Income Statement NatWest Group plc

Equities

NWG

GB00BM8PJY71

Banks

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b657e4187922a6acb8861aa1.d--99-CcubXTQhILdzvmIYKpUyURG2QOVGX4fOn7_pU.O7_szqzTzf6jO3R9EkjLW8DvBGtaflY_JzOISKGItvoD3ti0odrM1OoXeQ

Published financial data: NATWEST GROUP PLC

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	931.3Cr	1.26TCr	2.1TCr	2.52TCr	2.57TCr
Interest Income, Total	931.3Cr	1.26TCr	2.1TCr	2.52TCr	2.57TCr
Interest On Deposits	169.9Cr	279.5Cr	997.7Cr	1.39TCr	1.29TCr
Interest Expense, Total	169.9Cr	279.5Cr	997.7Cr	1.39TCr	1.29TCr
Net Interest Income	761.4Cr	984.2Cr	1.1TCr	1.13TCr	1.28TCr
Income From Trading Activities	32Cr	113.3Cr	79Cr	82Cr	111.2Cr
Gain (Loss) on Sale of Assets	1.8Cr	-50L	-2.1Cr	3.1Cr	-3.6Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	12Cr	-17Cr	-4.3Cr	-1.9Cr	-80L
Income (Loss) on Equity Invest. (Income Block)	22Cr	-3Cr	-90L	1.9Cr	6.8Cr
Total Other Non Interest Income	236.9Cr	254.5Cr	297.9Cr	257.2Cr	267.6Cr
Non Interest Income, Total	304.3Cr	347.5Cr	370Cr	342.8Cr	381.2Cr
Revenues Before Provison For Loan Losses	1.07TCr	1.33TCr	1.47TCr	1.47TCr	1.66TCr
Provision For Loan Losses	-127.8Cr	34Cr	58Cr	36Cr	67Cr
Total Revenues	1.19TCr	1.3TCr	1.42TCr	1.43TCr	1.6TCr
Salaries And Other Employee Benefits	321.6Cr	365.6Cr	385Cr	393.6Cr	405.2Cr
Occupancy Expense	181.3Cr	194.5Cr	208.7Cr	226.9Cr	244.5Cr
Selling General & Admin Expenses, Total	194.2Cr	208.6Cr	205.9Cr	164.9Cr	160.4Cr
Non Interest Expense, Total	697.1Cr	768.7Cr	799.6Cr	785.4Cr	810.1Cr
EBT, Excl. Unusual Items	496.4Cr	529.3Cr	617.5Cr	649Cr	786.9Cr
Restructuring Charges	-79Cr	-	-	-	-
Total Merger & Related Restructuring Charges	-	-	-	-	-
Asset Writedown	-	-	-	-	-
Insurance Settlements	-	-	-	-	-
Legal Settlements	-	-	-	-	-
Other Unusual Items	-14Cr	-16Cr	30L	-30Cr	-16Cr
EBT, Incl. Unusual Items	403.2Cr	513.2Cr	617.8Cr	619.5Cr	770.8Cr
Income Tax Expense	100Cr	127.5Cr	143.4Cr	146.5Cr	187.4Cr
Earnings From Continuing Operations	303.6Cr	385.7Cr	474.4Cr	473Cr	583.4Cr
Earnings Of Discontinued Operations	28Cr	-26Cr	-11Cr	8.1Cr	-
Net Income to Company	331.2Cr	359.5Cr	463.2Cr	481.1Cr	583.4Cr
Minority Interest	-4.4Cr	-60L	40L	-90L	-30L
Net Income - (IS)	326.8Cr	358.9Cr	463.6Cr	480.2Cr	583.1Cr
Preferred Dividend and Other Adjustments	32Cr	25Cr	24Cr	28Cr	35Cr
Net Income to Common Incl Extra Items	295Cr	334Cr	439.4Cr	451.9Cr	547.9Cr
Net Income to Common Excl. Extra Items	267.4Cr	360.2Cr	450.6Cr	443.8Cr	547.9Cr
Per Share Items
