Financial Ratios 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	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Interest Income On Loans	996.4Cr	1.32TCr	3.17TCr	3.6TCr	2.79TCr
Interest Income On Investments	-	-	377Cr	706.1Cr	634.3Cr
Interest Income, Total	996.4Cr	1.32TCr	3.55TCr	4.31TCr	3.43TCr
Interest On Deposits	325.9Cr	656.4Cr	2.82TCr	3.59TCr	2.65TCr
Total Interest On Borrowings	-	-	-	-	-
Interest Expense, Total	325.9Cr	656.4Cr	2.82TCr	3.59TCr	2.65TCr
Net Interest Income	670.5Cr	662.1Cr	729.7Cr	710.8Cr	774.7Cr
Income From Trading Activities	-	-	-	-	-
Gain (Loss) on Sale of Assets	20Cr	28Cr	1.2Cr	9.6Cr	28Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	5Cr	84Cr	70L	14Cr	30L
Income (Loss) on Equity Invest. (Income Block)	10Cr	3.2Cr	-35Cr	14Cr	7.9Cr
Total Other Non Interest Income	2.83TCr	2.67TCr	3.37TCr	4.11TCr	4.2TCr
Non Interest Income, Total	2.86TCr	2.78TCr	3.34TCr	4.15TCr	4.24TCr
Revenues Before Provison For Loan Losses	3.54TCr	3.44TCr	4.06TCr	4.86TCr	5.01TCr
Provision For Loan Losses	-15Cr	2.9Cr	103.7Cr	55Cr	52Cr
Total Revenues	3.55TCr	3.44TCr	3.96TCr	4.8TCr	4.96TCr
Salaries And Other Employee Benefits	1.75TCr	1.77TCr	2.27TCr	2.47TCr	2.53TCr
Amort. of Goodwill & Intang. Assets	-	-	-	-	-
Occupancy Expense	210.8Cr	205.8Cr	230.7Cr	331.5Cr	311.7Cr
Selling General & Admin Expenses, Total	628.9Cr	518.9Cr	872Cr	874.3Cr	730.9Cr
Total Other Non Interest Expense	-	-	20L	-10L	-
Non Interest Expense, Total	2.58TCr	2.49TCr	3.37TCr	3.67TCr	3.57TCr
EBT, Excl. Unusual Items	965.4Cr	948.8Cr	587.7Cr	1.13TCr	1.39TCr
Restructuring Charges	-20Cr	-	-	-10Cr	-12Cr
Total Merger & Related Restructuring Charges	-	-	-447.8Cr	-465.2Cr	-430.8Cr
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-1Cr	-30L	-59Cr	-5.3Cr	-6.9Cr
Other Unusual Items	4Cr	12Cr	2.79TCr	33Cr	-55Cr
EBT, Incl. Unusual Items	948.4Cr	960.4Cr	2.87TCr	682Cr	885.3Cr
Income Tax Expense	199.8Cr	194.2Cr	87Cr	167.5Cr	105.6Cr
Earnings From Continuing Operations	748.6Cr	766.2Cr	2.79TCr	514.5Cr	779.7Cr
Net Income to Company	748.6Cr	766.2Cr	2.79TCr	514.5Cr	779.7Cr
Minority Interest	-2.9Cr	-3.2Cr	-1.6Cr	-6Cr	-3Cr
Net Income - (IS)	745.7Cr	763Cr	2.78TCr	508.5Cr	776.7Cr
Net Income to Common Incl Extra Items	745.7Cr	763Cr	2.78TCr	508.5Cr	776.7Cr
Net Income to Common Excl. Extra Items	745.7Cr	763Cr	2.78TCr	508.5Cr	776.7Cr
Per Share Items
Net EPS - Basic	2.14	2.34	8.83	1.59	2.46
Basic EPS - Continuing Operations	2.14	2.34	8.83	1.59	2.46
