Cash flow JPMorgan Chase & Co.

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JPM

US46625H1005

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070ae90a798.qvJ8O0n7BqQobvHRGEAgDkqKZx4Oh7-I0M8nFRae8gw.wLFPSS6VMNRYL8G2WxpDdjy5LVpm9t2lov5pJVL0n3aapyoOJpE-3GQ6vA

Published financial data: JPMORGAN CHASE & CO.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	5.79TCr	9.28TCr	17TCr	19TCr	19TCr
Interest Income, Total	5.79TCr	9.28TCr	17TCr	19TCr	19TCr
Interest On Deposits	555.3Cr	2.61TCr	8.13TCr	10TCr	9.79TCr
Interest Expense, Total	555.3Cr	2.61TCr	8.13TCr	10TCr	9.79TCr
Net Interest Income	5.23TCr	6.67TCr	8.93TCr	9.26TCr	9.54TCr
Trust Income	2.1TCr	2.07TCr	1.52TCr	1.78TCr	2.03TCr
Total Mortgage Banking Activities	217Cr	125Cr	117.6Cr	140.1Cr	138.1Cr
Income From Trading Activities	1.63TCr	1.99TCr	2.45TCr	2.48TCr	2.72TCr
Gain (Loss) on Sale of Assets	-70L	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	3.4Cr	-271.8Cr	-495Cr	667.5Cr	-11Cr
Total Other Non Interest Income	2.98TCr	2.29TCr	2.98TCr	3.42TCr	3.82TCr
Non Interest Income, Total	6.93TCr	6.2TCr	6.57TCr	8.49TCr	8.7TCr
Revenues Before Provison For Loan Losses	12TCr	13TCr	15TCr	18TCr	18TCr
Provision For Loan Losses	-925.6Cr	638.9Cr	932Cr	1.07TCr	1.42TCr
Total Revenues	13TCr	12TCr	15TCr	17TCr	17TCr
Salaries And Other Employee Benefits	3.56TCr	3.88TCr	4.33TCr	4.79TCr	5.09TCr
Selling General & Admin Expenses, Total	3.02TCr	3.09TCr	3.18TCr	3.44TCr	3.8TCr
Total Other Non Interest Expense	503.6Cr	609.9Cr	808.5Cr	803.5Cr	717.8Cr
Non Interest Expense, Total	7.09TCr	7.59TCr	8.32TCr	9.03TCr	9.6TCr
EBT, Excl. Unusual Items	6TCr	4.64TCr	6.25TCr	7.65TCr	7.22TCr
Total Merger & Related Restructuring Charges	-	-	-106Cr	-78Cr	-
Legal Settlements	-43Cr	-27Cr	-	-74Cr	-36Cr
Other Unusual Items	-	-	21Cr	10Cr	76Cr
EBT, Incl. Unusual Items	5.96TCr	4.62TCr	6.16TCr	7.51TCr	7.26TCr
Income Tax Expense	1.12TCr	849Cr	1.21TCr	1.66TCr	1.55TCr
Earnings From Continuing Operations	4.83TCr	3.77TCr	4.96TCr	5.85TCr	5.7TCr
Net Income to Company	4.83TCr	3.77TCr	4.96TCr	5.85TCr	5.7TCr
Net Income - (IS)	4.83TCr	3.77TCr	4.96TCr	5.85TCr	5.7TCr
Preferred Dividend and Other Adjustments	183.1Cr	178.4Cr	179.2Cr	160.3Cr	136.7Cr
Net Income to Common Incl Extra Items	4.65TCr	3.59TCr	4.78TCr	5.69TCr	5.57TCr
Net Income to Common Excl. Extra Items	4.65TCr	3.59TCr	4.78TCr	5.69TCr	5.57TCr
Per Share Items
Net EPS - Basic	15.39	12.1	16.25	19.79	20.05
Basic EPS - Continuing Operations	15.39	12.1	16.25	19.79	20.05
Basic Weighted Average Shares Outstanding	302.15Cr	296.58Cr	293.86Cr	287.39Cr	277.65Cr
