Income Statement Fifth Third Bancorp

Equities

FITB

US3167731005

Banks

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04/06	Fifth Third Introduces Fifth Third for Business Banking Experience	CI
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Published financial data: FIFTH THIRD BANCORP

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	407.9Cr	495.4Cr	733.4Cr	747.7Cr	746.6Cr
Interest Income On Investments	113.2Cr	163.3Cr	242.6Cr	294.9Cr	243.7Cr
Interest Income, Total	521.1Cr	658.7Cr	976Cr	1.04TCr	990.3Cr
Interest On Deposits	5.9Cr	45Cr	292.9Cr	373.6Cr	295.2Cr
Total Interest On Borrowings	38Cr	53Cr	100.4Cr	106Cr	97Cr
Interest Expense, Total	44Cr	98Cr	393.3Cr	479.6Cr	392.1Cr
Net Interest Income	477Cr	560.9Cr	582.7Cr	563Cr	598.2Cr
Service Charges On Deposits	60Cr	59Cr	58Cr	-	-
Trust Income	59Cr	57Cr	58Cr	65Cr	70Cr
Total Mortgage Banking Activities	27Cr	22Cr	25Cr	21Cr	23Cr
Gain (Loss) on Sale of Assets	8.5Cr	1.4Cr	1.1Cr	70L	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-1.4Cr	-9.8Cr	-3.2Cr	-8.8Cr	-60L
Income (Loss) on Equity Invest. (Income Block)	3Cr	2.2Cr	5.2Cr	1.8Cr	3.1Cr
Total Other Non Interest Income	159.3Cr	146.5Cr	144.4Cr	205.5Cr	207.9Cr
Non Interest Income, Total	315Cr	277.7Cr	288.3Cr	285Cr	303.5Cr
Revenues Before Provison For Loan Losses	792Cr	838.6Cr	871Cr	848Cr	901.7Cr
Provision For Loan Losses	-38Cr	56Cr	52Cr	53Cr	66Cr
Total Revenues	829.7Cr	782.3Cr	819.5Cr	795Cr	835.5Cr
Salaries And Other Employee Benefits	250.6Cr	238.9Cr	252.5Cr	259.9Cr	265.2Cr
Occupancy Expense	20Cr	20Cr	21Cr	22Cr	23Cr
Selling General & Admin Expenses, Total	86Cr	95Cr	102.3Cr	102.3Cr	111.3Cr
(Income) Loss on Equity Invest.	-	-	-	-	-
Total Other Non Interest Expense	117.7Cr	117.9Cr	144.2Cr	118.9Cr	115.3Cr
Non Interest Expense, Total	474.5Cr	471.7Cr	520.3Cr	503.2Cr	514.4Cr
EBT, Excl. Unusual Items	355.2Cr	310.6Cr	299.2Cr	291.8Cr	321.1Cr
Restructuring Charges	-	-	-	-	-
Total Merger & Related Restructuring Charges	-	-	-	-	-
Asset Writedown	-3.5Cr	-1.3Cr	-40L	-20L	-
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	351.7Cr	309.3Cr	298.8Cr	291.6Cr	321.1Cr
Income Tax Expense	75Cr	65Cr	64Cr	60Cr	69Cr
Earnings From Continuing Operations	277Cr	244.6Cr	234.9Cr	231.4Cr	252.2Cr
Net Income to Company	277Cr	244.6Cr	234.9Cr	231.4Cr	252.2Cr
Minority Interest	-	-	-	-	-
Net Income - (IS)	277Cr	244.6Cr	234.9Cr	231.4Cr	252.2Cr
Preferred Dividend and Other Adjustments	12Cr	12Cr	14Cr	16Cr	15Cr
Net Income to Common Incl Extra Items	265.2Cr	232.8Cr	221.2Cr	215.5Cr	237.6Cr
Net Income to Common Excl. Extra Items	265.2Cr	232.8Cr	221.2Cr	215.5Cr	237.6Cr
Per Share Items
Net EPS - Basic	3.78	3.38	3.23	3.16	3.56
