Cash flow HSBC Holdings plc

Equities

HSBA

GB0005405286

Banks

Market Closed - London S.E. Other stock markets 09:05:16 20/04/2026 pm IST			5-day change	1st Jan Change
1,349.60 ^GBX	-1.14%		+1.29%	+14.98%

17/04	HSBC in Talks to Sell Indonesia Retail Assets as OCBC Emerges as Lead Bidder	MT
17/04	Oversea-Chinese Banking Said to Outbid Rivals for HSBC's Indonesian Retail Business	MT

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Published financial data: HSBC HOLDINGS PLC

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	3.62TCr	5.51TCr	10TCr	11TCr	9.79TCr
Interest Income On Investments	-	-	-	-	-
Interest Income, Total	3.62TCr	5.51TCr	10TCr	11TCr	9.79TCr
Interest On Deposits	969.9Cr	2.24TCr	6.51TCr	7.59TCr	6.31TCr
Interest Expense, Total	969.9Cr	2.24TCr	6.51TCr	7.59TCr	6.31TCr
Net Interest Income	2.65TCr	3.26TCr	3.58TCr	3.27TCr	3.48TCr
Income From Trading Activities	774.4Cr	1.05TCr	1.67TCr	2.11TCr	1.97TCr
Gain (Loss) on Sale of Assets	-	-	15Cr	-175.2Cr	-4.7Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	57Cr	-30L	-300Cr	-	-210Cr
Total Other Non Interest Income	1.48TCr	1.1TCr	1.02TCr	1.26TCr	1.47TCr
Non Interest Income, Total	2.31TCr	2.15TCr	2.4TCr	3.19TCr	3.23TCr
Revenues Before Provison For Loan Losses	4.96TCr	5.41TCr	5.98TCr	6.47TCr	6.71TCr
Provision For Loan Losses	-93Cr	359.2Cr	344.7Cr	341.4Cr	385Cr
Total Revenues	5.05TCr	5.05TCr	5.64TCr	6.13TCr	6.32TCr
Salaries And Other Employee Benefits	1.82TCr	1.79TCr	1.77TCr	1.79TCr	1.89TCr
Amort. of Goodwill & Intang. Assets	143.8Cr	172Cr	211.2Cr	215.8Cr	254Cr
Occupancy Expense	226.1Cr	215.7Cr	164Cr	184.5Cr	197.1Cr
Selling General & Admin Expenses, Total	1.21TCr	1.15TCr	1.09TCr	1.11TCr	1.26TCr
(Income) Loss on Equity Invest.	-304.6Cr	-272.3Cr	-280.7Cr	-291.2Cr	-291.1Cr
Non Interest Expense, Total	3.1TCr	3.06TCr	2.95TCr	3.01TCr	3.31TCr
EBT, Excl. Unusual Items	1.95TCr	1.99TCr	2.68TCr	3.12TCr	3.01TCr
Restructuring Charges	-	-237.8Cr	-	-	-
Impairment of Goodwill	-59Cr	-	28Cr	-7.7Cr	-40Cr
Asset Writedown	-	40L	-	-	-
Other Unusual Items	-	-	325.8Cr	118.7Cr	20Cr
EBT, Incl. Unusual Items	1.89TCr	1.75TCr	3.03TCr	3.23TCr	2.99TCr
Income Tax Expense	421.3Cr	86Cr	578.9Cr	731Cr	677.6Cr
Earnings From Continuing Operations	1.47TCr	1.67TCr	2.46TCr	2.5TCr	2.31TCr
Net Income to Company	1.47TCr	1.67TCr	2.46TCr	2.5TCr	2.31TCr
Minority Interest	-78Cr	-64Cr	-102.6Cr	-102Cr	-85Cr
Net Income - (IS)	1.39TCr	1.6TCr	2.35TCr	2.4TCr	2.23TCr
Preferred Dividend and Other Adjustments	131Cr	121.3Cr	110.1Cr	106.2Cr	118.3Cr
