DONGGUAN RURAL COMMERCIAL BANK CO., LTD.

Income Statement Dongguan Rural Commercial Bank Co., Ltd. Börse Stuttgart

Stocks

857 CNE100004QH8

Banks

Delayed Börse Stuttgart 05:02:35 10/09/2026 pm IST			5-day change	1st Jan Change
0.3420 ^EUR	0.00%		-1.72%	-7.07%

02/09	Dongguan Rural Commercial Bank Co., Ltd. Announces Board and Committee Changes, Effective September 1, 2026	CI
28/08	Dongguan Rural Commercial Bank Co., Ltd. Reports Earnings Results for the Half Year Ended June 30, 2026	CI

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Published financial data: DONGGUAN RURAL COMMERCIAL BANK CO., LTD.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021 (CNY)	2022 (CNY)	2023 (CNY)	2024 (CNY)	2025 (CNY)
Interest Income On Loans	2.2TCr	2.28TCr	2.31TCr	2.19TCr	2TCr
Interest Income, Total	2.2TCr	2.28TCr	2.31TCr	2.19TCr	2TCr
Interest On Deposits	1.14TCr	1.18TCr	1.25TCr	1.27TCr	1.11TCr
Interest Expense, Total	1.14TCr	1.18TCr	1.25TCr	1.27TCr	1.11TCr
Net Interest Income	1.05TCr	1.09TCr	1.06TCr	917.43Cr	882.72Cr
Income From Trading Activities	105.78Cr	129.39Cr	108.13Cr	184.76Cr	58Cr
Gain (Loss) on Sale of Assets	5.14Cr	81.88L	41.26L	62.49L	79.31L
Gain (Loss) on Sale of Invest. & Securities - (Rev)	52Cr	7.53Cr	71Cr	71Cr	182.8Cr
Income (Loss) on Equity Invest. (Income Block)	-	-	-	-	-
Total Other Non Interest Income	83Cr	93Cr	89Cr	58Cr	45Cr
Non Interest Income, Total	246.3Cr	230.27Cr	268.79Cr	313.76Cr	286.94Cr
Revenues Before Provison For Loan Losses	1.3TCr	1.32TCr	1.33TCr	1.23TCr	1.17TCr
Provision For Loan Losses	244.32Cr	223.88Cr	332.21Cr	347.98Cr	338.57Cr
Total Revenues	1.06TCr	1.1TCr	993.8Cr	883.21Cr	831.08Cr
Salaries And Other Employee Benefits	319.55Cr	318.18Cr	302.33Cr	305.85Cr	289.35Cr
Occupancy Expense	39Cr	42Cr	42Cr	43Cr	45Cr
Selling General & Admin Expenses, Total	85Cr	100Cr	122.58Cr	112.17Cr	114.66Cr
(Income) Loss on Real Estate Property	-	-	-	-	-
(Income) Loss on Equity Invest.	-3.38Cr	-3.49Cr	-5.19Cr	-2.44Cr	-4.5Cr
Total Other Non Interest Expense	16Cr	14Cr	15Cr	14Cr	14Cr
Non Operating (Income) Expenses	-	-	-	-	-
Non Interest Expense, Total	456.35Cr	471.31Cr	476.83Cr	472.82Cr	457.9Cr
EBT, Excl. Unusual Items	598.97Cr	628.41Cr	516.97Cr	410.39Cr	373.18Cr
Asset Writedown	-	-	-	-	-
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	598.97Cr	628.41Cr	516.97Cr	410.39Cr	373.18Cr
Income Tax Expense	29Cr	20Cr	-18Cr	-76Cr	-15Cr
Earnings From Continuing Operations	570.29Cr	608.25Cr	534.58Cr	486.06Cr	387.68Cr
