Income Statement Royal Bank of Canada

Equities

RY

CA7800871021

Banks

Market Closed - Toronto S.E. Other stock markets 01:47:30 18/07/2025 am IST			5-day change	1st Jan Change
182.78 ^CAD	+1.19%		+0.25%	+5.46%

16/07	NexPoint Residential Trust, Inc. Completes Refinancing of Corporate Credit Facility	CI
16/07	NexPoint Closes Refinanced Credit Facility With Improved Terms	MT

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Published financial data: ROYAL BANK OF CANADA

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: October	2020	2021	2022	2023	2024
Interest Income On Loans	2.34TCr	2.17TCr	2.66TCr	4.35TCr	5.4TCr
Interest Income On Investments	1.15TCr	649.1Cr	1.42TCr	4.35TCr	5.09TCr
Interest Income, Total	3.49TCr	2.81TCr	4.08TCr	8.7TCr	10TCr
Interest On Deposits	878.3Cr	544.8Cr	1.08TCr	3.67TCr	4.73TCr
Total Interest On Borrowings	526.5Cr	269.5Cr	730.3Cr	2.52TCr	2.97TCr
Interest Expense, Total	1.4TCr	814.3Cr	1.81TCr	6.19TCr	7.7TCr
Net Interest Income	2.08TCr	2TCr	2.27TCr	2.51TCr	2.8TCr
Trust Income	610.1Cr	713.2Cr	761Cr	834.4Cr	932.5Cr
Income From Trading Activities	123.9Cr	118.3Cr	93Cr	239.2Cr	232.7Cr
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	9Cr	14Cr	4.3Cr	19Cr	17Cr
Income (Loss) on Equity Invest. (Income Block)	7.7Cr	13Cr	11Cr	-22Cr	-1.6Cr
Total Other Non Interest Income	1.88TCr	2.11TCr	1.76TCr	2.03TCr	1.76TCr
Non Interest Income, Total	2.63TCr	2.97TCr	2.63TCr	3.1TCr	2.94TCr
Revenues Before Provison For Loan Losses	4.72TCr	4.97TCr	4.9TCr	5.61TCr	5.73TCr
Provision For Loan Losses	435.1Cr	-75Cr	48Cr	246.8Cr	323.2Cr
Total Revenues	4.28TCr	5.04TCr	4.85TCr	5.37TCr	5.41TCr
Salaries And Other Employee Benefits	1.47TCr	1.44TCr	1.61TCr	1.82TCr	1.81TCr
Amort. of Goodwill & Intang. Assets	127.3Cr	128.7Cr	136.9Cr	148.7Cr	154.9Cr
Selling General & Admin Expenses, Total	645.6Cr	797.3Cr	670.7Cr	825.6Cr	1.12TCr
Total Other Non Interest Expense	603Cr	613.7Cr	424.9Cr	722.8Cr	338.2Cr
Non Interest Expense, Total	2.84TCr	2.98TCr	2.84TCr	3.52TCr	3.42TCr
EBT, Excl. Unusual Items	1.44TCr	2.06TCr	2.01TCr	1.85TCr	1.99TCr
EBT, Incl. Unusual Items	1.44TCr	2.06TCr	2.01TCr	1.85TCr	1.99TCr
Income Tax Expense	295.2Cr	458.1Cr	430.2Cr	360Cr	362.2Cr
Earnings From Continuing Operations	1.14TCr	1.6TCr	1.58TCr	1.49TCr	1.62TCr
Net Income to Company	1.14TCr	1.6TCr	1.58TCr	1.49TCr	1.62TCr
Minority Interest	-50L	-1.2Cr	-1.3Cr	-70L	-1Cr
Net Income - (IS)	1.14TCr	1.6TCr	1.58TCr	1.49TCr	1.62TCr
Preferred Dividend and Other Adjustments	27Cr	26Cr	25Cr	24Cr	32Cr
Net Income to Common Incl Extra Items	1.12TCr	1.58TCr	1.55TCr	1.46TCr	1.59TCr
Net Income to Common Excl. Extra Items	1.12TCr	1.58TCr	1.55TCr	1.46TCr	1.59TCr
