Cash flow Regions Financial Corporation

Equities

RF

US7591EP1005

Banks

Market Closed - Nyse Other stock markets 01:30:02 14/03/2026 am IST			5-day change	1st Jan Change
25.00 ^USD	-1.26%		-7.54%	-7.75%

12/03	Regions Financial Corporation Presents at RBC Capital Markets Global Financial Institutions Conference 2026, Mar-11-2026 01:20 PM
03/03	Regions Financial Corporation Announces Executive Changes	CI

0e91af494f1e3b6.zh-BBcKHDQ5Kmo-XBndW6DpooocTMxoNQr6UCYXsfME.pXiwRKDWQFR5qLzZTUAni1Re1_9LBkNAAOekOsy4P5mqSLI1o7VFanmrtw

Published financial data: REGIONS FINANCIAL CORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	348.9Cr	412.4Cr	577.3Cr	577.1Cr	549.8Cr
Interest Income On Investments	59Cr	98Cr	112.4Cr	133.7Cr	157.5Cr
Interest Income, Total	408.1Cr	510.2Cr	689.7Cr	710.8Cr	707.3Cr
Interest On Deposits	6.4Cr	20Cr	125.5Cr	197.1Cr	176.6Cr
Total Interest On Borrowings	10Cr	12Cr	32Cr	32Cr	32Cr
Interest Expense, Total	17Cr	32Cr	157.7Cr	229Cr	208.2Cr
Net Interest Income	391.4Cr	478.6Cr	532Cr	481.8Cr	499.1Cr
Service Charges On Deposits	65Cr	64Cr	59Cr	61Cr	64Cr
Trust Income	28Cr	30Cr	31Cr	34Cr	36Cr
Total Mortgage Banking Activities	24Cr	16Cr	11Cr	15Cr	16Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	60L	-10L	-50L	-21Cr	-5.3Cr
Total Other Non Interest Income	134.8Cr	133.5Cr	124.5Cr	137.7Cr	143.3Cr
Non Interest Income, Total	252.2Cr	242.8Cr	225.4Cr	226.5Cr	253.5Cr
Revenues Before Provison For Loan Losses	643.6Cr	721.4Cr	757.4Cr	708.3Cr	752.6Cr
Provision For Loan Losses	-52Cr	27Cr	55Cr	49Cr	47Cr
Total Revenues	696Cr	694.3Cr	702.1Cr	659.6Cr	705.6Cr
Salaries And Other Employee Benefits	214.2Cr	225.8Cr	232.4Cr	245.6Cr	254.7Cr
Occupancy Expense	22Cr	21Cr	20Cr	19Cr	20Cr
Selling General & Admin Expenses, Total	62Cr	64Cr	67Cr	68Cr	69Cr
Total Other Non Interest Expense	73Cr	69Cr	106.7Cr	92Cr	88Cr
Non Interest Expense, Total	370.1Cr	380.2Cr	426.3Cr	423.9Cr	431.8Cr
EBT, Excl. Unusual Items	325.9Cr	314.1Cr	275.8Cr	235.7Cr	273.8Cr
Restructuring Charges	-1.1Cr	-30L	-3.8Cr	-30L	50L
Total Merger & Related Restructuring Charges	-1.5Cr	-26Cr	-	-	-
Insurance Settlements	-	-	-	-	-
Legal Settlements	-	-	-	-	-
Other Unusual Items	-1.8Cr	10L	-11Cr	-	-
EBT, Incl. Unusual Items	321.5Cr	287.6Cr	260.7Cr	235.4Cr	274.3Cr
Income Tax Expense	69Cr	63Cr	53Cr	46Cr	59Cr
Earnings From Continuing Operations	252.1Cr	224.5Cr	207.4Cr	189.3Cr	215.6Cr
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	252.1Cr	224.5Cr	207.4Cr	189.3Cr	215.6Cr
Net Income - (IS)	252.1Cr	224.5Cr	207.4Cr	189.3Cr	215.6Cr
