Cash flow State Street Corporation

Stocks

STT

US8574771031

Investment Management & Fund Operators

Market Closed - NYSE Other stock markets 01:30:02 11/07/2026 am IST			5-day change	1st Jan Change
180.22 ^USD	+0.03%		+5.58%	+39.69%

10/07	Exchange-Traded Funds, US Equities Mixed After Midday Friday	MT
10/07	Exchange-Traded Funds, Equity Futures Mixed Pre-Bell Friday Amid Renewed US-Iran Tensions Ahead of Q2 Earnings Season	MT

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Published financial data: STATE STREET CORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	190.8Cr	408.8Cr	918Cr	1.2TCr	1.16TCr
Interest Income, Total	190.8Cr	408.8Cr	918Cr	1.2TCr	1.16TCr
Interest On Deposits	30L	154.4Cr	642.1Cr	905.4Cr	868.4Cr
Interest Expense, Total	30L	154.4Cr	642.1Cr	905.4Cr	868.4Cr
Net Interest Income	190.5Cr	254.4Cr	275.9Cr	292.3Cr	296Cr
Trust Income	205.3Cr	193.9Cr	187.6Cr	212.4Cr	239.8Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	11Cr	-20L	-29Cr	-7.9Cr	40L
Total Other Non Interest Income	795.9Cr	766.7Cr	760.4Cr	803.2Cr	858.2Cr
Non Interest Income, Total	1.01TCr	960.4Cr	918.6Cr	1.01TCr	1.1TCr
Revenues Before Provison For Loan Losses	1.2TCr	1.21TCr	1.19TCr	1.3TCr	1.39TCr
Provision For Loan Losses	-3.3Cr	2Cr	4.6Cr	7.5Cr	5.9Cr
Total Revenues	1.21TCr	1.21TCr	1.19TCr	1.29TCr	1.39TCr
Salaries And Other Employee Benefits	432.7Cr	413Cr	435.4Cr	448.9Cr	455.6Cr
Amort. of Goodwill & Intang. Assets	24Cr	24Cr	24Cr	23Cr	22Cr
Occupancy Expense	42Cr	-	-	42Cr	42Cr
Selling General & Admin Expenses, Total	199.3Cr	234.3Cr	245.8Cr	219.4Cr	251.2Cr
Total Other Non Interest Expense	184.7Cr	194.7Cr	195.7Cr	209.6Cr	217.9Cr
Non Interest Expense, Total	882.7Cr	865.8Cr	900.8Cr	943.3Cr	988.8Cr
EBT, Excl. Unusual Items	323.3Cr	347Cr	289.1Cr	349.2Cr	399.7Cr
Restructuring Charges	30L	-7.8Cr	-59Cr	-9.7Cr	-33Cr
Total Merger & Related Restructuring Charges	-6.5Cr	-6.5Cr	1.5Cr	-	-
Legal Settlements	-	-	-	-	-
Other Unusual Items	-	-	-	-	6Cr
EBT, Incl. Unusual Items	317.1Cr	332.7Cr	231.6Cr	339.5Cr	373.1Cr
Income Tax Expense	48Cr	55Cr	37Cr	71Cr	79Cr
Earnings From Continuing Operations	269.3Cr	277.4Cr	194.4Cr	268.7Cr	294.5Cr
Net Income to Company	269.3Cr	277.4Cr	194.4Cr	268.7Cr	294.5Cr
Minority Interest	-	-	-	-	-
Net Income - (IS)	269.3Cr	277.4Cr	194.4Cr	268.7Cr	294.5Cr
Preferred Dividend and Other Adjustments	12Cr	11Cr	12Cr	20Cr	23Cr
Net Income to Common Incl Extra Items	257.2Cr	266Cr	182.1Cr	248.3Cr	271.7Cr
