Income Statement Qingdao Rural Commercial Bank Co., Ltd.

Stocks

002958

CNE100003JQ6

Banks

End-of-day quote Shenzhen S.E. Other stock markets 02/07/2026			5-day change	1st Jan Change
2.800 ^CNY	+1.08%		0.00%	-9.68%

06/06	Qingdao Rural Commercial Bank Co., Ltd. Proposes Cash Dividend for 2025	CI
28/04	Qingdao Rural Commercial Bank Q1 net profit up 5.6% Y/Y	RE

1c.Acv8khp7_3R_8mTlEAPvwu7fXuxJEkTIozFuj-egisc.bKDPy3tDmRwztTKGQVnCromuCI4NIjK99WYg4b_i27NGmqX0QBONQAWtUA

Published financial data: QINGDAO RURAL COMMERCIAL BANK CO., LTD.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	1.66TCr	1.66TCr	1.65TCr	1.6TCr	1.51TCr
Interest Income, Total	1.66TCr	1.66TCr	1.65TCr	1.6TCr	1.51TCr
Interest On Deposits	857.51Cr	874.95Cr	911.02Cr	877.45Cr	776.59Cr
Interest Expense, Total	857.51Cr	874.95Cr	911.02Cr	877.45Cr	776.59Cr
Net Interest Income	804.82Cr	783.91Cr	735.56Cr	722.07Cr	736.16Cr
Gain (Loss) on Sale of Assets	-17.26L	23.47L	2.71Cr	7.68Cr	4.1Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	12Cr	-68.08L	-12Cr	10Cr	116.84Cr
Total Other Non Interest Income	200.01Cr	195.37Cr	278.52Cr	351.73Cr	139.54Cr
Non Interest Income, Total	211.99Cr	194.92Cr	268.94Cr	369.7Cr	260.48Cr
Revenues Before Provison For Loan Losses	1.02TCr	978.83Cr	1TCr	1.09TCr	996.64Cr
Provision For Loan Losses	375.46Cr	470.01Cr	466.18Cr	511.31Cr	327.51Cr
Total Revenues	641.36Cr	508.82Cr	538.32Cr	580.46Cr	669.13Cr
Selling General & Admin Expenses, Total	300.91Cr	301.74Cr	327.36Cr	339.13Cr	365.66Cr
(Income) Loss on Real Estate Property	-	-	-	-1.3Cr	-
Total Other Non Interest Expense	11Cr	11Cr	11Cr	12Cr	13Cr
Non Interest Expense, Total	312.15Cr	312.35Cr	338.71Cr	350.32Cr	379.1Cr
EBT, Excl. Unusual Items	329.21Cr	196.47Cr	199.61Cr	230.14Cr	290.03Cr
Asset Writedown	-5.6Cr	-1.6Cr	-4.02Cr	-	-
Legal Settlements	-	-	-	-	-
Other Unusual Items	7.73Cr	12Cr	27Cr	19Cr	11Cr
EBT, Incl. Unusual Items	331.34Cr	206.97Cr	222.59Cr	248.85Cr	301.51Cr
Income Tax Expense	22Cr	-28Cr	-38Cr	-36Cr	-12Cr
Earnings From Continuing Operations	309.21Cr	234.64Cr	260.29Cr	284.93Cr	313.91Cr
Net Income to Company	309.21Cr	234.64Cr	260.29Cr	284.93Cr	313.91Cr
Minority Interest	-2.65Cr	-2.93Cr	-3.51Cr	71.69L	-1.09Cr
Net Income - (IS)	306.55Cr	231.71Cr	256.78Cr	285.65Cr	312.82Cr
Preferred Dividend and Other Adjustments	9.6Cr	24Cr	24Cr	24Cr	24Cr
Net Income to Common Incl Extra Items	296.95Cr	207.61Cr	232.68Cr	261.55Cr	288.72Cr
Net Income to Common Excl. Extra Items	296.95Cr	207.61Cr	232.68Cr	261.55Cr	288.72Cr
Per Share Items
Net EPS - Basic	0.53	0.37	0.42	0.47	0.52
Basic EPS - Continuing Operations	0.53	0.37	0.42	0.47	0.52
Basic Weighted Average Shares Outstanding	555.56Cr	555.56Cr	555.56Cr	555.56Cr	555.56Cr
Net EPS - Diluted	0.48	0.33	0.37	0.41	0.45
