Cash flow The Toronto-Dominion Bank

Equities

TD

CA8911605092

Banks

Market Closed - Toronto S.E. Other stock markets 03:19:30 07/02/2026 am IST			5-day change	1st Jan Change
131.99 ^CAD	+1.40%		+3.72%	+2.03%

06/02	TD Bank expects $7 million catastrophe claims after reinsurance to reflect in wealth management & insurance segment Q1 results	RE
06/02	TD Bank Group Brief: Expects Catastrophe Claims of Near $7M After Reinsurance and Before Tax To Be Reflected in Wealth Management & Insurance Segment's Q1 Results	MT

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Published financial data: THE TORONTO-DOMINION BANK

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: October	2021	2022	2023	2024	2025
Interest Income On Loans	2.4TCr	2.97TCr	5.4TCr	6.53TCr	6.16TCr
Interest Income On Investments	562.2Cr	1.14TCr	2.66TCr	2.81TCr	2.6TCr
Interest Income, Total	2.96TCr	4.1TCr	8.07TCr	9.34TCr	8.76TCr
Interest On Deposits	374.2Cr	974.8Cr	3.84TCr	4.69TCr	4TCr
Total Interest On Borrowings	170.8Cr	393.1Cr	1.24TCr	1.61TCr	1.45TCr
Interest Expense, Total	545Cr	1.37TCr	5.07TCr	6.29TCr	5.46TCr
Net Interest Income	2.41TCr	2.74TCr	2.99TCr	3.05TCr	3.31TCr
Income From Trading Activities	31Cr	-26Cr	241.7Cr	362.8Cr	460.2Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	1.4Cr	6Cr	-4.8Cr	-36Cr	-195.1Cr
Total Other Non Interest Income	1.82TCr	2.17TCr	1.98TCr	2.38TCr	3.21TCr
Non Interest Income, Total	1.86TCr	2.15TCr	2.22TCr	2.7TCr	3.47TCr
Revenues Before Provison For Loan Losses	4.27TCr	4.88TCr	5.21TCr	5.75TCr	6.78TCr
Provision For Loan Losses	-22Cr	106.7Cr	293.3Cr	425.3Cr	450.6Cr
Total Revenues	4.29TCr	4.77TCr	4.92TCr	5.32TCr	6.33TCr
Salaries And Other Employee Benefits	1.1TCr	1.25TCr	1.44TCr	1.56TCr	1.71TCr
Amort. of Goodwill & Intang. Assets	71Cr	60Cr	67Cr	70Cr	78Cr
Occupancy Expense	160.8Cr	166Cr	179.9Cr	112.9Cr	112.8Cr
Selling General & Admin Expenses, Total	619.76Cr	633.05Cr	758.11Cr	916.02Cr	1.08TCr
(Income) Loss on Equity Invest.	-78Cr	-99Cr	-86Cr	-70Cr	-30Cr
Total Other Non Interest Expense	625.3Cr	644.1Cr	963.6Cr	1.49TCr	917.1Cr
Non Interest Expense, Total	2.5TCr	2.66TCr	3.32TCr	4.09TCr	3.86TCr
EBT, Excl. Unusual Items	1.8TCr	2.12TCr	1.6TCr	1.24TCr	2.46TCr
Restructuring Charges	-4.7Cr	-	-36Cr	-57Cr	-69Cr
Legal Settlements	-	22Cr	-164.2Cr	-27Cr	-
EBT, Incl. Unusual Items	1.79TCr	2.14TCr	1.4TCr	1.15TCr	2.39TCr
Income Tax Expense	362.1Cr	398.6Cr	316.8Cr	269.1Cr	341Cr
Earnings From Continuing Operations	1.43TCr	1.74TCr	1.08TCr	884.2Cr	2.05TCr
Net Income to Company	1.43TCr	1.74TCr	1.08TCr	884.2Cr	2.05TCr
Minority Interest	-	-	-	-	-
Net Income - (IS)	1.43TCr	1.74TCr	1.08TCr	884.2Cr	2.05TCr
