INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED

Income Statement Industrial and Commercial Bank of China Limited

Stocks

1398

CNE1000003G1

Banks

Market Closed - Hong Kong S.E. Other stock markets 01:38:13 09/06/2026 pm IST			5-day change	1st Jan Change
6.930 ^HKD	0.00%		+4.21%	+10.17%

04:06pm	Industrial and Commercial Bank of China Limited Announces Redemption of 2021 Undated Additional Tier 1 Capital Bonds (First Tranche)	CI
05:30am	ICBC Completes 20 Billion Yuan Issuance of Undated Additional Tier 1 Capital Bonds	MT

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Published financial data: INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	1,16200Cr	1,28000Cr	1,40500Cr	1,42800Cr	1,33200Cr
Interest Income, Total	1,16200Cr	1,28000Cr	1,40500Cr	1,42800Cr	1,33200Cr
Interest On Deposits	47TCr	59TCr	75TCr	79TCr	70TCr
Interest Expense, Total	47TCr	59TCr	75TCr	79TCr	70TCr
Net Interest Income	69TCr	69TCr	66TCr	64TCr	64TCr
Income From Trading Activities	895.5Cr	861Cr	1.49TCr	1.94TCr	1.85TCr
Gain (Loss) on Sale of Assets	218.2Cr	159Cr	192.5Cr	135.2Cr	54Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	1.64TCr	631.5Cr	2.16TCr	2.3TCr	3.48TCr
Income (Loss) on Equity Invest. (Income Block)	-	-	-	-	-
Total Other Non Interest Income	14TCr	13TCr	11TCr	10TCr	11TCr
Non Interest Income, Total	17TCr	15TCr	15TCr	15TCr	17TCr
Revenues Before Provison For Loan Losses	86TCr	84TCr	81TCr	79TCr	80TCr
Provision For Loan Losses	20TCr	18TCr	15TCr	13TCr	13TCr
Total Revenues	66TCr	66TCr	66TCr	66TCr	67TCr
Salaries And Other Employee Benefits	14TCr	14TCr	14TCr	14TCr	15TCr
Amort. of Goodwill & Intang. Assets	312.5Cr	372.1Cr	442.9Cr	515.7Cr	546.8Cr
Occupancy Expense	2.88TCr	2.9TCr	2.85TCr	2.73TCr	2.74TCr
Selling General & Admin Expenses, Total	-	-	-	-	-
(Income) Loss on Equity Invest.	-286.9Cr	-442.7Cr	-502.2Cr	-451.9Cr	-477.4Cr
Total Other Non Interest Expense	6.49TCr	6.46TCr	6.43TCr	6.52TCr	6.84TCr
Non Operating (Income) Expenses	-	-	-	-	-
Non Interest Expense, Total	23TCr	24TCr	23TCr	24TCr	24TCr
EBT, Excl. Unusual Items	43TCr	43TCr	42TCr	42TCr	43TCr
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-253.3Cr	-347.7Cr	-129.7Cr	-89Cr	-104.8Cr
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	42TCr	42TCr	42TCr	42TCr	42TCr
Income Tax Expense	7.47TCr	6.15TCr	5.68TCr	5.49TCr	5.37TCr
Earnings From Continuing Operations	35TCr	36TCr	37TCr	37TCr	37TCr
Net Income to Company	35TCr	36TCr	37TCr	37TCr	37TCr
Minority Interest	-187.8Cr	-56Cr	-112.3Cr	-108.3Cr	-220.4Cr
Net Income - (IS)	35TCr	36TCr	36TCr	37TCr	37TCr
