Cash flow Huntington Bancshares Incorporated

Stocks

HBAN

US4461501045

Banks

Market Closed - Nasdaq Other stock markets 01:30:00 11/07/2026 am IST			5-day change	1st Jan Change
17.87 ^USD	+0.62%		+0.06%	+3.00%

07/07	UBS Adjusts Price Target on Huntington Bancshares to $22 From $21	MT
06/07	Goldman Sachs Adjusts Huntington Bancshares Price Target to $21 From $20	MT

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Published financial data: HUNTINGTON BANCSHARES INCORPORATED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	363.6Cr	481.6Cr	681.1Cr	748.1Cr	809.2Cr
Interest Income On Investments	56Cr	115.3Cr	210.5Cr	244Cr	221.8Cr
Interest Income, Total	419.1Cr	596.9Cr	891.6Cr	992.1Cr	1.03TCr
Interest On Deposits	4.5Cr	36Cr	249.7Cr	357.2Cr	328.2Cr
Total Interest On Borrowings	4.4Cr	33Cr	98Cr	100.4Cr	103.7Cr
Interest Expense, Total	8.9Cr	70Cr	347.7Cr	457.6Cr	431.9Cr
Net Interest Income	410.2Cr	527.3Cr	543.9Cr	534.5Cr	599.1Cr
Service Charges On Deposits	37Cr	38Cr	31Cr	33Cr	39Cr
Trust Income	23Cr	25Cr	33Cr	36Cr	41Cr
Total Mortgage Banking Activities	31Cr	14Cr	11Cr	13Cr	14Cr
Gain (Loss) on Sale of Loans	90L	5.7Cr	1.4Cr	-	-
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	10L	-90L	-2Cr	-3.9Cr	-6.9Cr
Income (Loss) on Equity Invest. (Income Block)	-	-	-	-	-
Total Other Non Interest Income	96Cr	114.7Cr	116.5Cr	123.3Cr	129.3Cr
Non Interest Income, Total	188.1Cr	197.2Cr	190.8Cr	202.2Cr	216.4Cr
Revenues Before Provison For Loan Losses	598.3Cr	724.5Cr	734.7Cr	736.7Cr	815.5Cr
Provision For Loan Losses	2.5Cr	29Cr	40Cr	42Cr	46Cr
Total Revenues	595.8Cr	695.6Cr	694.5Cr	694.7Cr	769.2Cr
Salaries And Other Employee Benefits	219.7Cr	227.4Cr	241.5Cr	253.5Cr	281.5Cr
Amort. of Goodwill & Intang. Assets	4.8Cr	5.3Cr	5Cr	4.7Cr	4.6Cr
Occupancy Expense	21Cr	18Cr	20Cr	17Cr	18Cr
Federal Deposit Insurance	5.1Cr	6.7Cr	30Cr	11Cr	6.5Cr
Selling General & Admin Expenses, Total	154.3Cr	119.9Cr	126.5Cr	134.5Cr	141.6Cr
Total Other Non Interest Expense	32Cr	33Cr	32Cr	30Cr	32Cr
Non Interest Expense, Total	436.7Cr	409.8Cr	456.1Cr	451.1Cr	483.7Cr
EBT, Excl. Unusual Items	159.1Cr	285.8Cr	238.4Cr	243.6Cr	285.5Cr
Restructuring Charges	-	-	-	-3.3Cr	-
Total Merger & Related Restructuring Charges	-	-9.4Cr	-	-	-17Cr
Asset Writedown	-	-	-	-	-
Insurance Settlements	-	-	-	-	-
Legal Settlements	-	-	-	-	-
EBT, Incl. Unusual Items	159.1Cr	276.4Cr	238.4Cr	240.3Cr	268.8Cr
Income Tax Expense	29Cr	52Cr	41Cr	44Cr	46Cr
Earnings From Continuing Operations	129.7Cr	224.9Cr	197.1Cr	196Cr	222.9Cr
Net Income to Company	129.7Cr	224.9Cr	197.1Cr	196Cr	222.9Cr
