Cash flow The PNC Financial Services Group, Inc.

Stocks

PNC

US6934751057

Banks

Market Closed - NYSE Other stock markets 01:30:02 21/07/2026 am IST			5-day change	1st Jan Change
250.14 ^USD	-0.29%		-0.70%	+19.84%

20/07	Citigroup Adjusts Price Target on PNC Financial to $290 From $280, Maintains Buy Rating	MT
17/07	Evercore ISI Adjusts Price Target on PNC Financial Services to $285 From $280, Maintains Outperform Rating	MT

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Published financial data: THE PNC FINANCIAL SERVICES GROUP, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	900.7Cr	1.18TCr	1.83TCr	1.93TCr	1.85TCr
Interest Income On Investments	212.7Cr	364.1Cr	600.9Cr	703.8Cr	683.5Cr
Interest Income, Total	1.11TCr	1.54TCr	2.43TCr	2.64TCr	2.53TCr
Interest On Deposits	13Cr	126.7Cr	660.9Cr	840.1Cr	749.7Cr
Total Interest On Borrowings	36Cr	115.5Cr	378.3Cr	448.4Cr	340Cr
Interest Expense, Total	49Cr	242.2Cr	1.04TCr	1.29TCr	1.09TCr
Net Interest Income	1.06TCr	1.3TCr	1.39TCr	1.35TCr	1.44TCr
Service Charges On Deposits	54Cr	-	-	-	-
Trust Income	96Cr	144.4Cr	141.2Cr	148.5Cr	159.7Cr
Total Mortgage Banking Activities	46Cr	65Cr	62Cr	58Cr	57Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	6.4Cr	-70L	-20L	25Cr	-90L
Total Other Non Interest Income	654.5Cr	602.2Cr	553.9Cr	573.6Cr	653Cr
Non Interest Income, Total	856.4Cr	810.6Cr	757.4Cr	805.6Cr	868.9Cr
Revenues Before Provison For Loan Losses	1.92TCr	2.11TCr	2.15TCr	2.16TCr	2.31TCr
Provision For Loan Losses	-78Cr	48Cr	74Cr	79Cr	78Cr
Total Revenues	2TCr	2.06TCr	2.07TCr	2.08TCr	2.23TCr
Salaries And Other Employee Benefits	714.1Cr	724.4Cr	742.8Cr	730.2Cr	778.2Cr
Selling General & Admin Expenses, Total	267Cr	274.2Cr	274.3Cr	284.3Cr	294.6Cr
Total Other Non Interest Expense	319.1Cr	318.4Cr	384.1Cr	337.9Cr	310.6Cr
Non Interest Expense, Total	1.3TCr	1.32TCr	1.4TCr	1.35TCr	1.38TCr
EBT, Excl. Unusual Items	698.8Cr	747.3Cr	673.6Cr	724.2Cr	848.6Cr
EBT, Incl. Unusual Items	698.8Cr	747.3Cr	673.6Cr	724.2Cr	848.6Cr
Income Tax Expense	126.3Cr	136Cr	108.9Cr	128.9Cr	148.9Cr
Earnings From Continuing Operations	572.5Cr	611.3Cr	564.7Cr	595.3Cr	699.7Cr
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	572.5Cr	611.3Cr	564.7Cr	595.3Cr	699.7Cr
Minority Interest	-5.1Cr	-7.2Cr	-6.9Cr	-6.4Cr	-6.1Cr
Net Income - (IS)	567.4Cr	604.1Cr	557.8Cr	588.9Cr	693.6Cr
Preferred Dividend and Other Adjustments	26Cr	33Cr	45Cr	39Cr	36Cr
Net Income to Common Incl Extra Items	540.9Cr	570.8Cr	512.6Cr	549.6Cr	657.6Cr
