Cash flow JPMorgan Chase & Co.

Equities

JPM

US46625H1005

Banks

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327939bdbaa9191e86ce5ee08c588962.31QB5acIbDwFKSpY3fGZchWv7kPSj_Jyvc6h4IxoAVA.nj05r8lcAH1PWUA766H7Hi2eoxeYzKhL_Kv2qNUpaWGIJm6N_noiD1pnXQ

Published financial data: JPMORGAN CHASE & CO.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	6.45TCr	5.79TCr	9.28TCr	17TCr	19TCr
Interest Income, Total	6.45TCr	5.79TCr	9.28TCr	17TCr	19TCr
Interest On Deposits	996Cr	555.3Cr	2.61TCr	8.13TCr	10TCr
Interest Expense, Total	996Cr	555.3Cr	2.61TCr	8.13TCr	10TCr
Net Interest Income	5.46TCr	5.23TCr	6.67TCr	8.93TCr	9.26TCr
Trust Income	1.82TCr	2.1TCr	2.07TCr	1.52TCr	1.78TCr
Total Mortgage Banking Activities	309.1Cr	217Cr	125Cr	117.6Cr	140.1Cr
Income From Trading Activities	1.8TCr	1.63TCr	1.99TCr	2.45TCr	2.48TCr
Gain (Loss) on Sale of Assets	60L	-70L	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	67Cr	3.4Cr	-271.8Cr	-495Cr	667.5Cr
Total Other Non Interest Income	2.5TCr	2.98TCr	2.29TCr	2.98TCr	3.42TCr
Non Interest Income, Total	6.5TCr	6.93TCr	6.2TCr	6.57TCr	8.49TCr
Revenues Before Provison For Loan Losses	12TCr	12TCr	13TCr	15TCr	18TCr
Provision For Loan Losses	1.75TCr	-925.6Cr	638.9Cr	932Cr	1.07TCr
Total Revenues	10TCr	13TCr	12TCr	15TCr	17TCr
Salaries And Other Employee Benefits	3.25TCr	3.56TCr	3.88TCr	4.33TCr	4.79TCr
Selling General & Admin Expenses, Total	2.82TCr	3.02TCr	3.09TCr	3.18TCr	3.44TCr
Total Other Non Interest Expense	482.6Cr	503.6Cr	609.9Cr	808.5Cr	803.5Cr
Non Interest Expense, Total	6.55TCr	7.09TCr	7.59TCr	8.32TCr	9.03TCr
EBT, Excl. Unusual Items	3.65TCr	6TCr	4.64TCr	6.25TCr	7.65TCr
Total Merger & Related Restructuring Charges	-	-	-	-106Cr	-78Cr
Legal Settlements	-111.5Cr	-43Cr	-27Cr	-	-74Cr
Other Unusual Items	-	-	-	21Cr	10Cr
EBT, Incl. Unusual Items	3.54TCr	5.96TCr	4.62TCr	6.16TCr	7.51TCr
Income Tax Expense	627.6Cr	1.12TCr	849Cr	1.21TCr	1.66TCr
Earnings From Continuing Operations	2.91TCr	4.83TCr	3.77TCr	4.96TCr	5.85TCr
Net Income to Company	2.91TCr	4.83TCr	3.77TCr	4.96TCr	5.85TCr
Net Income - (IS)	2.91TCr	4.83TCr	3.77TCr	4.96TCr	5.85TCr
Preferred Dividend and Other Adjustments	172.1Cr	183.1Cr	178.4Cr	179.2Cr	160.3Cr
Net Income to Common Incl Extra Items	2.74TCr	4.65TCr	3.59TCr	4.78TCr	5.69TCr
Net Income to Common Excl. Extra Items	2.74TCr	4.65TCr	3.59TCr	4.78TCr	5.69TCr
Per Share Items
Net EPS - Basic	8.89	15.39	12.1	16.25	19.79
Basic EPS - Continuing Operations	8.89	15.39	12.1	16.25	19.79
Basic Weighted Average Shares Outstanding	308.24Cr	302.15Cr	296.58Cr	293.86Cr	287.39Cr
