Cash flow Korea Investment Holdings Co., Ltd.

Equities

A071050

KR7071050009

Investment Banking & Brokerage Services

End-of-day quote Korea S.E. Other stock markets 09/12/2025			5-day change	1st Jan Change
1,61,700.00 ^KRW	-0.92%		+1.51%	+126.79%

11/11	Korea Investment Holdings Q3 operating profit 849 billion won, up 133.6% from year earlier	RE
11/11	Korea Investment Holdings Co., Ltd. Reports Earnings Results for the Nine Months Ended September 30, 2025	CI

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Published financial data: KOREA INVESTMENT HOLDINGS CO., LTD.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	-	-	-	-	-
Interest Income On Investments	1,63800Cr	1,73400Cr	2,43200Cr	3,55800Cr	3,98600Cr
Interest Income, Total	1,63800Cr	1,73400Cr	2,43200Cr	3,55800Cr	3,98600Cr
Interest On Deposits	7.94TCr	10TCr	20TCr	40TCr	36TCr
Total Interest On Borrowings	45TCr	42TCr	1,00600Cr	1,89000Cr	2,11800Cr
Interest Expense, Total	53TCr	52TCr	1,21000Cr	2,29200Cr	2,48100Cr
Net Interest Income	1,11100Cr	1,21400Cr	1,22200Cr	1,26600Cr	1,50500Cr
Income From Trading Activities	-	-	-	-	-
Gain (Loss) on Sale of Assets	1.16TCr	1.29TCr	-197.3Cr	-371.7Cr	2.74TCr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	73TCr	15TCr	-1,57400Cr	1,09600Cr	48TCr
Income (Loss) on Equity Invest. (Income Block)	35TCr	91TCr	27TCr	27TCr	33TCr
Total Other Non Interest Income	12,84700Cr	10,23400Cr	19,59300Cr	14,87000Cr	14,91200Cr
Non Operating Income (Expenses)	1.45TCr	1.42TCr	1.34TCr	622.75Cr	1.31TCr
Non Interest Income, Total	13,94400Cr	11,32400Cr	18,30000Cr	16,24000Cr	15,76300Cr
Revenues Before Provison For Loan Losses	15,05600Cr	12,53800Cr	19,52300Cr	17,50600Cr	17,26800Cr
Provision For Loan Losses	12TCr	13TCr	26TCr	72TCr	32TCr
Total Revenues	14,93700Cr	12,40800Cr	19,26500Cr	16,78900Cr	16,94500Cr
Salaries And Other Employee Benefits	60TCr	81TCr	74TCr	66TCr	90TCr
Amort. of Goodwill & Intang. Assets	1.02TCr	1.24TCr	1.85TCr	2.36TCr	2.48TCr
Occupancy Expense	6.12TCr	6.6TCr	7.28TCr	7.77TCr	8.72TCr
Selling General & Admin Expenses, Total	24TCr	27TCr	31TCr	34TCr	36TCr
(Income) Loss on Equity Invest.	-	-	-	-	-
Total Other Non Interest Expense	12,81400Cr	8,83100Cr	17,46300Cr	14,79200Cr	14,16600Cr
Non Operating (Income) Expenses	1.52TCr	418.34Cr	1.63TCr	683.02Cr	1.06TCr
Non Interest Expense, Total	13,74100Cr	9,99000Cr	18,61900Cr	15,90300Cr	15,54700Cr
EBT, Excl. Unusual Items	1,19500Cr	2,41700Cr	65TCr	89TCr	1,39900Cr
EBT, Incl. Unusual Items	1,19500Cr	2,41700Cr	65TCr	89TCr	1,39900Cr
Income Tax Expense	34TCr	65TCr	602.9Cr	18TCr	35TCr
Earnings From Continuing Operations	86TCr	1,76500Cr	64TCr	71TCr	1,04600Cr
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	86TCr	1,76500Cr	64TCr	71TCr	1,04600Cr
Minority Interest	342.27Cr	-15Cr	-295.88Cr	-109.18Cr	-613.1Cr
Net Income - (IS)	86TCr	1,76400Cr	64TCr	71TCr	1,04000Cr