Preferred Dividend and Other Adjustments	12Cr	9.9Cr	9.8Cr	12Cr	9.5Cr
Net Income to Common Incl Extra Items	240Cr	214.6Cr	197.6Cr	177.4Cr	206.1Cr
Net Income to Common Excl. Extra Items	240Cr	214.6Cr	197.6Cr	177.4Cr	206.1Cr
Per Share Items
Net EPS - Basic	2.51	2.3	2.11	1.94	2.31
Basic EPS - Continuing Operations	2.51	2.3	2.11	1.94	2.31
Basic Weighted Average Shares Outstanding	96Cr	94Cr	94Cr	92Cr	89Cr
Net EPS - Diluted	2.49	2.28	2.11	1.93	2.3
Diluted EPS - Continuing Operations	2.49	2.28	2.11	1.93	2.3
Diluted Weighted Average Shares Outstanding	96Cr	94Cr	94Cr	92Cr	90Cr
Normalized Basic EPS	2.13	2.1	1.84	1.61	1.92
Normalized Diluted EPS	2.12	2.08	1.84	1.6	1.91
Dividend Per Share	0.65	0.74	0.88	0.98	1.03
Payout Ratio	28.4	33.94	42.67	52.51	46.52
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	21.59	21.94	20.44	19.58	21.4
Current Domestic Taxes	53Cr	61Cr	50Cr	44Cr	51Cr
Total Current Taxes	53Cr	61Cr	50Cr	44Cr	51Cr
Deferred Domestic Taxes	16Cr	2.2Cr	3.2Cr	2.1Cr	7.8Cr
Total Deferred Taxes	16Cr	2.2Cr	3.2Cr	2.1Cr	7.8Cr
Normalized Net Income	203.69Cr	196.31Cr	172.38Cr	147.31Cr	171.12Cr
Non-Cash Pension Expense	-2.6Cr	-4.2Cr	1.7Cr	-70L	-1Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	5.7Cr	6Cr	6.1Cr	7.3Cr	6.9Cr
Total Stock-Based Compensation	5.7Cr	6Cr	6.1Cr	7.3Cr	6.9Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	135Cr	199.7Cr	263.5Cr	289.3Cr	311.2Cr
Investment Securities, Total	425.4Cr	516.9Cr	583.2Cr	566Cr	1.38TCr
Trading Asset Securities, Total	111.1Cr	260.9Cr	210.5Cr	181.6Cr	133.5Cr
Mortgage Backed Securities	2.68TCr	2.56TCr	2.55TCr	2.75TCr	2.99TCr
Total investments	3.21TCr	3.33TCr	3.35TCr	3.5TCr	4.51TCr
Gross Loans	8.78TCr	9.7TCr	9.84TCr	9.67TCr	9.56TCr
Allowance For Loan Losses	-147.9Cr	-146.4Cr	-157.6Cr	-161.3Cr	-155.6Cr
Net Loans	8.63TCr	9.55TCr	9.68TCr	9.51TCr	9.41TCr
Gross Property Plant And Equipment	518Cr	515.5Cr	516.2Cr	466Cr	462Cr
Accumulated Depreciation	-282.4Cr	-296.3Cr	-305.8Cr	-253.4Cr	-249.7Cr
Net Property Plant And Equipment	235.6Cr	219.2Cr	210.4Cr	212.6Cr	212.3Cr
Goodwill	574.4Cr	573.3Cr	573.3Cr	573.3Cr	573.3Cr
Other Intangibles, Total	30Cr	25Cr	20Cr	17Cr	14Cr
Investment in FHLB	1.6Cr	1.5Cr	1.8Cr	14Cr	10Cr
Loans Held For Sale	100.3Cr	35Cr	40Cr	59Cr	51Cr
Accrued Interest Receivable	32Cr	51Cr	61Cr	57Cr	57Cr
Restricted Cash	2.81TCr	923Cr	416.6Cr	781.9Cr	-
Other Real Estate Owned And Foreclosed	1Cr	1.3Cr	1.5Cr	1.4Cr	1.7Cr
Other Long-Term Assets, Total	533.3Cr	604.8Cr	604.8Cr	710.8Cr	735.5Cr
Total Assets	16TCr	16TCr	15TCr	16TCr	16TCr
Liabilities
