Cash flow Lloyds Banking Group plc

Equities

LLOY

GB0008706128

Banks

Real-time Estimate Cboe Europe Other stock markets 12:40:49 17/07/2025 pm IST			5-day change	1st Jan Change
77.89 ^GBX	+1.95%		+1.11%	+39.47%

15/07	Risk On Recharged
15/07	Big UK financial reforms to bring risk-taking back into City	AN

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Published financial data: LLOYDS BANKING GROUP PLC

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	1.43TCr	1.33TCr	1.76TCr	2.81TCr	3.13TCr
Interest Income, Total	1.43TCr	1.33TCr	1.76TCr	2.81TCr	3.13TCr
Interest On Deposits	355.7Cr	389.2Cr	368.8Cr	1.48TCr	1.9TCr
Interest Expense, Total	355.7Cr	389.2Cr	368.8Cr	1.48TCr	1.9TCr
Net Interest Income	1.07TCr	936.6Cr	1.4TCr	1.33TCr	1.23TCr
Income From Trading Activities	742.9Cr	1.66TCr	-1.95TCr	1.81TCr	1.78TCr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	15Cr	-20L	9.2Cr	12Cr	70L
Income (Loss) on Equity Invest. (Income Block)	-1.3Cr	20L	1Cr	-1.6Cr	-
Total Other Non Interest Income	-297.9Cr	-1.02TCr	2.41TCr	-1.28TCr	-1.21TCr
Non Interest Income, Total	458.6Cr	638.3Cr	476.3Cr	541.8Cr	565.9Cr
Revenues Before Provison For Loan Losses	1.53TCr	1.57TCr	1.87TCr	1.87TCr	1.79TCr
Provision For Loan Losses	415.5Cr	-137.8Cr	152.2Cr	30Cr	43Cr
Total Revenues	1.12TCr	1.71TCr	1.72TCr	1.84TCr	1.75TCr
Salaries And Other Employee Benefits	-	352.5Cr	402.2Cr	400.6Cr	434.5Cr
Stock-Based Compensation (IS)	20Cr	27Cr	-	-	-
Amort. of Goodwill & Intang. Assets	-	96Cr	90Cr	-	-
Occupancy Expense	-	193.1Cr	166.6Cr	335.4Cr	388Cr
Selling General & Admin Expenses, Total	36Cr	172.1Cr	201Cr	-	-
Total Other Non Interest Expense	866.3Cr	100.1Cr	110.8Cr	297.6Cr	304.9Cr
Non Interest Expense, Total	922Cr	940.8Cr	970.9Cr	1.03TCr	1.13TCr
EBT, Excl. Unusual Items	196Cr	771.9Cr	748.9Cr	807.7Cr	623.1Cr
Restructuring Charges	-52Cr	-9.2Cr	-5Cr	-49Cr	-33Cr
Impairment of Goodwill	-40L	-	-	-	-
Asset Writedown	-21Cr	58Cr	-51Cr	-8.7Cr	6.7Cr
Legal Settlements	-	-130Cr	-	-	-
EBT, Incl. Unusual Items	122.6Cr	690.2Cr	692.8Cr	750.3Cr	597.1Cr
Income Tax Expense	-16Cr	101.7Cr	137.3Cr	198.5Cr	149.4Cr
Earnings From Continuing Operations	138.7Cr	588.5Cr	555.5Cr	551.8Cr	447.7Cr
Net Income to Company	138.7Cr	588.5Cr	555.5Cr	551.8Cr	447.7Cr
Minority Interest	-6.9Cr	-10Cr	-9.6Cr	-5.8Cr	-5.6Cr
Net Income - (IS)	131.8Cr	578.4Cr	545.9Cr	546Cr	442.1Cr
Preferred Dividend and Other Adjustments	45Cr	43Cr	44Cr	53Cr	50Cr
Net Income to Common Incl Extra Items	86Cr	535.5Cr	502.1Cr	493.3Cr	392.3Cr