Net EPS - Diluted	15.36	12.09	16.23	19.75	20.02
Diluted EPS - Continuing Operations	15.36	12.09	16.23	19.75	20.02
Diluted Weighted Average Shares Outstanding	302.66Cr	297Cr	294.31Cr	287.9Cr	278.15Cr
Normalized Basic EPS	12.41	9.78	13.28	16.64	16.25
Normalized Diluted EPS	12.39	9.77	13.26	16.61	16.22
Dividend Per Share	3.8	4	4.1	4.8	5.8
Payout Ratio	26.6	36	27.17	25.28	29.14
American Depositary Receipts Ratio (ADR)	0.1	0.1	0.1	0.1	0.1
Supplemental Items
Effective Tax Rate - (Ratio)	18.85	18.39	19.57	22.12	21.42
Current Domestic Taxes	476.2Cr	823.6Cr	1.22TCr	985.3Cr	566.8Cr
Current Foreign Taxes	271.8Cr	299.2Cr	435.5Cr	475.3Cr	426.8Cr
Total Current Taxes	748Cr	1.12TCr	1.66TCr	1.46TCr	993.6Cr
Deferred Domestic Taxes	384.9Cr	-258.4Cr	-456.9Cr	193.2Cr	535.3Cr
Deferred Foreign Taxes	-10Cr	-15Cr	3.5Cr	7.2Cr	26Cr
Total Deferred Taxes	374.8Cr	-273.8Cr	-453.4Cr	200.4Cr	561.1Cr
Normalized Net Income	3.75TCr	2.9TCr	3.9TCr	4.78TCr	4.51TCr
Non-Cash Pension Expense	-20Cr	-19Cr	-39Cr	-46Cr	-18Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	292.9Cr	279.4Cr	311.7Cr	350.4Cr	361.4Cr
Total Stock-Based Compensation	292.9Cr	279.4Cr	311.7Cr	350.4Cr	361.4Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	72TCr	54TCr	60TCr	44TCr	31TCr
Investment Securities, Total	75TCr	75TCr	65TCr	76TCr	91TCr
Trading Asset Securities, Total	33TCr	36TCr	41TCr	50TCr	64TCr
Mortgage Backed Securities	20TCr	21TCr	22TCr	22TCr	20TCr
Total investments	1,27600Cr	1,32000Cr	1,27500Cr	1,48200Cr	1,75600Cr
Gross Loans	1,12900Cr	1,18100Cr	1,36700Cr	1,39300Cr	1,52700Cr
Allowance For Loan Losses	-1.64TCr	-1.97TCr	-2.24TCr	-2.43TCr	-2.58TCr
Net Loans	1,11200Cr	1,16100Cr	1,34500Cr	1,36900Cr	1,50100Cr
Net Property Plant And Equipment	4.46TCr	4TCr	4.08TCr	4.58TCr	5.69TCr
Goodwill	5.03TCr	5.17TCr	5.26TCr	5.26TCr	5.27TCr
Other Intangibles, Total	88Cr	122.4Cr	322.5Cr	287.4Cr	256Cr
Loans Held For Sale	868.8Cr	397Cr	398.5Cr	704.8Cr	1.38TCr
Accrued Interest Receivable	4.29TCr	7.59TCr	5.97TCr	4.93TCr	6.43TCr
Restricted Cash	1.97TCr	2.68TCr	1.96TCr	2.75TCr	2.9TCr
Other Current Assets, Total	31TCr	28TCr	33TCr	36TCr	45TCr
Deferred Tax Assets Long-Term (Collected)	-	-	-	1.22TCr	694.8Cr
Other Real Estate Owned And Foreclosed	13Cr	16Cr	16Cr	11Cr	13Cr
Other Long-Term Assets, Total	16TCr	17TCr	14TCr	16TCr	18TCr
Total Assets	3,74400Cr	3,66600Cr	3,87500Cr	4,00300Cr	4,42500Cr
Liabilities
Accounts Payable, Total	6.76TCr	7.72TCr	9.19TCr	9.55TCr	9.31TCr
Accrued Expenses, Total	18TCr	20TCr	18TCr	17TCr	20TCr
Interest Bearing Deposits	1,70400Cr	1,52600Cr	1,51100Cr	1,54500Cr	1,69500Cr
