Cash flow Sumitomo Mitsui Financial Group, Inc.

Equities

8316

JP3890350006

Banks

Market Closed - Japan Exchange Other stock markets 12:00:00 15/05/2026 pm IST			5-day change	1st Jan Change
5,702.00 ^JPY	+0.48%		+2.81%	+13.11%

15/05	Japan's megabanks rake in record profits, forecast further gains	RE
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Published financial data: SUMITOMO MITSUI FINANCIAL GROUP, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	1,78000Cr	1,74800Cr	3,69600Cr	5,94400Cr	6,71700Cr
Interest Income On Investments	-	-	-	-	-
Interest Income, Total	1,78000Cr	1,74800Cr	3,69600Cr	5,94400Cr	6,71700Cr
Interest On Deposits	40TCr	30TCr	1,94100Cr	4,05400Cr	4,20200Cr
Total Interest On Borrowings	-	-	-	-	-
Interest Expense, Total	40TCr	30TCr	1,94100Cr	4,05400Cr	4,20200Cr
Net Interest Income	1,38300Cr	1,44400Cr	1,75500Cr	1,89100Cr	2,51400Cr
Trust Income	-	-	-	-	-
Income From Trading Activities	24TCr	28TCr	63TCr	35TCr	-19TCr
Gain (Loss) on Sale of Assets	-14Cr	-242Cr	-1.45TCr	-9.36TCr	-1.29TCr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	36TCr	13TCr	5.06TCr	15TCr	-17TCr
Income (Loss) on Equity Invest. (Income Block)	-	-	-	-	-
Total Other Non Interest Income	1,17000Cr	1,23900Cr	1,29900Cr	1,46700Cr	1,53700Cr
Non Interest Income, Total	1,76500Cr	1,64700Cr	1,96100Cr	1,86900Cr	1,17200Cr
Revenues Before Provison For Loan Losses	3,14800Cr	3,09100Cr	3,71600Cr	3,76000Cr	3,68600Cr
Provision For Loan Losses	28TCr	28TCr	15TCr	21TCr	41TCr
Total Revenues	2,86600Cr	2,81100Cr	3,56800Cr	3,55500Cr	3,27500Cr
Salaries And Other Employee Benefits	93Cr	129.6Cr	143.8Cr	108.1Cr	259.8Cr
Selling General & Admin Expenses, Total	1,61800Cr	1,74100Cr	1,91000Cr	2,15800Cr	2,30300Cr
(Income) Loss on Equity Invest.	-3.64TCr	1.08TCr	-8.74TCr	-16TCr	-14TCr
Total Other Non Interest Expense	27TCr	28TCr	31TCr	33TCr	43TCr
Non Interest Expense, Total	1,85600Cr	2,03500Cr	2,13900Cr	2,33300Cr	2,59700Cr
EBT, Excl. Unusual Items	1,01000Cr	78TCr	1,42900Cr	1,22200Cr	68TCr
Total Merger & Related Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-4.24TCr	-	-13TCr	-	-803.2Cr
Asset Writedown	-1.14TCr	-9.95TCr	-4.1TCr	-1.38TCr	-1.5TCr
Other Unusual Items	40Cr	-	-	-16Cr	-
EBT, Incl. Unusual Items	96TCr	68TCr	1,26200Cr	1,20800Cr	65TCr
Income Tax Expense	25TCr	16TCr	33TCr	31TCr	14TCr
Earnings From Continuing Operations	71TCr	52TCr	94TCr	90TCr	52TCr
Net Income to Company	71TCr	52TCr	94TCr	90TCr	52TCr
Minority Interest	-447.1Cr	-477.1Cr	-1.27TCr	-864.1Cr	-667.6Cr
Net Income - (IS)	70TCr	51TCr	92TCr	89TCr	51TCr
Preferred Dividend and Other Adjustments	1.31TCr	1.07TCr	1.13TCr	1.38TCr	3.16TCr
Net Income to Common Incl Extra Items	69TCr	50TCr	91TCr	87TCr	48TCr
