Income Statement FIRT NATIPAR

Stocks

FLIC

US3207341062

Banks

Market Closed - Nasdaq Other stock markets 01:30:00 31/05/2025 am IST			5-day change	1st Jan Change
11.87 ^USD	+0.25%		-.--%	-

03/25/03	The First of Long Island Corporation(NasdaqCM:FLIC) dropped from S&P Global BMI Index	CI
03/25/03	The First of Long Island Corporation(NasdaqCM:FLIC) dropped from S&P TMI Index	CI

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Published financial data: FIRT NATIPAR

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	11Cr	11Cr	12Cr	13Cr	14Cr
Interest Income On Investments	2.17Cr	1.67Cr	1.79Cr	2.76Cr	3.02Cr
Interest Income, Total	13Cr	12Cr	13Cr	16Cr	17Cr
Interest On Deposits	2.01Cr	1.01Cr	1.25Cr	5.14Cr	7.28Cr
Total Interest On Borrowings	91.14L	60.26L	60.21L	1.72Cr	2.13Cr
Interest Expense, Total	2.92Cr	1.62Cr	1.85Cr	6.86Cr	9.41Cr
Net Interest Income	10Cr	11Cr	12Cr	8.69Cr	7.32Cr
Service Charges On Deposits	29.62L	29.25L	31.57L	30.34L	33.76L
Trust Income	21.8L	12.22L	-	-	-
Gain (Loss) on Sale of Assets	-	-	-6L	2L	21T
Gain (Loss) on Sale of Invest. & Securities - (Rev)	25.56L	11.04L	-	-34.89L	-
Total Other Non Interest Income	63.88L	73.23L	92.59L	65.51L	86.71L
Non Interest Income, Total	1.41Cr	1.26Cr	1.19Cr	63.36L	1.21Cr
Revenues Before Provison For Loan Losses	12Cr	12Cr	13Cr	9.32Cr	8.53Cr
Provision For Loan Losses	30.06L	-25.73L	23.31L	-3L	4L
Total Revenues	11Cr	12Cr	13Cr	9.35Cr	8.49Cr
Salaries And Other Employee Benefits	3.55Cr	3.8Cr	3.86Cr	3.61Cr	3.76Cr
Occupancy Expense	90.54L	73.71L	96.36L	91.19L	88.87L
Selling General & Admin Expenses, Total	57.66L	65.02L	62.37L	52.7L	58.59L
Total Other Non Interest Expense	1.07Cr	1.23Cr	1.25Cr	1.35Cr	1.28Cr
Non Interest Expense, Total	6.1Cr	6.42Cr	6.7Cr	6.41Cr	6.51Cr
EBT, Excl. Unusual Items	5.21Cr	5.78Cr	5.82Cr	2.95Cr	1.99Cr
Restructuring Charges	-	-32.23L	-	-	-19.34L
Total Merger & Related Restructuring Charges	-	-	-	-	-11.61L
Asset Writedown	-	-2L	-	-	-
Insurance Settlements	-	-	-	-	-
Other Unusual Items	-25.59L	-10.21L	-	-	-
EBT, Incl. Unusual Items	4.95Cr	5.33Cr	5.82Cr	2.95Cr	1.68Cr
Income Tax Expense	83.24L	1.02Cr	1.13Cr	32.29L	-3L
Earnings From Continuing Operations	4.12Cr	4.31Cr	4.69Cr	2.62Cr	1.71Cr
Net Income to Company	4.12Cr	4.31Cr	4.69Cr	2.62Cr	1.71Cr
Net Income - (IS)	4.12Cr	4.31Cr	4.69Cr	2.62Cr	1.71Cr
Preferred Dividend and Other Adjustments	-	-	-	-	-
Net Income to Common Incl Extra Items	4.12Cr	4.31Cr	4.69Cr	2.62Cr	1.71Cr
Net Income to Common Excl. Extra Items	4.12Cr	4.31Cr	4.69Cr	2.62Cr	1.71Cr
Per Share Items
Net EPS - Basic	1.73	1.82	2.05	1.16	0.76
Basic EPS - Continuing Operations	1.73	1.82	2.05	1.16	0.76
Basic Weighted Average Shares Outstanding	2.39Cr	2.37Cr	2.29Cr	2.26Cr	2.25Cr
Net EPS - Diluted	1.72	1.81	2.04	1.16	0.75