Diluted EPS - Continuing Operations	0.48	0.33	0.37	0.41	0.45
Diluted Weighted Average Shares Outstanding	642.66Cr	671.3Cr	674.04Cr	674.04Cr	680.55Cr
Normalized Basic EPS	0.37	0.22	0.22	0.26	0.32
Normalized Diluted EPS	0.32	0.18	0.18	0.21	0.26
Dividend Per Share	0.1	-	0.1	0.12	0.12
Payout Ratio	30.11	34.41	10.32	99.07	80.48
Supplemental Items
Effective Tax Rate - (Ratio)	6.68	-13.37	-16.94	-14.5	-4.11
Total Current Taxes	100.81Cr	63Cr	45Cr	33Cr	28Cr
Total Deferred Taxes	-79Cr	-91Cr	-82Cr	-69Cr	-40Cr
Normalized Net Income	203.11Cr	119.86Cr	121.24Cr	144.55Cr	180.18Cr
Non-Cash Pension Expense	5.56Cr	4.95Cr	4.71Cr	6.43Cr	3.2Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	1.39TCr	1.33TCr	1.41TCr	1.94TCr	1.53TCr
Investment Securities, Total	15TCr	15TCr	17TCr	18TCr	17TCr
Trading Asset Securities, Total	695.42Cr	780.79Cr	401.66Cr	98Cr	700.92Cr
Total investments	16TCr	16TCr	17TCr	19TCr	18TCr
Gross Loans	24TCr	25TCr	26TCr	28TCr	29TCr
Allowance For Loan Losses	-936Cr	-1.09TCr	-1.1TCr	-1.2TCr	-1.26TCr
Net Loans	23TCr	24TCr	25TCr	26TCr	28TCr
Gross Property Plant And Equipment	651.13Cr	665.67Cr	669.38Cr	662.7Cr	651.74Cr
Accumulated Depreciation	-225.51Cr	-253.25Cr	-282.8Cr	-296.19Cr	-305.61Cr
Net Property Plant And Equipment	425.63Cr	412.42Cr	386.57Cr	366.51Cr	346.12Cr
Other Intangibles, Total	8.05Cr	7.95Cr	7.72Cr	7.11Cr	6.88Cr
Investment in Real Estate	71T	71T	19T	5T	5T
Accrued Interest Receivable	84Cr	108.77Cr	107.33Cr	100.18Cr	116.05Cr
Other Receivables	-	-	-	-	3.5Cr
Restricted Cash	1.73TCr	1.62TCr	1.54TCr	1.58TCr	1.6TCr
Other Current Assets, Total	-	-	-	-	-
Deferred Tax Assets Long-Term (Collected)	327Cr	421.49Cr	496.87Cr	548.33Cr	614.78Cr
Other Real Estate Owned And Foreclosed	-	-	-	-	8L
Deferred Charges Long-Term	-	-	-	-	-
Other Long-Term Assets, Total	41Cr	40Cr	41Cr	33Cr	26Cr
Total Assets	43TCr	43TCr	47TCr	50TCr	50TCr
Liabilities
Accrued Expenses, Total	86Cr	98Cr	121.28Cr	142.54Cr	175.29Cr
Interest Bearing Deposits	18TCr	19TCr	22TCr	24TCr	25TCr
Non-Interest Bearing Deposits	9.41TCr	9.13TCr	8.44TCr	8.48TCr	8.06TCr
Total Deposits	27TCr	29TCr	30TCr	32TCr	33TCr
Short-Term Borrowings	2.14TCr	1.63TCr	2.57TCr	3.63TCr	2.76TCr
Current Portion of Long-Term Debt	8.43TCr	7.84TCr	7.75TCr	6.67TCr	7.16TCr
Current Portion of Leases	7.78Cr	9.89Cr	9.43Cr	8.4Cr	2.34Cr
Long-Term Debt	970.74Cr	686.45Cr	1.2TCr	1.71TCr	894.28Cr
Long-Term Leases	16Cr	16Cr	12Cr	12Cr	16Cr
Current Income Taxes Payable	66Cr	33Cr	13Cr	6.11Cr	88.97L
Accrued Interest Payable	540.39Cr	654.17Cr	723.03Cr	725.68Cr	586.11Cr
Other Current Liabilities - (Bank / Utility Template)	32Cr	27Cr	97Cr	31Cr	615.18Cr
Unearned Revenue Non Current	28Cr	30Cr	29Cr	27Cr	23Cr
Pension & Other Post Retirement Benefits	101.54Cr	98Cr	95Cr	92Cr	85Cr
