Cash flow Citigroup Inc.

Equities

C

US1729674242

Investment Banking & Brokerage Services

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Published financial data: CITIGROUP INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	5.81TCr	5.05TCr	7.44TCr	13TCr	14TCr
Interest Income, Total	5.81TCr	5.05TCr	7.44TCr	13TCr	14TCr
Interest On Deposits	1.45TCr	798.1Cr	2.57TCr	7.84TCr	8.96TCr
Interest Expense, Total	1.45TCr	798.1Cr	2.57TCr	7.84TCr	8.96TCr
Net Interest Income	4.35TCr	4.25TCr	4.87TCr	5.49TCr	5.41TCr
Trust Income	347.2Cr	394.3Cr	378.4Cr	378.1Cr	413.4Cr
Income From Trading Activities	1.39TCr	1.02TCr	1.42TCr	1.09TCr	1.17TCr
Gain (Loss) on Sale of Assets	-	-70Cr	5.5Cr	156.4Cr	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	158.1Cr	46Cr	-46Cr	-12Cr	-15Cr
Total Other Non Interest Income	1.18TCr	1.55TCr	909.9Cr	740.8Cr	1.14TCr
Non Interest Income, Total	3.07TCr	2.94TCr	2.66TCr	2.36TCr	2.7TCr
Revenues Before Provison For Loan Losses	7.43TCr	7.19TCr	7.53TCr	7.85TCr	8.11TCr
Provision For Loan Losses	1.59TCr	-310.3Cr	474.5Cr	778.6Cr	972.6Cr
Total Revenues	5.84TCr	7.5TCr	7.06TCr	7.07TCr	7.14TCr
Salaries And Other Employee Benefits	2.08TCr	2.34TCr	2.48TCr	2.74TCr	2.68TCr
Occupancy Expense	127.9Cr	125.3Cr	127.2Cr	145.8Cr	139.2Cr
Selling General & Admin Expenses, Total	1.11TCr	1.21TCr	1.3TCr	1.34TCr	1.5TCr
Total Other Non Interest Expense	1.16TCr	1.08TCr	1.26TCr	1.48TCr	1.07TCr
Non Interest Expense, Total	4.47TCr	4.75TCr	5.18TCr	5.7TCr	5.38TCr
EBT, Excl. Unusual Items	1.36TCr	2.75TCr	1.88TCr	1.37TCr	1.75TCr
Restructuring Charges	-	-	-	-78Cr	-27Cr
Other Unusual Items	-	-	-	-	-21Cr
EBT, Incl. Unusual Items	1.36TCr	2.75TCr	1.88TCr	1.29TCr	1.7TCr
Income Tax Expense	252.5Cr	545.1Cr	364.2Cr	352.8Cr	421.1Cr
Earnings From Continuing Operations	1.11TCr	2.2TCr	1.52TCr	938.2Cr	1.28TCr
Earnings Of Discontinued Operations	-2Cr	70L	-23Cr	-10L	-20L
Net Income to Company	1.11TCr	2.2TCr	1.49TCr	938.1Cr	1.28TCr
Minority Interest	-4Cr	-7.3Cr	-8.9Cr	-15Cr	-15Cr
Net Income - (IS)	1.1TCr	2.2TCr	1.48TCr	922.8Cr	1.27TCr
Preferred Dividend and Other Adjustments	116.8Cr	119.4Cr	114.5Cr	137.8Cr	122.4Cr
Net Income to Common Incl Extra Items	987.9Cr	2.08TCr	1.37TCr	785Cr	1.15TCr
Net Income to Common Excl. Extra Items	989.9Cr	2.08TCr	1.39TCr	785.1Cr	1.15TCr
Per Share Items
Net EPS - Basic	4.74	10.21	7.04	4.07	6.03
Basic EPS - Continuing Operations	4.75	10.21	7.16	4.07	6.03
Basic Weighted Average Shares Outstanding	208.58Cr	203.3Cr	194.67Cr	193.01Cr	190.14Cr
Net EPS - Diluted	4.72	10.14	7	4.04	5.94
Diluted EPS - Continuing Operations	4.73	10.14	7.11	4.04	5.95