Net EPS - Diluted	8.88	15.36	12.09	16.23	19.75
Diluted EPS - Continuing Operations	8.88	15.36	12.09	16.23	19.75
Diluted Weighted Average Shares Outstanding	308.74Cr	302.66Cr	297Cr	294.31Cr	287.9Cr
Normalized Basic EPS	7.41	12.41	9.78	13.28	16.64
Normalized Diluted EPS	7.39	12.39	9.77	13.26	16.61
Dividend Per Share	3.6	3.8	4	4.1	4.8
Payout Ratio	43.56	26.6	36	27.17	25.28
American Depositary Receipts Ratio (ADR)	0.1	0.1	0.1	0.1	0.1
Supplemental Items
Effective Tax Rate - (Ratio)	17.73	18.85	18.39	19.57	22.12
Current Domestic Taxes	755.2Cr	476.2Cr	823.6Cr	1.22TCr	985.3Cr
Current Foreign Taxes	270.5Cr	271.8Cr	299.2Cr	435.5Cr	475.3Cr
Total Current Taxes	1.03TCr	748Cr	1.12TCr	1.66TCr	1.46TCr
Deferred Domestic Taxes	-385.5Cr	384.9Cr	-258.4Cr	-456.9Cr	193.2Cr
Deferred Foreign Taxes	-13Cr	-10Cr	-15Cr	3.5Cr	7.2Cr
Total Deferred Taxes	-398.1Cr	374.8Cr	-273.8Cr	-453.4Cr	200.4Cr
Normalized Net Income	2.28TCr	3.75TCr	2.9TCr	3.9TCr	4.78TCr
Non-Cash Pension Expense	-21Cr	-20Cr	-19Cr	-39Cr	-46Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	245.1Cr	292.9Cr	279.4Cr	311.7Cr	350.4Cr
Total Stock-Based Compensation	245.1Cr	292.9Cr	279.4Cr	311.7Cr	350.4Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	50TCr	72TCr	54TCr	60TCr	44TCr
Investment Securities, Total	65TCr	75TCr	75TCr	65TCr	76TCr
Trading Asset Securities, Total	50TCr	33TCr	36TCr	41TCr	50TCr
Mortgage Backed Securities	24TCr	20TCr	21TCr	22TCr	22TCr
Total investments	1,39900Cr	1,27600Cr	1,32000Cr	1,27500Cr	1,48200Cr
Gross Loans	1,05300Cr	1,12900Cr	1,18100Cr	1,36700Cr	1,39300Cr
Allowance For Loan Losses	-2.83TCr	-1.64TCr	-1.97TCr	-2.24TCr	-2.43TCr
Net Loans	1,02400Cr	1,11200Cr	1,16100Cr	1,34500Cr	1,36900Cr
Net Property Plant And Equipment	4.83TCr	4.46TCr	4TCr	4.08TCr	4.58TCr
Goodwill	4.92TCr	5.03TCr	5.17TCr	5.26TCr	5.26TCr
Other Intangibles, Total	90Cr	88Cr	122.4Cr	322.5Cr	287.4Cr
Loans Held For Sale	787.3Cr	868.8Cr	397Cr	398.5Cr	704.8Cr
Accrued Interest Receivable	4.27TCr	4.29TCr	7.59TCr	5.97TCr	4.93TCr
Restricted Cash	2.44TCr	1.97TCr	2.68TCr	1.96TCr	2.75TCr
Other Current Assets, Total	16TCr	31TCr	28TCr	33TCr	36TCr
Deferred Tax Assets Long-Term (Collected)	-	-	-	-	1.22TCr
Other Real Estate Owned And Foreclosed	15Cr	13Cr	16Cr	16Cr	11Cr
Other Long-Term Assets, Total	13TCr	16TCr	17TCr	14TCr	16TCr
Total Assets	3,38600Cr	3,74400Cr	3,66600Cr	3,87500Cr	4,00300Cr
Liabilities
Accounts Payable, Total	7.03TCr	6.76TCr	7.72TCr	9.19TCr	9.55TCr
Accrued Expenses, Total	15TCr	18TCr	20TCr	18TCr	17TCr