Basic EPS - Continuing Operations	3.78	3.38	3.23	3.16	3.56
Basic Weighted Average Shares Outstanding	70Cr	69Cr	68Cr	68Cr	67Cr
Net EPS - Diluted	3.73	3.35	3.22	3.14	3.53
Diluted EPS - Continuing Operations	3.73	3.35	3.22	3.14	3.53
Diluted Weighted Average Shares Outstanding	71Cr	69Cr	69Cr	69Cr	67Cr
Normalized Basic EPS	3.16	2.82	2.73	2.67	3
Normalized Diluted EPS	3.12	2.79	2.72	2.65	2.98
Dividend Per Share	1.14	1.26	1.36	1.44	1.54
Payout Ratio	32.38	37.9	45.13	50.82	46.11
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	21.24	20.92	21.39	20.64	21.46
Current Domestic Taxes	76Cr	70Cr	74Cr	53Cr	55Cr
Current Foreign Taxes	20L	1.1Cr	20L	30L	-30L
Total Current Taxes	76Cr	71Cr	74Cr	53Cr	55Cr
Deferred Domestic Taxes	-1.3Cr	-6Cr	-10Cr	7.1Cr	14Cr
Deferred Foreign Taxes	-10L	-	-20L	10L	-10L
Total Deferred Taxes	-1.4Cr	-6Cr	-11Cr	7.2Cr	14Cr
Normalized Net Income	222Cr	194.12Cr	187Cr	182.38Cr	200.69Cr
Non-Cash Pension Expense	90L	70L	50L	40L	40L
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	12Cr	16Cr	17Cr	16Cr	16Cr
Total Stock-Based Compensation	12Cr	16Cr	17Cr	16Cr	16Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	299.4Cr	346.6Cr	314.2Cr	301.4Cr	349.9Cr
Investment Securities, Total	4.24TCr	1.92TCr	3.43TCr	3.04TCr	2.84TCr
Trading Asset Securities, Total	373.7Cr	377Cr	361.1Cr	365.7Cr	292.5Cr
Mortgage Backed Securities	3.22TCr	4.23TCr	4.04TCr	3.96TCr	4.06TCr
Total investments	7.83TCr	6.52TCr	7.83TCr	7.37TCr	7.18TCr
Gross Loans	11TCr	12TCr	12TCr	12TCr	12TCr
Allowance For Loan Losses	-189.2Cr	-219.4Cr	-232.2Cr	-235.2Cr	-225.3Cr
Other Adjustments to Gross Loans	-24Cr	-24Cr	-27Cr	-38Cr	-38Cr
Net Loans	11TCr	12TCr	11TCr	12TCr	12TCr
Gross Property Plant And Equipment	685.1Cr	725.1Cr	742Cr	764.1Cr	728.7Cr
Accumulated Depreciation	-371.2Cr	-395.3Cr	-412Cr	-433.5Cr	-418.5Cr
Net Property Plant And Equipment	313.9Cr	329.8Cr	330Cr	330.6Cr	310.2Cr
Goodwill	451.4Cr	491.5Cr	491.9Cr	491.8Cr	494.7Cr
Other Intangibles, Total	16Cr	17Cr	12Cr	9Cr	6.9Cr
Investment in FHLB	3Cr	38Cr	22Cr	28Cr	17Cr
Loans Held For Sale	441.5Cr	100.7Cr	38Cr	64Cr	73Cr
Accrued Interest Receivable	46Cr	70Cr	80Cr	80Cr	74Cr
Other Receivables	279.7Cr	265.3Cr	219.4Cr	255.5Cr	265.9Cr
Restricted Cash	-	-	-	-	-
Other Current Assets, Total	14Cr	14Cr	14Cr	14Cr	17Cr
Deferred Tax Assets Long-Term (Collected)	-	155.3Cr	143.8Cr	142.9Cr	86Cr
Other Real Estate Owned And Foreclosed	2.9Cr	2.4Cr	3.9Cr	3.2Cr	3.1Cr
Other Long-Term Assets, Total	397.4Cr	462.7Cr	463.2Cr	460.5Cr	514.8Cr
Total Assets	21TCr	21TCr	21TCr	21TCr	21TCr
Liabilities
Interest Bearing Deposits	10TCr	11TCr	12TCr	12TCr	13TCr
Institutional Deposits	27Cr	323.2Cr	520.6Cr	235.8Cr	197.8Cr