Net Income to Common Excl. Extra Items	86Cr	535.5Cr	502.1Cr	493.3Cr	392.3Cr
Per Share Items
Net EPS - Basic	0.01	0.08	0.07	0.08	0.06
Basic EPS - Continuing Operations	0.01	0.08	0.07	0.08	0.06
Basic Weighted Average Shares Outstanding	7.06TCr	7.09TCr	6.88TCr	6.5TCr	6.24TCr
Net EPS - Diluted	0.01	0.08	0.07	0.08	0.06
Diluted EPS - Continuing Operations	0.01	0.08	0.07	0.08	0.06
Diluted Weighted Average Shares Outstanding	7.13TCr	7.18TCr	6.97TCr	6.58TCr	6.31TCr
Normalized Basic EPS	0.02	0.07	0.07	0.08	0.06
Normalized Diluted EPS	0.02	0.07	0.07	0.08	0.06
Dividend Per Share	0.01	0.02	0.02	0.03	0.03
Payout Ratio	34.37	22.58	35.04	39.89	52.61
American Depositary Receipts Ratio (ADR)	4	4	4	4	4
Supplemental Items
Effective Tax Rate - (Ratio)	-13.13	14.73	19.82	26.46	25.02
Current Domestic Taxes	12Cr	137.8Cr	112.1Cr	125Cr	107Cr
Current Foreign Taxes	20L	3Cr	8.3Cr	9.8Cr	12Cr
Total Current Taxes	13Cr	140.8Cr	120.4Cr	134.8Cr	118.9Cr
Total Deferred Taxes	-29Cr	-39Cr	17Cr	64Cr	30Cr
Normalized Net Income	115.6Cr	472.34Cr	458.46Cr	499.01Cr	383.84Cr
Non-Cash Pension Expense	3.8Cr	2.1Cr	-5.7Cr	-17Cr	-9.8Cr
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	20Cr	27Cr	-	-	-
Total Stock-Based Compensation	20Cr	27Cr	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	7.55TCr	7.64TCr	9.58TCr	7.62TCr	6.27TCr
Investment Securities, Total	23TCr	26TCr	23TCr	25TCr	29TCr
Trading Asset Securities, Total	6.59TCr	5.84TCr	5.21TCr	5.7TCr	4.03TCr
Mortgage Backed Securities	46Cr	42Cr	23Cr	-	-
Total investments	29TCr	32TCr	28TCr	31TCr	34TCr
Gross Loans	45TCr	45TCr	47TCr	47TCr	47TCr
Allowance For Loan Losses	-576.6Cr	-382Cr	-453.3Cr	-372.5Cr	-319.2Cr
Other Adjustments to Gross Loans	-54Cr	-25Cr	-176.1Cr	-228.6Cr	-246.5Cr
Net Loans	44TCr	45TCr	46TCr	46TCr	47TCr
Gross Property Plant And Equipment	1.43TCr	-	-	-	-
Accumulated Depreciation	-584.8Cr	-	-	-	-
Net Property Plant And Equipment	840.7Cr	796.5Cr	812.8Cr	966.8Cr	1.01TCr
Goodwill	232Cr	232Cr	265.5Cr	279.8Cr	274.8Cr
Other Intangibles, Total	414Cr	419.6Cr	478.6Cr	535.4Cr	530.3Cr
Investment in Real Estate	334.7Cr	361.2Cr	253.2Cr	286.2Cr	328.1Cr
Other Receivables	96Cr	51Cr	85Cr	118.3Cr	53Cr
Restricted Cash	455.3Cr	499.3Cr	211.1Cr	193Cr	2.1Cr
Other Current Assets, Total	-	102.2Cr	122.4Cr	145.5Cr	675.6Cr
Deferred Tax Assets Long-Term (Collected)	274.1Cr	311.8Cr	522.8Cr	518.5Cr	500.5Cr
Deferred Charges Long-Term	7.4Cr	6.4Cr	5.4Cr	3.9Cr	-
Other Long-Term Assets, Total	3.19TCr	1.28TCr	1.18TCr	649.7Cr	725.8Cr
