Cash flow UBS Group AG

Equities

UBSG

CH0244767585

Investment Management & Fund Operators

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Published financial data: UBS GROUP AG

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020 (USD)	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)
Interest Income On Loans	949.2Cr	996.4Cr	1.32TCr	3.17TCr	3.6TCr
Interest Income On Investments	150.3Cr	-	-	377Cr	706.1Cr
Interest Income, Total	1.1TCr	996.4Cr	1.32TCr	3.55TCr	4.31TCr
Interest On Deposits	424.7Cr	325.9Cr	656.4Cr	2.82TCr	3.59TCr
Total Interest On Borrowings	89Cr	-	-	-	-
Interest Expense, Total	513.3Cr	325.9Cr	656.4Cr	2.82TCr	3.59TCr
Net Interest Income	586.2Cr	670.5Cr	662.1Cr	729.7Cr	710.8Cr
Income From Trading Activities	-	-	-	-	-
Gain (Loss) on Sale of Assets	92Cr	20Cr	28Cr	1.2Cr	9.6Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	6.6Cr	5Cr	84Cr	70L	14Cr
Income (Loss) on Equity Invest. (Income Block)	5.8Cr	10Cr	3.2Cr	-35Cr	14Cr
Total Other Non Interest Income	2.62TCr	2.83TCr	2.67TCr	3.37TCr	4.11TCr
Non Interest Income, Total	2.72TCr	2.86TCr	2.78TCr	3.34TCr	4.15TCr
Revenues Before Provison For Loan Losses	3.31TCr	3.54TCr	3.44TCr	4.06TCr	4.86TCr
Provision For Loan Losses	69Cr	-15Cr	2.9Cr	103.7Cr	55Cr
Total Revenues	3.24TCr	3.55TCr	3.44TCr	3.96TCr	4.8TCr
Salaries And Other Employee Benefits	1.64TCr	1.75TCr	1.77TCr	2.27TCr	2.47TCr
Amort. of Goodwill & Intang. Assets	5.5Cr	-	-	-	-
Occupancy Expense	199.7Cr	210.8Cr	205.8Cr	230.7Cr	331.5Cr
Selling General & Admin Expenses, Total	567.1Cr	628.9Cr	518.9Cr	872Cr	874.3Cr
Total Other Non Interest Expense	-	-	-	20L	-10L
Non Interest Expense, Total	2.42TCr	2.58TCr	2.49TCr	3.37TCr	3.67TCr
EBT, Excl. Unusual Items	822.5Cr	965.4Cr	948.8Cr	587.7Cr	1.13TCr
Restructuring Charges	-	-20Cr	-	-	-10Cr
Total Merger & Related Restructuring Charges	-	-	-	-447.8Cr	-465.2Cr
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-7.4Cr	-1Cr	-30L	-59Cr	-5.3Cr
Other Unusual Items	40L	4Cr	12Cr	2.79TCr	33Cr
EBT, Incl. Unusual Items	815.5Cr	948.4Cr	960.4Cr	2.87TCr	682Cr
Income Tax Expense	158.3Cr	199.8Cr	194.2Cr	87Cr	167.5Cr
Earnings From Continuing Operations	657.2Cr	748.6Cr	766.2Cr	2.79TCr	514.5Cr
Net Income to Company	657.2Cr	748.6Cr	766.2Cr	2.79TCr	514.5Cr
Minority Interest	-1.5Cr	-2.9Cr	-3.2Cr	-1.6Cr	-6Cr
Net Income - (IS)	655.7Cr	745.7Cr	763Cr	2.78TCr	508.5Cr
Net Income to Common Incl Extra Items	655.7Cr	745.7Cr	763Cr	2.78TCr	508.5Cr
Net Income to Common Excl. Extra Items	655.7Cr	745.7Cr	763Cr	2.78TCr	508.5Cr
Per Share Items
Net EPS - Basic	1.83	2.14	2.34	8.83	1.59