Net EPS - Basic	0.27	0.34	0.48	0.53	0.68
Basic EPS - Continuing Operations	0.25	0.36	0.49	0.53	0.68
Basic Weighted Average Shares Outstanding	1.08TCr	987.2Cr	916.4Cr	845Cr	805.2Cr
Net EPS - Diluted	0.27	0.34	0.48	0.53	0.67
Diluted EPS - Continuing Operations	0.25	0.36	0.49	0.52	0.67
Diluted Weighted Average Shares Outstanding	1.08TCr	992.9Cr	921.9Cr	851.6Cr	812.6Cr
Normalized Basic EPS	0.28	0.33	0.42	0.48	0.61
Normalized Diluted EPS	0.28	0.33	0.42	0.48	0.6
Dividend Per Share	0.11	0.14	0.17	0.22	0.32
Payout Ratio	30.94	40.51	36.63	37.23	40.64
American Depositary Receipts Ratio (ADR)	2	2	2	2	2
Supplemental Items
Effective Tax Rate - (Ratio)	24.7	24.84	23.21	23.65	24.31
Total Current Taxes	100.5Cr	151.1Cr	149.6Cr	156Cr	140.1Cr
Total Deferred Taxes	-90L	-24Cr	-6.2Cr	-9.5Cr	47Cr
Normalized Net Income	305.85Cr	330.21Cr	386.34Cr	404.72Cr	491.51Cr
Non-Cash Pension Expense	-1.7Cr	1.1Cr	1.7Cr	-1.3Cr	80L
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	4.9Cr	6Cr	5.1Cr	6.1Cr	5.8Cr
Total Stock-Based Compensation	4.9Cr	6Cr	5.1Cr	6.1Cr	5.8Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	19TCr	15TCr	11TCr	10TCr	9.27TCr
Investment Securities, Total	9.37TCr	7.31TCr	10TCr	13TCr	14TCr
Trading Asset Securities, Total	14TCr	12TCr	9.19TCr	9.33TCr	7.5TCr
Total investments	23TCr	19TCr	19TCr	22TCr	22TCr
Gross Loans	34TCr	35TCr	36TCr	37TCr	39TCr
Allowance For Loan Losses	-380.6Cr	-343.4Cr	-364.5Cr	-342.5Cr	-358.5Cr
Other Adjustments to Gross Loans	-89Cr	-89Cr	-102.5Cr	-100.1Cr	-90Cr
Net Loans	33TCr	35TCr	36TCr	37TCr	39TCr
Gross Property Plant And Equipment	-	-	-	-	-
Accumulated Depreciation	-	-	-	-	-
Net Property Plant And Equipment	423Cr	424Cr	422.7Cr	396.7Cr	428.2Cr
Goodwill	552.2Cr	552.2Cr	568Cr	567.5Cr	552Cr
Other Intangibles, Total	120.1Cr	159.4Cr	193.4Cr	191.3Cr	177.2Cr
Investment in Real Estate	-	-	-	-	-
Accrued Interest Receivable	25Cr	33Cr	29Cr	-	-
Other Receivables	19Cr	28Cr	4.9Cr	70L	7.1Cr
Restricted Cash	435.3Cr	495.9Cr	456.6Cr	375.5Cr	274.7Cr
Other Current Assets, Total	960Cr	743.8Cr	182.7Cr	-	23Cr
Deferred Tax Assets Long-Term (Collected)	119.5Cr	217.8Cr	189.4Cr	187.6Cr	125.2Cr
Other Long-Term Assets, Total	321.9Cr	345.9Cr	793.6Cr	394.1Cr	255.7Cr
Total Assets	78TCr	72TCr	69TCr	71TCr	71TCr
Liabilities
Accrued Expenses, Total	150.8Cr	140.7Cr	141.1Cr	135.3Cr	135Cr
Interest Bearing Deposits	48TCr	46TCr	44TCr	45TCr	46TCr
Institutional Deposits	-	-	-	-	-
Non-Interest Bearing Deposits	-	-	-	-	-
Total Deposits	48TCr	46TCr	44TCr	45TCr	46TCr