Total Assets	87TCr	89TCr	88TCr	88TCr	91TCr
Liabilities
Interest Bearing Deposits	37TCr	37TCr	37TCr	37TCr	39TCr
Non-Interest Bearing Deposits	9.74TCr	11TCr	11TCr	10TCr	10TCr
Total Deposits	46TCr	48TCr	48TCr	48TCr	49TCr
Short-Term Borrowings	6.38TCr	5.78TCr	8.54TCr	6.99TCr	6.75TCr
Current Portion of Long-Term Debt	2.02TCr	1.7TCr	1.85TCr	1.77TCr	1.97TCr
Current Portion of Leases	23Cr	23Cr	23Cr	34Cr	33Cr
Long-Term Debt	7.99TCr	6.56TCr	5.85TCr	6.14TCr	5.77TCr
Long-Term Leases	143.8Cr	124.2Cr	108.4Cr	129.7Cr	93Cr
Current Income Taxes Payable	3.1Cr	60L	80L	3.9Cr	4.5Cr
Other Current Liabilities - (Bank / Utility Template)	5.43TCr	6.16TCr	5.56TCr	6.46TCr	7.42TCr
Unearned Revenue Non Current	33Cr	31Cr	25Cr	-	-
Pension & Other Post Retirement Benefits	24Cr	23Cr	13Cr	14Cr	12Cr
Deferred Tax Liability Non-Current	4.5Cr	3.9Cr	22Cr	16Cr	12Cr
Other Non Current Liabilities	14TCr	15TCr	13TCr	14TCr	15TCr
Total Liabilities	82TCr	83TCr	83TCr	83TCr	86TCr
Common Stock, Total	708.4Cr	710.2Cr	672.9Cr	635.8Cr	606.2Cr
Additional Paid In Capital	1.79TCr	1.85TCr	1.85TCr	1.86TCr	1.87TCr
Retained Earnings	458.4Cr	1.02TCr	1.01TCr	679Cr	591.2Cr
Comprehensive Income and Other	1.97TCr	1.71TCr	1.19TCr	1.54TCr	1.5TCr
Total Common Equity	4.92TCr	5.29TCr	4.73TCr	4.72TCr	4.57TCr
Minority Interest	23Cr	24Cr	24Cr	20Cr	17Cr
Total Equity	4.94TCr	5.32TCr	4.75TCr	4.74TCr	4.59TCr
Total Liabilities And Equity	87TCr	89TCr	88TCr	88TCr	91TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	7.12TCr	7.06TCr	6.63TCr	6.34TCr	6.04TCr
ECS Total Common Shares Outstanding	7.08TCr	7.06TCr	6.63TCr	6.34TCr	6.04TCr
Book Value / Share	0.61	0.67	0.63	0.63	0.65
Tangible Book Value	4.27TCr	4.64TCr	3.98TCr	3.9TCr	3.77TCr
Tangible Book Value Per Share	0.52	0.57	0.52	0.51	0.52
Tangible Book Value Per Share (As Reported)	0.52	0.58	0.52	0.51	0.52
Average Assets	-	-	-	-	-
Average Loans	-	-	-	-	-
Total Debt	17TCr	14TCr	16TCr	15TCr	15TCr
Deposits at Interest - Cash	676.3Cr	495.2Cr	655.2Cr	1.27TCr	813.2Cr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-157.8Cr	-440.4Cr	-373.2Cr	-353.2Cr	-294.5Cr
Net Debt	-3.93TCr	-5.4TCr	-3.62TCr	-2.89TCr	-3.53TCr
Equity Method Investments, Total	30Cr	35Cr	38Cr	40Cr	54Cr
Full Time Employees	61.58T	57.96T	59.35T	62.57T	61.23T
Assets on Operating Lease - Gross	626.5Cr	-	-	-	-
Assets on Operating Lease - Accumulated Depreciation	-230.5Cr	-	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	131.8Cr	578.4Cr	545.9Cr	546Cr	442.1Cr
Depreciation, Depletion & Amortization	204.6Cr	183.9Cr	147.1Cr	177.7Cr	210.4Cr
