Financial Ratios KB Financial Group Inc.

Stocks

A105560

KR7105560007

Banks

End-of-day quote Korea S.E. Other stock markets 20/07/2026			5-day change	1st Jan Change
1,68,800.00 ^KRW	-6.79%		-8.46%	+35.36%

10/07	Asian Equities Traded in the US as American Depositary Receipts Rise in Friday Trading	MT
09/07	SKAGEN Vekst fell 1.18% in June, Bakkafrost, Bonheur and TGS weighed most	FW

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Published financial data: KB FINANCIAL GROUP INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	12,76000Cr	19,91200Cr	27,73000Cr	29,03300Cr	27,72000Cr
Interest Income On Investments	2,48500Cr	88TCr	1,41500Cr	1,45900Cr	1,43600Cr
Interest Income, Total	15,24500Cr	20,78900Cr	29,14500Cr	30,49100Cr	29,15600Cr
Interest On Deposits	2,21900Cr	7,67600Cr	17,00300Cr	17,66500Cr	16,08300Cr
Total Interest On Borrowings	1,76300Cr	-	-	-	-
Interest Expense, Total	3,98100Cr	7,67600Cr	17,00300Cr	17,66500Cr	16,08300Cr
Net Interest Income	11,26300Cr	13,11300Cr	12,14200Cr	12,82700Cr	13,07300Cr
Credit Card Fee	1,52700Cr	-	-	-	-
Income From Trading Activities	-13,90100Cr	-	-	-	-
Gain (Loss) on Sale of Loans	14TCr	-	-	-	-
Gain (Loss) on Sale of Assets	-22TCr	-	-4.9Cr	2.44TCr	30TCr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	96TCr	11Cr	17Cr	101.9Cr	103.9Cr
Income (Loss) on Equity Invest. (Income Block)	9.35TCr	-	-	-	-
Total Other Non Interest Income	39,33800Cr	1,90000Cr	4,08700Cr	4,20000Cr	4,87100Cr
Non Operating Income (Expenses)	12TCr	-	-	-	-
Non Interest Income, Total	28,04600Cr	1,90000Cr	4,08700Cr	4,22600Cr	5,17400Cr
Revenues Before Provison For Loan Losses	39,30900Cr	15,01300Cr	16,22900Cr	17,05300Cr	18,24700Cr
Provision For Loan Losses	1,18500Cr	1,83600Cr	3,14600Cr	2,04400Cr	2,36300Cr
Total Revenues	38,12400Cr	13,17700Cr	13,08300Cr	15,00800Cr	15,88400Cr
Salaries And Other Employee Benefits	4,53300Cr	4,73300Cr	4,01400Cr	4,22100Cr	4,31500Cr
Occupancy Expense	1,01700Cr	88TCr	92TCr	97TCr	97TCr
Federal Deposit Insurance	55TCr	-	-	-	-
Selling General & Admin Expenses, Total	1,38300Cr	1,61500Cr	1,41200Cr	1,42400Cr	1,44100Cr
(Gain) Loss on Sale of Loans	1.47TCr	-	-	-	-
(Income) Loss on Equity Invest.	-	2.88TCr	-3.31TCr	1.69TCr	-2.69TCr
Total Other Non Interest Expense	24,31600Cr	31TCr	30TCr	32TCr	34TCr
Non Operating (Income) Expenses	23TCr	-19TCr	29TCr	1,00700Cr	44TCr
Non Interest Expense, Total	32,04200Cr	7,38100Cr	6,90600Cr	7,96300Cr	7,47700Cr
EBT, Excl. Unusual Items	6,08200Cr	5,79600Cr	6,17700Cr	7,04600Cr	8,40700Cr
Restructuring Charges	-	-	-	-	-
Total Merger & Related Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-	-	-626.8Cr	-6.03TCr	-22TCr