Interest Bearing Deposits	8.01TCr	7.96TCr	8.54TCr	8.57TCr	8.9TCr
Institutional Deposits	57Cr	79Cr	-	280Cr	260Cr
Non-Interest Bearing Deposits	5.84TCr	5.13TCr	4.24TCr	3.91TCr	3.95TCr
Total Deposits	14TCr	13TCr	13TCr	13TCr	13TCr
Short-Term Borrowings	101.2Cr	337.8Cr	269.1Cr	305.1Cr	219.5Cr
Current Portion of Long-Term Debt	-	-	-	90Cr	-
Current Portion of Leases	9.7Cr	9.5Cr	9.2Cr	9.6Cr	9.1Cr
Long-Term Debt	240.7Cr	228.4Cr	233Cr	309.3Cr	313.4Cr
Federal Home Loan Bank Debt - Long-Term	-	-	-	200Cr	100Cr
Long-Term Leases	43Cr	46Cr	44Cr	43Cr	45Cr
Pension & Other Post Retirement Benefits	16Cr	13Cr	8.2Cr	7.4Cr	6.8Cr
Other Non Current Liabilities	143.6Cr	118.4Cr	127.5Cr	214.4Cr	164.7Cr
Total Liabilities	14TCr	14TCr	13TCr	14TCr	14TCr
Preferred Stock Redeemable	165.9Cr	165.9Cr	165.9Cr	171.5Cr	136.9Cr
Total Preferred Equity	165.9Cr	165.9Cr	165.9Cr	171.5Cr	136.9Cr
Common Stock, Total	1Cr	1Cr	1Cr	90L	90L
Additional Paid In Capital	1.22TCr	1.2TCr	1.18TCr	1.14TCr	1.04TCr
Retained Earnings	555Cr	700.4Cr	818.6Cr	906Cr	1.02TCr
Treasury Stock	-137.1Cr	-137.1Cr	-137.1Cr	-137.1Cr	-137.1Cr
Comprehensive Income and Other	29Cr	-334.3Cr	-281.2Cr	-292.8Cr	-153.5Cr
Total Common Equity	1.67TCr	1.43TCr	1.58TCr	1.62TCr	1.77TCr
Minority Interest	-	40L	6.4Cr	3.1Cr	6Cr
Total Equity	1.83TCr	1.6TCr	1.75TCr	1.79TCr	1.91TCr
Total Liabilities And Equity	16TCr	16TCr	15TCr	16TCr	16TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	94Cr	93Cr	92Cr	91Cr	86Cr
ECS Total Common Shares Outstanding	94Cr	93Cr	92Cr	91Cr	87Cr
Book Value / Share	17.69	15.29	17.1	17.79	20.38
Tangible Book Value	1.06TCr	830.6Cr	983.2Cr	1.03TCr	1.18TCr
Tangible Book Value Per Share	11.27	8.89	10.66	11.3	13.61
Tangible Book Value Per Share (As Reported)	-	-	-	-	-
Average Assets	15TCr	16TCr	15TCr	15TCr	16TCr
Average Loans	8.6TCr	9.29TCr	9.88TCr	9.76TCr	9.67TCr
Total Debt	394.8Cr	621.5Cr	555.6Cr	957.1Cr	686.8Cr
Deposits at Interest - Cash	2.81TCr	923Cr	416.6Cr	781.9Cr	779.5Cr
Federal Funds Sold	-	-	-	-	-
Debt Equivalent of Unfunded Proj. Benefit Obligation	-12Cr	-22Cr	-21Cr	-26Cr	-30Cr
Net Debt	148.7Cr	160.9Cr	82Cr	486.2Cr	-537.4Cr
Equity Method Investments, Total	14Cr	15Cr	19Cr	20Cr	22Cr
Full Time Employees	19.63T	20.07T	20.1T	19.64T	19.97T
Number Of Offices	1.3T	1.29T	1.27T	1.25T	1.25T
Assets on Operating Lease - Gross	8.3Cr	-	-	-	-
Assets on Operating Lease - Accumulated Depreciation	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	252.1Cr	224.5Cr	207.4Cr	189.3Cr	215.6Cr
Depreciation, Depletion & Amortization	37Cr	35Cr	24Cr	14Cr	8.4Cr