Net Income to Common Excl. Extra Items	69TCr	50TCr	91TCr	87TCr	48TCr
Per Share Items
Net EPS - Basic	167.24	121.49	222.71	219.04	122.4
Basic EPS - Continuing Operations	167.24	121.49	222.71	219.04	122.4
Basic Weighted Average Shares Outstanding	411.06Cr	411.22Cr	409.43Cr	398.71Cr	390.65Cr
Net EPS - Diluted	167.16	121.44	222.63	218.98	122.36
Diluted EPS - Continuing Operations	167.16	121.44	222.63	218.98	122.36
Diluted Weighted Average Shares Outstanding	411.26Cr	411.39Cr	409.57Cr	398.82Cr	390.74Cr
Normalized Basic EPS	152.46	116.78	215.04	189.35	106.66
Normalized Diluted EPS	152.39	116.73	214.96	189.3	106.63
Dividend Per Share	63.33	70	80	90	122
Payout Ratio	40	55.81	33.9	40.78	87.05
American Depositary Receipts Ratio (ADR)	0.6	0.6	0.6	0.6	0.6
Supplemental Items
Effective Tax Rate - (Ratio)	26.28	23.86	25.84	25.84	21.06
Total Current Taxes	21TCr	19TCr	18TCr	37TCr	45TCr
Total Deferred Taxes	4.37TCr	-2.95TCr	14TCr	-5.6TCr	-31TCr
Normalized Net Income	63TCr	48TCr	88TCr	75TCr	42TCr
Non-Cash Pension Expense	-2.94TCr	433.2Cr	-792.2Cr	-623.3Cr	-735.6Cr
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	93Cr	129.6Cr	143.8Cr	108.1Cr	259.8Cr
Total Stock-Based Compensation	93Cr	129.6Cr	143.8Cr	108.1Cr	259.8Cr

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	69,65700Cr	72,19300Cr	73,21300Cr	75,43300Cr	72,99800Cr
Investment Securities, Total	45,30000Cr	47,10100Cr	39,98700Cr	45,98300Cr	57,27500Cr
Trading Asset Securities, Total	6,69700Cr	7,84700Cr	10,60500Cr	13,52800Cr	11,39700Cr
Mortgage Backed Securities	1,65900Cr	1,00600Cr	2,37900Cr	3,54800Cr	4,25200Cr
Total investments	53,65600Cr	55,95300Cr	52,97100Cr	63,05800Cr	72,92400Cr
Gross Loans	1,01,37900Cr	1,07,91900Cr	1,18,82900Cr	1,28,52200Cr	1,32,02500Cr
Allowance For Loan Losses	-85TCr	-99TCr	-86TCr	-98TCr	-1,10300Cr
Other Adjustments to Gross Loans	-26TCr	-32TCr	-39TCr	-49TCr	-53TCr
Net Loans	1,00,26800Cr	1,06,60100Cr	1,17,57600Cr	1,27,05300Cr	1,30,39200Cr
Gross Property Plant And Equipment	2,78700Cr	2,91700Cr	3,09900Cr	2,46000Cr	2,44400Cr
Accumulated Depreciation	-1,03300Cr	-1,15400Cr	-1,26600Cr	-1,11300Cr	-1,12500Cr
Net Property Plant And Equipment	1,75500Cr	1,76300Cr	1,83200Cr	1,34700Cr	1,31900Cr
Goodwill	20TCr	40TCr	27TCr	30TCr	29TCr
Other Intangibles, Total	62TCr	60TCr	63TCr	72TCr	80TCr
Investment in Real Estate	-	-	-	-	-
Accrued Interest Receivable	31TCr	35TCr	58TCr	80TCr	88TCr
Other Receivables	1,32800Cr	1,55000Cr	1,00700Cr	2,55200Cr	3,33400Cr
Restricted Cash	3,89200Cr	4,77100Cr	5,16100Cr	4,93700Cr	4,10900Cr
Other Current Assets, Total	2,12600Cr	2,50700Cr	2,82800Cr	3,11900Cr	3,33100Cr
Deferred Tax Assets Long-Term (Collected)	2.9TCr	5.9TCr	6.58TCr	5.81TCr	6.32TCr
