Balance Sheet Citigroup Inc.

Equities

C

US1729674242

Investment Banking & Brokerage Services

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6.wMWVdQEFHJEesFFNC7MRUk2JGGsFrJE0T_TrUb3DTUA.tvb_IlJCSddy_xV5Z9ZJGCjjaQYoy-JcK5idFN-XDDmlmqUBZEIqxnPdCA

Published financial data: CITIGROUP INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	5.05TCr	7.44TCr	13TCr	14TCr	14TCr
Interest Income, Total	5.05TCr	7.44TCr	13TCr	14TCr	14TCr
Interest On Deposits	798.1Cr	2.57TCr	7.84TCr	8.96TCr	8.31TCr
Interest Expense, Total	798.1Cr	2.57TCr	7.84TCr	8.96TCr	8.31TCr
Net Interest Income	4.25TCr	4.87TCr	5.49TCr	5.41TCr	5.98TCr
Trust Income	394.3Cr	378.4Cr	378.1Cr	413.4Cr	441.4Cr
Income From Trading Activities	1.02TCr	1.42TCr	1.09TCr	1.17TCr	1.02TCr
Gain (Loss) on Sale of Assets	-70Cr	5.5Cr	156.4Cr	-	-138.1Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	46Cr	-46Cr	-12Cr	-15Cr	11Cr
Total Other Non Interest Income	1.55TCr	909.9Cr	740.8Cr	1.14TCr	1.2TCr
Non Interest Income, Total	2.94TCr	2.66TCr	2.36TCr	2.7TCr	2.54TCr
Revenues Before Provison For Loan Losses	7.19TCr	7.53TCr	7.85TCr	8.11TCr	8.52TCr
Provision For Loan Losses	-310.3Cr	474.5Cr	778.6Cr	972.6Cr	949.7Cr
Total Revenues	7.5TCr	7.06TCr	7.07TCr	7.14TCr	7.57TCr
Salaries And Other Employee Benefits	2.34TCr	2.48TCr	2.74TCr	2.68TCr	2.78TCr
Occupancy Expense	125.3Cr	127.2Cr	145.8Cr	139.2Cr	146.5Cr
Selling General & Admin Expenses, Total	1.21TCr	1.3TCr	1.34TCr	1.5TCr	1.55TCr
Total Other Non Interest Expense	1.08TCr	1.26TCr	1.48TCr	1.07TCr	1.05TCr
Non Interest Expense, Total	4.75TCr	5.18TCr	5.7TCr	5.38TCr	5.52TCr
EBT, Excl. Unusual Items	2.75TCr	1.88TCr	1.37TCr	1.75TCr	2.05TCr
Restructuring Charges	-	-	-78Cr	-27Cr	1.4Cr
Impairment of Goodwill	-	-	-	-	-73Cr
Other Unusual Items	-	-	1.6Cr	-21Cr	30L
EBT, Incl. Unusual Items	2.75TCr	1.88TCr	1.29TCr	1.7TCr	1.98TCr
Income Tax Expense	545.1Cr	364.2Cr	352.8Cr	421.1Cr	537.3Cr
Earnings From Continuing Operations	2.2TCr	1.52TCr	938.2Cr	1.28TCr	1.45TCr
Earnings Of Discontinued Operations	70L	-23Cr	-10L	-20L	-30L
Net Income to Company	2.2TCr	1.49TCr	938.1Cr	1.28TCr	1.45TCr
Minority Interest	-7.3Cr	-8.9Cr	-15Cr	-15Cr	-15Cr
Net Income - (IS)	2.2TCr	1.48TCr	922.8Cr	1.27TCr	1.43TCr
Preferred Dividend and Other Adjustments	119.4Cr	114.5Cr	137.8Cr	122.4Cr	128.5Cr
Net Income to Common Incl Extra Items	2.08TCr	1.37TCr	785Cr	1.15TCr	1.3TCr
Net Income to Common Excl. Extra Items	2.08TCr	1.39TCr	785.1Cr	1.15TCr	1.3TCr
Per Share Items
Net EPS - Basic	10.21	7.04	4.07	6.03	7.11
Basic EPS - Continuing Operations	10.21	7.16	4.07	6.03	7.11
