Balance Sheet Mitsubishi UFJ Financial Group, Inc.

Stocks

8306

JP3902900004

Banks

Market Closed - Japan Exchange Other stock markets 12:00:00 21/07/2026 pm IST			5-day change	1st Jan Change
3,580.00 ^JPY	+3.08%		-0.56%	+43.60%

02:00pm	Danantara Investment hires banks for a possible US dollar bond sale, sheet shows	RE
20/07	Mitsubishi UFJ Financial Group, Inc. Appoints Valeria "Val" Strappa as Head of Global Transaction Banking for the Americas	CI

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Published financial data: MITSUBISHI UFJ FINANCIAL GROUP, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2022	2023	2024	2025	2026
Interest Income On Loans	1,75900Cr	3,15300Cr	4,87400Cr	5,52300Cr	5,27200Cr
Interest Income On Investments	77TCr	1,45800Cr	2,23300Cr	2,74200Cr	3,34200Cr
Interest Income, Total	2,53100Cr	4,61100Cr	7,10700Cr	8,26600Cr	8,61400Cr
Interest On Deposits	22TCr	1,17000Cr	2,51500Cr	2,83900Cr	2,61600Cr
Total Interest On Borrowings	34TCr	1,05200Cr	1,99800Cr	2,33900Cr	2,31300Cr
Interest Expense, Total	56TCr	2,22200Cr	4,51300Cr	5,17700Cr	4,93000Cr
Net Interest Income	1,97100Cr	2,38900Cr	2,59400Cr	3,08800Cr	3,68400Cr
Income From Trading Activities	-82TCr	-79TCr	-70TCr	3.23TCr	-65TCr
Gain (Loss) on Sale of Loans	1.66TCr	-3.4TCr	-4.51TCr	4.17TCr	476.6Cr
Gain (Loss) on Sale of Assets	-13TCr	69TCr	-	885Cr	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-12TCr	-25TCr	1,38000Cr	-83TCr	70TCr
Income (Loss) on Equity Invest. (Income Block)	44TCr	40TCr	46TCr	67TCr	87TCr
Total Other Non Interest Income	1,88500Cr	1,82000Cr	1,76800Cr	2,64500Cr	2,32400Cr
Non Interest Income, Total	1,26100Cr	1,83000Cr	2,86800Cr	2,57100Cr	3,25300Cr
Revenues Before Provison For Loan Losses	3,23100Cr	4,21900Cr	5,46200Cr	5,65900Cr	6,93800Cr
Provision For Loan Losses	28TCr	814.8Cr	24TCr	12TCr	23TCr
Total Revenues	2,95300Cr	4,21100Cr	5,22400Cr	5,53700Cr	6,71200Cr
Salaries And Other Employee Benefits	1,27700Cr	1,34400Cr	1,39800Cr	1,47400Cr	1,59400Cr
Amort. of Goodwill & Intang. Assets	26TCr	27TCr	29TCr	30TCr	34TCr
Occupancy Expense	25TCr	24TCr	24TCr	25TCr	25TCr
Federal Deposit Insurance	9.56TCr	7.43TCr	9.1TCr	9.89TCr	10TCr
Selling General & Admin Expenses, Total	38TCr	41TCr	38TCr	39TCr	46TCr
Total Other Non Interest Expense	71TCr	1,15600Cr	90TCr	1,03300Cr	1,32900Cr
Non Interest Expense, Total	2,97200Cr	3,49400Cr	3,29700Cr	3,53800Cr	4,07500Cr
EBT, Excl. Unusual Items	-1.88TCr	72TCr	1,92700Cr	1,99800Cr	2,63600Cr
Restructuring Charges	-	-	-	-	-