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	6,08200Cr	5,79600Cr	6,17000Cr	6,98500Cr	8,18300Cr
Income Tax Expense	1,69700Cr	1,62200Cr	1,60700Cr	1,95700Cr	2,34200Cr
Earnings From Continuing Operations	4,38400Cr	4,17300Cr	4,56300Cr	5,02900Cr	5,84100Cr
Net Income to Company	4,38400Cr	4,17300Cr	4,56300Cr	5,02900Cr	5,84100Cr
Minority Interest	2.52TCr	22TCr	6.85TCr	4.96TCr	-755.3Cr
Net Income - (IS)	4,41000Cr	4,39500Cr	4,63200Cr	5,07800Cr	5,83300Cr
Preferred Dividend and Other Adjustments	7.15TCr	13TCr	18TCr	20TCr	20TCr
Net Income to Common Incl Extra Items	4,33800Cr	4,26800Cr	4,44700Cr	4,87800Cr	5,63100Cr
Net Income to Common Excl. Extra Items	4,33800Cr	4,26800Cr	4,44700Cr	4,87800Cr	5,63100Cr
Per Share Items
Net EPS - Basic	11.13T	10.95T	11.58T	12.88T	15.41T
Basic EPS - Continuing Operations	11.13T	10.95T	11.58T	12.88T	15.41T
Basic Weighted Average Shares Outstanding	39Cr	39Cr	38Cr	38Cr	37Cr
Net EPS - Diluted	10.89T	10.71T	11.31T	12.73T	15.26T
Diluted EPS - Continuing Operations	10.89T	10.71T	11.31T	12.73T	15.26T
Diluted Weighted Average Shares Outstanding	40Cr	40Cr	39Cr	38Cr	37Cr
Normalized Basic EPS	9.82T	9.87T	10.23T	11.76T	14.36T
Normalized Diluted EPS	9.6T	9.64T	9.99T	11.62T	14.22T
Dividend Per Share	2.94T	2.95T	3.06T	3.17T	4.37T
Payout Ratio	23.89	35.59	28.86	33.22	25.8
American Depositary Receipts Ratio (ADR)	0.25	0.25	0.25	0.25	0.25
Supplemental Items
Effective Tax Rate - (Ratio)	27.91	27.99	26.04	28.01	28.62
Total Current Taxes	-	1,85000Cr	1,43300Cr	1,56800Cr	1,89700Cr
Total Deferred Taxes	-	-1,54000Cr	53TCr	-42TCr	22TCr
Normalized Net Income	3,82600Cr	3,84400Cr	3,92900Cr	4,45300Cr	5,24700Cr
Non-Cash Pension Expense	-	429.5Cr	-2.3TCr	-1.54TCr	-687.4Cr
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	-	5.83TCr	6.97TCr	14TCr	15TCr
Stock-Based Comp., SG&A Exp. (Total)	10TCr	-	-	-	-
Total Stock-Based Compensation	10TCr	5.83TCr	6.97TCr	14TCr	15TCr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	15,89300Cr	26,16300Cr	25,82700Cr	24,60900Cr	29,01500Cr
Investment Securities, Total	5,30400Cr	1,20,65300Cr	1,27,44200Cr	1,38,24700Cr	1,45,55300Cr
Trading Asset Securities, Total	1,73,79100Cr	74,31200Cr	83,11600Cr	91,12100Cr	97,97600Cr
Total investments	1,79,09500Cr	1,94,96500Cr	2,10,55900Cr	2,29,36800Cr	2,43,52900Cr
Gross Loans	4,17,31200Cr	4,37,75600Cr	4,46,74400Cr	4,72,87800Cr	4,89,45400Cr
Allowance For Loan Losses	-3,68400Cr	-4,15900Cr	-5,46300Cr	-5,63300Cr	-5,40600Cr
Other Adjustments to Gross Loans	-	-9.52TCr	-11TCr	-14TCr	-15TCr
Net Loans	4,13,62800Cr	4,33,50200Cr	4,41,17200Cr	4,67,10500Cr	4,83,89300Cr
Gross Property Plant And Equipment	9,48900Cr	9,39600Cr	9,63200Cr	10,50900Cr	10,54700Cr
Accumulated Depreciation	-4,24900Cr	-4,40500Cr	-4,68600Cr	-5,11900Cr	-5,41300Cr