Net Income to Common Incl Extra Items	1.26TCr	1.48TCr	2.24TCr	2.29TCr	2.11TCr
Net Income to Common Excl. Extra Items	1.26TCr	1.48TCr	2.24TCr	2.29TCr	2.11TCr
Per Share Items
Net EPS - Basic	0.62	0.75	1.15	1.25	1.21
Basic EPS - Continuing Operations	0.62	0.75	1.15	1.25	1.21
Basic Weighted Average Shares Outstanding	2.02TCr	1.98TCr	1.95TCr	1.84TCr	1.74TCr
Net EPS - Diluted	0.62	0.74	1.14	1.24	1.2
Diluted EPS - Continuing Operations	0.62	0.74	1.14	1.24	1.2
Diluted Weighted Average Shares Outstanding	2.03TCr	2TCr	1.96TCr	1.85TCr	1.75TCr
Normalized Basic EPS	0.56	0.59	0.81	1.01	1.03
Normalized Diluted EPS	0.56	0.59	0.8	1	1.02
Dividend Per Share	0.25	0.32	0.61	0.66	0.75
Payout Ratio	41.6	40.81	49.26	52	57.28
American Depositary Receipts Ratio (ADR)	1.25	1.25	1.25	1.25	1.25
Supplemental Items
Effective Tax Rate - (Ratio)	22.28	4.9	19.08	22.63	22.66
Total Current Taxes	325Cr	299.1Cr	571.8Cr	611.5Cr	-
Total Deferred Taxes	96Cr	-213.3Cr	7.1Cr	119.5Cr	-
Normalized Net Income	1.14TCr	1.18TCr	1.57TCr	1.85TCr	1.8TCr
Non-Cash Pension Expense	24Cr	4.2Cr	-15Cr	-12Cr	-23Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	51Cr	42Cr	52Cr	58Cr	67Cr
Total Stock-Based Compensation	51Cr	42Cr	52Cr	58Cr	67Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	43TCr	35TCr	31TCr	29TCr	25TCr
Investment Securities, Total	82TCr	81TCr	89TCr	94TCr	1,08300Cr
Trading Asset Securities, Total	44TCr	49TCr	51TCr	57TCr	59TCr
Total investments	1,25600Cr	1,30000Cr	1,39400Cr	1,51600Cr	1,67600Cr
Gross Loans	1,08600Cr	97TCr	99TCr	97TCr	1,03500Cr
Allowance For Loan Losses	-1.14TCr	-1.15TCr	-1.11TCr	-972.8Cr	-1.07TCr
Other Adjustments to Gross Loans	-152.4Cr	-157.7Cr	-186.9Cr	-161.2Cr	-149.1Cr
Net Loans	1,07300Cr	96TCr	97TCr	96TCr	1,02200Cr
Net Property Plant And Equipment	1.32TCr	1.26TCr	1.29TCr	1.16TCr	1.26TCr
Goodwill	503.3Cr	415.6Cr	432.3Cr	411.8Cr	441.9Cr
Other Intangibles, Total	1.56TCr	1.72TCr	816.4Cr	826.6Cr	868.8Cr
Other Receivables	97Cr	123Cr	153.6Cr	131.3Cr	86Cr
Restricted Cash	7.58TCr	12TCr	12TCr	11TCr	12TCr
Other Current Assets, Total	4.46TCr	16TCr	17TCr	7.69TCr	9.18TCr
Deferred Tax Assets Long-Term (Collected)	462.4Cr	749.8Cr	775.4Cr	684.1Cr	723.5Cr
Other Long-Term Assets, Total	3.99TCr	3.52TCr	3.49TCr	3.2TCr	3.38TCr
Total Assets	2,95800Cr	2,96700Cr	3,03900Cr	3,01700Cr	3,23300Cr
Liabilities
Accrued Expenses, Total	1.05TCr	1.24TCr	1.68TCr	1.63TCr	1.61TCr
Interest Bearing Deposits	1,82800Cr	1,65600Cr	1,70600Cr	1,75300Cr	1,91200Cr
Total Deposits	1,82800Cr	1,65600Cr	1,70600Cr	1,75300Cr	1,91200Cr