Net Income to Company	570.29Cr	608.25Cr	534.58Cr	486.06Cr	387.68Cr
Minority Interest	-11Cr	-15Cr	-18Cr	-24Cr	-2.29Cr
Net Income - (IS)	558.97Cr	593.17Cr	516.13Cr	462.47Cr	385.39Cr
Net Income to Common Incl Extra Items	558.97Cr	593.17Cr	516.13Cr	462.47Cr	385.39Cr
Net Income to Common Excl. Extra Items	558.97Cr	593.17Cr	516.13Cr	462.47Cr	385.39Cr
Per Share Items
Net EPS - Basic	0.93	0.86	0.75	0.67	0.56
Basic EPS - Continuing Operations	0.93	0.86	0.75	0.67	0.56
Basic Weighted Average Shares Outstanding	602.75Cr	688.85Cr	688.85Cr	688.85Cr	688.85Cr
Net EPS - Diluted	0.93	0.86	0.75	0.67	0.56
Diluted EPS - Continuing Operations	0.93	0.86	0.75	0.67	0.56
Diluted Weighted Average Shares Outstanding	602.75Cr	688.85Cr	688.85Cr	688.85Cr	688.85Cr
Normalized Basic EPS	0.6	0.55	0.44	0.34	0.34
Normalized Diluted EPS	0.6	0.55	0.44	0.34	0.34
Dividend Per Share	0.29	0.29	0.26	0.25	0.22
Payout Ratio	26.7	34.65	39.79	40.57	45.99
American Depositary Receipts Ratio (ADR)	10	10	10	10	10
Supplemental Items
Effective Tax Rate - (Ratio)	4.79	3.21	-3.41	-18.44	-3.89
Current Domestic Taxes	78Cr	87Cr	56Cr	1.19Cr	38Cr
Total Current Taxes	78Cr	87Cr	56Cr	1.19Cr	38Cr
Deferred Domestic Taxes	-49Cr	-66Cr	-74Cr	-77Cr	-52Cr
Total Deferred Taxes	-49Cr	-66Cr	-74Cr	-77Cr	-52Cr
Normalized Net Income	363.03Cr	377.67Cr	304.66Cr	232.9Cr	230.95Cr

Fiscal Period: December	2021 (CNY)	2022 (CNY)	2023 (CNY)	2024 (CNY)	2025 (CNY)
Assets
Cash And Equivalents	2.01TCr	2.42TCr	2.2TCr	1.66TCr	1.41TCr
Investment Securities, Total	22TCr	22TCr	25TCr	28TCr	29TCr
Trading Asset Securities, Total	2.98TCr	5.25TCr	5.33TCr	4.39TCr	5.19TCr
Total investments	25TCr	27TCr	31TCr	32TCr	35TCr
Gross Loans	30TCr	33TCr	36TCr	38TCr	41TCr
Allowance For Loan Losses	-902.89Cr	-1.09TCr	-1.33TCr	-1.44TCr	-1.51TCr
Net Loans	29TCr	32TCr	34TCr	37TCr	39TCr
Gross Property Plant And Equipment	603.55Cr	615.99Cr	619.61Cr	649.56Cr	663.13Cr
Accumulated Depreciation	-256.54Cr	-275.01Cr	-289.58Cr	-303.07Cr	-321.02Cr
Net Property Plant And Equipment	347.01Cr	340.98Cr	330.02Cr	346.49Cr	342.1Cr
Goodwill	52Cr	52Cr	52Cr	52Cr	52Cr
Other Intangibles, Total	6.36Cr	4.55Cr	4.27Cr	9.32Cr	16Cr
Investment in Real Estate	1.22Cr	1.06Cr	88.98L	72.31L	56L
Accrued Interest Receivable	196.74Cr	218.01Cr	241.28Cr	230.41Cr	258.04Cr
Other Receivables	17Cr	13Cr	11Cr	11Cr	11Cr
Restricted Cash	2.61TCr	2.58TCr	2.54TCr	2.59TCr	2.69TCr
Other Current Assets, Total	68Cr	92Cr	19Cr	42Cr	222.22Cr
