Cash flow Deutsche Bank AG

Equities

DBK

DE0005140008

Banks

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Published financial data: DEUTSCHE BANK AG

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	1.78TCr	1.66TCr	2.43TCr	4.35TCr	4.9TCr
Interest Income, Total	1.78TCr	1.66TCr	2.43TCr	4.35TCr	4.9TCr
Interest On Deposits	628Cr	544.4Cr	1.06TCr	2.74TCr	3.38TCr
Interest Expense, Total	628Cr	544.4Cr	1.06TCr	2.74TCr	3.38TCr
Net Interest Income	1.15TCr	1.12TCr	1.36TCr	1.61TCr	1.52TCr
Income From Trading Activities	246.5Cr	304.5Cr	299.9Cr	557.5Cr	565.5Cr
Gain (Loss) on Sale of Loans	-	-	-	-	-
Gain (Loss) on Sale of Assets	-5.9Cr	1Cr	40Cr	4.1Cr	3.2Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	65Cr	24Cr	-22Cr	-9.6Cr	3.7Cr
Income (Loss) on Equity Invest. (Income Block)	12Cr	9.8Cr	15Cr	-3.8Cr	1.2Cr
Total Other Non Interest Income	932.9Cr	1.09TCr	1.02TCr	955.2Cr	1.06TCr
Non Interest Income, Total	1.25TCr	1.43TCr	1.36TCr	1.5TCr	1.63TCr
Revenues Before Provison For Loan Losses	2.4TCr	2.54TCr	2.72TCr	3.12TCr	3.15TCr
Provision For Loan Losses	179.2Cr	52Cr	122.6Cr	150.5Cr	183Cr
Total Revenues	2.22TCr	2.49TCr	2.6TCr	2.97TCr	2.97TCr
Salaries And Other Employee Benefits	1.01TCr	992Cr	1.03TCr	1.07TCr	1.12TCr
Selling General & Admin Expenses, Total	989.3Cr	970.7Cr	963Cr	1.02TCr	963.9Cr
Total Other Non Interest Expense	-	20L	-	-	-
Non Interest Expense, Total	2TCr	1.96TCr	1.99TCr	2.09TCr	2.09TCr
EBT, Excl. Unusual Items	224.7Cr	526.7Cr	607.7Cr	878.4Cr	879.5Cr
Restructuring Charges	-98Cr	-126.4Cr	-1.4Cr	-22Cr	30L
Impairment of Goodwill	-	-50L	-	-23Cr	-
Asset Writedown	-9.3Cr	-14Cr	-5.5Cr	-6.5Cr	-9.4Cr
Legal Settlements	-16Cr	-47Cr	-41Cr	-31Cr	-200Cr
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	102.1Cr	338.9Cr	559.5Cr	795.5Cr	670.4Cr
Income Tax Expense	40Cr	88Cr	-6.4Cr	150.3Cr	222.3Cr
Earnings From Continuing Operations	62Cr	250.9Cr	565.9Cr	645.2Cr	448.1Cr
Net Income to Company	62Cr	250.9Cr	565.9Cr	645.2Cr	448.1Cr
Minority Interest	-13Cr	-14Cr	-13Cr	-12Cr	-14Cr
Net Income - (IS)	50Cr	236.5Cr	552.5Cr	633.2Cr	434.2Cr
Preferred Dividend and Other Adjustments	35Cr	36Cr	48Cr	50Cr	57Cr
Net Income to Common Incl Extra Items	15Cr	200.2Cr	504.6Cr	583.4Cr	376.8Cr
Net Income to Common Excl. Extra Items	15Cr	200.2Cr	504.6Cr	583.4Cr	376.8Cr
Per Share Items
Net EPS - Basic	0.07	0.95	2.42	2.83	1.89
Basic EPS - Continuing Operations	0.07	0.95	2.42	2.83	1.89
Basic Weighted Average Shares Outstanding	210.82Cr	209.65Cr	208.49Cr	206.41Cr	199.36Cr