Other Long-Term Assets, Total	1,18600Cr	1,41600Cr	1,55000Cr	1,88600Cr	1,72800Cr
Total Assets	2,35,02500Cr	2,48,16100Cr	2,57,68700Cr	2,81,27200Cr	2,92,16500Cr
Liabilities
Accrued Expenses, Total	2,82500Cr	1,89400Cr	1,94700Cr	3,98700Cr	3,95400Cr
Interest Bearing Deposits	1,27,22400Cr	1,31,62600Cr	1,39,37800Cr	1,44,55800Cr	1,57,08700Cr
Non-Interest Bearing Deposits	28,26900Cr	30,96800Cr	33,55000Cr	37,53900Cr	32,93500Cr
Total Deposits	1,55,49400Cr	1,62,59300Cr	1,72,92800Cr	1,82,09700Cr	1,90,02300Cr
Short-Term Borrowings	9,64600Cr	11,85300Cr	14,70300Cr	17,06100Cr	14,30500Cr
Current Portion of Long-Term Debt	27,54300Cr	29,91300Cr	23,21300Cr	29,26400Cr	36,70000Cr
Current Portion of Leases	8.22TCr	7.61TCr	7.69TCr	8.46TCr	8.15TCr
Long-Term Debt	20,36100Cr	20,82600Cr	22,37200Cr	20,69400Cr	19,03200Cr
Long-Term Leases	30TCr	31TCr	34TCr	34TCr	31TCr
Current Income Taxes Payable	5.37TCr	5.15TCr	4.16TCr	17TCr	24TCr
Other Current Liabilities - (Bank / Utility Template)	2,82400Cr	4,06700Cr	4,35900Cr	6,25400Cr	6,27800Cr
Unearned Revenue Non Current	11TCr	8.65TCr	6.48TCr	7.3TCr	7.26TCr
Pension & Other Post Retirement Benefits	3.89TCr	4.46TCr	3.7TCr	3.94TCr	3.5TCr
Deferred Tax Liability Non-Current	40TCr	26TCr	32TCr	68TCr	27TCr
Other Non Current Liabilities	3,07600Cr	3,40700Cr	3,75100Cr	4,25000Cr	4,37800Cr
Total Liabilities	2,22,74900Cr	2,35,37900Cr	2,44,15000Cr	2,64,99300Cr	2,75,67600Cr
Common Stock, Total	2,34100Cr	2,34200Cr	2,34300Cr	2,34400Cr	2,34600Cr
Additional Paid In Capital	72TCr	65TCr	65TCr	66TCr	66TCr
Retained Earnings	6,07800Cr	6,43500Cr	7,19900Cr	7,76900Cr	7,83700Cr
Treasury Stock	-1.37TCr	-1.34TCr	-15TCr	-17TCr	-3.85TCr
Comprehensive Income and Other	3,07900Cr	3,28000Cr	3,39500Cr	5,53300Cr	5,53200Cr
Total Common Equity	12,20800Cr	12,68800Cr	13,43100Cr	16,14200Cr	16,33900Cr
Minority Interest	6.84TCr	9.33TCr	11TCr	14TCr	15TCr
Total Equity	12,27600Cr	12,78200Cr	13,53700Cr	16,27900Cr	16,48900Cr
Total Liabilities And Equity	2,35,02500Cr	2,48,16100Cr	2,57,68700Cr	2,81,27200Cr	2,92,16500Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	411.13Cr	411.25Cr	403.39Cr	394.18Cr	387.38Cr
ECS Total Common Shares Outstanding	411.13Cr	411.25Cr	403.39Cr	394.18Cr	387.38Cr
Book Value / Share	2.97T	3.09T	3.14T	3.72T	3.74T
Tangible Book Value	11,38800Cr	11,69600Cr	12,52600Cr	15,11600Cr	15,24700Cr
Tangible Book Value Per Share	2.77T	2.84T	2.92T	3.46T	3.45T
Average Assets	2,16,24700Cr	2,31,35100Cr	2,54,67800Cr	2,70,74300Cr	2,87,84300Cr
Average Loans	1,09,36200Cr	1,12,89400Cr	1,30,75200Cr	1,36,89300Cr	1,48,13400Cr
Total Debt	57,93200Cr	62,97500Cr	60,70500Cr	67,44100Cr	70,43100Cr
Deposits at Interest - Cash	70,76900Cr	73,42700Cr	73,99200Cr	76,65000Cr	74,33500Cr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-48TCr	-53TCr	-64TCr	-83TCr	-92TCr