Per Share Items
Net EPS - Basic	7.84	11.08	11.08	10.51	11.27
Basic EPS - Continuing Operations	7.84	11.08	11.08	10.51	11.27
Basic Weighted Average Shares Outstanding	142.39Cr	142.43Cr	140.37Cr	139.1Cr	141.19Cr
Net EPS - Diluted	7.82	11.06	11.06	10.5	11.25
Diluted EPS - Continuing Operations	7.82	11.06	11.06	10.5	11.25
Diluted Weighted Average Shares Outstanding	142.88Cr	142.67Cr	140.6Cr	139.25Cr	141.38Cr
Normalized Basic EPS	6.31	9.04	8.94	8.29	8.79
Normalized Diluted EPS	6.29	9.03	8.93	8.28	8.77
Dividend Per Share	4.29	4.32	4.96	5.34	5.6
Payout Ratio	55.4	40.03	44.07	37.34	40.89
Supplemental Items
Effective Tax Rate - (Ratio)	20.52	22.2	21.39	19.5	18.24
Total Current Taxes	354.2Cr	478.5Cr	392.1Cr	483.2Cr	512.3Cr
Total Deferred Taxes	-59Cr	-20Cr	38Cr	-123.2Cr	-150.1Cr
Normalized Net Income	898.81Cr	1.29TCr	1.26TCr	1.15TCr	1.24TCr
Non-Cash Pension Expense	2.8Cr	2.2Cr	-7.4Cr	-15Cr	-13Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	57Cr	212.1Cr	46Cr	75Cr	295Cr
Total Stock-Based Compensation	57Cr	212.1Cr	46Cr	75Cr	295Cr

Fiscal Period: October	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	12TCr	11TCr	7.04TCr	5.9TCr	5.47TCr
Investment Securities, Total	49TCr	53TCr	59TCr	63TCr	67TCr
Trading Asset Securities, Total	21TCr	19TCr	25TCr	24TCr	34TCr
Mortgage Backed Securities	237Cr	274.7Cr	288.8Cr	270.1Cr	263.4Cr
Total investments	70TCr	72TCr	84TCr	87TCr	1,01800Cr
Gross Loans	67TCr	72TCr	82TCr	86TCr	99TCr
Allowance For Loan Losses	-563.9Cr	-408.9Cr	-375.3Cr	-500.4Cr	-603.7Cr
Net Loans	66TCr	72TCr	82TCr	85TCr	98TCr
Gross Property Plant And Equipment	1.47TCr	1.51TCr	1.24TCr	1.28TCr	1.39TCr
Accumulated Depreciation	-671.8Cr	-767.7Cr	-520.5Cr	-608.5Cr	-707.7Cr
Net Property Plant And Equipment	793.4Cr	742.4Cr	721.4Cr	674.9Cr	685.2Cr
Goodwill	1.13TCr	1.09TCr	1.23TCr	1.26TCr	1.93TCr
Other Intangibles, Total	475.2Cr	447.1Cr	608.3Cr	590.7Cr	779.8Cr
Accrued Interest Receivable	236.2Cr	219.5Cr	470.3Cr	777.5Cr	790.4Cr
Other Receivables	1.22TCr	1.33TCr	1.45TCr	2.15TCr	2.18TCr
Restricted Cash	2.06TCr	1.65TCr	2.76TCr	2.31TCr	2.25TCr
Other Current Assets, Total	7.92TCr	8.95TCr	9.72TCr	14TCr	1.72TCr
Deferred Tax Assets Long-Term (Collected)	257.9Cr	201.1Cr	147.2Cr	244.6Cr	432.8Cr
Other Long-Term Assets, Total	777.8Cr	1.1TCr	1.18TCr	672.6Cr	935.4Cr
Total Assets	1,62500Cr	1,70600Cr	1,91700Cr	2,00500Cr	2,17200Cr
Liabilities
Accounts Payable, Total	150Cr	186.7Cr	129.2Cr	159.9Cr	147.5Cr
Accrued Expenses, Total	1.26TCr	1.58TCr	2TCr	1.72TCr	2.01TCr
Interest Bearing Deposits	44TCr	46TCr	47TCr	1,04400Cr	54TCr
Institutional Deposits	39TCr	42TCr	52TCr	-	67TCr