Non-Interest Bearing Deposits	6.51TCr	5.31TCr	4.31TCr	4.1TCr	4.26TCr
Total Deposits	17TCr	16TCr	17TCr	17TCr	17TCr
Short-Term Borrowings	327.4Cr	897Cr	605.3Cr	745.2Cr	296Cr
Current Portion of Long-Term Debt	151Cr	115.9Cr	225Cr	149.7Cr	75Cr
Current Portion of Leases	11Cr	11Cr	11Cr	11Cr	13Cr
Long-Term Debt	1.01TCr	1.23TCr	1.24TCr	1.11TCr	1.11TCr
Federal Home Loan Bank Debt - Long-Term	4.3Cr	1.2Cr	151Cr	150.8Cr	150.5Cr
Long-Term Leases	56Cr	64Cr	62Cr	65Cr	76Cr
Trust Preferred Securities (BS)	5.4Cr	5.3Cr	5.4Cr	5.4Cr	5.5Cr
Current Income Taxes Payable	117.8Cr	121.2Cr	158.3Cr	153.1Cr	137.2Cr
Other Current Liabilities - (Bank / Utility Template)	48Cr	39Cr	27Cr	45Cr	51Cr
Pension & Other Post Retirement Benefits	2.4Cr	1.1Cr	1.1Cr	-	-
Deferred Tax Liability Non-Current	51Cr	-	-	-	-
Other Non Current Liabilities	177.5Cr	153.5Cr	158.9Cr	165.4Cr	169.3Cr
Total Liabilities	19TCr	19TCr	20TCr	19TCr	19TCr
Preferred Stock Redeemable	211.6Cr	211.6Cr	211.6Cr	211.6Cr	177Cr
Total Preferred Equity	211.6Cr	211.6Cr	211.6Cr	211.6Cr	177Cr
Common Stock, Total	205.1Cr	205.1Cr	205.1Cr	205.1Cr	205.1Cr
Additional Paid In Capital	362.4Cr	368.4Cr	375.7Cr	380.4Cr	383.1Cr
Retained Earnings	2.02TCr	2.17TCr	2.3TCr	2.42TCr	2.55TCr
Treasury Stock	-702.4Cr	-710.3Cr	-726.2Cr	-784Cr	-830.6Cr
Comprehensive Income and Other	120.7Cr	-511Cr	-448.7Cr	-463.6Cr	-311Cr
Total Common Equity	2.01TCr	1.52TCr	1.71TCr	1.75TCr	2TCr
Minority Interest	-	-	-	-	-
Total Equity	2.22TCr	1.73TCr	1.92TCr	1.96TCr	2.17TCr
Total Liabilities And Equity	21TCr	21TCr	21TCr	21TCr	21TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	68Cr	68Cr	68Cr	67Cr	90Cr
ECS Total Common Shares Outstanding	68Cr	68Cr	68Cr	67Cr	66Cr
Book Value / Share	29.43	22.26	25.04	26.17	30.18
Tangible Book Value	1.54TCr	1.01TCr	1.2TCr	1.25TCr	1.49TCr
Tangible Book Value Per Share	22.59	14.82	17.64	18.69	22.59
Tangible Book Value Per Share (As Reported)	-	-	-	-	-
Average Assets	21TCr	21TCr	21TCr	21TCr	21TCr
Average Loans	11TCr	12TCr	12TCr	12TCr	12TCr
Total Debt	1.56TCr	2.33TCr	2.3TCr	2.24TCr	1.73TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	2.4Cr	1.1Cr	1.1Cr	1.3Cr	1.4Cr
Net Debt	888.4Cr	1.6TCr	1.63TCr	1.57TCr	1.08TCr
Equity Method Investments, Total	202.2Cr	215.3Cr	232.6Cr	252Cr	274.3Cr
Full Time Employees	19.11T	19.32T	18.72T	18.62T	18.68T
Number Of Offices	1.12T	1.09T	1.09T	1.09T	1.13T
Assets on Operating Lease - Gross	92Cr	96Cr	81Cr	65Cr	62Cr
Assets on Operating Lease - Accumulated Depreciation	-30Cr	-34Cr	-36Cr	-33Cr	-24Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	277Cr	244.6Cr	234.9Cr	231.4Cr	252.2Cr
Depreciation, Depletion & Amortization	30Cr	39Cr	42Cr	46Cr	52Cr