Interest Bearing Deposits	1,46400Cr	1,70400Cr	1,52600Cr	1,51100Cr	1,54500Cr
Institutional Deposits	8.43TCr	9.35TCr	14TCr	22TCr	24TCr
Non-Interest Bearing Deposits	60TCr	67TCr	67TCr	67TCr	62TCr
Total Deposits	2,14400Cr	2,46200Cr	2,34000Cr	2,40100Cr	2,40600Cr
Short-Term Borrowings	33TCr	30TCr	30TCr	31TCr	39TCr
Current Portion of Long-Term Debt	2.69TCr	2.28TCr	3.22TCr	5.09TCr	1.93TCr
Current Portion of Leases	160.6Cr	157.2Cr	157.2Cr	168.5Cr	170.9Cr
Long-Term Debt	26TCr	23TCr	27TCr	34TCr	39TCr
Federal Home Loan Bank Debt - Long-Term	1.11TCr	5.3TCr	408.9Cr	2.33TCr	1.77TCr
Long-Term Leases	690.2Cr	675.6Cr	661.1Cr	714.8Cr	719.1Cr
Trust Preferred Securities (BS)	203.5Cr	197.5Cr	184.8Cr	172.8Cr	160.3Cr
Other Current Liabilities - (Bank / Utility Template)	9.96TCr	11TCr	13TCr	14TCr	16TCr
Other Non Current Liabilities	242.1Cr	226.1Cr	778.2Cr	877.4Cr	280Cr
Total Liabilities	3,10700Cr	3,44900Cr	3,37300Cr	3,54800Cr	3,65800Cr
Preferred Stock Redeemable	3.01TCr	3.48TCr	2.74TCr	2.74TCr	2TCr
Total Preferred Equity	3.01TCr	3.48TCr	2.74TCr	2.74TCr	2TCr
Common Stock, Total	410.5Cr	410.5Cr	410.5Cr	410.5Cr	410.5Cr
Additional Paid In Capital	8.84TCr	8.84TCr	8.9TCr	9.01TCr	9.09TCr
Retained Earnings	24TCr	27TCr	30TCr	33TCr	38TCr
Treasury Stock	-8.82TCr	-11TCr	-11TCr	-12TCr	-13TCr
Comprehensive Income and Other	798.6Cr	-8.4Cr	-1.73TCr	-1.04TCr	-1.25TCr
Total Common Equity	25TCr	26TCr	26TCr	30TCr	32TCr
Total Equity	28TCr	29TCr	29TCr	33TCr	34TCr
Total Liabilities And Equity	3,38600Cr	3,74400Cr	3,66600Cr	3,87500Cr	4,00300Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	305.15Cr	295.28Cr	294.34Cr	288.04Cr	279.61Cr
ECS Total Common Shares Outstanding	304.94Cr	294.41Cr	293.42Cr	287.67Cr	279.76Cr
Book Value / Share	81.75	88.07	90.29	104.45	116.07
Tangible Book Value	20TCr	21TCr	21TCr	24TCr	27TCr
Tangible Book Value Per Share	65.3	70.68	72.27	85.03	96.25
Tangible Book Value Per Share (As Reported)	66.11	71.53	73.12	86.08	97.3
Average Assets	3,20300Cr	3,72500Cr	3,85400Cr	3,82200Cr	4,08600Cr
Average Loans	1,00500Cr	1,03500Cr	1,10000Cr	1,24800Cr	1,32200Cr
Total Debt	64TCr	62TCr	62TCr	73TCr	83TCr
Federal Funds Sold	-	26TCr	32TCr	28TCr	30TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-347.2Cr	-764.6Cr	-634.5Cr	-727.3Cr	-774.2Cr
Net Debt	-66TCr	-69TCr	-59TCr	-56TCr	-41TCr
Full Time Employees	3L	3L	3L	3L	3L
Number Of Offices	4.91T	4.79T	4.79T	4.9T	4.97T

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	2.91TCr	4.83TCr	3.77TCr	4.96TCr	5.85TCr
Depreciation, Depletion & Amortization	861.4Cr	793.2Cr	705.1Cr	751.2Cr	793.8Cr