Minority Interest	-20L	-1.1Cr	-2Cr	-2Cr	-1.8Cr
Net Income - (IS)	129.5Cr	223.8Cr	195.1Cr	194Cr	221.1Cr
Preferred Dividend and Other Adjustments	14Cr	11Cr	13Cr	14Cr	12Cr
Net Income to Common Incl Extra Items	115.3Cr	212.5Cr	181.7Cr	180.1Cr	208.7Cr
Net Income to Common Excl. Extra Items	115.3Cr	212.5Cr	181.7Cr	180.1Cr	208.7Cr
Per Share Items
Net EPS - Basic	0.91	1.47	1.26	1.24	1.41
Basic EPS - Continuing Operations	0.91	1.47	1.26	1.24	1.41
Basic Weighted Average Shares Outstanding	126.24Cr	144.13Cr	144.64Cr	145.14Cr	147.89Cr
Net EPS - Diluted	0.9	1.45	1.24	1.22	1.39
Diluted EPS - Continuing Operations	0.9	1.45	1.24	1.22	1.39
Diluted Weighted Average Shares Outstanding	128.67Cr	146.52Cr	146.8Cr	147.64Cr	150.48Cr
Normalized Basic EPS	0.79	1.23	1.02	1.04	1.19
Normalized Diluted EPS	0.77	1.21	1	1.02	1.17
Dividend Per Share	0.6	0.62	0.62	0.62	0.62
Payout Ratio	68.57	45.13	53	53.92	45.95
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	18.48	18.63	17.32	18.44	17.08
Current Domestic Taxes	37Cr	19Cr	71Cr	45Cr	86Cr
Current Foreign Taxes	10L	50L	80L	1.5Cr	50L
Total Current Taxes	37Cr	20Cr	72Cr	47Cr	86Cr
Deferred Domestic Taxes	-7.6Cr	32Cr	-30Cr	-2.6Cr	-40Cr
Total Deferred Taxes	-7.6Cr	32Cr	-30Cr	-2.6Cr	-40Cr
Normalized Net Income	99Cr	177.52Cr	147Cr	150.25Cr	176.64Cr
Non-Cash Pension Expense	-10L	50L	10L	-60L	-10L
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	14Cr	12Cr	11Cr	13Cr	13Cr
Total Stock-Based Compensation	14Cr	12Cr	11Cr	13Cr	13Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	552.2Cr	670.4Cr	1.01TCr	1.28TCr	1.35TCr
Investment Securities, Total	865.5Cr	859.2Cr	1.14TCr	1.71TCr	1.49TCr
Trading Asset Securities, Total	66Cr	38Cr	52Cr	32Cr	31Cr
Mortgage Backed Securities	3.44TCr	3.42TCr	3.22TCr	2.95TCr	2.97TCr
Total investments	4.37TCr	4.31TCr	4.41TCr	4.69TCr	4.48TCr
Gross Loans	11TCr	12TCr	12TCr	13TCr	15TCr
Allowance For Loan Losses	-203Cr	-212.1Cr	-225.5Cr	-224.4Cr	-253.7Cr
Other Adjustments to Gross Loans	-43Cr	-50Cr	-61Cr	-68Cr	-72Cr
Net Loans	11TCr	12TCr	12TCr	13TCr	15TCr
Gross Property Plant And Equipment	252.9Cr	255.7Cr	255.8Cr	251.5Cr	285.5Cr
Accumulated Depreciation	-104.9Cr	-112.2Cr	-118.4Cr	-117.1Cr	-119.4Cr
Net Property Plant And Equipment	148Cr	143.5Cr	137.4Cr	134.4Cr	166.1Cr
Goodwill	534.9Cr	557.1Cr	556.1Cr	556.1Cr	599.7Cr
Other Intangibles, Total	24Cr	20Cr	14Cr	9.6Cr	14Cr
Investment in FHLB	5.2Cr	31Cr	17Cr	25Cr	29Cr
Loans Held For Sale	167.6Cr	53Cr	52Cr	65Cr	141.5Cr
Accrued Interest Receivable	39Cr	157.3Cr	164.6Cr	219Cr	262.1Cr
Other Real Estate Owned And Foreclosed	3.4Cr	2.5Cr	4.4Cr	3.9Cr	1.4Cr