Short-Term Borrowings	13TCr	11TCr	9.77TCr	9.67TCr	9.3TCr
Current Portion of Long-Term Debt	782.9Cr	871.1Cr	1TCr	1.25TCr	1.26TCr
Current Portion of Leases	24Cr	14Cr	10Cr	9.4Cr	8.5Cr
Long-Term Debt	4.02TCr	3.99TCr	3.82TCr	4.17TCr	4.95TCr
Long-Term Leases	102.5Cr	98Cr	57Cr	54Cr	45Cr
Current Income Taxes Payable	1.2Cr	5.5Cr	33Cr	26Cr	7.6Cr
Other Current Liabilities - (Bank / Utility Template)	4.7TCr	4.82TCr	5.58TCr	4.97TCr	4.4TCr
Unearned Revenue Non Current	32Cr	36Cr	40Cr	39Cr	42Cr
Pension & Other Post Retirement Benefits	11Cr	9.8Cr	9.9Cr	8Cr	7.8Cr
Deferred Tax Liability Non-Current	36Cr	23Cr	14Cr	9.9Cr	10Cr
Other Non Current Liabilities	2.49TCr	1.19TCr	985.9Cr	1.18TCr	1.06TCr
Total Liabilities	74TCr	68TCr	66TCr	67TCr	67TCr
Preferred Stock Non Redeemable	10L	-	5L	5L	5L
Preferred Stock - Others	49Cr	-	-	-	-
Total Preferred Equity	49Cr	-	5L	5L	5L
Common Stock, Total	1.15TCr	1.05TCr	968.3Cr	897.2Cr	886Cr
Additional Paid In Capital	67Cr	116.1Cr	116.05Cr	116.05Cr	116.05Cr
Retained Earnings	1.3TCr	1TCr	1.06TCr	1.14TCr	1.44TCr
Treasury Stock	-37Cr	-26Cr	-50Cr	-87Cr	-72Cr
Comprehensive Income and Other	1.66TCr	1.5TCr	1.62TCr	1.87TCr	1.89TCr
Total Common Equity	4.13TCr	3.65TCr	3.72TCr	3.93TCr	4.26TCr
Minority Interest	70L	80L	3.1Cr	2.8Cr	1.4Cr
Total Equity	4.18TCr	3.65TCr	3.72TCr	3.94TCr	4.26TCr
Total Liabilities And Equity	78TCr	72TCr	69TCr	71TCr	71TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.05TCr	965.9Cr	879.27Cr	804.34Cr	799.6Cr
ECS Total Common Shares Outstanding	1.05TCr	965.9Cr	879.27Cr	804.34Cr	799.6Cr
Book Value / Share	3.57	3.37	3.78	4.24	4.76
Tangible Book Value	3.46TCr	2.94TCr	2.95TCr	3.18TCr	3.53TCr
Tangible Book Value Per Share	2.93	2.64	2.92	3.29	3.84
Tangible Book Value Per Share (As Reported)	2.93	2.64	2.92	3.29	3.84
Average Assets	-	-	-	-	-
Average Loans	-	-	-	-	-
Total Debt	18TCr	16TCr	15TCr	15TCr	16TCr
Deposits at Interest - Cash	1.29TCr	1.36TCr	1.46TCr	1.19TCr	1.03TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-1.1TCr	-999.7Cr	-751.9Cr	-547Cr	-522Cr
Net Debt	-19TCr	-15TCr	-11TCr	-10TCr	-7.26TCr
Equity Method Investments, Total	72Cr	69Cr	67Cr	69Cr	75Cr
Full Time Employees	58.74T	61.86T	61.25T	61.65T	59T
Number Of Offices	800	-	-	-	-
Assets on Operating Lease - Gross	-	-	-	-	-
Assets on Operating Lease - Accumulated Depreciation	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	326.8Cr	358.9Cr	463.6Cr	480.2Cr	583.1Cr
Depreciation, Depletion & Amortization	54Cr	49Cr	50Cr	50Cr	46Cr