Basic Weighted Average Shares Outstanding	348.3Cr	326.09Cr	315.26Cr	319.85Cr	315.16Cr
Net EPS - Diluted	2.06	2.25	8.45	1.52	2.36
Diluted EPS - Continuing Operations	2.06	2.25	8.45	1.52	2.36
Diluted Weighted Average Shares Outstanding	362.72Cr	339.75Cr	329.6Cr	335.11Cr	329.02Cr
Normalized Basic EPS	1.72	1.81	1.16	2.19	2.75
Normalized Diluted EPS	1.66	1.74	1.11	2.09	2.63
Dividend Per Share	0.5	0.55	0.7	0.9	1.1
Payout Ratio	17.45	21.86	6.03	44.37	36.9
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	21.07	20.22	3.04	24.56	11.93
Current Domestic Taxes	68Cr	73Cr	88Cr	67Cr	60Cr
Current Foreign Taxes	88Cr	72Cr	68Cr	149.8Cr	84Cr
Total Current Taxes	156.4Cr	144.8Cr	156.7Cr	217Cr	143.8Cr
Deferred Domestic Taxes	3.4Cr	-1.5Cr	15Cr	30Cr	32Cr
Deferred Foreign Taxes	40Cr	51Cr	-85Cr	-79Cr	-70Cr
Total Deferred Taxes	43Cr	49Cr	-69Cr	-50Cr	-38Cr
Normalized Net Income	600.48Cr	589.8Cr	365.71Cr	700.19Cr	865.5Cr
Non-Cash Pension Expense	-5.6Cr	-1Cr	24Cr	-7.6Cr	10Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	74Cr	-	-	-	-
Total Stock-Based Compensation	74Cr	-	-	-	-

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Assets
Cash And Equivalents	20TCr	18TCr	33TCr	24TCr	23TCr
Investment Securities, Total	8.37TCr	10TCr	15TCr	14TCr	17TCr
Trading Asset Securities, Total	21TCr	20TCr	26TCr	27TCr	24TCr
Total investments	29TCr	30TCr	41TCr	41TCr	40TCr
Gross Loans	41TCr	40TCr	66TCr	60TCr	68TCr
Allowance For Loan Losses	-125.1Cr	-115Cr	-231Cr	-201.9Cr	-252.4Cr
Other Adjustments to Gross Loans	-	-	-	-	-
Net Loans	41TCr	40TCr	66TCr	60TCr	67TCr
Gross Property Plant And Equipment	1.85TCr	1.72TCr	2.42TCr	2.3TCr	2.44TCr
Accumulated Depreciation	-941.8Cr	-913.9Cr	-1.18TCr	-1.24TCr	-1.32TCr
Net Property Plant And Equipment	905.3Cr	804.3Cr	1.24TCr	1.06TCr	1.12TCr
Goodwill	612.6Cr	604.3Cr	604.3Cr	599Cr	606.7Cr
Other Intangibles, Total	408.7Cr	446.9Cr	688.6Cr	578.2Cr	573.9Cr
Accrued Interest Receivable	52Cr	125.9Cr	316.3Cr	211.5Cr	227.5Cr
Other Receivables	9.96TCr	8.88TCr	13TCr	15TCr	13TCr
Restricted Cash	3.39TCr	3.87TCr	5.4TCr	4.74TCr	4.54TCr
Other Current Assets, Total	5.24TCr	6.57TCr	9.48TCr	8.42TCr	10TCr
Deferred Tax Assets Long-Term (Collected)	887.6Cr	938.9Cr	1.07TCr	1.11TCr	1.15TCr
Other Long-Term Assets, Total	107.8Cr	175.3Cr	268.1Cr	441.4Cr	390.5Cr
Total Assets	1,11700Cr	1,10400Cr	1,71700Cr	1,56500Cr	1,61700Cr
Liabilities
Accrued Expenses, Total	5.15TCr	5.22TCr	5.42TCr	6.03TCr	7.39TCr
Interest Bearing Deposits	30TCr	34TCr	55TCr	52TCr	53TCr