Net EPS - Diluted	0.07	0.93	2.37	2.77	1.85
Diluted EPS - Continuing Operations	0.07	0.93	2.37	2.77	1.85
Diluted Weighted Average Shares Outstanding	217.01Cr	214.32Cr	212.56Cr	210.4Cr	203.93Cr
Normalized Basic EPS	0.6	1.5	1.76	2.6	2.69
Normalized Diluted EPS	0.59	1.47	1.72	2.55	2.63
Dividend Per Share	-	0.2	0.3	0.45	0.68
Payout Ratio	70.5	15.35	16.02	17.5	33.56
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	38.88	25.97	-1.14	18.89	33.16
Total Current Taxes	69Cr	86Cr	79Cr	134Cr	131.4Cr
Total Deferred Taxes	-30Cr	1.9Cr	-85Cr	16Cr	91Cr
Normalized Net Income	127.54Cr	314.79Cr	366.41Cr	537Cr	535.79Cr
Non-Cash Pension Expense	-60L	1.2Cr	90L	-3.9Cr	-2.6Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	37Cr	49Cr	43Cr	48Cr	49Cr
Total Stock-Based Compensation	37Cr	49Cr	43Cr	48Cr	49Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	16TCr	18TCr	17TCr	16TCr	13TCr
Investment Securities, Total	15TCr	14TCr	16TCr	16TCr	22TCr
Trading Asset Securities, Total	46TCr	41TCr	40TCr	38TCr	43TCr
Mortgage Backed Securities	64Cr	71Cr	49Cr	44Cr	41Cr
Total investments	61TCr	54TCr	55TCr	55TCr	66TCr
Gross Loans	43TCr	48TCr	49TCr	49TCr	49TCr
Allowance For Loan Losses	-482.3Cr	-477.9Cr	-484.8Cr	-520.8Cr	-569.7Cr
Other Adjustments to Gross Loans	-	-23Cr	-13Cr	-167.5Cr	-135.2Cr
Net Loans	43TCr	47TCr	48TCr	48TCr	49TCr
Gross Property Plant And Equipment	1.11TCr	1.17TCr	1.29TCr	1.29TCr	1.35TCr
Accumulated Depreciation	-550.9Cr	-620Cr	-676Cr	-669.5Cr	-729.1Cr
Net Property Plant And Equipment	554.9Cr	553.6Cr	610.3Cr	618.5Cr	619.3Cr
Goodwill	273.9Cr	280.5Cr	291.9Cr	284.9Cr	296.3Cr
Other Intangibles, Total	398.6Cr	401.9Cr	417.3Cr	447.8Cr	478.6Cr
Loans Held For Sale	-	-	-	-	-
Accrued Interest Receivable	165.6Cr	208.4Cr	358.8Cr	415.8Cr	457.5Cr
Other Receivables	5.97TCr	4.99TCr	5.2TCr	4.17TCr	4.4TCr
Other Current Assets, Total	2.19TCr	2.32TCr	2.09TCr	3.24TCr	1.85TCr
Deferred Tax Assets Long-Term (Collected)	605.8Cr	621.8Cr	727.2Cr	703.9Cr	670.2Cr
Other Long-Term Assets, Total	3.25TCr	3.34TCr	3.53TCr	2.92TCr	3.02TCr
Total Assets	1,32500Cr	1,32400Cr	1,33700Cr	1,31700Cr	1,39100Cr
Liabilities
Interest Bearing Deposits	35TCr	38TCr	37TCr	44TCr	49TCr
Institutional Deposits	-	-	-	-	-
Non-Interest Bearing Deposits	22TCr	23TCr	25TCr	19TCr	18TCr
Total Deposits	57TCr	60TCr	62TCr	63TCr	67TCr
Short-Term Borrowings	35TCr	30TCr	30TCr	28TCr	32TCr
Current Portion of Long-Term Debt	9.16TCr	9.28TCr	8.8TCr	7.33TCr	6.37TCr