Amortization of Goodwill and Intangible Assets - (CF)	9.6Cr	9.4Cr	9.2Cr	10Cr	10Cr
Total Depreciation, Depletion & Amortization	214.2Cr	193.3Cr	156.3Cr	187.7Cr	220.5Cr
Amortization of Deferred Charges, Total	59Cr	89Cr	83Cr	102.8Cr	122.1Cr
(Gain) Loss On Sale of Asset - (CF)	-8.1Cr	-27Cr	-12Cr	-6.1Cr	-3.6Cr
(Gain) Loss on Sale of Investments - (CF)	-23Cr	-31Cr	38Cr	113.5Cr	18Cr
Total Asset Writedown	21Cr	-58Cr	51Cr	8.7Cr	-6.7Cr
Provision for Credit Losses	243.2Cr	-205.6Cr	61Cr	-80Cr	-54Cr
(Income) Loss On Equity Investments - (CF)	1.3Cr	-20L	-1Cr	1.6Cr	1.3Cr
Stock-Based Compensation (CF)	12Cr	18Cr	22Cr	-	-
Change in Trading Asset Securities	-1.43TCr	-943.3Cr	1.85TCr	-2.07TCr	-1.4TCr
Change in Other Net Operating Assets (Collected)	-1.07TCr	-1.97TCr	-172.1Cr	2.08TCr	-1.34TCr
Other Operating Activities	356.5Cr	658.5Cr	-2.01TCr	294.6Cr	421.9Cr
Cash from Operations	-1.49TCr	-1.69TCr	613.5Cr	1.18TCr	-1.57TCr
Capital Expenditure	-290.1Cr	-322.8Cr	-385.5Cr	-545.5Cr	-436.4Cr
Sale of Property, Plant, and Equipment	114.6Cr	143.7Cr	155Cr	102.7Cr	150.5Cr
Cash Acquisitions	-30L	-5.7Cr	-41Cr	-38Cr	-18Cr
Divestitures	-	-	-	-	6.2Cr
Purchase / Sale of Intangible Assets	-	-	-	-	-125.9Cr
Investment in Marketable and Equity Securities, Total	-224.2Cr	-70Cr	322.4Cr	-501.3Cr	-345.6Cr
Cash from Investing	-400Cr	-254.5Cr	51Cr	-982.1Cr	-769.1Cr
Long-Term Debt Issued, Total	-	50Cr	84Cr	141.7Cr	81Cr
Total Debt Issued	-	50Cr	84Cr	141.7Cr	81Cr
Long-Term Debt Repaid, Total	-387.4Cr	-105.6Cr	-221.6Cr	-174.5Cr	-82Cr
Total Debt Repaid	-387.4Cr	-105.6Cr	-221.6Cr	-174.5Cr	-82Cr
Issuance of Common Stock	14Cr	2.5Cr	78Cr	185.8Cr	94Cr
Repurchase of Common Stock	-	-	-340.8Cr	-212.8Cr	-383.5Cr
Common Dividends Paid	-45Cr	-130.6Cr	-191.3Cr	-217.8Cr	-232.6Cr
Common & Preferred Stock Dividends Paid	-45Cr	-130.6Cr	-191.3Cr	-217.8Cr	-232.6Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	4.21TCr	2.36TCr	1.59TCr	-496Cr	1.13TCr
Special Dividend Paid	-	-	-	-	-
Other Financing Activities, Total	-113.6Cr	-139.6Cr	-69Cr	-72Cr	-71Cr
Cash from Financing	3.68TCr	2.03TCr	926.3Cr	-846Cr	539.7Cr
Foreign Exchange Rate Adjustments	-20Cr	7Cr	73Cr	-48Cr	-70L
Net Change in Cash	1.77TCr	91Cr	1.66TCr	-699.1Cr	-1.8TCr
Supplemental Items
Cash Interest Paid	109.5Cr	130.3Cr	60Cr	62Cr	62Cr
Cash Income Tax Paid (Refund)	74Cr	80Cr	74Cr	143.7Cr	34Cr
Net Debt Issued / Repaid	-387.4Cr	-56Cr	-137.8Cr	-33Cr	-70L

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.16	0.67	0.63	0.63	0.5