Non-Interest Bearing Deposits	25TCr	18TCr	24TCr	22TCr	26TCr
Total Deposits	54TCr	53TCr	79TCr	75TCr	79TCr
Short-Term Borrowings	17TCr	20TCr	24TCr	22TCr	19TCr
Current Portion of Long-Term Debt	5.5TCr	1.58TCr	8.54TCr	11TCr	11TCr
Current Portion of Leases	70Cr	70Cr	100Cr	80Cr	80Cr
Long-Term Debt	13TCr	16TCr	33TCr	22TCr	22TCr
Long-Term Leases	285.8Cr	263.4Cr	450.2Cr	379.7Cr	345.7Cr
Current Income Taxes Payable	139.8Cr	107.1Cr	146Cr	167.1Cr	115.2Cr
Accrued Interest Payable	109.4Cr	194.9Cr	669.2Cr	587.6Cr	477.8Cr
Other Current Liabilities - (Bank / Utility Template)	6.48TCr	6.6TCr	7.57TCr	7.19TCr	8.79TCr
Unearned Revenue Non Current	24Cr	24Cr	64Cr	56Cr	68Cr
Pension & Other Post Retirement Benefits	63Cr	47Cr	80Cr	76Cr	71Cr
Deferred Tax Liability Non-Current	30Cr	24Cr	32Cr	34Cr	47Cr
Other Non Current Liabilities	3.14TCr	2.24TCr	4.22TCr	4.09TCr	3.55TCr
Total Liabilities	1,05600Cr	1,04700Cr	1,63100Cr	1,47900Cr	1,52700Cr
Common Stock, Total	32Cr	30Cr	35Cr	35Cr	33Cr
Additional Paid In Capital	1.59TCr	1.35TCr	1.32TCr	1.2TCr	921.7Cr
Retained Earnings	4.39TCr	5TCr	7.49TCr	7.8TCr	8.27TCr
Treasury Stock	-467.5Cr	-687.4Cr	-479.6Cr	-640.2Cr	-789.1Cr
Comprehensive Income and Other	523.6Cr	-10Cr	246.2Cr	108.8Cr	581.3Cr
Total Common Equity	6.07TCr	5.69TCr	8.61TCr	8.51TCr	9.02TCr
Minority Interest	34Cr	34Cr	53Cr	49Cr	27Cr
Total Equity	6.1TCr	5.72TCr	8.66TCr	8.56TCr	9.05TCr
Total Liabilities And Equity	1,11700Cr	1,10400Cr	1,71700Cr	1,56500Cr	1,61700Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	339.96Cr	310.77Cr	320.89Cr	317.48Cr	309.17Cr
ECS Total Common Shares Outstanding	339.96Cr	310.77Cr	320.89Cr	317.48Cr	309.17Cr
Book Value / Share	17.84	18.3	26.83	26.8	29.18
Tangible Book Value	5.04TCr	4.64TCr	7.32TCr	7.33TCr	7.84TCr
Tangible Book Value Per Share	14.84	14.92	22.81	23.09	25.36
Tangible Book Value Per Share (As Reported)	15.97	16.28	24.49	24.63	26.93
Average Assets	-	1,19300Cr	1,49300Cr	1,71100Cr	1,71400Cr
Average Loans	-	40TCr	54TCr	63TCr	64TCr
Total Debt	36TCr	38TCr	66TCr	55TCr	53TCr
Deposits at Interest - Cash	1.52TCr	2.6TCr	2.62TCr	2.05TCr	2.15TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-635.8Cr	-783.3Cr	-986Cr	-762.4Cr	-1.07TCr
Net Debt	-4.6TCr	-187.1Cr	6.53TCr	4.08TCr	6.77TCr
Equity Method Investments, Total	124.3Cr	110.1Cr	237.3Cr	230.6Cr	233.2Cr
Full Time Employees	71.38T	72.6T	1L	1L	1L
Number Of Offices	-	-	-	-	-