Institutional Deposits	9.35TCr	14TCr	22TCr	24TCr	24TCr
Non-Interest Bearing Deposits	67TCr	67TCr	67TCr	62TCr	62TCr
Total Deposits	2,46200Cr	2,34000Cr	2,40100Cr	2,40600Cr	2,55900Cr
Short-Term Borrowings	30TCr	30TCr	31TCr	39TCr	55TCr
Current Portion of Long-Term Debt	2.28TCr	3.22TCr	5.09TCr	1.93TCr	1.55TCr
Current Portion of Leases	157.2Cr	157.2Cr	168.5Cr	170.9Cr	176.7Cr
Long-Term Debt	23TCr	27TCr	34TCr	39TCr	43TCr
Federal Home Loan Bank Debt - Long-Term	5.3TCr	408.9Cr	2.33TCr	1.77TCr	1.69TCr
Long-Term Leases	675.6Cr	661.1Cr	714.8Cr	719.1Cr	757Cr
Trust Preferred Securities (BS)	197.5Cr	184.8Cr	172.8Cr	160.3Cr	159.4Cr
Other Current Liabilities - (Bank / Utility Template)	11TCr	13TCr	14TCr	16TCr	18TCr
Other Non Current Liabilities	226.1Cr	778.2Cr	877.4Cr	280Cr	507.1Cr
Total Liabilities	3,44900Cr	3,37300Cr	3,54800Cr	3,65800Cr	4,06200Cr
Preferred Stock Redeemable	3.48TCr	2.74TCr	2.74TCr	2TCr	2TCr
Total Preferred Equity	3.48TCr	2.74TCr	2.74TCr	2TCr	2TCr
Common Stock, Total	410.5Cr	410.5Cr	410.5Cr	410.5Cr	410.5Cr
Additional Paid In Capital	8.84TCr	8.9TCr	9.01TCr	9.09TCr	9.11TCr
Retained Earnings	27TCr	30TCr	33TCr	38TCr	42TCr
Treasury Stock	-11TCr	-11TCr	-12TCr	-13TCr	-16TCr
Comprehensive Income and Other	-8.4Cr	-1.73TCr	-1.04TCr	-1.25TCr	-429Cr
Total Common Equity	26TCr	26TCr	30TCr	32TCr	34TCr
Total Equity	29TCr	29TCr	33TCr	34TCr	36TCr
Total Liabilities And Equity	3,74400Cr	3,66600Cr	3,87500Cr	4,00300Cr	4,42500Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	295.28Cr	294.34Cr	288.04Cr	279.61Cr	269.7Cr
ECS Total Common Shares Outstanding	294.41Cr	293.42Cr	287.67Cr	279.76Cr	269.63Cr
Book Value / Share	88.07	90.29	104.45	116.07	126.99
Tangible Book Value	21TCr	21TCr	24TCr	27TCr	29TCr
Tangible Book Value Per Share	70.68	72.27	85.03	96.25	106.48
Tangible Book Value Per Share (As Reported)	71.53	73.12	86.08	97.3	107.56
Average Assets	3,72500Cr	3,85400Cr	3,82200Cr	4,08600Cr	4,43200Cr
Average Loans	1,03500Cr	1,10000Cr	1,24800Cr	1,32200Cr	1,40000Cr
Total Debt	62TCr	62TCr	73TCr	83TCr	1,02600Cr
Federal Funds Sold	26TCr	32TCr	28TCr	30TCr	34TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-764.6Cr	-634.5Cr	-727.3Cr	-774.2Cr	-887.9Cr
Net Debt	-69TCr	-59TCr	-56TCr	-41TCr	-26TCr
Full Time Employees	3L	3L	3L	3L	3L
Number Of Offices	4.79T	4.79T	4.9T	4.97T	5.08T

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	4.83TCr	3.77TCr	4.96TCr	5.85TCr	5.7TCr
Depreciation, Depletion & Amortization	793.2Cr	705.1Cr	751.2Cr	759.9Cr	852.9Cr
Amortization of Goodwill and Intangible Assets - (CF)	-	-	-	34Cr	29Cr