Non-Interest Bearing Deposits	18TCr	22TCr	22TCr	19TCr	20TCr
Total Deposits	1,01200Cr	1,10100Cr	1,20900Cr	1,23200Cr	1,41000Cr
Short-Term Borrowings	835.4Cr	791.6Cr	1.96TCr	1.62TCr	1.4TCr
Current Portion of Long-Term Debt	27TCr	26TCr	27TCr	33TCr	30TCr
Current Portion of Leases	63Cr	63Cr	65Cr	65Cr	71Cr
Long-Term Debt	12TCr	10TCr	16TCr	15TCr	18TCr
Long-Term Leases	472.4Cr	444.6Cr	445.6Cr	411.1Cr	396.4Cr
Current Income Taxes Payable	220.9Cr	340.3Cr	213.6Cr	295.9Cr	239.8Cr
Accrued Interest Payable	285.5Cr	217.8Cr	501.9Cr	1.09TCr	1.32TCr
Other Current Liabilities - (Bank / Utility Template)	7.07TCr	7.79TCr	8.33TCr	8.52TCr	5.75TCr
Unearned Revenue Non Current	294.5Cr	351.8Cr	366Cr	383Cr	414.9Cr
Pension & Other Post Retirement Benefits	242.4Cr	203.8Cr	166.8Cr	161.1Cr	192.4Cr
Deferred Tax Liability Non-Current	5.2Cr	7.4Cr	44Cr	43Cr	54Cr
Other Non Current Liabilities	2.28TCr	2.37TCr	2.05TCr	2.16TCr	3.23TCr
Total Liabilities	1,53800Cr	1,60800Cr	1,80900Cr	1,88700Cr	2,04400Cr
Preferred Stock Redeemable	2.3Cr	2.3Cr	2.3Cr	2.3Cr	-
Preferred Stock Non Redeemable	175Cr	400Cr	400Cr	400Cr	537Cr
Preferred Stock Convertible	417.5Cr	270Cr	330Cr	330Cr	365Cr
Preferred Stock - Others	-30L	-3.9Cr	-50L	-90L	1.1Cr
Total Preferred Equity	594.5Cr	668.4Cr	731.8Cr	731.4Cr	903.1Cr
Common Stock, Total	1.76TCr	1.77TCr	1.73TCr	1.94TCr	2.1TCr
Retained Earnings	5.98TCr	7.18TCr	7.8TCr	8.43TCr	8.86TCr
Treasury Stock	-13Cr	-7.3Cr	-33Cr	-23Cr	-6.1Cr
Comprehensive Income and Other	341.4Cr	253.3Cr	572.5Cr	685.2Cr	849.8Cr
Total Common Equity	8.07TCr	9.2TCr	10TCr	11TCr	12TCr
Minority Interest	10Cr	9.5Cr	11Cr	9.9Cr	10Cr
Total Equity	8.68TCr	9.88TCr	11TCr	12TCr	13TCr
Total Liabilities And Equity	1,62500Cr	1,70600Cr	1,91700Cr	2,00500Cr	2,17200Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	142.21Cr	142.47Cr	138.29Cr	140.65Cr	141.5Cr
ECS Total Common Shares Outstanding	142.25Cr	142.45Cr	138.29Cr	140.05Cr	141.45Cr
Book Value / Share	56.75	64.57	72.85	78.79	83.46
Tangible Book Value	6.47TCr	7.67TCr	8.24TCr	9.18TCr	9.1TCr
Tangible Book Value Per Share	45.46	53.81	59.57	65.58	64.32
Average Assets	1,63700Cr	1,67800Cr	1,88700Cr	2,00300Cr	2,10800Cr
Average Loans	65TCr	68TCr	77TCr	83TCr	92TCr
Total Debt	41TCr	38TCr	46TCr	51TCr	50TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	33Cr	-238.8Cr	-313.3Cr	-264.1Cr	-338.2Cr
Net Debt	-27TCr	-31TCr	-28TCr	-20TCr	-31TCr
Equity Method Investments, Total	65Cr	65Cr	71Cr	50Cr	84Cr
Full Time Employees	83.84T	85.3T	91.43T	91.4T	94.84T
Number Of Offices	1.33T	1.3T	1.27T	1.25T	1.29T

Fiscal Period: October	2020	2021	2022	2023	2024
Net Income	1.14TCr	1.6TCr	1.58TCr	1.49TCr	1.62TCr
Depreciation, Depletion & Amortization	133.3Cr	127.6Cr	126.5Cr	127.5Cr	136.4Cr