Diluted Weighted Average Shares Outstanding	209.9Cr	204.94Cr	196.43Cr	195.58Cr	194.01Cr
Normalized Basic EPS	4.07	8.41	5.99	4.35	5.68
Normalized Diluted EPS	4.04	8.34	5.94	4.3	5.57
Dividend Per Share	2.04	2.04	2.04	2.08	2.18
Payout Ratio	48.45	23.68	33.7	56.48	41
American Depositary Receipts Ratio (ADR)	0.17	0.17	0.17	0.17	0.17
Supplemental Items
Effective Tax Rate - (Ratio)	18.52	19.84	19.37	27.33	24.7
Current Domestic Taxes	74Cr	75Cr	68Cr	14Cr	16Cr
Current Foreign Taxes	411.3Cr	328.8Cr	410.6Cr	580.7Cr	594.5Cr
Total Current Taxes	485.8Cr	403.8Cr	478.3Cr	594.4Cr	610.7Cr
Deferred Domestic Taxes	-164.3Cr	140.5Cr	-149.4Cr	-198.4Cr	-108Cr
Deferred Foreign Taxes	-69Cr	80L	35Cr	-43Cr	-82Cr
Total Deferred Taxes	-233.3Cr	141.3Cr	-114.1Cr	-241.6Cr	-189.6Cr
Normalized Net Income	848Cr	1.71TCr	1.17TCr	840.39Cr	1.08TCr
Non-Cash Pension Expense	-14Cr	-1Cr	8.5Cr	17Cr	22Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	146.4Cr	168.5Cr	183.9Cr	181.9Cr	177.5Cr
Total Stock-Based Compensation	146.4Cr	168.5Cr	183.9Cr	181.9Cr	177.5Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	28TCr	23TCr	33TCr	24TCr	1.95TCr
Investment Securities, Total	65TCr	74TCr	79TCr	75TCr	88TCr
Trading Asset Securities, Total	21TCr	20TCr	20TCr	21TCr	25TCr
Mortgage Backed Securities	9.55TCr	9.93TCr	10TCr	11TCr	10TCr
Total investments	95TCr	1,03800Cr	1,09300Cr	1,07900Cr	1,23800Cr
Gross Loans	68TCr	67TCr	66TCr	69TCr	70TCr
Allowance For Loan Losses	-2.5TCr	-1.65TCr	-1.7TCr	-1.81TCr	-1.86TCr
Other Adjustments to Gross Loans	-84Cr	-80Cr	-80Cr	-92Cr	-97Cr
Net Loans	65TCr	65TCr	64TCr	67TCr	68TCr
Net Property Plant And Equipment	280Cr	290Cr	2.63TCr	2.87TCr	3.02TCr
Goodwill	2.22TCr	2.13TCr	1.97TCr	2.01TCr	1.93TCr
Other Intangibles, Total	441.1Cr	409.1Cr	376.3Cr	373Cr	373.4Cr
Accrued Interest Receivable	-	-	500Cr	500Cr	500Cr
Other Receivables	4.48TCr	5.43TCr	5.42TCr	5.39TCr	5.08TCr
Restricted Cash	2.74TCr	2.71TCr	1.88TCr	2.29TCr	2.67TCr
Other Current Assets, Total	17TCr	15TCr	13TCr	20TCr	19TCr
Deferred Tax Assets Long-Term (Collected)	3.1TCr	2.98TCr	3.34TCr	3.55TCr	3.48TCr
Other Real Estate Owned And Foreclosed	4.3Cr	2.7Cr	1.5Cr	3.6Cr	1.8Cr
Other Long-Term Assets, Total	7.72TCr	8.23TCr	6.42TCr	5.22TCr	5.6TCr
Total Assets	2,26000Cr	2,29100Cr	2,41700Cr	2,41200Cr	2,35300Cr
Liabilities
Accrued Expenses, Total	5.05TCr	6.14TCr	6.92TCr	6.35TCr	6.66TCr
Interest Bearing Deposits	1,02900Cr	98TCr	94TCr	89TCr	90TCr
Institutional Deposits	2.4TCr	8.21TCr	21TCr	22TCr	17TCr
Non-Interest Bearing Deposits	23TCr	26TCr	22TCr	20TCr	21TCr
Total Deposits	1,28100Cr	1,31700Cr	1,36600Cr	1,30900Cr	1,28400Cr