Other Long-Term Assets, Total	573.3Cr	601.4Cr	594.6Cr	657.2Cr	753.9Cr
Total Assets	17TCr	18TCr	19TCr	20TCr	23TCr
Liabilities
Accrued Expenses, Total	-	-	-	-	-
Interest Bearing Deposits	9.97TCr	11TCr	12TCr	13TCr	14TCr
Institutional Deposits	36Cr	22Cr	45Cr	-	209.2Cr
Non-Interest Bearing Deposits	4.32TCr	3.82TCr	3.1TCr	2.93TCr	3.22TCr
Total Deposits	14TCr	15TCr	15TCr	16TCr	18TCr
Short-Term Borrowings	45Cr	309.7Cr	135.9Cr	82Cr	162.9Cr
Current Portion of Long-Term Debt	131.6Cr	96Cr	72Cr	-	23Cr
Current Portion of Leases	6.4Cr	7Cr	6.6Cr	7.1Cr	7.2Cr
Long-Term Debt	452.6Cr	803.3Cr	851.2Cr	1.13TCr	1.25TCr
Federal Home Loan Bank Debt - Long-Term	22Cr	21Cr	273.1Cr	469.6Cr	451.4Cr
Long-Term Leases	38Cr	33Cr	31Cr	31Cr	36Cr
Trust Preferred Securities (BS)	105.1Cr	48Cr	43Cr	38Cr	-
Pension & Other Post Retirement Benefits	-	-	-	-	-
Other Non Current Liabilities	348.1Cr	403.9Cr	460.8Cr	442.4Cr	483.1Cr
Total Liabilities	15TCr	17TCr	17TCr	18TCr	20TCr
Preferred Stock Redeemable	216.7Cr	216.7Cr	239.4Cr	198.9Cr	273.1Cr
Preferred Stock Convertible	-	-	-	-	-
Total Preferred Equity	216.7Cr	216.7Cr	239.4Cr	198.9Cr	273.1Cr
Common Stock, Total	1.4Cr	1.4Cr	1.5Cr	1.5Cr	1.6Cr
Additional Paid In Capital	1.52TCr	1.53TCr	1.54TCr	1.55TCr	1.72TCr
Retained Earnings	220.2Cr	341.9Cr	432.2Cr	520.4Cr	635.1Cr
Treasury Stock	-7.9Cr	-8Cr	-9.1Cr	-8.6Cr	-9.2Cr
Comprehensive Income and Other	-23Cr	-309.8Cr	-267.6Cr	-286.6Cr	-190.8Cr
Total Common Equity	1.71TCr	1.56TCr	1.7TCr	1.78TCr	2.16TCr
Minority Interest	2.1Cr	3.8Cr	4.5Cr	4.2Cr	3.7Cr
Total Equity	1.93TCr	1.78TCr	1.94TCr	1.98TCr	2.44TCr
Total Liabilities And Equity	17TCr	18TCr	19TCr	20TCr	23TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	143.81Cr	144.3Cr	144.83Cr	145.38Cr	202.98Cr
ECS Total Common Shares Outstanding	143.77Cr	144.31Cr	144.83Cr	145.36Cr	156.77Cr
Book Value / Share	11.91	10.79	11.71	12.21	13.78
Tangible Book Value	1.15TCr	979.8Cr	1.13TCr	1.21TCr	1.55TCr
Tangible Book Value Per Share	8.03	6.79	7.77	8.32	9.87
Tangible Book Value Per Share (As Reported)	-	-	-	-	-
Average Assets	15TCr	18TCr	19TCr	20TCr	21TCr
Average Loans	9.84TCr	12TCr	12TCr	13TCr	14TCr
Total Debt	800.2Cr	1.32TCr	1.41TCr	1.76TCr	1.93TCr
Deposits at Interest - Cash	371.1Cr	490.8Cr	-	-	-
Debt Equivalent of Unfunded Proj. Benefit Obligation	-5.1Cr	-4.8Cr	-4.2Cr	-3.2Cr	-6.9Cr
Net Debt	142.3Cr	588.7Cr	329.1Cr	392.5Cr	489.8Cr
Equity Method Investments, Total	-	-	-	-	-
Full Time Employees	18.44T	19.92T	19.96T	19.93T	20.42T
Number Of Offices	1.09T	1.03T	999	978	1T

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	129.5Cr	223.8Cr	195.1Cr	194Cr	221.1Cr