Amortization of Goodwill and Intangible Assets - (CF)	4.7Cr	4.8Cr	4.3Cr	3.5Cr	2.9Cr
Total Depreciation, Depletion & Amortization	35Cr	44Cr	46Cr	50Cr	55Cr
Gain (Loss) on Sale of Loans & Receivables - (CF)	-34Cr	-13Cr	-2.7Cr	-3.4Cr	-7.2Cr
(Gain) Loss On Sale of Asset - (CF)	1Cr	-1.4Cr	-1.3Cr	-1.6Cr	-
(Gain) Loss on Sale of Investments - (CF)	1.6Cr	8.4Cr	-3.1Cr	-2Cr	-2.7Cr
Total Asset Writedown	-	1.3Cr	60L	20L	-
Restructuring Activities	-	-	-	-	-
Provision for Credit Losses	-38Cr	56Cr	52Cr	53Cr	66Cr
Stock-Based Compensation (CF)	12Cr	16Cr	17Cr	16Cr	16Cr
Net (Increase) Decrease in Loans Originated / Sold - Operating	32Cr	288.4Cr	70Cr	-24Cr	-3.1Cr
Change in Trading Asset Securities	-	-	-	-	-
Change In Income Taxes	-22Cr	-51Cr	16Cr	7Cr	-21Cr
Change in Other Net Operating Assets (Collected)	-2.2Cr	72Cr	20Cr	-63Cr	60Cr
Other Operating Activities	7.4Cr	-23Cr	2.3Cr	18Cr	35Cr
Cash from Operations	270.4Cr	642.8Cr	450.9Cr	282.4Cr	451.4Cr
Capital Expenditure	-31Cr	-47Cr	-49Cr	-41Cr	-71Cr
Sale of Property, Plant, and Equipment	4.7Cr	20L	7Cr	8.9Cr	-
Cash Acquisitions	-30Cr	-92Cr	-	-	-3.6Cr
Divestitures	-	6.6Cr	-	60L	-
Purchase / Sale of Intangible Assets	-38Cr	-21Cr	-2.5Cr	50L	-
Investment in Marketable and Equity Securities, Total	-404.9Cr	545.1Cr	-1.29TCr	444Cr	257.2Cr
Net (Increase) Decrease in Loans Originated / Sold - Investing	-300.3Cr	-883.7Cr	380.2Cr	-312.1Cr	-371.1Cr
Other Investing Activities, Total	2.4Cr	4.9Cr	1.4Cr	3.4Cr	3.8Cr
Cash from Investing	-796.8Cr	-487.1Cr	-948.8Cr	103.9Cr	-184.6Cr
Short Term Debt Issued, Total	-	375.7Cr	-	410Cr	476.1Cr
Long-Term Debt Issued, Total	56Cr	402.6Cr	428.6Cr	324.9Cr	108.3Cr
Total Debt Issued	56Cr	778.3Cr	428.6Cr	734.9Cr	584.4Cr
Short Term Debt Repaid, Total	-19Cr	-	-188.1Cr	-253.2Cr	-850Cr
Long-Term Debt Repaid, Total	-360.3Cr	-176.2Cr	-165.7Cr	-528.2Cr	-198.2Cr
Total Debt Repaid	-379.6Cr	-176.2Cr	-353.8Cr	-781.4Cr	-1.05TCr
Repurchase of Common Stock	-139.3Cr	-10Cr	-20Cr	-62Cr	-52Cr
Issuance of Preferred Stock	-	-	-	-	-
Repurchase of Preferred Stock	-	-	-	-	-35Cr
Common Dividends Paid	-	-	-	-	-
Preferred Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-90Cr	-93Cr	-106Cr	-117.6Cr	-116.3Cr
Common & Preferred Stock Dividends Paid	-90Cr	-93Cr	-106Cr	-117.6Cr	-116.3Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	1.07TCr	-599.4Cr	522.2Cr	-166Cr	456.7Cr
Other Financing Activities, Total	-9.9Cr	-8.5Cr	-5.5Cr	-6.5Cr	-7.4Cr
Cash from Financing	511.1Cr	-108.5Cr	465.5Cr	-399.1Cr	-218.3Cr
Net Change in Cash	-15Cr	47Cr	-32Cr	-13Cr	48Cr
Supplemental Items
Cash Interest Paid	46Cr	87Cr	377.6Cr	487.1Cr	397.4Cr
Cash Income Tax Paid (Refund)	61Cr	27Cr	66Cr	20Cr	18Cr