Total Merger & Related Restructuring Charges	-	-	-259.9Cr	-385.6Cr	-
Impairment of Goodwill	-	-3.36TCr	-	-15TCr	-9.75TCr
Asset Writedown	-3.99TCr	-2.64TCr	-4.16TCr	-4.89TCr	-2.91TCr
EBT, Incl. Unusual Items	-5.87TCr	66TCr	1,88300Cr	1,79600Cr	2,50900Cr
Income Tax Expense	-1.45TCr	2.64TCr	50TCr	53TCr	63TCr
Earnings From Continuing Operations	-4.42TCr	63TCr	1,38100Cr	1,26800Cr	1,88400Cr
Net Income to Company	-4.42TCr	63TCr	1,38100Cr	1,26800Cr	1,88400Cr
Minority Interest	-3.91TCr	-3.04TCr	-5.29TCr	-70Cr	-15TCr
Net Income - (IS)	-8.33TCr	60TCr	1,32800Cr	1,26700Cr	1,72900Cr
Net Income to Common Incl Extra Items	-8.33TCr	60TCr	1,32800Cr	1,26700Cr	1,72900Cr
Net Income to Common Excl. Extra Items	-8.33TCr	60TCr	1,32800Cr	1,26700Cr	1,72900Cr
Per Share Items
Net EPS - Basic	-6.51	48.7	110.87	108.71	151.74
Basic EPS - Continuing Operations	-6.51	48.7	110.87	108.71	151.74
Basic Weighted Average Shares Outstanding	1.28TCr	1.23TCr	1.2TCr	1.17TCr	1.14TCr
Net EPS - Diluted	-6.93	48.39	110.58	108.18	151.09
Diluted EPS - Continuing Operations	-6.93	48.39	110.58	108.18	151.09
Diluted Weighted Average Shares Outstanding	1.28TCr	1.23TCr	1.2TCr	1.17TCr	1.14TCr
Normalized Basic EPS	-3.97	33.89	96.11	107.11	131
Normalized Diluted EPS	-3.97	33.89	96.1	107.11	130.98
Dividend Per Share	28	32	41	64	86
Payout Ratio	-400.68	63.26	33.03	41.98	48.96
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	24.71	4.02	26.64	29.4	24.93
Current Domestic Taxes	24TCr	25TCr	11TCr	12TCr	50TCr
Current Foreign Taxes	11TCr	20TCr	30TCr	24TCr	32TCr
Total Current Taxes	36TCr	45TCr	41TCr	36TCr	82TCr
Deferred Domestic Taxes	-31TCr	-35TCr	8.83TCr	10TCr	-15TCr
Deferred Foreign Taxes	-6.25TCr	-7.88TCr	478.4Cr	6.42TCr	-4.07TCr
Total Deferred Taxes	-37TCr	-43TCr	9.31TCr	17TCr	-20TCr
Normalized Net Income	-5.09TCr	42TCr	1,15100Cr	1,24800Cr	1,49300Cr
Non-Cash Pension Expense	-8.45TCr	-980Cr	-7.52TCr	-11TCr	-12TCr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	-	-	-	-	-
Total Stock-Based Compensation	-	-	-	-	-

Fiscal Period: March	2022	2023	2024	2025	2026
Assets
Cash And Equivalents	1,06,82900Cr	1,11,12200Cr	1,07,02700Cr	1,06,33500Cr	87,24100Cr
Investment Securities, Total	74,74600Cr	79,33500Cr	83,79900Cr	81,55200Cr	76,15300Cr
Trading Asset Securities, Total	33,81100Cr	34,76100Cr	42,37600Cr	50,14100Cr	74,44400Cr
Mortgage Backed Securities	1,13500Cr	5,02400Cr	6,18200Cr	5,81300Cr	5,50500Cr
Total investments	1,09,69300Cr	1,19,11900Cr	1,32,35700Cr	1,37,50500Cr	1,56,10300Cr
Gross Loans	1,14,27300Cr	1,21,19200Cr	1,29,19600Cr	1,32,67000Cr	1,46,24200Cr