Depreciation, Depletion & Amortization	34Cr	43Cr	75Cr	58Cr	72Cr
Amortization of Goodwill and Intangible Assets - (CF)	4.8Cr	5.3Cr	5Cr	4.7Cr	4.6Cr
Total Depreciation, Depletion & Amortization	39Cr	48Cr	80Cr	62Cr	76Cr
(Gain) Loss on Sale of Investments - (CF)	-	-	-	-	5.8Cr
Provision for Credit Losses	2.5Cr	29Cr	40Cr	42Cr	46Cr
Stock-Based Compensation (CF)	13Cr	10Cr	9.7Cr	11Cr	11Cr
Change in Trading Asset Securities	1.6Cr	2.7Cr	-11Cr	7.2Cr	-1Cr
Changes in Accrued Interest Receivable	-	-	-	-	-
Change In Deferred Taxes	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	34Cr	54Cr	-23Cr	-133.2Cr	-65Cr
Other Operating Activities	-13Cr	34Cr	-25Cr	-1.3Cr	-47Cr
Cash from Operations	206.2Cr	402.7Cr	265.7Cr	181.5Cr	248.2Cr
Capital Expenditure	-25Cr	-21Cr	-14Cr	-14Cr	-27Cr
Cash Acquisitions	47Cr	-22Cr	-	-	86Cr
Divestitures	-62Cr	-	-	-	-
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-667.9Cr	-339.6Cr	-9Cr	-304.4Cr	482.5Cr
Net (Increase) Decrease in Loans Originated / Sold - Investing	302.5Cr	-790.2Cr	-283.8Cr	-854.5Cr	-1.15TCr
Other Investing Activities, Total	9.1Cr	13Cr	7.1Cr	-39Cr	-25Cr
Cash from Investing	-396.2Cr	-1.16TCr	-299.7Cr	-1.21TCr	-634.7Cr
Short Term Debt Issued, Total	-	216.1Cr	-	-	78Cr
Long-Term Debt Issued, Total	78Cr	1.1TCr	1.5TCr	766.1Cr	250Cr
Total Debt Issued	78Cr	1.32TCr	1.5TCr	766.1Cr	328.5Cr
Short Term Debt Repaid, Total	-124.5Cr	-	-129.5Cr	-78Cr	-
Long-Term Debt Repaid, Total	-340.4Cr	-801.7Cr	-1.24TCr	-356.3Cr	-205.3Cr
Total Debt Repaid	-464.9Cr	-801.7Cr	-1.37TCr	-434.5Cr	-205.3Cr
Issuance of Common Stock	-	-	-	-	-
Repurchase of Common Stock	-65Cr	-	-	-	-
Issuance of Preferred Stock	49Cr	-	32Cr	-	74Cr
Repurchase of Preferred Stock	-70Cr	-	-8.2Cr	-41Cr	-
Common Dividends Paid	-75Cr	-90Cr	-90Cr	-90Cr	-91Cr
Preferred Dividends Paid	-14Cr	-11Cr	-13Cr	-14Cr	-11Cr
Common & Preferred Stock Dividends Paid	-89Cr	-101Cr	-103.4Cr	-104.6Cr	-101.6Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	650.1Cr	465.1Cr	331.6Cr	1.12TCr	364.6Cr
Other Financing Activities, Total	-4.8Cr	-2.5Cr	-4.6Cr	-5.6Cr	-9Cr
Cash from Financing	83Cr	876.4Cr	376.5Cr	1.3TCr	451.3Cr
Net Change in Cash	-107.3Cr	118.2Cr	342.5Cr	271.8Cr	65Cr
Supplemental Items
Cash Interest Paid	18Cr	63Cr	335.9Cr	454.7Cr	426.7Cr
Cash Income Tax Paid (Refund)	27Cr	-11Cr	9Cr	12Cr	27Cr
Net Debt Issued / Repaid	-387.4Cr	514.8Cr	129.4Cr	331.6Cr	123.2Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.87	1.26	1.06	1	1.04
Return On Equity %	8.03	12.13	10.61	10.01	10.09
Return on Common Equity	8.26	13	11.17	10.38	10.6