Total Depreciation, Depletion & Amortization	793.2Cr	705.1Cr	751.2Cr	793.8Cr	882.1Cr
Provision for Credit Losses	-925.6Cr	638.9Cr	932Cr	1.07TCr	1.42TCr
Net (Increase) Decrease in Loans Originated / Sold - Operating	-1.15TCr	1.85TCr	118.5Cr	-693.5Cr	-2.55TCr
Change in Trading Asset Securities	8.57TCr	-3.14TCr	-7.41TCr	-9.57TCr	-16TCr
Changes in Accrued Interest Receivable	-1.24TCr	-2.3TCr	1.99TCr	573.5Cr	-1.15TCr
Change in Accounts Payable	4.32TCr	5.86TCr	-2.54TCr	-9Cr	527Cr
Change in Other Net Operating Assets (Collected)	-8.06TCr	2.85TCr	2.8TCr	-2.41TCr	-5.61TCr
Other Operating Activities	662.4Cr	477.5Cr	-300.8Cr	205.6Cr	1.65TCr
Cash from Operations	7.81TCr	11TCr	1.3TCr	-4.2TCr	-15TCr
Cash Acquisitions	-	-	-992Cr	-236.2Cr	-
Investment in Marketable and Equity Securities, Total	-9.68TCr	1.25TCr	9.56TCr	-11TCr	-8.07TCr
Net (Increase) Decrease in Loans Originated / Sold - Investing	-5.6TCr	-8.41TCr	-4.1TCr	-2.53TCr	-13TCr
Other Investing Activities, Total	2.34TCr	-6.62TCr	2.3TCr	-2.09TCr	-5.39TCr
Cash from Investing	-13TCr	-14TCr	6.76TCr	-16TCr	-27TCr
Short Term Debt Issued, Total	777.3Cr	-	-	743.9Cr	942.2Cr
Long-Term Debt Issued, Total	8.24TCr	8.91TCr	9.82TCr	19TCr	27TCr
Total Debt Issued	9.02TCr	8.91TCr	9.82TCr	20TCr	28TCr
Short Term Debt Repaid, Total	-	-898.4Cr	-193.4Cr	-	-
Long-Term Debt Repaid, Total	-8TCr	-4.56TCr	-6.49TCr	-9.66TCr	-11TCr
Total Debt Repaid	-8TCr	-5.45TCr	-6.68TCr	-9.66TCr	-11TCr
Repurchase of Common Stock	-1.84TCr	-316.2Cr	-982.4Cr	-1.88TCr	-3.16TCr
Issuance of Preferred Stock	735Cr	-	-	250Cr	300Cr
Repurchase of Preferred Stock	-257.5Cr	-743.4Cr	-	-985Cr	-300Cr
Common & Preferred Stock Dividends Paid	-1.29TCr	-1.36TCr	-1.35TCr	-1.48TCr	-1.66TCr
Common & Preferred Stock Dividends Paid	-1.29TCr	-1.36TCr	-1.35TCr	-1.48TCr	-1.66TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	29TCr	-14TCr	-3.22TCr	329.9Cr	15TCr
Other Financing Activities, Total	-147.7Cr	23Cr	-152.1Cr	-146.9Cr	-241.5Cr
Cash from Financing	28TCr	-13TCr	-2.56TCr	6.34TCr	27TCr
Foreign Exchange Rate Adjustments	-1.15TCr	-1.66TCr	187.1Cr	-1.29TCr	1.78TCr
Net Change in Cash	21TCr	-17TCr	5.69TCr	-15TCr	-13TCr
Supplemental Items
Cash Interest Paid	514.2Cr	2.31TCr	7.71TCr	9.96TCr	9.64TCr
Cash Income Tax Paid (Refund)	1.87TCr	435.5Cr	990.8Cr	1.17TCr	530.9Cr
Net Debt Issued / Repaid	1.02TCr	3.46TCr	3.14TCr	10TCr	17TCr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.36	1.02	1.31	1.48	1.35
Return On Equity %	16.86	12.85	15.98	17.39	16.13
Return on Common Equity	18.29	13.69	16.89	18.19	16.69