Basic Weighted Average Shares Outstanding	203.3Cr	194.67Cr	193.01Cr	190.14Cr	183.2Cr
Net EPS - Diluted	10.14	7	4.04	5.94	6.99
Diluted EPS - Continuing Operations	10.14	7.11	4.04	5.95	6.99
Diluted Weighted Average Shares Outstanding	204.94Cr	196.43Cr	195.58Cr	194.01Cr	187.31Cr
Normalized Basic EPS	8.41	5.99	4.35	5.68	6.93
Normalized Diluted EPS	8.34	5.94	4.29	5.57	6.77
Dividend Per Share	2.04	2.04	2.08	2.18	2.32
Payout Ratio	23.68	33.7	56.48	41	37.55
American Depositary Receipts Ratio (ADR)	0.17	0.17	0.17	0.17	0.17
Supplemental Items
Effective Tax Rate - (Ratio)	19.84	19.37	27.33	24.7	27.1
Current Domestic Taxes	75Cr	68Cr	14Cr	16Cr	-22Cr
Current Foreign Taxes	328.8Cr	410.6Cr	580.7Cr	594.5Cr	514Cr
Total Current Taxes	403.8Cr	478.3Cr	594.4Cr	610.7Cr	492.1Cr
Deferred Domestic Taxes	140.5Cr	-149.4Cr	-198.4Cr	-108Cr	35Cr
Deferred Foreign Taxes	80L	35Cr	-43Cr	-82Cr	10Cr
Total Deferred Taxes	141.3Cr	-114.1Cr	-241.6Cr	-189.6Cr	45Cr
Normalized Net Income	1.71TCr	1.17TCr	839.39Cr	1.08TCr	1.27TCr
Non-Cash Pension Expense	-1Cr	8.5Cr	16Cr	22Cr	19Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	168.5Cr	183.9Cr	181.9Cr	177.5Cr	186Cr
Total Stock-Based Compensation	168.5Cr	183.9Cr	181.9Cr	177.5Cr	186Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	23TCr	33TCr	24TCr	26TCr	33TCr
Investment Securities, Total	74TCr	79TCr	75TCr	65TCr	70TCr
Trading Asset Securities, Total	20TCr	20TCr	21TCr	25TCr	31TCr
Mortgage Backed Securities	9.93TCr	10TCr	11TCr	10TCr	10TCr
Total investments	1,03800Cr	1,09300Cr	1,07900Cr	1,00000Cr	1,10900Cr
Gross Loans	67TCr	66TCr	69TCr	70TCr	75TCr
Allowance For Loan Losses	-1.65TCr	-1.7TCr	-1.81TCr	-1.86TCr	-1.92TCr
Other Adjustments to Gross Loans	-80Cr	-80Cr	-92Cr	-97Cr	-110Cr
Net Loans	65TCr	64TCr	67TCr	68TCr	73TCr
Net Property Plant And Equipment	290Cr	2.63TCr	2.87TCr	3.02TCr	3.33TCr
Goodwill	2.13TCr	1.97TCr	2.01TCr	1.93TCr	1.91TCr
Other Intangibles, Total	409.1Cr	376.3Cr	373Cr	373.4Cr	352.5Cr
Accrued Interest Receivable	-	500Cr	500Cr	500Cr	500Cr
Other Receivables	5.43TCr	5.42TCr	5.39TCr	5.08TCr	6.27TCr
Restricted Cash	2.71TCr	1.88TCr	2.29TCr	2.67TCr	3.69TCr
Other Current Assets, Total	15TCr	13TCr	20TCr	19TCr	23TCr
Deferred Tax Assets Long-Term (Collected)	2.98TCr	3.34TCr	3.55TCr	3.48TCr	3.48TCr
Other Real Estate Owned And Foreclosed	2.7Cr	1.5Cr	3.6Cr	1.8Cr	2.2Cr
Other Long-Term Assets, Total	8.23TCr	6.42TCr	5.22TCr	5.6TCr	6.61TCr
Total Assets	2,29100Cr	2,41700Cr	2,41200Cr	2,35300Cr	2,65700Cr
Liabilities
Accrued Expenses, Total	6.14TCr	6.92TCr	6.35TCr	6.66TCr	7.48TCr
Interest Bearing Deposits	98TCr	94TCr	89TCr	90TCr	1,00500Cr
Institutional Deposits	8.21TCr	21TCr	22TCr	17TCr	19TCr