Shareholders Value Added	-33Cr	39Cr	4.96Cr	-7.5Cr	-3L
Margin Analysis
SG&A Margin	66.35	52.46	55.93	58.31	57.31
Net Interest Income / Total Revenues %	68.85	75.8	78.32	76.94	77.89
EBT Excl. Non-Recurring Items Margin %	26.7	41.09	34.33	35.07	37.12
Income From Continuing Operations Margin %	21.77	32.33	28.38	28.21	28.98
Net Income Margin %	21.74	32.17	28.09	27.93	28.74
Net Avail. For Common Margin %	19.35	30.55	26.16	25.92	27.13
Normalized Net Income Margin	16.66	25.52	21.17	21.63	22.96
Asset quality
Nonperforming Loans / Total Loans %	0.64	0.47	0.54	0.6	0.62
Nonperforming Loans / Total Assets %	0.41	0.31	0.35	0.38	0.41
Nonperforming Assets / Total Assets %	0.43	0.32	0.38	0.4	0.42
NPAs / Loans and OREO	0.67	0.49	0.58	0.63	0.63
NPAs / Equity	3.88	3.34	3.67	4.16	3.88
Allowance for Credit Losses / Net Charge-offs %	944.19	1.75T	826.01	603.23	802.85
Allowance for Credit Losses / Nonperforming Loans %	283.52	372.76	338.08	286.59	272.5
Allowance for Credit Losses / Total Loans %	1.81	1.77	1.84	1.72	1.69
Net Charge-offs / Total Average Loans %	0.22	0.1	0.22	0.3	0.23
Provision for Loan Losses / Net Charge-offs %	11.63	238.84	147.25	112.9	146.52
Earning Assets / IBL	148.95	142.57	132.18	126.63	125.08
Interest Income / Average Assets	2.75	3.34	4.75	5.06	4.89
Interest Expense / Average Assets	0.06	0.39	1.85	2.33	2.05
Net Interest Income / Average Assets	2.69	2.95	2.9	2.72	2.84
Non Interest Income / Average Assets	1.24	1.1	1.02	1.03	1.03
Non Interest Expense / Average Asset	2.87	2.29	2.43	2.3	2.29
Capital And Funding
Total Average Common Equity / Total Average Assets %	9.4	9.16	8.74	8.82	9.17
Total Average Equity / Total Average Assets %	10.88	10.39	9.98	9.95	10.29
Total Equity + Allowance for Loan Losses / Total Loans %	18.98	16.54	17.63	16.82	17.88
Gross Loans / Total Deposits %	78.42	81.14	81.06	80.47	85.14
Net Loans / Total Deposits %	76.7	79.37	79.17	78.67	83.29
Tier 1 Capital Ratio %	10.99	10.9	11.98	11.9	12
Total Capital Ratio %	13.14	13.09	14.17	14.3	14.2
Core Tier 1 Capital Ratio	9.33	9.36	10.25	10.5	10.4
Tier 2 Capital Ratio	2.15	2.19	2.19	2.39	2.14
Equity Tier 1 Capital Ratio	8.83	6.93	8.14	8.4	9.3
Coverage Ratio	-	-	-	-	-
Leverage Ratio %	8.56	8.6	9.32	8.6	9.3
Interbank Ratio	122.5	84.58	1.42T	-	55.89T
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	37.16	9.3	3.43	3.39	3.59
EBT + Interest Expense / Interest Expense	18.88	4.97	1.69	1.53	1.62
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	27.23	28.55	3.15	-1.73	12.09
Non Interest Income, 1 Yr. Growth %	18.53	4.84	-3.25	5.97	7.02
Provision For Loan Losses, 1 Yr. Growth %	-97.61	1.06T	39.1	4.48	10.24