Net Income to Common Excl. Extra Items	257.2Cr	266Cr	182.1Cr	248.3Cr	271.7Cr
Per Share Items
Net EPS - Basic	7.3	7.28	5.65	8.34	9.55
Basic EPS - Continuing Operations	7.3	7.28	5.65	8.34	9.55
Basic Weighted Average Shares Outstanding	35Cr	37Cr	32Cr	30Cr	28Cr
Net EPS - Diluted	7.19	7.19	5.58	8.21	9.4
Diluted EPS - Continuing Operations	7.19	7.19	5.58	8.21	9.4
Diluted Weighted Average Shares Outstanding	36Cr	37Cr	33Cr	30Cr	29Cr
Normalized Basic EPS	5.73	5.94	5.61	7.33	8.78
Normalized Diluted EPS	5.64	5.86	5.53	7.22	8.64
Dividend Per Share	2.18	2.4	2.64	2.9	3.2
Payout Ratio	32.16	35.04	49.9	38.44	38.03
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	15.07	16.62	16.06	20.85	21.07
Current Domestic Taxes	31Cr	27Cr	24Cr	18Cr	47Cr
Current Foreign Taxes	33Cr	34Cr	32Cr	39Cr	40Cr
Total Current Taxes	64Cr	62Cr	56Cr	56Cr	88Cr
Deferred Domestic Taxes	-16Cr	-1.8Cr	-14Cr	7.9Cr	-13Cr
Deferred Foreign Taxes	-30L	-4.4Cr	-4.4Cr	6.6Cr	4.5Cr
Total Deferred Taxes	-16Cr	-6.2Cr	-18Cr	14Cr	-8.9Cr
Normalized Net Income	202.06Cr	216.88Cr	180.69Cr	218.25Cr	249.81Cr
Non-Cash Pension Expense	2.7Cr	2.1Cr	1.6Cr	1.7Cr	1.6Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	26Cr	24Cr	21Cr	22Cr	27Cr
Stock-Based Comp., Other (Total)	-50L	2.1Cr	1.2Cr	30L	1.8Cr
Total Stock-Based Compensation	25Cr	26Cr	22Cr	23Cr	29Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	363.1Cr	397Cr	404.7Cr	314.5Cr	443.3Cr
Investment Securities, Total	17TCr	16TCr	15TCr	18TCr	19TCr
Trading Asset Securities, Total	486.6Cr	831.4Cr	608Cr	1.2TCr	498.2Cr
Mortgage Backed Securities	5.4TCr	5.28TCr	5.23TCr	4.91TCr	5.1TCr
Total investments	23TCr	22TCr	21TCr	24TCr	25TCr
Gross Loans	3.25TCr	3.22TCr	3.66TCr	4.32TCr	4.68TCr
Allowance For Loan Losses	-8.7Cr	-9.7Cr	-14Cr	-17Cr	-19Cr
Other Adjustments to Gross Loans	-	-	-	-	-
Net Loans	3.24TCr	3.21TCr	3.65TCr	4.3TCr	4.66TCr
Gross Property Plant And Equipment	819.4Cr	856Cr	926.6Cr	999.4Cr	1.11TCr
Accumulated Depreciation	-539.1Cr	-574.5Cr	-606.2Cr	-646.1Cr	-704.6Cr
Net Property Plant And Equipment	280.3Cr	281.5Cr	320.4Cr	353.3Cr	403.9Cr
Goodwill	762.1Cr	749.5Cr	761.1Cr	769.1Cr	815.9Cr
Other Intangibles, Total	181.6Cr	154.4Cr	132Cr	108.9Cr	94Cr
Accrued Interest Receivable	52Cr	80Cr	108.6Cr	95Cr	88Cr
Other Receivables	331.3Cr	326.9Cr	357.7Cr	372.8Cr	438.7Cr
Other Current Assets, Total	244.2Cr	403.7Cr	587.1Cr	505.1Cr	411.2Cr
Deferred Tax Assets Long-Term (Collected)	25Cr	112.7Cr	103.4Cr	70Cr	63Cr