Allowance For Loan Losses	-1,47100Cr	-1,27300Cr	-1,36600Cr	-1,24300Cr	-1,23400Cr
Other Adjustments to Gross Loans	-32TCr	-40TCr	-49TCr	-44TCr	-51TCr
Net Loans	1,12,48000Cr	1,19,51800Cr	1,27,34200Cr	1,30,98400Cr	1,44,50100Cr
Gross Property Plant And Equipment	2,18600Cr	2,22200Cr	2,27600Cr	2,32900Cr	2,59300Cr
Accumulated Depreciation	-1,10800Cr	-1,13400Cr	-1,16900Cr	-1,16200Cr	-1,22500Cr
Net Property Plant And Equipment	1,07800Cr	1,08800Cr	1,10700Cr	1,16700Cr	1,36800Cr
Goodwill	30TCr	30TCr	49TCr	56TCr	57TCr
Other Intangibles, Total	1,14900Cr	1,17400Cr	1,29900Cr	1,40300Cr	1,47500Cr
Loans Held For Sale	51TCr	97TCr	97TCr	89TCr	1,25400Cr
Accrued Interest Receivable	25TCr	50TCr	74TCr	76TCr	86TCr
Other Receivables	1,83200Cr	2,54900Cr	2,93600Cr	2,32000Cr	2,83200Cr
Restricted Cash	6,81800Cr	6,43700Cr	7,09700Cr	5,54000Cr	7,40000Cr
Other Current Assets, Total	22,20600Cr	13,12100Cr	9,78700Cr	12,01100Cr	12,56500Cr
Deferred Tax Assets Long-Term (Collected)	7.92TCr	18TCr	14TCr	12TCr	13TCr
Other Long-Term Assets, Total	4,42300Cr	5,66000Cr	6,15100Cr	6,34500Cr	9,28100Cr
Total Assets	3,67,65000Cr	3,81,73600Cr	3,97,43600Cr	4,05,94000Cr	4,25,58200Cr
Liabilities
Accounts Payable, Total	1,31100Cr	1,92100Cr	1,83800Cr	1,69000Cr	2,16200Cr
Accrued Expenses, Total	5,07700Cr	5,99700Cr	5,67700Cr	5,24700Cr	5,75100Cr
Interest Bearing Deposits	1,88,09400Cr	1,97,47300Cr	2,07,63000Cr	2,12,59500Cr	2,24,89500Cr
Institutional Deposits	-	-	-	-	-
Non-Interest Bearing Deposits	36,49600Cr	37,80400Cr	38,78700Cr	36,82000Cr	35,86000Cr
Total Deposits	2,24,59000Cr	2,35,27700Cr	2,46,41700Cr	2,49,41500Cr	2,60,75500Cr
Short-Term Borrowings	64,97400Cr	72,96000Cr	74,09800Cr	98,90900Cr	1,01,15600Cr
Current Portion of Long-Term Debt	-	-	20,10000Cr	3,98100Cr	3,00200Cr
Current Portion of Leases	9.53TCr	9.3TCr	8.96TCr	9TCr	10TCr
Long-Term Debt	34,68000Cr	39,05200Cr	19,79600Cr	17,02000Cr	18,85700Cr
Long-Term Leases	31TCr	26TCr	27TCr	27TCr	30TCr
Accrued Interest Payable	9.82TCr	39TCr	56TCr	56TCr	58TCr
Other Current Liabilities - (Bank / Utility Template)	19,43200Cr	8,82300Cr	9,15900Cr	8,39400Cr	10,94500Cr
Pension & Other Post Retirement Benefits	8.91TCr	8.91TCr	11TCr	10TCr	11TCr
Deferred Tax Liability Non-Current	53TCr	21TCr	61TCr	75TCr	77TCr
Other Non Current Liabilities	17TCr	20TCr	24TCr	25TCr	25TCr
Total Liabilities	3,51,35300Cr	3,65,27000Cr	3,78,95900Cr	3,86,69000Cr	4,04,74200Cr
Common Stock, Total	2,09000Cr	2,09000Cr	2,09000Cr	2,09000Cr	2,09000Cr
Additional Paid In Capital	5,32800Cr	4,90200Cr	4,63600Cr	4,30000Cr	4,01400Cr