Short-Term Borrowings	30TCr	27TCr	31TCr	37TCr	35TCr
Current Portion of Long-Term Debt	5.08TCr	3.3TCr	3.25TCr	4.85TCr	4.19TCr
Current Portion of Leases	79Cr	76Cr	70Cr	73Cr	71Cr
Long-Term Debt	22TCr	22TCr	23TCr	23TCr	24TCr
Federal Home Loan Bank Debt - Long-Term	340Cr	-	300Cr	450Cr	200Cr
Long-Term Leases	229.7Cr	235.3Cr	237.2Cr	224.6Cr	230.4Cr
Trust Preferred Securities (BS)	173Cr	173.4Cr	160.6Cr	161.4Cr	162.2Cr
Other Current Liabilities - (Bank / Utility Template)	10TCr	12TCr	11TCr	11TCr	8.62TCr
Deferred Tax Liability Non-Current	-	-	568Cr	587.7Cr	492.2Cr
Other Non Current Liabilities	5.69TCr	6.27TCr	7.91TCr	6.58TCr	5.95TCr
Total Liabilities	2,06000Cr	2,08900Cr	2,21500Cr	2,20600Cr	2,14400Cr
Preferred Stock Redeemable	1.72TCr	1.67TCr	1.67TCr	1.76TCr	1.78TCr
Preferred Stock Convertible	225Cr	225Cr	225Cr	-	-
Total Preferred Equity	1.95TCr	1.9TCr	1.9TCr	1.76TCr	1.78TCr
Common Stock, Total	3.1Cr	3.1Cr	3.1Cr	3.1Cr	3.1Cr
Additional Paid In Capital	11TCr	11TCr	11TCr	11TCr	11TCr
Retained Earnings	17TCr	18TCr	19TCr	20TCr	21TCr
Treasury Stock	-6.41TCr	-7.12TCr	-7.4TCr	-7.52TCr	-7.68TCr
Comprehensive Income and Other	-3.21TCr	-3.88TCr	-4.71TCr	-4.48TCr	-4.79TCr
Total Common Equity	18TCr	18TCr	18TCr	19TCr	19TCr
Minority Interest	76Cr	70Cr	65Cr	80Cr	77Cr
Total Equity	20TCr	20TCr	20TCr	21TCr	21TCr
Total Liabilities And Equity	2,26000Cr	2,29100Cr	2,41700Cr	2,41200Cr	2,35300Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	208.73Cr	198.09Cr	194.37Cr	191.14Cr	188.45Cr
ECS Total Common Shares Outstanding	208.21Cr	198.44Cr	193.7Cr	190.31Cr	187.71Cr
Book Value / Share	86.43	92.21	94.06	98.71	101.62
Tangible Book Value	15TCr	16TCr	16TCr	16TCr	17TCr
Tangible Book Value Per Share	73.67	79.41	81.95	86.19	89.35
Tangible Book Value Per Share (As Reported)	73.67	79.16	81.65	86.19	89.34
Average Assets	2,22600Cr	2,34800Cr	2,39600Cr	2,44200Cr	2,46800Cr
Average Loans	69TCr	67TCr	65TCr	66TCr	68TCr
Total Debt	57TCr	53TCr	58TCr	66TCr	64TCr
Federal Funds Sold	-	-	-	-	-
Debt Equivalent of Unfunded Proj. Benefit Obligation	130.4Cr	18Cr	-12Cr	3.4Cr	-90Cr
Net Debt	-21TCr	-23TCr	-31TCr	-15TCr	-14TCr
Full Time Employees	2L	2L	2L	2L	2L
Part Time Employees	3.15T	3.35T	3.6T	2.15T	2.29T

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	1.1TCr	2.2TCr	1.48TCr	922.8Cr	1.27TCr
Depreciation, Depletion & Amortization	351.8Cr	360.4Cr	391Cr	419Cr	394Cr
Amortization of Goodwill and Intangible Assets - (CF)	42Cr	36Cr	35Cr	37Cr	37Cr
Total Depreciation, Depletion & Amortization	393.7Cr	396.4Cr	426.2Cr	456Cr	431.1Cr
Amortization of Deferred Charges, Total	-	-	-	-	-
