Cash flow First Internet Bancorp

Stocks

INBK

US3205571017

Banks

Market Closed - Nasdaq 01:30:00 12/09/2026 am IST			5-day change	1st Jan Change
28.00 ^USD	-3.71%		-5.88%	+34.16%

11/09	First Internet Bancorp Completes $20.5 Million Subordinated Notes Offering	MT
11/09	First Internet Bancorp Announced the Completion of A Private Placement of $20.5 Million	CI

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Published financial data: FIRST INTERNET BANCORP

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Interest Income On Loans	12Cr	14Cr	19Cr	23Cr	26Cr
Interest Income On Investments	1.04Cr	1.63Cr	4.71Cr	5.8Cr	6.03Cr
Interest Income, Total	13Cr	16Cr	24Cr	29Cr	32Cr
Interest On Deposits	2.98Cr	4.18Cr	14Cr	18Cr	19Cr
Total Interest On Borrowings	1.75Cr	1.8Cr	2.12Cr	2.14Cr	1.8Cr
Interest Expense, Total	4.73Cr	5.98Cr	16Cr	20Cr	21Cr
Net Interest Income	8.66Cr	9.71Cr	7.49Cr	8.74Cr	11Cr
Total Mortgage Banking Activities	1.5Cr	54.64L	76T	-	-
Gain (Loss) on Sale of Loans	1.16Cr	1.14Cr	2.05Cr	3.33Cr	-83.13L
Gain (Loss) on Sale of Assets	25.23L	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-	-	-	-	-
Total Other Non Interest Income	36.73L	44.21L	55.23L	1.4Cr	1.1Cr
Non Interest Income, Total	3.28Cr	2.13Cr	2.61Cr	4.73Cr	27.12L
Revenues Before Provison For Loan Losses	12Cr	12Cr	10Cr	13Cr	12Cr
Provision For Loan Losses	10.3L	49.77L	1.67Cr	1.71Cr	7.23Cr
Total Revenues	12Cr	11Cr	8.44Cr	12Cr	4.42Cr
Salaries And Other Employee Benefits	3.58Cr	3.95Cr	4.41Cr	4.99Cr	4.98Cr
Occupancy Expense	70.63L	1.07Cr	1.06Cr	1.19Cr	1.37Cr
Federal Deposit Insurance	12.13L	11.52L	38.8L	50L	61.09L
Selling General & Admin Expenses, Total	1.12Cr	1.24Cr	92.8L	1.06Cr	1.07Cr
(Income) Loss on Real Estate Property	-	-	-	-	-
Total Other Non Interest Expense	63.35L	95.11L	1.16Cr	1.27Cr	1.48Cr
Non Interest Expense, Total	6.16Cr	7.33Cr	7.94Cr	9.01Cr	9.5Cr
EBT, Excl. Unusual Items	5.67Cr	4.01Cr	49.4L	2.75Cr	-5.09Cr
Total Merger & Related Restructuring Charges	-2L	-	-	-	-
EBT, Incl. Unusual Items	5.66Cr	4.01Cr	49.4L	2.75Cr	-5.09Cr
Income Tax Expense	84.58L	45.59L	-34.77L	22.66L	-1.57Cr
Earnings From Continuing Operations	4.81Cr	3.55Cr	84.17L	2.53Cr	-3.52Cr
Net Income to Company	4.81Cr	3.55Cr	84.17L	2.53Cr	-3.52Cr
Net Income - (IS)	4.81Cr	3.55Cr	84.17L	2.53Cr	-3.52Cr
Net Income to Common Incl Extra Items	4.81Cr	3.55Cr	84.17L	2.53Cr	-3.52Cr
Net Income to Common Excl. Extra Items	4.81Cr	3.55Cr	84.17L	2.53Cr	-3.52Cr
Per Share Items
Net EPS - Basic	4.85	3.73	0.95	2.91	-4.03
Basic EPS - Continuing Operations	4.85	3.73	0.95	2.91	-4.03
Basic Weighted Average Shares Outstanding	99.18L	95.31L	88.38L	86.9L	87.3L
Net EPS - Diluted	4.82	3.7	0.95	2.88	-4.03
Diluted EPS - Continuing Operations	4.82	3.7	0.95	2.88	-4.03
Diluted Weighted Average Shares Outstanding	99.76L	95.95L	88.59L	87.66L	87.3L
Normalized Basic EPS	3.58	2.63	0.35	1.98	-3.64
Normalized Diluted EPS	3.55	2.61	0.35	1.96	-3.64
Dividend Per Share	0.24	0.24	0.24	0.24	0.24
Payout Ratio	5.02	6.52	25.61	8.22	-5.93
Supplemental Items
Effective Tax Rate - (Ratio)	14.95	11.37	-70.38	8.23	30.87
Current Domestic Taxes	-	-	-	-	-
Total Current Taxes	60.24L	-73T	9L	36.23L	23.95L
Deferred Domestic Taxes	-	-	-	-	-
Total Deferred Taxes	24.34L	46.32L	-43.53L	-13.57L	-1.81Cr
Normalized Net Income	3.55Cr	2.51Cr	30.88L	1.72Cr	-3.18Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	23.93L	20.35L	12.58L	18.14L	12.21L
Total Stock-Based Compensation	23.93L	20.35L	12.58L	18.14L	12.21L