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Net Income	745.7Cr	763Cr	2.78TCr	508.5Cr	776.7Cr
Depreciation, Depletion & Amortization	113.2Cr	102.7Cr	155.4Cr	176.7Cr	158.6Cr
Amortization of Goodwill and Intangible Assets - (CF)	3.1Cr	2.6Cr	13Cr	19Cr	14Cr
Total Depreciation, Depletion & Amortization	116.3Cr	105.3Cr	168.8Cr	195.7Cr	172.6Cr
Amortization of Deferred Charges, Total	94Cr	100.5Cr	146.9Cr	178.8Cr	173.4Cr
(Gain) Loss On Sale of Asset - (CF)	-23Cr	-147Cr	-10Cr	10Cr	-48Cr
Total Asset Writedown	1Cr	30L	59Cr	5.3Cr	6.9Cr
Restructuring Activities	-	-	-	-	-
Provision for Credit Losses	-15Cr	2.9Cr	103.7Cr	55Cr	52Cr
(Income) Loss On Equity Investments - (CF)	-10Cr	-3.2Cr	35Cr	-14Cr	-7.7Cr
Change in Trading Asset Securities	-1.05TCr	800.6Cr	367.4Cr	-1.36TCr	2.52TCr
Change in Other Net Operating Assets (Collected)	-21Cr	1.02TCr	3.36TCr	786.2Cr	1.14TCr
Other Operating Activities	323Cr	-1.18TCr	-3.69TCr	1.47TCr	-1.31TCr
Cash from Operations	160Cr	1.46TCr	3.33TCr	1.84TCr	3.48TCr
Capital Expenditure	-184.1Cr	-164.3Cr	-168.5Cr	-200.8Cr	-236.2Cr
Sale of Property, Plant, and Equipment	30Cr	16Cr	6.5Cr	11Cr	21Cr
Cash Acquisitions	-10L	-30L	11TCr	-6.4Cr	-1.7Cr
Divestitures	59Cr	173Cr	12Cr	26Cr	65Cr
Investment in Marketable and Equity Securities, Total	-116.5Cr	-1.27TCr	-377.9Cr	241.9Cr	-2.13TCr
Other Investing Activities, Total	-	-	-	-20L	-
Cash from Investing	-211.9Cr	-1.24TCr	10TCr	71Cr	-2.28TCr
Short Term Debt Issued, Total	-	-	316.9Cr	-	169.2Cr
Long-Term Debt Issued, Total	9.83TCr	7.91TCr	11TCr	11TCr	13TCr
Total Debt Issued	9.83TCr	7.91TCr	11TCr	11TCr	14TCr
Short Term Debt Repaid, Total	-309.3Cr	-1.22TCr	-	-740.7Cr	-
Long-Term Debt Repaid, Total	-7.99TCr	-6.77TCr	-17TCr	-18TCr	-16TCr
Total Debt Repaid	-8.3TCr	-7.99TCr	-17TCr	-18TCr	-16TCr
Repurchase of Common Stock	-334.1Cr	-600.6Cr	-277.9Cr	-292.3Cr	-517.8Cr
Common Dividends Paid	-130.1Cr	-166.8Cr	-167.9Cr	-225.6Cr	-286.6Cr
Common & Preferred Stock Dividends Paid	-130.1Cr	-166.8Cr	-167.9Cr	-225.6Cr	-286.6Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	2.98TCr	-	5.28TCr	-1.51TCr	-1.29TCr
Special Dividend Paid	-	-	-	-	-
Other Financing Activities, Total	-28Cr	-62Cr	-72Cr	-99Cr	-96Cr
Cash from Financing	4.02TCr	-909.4Cr	-547.6Cr	-9.92TCr	-4.38TCr
Foreign Exchange Rate Adjustments	-530.7Cr	-565.9Cr	1.4TCr	-1.59TCr	1.91TCr
Miscellaneous Cash Flow Adjustments	-	-10L	-	-	10L
Net Change in Cash	3.43TCr	-1.26TCr	14TCr	-9.61TCr	-1.27TCr
Supplemental Items
Cash Interest Paid	470.7Cr	819.8Cr	3.6TCr	4.83TCr	3.77TCr