Preferred Dividend and Other Adjustments	25Cr	26Cr	56Cr	53Cr	56Cr
Net Income to Common Incl Extra Items	1.4TCr	1.72TCr	1.02TCr	831.6Cr	2TCr
Net Income to Common Excl. Extra Items	1.4TCr	1.72TCr	1.02TCr	831.6Cr	2TCr
Per Share Items
Net EPS - Basic	7.73	9.48	5.61	4.73	11.57
Basic EPS - Continuing Operations	7.73	9.48	5.61	4.73	11.57
Basic Weighted Average Shares Outstanding	181.77Cr	181.05Cr	182.25Cr	175.88Cr	172.63Cr
Net EPS - Diluted	7.72	9.47	5.6	4.72	11.56
Diluted EPS - Continuing Operations	7.72	9.47	5.6	4.72	11.56
Diluted Weighted Average Shares Outstanding	182.02Cr	181.36Cr	182.44Cr	176Cr	172.8Cr
Normalized Basic EPS	6.18	7.32	5.47	4.4	8.92
Normalized Diluted EPS	6.17	7.3	5.47	4.39	8.91
Dividend Per Share	3.16	3.56	3.84	4.08	4.2
Payout Ratio	38.85	38.24	54.03	80.98	37.31
Supplemental Items
Effective Tax Rate - (Ratio)	20.21	18.61	22.71	23.33	14.24
Total Current Taxes	336.3Cr	348.4Cr	442.4Cr	375.2Cr	417.4Cr
Total Deferred Taxes	26Cr	50Cr	-125.6Cr	-106.1Cr	-76Cr
Normalized Net Income	1.12TCr	1.32TCr	997.19Cr	773.31Cr	1.54TCr
Non-Cash Pension Expense	6.8Cr	90L	-3.7Cr	60L	-1.1Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	140.66Cr	88Cr	133.11Cr	109.52Cr	115.89Cr
Total Stock-Based Compensation	140.66Cr	88Cr	133.11Cr	109.52Cr	115.89Cr

Fiscal Period: October	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	570.8Cr	855.6Cr	672.1Cr	643.7Cr	751.2Cr
Investment Securities, Total	67TCr	70TCr	67TCr	74TCr	72TCr
Trading Asset Securities, Total	20TCr	25TCr	24TCr	26TCr	30TCr
Mortgage Backed Securities	1.75TCr	1.83TCr	1.91TCr	1.75TCr	1.52TCr
Total investments	89TCr	97TCr	94TCr	1,01200Cr	1,04000Cr
Gross Loans	73TCr	84TCr	90TCr	96TCr	96TCr
Allowance For Loan Losses	-639Cr	-643.2Cr	-713.6Cr	-809.4Cr	-868.9Cr
Net Loans	72TCr	83TCr	90TCr	95TCr	95TCr
Gross Property Plant And Equipment	1.27TCr	1.32TCr	1.34TCr	1.37TCr	1.39TCr
Accumulated Depreciation	-353.6Cr	-383.5Cr	-398.9Cr	-388.1Cr	-375.1Cr
Net Property Plant And Equipment	918.1Cr	940Cr	943.4Cr	983.7Cr	1.01TCr
Goodwill	1.62TCr	1.77TCr	1.86TCr	1.89TCr	1.9TCr
Other Intangibles, Total	212.3Cr	230.3Cr	277.1Cr	304.4Cr	340.9Cr
Accrued Interest Receivable	219.6Cr	376.5Cr	550.4Cr	550.9Cr	567.4Cr
Other Receivables	4.33TCr	3.65TCr	4.91TCr	3.9TCr	4.05TCr
Restricted Cash	22Cr	-	-	-	-
Other Current Assets, Total	2.63TCr	3TCr	2.56TCr	961.1Cr	751.5Cr
Deferred Tax Assets Long-Term (Collected)	226.5Cr	219.3Cr	396Cr	493.7Cr	538.8Cr
Other Real Estate Owned And Foreclosed	5.3Cr	5.1Cr	5.9Cr	13Cr	10Cr
Other Long-Term Assets, Total	267.7Cr	341.4Cr	345.1Cr	223Cr	204.7Cr
Total Assets	1,72900Cr	1,91800Cr	1,95700Cr	2,06200Cr	2,09500Cr
