Financial Ratios Commonwealth Bank of Australia

Equities

CBA

AU000000CBA7

Banks

Market Closed - Australian S.E. Other stock markets 10:43:07 19/01/2026 am IST			5-day change	1st Jan Change
153.26 ^AUD	-0.67%		+0.03%	-4.55%

08:51am	Australian, NZ dollars wobble as Trump's Greenland tariffs hit sentiment	RE
16/01	Financial stocks push Australian shares to near 3-month highs	RE

0340f60cfe11d5fec0eea2.1Q5ZprLTfZqWCjN-cmmmnnQ3jhkjwureneyMCA__zx0.h0EtnvC_TeP6eksKCibk2k0DxWhymLuypIfOf0CLhyWROgjJ2740_sc9ag

Published financial data: COMMONWEALTH BANK OF AUSTRALIA

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: June	2021	2022	2023	2024	2025
Interest Income On Loans	2.44TCr	2.4TCr	4.32TCr	5.74TCr	6.14TCr
Interest Income On Investments	21Cr	31Cr	129.3Cr	364.7Cr	369Cr
Interest Income, Total	2.47TCr	2.43TCr	4.45TCr	6.1TCr	6.51TCr
Interest On Deposits	581.9Cr	482Cr	2.14TCr	3.82TCr	4.11TCr
Interest Expense, Total	581.9Cr	482Cr	2.14TCr	3.82TCr	4.11TCr
Net Interest Income	1.88TCr	1.95TCr	2.31TCr	2.28TCr	2.4TCr
Trust Income	16Cr	14Cr	-	-	-
Income From Trading Activities	-	-	-	112.5Cr	-
Gain (Loss) on Sale of Assets	-40L	1.2Cr	-40L	-20L	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-	-	-	-	-
Income (Loss) on Equity Invest. (Income Block)	60Cr	101.2Cr	11Cr	-9.5Cr	-14Cr
Total Other Non Interest Income	492.7Cr	444.3Cr	437.1Cr	306.9Cr	441.2Cr
Non Interest Income, Total	568.7Cr	560.2Cr	448Cr	409.7Cr	426.7Cr
Revenues Before Provison For Loan Losses	2.45TCr	2.51TCr	2.75TCr	2.69TCr	2.83TCr
Provision For Loan Losses	55Cr	-36Cr	110.8Cr	80Cr	73Cr
Total Revenues	2.4TCr	2.54TCr	2.64TCr	2.61TCr	2.76TCr
Salaries And Other Employee Benefits	594.8Cr	647.1Cr	711.6Cr	735.8Cr	781.5Cr
Stock-Based Compensation (IS)	10Cr	11Cr	12Cr	13Cr	16Cr
Amort. of Goodwill & Intang. Assets	54Cr	37Cr	40Cr	68Cr	68Cr
Occupancy Expense	115.8Cr	98Cr	95Cr	100Cr	96Cr
Selling General & Admin Expenses, Total	258.5Cr	266.5Cr	249.5Cr	239.2Cr	259.7Cr
Total Other Non Interest Expense	102.4Cr	65Cr	78Cr	66Cr	78Cr
Non Interest Expense, Total	1.14TCr	1.12TCr	1.19TCr	1.22TCr	1.3TCr
EBT, Excl. Unusual Items	1.26TCr	1.42TCr	1.46TCr	1.39TCr	1.46TCr
Restructuring Charges	-13Cr	-18Cr	-22Cr	-12Cr	-1.9Cr
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-12Cr	-32Cr	-60L	-	-
Legal Settlements	-	-	-	-	-
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	1.24TCr	1.37TCr	1.43TCr	1.38TCr	1.45TCr
Income Tax Expense	353.2Cr	401.1Cr	415.5Cr	430.1Cr	441.6Cr
Earnings From Continuing Operations	884.3Cr	967.3Cr	1.02TCr	948.1Cr	1.01TCr
Earnings Of Discontinued Operations	133.8Cr	109.8Cr	-9.8Cr	-8.7Cr	-1.7Cr
Net Income to Company	1.02TCr	1.08TCr	1.01TCr	939.4Cr	1.01TCr