Total Depreciation, Depletion & Amortization	37Cr	35Cr	24Cr	14Cr	8.4Cr
Amortization of Deferred Charges, Total	-	-	-	-	-
Gain (Loss) on Sale of Loans & Receivables - (CF)	-27Cr	-3Cr	-4.5Cr	-4.9Cr	-8.4Cr
(Gain) Loss on Sale of Investments - (CF)	-30L	10L	50L	21Cr	5.3Cr
Provision for Credit Losses	-52Cr	27Cr	55Cr	49Cr	47Cr
Net (Increase) Decrease in Loans Originated / Sold - Operating	98Cr	59Cr	-5.6Cr	-19Cr	11Cr
Change in Trading Asset Securities	-	-	-	-	-
Changes in Accrued Interest Receivable	-23Cr	-224.2Cr	19Cr	-83Cr	25Cr
Change in Other Net Operating Assets (Collected)	-6.3Cr	196.8Cr	-77Cr	-20Cr	-98Cr
Other Operating Activities	25Cr	-5.5Cr	12Cr	13Cr	12Cr
Net Cash From Discontinued Operations	-	-	-	-	-
Cash from Operations	303Cr	310.2Cr	230.8Cr	159.8Cr	218.1Cr
Cash Acquisitions	-118.2Cr	-	-	-	-
Divestitures	-	-	-	-	-
Purchase / Sale of Intangible Assets	-7.2Cr	-29Cr	-16Cr	-15Cr	-3Cr
Investment in Marketable and Equity Securities, Total	-220.7Cr	-315.1Cr	44Cr	-128.1Cr	-195.6Cr
Net (Increase) Decrease in Loans Originated / Sold - Investing	69Cr	-940.8Cr	-169.6Cr	132.3Cr	72Cr
Other Investing Activities, Total	-9.3Cr	-9.4Cr	-19Cr	-16Cr	-15Cr
Cash from Investing	-286.5Cr	-1.29TCr	-160.7Cr	-26Cr	-141.8Cr
Short Term Debt Issued, Total	-	-	-	50Cr	25Cr
Long-Term Debt Issued, Total	65Cr	-	200Cr	374Cr	-
Total Debt Issued	65Cr	-	200Cr	424Cr	25Cr
Short Term Debt Repaid, Total	-10Cr	-	-	-	-
Long-Term Debt Repaid, Total	-177.9Cr	-	-200Cr	-10Cr	-190Cr
Total Debt Repaid	-188.1Cr	-	-200Cr	-10Cr	-190Cr
Repurchase of Common Stock	-49Cr	-25Cr	-29Cr	-38Cr	-109Cr
Issuance of Preferred Stock	40Cr	-	-	49Cr	-
Repurchase of Preferred Stock	-50Cr	-	-	-50Cr	-35Cr
Common Dividends Paid	-61Cr	-66Cr	-79Cr	-89Cr	-91Cr
Preferred Dividends Paid	-11Cr	-9.9Cr	-9.8Cr	-10Cr	-9.1Cr
Common & Preferred Stock Dividends Paid	-72Cr	-76Cr	-88Cr	-99Cr	-100.3Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	1.38TCr	-732.9Cr	-395.5Cr	-18Cr	352.5Cr
Other Financing Activities, Total	-1Cr	-	-	-	-
Cash from Financing	1.13TCr	-834.5Cr	-512.7Cr	257.5Cr	-57Cr
Net Change in Cash	1.15TCr	-1.82TCr	-442.6Cr	391.1Cr	20Cr
Supplemental Items
Cash Interest Paid	18Cr	30Cr	144.1Cr	221.9Cr	214.5Cr
Cash Income Tax Paid (Refund)	37Cr	34Cr	38Cr	6.4Cr	18Cr
Net Debt Issued / Repaid	-123.4Cr	-	0	414Cr	-165Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.62	1.41	1.35	1.22	1.36
Return On Equity %	13.84	13.1	12.4	10.69	11.65
Return on Common Equity	14.49	13.87	13.15	11.11	12.18
Shareholders Value Added	55Cr	55Cr	29Cr	-2.12Cr	12Cr