Diluted EPS - Continuing Operations	1.72	1.81	2.04	1.16	0.75
Diluted Weighted Average Shares Outstanding	2.39Cr	2.38Cr	2.3Cr	2.26Cr	2.26Cr
Normalized Basic EPS	1.36	1.53	1.59	0.82	0.55
Normalized Diluted EPS	1.36	1.52	1.58	0.81	0.55
Dividend Per Share	0.74	0.78	0.82	0.84	0.84
Payout Ratio	42.28	42.38	39.61	72.1	110.81
Supplemental Items
Effective Tax Rate - (Ratio)	16.81	19.17	19.39	10.96	-1.86
Current Domestic Taxes	96.55L	1.03Cr	1.06Cr	43.78L	72.62L
Total Current Taxes	96.55L	1.03Cr	1.06Cr	43.78L	72.62L
Deferred Domestic Taxes	-13.31L	-56T	7L	-11.49L	-75.74L
Total Deferred Taxes	-13.31L	-56T	7L	-11.49L	-75.74L
Normalized Net Income	3.26Cr	3.61Cr	3.64Cr	1.84Cr	1.24Cr
Non-Cash Pension Expense	-19.1L	-24.6L	-22.62L	1L	-2L
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	17.88L	16.35L	24.66L	12.49L	21.6L
Total Stock-Based Compensation	17.88L	16.35L	24.66L	12.49L	21.6L

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	21Cr	4.37Cr	7.42Cr	6.09Cr	3.83Cr
Investment Securities, Total	48Cr	45Cr	41Cr	38Cr	35Cr
Trading Asset Securities, Total	-	-	-	-	4L
Mortgage Backed Securities	19Cr	29Cr	26Cr	32Cr	27Cr
Total investments	66Cr	73Cr	67Cr	70Cr	63Cr
Gross Loans	303.35Cr	310.6Cr	331.17Cr	324.81Cr	322.16Cr
Allowance For Loan Losses	-3.3Cr	-2.98Cr	-3.14Cr	-2.9Cr	-2.83Cr
Other Adjustments to Gross Loans	-	-10L	-	-	-
Net Loans	300.04Cr	307.52Cr	328.03Cr	321.91Cr	319.33Cr
Gross Property Plant And Equipment	10Cr	9.24Cr	10Cr	10Cr	10Cr
Accumulated Depreciation	-5.37Cr	-4.65Cr	-4.8Cr	-4.99Cr	-5.31Cr
Net Property Plant And Equipment	5.1Cr	4.6Cr	5.56Cr	5.4Cr	4.81Cr
Loans Held For Sale	-	-	-	-	-
Accrued Interest Receivable	97.45L	80L	92L	1.04Cr	1.07Cr
Restricted Cash	-	-	-	-	-
Other Current Assets, Total	-	8L	24L	4L	-
Deferred Tax Assets Long-Term (Collected)	13.75L	39.87L	3.11Cr	2.9Cr	3.62Cr
Other Real Estate Owned And Foreclosed	-	-	-	-	-
Other Long-Term Assets, Total	13Cr	16Cr	16Cr	17Cr	17Cr
Total Assets	406.91Cr	406.88Cr	428.15Cr	423.59Cr	411.93Cr
Liabilities
Accrued Expenses, Total	1.53Cr	1.51Cr	1.45Cr	1.53Cr	1.65Cr
Interest Bearing Deposits	320.36Cr	326.12Cr	203.58Cr	206.75Cr	211.68Cr
Institutional Deposits	12Cr	5.4Cr	10Cr	7.03Cr	7.34Cr
Non-Interest Bearing Deposits	-	-	132.41Cr	113.32Cr	107.47Cr
Total Deposits	332.16Cr	331.52Cr	346.46Cr	327.1Cr	326.49Cr
Short-Term Borrowings	6.54Cr	13Cr	-	7Cr	4L
Current Portion of Long-Term Debt	2Cr	7.53Cr	21Cr	39Cr	23Cr
Current Portion of Leases	24.75L	24.7L	29.54L	35.22L	39.49L
Long-Term Debt	-	-	-	-	-
Federal Home Loan Bank Debt - Long-Term	23Cr	11Cr	20Cr	8.5Cr	20Cr
Long-Term Leases	1.08Cr	87.89L	2.29Cr	2.14Cr	1.8Cr
Accrued Interest Payable	5L	3L	5L	14L	13L
Deferred Tax Liability Non-Current	-	-	-	-	-
Other Non Current Liabilities	-	-	4L	6L	4L
Total Liabilities	366.2Cr	365.5Cr	391.7Cr	385.58Cr	374.05Cr