Liabilities
Accounts Payable, Total	749.9Cr	504Cr	840.8Cr	770.6Cr	895.4Cr
Accrued Expenses, Total	3.31TCr	2.93TCr	3.59TCr	3.2TCr	3.47TCr
Interest Bearing Deposits	75TCr	69TCr	61TCr	66TCr	65TCr
Institutional Deposits	28TCr	44TCr	51TCr	55TCr	54TCr
Non-Interest Bearing Deposits	16TCr	17TCr	14TCr	13TCr	13TCr
Total Deposits	1,19300Cr	1,29300Cr	1,26100Cr	1,33400Cr	1,32700Cr
Short-Term Borrowings	5.71TCr	9.11TCr	7.16TCr	6.84TCr	7.94TCr
Current Portion of Long-Term Debt	15TCr	13TCr	12TCr	20TCr	23TCr
Current Portion of Leases	3.5Cr	1.4Cr	4.5Cr	4Cr	3.1Cr
Long-Term Debt	10TCr	16TCr	24TCr	22TCr	22TCr
Long-Term Leases	543.8Cr	529.9Cr	500.5Cr	497.3Cr	532.1Cr
Current Income Taxes Payable	8.2Cr	15Cr	16Cr	6.7Cr	30Cr
Accrued Interest Payable	71Cr	187Cr	442.1Cr	555.9Cr	465.2Cr
Other Current Liabilities - (Bank / Utility Template)	6.35TCr	6.74TCr	6.45TCr	4.22TCr	4.65TCr
Unearned Revenue Non Current	234.3Cr	248.4Cr	275.1Cr	-	-
Pension & Other Post Retirement Benefits	159.2Cr	128.6Cr	124.4Cr	138Cr	137.2Cr
Deferred Tax Liability Non-Current	24Cr	24Cr	20Cr	30Cr	30Cr
Other Non Current Liabilities	1.11TCr	1.86TCr	2.59TCr	3.12TCr	1.08TCr
Total Liabilities	1,62900Cr	1,80600Cr	1,84500Cr	1,94700Cr	1,96700Cr
Preferred Stock Redeemable	570Cr	560Cr	520Cr	390Cr	285Cr
Preferred Stock - Others	-1Cr	-70L	-6.5Cr	-1.8Cr	-40L
Total Preferred Equity	569Cr	559.3Cr	513.5Cr	388.2Cr	284.6Cr
Common Stock, Total	2.31TCr	2.44TCr	2.54TCr	2.54TCr	2.47TCr
Additional Paid In Capital	17Cr	18Cr	16Cr	20Cr	28Cr
Retained Earnings	6.39TCr	7.37TCr	7.3TCr	7.08TCr	7.83TCr
Treasury Stock	-15Cr	-9.1Cr	-6.4Cr	-1.7Cr	-
Comprehensive Income and Other	709.7Cr	764.1Cr	840.3Cr	1.49TCr	2.16TCr
Total Common Equity	9.41TCr	11TCr	11TCr	11TCr	12TCr
Minority Interest	-	-	-	-	-
Total Equity	9.98TCr	11TCr	11TCr	12TCr	13TCr
Total Liabilities And Equity	1,72900Cr	1,91800Cr	1,95700Cr	2,06200Cr	2,09500Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	182.2Cr	182.07Cr	179.07Cr	175.01Cr	168.95Cr
ECS Total Common Shares Outstanding	182.2Cr	182.07Cr	179.07Cr	175.01Cr	168.95Cr
Book Value / Share	51.66	58.1	59.74	63.41	73.79
Tangible Book Value	7.58TCr	8.58TCr	8.56TCr	8.94TCr	10TCr
Tangible Book Value Per Share	41.59	47.14	47.8	50.89	60.54
Average Assets	-	1,81300Cr	1,92200Cr	1,97500Cr	2,10800Cr
Average Loans	85TCr	90TCr	99TCr	1,06300Cr	1,11800Cr
Total Debt	32TCr	39TCr	44TCr	49TCr	53TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	17Cr	-115.3Cr	-94Cr	-45Cr	-54Cr
Net Debt	-22TCr	-16TCr	-11TCr	-14TCr	-13TCr
Equity Method Investments, Total	1.11TCr	808.8Cr	890.7Cr	902.4Cr	523.7Cr
Full Time Employees	89.46T	94.94T	1L	1L	1L