Deferred Tax Assets Long-Term (Collected)	333.11Cr	405.95Cr	471.04Cr	473.27Cr	575.54Cr
Other Real Estate Owned And Foreclosed	11Cr	8.63Cr	8.63Cr	16Cr	15Cr
Deferred Charges Long-Term	16Cr	30Cr	34Cr	48Cr	55Cr
Other Long-Term Assets, Total	24Cr	23Cr	17Cr	45Cr	31Cr
Total Assets	59TCr	66TCr	71TCr	75TCr	80TCr
Liabilities
Accounts Payable, Total	30Cr	29Cr	24Cr	36Cr	35Cr
Accrued Expenses, Total	265.18Cr	278.83Cr	282.33Cr	290.82Cr	271.83Cr
Interest Bearing Deposits	24TCr	25TCr	29TCr	33TCr	33TCr
Non-Interest Bearing Deposits	21TCr	22TCr	21TCr	21TCr	21TCr
Total Deposits	44TCr	47TCr	50TCr	53TCr	55TCr
Short-Term Borrowings	1.39TCr	2.98TCr	2.54TCr	1.95TCr	962.74Cr
Current Portion of Long-Term Debt	6.74TCr	8.04TCr	9.82TCr	9.84TCr	14TCr
Current Portion of Leases	12Cr	12Cr	12Cr	12Cr	11Cr
Long-Term Debt	1.17TCr	702.09Cr	1.21TCr	1.71TCr	1.51TCr
Long-Term Leases	34Cr	34Cr	40Cr	38Cr	36Cr
Current Income Taxes Payable	18Cr	8.8Cr	5L	5L	8.62Cr
Accrued Interest Payable	537.98Cr	661.79Cr	873.35Cr	1TCr	1.09TCr
Other Current Liabilities - (Bank / Utility Template)	29Cr	85Cr	6.19Cr	26Cr	30Cr
Unearned Revenue Non Current	15Cr	1.11Cr	-	-	-
Pension & Other Post Retirement Benefits	5.42Cr	9.16Cr	12Cr	10Cr	4.48Cr
Other Non Current Liabilities	74Cr	144.87Cr	168.66Cr	195.09Cr	241.11Cr
Total Liabilities	54TCr	60TCr	65TCr	68TCr	73TCr
Common Stock, Total	688.85Cr	688.85Cr	688.85Cr	688.85Cr	688.85Cr
Retained Earnings	3.35TCr	3.74TCr	4.06TCr	4.33TCr	4.54TCr
Comprehensive Income and Other	701.99Cr	683.5Cr	719.31Cr	936.25Cr	797.41Cr
Total Common Equity	4.74TCr	5.11TCr	5.46TCr	5.96TCr	6.03TCr
Minority Interest	260.35Cr	269.22Cr	283.92Cr	291.44Cr	272.91Cr
Total Equity	5TCr	5.38TCr	5.75TCr	6.25TCr	6.3TCr
Total Liabilities And Equity	59TCr	66TCr	71TCr	75TCr	80TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	688.85Cr	688.85Cr	688.85Cr	688.85Cr	688.85Cr
ECS Total Common Shares Outstanding	688.85Cr	688.85Cr	688.85Cr	688.85Cr	688.85Cr
Book Value / Share	6.88	7.42	7.93	8.64	8.75
Tangible Book Value	4.68TCr	5.06TCr	5.41TCr	5.89TCr	5.96TCr
Tangible Book Value Per Share	6.79	7.34	7.85	8.56	8.65
Average Loans	28TCr	32TCr	35TCr	37TCr	39TCr
Total Debt	9.35TCr	12TCr	14TCr	14TCr	17TCr
Deposits at Interest - Cash	2.2TCr	2.23TCr	2.08TCr	1.44TCr	1.22TCr
Net Debt	3.39TCr	3.43TCr	5.31TCr	6.34TCr	8.82TCr
Equity Method Investments, Total	46Cr	48Cr	63Cr	64Cr	69Cr
Full Time Employees	7.96T	8.01T	7.92T	7.86T	7.8T
Number Of Offices	505	505	499	485	414