Net Income to Common Excl. Extra Items	540.9Cr	570.8Cr	512.6Cr	549.6Cr	657.6Cr
Per Share Items
Net EPS - Basic	12.7	13.85	12.78	13.77	16.61
Basic EPS - Continuing Operations	12.7	13.85	12.78	13.77	16.61
Basic Weighted Average Shares Outstanding	43Cr	41Cr	40Cr	40Cr	40Cr
Net EPS - Diluted	12.7	13.85	12.78	13.74	16.59
Diluted EPS - Continuing Operations	12.7	13.85	12.78	13.74	16.59
Diluted Weighted Average Shares Outstanding	43Cr	41Cr	40Cr	40Cr	40Cr
Normalized Basic EPS	10.13	11.16	10.33	11.18	13.24
Normalized Diluted EPS	10.13	11.16	10.33	11.16	13.24
Dividend Per Share	4.8	5.75	6.1	6.3	6.6
Payout Ratio	40.34	44.56	51.6	49.06	42.43
American Depositary Receipts Ratio (ADR)	0.5	0.5	0.5	0.5	0.5
Supplemental Items
Effective Tax Rate - (Ratio)	18.07	18.2	16.17	17.8	17.55
Current Domestic Taxes	108.5Cr	100.9Cr	134.1Cr	131.9Cr	151.9Cr
Current Foreign Taxes	-	-	-	-	1Cr
Total Current Taxes	108.5Cr	100.9Cr	134.1Cr	131.9Cr	152.9Cr
Deferred Domestic Taxes	18Cr	35Cr	-25Cr	-3Cr	-4.2Cr
Deferred Foreign Taxes	-	-	-	-	20L
Total Deferred Taxes	18Cr	35Cr	-25Cr	-3Cr	-4Cr
Normalized Net Income	431.65Cr	459.86Cr	414.1Cr	446.22Cr	524.28Cr
Non-Cash Pension Expense	-12Cr	-13Cr	-5.9Cr	-10Cr	-5Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	-	-	-	-	-
Total Stock-Based Compensation	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	743.1Cr	644.6Cr	593.6Cr	593.6Cr	675.9Cr
Investment Securities, Total	6.76TCr	6.76TCr	6.51TCr	7.36TCr	7TCr
Trading Asset Securities, Total	547.1Cr	349.7Cr	369.6Cr	359Cr	778.6Cr
Mortgage Backed Securities	7.4TCr	8.06TCr	7.62TCr	7.61TCr	7.91TCr
Total investments	15TCr	15TCr	15TCr	15TCr	16TCr
Gross Loans	29TCr	33TCr	32TCr	32TCr	33TCr
Allowance For Loan Losses	-486.8Cr	-474.1Cr	-479.1Cr	-448.6Cr	-441Cr
Other Adjustments to Gross Loans	-68Cr	-76Cr	-88Cr	-87Cr	-91Cr
Net Loans	28TCr	32TCr	32TCr	31TCr	33TCr
Net Property Plant And Equipment	191.9Cr	185.7Cr	174.5Cr	161.9Cr	169.2Cr
Goodwill	1.09TCr	1.1TCr	1.09TCr	1.09TCr	1.1TCr
Loans Held For Sale	223.1Cr	101Cr	73Cr	85Cr	193.9Cr
Accrued Interest Receivable	102.2Cr	162.6Cr	192.5Cr	187Cr	186.7Cr
Restricted Cash	57Cr	60Cr	98Cr	97Cr	3.3TCr
Other Real Estate Owned And Foreclosed	2.6Cr	3.4Cr	3.6Cr	3.1Cr	14Cr
Other Long-Term Assets, Total	10TCr	6.17TCr	7.75TCr	7.26TCr	3.34TCr
Total Assets	56TCr	56TCr	56TCr	56TCr	57TCr
Liabilities
Accrued Expenses, Total	303.6Cr	637.8Cr	738.5Cr	830.1Cr	689.3Cr
Interest Bearing Deposits	30TCr	31TCr	32TCr	33TCr	35TCr
Institutional Deposits	-	-	-	-	-