Total Depreciation, Depletion & Amortization	861.4Cr	793.2Cr	705.1Cr	751.2Cr	793.8Cr
Provision for Credit Losses	1.75TCr	-925.6Cr	638.9Cr	932Cr	1.07TCr
Net (Increase) Decrease in Loans Originated / Sold - Operating	898.6Cr	-1.15TCr	1.85TCr	118.5Cr	-693.5Cr
Change in Trading Asset Securities	-15TCr	8.57TCr	-3.14TCr	-7.41TCr	-9.57TCr
Changes in Accrued Interest Receivable	-1.8TCr	-1.24TCr	-2.3TCr	1.99TCr	573.5Cr
Change in Accounts Payable	782.7Cr	4.32TCr	5.86TCr	-2.54TCr	-9Cr
Change in Other Net Operating Assets (Collected)	1.4TCr	-8.06TCr	2.85TCr	2.8TCr	-2.41TCr
Other Operating Activities	78Cr	662.4Cr	477.5Cr	-300.8Cr	205.6Cr
Cash from Operations	-7.99TCr	7.81TCr	11TCr	1.3TCr	-4.2TCr
Cash Acquisitions	-	-	-	-992Cr	-236.2Cr
Investment in Marketable and Equity Securities, Total	-18TCr	-9.68TCr	1.25TCr	9.56TCr	-11TCr
Net (Increase) Decrease in Loans Originated / Sold - Investing	-2.67TCr	-5.6TCr	-8.41TCr	-4.1TCr	-2.53TCr
Other Investing Activities, Total	-5.45TCr	2.34TCr	-6.62TCr	2.3TCr	-2.09TCr
Cash from Investing	-26TCr	-13TCr	-14TCr	6.76TCr	-16TCr
Short Term Debt Issued, Total	443.8Cr	777.3Cr	-	-	743.9Cr
Long-Term Debt Issued, Total	11TCr	8.24TCr	8.91TCr	9.82TCr	19TCr
Total Debt Issued	12TCr	9.02TCr	8.91TCr	9.82TCr	20TCr
Short Term Debt Repaid, Total	-	-	-898.4Cr	-193.4Cr	-
Long-Term Debt Repaid, Total	-11TCr	-8TCr	-4.56TCr	-6.49TCr	-9.66TCr
Total Debt Repaid	-11TCr	-8TCr	-5.45TCr	-6.68TCr	-9.66TCr
Repurchase of Common Stock	-651.7Cr	-1.84TCr	-316.2Cr	-982.4Cr	-1.88TCr
Issuance of Preferred Stock	450Cr	735Cr	-	-	250Cr
Repurchase of Preferred Stock	-143Cr	-257.5Cr	-743.4Cr	-	-985Cr
Common & Preferred Stock Dividends Paid	-1.27TCr	-1.29TCr	-1.36TCr	-1.35TCr	-1.48TCr
Common & Preferred Stock Dividends Paid	-1.27TCr	-1.29TCr	-1.36TCr	-1.35TCr	-1.48TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	60TCr	29TCr	-14TCr	-3.22TCr	329.9Cr
Other Financing Activities, Total	-93Cr	-147.7Cr	23Cr	-152.1Cr	-146.9Cr
Cash from Financing	60TCr	28TCr	-13TCr	-2.56TCr	6.34TCr
Foreign Exchange Rate Adjustments	915.5Cr	-1.15TCr	-1.66TCr	187.1Cr	-1.29TCr
Net Change in Cash	26TCr	21TCr	-17TCr	5.69TCr	-15TCr
Supplemental Items
Cash Interest Paid	1.31TCr	514.2Cr	2.31TCr	7.71TCr	9.96TCr
Cash Income Tax Paid (Refund)	766.1Cr	1.87TCr	435.5Cr	990.8Cr	1.17TCr
Net Debt Issued / Repaid	1.09TCr	1.02TCr	3.46TCr	3.14TCr	10TCr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.96	1.36	1.02	1.31	1.48
Return On Equity %	10.78	16.86	12.85	15.98	17.39
Return on Common Equity	11.34	18.29	13.69	16.89	18.19