Return On Equity %	2.85	11.48	11.04	12.09	9.6
Return on Common Equity	1.79	10.49	10.02	10.86	8.45
Shareholders Value Added	-406.76Cr	-19Cr	-43Cr	41Cr	-85Cr
Margin Analysis
SG&A Margin	1.67	40.92	43.96	39.97	46.99
Net Interest Income / Total Revenues %	96.14	54.69	81.15	72.22	70.13
EBT Excl. Non-Recurring Items Margin %	17.53	45.07	43.55	43.87	35.6
Income From Continuing Operations Margin %	12.41	34.36	32.3	29.97	25.58
Net Income Margin %	11.79	33.77	31.74	29.65	25.26
Net Avail. For Common Margin %	7.74	31.27	29.2	26.79	22.41
Normalized Net Income Margin	10.34	27.58	26.66	27.1	21.93
Asset quality
Nonperforming Loans / Total Loans %	1.44	1.42	1.64	1.53	1.42
Nonperforming Loans / Total Assets %	0.74	0.73	0.87	0.81	0.74
Nonperforming Assets / Total Assets %	0.74	0.73	0.87	0.81	0.74
NPAs / Loans and OREO	1.44	1.42	1.64	1.53	1.42
NPAs / Equity	13.13	12.12	16.08	15.09	14.64
Allowance for Credit Losses / Net Charge-offs %	419.04	408.56	597.23	334.08	310.2
Allowance for Credit Losses / Nonperforming Loans %	88.84	59.29	59.33	52.12	47.53
Allowance for Credit Losses / Total Loans %	1.28	0.84	0.97	0.8	0.67
Net Charge-offs / Total Average Loans %	-	-	-	-	-
Provision for Loan Losses / Net Charge-offs %	301.96	-147.38	200.53	27.17	41.89
Earning Assets / IBL	-	-	-	-	-
Interest Income / Average Assets	-	-	-	-	-
Interest Expense / Average Assets	-	-	-	-	-
Net Interest Income / Average Assets	-	-	-	-	-
Non Interest Income / Average Assets	-	-	-	-	-
Non Interest Expense / Average Asset	-	-	-	-	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.68	5.81	5.68	5.18	5.19
Total Average Equity / Total Average Assets %	5.7	5.83	5.71	5.2	5.22
Total Equity + Allowance for Loan Losses / Total Loans %	12.2	12.48	11.14	10.91	10.33
Gross Loans / Total Deposits %	97.22	93.94	96.41	97.69	96.83
Net Loans / Total Deposits %	95.85	93.1	95.11	96.43	95.67
Tier 1 Capital Ratio %	19.1	20	17.1	17.2	16.6
Total Capital Ratio %	23.3	23.6	19.7	19.8	19
Core Tier 1 Capital Ratio	16.2	17.3	15.1	14.6	14.2
Tier 2 Capital Ratio	4.19	3.67	2.63	2.61	2.4
Coverage Ratio	88.84	59.29	59.33	52.12	47.53
Interbank Ratio	34.76	149.33	99.12	112.95	130.64
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.34	2.77	2.88	1.51	1.31
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	5.59	-12.87	49.02	2.91	-7.68
Non Interest Income, 1 Yr. Growth %	-44.66	39.18	-25.38	73.1	4.45
Provision For Loan Losses, 1 Yr. Growth %	220.6	-133.16	-210.45	-80.09	42.24
Total Revenues, 1 Yr. Growth %	-34.89	53.19	0.41	26.72	-4.93
