Balance Sheet Lloyds Banking Group plc

Equities

LLOY

GB0008706128

Banks

Market Closed - London S.E. Other stock markets 09:05:20 13/05/2026 pm IST			5-day change	1st Jan Change
95.06 ^GBX	+1.06%		-4.42%	-3.24%

01:48pm	Shares up as gilts steady, Intertek jumps on bid	AN
12/05	Pound wobbles, bonds suffer as Starmer battles on	AN

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Published financial data: LLOYDS BANKING GROUP PLC

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	1.33TCr	1.76TCr	2.81TCr	3.13TCr	3.07TCr
Interest Income, Total	1.33TCr	1.76TCr	2.81TCr	3.13TCr	3.07TCr
Interest On Deposits	389.2Cr	368.8Cr	1.48TCr	1.9TCr	1.75TCr
Interest Expense, Total	389.2Cr	368.8Cr	1.48TCr	1.9TCr	1.75TCr
Net Interest Income	936.6Cr	1.4TCr	1.33TCr	1.23TCr	1.32TCr
Income From Trading Activities	1.66TCr	-1.95TCr	1.81TCr	1.78TCr	148.5Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-20L	9.2Cr	12Cr	70L	30L
Income (Loss) on Equity Invest. (Income Block)	20L	1Cr	-1.6Cr	-	-
Total Other Non Interest Income	-1.02TCr	2.41TCr	-1.28TCr	-1.21TCr	470.4Cr
Non Interest Income, Total	638.3Cr	476.3Cr	541.8Cr	565.9Cr	619.2Cr
Revenues Before Provison For Loan Losses	1.57TCr	1.87TCr	1.87TCr	1.79TCr	1.94TCr
Provision For Loan Losses	-137.8Cr	152.2Cr	30Cr	43Cr	80Cr
Total Revenues	1.71TCr	1.72TCr	1.84TCr	1.75TCr	1.86TCr
Salaries And Other Employee Benefits	352.5Cr	402.2Cr	400.6Cr	463.2Cr	466.1Cr
Stock-Based Compensation (IS)	27Cr	-	-	-	-
Amort. of Goodwill & Intang. Assets	96Cr	90Cr	-	-	-
Occupancy Expense	193.1Cr	166.6Cr	335.4Cr	388Cr	398Cr
Selling General & Admin Expenses, Total	172.1Cr	201Cr	-	-	-
Total Other Non Interest Expense	100.1Cr	110.8Cr	297.6Cr	304.9Cr	327.9Cr
Non Interest Expense, Total	940.8Cr	970.9Cr	1.03TCr	1.16TCr	1.19TCr
EBT, Excl. Unusual Items	771.9Cr	748.9Cr	807.7Cr	594.4Cr	670.7Cr
Restructuring Charges	-9.2Cr	-5Cr	-49Cr	-	-
Total Merger & Related Restructuring Charges	-	-	-	-4Cr	-4.6Cr
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	58Cr	-51Cr	-8.7Cr	6.7Cr	-
Legal Settlements	-130Cr	-	-	-	-
EBT, Incl. Unusual Items	690.2Cr	692.8Cr	750.3Cr	597.1Cr	666.1Cr
Income Tax Expense	101.7Cr	137.3Cr	198.5Cr	149.4Cr	190.4Cr
Earnings From Continuing Operations	588.5Cr	555.5Cr	551.8Cr	447.7Cr	475.7Cr
Net Income to Company	588.5Cr	555.5Cr	551.8Cr	447.7Cr	475.7Cr
Minority Interest	-10Cr	-9.6Cr	-5.8Cr	-5.6Cr	-9.8Cr
Net Income - (IS)	578.4Cr	545.9Cr	546Cr	442.1Cr	465.9Cr
Preferred Dividend and Other Adjustments	43Cr	44Cr	53Cr	50Cr	46Cr