Net Property Plant And Equipment	5,24000Cr	4,99100Cr	4,94600Cr	5,39000Cr	5,13400Cr
Goodwill	81TCr	85TCr	87TCr	87TCr	63TCr
Other Intangibles, Total	2,46000Cr	2,35500Cr	1,08400Cr	1,09300Cr	98TCr
Investment in Real Estate	2,51500Cr	3,14800Cr	4,11000Cr	3,75900Cr	3,22400Cr
Accrued Interest Receivable	1,91700Cr	2,50700Cr	3,13000Cr	3,27200Cr	3,22700Cr
Other Receivables	6,73500Cr	7,85600Cr	11,81500Cr	9,75400Cr	13,74000Cr
Restricted Cash	15,31700Cr	4,81000Cr	3,27300Cr	4,33900Cr	4,84400Cr
Other Current Assets, Total	76TCr	2,55000Cr	2,61300Cr	2,17900Cr	3,06800Cr
Deferred Tax Assets Long-Term (Collected)	16TCr	25TCr	27TCr	28TCr	19TCr
Other Long-Term Assets, Total	19,36800Cr	17,22700Cr	6,06800Cr	5,82600Cr	6,44700Cr
Total Assets	6,63,89600Cr	7,01,17100Cr	7,15,73800Cr	7,57,84600Cr	7,97,92300Cr
Liabilities
Accrued Expenses, Total	3,57700Cr	4,85100Cr	6,55400Cr	7,01700Cr	6,87800Cr
Interest Bearing Deposits	1,75,50900Cr	2,23,96500Cr	2,43,15900Cr	2,65,77800Cr	2,76,54100Cr
Non-Interest Bearing Deposits	1,96,51500Cr	1,64,92400Cr	1,63,35400Cr	1,69,91000Cr	1,85,85600Cr
Total Deposits	3,72,02400Cr	3,88,88800Cr	4,06,51200Cr	4,35,68800Cr	4,62,39700Cr
Short-Term Borrowings	19,73500Cr	23,73900Cr	17,43300Cr	22,62700Cr	20,44300Cr
Current Portion of Long-Term Debt	-	11,77300Cr	15,65200Cr	12,80300Cr	13,43000Cr
Current Portion of Leases	-	24TCr	24TCr	32TCr	33TCr
Long-Term Debt	1,83,56100Cr	1,30,29700Cr	1,27,99700Cr	1,36,84100Cr	1,44,27700Cr
Long-Term Leases	-	35TCr	35TCr	65TCr	58TCr
Current Income Taxes Payable	66TCr	1LCr	15TCr	53TCr	61TCr
Other Current Liabilities - (Bank / Utility Template)	12,25400Cr	2,46000Cr	3,30400Cr	3,04200Cr	3,80500Cr
Unearned Revenue Non Current	66TCr	1,00200Cr	59TCr	61TCr	61TCr
Pension & Other Post Retirement Benefits	23TCr	8.57TCr	8.19TCr	10TCr	10TCr
Deferred Tax Liability Non-Current	1,47100Cr	2.27TCr	2,18000Cr	1,68200Cr	1,81900Cr
Other Non Current Liabilities	21,43600Cr	86,81800Cr	75,82200Cr	76,12900Cr	81,82300Cr
Total Liabilities	6,15,60200Cr	6,51,52800Cr	6,56,86500Cr	6,98,03000Cr	7,37,09300Cr
Common Stock, Total	2,09100Cr	2,09100Cr	2,09100Cr	2,09100Cr	2,09100Cr
Additional Paid In Capital	17,42200Cr	16,94100Cr	16,64800Cr	16,64700Cr	16,63400Cr
Retained Earnings	25,67300Cr	28,44700Cr	32,02900Cr	34,80800Cr	38,33400Cr
Treasury Stock	-1,13600Cr	-84TCr	-1,16600Cr	-1,23600Cr	-1,90200Cr
Comprehensive Income and Other	3,41200Cr	1,72100Cr	7,32800Cr	5,58000Cr	3,89200Cr
Total Common Equity	47,46100Cr	48,36300Cr	56,93000Cr	57,88900Cr	59,04800Cr
Minority Interest	83TCr	1,28000Cr	1,94400Cr	1,92600Cr	1,78200Cr
Total Equity	48,29400Cr	49,64300Cr	58,87300Cr	59,81500Cr	60,83000Cr