Amortization of Goodwill and Intangible Assets - (CF)	30Cr	-	-	-	-
Total Depreciation, Depletion & Amortization	84Cr	49Cr	50Cr	50Cr	46Cr
Amortization of Deferred Charges, Total	-	34Cr	44Cr	56Cr	69Cr
(Gain) Loss On Sale of Asset - (CF)	-2.5Cr	15Cr	12Cr	-2.3Cr	-70L
(Gain) Loss on Sale of Investments - (CF)	185.6Cr	144.5Cr	-54Cr	30Cr	4.1Cr
Total Asset Writedown	8.7Cr	-	-	-	-
Restructuring Activities	-	-	-	-	-
Provision for Credit Losses	-127.8Cr	34Cr	58Cr	36Cr	67Cr
(Income) Loss On Equity Investments - (CF)	-22Cr	3Cr	90L	-1.9Cr	-6.8Cr
Change in Trading Asset Securities	6.74TCr	1.86TCr	2.12TCr	-570.4Cr	1.79TCr
Change in Other Net Operating Assets (Collected)	-7.46TCr	-3.17TCr	-2.96TCr	-1.29TCr	-3.64TCr
Other Operating Activities	232.8Cr	-120.5Cr	261.7Cr	248.6Cr	-152.2Cr
Net Cash From Discontinued Operations	22Cr	-33Cr	-12Cr	8.1Cr	-
Cash from Operations	-6Cr	-826.7Cr	-22Cr	-960.3Cr	-1.24TCr
Capital Expenditure	-90Cr	-64Cr	-81Cr	-46Cr	-66Cr
Sale of Property, Plant, and Equipment	16Cr	15Cr	13Cr	20Cr	6Cr
Cash Acquisitions	-312.8Cr	-	-14Cr	-230.1Cr	23Cr
Divestitures	11Cr	627Cr	556Cr	100Cr	-
Purchase / Sale of Intangible Assets	-48Cr	-74Cr	-74Cr	-61Cr	-62Cr
Investment in Marketable and Equity Securities, Total	665.8Cr	1.35TCr	-1.97TCr	-1.23TCr	-1.53TCr
Other Investing Activities, Total	64Cr	55Cr	101.2Cr	182.9Cr	248.7Cr
Cash from Investing	306.5Cr	1.91TCr	-1.47TCr	-1.27TCr	-1.38TCr
Long-Term Debt Issued, Total	273.6Cr	-	458.4Cr	643.7Cr	569.2Cr
Total Debt Issued	273.6Cr	-	458.4Cr	643.7Cr	569.2Cr
Long-Term Debt Repaid, Total	-345.2Cr	-539.3Cr	-548.6Cr	-385.3Cr	-417.7Cr
Total Debt Repaid	-345.2Cr	-539.3Cr	-548.6Cr	-385.3Cr	-417.7Cr
Issuance of Common Stock	94Cr	-	-	139Cr	124.8Cr
Repurchase of Common Stock	-180.6Cr	-205.4Cr	-241.6Cr	-271.6Cr	-58Cr
Repurchase of Preferred Stock	-	-	-	-	-
Common Dividends Paid	-99Cr	-145.4Cr	-169.8Cr	-178.8Cr	-237Cr
Preferred Dividends Paid	-1.9Cr	-	-	-	-
Common & Preferred Stock Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-101.1Cr	-145.4Cr	-169.8Cr	-178.8Cr	-237Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	5.37TCr	-3.53TCr	-1.72TCr	1.14TCr	1.95TCr
Special Dividend Paid	-	-174.6Cr	-	-	-
Other Financing Activities, Total	-50L	-50L	-128.8Cr	-135.6Cr	-330.8Cr
Cash from Financing	5.11TCr	-4.6TCr	-2.35TCr	948.9Cr	1.6TCr
Foreign Exchange Rate Adjustments	-264.1Cr	293.3Cr	-118.9Cr	-116.6Cr	78Cr
Net Change in Cash	5.15TCr	-3.23TCr	-3.96TCr	-1.4TCr	-941.2Cr
Supplemental Items
Cash Interest Paid	263.6Cr	343.4Cr	1.02TCr	1.5TCr	1.43TCr