Net Income to Common Incl Extra Items	535.5Cr	502.1Cr	493.3Cr	392.3Cr	419.6Cr
Net Income to Common Excl. Extra Items	535.5Cr	502.1Cr	493.3Cr	392.3Cr	419.6Cr
Per Share Items
Net EPS - Basic	0.08	0.07	0.08	0.06	0.07
Basic EPS - Continuing Operations	0.08	0.07	0.08	0.06	0.07
Basic Weighted Average Shares Outstanding	7.09TCr	6.88TCr	6.5TCr	6.24TCr	5.99TCr
Net EPS - Diluted	0.08	0.07	0.08	0.06	0.07
Diluted EPS - Continuing Operations	0.08	0.07	0.08	0.06	0.07
Diluted Weighted Average Shares Outstanding	7.18TCr	6.97TCr	6.58TCr	6.31TCr	6.08TCr
Normalized Basic EPS	0.07	0.07	0.08	0.06	0.07
Normalized Diluted EPS	0.07	0.07	0.08	0.06	0.07
Dividend Per Share	0.02	0.02	0.03	0.03	0.04
Payout Ratio	22.58	35.04	39.89	52.61	52.87
American Depositary Receipts Ratio (ADR)	4	4	4	4	4
Supplemental Items
Effective Tax Rate - (Ratio)	14.73	19.82	26.46	25.02	28.58
Current Domestic Taxes	137.8Cr	112.1Cr	125Cr	107Cr	128.1Cr
Current Foreign Taxes	3Cr	8.3Cr	9.8Cr	12Cr	15Cr
Total Current Taxes	140.8Cr	120.4Cr	134.8Cr	118.9Cr	142.9Cr
Total Deferred Taxes	-39Cr	17Cr	64Cr	30Cr	48Cr
Normalized Net Income	472.34Cr	458.46Cr	499.01Cr	365.9Cr	409.39Cr
Non-Cash Pension Expense	2.1Cr	-5.7Cr	-17Cr	-9.8Cr	-
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	27Cr	-	-	-	-
Total Stock-Based Compensation	27Cr	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	7.64TCr	9.58TCr	7.62TCr	6.27TCr	5.66TCr
Investment Securities, Total	26TCr	23TCr	25TCr	29TCr	33TCr
Trading Asset Securities, Total	5.84TCr	5.21TCr	5.7TCr	4.03TCr	3.55TCr
Mortgage Backed Securities	42Cr	23Cr	-	-	-
Total investments	32TCr	28TCr	31TCr	34TCr	36TCr
Gross Loans	45TCr	47TCr	47TCr	47TCr	49TCr
Allowance For Loan Losses	-382Cr	-453.3Cr	-372.5Cr	-319.2Cr	-301.2Cr
Other Adjustments to Gross Loans	-25Cr	-176.1Cr	-228.6Cr	-246.5Cr	-252.5Cr
Net Loans	45TCr	46TCr	46TCr	47TCr	49TCr
Gross Property Plant And Equipment	-	-	-	-	-
Accumulated Depreciation	-	-	-	-	-
Net Property Plant And Equipment	796.5Cr	812.8Cr	966.8Cr	1.01TCr	1.1TCr
Goodwill	232Cr	265.5Cr	279.8Cr	274.8Cr	301Cr
Other Intangibles, Total	419.6Cr	478.6Cr	535.4Cr	530.3Cr	546.1Cr
Investment in Real Estate	361.2Cr	253.2Cr	286.2Cr	328.1Cr	391.7Cr
Other Receivables	51Cr	85Cr	118.3Cr	53Cr	134.6Cr
Restricted Cash	499.3Cr	211.1Cr	193Cr	2.1Cr	3.7Cr
Other Current Assets, Total	102.2Cr	122.4Cr	145.5Cr	675.6Cr	179.2Cr
Deferred Tax Assets Long-Term (Collected)	311.8Cr	522.8Cr	518.5Cr	500.5Cr	399Cr
Deferred Charges Long-Term	6.4Cr	5.4Cr	3.9Cr	-	-