Other Non Current Liabilities	80Cr	104.01Cr	36Cr	69Cr	63Cr
Total Liabilities	40TCr	40TCr	43TCr	45TCr	46TCr
Common Stock, Total	555.56Cr	555.56Cr	555.56Cr	555.56Cr	555.56Cr
Additional Paid In Capital	381.82Cr	381.82Cr	381.82Cr	382.65Cr	371.6Cr
Retained Earnings	1.86TCr	2.02TCr	2.25TCr	2.46TCr	2.68TCr
Comprehensive Income and Other	614.19Cr	603.09Cr	624.02Cr	680.88Cr	902.72Cr
Total Common Equity	3.42TCr	3.56TCr	3.81TCr	4.07TCr	4.51TCr
Minority Interest	89Cr	91Cr	94Cr	36Cr	-
Total Equity	3.51TCr	3.65TCr	3.9TCr	4.11TCr	4.51TCr
Total Liabilities And Equity	43TCr	43TCr	47TCr	50TCr	50TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	555.56Cr	555.56Cr	555.56Cr	555.56Cr	555.56Cr
ECS Total Common Shares Outstanding	555.56Cr	555.56Cr	555.56Cr	555.56Cr	555.56Cr
Book Value / Share	6.15	6.4	6.86	6.44	6.68
Tangible Book Value	3.41TCr	3.55TCr	3.8TCr	4.07TCr	4.5TCr
Tangible Book Value Per Share	6.14	6.39	6.85	6.42	6.67
Average Loans	23TCr	24TCr	25TCr	26TCr	27TCr
Total Debt	12TCr	10TCr	12TCr	12TCr	11TCr
Deposits at Interest - Cash	1.31TCr	1.22TCr	1.28TCr	1.81TCr	1.43TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	97Cr	94Cr	92Cr	89Cr	83Cr
Net Debt	9.31TCr	7.52TCr	9.2TCr	8.58TCr	7.69TCr
Full Time Employees	5.12T	5.18T	5.5T	5.83T	6.02T
Number Of Offices	358	352	344	344	370

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	306.55Cr	231.71Cr	256.78Cr	285.65Cr	312.82Cr
Depreciation, Depletion & Amortization	41Cr	40Cr	41Cr	38Cr	37Cr
Amortization of Goodwill and Intangible Assets - (CF)	22.95L	23.24L	23.22L	22.48L	22.53L
Total Depreciation, Depletion & Amortization	41Cr	40Cr	42Cr	39Cr	38Cr
Amortization of Deferred Charges, Total	-	-	-	-	-
(Gain) Loss On Sale of Asset - (CF)	17.26L	-23.47L	-2.71Cr	-7.68Cr	-4.1Cr
(Gain) Loss on Sale of Investments - (CF)	26Cr	15Cr	-29Cr	-87Cr	91Cr
Total Asset Writedown	5.6Cr	1.6Cr	4.02Cr	-1.3Cr	-
Provision for Credit Losses	375.46Cr	470.01Cr	466.18Cr	511.31Cr	327.51Cr
Change In Deferred Taxes	-79Cr	-91Cr	-82Cr	-69Cr	-42Cr
Change in Other Net Operating Assets (Collected)	-330.24Cr	-194.52Cr	1.27TCr	347.37Cr	-1.41TCr
Other Operating Activities	-268.17Cr	-276.27Cr	-317.13Cr	-371.16Cr	-437.87Cr
Cash from Operations	78Cr	197.49Cr	1.6TCr	647.41Cr	-1.12TCr
Capital Expenditure	-34Cr	-25Cr	-12Cr	-12Cr	-8.84Cr
Sale of Property, Plant, and Equipment	1.33Cr	2.55Cr	3.71Cr	8.58Cr	4.66Cr
Investment in Marketable and Equity Securities, Total	-1.63TCr	358.71Cr	-2.09TCr	-353.11Cr	395.16Cr
Other Investing Activities, Total	500.8Cr	509.28Cr	508.76Cr	741.82Cr	662.73Cr
Cash from Investing	-1.16TCr	845.53Cr	-1.59TCr	384.87Cr	1.05TCr
Long-Term Debt Issued, Total	11TCr	7.68TCr	11TCr	12TCr	12TCr
Total Debt Issued	11TCr	7.68TCr	11TCr	12TCr	12TCr