Non-Interest Bearing Deposits	26TCr	22TCr	20TCr	21TCr	21TCr
Total Deposits	1,31700Cr	1,36600Cr	1,30900Cr	1,28400Cr	1,40400Cr
Short-Term Borrowings	27TCr	31TCr	37TCr	35TCr	46TCr
Current Portion of Long-Term Debt	3.3TCr	3.25TCr	4.85TCr	4.19TCr	4.39TCr
Current Portion of Leases	76Cr	70Cr	73Cr	71Cr	72Cr
Long-Term Debt	22TCr	23TCr	23TCr	24TCr	27TCr
Federal Home Loan Bank Debt - Long-Term	-	300Cr	450Cr	200Cr	300Cr
Long-Term Leases	235.3Cr	237.2Cr	224.6Cr	230.4Cr	244.5Cr
Trust Preferred Securities (BS)	173.4Cr	160.6Cr	161.4Cr	162.2Cr	163.3Cr
Other Current Liabilities - (Bank / Utility Template)	12TCr	11TCr	11TCr	8.62TCr	11TCr
Deferred Tax Liability Non-Current	-	568Cr	587.7Cr	492.2Cr	529.5Cr
Other Non Current Liabilities	6.27TCr	7.91TCr	6.58TCr	5.95TCr	7.73TCr
Total Liabilities	2,08900Cr	2,21500Cr	2,20600Cr	2,14400Cr	2,44300Cr
Preferred Stock Redeemable	1.67TCr	1.67TCr	1.76TCr	1.78TCr	2TCr
Preferred Stock Convertible	225Cr	225Cr	-	-	-
Total Preferred Equity	1.9TCr	1.9TCr	1.76TCr	1.78TCr	2TCr
Common Stock, Total	3.1Cr	3.1Cr	3.1Cr	3.1Cr	3.1Cr
Additional Paid In Capital	11TCr	11TCr	11TCr	11TCr	11TCr
Retained Earnings	18TCr	19TCr	20TCr	21TCr	22TCr
Treasury Stock	-7.12TCr	-7.4TCr	-7.52TCr	-7.68TCr	-8.95TCr
Comprehensive Income and Other	-3.88TCr	-4.71TCr	-4.48TCr	-4.79TCr	-4.19TCr
Total Common Equity	18TCr	18TCr	19TCr	19TCr	19TCr
Minority Interest	70Cr	65Cr	80Cr	77Cr	153.1Cr
Total Equity	20TCr	20TCr	21TCr	21TCr	21TCr
Total Liabilities And Equity	2,29100Cr	2,41700Cr	2,41200Cr	2,35300Cr	2,65700Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	198.09Cr	194.37Cr	191.14Cr	188.45Cr	174.93Cr
ECS Total Common Shares Outstanding	198.44Cr	193.7Cr	190.31Cr	187.71Cr	174.75Cr
Book Value / Share	92.21	94.06	98.71	101.62	110.01
Tangible Book Value	16TCr	16TCr	16TCr	17TCr	17TCr
Tangible Book Value Per Share	79.41	81.95	86.19	89.35	97.06
Tangible Book Value Per Share (As Reported)	79.16	81.65	86.19	89.34	97.06
Average Assets	2,34800Cr	2,39600Cr	2,44200Cr	2,46800Cr	2,64400Cr
Average Loans	67TCr	65TCr	66TCr	68TCr	72TCr
Total Debt	53TCr	58TCr	66TCr	64TCr	78TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	18Cr	-12Cr	3.4Cr	-90Cr	-127.5Cr
Net Debt	-23TCr	-31TCr	-15TCr	-14TCr	-21TCr
Full Time Employees	2L	2L	2L	2L	2L
Part Time Employees	3.35T	3.6T	2.15T	2.29T	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	2.2TCr	1.48TCr	922.8Cr	1.27TCr	1.43TCr
Depreciation, Depletion & Amortization	360.4Cr	391Cr	419Cr	394Cr	412.8Cr
Amortization of Goodwill and Intangible Assets - (CF)	36Cr	35Cr	37Cr	37Cr	24Cr
Total Depreciation, Depletion & Amortization	396.4Cr	426.2Cr	456Cr	431.1Cr	437.3Cr
