Financial Ratios Royal Bank of Canada

Equities

RY

CA7800871021

Banks

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Published financial data: ROYAL BANK OF CANADA

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: October	2021	2022	2023	2024	2025
Interest Income On Loans	2.17TCr	2.66TCr	4.35TCr	5.4TCr	5.6TCr
Interest Income On Investments	649.1Cr	1.42TCr	4.35TCr	5.09TCr	4.78TCr
Interest Income, Total	2.81TCr	4.08TCr	8.7TCr	10TCr	10TCr
Interest On Deposits	544.8Cr	1.08TCr	3.67TCr	4.73TCr	4.48TCr
Total Interest On Borrowings	269.5Cr	730.3Cr	2.52TCr	2.97TCr	2.6TCr
Interest Expense, Total	814.3Cr	1.81TCr	6.19TCr	7.7TCr	7.08TCr
Net Interest Income	2TCr	2.27TCr	2.51TCr	2.8TCr	3.3TCr
Trust Income	713.2Cr	761Cr	834.4Cr	932.5Cr	1.06TCr
Income From Trading Activities	118.3Cr	93Cr	239.2Cr	232.7Cr	312.5Cr
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	14Cr	4.3Cr	19Cr	17Cr	12Cr
Income (Loss) on Equity Invest. (Income Block)	13Cr	11Cr	-22Cr	-1.6Cr	7.3Cr
Total Other Non Interest Income	2.11TCr	1.76TCr	2.03TCr	1.76TCr	1.96TCr
Non Interest Income, Total	2.97TCr	2.63TCr	3.1TCr	2.94TCr	3.36TCr
Revenues Before Provison For Loan Losses	4.97TCr	4.9TCr	5.61TCr	5.73TCr	6.66TCr
Provision For Loan Losses	-75Cr	48Cr	246.8Cr	323.2Cr	436.2Cr
Total Revenues	5.04TCr	4.85TCr	5.37TCr	5.41TCr	6.22TCr
Salaries And Other Employee Benefits	1.44TCr	1.61TCr	1.82TCr	1.81TCr	2.06TCr
Amort. of Goodwill & Intang. Assets	128.7Cr	136.9Cr	148.7Cr	154.9Cr	175.9Cr
Selling General & Admin Expenses, Total	797.3Cr	670.7Cr	825.6Cr	1.12TCr	1.06TCr
Total Other Non Interest Expense	613.7Cr	424.9Cr	722.8Cr	338.2Cr	356.8Cr
Non Interest Expense, Total	2.98TCr	2.84TCr	3.52TCr	3.42TCr	3.66TCr
EBT, Excl. Unusual Items	2.06TCr	2.01TCr	1.85TCr	1.99TCr	2.57TCr
EBT, Incl. Unusual Items	2.06TCr	2.01TCr	1.85TCr	1.99TCr	2.57TCr
Income Tax Expense	458.1Cr	430.2Cr	360Cr	362.2Cr	528.2Cr
Earnings From Continuing Operations	1.6TCr	1.58TCr	1.49TCr	1.62TCr	2.04TCr
Net Income to Company	1.6TCr	1.58TCr	1.49TCr	1.62TCr	2.04TCr
Minority Interest	-1.2Cr	-1.3Cr	-70L	-1Cr	-70L
Net Income - (IS)	1.6TCr	1.58TCr	1.49TCr	1.62TCr	2.04TCr
Preferred Dividend and Other Adjustments	26Cr	25Cr	24Cr	32Cr	49Cr
Net Income to Common Incl Extra Items	1.58TCr	1.55TCr	1.46TCr	1.59TCr	1.99TCr
Net Income to Common Excl. Extra Items	1.58TCr	1.55TCr	1.46TCr	1.59TCr	1.99TCr
Per Share Items
Net EPS - Basic	11.08	11.08	10.51	11.27	14.1
Basic EPS - Continuing Operations	11.08	11.08	10.51	11.27	14.1
Basic Weighted Average Shares Outstanding	142.43Cr	140.37Cr	139.1Cr	141.19Cr	140.91Cr
Net EPS - Diluted	11.06	11.06	10.5	11.25	14.07