Non-Interest Bearing Deposits	16TCr	12TCr	10TCr	9.26TCr	9.17TCr
Total Deposits	46TCr	44TCr	42TCr	43TCr	44TCr
Short-Term Borrowings	98Cr	452.4Cr	353.8Cr	316.8Cr	172.5Cr
Current Portion of Long-Term Debt	718.2Cr	-	-	-	-
Current Portion of Leases	42Cr	43Cr	40Cr	40Cr	39Cr
Long-Term Debt	2.36TCr	2.66TCr	3.47TCr	3.97TCr	4.39TCr
Federal Home Loan Bank Debt - Long-Term	-	3.21TCr	3.8TCr	2.2TCr	1.3TCr
Long-Term Leases	180.4Cr	173.2Cr	159.3Cr	146.9Cr	154Cr
Trust Preferred Securities (BS)	-	-	-	-	21Cr
Other Current Liabilities - (Bank / Utility Template)	10Cr	20Cr	20Cr	20Cr	20Cr
Unearned Revenue Non Current	-	-	-	-	-
Other Non Current Liabilities	706.2Cr	319.4Cr	316.3Cr	361.9Cr	421.8Cr
Total Liabilities	50TCr	51TCr	51TCr	51TCr	51TCr
Preferred Stock - Others	500.9Cr	574.6Cr	624.1Cr	574.9Cr	575.8Cr
Total Preferred Equity	500.9Cr	574.6Cr	624.1Cr	574.9Cr	575.8Cr
Common Stock, Total	271.3Cr	271.4Cr	271.6Cr	271.7Cr	271.7Cr
Additional Paid In Capital	1.24TCr	1.26TCr	1.28TCr	1.3TCr	1.32TCr
Retained Earnings	5.02TCr	5.36TCr	5.63TCr	5.93TCr	6.33TCr
Treasury Stock	-1.51TCr	-1.87TCr	-1.92TCr	-1.97TCr	-2.09TCr
Comprehensive Income and Other	41Cr	-1.02TCr	-771.2Cr	-656.5Cr	-340.8Cr
Total Common Equity	5.07TCr	4TCr	4.49TCr	4.87TCr	5.48TCr
Minority Interest	3.1Cr	3.8Cr	3.6Cr	4.4Cr	5.1Cr
Total Equity	5.57TCr	4.58TCr	5.11TCr	5.45TCr	6.06TCr
Total Liabilities And Equity	56TCr	56TCr	56TCr	56TCr	57TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	42Cr	40Cr	40Cr	40Cr	40Cr
ECS Total Common Shares Outstanding	42Cr	40Cr	40Cr	40Cr	39Cr
Book Value / Share	120.68	99.82	112.72	122.94	140.43
Tangible Book Value	3.98TCr	2.9TCr	3.39TCr	3.77TCr	4.39TCr
Tangible Book Value Per Share	94.69	72.42	85.26	95.33	112.36
Tangible Book Value Per Share (As Reported)	94.11	72.12	85.08	95.33	112.51
Average Assets	52TCr	55TCr	56TCr	56TCr	57TCr
Average Loans	27TCr	31TCr	32TCr	32TCr	32TCr
Total Debt	3.4TCr	6.54TCr	7.83TCr	6.67TCr	6.08TCr
Deposits at Interest - Cash	-	-	-	3.93TCr	3.29TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-108.5Cr	-64Cr	-76Cr	-77Cr	-103.1Cr
Net Debt	2.06TCr	5.5TCr	6.81TCr	5.68TCr	4.62TCr
Equity Method Investments, Total	-	-	-	-	-
Full Time Employees	57.67T	59.89T	54.81T	53.69T	53.86T
Part Time Employees	1.76T	1.65T	1.6T	1.5T	1.47T

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	567.4Cr	604.1Cr	557.8Cr	588.9Cr	693.6Cr
Depreciation, Depletion & Amortization	177.3Cr	65Cr	22Cr	26Cr	38Cr
Total Depreciation, Depletion & Amortization	177.3Cr	65Cr	22Cr	26Cr	38Cr