Amortization of Goodwill and Intangible Assets - (CF)	27Cr	25Cr	26Cr	33Cr	55Cr
Total Depreciation, Depletion & Amortization	160.7Cr	152.7Cr	152.1Cr	160.7Cr	191Cr
Amortization of Deferred Charges, Total	100Cr	103.6Cr	111.3Cr	115.5Cr	108.8Cr
(Gain) Loss On Sale of Asset - (CF)	80L	-2.6Cr	-10Cr	-9.2Cr	2.9Cr
(Gain) Loss on Sale of Investments - (CF)	-29Cr	-28Cr	-15Cr	2.8Cr	-17Cr
Total Asset Writedown	4.2Cr	2.9Cr	1.8Cr	11Cr	-1.7Cr
Provision for Credit Losses	435.1Cr	-75Cr	48Cr	246.8Cr	323.2Cr
(Income) Loss On Equity Investments - (CF)	-	-	-	-	1.6Cr
Change in Trading Asset Securities	-155.1Cr	1.48TCr	-6.78TCr	-3.01TCr	408.9Cr
Changes in Accrued Interest Receivable	-14Cr	-51Cr	33Cr	283.7Cr	167.4Cr
Change In Income Taxes	1.8Cr	173.8Cr	-333.6Cr	-99Cr	94Cr
Change in Other Net Operating Assets (Collected)	-389.9Cr	-6.2TCr	-3.5TCr	-878.7Cr	-9.6TCr
Other Operating Activities	-58Cr	59Cr	58Cr	-99Cr	-151.9Cr
Cash from Operations	1.2TCr	-2.78TCr	-8.66TCr	-1.79TCr	-6.85TCr
Capital Expenditure	-262.9Cr	-218.6Cr	-250Cr	-273Cr	-228Cr
Sale of Property, Plant, and Equipment	-	7.8Cr	-	171.2Cr	-
Cash Acquisitions	-2.2Cr	-	-204.7Cr	-	-1.27TCr
Divestitures	-	-	-	-	1.5Cr
Investment in Marketable and Equity Securities, Total	-3.69TCr	-5.52TCr	-5.22TCr	-2.72TCr	-590.6Cr
Other Investing Activities, Total	-	-	-31Cr	-	-
Cash from Investing	-3.96TCr	-5.73TCr	-5.71TCr	-2.83TCr	-2.09TCr
Short Term Debt Issued, Total	1.3Cr	-	960.9Cr	-	-
Long-Term Debt Issued, Total	275Cr	275Cr	100Cr	150Cr	325Cr
Total Debt Issued	276.3Cr	275Cr	1.06TCr	150Cr	325Cr
Short Term Debt Repaid, Total	-	-1.4Cr	-	-510.2Cr	-450.7Cr
Long-Term Debt Repaid, Total	-358.8Cr	-312.1Cr	-82Cr	-82Cr	-213.6Cr
Total Debt Repaid	-358.8Cr	-313.5Cr	-82Cr	-592.7Cr	-664.3Cr
Issuance of Common Stock	484.8Cr	485.3Cr	552.5Cr	423.9Cr	687.6Cr
Repurchase of Common Stock	-566.7Cr	-474.3Cr	-1.11TCr	-407.5Cr	-666.7Cr
Issuance of Preferred Stock	174.5Cr	224.5Cr	75Cr	-	270.2Cr
Repurchase of Preferred Stock	-150.8Cr	-147.5Cr	-16Cr	-	-102.1Cr
Common Dividends Paid	-606.5Cr	-616.3Cr	-671.3Cr	-531.3Cr	-631.5Cr
Preferred Dividends Paid	-27Cr	-26Cr	-25Cr	-24Cr	-32Cr
Common & Preferred Stock Dividends Paid	-633.3Cr	-642Cr	-696Cr	-554.9Cr	-663.7Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	13TCr	8.89TCr	11TCr	4.4TCr	9.16TCr
Other Financing Activities, Total	-60L	-30L	-50L	-2.1Cr	-60L
Cash from Financing	12TCr	8.29TCr	11TCr	3.42TCr	8.34TCr
Foreign Exchange Rate Adjustments	106.2Cr	-281Cr	-415.2Cr	161.1Cr	63Cr
Net Change in Cash	9.26TCr	-504.2Cr	-4.14TCr	-1.04TCr	-526.6Cr
Supplemental Items
Cash Interest Paid	1.31TCr	755.5Cr	1.37TCr	5.47TCr	7.36TCr