Other Long-Term Assets, Total	1.28TCr	1.18TCr	649.7Cr	725.8Cr	631.9Cr
Total Assets	89TCr	88TCr	88TCr	91TCr	94TCr
Liabilities
Interest Bearing Deposits	37TCr	37TCr	37TCr	39TCr	40TCr
Non-Interest Bearing Deposits	11TCr	11TCr	10TCr	10TCr	10TCr
Total Deposits	48TCr	48TCr	48TCr	49TCr	50TCr
Short-Term Borrowings	5.78TCr	8.54TCr	6.99TCr	2.98TCr	3.2TCr
Current Portion of Long-Term Debt	1.7TCr	1.85TCr	1.77TCr	4.85TCr	4.58TCr
Current Portion of Leases	23Cr	23Cr	34Cr	33Cr	29Cr
Long-Term Debt	6.56TCr	5.85TCr	6.14TCr	6.68TCr	6.93TCr
Long-Term Leases	124.2Cr	108.4Cr	129.7Cr	93Cr	73Cr
Current Income Taxes Payable	60L	80L	3.9Cr	4.5Cr	5.2Cr
Other Current Liabilities - (Bank / Utility Template)	6.16TCr	5.56TCr	6.46TCr	7.42TCr	3.05TCr
Unearned Revenue Non Current	31Cr	25Cr	-	-	-
Pension & Other Post Retirement Benefits	23Cr	13Cr	14Cr	12Cr	12Cr
Deferred Tax Liability Non-Current	3.9Cr	22Cr	16Cr	12Cr	15Cr
Other Non Current Liabilities	15TCr	13TCr	14TCr	15TCr	21TCr
Total Liabilities	83TCr	83TCr	83TCr	86TCr	90TCr
Common Stock, Total	710.2Cr	672.9Cr	635.8Cr	606.2Cr	588.9Cr
Additional Paid In Capital	1.85TCr	1.85TCr	1.86TCr	1.87TCr	1.88TCr
Retained Earnings	1.02TCr	1.01TCr	679Cr	591.2Cr	629.1Cr
Comprehensive Income and Other	1.71TCr	1.19TCr	1.54TCr	1.5TCr	1.67TCr
Total Common Equity	5.29TCr	4.73TCr	4.72TCr	4.57TCr	4.77TCr
Minority Interest	24Cr	24Cr	20Cr	17Cr	20Cr
Total Equity	5.32TCr	4.75TCr	4.74TCr	4.59TCr	4.79TCr
Total Liabilities And Equity	89TCr	88TCr	88TCr	91TCr	94TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	7.06TCr	6.63TCr	6.35TCr	6.05TCr	5.88TCr
ECS Total Common Shares Outstanding	7.06TCr	6.63TCr	6.35TCr	6.05TCr	5.88TCr
Book Value / Share	0.67	0.63	0.63	0.65	0.71
Tangible Book Value	4.64TCr	3.98TCr	3.9TCr	3.77TCr	3.92TCr
Tangible Book Value Per Share	0.57	0.52	0.51	0.52	0.57
Tangible Book Value Per Share (As Reported)	0.58	0.52	0.51	0.52	0.57
Average Assets	-	-	-	-	93TCr
Average Loans	-	-	-	-	54TCr
Total Debt	14TCr	16TCr	15TCr	15TCr	15TCr
Deposits at Interest - Cash	495.2Cr	655.2Cr	1.27TCr	813.2Cr	396.9Cr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-440.4Cr	-373.2Cr	-353.2Cr	-294.5Cr	-261.2Cr
Net Debt	-5.4TCr	-3.62TCr	-2.89TCr	-3.53TCr	-2.3TCr
Equity Method Investments, Total	35Cr	38Cr	40Cr	54Cr	44Cr
Full Time Employees	57.96T	59.35T	62.57T	61.23T	60.06T
Assets on Operating Lease - Gross	-	-	-	-	-
Assets on Operating Lease - Accumulated Depreciation	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	578.4Cr	545.9Cr	546Cr	442.1Cr	465.9Cr