Short-Term Borrowings	19TCr	29TCr	23TCr	26TCr	24TCr
Current Portion of Long-Term Debt	18TCr	18TCr	24TCr	25TCr	26TCr
Long-Term Debt	17TCr	15TCr	16TCr	17TCr	20TCr
Long-Term Leases	358.6Cr	276.7Cr	281.3Cr	245.9Cr	332Cr
Current Income Taxes Payable	70Cr	113.5Cr	277.7Cr	172.9Cr	303.7Cr
Other Current Liabilities - (Bank / Utility Template)	19TCr	31TCr	29TCr	20TCr	20TCr
Pension & Other Post Retirement Benefits	160.7Cr	109.6Cr	116Cr	101.7Cr	107.1Cr
Deferred Tax Liability Non-Current	467.3Cr	242.2Cr	123.8Cr	131.7Cr	210Cr
Other Non Current Liabilities	17TCr	17TCr	19TCr	17TCr	19TCr
Total Liabilities	2,75100Cr	2,77100Cr	2,84600Cr	2,82500Cr	3,02700Cr
Common Stock, Total	1.03TCr	1.01TCr	963.1Cr	897.3Cr	858.8Cr
Additional Paid In Capital	1.46TCr	1.47TCr	1.47TCr	1.48TCr	11Cr
Retained Earnings	14TCr	15TCr	15TCr	15TCr	17TCr
Comprehensive Income and Other	2.89TCr	1.06TCr	881.2Cr	878.8Cr	1.99TCr
Total Common Equity	20TCr	19TCr	19TCr	18TCr	20TCr
Minority Interest	852.7Cr	854.4Cr	728.1Cr	730Cr	744.1Cr
Total Equity	21TCr	20TCr	19TCr	19TCr	21TCr
Total Liabilities And Equity	2,95800Cr	2,96700Cr	3,03900Cr	3,01700Cr	3,23300Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	2.01TCr	1.97TCr	1.9TCr	1.79TCr	1.71TCr
ECS Total Common Shares Outstanding	2.01TCr	1.97TCr	1.9TCr	1.79TCr	1.71TCr
Book Value / Share	8.76	8.5	8.82	9.26	10.36
Tangible Book Value	18TCr	17TCr	17TCr	17TCr	19TCr
Tangible Book Value Per Share	7.73	7.42	8.16	8.57	9.59
Tangible Book Value Per Share (As Reported)	7.88	7.57	8.19	8.61	9.64
Average Assets	3,01200Cr	3,03100Cr	3,06000Cr	3,06200Cr	3,19800Cr
Average Loans	1,06100Cr	1,02400Cr	96TCr	95TCr	97TCr
Total Debt	54TCr	62TCr	64TCr	69TCr	70TCr
Deposits at Interest - Cash	16TCr	17TCr	17TCr	16TCr	19TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-915.4Cr	-647.8Cr	-688.6Cr	-679.9Cr	-749.4Cr
Net Debt	-58TCr	-49TCr	-44TCr	-44TCr	-46TCr
Equity Method Investments, Total	2.96TCr	2.93TCr	2.73TCr	2.89TCr	2.96TCr
Full Time Employees	2L	2L	2L	2L	2L
Number Of Offices	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	1.39TCr	1.6TCr	2.35TCr	2.4TCr	2.23TCr
Depreciation, Depletion & Amortization	226.1Cr	215.7Cr	163.9Cr	184.5Cr	197.1Cr
Amortization of Goodwill and Intangible Assets - (CF)	26Cr	27Cr	-5Cr	16Cr	14Cr
Total Depreciation, Depletion & Amortization	251.6Cr	242.6Cr	158.9Cr	200.8Cr	211.1Cr
Amortization of Deferred Charges, Total	118.3Cr	144.7Cr	187.7Cr	199.5Cr	240Cr
(Gain) Loss On Sale of Asset - (CF)	-65Cr	265Cr	121.3Cr	18Cr	261.4Cr
(Gain) Loss on Sale of Investments - (CF)	-	-	300Cr	-	100Cr