Cash Income Tax Paid (Refund)	86Cr	122.3Cr	103.3Cr	160.2Cr	179.2Cr
Net Debt Issued / Repaid	-72Cr	-539.3Cr	-90Cr	258.4Cr	151.5Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.38	0.51	0.67	0.68	0.82
Return On Equity %	7.09	9.85	12.88	12.36	14.23
Return on Common Equity	6.32	9.26	12.24	11.6	13.37
Shareholders Value Added	-102.02Cr	-107.84Cr	22Cr	21Cr	91Cr
Margin Analysis
SG&A Margin	58.41	59.22	56.42	54.75	50.73
Net Interest Income / Total Revenues %	63.8	75.82	77.97	78.6	80.33
EBT Excl. Non-Recurring Items Margin %	41.59	40.78	43.57	45.25	49.27
Income From Continuing Operations Margin %	25.44	29.71	33.48	32.98	36.53
Net Income Margin %	27.38	27.65	32.71	33.48	36.51
Net Avail. For Common Margin %	22.4	27.75	31.8	30.94	34.31
Normalized Net Income Margin	25.63	25.44	27.26	28.22	30.78
Asset quality
Nonperforming Loans / Total Loans %	1.48	1.44	1.54	1.6	1.19
Nonperforming Loans / Total Assets %	0.64	0.71	0.8	0.84	0.66
Nonperforming Assets / Total Assets %	0.64	0.71	0.8	0.84	0.66
NPAs / Loans and OREO	1.48	1.44	1.54	1.6	1.19
NPAs / Equity	12.01	13.96	14.96	15.06	10.99
Allowance for Credit Losses / Net Charge-offs %	-	-	-	-	-
Allowance for Credit Losses / Nonperforming Loans %	75.79	67.39	65.52	57.76	76.55
Allowance for Credit Losses / Total Loans %	1.12	0.97	1.01	0.92	0.91
Net Charge-offs / Total Average Loans %	-	-	-	-	-
Provision for Loan Losses / Net Charge-offs %	-	-	-	-	-
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 %	5.35	5.18	5.21	5.46	5.76
Total Average Equity / Total Average Assets %	5.41	5.21	5.22	5.47	5.76
Total Equity + Allowance for Loan Losses / Total Loans %	13.44	11.32	11.32	11.53	11.76
Gross Loans / Total Deposits %	70.1	76.59	81.73	81.82	85.38
Net Loans / Total Deposits %	69.13	75.65	80.67	80.84	84.41
Tier 1 Capital Ratio %	21	16.4	15.5	16.5	16.4
Total Capital Ratio %	24.7	19.3	18.4	19.7	19.3
Core Tier 1 Capital Ratio	18.2	14.2	13.4	13.6	14
Tier 2 Capital Ratio	3.64	2.87	2.91	3.23	2.98
Coverage Ratio	75.79	67.39	65.52	57.76	76.55
Interbank Ratio	29.23	49.12	70.65	62.27	15.78
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	3.37	2.84	1.62	1.45	1.6
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	1.85	30.62	12.26	2.05	13.78
Non Interest Income, 1 Yr. Growth %	-10.87	14.35	6.47	-7.35	11.2
Provision For Loan Losses, 1 Yr. Growth %	-140.82	-128.73	71.51	-37.89	86.91
Total Revenues, 1 Yr. Growth %	53.82	10.5	9.18	1.22	11.34
Earnings From Cont. Operations, 1 Yr. Growth %	-647.03	35.43	23	-0.3	23.34