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Assets
Cash And Equivalents	44Cr	26Cr	41Cr	47Cr	46Cr
Investment Securities, Total	24Cr	21Cr	26Cr	25Cr	24Cr
Trading Asset Securities, Total	7L	88.75L	58.16L	2L	2L
Mortgage Backed Securities	43Cr	37Cr	44Cr	59Cr	79Cr
Total investments	66Cr	59Cr	71Cr	84Cr	102.95Cr
Gross Loans	288.77Cr	349.94Cr	384.02Cr	417.06Cr	374.67Cr
Allowance For Loan Losses	-2.78Cr	-3.17Cr	-3.88Cr	-4.48Cr	-5.57Cr
Net Loans	285.98Cr	346.77Cr	380.14Cr	412.59Cr	369.1Cr
Gross Property Plant And Equipment	6.66Cr	8.36Cr	8.83Cr	9.09Cr	9.19Cr
Accumulated Depreciation	-67.25L	-1.09Cr	-1.49Cr	-1.95Cr	-2.4Cr
Net Property Plant And Equipment	5.98Cr	7.27Cr	7.35Cr	7.15Cr	6.79Cr
Goodwill	46.87L	46.87L	46.87L	46.87L	46.87L
Investment in FHLB	2.56Cr	2.84Cr	2.84Cr	2.84Cr	2.84Cr
Loans Held For Sale	4.77Cr	2.15Cr	2.21Cr	5.47Cr	11Cr
Accrued Interest Receivable	4.64Cr	5.7Cr	7.2Cr	9.08Cr	12Cr
Restricted Cash	1.57Cr	-	-	-	-
Other Real Estate Owned And Foreclosed	12.17L	42T	4L	5L	28.17L
Other Long-Term Assets, Total	4.36Cr	4.61Cr	5.14Cr	5.78Cr	6.54Cr
Total Assets	421.1Cr	454.31Cr	516.76Cr	573.79Cr	557.16Cr
Liabilities
Accrued Expenses, Total	3.05Cr	1.45Cr	1.42Cr	1.77Cr	1.51Cr
Interest Bearing Deposits	273.39Cr	278.12Cr	323.97Cr	402Cr	408.77Cr
Institutional Deposits	33Cr	48Cr	70Cr	78Cr	61Cr
Non-Interest Bearing Deposits	12Cr	18Cr	12Cr	14Cr	15Cr
Total Deposits	317.9Cr	344.12Cr	406.7Cr	493.32Cr	483.98Cr
Short-Term Borrowings	-	-	-	2L	2L
Current Portion of Long-Term Debt	11Cr	14Cr	26Cr	5Cr	1Cr
Current Portion of Leases	-	-	-	-	-
Long-Term Debt	10Cr	10Cr	10Cr	11Cr	11Cr
Federal Home Loan Bank Debt - Long-Term	40Cr	47Cr	36Cr	24Cr	24Cr
Long-Term Leases	-	-	-	-	-
Accrued Interest Payable	20.18L	29.13L	38.48L	24.95L	17.44L
Total Liabilities	383.07Cr	417.81Cr	480.48Cr	535.38Cr	521.19Cr
Common Stock, Total	22Cr	19Cr	18Cr	19Cr	19Cr
Retained Earnings	17Cr	21Cr	21Cr	23Cr	19Cr
Comprehensive Income and Other	-1.1Cr	-3.36Cr	-2.94Cr	-3.27Cr	-2.01Cr
Total Common Equity	38Cr	36Cr	36Cr	38Cr	36Cr
Total Equity	38Cr	36Cr	36Cr	38Cr	36Cr
Total Liabilities And Equity	421.1Cr	454.31Cr	516.76Cr	573.79Cr	557.16Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	96.84L	89.49L	86.56L	86.97L	87.17L
ECS Total Common Shares Outstanding	97.54L	90.66L	86.44L	86.68L	86.87L
Book Value / Share	38.99	40.26	41.97	44.31	41.41
Tangible Book Value	38Cr	36Cr	36Cr	38Cr	36Cr
Tangible Book Value Per Share	38.51	39.74	41.43	43.77	40.87
Tangible Book Value Per Share (As Reported)	38.51	39.74	41.43	43.77	40.87
Average Assets	420.59Cr	417.05Cr	496.85Cr	546.27Cr	584.88Cr
Average Loans	299.92Cr	314.22Cr	368.57Cr	399.74Cr	422.31Cr
Total Debt	62Cr	72Cr	72Cr	40Cr	36Cr
Deposits at Interest - Cash	44Cr	24Cr	40Cr	46Cr	45Cr
Net Debt	18Cr	45Cr	31Cr	-6.63Cr	-10Cr
Full Time Employees	282	314	287	323	354
Part Time Employees	4	5	3	3	1
Number Of Offices	-	-	-	-	-