Other Long-Term Assets, Total	2.66TCr	2.07TCr	2.8TCr	4.28TCr	4.41TCr
Total Assets	31TCr	30TCr	30TCr	35TCr	37TCr
Liabilities
Accrued Expenses, Total	654.3Cr	732.8Cr	750.9Cr	727.2Cr	784.4Cr
Interest Bearing Deposits	20TCr	19TCr	19TCr	23TCr	24TCr
Institutional Deposits	-	-	-	-	-
Non-Interest Bearing Deposits	5.65TCr	4.68TCr	3.26TCr	3.32TCr	3.53TCr
Total Deposits	26TCr	24TCr	22TCr	26TCr	27TCr
Short-Term Borrowings	1.15TCr	1.77TCr	2.52TCr	3.44TCr	2.99TCr
Current Portion of Long-Term Debt	-	199.1Cr	98Cr	128.5Cr	384.7Cr
Current Portion of Leases	23Cr	24Cr	22Cr	24Cr	21Cr
Long-Term Debt	1.33TCr	1.28TCr	1.77TCr	2.19TCr	2.12TCr
Long-Term Leases	62Cr	57Cr	74Cr	68Cr	76Cr
Other Current Liabilities - (Bank / Utility Template)	-	-	-	-	-
Unearned Revenue Non Current	-	14Cr	13Cr	14Cr	13Cr
Pension & Other Post Retirement Benefits	4.5Cr	3.4Cr	2.6Cr	2Cr	1.8Cr
Total Liabilities	29TCr	28TCr	27TCr	33TCr	34TCr
Preferred Stock Redeemable	197.6Cr	197.6Cr	197.6Cr	281.6Cr	355.9Cr
Total Preferred Equity	197.6Cr	197.6Cr	197.6Cr	281.6Cr	355.9Cr
Common Stock, Total	50Cr	50Cr	50Cr	50Cr	50Cr
Retained Earnings	2.52TCr	2.7TCr	2.8TCr	2.96TCr	3.14TCr
Treasury Stock	-1TCr	-1.13TCr	-1.5TCr	-1.62TCr	-1.73TCr
Comprehensive Income and Other	965.4Cr	701.9Cr	838.7Cr	862.2Cr	966.2Cr
Total Common Equity	2.54TCr	2.32TCr	2.18TCr	2.25TCr	2.43TCr
Total Equity	2.74TCr	2.52TCr	2.38TCr	2.53TCr	2.78TCr
Total Liabilities And Equity	31TCr	30TCr	30TCr	35TCr	37TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	37Cr	34Cr	30Cr	29Cr	28Cr
ECS Total Common Shares Outstanding	37Cr	35Cr	30Cr	29Cr	28Cr
Book Value / Share	69.37	66.51	72.27	77.95	87.01
Tangible Book Value	1.6TCr	1.42TCr	1.29TCr	1.37TCr	1.52TCr
Tangible Book Value Per Share	43.58	40.62	42.7	47.55	54.42
Average Assets	30TCr	29TCr	27TCr	31TCr	34TCr
Average Loans	3.1TCr	3.51TCr	3.48TCr	3.97TCr	4.58TCr
Total Debt	2.56TCr	3.33TCr	4.48TCr	5.86TCr	5.59TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	151.2Cr	111.3Cr	118.5Cr	111.9Cr	112.8Cr
Net Debt	-9.22TCr	-8.58TCr	-5.97TCr	-7.62TCr	-8.73TCr
Equity Method Investments, Total	316.2Cr	324.5Cr	298.1Cr	331.7Cr	375.3Cr
Full Time Employees	38.78T	42.23T	46.45T	52.63T	51.5T
Number Of Offices	-	112	114	105	101
Assets under Capital Lease - Gross	-	-	-	-	-
Assets under Capital Lease - Accumulated Depreciation	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	269.3Cr	277.4Cr	194.4Cr	268.7Cr	294.5Cr
Depreciation, Depletion & Amortization	131.2Cr	92Cr	64Cr	38Cr	89Cr