Cash Income Tax Paid (Refund)	288Cr	419.8Cr	732.6Cr	496.4Cr	341Cr
Net Debt Issued / Repaid	-82Cr	-38Cr	978.8Cr	-442.7Cr	-339.3Cr

Fiscal Period: October	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.75	0.96	0.87	0.76	0.78
Return On Equity %	13.42	17.3	15.28	13.16	13.4
Return on Common Equity	14.08	18.28	16.13	13.85	14.09
Shareholders Value Added	219.39Cr	592.69Cr	448.63Cr	252.54Cr	322.85Cr
Margin Analysis
SG&A Margin	49.35	44.39	46.96	49.35	54.18
Net Interest Income / Total Revenues %	48.65	39.65	46.84	46.83	51.66
EBT Excl. Non-Recurring Items Margin %	33.6	40.9	41.46	34.41	36.71
Income From Continuing Operations Margin %	26.7	31.82	32.59	27.7	30.01
Net Income Margin %	26.69	31.79	32.56	27.69	29.99
Net Avail. For Common Margin %	26.07	31.28	32.06	27.25	29.4
Normalized Net Income Margin	20.99	25.54	25.89	21.49	22.92
Asset quality
Nonperforming Loans / Total Loans %	0.48	0.32	0.27	0.43	0.59
Nonperforming Loans / Total Assets %	0.2	0.14	0.11	0.18	0.27
Nonperforming Assets / Total Assets %	0.2	0.14	0.11	0.18	0.27
NPAs / Loans and OREO	0.48	0.32	0.27	0.43	0.59
NPAs / Equity	3.68	2.34	2.03	3.15	4.61
Allowance for Credit Losses / Net Charge-offs %	420.82	514.99	491.87	412.53	290.38
Allowance for Credit Losses / Nonperforming Loans %	176.49	177.17	170.67	135.1	102.9
Allowance for Credit Losses / Total Loans %	0.84	0.57	0.46	0.58	0.61
Net Charge-offs / Total Average Loans %	0.21	0.12	0.1	0.15	0.23
Provision for Loan Losses / Net Charge-offs %	324.7	-94.84	63.43	203.46	155.46
Earning Assets / IBL	112.69	112.42	115.2	114.61	114.77
Interest Income / Average Assets	2.13	1.68	2.16	4.34	4.98
Interest Expense / Average Assets	0.86	0.49	0.96	3.09	3.65
Net Interest Income / Average Assets	1.27	1.19	1.2	1.25	1.33
Non Interest Income / Average Assets	1.61	1.77	1.39	1.55	1.39
Non Interest Expense / Average Asset	1.74	1.78	1.5	1.76	1.62
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.19	5.18	5.32	5.38	5.4
Total Average Equity / Total Average Assets %	5.58	5.57	5.71	5.76	5.8
Total Equity + Allowance for Loan Losses / Total Loans %	13.83	14.22	13.56	14.29	13.48
Gross Loans / Total Deposits %	65.97	65.62	68.19	69.69	70.09
Net Loans / Total Deposits %	65.41	65.25	67.88	69.29	69.66
Tier 1 Capital Ratio %	13.5	14.9	13.8	15.7	14.6
Total Capital Ratio %	15.5	16.7	15.4	17.6	16.4
Core Tier 1 Capital Ratio	12.5	13.7	12.6	14.5	13.2
Tier 2 Capital Ratio	2	1.77	1.58	1.85	1.86
Coverage Ratio	176.49	177.17	170.67	135.1	102.9
Interbank Ratio	110.44	127.4	133.93	108.26	118.07
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	3.73	8.66	3.75	1.73	1.67
EBT + Interest Expense / Interest Expense	2.02	3.53	2.11	1.3	1.26