Amortization of Deferred Charges, Total	-	-	-	-	-
Minority Interest in Earnings - (CF)	-7.3Cr	-8.9Cr	-15Cr	-15Cr	-15Cr
(Gain) Loss On Sale of Asset - (CF)	70Cr	-76Cr	-146.2Cr	-	135.4Cr
(Gain) Loss on Sale of Investments - (CF)	-46Cr	43Cr	14Cr	10Cr	-13Cr
Total Asset Writedown	-	54Cr	-	-	73Cr
Restructuring Activities	-	-	-	-	-
Provision for Credit Losses	-389.1Cr	503.6Cr	918.6Cr	1.01TCr	1.03TCr
Change in Trading Asset Securities	4.31TCr	-227.3Cr	-7.78TCr	-3.12TCr	-9.46TCr
Change in Other Net Operating Assets (Collected)	-548.2Cr	390.4Cr	-1.48TCr	-1.38TCr	-441.8Cr
Other Operating Activities	148.6Cr	-105.2Cr	-226.3Cr	-174.5Cr	60Cr
Net Cash From Discontinued Operations	-70L	23Cr	10L	20L	30L
Cash from Operations	6.12TCr	2.51TCr	-7.34TCr	-1.97TCr	-6.76TCr
Capital Expenditure	-411.9Cr	-563.2Cr	-658.3Cr	-650Cr	-652Cr
Sale of Property, Plant, and Equipment	19Cr	6.3Cr	5.6Cr	22Cr	6.2Cr
Divestitures	-	574.1Cr	-139.3Cr	-	-
Investment in Marketable and Equity Securities, Total	-12TCr	-6.7TCr	3.84TCr	11TCr	-3.34TCr
Net (Increase) Decrease in Loans Originated / Sold - Investing	174.5Cr	-1.19TCr	-3.97TCr	-1.58TCr	-7.06TCr
Other Investing Activities, Total	18Cr	-79Cr	84Cr	251.2Cr	216.7Cr
Cash from Investing	-12TCr	-7.95TCr	-845.9Cr	8.62TCr	-11TCr
Short Term Debt Issued, Total	-	3.03TCr	7.57TCr	1.1TCr	9.67TCr
Long-Term Debt Issued, Total	7.07TCr	10TCr	6.58TCr	9.91TCr	12TCr
Total Debt Issued	7.07TCr	14TCr	14TCr	11TCr	22TCr
Short Term Debt Repaid, Total	-978.1Cr	-	-963.9Cr	-2.34TCr	-
Long-Term Debt Repaid, Total	-7.5TCr	-5.71TCr	-6.5TCr	-9.3TCr	-10TCr
Total Debt Repaid	-8.47TCr	-5.71TCr	-7.46TCr	-12TCr	-10TCr
Repurchase of Common Stock	-793.8Cr	-359.4Cr	-230.6Cr	-292.8Cr	-1.4TCr
Issuance of Preferred Stock	330Cr	-	273.9Cr	528.2Cr	718.6Cr
Repurchase of Preferred Stock	-378.5Cr	-	-414.5Cr	-505Cr	-500Cr
Common Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-519.8Cr	-500.3Cr	-521.2Cr	-519.9Cr	-537.2Cr
Common & Preferred Stock Dividends Paid	-519.8Cr	-500.3Cr	-521.2Cr	-519.9Cr	-537.2Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	4.5TCr	6.84TCr	-5.73TCr	-2.42TCr	14TCr
Other Financing Activities, Total	-	-	-	-	187.8Cr
Cash from Financing	1.73TCr	14TCr	69Cr	-3.83TCr	24TCr
Foreign Exchange Rate Adjustments	-119.8Cr	-338.5Cr	9.5Cr	-1.27TCr	1.09TCr
Net Change in Cash	-4.76TCr	8TCr	-8.11TCr	1.56TCr	7.3TCr
Supplemental Items
Cash Interest Paid	714.3Cr	2.26TCr	7.3TCr	8.8TCr	8.1TCr
Cash Income Tax Paid (Refund)	402.8Cr	373.3Cr	572.7Cr	579.8Cr	651.4Cr
Net Debt Issued / Repaid	-1.41TCr	7.79TCr	6.69TCr	-618.6Cr	12TCr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.97	0.64	0.39	0.54	0.58