Current Portion of Leases	70Cr	68Cr	63Cr	84Cr	61Cr
Long-Term Debt	9.31TCr	9.8TCr	8.9TCr	9.87TCr	11TCr
Long-Term Leases	327.5Cr	328.3Cr	383.7Cr	365.7Cr	387.4Cr
Trust Preferred Securities (BS)	-	-	-	-	-
Current Income Taxes Payable	33Cr	41Cr	24Cr	37Cr	49Cr
Accrued Interest Payable	174Cr	162.5Cr	282.6Cr	478.5Cr	511.3Cr
Other Current Liabilities - (Bank / Utility Template)	14TCr	13TCr	13TCr	13TCr	11TCr
Deferred Tax Liability Non-Current	56Cr	50Cr	65Cr	52Cr	57Cr
Other Non Current Liabilities	2.11TCr	2.42TCr	2.68TCr	2.52TCr	2.38TCr
Total Liabilities	1,26300Cr	1,25600Cr	1,26400Cr	1,24100Cr	1,30900Cr
Common Stock, Total	529.1Cr	529.1Cr	529.1Cr	522.3Cr	510.6Cr
Additional Paid In Capital	4.06TCr	4.06TCr	4.05TCr	4.02TCr	3.97TCr
Retained Earnings	1TCr	1.26TCr	1.78TCr	2.28TCr	2.59TCr
Treasury Stock	-70L	-60L	-33Cr	-48Cr	-71Cr
Comprehensive Income and Other	470.6Cr	786.1Cr	726.4Cr	679.4Cr	1.02TCr
Total Common Equity	6.06TCr	6.63TCr	7.05TCr	7.46TCr	8.03TCr
Minority Interest	158.7Cr	169.8Cr	179.1Cr	176.3Cr	160.6Cr
Total Equity	6.22TCr	6.8TCr	7.23TCr	7.63TCr	8.19TCr
Total Liabilities And Equity	1,32500Cr	1,32400Cr	1,33700Cr	1,31700Cr	1,39100Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	206.54Cr	206.61Cr	203.78Cr	199.2Cr	194.51Cr
ECS Total Common Shares Outstanding	206.54Cr	206.61Cr	203.78Cr	199.2Cr	194.51Cr
Book Value / Share	29.35	32.11	34.61	37.43	41.26
Tangible Book Value	5.39TCr	5.95TCr	6.34TCr	6.72TCr	7.25TCr
Tangible Book Value Per Share	26.09	28.8	31.13	33.75	37.28
Tangible Book Value Per Share (As Reported)	23.19	24.73	26.7	28.41	31.13
Average Assets	-	-	-	-	1,37000Cr
Average Loans	44TCr	45TCr	49TCr	-	48TCr
Total Debt	53TCr	50TCr	48TCr	46TCr	50TCr
Deposits at Interest - Cash	700.6Cr	585.7Cr	574.9Cr	444.2Cr	431.3Cr
Debt Equivalent of Unfunded Proj. Benefit Obligation	35Cr	-48Cr	-119.8Cr	-96Cr	-121.5Cr
Net Debt	-15TCr	-18TCr	-18TCr	-19TCr	-22TCr
Equity Method Investments, Total	90Cr	109.1Cr	112.4Cr	101.3Cr	102.8Cr
Full Time Employees	84.66T	82.97T	84.93T	90.13T	89.75T
Number Of Offices	1.89T	1.71T	1.54T	1.43T	1.31T

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	50Cr	236.5Cr	552.5Cr	633.2Cr	434.2Cr
Depreciation, Depletion & Amortization	102.1Cr	223.6Cr	242.4Cr	224.5Cr	149.3Cr
Amortization of Goodwill and Intangible Assets - (CF)	80L	60L	30L	20L	50L
Total Depreciation, Depletion & Amortization	102.9Cr	224.2Cr	242.7Cr	224.7Cr	149.8Cr
Amortization of Deferred Charges, Total	103.1Cr	101.1Cr	101.7Cr	106.2Cr	116.6Cr