Net Income, 1 Yr. Growth %	-978.49	9.82	29.17	3.58	21.43
Normalized Net Income, 1 Yr. Growth %	382.98	31.97	17	-0.93	21.44
Diluted EPS Before Extra, 1 Yr. Growth %	-416.89	58.08	35.08	6.54	29.37
Dividend Per Share, 1 Yr. Growth %	250.15	21.75	23.46	26.47	51.16
Gross Loans, 1 Yr. Growth %	-1.41	3.92	2.07	2.95	5.83
Allowance For Loan Losses, 1 Yr. Growth %	-38.47	-9.77	6.14	-6.04	4.67
Net Loans, 1 Yr. Growth %	-0.68	4.09	2	3.06	5.88
Non Performing Loans, 1 Yr. Growth %	-21.01	1.47	9.16	6.6	-21.03
Non Performing Assets, 1 Yr. Growth %	-21.01	1.47	9.16	6.6	-21.03
Total Assets, 1 Yr. Growth %	-2.19	-7.92	-3.8	2.21	0.93
Total Deposits, 1 Yr Growth %	9.67	-4.89	-4.27	2.84	1.4
Tangible Book Value, 1 Yr. Growth %	-5.81	-15.06	0.58	7.51	11.16
Average Interest Earning Assets, 1 Yr. Growth %	8.51	4.79	-4.33	1.67	3.4
Average Interest Bearing Liabilities, 1 Yr. Growth %	-	-	-	-	-
Common Equity, 1 Yr. Growth %	-4.76	-11.66	1.83	5.9	8.26
Total Equity, 1 Yr. Growth %	-4.61	-12.7	1.9	5.89	8.22
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-1.19	15.41	21.09	7.03	7.75
Non Interest Income, 2 Yr. CAGR %	-22.99	1.16	10.34	-0.68	1.46
Provision For Loan Losses, 2 Yr. CAGR %	32.86	-67.02	-29.8	3.21	7.74
Total Revenues, 2 Yr. CAGR %	-1.12	29.94	9.83	5.12	6.15
Earnings From Cont. Operations, 2 Yr. CAGR %	-7.44	148.02	29.06	10.74	10.89
Net Income, 2 Yr. CAGR %	-3.9	210.61	19.11	15.67	12.15
Normalized Net Income, 2 Yr. CAGR %	12.17	757.82	24.26	6.88	9.66
Diluted EPS Before Extra, 2 Yr. CAGR %	-1.91	107.31	46.13	19.97	17.4
Dividend Per Share, 2 Yr. CAGR %	129.36	106.47	22.6	26.2	38.27
Gross Loans, 2 Yr. CAGR %	2.84	1.22	3.03	2.51	4.38
Allowance For Loan Losses, 2 Yr. CAGR %	0.18	-25.49	-2.14	-0.13	-0.83
Net Loans, 2 Yr. CAGR %	2.74	1.68	3.08	2.53	4.46
Non Performing Loans, 2 Yr. CAGR %	-12.76	-10.47	5.25	7.87	-8.25
Non Performing Assets, 2 Yr. CAGR %	-12.76	-10.47	5.25	7.87	-8.25
Total Assets, 2 Yr. CAGR %	4	-5.1	-5.88	-0.84	1.57
Total Deposits, 2 Yr CAGR %	12.09	2.13	-4.58	-0.78	2.12
Tangible Book Value, 2 Yr. CAGR %	-2.57	-10.55	-7.57	3.99	9.32
Average Interest Earning Assets, 2 Yr. CAGR %	9.22	6.81	0.12	-	-
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	-	-	-	-
Common Equity, 2 Yr. CAGR %	-2.05	-8.27	-5.15	3.85	7.07
Total Equity, 2 Yr. CAGR %	-2.03	-8.74	-5.68	3.87	7.05
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-4.19	8.06	14.35	14.38	9.24
Non Interest Income, 3 Yr. CAGR %	-11.49	-12.18	2.9	4.1	3.13