Cash Income Tax Paid (Refund)	113.4Cr	158.2Cr	185.2Cr	193.8Cr	204.9Cr
Net Debt Issued / Repaid	1.53TCr	-80Cr	-5.31TCr	-7.8TCr	-2.19TCr

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Profitability
Return on Assets	0.67	0.69	1.98	0.31	0.49
Return On Equity %	12.4	12.96	38.74	5.99	8.86
Return on Common Equity	12.42	12.98	38.95	5.96	8.86
Shareholders Value Added	41Cr	60Cr	2.22TCr	-199.47Cr	16Cr
Margin Analysis
SG&A Margin	72.81	72.43	85.16	76.48	71.98
Net Interest Income / Total Revenues %	18.89	19.24	18.42	14.8	15.62
EBT Excl. Non-Recurring Items Margin %	27.19	27.57	14.84	23.53	28.02
Income From Continuing Operations Margin %	21.09	22.26	70.34	10.71	15.72
Net Income Margin %	21	22.17	70.3	10.59	15.66
Net Avail. For Common Margin %	21	22.17	70.3	10.59	15.66
Normalized Net Income Margin	16.91	17.14	9.23	14.58	17.45
Asset quality
Nonperforming Loans / Total Loans %	0.58	0.59	0.88	1.01	0.97
Nonperforming Loans / Total Assets %	0.21	0.21	0.34	0.39	0.4
Nonperforming Assets / Total Assets %	0.21	0.21	0.34	0.39	0.4
NPAs / Loans and OREO	0.58	0.59	0.88	1.01	0.97
NPAs / Equity	3.91	4.08	6.7	7.06	7.23
Allowance for Credit Losses / Net Charge-offs %	1.06T	1.55T	2.96T	613.68	699.17
Allowance for Credit Losses / Nonperforming Loans %	52.41	49.29	39.79	33.4	38.6
Allowance for Credit Losses / Total Loans %	0.3	0.29	0.35	0.34	0.37
Net Charge-offs / Total Average Loans %	-	0.02	0.01	0.05	0.06
Provision for Loan Losses / Net Charge-offs %	-125.42	39.19	1.33T	167.48	145.15
Earning Assets / IBL	-	96.4	97.47	98.07	97.31
Interest Income / Average Assets	-	1.1	2.38	2.52	2
Interest Expense / Average Assets	-	0.55	1.89	2.1	1.55
Net Interest Income / Average Assets	-	0.55	0.49	0.42	0.45
Non Interest Income / Average Assets	-	2.33	2.23	2.42	2.47
Non Interest Expense / Average Asset	-	2.09	2.26	2.15	2.08
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.35	5.29	5.07	5.2	5.51
Total Average Equity / Total Average Assets %	5.38	5.32	5.1	5.23	5.53
Total Equity + Allowance for Loan Losses / Total Loans %	15.09	14.58	13.45	14.56	13.72
Gross Loans / Total Deposits %	75.69	75.8	83.02	80.21	85.71
Net Loans / Total Deposits %	75.46	75.58	82.73	79.94	85.39
Tier 1 Capital Ratio %	20.02	18.25	16.9	17.6	18.5
Total Capital Ratio %	20.49	18.4	16.9	17.6	18.5
Core Tier 1 Capital Ratio	14.98	14.22	14.36	14.32	14.4
Tier 2 Capital Ratio	0.48	0.15	0	0	0
Equity Tier 1 Capital Ratio	17.96	15.84	14.38	15.68	16.88