(Gain) Loss on Sale of Investments - (CF)	-66Cr	-28Cr	13Cr	-8.4Cr	-7.6Cr
Total Asset Writedown	13Cr	32Cr	8.5Cr	29Cr	9.4Cr
Restructuring Activities	48Cr	26Cr	-12Cr	22Cr	-30L
Provision for Credit Losses	179.2Cr	52Cr	122.6Cr	150.5Cr	183Cr
(Income) Loss On Equity Investments - (CF)	-10Cr	-20Cr	-13Cr	11Cr	40L
Change in Trading Asset Securities	946.2Cr	1.99TCr	221.8Cr	-3.54TCr	-1.49TCr
Change in Other Net Operating Assets (Collected)	1.94TCr	-6.25TCr	-2.55TCr	3.14TCr	-3.74TCr
Other Operating Activities	-16Cr	16Cr	-72Cr	28Cr	-2.2TCr
Cash from Operations	3.29TCr	-3.62TCr	-1.38TCr	790.5Cr	-6.55TCr
Capital Expenditure	-51Cr	-55Cr	-34Cr	-42Cr	-53Cr
Sale of Property, Plant, and Equipment	2.4Cr	11Cr	2.2Cr	3.3Cr	2Cr
Cash Acquisitions	-	-50L	-	-36Cr	-
Divestitures	50L	-	44Cr	-	30L
Investment in Marketable and Equity Securities, Total	-36Cr	2.5TCr	-1.62TCr	-44Cr	-490.2Cr
Other Investing Activities, Total	-104.4Cr	-101Cr	-108.5Cr	-138.7Cr	-137.4Cr
Cash from Investing	-189.2Cr	2.36TCr	-1.72TCr	-257.6Cr	-678.1Cr
Long-Term Debt Issued, Total	168.4Cr	114.6Cr	272.4Cr	143.6Cr	2Cr
Total Debt Issued	168.4Cr	114.6Cr	272.4Cr	143.6Cr	2Cr
Long-Term Debt Repaid, Total	-249.7Cr	-122.5Cr	-70Cr	-223Cr	-71Cr
Total Debt Repaid	-249.7Cr	-122.5Cr	-70Cr	-223Cr	-71Cr
Issuance of Common Stock	202.7Cr	517.7Cr	607.4Cr	42Cr	631.6Cr
Repurchase of Common Stock	-107.1Cr	-300.8Cr	-650.3Cr	-125.7Cr	-446.7Cr
Common Dividends Paid	-35Cr	-36Cr	-88Cr	-110.8Cr	-145.7Cr
Common & Preferred Stock Dividends Paid	-35Cr	-36Cr	-88Cr	-110.8Cr	-145.7Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	-215.4Cr	3.33TCr	1.17TCr	-229.9Cr	3.69TCr
Other Financing Activities, Total	-10Cr	-9.7Cr	-9.9Cr	-11Cr	-35Cr
Cash from Financing	-246.5Cr	3.49TCr	1.23TCr	-515.1Cr	3.62TCr
Foreign Exchange Rate Adjustments	-107.4Cr	134.5Cr	435.4Cr	-203.6Cr	291Cr
Miscellaneous Cash Flow Adjustments	-	-	-	10L	-10L
Net Change in Cash	2.75TCr	2.36TCr	-1.43TCr	-185.7Cr	-3.31TCr
Supplemental Items
Cash Interest Paid	693.7Cr	555.7Cr	946.8Cr	2.55TCr	3.36TCr
Cash Income Tax Paid (Refund)	80Cr	103.1Cr	128.8Cr	96Cr	139.2Cr
Net Debt Issued / Repaid	-81Cr	-7.9Cr	202.7Cr	-79Cr	-69Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.05	0.19	0.43	0.48	0.33
Return On Equity %	1	3.85	8.06	8.69	5.67
Return on Common Equity	0.24	3.15	7.37	8.05	4.87
Shareholders Value Added	-615.55Cr	-445.56Cr	-267.54Cr	-222.36Cr	-494.45Cr
Margin Analysis
SG&A Margin	89.89	78.84	76.61	70.38	70.36