Depreciation, Depletion & Amortization	183.9Cr	147.1Cr	177.7Cr	210.4Cr	210.2Cr
Amortization of Goodwill and Intangible Assets - (CF)	9.4Cr	9.2Cr	10Cr	10Cr	10Cr
Total Depreciation, Depletion & Amortization	193.3Cr	156.3Cr	187.7Cr	220.5Cr	220.7Cr
Amortization of Deferred Charges, Total	89Cr	83Cr	102.8Cr	122.1Cr	127Cr
(Gain) Loss On Sale of Asset - (CF)	-27Cr	-12Cr	-6.1Cr	-3.6Cr	6.5Cr
(Gain) Loss on Sale of Investments - (CF)	-31Cr	38Cr	113.5Cr	18Cr	-61Cr
Total Asset Writedown	-58Cr	51Cr	8.7Cr	-6.7Cr	-9.9Cr
Provision for Credit Losses	-205.6Cr	61Cr	-80Cr	-54Cr	-23Cr
(Income) Loss On Equity Investments - (CF)	-20L	-1Cr	1.6Cr	1.3Cr	-10L
Stock-Based Compensation (CF)	18Cr	22Cr	-	-	-
Change in Trading Asset Securities	-943.3Cr	1.85TCr	-2.07TCr	-1.4TCr	-2.01TCr
Change in Other Net Operating Assets (Collected)	-1.97TCr	-172.1Cr	2.08TCr	-1.34TCr	129.1Cr
Other Operating Activities	658.5Cr	-2.01TCr	294.6Cr	421.9Cr	372.9Cr
Cash from Operations	-1.69TCr	613.5Cr	1.18TCr	-1.57TCr	-778.1Cr
Capital Expenditure	-322.8Cr	-385.5Cr	-545.5Cr	-436.4Cr	-507.1Cr
Sale of Property, Plant, and Equipment	143.7Cr	155Cr	102.7Cr	150.5Cr	156Cr
Cash Acquisitions	-5.7Cr	-41Cr	-38Cr	-18Cr	2.7Cr
Divestitures	-	-	-	6.2Cr	-
Purchase / Sale of Intangible Assets	-	-	-	-125.9Cr	-125.2Cr
Investment in Marketable and Equity Securities, Total	-70Cr	322.4Cr	-501.3Cr	-345.6Cr	-545.3Cr
Cash from Investing	-254.5Cr	51Cr	-982.1Cr	-769.1Cr	-1.02TCr
Long-Term Debt Issued, Total	50Cr	84Cr	141.7Cr	81Cr	175.7Cr
Total Debt Issued	50Cr	84Cr	141.7Cr	81Cr	175.7Cr
Long-Term Debt Repaid, Total	-105.6Cr	-221.6Cr	-174.5Cr	-82Cr	-192.8Cr
Total Debt Repaid	-105.6Cr	-221.6Cr	-174.5Cr	-82Cr	-192.8Cr
Issuance of Common Stock	2.5Cr	78Cr	185.8Cr	94Cr	160.3Cr
Repurchase of Common Stock	-	-340.8Cr	-212.8Cr	-383.5Cr	-346.9Cr
Common Dividends Paid	-130.6Cr	-191.3Cr	-217.8Cr	-232.6Cr	-246.3Cr
Common & Preferred Stock Dividends Paid	-130.6Cr	-191.3Cr	-217.8Cr	-232.6Cr	-246.3Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	2.36TCr	1.59TCr	-496Cr	1.13TCr	1.35TCr
Special Dividend Paid	-	-	-	-	-
Other Financing Activities, Total	-139.6Cr	-69Cr	-72Cr	-71Cr	-86Cr
Cash from Financing	2.03TCr	926.3Cr	-846Cr	539.7Cr	812.5Cr
Foreign Exchange Rate Adjustments	7Cr	73Cr	-48Cr	-70L	-38Cr
Net Change in Cash	91Cr	1.66TCr	-699.1Cr	-1.8TCr	-1.02TCr
Supplemental Items
Cash Interest Paid	130.3Cr	60Cr	62Cr	62Cr	81Cr
Cash Income Tax Paid (Refund)	80Cr	74Cr	143.7Cr	34Cr	210.5Cr