Return On Equity %	10.93	7.5	4.6	6.18	6.83
Return on Common Equity	11.43	7.63	4.24	6.05	6.8
Shareholders Value Added	54Cr	-671.33Cr	-1.21TCr	-949.49Cr	-843.71Cr
Margin Analysis
SG&A Margin	49.03	55.44	59.74	60.44	59.05
Net Interest Income / Total Revenues %	56.67	68.97	77.65	75.8	78.97
EBT Excl. Non-Recurring Items Margin %	36.63	26.65	19.34	24.55	27.12
Income From Continuing Operations Margin %	29.36	21.49	13.27	17.99	19.09
Net Income Margin %	29.27	21.04	13.05	17.77	18.89
Net Avail. For Common Margin %	27.67	19.74	11.1	16.06	17.2
Normalized Net Income Margin	22.8	16.53	11.87	15.13	16.76
Asset quality
Nonperforming Loans / Total Loans %	0.51	0.37	0.46	0.39	0.48
Nonperforming Loans / Total Assets %	0.15	0.1	0.13	0.11	0.14
Nonperforming Assets / Total Assets %	0.15	0.1	0.13	0.11	0.14
NPAs / Loans and OREO	0.51	0.37	0.47	0.39	0.48
NPAs / Equity	1.68	1.22	1.57	1.29	1.7
Allowance for Credit Losses / Net Charge-offs %	336.16	447.98	281.89	206.38	211.58
Allowance for Credit Losses / Nonperforming Loans %	486.98	695.94	567.56	691.25	531.83
Allowance for Credit Losses / Total Loans %	2.46	2.58	2.63	2.67	2.55
Net Charge-offs / Total Average Loans %	0.73	0.58	0.97	1.32	1.27
Provision for Loan Losses / Net Charge-offs %	-63.39	125.23	120.96	108.07	104.4
Earning Assets / IBL	124.52	125.03	123.99	123.68	122.35
Interest Income / Average Assets	2.15	3.11	5.46	5.82	5.4
Interest Expense / Average Assets	0.34	1.07	3.21	3.63	3.14
Net Interest Income / Average Assets	1.81	2.03	2.25	2.19	2.26
Non Interest Income / Average Assets	1.25	1.11	0.97	1.09	0.96
Non Interest Expense / Average Asset	2.02	2.16	2.33	2.18	2.09
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.97	7.76	7.66	7.95	7.64
Total Average Equity / Total Average Assets %	8.85	8.59	8.45	8.72	8.45
Total Equity + Allowance for Loan Losses / Total Loans %	32.67	33.15	32.39	32.67	30.74
Gross Loans / Total Deposits %	50.76	48.17	52.75	54.14	53.67
Net Loans / Total Deposits %	49.45	46.87	51.29	52.62	52.22
Tier 1 Capital Ratio %	13.91	13.85	13.6	13.63	13.65
Total Capital Ratio %	16.72	15.46	15.13	15.42	15.66
Core Tier 1 Capital Ratio	12.25	12.19	12.11	12.14	11.93
Tier 2 Capital Ratio	2.81	1.61	1.53	1.78	2.01
Equity Tier 1 Capital Ratio	12.88	12.95	12.93	13.1	12.89
Coverage Ratio	296.06	419.84	935.31	1.23T	895.21
Leverage Ratio %	7.21	7.06	7.2	7.17	6.69
Interbank Ratio	337.78	369.37	220.7	208.36	208.32
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	4.44	1.73	1.16	1.19	1.24
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-5.04	14.53	12.81	-1.47	10.53