Net Interest Income / Total Revenues %	51.83	44.81	52.53	54.37	51.09
EBT Excl. Non-Recurring Items Margin %	10.11	21.16	23.39	29.62	29.64
Income From Continuing Operations Margin %	2.81	10.08	21.78	21.76	15.1
Net Income Margin %	2.23	9.5	21.26	21.36	14.63
Net Avail. For Common Margin %	0.66	8.04	19.42	19.68	12.7
Normalized Net Income Margin	5.74	12.64	14.1	18.11	18.06
Asset quality
Nonperforming Loans / Total Loans %	2.73	2.5	2.39	2.75	3.16
Nonperforming Loans / Total Assets %	0.89	0.9	0.88	1.02	1.12
Nonperforming Assets / Total Assets %	0.9	0.91	0.88	1.02	1.12
NPAs / Loans and OREO	2.74	2.51	2.4	2.75	3.16
NPAs / Equity	19.09	17.63	16.28	17.57	19.06
Allowance for Credit Losses / Net Charge-offs %	667.08	979.3	498.77	471.74	531.44
Allowance for Credit Losses / Nonperforming Loans %	40.71	40.08	41.39	38.92	36.56
Allowance for Credit Losses / Total Loans %	1.11	1	0.99	1.07	1.16
Net Charge-offs / Total Average Loans %	0.16	0.11	0.2	-	0.22
Provision for Loan Losses / Net Charge-offs %	247.86	105.53	126.13	136.32	170.71
Earning Assets / IBL	134.21	135.81	135.5	132.84	125.65
Interest Income / Average Assets	-	-	-	-	3.58
Interest Expense / Average Assets	-	-	-	-	2.47
Net Interest Income / Average Assets	-	-	-	-	1.11
Non Interest Income / Average Assets	-	-	-	-	1.19
Non Interest Expense / Average Asset	-	-	-	-	1.52
Capital And Funding
Total Average Common Equity / Total Average Assets %	4.62	4.79	5.14	5.44	5.72
Total Average Equity / Total Average Assets %	4.74	4.92	5.28	5.58	5.84
Total Equity + Allowance for Loan Losses / Total Loans %	15.08	14.9	15.39	16.38	17.44
Gross Loans / Total Deposits %	76.41	79.04	78.8	77.87	73.82
Net Loans / Total Deposits %	75.56	78.21	78	76.77	72.76
Tier 1 Capital Ratio %	15.7	15.7	15.7	16.1	17
Total Capital Ratio %	17.8	17.8	18.4	18.6	19.2
Core Tier 1 Capital Ratio	13.6	13.2	13.4	13.7	13.8
Tier 2 Capital Ratio	2.11	2.09	2.65	2.46	2.15
Equity Tier 1 Capital Ratio	14.9	14.79	15.56	16.99	17.28
Coverage Ratio	40.71	40.08	41.39	38.92	36.56
Interbank Ratio	18.87	14.64	22.37	21.15	2.17
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.16	1.62	1.53	1.29	1.2
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-16.17	-3.22	22.37	15.3	-5.96
Non Interest Income, 1 Yr. Growth %	32.8	14.03	-4.88	14.94	8.71
Provision For Loan Losses, 1 Yr. Growth %	147.86	-71.26	138.06	22.76	21.59
Total Revenues, 1 Yr. Growth %	-0.91	11.96	4.37	14.76	0.08
Earnings From Cont. Operations, 1 Yr. Growth %	-111.85	302.08	125.55	16.17	-30.55