Retained Earnings	8,41200Cr	8,40900Cr	9,31200Cr	10,06100Cr	10,94300Cr
Treasury Stock	-45TCr	-48TCr	-61TCr	-73TCr	-94TCr
Comprehensive Income and Other	23TCr	84TCr	2,22100Cr	2,56100Cr	3,46000Cr
Total Common Equity	15,60500Cr	15,76300Cr	17,64600Cr	18,28500Cr	19,57300Cr
Minority Interest	69TCr	70TCr	83TCr	96TCr	1,26700Cr
Total Equity	16,29700Cr	16,46600Cr	18,47700Cr	19,25000Cr	20,84000Cr
Total Liabilities And Equity	3,67,65000Cr	3,81,73600Cr	3,97,43600Cr	4,05,94000Cr	4,25,58200Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.26TCr	1.2TCr	1.17TCr	1.15TCr	1.13TCr
ECS Total Common Shares Outstanding	-	1.2TCr	1.17TCr	1.15TCr	1.13TCr
Book Value / Share	1.24T	1.31T	1.5T	1.59T	1.73T
Tangible Book Value	14,15300Cr	14,29200Cr	15,85600Cr	16,32500Cr	17,53200Cr
Tangible Book Value Per Share	1.12T	1.19T	1.35T	1.42T	1.55T
Average Assets	3,70,58800Cr	3,96,15200Cr	4,02,89500Cr	4,15,94100Cr	4,35,34600Cr
Average Loans	1,14,93900Cr	1,26,76500Cr	1,26,39100Cr	1,32,29500Cr	1,36,65900Cr
Total Debt	1,00,05400Cr	1,12,37000Cr	1,14,34900Cr	1,20,27300Cr	1,23,41000Cr
Deposits at Interest - Cash	-	-	1,05,63200Cr	1,04,70700Cr	86,00300Cr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-1,28500Cr	-1,24800Cr	-1,88400Cr	-2,09400Cr	-2,53200Cr
Net Debt	-57,58500Cr	-52,12800Cr	-58,55100Cr	-60,68500Cr	-60,65300Cr
Equity Method Investments, Total	3,06700Cr	3,48200Cr	4,11300Cr	4,56400Cr	5,46200Cr
Full Time Employees	1L	1L	1L	2L	2L
Part Time Employees	28.4T	27.9T	27.5T	27.6T	28.2T

Fiscal Period: March	2022	2023	2024	2025	2026
Net Income	-8.33TCr	60TCr	1,32800Cr	1,26700Cr	1,72900Cr
Depreciation, Depletion & Amortization	8.27TCr	7.38TCr	7.96TCr	8.83TCr	8.78TCr
Amortization of Goodwill and Intangible Assets - (CF)	26TCr	27TCr	29TCr	30TCr	34TCr
Total Depreciation, Depletion & Amortization	34TCr	35TCr	37TCr	38TCr	42TCr
(Gain) Loss On Sale of Asset - (CF)	13TCr	-69TCr	-	-	-
(Gain) Loss on Sale of Investments - (CF)	14TCr	27TCr	-1,40700Cr	72TCr	-81TCr
Total Asset Writedown	3.33TCr	3.87TCr	1.5TCr	16TCr	11TCr
Provision for Credit Losses	28TCr	29TCr	24TCr	12TCr	23TCr
(Income) Loss On Equity Investments - (CF)	-44TCr	-40TCr	-46TCr	-67TCr	-87TCr
Change in Trading Asset Securities	4,14400Cr	-18TCr	-3,04600Cr	-5,75200Cr	-20,14000Cr
Changes in Accrued Interest Receivable	-	-	-	-	-
Changes in Accrued Interest Payable	-	-	-	-	-
Change in Unearned Revenues	-	-	-	-	-
Change In Income Taxes	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-3,05800Cr	1,81800Cr	1,78900Cr	5,71200Cr	16,34500Cr