Minority Interest in Earnings - (CF)	-4Cr	-7.3Cr	-8.9Cr	-15Cr	-15Cr
(Gain) Loss On Sale of Asset - (CF)	-	70Cr	-76Cr	-146.2Cr	-
(Gain) Loss on Sale of Investments - (CF)	-159.1Cr	-46Cr	43Cr	14Cr	10Cr
Total Asset Writedown	-	-	54Cr	-	-
Restructuring Activities	-	-	-	-	-
Provision for Credit Losses	1.74TCr	-389.1Cr	503.6Cr	918.6Cr	1.01TCr
Change in Trading Asset Securities	-9.9TCr	4.31TCr	-227.3Cr	-7.78TCr	-3.12TCr
Change in Other Net Operating Assets (Collected)	4.99TCr	-548.2Cr	390.4Cr	-1.48TCr	-1.38TCr
Other Operating Activities	-229.3Cr	148.6Cr	-105.2Cr	-226.3Cr	-174.5Cr
Net Cash From Discontinued Operations	2Cr	-70L	23Cr	10L	20L
Cash from Operations	-2.06TCr	6.12TCr	2.51TCr	-7.34TCr	-1.97TCr
Capital Expenditure	-344.6Cr	-411.9Cr	-563.2Cr	-658.3Cr	-650Cr
Sale of Property, Plant, and Equipment	5Cr	19Cr	6.3Cr	5.6Cr	22Cr
Divestitures	-	-	574.1Cr	-139.3Cr	-
Investment in Marketable and Equity Securities, Total	-11TCr	-12TCr	-6.7TCr	3.84TCr	11TCr
Net (Increase) Decrease in Loans Originated / Sold - Investing	1.57TCr	174.5Cr	-1.19TCr	-3.97TCr	-1.58TCr
Other Investing Activities, Total	12Cr	18Cr	-79Cr	84Cr	251.2Cr
Cash from Investing	-9.53TCr	-12TCr	-7.95TCr	-845.9Cr	8.62TCr
Short Term Debt Issued, Total	3.32TCr	-	3.03TCr	7.57TCr	1.1TCr
Long-Term Debt Issued, Total	7.65TCr	7.07TCr	10TCr	6.58TCr	9.91TCr
Total Debt Issued	11TCr	7.07TCr	14TCr	14TCr	11TCr
Short Term Debt Repaid, Total	-1.55TCr	-978.1Cr	-	-963.9Cr	-2.34TCr
Long-Term Debt Repaid, Total	-6.34TCr	-7.5TCr	-5.71TCr	-6.5TCr	-9.3TCr
Total Debt Repaid	-7.89TCr	-8.47TCr	-5.71TCr	-7.46TCr	-12TCr
Repurchase of Common Stock	-333.6Cr	-793.8Cr	-359.4Cr	-230.6Cr	-292.8Cr
Issuance of Preferred Stock	299.5Cr	330Cr	-	273.9Cr	528.2Cr
Repurchase of Preferred Stock	-150Cr	-378.5Cr	-	-414.5Cr	-505Cr
Common Dividends Paid	-535.2Cr	-	-	-	-
Preferred Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-	-519.8Cr	-500.3Cr	-521.2Cr	-519.9Cr
Common & Preferred Stock Dividends Paid	-535.2Cr	-519.8Cr	-500.3Cr	-521.2Cr	-519.9Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	21TCr	4.5TCr	6.84TCr	-5.73TCr	-2.42TCr
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	23TCr	1.73TCr	14TCr	69Cr	-3.83TCr
Foreign Exchange Rate Adjustments	-196.6Cr	-119.8Cr	-338.5Cr	9.5Cr	-1.27TCr
Net Change in Cash	12TCr	-4.76TCr	8TCr	-8.11TCr	1.56TCr
Supplemental Items
Cash Interest Paid	1.33TCr	714.3Cr	2.26TCr	7.3TCr	8.8TCr
Cash Income Tax Paid (Refund)	479.7Cr	402.8Cr	373.3Cr	572.7Cr	579.8Cr
Net Debt Issued / Repaid	3.07TCr	-1.41TCr	7.79TCr	6.69TCr	-618.6Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.53	0.97	0.64	0.39	0.54
