Financial Ratios Peoples Financial Services Corp.

Equities

PFIS

US7110401053

Banks

Market Closed - Nasdaq Other stock markets 02:30:00 14/01/2026 am IST			5-day change	1st Jan Change
49.21 ^USD	+0.04%		+0.96%	+1.03%

08/12	Stephens Downgrades Peoples Financial Services to Equalweight From Overweight, $50 Price Target	MT
01/25/01	Peoples Financial Services Maintains Quarterly Dividend at $0.6175 a Share, Payable Dec. 15 to Shareholders of Record on Nov. 28	MT

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Published financial data: PEOPLES FINANCIAL SERVICES CORP.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	8.74Cr	8.64Cr	10Cr	13Cr	19Cr
Interest Income On Investments	67.06L	76.07L	1.07Cr	1.52Cr	1.92Cr
Interest Income, Total	9.41Cr	9.41Cr	11Cr	15Cr	21Cr
Interest On Deposits	1.17Cr	73.1L	1.26Cr	5.86Cr	8.79Cr
Total Interest On Borrowings	25.85L	21.12L	29.53L	45.36L	75.37L
Interest Expense, Total	1.43Cr	94.22L	1.56Cr	6.31Cr	9.55Cr
Net Interest Income	7.98Cr	8.46Cr	9.57Cr	8.68Cr	12Cr
Trust Income	34.07L	38.1L	36.59L	37.95L	43.88L
Total Mortgage Banking Activities	15.95L	10L	5L	4L	4L
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	9L	1.22Cr	-20.07L	70T	1L
Total Other Non Interest Income	1.07Cr	86.96L	96.82L	98.78L	1.34Cr
Non Interest Income, Total	1.66Cr	2.56Cr	1.18Cr	1.41Cr	1.83Cr
Revenues Before Provison For Loan Losses	9.64Cr	11Cr	11Cr	10Cr	13Cr
Provision For Loan Losses	74L	17.5L	-4L	6L	1.91Cr
Total Revenues	8.9Cr	11Cr	11Cr	10Cr	12Cr
Salaries And Other Employee Benefits	2.92Cr	2.89Cr	3.36Cr	3.44Cr	4.5Cr
Amort. of Goodwill & Intang. Assets	6L	5L	4L	1L	33.67L
Occupancy Expense	1.21Cr	1.21Cr	1.56Cr	1.61Cr	2.11Cr
Federal Deposit Insurance	9L	11.17L	13L	21.31L	31.58L
Selling General & Admin Expenses, Total	42.22L	43.52L	46.58L	52.43L	60.82L
(Income) Loss on Real Estate Property	-	-	-5L	-18T	-
Total Other Non Interest Expense	65.03L	66.65L	63.22L	63.81L	1Cr
Non Operating (Income) Expenses	13.57L	14.35L	13.81L	16.19L	18.25L
Non Interest Expense, Total	5.49Cr	5.5Cr	6.27Cr	6.6Cr	9.05Cr
EBT, Excl. Unusual Items	3.42Cr	5.35Cr	4.54Cr	3.43Cr	2.47Cr
Total Merger & Related Restructuring Charges	-	-	-	-18.16L	-1.62Cr
EBT, Incl. Unusual Items	3.42Cr	5.35Cr	4.54Cr	3.25Cr	84.68L
Income Tax Expense	48.21L	99.98L	72.76L	51.21L	-30T
Earnings From Continuing Operations	2.94Cr	4.35Cr	3.81Cr	2.74Cr	84.98L
Net Income to Company	2.94Cr	4.35Cr	3.81Cr	2.74Cr	84.98L
Net Income - (IS)	2.94Cr	4.35Cr	3.81Cr	2.74Cr	84.98L