Total Asset Writedown	59Cr	-	-	7.7Cr	40Cr
Provision for Credit Losses	-52Cr	390.7Cr	371.7Cr	367.4Cr	417Cr
(Income) Loss On Equity Investments - (CF)	-223.8Cr	-177.9Cr	-174Cr	-185Cr	-187.1Cr
Stock-Based Compensation (CF)	47Cr	40Cr	48Cr	53Cr	62Cr
Change in Trading Asset Securities	-1.35TCr	2.85TCr	-7.32TCr	-6.2TCr	-6.2TCr
Change in Other Net Operating Assets (Collected)	-1.51TCr	1.68TCr	4.77TCr	2.75TCr	-7.61TCr
Other Operating Activities	2.19TCr	4.72TCr	-1.4TCr	2.5TCr	-3.48TCr
Cash from Operations	860.9Cr	12TCr	-591Cr	2.11TCr	-14TCr
Capital Expenditure	-108.6Cr	-128.5Cr	-114.5Cr	-134.4Cr	-144.7Cr
Cash Acquisitions	-11Cr	-99Cr	-45Cr	-2.5TCr	-5.1Cr
Divestitures	-	-	-	2.23TCr	-27Cr
Purchase / Sale of Intangible Assets	-247.9Cr	-312.5Cr	-255Cr	-254.2Cr	-321.4Cr
Investment in Marketable and Equity Securities, Total	2.81TCr	-2.56TCr	-5.94TCr	-7TCr	-3.21TCr
Net (Increase) Decrease in Loans Originated / Sold - Investing	305.9Cr	-353Cr	62Cr	-	-
Cash from Investing	2.75TCr	-3.45TCr	-6.29TCr	-7.66TCr	-3.71TCr
Long-Term Debt Issued, Total	-	730Cr	523.7Cr	436.1Cr	383.4Cr
Total Debt Issued	-	730Cr	523.7Cr	436.1Cr	383.4Cr
Long-Term Debt Repaid, Total	-86Cr	-177.7Cr	-214.7Cr	-200Cr	-359.1Cr
Total Debt Repaid	-86Cr	-177.7Cr	-214.7Cr	-200Cr	-359.1Cr
Issuance of Common Stock	-	-	-	-	-
Repurchase of Common Stock	-209.3Cr	-237.6Cr	-642.6Cr	-1.19TCr	-1.02TCr
Issuance of Preferred Stock	199.6Cr	-	200Cr	360.2Cr	409.6Cr
Repurchase of Preferred Stock	-345Cr	-226.6Cr	-400.3Cr	-343.3Cr	-245Cr
Common Dividends Paid	-448Cr	-533Cr	-1.05TCr	-1.14TCr	-1.16TCr
Preferred Dividends Paid	-131Cr	-121.4Cr	-110.1Cr	-106.2Cr	-118.3Cr
Common & Preferred Stock Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-579Cr	-654.4Cr	-1.16TCr	-1.25TCr	-1.28TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	9.57TCr	-9.12TCr	4.5TCr	4.42TCr	17TCr
Special Dividend Paid	-	-	-	-394.2Cr	-
Other Financing Activities, Total	-59Cr	-62Cr	-63Cr	-69Cr	-87Cr
Cash from Financing	8.49TCr	-9.75TCr	2.75TCr	1.78TCr	15TCr
Foreign Exchange Rate Adjustments	-1.53TCr	-3.8TCr	1.06TCr	-1.83TCr	2.72TCr
Net Change in Cash	11TCr	-5.24TCr	-3.07TCr	-5.6TCr	-205.3Cr
Supplemental Items
Cash Interest Paid	1.27TCr	2.29TCr	6.6TCr	8.17TCr	6.88TCr
Cash Income Tax Paid (Refund)	307.7Cr	277.6Cr	411.7Cr	661.1Cr	505.8Cr
Net Debt Issued / Repaid	-86Cr	552.3Cr	309Cr	236.1Cr	24Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.49	0.56	0.82	0.83	0.74
Return On Equity %	7.14	8.28	13	12.99	11.63