Minority Interest	-	-	-	-	-
Net Income - (IS)	1.02TCr	1.08TCr	1.01TCr	939.4Cr	1.01TCr
Preferred Dividend and Other Adjustments	-	-	-	-	-
Net Income to Common Incl Extra Items	1.02TCr	1.08TCr	1.01TCr	939.4Cr	1.01TCr
Net Income to Common Excl. Extra Items	884.3Cr	967.3Cr	1.02TCr	948.1Cr	1.01TCr
Per Share Items
Net EPS - Basic	5.75	6.25	5.97	5.62	6.05
Basic EPS - Continuing Operations	4.99	5.62	6.03	5.67	6.06
Basic Weighted Average Shares Outstanding	177.1Cr	172.2Cr	169Cr	167.3Cr	167.2Cr
Net EPS - Diluted	5.4	6.01	5.84	5.58	6.04
Diluted EPS - Continuing Operations	4.71	5.41	5.89	5.63	6.05
Diluted Weighted Average Shares Outstanding	193.4Cr	183.3Cr	180Cr	178.4Cr	167.5Cr
Normalized Basic EPS	4.45	5.15	5.39	5.19	5.45
Normalized Diluted EPS	4.08	4.84	5.06	4.87	5.44
Dividend Per Share	3.5	3.85	4.5	4.65	4.85
Payout Ratio	40.59	60.67	70.54	81.15	78.58
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	28.54	29.31	28.97	31.21	30.35
Current Domestic Taxes	312.2Cr	304.5Cr	358.3Cr	349.7Cr	372.1Cr
Current Foreign Taxes	57Cr	73Cr	70Cr	67Cr	72Cr
Total Current Taxes	369Cr	377.2Cr	428Cr	416.3Cr	443.9Cr
Deferred Domestic Taxes	-12Cr	21Cr	-12Cr	14Cr	70L
Deferred Foreign Taxes	-3.9Cr	2.6Cr	-70L	-60L	-3Cr
Total Deferred Taxes	-16Cr	24Cr	-12Cr	14Cr	-2.3Cr
Normalized Net Income	788.88Cr	886.62Cr	910.62Cr	868.81Cr	910.5Cr
Non-Cash Pension Expense	-1.5Cr	-1.3Cr	-2.6Cr	-3.1Cr	-2.1Cr
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	10Cr	11Cr	12Cr	13Cr	16Cr
Total Stock-Based Compensation	10Cr	11Cr	12Cr	13Cr	16Cr

Fiscal Period: June	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	8.74TCr	12TCr	11TCr	4.73TCr	5.44TCr
Investment Securities, Total	10TCr	12TCr	14TCr	18TCr	19TCr
Trading Asset Securities, Total	5.81TCr	6.1TCr	5.25TCr	5.1TCr	7.16TCr
Mortgage Backed Securities	427.8Cr	321.7Cr	203.2Cr	123.9Cr	63Cr
Total investments	17TCr	19TCr	19TCr	23TCr	26TCr
Gross Loans	82TCr	88TCr	93TCr	95TCr	1,01600Cr
Allowance For Loan Losses	-610Cr	-523Cr	-579.1Cr	-591.2Cr	-617.3Cr
Other Adjustments to Gross Loans	-81Cr	-88Cr	-137.8Cr	-182.6Cr	-195.4Cr
Net Loans	81TCr	88TCr	93TCr	94TCr	1,00800Cr
Gross Property Plant And Equipment	922.8Cr	926.4Cr	970.1Cr	780.9Cr	-
Accumulated Depreciation	-394.4Cr	-437.7Cr	-475.1Cr	-413.3Cr	-
Net Property Plant And Equipment	528.4Cr	488.7Cr	495Cr	367.6Cr	356.3Cr
Goodwill	531.7Cr	529.5Cr	529.5Cr	528.5Cr	528.9Cr
Other Intangibles, Total	162.5Cr	160.4Cr	209.8Cr	231.5Cr	279.3Cr
Accrued Interest Receivable	168.9Cr	199Cr	381.1Cr	444.6Cr	450.1Cr
Other Receivables	214.5Cr	145.8Cr	143.4Cr	117.1Cr	155Cr
Restricted Cash	416.5Cr	588.5Cr	524.3Cr	507.3Cr	648.2Cr