Net Income to Common Incl Extra Items	2.94Cr	4.35Cr	3.81Cr	2.74Cr	84.98L
Net Income to Common Excl. Extra Items	2.94Cr	4.35Cr	3.81Cr	2.74Cr	84.98L
Per Share Items
Net EPS - Basic	4.02	6.05	5.31	3.85	1
Basic EPS - Continuing Operations	4.02	6.05	5.31	3.85	1
Basic Weighted Average Shares Outstanding	73.05L	71.96L	71.68L	71.08L	85.31L
Net EPS - Diluted	4	6.02	5.28	3.83	0.99
Diluted EPS - Continuing Operations	4	6.02	5.28	3.83	0.99
Diluted Weighted Average Shares Outstanding	73.38L	72.35L	72.12L	71.51L	85.86L
Normalized Basic EPS	2.92	4.65	3.96	3.02	1.81
Normalized Diluted EPS	2.91	4.62	3.93	3	1.8
Dividend Per Share	1.44	1.5	1.58	1.64	2.06
Payout Ratio	35.83	24.8	29.73	42.58	212.91
Supplemental Items
Effective Tax Rate - (Ratio)	14.11	18.68	16.04	15.76	-0.35
Current Domestic Taxes	-	-	-	-	36.19L
Total Current Taxes	66L	95.48L	66.65L	38.53L	36.19L
Deferred Domestic Taxes	-	-	-	-	-36.49L
Total Deferred Taxes	-17.79L	4L	6L	12.68L	-36.49L
Normalized Net Income	2.14Cr	3.34Cr	2.84Cr	2.14Cr	1.54Cr
Non-Cash Pension Expense	-5L	-6L	-8L	-3L	-5L
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	-	-	7L	-	-
Stock-Based Comp., SG&A Exp. (Total)	9L	9L	-	9L	8L
Total Stock-Based Compensation	9L	9L	7L	9L	8L

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	23Cr	28Cr	3.79Cr	19Cr	14Cr
Investment Securities, Total	21Cr	41Cr	36Cr	33Cr	39Cr
Trading Asset Securities, Total	1.54Cr	98.7L	2.18Cr	1.93Cr	2.05Cr
Mortgage Backed Securities	9.88Cr	18Cr	21Cr	16Cr	24Cr
Total investments	32Cr	60Cr	60Cr	51Cr	65Cr
Gross Loans	217.8Cr	232.92Cr	273.01Cr	285.03Cr	399.46Cr
Allowance For Loan Losses	-2.73Cr	-2.84Cr	-2.75Cr	-2.19Cr	-4.18Cr
Other Adjustments to Gross Loans	-	-	-	-4L	-11L
Net Loans	215.06Cr	230.08Cr	270.26Cr	282.8Cr	395.17Cr
Gross Property Plant And Equipment	7.85Cr	8.53Cr	9.18Cr	10Cr	13Cr
Accumulated Depreciation	-3.14Cr	-3.38Cr	-3.61Cr	-3.87Cr	-5.3Cr
Net Property Plant And Equipment	4.7Cr	5.15Cr	5.57Cr	6.13Cr	7.33Cr
Goodwill	6.34Cr	6.34Cr	6.34Cr	6.34Cr	7.6Cr
Other Intangibles, Total	10L	5L	1L	-	3.42Cr
Loans Held For Sale	8L	4L	-	2L	-
Accrued Interest Receivable	82.55L	85.28L	1.17Cr	1.27Cr	1.56Cr
Restricted Cash	-	-	-	-	-
Other Current Assets, Total	-	-	-	57.89L	83.35L
Deferred Tax Assets Long-Term (Collected)	37.68L	53.55L	1.87Cr	1.38Cr	3.57Cr
Other Real Estate Owned And Foreclosed	9L	6L	1L	-	8L
Other Long-Term Assets, Total	5.49Cr	5.41Cr	6.71Cr	6.16Cr	11Cr
Total Assets	288.38Cr	336.95Cr	355.35Cr	374.23Cr	509.17Cr
Liabilities
Interest Bearing Deposits	160.25Cr	213.48Cr	218.11Cr	251.31Cr	328.8Cr