Margin Analysis
SG&A Margin	42.72	44.82	45.52	50.38	48.72
Net Interest Income / Total Revenues %	56.24	68.93	75.77	73.04	70.73
EBT Excl. Non-Recurring Items Margin %	46.82	45.24	39.28	35.73	38.8
Income From Continuing Operations Margin %	36.22	32.33	29.54	28.7	30.56
Net Income Margin %	36.22	32.33	29.54	28.7	30.56
Net Avail. For Common Margin %	34.48	30.91	28.14	26.9	29.21
Normalized Net Income Margin	29.27	28.27	24.55	22.33	24.25
Asset quality
Nonperforming Loans / Total Loans %	0.53	0.52	0.82	0.96	0.73
Nonperforming Loans / Total Assets %	0.28	0.32	0.53	0.59	0.44
Nonperforming Assets / Total Assets %	0.29	0.33	0.54	0.6	0.45
NPAs / Loans and OREO	0.54	0.53	0.84	0.97	0.75
NPAs / Equity	2.59	3.23	4.7	5.26	3.74
Allowance for Credit Losses / Net Charge-offs %	725	556.65	396.98	352.18	303.31
Allowance for Credit Losses / Nonperforming Loans %	318.75	291.05	195.05	173.81	222.92
Allowance for Credit Losses / Total Loans %	1.68	1.51	1.6	1.67	1.63
Net Charge-offs / Total Average Loans %	0.24	0.28	0.4	0.47	0.53
Provision for Loan Losses / Net Charge-offs %	-256.86	103.04	139.29	106.33	91.62
Earning Assets / IBL	178.54	174.39	161.01	150.13	145.95
Interest Income / Average Assets	2.65	3.2	4.51	4.62	4.48
Interest Expense / Average Assets	0.11	0.2	1.03	1.49	1.32
Net Interest Income / Average Assets	2.54	3	3.48	3.13	3.16
Non Interest Income / Average Assets	1.63	1.52	1.47	1.47	1.6
Non Interest Expense / Average Asset	2.4	2.39	2.79	2.75	2.73
Capital And Funding
Total Average Common Equity / Total Average Assets %	10.67	9.73	9.78	10.32	10.7
Total Average Equity / Total Average Assets %	11.74	10.77	10.88	11.44	11.71
Total Equity + Allowance for Loan Losses / Total Loans %	22.56	17.95	19.32	20.15	21.54
Gross Loans / Total Deposits %	63.12	73.64	76.99	75.8	72.93
Net Loans / Total Deposits %	62.06	72.52	75.75	74.54	71.75
Tier 1 Capital Ratio %	11.03	10.91	11.57	12.17	11.99
Total Capital Ratio %	12.74	12.54	13.35	14.06	13.89
Core Tier 1 Capital Ratio	9.57	9.6	10.26	10.8	10.89
Equity Tier 1 Capital Ratio	-	-	-	-	-
Coverage Ratio	-	-	-	-	-
Leverage Ratio %	8.08	8.9	9.72	9.88	9.68
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	32.21	25.17	9.1	8.38	9.68
EBT + Interest Expense / Interest Expense	20.25	10.1	2.65	2.03	2.32
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	0.51	22.28	11.16	-9.44	3.59
Non Interest Income, 1 Yr. Growth %	5.48	-3.73	-5.21	0.4	11.92
Provision For Loan Losses, 1 Yr. Growth %	-139.4	-151.72	104.06	-11.94	-3.49
Total Revenues, 1 Yr. Growth %	40.46	-0.24	1.86	-6.08	6.97