Return On Equity %	5.64	10.93	7.5	4.6	6.18
Return on Common Equity	5.57	11.43	7.63	4.24	6.05
Shareholders Value Added	-984.74Cr	54Cr	-671.33Cr	-1.21TCr	-949.49Cr
Margin Analysis
SG&A Margin	56.79	49.03	55.44	59.74	60.44
Net Interest Income / Total Revenues %	74.61	56.67	68.97	77.65	75.8
EBT Excl. Non-Recurring Items Margin %	23.35	36.63	26.65	19.36	24.56
Income From Continuing Operations Margin %	19.03	29.36	21.49	13.27	17.99
Net Income Margin %	18.93	29.27	21.04	13.05	17.77
Net Avail. For Common Margin %	16.96	27.67	19.74	11.1	16.06
Normalized Net Income Margin	14.53	22.8	16.53	11.89	15.14
Asset quality
Nonperforming Loans / Total Loans %	0.84	0.51	0.37	0.46	0.39
Nonperforming Loans / Total Assets %	0.25	0.15	0.1	0.13	0.11
Nonperforming Assets / Total Assets %	0.25	0.15	0.1	0.13	0.11
NPAs / Loans and OREO	0.84	0.51	0.37	0.47	0.39
NPAs / Equity	2.85	1.68	1.22	1.57	1.29
Allowance for Credit Losses / Net Charge-offs %	327.89	336.16	447.98	281.89	206.38
Allowance for Credit Losses / Nonperforming Loans %	440.3	486.98	695.94	567.56	691.25
Allowance for Credit Losses / Total Loans %	3.69	2.46	2.58	2.63	2.67
Net Charge-offs / Total Average Loans %	1.11	0.73	0.58	0.97	1.32
Provision for Loan Losses / Net Charge-offs %	209.2	-63.39	125.23	120.96	108.07
Earning Assets / IBL	122.46	124.52	125.03	123.99	123.68
Interest Income / Average Assets	2.61	2.15	3.11	5.46	5.82
Interest Expense / Average Assets	0.65	0.34	1.07	3.21	3.63
Net Interest Income / Average Assets	1.96	1.81	2.03	2.25	2.19
Non Interest Income / Average Assets	1.38	1.25	1.11	0.97	1.09
Non Interest Expense / Average Asset	2.01	2.02	2.16	2.33	2.18
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.44	7.97	7.76	7.66	7.95
Total Average Equity / Total Average Assets %	9.36	8.85	8.59	8.45	8.72
Total Equity + Allowance for Loan Losses / Total Loans %	33.16	32.67	33.15	32.39	32.67
Gross Loans / Total Deposits %	52.84	50.76	48.17	52.75	54.14
Net Loans / Total Deposits %	50.83	49.45	46.87	51.29	52.62
Tier 1 Capital Ratio %	13.31	13.91	13.85	13.6	13.63
Total Capital Ratio %	15.61	16.72	15.46	15.13	15.42
Core Tier 1 Capital Ratio	11.73	12.25	12.19	12.11	12.14
Tier 2 Capital Ratio	2.3	2.81	1.61	1.53	1.78
Equity Tier 1 Capital Ratio	12.22	12.88	12.95	12.93	13.1
Coverage Ratio	299.74	296.06	419.84	935.31	1.23T
Leverage Ratio %	7.37	7.21	7.06	7.2	7.17
Interbank Ratio	303.17	337.78	369.37	220.7	-
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.94	4.44	1.73	1.16	1.19
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-8.02	-5.04	14.53	12.81	-1.47
Non Interest Income, 1 Yr. Growth %	14.12	-4.39	-9.38	-11.45	14.45