Common Stock, Total	23.79L	23.24L	22.44L	22.59L	22.6L
Additional Paid In Capital	11Cr	9.35Cr	7.85Cr	7.97Cr	7.97Cr
Retained Earnings	30Cr	32Cr	35Cr	36Cr	35Cr
Comprehensive Income and Other	35.7L	-23.13L	-6.48Cr	-5.77Cr	-5.72Cr
Total Common Equity	41Cr	41Cr	36Cr	38Cr	38Cr
Total Equity	41Cr	41Cr	36Cr	38Cr	38Cr
Total Liabilities And Equity	406.91Cr	406.88Cr	428.15Cr	423.59Cr	411.93Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	2.38Cr	2.31Cr	2.25Cr	2.25Cr	2.26Cr
ECS Total Common Shares Outstanding	2.38Cr	2.32Cr	2.24Cr	2.26Cr	2.26Cr
Book Value / Share	17.11	17.81	16.24	16.83	16.77
Tangible Book Value	41Cr	41Cr	36Cr	38Cr	38Cr
Tangible Book Value Per Share	17.11	17.81	16.24	16.83	16.77
Tangible Book Value Per Share (As Reported)	17.1	-	-	-	-
Average Assets	414.09Cr	415.16Cr	424.71Cr	423.6Cr	422.16Cr
Average Loans	311.05Cr	297.61Cr	327.66Cr	326.09Cr	323.77Cr
Total Debt	32Cr	32Cr	44Cr	57Cr	46Cr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-2.01Cr	-1.91Cr	-1.1Cr	-1.07Cr	-1.18Cr
Net Debt	11Cr	28Cr	36Cr	51Cr	42Cr
Full Time Employees	350	318	303	288	265
Number Of Offices	47	41	41	40	37

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	4.12Cr	4.31Cr	4.69Cr	2.62Cr	1.71Cr
Depreciation, Depletion & Amortization	63.72L	86.79L	63.11L	57.52L	67.33L
Total Depreciation, Depletion & Amortization	63.72L	86.79L	63.11L	57.52L	67.33L
Gain (Loss) on Sale of Loans & Receivables - (CF)	-	-	-	-	-
(Gain) Loss On Sale of Asset - (CF)	-	-	6L	-2L	-21T
(Gain) Loss on Sale of Investments - (CF)	-7L	11.43L	15.78L	57.16L	24.36L
Total Asset Writedown	-	-	-	-	-
Provision for Credit Losses	30.06L	-25.73L	23.31L	-3L	4L
Stock-Based Compensation (CF)	17.88L	16.35L	24.66L	12.49L	21.6L
Change in Other Net Operating Assets (Collected)	-42.82L	6L	-62.71L	-33.74L	-38.93L
Other Operating Activities	-13.48L	-17.63L	-24.76L	-28.54L	-99L
Cash from Operations	4.6Cr	5.08Cr	5.14Cr	3.22Cr	1.5Cr
Capital Expenditure	-30.08L	-76.97L	-35.98L	-28.62L	-14.68L
Sale of Property, Plant, and Equipment	-	-	66.01L	22.91L	4L
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	3.91Cr	-8.34Cr	-2.45Cr	-1.9Cr	6.73Cr
Net (Increase) Decrease in Loans Originated / Sold - Investing	15Cr	-7.22Cr	-21Cr	6.16Cr	2.55Cr
Other Investing Activities, Total	1.01Cr	-2.07Cr	-48.39L	-62.96L	55.23L
Cash from Investing	20Cr	-18Cr	-23Cr	3.56Cr	9.73Cr
Short Term Debt Issued, Total	-	6.49Cr	-	7Cr	-
Long-Term Debt Issued, Total	12Cr	-	30Cr	28Cr	35Cr
Total Debt Issued	12Cr	6.49Cr	30Cr	34Cr	35Cr
Short Term Debt Repaid, Total	-13Cr	-	-12Cr	-	-7Cr
Long-Term Debt Repaid, Total	-21Cr	-6.07Cr	-7.53Cr	-21Cr	-39Cr
Total Debt Repaid	-34Cr	-6.07Cr	-20Cr	-21Cr	-46Cr
Issuance of Common Stock	-	6L	3L	-	-
Repurchase of Common Stock	-81.23L	-1.45Cr	-1.79Cr	-28T	-22.18L