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	5.5	-4	13.57	10.62	11.24
Non Interest Income, 1 Yr. Growth %	0.35	12.7	-11.53	18.01	11.6
Provision For Loan Losses, 1 Yr. Growth %	133.42	-117.31	-164.28	409.92	30.96
Total Revenues, 1 Yr. Growth %	-2.96	17.78	-3.86	10.64	10.44
Earnings From Cont. Operations, 1 Yr. Growth %	-11.14	40.33	-1.51	-5.95	11.14
Net Income, 1 Yr. Growth %	-11.1	40.29	-1.52	-5.92	11.13
Normalized Net Income, 1 Yr. Growth %	-9.53	43.33	-2.54	-8.13	9.21
Diluted EPS Before Extra, 1 Yr. Growth %	-10.6	41.38	0	-5.06	9.01
Dividend Per Share, 1 Yr. Growth %	5.41	0.7	14.81	7.66	4.87
Gross Loans, 1 Yr. Growth %	7.15	8.21	14.11	4.13	15.1
Allowance For Loan Losses, 1 Yr. Growth %	81.9	-27.49	-8.22	33.33	20.64
Net Loans, 1 Yr. Growth %	6.78	8.52	14.24	4	15.07
Non Performing Loans, 1 Yr. Growth %	7.36	-27.76	-4.72	68.44	58.4
Non Performing Assets, 1 Yr. Growth %	7.36	-27.76	-4.72	68.44	58.4
Total Assets, 1 Yr. Growth %	13.69	5.03	12.36	4.58	8.23
Total Deposits, 1 Yr Growth %	14.21	8.79	9.81	1.89	14.44
Tangible Book Value, 1 Yr. Growth %	4.46	18.55	7.47	11.48	1.95
Average Interest Earning Assets, 1 Yr. Growth %	9.17	0.38	13.66	8.87	8.67
Average Interest Bearing Liabilities, 1 Yr. Growth %	12.39	0.63	10.91	9.44	8.51
Common Equity, 1 Yr. Growth %	3.73	13.95	9.53	9.53	9.58
Total Equity, 1 Yr. Growth %	3.76	13.82	9.53	8.86	10.46
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	7.73	0.64	4.42	12.09	10.93
Non Interest Income, 2 Yr. CAGR %	3.44	6.35	-0.15	2.18	5.78
Provision For Loan Losses, 2 Yr. CAGR %	82.46	-36.44	-66.65	81.04	158.41
Total Revenues, 2 Yr. CAGR %	1.87	6.91	6.41	3.14	5.63
Earnings From Cont. Operations, 2 Yr. CAGR %	-4.08	11.67	17.56	-3.76	1.36
Net Income, 2 Yr. CAGR %	-3.98	11.67	17.54	-3.75	1.37
Normalized Net Income, 2 Yr. CAGR %	-4.32	13.87	18.19	-5.38	-0.6
Diluted EPS Before Extra, 2 Yr. CAGR %	-3.28	12.43	18.9	-2.56	0.86
Dividend Per Share, 2 Yr. CAGR %	6.67	3.03	7.53	11.18	6.26
Gross Loans, 2 Yr. CAGR %	7.2	7.68	11.13	9.01	9.47
Allowance For Loan Losses, 2 Yr. CAGR %	39.16	14.85	-18.42	10.62	26.83
Net Loans, 2 Yr. CAGR %	7.02	7.64	11.34	9	9.39
Non Performing Loans, 2 Yr. CAGR %	20.98	-11.94	-17.04	26.68	63.34
Non Performing Assets, 2 Yr. CAGR %	20.98	-11.94	-17.04	26.68	63.34
Total Assets, 2 Yr. CAGR %	10.32	9.28	8.63	8.4	6.43
Total Deposits, 2 Yr CAGR %	10	11.47	9.3	5.78	7.98
Tangible Book Value, 2 Yr. CAGR %	5.84	11.28	12.87	9.46	5.08
Average Interest Earning Assets, 2 Yr. CAGR %	10.84	4.69	6.82	11.24	8.77
Average Interest Bearing Liabilities, 2 Yr. CAGR %	13.1	6.35	5.65	10.17	8.97
Common Equity, 2 Yr. CAGR %	4.76	8.72	11.72	9.53	8.25