Amortization of Goodwill and Intangible Assets - (CF)	24Cr	24Cr	24Cr	23Cr	22Cr
Total Depreciation, Depletion & Amortization	155.7Cr	115.6Cr	88Cr	60Cr	111.5Cr
(Gain) Loss on Sale of Investments - (CF)	-5.7Cr	20L	29Cr	7.9Cr	-40L
Restructuring Activities	-	-	-	-	-
Provision for Credit Losses	-3.3Cr	2Cr	4.6Cr	7.5Cr	5.9Cr
Change in Trading Asset Securities	5.7Cr	11Cr	-12Cr	50L	-5.9Cr
Changes in Accrued Interest Receivable	-17Cr	-16Cr	-36Cr	-22Cr	-35Cr
Change in Other Net Operating Assets (Collected)	-1.1TCr	767.4Cr	-206.7Cr	-1.69TCr	843.2Cr
Other Operating Activities	24Cr	38Cr	7.3Cr	45Cr	-24Cr
Cash from Operations	-671Cr	1.2TCr	69Cr	-1.32TCr	1.19TCr
Capital Expenditure	-81Cr	-73Cr	-82Cr	-93Cr	-105.5Cr
Cash Acquisitions	-35Cr	-	-6.1Cr	-19Cr	-29Cr
Divestitures	1.3Cr	-	-	-	-
Investment in Marketable and Equity Securities, Total	333.8Cr	738Cr	1.77TCr	-3.09TCr	-964.3Cr
Net (Increase) Decrease in Loans Originated / Sold - Investing	-460.7Cr	12Cr	-424Cr	-712.3Cr	-265.1Cr
Other Investing Activities, Total	24Cr	5.1Cr	12Cr	-33Cr	64Cr
Cash from Investing	-217.2Cr	681.6Cr	1.27TCr	-3.95TCr	-1.3TCr
Short Term Debt Issued, Total	-	196.9Cr	225.3Cr	799.4Cr	-
Long-Term Debt Issued, Total	134.3Cr	373.1Cr	622.1Cr	652.3Cr	572.2Cr
Total Debt Issued	134.3Cr	570Cr	847.4Cr	1.45TCr	572.2Cr
Short Term Debt Repaid, Total	-569.7Cr	-40Cr	-	-	-885.8Cr
Long-Term Debt Repaid, Total	-144.3Cr	-156.7Cr	-254.5Cr	-204.6Cr	-414.3Cr
Total Debt Repaid	-714Cr	-196.5Cr	-254.5Cr	-204.6Cr	-1.3TCr
Issuance of Common Stock	190Cr	-	-	-	-
Repurchase of Common Stock	-94Cr	-162.3Cr	-387.6Cr	-140.2Cr	-130.6Cr
Issuance of Preferred Stock	-	-	-	232.3Cr	74Cr
Repurchase of Preferred Stock	-50Cr	-	-	-150Cr	-
Common & Preferred Stock Dividends Paid	-87Cr	-97Cr	-97Cr	-103.3Cr	-112Cr
Common & Preferred Stock Dividends Paid	-87Cr	-97Cr	-97Cr	-103.3Cr	-112Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	1.52TCr	-1.96TCr	-1.45TCr	4.1TCr	1.14TCr
Other Financing Activities, Total	-	-	5.7Cr	-2Cr	-2Cr
Cash from Financing	904.6Cr	-1.84TCr	-1.34TCr	5.18TCr	238.1Cr
Net Change in Cash	16Cr	34Cr	7.7Cr	-90Cr	128.8Cr
Supplemental Items
Cash Interest Paid	3.7Cr	135.4Cr	618.4Cr	895.1Cr	880.5Cr
Cash Income Tax Paid (Refund)	56Cr	44Cr	42Cr	45Cr	59Cr
Net Debt Issued / Repaid	-579.7Cr	373.5Cr	592.9Cr	1.25TCr	-727.9Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.86	0.9	0.65	0.83	0.82
Return On Equity %	10.06	10.56	7.94	10.94	11.08
Return on Common Equity	10.47	10.95	8.09	11.2	11.61