Fiscal Period: October	2021	2022	2023	2024	2025
Net Income	1.43TCr	1.74TCr	1.08TCr	884.2Cr	2.05TCr
Depreciation, Depletion & Amortization	130.6Cr	116.3Cr	122.8Cr	130.6Cr	135.7Cr
Amortization of Goodwill and Intangible Assets - (CF)	17Cr	11Cr	19Cr	17Cr	14Cr
Total Depreciation, Depletion & Amortization	147.2Cr	126.9Cr	142.1Cr	147.8Cr	149.3Cr
Amortization of Deferred Charges, Total	54Cr	49Cr	48Cr	53Cr	64Cr
(Gain) Loss on Sale of Investments - (CF)	-1.4Cr	-105.7Cr	4.8Cr	-66Cr	-720.8Cr
Total Asset Writedown	5.4Cr	40L	1.1Cr	1.9Cr	2.9Cr
Provision for Credit Losses	-22Cr	106.7Cr	293.3Cr	425.3Cr	450.6Cr
(Income) Loss On Equity Investments - (CF)	-78Cr	-99Cr	-86Cr	-70Cr	-30Cr
Change in Trading Asset Securities	5.45TCr	4.83TCr	2.86TCr	1.52TCr	-1.08TCr
Changes in Accrued Interest Receivable	-29Cr	-41Cr	81Cr	113.3Cr	-107.2Cr
Change In Income Taxes	24Cr	-410Cr	122.8Cr	66Cr	44Cr
Change in Other Net Operating Assets (Collected)	-1.34TCr	-13TCr	-8.4TCr	-4.47TCr	-8.3TCr
Other Operating Activities	26Cr	50Cr	-125.6Cr	-106.1Cr	-76Cr
Cash from Operations	5.66TCr	-6.68TCr	-3.98TCr	-1.5TCr	-7.55TCr
Capital Expenditure	-112.9Cr	-145.4Cr	-184.4Cr	-217.7Cr	-214.5Cr
Cash Acquisitions	-185.8Cr	-	-62Cr	-	-
Investment in Marketable and Equity Securities, Total	-4.23TCr	-3.04TCr	7.87TCr	-4.32TCr	8.83TCr
Net (Increase) Decrease in Loans Originated / Sold - Investing	-	-	-	-	-
Cash from Investing	-4.53TCr	-3.19TCr	7.62TCr	-4.54TCr	8.62TCr
Long-Term Debt Issued, Total	-	60L	-	332.4Cr	228.3Cr
Total Debt Issued	-	60L	-	332.4Cr	228.3Cr
Long-Term Debt Repaid, Total	-55Cr	-66Cr	-235.9Cr	-222.2Cr	-485.8Cr
Total Debt Repaid	-55Cr	-66Cr	-235.9Cr	-222.2Cr	-485.8Cr
Issuance of Common Stock	1.09TCr	1.1TCr	806Cr	1.14TCr	1.33TCr
Repurchase of Common Stock	-1.09TCr	-1.3TCr	-1.22TCr	-1.52TCr	-1.93TCr
Issuance of Preferred Stock	194.9Cr	581.1Cr	53Cr	200.7Cr	333.6Cr
Repurchase of Preferred Stock	-90Cr	-125.5Cr	-99Cr	-192.5Cr	-258.5Cr
Common & Preferred Stock Dividends Paid	-555.5Cr	-666.5Cr	-582.5Cr	-716Cr	-766.3Cr
Common & Preferred Stock Dividends Paid	-555.5Cr	-666.5Cr	-582.5Cr	-716Cr	-766.3Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	-649.4Cr	11TCr	-2.55TCr	6.99TCr	589.4Cr
Other Financing Activities, Total	-50L	-2.7Cr	-2.1Cr	-70L	-70L
Cash from Financing	-1.15TCr	10TCr	-3.83TCr	6.01TCr	-960.7Cr
Foreign Exchange Rate Adjustments	-34Cr	39Cr	8.8Cr	1.4Cr	3.4Cr
Net Change in Cash	-51Cr	262.5Cr	-183.5Cr	-28Cr	107.5Cr
Supplemental Items
Cash Interest Paid	587.8Cr	1.25TCr	4.82TCr	6.18TCr	5.55TCr
Cash Income Tax Paid (Refund)	407.1Cr	440.4Cr	303.6Cr	381.2Cr	433.2Cr