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Net Income	4.81Cr	3.55Cr	84.17L	2.53Cr	-3.52Cr
Depreciation, Depletion & Amortization	87.75L	87.29L	57.48L	84.6L	61.92L
Total Depreciation, Depletion & Amortization	87.75L	87.29L	57.48L	84.6L	61.92L
Gain (Loss) on Sale of Loans & Receivables - (CF)	-2.94Cr	-1.75Cr	-2.1Cr	-3.33Cr	83.13L
(Gain) Loss On Sale of Asset - (CF)	-25.23L	-	-	-27T	3L
(Gain) Loss on Sale of Investments - (CF)	15.13L	-25.69L	-4L	47.71L	-
Total Asset Writedown	-	-	-	-	-
Provision for Credit Losses	17.48L	51.61L	1.68Cr	1.71Cr	7.23Cr
Stock-Based Compensation (CF)	23.93L	20.35L	12.58L	18.14L	12.21L
Net (Increase) Decrease in Loans Originated / Sold - Operating	1.74Cr	3.99Cr	1.45Cr	-76.73L	-3.61Cr
Change in Other Net Operating Assets (Collected)	71.76L	76.79L	-83.2L	39.69L	56.58L
Other Operating Activities	-4L	36.73L	-53.76L	-73.39L	-1.93Cr
Cash from Operations	5.48Cr	8.27Cr	1.17Cr	1.3Cr	34.49L
Capital Expenditure	-2.99Cr	-1.75Cr	-53.67L	-25.92L	-12.28L
Sale of Property, Plant, and Equipment	81.16L	-	-	-	-
Sale (Purchase) of Real Estate Properties (Collected)	-	11.88L	-	6L	5L
Investment in Marketable and Equity Securities, Total	-11Cr	3.39Cr	-11Cr	-14Cr	-18Cr
Net (Increase) Decrease in Loans Originated / Sold - Investing	17Cr	-61Cr	-35Cr	-34Cr	32Cr
Other Investing Activities, Total	44.34L	-62.1L	-44.64L	-1.28Cr	-1.03Cr
Cash from Investing	4.39Cr	-60Cr	-47Cr	-50Cr	13Cr
Long-Term Debt Issued, Total	50Cr	62Cr	48Cr	43Cr	10Cr
Total Debt Issued	50Cr	62Cr	48Cr	43Cr	10Cr
Long-Term Debt Repaid, Total	-48Cr	-52Cr	-48Cr	-75Cr	-15Cr
Total Debt Repaid	-48Cr	-52Cr	-48Cr	-75Cr	-15Cr
Issuance of Common Stock	-	-	-	-	-
Repurchase of Common Stock	-44.36L	-2.78Cr	-93.4L	-3L	-5L
Common Dividends Paid	-24.15L	-23.17L	-21.56L	-20.78L	-20.87L
Common & Preferred Stock Dividends Paid	-24.15L	-23.17L	-21.56L	-20.78L	-20.87L
Net Increase (Decrease) in Deposit Accounts - (CF)	-9.19Cr	26Cr	62Cr	87Cr	-9.34Cr
Other Financing Activities, Total	-4L	-3L	-2L	-2L	-3L
Cash from Financing	-7.56Cr	33Cr	61Cr	54Cr	-14Cr
Net Change in Cash	2.32Cr	-19Cr	15Cr	6.05Cr	-96.33L
Supplemental Items
Cash Interest Paid	4.67Cr	5.89Cr	16Cr	21Cr	21Cr
Cash Income Tax Paid (Refund)	70.45L	20.05L	9L	7L	99T
Net Debt Issued / Repaid	2.37Cr	10Cr	0	-32Cr	-4.55Cr