Other Operating Activities	-58TCr	1.65TCr	-31TCr	-92TCr	-38TCr
Cash from Operations	91TCr	2,10600Cr	-1,49000Cr	1,02900Cr	-3,36600Cr
Capital Expenditure	-10TCr	-12TCr	-11TCr	-13TCr	-30TCr
Sale of Property, Plant, and Equipment	7.61TCr	3.22TCr	5.77TCr	4.7TCr	6.07TCr
Cash Acquisitions	-	-	-18TCr	-15TCr	-1.61TCr
Divestitures	-68TCr	-1,71000Cr	16TCr	13TCr	30TCr
Purchase / Sale of Intangible Assets	-26TCr	-27TCr	-32TCr	-31TCr	-34TCr
Investment in Marketable and Equity Securities, Total	5.72TCr	-7,31700Cr	4,41600Cr	34TCr	4,54600Cr
Net (Increase) Decrease in Loans Originated / Sold - Investing	1,17000Cr	-2,79500Cr	-5,35600Cr	-3,27200Cr	-5,74600Cr
Other Investing Activities, Total	-1.66TCr	-3.49TCr	6.02TCr	660.8Cr	-18TCr
Cash from Investing	24TCr	-12,21400Cr	-1,26900Cr	-3,33700Cr	-1,68600Cr
Short Term Debt Issued, Total	5,53300Cr	11,65600Cr	80TCr	19,17600Cr	-
Long-Term Debt Issued, Total	4,65900Cr	7,53000Cr	3,18800Cr	3,83000Cr	4,58200Cr
Total Debt Issued	10,19200Cr	19,18600Cr	3,99300Cr	23,00500Cr	4,58200Cr
Short Term Debt Repaid, Total	-	-8,45600Cr	-6,04000Cr	-	-18,97800Cr
Long-Term Debt Repaid, Total	-5,46600Cr	-4,16900Cr	-3,96300Cr	-22,91100Cr	-4,84200Cr
Total Debt Repaid	-5,46600Cr	-12,62500Cr	-10,00200Cr	-22,91100Cr	-23,82000Cr
Issuance of Common Stock	268.8Cr	121.2Cr	332.7Cr	1.1TCr	306.7Cr
Repurchase of Common Stock	-16TCr	-45TCr	-40TCr	-42TCr	-50TCr
Common Dividends Paid	-33TCr	-38TCr	-44TCr	-53TCr	-85TCr
Common & Preferred Stock Dividends Paid	-33TCr	-38TCr	-44TCr	-53TCr	-85TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	1,56000Cr	6,20700Cr	3,65900Cr	2,22700Cr	5,53000Cr
Other Financing Activities, Total	-41TCr	3.63TCr	-6.5TCr	2.28TCr	9.61TCr
Cash from Financing	5,38500Cr	11,97600Cr	-3,25000Cr	1,40600Cr	-14,95600Cr
Foreign Exchange Rate Adjustments	1,25200Cr	1,06400Cr	1,99400Cr	8.14TCr	1,08300Cr
Net Change in Cash	7,78300Cr	2,93300Cr	-4,01500Cr	-82TCr	-18,92600Cr
Supplemental Items
Cash Interest Paid	60TCr	1,94200Cr	4,36400Cr	5,19000Cr	4,92700Cr
Cash Income Tax Paid (Refund)	22TCr	45TCr	52TCr	33TCr	43TCr
Net Debt Issued / Repaid	4,72600Cr	6,56200Cr	-6,00900Cr	9.48TCr	-19,23800Cr

Fiscal Period: March	2022	2023	2024	2025	2026
Profitability
Return on Assets	-0.01	0.17	0.35	0.32	0.45
Return On Equity %	-0.27	3.85	7.9	6.71	9.4
Return on Common Equity	-0.53	3.82	7.95	7.05	9.14
Shareholders Value Added	-1,69800Cr	-1,00800Cr	-39TCr	-59TCr	-21TCr
Margin Analysis
SG&A Margin	64.36	47.24	38.54	38.14	34.4