Net Debt Issued / Repaid	-56Cr	-137.8Cr	-33Cr	-70L	-17Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.67	0.63	0.63	0.5	0.51
Return On Equity %	11.48	11.04	12.09	9.6	10.15
Return on Common Equity	10.49	10.02	10.86	8.45	8.99
Shareholders Value Added	-19Cr	-43Cr	41Cr	-102.58Cr	-81Cr
Margin Analysis
SG&A Margin	40.92	43.96	39.97	48.63	46.39
Net Interest Income / Total Revenues %	54.69	81.15	72.22	70.13	71.03
EBT Excl. Non-Recurring Items Margin %	45.07	43.55	43.87	33.96	36.01
Income From Continuing Operations Margin %	34.36	32.3	29.97	25.58	25.54
Net Income Margin %	33.77	31.74	29.65	25.26	25.01
Net Avail. For Common Margin %	31.27	29.2	26.79	22.41	22.53
Normalized Net Income Margin	27.58	26.66	27.1	20.9	21.98
Asset quality
Nonperforming Loans / Total Loans %	1.42	1.64	1.53	1.42	1.32
Nonperforming Loans / Total Assets %	0.73	0.87	0.81	0.74	0.69
Nonperforming Assets / Total Assets %	0.73	0.87	0.81	0.74	0.69
NPAs / Loans and OREO	1.42	1.64	1.53	1.42	1.32
NPAs / Equity	12.12	16.08	15.09	14.64	13.63
Allowance for Credit Losses / Net Charge-offs %	408.56	597.23	334.08	310.2	274.82
Allowance for Credit Losses / Nonperforming Loans %	59.29	59.33	52.12	47.53	46.15
Allowance for Credit Losses / Total Loans %	0.84	0.97	0.8	0.67	0.61
Net Charge-offs / Total Average Loans %	-	-	-	-	0.2
Provision for Loan Losses / Net Charge-offs %	-147.38	200.53	27.17	41.89	72.54
Earning Assets / IBL	-	-	-	-	126.87
Interest Income / Average Assets	-	-	-	-	3.31
Interest Expense / Average Assets	-	-	-	-	1.88
Net Interest Income / Average Assets	-	-	-	-	1.42
Non Interest Income / Average Assets	-	-	-	-	0.67
Non Interest Expense / Average Asset	-	-	-	-	1.28
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.81	5.68	5.18	5.19	5.05
Total Average Equity / Total Average Assets %	5.83	5.71	5.2	5.22	5.07
Total Equity + Allowance for Loan Losses / Total Loans %	12.48	11.14	10.91	10.33	10.25
Gross Loans / Total Deposits %	93.94	96.41	97.69	96.83	98.41
Net Loans / Total Deposits %	93.1	95.11	96.43	95.67	97.3
Tier 1 Capital Ratio %	20	17.1	17.2	16.6	16.2
Total Capital Ratio %	23.6	19.7	19.8	19	18.9
Core Tier 1 Capital Ratio	17.3	15.1	14.6	14.2	14
Tier 2 Capital Ratio	3.67	2.63	2.61	2.4	2.77
Coverage Ratio	59.29	59.33	52.12	47.53	46.15
Interbank Ratio	149.33	99.12	112.95	130.64	131.28
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	2.77	2.88	1.51	1.31	1.38
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-12.87	49.02	2.91	-7.68	7.76
Non Interest Income, 1 Yr. Growth %	39.18	-25.38	73.1	4.45	8.14