Preferred Dividend and Other Adjustments	960.7Cr	1.48TCr	1.5TCr	1.5TCr	1.18TCr
Net Income to Common Incl Extra Items	34TCr	35TCr	35TCr	35TCr	36TCr
Net Income to Common Excl. Extra Items	34TCr	35TCr	35TCr	35TCr	36TCr
Per Share Items
Net EPS - Basic	0.95	0.97	0.98	0.98	1
Basic EPS - Continuing Operations	0.95	0.97	0.98	0.98	1
Basic Weighted Average Shares Outstanding	36TCr	36TCr	36TCr	36TCr	36TCr
Net EPS - Diluted	0.95	0.97	0.98	0.98	1
Diluted EPS - Continuing Operations	0.95	0.97	0.98	0.98	1
Diluted Weighted Average Shares Outstanding	36TCr	36TCr	36TCr	36TCr	36TCr
Normalized Basic EPS	0.74	0.75	0.74	0.74	0.74
Normalized Diluted EPS	0.74	0.75	0.74	0.74	0.74
Dividend Per Share	0.29	0.3	0.31	0.31	0.31
Payout Ratio	29.97	33.11	33.83	33.94	39.05
American Depositary Receipts Ratio (ADR)	20	20	20	20	20
Supplemental Items
Effective Tax Rate - (Ratio)	17.58	14.56	13.47	13.01	12.64
Current Domestic Taxes	8.12TCr	7.8TCr	5.98TCr	4.89TCr	5.17TCr
Current Foreign Taxes	195Cr	358.4Cr	521.1Cr	499.8Cr	598.1Cr
Total Current Taxes	8.32TCr	8.16TCr	6.51TCr	5.39TCr	5.77TCr
Total Deferred Taxes	-849.4Cr	-2.01TCr	-820.3Cr	102Cr	-403Cr
Normalized Net Income	27TCr	27TCr	26TCr	26TCr	26TCr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	63TCr	81TCr	1,62300Cr	1,19300Cr	1,33600Cr
Investment Securities, Total	9,93200Cr	11,30800Cr	12,93400Cr	15,04800Cr	17,20800Cr
Trading Asset Securities, Total	35TCr	41TCr	45TCr	80TCr	66TCr
Total investments	10,27800Cr	11,72000Cr	13,38100Cr	15,85300Cr	17,86800Cr
Gross Loans	20,66700Cr	23,21200Cr	26,08600Cr	28,37200Cr	30,50600Cr
Allowance For Loan Losses	-60TCr	-67TCr	-76TCr	-82TCr	-85TCr
Net Loans	20,06300Cr	22,54000Cr	25,33000Cr	27,55700Cr	29,65400Cr
Gross Property Plant And Equipment	53TCr	56TCr	58TCr	60TCr	60TCr
Accumulated Depreciation	-21TCr	-24TCr	-25TCr	-28TCr	-29TCr
Net Property Plant And Equipment	32TCr	33TCr	33TCr	33TCr	32TCr
Goodwill	816.9Cr	879.9Cr	896.7Cr	1.92TCr	1.89TCr
Other Intangibles, Total	1.56TCr	1.49TCr	1.44TCr	1.4TCr	1.35TCr
Accrued Interest Receivable	6.67TCr	7.77TCr	8.38TCr	8.98TCr	9.86TCr
Other Receivables	60TCr	81TCr	51TCr	49TCr	68TCr
Restricted Cash	2,45900Cr	2,64800Cr	2,83300Cr	2,63500Cr	2,66400Cr
Other Current Assets, Total	28TCr	28TCr	15TCr	21TCr	33TCr
Deferred Tax Assets Long-Term (Collected)	7.93TCr	10TCr	10TCr	9TCr	10TCr
Other Real Estate Owned And Foreclosed	621.1Cr	620.4Cr	338.6Cr	321.2Cr	317.3Cr
Deferred Charges Long-Term	-	-	-	-	-
Other Long-Term Assets, Total	37TCr	26TCr	33TCr	34TCr	39TCr
Total Assets	35,17100Cr	39,61000Cr	44,69700Cr	48,82200Cr	53,47800Cr
Liabilities
Accrued Expenses, Total	4.92TCr	5.78TCr	6.07TCr	6.12TCr	6.52TCr