Net Income, 1 Yr. Growth %	-109.18	377.78	133.62	16.83	-31.43
Normalized Net Income, 1 Yr. Growth %	254.27	148.28	16.4	49.51	-0.16
Diluted EPS Before Extra, 1 Yr. Growth %	-102.55	1.24T	154.84	19.4	-33.21
Dividend Per Share, 1 Yr. Growth %	-	-	50	50	51.11
Gross Loans, 1 Yr. Growth %	-0.69	9.86	2.62	-2.04	1.2
Allowance For Loan Losses, 1 Yr. Growth %	20.03	-0.91	1.44	7.43	9.39
Net Loans, 1 Yr. Growth %	-0.88	10.03	2.65	-2.45	1.18
Non Performing Loans, 1 Yr. Growth %	23.84	0.65	-1.78	14.25	16.45
Non Performing Assets, 1 Yr. Growth %	23.75	0.46	-1.81	13.9	16.31
Total Assets, 1 Yr. Growth %	2.13	-0.1	0.97	-2	5.6
Total Deposits, 1 Yr Growth %	-0.73	6.29	2.93	-0.59	6.75
Tangible Book Value, 1 Yr. Growth %	0.73	10.44	6.61	6.3	7.84
Average Interest Earning Assets, 1 Yr. Growth %	-3.76	1.9	4.77	-0.96	2.46
Average Interest Bearing Liabilities, 1 Yr. Growth %	-4.04	0.7	5.01	1.2	8.32
Common Equity, 1 Yr. Growth %	0.15	9.44	6.34	6	7.63
Total Equity, 1 Yr. Growth %	0.06	9.38	6.32	5.81	7.25
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-6.96	-9.93	8.82	20.42	4.13
Non Interest Income, 2 Yr. CAGR %	2.06	23.06	4.15	2.1	11.78
Provision For Loan Losses, 2 Yr. CAGR %	84.75	-15.6	-17.29	70.95	22.17
Total Revenues, 2 Yr. CAGR %	-5.3	5.33	8.1	8.85	7.17
Earnings From Cont. Operations, 2 Yr. CAGR %	35.08	-30.97	201.15	57.68	-10.18
Net Income, 2 Yr. CAGR %	36.16	-33.76	234.09	60.73	-10.5
Normalized Net Income, 2 Yr. CAGR %	10.91	229.47	73.5	30.9	23.78
Diluted EPS Before Extra, 2 Yr. CAGR %	141.32	-41.43	485	68.99	-10.7
Dividend Per Share, 2 Yr. CAGR %	-	-	-	50	50.55
Gross Loans, 2 Yr. CAGR %	1.98	4.5	6.21	1.02	0.32
Allowance For Loan Losses, 2 Yr. CAGR %	6.64	9.06	0.26	4.39	8.4
Net Loans, 2 Yr. CAGR %	1.94	4.43	6.31	0.84	0.11
Non Performing Loans, 2 Yr. CAGR %	12.18	11.65	-0.57	5.93	15.34
Non Performing Assets, 2 Yr. CAGR %	12.31	11.79	-0.68	5.76	15.1
Total Assets, 2 Yr. CAGR %	-0.85	1.01	0.45	-0.25	2.01
Total Deposits, 2 Yr CAGR %	0.32	2.72	4.62	1.78	3.65
Tangible Book Value, 2 Yr. CAGR %	-3.64	5.47	8.52	6.3	6.91
Average Interest Earning Assets, 2 Yr. CAGR %	-3.61	-0.97	3.33	2.08	0.74
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-4.11	-1.7	2.84	3.22	4.7
Common Equity, 2 Yr. CAGR %	-5.01	4.69	7.89	6.03	6.67
Total Equity, 2 Yr. CAGR %	-4.88	4.62	7.85	5.92	6.39
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-2.35	-5.73	-0.24	11.84	10.77
Non Interest Income, 3 Yr. CAGR %	-3.86	5.9	12.94	6.34	4.66