Basic EPS - Continuing Operations	1.83	2.14	2.34	8.83	1.59
Basic Weighted Average Shares Outstanding	358.32Cr	348.3Cr	326.09Cr	315.26Cr	319.85Cr
Net EPS - Diluted	1.77	2.06	2.25	8.45	1.52
Diluted EPS - Continuing Operations	1.77	2.06	2.25	8.45	1.52
Diluted Weighted Average Shares Outstanding	370.7Cr	362.72Cr	339.75Cr	329.6Cr	335.11Cr
Normalized Basic EPS	1.43	1.72	1.81	1.16	2.19
Normalized Diluted EPS	1.38	1.66	1.74	1.11	2.09
Dividend Per Share	0.37	0.5	0.55	0.7	0.9
Payout Ratio	39.76	17.45	21.86	6.03	44.37
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	19.41	21.07	20.22	3.04	24.56
Current Domestic Taxes	48Cr	68Cr	73Cr	88Cr	67Cr
Current Foreign Taxes	75Cr	88Cr	72Cr	68Cr	149.8Cr
Total Current Taxes	123.1Cr	156.4Cr	144.8Cr	156.7Cr	217Cr
Deferred Domestic Taxes	12Cr	3.4Cr	-1.5Cr	15Cr	30Cr
Deferred Foreign Taxes	24Cr	40Cr	51Cr	-85Cr	-79Cr
Total Deferred Taxes	35Cr	43Cr	49Cr	-69Cr	-50Cr
Normalized Net Income	512.56Cr	600.48Cr	589.8Cr	365.71Cr	700.19Cr
Non-Cash Pension Expense	2.7Cr	-5.6Cr	-1Cr	24Cr	-7.6Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	79Cr	74Cr	-	-	-
Total Stock-Based Compensation	79Cr	74Cr	-	-	-

Fiscal Period: December	2020 (USD)	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)
Assets
Cash And Equivalents	17TCr	20TCr	18TCr	33TCr	24TCr
Investment Securities, Total	12TCr	8.37TCr	10TCr	15TCr	14TCr
Trading Asset Securities, Total	28TCr	21TCr	20TCr	26TCr	27TCr
Total investments	40TCr	29TCr	30TCr	41TCr	41TCr
Gross Loans	38TCr	41TCr	40TCr	66TCr	60TCr
Allowance For Loan Losses	-146.8Cr	-125.1Cr	-115Cr	-231Cr	-210.3Cr
Other Adjustments to Gross Loans	-6Cr	-	-	-	-
Net Loans	38TCr	41TCr	40TCr	66TCr	60TCr
Gross Property Plant And Equipment	1.85TCr	1.85TCr	1.72TCr	2.42TCr	2.3TCr
Accumulated Depreciation	-914.1Cr	-941.8Cr	-913.9Cr	-1.18TCr	-1.24TCr
Net Property Plant And Equipment	932.8Cr	905.3Cr	804.3Cr	1.24TCr	1.06TCr
Goodwill	618.2Cr	612.6Cr	604.3Cr	604.3Cr	599Cr
Other Intangibles, Total	407.9Cr	408.7Cr	446.9Cr	688.6Cr	578.2Cr
Accrued Interest Receivable	-	52Cr	125.9Cr	316.3Cr	211.5Cr
Other Receivables	9.94TCr	9.96TCr	8.88TCr	13TCr	15TCr
Restricted Cash	3.65TCr	3.39TCr	3.87TCr	5.4TCr	4.74TCr
Other Current Assets, Total	900.9Cr	5.24TCr	6.57TCr	9.48TCr	8.42TCr
Deferred Tax Assets Long-Term (Collected)	921.2Cr	887.6Cr	938.9Cr	1.07TCr	1.11TCr
Other Long-Term Assets, Total	33Cr	107.8Cr	175.3Cr	268.1Cr	441.4Cr
Total Assets	1,12600Cr	1,11700Cr	1,10400Cr	1,71700Cr	1,56500Cr
Liabilities
Accrued Expenses, Total	4.58TCr	5.15TCr	5.22TCr	5.42TCr	6.03TCr
Interest Bearing Deposits	29TCr	30TCr	34TCr	55TCr	52TCr