Net Interest Income / Total Revenues %	66.73	56.74	49.66	55.77	54.89
EBT Excl. Non-Recurring Items Margin %	-0.64	17.02	36.89	36.09	39.28
Income From Continuing Operations Margin %	-1.5	14.97	26.44	22.89	28.07
Net Income Margin %	-2.82	14.25	25.43	22.88	25.77
Net Avail. For Common Margin %	-2.82	14.25	25.43	22.88	25.77
Normalized Net Income Margin	-1.72	9.91	22.04	22.55	22.25
Asset quality
Nonperforming Loans / Total Loans %	1.28	1.06	1.04	0.75	0.65
Nonperforming Loans / Total Assets %	0.4	0.34	0.34	0.25	0.22
Nonperforming Assets / Total Assets %	0.4	0.34	0.34	0.25	0.22
NPAs / Loans and OREO	1.28	1.06	1.04	0.75	0.65
NPAs / Equity	8.98	7.83	7.28	5.18	4.53
Allowance for Credit Losses / Net Charge-offs %	820.26	490.32	628.71	466.87	416.28
Allowance for Credit Losses / Nonperforming Loans %	100.54	98.76	101.55	124.69	130.67
Allowance for Credit Losses / Total Loans %	1.29	1.05	1.06	0.94	0.84
Net Charge-offs / Total Average Loans %	0.16	0.2	0.17	0.2	0.22
Provision for Loan Losses / Net Charge-offs %	155.05	3.14	109.52	45.74	76.26
Earning Assets / IBL	98.72	98.69	97.68	113.8	112.46
Interest Income / Average Assets	0.68	1.16	1.76	1.99	1.98
Interest Expense / Average Assets	0.15	0.56	1.12	1.24	1.13
Net Interest Income / Average Assets	0.53	0.6	0.64	0.74	0.85
Non Interest Income / Average Assets	0.34	0.46	0.71	0.62	0.75
Non Interest Expense / Average Asset	0.8	0.88	0.82	0.85	0.94
Capital And Funding
Total Average Common Equity / Total Average Assets %	4.33	4.19	4.29	4.47	4.55
Total Average Equity / Total Average Assets %	4.51	4.37	4.48	4.7	4.82
Total Equity + Allowance for Loan Losses / Total Loans %	14.94	14.06	14.72	14.72	14.23
Gross Loans / Total Deposits %	50.88	51.51	52.43	53.19	56.08
Net Loans / Total Deposits %	50.08	50.8	51.68	52.52	55.42
Tier 1 Capital Ratio %	12.38	12.04	15.72	16.65	14.95
Total Capital Ratio %	14.29	13.91	17.82	18.83	16.85
Core Tier 1 Capital Ratio	11.06	10.76	13.53	14.18	12.47
Tier 2 Capital Ratio	1.91	1.87	2.1	2.19	1.9
Coverage Ratio	-	-	-	-	-
Interbank Ratio	242.21	161.47	306.63	259.45	231.88
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	0.83	1.62	1.94	1.77	2.08
EBT + Interest Expense / Interest Expense	0.9	1.3	1.42	1.35	1.51
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-1.67	21.25	8.56	17.65	19.3
Non Interest Income, 1 Yr. Growth %	-60.08	45.13	76.9	-10.6	26.56
Provision For Loan Losses, 1 Yr. Growth %	-42.59	-97.07	2.82T	-52.94	85.66
Total Revenues, 1 Yr. Growth %	-36.87	42.58	30.51	5.64	21.21
Earnings From Cont. Operations, 1 Yr. Growth %	-103.8	-1.53T	239.28	-7.98	48.62