Fiscal Period: December	2021 (CNY)	2022 (CNY)	2023 (CNY)	2024 (CNY)	2025 (CNY)
Net Income	558.97Cr	593.17Cr	516.13Cr	462.47Cr	385.39Cr
Depreciation, Depletion & Amortization	39Cr	39Cr	39Cr	40Cr	41Cr
Amortization of Goodwill and Intangible Assets - (CF)	-	-	-	-	-
Total Depreciation, Depletion & Amortization	39Cr	39Cr	39Cr	40Cr	41Cr
Amortization of Deferred Charges, Total	-	2.98Cr	3.02Cr	3.27Cr	3.66Cr
(Gain) Loss On Sale of Asset - (CF)	-5.14Cr	-81.88L	-41.26L	-62.49L	-79.31L
(Gain) Loss on Sale of Investments - (CF)	-157.87Cr	-121.3Cr	-177.83Cr	-253.52Cr	-242.47Cr
Total Asset Writedown	-	-	-	-	5.88Cr
Provision for Credit Losses	244.32Cr	223.88Cr	332.21Cr	347.98Cr	322.89Cr
(Income) Loss On Equity Investments - (CF)	-3.38Cr	-3.49Cr	-5.19Cr	-2.44Cr	-4.5Cr
Change In Income Taxes	-	-	-	-	-
Change In Deferred Taxes	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-5.91TCr	-1.84TCr	-1.42TCr	-4.78TCr	-4.23TCr
Other Operating Activities	-518.56Cr	-502.55Cr	-501.04Cr	-514.19Cr	-415.03Cr
Cash from Operations	-5.75TCr	-1.61TCr	-1.21TCr	-4.7TCr	-4.14TCr
Capital Expenditure	-38Cr	-34Cr	-21Cr	-25Cr	-38Cr
Sale of Property, Plant, and Equipment	6.67Cr	13Cr	1.63Cr	1.98Cr	68.38L
Investment in Marketable and Equity Securities, Total	-856.48Cr	-1.99TCr	-29TCr	-28TCr	-30TCr
Other Investing Activities, Total	19Cr	5.57Cr	27TCr	28TCr	28TCr
Cash from Investing	-869.16Cr	-2TCr	-2.28TCr	2.22Cr	-1.19TCr
Long-Term Debt Issued, Total	8.17TCr	8.48TCr	13TCr	16TCr	17TCr
Total Debt Issued	8.17TCr	8.48TCr	13TCr	16TCr	17TCr
Long-Term Debt Repaid, Total	-6.61TCr	-9.05TCr	-13TCr	-15TCr	-14TCr
Total Debt Repaid	-6.61TCr	-9.05TCr	-13TCr	-15TCr	-14TCr
Issuance of Common Stock	755.38Cr	-	-	-	-
Common Dividends Paid	-149.26Cr	-205.53Cr	-205.35Cr	-187.62Cr	-177.25Cr
Common & Preferred Stock Dividends Paid	-149.26Cr	-205.53Cr	-205.35Cr	-187.62Cr	-177.25Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	4.15TCr	4.53TCr	2.79TCr	3.31TCr	2.4TCr
Special Dividend Paid	-86Cr	-	-	-	-
Other Financing Activities, Total	-20Cr	-	-	-24Cr	-5.28Cr
Cash from Financing	6.22TCr	3.76TCr	3.16TCr	4.06TCr	5.14TCr
Foreign Exchange Rate Adjustments	-24Cr	12Cr	1.46Cr	1.74Cr	-2.61Cr
Miscellaneous Cash Flow Adjustments	-	-5Cr	-	-	-
Net Change in Cash	-429.08Cr	161.75Cr	-327.78Cr	-635.85Cr	-188.25Cr
Supplemental Items
Cash Interest Paid	-	-	-	-	-
Cash Income Tax Paid (Refund)	100Cr	96Cr	65Cr	1.19Cr	-7.62Cr
Net Debt Issued / Repaid	1.57TCr	-564.41Cr	573.57Cr	956.2Cr	2.92TCr