Non-Interest Bearing Deposits	24TCr	25TCr	18TCr	24TCr	22TCr
Total Deposits	52TCr	54TCr	53TCr	79TCr	75TCr
Short-Term Borrowings	22TCr	17TCr	20TCr	24TCr	22TCr
Current Portion of Long-Term Debt	5TCr	5.5TCr	1.58TCr	8.54TCr	6TCr
Current Portion of Leases	70Cr	70Cr	70Cr	100Cr	80Cr
Long-Term Debt	12TCr	13TCr	16TCr	33TCr	27TCr
Long-Term Leases	322.7Cr	285.8Cr	263.4Cr	450.2Cr	379.7Cr
Current Income Taxes Payable	100.9Cr	139.8Cr	107.1Cr	146Cr	167.1Cr
Accrued Interest Payable	135.5Cr	109.4Cr	194.9Cr	669.2Cr	587.6Cr
Other Current Liabilities - (Bank / Utility Template)	7.09TCr	6.48TCr	6.6TCr	7.57TCr	7.19TCr
Unearned Revenue Non Current	23Cr	24Cr	24Cr	64Cr	56Cr
Pension & Other Post Retirement Benefits	72Cr	63Cr	47Cr	80Cr	76Cr
Deferred Tax Liability Non-Current	56Cr	30Cr	24Cr	32Cr	34Cr
Other Non Current Liabilities	3.06TCr	3.14TCr	2.24TCr	4.22TCr	4.09TCr
Total Liabilities	1,06600Cr	1,05600Cr	1,04700Cr	1,63100Cr	1,47900Cr
Common Stock, Total	34Cr	32Cr	30Cr	35Cr	35Cr
Additional Paid In Capital	1.68TCr	1.59TCr	1.35TCr	1.32TCr	1.2TCr
Retained Earnings	3.88TCr	4.39TCr	5TCr	7.49TCr	7.8TCr
Treasury Stock	-406.8Cr	-467.5Cr	-687.4Cr	-479.6Cr	-640.2Cr
Comprehensive Income and Other	764.6Cr	523.6Cr	-10Cr	246.2Cr	108.8Cr
Total Common Equity	5.94TCr	6.07TCr	5.69TCr	8.61TCr	8.51TCr
Minority Interest	32Cr	34Cr	34Cr	53Cr	49Cr
Total Equity	5.98TCr	6.1TCr	5.72TCr	8.66TCr	8.56TCr
Total Liabilities And Equity	1,12600Cr	1,11700Cr	1,10400Cr	1,71700Cr	1,56500Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	355.16Cr	339.96Cr	310.77Cr	320.89Cr	317.48Cr
ECS Total Common Shares Outstanding	355.16Cr	339.96Cr	310.77Cr	320.89Cr	317.48Cr
Book Value / Share	16.74	17.84	18.3	26.83	26.8
Tangible Book Value	4.92TCr	5.04TCr	4.64TCr	7.32TCr	7.33TCr
Tangible Book Value Per Share	13.85	14.84	14.92	22.81	23.09
Tangible Book Value Per Share (As Reported)	14.91	15.97	16.28	24.49	24.63
Average Assets	-	-	1,19300Cr	1,49300Cr	1,71100Cr
Average Loans	-	-	40TCr	54TCr	63TCr
Total Debt	39TCr	36TCr	38TCr	66TCr	55TCr
Deposits at Interest - Cash	1.54TCr	1.52TCr	2.6TCr	2.62TCr	2.05TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-430.4Cr	-635.8Cr	-783.3Cr	-986Cr	-762.4Cr
Net Debt	-6.45TCr	-4.6TCr	-187.1Cr	6.53TCr	4.08TCr
Equity Method Investments, Total	155.7Cr	124.3Cr	110.1Cr	237.3Cr	230.6Cr
Full Time Employees	71.55T	71.38T	72.6T	1L	1L
Number Of Offices	-	-	-	-	-

Fiscal Period: December	2020 (USD)	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)
Net Income	655.7Cr	745.7Cr	763Cr	2.78TCr	508.5Cr
Depreciation, Depletion & Amortization	118.3Cr	113.2Cr	102.7Cr	155.4Cr	176.7Cr