Provision For Loan Losses, 1 Yr. Growth %	93.75	-119.49	-252.92	64.09	24.92
Total Revenues, 1 Yr. Growth %	-11.65	25.88	-5.91	0.2	0.94
Earnings From Cont. Operations, 1 Yr. Growth %	-42.96	98.24	-31.12	-38.13	36.8
Net Income, 1 Yr. Growth %	-43.06	98.71	-32.38	-37.84	37.43
Normalized Net Income, 1 Yr. Growth %	-42.98	101.59	-31.76	-27.96	14.12
Diluted EPS Before Extra, 1 Yr. Growth %	-41.15	114.37	-29.86	-43.16	47.03
Dividend Per Share, 1 Yr. Growth %	6.25	0	0	1.96	4.81
Gross Loans, 1 Yr. Growth %	-3.37	-1.21	-1.57	4.9	0.75
Allowance For Loan Losses, 1 Yr. Growth %	95.23	-34.06	3.15	6.9	2.36
Net Loans, 1 Yr. Growth %	-5.21	0.06	-1.7	4.84	0.7
Non Performing Loans, 1 Yr. Growth %	41.56	-40.38	-27.82	31.08	-15.95
Non Performing Assets, 1 Yr. Growth %	40.49	-40.36	-27.95	31.74	-16.33
Total Assets, 1 Yr. Growth %	15.83	1.39	5.47	-0.2	-2.44
Total Deposits, 1 Yr Growth %	19.62	2.85	3.7	-4.19	-1.85
Tangible Book Value, 1 Yr. Growth %	3.08	2.74	0.73	3.33	2.25
Average Interest Earning Assets, 1 Yr. Growth %	12.72	5.87	1.34	2.84	1.22
Average Interest Bearing Liabilities, 1 Yr. Growth %	13.87	4.12	0.93	3.69	1.47
Common Equity, 1 Yr. Growth %	2.68	1.68	-0.43	3.11	1.54
Total Equity, 1 Yr. Growth %	3.22	1.23	-0.41	2.19	1.51
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-3.29	-6.04	4.28	13.66	5.43
Non Interest Income, 2 Yr. CAGR %	8.13	4.46	-6.92	-10.42	0.67
Provision For Loan Losses, 2 Yr. CAGR %	47.14	-38.55	-45.41	58.4	43.17
Total Revenues, 2 Yr. CAGR %	-5.6	5.91	8.83	-2.9	0.57
Earnings From Cont. Operations, 2 Yr. CAGR %	-21.64	6.34	16.85	-34.72	-8
Net Income, 2 Yr. CAGR %	-21.76	6.37	15.92	-35.16	-7.57
Normalized Net Income, 2 Yr. CAGR %	-23.84	7.21	17.29	-29.89	-3.68
Diluted EPS Before Extra, 2 Yr. CAGR %	-15.91	12.32	22.62	-36.85	-8.58
Dividend Per Share, 2 Yr. CAGR %	15.09	3.08	0	0.98	3.37
Gross Loans, 2 Yr. CAGR %	-0.61	-2.29	-1.39	1.61	2.81
Allowance For Loan Losses, 2 Yr. CAGR %	42.35	13.46	-17.53	5.01	4.61
Net Loans, 2 Yr. CAGR %	-1.57	-2.61	-0.82	1.52	2.75
Non Performing Loans, 2 Yr. CAGR %	26.59	-8.14	-34.4	-2.73	4.96
Non Performing Assets, 2 Yr. CAGR %	25.33	-8.46	-34.45	-2.57	4.99
Total Assets, 2 Yr. CAGR %	8.57	8.37	3.41	2.59	-1.33
Total Deposits, 2 Yr CAGR %	12.43	10.92	3.28	-0.33	-3.03
Tangible Book Value, 2 Yr. CAGR %	0.76	2.91	1.73	2.02	2.79
Average Interest Earning Assets, 2 Yr. CAGR %	7.83	9.24	3.58	2.08	2.02
Average Interest Bearing Liabilities, 2 Yr. CAGR %	9.83	8.89	2.51	2.3	2.58
Common Equity, 2 Yr. CAGR %	0.62	2.18	0.62	1.32	2.32
Total Equity, 2 Yr. CAGR %	0.79	2.22	0.41	0.88	1.85