Shareholders Value Added	2.98Cr	19Cr	-16Cr	32Cr	56Cr
Margin Analysis
SG&A Margin	55.85	53.37	57.25	54.99	53.91
Net Interest Income / Total Revenues %	15.8	20.98	23.19	22.62	21.32
EBT Excl. Non-Recurring Items Margin %	26.81	28.61	24.3	27.02	28.79
Income From Continuing Operations Margin %	22.33	22.87	16.34	20.79	21.21
Net Income Margin %	22.33	22.87	16.34	20.79	21.21
Net Avail. For Common Margin %	21.33	21.93	15.3	19.21	19.57
Normalized Net Income Margin	16.75	17.88	15.18	16.89	17.99
Asset quality
Nonperforming Loans / Total Loans %	-	-	0.19	0.44	0.55
Nonperforming Loans / Total Assets %	-	-	0.02	0.05	0.07
Nonperforming Assets / Total Assets %	-	-	0.02	0.05	0.07
NPAs / Loans and OREO	-	-	0.19	0.44	0.55
NPAs / Equity	-	-	0.29	0.75	0.93
Allowance for Credit Losses / Net Charge-offs %	4.35T	1.39T	794.12	414.29	494.87
Allowance for Credit Losses / Nonperforming Loans %	-	-	192.86	91.1	74.81
Allowance for Credit Losses / Total Loans %	0.27	0.3	0.37	0.4	0.41
Net Charge-offs / Total Average Loans %	0.01	0.02	0.05	0.11	0.09
Provision for Loan Losses / Net Charge-offs %	-1.65T	285.71	270.59	178.57	151.28
Earning Assets / IBL	125.25	125.64	115.96	110.93	109.55
Interest Income / Average Assets	0.64	1.43	3.34	3.84	3.39
Interest Expense / Average Assets	0	0.54	2.34	2.9	2.53
Net Interest Income / Average Assets	0.64	0.89	1	0.94	0.86
Non Interest Income / Average Assets	3.38	3.35	3.34	3.23	3.2
Non Interest Expense / Average Asset	2.94	3.02	3.28	3.03	2.88
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.8	7.89	7.52	6.82	6.51
Total Average Equity / Total Average Assets %	8.51	8.53	8.18	7.55	7.39
Total Equity + Allowance for Loan Losses / Total Loans %	84.38	78.66	65.34	59.03	59.92
Gross Loans / Total Deposits %	12.76	13.65	16.58	16.49	17.05
Net Loans / Total Deposits %	12.72	13.61	16.52	16.43	16.98
Tier 1 Capital Ratio %	16.1	15.4	13.4	13.2	14.4
Total Capital Ratio %	17.5	16.8	15.2	14.8	16.1
Core Tier 1 Capital Ratio	14.3	13.6	11.6	10.9	11.6
Tier 2 Capital Ratio	1.43	1.4	1.81	1.62	1.63
Coverage Ratio	-	-	-	-	-
Leverage Ratio %	6.1	6	5.5	5.2	5.5
Interbank Ratio	6.94T	9.07T	5.05T	3.25T	15.9T
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.06T	3.15	1.36	1.37	1.43
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-13.41	33.54	8.45	5.94	1.27
Non Interest Income, 1 Yr. Growth %	6.51	-5.12	-4.35	9.7	9
Provision For Loan Losses, 1 Yr. Growth %	-137.5	-160.61	130	63.04	-21.33