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Profitability
Return on Assets	1.14	0.81	0.17	0.46	-0.62
Return On Equity %	13.53	9.54	2.31	6.77	-9.46
Return on Common Equity	13.53	9.54	2.31	6.77	-9.46
Shareholders Value Added	55.39L	-91.78L	-3.52Cr	-1.95Cr	-7.98Cr
Margin Analysis
SG&A Margin	45.69	55.22	75.78	61.57	167.93
Net Interest Income / Total Revenues %	73.12	85.64	88.77	74.27	257.62
EBT Excl. Non-Recurring Items Margin %	47.93	35.37	5.85	23.41	-115.2
Income From Continuing Operations Margin %	40.65	31.35	9.98	21.48	-79.64
Net Income Margin %	40.65	31.35	9.98	21.48	-79.64
Net Avail. For Common Margin %	40.65	31.35	9.98	21.48	-79.64
Normalized Net Income Margin	29.96	22.11	3.66	14.63	-72
Asset quality
Nonperforming Loans / Total Loans %	0.26	0.22	0.26	0.68	1.56
Nonperforming Loans / Total Assets %	0.18	0.17	0.19	0.5	1.05
Nonperforming Assets / Total Assets %	0.2	0.17	0.2	0.5	1.1
NPAs / Loans and OREO	0.3	0.22	0.27	0.69	1.64
NPAs / Equity	2.27	2.07	2.85	7.53	17.05
Allowance for Credit Losses / Net Charge-offs %	1.04T	2.94T	340.75	349.21	91.28
Allowance for Credit Losses / Nonperforming Loans %	376.18	421.53	389.22	157.52	95.13
Allowance for Credit Losses / Total Loans %	0.96	0.91	1.01	1.07	1.49
Net Charge-offs / Total Average Loans %	0.09	0.03	0.31	0.32	1.44
Provision for Loan Losses / Net Charge-offs %	38.53	460.41	146.35	133.15	118.54
Earning Assets / IBL	110.71	110.17	107.73	106.81	107.07
Interest Income / Average Assets	3.18	3.76	4.82	5.34	5.47
Interest Expense / Average Assets	1.13	1.43	3.31	3.74	3.53
Net Interest Income / Average Assets	2.06	2.33	1.51	1.6	1.94
Non Interest Income / Average Assets	0.78	0.51	0.53	0.87	0.05
Non Interest Expense / Average Asset	1.47	1.76	1.6	1.65	1.62
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.41	8.51	7.49	6.85	6.58
Total Average Equity / Total Average Assets %	8.41	8.51	7.49	6.85	6.58
Total Equity + Allowance for Loan Losses / Total Loans %	14.14	11.34	10.46	10.28	11.09
Gross Loans / Total Deposits %	90.84	101.69	94.42	84.54	77.41
Net Loans / Total Deposits %	89.96	100.77	93.47	83.63	76.26
Tier 1 Capital Ratio %	12.93	10.93	9.6	9.3	8.97
Total Capital Ratio %	17.37	14.75	13.23	12.62	12.5
Core Tier 1 Capital Ratio	12.93	10.93	9.6	9.3	8.97
Equity Tier 1 Capital Ratio	8.93	7.94	6.94	6.62	6.38
Coverage Ratio	254.49	126.22	389.22	241.72	262.74
Leverage Ratio %	9.22	9.06	7.33	6.9	6.24
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	4.23	3.23	1.23	2.29	-1.82
EBT + Interest Expense / Interest Expense	2.2	1.67	1.03	1.13	0.75
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	34.11	12.17	-22.85	16.65	30.19