Provision For Loan Losses, 3 Yr. CAGR %	47.53	-22.5	-42.86	-32.61	25.8
Total Revenues, 3 Yr. CAGR %	-1.91	2.07	22.62	6.88	7.15
Earnings From Cont. Operations, 3 Yr. CAGR %	12.17	2.86	96.32	18.42	14.79
Net Income, 3 Yr. CAGR %	14.82	0.47	131.85	13.69	17.56
Normalized Net Income, 3 Yr. CAGR %	6.46	10.75	341.56	17.38	11.53
Diluted EPS Before Extra, 3 Yr. CAGR %	19.56	12.2	79.73	31.52	23.02
Dividend Per Share, 3 Yr. CAGR %	24.08	85.71	73.95	23.88	34.02
Gross Loans, 3 Yr. CAGR %	3.09	3.2	1.53	3.01	3.61
Allowance For Loan Losses, 3 Yr. CAGR %	-0.39	-3.25	-16.16	-3.45	1.44
Net Loans, 3 Yr. CAGR %	3.04	3.18	1.81	3.07	3.63
Non Performing Loans, 3 Yr. CAGR %	-14.99	-8.25	-4.35	5.7	-2.78
Non Performing Assets, 3 Yr. CAGR %	-14.99	-8.25	-4.35	5.7	-2.78
Total Assets, 3 Yr. CAGR %	4.05	-0.14	-4.67	-3.26	-0.26
Total Deposits, 3 Yr CAGR %	8.44	6.12	-0.05	-2.17	-0.05
Tangible Book Value, 3 Yr. CAGR %	-3.62	-6.93	-6.99	-2.79	6.33
Average Interest Earning Assets, 3 Yr. CAGR %	6.3	7.34	2.96	0.64	-
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	-	-	-	-
Common Equity, 3 Yr. CAGR %	-2.99	-5.36	-5.02	-1.6	5.3
Total Equity, 3 Yr. CAGR %	-3.48	-5.72	-5.33	-1.97	5.3
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-2.65	1.83	5	7.65	11.67
Non Interest Income, 5 Yr. CAGR %	-5.36	-3.5	-3.36	-7.75	2.34
Provision For Loan Losses, 5 Yr. CAGR %	21.74	-7.33	7.75	-13.09	-26.36
Total Revenues, 5 Yr. CAGR %	-0.5	0.52	2.3	3.28	15.75
Earnings From Cont. Operations, 5 Yr. CAGR %	-10.17	20.66	17.14	5.94	56.22
Net Income, 5 Yr. CAGR %	-8.87	19.5	16.51	6.29	73.4
Normalized Net Income, 5 Yr. CAGR %	9.07	6.98	8.79	10.73	155.8
Diluted EPS Before Extra, 5 Yr. CAGR %	-17.39	39.8	27.65	15.24	51.58
Dividend Per Share, 5 Yr. CAGR %	-	-	23.49	58.49	58.69
Gross Loans, 5 Yr. CAGR %	0.74	2.27	3.07	2.94	2.66
Allowance For Loan Losses, 5 Yr. CAGR %	-3.1	-2.08	-1.09	-2.02	-10.34
Net Loans, 5 Yr. CAGR %	0.73	2.27	3.05	2.94	2.86
Non Performing Loans, 5 Yr. CAGR %	-15.28	-10.56	-7.41	-2.11	-5.93
Non Performing Assets, 5 Yr. CAGR %	-15.28	-10.56	-7.41	-2.11	-5.93
Total Assets, 5 Yr. CAGR %	-0.42	-0.49	-0.04	-0.42	-2.22
Total Deposits, 5 Yr CAGR %	4.57	3.81	3.03	3.31	0.81
Tangible Book Value, 5 Yr. CAGR %	-2.66	-5.62	-5.22	-2.7	-0.78
Average Interest Earning Assets, 5 Yr. CAGR %	-	5.2	3.56	3.76	2.78
Average Interest Bearing Liabilities, 5 Yr. CAGR %	-	-	-	-	-
Common Equity, 5 Yr. CAGR %	-2.15	-4.43	-3.86	-1.78	-0.36
Total Equity, 5 Yr. CAGR %	-3.29	-5.76	-4.37	-2	-0.56