Preferred Dividend and Other Adjustments	-	-	-	6.88TCr	10TCr
Net Income to Common Incl Extra Items	86TCr	1,76400Cr	64TCr	64TCr	94TCr
Net Income to Common Excl. Extra Items	86TCr	1,76400Cr	64TCr	64TCr	94TCr
Per Share Items
Net EPS - Basic	14.78T	30.21T	10.9T	10.93T	16.07T
Basic EPS - Continuing Operations	14.78T	30.21T	10.9T	10.93T	16.07T
Basic Weighted Average Shares Outstanding	5.84Cr	5.84Cr	5.84Cr	5.84Cr	5.84Cr
Net EPS - Diluted	14.78T	30.21T	10.9T	10.93T	16.07T
Diluted EPS - Continuing Operations	14.78T	30.21T	10.9T	10.93T	16.07T
Diluted Weighted Average Shares Outstanding	5.84Cr	5.84Cr	5.84Cr	5.84Cr	5.84Cr
Normalized Basic EPS	12.85T	25.86T	6.86T	9.46T	14.87T
Normalized Diluted EPS	12.85T	25.86T	6.86T	9.46T	14.87T
Dividend Per Share	3T	6.15T	2.3T	2.65T	3.98T
Payout Ratio	19.65	9.95	56.44	19.05	14.92
Supplemental Items
Effective Tax Rate - (Ratio)	28.05	27	0.93	20.07	25.24
Total Current Taxes	-	-	-	-	-
Total Deferred Taxes	-	-	-	-	-
Normalized Net Income	75TCr	1,51100Cr	40TCr	55TCr	87TCr
Non-Cash Pension Expense	-	1.31TCr	1.19TCr	-115.4Cr	-97Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	11,99700Cr	15,30500Cr	14,67300Cr	13,84500Cr	15,48100Cr
Investment Securities, Total	2,87600Cr	3,29700Cr	4,32100Cr	4,26000Cr	4,83100Cr
Trading Asset Securities, Total	37,73400Cr	42,51300Cr	42,02000Cr	52,84900Cr	61,96200Cr
Total investments	40,60900Cr	45,81000Cr	46,34100Cr	57,10900Cr	66,79300Cr
Gross Loans	15,00200Cr	18,67400Cr	22,05200Cr	23,01600Cr	24,79300Cr
Allowance For Loan Losses	-22TCr	-32TCr	-51TCr	-94TCr	-1,07100Cr
Net Loans	14,78400Cr	18,35300Cr	21,53900Cr	22,07400Cr	23,72200Cr
Gross Property Plant And Equipment	65TCr	68TCr	72TCr	73TCr	85TCr
Accumulated Depreciation	-26TCr	-30TCr	-32TCr	-36TCr	-37TCr
Net Property Plant And Equipment	39TCr	38TCr	40TCr	37TCr	48TCr
Goodwill	2.44TCr	2.51TCr	4.5TCr	2.52TCr	2.59TCr
Other Intangibles, Total	5.46TCr	5.64TCr	7.54TCr	8.11TCr	8.46TCr
Investment in Real Estate	15TCr	15TCr	15TCr	279.16Cr	275.63Cr
Accrued Interest Receivable	24TCr	28TCr	42TCr	51TCr	73TCr
Other Receivables	2,04400Cr	1,39800Cr	2,18400Cr	1,54900Cr	1,58700Cr
Restricted Cash	-	-	-	-	-
Other Current Assets, Total	8.24TCr	12TCr	22TCr	26TCr	21TCr
Deferred Tax Assets Long-Term (Collected)	23Cr	48Cr	8.85TCr	152.2Cr	7.49TCr
Deferred Charges Long-Term	2.74TCr	3.86TCr	5.73TCr	6.29TCr	5.48TCr
Other Long-Term Assets, Total	3.54TCr	11TCr	12TCr	1.24TCr	-2.32TCr
Total Assets	70,43800Cr	82,03700Cr	86,30900Cr	95,90100Cr	1,09,22000Cr
Liabilities
Accounts Payable, Total	-	-	-	-	-
Accrued Expenses, Total	42TCr	55TCr	59TCr	69TCr	95TCr
Interest Bearing Deposits	13,15500Cr	14,76800Cr	13,93800Cr	13,65600Cr	16,13900Cr
Total Deposits	13,15500Cr	14,76800Cr	13,93800Cr	13,65600Cr	16,13900Cr
Short-Term Borrowings	21,31800Cr	24,87700Cr	16,49000Cr	23,14000Cr	27,65600Cr