Amortization of Goodwill and Intangible Assets - (CF)	5.5Cr	3.1Cr	2.6Cr	13Cr	19Cr
Total Depreciation, Depletion & Amortization	123.8Cr	116.3Cr	105.3Cr	168.8Cr	195.7Cr
Amortization of Deferred Charges, Total	81Cr	94Cr	100.5Cr	146.9Cr	178.8Cr
(Gain) Loss On Sale of Asset - (CF)	-70Cr	-23Cr	-147Cr	-10Cr	10Cr
Total Asset Writedown	7.4Cr	1Cr	30L	59Cr	5.3Cr
Restructuring Activities	-	-	-	-	-
Provision for Credit Losses	69Cr	-15Cr	2.9Cr	103.7Cr	55Cr
(Income) Loss On Equity Investments - (CF)	-8.4Cr	-10Cr	-3.2Cr	35Cr	-14Cr
Change in Trading Asset Securities	1.13TCr	-1.05TCr	800.6Cr	367.4Cr	-1.36TCr
Change in Other Net Operating Assets (Collected)	-2.92TCr	-21Cr	1.02TCr	3.36TCr	786.2Cr
Other Operating Activities	-546.6Cr	323Cr	-1.18TCr	-3.69TCr	1.47TCr
Cash from Operations	-1.48TCr	160Cr	1.46TCr	3.33TCr	1.84TCr
Capital Expenditure	-185.4Cr	-184.1Cr	-164.3Cr	-168.5Cr	-200.8Cr
Sale of Property, Plant, and Equipment	37Cr	30Cr	16Cr	6.5Cr	11Cr
Cash Acquisitions	-4.6Cr	-10L	-30L	11TCr	-6.4Cr
Divestitures	67Cr	59Cr	173Cr	12Cr	26Cr
Investment in Marketable and Equity Securities, Total	-592.6Cr	-116.5Cr	-1.27TCr	-377.9Cr	241.9Cr
Other Investing Activities, Total	10L	-	-	-	-20L
Cash from Investing	-678.5Cr	-211.9Cr	-1.24TCr	10TCr	71Cr
Short Term Debt Issued, Total	2.38TCr	-	-	316.9Cr	-
Long-Term Debt Issued, Total	8.03TCr	9.83TCr	7.91TCr	11TCr	11TCr
Total Debt Issued	10TCr	9.83TCr	7.91TCr	11TCr	11TCr
Short Term Debt Repaid, Total	-	-309.3Cr	-1.22TCr	-	-740.7Cr
Long-Term Debt Repaid, Total	-8.77TCr	-7.99TCr	-6.77TCr	-17TCr	-18TCr
Total Debt Repaid	-8.77TCr	-8.3TCr	-7.99TCr	-17TCr	-18TCr
Repurchase of Common Stock	-138.7Cr	-334.1Cr	-600.6Cr	-277.9Cr	-292.3Cr
Common Dividends Paid	-260.7Cr	-130.1Cr	-166.8Cr	-167.9Cr	-225.6Cr
Common & Preferred Stock Dividends Paid	-260.7Cr	-130.1Cr	-166.8Cr	-167.9Cr	-225.6Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	5.18TCr	2.98TCr	-	5.28TCr	-1.51TCr
Special Dividend Paid	-	-	-	-	-
Other Financing Activities, Total	-70L	-28Cr	-62Cr	-72Cr	-99Cr
Cash from Financing	6.42TCr	4.02TCr	-909.4Cr	-547.6Cr	-9.92TCr
Foreign Exchange Rate Adjustments	1.11TCr	-530.7Cr	-565.9Cr	1.4TCr	-1.59TCr
Miscellaneous Cash Flow Adjustments	-	-	-10L	-	-
Net Change in Cash	5.37TCr	3.43TCr	-1.26TCr	14TCr	-9.61TCr
Supplemental Items
Cash Interest Paid	632Cr	470.7Cr	819.8Cr	3.6TCr	4.83TCr
Cash Income Tax Paid (Refund)	100.2Cr	113.4Cr	158.2Cr	185.2Cr	193.8Cr
Net Debt Issued / Repaid	1.64TCr	1.53TCr	-80Cr	-5.31TCr	-7.8TCr

Fiscal Period: December	2020 (USD)	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)
Profitability