Earnings From Cont. Operations, 1 Yr. Growth %	-53.86	324.3	-5.61	40.66	-18.87
Net Income, 1 Yr. Growth %	-54.94	338.85	-5.62	42.67	-19.03
Normalized Net Income, 1 Yr. Growth %	-61.8	405.65	17.23	46.6	-23.08
Diluted EPS Before Extra, 1 Yr. Growth %	-64.71	525	-4	53.06	-17.33
Dividend Per Share, 1 Yr. Growth %	-49.11	250.88	20	15	14.86
Gross Loans, 1 Yr. Growth %	0.55	1.54	2	0.27	1.48
Allowance For Loan Losses, 1 Yr. Growth %	76.82	-33.75	18.66	-17.82	-14.31
Net Loans, 1 Yr. Growth %	-0	2.07	1.86	0.33	1.57
Non Performing Loans, 1 Yr. Growth %	7.9	-0.72	18.58	-6.45	-6.03
Non Performing Assets, 1 Yr. Growth %	7.9	-0.72	18.58	-6.45	-6.03
Total Assets, 1 Yr. Growth %	4.48	1.75	-0.98	0.92	2.86
Total Deposits, 1 Yr Growth %	9.84	4.45	-0.29	-1.05	2.38
Tangible Book Value, 1 Yr. Growth %	3.02	8.61	-14.15	7.69	-3.45
Average Interest Earning Assets, 1 Yr. Growth %	0.07	2.21	1.66	0.29	-0.46
Average Interest Bearing Liabilities, 1 Yr. Growth %	-	-	-	-	-
Common Equity, 1 Yr. Growth %	3.32	7.59	-10.66	8.01	-3.07
Total Equity, 1 Yr. Growth %	3.36	7.57	-10.59	7.87	-3.12
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-10.42	-4.08	13.95	10.6	-2.53
Non Interest Income, 2 Yr. CAGR %	-5.09	-12.24	1.91	5.4	34.46
Provision For Loan Losses, 2 Yr. CAGR %	110.58	3.12	-39.48	-53.11	-46.79
Total Revenues, 2 Yr. CAGR %	-20.19	-0.13	24.03	3.69	9.76
Earnings From Cont. Operations, 2 Yr. CAGR %	-44.52	39.92	100.13	-3.17	6.83
Net Income, 2 Yr. CAGR %	-45.32	40.62	103.52	-2.84	7.48
Normalized Net Income, 2 Yr. CAGR %	-44.07	30.12	121.54	11.14	6.19
Diluted EPS Before Extra, 2 Yr. CAGR %	-53.29	48.52	144.95	0	12.49
Dividend Per Share, 2 Yr. CAGR %	-57.86	33.63	105.2	17.47	14.93
Gross Loans, 2 Yr. CAGR %	-0.14	0.74	1.93	1.32	0.87
Allowance For Loan Losses, 2 Yr. CAGR %	35.25	8.23	-11.33	-1.25	-16.09
Net Loans, 2 Yr. CAGR %	-0.38	0.72	1.96	1.09	0.95
Non Performing Loans, 2 Yr. CAGR %	6.32	3.5	8.5	5.32	-6.24
Non Performing Assets, 2 Yr. CAGR %	6.32	3.5	8.5	5.32	-6.24
Total Assets, 2 Yr. CAGR %	4.52	3.11	0.38	0.01	1.89
Total Deposits, 2 Yr CAGR %	4.36	7.11	2.06	-0.67	0.65
Tangible Book Value, 2 Yr. CAGR %	-1.76	5.78	-3.44	-6.33	1.97
Average Interest Earning Assets, 2 Yr. CAGR %	-	-	-	-	-
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	-	-	-	-
Common Equity, 2 Yr. CAGR %	-0.74	5.43	-1.96	-3.82	2.32
Total Equity, 2 Yr. CAGR %	-0.79	5.44	-1.93	-3.83	2.23
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-0.5	-11.24	11.09	7.35	4.13