Shareholders Value Added	1.78TCr	622.3Cr	1.63TCr	2.18TCr	1.73TCr
Margin Analysis
SG&A Margin	50.32	57.05	51.57	49.31	52.82
Net Interest Income / Total Revenues %	39.96	54.54	61.28	55.51	56.73
EBT Excl. Non-Recurring Items Margin %	45.83	37.96	42.88	45.87	42.91
Income From Continuing Operations Margin %	36.92	30.8	34.02	35.06	33.91
Net Income Margin %	36.92	30.8	34.02	35.06	33.91
Net Avail. For Common Margin %	35.53	29.35	32.79	34.1	33.1
Normalized Net Income Margin	28.64	23.73	26.8	28.67	26.82
Asset quality
Nonperforming Loans / Total Loans %	0.69	0.57	0.51	0.63	0.65
Nonperforming Loans / Total Assets %	0.21	0.18	0.18	0.22	0.22
Nonperforming Assets / Total Assets %	0.22	0.2	0.2	0.23	0.23
NPAs / Loans and OREO	0.74	0.61	0.56	0.67	0.68
NPAs / Equity	2.84	2.48	2.32	2.7	2.86
Allowance for Credit Losses / Net Charge-offs %	571.94	691.41	361.09	281.84	261.6
Allowance for Credit Losses / Nonperforming Loans %	210.21	293.54	324.13	275.49	261.39
Allowance for Credit Losses / Total Loans %	1.45	1.67	1.64	1.75	1.69
Net Charge-offs / Total Average Loans %	0.28	0.26	0.5	0.65	0.7
Provision for Loan Losses / Net Charge-offs %	-323.07	223.94	150.1	123.62	144.3
Earning Assets / IBL	128.37	130.48	128.22	124.72	121.19
Interest Income / Average Assets	1.55	2.41	4.46	4.75	4.36
Interest Expense / Average Assets	0.15	0.68	2.13	2.48	2.21
Net Interest Income / Average Assets	1.4	1.73	2.34	2.27	2.15
Non Interest Income / Average Assets	1.86	1.61	1.72	2.08	1.96
Non Interest Expense / Average Asset	1.9	1.97	2.18	2.21	2.17
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.13	7.08	7.5	7.94	7.92
Total Average Equity / Total Average Assets %	8.05	7.92	8.22	8.54	8.39
Total Equity + Allowance for Loan Losses / Total Loans %	27.51	26.42	25.62	26.5	25.42
Gross Loans / Total Deposits %	45.84	50.46	56.96	57.89	59.66
Net Loans / Total Deposits %	45.17	49.62	56.02	56.88	58.65
Tier 1 Capital Ratio %	15	14.9	16.6	16.8	15
Total Capital Ratio %	16.8	16.8	17.7	18.5	16.1
Core Tier 1 Capital Ratio	13.1	13.2	15	15.7	14.1
Tier 2 Capital Ratio	1.75	1.94	1.08	1.75	1.04
Equity Tier 1 Capital Ratio	12.85	12.98	14.83	15.49	14.18
Coverage Ratio	95.48	131.83	398.58	362.44	328.3
Leverage Ratio %	6.5	6.6	7.2	7.2	6.9
Interbank Ratio	492.79	409.51	393.95	240.82	142.46
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	11.73	2.77	1.76	1.74	1.74
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-4.13	27.53	33.81	3.71	3.09
Non Interest Income, 1 Yr. Growth %	6.03	-10.6	6.04	29.13	2.51
Provision For Loan Losses, 1 Yr. Growth %	-152.95	-169.03	45.88	14.57	33.1