Institutional Deposits	21Cr	9.08Cr	9.27Cr	12Cr	18Cr
Non-Interest Bearing Deposits	62Cr	74Cr	77Cr	64Cr	94Cr
Total Deposits	243.71Cr	296.34Cr	304.66Cr	327.9Cr	440.76Cr
Short-Term Borrowings	6.41Cr	88.11L	14Cr	3.82Cr	3.61Cr
Current Portion of Long-Term Debt	1.21Cr	21.56L	6L	-	3.96Cr
Current Portion of Leases	6L	8L	7L	8L	11.3L
Long-Term Debt	3.3Cr	3.3Cr	3.3Cr	3.3Cr	3.3Cr
Federal Home Loan Bank Debt - Long-Term	27.11L	6L	-	2.5Cr	5.91Cr
Long-Term Leases	58.14L	79.99L	75.64L	1.01Cr	1.16Cr
Trust Preferred Securities (BS)	-	-	-	-	80.39L
Accrued Interest Payable	7L	4L	9L	57.65L	55.03L
Pension & Other Post Retirement Benefits	23.51L	25.73L	28L	31L	51L
Other Non Current Liabilities	84.32L	96.67L	96.13L	67.81L	1.61Cr
Total Liabilities	256.69Cr	302.94Cr	323.82Cr	340.19Cr	462.27Cr
Common Stock, Total	1.44Cr	1.43Cr	1.43Cr	1.41Cr	2Cr
Additional Paid In Capital	13Cr	13Cr	13Cr	12Cr	25Cr
Retained Earnings	17Cr	20Cr	23Cr	25Cr	24Cr
Comprehensive Income and Other	21.49L	-55.14L	-5.63Cr	-4.44Cr	-4.07Cr
Total Common Equity	32Cr	34Cr	32Cr	34Cr	47Cr
Total Equity	32Cr	34Cr	32Cr	34Cr	47Cr
Total Liabilities And Equity	288.38Cr	336.95Cr	355.35Cr	374.23Cr	509.17Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	72.03L	71.68L	71.61L	70.59L	99.94L
ECS Total Common Shares Outstanding	72.15L	71.69L	71.58L	70.41L	99.91L
Book Value / Share	43.92	47.44	44.06	48.35	46.94
Tangible Book Value	25Cr	28Cr	25Cr	28Cr	36Cr
Tangible Book Value Per Share	35	38.54	35.19	39.35	35.91
Average Assets	269.69Cr	307.72Cr	341.4Cr	368.32Cr	449.36Cr
Average Loans	212.31Cr	222.06Cr	252.26Cr	283.18Cr	345.69Cr
Total Debt	12Cr	5.33Cr	18Cr	11Cr	19Cr
Deposits at Interest - Cash	1.59Cr	70.93L	2L	91.41L	85.93L
Federal Funds Sold	18Cr	24Cr	-	14Cr	8.02Cr
Debt Equivalent of Unfunded Proj. Benefit Obligation	14.85L	-11.91L	-23.14L	-37.64L	-57.88L
Net Debt	-13Cr	-24Cr	12Cr	-9.95Cr	3.21Cr
Equity Method Investments, Total	63.32L	59L	54.46L	50.15L	1.79Cr
Full Time Employees	352	370	393	375	511
Part Time Employees	32	26	22	20	27
Number Of Offices	26	28	28	28	39

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	2.94Cr	4.35Cr	3.81Cr	2.74Cr	84.98L
Depreciation, Depletion & Amortization	36.44L	31.51L	36.71L	33.92L	38.16L
Amortization of Goodwill and Intangible Assets - (CF)	6L	5L	4L	1L	47.48L
Total Depreciation, Depletion & Amortization	42.5L	36.42L	40.34L	34.97L	85.64L
Amortization of Deferred Charges, Total	-	-	12.94L	7L	4L
Gain (Loss) on Sale of Loans & Receivables - (CF)	-9L	-3L	-47T	12T	-91.05L