Total Liabilities And Equity	6,63,89600Cr	7,01,17100Cr	7,15,73800Cr	7,57,84600Cr	7,97,92300Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	39Cr	39Cr	38Cr	37Cr	36Cr
ECS Total Common Shares Outstanding	39Cr	39Cr	38Cr	37Cr	36Cr
Book Value / Share	1L	1L	1L	1L	2L
Tangible Book Value	44,19400Cr	45,16200Cr	54,97900Cr	55,92200Cr	57,43900Cr
Tangible Book Value Per Share	1L	1L	1L	1L	1L
Total Debt	2,03,29600Cr	1,66,40200Cr	1,61,67200Cr	1,73,23500Cr	1,79,05100Cr
Deposits at Interest - Cash	-	23,60000Cr	23,57000Cr	22,53000Cr	26,81100Cr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-	-39TCr	-29TCr	-16TCr	-25TCr
Net Debt	8,75600Cr	62,89900Cr	49,09600Cr	52,53800Cr	43,97500Cr
Equity Method Investments, Total	45TCr	68TCr	72TCr	95TCr	1,13700Cr
Full Time Employees	-	-	-	-	-
Assets under Capital Lease - Gross	-	-	-	-	-
Assets under Capital Lease - Accumulated Depreciation	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	4,41000Cr	4,39500Cr	4,63200Cr	5,07800Cr	5,83300Cr
Depreciation, Depletion & Amortization	85TCr	57TCr	48TCr	52TCr	62TCr
Amortization of Goodwill and Intangible Assets - (CF)	16TCr	20TCr	9.69TCr	11TCr	7.06TCr
Total Depreciation, Depletion & Amortization	1,00700Cr	77TCr	57TCr	62TCr	69TCr
Amortization of Deferred Charges, Total	-	25TCr	29TCr	29TCr	27TCr
(Gain) Loss On Sale of Asset - (CF)	-9.35TCr	-25TCr	13TCr	15TCr	-15TCr
(Gain) Loss on Sale of Investments - (CF)	-6.05TCr	-5.89TCr	-1,48400Cr	30TCr	-2,28600Cr
Provision for Credit Losses	1,18500Cr	1,83600Cr	3,14600Cr	2,04400Cr	2,36300Cr
(Income) Loss On Equity Investments - (CF)	-	2.88TCr	-3.31TCr	1.69TCr	-2.69TCr
Stock-Based Compensation (CF)	10TCr	5.83TCr	6.97TCr	14TCr	15TCr
Change in Trading Asset Securities	-6,11000Cr	3,12200Cr	-6,24800Cr	-70TCr	-7,55100Cr
Change In Income Taxes	-9.17TCr	23TCr	-89TCr	29TCr	3.1TCr
Change In Deferred Taxes	20TCr	-24TCr	19TCr	37TCr	44TCr
Change in Other Net Operating Assets (Collected)	-43,13200Cr	-23,46600Cr	-3,39500Cr	-20,69100Cr	-11,10200Cr
Other Operating Activities	3,38600Cr	2,45600Cr	-5,07400Cr	-7,71500Cr	-7,58700Cr
Cash from Operations	-39,19800Cr	-10,88000Cr	-8,08700Cr	-19,80100Cr	-18,92400Cr
Capital Expenditure	-41TCr	-30TCr	-35TCr	-34TCr	-33TCr
Sale of Property, Plant, and Equipment	18TCr	3.12TCr	817.7Cr	1.86TCr	9.19TCr
Cash Acquisitions	37TCr	-	-	-	-26TCr
Divestitures	-	93TCr	1,29700Cr	8.85TCr	-
Purchase / Sale of Intangible Assets	-18TCr	-23TCr	-33TCr	-27TCr	-21TCr
Sale (Purchase) of Real Estate Properties (Collected)	-	64TCr	-1,01500Cr	18TCr	49TCr
Investment in Marketable and Equity Securities, Total	-3,90200Cr	-21,17500Cr	-2,59000Cr	-3,06100Cr	-5,54600Cr
Other Investing Activities, Total	7.55TCr	-19TCr	-54TCr	-44TCr	23TCr