Total Revenues, 1 Yr. Growth %	27.74	-6.56	19.11	14.49	0.88
Earnings From Cont. Operations, 1 Yr. Growth %	65.92	-22.05	31.52	18	-2.43
Net Income, 1 Yr. Growth %	65.92	-22.05	31.52	18	-2.43
Normalized Net Income, 1 Yr. Growth %	62.44	-22.6	35.29	19.72	-5.56
Diluted EPS Before Extra, 1 Yr. Growth %	72.97	-21.29	34.24	21.69	1.37
Dividend Per Share, 1 Yr. Growth %	5.56	5.26	2.5	17.07	20.83
Gross Loans, 1 Yr. Growth %	7.21	4.63	15.78	1.87	9.62
Allowance For Loan Losses, 1 Yr. Growth %	-42.16	20.38	13.66	8.59	5.83
Net Loans, 1 Yr. Growth %	8.58	4.4	15.82	1.75	9.69
Non Performing Loans, 1 Yr. Growth %	-26.27	-13.79	2.93	27.76	11.54
Non Performing Assets, 1 Yr. Growth %	-23.47	-13.17	4.83	22.42	11.39
Total Assets, 1 Yr. Growth %	10.6	-2.08	5.72	3.29	10.54
Total Deposits, 1 Yr Growth %	14.83	-4.96	2.59	0.22	6.37
Tangible Book Value, 1 Yr. Growth %	4.5	1.9	15.36	10.08	6.62
Average Interest Earning Assets, 1 Yr. Growth %	15.69	4.14	-0.7	6.37	8.39
Average Interest Bearing Liabilities, 1 Yr. Growth %	15.85	3.38	1.05	9.35	11.55
Common Equity, 1 Yr. Growth %	4.01	2.17	13.42	8.07	5.45
Total Equity, 1 Yr. Growth %	5.29	-0.61	12.16	5.15	5.13
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-4.41	10.57	30.63	17.81	3.4
Non Interest Income, 2 Yr. CAGR %	8.89	-2.64	-2.64	17.01	15.06
Provision For Loan Losses, 2 Yr. CAGR %	28.74	-39.54	0.35	29.28	23.49
Total Revenues, 2 Yr. CAGR %	9.02	9.25	5.49	16.77	7.47
Earnings From Cont. Operations, 2 Yr. CAGR %	15.18	13.72	1.25	24.58	7.3
Net Income, 2 Yr. CAGR %	15.18	13.72	1.25	24.58	7.3
Normalized Net Income, 2 Yr. CAGR %	15.32	12.13	2.4	28.35	7.19
Diluted EPS Before Extra, 2 Yr. CAGR %	19.7	16.68	2.79	27.81	11.06
Dividend Per Share, 2 Yr. CAGR %	5.72	5.41	3.87	9.54	18.94
Gross Loans, 2 Yr. CAGR %	4.96	5.91	10.07	8.6	5.67
Allowance For Loan Losses, 2 Yr. CAGR %	11.74	-16.55	16.97	11.09	7.2
Net Loans, 2 Yr. CAGR %	4.87	6.47	9.96	8.56	5.65
Non Performing Loans, 2 Yr. CAGR %	29.66	-20.28	-5.8	14.67	19.38
Non Performing Assets, 2 Yr. CAGR %	28.51	-18.48	-4.59	13.28	16.77
Total Assets, 2 Yr. CAGR %	18.03	4.07	1.75	4.5	6.85
Total Deposits, 2 Yr CAGR %	25.54	4.47	-1.26	1.4	3.25
Tangible Book Value, 2 Yr. CAGR %	5.86	3.19	8.42	12.69	8.34
Average Interest Earning Assets, 2 Yr. CAGR %	17.1	9.76	1.69	2.78	7.38
Average Interest Bearing Liabilities, 2 Yr. CAGR %	16.4	8.95	2.21	5.12	10.45
Common Equity, 2 Yr. CAGR %	5.19	3.09	7.65	10.71	6.75
Total Equity, 2 Yr. CAGR %	6.09	2.3	5.58	8.6	5.14
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-1.69	5.23	17.83	20.96	12.68