Interest Bearing Deposits	28,14000Cr	31,76000Cr	35,46500Cr	37,93300Cr	41,07200Cr
Non-Interest Bearing Deposits	66TCr	69TCr	74TCr	77TCr	77TCr
Total Deposits	28,80100Cr	32,45300Cr	36,20800Cr	38,70800Cr	41,84600Cr
Short-Term Borrowings	93TCr	1,19200Cr	1,62300Cr	2,29200Cr	3,20500Cr
Current Portion of Long-Term Debt	3.74TCr	14TCr	23TCr	17TCr	18TCr
Current Portion of Leases	831.5Cr	892.3Cr	807.3Cr	674.1Cr	674.1Cr
Long-Term Debt	81TCr	91TCr	1,37700Cr	2,04100Cr	2,23000Cr
Long-Term Leases	2TCr	1.97TCr	1.68TCr	1.42TCr	1.28TCr
Current Income Taxes Payable	9.24TCr	8.56TCr	6.33TCr	3.19TCr	2.34TCr
Accrued Interest Payable	36TCr	46TCr	54TCr	60TCr	54TCr
Other Current Liabilities - (Bank / Utility Template)	-	-	-	-	2.88TCr
Pension & Other Post Retirement Benefits	3.2Cr	1.9Cr	1.2Cr	70L	50L
Deferred Tax Liability Non-Current	562.4Cr	380Cr	393Cr	427.8Cr	655.1Cr
Other Non Current Liabilities	78TCr	76TCr	79TCr	91TCr	1,06700Cr
Total Liabilities	31,89600Cr	36,09600Cr	40,92000Cr	44,83400Cr	49,20600Cr
Preferred Stock Convertible	13TCr	13TCr	13TCr	13TCr	11TCr
Preferred Stock - Others	-	-	-	-	-
Total Preferred Equity	13TCr	13TCr	13TCr	13TCr	11TCr
Common Stock, Total	36TCr	36TCr	36TCr	36TCr	36TCr
Additional Paid In Capital	-	-	-	-	-
Retained Earnings	1,97800Cr	2,65700Cr	2,90200Cr	3,09300Cr	3,34200Cr
Comprehensive Income and Other	79TCr	35TCr	36TCr	39TCr	43TCr
Total Common Equity	3,12300Cr	3,36100Cr	3,62200Cr	3,83500Cr	4,12900Cr
Minority Interest	1.75TCr	1.87TCr	1.97TCr	1.74TCr	2.78TCr
Total Equity	3,27500Cr	3,51400Cr	3,77700Cr	3,98700Cr	4,27200Cr
Total Liabilities And Equity	35,17100Cr	39,61000Cr	44,69700Cr	48,82200Cr	53,47800Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	36TCr	36TCr	36TCr	36TCr	36TCr
ECS Total Common Shares Outstanding	36TCr	36TCr	36TCr	36TCr	36TCr
Book Value / Share	8.15	8.81	9.55	10.23	10.83
Tangible Book Value	3,09900Cr	3,33700Cr	3,59900Cr	3,80200Cr	4,09700Cr
Tangible Book Value Per Share	8.08	8.75	9.48	10.14	10.74
Average Assets	34,74200Cr	37,94600Cr	42,41000Cr	46,88500Cr	51,89800Cr
Average Loans	19,99600Cr	22,24800Cr	25,00700Cr	27,60000Cr	29,87300Cr
Total Debt	1,80600Cr	2,27800Cr	3,25600Cr	4,52300Cr	5,63200Cr
Deposits at Interest - Cash	1,37400Cr	1,86100Cr	2,68900Cr	2,21800Cr	1,69600Cr
Net Debt	-7.01TCr	-611.4Cr	-23TCr	1,09400Cr	2,84900Cr
Equity Method Investments, Total	6.18TCr	6.59TCr	6.48TCr	7.34TCr	7.83TCr
Full Time Employees	4L	4L	4L	4L	4L
Number Of Offices	16.59T	15.64T	15.5T	15.36T	15.43T
Assets on Operating Lease - Gross	18TCr	20TCr	20TCr	22TCr	21TCr
Assets on Operating Lease - Accumulated Depreciation	-4.14TCr	-5.04TCr	-5.43TCr	-6.06TCr	-6.05TCr