Other Current Assets, Total	166.6Cr	181.2Cr	55Cr	149.9Cr	86Cr
Deferred Tax Assets Long-Term (Collected)	206.7Cr	317.3Cr	381.1Cr	377.1Cr	259.9Cr
Other Long-Term Assets, Total	363.8Cr	299.3Cr	242.8Cr	477.5Cr	502.8Cr
Total Assets	1,09200Cr	1,21500Cr	1,25300Cr	1,25400Cr	1,35400Cr
Liabilities
Accrued Expenses, Total	202.9Cr	395.8Cr	433.9Cr	435.3Cr	479.3Cr
Interest Bearing Deposits	63TCr	68TCr	74TCr	77TCr	81TCr
Institutional Deposits	-	-	-	-	-
Non-Interest Bearing Deposits	11TCr	14TCr	12TCr	11TCr	12TCr
Total Deposits	75TCr	82TCr	86TCr	88TCr	93TCr
Short-Term Borrowings	4.07TCr	8.77TCr	7.07TCr	9.04TCr	11TCr
Current Portion of Long-Term Debt	4.56TCr	4.23TCr	3.83TCr	4.28TCr	5.45TCr
Current Portion of Leases	49Cr	49Cr	48Cr	45Cr	46Cr
Long-Term Debt	16TCr	16TCr	18TCr	14TCr	15TCr
Long-Term Leases	268.1Cr	244.1Cr	225.1Cr	200.8Cr	182.1Cr
Current Income Taxes Payable	14Cr	26Cr	67Cr	50Cr	78Cr
Accrued Interest Payable	113.4Cr	147.8Cr	538.2Cr	723.3Cr	664.4Cr
Other Current Liabilities - (Bank / Utility Template)	719.6Cr	1.02TCr	809.4Cr	1.36TCr	1.18TCr
Unearned Revenue Non Current	143.9Cr	91Cr	87Cr	76Cr	78Cr
Pension & Other Post Retirement Benefits	114Cr	108.6Cr	107.7Cr	111.2Cr	112.4Cr
Deferred Tax Liability Non-Current	23Cr	15Cr	14Cr	11Cr	6.4Cr
Other Non Current Liabilities	296.5Cr	302.8Cr	240.6Cr	242.7Cr	334.1Cr
Total Liabilities	1,01300Cr	1,14200Cr	1,18100Cr	1,18100Cr	1,27500Cr
Common Stock, Total	3.85TCr	3.66TCr	3.41TCr	3.38TCr	3.38TCr
Retained Earnings	3.7TCr	3.68TCr	3.98TCr	4.16TCr	4.4TCr
Treasury Stock	-13Cr	-14Cr	-16Cr	-16Cr	-22Cr
Comprehensive Income and Other	324.9Cr	-46Cr	-171Cr	-214.7Cr	124.2Cr
Total Common Equity	7.87TCr	7.28TCr	7.2TCr	7.31TCr	7.88TCr
Minority Interest	50L	50L	50L	-	-
Total Equity	7.87TCr	7.28TCr	7.2TCr	7.31TCr	7.88TCr
Total Liabilities And Equity	1,09200Cr	1,21500Cr	1,25300Cr	1,25400Cr	1,35400Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	177.24Cr	169.99Cr	167.45Cr	167.21Cr	167.18Cr
ECS Total Common Shares Outstanding	177.24Cr	169.99Cr	167.45Cr	167.21Cr	167.18Cr
Book Value / Share	44.41	42.84	43	43.71	47.12
Tangible Book Value	7.18TCr	6.59TCr	6.46TCr	6.55TCr	7.07TCr
Tangible Book Value Per Share	40.49	38.79	38.58	39.17	42.29
Tangible Book Value Per Share (As Reported)	40.1	38.7	38.5	39.1	42.2
Average Assets	1,04000Cr	1,14900Cr	1,23400Cr	1,26700Cr	1,29200Cr
Average Loans	74TCr	78TCr	84TCr	85TCr	89TCr
Total Debt	25TCr	30TCr	29TCr	27TCr	32TCr
Deposits at Interest - Cash	4.2Cr	-	-	-	-
Debt Equivalent of Unfunded Proj. Benefit Obligation	-52Cr	-58Cr	-65Cr	-44Cr	-60Cr
Net Debt	9.18TCr	7.48TCr	8.52TCr	9.16TCr	11TCr
Equity Method Investments, Total	394.1Cr	280.1Cr	284.8Cr	167.1Cr	82Cr