Net Debt	-31,70300Cr	-29,72200Cr	-35,25800Cr	-36,98100Cr	-37,45900Cr
Equity Method Investments, Total	89TCr	1,01000Cr	1,14100Cr	1,55300Cr	1,58900Cr
Full Time Employees	86.8T	1L	1L	1L	1L
Number Of Offices	1.6T	1.47T	1.35T	1.19T	1.03T

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	96TCr	68TCr	1,26200Cr	1,20800Cr	65TCr
Depreciation, Depletion & Amortization	16TCr	16TCr	16TCr	16TCr	14TCr
Amortization of Goodwill and Intangible Assets - (CF)	15TCr	16TCr	1.98TCr	2.74TCr	2.7TCr
Total Depreciation, Depletion & Amortization	31TCr	32TCr	18TCr	18TCr	17TCr
Amortization of Deferred Charges, Total	-	-	14TCr	16TCr	17TCr
(Gain) Loss On Sale of Asset - (CF)	-	-	-	-	-
(Gain) Loss on Sale of Investments - (CF)	-32TCr	-6.95TCr	2.2TCr	-19TCr	9.67TCr
Total Asset Writedown	-	-	-	-	-
Provision for Credit Losses	28TCr	27TCr	14TCr	22TCr	38TCr
(Income) Loss On Equity Investments - (CF)	-3.64TCr	1.08TCr	-8.74TCr	-16TCr	-14TCr
Change in Trading Asset Securities	42TCr	1,64700Cr	1,01900Cr	20TCr	-1,11400Cr
Change in Other Net Operating Assets (Collected)	65TCr	-2,00600Cr	-15,48500Cr	-6,89400Cr	-6,25500Cr
Other Operating Activities	-64TCr	-1,84500Cr	-2,00500Cr	-1,61100Cr	1,05900Cr
Cash from Operations	1,61400Cr	-1LCr	-14,81500Cr	-6,88500Cr	-4,98600Cr
Capital Expenditure	-11TCr	-8.14TCr	-8.8TCr	-12TCr	-9.85TCr
Sale of Property, Plant, and Equipment	2.31TCr	28Cr	-	196.4Cr	701.6Cr
Cash Acquisitions	-357Cr	-22TCr	-	-999.3Cr	-1.46TCr
Divestitures	-	-	-	7.15TCr	127.2Cr
Purchase / Sale of Intangible Assets	-18TCr	-19TCr	-20TCr	-24TCr	-26TCr
Sale (Purchase) of Real Estate Properties (Collected)	-	-	874Cr	-	-
Investment in Marketable and Equity Securities, Total	-7,51100Cr	-2,17200Cr	6,07800Cr	-52TCr	-4,17000Cr
Other Investing Activities, Total	10L	-10L	-20L	-40L	-40L
Cash from Investing	-7,78100Cr	-2,66300Cr	5,79900Cr	-82TCr	-4,53100Cr
Long-Term Debt Issued, Total	9.01TCr	9.55TCr	10TCr	27TCr	25TCr
Total Debt Issued	9.01TCr	9.55TCr	10TCr	27TCr	25TCr
Long-Term Debt Repaid, Total	-46TCr	-49TCr	-14TCr	-12TCr	-57TCr
Total Debt Repaid	-46TCr	-49TCr	-14TCr	-12TCr	-57TCr
Issuance of Common Stock	10TCr	8.53TCr	12TCr	70TCr	41TCr
Repurchase of Common Stock	-14TCr	-	-22TCr	-21TCr	-26TCr
Common Dividends Paid	-28TCr	-28TCr	-31TCr	-36TCr	-44TCr
Common & Preferred Stock Dividends Paid	-28TCr	-28TCr	-31TCr	-36TCr	-44TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	16,70800Cr	6,09800Cr	9,57500Cr	7,92100Cr	8,05200Cr
Other Financing Activities, Total	-114.5Cr	-51Cr	-167.1Cr	-11TCr	-595.7Cr
Cash from Financing	16,02400Cr	5,50000Cr	9,11500Cr	8,08800Cr	7,44000Cr
Foreign Exchange Rate Adjustments	49TCr	96TCr	90TCr	1,70700Cr	-11TCr