Cash from Investing	-3,85600Cr	-20,28600Cr	-3,51900Cr	-3,82500Cr	-5,53800Cr
Long-Term Debt Issued, Total	1,30,23100Cr	1,22,27700Cr	83,77700Cr	86,03200Cr	97,07400Cr
Total Debt Issued	1,30,23100Cr	1,22,27700Cr	83,77700Cr	86,03200Cr	97,07400Cr
Long-Term Debt Repaid, Total	-1,18,27200Cr	-1,06,88900Cr	-86,14100Cr	-85,51800Cr	-89,83700Cr
Total Debt Repaid	-1,18,27200Cr	-1,06,88900Cr	-86,14100Cr	-85,51800Cr	-89,83700Cr
Issuance of Common Stock	-	1,59600Cr	60TCr	40TCr	40TCr
Repurchase of Common Stock	-	-	-57TCr	-1,17000Cr	-2,61000Cr
Common Dividends Paid	-	-1,56400Cr	-1,33700Cr	-1,68700Cr	-1,50500Cr
Common & Preferred Stock Dividends Paid	-1,05300Cr	-	-	-	-
Common & Preferred Stock Dividends Paid	-1,05300Cr	-1,56400Cr	-1,33700Cr	-1,68700Cr	-1,50500Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	32,49800Cr	16,56600Cr	12,19600Cr	23,82100Cr	23,15000Cr
Other Financing Activities, Total	-8.41TCr	-10TCr	2,43500Cr	-3.98TCr	2,27200Cr
Cash from Financing	43,31900Cr	31,88400Cr	10,95700Cr	21,83700Cr	28,94800Cr
Foreign Exchange Rate Adjustments	16TCr	17TCr	-5.85TCr	57TCr	-7.47TCr
Net Change in Cash	42TCr	89TCr	-71TCr	-1,21800Cr	4,41200Cr
Supplemental Items
Cash Interest Paid	-	6,35600Cr	13,11900Cr	15,35500Cr	14,04400Cr
Cash Income Tax Paid (Refund)	-	1,52400Cr	2,18900Cr	1,15800Cr	1,17200Cr
Net Debt Issued / Repaid	11,95900Cr	15,38800Cr	-2,36400Cr	51TCr	7,23600Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.69	0.61	0.65	0.68	0.75
Return On Equity %	9.56	8.52	8.08	8.49	9.68
Return on Common Equity	9.64	8.91	8.1	8.52	9.63
Shareholders Value Added	-83TCr	-1,15400Cr	-1,85700Cr	-1,69100Cr	-1,11200Cr
Margin Analysis
SG&A Margin	18.18	54.42	48.49	44.07	42.32
Net Interest Income / Total Revenues %	29.54	99.52	92.81	85.46	82.3
EBT Excl. Non-Recurring Items Margin %	15.95	43.98	47.21	46.94	52.93
Income From Continuing Operations Margin %	11.5	31.67	34.88	33.51	36.77
Net Income Margin %	11.57	33.35	35.4	33.84	36.72
Net Avail. For Common Margin %	11.38	32.39	33.99	32.5	35.45
Normalized Net Income Margin	10.04	29.17	30.03	29.67	33.03
Asset quality
Nonperforming Loans / Total Loans %	-	0.81	1.1	1.06	0.92
Nonperforming Loans / Total Assets %	-	0.51	0.69	0.66	0.57
Nonperforming Assets / Total Assets %	-	0.51	0.69	0.66	0.57
NPAs / Loans and OREO	-	0.81	1.1	1.06	0.92
NPAs / Equity	-	7.15	8.34	8.38	7.44
Allowance for Credit Losses / Net Charge-offs %	-	378.02	371.93	337.92	281.05
Allowance for Credit Losses / Nonperforming Loans %	-	117.11	111.3	112.43	119.42
Allowance for Credit Losses / Total Loans %	0.88	0.95	1.22	1.19	1.1
Provision for Loan Losses / Net Charge-offs %	-	166.89	214.22	122.63	122.84
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.06	7.02	7.82	7.78	7.52