Diluted EPS - Continuing Operations	11.06	11.06	10.5	11.25	14.07
Diluted Weighted Average Shares Outstanding	142.67Cr	140.6Cr	139.25Cr	141.38Cr	141.16Cr
Normalized Basic EPS	9.04	8.94	8.29	8.79	11.37
Normalized Diluted EPS	9.03	8.93	8.28	8.77	11.35
Dividend Per Share	4.32	4.96	5.34	5.6	6.04
Payout Ratio	40.03	44.07	37.34	40.89	43.22
Supplemental Items
Effective Tax Rate - (Ratio)	22.2	21.39	19.5	18.24	20.59
Total Current Taxes	478.5Cr	392.1Cr	483.2Cr	512.3Cr	563.6Cr
Total Deferred Taxes	-20Cr	38Cr	-123.2Cr	-150.1Cr	-35Cr
Normalized Net Income	1.29TCr	1.26TCr	1.15TCr	1.24TCr	1.6TCr
Non-Cash Pension Expense	2.2Cr	-7.4Cr	-15Cr	-13Cr	-9.3Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	212.1Cr	46Cr	75Cr	295Cr	250.2Cr
Total Stock-Based Compensation	212.1Cr	46Cr	75Cr	295Cr	250.2Cr

Fiscal Period: October	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	11TCr	7.04TCr	5.9TCr	5.47TCr	3.4TCr
Investment Securities, Total	53TCr	59TCr	63TCr	67TCr	70TCr
Trading Asset Securities, Total	19TCr	25TCr	24TCr	34TCr	41TCr
Mortgage Backed Securities	274.7Cr	288.8Cr	270.1Cr	263.4Cr	267.4Cr
Total investments	72TCr	84TCr	87TCr	1,01800Cr	1,11400Cr
Gross Loans	72TCr	82TCr	86TCr	99TCr	1,05000Cr
Allowance For Loan Losses	-408.9Cr	-375.3Cr	-500.4Cr	-603.7Cr	-709.3Cr
Net Loans	72TCr	82TCr	85TCr	98TCr	1,04300Cr
Gross Property Plant And Equipment	1.51TCr	1.24TCr	1.28TCr	1.39TCr	1.45TCr
Accumulated Depreciation	-767.7Cr	-520.5Cr	-608.5Cr	-707.7Cr	-768.4Cr
Net Property Plant And Equipment	742.4Cr	721.4Cr	674.9Cr	685.2Cr	681.9Cr
Goodwill	1.09TCr	1.23TCr	1.26TCr	1.93TCr	1.94TCr
Other Intangibles, Total	447.1Cr	608.3Cr	590.7Cr	779.8Cr	740.2Cr
Accrued Interest Receivable	219.5Cr	470.3Cr	777.5Cr	790.4Cr	834.2Cr
Other Receivables	1.33TCr	1.45TCr	2.15TCr	2.18TCr	1.84TCr
Restricted Cash	1.65TCr	2.76TCr	2.31TCr	2.25TCr	3.04TCr
Other Current Assets, Total	8.95TCr	9.72TCr	14TCr	1.72TCr	2.27TCr
Deferred Tax Assets Long-Term (Collected)	201.1Cr	147.2Cr	244.6Cr	432.8Cr	448.6Cr
Other Long-Term Assets, Total	1.1TCr	1.18TCr	672.6Cr	935.4Cr	1.57TCr
Total Assets	1,70600Cr	1,91700Cr	2,00500Cr	2,17200Cr	2,32500Cr
Liabilities
Accounts Payable, Total	186.7Cr	129.2Cr	159.9Cr	147.5Cr	166.3Cr
Accrued Expenses, Total	1.58TCr	2TCr	1.72TCr	2.01TCr	2.31TCr
Interest Bearing Deposits	46TCr	47TCr	1,04400Cr	54TCr	60TCr
Institutional Deposits	42TCr	52TCr	-	67TCr	70TCr
Non-Interest Bearing Deposits	22TCr	22TCr	19TCr	20TCr	21TCr
Total Deposits	1,10100Cr	1,20900Cr	1,23200Cr	1,41000Cr	1,51600Cr
Short-Term Borrowings	791.6Cr	1.96TCr	1.62TCr	1.4TCr	2.05TCr
Current Portion of Long-Term Debt	26TCr	27TCr	33TCr	30TCr	29TCr