Common Dividends Paid	-1.74Cr	-1.83Cr	-1.86Cr	-1.89Cr	-1.89Cr
Common & Preferred Stock Dividends Paid	-1.74Cr	-1.83Cr	-1.86Cr	-1.89Cr	-1.89Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	18Cr	-63.43L	15Cr	-19Cr	-61.28L
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	-7.26Cr	-3.43Cr	21Cr	-8.11Cr	-13Cr
Net Change in Cash	17Cr	-17Cr	3.05Cr	-1.33Cr	-2.26Cr
Supplemental Items
Cash Interest Paid	2.95Cr	1.67Cr	1.71Cr	6.43Cr	9.28Cr
Cash Income Tax Paid (Refund)	75.82L	1.16Cr	1.16Cr	36.76L	77.98L
Net Debt Issued / Repaid	-22Cr	42.04L	9.97Cr	13Cr	-11Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	1.01	1.06	1.12	0.62	0.41
Return On Equity %	10.35	10.5	12.06	7.05	4.5
Return on Common Equity	10.35	10.5	12.06	7.05	4.5
Shareholders Value Added	-65.71L	-41.52L	2L	-1.84Cr	-2.65Cr
Margin Analysis
SG&A Margin	44.49	42.53	43.52	54.01	61.59
Net Interest Income / Total Revenues %	90.2	87.58	92.39	92.88	86.21
EBT Excl. Non-Recurring Items Margin %	46.05	47.4	46.48	31.51	23.38
Income From Continuing Operations Margin %	36.43	35.33	37.47	28.06	20.11
Net Income Margin %	36.43	35.33	37.47	28.06	20.11
Net Avail. For Common Margin %	36.43	35.33	37.47	28.06	20.11
Normalized Net Income Margin	28.78	29.62	29.05	19.69	14.61
Asset quality
Nonperforming Loans / Total Loans %	0.04	0.04	-	0.03	0.1
Nonperforming Loans / Total Assets %	0.03	0.03	-	0.02	0.08
Nonperforming Assets / Total Assets %	0.03	0.03	0.03	0.02	0.08
NPAs / Loans and OREO	0.04	0.04	0.04	0.03	0.1
NPAs / Equity	0.28	0.3	0.34	0.28	0.85
Allowance for Credit Losses / Net Charge-offs %	1.54T	4.71T	4.31T	1.37T	2.78T
Allowance for Credit Losses / Nonperforming Loans %	2.94T	2.42T	-	2.75T	877.39
Allowance for Credit Losses / Total Loans %	1.09	0.96	0.95	0.89	0.88
Net Charge-offs / Total Average Loans %	0.07	0.02	0.02	0.06	0.03
Provision for Loan Losses / Net Charge-offs %	140.07	-406.48	319.32	-15.42	35.2
Earning Assets / IBL	151.68	168.22	170.64	156.79	152.29
Interest Income / Average Assets	3.17	2.96	3.16	3.67	3.96
Interest Expense / Average Assets	0.7	0.39	0.44	1.62	2.23
Net Interest Income / Average Assets	2.46	2.57	2.72	2.05	1.73
Non Interest Income / Average Assets	0.34	0.3	0.28	0.15	0.29
Non Interest Expense / Average Asset	1.47	1.55	1.58	1.51	1.54
Capital And Funding
Total Average Common Equity / Total Average Assets %	9.75	10.09	9.32	8.74	9.08
Total Average Equity / Total Average Assets %	9.75	10.09	9.32	8.74	9.08
Total Equity + Allowance for Loan Losses / Total Loans %	14.51	14.28	11.96	12.6	12.64
Gross Loans / Total Deposits %	91.33	93.69	95.59	99.3	98.68
Net Loans / Total Deposits %	90.33	92.76	94.68	98.41	97.81
Tier 1 Capital Ratio %	-	-	-	-	-
Total Capital Ratio %	-	-	-	-	-
Core Tier 1 Capital Ratio	-	-	-	-	-
Coverage Ratio	-	-	-	-	-