Total Revenues, 1 Yr. Growth %	3.83	0.56	-1.89	8.62	7.43
Earnings From Cont. Operations, 1 Yr. Growth %	11.28	3.01	-29.92	38.22	9.6
Net Income, 1 Yr. Growth %	11.28	3.01	-29.92	38.22	9.6
Normalized Net Income, 1 Yr. Growth %	4.9	7.33	-16.69	20.79	14.46
Diluted EPS Before Extra, 1 Yr. Growth %	13.77	0	-22.39	47.13	14.49
Dividend Per Share, 1 Yr. Growth %	4.81	10.09	10	9.85	10.34
Gross Loans, 1 Yr. Growth %	16.5	-1.17	13.94	17.93	8.29
Allowance For Loan Losses, 1 Yr. Growth %	-28.69	11.49	39.18	28.89	10.92
Net Loans, 1 Yr. Growth %	16.7	-1.21	13.86	17.89	8.28
Non Performing Loans, 1 Yr. Growth %	-	-	-	172.86	35.08
Non Performing Assets, 1 Yr. Growth %	-	-	-	172.86	35.08
Total Assets, 1 Yr. Growth %	-0.03	-4.19	-1.39	18.83	3.63
Total Deposits, 1 Yr Growth %	6.35	-7.67	-6.16	18.53	4.75
Tangible Book Value, 1 Yr. Growth %	12.17	-11.12	-9.06	6.5	10.62
Average Interest Earning Assets, 1 Yr. Growth %	13.61	-4.92	-6.56	15.17	10.77
Average Interest Bearing Liabilities, 1 Yr. Growth %	11.12	-5.22	1.25	20.39	12.17
Common Equity, 1 Yr. Growth %	6.99	-8.56	-6	3.15	7.87
Total Equity, 1 Yr. Growth %	4.44	-7.94	-5.53	6.42	9.93
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-13.84	7.53	20.34	7.19	3.58
Non Interest Income, 2 Yr. CAGR %	4.95	0.53	-4.74	2.43	9.35
Provision For Loan Losses, 2 Yr. CAGR %	81.66	-52.33	18.07	93.65	13.25
Total Revenues, 2 Yr. CAGR %	1.33	2.18	-0.67	3.23	8.02
Earnings From Cont. Operations, 2 Yr. CAGR %	9.6	7.06	-15.04	-1.58	23.08
Net Income, 2 Yr. CAGR %	9.6	7.06	-15.04	-1.58	23.08
Normalized Net Income, 2 Yr. CAGR %	5.6	6.11	-5.44	0.32	17.28
Diluted EPS Before Extra, 2 Yr. CAGR %	15.6	6.66	-11.9	6.86	29.79
Dividend Per Share, 2 Yr. CAGR %	4.93	7.42	10.05	9.92	10.1
Gross Loans, 2 Yr. CAGR %	11.2	7.3	6.11	15.92	13.01
Allowance For Loan Losses, 2 Yr. CAGR %	8.43	-10.83	24.57	33.93	19.57
Net Loans, 2 Yr. CAGR %	11.21	7.37	6.06	15.86	12.98
Non Performing Loans, 2 Yr. CAGR %	-	-	-	-	91.98
Non Performing Assets, 2 Yr. CAGR %	-	-	-	-	91.98
Total Assets, 2 Yr. CAGR %	13.18	-2.13	-2.8	8.25	10.97
Total Deposits, 2 Yr CAGR %	18.42	-0.91	-6.92	5.47	11.43
Tangible Book Value, 2 Yr. CAGR %	15.86	-0.15	-10.1	-1.59	8.54
Average Interest Earning Assets, 2 Yr. CAGR %	19.57	3.93	-5.74	3.74	12.95
Average Interest Bearing Liabilities, 2 Yr. CAGR %	18.61	2.62	-2.04	10.4	16.21
Common Equity, 2 Yr. CAGR %	8.74	-1.09	-7.28	-1.53	5.48
Total Equity, 2 Yr. CAGR %	5.83	-1.94	-6.74	0.27	8.16