Return on Common Equity	6.39	7.68	12.35	12.38	11.01
Shareholders Value Added	-950.96Cr	-535.38Cr	169.33Cr	192.39Cr	-57Cr
Margin Analysis
SG&A Margin	64.57	62.59	53.67	50.3	52.96
Net Interest Income / Total Revenues %	52.47	64.56	63.52	53.44	55.03
EBT Excl. Non-Recurring Items Margin %	38.62	39.4	47.57	50.93	47.63
Income From Continuing Operations Margin %	29.11	33	43.58	40.81	36.59
Net Income Margin %	27.57	31.74	41.76	39.15	35.25
Net Avail. For Common Margin %	24.97	29.34	39.81	37.41	33.38
Normalized Net Income Margin	22.6	23.37	27.91	30.17	28.43
Asset quality
Nonperforming Loans / Total Loans %	1.76	2.02	1.96	2.33	2.39
Nonperforming Loans / Total Assets %	0.64	0.66	0.64	0.75	0.76
Nonperforming Assets / Total Assets %	0.64	0.66	0.64	0.75	0.76
NPAs / Loans and OREO	1.76	2.02	1.96	2.33	2.39
NPAs / Equity	9.22	10.02	10.05	11.81	12.02
Allowance for Credit Losses / Net Charge-offs %	519.02	463.1	303.48	231.67	329.3
Allowance for Credit Losses / Nonperforming Loans %	59.95	58.68	57.3	42.85	43.28
Allowance for Credit Losses / Total Loans %	1.05	1.19	1.12	1	1.03
Net Charge-offs / Total Average Loans %	0.21	0.24	0.38	0.44	0.33
Provision for Loan Losses / Net Charge-offs %	-42.12	144.37	94.33	81.3	118.5
Earning Assets / IBL	121.63	122.16	115.42	109.29	107.99
Interest Income / Average Assets	1.2	1.82	3.3	3.55	3.06
Interest Expense / Average Assets	0.32	0.74	2.13	2.48	1.97
Net Interest Income / Average Assets	0.88	1.08	1.17	1.07	1.09
Non Interest Income / Average Assets	0.77	0.71	0.78	1.04	1.01
Non Interest Expense / Average Asset	1.03	1.01	0.97	0.98	1.04
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.64	6.51	6.06	6.11	6.13
Total Average Equity / Total Average Assets %	6.93	6.8	6.31	6.36	6.37
Total Equity + Allowance for Loan Losses / Total Loans %	19.3	20.5	19.88	19.98	20.19
Gross Loans / Total Deposits %	59.41	58.6	57.9	55.58	54.11
Net Loans / Total Deposits %	58.7	57.81	57.15	54.94	53.47
Tier 1 Capital Ratio %	18.6	16.6	16.9	17.2	17.3
Total Capital Ratio %	21.2	19.3	20	20.6	20.5
Core Tier 1 Capital Ratio	15.8	14.2	14.8	14.9	14.9
Tier 2 Capital Ratio	2.56	2.78	3.17	3.37	3.26
Coverage Ratio	59.95	58.68	57.3	42.85	43.28
Interbank Ratio	141.15	180.86	147.08	139.12	134.31
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	2.95	1.78	1.47	1.43	1.47
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-3.95	23.11	17.84	-8.56	6.3
Non Interest Income, 1 Yr. Growth %	0.93	-6.8	22.69	33.04	1.12
Provision For Loan Losses, 1 Yr. Growth %	-110.53	-487.07	-3.82	-0.96	12.77