Provision For Loan Losses, 1 Yr. Growth %	-133.16	-210.45	-80.09	42.24	84.45
Total Revenues, 1 Yr. Growth %	53.19	0.41	26.72	-4.93	6
Earnings From Cont. Operations, 1 Yr. Growth %	324.3	-5.61	40.66	-18.87	6.25
Net Income, 1 Yr. Growth %	338.85	-5.62	42.67	-19.03	5.38
Normalized Net Income, 1 Yr. Growth %	405.65	17.23	46.6	-23.48	10.62
Diluted EPS Before Extra, 1 Yr. Growth %	525	-4	53.06	-17.33	11.29
Dividend Per Share, 1 Yr. Growth %	250.88	20	15	14.86	15.14
Gross Loans, 1 Yr. Growth %	1.54	2	0.27	1.48	4.4
Allowance For Loan Losses, 1 Yr. Growth %	-33.75	18.66	-17.82	-14.31	-5.64
Net Loans, 1 Yr. Growth %	2.07	1.86	0.33	1.57	4.48
Non Performing Loans, 1 Yr. Growth %	-0.72	18.58	-6.45	-6.03	-2.83
Non Performing Assets, 1 Yr. Growth %	-0.72	18.58	-6.45	-6.03	-2.83
Total Assets, 1 Yr. Growth %	1.75	-0.98	0.92	2.86	4.12
Total Deposits, 1 Yr Growth %	4.45	-0.29	-1.05	2.38	2.73
Tangible Book Value, 1 Yr. Growth %	8.61	-14.15	7.69	-3.45	4.07
Average Interest Earning Assets, 1 Yr. Growth %	2.21	1.66	0.29	-0.46	2.67
Average Interest Bearing Liabilities, 1 Yr. Growth %	-	-	-	-	3.71
Common Equity, 1 Yr. Growth %	7.59	-10.66	8.01	-3.07	4.27
Total Equity, 1 Yr. Growth %	7.57	-10.59	7.87	-3.12	4.31
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-4.08	13.95	10.6	-2.53	-0.26
Non Interest Income, 2 Yr. CAGR %	-12.24	1.91	5.4	34.46	7.77
Provision For Loan Losses, 2 Yr. CAGR %	3.12	-39.48	-53.11	-46.79	61.98
Total Revenues, 2 Yr. CAGR %	-0.13	24.03	3.69	9.76	0.82
Earnings From Cont. Operations, 2 Yr. CAGR %	39.92	100.13	-3.17	6.83	-7.15
Net Income, 2 Yr. CAGR %	40.62	103.52	-2.84	7.48	-7.63
Normalized Net Income, 2 Yr. CAGR %	30.12	121.54	11.14	3.68	-6.94
Diluted EPS Before Extra, 2 Yr. CAGR %	48.52	144.95	0	12.49	-4.08
Dividend Per Share, 2 Yr. CAGR %	33.63	105.2	17.47	14.93	15
Gross Loans, 2 Yr. CAGR %	0.74	1.93	1.32	0.87	2.93
Allowance For Loan Losses, 2 Yr. CAGR %	8.23	-11.33	-1.25	-16.09	-10.08
Net Loans, 2 Yr. CAGR %	0.72	1.96	1.09	0.95	3.02
Non Performing Loans, 2 Yr. CAGR %	3.5	8.5	5.32	-6.24	-4.44
Non Performing Assets, 2 Yr. CAGR %	3.5	8.5	5.32	-6.24	-4.44
Total Assets, 2 Yr. CAGR %	3.11	0.38	0.01	1.89	3.49
Total Deposits, 2 Yr CAGR %	7.11	2.06	-0.67	0.65	2.55
Tangible Book Value, 2 Yr. CAGR %	5.78	-3.44	-6.33	1.97	0.24
Average Interest Earning Assets, 2 Yr. CAGR %	-	-	-	-	0.98
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	-	-	-	2.31
Common Equity, 2 Yr. CAGR %	5.43	-1.96	-3.82	2.32	0.53