Long-Term Debt Repaid, Total	-9.56TCr	-8.49TCr	-10TCr	-12TCr	-12TCr
Total Debt Repaid	-9.56TCr	-8.49TCr	-10TCr	-12TCr	-12TCr
Issuance of Common Stock	-	-	-	-	-
Common Dividends Paid	-92Cr	-80Cr	-26Cr	-282.98Cr	-251.74Cr
Common & Preferred Stock Dividends Paid	-92Cr	-80Cr	-26Cr	-282.98Cr	-251.74Cr
Other Financing Activities, Total	-212.21Cr	-216.71Cr	-178.94Cr	-6.97Cr	-12Cr
Cash from Financing	721.83Cr	-1.1TCr	74Cr	-509.47Cr	-321.8Cr
Foreign Exchange Rate Adjustments	-1.31Cr	4.31Cr	48.84L	1.96Cr	-3.54Cr
Net Change in Cash	-362.85Cr	-58Cr	87Cr	524.76Cr	-395.58Cr
Supplemental Items
Cash Interest Paid	716.29Cr	774.55Cr	822.68Cr	717.2Cr	778.56Cr
Cash Income Tax Paid (Refund)	170.7Cr	165.1Cr	131.07Cr	115.31Cr	125.09Cr
Net Debt Issued / Repaid	1.03TCr	-808.55Cr	279.52Cr	-219.53Cr	-58Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.74	0.54	0.58	0.59	0.63
Return On Equity %	9.55	6.56	6.89	7.11	7.28
Return on Common Equity	9.43	5.95	6.32	6.63	6.73
Shareholders Value Added	-71Cr	-186.48Cr	-185.09Cr	-187.27Cr	-201.98Cr
Margin Analysis
SG&A Margin	46.92	59.3	60.81	58.42	54.65
Net Interest Income / Total Revenues %	125.49	154.06	136.64	124.4	110.02
EBT Excl. Non-Recurring Items Margin %	51.33	38.61	37.08	39.65	43.34
Income From Continuing Operations Margin %	48.21	46.12	48.35	49.09	46.91
Net Income Margin %	47.8	45.54	47.7	49.21	46.75
Net Avail. For Common Margin %	46.3	40.8	43.22	45.06	43.15
Normalized Net Income Margin	31.67	23.56	22.52	24.9	26.93
Asset quality
Nonperforming Loans / Total Loans %	1.66	2.11	1.76	1.73	1.66
Nonperforming Loans / Total Assets %	0.94	1.21	0.99	0.97	0.97
Nonperforming Assets / Total Assets %	0.95	1.22	1	0.97	0.97
NPAs / Loans and OREO	1.68	2.13	1.78	1.73	1.66
NPAs / Equity	11.65	14.55	12.01	11.63	10.8
Allowance for Credit Losses / Net Charge-offs %	299.88	359.86	250.98	277.56	453.47
Allowance for Credit Losses / Nonperforming Loans %	231.82	207.67	237.29	250.08	259.43
Allowance for Credit Losses / Total Loans %	3.85	4.39	4.17	4.33	4.31
Net Charge-offs / Total Average Loans %	1.36	1.29	1.78	1.66	1.04
Provision for Loan Losses / Net Charge-offs %	120.29	154.84	106.22	118.7	117.61
Earning Assets / IBL	98.72	99.63	99.72	100.36	100.66
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.53	8.06	8.16	8.19	8.6
Total Average Equity / Total Average Assets %	7.73	8.27	8.37	8.32	8.64
Total Equity + Allowance for Loan Losses / Total Loans %	17.9	18.67	18.6	19.1	19.69
Gross Loans / Total Deposits %	89.91	87.06	87.39	85.54	87.79
Net Loans / Total Deposits %	86.45	83.25	83.74	81.84	84.01
Tier 1 Capital Ratio %	11.27	11.41	11.48	12.26	12.38
Total Capital Ratio %	13.07	13.18	13.21	13.96	14.06
Core Tier 1 Capital Ratio	9.62	9.77	9.91	10.7	10.07