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	35TCr	36TCr	36TCr	37TCr	37TCr
Depreciation, Depletion & Amortization	2.82TCr	3.03TCr	3.03TCr	2.96TCr	2.9TCr
Amortization of Goodwill and Intangible Assets - (CF)	312.5Cr	372.1Cr	442.9Cr	515.7Cr	546.8Cr
Total Depreciation, Depletion & Amortization	3.13TCr	3.4TCr	3.48TCr	3.47TCr	3.45TCr
Amortization of Deferred Charges, Total	-	-	-	-	-
(Gain) Loss On Sale of Asset - (CF)	-207.7Cr	-154.8Cr	-181.3Cr	-130.8Cr	-83Cr
(Gain) Loss on Sale of Investments - (CF)	-1.83TCr	-2.28TCr	-2.35TCr	-2.54TCr	-4.13TCr
Total Asset Writedown	1.99TCr	5.08TCr	468.3Cr	-1.13TCr	137.6Cr
Provision for Credit Losses	17TCr	14TCr	14TCr	13TCr	13TCr
(Income) Loss On Equity Investments - (CF)	-286.9Cr	-442.7Cr	-502.2Cr	-451.9Cr	-477.4Cr
Change in Trading Asset Securities	14TCr	-4.52TCr	-2.67TCr	-19TCr	6.78TCr
Change in Other Net Operating Assets (Collected)	-1,28300Cr	-2,07200Cr	-2,27000Cr	-23TCr	-99TCr
Other Operating Activities	-27TCr	-29TCr	-34TCr	-35TCr	-36TCr
Cash from Operations	-86TCr	-1,85200Cr	-2,11700Cr	-29TCr	-79TCr
Capital Expenditure	-2.76TCr	-2.31TCr	-3.12TCr	-4.33TCr	-4.9TCr
Sale of Property, Plant, and Equipment	1.3TCr	1TCr	752.7Cr	1.92TCr	2.11TCr
Investment in Marketable and Equity Securities, Total	-94TCr	-1,22400Cr	-1,22900Cr	-1,93400Cr	-2,81200Cr
Other Investing Activities, Total	28TCr	33TCr	36TCr	49TCr	42TCr
Cash from Investing	-67TCr	-91TCr	-89TCr	-1,47100Cr	-2,41800Cr
Long-Term Debt Issued, Total	84TCr	96TCr	1,42200Cr	2,09300Cr	2,50800Cr
Total Debt Issued	84TCr	96TCr	1,42200Cr	2,09300Cr	2,50800Cr
Long-Term Debt Repaid, Total	-84TCr	-87TCr	-96TCr	-1,46400Cr	-2,32900Cr
Total Debt Repaid	-84TCr	-87TCr	-96TCr	-1,46400Cr	-2,32900Cr
Issuance of Common Stock	-	-	-	5TCr	8TCr
Repurchase of Common Stock	-	-	-	-8TCr	-2.08TCr
Issuance of Preferred Stock	14TCr	-	-	-	-
Repurchase of Preferred Stock	-1.12TCr	-	-	-	-
Common Dividends Paid	-9.84TCr	-11TCr	-12TCr	-12TCr	-14TCr
Preferred Dividends Paid	-604.7Cr	-579.7Cr	-584.2Cr	-581.9Cr	-499.7Cr
Common & Preferred Stock Dividends Paid	-10TCr	-12TCr	-12TCr	-12TCr	-14TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	1,22500Cr	3,25700Cr	3,53400Cr	87TCr	2,68100Cr
Other Financing Activities, Total	-3.46TCr	-3.07TCr	-5.7TCr	-5.91TCr	-5.93TCr
Cash from Financing	1,21300Cr	3,19200Cr	3,82000Cr	1,28800Cr	2,71600Cr
Foreign Exchange Rate Adjustments	-2.91TCr	6.08TCr	1.83TCr	1.13TCr	-2.93TCr
Net Change in Cash	-35TCr	49TCr	83TCr	-47TCr	-52TCr
Supplemental Items
Cash Interest Paid	38TCr	48TCr	67TCr	73TCr	77TCr