Net Debt Issued / Repaid	-323.4Cr	602.1Cr	75Cr	-46Cr	-463.8Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.33	1.17	1.11	1.08	1.18
Return On Equity %	12.22	12.37	12.87	11.92	12.19
Return on Common Equity	12.91	13.19	13.71	12.46	12.68
Shareholders Value Added	35Cr	38Cr	46Cr	27Cr	30Cr
Margin Analysis
SG&A Margin	43	45.23	45.89	48.34	47.77
Net Interest Income / Total Revenues %	57.49	71.7	71.1	70.82	71.6
EBT Excl. Non-Recurring Items Margin %	42.81	39.7	36.51	36.7	38.43
Income From Continuing Operations Margin %	33.39	31.27	28.66	29.11	30.19
Net Income Margin %	33.39	31.27	28.66	29.11	30.19
Net Avail. For Common Margin %	31.96	29.76	26.99	27.11	28.44
Normalized Net Income Margin	26.76	24.81	22.82	22.94	24.02
Asset quality
Nonperforming Loans / Total Loans %	0.46	0.42	0.55	0.69	0.68
Nonperforming Loans / Total Assets %	0.24	0.25	0.3	0.39	0.39
Nonperforming Assets / Total Assets %	0.26	0.26	0.32	0.4	0.4
NPAs / Loans and OREO	0.48	0.44	0.59	0.72	0.7
NPAs / Equity	2.44	3.11	3.59	4.38	3.99
Allowance for Credit Losses / Net Charge-offs %	1.09T	966.52	598.45	442.11	305.28
Allowance for Credit Losses / Nonperforming Loans %	368.81	426.02	357.23	283.37	269.18
Allowance for Credit Losses / Total Loans %	1.68	1.8	1.98	1.96	1.83
Net Charge-offs / Total Average Loans %	0.15	0.19	0.32	0.45	0.6
Provision for Loan Losses / Net Charge-offs %	-216.67	248.02	132.73	99.62	89.7
Earning Assets / IBL	159.68	155.76	139.36	133.25	134.74
Interest Income / Average Assets	2.53	3.18	4.68	4.9	4.68
Interest Expense / Average Assets	0.21	0.47	1.89	2.25	1.85
Net Interest Income / Average Assets	2.31	2.71	2.8	2.65	2.83
Non Interest Income / Average Assets	1.53	1.34	1.38	1.34	1.44
Non Interest Expense / Average Asset	2.3	2.28	2.5	2.36	2.43
Capital And Funding
Total Average Common Equity / Total Average Assets %	9.88	8.43	7.65	8.09	8.77
Total Average Equity / Total Average Assets %	10.9	9.45	8.65	9.08	9.68
Total Equity + Allowance for Loan Losses / Total Loans %	21.46	16.04	18.29	18.3	19.49
Gross Loans / Total Deposits %	66.32	74.36	69.57	71.85	71.61
Net Loans / Total Deposits %	65.06	72.87	68.03	70.22	70.07
Tier 1 Capital Ratio %	10.91	10.53	11.59	11.86	11.87
Total Capital Ratio %	13.42	12.79	13.72	13.86	13.78
Core Tier 1 Capital Ratio	9.54	9.28	10.29	10.57	10.81
Tier 2 Capital Ratio	2.51	2.26	2.13	2.01	1.91
Equity Tier 1 Capital Ratio	6.94	7.3	7.67	8.03	8.46
Coverage Ratio	139.94	158.07	487.82	378.14	366.34
Leverage Ratio %	8.27	8.56	8.73	9.22	9.41
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	10.21	6.82	3.98	3.75	4.31
EBT + Interest Expense / Interest Expense	8.98	4.16	1.76	1.61	1.82