Tier 2 Capital Ratio	1.8	1.76	1.73	1.7	1.68
Coverage Ratio	231.82	207.67	237.29	250.08	259.43
Interbank Ratio	73.49	81.29	72.76	108.48	132.95
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.39	1.24	1.24	1.28	1.39
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-0.46	-2.6	-6.17	-1.83	1.95
Non Interest Income, 1 Yr. Growth %	52.69	-8.05	37.97	37.47	-29.54
Provision For Loan Losses, 1 Yr. Growth %	6.32	25.18	-0.81	9.68	-35.95
Total Revenues, 1 Yr. Growth %	7.93	-20.67	5.8	7.83	15.28
Earnings From Cont. Operations, 1 Yr. Growth %	3.85	-24.11	10.93	9.46	10.17
Net Income, 1 Yr. Growth %	3.58	-24.41	10.82	11.24	9.51
Normalized Net Income, 1 Yr. Growth %	6.3	-40.99	1.15	21.74	24.65
Diluted EPS Before Extra, 1 Yr. Growth %	-6.1	-31.68	11.06	11.86	8.9
Dividend Per Share, 1 Yr. Growth %	-33.33	-	-	20	0
Gross Loans, 1 Yr. Growth %	10.46	2.47	6.04	4.5	6.19
Allowance For Loan Losses, 1 Yr. Growth %	7.03	16.7	0.83	8.55	5.62
Net Loans, 1 Yr. Growth %	10.6	1.9	6.27	4.32	6.22
Non Performing Loans, 1 Yr. Growth %	28.73	30.27	-11.75	3	1.81
Non Performing Assets, 1 Yr. Growth %	24.18	29.92	-11.65	1.96	1.82
Total Assets, 1 Yr. Growth %	5.81	1.01	7.62	5.79	1.57
Total Deposits, 1 Yr Growth %	6.08	5.82	5.64	6.75	3.46
Tangible Book Value, 1 Yr. Growth %	18.52	4.14	7.15	6.95	10.68
Average Interest Earning Assets, 1 Yr. Growth %	16.16	5.07	6.49	3.21	6.62
Average Interest Bearing Liabilities, 1 Yr. Growth %	13.45	4.11	6.4	2.55	6.3
Common Equity, 1 Yr. Growth %	18.45	4.13	7.13	6.92	10.66
Total Equity, 1 Yr. Growth %	18	4.09	7.03	5.28	9.68
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	6.54	-1.54	-4.4	-4.03	0.04
Non Interest Income, 2 Yr. CAGR %	15.42	18.49	12.63	37.72	-1.58
Provision For Loan Losses, 2 Yr. CAGR %	17.97	15.36	11.43	4.3	-16.18
Total Revenues, 2 Yr. CAGR %	3.53	-7.47	-8.38	6.81	11.49
Earnings From Cont. Operations, 2 Yr. CAGR %	4.21	-11.23	-8.25	10.2	9.82
Net Income, 2 Yr. CAGR %	4.17	-11.52	-8.48	11.03	10.37
Normalized Net Income, 2 Yr. CAGR %	0.53	-20.8	-22.74	9.82	23.18
Diluted EPS Before Extra, 2 Yr. CAGR %	-3.65	-19.9	-12.89	11.46	10.37
Dividend Per Share, 2 Yr. CAGR %	-18.35	-	0	-	9.54
Gross Loans, 2 Yr. CAGR %	16.05	6.39	4.24	5.26	5.34
Allowance For Loan Losses, 2 Yr. CAGR %	7.38	11.76	8.48	4.62	7.07
Net Loans, 2 Yr. CAGR %	16.45	6.16	4.06	5.29	5.26
Non Performing Loans, 2 Yr. CAGR %	24.25	29.5	7.22	-4.66	2.4
Non Performing Assets, 2 Yr. CAGR %	13.81	27.02	7.14	-5.09	1.89
Total Assets, 2 Yr. CAGR %	12.24	3.38	4.26	6.7	3.66
Total Deposits, 2 Yr CAGR %	11.26	5.95	5.73	6.2	5.1
Tangible Book Value, 2 Yr. CAGR %	18.36	11.1	5.63	7.05	8.8
Average Interest Earning Assets, 2 Yr. CAGR %	17.3	10.47	5.78	4.84	4.9
Average Interest Bearing Liabilities, 2 Yr. CAGR %	14.55	8.68	5.25	4.46	4.41