Current Portion of Leases	63Cr	65Cr	65Cr	71Cr	69Cr
Long-Term Debt	10TCr	16TCr	15TCr	18TCr	20TCr
Long-Term Leases	444.6Cr	445.6Cr	411.1Cr	396.4Cr	389.2Cr
Current Income Taxes Payable	340.3Cr	213.6Cr	295.9Cr	239.8Cr	285.2Cr
Accrued Interest Payable	217.8Cr	501.9Cr	1.09TCr	1.32TCr	1.18TCr
Other Current Liabilities - (Bank / Utility Template)	7.79TCr	8.33TCr	8.52TCr	5.75TCr	7.47TCr
Unearned Revenue Non Current	351.8Cr	366Cr	383Cr	414.9Cr	427.7Cr
Pension & Other Post Retirement Benefits	203.8Cr	166.8Cr	161.1Cr	192.4Cr	196.6Cr
Deferred Tax Liability Non-Current	7.4Cr	44Cr	43Cr	54Cr	48Cr
Other Non Current Liabilities	2.37TCr	2.05TCr	2.16TCr	3.23TCr	3.69TCr
Total Liabilities	1,60800Cr	1,80900Cr	1,88700Cr	2,04400Cr	2,18600Cr
Preferred Stock Redeemable	2.3Cr	2.3Cr	2.3Cr	-	-
Preferred Stock Non Redeemable	400Cr	400Cr	400Cr	537Cr	859.3Cr
Preferred Stock Convertible	270Cr	330Cr	330Cr	365Cr	305Cr
Preferred Stock - Others	-3.9Cr	-50L	-90L	1.1Cr	3.2Cr
Total Preferred Equity	668.4Cr	731.8Cr	731.4Cr	903.1Cr	1.17TCr
Common Stock, Total	1.77TCr	1.7TCr	1.92TCr	2.1TCr	2.08TCr
Retained Earnings	7.18TCr	7.8TCr	8.43TCr	8.86TCr	9.69TCr
Treasury Stock	-	-	-	-	-
Comprehensive Income and Other	253.3Cr	572.5Cr	685.2Cr	849.8Cr	972.6Cr
Total Common Equity	9.2TCr	10TCr	11TCr	12TCr	13TCr
Minority Interest	9.5Cr	11Cr	9.9Cr	10Cr	5.9Cr
Total Equity	9.88TCr	11TCr	12TCr	13TCr	14TCr
Total Liabilities And Equity	1,70600Cr	1,91700Cr	2,00500Cr	2,17200Cr	2,32500Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	142.47Cr	138.29Cr	140.65Cr	141.5Cr	140.02Cr
ECS Total Common Shares Outstanding	142.45Cr	138.29Cr	140.05Cr	141.45Cr	140.01Cr
Book Value / Share	64.57	72.85	78.79	83.46	91
Tangible Book Value	7.67TCr	8.24TCr	9.18TCr	9.1TCr	10TCr
Tangible Book Value Per Share	53.81	59.57	65.58	64.32	71.86
Average Assets	1,67800Cr	1,88700Cr	2,00300Cr	2,10800Cr	2,39800Cr
Average Loans	68TCr	77TCr	83TCr	92TCr	1,00900Cr
Total Debt	38TCr	46TCr	51TCr	50TCr	51TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-238.8Cr	-313.3Cr	-264.1Cr	-338.2Cr	-374.9Cr
Net Debt	-31TCr	-28TCr	-20TCr	-31TCr	-29TCr
Equity Method Investments, Total	65Cr	71Cr	50Cr	84Cr	83Cr
Full Time Employees	85.3T	91.43T	91.4T	94.84T	96.63T
Number Of Offices	1.3T	1.27T	1.25T	1.29T	1.26T

Fiscal Period: October	2021	2022	2023	2024	2025
Net Income	1.6TCr	1.58TCr	1.49TCr	1.62TCr	2.04TCr
Depreciation, Depletion & Amortization	127.6Cr	126.5Cr	127.5Cr	136.4Cr	128.6Cr
Amortization of Goodwill and Intangible Assets - (CF)	25Cr	26Cr	33Cr	55Cr	61Cr
Total Depreciation, Depletion & Amortization	152.7Cr	152.1Cr	160.7Cr	191Cr	189.8Cr