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-0.25	17.59	3.89	-3.38	6.25
Non Interest Income, 1 Yr. Growth %	9.87	-11.84	3.82	-1.14	6.53
Provision For Loan Losses, 1 Yr. Growth %	-134.37	-249.34	-8.53	2.91	24.91
Total Revenues, 1 Yr. Growth %	26.63	-5.71	4.76	-2.99	5.11
Earnings From Cont. Operations, 1 Yr. Growth %	94.11	-11.7	-3.97	-1.49	8.99
Net Income, 1 Yr. Growth %	94.11	-11.7	-3.97	-1.49	8.99
Normalized Net Income, 1 Yr. Growth %	92.83	-12.56	-3.67	-2.47	10.12
Diluted EPS Before Extra, 1 Yr. Growth %	103.83	-10.19	-3.88	-2.48	12.42
Dividend Per Share, 1 Yr. Growth %	5.56	10.53	7.94	5.88	6.94
Gross Loans, 1 Yr. Growth %	2.96	8.39	-3.46	2.27	2.38
Allowance For Loan Losses, 1 Yr. Growth %	-22.87	15.96	5.83	1.29	-4.21
Net Loans, 1 Yr. Growth %	3.6	8.29	-3.67	2.2	2.52
Non Performing Loans, 1 Yr. Growth %	-38.93	0.39	26.21	27.69	0.84
Non Performing Assets, 1 Yr. Growth %	-37.7	-0.55	27.83	24.82	0.81
Total Assets, 1 Yr. Growth %	3.14	-1.74	3.43	-0.77	0.68
Total Deposits, 1 Yr Growth %	6.44	-3.33	3.19	-0.98	2.73
Tangible Book Value, 1 Yr. Growth %	-7.07	-34.34	18.61	4.24	19.3
Average Interest Earning Assets, 1 Yr. Growth %	6.77	1.06	2.91	1.59	-0.78
Average Interest Bearing Liabilities, 1 Yr. Growth %	-2.98	3.6	15.02	6.25	-1.87
Common Equity, 1 Yr. Growth %	-4.29	-24.3	12.13	2.77	13.83
Total Equity, 1 Yr. Growth %	-3.9	-21.99	10.65	2.47	10.58
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-0.28	8.3	10.53	0.19	1.32
Non Interest Income, 2 Yr. CAGR %	-6.03	-1.58	-4.33	1.31	2.64
Provision For Loan Losses, 2 Yr. CAGR %	-10.53	-28.36	16.88	-2.98	13.38
Total Revenues, 2 Yr. CAGR %	2.53	9.27	-0.62	0.81	0.98
Earnings From Cont. Operations, 2 Yr. CAGR %	5.01	30.92	-7.91	-2.74	3.62
Net Income, 2 Yr. CAGR %	5.01	30.92	-7.91	-2.74	3.62
Normalized Net Income, 2 Yr. CAGR %	4.58	29.85	-8.22	-3.07	3.66
Diluted EPS Before Extra, 2 Yr. CAGR %	5.84	35.3	-7.09	-3.19	4.7
Dividend Per Share, 2 Yr. CAGR %	10.13	8.01	9.22	6.9	6.41
Gross Loans, 2 Yr. CAGR %	1.08	5.64	2.29	-0.64	2.33
Allowance For Loan Losses, 2 Yr. CAGR %	25.46	-5.43	10.78	3.54	-1.5
Net Loans, 2 Yr. CAGR %	0.83	5.92	2.14	-0.78	2.36
Non Performing Loans, 2 Yr. CAGR %	-9.4	-21.7	12.56	26.95	13.48
Non Performing Assets, 2 Yr. CAGR %	-11.18	-21.29	12.75	26.32	12.18
Total Assets, 2 Yr. CAGR %	11.65	0.67	0.82	1.31	-0.05
Total Deposits, 2 Yr CAGR %	15.44	1.44	-0.12	1.08	0.86
Tangible Book Value, 2 Yr. CAGR %	1.47	-21.89	-11.75	11.19	11.52
Average Interest Earning Assets, 2 Yr. CAGR %	12.61	3.87	1.98	2.25	0.4
Average Interest Bearing Liabilities, 2 Yr. CAGR %	5.01	0.25	9.16	10.55	2.11
Common Equity, 2 Yr. CAGR %	1.69	-14.88	-7.87	7.35	8.16