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	10,34500Cr	2,79500Cr	1,00000Cr	2,09400Cr	-2,18800Cr
Supplemental Items
Cash Interest Paid	44TCr	30TCr	1,79400Cr	3,90200Cr	4,20800Cr
Cash Income Tax Paid (Refund)	14TCr	27TCr	39TCr	20TCr	49TCr
Net Debt Issued / Repaid	-37TCr	-40TCr	-3.86TCr	15TCr	-32TCr

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.32	0.21	0.37	0.33	0.18
Return On Equity %	6.08	4.11	7.11	6.01	3.15
Return on Common Equity	5.96	4.01	6.98	5.91	2.94
Shareholders Value Added	-53TCr	-82TCr	-62TCr	-86TCr	-1,41200Cr
Margin Analysis
SG&A Margin	56.49	61.98	53.58	60.74	70.42
Net Interest Income / Total Revenues %	48.26	51.37	49.19	53.19	76.78
EBT Excl. Non-Recurring Items Margin %	35.24	27.61	40.05	34.37	20.68
Income From Continuing Operations Margin %	24.6	18.32	26.23	25.2	15.77
Net Income Margin %	24.45	18.15	25.87	24.95	15.57
Net Avail. For Common Margin %	23.99	17.77	25.56	24.57	14.6
Normalized Net Income Margin	21.87	17.08	24.68	21.24	12.72
Asset quality
Nonperforming Loans / Total Loans %	1.16	1.3	0.99	1.04	0.98
Nonperforming Loans / Total Assets %	0.5	0.57	0.45	0.48	0.44
Nonperforming Assets / Total Assets %	0.5	0.57	0.45	0.48	0.44
NPAs / Loans and OREO	1.16	1.3	0.99	1.04	0.98
NPAs / Equity	9.54	11	8.65	8.22	7.83
Allowance for Credit Losses / Net Charge-offs %	570.75	648.42	294.58	583.77	447.94
Allowance for Credit Losses / Nonperforming Loans %	72.49	70.62	73.81	73.14	85.41
Allowance for Credit Losses / Total Loans %	0.84	0.92	0.73	0.76	0.84
Net Charge-offs / Total Average Loans %	0.14	0.14	0.22	0.12	0.17
Provision for Loan Losses / Net Charge-offs %	189.84	182.81	50.61	122.3	167.1
Earning Assets / IBL	83.5	83.81	88.64	89.3	119.6
Interest Income / Average Assets	0.82	0.76	1.45	2.2	2.33
Interest Expense / Average Assets	0.18	0.13	0.76	1.5	1.46
Net Interest Income / Average Assets	0.64	0.62	0.69	0.7	0.87
Non Interest Income / Average Assets	0.82	0.71	0.77	0.69	0.41
Non Interest Expense / Average Asset	0.86	0.88	0.84	0.86	0.9
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.16	5.15	5.16	5.49	5.66
Total Average Equity / Total Average Assets %	5.19	5.19	5.2	5.53	5.71
Total Equity + Allowance for Loan Losses / Total Loans %	12.88	12.68	12.03	13.32	13.21
Gross Loans / Total Deposits %	65.2	66.37	68.72	70.58	69.48
Net Loans / Total Deposits %	64.48	65.56	67.99	69.77	68.62
Tier 1 Capital Ratio %	16.96	15.46	14.94	14.33	14.23
Total Capital Ratio %	18.61	16.56	15.98	15.29	15.18
Core Tier 1 Capital Ratio	16	14.45	14.02	12.91	12.44
Tier 2 Capital Ratio	1.65	1.1	1.04	0.95	0.95
Coverage Ratio	72.49	70.62	73.81	73.14	85.41
Interbank Ratio	454.08	469.33	536.49	510.67	396.7