Current Portion of Long-Term Debt	-	-	-	-	-
Long-Term Debt	12,39300Cr	18,29900Cr	32,30200Cr	35,98100Cr	40,04900Cr
Current Income Taxes Payable	23TCr	30TCr	9.48TCr	684.99Cr	32TCr
Other Current Liabilities - (Bank / Utility Template)	13,93300Cr	12,12900Cr	11,14600Cr	11,14000Cr	11,58600Cr
Unearned Revenue Non Current	7.81TCr	12TCr	12TCr	20TCr	20TCr
Pension & Other Post Retirement Benefits	887.83Cr	867.93Cr	-	-	551.37Cr
Deferred Tax Liability Non-Current	6.19TCr	24TCr	6.84Cr	8.96TCr	158.68Cr
Other Non Current Liabilities	3,20400Cr	3,31100Cr	3,91800Cr	2,54800Cr	2,57500Cr
Total Liabilities	64,80500Cr	74,60800Cr	78,60300Cr	87,45600Cr	99,48600Cr
Preferred Stock - Others	-	-	-	-	-
Total Preferred Equity	-	-	-	-	-
Common Stock, Total	31TCr	31TCr	31TCr	31TCr	31TCr
Additional Paid In Capital	60TCr	60TCr	60TCr	60TCr	60TCr
Retained Earnings	4,71300Cr	6,30200Cr	6,57900Cr	7,15100Cr	8,03600Cr
Treasury Stock	-5.01TCr	-5.01TCr	-5.01TCr	-5.01TCr	-5.01TCr
Comprehensive Income and Other	3.75TCr	24TCr	24TCr	37TCr	76TCr
Total Common Equity	5,61200Cr	7,39800Cr	7,67900Cr	8,37400Cr	9,65100Cr
Minority Interest	2.05TCr	2.99TCr	2.63TCr	7.14TCr	8.38TCr
Total Equity	5,63200Cr	7,42800Cr	7,70600Cr	8,44500Cr	9,73500Cr
Total Liabilities And Equity	70,43800Cr	82,03700Cr	86,30900Cr	95,90100Cr	1,09,22000Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	5.84Cr	5.84Cr	5.84Cr	5.84Cr	5.84Cr
ECS Total Common Shares Outstanding	5.84Cr	5.84Cr	5.84Cr	5.84Cr	5.84Cr
Book Value / Share	96.1T	1L	1L	1L	2L
Tangible Book Value	5,53300Cr	7,31700Cr	7,55900Cr	8,26700Cr	9,54000Cr
Tangible Book Value Per Share	94.74T	1L	1L	1L	2L
Total Debt	33,71100Cr	43,17500Cr	48,79200Cr	59,12100Cr	67,70500Cr
Deposits at Interest - Cash	-	2,57200Cr	2,97400Cr	3,71900Cr	3,14800Cr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-	867.9Cr	-886.5Cr	-643.6Cr	551.4Cr
Net Debt	-16,01900Cr	-14,64200Cr	-7,90100Cr	-7,57300Cr	-9,73800Cr
Equity Method Investments, Total	2,87600Cr	3,29700Cr	4,32100Cr	4,26000Cr	4,83100Cr
Full Time Employees	-	-	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	86TCr	1,76400Cr	64TCr	71TCr	1,04000Cr
Depreciation, Depletion & Amortization	5.71TCr	6.15TCr	6.65TCr	6.99TCr	7.84TCr
Amortization of Goodwill and Intangible Assets - (CF)	1.02TCr	1.24TCr	1.85TCr	2.36TCr	2.48TCr
Total Depreciation, Depletion & Amortization	6.73TCr	7.39TCr	8.5TCr	9.35TCr	10TCr
Amortization of Deferred Charges, Total	-	-	-	-	-
Gain (Loss) on Sale of Loans & Receivables - (CF)	-41Cr	-	-	-	-
(Gain) Loss On Sale of Asset - (CF)	-1.18TCr	-1.61TCr	-695.7Cr	-1.82TCr	-2.61TCr
(Gain) Loss on Sale of Investments - (CF)	8.66TCr	31TCr	1,74400Cr	12TCr	17TCr
Provision for Credit Losses	12TCr	13TCr	26TCr	72TCr	32TCr
(Income) Loss On Equity Investments - (CF)	-33TCr	-87TCr	-9.4TCr	-4.49TCr	-17TCr
Change in Trading Asset Securities	-7,20700Cr	-1,68400Cr	2,94300Cr	-10,98300Cr	-10,14000Cr