Full Time Employees	44.38T	49.24T	32.23T	32.26T	48.58T
Part Time Employees	-	-	6.66T	6.76T	6.44T
Number Of Offices	-	-	-	-	-

Fiscal Period: June	2021	2022	2023	2024	2025
Net Income	1.02TCr	1.08TCr	1.01TCr	939.4Cr	1.01TCr
Depreciation, Depletion & Amortization	142.6Cr	82Cr	71Cr	81Cr	72Cr
Amortization of Goodwill and Intangible Assets - (CF)	-	-	-	-	-
Total Depreciation, Depletion & Amortization	142.6Cr	82Cr	71Cr	81Cr	72Cr
Amortization of Deferred Charges, Total	-	37Cr	40Cr	68Cr	68Cr
(Gain) Loss On Sale of Asset - (CF)	-84Cr	-209.1Cr	-29Cr	22Cr	-
(Gain) Loss on Sale of Investments - (CF)	-4Cr	-80L	70L	2.5Cr	-10L
Total Asset Writedown	-	32Cr	60L	-	-
Provision for Credit Losses	55Cr	-36Cr	110.8Cr	80Cr	73Cr
(Income) Loss On Equity Investments - (CF)	-58Cr	-50Cr	-11Cr	9.5Cr	9Cr
Change in Trading Asset Securities	-91Cr	1.46TCr	-3.69TCr	-1.1TCr	-121.1Cr
Changes in Accrued Interest Receivable	21Cr	-16Cr	-179.5Cr	-64Cr	-60Cr
Changes in Accrued Interest Payable	-59Cr	32Cr	387.6Cr	184.6Cr	1.7Cr
Change In Income Taxes	-76Cr	9.7Cr	40Cr	-18Cr	27Cr
Change In Deferred Taxes	24Cr	-114Cr	-64Cr	3.9Cr	-14Cr
Change in Other Net Operating Assets (Collected)	-2.86TCr	-8.1TCr	-2.34TCr	-4.99TCr	-7.02TCr
Other Operating Activities	-14Cr	145.7Cr	-24Cr	-34Cr	-78Cr
Net Cash From Discontinued Operations	-	-	-	-	-
Cash from Operations	-1.99TCr	-5.65TCr	-4.68TCr	-4.82TCr	-6.03TCr
Capital Expenditure	-24Cr	-23Cr	-68Cr	-40Cr	-48Cr
Sale of Property, Plant, and Equipment	5.7Cr	11Cr	7.4Cr	2.5Cr	104.1Cr
Cash Acquisitions	-6.1Cr	-	-	-90L	-
Divestitures	68Cr	197.5Cr	57Cr	12Cr	-
Purchase / Sale of Intangible Assets	-53Cr	-75Cr	-88Cr	-92Cr	-115.8Cr
Investment in Marketable and Equity Securities, Total	83Cr	153.3Cr	-4.1Cr	-2.5Cr	13Cr
Other Investing Activities, Total	13Cr	3Cr	9.5Cr	9.4Cr	14Cr
Cash from Investing	87Cr	266.9Cr	-87Cr	-111.4Cr	-33Cr
Long-Term Debt Issued, Total	7.5TCr	7.17TCr	5.95TCr	5.76TCr	8.93TCr
Total Debt Issued	7.5TCr	7.17TCr	5.95TCr	5.76TCr	8.93TCr
Long-Term Debt Repaid, Total	-5.26TCr	-5.29TCr	-5.35TCr	-8.29TCr	-7.36TCr
Total Debt Repaid	-5.26TCr	-5.29TCr	-5.35TCr	-8.29TCr	-7.36TCr
Issuance of Common Stock	50L	4.8Cr	-	-	-
Repurchase of Common Stock	-7.1Cr	-654.7Cr	-263.4Cr	-36Cr	-15Cr
Common Dividends Paid	-413.2Cr	-653.5Cr	-711.7Cr	-762.3Cr	-794.9Cr
Common & Preferred Stock Dividends Paid	-413.2Cr	-653.5Cr	-711.7Cr	-762.3Cr	-794.9Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	6.12TCr	7.97TCr	3.84TCr	2.25TCr	5.95TCr
Other Financing Activities, Total	15Cr	-	-	-	-
Cash from Financing	7.95TCr	8.54TCr	3.46TCr	-1.07TCr	6.71TCr
Foreign Exchange Rate Adjustments	-46Cr	36Cr	83Cr	14Cr	62Cr