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	-	-	-	-	-
EBT + Interest Expense / Interest Expense	3.41	3.23	1.65	1.3	1.16
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	5.08	4.4	21.55	7.73	32.99
Non Interest Income, 1 Yr. Growth %	48.48	-6.7	19.09	-4.7	-37.13
Provision For Loan Losses, 1 Yr. Growth %	8.67	-0.89	-46.97	38.15	100.53
Total Revenues, 1 Yr. Growth %	27.64	-1.92	26.93	-0.37	-7.74
Earnings From Cont. Operations, 1 Yr. Growth %	205.25	-26.95	81.69	-4.28	-42.35
Net Income, 1 Yr. Growth %	229.83	-27.16	80.9	-3.9	-42.54
Normalized Net Income, 1 Yr. Growth %	195.22	-23.37	82.84	-14.25	-44.81
Diluted EPS Before Extra, 1 Yr. Growth %	244.92	-27.35	83.33	-1.64	-44.12
Dividend Per Share, 1 Yr. Growth %	0	10.53	14.29	12.5	35.56
Gross Loans, 1 Yr. Growth %	5.01	6.45	10.11	8.16	2.73
Allowance For Loan Losses, 1 Yr. Growth %	20.23	16.93	-12.98	13.3	12.62
Net Loans, 1 Yr. Growth %	4.92	6.32	10.3	8.06	2.63
Non Performing Loans, 1 Yr. Growth %	38.59	20.02	-16.74	14.33	-3.56
Non Performing Assets, 1 Yr. Growth %	38.59	20.02	-16.74	14.33	-3.56
Total Assets, 1 Yr. Growth %	10.78	5.59	3.84	9.15	3.87
Total Deposits, 1 Yr Growth %	12.33	4.57	6.36	5.3	4.35
Tangible Book Value, 1 Yr. Growth %	13.44	2.7	7.1	20.68	0.87
Average Interest Earning Assets, 1 Yr. Growth %	9.32	7.27	13.68	4.69	22.99
Average Interest Bearing Liabilities, 1 Yr. Growth %	7.2	6.87	7.49	3.92	5.84
Common Equity, 1 Yr. Growth %	12.26	3.94	5.85	20.19	1.22
Total Equity, 1 Yr. Growth %	12.27	4.12	5.91	20.26	1.29
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	4.4	4.74	12.65	14.43	19.69
Non Interest Income, 2 Yr. CAGR %	0.75	17.7	5.41	6.53	-22.7
Provision For Loan Losses, 2 Yr. CAGR %	53.63	3.78	-27.5	-14.41	66.44
Total Revenues, 2 Yr. CAGR %	-0.39	11.89	11.58	12.46	-4.19
Earnings From Cont. Operations, 2 Yr. CAGR %	4.34	49.33	15.21	31.87	-25.71
Net Income, 2 Yr. CAGR %	12.48	55	14.79	31.85	-25.69
Normalized Net Income, 2 Yr. CAGR %	13.31	50.41	18.53	25.21	-34.1
Diluted EPS Before Extra, 2 Yr. CAGR %	13.76	58.29	15.4	34.28	-25.86
Dividend Per Share, 2 Yr. CAGR %	2.74	5.13	12.39	13.39	23.49
Gross Loans, 2 Yr. CAGR %	3.84	5.73	8.26	9.13	5.41
Allowance For Loan Losses, 2 Yr. CAGR %	18.48	18.57	0.87	-0.71	12.96
Net Loans, 2 Yr. CAGR %	3.75	5.61	8.29	9.17	5.31
Non Performing Loans, 2 Yr. CAGR %	15.25	28.97	-0.04	-2.44	5.01
Non Performing Assets, 2 Yr. CAGR %	15.25	28.97	-0.04	-2.44	5.01
Total Assets, 2 Yr. CAGR %	9.64	8.15	4.71	6.46	6.48
Total Deposits, 2 Yr CAGR %	7.56	8.38	5.46	5.83	4.83
Tangible Book Value, 2 Yr. CAGR %	4.35	7.94	4.88	13.69	10.33
Average Interest Earning Assets, 2 Yr. CAGR %	6.17	8.29	10.43	9.1	12.77
Average Interest Bearing Liabilities, 2 Yr. CAGR %	5.23	7.04	7.18	5.69	4.87