Total Revenues, 1 Yr. Growth %	58.33	16.75	-0.16	0.03	10.72
Earnings From Cont. Operations, 1 Yr. Growth %	58.75	73.4	-12.36	-0.56	13.72
Net Income, 1 Yr. Growth %	58.51	72.82	-12.82	-0.56	13.97
Normalized Net Income, 1 Yr. Growth %	63.35	24.1	-16.81	2.21	19.2
Diluted EPS Before Extra, 1 Yr. Growth %	30.43	61.11	-14.48	-1.61	13.93
Dividend Per Share, 1 Yr. Growth %	0.83	2.48	0	0	0
Gross Loans, 1 Yr. Growth %	37.33	7.45	2.14	6.63	15.03
Allowance For Loan Losses, 1 Yr. Growth %	11.91	4.48	6.32	-0.49	13.06
Net Loans, 1 Yr. Growth %	37.72	7.47	1.98	6.74	15.11
Non Performing Loans, 1 Yr. Growth %	34.59	-20.53	17.22	17.39	18.9
Non Performing Assets, 1 Yr. Growth %	33.21	-20.8	19.7	15.61	14.96
Total Assets, 1 Yr. Growth %	41.47	5.08	3.53	7.85	10.22
Total Deposits, 1 Yr Growth %	44.79	3.25	2.24	7.42	8.72
Tangible Book Value, 1 Yr. Growth %	33.85	-15.09	14.87	7.45	27.91
Average Interest Earning Assets, 1 Yr. Growth %	29.26	16.65	5.07	4.76	7.75
Average Interest Bearing Liabilities, 1 Yr. Growth %	21.87	21.72	13.32	9.36	9.09
Common Equity, 1 Yr. Growth %	58.58	-9.14	8.96	4.67	21.75
Total Equity, 1 Yr. Growth %	48.68	-8.02	9.17	1.98	23.24
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	12.99	27.89	15.15	0.68	4.95
Non Interest Income, 2 Yr. CAGR %	13.9	11.47	0.72	1.26	6.5
Provision For Loan Losses, 2 Yr. CAGR %	-70.49	-47.49	301	20.55	7.32
Total Revenues, 2 Yr. CAGR %	16.68	35.96	7.97	-0.06	5.24
Earnings From Cont. Operations, 2 Yr. CAGR %	-4.12	65.91	23.27	-6.65	6.34
Net Income, 2 Yr. CAGR %	-4.2	65.51	22.74	-6.9	6.45
Normalized Net Income, 2 Yr. CAGR %	-2.17	70.95	21.71	-6.44	9.62
Diluted EPS Before Extra, 2 Yr. CAGR %	-15.82	44.96	17.38	-8.27	5.88
Dividend Per Share, 2 Yr. CAGR %	2.13	1.65	1.23	0	0
Gross Loans, 2 Yr. CAGR %	21.86	21.12	4.76	4.36	10.75
Allowance For Loan Losses, 2 Yr. CAGR %	61.02	8.13	5.4	2.86	6.07
Net Loans, 2 Yr. CAGR %	21.35	21.3	4.69	4.33	10.85
Non Performing Loans, 2 Yr. CAGR %	23.69	3.42	-3.48	17.31	18.14
Non Performing Assets, 2 Yr. CAGR %	22.72	2.72	-2.63	17.64	15.29
Total Assets, 2 Yr. CAGR %	26.37	21.93	4.3	5.67	9.03
Total Deposits, 2 Yr CAGR %	31.9	22.26	2.74	4.8	8.07
Tangible Book Value, 2 Yr. CAGR %	17.41	6.61	-1.24	11.1	17.24
Average Interest Earning Assets, 2 Yr. CAGR %	18.67	22.72	10.71	4.91	6.25
Average Interest Bearing Liabilities, 2 Yr. CAGR %	12.73	21.79	17.45	11.32	9.22
Common Equity, 2 Yr. CAGR %	27.17	20.04	-0.5	6.79	12.89
Total Equity, 2 Yr. CAGR %	27.98	16.94	0.21	5.51	12.11
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	8.75	17.95	19.04	9.22	4.35