Net Change in Cash	6TCr	3.2TCr	-1.22TCr	-5.99TCr	706Cr
Supplemental Items
Cash Interest Paid	642.4Cr	443.2Cr	1.82TCr	3.48TCr	4.04TCr
Cash Income Tax Paid (Refund)	367.2Cr	353Cr	387.1Cr	430.8Cr	419.7Cr
Net Debt Issued / Repaid	2.24TCr	1.87TCr	600.3Cr	-2.53TCr	1.57TCr

Fiscal Period: June	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.84	0.84	0.83	0.76	0.78
Return On Equity %	11.74	12.77	14.07	13.1	13.34
Return on Common Equity	11.74	12.77	14.07	13.1	13.34
Shareholders Value Added	122.1Cr	179.32Cr	153.81Cr	79Cr	101.6Cr
Margin Analysis
SG&A Margin	40.43	39.77	39.96	41.14	41.25
Net Interest Income / Total Revenues %	78.59	76.57	87.24	87.38	87.15
EBT Excl. Non-Recurring Items Margin %	52.65	55.78	55.13	53.22	52.85
Income From Continuing Operations Margin %	36.89	38.03	38.55	36.3	36.76
Net Income Margin %	42.47	42.35	38.18	35.97	36.7
Net Avail. For Common Margin %	36.89	38.03	38.55	36.3	36.76
Normalized Net Income Margin	32.91	34.86	34.46	33.26	33.03
Asset quality
Nonperforming Loans / Total Loans %	0.28	0.17	0.8	0.99	1.05
Nonperforming Loans / Total Assets %	0.21	0.12	0.59	0.75	0.79
Nonperforming Assets / Total Assets %	0.21	0.12	0.59	0.75	0.79
NPAs / Loans and OREO	0.28	0.17	0.8	0.99	1.05
NPAs / Equity	2.89	2.07	10.33	12.87	13.58
Allowance for Credit Losses / Net Charge-offs %	837.91	937.28	1.01T	929.56	1.01T
Allowance for Credit Losses / Nonperforming Loans %	267.9	347.05	77.87	62.85	57.72
Allowance for Credit Losses / Total Loans %	0.75	0.59	0.62	0.62	0.61
Net Charge-offs / Total Average Loans %	0.1	0.07	0.07	0.07	0.07
Provision for Loan Losses / Net Charge-offs %	76.1	-63.98	192.36	126.1	118.82
Earning Assets / IBL	119.68	122	120.96	117.8	117.46
Interest Income / Average Assets	2.37	2.11	3.6	4.82	5.04
Interest Expense / Average Assets	0.56	0.42	1.74	3.02	3.18
Net Interest Income / Average Assets	1.81	1.7	1.87	1.8	1.86
Non Interest Income / Average Assets	0.55	0.49	0.36	0.32	0.33
Non Interest Expense / Average Asset	1.09	0.98	0.96	0.96	1.01
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.15	6.57	5.87	5.77	5.82
Total Average Equity / Total Average Assets %	7.15	6.57	5.87	5.77	5.82
Total Equity + Allowance for Loan Losses / Total Loans %	10.36	8.82	8.34	8.32	8.36
Gross Loans / Total Deposits %	109.53	107.34	107.95	108.05	109.23
Net Loans / Total Deposits %	108.61	106.6	107.13	107.17	108.35
Tier 1 Capital Ratio %	15.7	13.6	14.5	14.3	13.9
Total Capital Ratio %	19.8	17.6	20	20.9	20.9
Core Tier 1 Capital Ratio	13.1	11.5	12.2	12.3	12.3
Tier 2 Capital Ratio	4.1	4	5.5	6.6	7
Coverage Ratio	181.55	179.05	174.11	151.59	57.72
Interbank Ratio	89.28	120.89	140.43	169.91	156.1