(Gain) Loss On Sale of Asset - (CF)	39T	-2L	-7L	-15T	2L
(Gain) Loss on Sale of Investments - (CF)	7L	-1.04Cr	39.49L	13.66L	-5L
Total Asset Writedown	-	-	-	-	8L
Provision for Credit Losses	74L	17.5L	-4L	6L	1.91Cr
Stock-Based Compensation (CF)	6L	5L	5L	9L	8L
Net (Increase) Decrease in Loans Originated / Sold - Operating	10.52L	8L	5L	-3L	2L
Changes in Accrued Interest Receivable	-12.74L	-3L	-31.87L	-10.19L	45.5L
Changes in Accrued Interest Payable	-5L	-3L	5L	48.62L	-22.28L
Change in Other Net Operating Assets (Collected)	12.81L	30.03L	-17.49L	-49.18L	92.43L
Other Operating Activities	-47.89L	-9L	-4L	2L	-66.61L
Cash from Operations	3.72Cr	4.08Cr	4.24Cr	3.33Cr	3.39Cr
Capital Expenditure	-22.92L	-48.85L	-78.31L	-59.25L	-25.75L
Sale of Property, Plant, and Equipment	4L	58T	2L	14T	18.07L
Cash Acquisitions	-	-	-	-	2.81Cr
Divestitures	-	-	-	-	-
Sale (Purchase) of Real Estate Properties (Collected)	6L	9L	10L	1L	-
Investment in Marketable and Equity Securities, Total	4.3Cr	-29Cr	-4.83Cr	9.89Cr	30Cr
Net (Increase) Decrease in Loans Originated / Sold - Investing	-24Cr	-15Cr	-40Cr	-12Cr	6.17Cr
Other Investing Activities, Total	-16.96L	18.03L	-1.02Cr	44.5L	-44.34L
Cash from Investing	-20Cr	-44Cr	-47Cr	-2.58Cr	39Cr
Short Term Debt Issued, Total	10Cr	-	11Cr	-	-
Long-Term Debt Issued, Total	3.3Cr	-	-	2.5Cr	-
Total Debt Issued	14Cr	-	11Cr	2.5Cr	-
Short Term Debt Repaid, Total	-21Cr	-5Cr	-	-9.73Cr	-13Cr
Long-Term Debt Repaid, Total	-1.8Cr	-1.21Cr	-21.56L	-6L	-2.33Cr
Total Debt Repaid	-22Cr	-6.21Cr	-21.56L	-9.79Cr	-15Cr
Repurchase of Common Stock	-68.93L	-23.61L	-12.53L	-58.86L	-
Common Dividends Paid	-1.05Cr	-1.08Cr	-1.13Cr	-1.17Cr	-1.81Cr
Common & Preferred Stock Dividends Paid	-1.05Cr	-1.08Cr	-1.13Cr	-1.17Cr	-1.81Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	47Cr	53Cr	8.32Cr	23Cr	-30Cr
Cash from Financing	36Cr	45Cr	18Cr	14Cr	-47Cr
Net Change in Cash	20Cr	5.17Cr	-24Cr	15Cr	-5.15Cr
Supplemental Items
Cash Interest Paid	1.49Cr	97.5L	1.51Cr	5.82Cr	9.57Cr
Cash Income Tax Paid (Refund)	62.5L	67.4L	1Cr	34.62L	18.54L
Net Debt Issued / Repaid	-8.71Cr	-6.21Cr	11Cr	-7.29Cr	-15Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	1.1	1.39	1.1	0.75	0.19
Return On Equity %	9.53	13.25	11.62	8.35	2.1
Return on Common Equity	9.53	13.25	11.62	8.35	2.1
Shareholders Value Added	-69.93L	45.9L	-9L	-1.07Cr	-2.52Cr
Margin Analysis
SG&A Margin	51.13	41.74	49.78	55.61	62.62
Net Interest Income / Total Revenues %	89.62	77.99	88.62	86.48	100.69