Return on Assets	0.63	0.67	0.69	1.98	0.31
Return On Equity %	11.49	12.4	12.96	38.74	5.99
Return on Common Equity	11.51	12.42	12.98	38.95	5.96
Shareholders Value Added	-22Cr	41Cr	60Cr	2.22TCr	-199.47Cr
Margin Analysis
SG&A Margin	74.43	72.81	72.43	85.16	76.48
Net Interest Income / Total Revenues %	18.1	18.89	19.24	18.42	14.8
EBT Excl. Non-Recurring Items Margin %	25.4	27.19	27.57	14.84	23.53
Income From Continuing Operations Margin %	20.29	21.09	22.26	70.34	10.71
Net Income Margin %	20.25	21	22.17	70.3	10.59
Net Avail. For Common Margin %	20.25	21	22.17	70.3	10.59
Normalized Net Income Margin	15.83	16.91	17.14	9.23	14.58
Asset quality
Nonperforming Loans / Total Loans %	0.83	0.58	0.59	0.88	1.01
Nonperforming Loans / Total Assets %	0.28	0.21	0.21	0.34	0.39
Nonperforming Assets / Total Assets %	0.28	0.21	0.21	0.34	0.39
NPAs / Loans and OREO	0.83	0.58	0.59	0.88	1.01
NPAs / Equity	5.31	3.91	4.08	6.7	7.06
Allowance for Credit Losses / Net Charge-offs %	421.84	1.06T	1.55T	2.96T	639.21
Allowance for Credit Losses / Nonperforming Loans %	46.22	52.41	49.29	39.79	34.79
Allowance for Credit Losses / Total Loans %	0.38	0.3	0.29	0.35	0.35
Net Charge-offs / Total Average Loans %	-	-	0.02	0.01	0.05
Provision for Loan Losses / Net Charge-offs %	199.43	-125.42	39.19	1.33T	167.48
Earning Assets / IBL	-	-	96.4	97.47	98.07
Interest Income / Average Assets	-	-	1.1	2.38	2.52
Interest Expense / Average Assets	-	-	0.55	1.89	2.1
Net Interest Income / Average Assets	-	-	0.55	0.49	0.42
Non Interest Income / Average Assets	-	-	2.33	2.23	2.42
Non Interest Expense / Average Asset	-	-	2.09	2.26	2.15
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.43	5.35	5.29	5.07	5.2
Total Average Equity / Total Average Assets %	5.45	5.38	5.32	5.1	5.23
Total Equity + Allowance for Loan Losses / Total Loans %	15.93	15.09	14.58	13.45	14.57
Gross Loans / Total Deposits %	72.91	75.69	75.8	83.02	80.22
Net Loans / Total Deposits %	72.62	75.46	75.58	82.73	79.94
Tier 1 Capital Ratio %	19.43	20.02	18.25	16.9	17.6
Total Capital Ratio %	21.18	20.49	18.4	16.9	17.6
Core Tier 1 Capital Ratio	13.8	14.98	14.22	14.36	14.32
Tier 2 Capital Ratio	1.75	0.48	0.15	0	0
Equity Tier 1 Capital Ratio	18.32	17.96	15.84	14.38	15.68
Coverage Ratio	49.88	71.9	53.79	60.08	43.87
Interbank Ratio	106.01	92.15	95.75	25.77	68.66
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	10.2	-	-	-	-
EBT + Interest Expense / Interest Expense	2.59	3.91	2.46	2.02	1.19
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	30.21	14.38	-1.25	10.21	-2.59
Non Interest Income, 1 Yr. Growth %	11.23	5.26	-3.26	20.43	24.34