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-1.13	-3	0.37	7.05	8.38
Non Interest Income, 3 Yr. CAGR %	3.52	3.79	-0.38	-8.45	-2.8
Provision For Loan Losses, 3 Yr. CAGR %	28.51	-25	-16.73	-21.22	46.35
Total Revenues, 3 Yr. CAGR %	-3.66	4.61	1.82	5.87	-1.64
Earnings From Cont. Operations, 3 Yr. CAGR %	18.78	6.77	-7.99	-5.47	-16.46
Net Income, 3 Yr. CAGR %	17.57	6.75	-8.54	-5.82	-16.71
Normalized Net Income, 3 Yr. CAGR %	-16.13	5.36	-7.78	-0.3	-14.19
Diluted EPS Before Extra, 3 Yr. CAGR %	17.16	14.87	-3.99	-5.1	-16.31
Dividend Per Share, 3 Yr. CAGR %	28.56	9.83	2.04	0.65	2.24
Gross Loans, 3 Yr. CAGR %	0.44	-0.81	-2.05	0.66	1.32
Allowance For Loan Losses, 3 Yr. CAGR %	26.41	10.14	9.91	-10.08	4.12
Net Loans, 3 Yr. CAGR %	-0.19	-1.03	-2.31	1.03	1.24
Non Performing Loans, 3 Yr. CAGR %	6.96	-1.51	-15.23	-17.38	-7.35
Non Performing Assets, 3 Yr. CAGR %	6.14	-2.15	-15.48	-17.28	-7.39
Total Assets, 3 Yr. CAGR %	7.05	6.12	7.39	2.19	0.89
Total Deposits, 3 Yr CAGR %	10.09	9.14	8.46	0.72	-0.84
Tangible Book Value, 3 Yr. CAGR %	-0.27	1.42	2.18	2.26	2.1
Average Interest Earning Assets, 3 Yr. CAGR %	6.62	7.17	6.54	3.33	1.79
Average Interest Bearing Liabilities, 3 Yr. CAGR %	8.57	7.9	6.16	2.9	2.02
Common Equity, 3 Yr. CAGR %	-0.28	0.97	1.3	1.44	1.4
Total Equity, 3 Yr. CAGR %	-0.24	0.94	1.34	1	1.09
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-1.36	-1.35	1.55	3.35	2.37
Non Interest Income, 5 Yr. CAGR %	0.68	3.03	-0.79	-2.15	0.04
Provision For Loan Losses, 5 Yr. CAGR %	17.5	-14.39	-8.76	1.15	3.43
Total Revenues, 5 Yr. CAGR %	-3.36	3.2	1.57	1.54	1.32
Earnings From Cont. Operations, 5 Yr. CAGR %	-8.57	7.93	18.01	-12.3	-8
Net Income, 5 Yr. CAGR %	-8.52	8.04	16.91	-12.55	-8.15
Normalized Net Income, 5 Yr. CAGR %	-11.28	5.05	-4.09	-10.48	-6.19
Diluted EPS Before Extra, 5 Yr. CAGR %	-2.69	16.43	19.32	-9.58	-5.85
Dividend Per Share, 5 Yr. CAGR %	66.38	37.18	16.27	6.2	2.57
Gross Loans, 5 Yr. CAGR %	1.82	1.35	-0.29	0.15	-0.14
Allowance For Loan Losses, 5 Yr. CAGR %	14.6	6.41	6.56	8.06	7.76
Net Loans, 5 Yr. CAGR %	1.47	1.24	-0.44	-0.02	-0.32
Non Performing Loans, 5 Yr. CAGR %	1.53	-9.54	-12.04	-2	-7.67
Non Performing Assets, 5 Yr. CAGR %	0.89	-9.99	-12.47	-2.32	-7.82
Total Assets, 5 Yr. CAGR %	5.48	5.04	5.58	4.7	3.82
Total Deposits, 5 Yr CAGR %	7.12	7.22	7.31	5.25	3.71
Tangible Book Value, 5 Yr. CAGR %	-3.05	-2.53	0.52	1.66	2.42
Average Interest Earning Assets, 5 Yr. CAGR %	4.76	6.12	5.39	5.11	4.71
Average Interest Bearing Liabilities, 5 Yr. CAGR %	5.79	7.27	6.11	5.62	4.71
Common Equity, 5 Yr. CAGR %	-2.58	-2.33	0.08	1.11	1.71
Total Equity, 5 Yr. CAGR %	-2.14	-2.17	0.02	0.91	1.54