Shareholders Value Added	11Cr	1.78TCr	622.3Cr	1.63TCr	2.14TCr
Margin Analysis
SG&A Margin	59.49	50.32	57.05	51.57	49.31
Net Interest Income / Total Revenues %	53.46	39.96	54.54	61.28	55.51
EBT Excl. Non-Recurring Items Margin %	35.78	45.83	37.96	42.88	45.87
Income From Continuing Operations Margin %	28.54	36.92	30.8	34.02	35.06
Net Income Margin %	28.54	36.92	30.8	34.02	35.06
Net Avail. For Common Margin %	26.86	35.53	29.35	32.79	34.1
Normalized Net Income Margin	22.36	28.64	23.73	26.8	28.67
Asset quality
Nonperforming Loans / Total Loans %	1	0.69	0.57	0.51	0.63
Nonperforming Loans / Total Assets %	0.31	0.21	0.18	0.18	0.22
Nonperforming Assets / Total Assets %	0.32	0.22	0.2	0.2	0.23
NPAs / Loans and OREO	1.04	0.74	0.61	0.56	0.67
NPAs / Equity	3.9	2.84	2.48	2.32	2.7
Allowance for Credit Losses / Net Charge-offs %	538.66	571.94	691.41	361.09	281.84
Allowance for Credit Losses / Nonperforming Loans %	267.93	210.21	293.54	324.13	275.49
Allowance for Credit Losses / Total Loans %	2.69	1.45	1.67	1.64	1.75
Net Charge-offs / Total Average Loans %	0.52	0.28	0.26	0.5	0.65
Provision for Loan Losses / Net Charge-offs %	332.38	-323.07	223.94	150.1	123.62
Earning Assets / IBL	128.55	128.37	130.48	128.22	124.72
Interest Income / Average Assets	2.01	1.55	2.41	4.46	4.75
Interest Expense / Average Assets	0.31	0.15	0.68	2.13	2.48
Net Interest Income / Average Assets	1.7	1.4	1.73	2.34	2.27
Non Interest Income / Average Assets	2.03	1.86	1.61	1.72	2.08
Non Interest Expense / Average Asset	2.05	1.9	1.97	2.18	2.21
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.96	7.13	7.08	7.5	7.94
Total Average Equity / Total Average Assets %	8.9	8.05	7.92	8.22	8.54
Total Equity + Allowance for Loan Losses / Total Loans %	29.23	27.51	26.42	25.62	26.5
Gross Loans / Total Deposits %	49.1	45.84	50.46	56.96	57.89
Net Loans / Total Deposits %	47.78	45.17	49.62	56.02	56.88
Tier 1 Capital Ratio %	15	15	14.9	16.6	16.8
Total Capital Ratio %	17.3	16.8	16.8	17.7	18.5
Core Tier 1 Capital Ratio	13.1	13.1	13.2	15	15.7
Tier 2 Capital Ratio	2.25	1.75	1.94	1.08	1.75
Equity Tier 1 Capital Ratio	12.92	12.85	12.98	14.83	15.49
Coverage Ratio	130.97	95.48	131.83	398.58	362.44
Leverage Ratio %	7	6.5	6.6	7.2	7.2
Interbank Ratio	360.73	492.79	409.51	393.95	240.82
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	4.55	11.73	2.77	1.76	1.74
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-4.69	-4.13	27.53	33.81	3.71
Non Interest Income, 1 Yr. Growth %	11.74	6.03	-10.6	6.04	29.13
Provision For Loan Losses, 1 Yr. Growth %	212.98	-152.95	-169.03	45.88	14.57