(Gain) Loss on Sale of Investments - (CF)	-6.4Cr	70L	-	-25Cr	90L
Provision for Credit Losses	-78Cr	48Cr	74Cr	79Cr	78Cr
(Income) Loss On Equity Investments - (CF)	-	-	-	-	-
Change in Trading Asset Securities	67Cr	43Cr	-77Cr	4.1Cr	-396.6Cr
Change in Other Net Operating Assets (Collected)	-18Cr	76Cr	302.9Cr	-63Cr	-98Cr
Other Operating Activities	12Cr	71Cr	131.2Cr	178.4Cr	122.1Cr
Cash from Operations	721.4Cr	908.3Cr	1.01TCr	788Cr	438.4Cr
Cash Acquisitions	-1.05TCr	-	-	-	-
Divestitures	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-419.6Cr	2.85TCr	-822.6Cr	-551.9Cr	274.3Cr
Net (Increase) Decrease in Loans Originated / Sold - Investing	1.56TCr	-3.82TCr	322.4Cr	377.7Cr	-1.62TCr
Other Investing Activities, Total	-365.6Cr	-376.3Cr	-137.7Cr	-149Cr	-218.8Cr
Cash from Investing	-279.5Cr	-1.34TCr	-637.9Cr	-323.2Cr	-1.56TCr
Short Term Debt Issued, Total	-	-	36Cr	-	7.7Cr
Long-Term Debt Issued, Total	255.8Cr	3.8TCr	1.73TCr	1.34TCr	1.21TCr
Total Debt Issued	255.8Cr	3.8TCr	1.76TCr	1.34TCr	1.22TCr
Short Term Debt Repaid, Total	-4.6Cr	-20L	-	-7.4Cr	-
Long-Term Debt Repaid, Total	-1.05TCr	-805.7Cr	-367.6Cr	-2.38TCr	-1.74TCr
Total Debt Repaid	-1.05TCr	-805.9Cr	-367.6Cr	-2.38TCr	-1.74TCr
Issuance of Common Stock	6.6Cr	6.8Cr	7.2Cr	6.9Cr	7Cr
Repurchase of Common Stock	-107.9Cr	-373.1Cr	-65Cr	-69Cr	-133.8Cr
Issuance of Preferred Stock	148.4Cr	222.5Cr	148.4Cr	-	-
Repurchase of Preferred Stock	-	-150Cr	-100Cr	-50Cr	-
Common Dividends Paid	-205.6Cr	-239.1Cr	-246.1Cr	-253.7Cr	-263.5Cr
Preferred Dividends Paid	-23Cr	-30Cr	-42Cr	-35Cr	-31Cr
Common & Preferred Stock Dividends Paid	-228.9Cr	-269.2Cr	-287.8Cr	-288.9Cr	-294.3Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	637.7Cr	-2.1TCr	-1.49TCr	530.4Cr	1.41TCr
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	-343.2Cr	338.4Cr	-385.4Cr	-912.2Cr	469.5Cr
Net Change in Cash	99Cr	-96Cr	-12Cr	-447.4Cr	-653.8Cr
Supplemental Items
Cash Interest Paid	58Cr	217.2Cr	945.1Cr	1.31TCr	1.12TCr
Cash Income Tax Paid (Refund)	60Cr	17Cr	16Cr	39Cr	70Cr
Net Debt Issued / Repaid	-799.1Cr	3TCr	1.4TCr	-1.04TCr	-522Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.12	1.1	1.01	1.06	1.23
Return On Equity %	10.43	12.04	11.65	11.27	12.16
Return on Common Equity	10.69	12.58	12.08	11.75	12.71
Shareholders Value Added	-40Cr	60Cr	48Cr	28Cr	73Cr
Margin Analysis
SG&A Margin	49.08	48.37	49.02	48.85	48.06
Net Interest Income / Total Revenues %	53.26	63.04	67.07	65.01	64.56