Earnings From Cont. Operations, 1 Yr. Growth %	130.44	-10.95	-7.62	-8.73	13.89
Net Income, 1 Yr. Growth %	130.44	-10.95	-7.62	-8.73	13.89
Normalized Net Income, 1 Yr. Growth %	132.29	-6.01	-8.28	-9.69	16.16
Diluted EPS Before Extra, 1 Yr. Growth %	141.75	-8.43	-7.46	-8.53	19.17
Dividend Per Share, 1 Yr. Growth %	4.84	13.85	18.92	11.36	5.1
Gross Loans, 1 Yr. Growth %	2.95	10.51	1.41	-1.68	-1.13
Allowance For Loan Losses, 1 Yr. Growth %	-31.75	-1.01	7.65	2.35	-3.53
Net Loans, 1 Yr. Growth %	3.86	10.71	1.32	-1.74	-1.09
Non Performing Loans, 1 Yr. Growth %	-38.22	8.41	60.64	14.85	-24.78
Non Performing Assets, 1 Yr. Growth %	-38.92	8.86	59.5	14.46	-24.1
Total Assets, 1 Yr. Growth %	10.55	-4.74	-1.95	3.36	0.96
Total Deposits, 1 Yr Growth %	13.55	-5.27	-3	-0.14	2.76
Tangible Book Value, 1 Yr. Growth %	-4.71	-21.77	18.37	4.37	15
Average Interest Earning Assets, 1 Yr. Growth %	13.11	3.79	-4.25	-0.28	1.42
Average Interest Bearing Liabilities, 1 Yr. Growth %	5.21	6.26	3.7	6.95	4.33
Common Equity, 1 Yr. Growth %	1.29	-14.27	10.37	2.5	9.34
Total Equity, 1 Yr. Growth %	1.19	-12.96	9.67	2.38	6.66
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	2.23	10.86	16.59	0.33	-3.14
Non Interest Income, 2 Yr. CAGR %	9.2	0.77	-5.46	-2.43	6
Provision For Loan Losses, 2 Yr. CAGR %	16.36	-54.86	2.73	34.05	-7.81
Total Revenues, 2 Yr. CAGR %	12.77	18.37	0.44	-2.19	0.23
Earnings From Cont. Operations, 2 Yr. CAGR %	26.24	43.25	-9.3	-8.17	1.96
Net Income, 2 Yr. CAGR %	26.24	43.25	-9.3	-8.17	1.96
Normalized Net Income, 2 Yr. CAGR %	26.71	45.44	-8.01	-8.72	2.42
Diluted EPS Before Extra, 2 Yr. CAGR %	28.84	48.78	-7.95	-8	4.41
Dividend Per Share, 2 Yr. CAGR %	4.96	9.25	16.35	15.08	8.19
Gross Loans, 2 Yr. CAGR %	2.86	6.66	5.86	-0.15	-1.4
Allowance For Loan Losses, 2 Yr. CAGR %	30.46	-17.81	3.23	4.97	-0.64
Net Loans, 2 Yr. CAGR %	2.53	7.23	5.91	-0.23	-1.42
Non Performing Loans, 2 Yr. CAGR %	-5.54	-18.16	31.96	35.83	-7.06
Non Performing Assets, 2 Yr. CAGR %	-9.44	-18.46	31.77	35.11	-6.79
Total Assets, 2 Yr. CAGR %	13.61	2.62	-3.35	0.67	2.15
Total Deposits, 2 Yr CAGR %	19.45	3.71	-4.14	-1.58	1.3
Tangible Book Value, 2 Yr. CAGR %	2.86	-13.66	-3.77	11.15	9.56
Average Interest Earning Assets, 2 Yr. CAGR %	12.21	8.35	-0.31	-2.29	0.57
Average Interest Bearing Liabilities, 2 Yr. CAGR %	3.23	5.73	4.97	5.31	5.63
Common Equity, 2 Yr. CAGR %	5.46	-6.82	-2.73	6.36	5.86
Total Equity, 2 Yr. CAGR %	6.05	-6.15	-2.3	5.96	4.5
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	1.57	8.52	10.96	7.17	1.41