Non Interest Income, 3 Yr. CAGR %	8.99	1.96	0.17	6.97	11.97
Provision For Loan Losses, 3 Yr. CAGR %	23.86	4.59	-18.91	4.88	30.54
Total Revenues, 3 Yr. CAGR %	8.06	3.56	12.44	8.41	11.21
Earnings From Cont. Operations, 3 Yr. CAGR %	14.18	1.13	19.37	6.55	14.83
Net Income, 3 Yr. CAGR %	14.18	1.13	19.37	6.55	14.83
Normalized Net Income, 3 Yr. CAGR %	13.68	0.97	19.14	8.7	15.85
Diluted EPS Before Extra, 3 Yr. CAGR %	19.5	4.09	22.26	8.74	18.31
Dividend Per Share, 3 Yr. CAGR %	11.79	5.57	4.43	8.1	13.19
Gross Loans, 3 Yr. CAGR %	4.01	4.85	9.11	7.26	8.94
Allowance For Loan Losses, 3 Yr. CAGR %	6.82	14.55	-7.5	14.11	9.31
Net Loans, 3 Yr. CAGR %	3.97	4.71	9.5	7.15	8.94
Non Performing Loans, 3 Yr. CAGR %	17.29	13.16	-13.19	4.27	13.62
Non Performing Assets, 3 Yr. CAGR %	17.16	12.76	-11.35	3.67	12.65
Total Assets, 3 Yr. CAGR %	12.6	10.9	4.62	2.26	6.47
Total Deposits, 3 Yr CAGR %	18.74	14.41	3.84	-0.77	3.03
Tangible Book Value, 3 Yr. CAGR %	4.52	4.52	7.1	8.97	10.63
Average Interest Earning Assets, 3 Yr. CAGR %	13.27	12.61	6.16	3.23	4.61
Average Interest Bearing Liabilities, 3 Yr. CAGR %	13.1	11.56	6.25	4.54	7.22
Common Equity, 3 Yr. CAGR %	4.01	4.17	6.42	7.79	8.93
Total Equity, 3 Yr. CAGR %	4.67	3.81	5.48	5.44	7.43
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	2.57	5.9	10.15	10.09	11.83
Non Interest Income, 5 Yr. CAGR %	6.55	4.42	4.18	7.74	5.88
Provision For Loan Losses, 5 Yr. CAGR %	11.54	3.85	13.86	13.84	-4.05
Total Revenues, 5 Yr. CAGR %	7.49	5.24	7.02	8.65	10.42
Earnings From Cont. Operations, 5 Yr. CAGR %	14.34	9.04	8.82	9.92	14.39
Net Income, 5 Yr. CAGR %	14.34	9.04	8.82	9.92	14.39
Normalized Net Income, 5 Yr. CAGR %	11.88	5.68	8.87	11.14	14.35
Diluted EPS Before Extra, 5 Yr. CAGR %	19.93	13.89	12.52	13	17.65
Dividend Per Share, 5 Yr. CAGR %	15.11	13.54	8.55	7.14	10.01
Gross Loans, 5 Yr. CAGR %	4.82	4.36	6.39	6.34	7.72
Allowance For Loan Losses, 5 Yr. CAGR %	3.53	7.71	10.77	13.16	-1.88
Net Loans, 5 Yr. CAGR %	4.84	4.31	6.33	6.24	7.94
Non Performing Loans, 5 Yr. CAGR %	2.52	2.49	7.44	13.77	-1.39
Non Performing Assets, 5 Yr. CAGR %	2.07	2.43	7.92	12.97	-1.02
Total Assets, 5 Yr. CAGR %	8.49	7.67	8.12	8.29	5.51
Total Deposits, 5 Yr CAGR %	12.36	10.14	10.3	9.02	3.6
Tangible Book Value, 5 Yr. CAGR %	2.95	3.19	6.07	7.72	7.59
Average Interest Earning Assets, 5 Yr. CAGR %	8.88	9.06	8.49	8.57	6.64
Average Interest Bearing Liabilities, 5 Yr. CAGR %	8.66	8.59	8.42	8.94	7.91
Common Equity, 5 Yr. CAGR %	2.59	2.9	5.45	6.74	6.55
Total Equity, 5 Yr. CAGR %	2.96	2.71	5.03	5.7	5.35