Non Interest Income, 3 Yr. CAGR %	12.39	10.79	6.33	2.44	3.15
Provision For Loan Losses, 3 Yr. CAGR %	-52.62	0.23	-27.34	156.12	17.01
Total Revenues, 3 Yr. CAGR %	11.67	16.71	22.66	5.25	3.41
Earnings From Cont. Operations, 3 Yr. CAGR %	-2.35	16.81	34.12	14.76	-0.3
Net Income, 3 Yr. CAGR %	-2.4	16.62	33.66	14.42	-0.4
Normalized Net Income, 3 Yr. CAGR %	-0.83	19.63	34.25	14.83	0.96
Diluted EPS Before Extra, 3 Yr. CAGR %	-9.14	4.52	21.58	10.67	-1.4
Dividend Per Share, 3 Yr. CAGR %	6.56	2.25	1.1	0.82	0
Gross Loans, 3 Yr. CAGR %	14.34	16.63	14.43	5.38	7.8
Allowance For Loan Losses, 3 Yr. CAGR %	38.03	39.4	7.52	3.4	6.15
Net Loans, 3 Yr. CAGR %	14.02	16.31	14.48	5.37	7.81
Non Performing Loans, 3 Yr. CAGR %	28.18	6.73	7.83	3.03	17.84
Non Performing Assets, 3 Yr. CAGR %	24.68	6.05	8.09	3.1	16.74
Total Assets, 3 Yr. CAGR %	16.96	18.83	15.46	5.47	7.16
Total Deposits, 3 Yr CAGR %	19.11	21.56	15.19	4.28	6.09
Tangible Book Value, 3 Yr. CAGR %	14.79	5.39	9.29	1.58	16.44
Average Interest Earning Assets, 3 Yr. CAGR %	13.22	17.94	16.53	8.69	5.85
Average Interest Bearing Liabilities, 3 Yr. CAGR %	9.57	15.65	18.9	14.69	10.57
Common Equity, 3 Yr. CAGR %	20.06	13.69	16.22	1.19	11.56
Total Equity, 3 Yr. CAGR %	20.28	14.64	14.29	0.79	11.12
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	11.61	11.93	11.27	10.72	13.19
Non Interest Income, 5 Yr. CAGR %	10.34	8.57	7.57	6.88	6.4
Provision For Loan Losses, 5 Yr. CAGR %	-33.41	7.53	11.34	7.91	-15.07
Total Revenues, 5 Yr. CAGR %	12.35	11.11	10.17	9.68	15.37
Earnings From Cont. Operations, 5 Yr. CAGR %	12.74	13.65	7.19	6.79	22.23
Net Income, 5 Yr. CAGR %	12.71	13.54	6.97	6.57	22.03
Normalized Net Income, 5 Yr. CAGR %	6.5	12.91	7.64	7.7	23.8
Diluted EPS Before Extra, 5 Yr. CAGR %	5.15	7.62	0.66	-0.8	15.04
Dividend Per Share, 5 Yr. CAGR %	15.84	12.12	4.4	1.34	0.66
Gross Loans, 5 Yr. CAGR %	10.82	11.28	10.28	11.56	12.95
Allowance For Loan Losses, 5 Yr. CAGR %	26.05	25.14	23.91	23.44	6.94
Net Loans, 5 Yr. CAGR %	10.63	11.08	10.06	11.36	13.01
Non Performing Loans, 5 Yr. CAGR %	11.1	10.27	14.43	10.84	11.84
Non Performing Assets, 5 Yr. CAGR %	9.29	8.83	12.94	10.54	10.91
Total Assets, 5 Yr. CAGR %	11.79	11.91	11.73	13.38	12.84
Total Deposits, 5 Yr CAGR %	13.64	13.94	12.27	14.55	12.28
Tangible Book Value, 5 Yr. CAGR %	11.02	5.76	8.09	7.64	12.4
Average Interest Earning Assets, 5 Yr. CAGR %	12.92	12.06	12.18	12.55	12.3
Average Interest Bearing Liabilities, 5 Yr. CAGR %	11.74	11.31	12.66	13.9	14.93
Common Equity, 5 Yr. CAGR %	13.15	9.82	11.37	10.88	14.88
Total Equity, 5 Yr. CAGR %	13.39	10.44	11.81	10.9	13.41