Leverage Ratio %	9.97	10.23	9.83	10.05	10.12
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	6.43	9.85	10.67	2.71	1.79
EBT + Interest Expense / Interest Expense	2.7	4.3	4.15	1.43	1.18
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	1.86	4.68	8.34	-24.93	-15.71
Non Interest Income, 1 Yr. Growth %	32.75	-10.73	-5.65	-46.59	90.47
Provision For Loan Losses, 1 Yr. Growth %	9.01T	-185.6	-190.59	-113.99	-210.12
Total Revenues, 1 Yr. Growth %	2.13	7.82	2.7	-25.32	-9.19
Earnings From Cont. Operations, 1 Yr. Growth %	-0.85	4.58	8.92	-44.09	-34.92
Net Income, 1 Yr. Growth %	-0.85	4.58	8.92	-44.09	-34.92
Normalized Net Income, 1 Yr. Growth %	-0.57	10.97	1.16	-49.38	-32.61
Diluted EPS Before Extra, 1 Yr. Growth %	2.99	5.23	12.71	-43.14	-35.34
Dividend Per Share, 1 Yr. Growth %	5.71	5.41	5.13	2.44	0
Gross Loans, 1 Yr. Growth %	-4.86	2.39	6.62	-1.92	-0.81
Allowance For Loan Losses, 1 Yr. Growth %	12.8	-9.7	5.37	-7.76	-2.28
Net Loans, 1 Yr. Growth %	-5.02	2.49	6.67	-1.87	-0.8
Non Performing Loans, 1 Yr. Growth %	26.35	10.07	-	-	206.65
Non Performing Assets, 1 Yr. Growth %	26.35	10.07	-45.31	-14.39	206.65
Total Assets, 1 Yr. Growth %	-0.7	-0.01	5.23	-1.07	-2.75
Total Deposits, 1 Yr Growth %	5.65	-0.19	4.51	-5.59	-0.19
Tangible Book Value, 1 Yr. Growth %	4.63	1.64	-11.91	4.28	-0.34
Average Interest Earning Assets, 1 Yr. Growth %	-1.32	0.27	2.43	0.41	-0.69
Average Interest Bearing Liabilities, 1 Yr. Growth %	-7.58	-9.58	0.97	9.28	2.24
Common Equity, 1 Yr. Growth %	4.63	1.64	-11.91	4.28	-0.34
Total Equity, 1 Yr. Growth %	4.63	1.64	-11.91	4.28	-0.34
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-0.23	3.26	6.5	-9.82	-20.45
Non Interest Income, 2 Yr. CAGR %	186.67	8.86	-8.23	-29.01	0.86
Provision For Loan Losses, 2 Yr. CAGR %	30.87	783	-11.94	-64.41	-60.76
Total Revenues, 2 Yr. CAGR %	3.31	4.94	5.23	-12.43	-17.65
Earnings From Cont. Operations, 2 Yr. CAGR %	-0.45	1.83	6.73	-21.96	-39.68
Net Income, 2 Yr. CAGR %	-0.45	1.83	6.73	-21.96	-39.68
Normalized Net Income, 2 Yr. CAGR %	6.33	5.04	5.57	-27.72	-41.6
Diluted EPS Before Extra, 2 Yr. CAGR %	2.72	4.11	8.91	-19.94	-39.37
Dividend Per Share, 2 Yr. CAGR %	7.53	5.56	5.27	3.77	1.21
Gross Loans, 2 Yr. CAGR %	-3.59	-1.3	4.49	2.26	-1.37
Allowance For Loan Losses, 2 Yr. CAGR %	3.5	0.92	-2.46	-1.42	-5.06
Net Loans, 2 Yr. CAGR %	-3.66	-1.33	4.56	2.31	-1.34
Non Performing Loans, 2 Yr. CAGR %	-27.51	17.93	-	-7.66	-
Non Performing Assets, 2 Yr. CAGR %	-27.51	17.93	4.7	-31.57	62.02
Total Assets, 2 Yr. CAGR %	-2.05	-0.36	2.58	2.03	-1.91
Total Deposits, 2 Yr CAGR %	3.76	2.69	2.13	-0.67	-2.93
Tangible Book Value, 2 Yr. CAGR %	2.41	3.13	-5.37	-4.15	1.95
Average Interest Earning Assets, 2 Yr. CAGR %	-0.62	-0.53	1.35	1.41	-0.14
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-4.01	-8.59	-4.45	5.05	5.7