Non Interest Income, 3 Yr. CAGR %	-15.19	7.83	-16.86	5.71	5.08
Provision For Loan Losses, 3 Yr. CAGR %	82.11	13.72	5.5	-58.22	-32.12
Total Revenues, 3 Yr. CAGR %	-14.27	-0.81	0.05	18.09	0.73
Earnings From Cont. Operations, 3 Yr. CAGR %	-27.56	9.31	22.72	58.45	-8.71
Net Income, 3 Yr. CAGR %	-28.19	9.48	23.12	60.6	-8.57
Normalized Net Income, 3 Yr. CAGR %	-27.89	8.52	18.01	74.81	-1.69
Diluted EPS Before Extra, 3 Yr. CAGR %	-34.65	10.89	28.42	84.2	-6.15
Dividend Per Share, 3 Yr. CAGR %	-42.83	-14.59	28.92	69.18	16.59
Gross Loans, 3 Yr. CAGR %	0.11	0.21	1.27	1.37	1.37
Allowance For Loan Losses, 3 Yr. CAGR %	21.38	6.62	11.6	-13.55	-5.81
Net Loans, 3 Yr. CAGR %	-0.06	0.23	1.1	1.42	1.25
Non Performing Loans, 3 Yr. CAGR %	8.08	3.92	8.3	3.27	1.39
Non Performing Assets, 3 Yr. CAGR %	8.08	3.92	8.3	3.27	1.39
Total Assets, 3 Yr. CAGR %	2.41	3.59	1.73	0.39	0.95
Total Deposits, 3 Yr CAGR %	3.16	4.39	4.58	1.01	0.34
Tangible Book Value, 3 Yr. CAGR %	0.12	1.58	-1.33	-2.98	-5.38
Average Interest Earning Assets, 3 Yr. CAGR %	-	-	-	-	-
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	-	-	-	-
Common Equity, 3 Yr. CAGR %	1.02	1.96	-0.23	-1.39	-3.57
Total Equity, 3 Yr. CAGR %	1.01	1.92	-0.2	-1.4	-3.6
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-1.03	0.2	5.05	-0.15	3.82
Non Interest Income, 5 Yr. CAGR %	-4.21	-4.6	-8.72	1.25	-7.35
Provision For Loan Losses, 5 Yr. CAGR %	60.51	12.88	17.21	-20.21	-19.76
Total Revenues, 5 Yr. CAGR %	-7.62	0.63	-0.62	0.96	0.39
Earnings From Cont. Operations, 5 Yr. CAGR %	7.73	22.15	8.77	4.14	8.29
Net Income, 5 Yr. CAGR %	8.91	22.9	8.93	4.37	8.61
Normalized Net Income, 5 Yr. CAGR %	9.44	13.29	8.26	6.19	6.59
Diluted EPS Before Extra, 5 Yr. CAGR %	9.39	25.59	10.86	6.4	12.77
Dividend Per Share, 5 Yr. CAGR %	-24.01	-4.74	-4.68	-2.98	23.13
Gross Loans, 5 Yr. CAGR %	-0.85	-0.41	0.72	0.64	1.11
Allowance For Loan Losses, 5 Yr. CAGR %	13.71	9.63	7.05	3.4	-0.43
Net Loans, 5 Yr. CAGR %	-0.95	-0.44	0.62	0.57	1.04
Non Performing Loans, 5 Yr. CAGR %	-7.51	-5.38	8.25	4.48	2.23
Non Performing Assets, 5 Yr. CAGR %	-7.9	-5.91	8.25	4.48	2.23
Total Assets, 5 Yr. CAGR %	1.55	1.63	1.59	2.02	1.69
Total Deposits, 5 Yr CAGR %	1.59	2.77	2.71	2.34	2.99
Tangible Book Value, 5 Yr. CAGR %	-0.01	0.92	-1.32	-2.5	-1.91
Average Interest Earning Assets, 5 Yr. CAGR %	-6.69	-5.83	-	-	-
Average Interest Bearing Liabilities, 5 Yr. CAGR %	-	-	-	-	-
Common Equity, 5 Yr. CAGR %	1.09	1.96	-0.18	-1.13	-0.81
Total Equity, 5 Yr. CAGR %	1.01	1.86	-0.18	-1.16	-0.82