Common Equity, 2 Yr. CAGR %	4.03	8.02	4.89	12.79	10.3
Total Equity, 2 Yr. CAGR %	2.11	8.12	5.01	12.86	10.36
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	0.27	4.4	10.06	10.98	20.31
Non Interest Income, 3 Yr. CAGR %	-4.69	-1.79	18.16	1.93	-10.73
Provision For Loan Losses, 3 Yr. CAGR %	27.34	32.75	-17.03	-10.12	13.68
Total Revenues, 3 Yr. CAGR %	-4.34	-0.9	16.7	7.45	5.22
Earnings From Cont. Operations, 3 Yr. CAGR %	-7.46	-7.35	59.42	8.31	0.09
Net Income, 3 Yr. CAGR %	-3.09	-2.69	63.19	8.19	-0.04
Normalized Net Income, 3 Yr. CAGR %	0.36	-0.54	60.67	6.4	-4.71
Diluted EPS Before Extra, 3 Yr. CAGR %	-2.34	-2.04	66.23	9.42	0.25
Dividend Per Share, 3 Yr. CAGR %	3.78	5.27	8.1	12.43	20.34
Gross Loans, 3 Yr. CAGR %	4.93	4.71	7.17	8.23	6.95
Allowance For Loan Losses, 3 Yr. CAGR %	19.98	17.96	6.95	4.85	3.55
Net Loans, 3 Yr. CAGR %	4.84	4.6	7.15	8.21	6.95
Non Performing Loans, 3 Yr. CAGR %	10.06	16.82	11.46	4.54	-2.81
Non Performing Assets, 3 Yr. CAGR %	10.06	16.82	11.46	4.54	-2.81
Total Assets, 3 Yr. CAGR %	6.94	8.27	6.7	6.17	5.59
Total Deposits, 3 Yr CAGR %	6.57	6.55	7.7	5.41	5.33
Tangible Book Value, 3 Yr. CAGR %	2.98	3.8	7.66	9.9	9.24
Average Interest Earning Assets, 3 Yr. CAGR %	-	6.53	10.06	8.48	19.05
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	5.77	7.19	6.08	5.74
Common Equity, 3 Yr. CAGR %	2.72	4	7.29	9.76	8.79
Total Equity, 3 Yr. CAGR %	-0.59	2.78	7.37	9.86	8.86
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-0.82	0.65	5.05	8.3	13.82
Non Interest Income, 5 Yr. CAGR %	-3.26	-1.64	-0.77	1.46	-0.29
Provision For Loan Losses, 5 Yr. CAGR %	13.75	5.62	1.65	11.37	9.61
Total Revenues, 5 Yr. CAGR %	-3.23	-1.12	1.73	4.24	7.84
Earnings From Cont. Operations, 5 Yr. CAGR %	-5.84	-7.01	1.02	6.7	17.46
Net Income, 5 Yr. CAGR %	-3.72	-4.3	3.7	9.88	19.13
Normalized Net Income, 5 Yr. CAGR %	-2.87	-0.67	7.27	9.12	14.44
Diluted EPS Before Extra, 5 Yr. CAGR %	-4.12	-4.48	4.4	11.14	20.35
Dividend Per Share, 5 Yr. CAGR %	4.84	6.96	7.14	8.45	14.01
Gross Loans, 5 Yr. CAGR %	5.23	1.93	6.25	6.45	6.46
Allowance For Loan Losses, 5 Yr. CAGR %	6.32	7.85	11.94	10.1	9.31
Net Loans, 5 Yr. CAGR %	5.23	1.87	6.21	6.4	6.41
Non Performing Loans, 5 Yr. CAGR %	4.83	2.73	5.9	8.7	8.83
Non Performing Assets, 5 Yr. CAGR %	4.83	2.73	5.9	8.7	8.83
Total Assets, 5 Yr. CAGR %	4.72	5.36	6.04	7.55	6.61
Total Deposits, 5 Yr CAGR %	4.48	4.53	6.13	6.26	6.54
Tangible Book Value, 5 Yr. CAGR %	7.22	4.72	3.74	7.65	8.72
Average Interest Earning Assets, 5 Yr. CAGR %	2.54	-	-	7.55	14.62
Average Interest Bearing Liabilities, 5 Yr. CAGR %	3.89	-	-	5.74	6.26
Common Equity, 5 Yr. CAGR %	6.48	4.09	3.58	7.43	8.48
Total Equity, 5 Yr. CAGR %	3.28	1.46	1.61	6.7	8.56