Non Interest Income, 3 Yr. CAGR %	7.84	4.71	-1.95	-3.52	2.14
Provision For Loan Losses, 3 Yr. CAGR %	31.77	-11.2	-25.36	-2.41	20.15
Total Revenues, 3 Yr. CAGR %	8.05	8.25	12.32	-1.77	0.78
Earnings From Cont. Operations, 3 Yr. CAGR %	17.15	12.38	23.76	-9.11	-1.34
Net Income, 3 Yr. CAGR %	12.75	12.38	23.76	-9.11	-1.34
Normalized Net Income, 3 Yr. CAGR %	17.3	15.66	22.92	-10.24	-1.08
Diluted EPS Before Extra, 3 Yr. CAGR %	22.34	14.98	27	-8.14	0.29
Dividend Per Share, 3 Yr. CAGR %	12.22	7.84	12.38	14.67	11.65
Gross Loans, 3 Yr. CAGR %	1.82	5.35	4.88	3.29	-0.47
Allowance For Loan Losses, 3 Yr. CAGR %	20.75	18.99	-10.07	2.93	2.05
Net Loans, 3 Yr. CAGR %	1.59	5.19	5.22	3.29	-0.51
Non Performing Loans, 3 Yr. CAGR %	-2.85	-1.1	2.47	25.99	11.54
Non Performing Assets, 3 Yr. CAGR %	-5.74	-3.71	1.98	25.73	11.49
Total Assets, 3 Yr. CAGR %	9.04	7.13	1.08	-1.17	0.77
Total Deposits, 3 Yr CAGR %	13.75	10.56	1.42	-2.83	-0.16
Tangible Book Value, 3 Yr. CAGR %	4.42	-6.11	-4.09	-1.13	12.42
Average Interest Earning Assets, 3 Yr. CAGR %	8.38	9.33	3.97	-0.3	-1.06
Average Interest Bearing Liabilities, 3 Yr. CAGR %	3.37	4.23	5.05	5.63	4.98
Common Equity, 3 Yr. CAGR %	5.31	-1.58	-1.41	-1.02	7.35
Total Equity, 3 Yr. CAGR %	6.69	-0.71	-1.15	-0.76	6.2
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	2.26	5.78	7.33	5.17	5.09
Non Interest Income, 5 Yr. CAGR %	5.25	4.36	2.31	1.38	1.18
Provision For Loan Losses, 5 Yr. CAGR %	14.87	12.56	19.28	4.7	-18.78
Total Revenues, 5 Yr. CAGR %	6.04	5.06	4.94	3.8	7.33
Earnings From Cont. Operations, 5 Yr. CAGR %	16.92	12.59	5.75	3.65	14.53
Net Income, 5 Yr. CAGR %	16.73	12.19	3.35	3.65	14.53
Normalized Net Income, 5 Yr. CAGR %	13.91	10.68	6.44	3.03	13.02
Diluted EPS Before Extra, 5 Yr. CAGR %	23.69	18.4	9.18	5.17	17.43
Dividend Per Share, 5 Yr. CAGR %	20.58	18.63	13.85	10.68	10.69
Gross Loans, 5 Yr. CAGR %	1.85	3.94	3.42	3.12	2.32
Allowance For Loan Losses, 5 Yr. CAGR %	6.27	9.41	13.41	13.17	-6.41
Net Loans, 5 Yr. CAGR %	1.78	3.87	3.3	2.99	2.51
Non Performing Loans, 5 Yr. CAGR %	-14.37	-5.49	9.81	12.28	-1.45
Non Performing Assets, 5 Yr. CAGR %	-15.47	-6.96	7.77	10.26	-1.62
Total Assets, 5 Yr. CAGR %	5.28	4.54	3.9	4.5	1.5
Total Deposits, 5 Yr CAGR %	7.03	6.34	6.22	5.53	1.37
Tangible Book Value, 5 Yr. CAGR %	-0.19	-4.2	1.06	0.45	1.15
Average Interest Earning Assets, 5 Yr. CAGR %	4.56	5.66	4.81	4.53	2.6
Average Interest Bearing Liabilities, 5 Yr. CAGR %	1.9	3.77	4.01	4.66	5.28
Common Equity, 5 Yr. CAGR %	1.02	-1.45	2.02	1.53	1.44
Total Equity, 5 Yr. CAGR %	1.92	-0.3	3	1.91	1.07