Total Average Equity / Total Average Assets %	7.19	7.17	8.04	8.04	7.75
Total Equity + Allowance for Loan Losses / Total Loans %	12.26	12	13.97	13.43	13.17
Gross Loans / Total Deposits %	112.17	112.57	109.9	108.54	105.85
Net Loans / Total Deposits %	111.18	111.47	108.53	107.21	104.65
Tier 1 Capital Ratio %	-	14.86	15.37	15.17	15.21
Total Capital Ratio %	-	16.16	16.73	16.43	16.2
Core Tier 1 Capital Ratio	-	13.24	13.59	13.53	13.82
Tier 2 Capital Ratio	-	1.3	1.35	1.26	0.99
Coverage Ratio	-	117.11	111.3	112.43	119.42
Interbank Ratio	-	15.21	32.87	31.65	40.24
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	4.45	-	-	-	-
EBT + Interest Expense / Interest Expense	2.53	1.76	1.36	1.4	1.51
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	15.32	16.77	5.44	5.3	1.92
Non Interest Income, 1 Yr. Growth %	6.57	-41.62	69.02	5.7	22.44
Provision For Loan Losses, 1 Yr. Growth %	13.57	54.92	70.28	-35.03	15.58
Total Revenues, 1 Yr. Growth %	8.8	-0.92	8.25	15.16	5.84
Earnings From Cont. Operations, 1 Yr. Growth %	24.71	-4.82	16.08	11.1	16.15
Net Income, 1 Yr. Growth %	27.13	-0.33	11.53	10.52	14.87
Normalized Net Income, 1 Yr. Growth %	30.13	0.46	8.3	14.25	17.83
Diluted EPS Before Extra, 1 Yr. Growth %	24.73	-1.69	12.01	13.44	19.92
Dividend Per Share, 1 Yr. Growth %	66.1	0.34	3.73	3.73	37.59
Gross Loans, 1 Yr. Growth %	10.43	5.03	2.9	5.85	3.51
Allowance For Loan Losses, 1 Yr. Growth %	12.2	12.88	31.29	3.12	-4.03
Net Loans, 1 Yr. Growth %	10.41	4.95	2.62	5.88	3.59
Non Performing Loans, 1 Yr. Growth %	-	1.8	38.34	2.09	-9.65
Non Performing Assets, 1 Yr. Growth %	-	1.8	38.34	2.09	-9.65
Total Assets, 1 Yr. Growth %	8.71	5.61	3.93	5.88	5.29
Total Deposits, 1 Yr Growth %	9.88	4.53	3.19	7.18	6.13
Tangible Book Value, 1 Yr. Growth %	12.76	2.19	7.87	2.16	2.71
Common Equity, 1 Yr. Growth %	11.55	1.9	7.76	2.11	2
Total Equity, 1 Yr. Growth %	11.27	2.79	8.81	2.01	1.7
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	10.67	16.14	3.98	5.54	3.6
Non Interest Income, 2 Yr. CAGR %	251.97	-18.79	12.08	32.19	13.76
Provision For Loan Losses, 2 Yr. CAGR %	32.98	32.64	62.94	5.18	-13.34
Total Revenues, 2 Yr. CAGR %	87.97	6.77	-0.81	11.44	10.4
Earnings From Cont. Operations, 2 Yr. CAGR %	15.04	9.16	2.02	13.1	13.6
Net Income, 2 Yr. CAGR %	15.39	12.78	2.49	10.58	12.67
Normalized Net Income, 2 Yr. CAGR %	16.21	16.23	1.33	10.79	16.03
Diluted EPS Before Extra, 2 Yr. CAGR %	13.93	10.95	1.92	12.25	16.64
Dividend Per Share, 2 Yr. CAGR %	15.34	29.1	2.02	3.73	19.46
Gross Loans, 2 Yr. CAGR %	11.45	7.71	3.53	4.36	4.67
Allowance For Loan Losses, 2 Yr. CAGR %	23.69	12.54	21.77	16.36	-0.52
Net Loans, 2 Yr. CAGR %	11.36	7.66	3.35	4.24	4.73