Total Equity, 2 Yr. CAGR %	2.35	-13.41	-7.09	6.48	6.45
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	4.83	5.35	6.81	5.68	2.17
Non Interest Income, 3 Yr. CAGR %	3.53	-8.01	0.19	-3.28	3.01
Provision For Loan Losses, 3 Yr. CAGR %	22.12	6.13	-22.28	12.02	5.55
Total Revenues, 3 Yr. CAGR %	7	-0.3	7.74	-1.41	2.22
Earnings From Cont. Operations, 3 Yr. CAGR %	8.1	-0.88	18.07	-5.82	1.03
Net Income, 3 Yr. CAGR %	8.1	-0.88	18.07	-5.82	1.03
Normalized Net Income, 3 Yr. CAGR %	8.07	-1.48	17.55	-6.34	1.11
Diluted EPS Before Extra, 3 Yr. CAGR %	6.82	0.2	20.73	-5.58	1.76
Dividend Per Share, 3 Yr. CAGR %	15.49	10.26	7.99	8.1	6.92
Gross Loans, 3 Yr. CAGR %	5.46	3.46	2.52	2.29	0.36
Allowance For Loan Losses, 3 Yr. CAGR %	19.71	22.21	-1.81	7.52	0.89
Net Loans, 3 Yr. CAGR %	5.37	3.26	2.62	2.16	0.31
Non Performing Loans, 3 Yr. CAGR %	12.12	-6.25	-8.19	17.4	17.57
Non Performing Assets, 3 Yr. CAGR %	9.66	-7.77	-7.48	16.64	17.17
Total Assets, 3 Yr. CAGR %	13.06	6.99	1.59	0.29	1.1
Total Deposits, 3 Yr CAGR %	15.87	8.81	2.02	-0.41	1.63
Tangible Book Value, 3 Yr. CAGR %	7.54	-12.23	-10.22	-6.71	13.83
Average Interest Earning Assets, 3 Yr. CAGR %	12.67	8.62	3.55	1.85	1.23
Average Interest Bearing Liabilities, 3 Yr. CAGR %	8.68	4.54	4.95	8.18	6.24
Common Equity, 3 Yr. CAGR %	10.44	-7.84	-6.69	-4.45	9.47
Total Equity, 3 Yr. CAGR %	10.98	-6.51	-6.04	-4.01	7.83
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	5.7	8.11	7.08	3.25	4.58
Non Interest Income, 5 Yr. CAGR %	5.06	-3.29	0.31	-4.39	1.15
Provision For Loan Losses, 5 Yr. CAGR %	1.91	16.62	20	2.39	-9.61
Total Revenues, 5 Yr. CAGR %	7.67	2.78	3.89	0.14	4.98
Earnings From Cont. Operations, 5 Yr. CAGR %	12.41	2.33	1.38	-1.63	12.06
Net Income, 5 Yr. CAGR %	12.36	2.33	1.38	-1.63	12.06
Normalized Net Income, 5 Yr. CAGR %	12.41	0.44	1.23	-2.12	11.76
Diluted EPS Before Extra, 5 Yr. CAGR %	14.32	3.58	1.02	-1.17	14.04
Dividend Per Share, 5 Yr. CAGR %	16.55	16	12.94	8.9	7.35
Gross Loans, 5 Yr. CAGR %	3.93	5.64	4.18	1.8	2.44
Allowance For Loan Losses, 5 Yr. CAGR %	8.59	12.9	16.05	14.37	-1.69
Net Loans, 5 Yr. CAGR %	3.93	5.62	4.06	1.62	2.52
Non Performing Loans, 5 Yr. CAGR %	-5.28	3.06	12.3	5.84	-0.07
Non Performing Assets, 5 Yr. CAGR %	-6.31	1.72	10.89	4.59	-0.07
Total Assets, 5 Yr. CAGR %	8.23	7.86	8	4.68	0.93
Total Deposits, 5 Yr CAGR %	10.28	9.67	9.19	5.65	1.55
Tangible Book Value, 5 Yr. CAGR %	4.38	-3.96	-0.64	-3.52	-2.09
Average Interest Earning Assets, 5 Yr. CAGR %	7.86	8.09	8.27	6.02	2.28
Average Interest Bearing Liabilities, 5 Yr. CAGR %	6.24	7.05	8.87	6.9	3.8
Common Equity, 5 Yr. CAGR %	6.2	0.46	2.71	-2.04	-1.01
Total Equity, 5 Yr. CAGR %	6.47	1.33	3.36	-1.51	-1.23