Net Debt Issued / Repaid	-55Cr	-66Cr	-235.9Cr	110.2Cr	-257.5Cr

Fiscal Period: October	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.83	0.96	0.56	0.44	0.99
Return On Equity %	14.64	16.5	9.65	7.78	16.9
Return on Common Equity	15.27	17.03	9.61	7.62	16.91
Shareholders Value Added	345.45Cr	543.49Cr	-156.38Cr	-372.51Cr	692.72Cr
Margin Analysis
SG&A Margin	43.75	42.94	48.38	48.69	45.82
Net Interest Income / Total Revenues %	56.23	57.29	60.86	57.23	52.25
EBT Excl. Non-Recurring Items Margin %	41.86	44.39	32.43	23.24	38.93
Income From Continuing Operations Margin %	33.32	36.51	21.91	16.61	32.46
Net Income Margin %	33.32	36.51	21.91	16.61	32.46
Net Avail. For Common Margin %	32.74	35.96	20.77	15.62	31.57
Normalized Net Income Margin	26.16	27.74	20.27	14.52	24.33
Asset quality
Nonperforming Loans / Total Loans %	0.33	0.3	0.37	0.52	0.56
Nonperforming Loans / Total Assets %	0.14	0.13	0.17	0.24	0.26
Nonperforming Assets / Total Assets %	0.14	0.13	0.17	0.25	0.26
NPAs / Loans and OREO	0.34	0.3	0.37	0.53	0.57
NPAs / Equity	2.47	2.29	3	4.41	4.32
Allowance for Credit Losses / Net Charge-offs %	426.57	484.7	322.75	246.99	223.2
Allowance for Credit Losses / Nonperforming Loans %	265.04	256.97	216.31	163.55	160.31
Allowance for Credit Losses / Total Loans %	0.87	0.77	0.79	0.84	0.9
Net Charge-offs / Total Average Loans %	0.18	0.15	0.22	0.31	0.35
Provision for Loan Losses / Net Charge-offs %	-14.95	80.41	132.65	129.78	115.75
Earning Assets / IBL	116.66	116.76	114.95	112.98	112.81
Interest Income / Average Assets	-	2.26	4.2	4.73	4.16
Interest Expense / Average Assets	-	0.75	2.64	3.18	2.59
Net Interest Income / Average Assets	-	1.51	1.56	1.54	1.57
Non Interest Income / Average Assets	-	1.18	1.15	1.37	1.65
Non Interest Expense / Average Asset	-	1.46	1.73	2.07	1.83
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.34	5.53	5.49	5.43	5.68
Total Average Equity / Total Average Assets %	5.67	5.79	5.77	5.66	5.85
Total Equity + Allowance for Loan Losses / Total Loans %	14.54	14.03	13.2	12.87	14.19
Gross Loans / Total Deposits %	61.23	64.95	71.66	71.82	72.47
Net Loans / Total Deposits %	60.69	64.45	71.09	71.21	71.82
Tier 1 Capital Ratio %	16.5	18.3	16.2	14.8	16.4
Total Capital Ratio %	19.1	20.7	18.1	16.8	18.4
Core Tier 1 Capital Ratio	15.2	16.2	14.4	13.1	14.7
Tier 2 Capital Ratio	2.67	2.46	1.91	1.98	1.94
Coverage Ratio	265.04	256.97	216.31	163.55	160.31
Interbank Ratio	194.33	173.52	149.7	143.29	141.23
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	11.49	6.45	2.13	1.72	2.65
EBT + Interest Expense / Interest Expense	4.29	2.57	1.27	1.18	1.44
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-1.49	13.35	9.47	1.76	8.5