Cash Income Tax Paid (Refund)	8.27TCr	8.85TCr	8.73TCr	8.53TCr	6.62TCr
Net Debt Issued / Repaid	-118.2Cr	8.53TCr	47TCr	63TCr	18TCr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.02	0.97	0.87	0.78	0.72
Return On Equity %	11.33	10.64	10.01	9.45	8.98
Return on Common Equity	11.26	10.66	10	9.41	8.96
Shareholders Value Added	-953.56Cr	-2.48TCr	-5.06TCr	-7.64TCr	-10TCr
Margin Analysis
SG&A Margin	25.45	26.04	25.87	26.02	26.01
Net Interest Income / Total Revenues %	104.52	104.71	99.71	96.52	95.02
EBT Excl. Non-Recurring Items Margin %	64.68	64.31	64.43	64.01	63.65
Income From Continuing Operations Margin %	53	54.5	55.58	55.57	55.47
Net Income Margin %	52.72	54.41	55.41	55.4	55.14
Net Avail. For Common Margin %	51.26	52.18	53.13	53.14	53.38
Normalized Net Income Margin	40.14	40.11	40.1	39.84	39.45
Asset quality
Nonperforming Loans / Total Loans %	1.42	1.38	1.36	1.34	1.31
Nonperforming Loans / Total Assets %	0.83	0.81	0.79	0.78	0.75
Nonperforming Assets / Total Assets %	0.85	0.83	0.8	0.78	0.75
NPAs / Loans and OREO	1.45	1.41	1.37	1.35	1.32
NPAs / Equity	9.15	9.32	9.45	9.6	9.41
Allowance for Credit Losses / Net Charge-offs %	656.42	888.86	1.3T	1.14T	785.66
Allowance for Credit Losses / Nonperforming Loans %	205.76	209.3	213.86	214.8	213.46
Allowance for Credit Losses / Total Loans %	2.92	2.9	2.9	2.87	2.79
Net Charge-offs / Total Average Loans %	0.46	0.34	0.23	0.26	0.36
Provision for Loan Losses / Net Charge-offs %	217.54	236.61	257.45	176.42	122.66
Earning Assets / IBL	113.24	111.82	110.81	110.37	109.49
Interest Income / Average Assets	3.35	3.37	3.31	3.05	2.57
Interest Expense / Average Assets	1.36	1.55	1.77	1.69	1.34
Net Interest Income / Average Assets	1.99	1.83	1.54	1.36	1.22
Non Interest Income / Average Assets	0.49	0.39	0.36	0.32	0.32
Non Interest Expense / Average Asset	0.67	0.62	0.55	0.51	0.47
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.78	8.67	8.28	7.97	7.79
Total Average Equity / Total Average Assets %	9.03	9.08	8.65	8.3	8.07
Total Equity + Allowance for Loan Losses / Total Loans %	18.68	17.95	17.3	16.86	16.7
Gross Loans / Total Deposits %	71.76	71.53	72.05	73.3	72.9
Net Loans / Total Deposits %	69.66	69.45	69.96	71.19	70.86
Tier 1 Capital Ratio %	14.94	15.64	15.17	15.36	14.94
Total Capital Ratio %	18.02	19.26	19.1	19.39	18.76
Core Tier 1 Capital Ratio	13.31	14.04	13.72	14.1	13.57
Tier 2 Capital Ratio	3.08	3.62	3.94	4.03	3.82
Coverage Ratio	205.76	209.3	213.86	214.8	213.46
Interbank Ratio	45.35	50.7	53.35	39.74	23.49
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.9	1.72	1.56	1.53	1.61