Non Interest Income, 1 Yr. Growth %	-9.61	-35.28	22.9	81.22	-94.27
Provision For Loan Losses, 1 Yr. Growth %	-88.95	383.2	234.6	2.5	323.63
Total Revenues, 1 Yr. Growth %	29.29	-4.22	-25.58	39.44	-62.47
Earnings From Cont. Operations, 1 Yr. Growth %	63.36	-26.13	-76.32	200.3	-239.14
Net Income, 1 Yr. Growth %	63.36	-26.13	-76.32	200.3	-239.14
Normalized Net Income, 1 Yr. Growth %	67.37	-29.12	-87.68	457.53	-284.7
Diluted EPS Before Extra, 1 Yr. Growth %	61.2	-23.24	-74.32	203.16	-239.93
Dividend Per Share, 1 Yr. Growth %	0	0	0	0	0
Gross Loans, 1 Yr. Growth %	-5.61	21.18	9.74	8.6	-10.16
Allowance For Loan Losses, 1 Yr. Growth %	-5.57	13.99	22.17	15.46	24.39
Net Loans, 1 Yr. Growth %	-5.61	21.25	9.63	8.53	-10.54
Non Performing Loans, 1 Yr. Growth %	-27.32	1.73	32.32	185.29	105.97
Non Performing Assets, 1 Yr. Growth %	-15.66	-12.15	36.76	179.17	112.26
Total Assets, 1 Yr. Growth %	-0.83	7.89	13.75	11.04	-2.9
Total Deposits, 1 Yr Growth %	-2.81	8.25	18.18	21.3	-1.89
Tangible Book Value, 1 Yr. Growth %	15.14	-4.09	-0.6	5.94	-6.4
Average Interest Earning Assets, 1 Yr. Growth %	-1.94	-1.5	19.25	9.88	7.15
Average Interest Bearing Liabilities, 1 Yr. Growth %	-2.95	-1.01	21.94	10.83	6.89
Common Equity, 1 Yr. Growth %	14.93	-4.04	-0.6	5.86	-6.33
Total Equity, 1 Yr. Growth %	14.93	-4.04	-0.6	5.86	-6.33
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	17.24	22.65	-6.97	-5.14	23.24
Non Interest Income, 2 Yr. CAGR %	39.87	-23.51	-10.81	49.24	-67.78
Provision For Loan Losses, 2 Yr. CAGR %	-58.45	-26.94	302.09	85.2	108.38
Total Revenues, 2 Yr. CAGR %	26.65	11.28	-15.57	1.87	-27.66
Earnings From Cont. Operations, 2 Yr. CAGR %	38.07	9.85	-58.17	-15.67	104.41
Net Income, 2 Yr. CAGR %	38.07	9.85	-58.17	-15.67	104.41
Normalized Net Income, 2 Yr. CAGR %	44.54	8.76	-70.45	-17.12	220.9
Diluted EPS Before Extra, 2 Yr. CAGR %	38.58	11.24	-55.6	-11.77	105.96
Dividend Per Share, 2 Yr. CAGR %	0	0	0	0	0
Gross Loans, 2 Yr. CAGR %	-1.29	6.95	15.32	9.17	-1.22
Allowance For Loan Losses, 2 Yr. CAGR %	12.91	3.75	18.01	18.77	19.84
Net Loans, 2 Yr. CAGR %	-1.4	6.98	15.29	9.08	-1.46
Non Performing Loans, 2 Yr. CAGR %	6.06	-14.01	16.02	94.29	142.41
Non Performing Assets, 2 Yr. CAGR %	-0.59	-13.92	9.61	95.39	143.43
Total Assets, 2 Yr. CAGR %	1.34	3.44	10.78	12.38	3.84
Total Deposits, 2 Yr CAGR %	0.4	2.57	13.11	19.73	9.09
Tangible Book Value, 2 Yr. CAGR %	11.86	5.09	-2.36	2.61	-0.42
Average Interest Earning Assets, 2 Yr. CAGR %	3.67	-1.72	8.38	14.47	8.51
Average Interest Bearing Liabilities, 2 Yr. CAGR %	2.75	-1.98	9.87	16.25	8.84
Common Equity, 2 Yr. CAGR %	11.69	5.02	-2.33	2.58	-0.42
Total Equity, 2 Yr. CAGR %	11.69	5.02	-2.33	2.58	-0.42