Non Interest Income, 1 Yr. Growth %	-3.07	15.59	3.43	20.71	28.46
Provision For Loan Losses, 1 Yr. Growth %	-103.09	-576.34	174.88	45.01	5.95
Total Revenues, 1 Yr. Growth %	17.89	11.24	3.06	7.78	18.83
Earnings From Cont. Operations, 1 Yr. Growth %	20.2	21.9	-38.14	-16.85	132.28
Net Income, 1 Yr. Growth %	20.2	21.9	-38.14	-16.85	132.28
Normalized Net Income, 1 Yr. Growth %	37.87	18.26	-24.71	-21.48	99.09
Diluted EPS Before Extra, 1 Yr. Growth %	20.06	22.67	-40.87	-14.49	144.92
Dividend Per Share, 1 Yr. Growth %	1.61	12.66	7.87	6.25	2.94
Gross Loans, 1 Yr. Growth %	0.32	14.95	7.58	6.02	0.43
Allowance For Loan Losses, 1 Yr. Growth %	-22.91	0.66	10.95	13.42	7.35
Net Loans, 1 Yr. Growth %	0.58	15.07	7.56	5.96	0.37
Non Performing Loans, 1 Yr. Growth %	-23.63	3.82	31.8	50.02	9.52
Non Performing Assets, 1 Yr. Growth %	-23.81	3.65	31.48	51.13	8.79
Total Assets, 1 Yr. Growth %	0.75	10.92	2.06	5.45	1.59
Total Deposits, 1 Yr Growth %	4.23	8.36	-2.49	5.53	-0.48
Tangible Book Value, 1 Yr. Growth %	7.36	10.72	-0.27	4.46	14.78
Average Interest Earning Assets, 1 Yr. Growth %	8.93	4.4	6.17	3.27	5.61
Average Interest Bearing Liabilities, 1 Yr. Growth %	6.74	4.31	7.84	5.07	5.77
Common Equity, 1 Yr. Growth %	4.76	10.34	1.12	4.06	12.31
Total Equity, 1 Yr. Growth %	4.52	11.59	0.65	2.76	11
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	0.65	5.67	11.4	5.55	5.08
Non Interest Income, 2 Yr. CAGR %	3.75	5.85	9.34	12.23	24.52
Provision For Loan Losses, 2 Yr. CAGR %	-72.81	-61.62	261.85	99.65	23.95
Total Revenues, 2 Yr. CAGR %	6.22	14.52	7.07	5.61	13.17
Earnings From Cont. Operations, 2 Yr. CAGR %	10.61	21.05	-13.16	-28.77	38.97
Net Income, 2 Yr. CAGR %	10.7	21.05	-13.16	-28.77	38.97
Normalized Net Income, 2 Yr. CAGR %	11.05	27.52	-5.64	-23.59	25.03
Diluted EPS Before Extra, 2 Yr. CAGR %	11.14	21.36	-14.83	-29.4	44.71
Dividend Per Share, 2 Yr. CAGR %	4.57	6.99	10.24	7.05	4.58
Gross Loans, 2 Yr. CAGR %	2.81	7.38	11.2	6.8	3.19
Allowance For Loan Losses, 2 Yr. CAGR %	19.87	-11.91	5.68	12.18	10.35
Net Loans, 2 Yr. CAGR %	2.69	7.58	11.25	6.75	3.13
Non Performing Loans, 2 Yr. CAGR %	-10.83	-10.96	16.97	40.61	28.18
Non Performing Assets, 2 Yr. CAGR %	-11.6	-11.13	16.74	40.96	28.22
Total Assets, 2 Yr. CAGR %	10.52	5.71	6.4	3.69	3.5
Total Deposits, 2 Yr CAGR %	11.44	6.27	2.8	1.56	2.48
Tangible Book Value, 2 Yr. CAGR %	10.17	10.28	5.08	2.05	9.5
Average Interest Earning Assets, 2 Yr. CAGR %	12.54	6.64	5.28	4.71	4.43
Average Interest Bearing Liabilities, 2 Yr. CAGR %	11.44	5.52	6.06	6.44	5.42
Common Equity, 2 Yr. CAGR %	7.2	8.51	5.63	2.56	8.11