Change in Other Net Operating Assets (Collected)	-2,28000Cr	-5,81100Cr	-7,52600Cr	2,35500Cr	-1,81200Cr
Other Operating Activities	147.59Cr	24TCr	-1,81900Cr	5.22TCr	26TCr
Cash from Operations	-8,68900Cr	-5,86400Cr	-3,78000Cr	-7,00600Cr	-10,25600Cr
Capital Expenditure	-2.26TCr	-2.01TCr	-2.43TCr	-2.13TCr	-4.05TCr
Sale of Property, Plant, and Equipment	11Cr	19Cr	30Cr	512.45Cr	251.12Cr
Cash Acquisitions	2.95TCr	41TCr	29TCr	6.85TCr	12TCr
Purchase / Sale of Intangible Assets	-1.29TCr	-1.02TCr	-3.18TCr	-2.42TCr	-1.13TCr
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	13TCr	-2,73300Cr	-3.81TCr	-1,20200Cr	2,38200Cr
Net (Increase) Decrease in Loans Originated / Sold - Investing	2.08Cr	-122.18Cr	-641.26Cr	1.05Cr	3.14Cr
Other Investing Activities, Total	-816.36Cr	-1.36TCr	-970.57Cr	-643.98Cr	-746.71Cr
Cash from Investing	12TCr	-2,36400Cr	18TCr	-1,18000Cr	2,44800Cr
Long-Term Debt Issued, Total	3,33800Cr	7,48400Cr	5,24800Cr	10,78900Cr	8,36300Cr
Total Debt Issued	3,33800Cr	7,48400Cr	5,24800Cr	10,78900Cr	8,36300Cr
Long-Term Debt Repaid, Total	-3.17TCr	-4.32TCr	-3.77TCr	-1,48900Cr	-3,55100Cr
Total Debt Repaid	-3.17TCr	-4.32TCr	-3.77TCr	-1,48900Cr	-3,55100Cr
Common Dividends Paid	-17TCr	-18TCr	-36TCr	-13TCr	-16TCr
Common & Preferred Stock Dividends Paid	-17TCr	-18TCr	-36TCr	-13TCr	-16TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	6,50600Cr	1,61300Cr	-83TCr	-28TCr	2,48200Cr
Other Financing Activities, Total	-559.55Cr	65.83L	-1.29TCr	4.51TCr	61Cr
Cash from Financing	9,63700Cr	8,87900Cr	4,00800Cr	8,92900Cr	7,14000Cr
Foreign Exchange Rate Adjustments	-809.02Cr	1.14TCr	-650.99Cr	54Cr	9.72TCr
Net Change in Cash	1,05700Cr	66TCr	40TCr	74TCr	-57TCr
Supplemental Items
Cash Interest Paid	52TCr	50TCr	1,19900Cr	2,03700Cr	2,42400Cr
Cash Income Tax Paid (Refund)	16TCr	44TCr	54TCr	19TCr	15TCr
Net Debt Issued / Repaid	3,30700Cr	7,44100Cr	5,21000Cr	9,29900Cr	4,81200Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	1.31	2.31	0.76	0.78	1.02
Return On Equity %	16.13	27.02	8.46	8.77	11.51
Return on Common Equity	16.27	27.12	8.45	7.95	10.42
Shareholders Value Added	24TCr	1LCr	-25TCr	-23TCr	-1.69TCr
Margin Analysis
SG&A Margin	6.04	9.21	5.82	6.44	7.94
Net Interest Income / Total Revenues %	7.44	9.78	6.34	7.54	8.88
EBT Excl. Non-Recurring Items Margin %	8	19.48	3.35	5.28	8.26
Income From Continuing Operations Margin %	5.76	14.22	3.32	4.22	6.17
Net Income Margin %	5.78	14.22	3.31	4.21	6.14
Net Avail. For Common Margin %	5.78	14.22	3.31	3.8	5.54
Normalized Net Income Margin	5.02	12.17	2.08	3.29	5.12
Asset quality
Nonperforming Loans / Total Loans %	-	1.18	1.59	4.02	5.17
Nonperforming Loans / Total Assets %	-	0.27	0.41	0.96	1.17
Nonperforming Assets / Total Assets %	-	0.27	0.41	0.96	1.17
NPAs / Loans and OREO	-	1.18	1.59	4.02	5.17