EBT Excl. Non-Recurring Items Margin %	34.96	36.2	32.47	34.87	38.02
Income From Continuing Operations Margin %	28.64	29.61	27.22	28.67	31.35
Net Income Margin %	28.38	29.26	26.88	28.36	31.08
Net Avail. For Common Margin %	27.06	27.65	24.71	26.47	29.46
Normalized Net Income Margin	21.59	22.28	19.96	21.49	23.49
Asset quality
Nonperforming Loans / Total Loans %	0.86	0.61	0.68	0.73	0.67
Nonperforming Loans / Total Assets %	0.44	0.36	0.39	0.42	0.39
Nonperforming Assets / Total Assets %	0.45	0.36	0.39	0.42	0.41
NPAs / Loans and OREO	0.87	0.62	0.69	0.74	0.71
NPAs / Equity	4.5	4.41	4.33	4.33	3.89
Allowance for Credit Losses / Net Charge-offs %	740.94	842.1	674.79	430.93	592.74
Allowance for Credit Losses / Nonperforming Loans %	196.29	238.84	219.77	192.86	198.83
Allowance for Credit Losses / Total Loans %	1.68	1.45	1.49	1.41	1.33
Net Charge-offs / Total Average Loans %	0.24	0.18	0.22	0.33	0.23
Provision for Loan Losses / Net Charge-offs %	-118.57	84.72	104.51	75.79	104.7
Earning Assets / IBL	149.19	145.11	133.12	128.69	128.29
Interest Income / Average Assets	2.13	2.8	4.35	4.67	4.47
Interest Expense / Average Assets	0.09	0.44	1.86	2.28	1.92
Net Interest Income / Average Assets	2.04	2.36	2.49	2.39	2.54
Non Interest Income / Average Assets	1.64	1.47	1.36	1.43	1.53
Non Interest Expense / Average Asset	2.49	2.39	2.51	2.39	2.44
Capital And Funding
Total Average Common Equity / Total Average Assets %	9.88	8.14	7.59	8.34	9.13
Total Average Equity / Total Average Assets %	10.72	9.11	8.67	9.42	10.15
Total Equity + Allowance for Loan Losses / Total Loans %	20.95	15.46	17.34	18.56	19.55
Gross Loans / Total Deposits %	63.21	74.9	76.5	74.36	75.4
Net Loans / Total Deposits %	62	73.64	75.16	73.11	74.19
Tier 1 Capital Ratio %	11.6	10.4	11.4	11.9	11.9
Total Capital Ratio %	13.5	12.3	13.2	13.6	13.5
Core Tier 1 Capital Ratio	10.3	9.1	9.9	10.5	10.6
Tier 2 Capital Ratio	1.9	1.84	1.82	1.68	1.58
Equity Tier 1 Capital Ratio	10.17	6.63	7.98	8.94	9.88
Coverage Ratio	-	-	-	-	-
Leverage Ratio %	8.2	8.2	8.7	9	9.4
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	20.36	7.47	2.78	2.62	3.5
EBT + Interest Expense / Interest Expense	15.35	4.09	1.65	1.56	1.78
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	7.05	22.23	6.93	-3	6.75
Non Interest Income, 1 Yr. Growth %	23.13	-5.35	-6.56	6.36	7.86
Provision For Loan Losses, 1 Yr. Growth %	-124.54	-161.23	55.56	6.33	-1.27
Total Revenues, 1 Yr. Growth %	45.64	3.27	0.51	0.09	7.48
Earnings From Cont. Operations, 1 Yr. Growth %	90.64	6.78	-7.62	5.42	17.54