Fiscal Period: December	2021 (CNY)	2022 (CNY)	2023 (CNY)	2024 (CNY)	2025 (CNY)
Profitability
Return on Assets	1	0.97	0.78	0.67	0.5
Return On Equity %	12.87	11.72	9.61	8.1	6.18
Return on Common Equity	13.38	12.04	9.76	8.1	6.43
Shareholders Value Added	58Cr	2.13Cr	-118.53Cr	-222.74Cr	-333.69Cr
Margin Analysis
SG&A Margin	42.09	41.86	47.01	52.19	53.99
Net Interest Income / Total Revenues %	99.81	99.42	106.38	103.87	106.21
EBT Excl. Non-Recurring Items Margin %	56.76	57.14	52.02	46.47	44.9
Income From Continuing Operations Margin %	54.04	55.31	53.79	55.03	46.65
Net Income Margin %	52.97	53.94	51.93	52.36	46.37
Net Avail. For Common Margin %	52.97	53.94	51.93	52.36	46.37
Normalized Net Income Margin	34.4	34.34	30.66	26.37	27.79
Asset quality
Nonperforming Loans / Total Loans %	0.8	0.86	1.21	1.83	1.78
Nonperforming Loans / Total Assets %	0.4	0.44	0.61	0.94	0.92
Nonperforming Assets / Total Assets %	0.42	0.45	0.62	0.96	0.93
NPAs / Loans and OREO	0.84	0.89	1.23	1.87	1.82
NPAs / Equity	4.99	5.49	7.63	11.43	11.8
Allowance for Credit Losses / Net Charge-offs %	-	-	-	-	-
Allowance for Credit Losses / Nonperforming Loans %	378.72	380.4	309.13	206.62	207.22
Allowance for Credit Losses / Total Loans %	3.03	3.29	3.74	3.78	3.69
Provision for Loan Losses / Net Charge-offs %	-	-	-	-	-
Earning Assets / IBL	102.84	101.69	102.51	102.48	103.38
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.32	7.87	7.74	7.85	7.77
Total Average Equity / Total Average Assets %	7.76	8.3	8.15	8.25	8.14
Total Equity + Allowance for Loan Losses / Total Loans %	18.92	18.69	19.13	19.41	18.43
Gross Loans / Total Deposits %	67.73	70.03	70.81	71.59	74.7
Net Loans / Total Deposits %	65.68	67.73	68.16	68.88	71.94
Tier 1 Capital Ratio %	13.94	13.74	13.65	14.37	13.33
Total Capital Ratio %	16.29	15.98	15.85	16.54	15.41
Core Tier 1 Capital Ratio	13.9	13.7	13.62	14.34	13.3
Tier 2 Capital Ratio	2.35	2.24	2.19	2.17	2.08
Coverage Ratio	179.99	145.36	198.49	200.74	199.85
Interbank Ratio	39.37	35.08	44.75	54.16	135.81
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.52	1.53	1.41	1.32	1.34
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	6.05	3.8	-3.3	-13.22	-3.78
Non Interest Income, 1 Yr. Growth %	16.47	-6.51	16.73	16.73	-8.55
Provision For Loan Losses, 1 Yr. Growth %	-11.94	-8.36	48.39	4.75	-2.7
Total Revenues, 1 Yr. Growth %	13.81	4.21	-9.63	-11.13	-5.9
Earnings From Cont. Operations, 1 Yr. Growth %	12.81	6.66	-12.11	-9.08	-20.24