Total Equity, 2 Yr. CAGR %	5.44	-1.93	-3.83	2.23	0.53
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-11.24	11.09	7.35	4.13	0.79
Non Interest Income, 3 Yr. CAGR %	7.83	-16.86	5.71	5.08	25.53
Provision For Loan Losses, 3 Yr. CAGR %	13.72	5.5	-58.22	-32.12	-19.47
Total Revenues, 3 Yr. CAGR %	-0.81	0.05	18.09	0.73	8.63
Earnings From Cont. Operations, 3 Yr. CAGR %	9.31	22.72	58.45	-8.71	6.64
Net Income, 3 Yr. CAGR %	9.48	23.12	60.6	-8.57	6.78
Normalized Net Income, 3 Yr. CAGR %	8.52	18.01	74.81	-3.25	6.34
Diluted EPS Before Extra, 3 Yr. CAGR %	10.89	28.42	84.2	-6.15	12.09
Dividend Per Share, 3 Yr. CAGR %	-14.59	28.92	69.18	16.59	15
Gross Loans, 3 Yr. CAGR %	0.21	1.27	1.37	1.37	2.03
Allowance For Loan Losses, 3 Yr. CAGR %	6.62	11.6	-13.55	-5.81	-12.74
Net Loans, 3 Yr. CAGR %	0.23	1.1	1.42	1.25	2.11
Non Performing Loans, 3 Yr. CAGR %	3.92	8.3	3.27	1.39	-5.12
Non Performing Assets, 3 Yr. CAGR %	3.92	8.3	3.27	1.39	-5.12
Total Assets, 3 Yr. CAGR %	3.59	1.73	0.39	0.95	2.63
Total Deposits, 3 Yr CAGR %	4.39	4.58	1.01	0.34	1.34
Tangible Book Value, 3 Yr. CAGR %	1.58	-1.33	-2.98	-5.38	2.66
Average Interest Earning Assets, 3 Yr. CAGR %	-	-	-	-	-
Common Equity, 3 Yr. CAGR %	1.96	-0.23	-1.39	-3.57	2.97
Total Equity, 3 Yr. CAGR %	1.92	-0.2	-1.4	-3.6	2.92
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	0.2	5.05	-0.15	3.82	4.24
Non Interest Income, 5 Yr. CAGR %	-4.6	-8.72	1.25	-7.35	6.19
Provision For Loan Losses, 5 Yr. CAGR %	12.88	17.21	-20.21	-19.76	-28.16
Total Revenues, 5 Yr. CAGR %	0.63	-0.62	0.96	0.39	10.75
Earnings From Cont. Operations, 5 Yr. CAGR %	22.15	8.77	4.14	8.29	27.95
Net Income, 5 Yr. CAGR %	22.9	8.93	4.37	8.61	28.73
Normalized Net Income, 5 Yr. CAGR %	13.29	8.26	6.19	5.58	34.38
Diluted EPS Before Extra, 5 Yr. CAGR %	25.59	10.86	6.4	12.77	41.88
Dividend Per Share, 5 Yr. CAGR %	-4.74	-4.68	-2.98	23.13	44.97
Gross Loans, 5 Yr. CAGR %	-0.41	0.72	0.64	1.11	1.99
Allowance For Loan Losses, 5 Yr. CAGR %	9.63	7.05	3.4	-0.43	-12.18
Net Loans, 5 Yr. CAGR %	-0.44	0.62	0.57	1.04	2.05
Non Performing Loans, 5 Yr. CAGR %	-5.38	8.25	4.48	2.23	0.11
Non Performing Assets, 5 Yr. CAGR %	-5.91	8.25	4.48	2.23	0.11
Total Assets, 5 Yr. CAGR %	1.63	1.59	2.02	1.69	1.62
Total Deposits, 5 Yr CAGR %	2.77	2.71	2.34	2.99	1.62
Tangible Book Value, 5 Yr. CAGR %	0.92	-1.32	-2.5	-1.91	-1.71
Average Interest Earning Assets, 5 Yr. CAGR %	-5.83	-	-	-	-
Common Equity, 5 Yr. CAGR %	1.96	-0.18	-1.13	-0.81	-0.62
Total Equity, 5 Yr. CAGR %	1.86	-0.18	-1.16	-0.82	-0.63