Net Income, 1 Yr. Growth %	-107.46	-820	252.63	-4.45	36.5
Normalized Net Income, 1 Yr. Growth %	-104.74	-1.2T	300.91	8.56	19.6
Diluted EPS Before Extra, 1 Yr. Growth %	-108.01	-798.32	265.39	-2.01	39.67
Dividend Per Share, 1 Yr. Growth %	12	14.29	28.12	56.1	34.38
Gross Loans, 1 Yr. Growth %	-2.27	6.05	6.6	2.71	10.23
Allowance For Loan Losses, 1 Yr. Growth %	9.07	-13.45	7.33	-8.39	-0.7
Net Loans, 1 Yr. Growth %	-2.42	6.26	6.55	2.88	10.32
Non Performing Loans, 1 Yr. Growth %	3	-11.89	4.38	-24.64	-5.25
Non Performing Assets, 1 Yr. Growth %	3	-11.89	4.38	-24.64	-5.25
Total Assets, 1 Yr. Growth %	3.91	3.83	4.11	2.04	4.84
Total Deposits, 1 Yr Growth %	-2.01	4.76	4.74	0.92	4.55
Tangible Book Value, 1 Yr. Growth %	0.26	0.99	10.94	2.77	7.39
Average Interest Earning Assets, 1 Yr. Growth %	2.7	5.37	0.84	20.12	-2.06
Average Interest Bearing Liabilities, 1 Yr. Growth %	5.21	5.4	1.88	3.04	-0.9
Common Equity, 1 Yr. Growth %	-0.36	1.01	11.94	3.45	7.04
Total Equity, 1 Yr. Growth %	0.32	1.04	12.21	3.96	8.26
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-6.26	9.19	14.73	13.37	18.47
Non Interest Income, 2 Yr. CAGR %	-18.02	-23.88	50.82	25.25	6.37
Provision For Loan Losses, 2 Yr. CAGR %	-7.04	-87.03	-7.47	308.88	-6.53
Total Revenues, 2 Yr. CAGR %	-11.81	-5.12	32.99	17.16	13.16
Earnings From Cont. Operations, 2 Yr. CAGR %	-62.75	-26.39	458.87	74.87	16.94
Net Income, 2 Yr. CAGR %	-47.82	-26.72	299.25	82.16	14.21
Normalized Net Income, 2 Yr. CAGR %	-68.53	-37.61	375.83	109.96	14.51
Diluted EPS Before Extra, 2 Yr. CAGR %	-45.67	-25.23	299.48	87.77	16.99
Dividend Per Share, 2 Yr. CAGR %	5.83	13.14	21.01	41.42	44.83
Gross Loans, 2 Yr. CAGR %	-2.15	1.81	6.33	4.63	6.41
Allowance For Loan Losses, 2 Yr. CAGR %	34.79	-2.84	-3.62	-1.18	-4.63
Net Loans, 2 Yr. CAGR %	-2.45	1.82	6.4	4.69	6.53
Non Performing Loans, 2 Yr. CAGR %	-0.68	-4.73	-4.1	-12.05	-15.5
Non Performing Assets, 2 Yr. CAGR %	-0.68	-4.73	-4.1	-12.05	-15.5
Total Assets, 2 Yr. CAGR %	5.27	3.87	3.97	3.12	3.43
Total Deposits, 2 Yr CAGR %	4.94	1.32	4.75	2.96	2.72
Tangible Book Value, 2 Yr. CAGR %	3.2	0.62	5.85	6.87	5.06
Average Interest Earning Assets, 2 Yr. CAGR %	5.9	4.03	3.08	10.03	8.46
Average Interest Bearing Liabilities, 2 Yr. CAGR %	8.22	5.31	3.63	2.49	1.05
Common Equity, 2 Yr. CAGR %	1.94	0.33	6.34	7.7	5.23
Total Equity, 2 Yr. CAGR %	1.74	0.68	6.48	8.12	6.09
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-4.96	2.13	8.98	16.15	15.32
Non Interest Income, 3 Yr. CAGR %	-7.55	-0.83	-3.16	26.81	25.69