Total Equity, 2 Yr. CAGR %	4.17	8.67	11.66	9.2	8.43
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	6.72	3.67	4.78	6.45	11.8
Non Interest Income, 3 Yr. CAGR %	3.84	6.44	0.02	5.57	-0.34
Provision For Loan Losses, 3 Yr. CAGR %	55.82	-16.79	-36.2	-17.22	62.51
Total Revenues, 3 Yr. CAGR %	2.72	6.92	3.19	7.8	2.37
Earnings From Cont. Operations, 3 Yr. CAGR %	-0.09	8.89	7.09	9.13	0.39
Net Income, 3 Yr. CAGR %	0.01	8.95	7.09	9.13	0.4
Normalized Net Income, 3 Yr. CAGR %	-0.52	9.47	8.11	8.67	-1.25
Diluted EPS Before Extra, 3 Yr. CAGR %	1.16	9.77	8.12	10.31	0.57
Dividend Per Share, 3 Yr. CAGR %	7.22	4.64	6.81	7.57	9.04
Gross Loans, 3 Yr. CAGR %	6.93	7.54	9.78	8.74	11
Allowance For Loan Losses, 3 Yr. CAGR %	37.72	11.98	6.58	-3.9	13.87
Net Loans, 3 Yr. CAGR %	6.77	7.52	9.8	8.84	10.98
Non Performing Loans, 3 Yr. CAGR %	7.44	1.87	-9.59	5.05	36.48
Non Performing Assets, 3 Yr. CAGR %	7.44	1.87	-9.59	5.05	36.48
Total Assets, 3 Yr. CAGR %	10.23	8.53	10.29	7.27	8.37
Total Deposits, 3 Yr CAGR %	8.62	9.6	10.91	6.77	8.59
Tangible Book Value, 3 Yr. CAGR %	7.58	9.92	10	12.41	5.87
Average Interest Earning Assets, 3 Yr. CAGR %	10.35	7.24	7.6	7.5	10.38
Average Interest Bearing Liabilities, 3 Yr. CAGR %	12.45	8.78	7.85	6.9	9.62
Common Equity, 3 Yr. CAGR %	6.19	7.74	8.99	10.98	8.67
Total Equity, 3 Yr. CAGR %	5.25	7.3	8.96	10.72	8.8
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	7.12	3.89	5.8	6.96	7.2
Non Interest Income, 5 Yr. CAGR %	5.11	5.93	2.23	4.71	2.28
Provision For Loan Losses, 5 Yr. CAGR %	31.73	-13.4	-15.89	13.56	11.64
Total Revenues, 5 Yr. CAGR %	4.6	6.25	4.18	5.39	4.16
Earnings From Cont. Operations, 5 Yr. CAGR %	2.67	8.94	6.63	3.64	4.76
Net Income, 5 Yr. CAGR %	2.87	9.04	6.69	3.68	4.76
Normalized Net Income, 5 Yr. CAGR %	2.91	9.3	6.58	3.27	4.54
Diluted EPS Before Extra, 5 Yr. CAGR %	3.07	10.29	7.91	4.66	5.15
Dividend Per Share, 5 Yr. CAGR %	6.85	5.92	7.34	7.21	6.59
Gross Loans, 5 Yr. CAGR %	7.02	6.59	8.59	8.13	9.66
Allowance For Loan Losses, 5 Yr. CAGR %	22.68	12.84	11.69	11.44	14.26
Net Loans, 5 Yr. CAGR %	6.93	6.56	8.58	8.11	9.64
Non Performing Loans, 5 Yr. CAGR %	6.93	-9.97	-3.12	11.15	14.54
Non Performing Assets, 5 Yr. CAGR %	6.93	-9.97	-3.12	11.15	14.54
Total Assets, 5 Yr. CAGR %	8.62	7.65	9.59	8.48	8.73
Total Deposits, 5 Yr CAGR %	7.73	7.76	8.89	8.05	9.73
Tangible Book Value, 5 Yr. CAGR %	7.55	9.59	9.67	9.73	8
Average Interest Earning Assets, 5 Yr. CAGR %	9.2	6.73	8.92	8.82	8.06
Average Interest Bearing Liabilities, 5 Yr. CAGR %	9.61	7.83	9.68	9.33	8.3
Common Equity, 5 Yr. CAGR %	7.19	7.42	8.37	8.45	8.69
Total Equity, 5 Yr. CAGR %	6.29	6.64	7.77	8.05	8.75