Total Revenues, 1 Yr. Growth %	-7.06	27.74	-6.56	19.11	14.49
Earnings From Cont. Operations, 1 Yr. Growth %	-20.04	65.92	-22.05	31.52	18
Net Income, 1 Yr. Growth %	-20.04	65.92	-22.05	31.52	18
Normalized Net Income, 1 Yr. Growth %	-18.45	62.44	-22.6	35.29	19.72
Diluted EPS Before Extra, 1 Yr. Growth %	-17.16	72.97	-21.29	34.24	21.69
Dividend Per Share, 1 Yr. Growth %	5.88	5.56	5.26	2.5	17.07
Gross Loans, 1 Yr. Growth %	2.76	7.21	4.63	15.78	1.87
Allowance For Loan Losses, 1 Yr. Growth %	115.87	-42.16	20.38	13.66	8.59
Net Loans, 1 Yr. Growth %	1.29	8.58	4.4	15.82	1.75
Non Performing Loans, 1 Yr. Growth %	128.01	-26.27	-13.79	2.93	27.76
Non Performing Assets, 1 Yr. Growth %	115.79	-23.47	-13.17	4.83	22.42
Total Assets, 1 Yr. Growth %	26	10.6	-2.08	5.72	3.29
Total Deposits, 1 Yr Growth %	37.24	14.83	-4.96	2.59	0.22
Tangible Book Value, 1 Yr. Growth %	7.24	4.5	1.9	15.36	10.08
Average Interest Earning Assets, 1 Yr. Growth %	18.52	15.69	4.14	-0.7	6.37
Average Interest Bearing Liabilities, 1 Yr. Growth %	16.96	15.85	3.38	1.05	9.35
Common Equity, 1 Yr. Growth %	6.38	4.01	2.17	13.42	8.07
Total Equity, 1 Yr. Growth %	6.9	5.29	-0.61	12.16	5.15
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-0.45	-4.41	10.57	30.63	17.81
Non Interest Income, 2 Yr. CAGR %	10.15	8.89	-2.64	-2.64	17.01
Provision For Loan Losses, 2 Yr. CAGR %	89.44	28.74	-39.54	0.35	29.28
Total Revenues, 2 Yr. CAGR %	-0.81	9.02	9.25	5.49	16.77
Earnings From Cont. Operations, 2 Yr. CAGR %	-5.29	15.18	13.72	1.25	24.58
Net Income, 2 Yr. CAGR %	-5.29	15.18	13.72	1.25	24.58
Normalized Net Income, 2 Yr. CAGR %	-5.43	15.32	12.13	2.4	28.35
Diluted EPS Before Extra, 2 Yr. CAGR %	-0.67	19.7	16.68	2.79	27.81
Dividend Per Share, 2 Yr. CAGR %	15.04	5.72	5.41	3.87	9.54
Gross Loans, 2 Yr. CAGR %	2.44	4.96	5.91	10.07	8.6
Allowance For Loan Losses, 2 Yr. CAGR %	45.15	11.74	-16.55	16.97	11.09
Net Loans, 2 Yr. CAGR %	1.74	4.87	6.47	9.96	8.56
Non Performing Loans, 2 Yr. CAGR %	47.94	29.66	-20.28	-5.8	14.67
Non Performing Assets, 2 Yr. CAGR %	44.96	28.51	-18.48	-4.59	13.28
Total Assets, 2 Yr. CAGR %	13.63	18.03	4.07	1.75	4.5
Total Deposits, 2 Yr CAGR %	20.75	25.54	4.47	-1.26	1.4
Tangible Book Value, 2 Yr. CAGR %	4.54	5.86	3.19	8.42	12.69
Average Interest Earning Assets, 2 Yr. CAGR %	12.08	17.1	9.76	1.69	2.78
Average Interest Bearing Liabilities, 2 Yr. CAGR %	11.75	16.4	8.95	2.21	5.12
Common Equity, 2 Yr. CAGR %	4.01	5.19	3.09	7.65	10.71
Total Equity, 2 Yr. CAGR %	4.36	6.09	2.3	5.58	8.6
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	2.89	-1.69	5.23	17.83	20.96