Net Income, 1 Yr. Growth %	-24.52	6.47	-7.66	5.58	17.78
Normalized Net Income, 1 Yr. Growth %	105.34	6.54	-9.95	7.76	17.49
Diluted EPS Before Extra, 1 Yr. Growth %	101.4	9.08	-7.7	7.49	20.74
Dividend Per Share, 1 Yr. Growth %	4.35	19.79	6.09	3.28	4.76
Gross Loans, 1 Yr. Growth %	19.09	13.06	-1.34	-1.57	4.74
Allowance For Loan Losses, 1 Yr. Growth %	-9.2	-2.61	1.05	-6.37	-1.69
Net Loans, 1 Yr. Growth %	19.84	13.33	-1.42	-1.5	4.84
Non Performing Loans, 1 Yr. Growth %	8.49	-19.96	9.82	6.7	-4.64
Non Performing Assets, 1 Yr. Growth %	7.23	-19.43	9.76	6.36	0.17
Total Assets, 1 Yr. Growth %	19.39	0.01	0.77	-0.27	2.42
Total Deposits, 1 Yr Growth %	25.16	-4.59	-3.41	1.26	3.31
Tangible Book Value, 1 Yr. Growth %	-3.61	-26.98	16.84	11.23	16.22
Average Interest Earning Assets, 1 Yr. Growth %	17.96	5.87	2.8	0.67	-0.03
Average Interest Bearing Liabilities, 1 Yr. Growth %	9.43	8.85	12.06	4.13	0.28
Common Equity, 1 Yr. Growth %	0.38	-21.03	12.08	8.5	12.64
Total Equity, 1 Yr. Growth %	3.12	-17.79	11.63	6.51	11.32
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	3.37	14.39	14.33	1.85	1.76
Non Interest Income, 2 Yr. CAGR %	11.62	7.96	-5.96	-0.31	7.11
Provision For Loan Losses, 2 Yr. CAGR %	0.39	-61.24	-2.4	28.61	2.46
Total Revenues, 2 Yr. CAGR %	11.55	22.64	1.88	0.3	3.72
Earnings From Cont. Operations, 2 Yr. CAGR %	11.67	42.68	-0.68	-1.32	11.31
Net Income, 2 Yr. CAGR %	2.8	-10.35	-0.85	-1.27	11.51
Normalized Net Income, 2 Yr. CAGR %	12.95	47.91	-2.05	-1.49	12.52
Diluted EPS Before Extra, 2 Yr. CAGR %	15.41	48.22	0.34	-0.4	13.92
Dividend Per Share, 2 Yr. CAGR %	6.9	11.8	12.73	4.67	4.02
Gross Loans, 2 Yr. CAGR %	9.78	16.03	5.61	-1.46	1.54
Allowance For Loan Losses, 2 Yr. CAGR %	33.24	-5.96	-0.79	-2.73	-4.06
Net Loans, 2 Yr. CAGR %	9.35	16.54	5.7	-1.46	1.62
Non Performing Loans, 2 Yr. CAGR %	23.16	-6.82	-6.24	8.25	0.87
Non Performing Assets, 2 Yr. CAGR %	19.6	-7.05	-5.96	8.05	3.22
Total Assets, 2 Yr. CAGR %	16.53	9.28	0.39	0.25	1.06
Total Deposits, 2 Yr CAGR %	25.89	9.28	-4	-1.1	2.28
Tangible Book Value, 2 Yr. CAGR %	4.98	-16.1	-7.63	14	13.7
Average Interest Earning Assets, 2 Yr. CAGR %	15.98	11.75	4.32	1.73	0.32
Average Interest Bearing Liabilities, 2 Yr. CAGR %	8.58	9.14	10.44	8.02	2.19
Common Equity, 2 Yr. CAGR %	5.75	-10.96	-5.92	10.27	10.55
Total Equity, 2 Yr. CAGR %	6.27	-7.93	-4.2	9.04	8.89
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	3.08	9.31	11.85	8.23	3.45
Non Interest Income, 3 Yr. CAGR %	9.8	5.65	2.88	-2.02	2.34
