.63	17.68	16.73	15	13.27
Total Equity, 3 Yr. CAGR %	14.75	16.78	15.6	14.13	12.53
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	6.1	8.66	8.54	6	4.07
Non Interest Income, 5 Yr. CAGR %	10.6	11.13	10.72	6.7	4.92
Provision For Loan Losses, 5 Yr. CAGR %	1.82	-0.06	-1.08	-7.46	-8.12
Total Revenues, 5 Yr. CAGR %	9.7	13.07	12.34	9.49	7.11
Earnings From Cont. Operations, 5 Yr. CAGR %	11.04	14.14	14.55	12.86	9.87
Net Income, 5 Yr. CAGR %	11.03	14.07	14.49	12.72	9.83
Normalized Net Income, 5 Yr. CAGR %	10.5	13.33	12.65	10.45	8.75
Diluted EPS Before Extra, 5 Yr. CAGR %	10.62	13.38	13.6	12.47	9.37
Dividend Per Share, 5 Yr. CAGR %	12.67	15.51	15.65	15.97	10.76
Gross Loans, 5 Yr. CAGR %	12.02	11.18	10.06	11.37	10.54
Allowance For Loan Losses, 5 Yr. CAGR %	22.55	17.41	11.2	6.81	3.55
Net Loans, 5 Yr. CAGR %	11.61	10.92	10	11.59	10.87
Non Performing Loans, 5 Yr. CAGR %	2.49	-3.61	0.21	2.81	4.65
Non Performing Assets, 5 Yr. CAGR %	2.43	-3.69	0.07	2.72	4.47
Total Assets, 5 Yr. CAGR %	8.84	9.25	9.99	10.33	10.38
Total Deposits, 5 Yr CAGR %	8.17	10.23	12.68	12.21	12.66
Tangible Book Value, 5 Yr. CAGR %	14.05	15.71	15.98	16.3	16.3
Average Interest Earning Assets, 5 Yr. CAGR %	8.42	8.82	8.76	-	9.82
Average Interest Bearing Liabilities, 5 Yr. CAGR %	8.96	9.29	8.9	-	9.54
Common Equity, 5 Yr. CAGR %	13.83	15.43	15.53	15.69	15.73
Total Equity, 5 Yr. CAGR %	15.09	16.5	14.57	14.84	14.83