Common Equity, 2 Yr. CAGR %	2.41	3.13	-5.37	-4.15	1.95
Total Equity, 2 Yr. CAGR %	2.41	3.13	-5.37	-4.15	1.95
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	1.85	1.38	4.93	-5.22	-11.83
Non Interest Income, 3 Yr. CAGR %	19.95	94.31	3.79	-23.38	-1.36
Provision For Loan Losses, 3 Yr. CAGR %	-14.76	13.6	313.37	-52.31	-48.13
Total Revenues, 3 Yr. CAGR %	4.24	4.79	4.19	-6.14	-11.36
Earnings From Cont. Operations, 3 Yr. CAGR %	5.47	1.2	4.14	-13.97	-26.55
Net Income, 3 Yr. CAGR %	5.47	1.2	4.14	-13.97	-26.55
Normalized Net Income, 3 Yr. CAGR %	4.99	7.85	3.58	-17.37	-29.39
Diluted EPS Before Extra, 3 Yr. CAGR %	6.35	3.55	6.9	-12.3	-25.45
Dividend Per Share, 3 Yr. CAGR %	8.46	6.82	5.42	4.32	2.5
Gross Loans, 3 Yr. CAGR %	0.93	-1.63	1.27	2.3	1.23
Allowance For Loan Losses, 3 Yr. CAGR %	-0.74	-1.1	2.38	-4.26	-1.7
Net Loans, 3 Yr. CAGR %	0.95	-1.65	1.26	2.37	1.26
Non Performing Loans, 3 Yr. CAGR %	3.91	-16.68	-	-2.09	37.76
Non Performing Assets, 3 Yr. CAGR %	-43.21	-16.68	11.47	-2.09	12.81
Total Assets, 3 Yr. CAGR %	1.47	-1.37	1.47	1.35	0.41
Total Deposits, 3 Yr CAGR %	5.58	2.43	3.29	-0.51	-0.51
Tangible Book Value, 3 Yr. CAGR %	4.73	2.15	-2.15	-2.26	-2.9
Average Interest Earning Assets, 3 Yr. CAGR %	3.55	-0.32	0.45	1.03	0.71
Average Interest Bearing Liabilities, 3 Yr. CAGR %	1.78	-5.91	-5.51	-0.08	4.1
Common Equity, 3 Yr. CAGR %	4.73	2.15	-2.15	-2.26	-2.9
Total Equity, 3 Yr. CAGR %	4.73	2.15	-2.15	-2.26	-2.9
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	6.18	4.4	3.69	-3.26	-6.08
Non Interest Income, 5 Yr. CAGR %	9.97	1.7	7.77	29.89	2.61
Provision For Loan Losses, 5 Yr. CAGR %	-6.98	-5.86	-13.64	-28.59	61.18
Total Revenues, 5 Yr. CAGR %	7.16	5.3	4.63	-2.47	-5.17
Earnings From Cont. Operations, 5 Yr. CAGR %	9.74	6.89	5.97	-8.79	-16.29
Net Income, 5 Yr. CAGR %	9.74	6.89	5.97	-8.79	-16.29
Normalized Net Income, 5 Yr. CAGR %	8.63	6.76	5.28	-8.55	-17.63
Diluted EPS Before Extra, 5 Yr. CAGR %	7.11	6.2	7.36	-6.58	-14.79
Dividend Per Share, 5 Yr. CAGR %	7.31	7.24	7.17	5.59	3.71
Gross Loans, 5 Yr. CAGR %	6.17	4.06	2.34	-0.09	0.21
Allowance For Loan Losses, 5 Yr. CAGR %	3.92	-0.15	-1.43	-1.23	-0.66
Net Loans, 5 Yr. CAGR %	6.2	4.1	2.38	-0.08	0.22
Non Performing Loans, 5 Yr. CAGR %	-4.8	-17.23	-	-13.18	29.46
Non Performing Assets, 5 Yr. CAGR %	-4.8	-17.23	-27.46	-13.18	29.46
Total Assets, 5 Yr. CAGR %	5.39	3	1.91	-0.02	0.1
Total Deposits, 5 Yr CAGR %	7.77	4.91	4.19	1.18	0.76
Tangible Book Value, 5 Yr. CAGR %	10.16	6.23	0.56	-0.42	-0.53
Average Interest Earning Assets, 5 Yr. CAGR %	7.17	4.21	2.66	0.37	0.21
Average Interest Bearing Liabilities, 5 Yr. CAGR %	6.6	1.16	-0.76	-1.67	-1.17
Common Equity, 5 Yr. CAGR %	10.16	6.23	0.56	-0.42	-0.53
Total Equity, 5 Yr. CAGR %	10.16	6.23	0.56	-0.42	-0.53