EBT Excl. Non-Recurring Items Margin %	38.38	49.31	41.99	34.21	21.41
Income From Continuing Operations Margin %	32.97	40.1	35.25	27.29	7.38
Net Income Margin %	32.97	40.1	35.25	27.29	7.38
Net Avail. For Common Margin %	32.97	40.1	35.25	27.29	7.38
Normalized Net Income Margin	23.99	30.82	26.24	21.38	13.38
Asset quality
Nonperforming Loans / Total Loans %	0.45	0.19	0.15	0.17	0.57
Nonperforming Loans / Total Assets %	0.34	0.13	0.12	0.13	0.45
Nonperforming Assets / Total Assets %	0.36	0.15	0.12	0.13	0.45
NPAs / Loans and OREO	0.48	0.21	0.15	0.17	0.58
NPAs / Equity	3.31	1.46	1.31	1.45	4.9
Allowance for Credit Losses / Net Charge-offs %	1T	3.99T	5.95T	765.56	3.83T
Allowance for Credit Losses / Nonperforming Loans %	277.04	634.54	664.54	442.5	181.97
Allowance for Credit Losses / Total Loans %	1.26	1.22	1.01	0.77	1.05
Net Charge-offs / Total Average Loans %	0.13	0.03	0.02	0.1	0.03
Provision for Loan Losses / Net Charge-offs %	270.76	246.13	-97.19	19.79	1.75T
Earning Assets / IBL	138.27	140.98	140.25	133.92	127.63
Interest Income / Average Assets	3.49	3.06	3.26	4.07	4.71
Interest Expense / Average Assets	0.53	0.31	0.46	1.71	2.12
Net Interest Income / Average Assets	2.96	2.75	2.8	2.36	2.58
Non Interest Income / Average Assets	0.62	0.83	0.35	0.38	0.41
Non Interest Expense / Average Asset	2.03	1.79	1.84	1.79	2.01
Capital And Funding
Total Average Common Equity / Total Average Assets %	11.49	10.51	9.47	8.99	9.16
Total Average Equity / Total Average Assets %	11.49	10.51	9.47	8.99	9.16
Total Equity + Allowance for Loan Losses / Total Loans %	15.8	15.82	12.56	12.71	12.79
Gross Loans / Total Deposits %	89.37	78.6	89.61	86.92	90.63
Net Loans / Total Deposits %	88.25	77.64	88.71	86.24	89.66
Tier 1 Capital Ratio %	12.16	12.32	11.13	12.1	10.41
Total Capital Ratio %	15.1	13.56	12.13	14.16	12.34
Core Tier 1 Capital Ratio	12.16	12.32	11.13	12.1	10.16
Coverage Ratio	276.03	630.59	661.5	461.92	188.49
Leverage Ratio %	9.28	9.16	9.03	8.5	7.97
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	14.22	26.34	16.36	8.17	2.12
EBT + Interest Expense / Interest Expense	3.39	6.68	3.91	1.52	1.09
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	5.68	6.06	13.13	-9.39	33.7
Non Interest Income, 1 Yr. Growth %	10.07	54.04	-53.8	19.32	29.74
Provision For Loan Losses, 1 Yr. Growth %	21.31	-76.35	-125.66	-226.06	3.28T
Total Revenues, 1 Yr. Growth %	5.34	21.87	-0.44	-7.15	14.83
Earnings From Cont. Operations, 1 Yr. Growth %	14.06	48.26	-12.48	-28.12	-68.96
Net Income, 1 Yr. Growth %	14.06	48.26	-12.48	-28.12	-68.96