Amortization of Deferred Charges, Total	103.6Cr	111.3Cr	115.5Cr	108.8Cr	114.7Cr
(Gain) Loss On Sale of Asset - (CF)	-2.6Cr	-10Cr	-9.2Cr	2.9Cr	-
(Gain) Loss on Sale of Investments - (CF)	-28Cr	-15Cr	2.8Cr	-17Cr	-13Cr
Total Asset Writedown	2.9Cr	1.8Cr	11Cr	-1.7Cr	3.4Cr
Provision for Credit Losses	-75Cr	48Cr	246.8Cr	323.2Cr	436.2Cr
(Income) Loss On Equity Investments - (CF)	-	-	-	1.6Cr	-7.3Cr
Change in Trading Asset Securities	1.48TCr	-6.78TCr	-3.01TCr	408.9Cr	-6.24TCr
Changes in Accrued Interest Receivable	-51Cr	33Cr	283.7Cr	167.4Cr	-188Cr
Change In Income Taxes	173.8Cr	-333.6Cr	-99Cr	94Cr	-94Cr
Change in Other Net Operating Assets (Collected)	-6.2TCr	-3.5TCr	-878.7Cr	-9.6TCr	-1.31TCr
Other Operating Activities	59Cr	58Cr	-99Cr	-151.9Cr	-21Cr
Cash from Operations	-2.78TCr	-8.66TCr	-1.79TCr	-6.85TCr	-5.09TCr
Capital Expenditure	-218.6Cr	-250Cr	-273Cr	-228Cr	-224.3Cr
Sale of Property, Plant, and Equipment	7.8Cr	-	171.2Cr	-	-
Cash Acquisitions	-	-204.7Cr	-	-1.27TCr	-
Divestitures	-	-	-	1.5Cr	-
Investment in Marketable and Equity Securities, Total	-5.52TCr	-5.22TCr	-2.72TCr	-590.6Cr	-6.63TCr
Other Investing Activities, Total	-	-31Cr	-	-	-
Cash from Investing	-5.73TCr	-5.71TCr	-2.83TCr	-2.09TCr	-6.86TCr
Short Term Debt Issued, Total	-	960.9Cr	-	-	280.4Cr
Long-Term Debt Issued, Total	275Cr	100Cr	150Cr	325Cr	299.1Cr
Total Debt Issued	275Cr	1.06TCr	150Cr	325Cr	579.5Cr
Short Term Debt Repaid, Total	-1.4Cr	-	-510.2Cr	-450.7Cr	-
Long-Term Debt Repaid, Total	-312.1Cr	-82Cr	-82Cr	-213.6Cr	-353.8Cr
Total Debt Repaid	-313.5Cr	-82Cr	-592.7Cr	-664.3Cr	-353.8Cr
Issuance of Common Stock	485.3Cr	552.5Cr	423.9Cr	687.6Cr	1.08TCr
Repurchase of Common Stock	-474.3Cr	-1.11TCr	-407.5Cr	-666.7Cr	-1.35TCr
Issuance of Preferred Stock	224.5Cr	75Cr	-	270.2Cr	494.5Cr
Repurchase of Preferred Stock	-147.5Cr	-16Cr	-	-102.1Cr	-235Cr
Common Dividends Paid	-616.3Cr	-671.3Cr	-531.3Cr	-631.5Cr	-830.6Cr
Preferred Dividends Paid	-26Cr	-25Cr	-24Cr	-32Cr	-49Cr
Common & Preferred Stock Dividends Paid	-642Cr	-696Cr	-554.9Cr	-663.7Cr	-880Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	8.89TCr	11TCr	4.4TCr	9.16TCr	11TCr
Other Financing Activities, Total	-30L	-50L	-2.1Cr	-60L	-3.9Cr
Cash from Financing	8.29TCr	11TCr	3.42TCr	8.34TCr	9.94TCr
Foreign Exchange Rate Adjustments	-281Cr	-415.2Cr	161.1Cr	63Cr	36Cr
Net Change in Cash	-504.2Cr	-4.14TCr	-1.04TCr	-526.6Cr	-1.97TCr
Supplemental Items
Cash Interest Paid	755.5Cr	1.37TCr	5.47TCr	7.36TCr	7.1TCr
Cash Income Tax Paid (Refund)	419.8Cr	732.6Cr	496.4Cr	341Cr	608.7Cr
Net Debt Issued / Repaid	-38Cr	978.8Cr	-442.7Cr	-339.3Cr	225.7Cr