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	6.79	0.44	-5.34	-2.69	-0.36
Non Interest Income, 1 Yr. Growth %	11.02	-13.19	0.72	-1.8	11.8
Provision For Loan Losses, 1 Yr. Growth %	0.62	-11.69	-16.56	-15.5	5.75
Total Revenues, 1 Yr. Growth %	9.91	0.64	-0.94	0.42	1.22
Earnings From Cont. Operations, 1 Yr. Growth %	10.24	3.09	0.83	0.5	1.04
Net Income, 1 Yr. Growth %	10.27	3.49	0.79	0.51	0.74
Normalized Net Income, 1 Yr. Growth %	7.97	0.77	-1.21	-0.11	0.23
Diluted EPS Before Extra, 1 Yr. Growth %	10.47	2.09	0.96	0.07	2.04
Dividend Per Share, 1 Yr. Growth %	10.26	3.48	0.96	0.52	0.75
Gross Loans, 1 Yr. Growth %	10.97	12.31	12.39	8.76	7.52
Allowance For Loan Losses, 1 Yr. Growth %	13.85	11.34	12.46	7.81	4.5
Net Loans, 1 Yr. Growth %	10.88	12.34	12.39	8.79	7.61
Non Performing Loans, 1 Yr. Growth %	-0.19	9.45	10.07	7.34	5.15
Non Performing Assets, 1 Yr. Growth %	-0.56	9.26	9.96	7.22	5.1
Total Assets, 1 Yr. Growth %	5.48	12.62	12.84	9.23	9.54
Total Deposits, 1 Yr Growth %	4.67	12.68	11.57	6.9	8.11
Tangible Book Value, 1 Yr. Growth %	8.04	7.66	7.82	5.65	7.76
Average Interest Earning Assets, 1 Yr. Growth %	8.66	10.57	12.74	10.58	10.56
Average Interest Bearing Liabilities, 1 Yr. Growth %	8.26	11.98	13.68	11.02	11.45
Common Equity, 1 Yr. Growth %	7.94	7.6	7.76	5.88	7.67
Total Equity, 1 Yr. Growth %	12.57	7.28	7.43	5.58	7.14
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	4.52	3.56	-2.62	-4.02	-1.53
Non Interest Income, 2 Yr. CAGR %	8.8	-1.83	-5.67	-0.55	4.78
Provision For Loan Losses, 2 Yr. CAGR %	6.78	-5.14	-14.1	-16.23	-5.47
Total Revenues, 2 Yr. CAGR %	4.9	4.97	-0.1	-0.21	0.82
Earnings From Cont. Operations, 2 Yr. CAGR %	5.72	6.61	2.11	0.67	0.77
Net Income, 2 Yr. CAGR %	5.63	6.82	2.22	0.65	0.63
Normalized Net Income, 2 Yr. CAGR %	3.86	4	-0.05	-0.66	0.06
Diluted EPS Before Extra, 2 Yr. CAGR %	5.1	6.2	1.53	0.51	1.05
Dividend Per Share, 2 Yr. CAGR %	5.64	6.82	2.21	0.74	0.63
Gross Loans, 2 Yr. CAGR %	11.04	11.64	12.35	10.56	8.14
Allowance For Loan Losses, 2 Yr. CAGR %	12.33	12.59	11.9	10.11	6.14
Net Loans, 2 Yr. CAGR %	11	11.61	12.36	10.58	8.2
Non Performing Loans, 2 Yr. CAGR %	10.53	4.52	9.76	8.7	6.24
Non Performing Assets, 2 Yr. CAGR %	9.24	4.23	9.14	8.58	6.16
Total Assets, 2 Yr. CAGR %	8.08	8.99	12.73	11.02	9.38
Total Deposits, 2 Yr CAGR %	7.61	8.6	12.12	9.21	7.5
Tangible Book Value, 2 Yr. CAGR %	10.67	7.85	7.76	6.73	6.7
Average Interest Earning Assets, 2 Yr. CAGR %	9.11	9.61	11.6	11.66	10.57
Average Interest Bearing Liabilities, 2 Yr. CAGR %	8.4	10.1	12.82	12.34	11.23
Common Equity, 2 Yr. CAGR %	10.52	7.77	7.69	6.81	6.77
Total Equity, 2 Yr. CAGR %	10.3	9.9	7.38	6.5	6.36