Provision For Loan Losses, 3 Yr. CAGR %	24.06	-14.86	-38.4	0.43	17.76
Total Revenues, 3 Yr. CAGR %	8.2	8.71	14.77	1.28	2.64
Earnings From Cont. Operations, 3 Yr. CAGR %	7.89	10.01	23.43	1.31	4.6
Net Income, 3 Yr. CAGR %	2.29	4.01	-9.47	1.25	4.71
Normalized Net Income, 3 Yr. CAGR %	8.45	10.77	25.36	1.11	4.47
Diluted EPS Before Extra, 3 Yr. CAGR %	12.04	13.26	26.57	2.67	6.2
Dividend Per Share, 3 Yr. CAGR %	12.18	11.04	9.86	9.49	4.7
Gross Loans, 3 Yr. CAGR %	8.51	10.86	9.92	3.16	0.57
Allowance For Loan Losses, 3 Yr. CAGR %	22.8	20.02	-3.68	-2.69	-2.38
Net Loans, 3 Yr. CAGR %	8.23	10.66	10.21	3.24	0.6
Non Performing Loans, 3 Yr. CAGR %	13.55	6.68	-1.57	-2.11	3.77
Non Performing Assets, 3 Yr. CAGR %	11.5	4.84	-1.76	-2.02	5.35
Total Assets, 3 Yr. CAGR %	13.38	10.74	6.36	0.17	0.97
Total Deposits, 3 Yr CAGR %	19.52	14.78	4.87	-2.28	0.35
Tangible Book Value, 3 Yr. CAGR %	4.83	-6.99	-6.31	-1.73	14.74
Average Interest Earning Assets, 3 Yr. CAGR %	12.27	12.51	8.68	3.09	1.14
Average Interest Bearing Liabilities, 3 Yr. CAGR %	8.49	8.67	10.1	8.3	5.38
Common Equity, 3 Yr. CAGR %	5.03	-4.06	-3.86	-1.34	11.06
Total Equity, 3 Yr. CAGR %	5.27	-2.44	-1.82	-0.76	9.8
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	4.88	7.4	7.44	6.26	7.7
Non Interest Income, 5 Yr. CAGR %	4.81	2.34	3.2	3.22	4.55
Provision For Loan Losses, 5 Yr. CAGR %	12.46	1.58	12.71	0.41	-24.5
Total Revenues, 5 Yr. CAGR %	6.3	5.38	5.62	5.27	10.21
Earnings From Cont. Operations, 5 Yr. CAGR %	7.52	2.56	4.38	5.33	18.43
Net Income, 5 Yr. CAGR %	7.77	2.51	1.02	1.87	-1.6
Normalized Net Income, 5 Yr. CAGR %	6.16	6.34	4.12	5.69	20.06
Diluted EPS Before Extra, 5 Yr. CAGR %	11.71	5.97	7.2	7.58	21.35
Dividend Per Share, 5 Yr. CAGR %	17.76	17.2	12.4	8.45	7.49
Gross Loans, 5 Yr. CAGR %	6.38	8.19	7.34	5.76	6.49
Allowance For Loan Losses, 5 Yr. CAGR %	13.46	12.67	12.75	10.35	-3.83
Net Loans, 5 Yr. CAGR %	6.36	8.08	7.21	5.64	6.69
Non Performing Loans, 5 Yr. CAGR %	2.95	1.26	5.17	7.3	-0.6
Non Performing Assets, 5 Yr. CAGR %	1.09	-0.16	4.15	6.11	0.2
Total Assets, 5 Yr. CAGR %	8.75	7.91	7.99	6.42	4.21
Total Deposits, 5 Yr CAGR %	12.2	10.48	9.49	8.14	3.83
Tangible Book Value, 5 Yr. CAGR %	4.04	-3.3	-0.35	0.9	1.23
Average Interest Earning Assets, 5 Yr. CAGR %	8.24	8.78	9.02	8.06	5.26
Average Interest Bearing Liabilities, 5 Yr. CAGR %	6.81	7.64	9.27	8.41	6.87
Common Equity, 5 Yr. CAGR %	3.97	-1.66	0.51	1.44	1.66
Total Equity, 5 Yr. CAGR %	3.53	-0.76	1.37	2	2.33