Net Income, 1 Yr. Growth %	15.09	6.12	-12.99	-10.4	-16.67
Normalized Net Income, 1 Yr. Growth %	14.91	4.03	-19.33	-23.55	-0.84
Diluted EPS Before Extra, 1 Yr. Growth %	9.61	-7.26	-12.88	-10.58	-16.5
Dividend Per Share, 1 Yr. Growth %	11.54	0	-8.62	-5.66	-12
Gross Loans, 1 Yr. Growth %	14.02	11.37	6.95	7.31	7.34
Allowance For Loan Losses, 1 Yr. Growth %	23	20.94	21.72	8.45	4.82
Net Loans, 1 Yr. Growth %	13.76	11.07	6.45	7.27	7.44
Non Performing Loans, 1 Yr. Growth %	17.28	20.41	49.79	62.25	4.52
Non Performing Assets, 1 Yr. Growth %	14.23	18.66	48.33	62.79	4.16
Total Assets, 1 Yr. Growth %	8.2	10.84	7.78	5.23	6.72
Total Deposits, 1 Yr Growth %	12.72	7.7	5.78	6.15	2.87
Tangible Book Value, 1 Yr. Growth %	31.73	8.05	6.97	8.97	1.15
Average Interest Earning Assets, 1 Yr. Growth %	16.91	5.73	11.43	6.92	4.41
Average Interest Bearing Liabilities, 1 Yr. Growth %	16.93	6.93	10.53	6.95	3.5
Common Equity, 1 Yr. Growth %	31.08	7.91	6.89	8.97	1.25
Total Equity, 1 Yr. Growth %	29.34	7.68	6.82	8.66	0.89
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	8.71	4.92	0.18	-8.4	-8.63
Non Interest Income, 2 Yr. CAGR %	-7.62	4.35	4.47	16.73	3.32
Provision For Loan Losses, 2 Yr. CAGR %	-2.7	-10.17	16.61	24.67	0.95
Total Revenues, 2 Yr. CAGR %	6.99	8.9	-2.96	-10.38	-8.55
Earnings From Cont. Operations, 2 Yr. CAGR %	8.21	9.69	-3.18	-10.61	-14.84
Net Income, 2 Yr. CAGR %	6.42	10.51	-3.91	-11.7	-13.59
Normalized Net Income, 2 Yr. CAGR %	-0.1	9.34	-8.39	-21.47	-12.93
Diluted EPS Before Extra, 2 Yr. CAGR %	3.84	0.82	-10.11	-11.74	-13.59
Dividend Per Share, 2 Yr. CAGR %	-	5.61	-4.41	-7.15	-8.89
Gross Loans, 2 Yr. CAGR %	20.35	12.69	9.14	7.13	7.33
Allowance For Loan Losses, 2 Yr. CAGR %	11.25	21.97	21.33	14.89	6.62
Net Loans, 2 Yr. CAGR %	20.67	12.41	8.73	6.86	7.36
Non Performing Loans, 2 Yr. CAGR %	10.74	18.83	34.3	55.9	30.22
Non Performing Assets, 2 Yr. CAGR %	12.13	16.43	32.67	55.39	30.22
Total Assets, 2 Yr. CAGR %	13.43	9.51	9.3	6.5	5.97
Total Deposits, 2 Yr CAGR %	15.68	10.18	6.74	5.96	4.5
Tangible Book Value, 2 Yr. CAGR %	18.47	19.3	7.51	7.97	4.99
Average Interest Earning Assets, 2 Yr. CAGR %	-	11.18	8.54	9.15	5.66
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	11.82	8.72	8.73	5.21
Common Equity, 2 Yr. CAGR %	18.37	18.93	7.4	7.92	5.04
Total Equity, 2 Yr. CAGR %	18.7	18.02	7.25	7.73	4.7
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	9.53	7.05	2.1	-4.5	-6.88
Non Interest Income, 3 Yr. CAGR %	14	-7.25	8.32	8.4	7.61