Non Interest Income, 3 Yr. CAGR %	9.17	8.99	1.96	0.17	6.97
Provision For Loan Losses, 3 Yr. CAGR %	48.95	23.86	4.59	-18.91	4.88
Total Revenues, 3 Yr. CAGR %	2.51	8.06	3.56	12.44	8.41
Earnings From Cont. Operations, 3 Yr. CAGR %	6.03	14.18	1.13	19.37	6.55
Net Income, 3 Yr. CAGR %	6.03	14.18	1.13	19.37	6.55
Normalized Net Income, 3 Yr. CAGR %	1.22	13.68	0.97	19.14	8.7
Diluted EPS Before Extra, 3 Yr. CAGR %	12.06	19.5	4.09	22.26	8.74
Dividend Per Share, 3 Yr. CAGR %	19.3	11.79	5.57	4.43	8.1
Gross Loans, 3 Yr. CAGR %	3.33	4.01	4.85	9.11	7.26
Allowance For Loan Losses, 3 Yr. CAGR %	27.7	6.82	14.55	-7.5	14.11
Net Loans, 3 Yr. CAGR %	2.89	3.97	4.71	9.5	7.15
Non Performing Loans, 3 Yr. CAGR %	21.17	17.29	13.16	-13.19	4.27
Non Performing Assets, 3 Yr. CAGR %	19.28	17.16	12.76	-11.35	3.67
Total Assets, 3 Yr. CAGR %	10.15	12.6	10.9	4.62	2.26
Total Deposits, 3 Yr CAGR %	14.09	18.74	14.41	3.84	-0.77
Tangible Book Value, 3 Yr. CAGR %	3.18	4.52	4.52	7.1	8.97
Average Interest Earning Assets, 3 Yr. CAGR %	8.59	13.27	12.61	6.16	3.23
Average Interest Bearing Liabilities, 3 Yr. CAGR %	8.35	13.1	11.56	6.25	4.54
Common Equity, 3 Yr. CAGR %	2.78	4.01	4.17	6.42	7.79
Total Equity, 3 Yr. CAGR %	2.99	4.67	3.81	5.48	5.44
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	4.63	2.57	5.9	10.15	10.09
Non Interest Income, 5 Yr. CAGR %	5.58	6.55	4.42	4.18	7.74
Provision For Loan Losses, 5 Yr. CAGR %	35.5	11.54	3.85	13.86	13.84
Total Revenues, 5 Yr. CAGR %	2.73	7.49	5.24	7.02	8.65
Earnings From Cont. Operations, 5 Yr. CAGR %	3.57	14.34	9.04	8.82	9.92
Net Income, 5 Yr. CAGR %	3.57	14.34	9.04	8.82	9.92
Normalized Net Income, 5 Yr. CAGR %	1.95	11.88	5.68	8.87	11.14
Diluted EPS Before Extra, 5 Yr. CAGR %	8.16	19.93	13.89	12.52	13
Dividend Per Share, 5 Yr. CAGR %	15.92	15.11	13.54	8.55	7.14
Gross Loans, 5 Yr. CAGR %	4.73	4.82	4.36	6.39	6.34
Allowance For Loan Losses, 5 Yr. CAGR %	15.88	3.53	7.71	10.77	13.16
Net Loans, 5 Yr. CAGR %	4.5	4.84	4.31	6.33	6.24
Non Performing Loans, 5 Yr. CAGR %	10.46	2.52	2.49	7.44	13.77
Non Performing Assets, 5 Yr. CAGR %	9.17	2.07	2.43	7.92	12.97
Total Assets, 5 Yr. CAGR %	7.56	8.49	7.67	8.12	8.29
Total Deposits, 5 Yr CAGR %	10.87	12.36	10.14	10.3	9.02
Tangible Book Value, 5 Yr. CAGR %	2.83	2.95	3.19	6.07	7.72
Average Interest Earning Assets, 5 Yr. CAGR %	5.89	8.88	9.06	8.49	8.57
Average Interest Bearing Liabilities, 5 Yr. CAGR %	5.56	8.66	8.59	8.42	8.94
Common Equity, 5 Yr. CAGR %	2.39	2.59	2.9	5.45	6.74
Total Equity, 5 Yr. CAGR %	2.44	2.96	2.71	5.03	5.7