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	3.13	3.84	1.67	1.36	1.35
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	1.23	0.89	18.4	-1.01	5.25
Non Interest Income, 1 Yr. Growth %	5.16	7.24	-16.96	-6.42	4.15
Provision For Loan Losses, 1 Yr. Growth %	-78	-164.44	-410.36	-27.62	-9.48
Total Revenues, 1 Yr. Growth %	11.5	6.09	4.77	-0.79	5.53
Earnings From Cont. Operations, 1 Yr. Growth %	19.69	9.39	5.32	-6.09	6.88
Net Income, 1 Yr. Growth %	6.14	5.8	-6.32	-6.04	7.69
Normalized Net Income, 1 Yr. Growth %	17.55	12.39	5.6	-3.92	4.8
Diluted EPS Before Extra, 1 Yr. Growth %	16.17	15.04	8.82	-3.65	7.54
Dividend Per Share, 1 Yr. Growth %	17.45	10	16.88	3.33	4.3
Gross Loans, 1 Yr. Growth %	4.89	8.15	5.46	1.79	6.94
Allowance For Loan Losses, 1 Yr. Growth %	-2.31	-14.26	10.73	2.09	4.41
Net Loans, 1 Yr. Growth %	4.96	8.32	5.37	1.74	6.96
Non Performing Loans, 1 Yr. Growth %	-14.69	-33.82	2.99	26.48	13.7
Non Performing Assets, 1 Yr. Growth %	-14.69	-33.82	2.99	26.48	13.7
Total Assets, 1 Yr. Growth %	7.53	11.29	3.09	0.13	7.95
Total Deposits, 1 Yr Growth %	8.8	10.36	4.86	1.7	5.79
Tangible Book Value, 1 Yr. Growth %	10.35	-8.09	-2.01	1.95	7.95
Average Interest Earning Assets, 1 Yr. Growth %	3.61	10.44	8.21	2.98	0.82
Average Interest Bearing Liabilities, 1 Yr. Growth %	0.65	8.33	9.14	5.75	1.11
Common Equity, 1 Yr. Growth %	9.43	-7.43	-1.14	2.04	7.78
Total Equity, 1 Yr. Growth %	9.42	-7.43	-1.14	2.03	7.78
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	1.67	1.2	9.29	8.26	2.08
Non Interest Income, 2 Yr. CAGR %	3.77	6.8	-4.42	-12.12	-1.21
Provision For Loan Losses, 2 Yr. CAGR %	-32.08	-62.35	41.42	49.88	-19.05
Total Revenues, 2 Yr. CAGR %	3.67	8.99	5.71	1.94	2.34
Earnings From Cont. Operations, 2 Yr. CAGR %	4.78	14.42	7.34	-0.58	0.18
Net Income, 2 Yr. CAGR %	9.02	5.97	-0.45	-6.26	0.59
Normalized Net Income, 2 Yr. CAGR %	5.87	15.43	7.96	0.71	0.37
Diluted EPS Before Extra, 2 Yr. CAGR %	3.32	15.6	11.89	2.37	1.79
Dividend Per Share, 2 Yr. CAGR %	-9.89	13.66	13.39	9.9	3.82
Gross Loans, 2 Yr. CAGR %	3.69	6.51	6.8	3.61	4.33
Allowance For Loan Losses, 2 Yr. CAGR %	13.74	-8.48	-2.57	6.32	3.25
Net Loans, 2 Yr. CAGR %	3.65	6.63	6.84	3.54	4.32
Non Performing Loans, 2 Yr. CAGR %	-8.76	-24.86	80.72	14.13	19.92
Non Performing Assets, 2 Yr. CAGR %	-8.76	-24.86	80.72	14.13	19.92
Total Assets, 2 Yr. CAGR %	5.75	9.4	7.11	1.58	3.97
Total Deposits, 2 Yr CAGR %	9.49	9.57	7.57	3.27	3.72
Tangible Book Value, 2 Yr. CAGR %	7.92	0.68	-5.1	-0.34	4.91
Average Interest Earning Assets, 2 Yr. CAGR %	3.3	6.97	9.32	5.56	1.89
Average Interest Bearing Liabilities, 2 Yr. CAGR %	1.04	4.42	8.74	7.43	3.4
Common Equity, 2 Yr. CAGR %	6.35	0.62	-4.34	0.17	4.87