Provision For Loan Losses, 3 Yr. CAGR %	50.57	-0.64	19.25	-5.65	52.6
Total Revenues, 3 Yr. CAGR %	-4.98	0.14	5.01	10.07	6.03
Earnings From Cont. Operations, 3 Yr. CAGR %	-5.35	94.31	2.43	117.86	21.33
Net Income, 3 Yr. CAGR %	-12.97	106.91	0.83	133.87	22.45
Normalized Net Income, 3 Yr. CAGR %	0.55	44.8	132.91	64.01	30.13
Diluted EPS Before Extra, 3 Yr. CAGR %	-49.35	327.64	-4.38	241.99	25.77
Dividend Per Share, 3 Yr. CAGR %	-	22.05	-	-	50.37
Gross Loans, 3 Yr. CAGR %	2.26	4.58	3.87	3.91	1.08
Allowance For Loan Losses, 3 Yr. CAGR %	7.15	4.06	6.46	2.59	6.03
Net Loans, 3 Yr. CAGR %	2.23	4.56	3.83	3.84	0.95
Non Performing Loans, 3 Yr. CAGR %	23.87	8.2	6.98	4.14	9.33
Non Performing Assets, 3 Yr. CAGR %	23.96	8.4	7.06	3.96	9.16
Total Assets, 3 Yr. CAGR %	-3.5	-0.6	0.99	-0.19	1.66
Total Deposits, 3 Yr CAGR %	-0.8	2.27	2.79	3.28	3.41
Tangible Book Value, 3 Yr. CAGR %	-2.98	0.84	5.85	7.67	6.81
Average Interest Earning Assets, 3 Yr. CAGR %	-3.42	-1.81	0.91	2.03	2.22
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-4.62	-2.53	0.49	2.38	4.9
Common Equity, 3 Yr. CAGR %	-3.69	-0.42	5.24	7.16	6.56
Total Equity, 3 Yr. CAGR %	-2.98	-0.34	5.18	7.07	6.36
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-6.21	-5.38	1.98	3.9	1.97
Non Interest Income, 5 Yr. CAGR %	-6.42	-1.41	-0.73	4.61	11.66
Provision For Loan Losses, 5 Yr. CAGR %	13.39	-17.93	18.49	23.45	20.41
Total Revenues, 5 Yr. CAGR %	-7.22	-2.76	0.05	3.64	5.75
Earnings From Cont. Operations, 5 Yr. CAGR %	-37.93	13.08	50.37	79.94	-3.17
Net Income, 5 Yr. CAGR %	-40.78	11.02	49.05	88.37	-4.23
Normalized Net Income, 5 Yr. CAGR %	-17.54	7.85	23.91	38.95	79.19
Diluted EPS Before Extra, 5 Yr. CAGR %	-56.64	-2.93	34.77	197.47	-7.36
Dividend Per Share, 5 Yr. CAGR %	-	12.7	22.22	32.55	-
Gross Loans, 5 Yr. CAGR %	0.02	2.91	3.83	3.14	2.44
Allowance For Loan Losses, 5 Yr. CAGR %	-0.83	1	4.34	4.19	7.23
Net Loans, 5 Yr. CAGR %	0.07	2.92	3.83	3.06	2.33
Non Performing Loans, 5 Yr. CAGR %	7.77	9.87	13.44	7.29	10.25
Non Performing Assets, 5 Yr. CAGR %	7.82	10	13.56	7.33	10.21
Total Assets, 5 Yr. CAGR %	-4.04	-3.6	-1.94	-0.46	1.4
Total Deposits, 5 Yr CAGR %	0.04	1.87	1.32	2.08	3.13
Tangible Book Value, 5 Yr. CAGR %	-1.21	1.4	1.46	2.99	6.27
Average Interest Earning Assets, 5 Yr. CAGR %	-2.26	-1.92	-0.78	-0.26	0.93
Average Interest Bearing Liabilities, 5 Yr. CAGR %	-3.43	-3.2	-1.71	-0.27	2.21
Common Equity, 5 Yr. CAGR %	-2.09	0.56	0.78	2.11	5.81
Total Equity, 5 Yr. CAGR %	-1.66	0.97	1.21	2.12	5.66