Provision For Loan Losses, 1 Yr. Growth %	789.74	-121.33	-119.59	3.48T	-46.87
Total Revenues, 1 Yr. Growth %	12.09	9.62	-3.36	15.53	21.24
Earnings From Cont. Operations, 1 Yr. Growth %	52.48	13.91	2.35	263.68	-81.21
Net Income, 1 Yr. Growth %	52.35	13.73	2.32	264.99	-81.42
Normalized Net Income, 1 Yr. Growth %	43.49	15.68	-0.86	-37.15	90.48
Diluted EPS Before Extra, 1 Yr. Growth %	55.13	16.48	9.22	275.56	-81.69
Dividend Per Share, 1 Yr. Growth %	-49.32	35.14	10	27.27	28.57
Gross Loans, 1 Yr. Growth %	16.27	3.83	-2.99	65.79	-8.93
Allowance For Loan Losses, 1 Yr. Growth %	42.66	-20.62	-8.07	100.87	13.74
Net Loans, 1 Yr. Growth %	16.2	3.93	-2.97	65.69	-8.99
Non Performing Loans, 1 Yr. Growth %	28.79	-24.84	-2.26	148.86	4.1
Non Performing Assets, 1 Yr. Growth %	28.79	-24.84	-2.26	148.86	4.1
Total Assets, 1 Yr. Growth %	15.8	-0.76	-1.15	55.5	-8.85
Total Deposits, 1 Yr Growth %	17.03	3.32	-3.13	50.85	-5.84
Tangible Book Value, 1 Yr. Growth %	10.19	2.57	-8.1	57.84	0.84
Average Interest Earning Assets, 1 Yr. Growth %	-	-	-0.46	29.77	16.45
Average Interest Bearing Liabilities, 1 Yr. Growth %	-	-	-1.16	28.34	15.74
Common Equity, 1 Yr. Growth %	9.07	2.05	-6.24	51.4	-0.64
Total Equity, 1 Yr. Growth %	9.31	2.07	-6.2	51.42	-0.68
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	7.76	22.05	6.28	4.32	3.61
Non Interest Income, 2 Yr. CAGR %	3.17	8.13	1.11	7.69	22.61
Provision For Loan Losses, 2 Yr. CAGR %	142.52	37.75	-79.56	164.7	335.89
Total Revenues, 2 Yr. CAGR %	3.04	10.78	3.08	5.47	18.55
Earnings From Cont. Operations, 2 Yr. CAGR %	20.54	31.79	7.97	92.93	-18.06
Net Income, 2 Yr. CAGR %	20.5	31.63	7.87	93.25	-18.36
Normalized Net Income, 2 Yr. CAGR %	14.37	29.68	7.76	-21.55	10.26
Diluted EPS Before Extra, 2 Yr. CAGR %	22.68	34.43	12.79	102.53	-17.81
Dividend Per Share, 2 Yr. CAGR %	-27.88	-17.24	21.92	18.32	27.92
Gross Loans, 2 Yr. CAGR %	8.88	11.67	0.36	26.61	22.82
Allowance For Loan Losses, 2 Yr. CAGR %	21.04	10.26	-14.58	35.89	35.23
Net Loans, 2 Yr. CAGR %	8.85	11.69	0.42	26.58	22.78
Non Performing Loans, 2 Yr. CAGR %	14.58	-1.61	-14.29	55.96	60.96
Non Performing Assets, 2 Yr. CAGR %	13.19	-1.61	-14.29	55.96	60.96
Total Assets, 2 Yr. CAGR %	8.38	7.2	-0.96	23.98	19.04
Total Deposits, 2 Yr CAGR %	11.78	9.96	0.04	20.88	19.18
Tangible Book Value, 2 Yr. CAGR %	6.64	6.31	-2.91	20.44	25.74
Average Interest Earning Assets, 2 Yr. CAGR %	-	-	1.87	13.65	22.93
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	-	2.22	12.63	21.88
Common Equity, 2 Yr. CAGR %	5.98	5.5	-2.18	19.14	22.31
Total Equity, 2 Yr. CAGR %	6.09	5.63	-2.15	19.17	22.29