Provision For Loan Losses, 3 Yr. CAGR %	100.81	-70.63	-21.08	-24.05	214.27
Total Revenues, 3 Yr. CAGR %	-8.51	3.51	3.75	23.31	18.49
Earnings From Cont. Operations, 3 Yr. CAGR %	-60.86	25.52	5.88	206.06	65.64
Net Income, 3 Yr. CAGR %	-51.24	25.16	5.93	147.74	65.46
Normalized Net Income, 3 Yr. CAGR %	-56.66	-6.67	2.39	190.63	74.05
Diluted EPS Before Extra, 3 Yr. CAGR %	-49.79	27.27	8.51	149.93	70.13
Dividend Per Share, 3 Yr. CAGR %	8.37	8.58	17.93	31.73	39.03
Gross Loans, 3 Yr. CAGR %	-1.07	0.51	3.38	5.1	6.46
Allowance For Loan Losses, 3 Yr. CAGR %	30.74	16.28	0.44	-5.45	-1.02
Net Loans, 3 Yr. CAGR %	-1.32	0.37	3.37	5.21	6.53
Non Performing Loans, 3 Yr. CAGR %	2.41	-4.56	-1.79	-12	-9.84
Non Performing Assets, 3 Yr. CAGR %	2.41	-4.56	-1.79	-12	-9.84
Total Assets, 3 Yr. CAGR %	6.4	4.79	3.95	3.36	3.69
Total Deposits, 3 Yr CAGR %	4.07	4.88	2.44	3.56	3.49
Tangible Book Value, 3 Yr. CAGR %	0.71	2.46	3.95	4.87	7.05
Average Interest Earning Assets, 3 Yr. CAGR %	4.59	5.72	2.95	8.52	5.84
Average Interest Bearing Liabilities, 3 Yr. CAGR %	6.04	7.28	4.15	3.5	1.34
Common Equity, 3 Yr. CAGR %	0.88	1.63	4.06	5.43	7.48
Total Equity, 3 Yr. CAGR %	0.65	1.51	4.39	5.71	8.17
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-2.37	1.39	2.48	6.61	12.95
Non Interest Income, 5 Yr. CAGR %	1.09	-1.12	12.44	6.51	0.6
Provision For Loan Losses, 5 Yr. CAGR %	1.85	-49.2	47.29	-17.66	-14.13
Total Revenues, 5 Yr. CAGR %	-1.35	-0.9	6.26	7.84	7.49
Earnings From Cont. Operations, 5 Yr. CAGR %	-24.32	-12.85	13.36	31.8	10.12
Net Income, 5 Yr. CAGR %	-16.29	-13.35	13.07	32.87	9.13
Normalized Net Income, 5 Yr. CAGR %	-24.83	-16.96	13	19.44	6.84
Diluted EPS Before Extra, 5 Yr. CAGR %	-13.95	-12.08	15.1	35.74	11.79
Dividend Per Share, 5 Yr. CAGR %	9.24	10.99	13.26	20.68	28.03
Gross Loans, 5 Yr. CAGR %	-0.81	0.54	1.83	2.14	4.58
Allowance For Loan Losses, 5 Yr. CAGR %	4.46	10.75	15.73	8.96	-1.75
Net Loans, 5 Yr. CAGR %	-0.88	0.44	1.7	2.08	4.62
Non Performing Loans, 5 Yr. CAGR %	-4.78	-2.57	-0.25	-7.63	-7.83
Non Performing Assets, 5 Yr. CAGR %	-4.78	-2.57	-0.25	-7.63	-7.83
Total Assets, 5 Yr. CAGR %	4.35	4.9	5.42	4.12	3.76
Total Deposits, 5 Yr CAGR %	3.36	3.76	4.34	4.11	2.61
Tangible Book Value, 5 Yr. CAGR %	2.49	1.11	2.73	4.2	4.43
Average Interest Earning Assets, 5 Yr. CAGR %	2.92	4.01	3.98	7.47	5.15
Average Interest Bearing Liabilities, 5 Yr. CAGR %	4.59	4.75	5.07	5.37	2.94
Common Equity, 5 Yr. CAGR %	2.22	1.04	3.03	4.02	4.56
Total Equity, 5 Yr. CAGR %	1.99	1.03	2.94	4.1	5.11