Coverage Ratio	71.9	53.79	60.08	42.12	44.5
Interbank Ratio	92.15	95.75	25.77	69.96	68.98
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	-	-	-	-	-
EBT + Interest Expense / Interest Expense	3.91	2.46	2.02	1.19	1.33
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	14.38	-1.25	10.21	-2.59	8.99
Non Interest Income, 1 Yr. Growth %	5.26	-3.26	20.43	24.34	2.17
Provision For Loan Losses, 1 Yr. Growth %	-121.33	-119.59	3.48T	-46.87	-4.9
Total Revenues, 1 Yr. Growth %	9.62	-3.36	15.53	21.24	3.26
Earnings From Cont. Operations, 1 Yr. Growth %	13.91	2.35	263.68	-81.21	51.55
Net Income, 1 Yr. Growth %	13.73	2.32	264.99	-81.42	52.74
Normalized Net Income, 1 Yr. Growth %	15.68	-0.86	-37.15	90.48	20.39
Diluted EPS Before Extra, 1 Yr. Growth %	16.48	9.22	275.56	-81.69	55.26
Dividend Per Share, 1 Yr. Growth %	35.14	10	27.27	28.57	22.22
Gross Loans, 1 Yr. Growth %	3.83	-2.99	65.79	-8.93	12.96
Allowance For Loan Losses, 1 Yr. Growth %	-20.62	-8.07	100.87	15.57	25.01
Net Loans, 1 Yr. Growth %	3.93	-2.97	65.69	-8.99	12.92
Non Performing Loans, 1 Yr. Growth %	-24.84	-2.26	148.86	4.1	8.17
Non Performing Assets, 1 Yr. Growth %	-24.84	-2.26	148.86	4.1	8.17
Total Assets, 1 Yr. Growth %	-0.76	-1.15	55.5	-8.85	3.35
Total Deposits, 1 Yr Growth %	3.32	-3.13	50.85	-5.84	5.71
Tangible Book Value, 1 Yr. Growth %	2.57	-8.1	57.84	0.84	6.96
Average Interest Earning Assets, 1 Yr. Growth %	-	-0.46	29.77	16.45	-1.02
Average Interest Bearing Liabilities, 1 Yr. Growth %	-	-1.16	28.34	15.74	-0.25
Common Equity, 1 Yr. Growth %	2.05	-6.24	51.4	-0.64	6.03
Total Equity, 1 Yr. Growth %	2.07	-6.2	51.42	-0.68	5.74
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	22.05	6.28	4.32	3.61	3.04
Non Interest Income, 2 Yr. CAGR %	8.13	1.11	7.9	22.61	12.71
Provision For Loan Losses, 2 Yr. CAGR %	37.75	-79.56	164.7	335.89	-28.92
Total Revenues, 2 Yr. CAGR %	10.78	3.08	5.63	18.55	11.89
Earnings From Cont. Operations, 2 Yr. CAGR %	31.79	7.97	92.93	-18.06	-46.64
Net Income, 2 Yr. CAGR %	31.63	7.87	93.25	-18.36	-46.73
Normalized Net Income, 2 Yr. CAGR %	29.68	7.76	-21.09	10.26	313.37
Diluted EPS Before Extra, 2 Yr. CAGR %	34.43	12.79	102.53	-17.81	-46.68
Dividend Per Share, 2 Yr. CAGR %	-17.24	21.92	18.32	27.92	25.36
Gross Loans, 2 Yr. CAGR %	11.67	0.36	26.61	22.81	1.43
Allowance For Loan Losses, 2 Yr. CAGR %	10.26	-14.58	35.89	32.5	20.2
Net Loans, 2 Yr. CAGR %	11.69	0.42	26.58	22.78	1.37
Non Performing Loans, 2 Yr. CAGR %	-1.61	-14.29	55.96	60.96	6.12