Non Interest Income, 1 Yr. Growth %	-4.39	-9.38	-11.45	14.45	-4.35
Provision For Loan Losses, 1 Yr. Growth %	-119.49	-252.92	64.09	24.92	-2.35
Total Revenues, 1 Yr. Growth %	25.88	-5.91	0.2	0.94	6.72
Earnings From Cont. Operations, 1 Yr. Growth %	98.24	-31.12	-38.13	36.8	12.62
Net Income, 1 Yr. Growth %	98.71	-32.38	-37.84	37.43	12.81
Normalized Net Income, 1 Yr. Growth %	101.59	-31.76	-27.96	14.17	19.01
Diluted EPS Before Extra, 1 Yr. Growth %	114.37	-29.86	-43.16	47.03	17.64
Dividend Per Share, 1 Yr. Growth %	0	0	1.96	4.81	6.42
Gross Loans, 1 Yr. Growth %	-1.21	-1.57	4.9	0.75	8.32
Allowance For Loan Losses, 1 Yr. Growth %	-34.06	3.15	6.9	2.36	3.62
Net Loans, 1 Yr. Growth %	0.06	-1.7	4.84	0.7	8.44
Non Performing Loans, 1 Yr. Growth %	-40.38	-27.82	31.08	-15.95	34.69
Non Performing Assets, 1 Yr. Growth %	-40.36	-27.95	31.74	-16.33	34.6
Total Assets, 1 Yr. Growth %	1.39	5.47	-0.2	-2.44	12.93
Total Deposits, 1 Yr Growth %	2.85	3.7	-4.19	-1.85	9.27
Tangible Book Value, 1 Yr. Growth %	2.74	0.73	3.33	2.25	1.14
Average Interest Earning Assets, 1 Yr. Growth %	5.87	1.34	2.84	1.22	7.26
Average Interest Bearing Liabilities, 1 Yr. Growth %	4.12	0.93	3.69	1.47	8.43
Common Equity, 1 Yr. Growth %	1.68	-0.43	3.11	1.54	0.78
Total Equity, 1 Yr. Growth %	1.23	-0.41	2.19	1.51	2.13
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-6.04	4.28	13.66	5.43	4.36
Non Interest Income, 2 Yr. CAGR %	4.46	-6.92	-10.42	0.67	4.7
Provision For Loan Losses, 2 Yr. CAGR %	-38.55	-45.41	58.4	43.17	10.44
Total Revenues, 2 Yr. CAGR %	5.91	8.83	-2.9	0.57	3.78
Earnings From Cont. Operations, 2 Yr. CAGR %	6.34	16.85	-34.72	-8	24.13
Net Income, 2 Yr. CAGR %	6.37	15.92	-35.16	-7.57	24.51
Normalized Net Income, 2 Yr. CAGR %	7.21	17.29	-29.93	-3.63	22.95
Diluted EPS Before Extra, 2 Yr. CAGR %	12.32	22.62	-36.85	-8.58	31.52
Dividend Per Share, 2 Yr. CAGR %	3.08	0	0.98	3.37	5.61
Gross Loans, 2 Yr. CAGR %	-2.29	-1.39	1.61	2.81	4.47
Allowance For Loan Losses, 2 Yr. CAGR %	13.46	-17.53	5.01	4.61	2.99
Net Loans, 2 Yr. CAGR %	-2.61	-0.82	1.52	2.75	4.5
Non Performing Loans, 2 Yr. CAGR %	-8.14	-34.4	-2.73	4.96	6.4
Non Performing Assets, 2 Yr. CAGR %	-8.46	-34.45	-2.57	4.99	6.12
Total Assets, 2 Yr. CAGR %	8.37	3.41	2.59	-1.33	4.96
Total Deposits, 2 Yr CAGR %	10.92	3.28	-0.33	-3.03	3.56
Tangible Book Value, 2 Yr. CAGR %	2.91	1.73	2.02	2.79	1.69
Average Interest Earning Assets, 2 Yr. CAGR %	9.24	3.58	2.08	2.02	4.2
Average Interest Bearing Liabilities, 2 Yr. CAGR %	8.89	2.51	2.3	2.58	4.89
Common Equity, 2 Yr. CAGR %	2.18	0.62	1.32	2.32	1.16
Total Equity, 2 Yr. CAGR %	2.22	0.41	0.88	1.85	1.82