Provision For Loan Losses, 3 Yr. CAGR %	17.2	-4.62	6.19	12.51	14.78
Total Revenues, 3 Yr. CAGR %	8.94	6.06	2.34	-5.76	-8.91
Earnings From Cont. Operations, 3 Yr. CAGR %	8.18	7.69	1.88	-5.19	-13.94
Net Income, 3 Yr. CAGR %	7.16	6.32	2.05	-6.12	-13.39
Normalized Net Income, 3 Yr. CAGR %	3.96	1.26	-1.2	-13.75	-15.12
Diluted EPS Before Extra, 3 Yr. CAGR %	-	0	-3.97	-10.27	-13.35
Dividend Per Share, 3 Yr. CAGR %	-	-	0.64	-4.83	-8.8
Gross Loans, 3 Yr. CAGR %	21.98	17.28	10.74	8.53	7.2
Allowance For Loan Losses, 3 Yr. CAGR %	9.5	14.4	21.88	16.88	11.43
Net Loans, 3 Yr. CAGR %	22.47	17.38	10.38	8.24	7.05
Non Performing Loans, 3 Yr. CAGR %	4.55	13.87	28.37	43.04	36.44
Non Performing Assets, 3 Yr. CAGR %	5.99	14.27	26.22	42.04	36
Total Assets, 3 Yr. CAGR %	13.28	12.56	8.93	7.92	6.57
Total Deposits, 3 Yr CAGR %	17.22	12.96	8.7	6.54	4.92
Tangible Book Value, 3 Yr. CAGR %	16.68	14.89	15.04	7.99	5.64
Average Interest Earning Assets, 3 Yr. CAGR %	-	-	11.27	8	7.55
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	-	11.39	8.13	6.96
Common Equity, 3 Yr. CAGR %	16.8	14.78	14.77	7.92	5.65
Total Equity, 3 Yr. CAGR %	18.42	14.91	14.16	7.72	5.4
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	9.67	9.1	5.69	0.58	-2.33
Non Interest Income, 5 Yr. CAGR %	-2.2	4.04	10.08	1.69	6.29
Provision For Loan Losses, 5 Yr. CAGR %	6.25	9.73	16.96	6.16	4.06
Total Revenues, 5 Yr. CAGR %	6.82	7.8	4.02	-0.85	-2.17
Earnings From Cont. Operations, 5 Yr. CAGR %	7.4	7.33	3.48	-0.04	-5.17
Net Income, 5 Yr. CAGR %	7.12	6.99	2.59	-1.29	-4.52
Normalized Net Income, 5 Yr. CAGR %	5.3	5.61	-1.17	-8.53	-6.07
Diluted EPS Before Extra, 5 Yr. CAGR %	6.09	-	-	-4.87	-7.94
Dividend Per Share, 5 Yr. CAGR %	-	-	-	-	-3.29
Gross Loans, 5 Yr. CAGR %	17.48	18	16.67	13.11	9.36
Allowance For Loan Losses, 5 Yr. CAGR %	12.05	13.67	14.09	14.59	15.53
Net Loans, 5 Yr. CAGR %	17.67	18.17	16.78	13.05	9.16
Non Performing Loans, 5 Yr. CAGR %	4.69	8.88	15.57	29.12	29.11
Non Performing Assets, 5 Yr. CAGR %	5.53	9.49	15.95	29.22	27.8
Total Assets, 5 Yr. CAGR %	11.28	11.94	11.67	10.09	7.74
Total Deposits, 5 Yr CAGR %	12.23	12.25	12.91	10.11	7
Tangible Book Value, 5 Yr. CAGR %	15.38	15.23	12.92	12.07	10.91
Average Interest Earning Assets, 5 Yr. CAGR %	-	-	-	-	8.99
Average Interest Bearing Liabilities, 5 Yr. CAGR %	-	-	-	-	8.88
Common Equity, 5 Yr. CAGR %	15.52	15.22	12.94	11.98	10.78
Total Equity, 5 Yr. CAGR %	16.37	16.02	13.81	11.98	10.28