Normalized Net Income, 1 Yr. Growth %	18.29	56.6	-15.23	-24.36	-28.12
Diluted EPS Before Extra, 1 Yr. Growth %	15.27	50.5	-12.29	-27.46	-74.15
Dividend Per Share, 1 Yr. Growth %	5.11	4.17	5.33	3.8	25.3
Gross Loans, 1 Yr. Growth %	12.37	6.94	17.21	4.39	40.15
Allowance For Loan Losses, 1 Yr. Growth %	20.58	3.8	-3.21	-20.3	90.8
Net Loans, 1 Yr. Growth %	12.27	6.98	17.47	4.64	39.74
Non Performing Loans, 1 Yr. Growth %	-2.05	-54.68	-7.58	19.69	363.97
Non Performing Assets, 1 Yr. Growth %	-0.24	-52.76	-16.67	19.69	364.51
Total Assets, 1 Yr. Growth %	16.5	16.84	5.46	5.31	36.06
Total Deposits, 1 Yr Growth %	23.62	21.59	2.81	7.63	34.42
Tangible Book Value, 1 Yr. Growth %	7.89	9.4	-8.84	10	29.49
Average Interest Earning Assets, 1 Yr. Growth %	15.81	15.31	12.37	8.14	19.06
Average Interest Bearing Liabilities, 1 Yr. Growth %	12.77	13.09	12.95	13.25	24.92
Common Equity, 1 Yr. Growth %	5.98	7.34	-7.28	7.95	37.76
Total Equity, 1 Yr. Growth %	5.98	7.34	-7.28	7.95	37.76
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	5.76	5.87	9.54	1.24	10.06
Non Interest Income, 2 Yr. CAGR %	10.38	30.21	-15.63	-25.75	24.42
Provision For Loan Losses, 2 Yr. CAGR %	32.74	-46.44	-75.37	-43.13	552.75
Total Revenues, 2 Yr. CAGR %	4.98	13.3	10.15	-3.85	3.26
Earnings From Cont. Operations, 2 Yr. CAGR %	8.53	30.04	13.91	-20.68	-52.77
Net Income, 2 Yr. CAGR %	8.53	30.04	13.91	-20.68	-52.77
Normalized Net Income, 2 Yr. CAGR %	9.87	36.1	15.22	-19.92	-26.26
Diluted EPS Before Extra, 2 Yr. CAGR %	8.97	31.71	14.89	-20.24	-56.7
Dividend Per Share, 2 Yr. CAGR %	4.84	4.64	4.75	4.56	14.05
Gross Loans, 2 Yr. CAGR %	9.3	9.62	11.96	10.62	20.95
Allowance For Loan Losses, 2 Yr. CAGR %	13.09	11.88	0.23	-12.17	23.32
Net Loans, 2 Yr. CAGR %	9.25	9.59	12.1	10.87	20.92
Non Performing Loans, 2 Yr. CAGR %	1.44	-33.38	-35.28	5.18	135.65
Non Performing Assets, 2 Yr. CAGR %	2.64	-31.35	-37.26	-0.13	135.79
Total Assets, 2 Yr. CAGR %	12.24	16.67	11.01	5.39	19.7
Total Deposits, 2 Yr CAGR %	14.01	22.6	11.81	5.19	20.28
Tangible Book Value, 2 Yr. CAGR %	8.9	8.64	-0.13	0.14	19.35
Average Interest Earning Assets, 2 Yr. CAGR %	10.72	15.56	13.83	10.23	13.47
Average Interest Bearing Liabilities, 2 Yr. CAGR %	7.98	12.93	13.02	13.1	18.94
Common Equity, 2 Yr. CAGR %	6.65	6.65	-0.24	0.04	21.95
Total Equity, 2 Yr. CAGR %	6.65	6.65	-0.24	0.04	21.95
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	6.78	5.86	8.24	2.82	11.08
Non Interest Income, 3 Yr. CAGR %	-1.07	23.35	-7.81	-5.3	-10.57