Fiscal Period: October	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.96	0.87	0.76	0.78	0.91
Return On Equity %	17.3	15.28	13.16	13.4	15.3
Return on Common Equity	18.28	16.13	13.85	14.09	16.19
Shareholders Value Added	592.69Cr	448.63Cr	252.54Cr	322.85Cr	624.55Cr
Margin Analysis
SG&A Margin	44.39	46.96	49.35	54.18	50.23
Net Interest Income / Total Revenues %	39.65	46.84	46.83	51.66	53.02
EBT Excl. Non-Recurring Items Margin %	40.9	41.46	34.41	36.71	41.21
Income From Continuing Operations Margin %	31.82	32.59	27.7	30.01	32.72
Net Income Margin %	31.79	32.56	27.69	29.99	32.71
Net Avail. For Common Margin %	31.28	32.06	27.25	29.4	31.92
Normalized Net Income Margin	25.54	25.89	21.49	22.92	25.75
Asset quality
Nonperforming Loans / Total Loans %	0.32	0.27	0.43	0.59	0.83
Nonperforming Loans / Total Assets %	0.14	0.11	0.18	0.27	0.37
Nonperforming Assets / Total Assets %	0.14	0.11	0.18	0.27	0.37
NPAs / Loans and OREO	0.32	0.27	0.43	0.59	0.83
NPAs / Equity	2.34	2.03	3.15	4.61	6.24
Allowance for Credit Losses / Net Charge-offs %	514.99	491.87	412.53	290.38	245.94
Allowance for Credit Losses / Nonperforming Loans %	177.17	170.67	135.1	102.9	81.7
Allowance for Credit Losses / Total Loans %	0.57	0.46	0.58	0.61	0.68
Net Charge-offs / Total Average Loans %	0.12	0.1	0.15	0.23	0.29
Provision for Loan Losses / Net Charge-offs %	-94.84	63.43	203.46	155.46	151.25
Earning Assets / IBL	112.42	115.2	114.61	114.77	114.6
Interest Income / Average Assets	1.68	2.16	4.34	4.98	4.33
Interest Expense / Average Assets	0.49	0.96	3.09	3.65	2.95
Net Interest Income / Average Assets	1.19	1.2	1.25	1.33	1.38
Non Interest Income / Average Assets	1.77	1.39	1.55	1.39	1.4
Non Interest Expense / Average Asset	1.78	1.5	1.76	1.62	1.53
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.18	5.32	5.38	5.4	5.46
Total Average Equity / Total Average Assets %	5.57	5.71	5.76	5.8	5.92
Total Equity + Allowance for Loan Losses / Total Loans %	14.22	13.56	14.29	13.48	13.92
Gross Loans / Total Deposits %	65.62	68.19	69.69	70.09	69.28
Net Loans / Total Deposits %	65.25	67.88	69.29	69.66	68.82
Tier 1 Capital Ratio %	14.9	13.8	15.7	14.6	15.1
Total Capital Ratio %	16.7	15.4	17.6	16.4	16.8
Core Tier 1 Capital Ratio	13.7	12.6	14.5	13.2	13.5
Tier 2 Capital Ratio	1.77	1.58	1.85	1.86	1.64
Coverage Ratio	177.17	170.67	135.1	102.9	81.7
Interbank Ratio	127.4	133.93	108.26	118.07	109.41
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	8.66	3.75	1.73	1.67	1.99
EBT + Interest Expense / Interest Expense	3.53	2.11	1.3	1.26	1.36
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-4	13.57	10.62	11.24	18.06