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	6.45	3.14	0.42	-2.64	-2.82
Non Interest Income, 3 Yr. CAGR %	-5.44	0.91	-0.41	-4.4	3.41
Provision For Loan Losses, 3 Yr. CAGR %	8.08	0.65	-9.07	-14.7	-9.47
Total Revenues, 3 Yr. CAGR %	2.41	3.33	3	0.11	0.26
Earnings From Cont. Operations, 3 Yr. CAGR %	5.44	4.83	4.75	1.57	0.79
Net Income, 3 Yr. CAGR %	5.38	4.91	4.84	1.65	0.68
Normalized Net Income, 3 Yr. CAGR %	4.32	2.62	2.35	-0.07	-0.37
Diluted EPS Before Extra, 3 Yr. CAGR %	5.03	4.09	4.43	1.04	1.02
Dividend Per Share, 3 Yr. CAGR %	5.38	4.92	4.83	1.64	0.74
Gross Loans, 3 Yr. CAGR %	9.58	11.46	11.89	11.14	9.54
Allowance For Loan Losses, 3 Yr. CAGR %	13.46	12	12.55	10.52	8.21
Net Loans, 3 Yr. CAGR %	9.47	11.45	11.87	11.16	9.58
Non Performing Loans, 3 Yr. CAGR %	7.67	10.17	6.34	8.95	7.5
Non Performing Assets, 3 Yr. CAGR %	7.02	9.24	5.8	8.49	7.41
Total Assets, 3 Yr. CAGR %	8.29	9.57	10.26	11.55	10.52
Total Deposits, 3 Yr CAGR %	8.01	9.28	9.58	10.36	8.84
Tangible Book Value, 3 Yr. CAGR %	11.75	9.66	7.85	7.05	7.07
Average Interest Earning Assets, 3 Yr. CAGR %	9.51	9.59	10.61	11.26	11.29
Average Interest Bearing Liabilities, 3 Yr. CAGR %	8.1	9.58	11.28	12.22	12.04
Common Equity, 3 Yr. CAGR %	11.54	9.54	7.78	7.09	7.1
Total Equity, 3 Yr. CAGR %	11.78	9.29	9.08	6.78	6.71
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	7.92	5.85	2.73	0.16	-0.36
Non Interest Income, 5 Yr. CAGR %	0.11	-6.41	-5.53	0.68	1.64
Provision For Loan Losses, 5 Yr. CAGR %	18.36	7.06	-1.16	-6.45	-7.73
Total Revenues, 5 Yr. CAGR %	3.55	1.98	1.32	1.92	2.14
Earnings From Cont. Operations, 5 Yr. CAGR %	4.64	4.66	4.1	3.21	3.14
Net Income, 5 Yr. CAGR %	4.6	4.73	4.1	3.22	3.13
Normalized Net Income, 5 Yr. CAGR %	3.21	3.3	2.43	1.36	1.43
Diluted EPS Before Extra, 5 Yr. CAGR %	4.34	4.19	3.61	2.65	3.06
Dividend Per Share, 5 Yr. CAGR %	4.59	4.74	4.1	3.22	3.13
Gross Loans, 5 Yr. CAGR %	9.62	10.28	10.68	11.1	10.37
Allowance For Loan Losses, 5 Yr. CAGR %	15.84	14.57	12.83	11.24	9.94
Net Loans, 5 Yr. CAGR %	9.46	10.16	10.62	11.1	10.39
Non Performing Loans, 5 Yr. CAGR %	6.74	7.76	8.5	9.58	6.3
Non Performing Assets, 5 Yr. CAGR %	6.37	7.35	7.86	8.79	5.94
Total Assets, 5 Yr. CAGR %	7.82	8.71	10.04	10.15	9.91
Total Deposits, 5 Yr CAGR %	8.03	9.06	9.64	9.25	8.75
Tangible Book Value, 5 Yr. CAGR %	10.73	10.57	10.13	8.48	7.39
Average Interest Earning Assets, 5 Yr. CAGR %	8.38	9	10.34	10.4	10.6
Average Interest Bearing Liabilities, 5 Yr. CAGR %	7.6	8.36	9.96	10.68	11.26
Common Equity, 5 Yr. CAGR %	10.56	10.41	9.99	8.45	7.37
Total Equity, 5 Yr. CAGR %	10.58	10.42	10	8.17	7.98