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-10.65	-0.29	7.84	15.34	5.18
Non Interest Income, 3 Yr. CAGR %	2.28	1.48	-1.12	-0.15	4.58
Provision For Loan Losses, 3 Yr. CAGR %	30.06	25.99	-19.45	31.48	43.42
Total Revenues, 3 Yr. CAGR %	-0.15	1.07	0.81	2.34	4.61
Earnings From Cont. Operations, 3 Yr. CAGR %	1.27	7.36	-7.04	-0.07	2.01
Net Income, 3 Yr. CAGR %	1.27	7.36	-7.04	-0.07	2.01
Normalized Net Income, 3 Yr. CAGR %	-1.9	6.18	-2.11	2.6	4.83
Diluted EPS Before Extra, 3 Yr. CAGR %	4.01	10.15	-4.07	4.52	9.35
Dividend Per Share, 3 Yr. CAGR %	6.99	6.62	8.27	9.98	10.06
Gross Loans, 3 Yr. CAGR %	8.05	6.91	9.47	9.92	13.32
Allowance For Loan Losses, 3 Yr. CAGR %	9.1	9.44	3.43	25.99	25.78
Net Loans, 3 Yr. CAGR %	8.05	6.9	9.49	9.87	13.28
Non Performing Assets, 3 Yr. CAGR %	-	-	-	-	-
Total Assets, 3 Yr. CAGR %	8.75	7.07	-1.88	3.93	6.69
Total Deposits, 3 Yr CAGR %	12.24	8.99	-2.69	0.89	5.23
Tangible Book Value, 3 Yr. CAGR %	12.4	6.06	-3.21	-4.87	2.33
Average Interest Earning Assets, 3 Yr. CAGR %	11.89	10.77	0.31	0.77	6.03
Average Interest Bearing Liabilities, 3 Yr. CAGR %	12.82	10.07	2.16	4.93	10.99
Common Equity, 3 Yr. CAGR %	6.45	2.64	-2.75	-3.93	1.51
Total Equity, 3 Yr. CAGR %	3.42	1.03	-3.15	-2.55	3.39
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-1.78	2	0.65	2.64	6.11
Non Interest Income, 5 Yr. CAGR %	4.5	1.39	-0.59	1.86	2.94
Provision For Loan Losses, 5 Yr. CAGR %	26.97	58.49	25.12	49.63	-7.68
Total Revenues, 5 Yr. CAGR %	3.41	1.49	-0.36	1.93	3.63
Earnings From Cont. Operations, 5 Yr. CAGR %	4.68	5.17	-5.6	3.69	4
Net Income, 5 Yr. CAGR %	4.68	5.17	-5.6	3.69	4
Normalized Net Income, 5 Yr. CAGR %	6.31	1.25	-3.33	3.79	5.34
Diluted EPS Before Extra, 5 Yr. CAGR %	7.66	6.74	-2.67	8.82	8.26
Dividend Per Share, 5 Yr. CAGR %	8.65	8.45	8.2	7.93	9
Gross Loans, 5 Yr. CAGR %	10.17	6.66	7.27	10.43	10.87
Allowance For Loan Losses, 5 Yr. CAGR %	10.42	12.43	15.04	18.65	9.61
Net Loans, 5 Yr. CAGR %	10.49	6.64	7.25	10.4	10.88
Non Performing Loans, 5 Yr. CAGR %	-	-	-	-	-
Non Performing Assets, 5 Yr. CAGR %	-	-	-	-	-
Total Assets, 5 Yr. CAGR %	5.33	4.8	3.98	7.54	3.07
Total Deposits, 5 Yr CAGR %	6.38	4.95	4.14	7.57	2.73
Tangible Book Value, 5 Yr. CAGR %	8.81	4.3	2.8	2.93	1.33
Average Interest Earning Assets, 5 Yr. CAGR %	5.48	5.27	4.47	7.9	5.19
Average Interest Bearing Liabilities, 5 Yr. CAGR %	6.97	6.48	6.62	10.2	7.56
Common Equity, 5 Yr. CAGR %	7.09	3.96	0.73	0.95	0.46
Total Equity, 5 Yr. CAGR %	5.22	2.45	-0.77	0.72	1.22