Common Equity, 2 Yr. CAGR %	18.29	11.06	5.62	7.02	8.77
Total Equity, 2 Yr. CAGR %	17.79	10.83	5.55	6.15	7.46
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	7.22	3.4	-3.1	-3.55	-2.07
Non Interest Income, 3 Yr. CAGR %	33.7	7	24.66	20.37	10.15
Provision For Loan Losses, 3 Yr. CAGR %	-	20.33	9.7	10.84	-11.34
Total Revenues, 3 Yr. CAGR %	-4.73	-5.26	-3.24	-3.27	9.56
Earnings From Cont. Operations, 3 Yr. CAGR %	8.15	-6.24	-4.38	-2.69	10.19
Net Income, 3 Yr. CAGR %	8.22	-6.39	-4.62	-2.33	10.52
Normalized Net Income, 3 Yr. CAGR %	-12.74	-15.82	-14.07	-10.72	14.55
Diluted EPS Before Extra, 3 Yr. CAGR %	0.19	-14.08	-10.68	-5.32	10.6
Dividend Per Share, 3 Yr. CAGR %	-12.64	-	-12.64	6.27	-
Gross Loans, 3 Yr. CAGR %	20.54	11.34	6.27	4.32	5.57
Allowance For Loan Losses, 3 Yr. CAGR %	14.61	10.4	7.99	8.5	4.95
Net Loans, 3 Yr. CAGR %	20.81	11.38	6.2	4.15	5.6
Non Performing Loans, 3 Yr. CAGR %	23.5	26.22	13.96	5.8	-2.55
Non Performing Assets, 3 Yr. CAGR %	15.18	18.95	12.54	5.39	-2.84
Total Assets, 3 Yr. CAGR %	13.53	8.37	4.78	4.77	4.96
Total Deposits, 3 Yr CAGR %	11.78	9.42	5.85	6.07	5.28
Tangible Book Value, 3 Yr. CAGR %	18.61	13.42	9.76	6.07	8.25
Average Interest Earning Assets, 3 Yr. CAGR %	12.56	13.07	9.13	4.92	5.43
Average Interest Bearing Liabilities, 3 Yr. CAGR %	16.6	10.96	7.91	4.34	5.07
Common Equity, 3 Yr. CAGR %	18.53	13.37	9.73	6.05	8.22
Total Equity, 3 Yr. CAGR %	17.98	13.03	9.55	5.46	7.32
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	8.14	6.25	2.41	0.36	-1.86
Non Interest Income, 5 Yr. CAGR %	40.43	50.39	24.84	18.36	13.41
Provision For Loan Losses, 5 Yr. CAGR %	24.79	34.33	-	13.64	-1.5
Total Revenues, 5 Yr. CAGR %	6.92	0.48	-6.21	-0.61	2.4
Earnings From Cont. Operations, 5 Yr. CAGR %	10.19	1.86	1.27	0.01	1.06
Net Income, 5 Yr. CAGR %	9.74	1.64	1.2	0.22	1.11
Normalized Net Income, 5 Yr. CAGR %	5.35	-6.75	-16.89	-6.38	-1.17
Diluted EPS Before Extra, 5 Yr. CAGR %	4.61	-5.05	-5.26	-4.65	-2.79
Dividend Per Share, 5 Yr. CAGR %	-	-	-7.79	-4.36	-4.36
Gross Loans, 5 Yr. CAGR %	19.19	17.24	13.74	8.87	5.9
Allowance For Loan Losses, 5 Yr. CAGR %	12.18	13.94	12.12	8.05	7.62
Net Loans, 5 Yr. CAGR %	19.53	17.41	13.81	8.9	5.82
Non Performing Loans, 5 Yr. CAGR %	14.75	20.27	16.71	12.82	9.19
Non Performing Assets, 5 Yr. CAGR %	11.2	16.22	11.89	8.68	8.16
Total Assets, 5 Yr. CAGR %	15.71	11.61	9.73	7.7	4.33
Total Deposits, 5 Yr CAGR %	11.53	10.02	9.32	8.12	5.55
Tangible Book Value, 5 Yr. CAGR %	18.03	15.82	13.24	10.83	9.38
Average Interest Earning Assets, 5 Yr. CAGR %	-	11.99	9.8	9.7	7.42
Average Interest Bearing Liabilities, 5 Yr. CAGR %	-	14.33	11.92	8.31	6.5
Common Equity, 5 Yr. CAGR %	17.98	15.76	13.19	10.79	9.35
Total Equity, 5 Yr. CAGR %	17.35	15.28	12.84	10.23	8.71