Non Interest Income, 1 Yr. Growth %	12.7	-11.53	18.01	11.6	14.34
Provision For Loan Losses, 1 Yr. Growth %	-117.31	-164.28	409.92	30.96	34.96
Total Revenues, 1 Yr. Growth %	17.78	-3.86	10.64	10.44	15.03
Earnings From Cont. Operations, 1 Yr. Growth %	40.33	-1.51	-5.95	11.14	25.42
Net Income, 1 Yr. Growth %	40.29	-1.52	-5.92	11.13	25.46
Normalized Net Income, 1 Yr. Growth %	43.33	-2.54	-8.13	9.21	29.19
Diluted EPS Before Extra, 1 Yr. Growth %	41.38	0	-5.06	9.01	25.07
Dividend Per Share, 1 Yr. Growth %	0.7	14.81	7.66	4.87	7.86
Gross Loans, 1 Yr. Growth %	8.21	14.11	4.13	15.1	6.29
Allowance For Loan Losses, 1 Yr. Growth %	-27.49	-8.22	33.33	20.64	17.49
Net Loans, 1 Yr. Growth %	8.52	14.24	4	15.07	6.22
Non Performing Loans, 1 Yr. Growth %	-27.76	-4.72	68.44	58.4	47.98
Non Performing Assets, 1 Yr. Growth %	-27.76	-4.72	68.44	58.4	47.98
Total Assets, 1 Yr. Growth %	5.03	12.36	4.58	8.23	7.06
Total Deposits, 1 Yr Growth %	8.79	9.81	1.89	14.44	7.53
Tangible Book Value, 1 Yr. Growth %	18.55	7.47	11.48	1.95	10.59
Average Interest Earning Assets, 1 Yr. Growth %	0.38	13.66	8.87	8.67	12.56
Average Interest Bearing Liabilities, 1 Yr. Growth %	0.63	10.91	9.44	8.51	12.73
Common Equity, 1 Yr. Growth %	13.95	9.53	9.53	9.58	7.93
Total Equity, 1 Yr. Growth %	13.82	9.53	8.86	10.46	9.4
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	0.64	4.42	12.09	10.93	14.6
Non Interest Income, 2 Yr. CAGR %	6.35	-0.15	2.18	5.78	12.96
Provision For Loan Losses, 2 Yr. CAGR %	-36.44	-66.65	81.04	158.41	32.94
Total Revenues, 2 Yr. CAGR %	6.91	6.41	3.14	5.63	12.71
Earnings From Cont. Operations, 2 Yr. CAGR %	11.67	17.56	-3.76	1.36	18.07
Net Income, 2 Yr. CAGR %	11.67	17.54	-3.75	1.37	18.08
Normalized Net Income, 2 Yr. CAGR %	13.87	18.19	-5.38	-0.6	18.78
Diluted EPS Before Extra, 2 Yr. CAGR %	12.43	18.9	-2.56	0.86	16.76
Dividend Per Share, 2 Yr. CAGR %	3.03	7.53	11.18	6.26	6.35
Gross Loans, 2 Yr. CAGR %	7.68	11.13	9.01	9.47	10.61
Allowance For Loan Losses, 2 Yr. CAGR %	14.85	-18.42	10.62	26.83	19.06
Net Loans, 2 Yr. CAGR %	7.64	11.34	9	9.39	10.56
Non Performing Loans, 2 Yr. CAGR %	-11.94	-17.04	26.68	63.34	53.1
Non Performing Assets, 2 Yr. CAGR %	-11.94	-17.04	26.68	63.34	53.1
Total Assets, 2 Yr. CAGR %	9.28	8.63	8.4	6.43	7.64
Total Deposits, 2 Yr CAGR %	11.47	9.3	5.78	7.98	10.93
Tangible Book Value, 2 Yr. CAGR %	11.28	12.87	9.46	5.08	6.18
Average Interest Earning Assets, 2 Yr. CAGR %	4.69	6.82	11.24	8.77	10.6
Average Interest Bearing Liabilities, 2 Yr. CAGR %	6.35	5.65	10.17	8.97	10.6
Common Equity, 2 Yr. CAGR %	8.72	11.72	9.53	8.25	8.75