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	11.6	15.53	5.09	0.32	5.42
Non Interest Income, 3 Yr. CAGR %	55.35	8.18	-10.41	12.96	-49.66
Provision For Loan Losses, 3 Yr. CAGR %	-35.8	-5.86	21.32	154.96	144.02
Total Revenues, 3 Yr. CAGR %	20.81	15.39	-2.68	-0.2	-26.97
Earnings From Cont. Operations, 3 Yr. CAGR %	30	12.09	-34.13	-19.31	-0.35
Net Income, 3 Yr. CAGR %	30	12.09	-34.13	-19.31	-0.35
Normalized Net Income, 3 Yr. CAGR %	33.3	13.87	-47.38	-21.33	8.25
Diluted EPS Before Extra, 3 Yr. CAGR %	27.97	13.81	-31.76	-15.77	2.89
Dividend Per Share, 3 Yr. CAGR %	0	0	0	0	0
Gross Loans, 3 Yr. CAGR %	2.06	5.7	7.87	13.04	2.3
Allowance For Loan Losses, 3 Yr. CAGR %	15.87	13.27	9.56	17.16	20.61
Net Loans, 3 Yr. CAGR %	1.96	5.64	7.86	13	2.1
Non Performing Loans, 3 Yr. CAGR %	102.67	4.59	-0.73	56.6	98.11
Non Performing Assets, 3 Yr. CAGR %	34.93	-4.6	0.44	49.69	100.86
Total Assets, 3 Yr. CAGR %	5.94	3.48	6.77	10.86	7.04
Total Deposits, 3 Yr CAGR %	5.97	2.95	7.53	15.78	12.04
Tangible Book Value, 3 Yr. CAGR %	9.77	6.27	3.15	0.33	-0.48
Average Interest Earning Assets, 3 Yr. CAGR %	11.12	1.92	4.82	8.88	11.97
Average Interest Bearing Liabilities, 3 Yr. CAGR %	10.51	1.48	5.42	10.19	13.04
Common Equity, 3 Yr. CAGR %	9.62	6.18	3.11	0.33	-0.48
Total Equity, 3 Yr. CAGR %	9.62	6.18	3.11	0.33	-0.48
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	16.88	12.46	3.76	6.77	12
Non Interest Income, 5 Yr. CAGR %	18.46	15.06	24.43	23.04	-40.49
Provision For Loan Losses, 5 Yr. CAGR %	-24.96	0.43	33.74	23.4	50.63
Total Revenues, 5 Yr. CAGR %	19.08	13.7	4.68	9.78	-13.57
Earnings From Cont. Operations, 5 Yr. CAGR %	31.85	18.48	-17.41	0.03	3.61
Net Income, 5 Yr. CAGR %	31.85	18.48	-17.41	0.03	3.61
Normalized Net Income, 5 Yr. CAGR %	25.83	11.83	-27.08	0.28	8.46
Diluted EPS Before Extra, 5 Yr. CAGR %	15.95	11.68	-16.21	2.79	6.15
Dividend Per Share, 5 Yr. CAGR %	0	0	0	0	0
Gross Loans, 5 Yr. CAGR %	18.22	10.85	7.17	7.07	4.14
Allowance For Loan Losses, 5 Yr. CAGR %	20.45	16.22	16.72	15.44	13.56
Net Loans, 5 Yr. CAGR %	18.19	10.8	7.1	7	4.03
Non Performing Loans, 5 Yr. CAGR %	46.87	55.09	62.14	33.99	41.88
Non Performing Assets, 5 Yr. CAGR %	8.62	5.14	24.17	27.08	43.12
Total Assets, 5 Yr. CAGR %	17.83	10.42	7.85	6.95	5.58
Total Deposits, 5 Yr CAGR %	16.79	10.54	8.77	9.36	8.15
Tangible Book Value, 5 Yr. CAGR %	20.27	10.42	4.74	4.79	1.71
Average Interest Earning Assets, 5 Yr. CAGR %	20.73	12.3	10.01	6.76	6.28
Average Interest Bearing Liabilities, 5 Yr. CAGR %	20.24	11.87	10.25	7.15	6.77
Common Equity, 5 Yr. CAGR %	19.83	10.24	4.67	4.72	1.68
Total Equity, 5 Yr. CAGR %	19.83	10.24	4.67	4.72	1.68