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-3	0.37	7.05	8.38	7.1
Non Interest Income, 3 Yr. CAGR %	3.79	-0.38	-8.45	-2.8	-1.55
Provision For Loan Losses, 3 Yr. CAGR %	-25	-16.73	-21.22	46.35	26.02
Total Revenues, 3 Yr. CAGR %	4.61	1.82	5.87	-1.64	2.38
Earnings From Cont. Operations, 3 Yr. CAGR %	6.77	-7.99	-5.47	-16.46	-1.59
Net Income, 3 Yr. CAGR %	6.75	-8.54	-5.82	-16.71	-1.23
Normalized Net Income, 3 Yr. CAGR %	5.36	-7.78	-0.34	-14.19	2.95
Diluted EPS Before Extra, 3 Yr. CAGR %	14.87	-3.99	-5.1	-16.31	-0.56
Dividend Per Share, 3 Yr. CAGR %	9.83	2.04	0.65	2.24	4.38
Gross Loans, 3 Yr. CAGR %	-0.81	-2.05	0.66	1.32	4.61
Allowance For Loan Losses, 3 Yr. CAGR %	10.14	9.91	-10.08	4.12	4.28
Net Loans, 3 Yr. CAGR %	-1.03	-2.31	1.03	1.24	4.61
Non Performing Loans, 3 Yr. CAGR %	-1.51	-15.23	-17.38	-7.35	14.06
Non Performing Assets, 3 Yr. CAGR %	-2.15	-15.48	-17.28	-7.39	14.06
Total Assets, 3 Yr. CAGR %	6.12	7.39	2.19	0.89	3.21
Total Deposits, 3 Yr CAGR %	9.14	8.46	0.72	-0.84	0.91
Tangible Book Value, 3 Yr. CAGR %	1.42	2.18	2.26	2.1	2.23
Average Interest Earning Assets, 3 Yr. CAGR %	7.17	6.54	3.33	1.79	3.74
Average Interest Bearing Liabilities, 3 Yr. CAGR %	7.9	6.16	2.9	2.02	4.49
Common Equity, 3 Yr. CAGR %	0.97	1.3	1.44	1.4	1.81
Total Equity, 3 Yr. CAGR %	0.94	1.34	1	1.09	1.94
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-1.35	1.55	3.35	2.37	5.97
Non Interest Income, 5 Yr. CAGR %	3.03	-0.79	-2.15	0.04	-3.73
Provision For Loan Losses, 5 Yr. CAGR %	-14.39	-8.76	1.15	3.43	-9.82
Total Revenues, 5 Yr. CAGR %	3.2	1.57	1.54	1.32	4.91
Earnings From Cont. Operations, 5 Yr. CAGR %	7.93	18.01	-12.3	-8	5.41
Net Income, 5 Yr. CAGR %	8.04	16.91	-12.55	-8.15	5.31
Normalized Net Income, 5 Yr. CAGR %	5.05	-4.09	-10.5	-6.2	8.4
Diluted EPS Before Extra, 5 Yr. CAGR %	16.43	19.32	-9.58	-5.85	8.13
Dividend Per Share, 5 Yr. CAGR %	37.18	16.27	6.2	2.57	2.61
Gross Loans, 5 Yr. CAGR %	1.35	-0.29	0.15	-0.14	2.17
Allowance For Loan Losses, 5 Yr. CAGR %	6.41	6.56	8.06	7.76	-5.06
Net Loans, 5 Yr. CAGR %	1.24	-0.44	-0.02	-0.32	2.4
Non Performing Loans, 5 Yr. CAGR %	-9.54	-12.04	-2	-7.67	-8.58
Non Performing Assets, 5 Yr. CAGR %	-9.99	-12.47	-2.32	-7.82	-8.61
Total Assets, 5 Yr. CAGR %	5.04	5.58	4.7	3.82	3.29
Total Deposits, 5 Yr CAGR %	7.22	7.31	5.25	3.71	1.85
Tangible Book Value, 5 Yr. CAGR %	-2.53	0.52	1.66	2.42	2.03
Average Interest Earning Assets, 5 Yr. CAGR %	6.12	5.39	5.11	4.71	3.68
Average Interest Bearing Liabilities, 5 Yr. CAGR %	7.27	6.11	5.62	4.71	3.69
Common Equity, 5 Yr. CAGR %	-2.33	0.08	1.11	1.71	1.33
Total Equity, 5 Yr. CAGR %	-2.17	0.02	0.91	1.54	1.33