Total Equity, 2 Yr. CAGR %	8.67	11.66	9.2	8.43	9.93
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	3.67	4.78	6.45	11.8	13.25
Non Interest Income, 3 Yr. CAGR %	6.44	0.02	5.57	-0.34	8.56
Provision For Loan Losses, 3 Yr. CAGR %	-16.79	-36.2	-17.22	62.51	108.1
Total Revenues, 3 Yr. CAGR %	6.92	3.19	7.8	2.37	8.67
Earnings From Cont. Operations, 3 Yr. CAGR %	8.89	7.09	9.13	0.39	8.82
Net Income, 3 Yr. CAGR %	8.95	7.09	9.13	0.4	8.84
Normalized Net Income, 3 Yr. CAGR %	9.47	8.11	8.67	-1.25	8.47
Diluted EPS Before Extra, 3 Yr. CAGR %	9.77	8.12	10.31	0.57	8.35
Dividend Per Share, 3 Yr. CAGR %	4.64	6.81	7.57	9.04	6.79
Gross Loans, 3 Yr. CAGR %	7.54	9.78	8.74	11	8.4
Allowance For Loan Losses, 3 Yr. CAGR %	11.98	6.58	-3.9	13.87	23.64
Net Loans, 3 Yr. CAGR %	7.52	9.8	8.84	10.98	8.32
Non Performing Loans, 3 Yr. CAGR %	1.87	-9.59	5.05	36.48	58.05
Non Performing Assets, 3 Yr. CAGR %	1.87	-9.59	5.05	36.48	58.05
Total Assets, 3 Yr. CAGR %	8.53	10.29	7.27	8.37	6.64
Total Deposits, 3 Yr CAGR %	9.6	10.91	6.77	8.59	7.83
Tangible Book Value, 3 Yr. CAGR %	9.92	10	12.41	5.87	6.89
Average Interest Earning Assets, 3 Yr. CAGR %	7.24	7.6	7.5	10.38	10.02
Average Interest Bearing Liabilities, 3 Yr. CAGR %	8.78	7.85	6.9	9.62	10.21
Common Equity, 3 Yr. CAGR %	7.74	8.99	10.98	8.67	8.14
Total Equity, 3 Yr. CAGR %	7.3	8.96	10.72	8.8	8.76
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	3.89	5.8	6.96	7.2	9.63
Non Interest Income, 5 Yr. CAGR %	5.93	2.23	4.71	2.28	4.99
Provision For Loan Losses, 5 Yr. CAGR %	-13.4	-15.89	13.56	11.64	0.05
Total Revenues, 5 Yr. CAGR %	6.25	4.18	5.39	4.16	7.76
Earnings From Cont. Operations, 5 Yr. CAGR %	8.94	6.63	3.64	4.76	12.24
Net Income, 5 Yr. CAGR %	9.04	6.69	3.68	4.76	12.24
Normalized Net Income, 5 Yr. CAGR %	9.3	6.58	3.27	4.54	12.26
Diluted EPS Before Extra, 5 Yr. CAGR %	10.29	7.91	4.66	5.15	12.46
Dividend Per Share, 5 Yr. CAGR %	5.92	7.34	7.21	6.59	7.08
Gross Loans, 5 Yr. CAGR %	6.59	8.59	8.13	9.66	9.48
Allowance For Loan Losses, 5 Yr. CAGR %	12.84	11.69	11.44	14.26	4.69
Net Loans, 5 Yr. CAGR %	6.56	8.58	8.11	9.64	9.52
Non Performing Loans, 5 Yr. CAGR %	-9.97	-3.12	11.15	14.54	22.13
Non Performing Assets, 5 Yr. CAGR %	-9.97	-3.12	11.15	14.54	22.13
Total Assets, 5 Yr. CAGR %	7.65	9.59	8.48	8.73	7.43
Total Deposits, 5 Yr CAGR %	7.76	8.89	8.05	9.73	8.42
Tangible Book Value, 5 Yr. CAGR %	9.59	9.67	9.73	8	9.24
Average Interest Earning Assets, 5 Yr. CAGR %	6.73	8.92	8.82	8.06	8.73
Average Interest Bearing Liabilities, 5 Yr. CAGR %	7.83	9.68	9.33	8.3	8.36
Common Equity, 5 Yr. CAGR %	7.42	8.37	8.45	8.69	9.56
Total Equity, 5 Yr. CAGR %	6.64	7.77	8.05	8.75	9.91