Total Equity, 2 Yr. CAGR %	6.68	8	5.98	1.68	6.8
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	2.76	4.72	6.92	8.09	6.52
Non Interest Income, 3 Yr. CAGR %	3.68	7.55	5.04	13.34	17.4
Provision For Loan Losses, 3 Yr. CAGR %	-55.13	-29.38	-26.01	166.78	61.64
Total Revenues, 3 Yr. CAGR %	5.63	7.87	10.56	7.45	9.84
Earnings From Cont. Operations, 3 Yr. CAGR %	8.05	14.25	-3.22	-14.8	5.62
Net Income, 3 Yr. CAGR %	8.28	14.31	-3.22	-14.8	5.62
Normalized Net Income, 3 Yr. CAGR %	7.47	13.31	6.98	-11.61	5.15
Diluted EPS Before Extra, 3 Yr. CAGR %	8.7	14.86	-4.5	-15.13	6.87
Dividend Per Share, 3 Yr. CAGR %	6.58	7.2	7.28	8.89	5.67
Gross Loans, 3 Yr. CAGR %	3.91	6.71	7.45	9.45	4.63
Allowance For Loan Losses, 3 Yr. CAGR %	21.66	13.09	-4.87	8.2	10.55
Net Loans, 3 Yr. CAGR %	3.79	6.66	7.58	9.46	4.58
Non Performing Loans, 3 Yr. CAGR %	-8.57	-6.19	1.48	27.09	29.37
Non Performing Assets, 3 Yr. CAGR %	-8.68	-6.78	1.26	27.23	29.3
Total Assets, 3 Yr. CAGR %	9	10.65	4.48	6.05	2.99
Total Deposits, 3 Yr CAGR %	8.74	10.4	3.27	3.78	0.88
Tangible Book Value, 3 Yr. CAGR %	11.23	11.2	6.64	4.86	6.13
Average Interest Earning Assets, 3 Yr. CAGR %	10.68	9.76	6.48	4.6	5.01
Average Interest Bearing Liabilities, 3 Yr. CAGR %	10.11	9.01	6.28	5.73	6.22
Common Equity, 3 Yr. CAGR %	8.32	8.9	5.99	5.09	5.71
Total Equity, 3 Yr. CAGR %	7.64	8.29	5.49	4.88	4.7
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	3.91	5.58	6.13	5.05	6.18
Non Interest Income, 5 Yr. CAGR %	5.22	6.92	5.91	9.4	12.64
Provision For Loan Losses, 5 Yr. CAGR %	-37.4	-13.6	3.41	7.02	-9.05
Total Revenues, 5 Yr. CAGR %	6.06	7.03	6.21	6.96	11.69
Earnings From Cont. Operations, 5 Yr. CAGR %	9.86	10.63	-0.99	-5.42	11.54
Net Income, 5 Yr. CAGR %	10.14	10.89	-0.87	-5.4	11.54
Normalized Net Income, 5 Yr. CAGR %	10.56	11	1.97	-3.21	13.58
Diluted EPS Before Extra, 5 Yr. CAGR %	10.58	11.48	-1.4	-5.46	12.45
Dividend Per Share, 5 Yr. CAGR %	7.91	8.66	8.03	7.14	6.19
Gross Loans, 5 Yr. CAGR %	4.38	6.38	6.77	6.74	5.72
Allowance For Loan Losses, 5 Yr. CAGR %	10.53	11.2	14.99	12.72	0.95
Net Loans, 5 Yr. CAGR %	4.34	6.35	6.71	6.7	5.77
Non Performing Loans, 5 Yr. CAGR %	-12.15	-7.44	0.9	10.3	11.42
Non Performing Assets, 5 Yr. CAGR %	-12.17	-7.46	0.75	9.99	11.29
Total Assets, 5 Yr. CAGR %	7.99	8.44	7.95	7.81	4.07
Total Deposits, 5 Yr CAGR %	7.73	7.96	6.32	6.78	3
Tangible Book Value, 5 Yr. CAGR %	9.17	11.11	9.23	7.44	7.77
Average Interest Earning Assets, 5 Yr. CAGR %	9.36	8.78	8.49	7.71	5.66
Average Interest Bearing Liabilities, 5 Yr. CAGR %	8.65	8.55	8.47	7.98	5.94
Common Equity, 5 Yr. CAGR %	6.67	8.78	7.63	6.32	6.82
Total Equity, 5 Yr. CAGR %	6.11	8.18	6.97	5.6	6