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-1.16	9.92	13.73	7.57	1.96
Non Interest Income, 3 Yr. CAGR %	4.79	3.86	4.33	7.01	12.98
Provision For Loan Losses, 3 Yr. CAGR %	74.33	7.84	-28.09	14.32	54.99
Total Revenues, 3 Yr. CAGR %	3.05	5.19	5.96	6.94	10.48
Earnings From Cont. Operations, 3 Yr. CAGR %	84.52	18.29	21.14	61.85	-11.75
Net Income, 3 Yr. CAGR %	89.14	18.2	21.03	61.95	-11.98
Normalized Net Income, 3 Yr. CAGR %	8.69	15.29	18.21	-10.37	5.62
Diluted EPS Before Extra, 3 Yr. CAGR %	91.97	20.58	25.44	68.43	-9.64
Dividend Per Share, 3 Yr. CAGR %	-17.83	-11.09	-9.01	23.68	21.64
Gross Loans, 3 Yr. CAGR %	4.68	8.34	6.55	18.51	13.4
Allowance For Loan Losses, 3 Yr. CAGR %	9.54	7.68	3.78	13.59	18.9
Net Loans, 3 Yr. CAGR %	4.65	8.35	6.57	18.53	13.39
Non Performing Loans, 3 Yr. CAGR %	13.91	-0.44	-1.83	22.27	36.3
Non Performing Assets, 3 Yr. CAGR %	12.85	-1.25	-1.83	22.27	36.3
Total Assets, 3 Yr. CAGR %	6.22	5.24	4.34	15.11	11.89
Total Deposits, 3 Yr CAGR %	7.73	8.89	5.41	14.72	11.22
Tangible Book Value, 3 Yr. CAGR %	4.29	5.27	1.28	14.16	13.27
Average Interest Earning Assets, 3 Yr. CAGR %	-	-	-	10.43	14.58
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	-	-	10.28	13.66
Common Equity, 3 Yr. CAGR %	4.23	4.65	1.43	13.15	11.94
Total Equity, 3 Yr. CAGR %	4.38	4.73	1.53	13.18	11.94
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-5.08	0.66	1.75	7.65	9.57
Non Interest Income, 5 Yr. CAGR %	0.08	5.07	3.3	5.46	11.1
Provision For Loan Losses, 5 Yr. CAGR %	39.32	31.25	-26.04	54.45	47.85
Total Revenues, 5 Yr. CAGR %	-1.31	4.26	3.07	5.37	10.67
Earnings From Cont. Operations, 5 Yr. CAGR %	-1.86	16.88	48.92	43.86	3.61
Net Income, 5 Yr. CAGR %	-1.33	17.37	51.09	43.88	3.39
Normalized Net Income, 5 Yr. CAGR %	2.41	11.2	8.12	-1.37	14.42
Diluted EPS Before Extra, 5 Yr. CAGR %	-0.94	18.54	55.18	48.38	5.92
Dividend Per Share, 5 Yr. CAGR %	-11.41	-3.28	-3.78	-0.32	4.28
Gross Loans, 5 Yr. CAGR %	1.11	6.37	3.6	15.31	12.71
Allowance For Loan Losses, 5 Yr. CAGR %	13.52	-	0.58	18.18	15.37
Net Loans, 5 Yr. CAGR %	1.07	6.31	3.61	15.3	12.7
Non Performing Loans, 5 Yr. CAGR %	11.51	0.25	1.66	19.14	19.64
Non Performing Assets, 5 Yr. CAGR %	10.91	-	1.09	18.56	19.64
Total Assets, 5 Yr. CAGR %	1.1	3.98	3.29	12.37	9.99
Total Deposits, 5 Yr CAGR %	3.53	5.42	4.59	13.54	10.72
Tangible Book Value, 5 Yr. CAGR %	-1.74	1.65	1.35	11.09	10.43
Average Interest Earning Assets, 5 Yr. CAGR %	-	-	-	-	-
Average Interest Bearing Liabilities, 5 Yr. CAGR %	-	-	-	-	-
Common Equity, 5 Yr. CAGR %	-1	2.77	1.62	10.22	9.32
Total Equity, 5 Yr. CAGR %	-1.6	2.63	1.72	10.29	9.37