Provision For Loan Losses, 3 Yr. CAGR %	15.52	-25.31	-58.09	-57.55	121.94
Total Revenues, 3 Yr. CAGR %	4.54	10.33	8.52	4.06	2.01
Earnings From Cont. Operations, 3 Yr. CAGR %	16.73	20.42	13.96	-2.29	-41.98
Net Income, 3 Yr. CAGR %	16.73	20.42	13.96	-2.29	-41.98
Normalized Net Income, 3 Yr. CAGR %	8.66	23.65	16.23	0.14	-22.75
Diluted EPS Before Extra, 3 Yr. CAGR %	17.03	21.35	15.02	-1.44	-45.21
Dividend Per Share, 3 Yr. CAGR %	4.55	4.62	4.87	4.43	11.06
Gross Loans, 3 Yr. CAGR %	8.76	8.51	12.1	9.38	19.7
Allowance For Loan Losses, 3 Yr. CAGR %	12.98	9.91	6.6	-7.14	13.75
Net Loans, 3 Yr. CAGR %	8.71	8.49	12.16	9.56	19.76
Non Performing Loans, 3 Yr. CAGR %	-4.39	-22.45	-25.7	-20.56	72.49
Non Performing Assets, 3 Yr. CAGR %	-3.2	-20.75	-26.77	-22.19	66.71
Total Assets, 3 Yr. CAGR %	9.96	13.76	12.81	9.07	14.75
Total Deposits, 3 Yr CAGR %	12.34	16.48	15.61	10.4	14.15
Tangible Book Value, 3 Yr. CAGR %	8.37	9.07	2.47	3.14	9.1
Average Interest Earning Assets, 3 Yr. CAGR %	10.19	12.23	14.48	11.9	13.1
Average Interest Bearing Liabilities, 3 Yr. CAGR %	8.3	9.66	12.94	13.1	16.91
Common Equity, 3 Yr. CAGR %	6.14	6.88	1.79	2.42	11.3
Total Equity, 3 Yr. CAGR %	6.14	6.88	1.79	2.42	11.3
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	6.96	6.51	7.87	3.99	8.96
Non Interest Income, 5 Yr. CAGR %	1.15	10.04	-7.17	0.68	3.93
Provision For Loan Losses, 5 Yr. CAGR %	14.87	-18.94	-37.74	-33.02	25.68
Total Revenues, 5 Yr. CAGR %	5.23	8.37	6.75	4.42	6.39
Earnings From Cont. Operations, 5 Yr. CAGR %	10.62	17.32	15.59	1.9	-19.88
Net Income, 5 Yr. CAGR %	10.62	17.32	15.59	1.9	-19.88
Normalized Net Income, 5 Yr. CAGR %	8.97	16.83	11.24	3.92	-3.11
Diluted EPS Before Extra, 5 Yr. CAGR %	11.15	17.86	16.17	2.6	-22.19
Dividend Per Share, 5 Yr. CAGR %	3.04	3.88	4.63	4.6	8.45
Gross Loans, 5 Yr. CAGR %	10.19	8.73	10.03	9.35	15.56
Allowance For Loan Losses, 5 Yr. CAGR %	16.08	12.2	7.7	0.48	13
Net Loans, 5 Yr. CAGR %	10.12	8.69	10.05	9.43	15.58
Non Performing Loans, 5 Yr. CAGR %	-3.02	-20.2	-18.21	-12.4	17.9
Non Performing Assets, 5 Yr. CAGR %	-3.37	-18.98	-18.61	-13.07	16.9
Total Assets, 5 Yr. CAGR %	9.65	11	10.38	10.33	15.52
Total Deposits, 5 Yr CAGR %	10.85	13.28	12.13	11.83	17.46
Tangible Book Value, 5 Yr. CAGR %	7.01	7.89	4.89	5.4	8.92
Average Interest Earning Assets, 5 Yr. CAGR %	9.61	10.72	11.63	11.43	14.08
Average Interest Bearing Liabilities, 5 Yr. CAGR %	8.91	9.17	10.16	11.02	15.3
Common Equity, 5 Yr. CAGR %	4.96	5.8	3.54	4.09	9.42
Total Equity, 5 Yr. CAGR %	4.96	5.8	3.54	4.09	9.42