Total Equity, 2 Yr. CAGR %	6.31	0.62	-4.34	0.17	4.87
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	0.67	2.23	6.63	5.75	7.25
Non Interest Income, 3 Yr. CAGR %	-0.96	1.99	-3.02	-5.82	-7
Provision For Loan Losses, 3 Yr. CAGR %	-19.93	-33.26	-23.94	13.12	26.69
Total Revenues, 3 Yr. CAGR %	1.04	4.47	7.27	3.36	3.12
Earnings From Cont. Operations, 3 Yr. CAGR %	0.38	6.3	11.31	2.35	1.85
Net Income, 3 Yr. CAGR %	2.96	7.93	1.7	-2.65	-1.82
Normalized Net Income, 3 Yr. CAGR %	-1.82	8	11.03	3.6	2.05
Diluted EPS Before Extra, 3 Yr. CAGR %	-1.04	7.08	13.3	6.14	4.06
Dividend Per Share, 3 Yr. CAGR %	-6.7	-3.69	14.73	9.93	8
Gross Loans, 3 Yr. CAGR %	3.04	5.16	6.16	5.1	4.71
Allowance For Loan Losses, 3 Yr. CAGR %	19.16	3.52	-2.48	-1.04	5.68
Net Loans, 3 Yr. CAGR %	2.96	5.19	6.21	5.11	4.67
Non Performing Loans, 3 Yr. CAGR %	-1.82	-18.02	40.72	60.45	13.99
Non Performing Assets, 3 Yr. CAGR %	-1.82	-18.02	40.72	60.45	13.99
Total Assets, 3 Yr. CAGR %	3.84	7.56	7.25	4.72	3.66
Total Deposits, 3 Yr CAGR %	6.66	9.78	7.98	5.58	4.1
Tangible Book Value, 3 Yr. CAGR %	7.23	2.28	-0.22	-2.99	2.35
Average Interest Earning Assets, 3 Yr. CAGR %	2.56	5.63	7.38	7.16	3.96
Average Interest Bearing Liabilities, 3 Yr. CAGR %	0.76	3.41	5.97	7.73	5.28
Common Equity, 3 Yr. CAGR %	5.36	1.53	0.03	-2.43	2.65
Total Equity, 3 Yr. CAGR %	5.07	1.5	0.03	-2.43	2.65
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	2.25	2.11	4.54	4.6	4.79
Non Interest Income, 5 Yr. CAGR %	-3.39	-4.18	-5.21	-4.95	-2.77
Provision For Loan Losses, 5 Yr. CAGR %	-15.1	-20.08	0.53	-7.76	-22.02
Total Revenues, 5 Yr. CAGR %	1.4	1.69	2.6	3.21	5.18
Earnings From Cont. Operations, 5 Yr. CAGR %	-0.27	0.42	3.11	3.32	6.52
Net Income, 5 Yr. CAGR %	2	1.64	1.58	1.86	1.07
Normalized Net Income, 5 Yr. CAGR %	0.4	0.79	1.78	4.3	6.47
Diluted EPS Before Extra, 5 Yr. CAGR %	-1.72	0.32	3.94	5	8.36
Dividend Per Share, 5 Yr. CAGR %	-3.58	-2.14	0.87	1.53	10.23
Gross Loans, 5 Yr. CAGR %	3.13	3.72	4.52	4.53	5.42
Allowance For Loan Losses, 5 Yr. CAGR %	10.41	7.21	9.94	4.63	-0.23
Net Loans, 5 Yr. CAGR %	3.1	3.71	4.49	4.52	5.45
Non Performing Loans, 5 Yr. CAGR %	-2.33	-10.66	25.32	28.02	32
Non Performing Assets, 5 Yr. CAGR %	-2.33	-10.66	25.32	28.02	32
Total Assets, 5 Yr. CAGR %	3.2	4.48	5.14	5.13	5.92
Total Deposits, 5 Yr CAGR %	5.32	5.95	7.02	7.13	6.26
Tangible Book Value, 5 Yr. CAGR %	7.66	4.43	2.11	1.22	1.68
Average Interest Earning Assets, 5 Yr. CAGR %	3.3	4.23	5.21	5.6	5.15
Average Interest Bearing Liabilities, 5 Yr. CAGR %	1.15	2.18	3.88	5	4.94
Common Equity, 5 Yr. CAGR %	5.57	2.91	1.36	0.98	1.83
Total Equity, 5 Yr. CAGR %	5.38	2.73	1.19	0.97	1.83