Total Revenues, 1 Yr. Growth %	21.31	0.07	21.56	8.7	3.24
Earnings From Cont. Operations, 1 Yr. Growth %	140.91	13.46	51.14	1.79	-7.47
Net Income, 1 Yr. Growth %	166.15	15.22	51.25	1.9	-7.06
Normalized Net Income, 1 Yr. Growth %	115.36	3.48	63.16	17.5	-2.69
Diluted EPS Before Extra, 1 Yr. Growth %	226.32	19.35	58.33	8.77	-3.23
Dividend Per Share, 1 Yr. Growth %	66.67	28	90.62	8.2	13.64
Gross Loans, 1 Yr. Growth %	0.24	-10.65	1.96	-1.37	6.2
Allowance For Loan Losses, 1 Yr. Growth %	-21.32	0.77	-3.71	-12.27	9.98
Net Loans, 1 Yr. Growth %	0.51	-10.79	2	-1.22	6.19
Non Performing Loans, 1 Yr. Growth %	-1.55	2.95	-1.42	17.31	8.88
Non Performing Assets, 1 Yr. Growth %	-1.55	2.95	-1.42	17.31	8.88
Total Assets, 1 Yr. Growth %	-0.88	0.29	3.03	-0.71	7.16
Total Deposits, 1 Yr Growth %	4.84	-9.42	3	2.75	9.1
Tangible Book Value, 1 Yr. Growth %	0.92	-6.45	3.86	-0.15	7.26
Average Interest Earning Assets, 1 Yr. Growth %	5.57	-0.27	0.84	-2.89	4.32
Average Interest Bearing Liabilities, 1 Yr. Growth %	4.33	-0.69	3.81	2.56	5.58
Common Equity, 1 Yr. Growth %	0.92	-5.43	4.22	-0.19	7.16
Total Equity, 1 Yr. Growth %	0.87	-5.2	4	-0.18	6.97
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-6.75	8.74	16.25	3.81	-1.41
Non Interest Income, 2 Yr. CAGR %	-5.15	-3.01	3.32	27.76	16.04
Provision For Loan Losses, 2 Yr. CAGR %	-41.97	-36.17	92.73	-2.4	5.68
Total Revenues, 2 Yr. CAGR %	-2.72	10.18	6.27	14.95	5.95
Earnings From Cont. Operations, 2 Yr. CAGR %	29.9	65.32	29.29	24.04	-2.95
Net Income, 2 Yr. CAGR %	37.3	75.12	30.04	24.14	-2.69
Normalized Net Income, 2 Yr. CAGR %	-0.88	49.28	18.83	38.46	6.98
Diluted EPS Before Extra, 2 Yr. CAGR %	44.7	97.35	35.6	31.23	2.6
Dividend Per Share, 2 Yr. CAGR %	-8.71	46.06	56.2	43.61	10.88
Gross Loans, 2 Yr. CAGR %	0.55	-5.36	-6.38	0.28	2.35
Allowance For Loan Losses, 2 Yr. CAGR %	14.33	-10.96	-	-8.09	-1.77
Net Loans, 2 Yr. CAGR %	0.42	-5.31	-7	0.37	2.41
Non Performing Loans, 2 Yr. CAGR %	17.94	0.67	-	7.54	13.02
Non Performing Assets, 2 Yr. CAGR %	17.94	0.67	-	7.54	13.02
Total Assets, 2 Yr. CAGR %	4.38	-0.3	1.43	1.14	3.15
Total Deposits, 2 Yr CAGR %	9.83	-2.55	-2.97	2.87	5.88
Tangible Book Value, 2 Yr. CAGR %	4.14	-2.83	-1.42	1.84	3.49
Average Interest Earning Assets, 2 Yr. CAGR %	7.2	2.61	-1.09	-1.04	0.65
Average Interest Bearing Liabilities, 2 Yr. CAGR %	5.44	1.79	1.54	3.18	4.06
Common Equity, 2 Yr. CAGR %	3.81	-2.31	-0.98	1.99	3.42
Total Equity, 2 Yr. CAGR %	3.6	-2.21	-0.95	1.89	3.33
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-4.58	2.3	9.08	7.31	4.63