NPAs / Equity	-	2.97	4.54	10.95	13.16
Allowance for Credit Losses / Net Charge-offs %	-	5.71T	4.35T	1.16T	995.96
Allowance for Credit Losses / Nonperforming Loans %	-	145.7	146.42	101.77	83.56
Allowance for Credit Losses / Total Loans %	1.45	1.72	2.33	4.09	4.32
Provision for Loan Losses / Net Charge-offs %	-	2.32T	2.19T	885.9	299.7
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.09	8.53	8.96	8.81	8.79
Total Average Equity / Total Average Assets %	8.13	8.57	8.99	8.86	8.86
Total Equity + Allowance for Loan Losses / Total Loans %	38.86	41.34	37.15	40.47	43.24
Gross Loans / Total Deposits %	114.04	126.45	158.21	168.53	153.62
Net Loans / Total Deposits %	112.38	124.27	154.53	161.64	146.99
Total Capital Ratio %	-	-	-	-	-
Coverage Ratio	-	145.7	146.42	101.77	83.56
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	3.67	6.75	1.64	1.47	1.66
EBT + Interest Expense / Interest Expense	3.27	5.65	1.53	1.39	1.56
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	25.96	9.21	0.7	0.58	18.88
Non Interest Income, 1 Yr. Growth %	57.54	-18.79	61.6	-11.08	-2.94
Provision For Loan Losses, 1 Yr. Growth %	128.15	9.42	97.51	178.17	-55.03
Total Revenues, 1 Yr. Growth %	54.29	-16.93	55.27	-12.85	0.93
Earnings From Cont. Operations, 1 Yr. Growth %	13.3	105.17	-63.74	10.67	47.71
Net Income, 1 Yr. Growth %	2.16	104.34	-63.91	11.01	47.07
Normalized Net Income, 1 Yr. Growth %	13.45	101.28	-73.47	37.9	57.12
Diluted EPS Before Extra, 1 Yr. Growth %	14.05	104.38	-63.92	0.21	32.77
Dividend Per Share, 1 Yr. Growth %	3.45	105	-62.6	15.22	50.19
Gross Loans, 1 Yr. Growth %	21.24	24.47	18.09	4.37	7.72
Allowance For Loan Losses, 1 Yr. Growth %	41.98	47.29	59.59	83.56	13.77
Net Loans, 1 Yr. Growth %	20.98	24.14	17.36	2.49	7.46
Non Performing Loans, 1 Yr. Growth %	-	35.25	58.81	132.68	38.56
Non Performing Assets, 1 Yr. Growth %	-	35.25	58.81	132.68	38.56
Total Assets, 1 Yr. Growth %	15.92	16.47	5.21	11.11	13.89
Total Deposits, 1 Yr Growth %	99.63	12.26	-5.62	-2.02	18.18
Tangible Book Value, 1 Yr. Growth %	12.28	32.24	3.31	9.37	15.4
Common Equity, 1 Yr. Growth %	12.15	31.83	3.8	9.04	15.25
Total Equity, 1 Yr. Growth %	11.91	31.88	3.74	9.59	15.27
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	21.16	17.29	4.87	2.12	9.35
Non Interest Income, 2 Yr. CAGR %	45.32	13.11	14.56	19.75	-7.1
Provision For Loan Losses, 2 Yr. CAGR %	54.06	58	47.01	134.4	11.84
Total Revenues, 2 Yr. CAGR %	42.95	13.21	13.57	16.32	-6.21
Earnings From Cont. Operations, 2 Yr. CAGR %	26.56	52.46	-13.75	-36.65	27.85
Net Income, 2 Yr. CAGR %	27.69	44.49	-14.12	-36.7	27.77
Normalized Net Income, 2 Yr. CAGR %	26	51.11	-26.93	-39.52	47.2
Diluted EPS Before Extra, 2 Yr. CAGR %	25.26	52.67	-14.12	-39.85	21.41
Dividend Per Share, 2 Yr. CAGR %	29.1	45.63	-12.44	-34.36	31.55
Gross Loans, 2 Yr. CAGR %	-11.78	22.85	21.24	11.02	6.03