Non Performing Loans, 2 Yr. CAGR %	-	1.79	18.62	18.84	-3.96
Non Performing Assets, 2 Yr. CAGR %	-	1.79	18.62	18.84	-3.96
Total Assets, 2 Yr. CAGR %	13.15	7.15	3.83	4.9	5.59
Total Deposits, 2 Yr CAGR %	10.34	7.17	4.53	5.17	6.65
Tangible Book Value, 2 Yr. CAGR %	11.1	7.39	11.54	4.75	2.43
Common Equity, 2 Yr. CAGR %	10.98	6.67	9.52	4.68	2.06
Total Equity, 2 Yr. CAGR %	11.11	7	10.41	5.14	1.85
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	8.15	12.55	7.69	4.53	4.32
Non Interest Income, 3 Yr. CAGR %	137.2	-5.68	12.37	9.1	28.86
Provision For Loan Losses, 3 Yr. CAGR %	20.72	39.92	44.47	19.93	8.54
Total Revenues, 3 Yr. CAGR %	54.52	6.89	4.21	4.11	9.54
Earnings From Cont. Operations, 3 Yr. CAGR %	12.71	8	9.22	4.68	14.11
Net Income, 3 Yr. CAGR %	12.94	9.89	10.26	4.82	11.99
Normalized Net Income, 3 Yr. CAGR %	12.49	10.7	11.36	5.19	13.09
Diluted EPS Before Extra, 3 Yr. CAGR %	12.36	8.47	9.16	5.33	14.75
Dividend Per Share, 3 Yr. CAGR %	15.26	10.11	20.02	2.59	13.97
Gross Loans, 3 Yr. CAGR %	9.43	9.22	5.79	4.3	4.08
Allowance For Loan Losses, 3 Yr. CAGR %	12.18	19.98	18.49	15.21	9.12
Net Loans, 3 Yr. CAGR %	9.41	9.13	5.66	4.19	4.02
Non Performing Loans, 3 Yr. CAGR %	-	23.16	12.72	12.83	8.46
Non Performing Assets, 3 Yr. CAGR %	-	23.16	12.72	12.83	8.46
Total Assets, 3 Yr. CAGR %	11.45	10.58	5.43	4.51	5.03
Total Deposits, 3 Yr CAGR %	10.36	8.37	6.28	5.41	5.49
Tangible Book Value, 3 Yr. CAGR %	10.28	8.05	11.98	8.16	4.06
Common Equity, 3 Yr. CAGR %	9.95	7.87	10.23	6.84	3.78
Total Equity, 3 Yr. CAGR %	10.58	8.27	10.73	7.39	3.98
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	11.96	9.72	6.4	6.88	6.1
Non Interest Income, 5 Yr. CAGR %	93.22	-0.32	14.23	13.3	12.43
Provision For Loan Losses, 5 Yr. CAGR %	17.06	27.34	36.1	24.99	17.76
Total Revenues, 5 Yr. CAGR %	40.74	6.47	4.83	6.82	6.56
Earnings From Cont. Operations, 5 Yr. CAGR %	14.89	4.53	8.31	8.7	10.77
Net Income, 5 Yr. CAGR %	15.52	5.82	8.64	8.93	11.04
Normalized Net Income, 5 Yr. CAGR %	16.69	9.13	7.89	9.46	13.02
Diluted EPS Before Extra, 5 Yr. CAGR %	14.39	5.33	8.06	8.69	11.9
Dividend Per Share, 5 Yr. CAGR %	18.66	8.97	9.77	7.51	19.8
Gross Loans, 5 Yr. CAGR %	9.38	8.5	7	7.08	5.34
Allowance For Loan Losses, 5 Yr. CAGR %	10.09	14.53	15.92	18.53	10.49
Net Loans, 5 Yr. CAGR %	9.38	8.45	6.91	6.97	5.29
Non Performing Loans, 5 Yr. CAGR %	-	9.41	18.53	21.39	5.72
Non Performing Assets, 5 Yr. CAGR %	-	9.41	18.53	21.39	5.72
Total Assets, 5 Yr. CAGR %	12.06	9.93	8.34	7.88	5.49
Total Deposits, 5 Yr CAGR %	9.19	8.74	7.99	7.35	6.43
Tangible Book Value, 5 Yr. CAGR %	7.81	7.75	10.78	9.33	7.96
Common Equity, 5 Yr. CAGR %	8.89	7.28	9.78	8.48	6.8
Total Equity, 5 Yr. CAGR %	9.09	7.84	10.51	8.86	7