Non Interest Income, 3 Yr. CAGR %	-0.33	-5.7	1.65	12.4	18.16
Provision For Loan Losses, 3 Yr. CAGR %	-19.32	9.23	-26.88	54.37	2.42
Total Revenues, 3 Yr. CAGR %	-0.99	-1.8	10.64	7.07	10.9
Earnings From Cont. Operations, 3 Yr. CAGR %	-0.74	24.17	59.09	19.38	12.49
Net Income, 3 Yr. CAGR %	0.46	29.5	65.1	19.88	12.72
Normalized Net Income, 3 Yr. CAGR %	0.81	0.55	43.73	18.38	23.08
Diluted EPS Before Extra, 3 Yr. CAGR %	-0.53	35.7	81.71	25.99	18.56
Dividend Per Share, 3 Yr. CAGR %	-21.15	2.17	59.62	38.21	32.83
Gross Loans, 3 Yr. CAGR %	1.71	-3.33	-3.04	-4.74	2.21
Allowance For Loan Losses, 3 Yr. CAGR %	9.8	9.62	-8.62	-	-2.42
Net Loans, 3 Yr. CAGR %	1.64	-3.47	-2.99	-5.11	2.27
Non Performing Loans, 3 Yr. CAGR %	12.63	12.72	-0.03	-	7.99
Non Performing Assets, 3 Yr. CAGR %	12.63	12.72	-0.03	-	7.99
Total Assets, 3 Yr. CAGR %	4.96	3	0.61	0.71	3.11
Total Deposits, 3 Yr CAGR %	8.34	3	-0.74	-1.1	4.91
Tangible Book Value, 3 Yr. CAGR %	3.14	0.48	-0.6	-1	3.61
Average Interest Earning Assets, 3 Yr. CAGR %	6.3	4.65	1.08	-1.69	0.72
Average Interest Bearing Liabilities, 3 Yr. CAGR %	4.73	3.35	2.46	1.88	3.98
Common Equity, 3 Yr. CAGR %	2.1	0.64	-1.92	-0.72	3.68
Total Equity, 3 Yr. CAGR %	2.11	0.58	-2.06	-0.69	3.56
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-2.4	2.97	3.26	1.45	4.76
Non Interest Income, 5 Yr. CAGR %	5.02	-1.57	0.6	4.49	7.15
Provision For Loan Losses, 5 Yr. CAGR %	-22.87	15.22	14.3	4.38	-15.27
Total Revenues, 5 Yr. CAGR %	2.53	0.33	1.62	2.8	8.73
Earnings From Cont. Operations, 5 Yr. CAGR %	33.65	7.01	10.33	23.48	30.55
Net Income, 5 Yr. CAGR %	41.21	8.23	11.38	26.57	33.63
Normalized Net Income, 5 Yr. CAGR %	15.71	4.12	7.15	9.74	27.68
Diluted EPS Before Extra, 5 Yr. CAGR %	56.63	9.04	12.59	33.17	44.57
Dividend Per Share, 5 Yr. CAGR %	-13.29	-8.9	3.65	17.08	37.97
Gross Loans, 5 Yr. CAGR %	4.26	-1.4	-0.88	-1.94	-0.92
Allowance For Loan Losses, 5 Yr. CAGR %	7.81	4.23	5.12	2.15	-5.94
Net Loans, 5 Yr. CAGR %	4.23	-1.49	-0.94	-1.98	-0.86
Non Performing Loans, 5 Yr. CAGR %	0.91	5.74	7.72	10.62	5
Non Performing Assets, 5 Yr. CAGR %	0.91	5.74	7.72	10.62	5
Total Assets, 5 Yr. CAGR %	4.49	3.33	3.5	2.13	1.61
Total Deposits, 5 Yr CAGR %	6.53	3.06	3.48	2.95	1.86
Tangible Book Value, 5 Yr. CAGR %	2.89	0.11	1.32	1.05	1.02
Average Interest Earning Assets, 5 Yr. CAGR %	5.09	5.01	3.28	1.77	0.91
Average Interest Bearing Liabilities, 5 Yr. CAGR %	4.73	4.39	3.44	3.29	3.1
Common Equity, 5 Yr. CAGR %	2.48	-0.12	-0.1	0.11	0.18
Total Equity, 5 Yr. CAGR %	2.52	-0.02	-0.17	-0.04	0.07