Allowance For Loan Losses, 2 Yr. CAGR %	18.97	44.61	53.32	71.16	44.51
Net Loans, 2 Yr. CAGR %	-12.08	22.55	20.7	9.67	4.95
Non Performing Loans, 2 Yr. CAGR %	-	-	46.56	104.8	79.55
Non Performing Assets, 2 Yr. CAGR %	-	-	46.56	104.8	79.55
Total Assets, 2 Yr. CAGR %	4.91	16.19	10.69	8.12	12.49
Total Deposits, 2 Yr CAGR %	-12.19	49.7	2.93	-3.84	7.61
Tangible Book Value, 2 Yr. CAGR %	14.55	21.85	16.89	6.3	12.34
Common Equity, 2 Yr. CAGR %	14.02	21.6	16.98	6.39	12.1
Total Equity, 2 Yr. CAGR %	7.24	21.49	16.97	6.63	12.4
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	20.73	17.04	11.47	4.43	7.43
Non Interest Income, 3 Yr. CAGR %	40.44	19.7	27.4	5.21	11.65
Provision For Loan Losses, 3 Yr. CAGR %	434.18	37.45	70.21	81.83	35.19
Total Revenues, 3 Yr. CAGR %	38.15	19.29	25.78	3.97	10.95
Earnings From Cont. Operations, 3 Yr. CAGR %	22.92	48.68	-5.54	-6.28	-16
Net Income, 3 Yr. CAGR %	19.17	49.36	-9	-6.45	-16.16
Normalized Net Income, 3 Yr. CAGR %	18.66	47.3	-15.39	-9.7	-16.86
Diluted EPS Before Extra, 3 Yr. CAGR %	19.18	47.46	-5.61	-9.58	-18.97
Dividend Per Share, 3 Yr. CAGR %	-	50.61	-7.44	-4.05	-13.5
Gross Loans, 3 Yr. CAGR %	6.69	-1.06	21.24	15.33	9.91
Allowance For Loan Losses, 3 Yr. CAGR %	28.33	27.75	49.44	62.8	49.37
Net Loans, 3 Yr. CAGR %	6.47	-1.36	20.79	14.3	8.93
Non Performing Loans, 3 Yr. CAGR %	-	0.67	-	78.35	79.79
Non Performing Assets, 3 Yr. CAGR %	-	0.67	-	78.35	79.79
Total Assets, 3 Yr. CAGR %	13.06	8.63	12.41	10.83	10.01
Total Deposits, 3 Yr CAGR %	7.56	-4.7	28.36	1.25	3
Tangible Book Value, 3 Yr. CAGR %	13.77	20.17	15.33	14.33	9.25
Common Equity, 3 Yr. CAGR %	13.32	19.67	15.35	14.27	9.26
Total Equity, 3 Yr. CAGR %	10.83	14.89	15.26	14.46	9.43
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	18.96	20.41	14.11	10.83	11.27
Non Interest Income, 5 Yr. CAGR %	32.08	22.27	29.45	19.72	12.23
Provision For Loan Losses, 5 Yr. CAGR %	125.8	311.16	218.83	70.17	43.89
Total Revenues, 5 Yr. CAGR %	30.58	21.83	27.74	18.09	11.85
Earnings From Cont. Operations, 5 Yr. CAGR %	21.54	45.44	6.68	5.69	6.62
Net Income, 5 Yr. CAGR %	21.64	44.54	4.53	5.95	4.23
Normalized Net Income, 5 Yr. CAGR %	23.55	44.77	-2.26	3.17	5.59
Diluted EPS Before Extra, 5 Yr. CAGR %	21.65	44.57	4.54	3.01	4.4
Dividend Per Share, 5 Yr. CAGR %	-	-	-	8.04	6.54
Gross Loans, 5 Yr. CAGR %	29.34	28.03	12.29	3.61	14.91
Allowance For Loan Losses, 5 Yr. CAGR %	22.42	32.08	37.8	43.6	47.45
Net Loans, 5 Yr. CAGR %	29.46	27.97	11.95	2.91	14.19
Non Performing Loans, 5 Yr. CAGR %	-	-	33.67	33.74	-
Non Performing Assets, 5 Yr. CAGR %	-	-	33.67	33.74	-
Total Assets, 5 Yr. CAGR %	17.45	17.06	12.11	8.42	12.44
Total Deposits, 5 Yr CAGR %	22.14	22.39	5.69	-4.36	19.62
Tangible Book Value, 5 Yr. CAGR %	12.27	17.31	15	14.42	14.13
Common Equity, 5 Yr. CAGR %	12.1	16.98	14.77	14.17	14.04
Total Equity, 5 Yr. CAGR %	12.18	16.25	13.25	11.51	14.1