Non Performing Assets, 2 Yr. CAGR %	-1.61	-14.29	55.96	60.96	6.12
Total Assets, 2 Yr. CAGR %	7.2	-0.96	23.98	19.04	-2.94
Total Deposits, 2 Yr CAGR %	9.96	0.04	20.88	19.18	-0.23
Tangible Book Value, 2 Yr. CAGR %	6.31	-2.91	20.44	25.74	3.85
Average Interest Earning Assets, 2 Yr. CAGR %	-	1.87	13.65	22.93	7.36
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	2.22	12.63	21.88	7.45
Common Equity, 2 Yr. CAGR %	5.5	-2.18	19.14	22.31	2.64
Total Equity, 2 Yr. CAGR %	5.63	-2.15	19.17	22.29	2.48
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	9.92	13.73	7.57	1.96	5.37
Non Interest Income, 3 Yr. CAGR %	3.86	4.33	7.01	13.12	15.38
Provision For Loan Losses, 3 Yr. CAGR %	7.84	-28.09	14.32	54.99	162.41
Total Revenues, 3 Yr. CAGR %	5.19	5.96	6.94	10.6	13.22
Earnings From Cont. Operations, 3 Yr. CAGR %	18.29	21.14	61.85	-11.75	0.58
Net Income, 3 Yr. CAGR %	18.2	21.03	61.95	-11.98	0.6
Normalized Net Income, 3 Yr. CAGR %	15.29	18.21	-10.37	6.03	14.54
Diluted EPS Before Extra, 3 Yr. CAGR %	20.58	25.44	68.43	-9.64	1.6
Dividend Per Share, 3 Yr. CAGR %	-11.09	-9.01	23.68	21.64	25.99
Gross Loans, 3 Yr. CAGR %	8.34	6.55	18.51	13.4	19.43
Allowance For Loan Losses, 3 Yr. CAGR %	7.68	3.78	13.59	17.3	29.96
Net Loans, 3 Yr. CAGR %	8.35	6.57	18.53	13.39	19.4
Non Performing Loans, 3 Yr. CAGR %	-0.44	-1.83	22.27	36.3	40.99
Non Performing Assets, 3 Yr. CAGR %	-1.25	-1.83	22.27	36.3	40.99
Total Assets, 3 Yr. CAGR %	5.24	4.34	15.11	11.89	13.56
Total Deposits, 3 Yr CAGR %	8.89	5.41	14.72	11.22	14.51
Tangible Book Value, 3 Yr. CAGR %	5.27	1.28	14.16	13.27	19.14
Average Interest Earning Assets, 3 Yr. CAGR %	-	-	10.43	14.58	14.36
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	-	10.28	13.66	14
Common Equity, 3 Yr. CAGR %	4.65	1.43	13.15	11.94	16.62
Total Equity, 3 Yr. CAGR %	4.73	1.53	13.18	11.94	16.51
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	0.66	1.75	7.65	9.57	5.73
Non Interest Income, 5 Yr. CAGR %	5.07	3.3	5.46	11.1	9.26
Provision For Loan Losses, 5 Yr. CAGR %	31.25	-26.04	54.45	47.85	-5.46
Total Revenues, 5 Yr. CAGR %	4.26	3.07	5.37	10.67	8.9
Earnings From Cont. Operations, 5 Yr. CAGR %	16.88	48.92	43.86	3.61	3.48
Net Income, 5 Yr. CAGR %	17.37	51.09	43.88	3.39	3.44
Normalized Net Income, 5 Yr. CAGR %	11.2	8.12	-1.37	14.42	11.25
Diluted EPS Before Extra, 5 Yr. CAGR %	18.54	55.18	48.38	5.92	5.94
Dividend Per Share, 5 Yr. CAGR %	-3.28	-3.78	-0.32	4.28	24.35
Gross Loans, 5 Yr. CAGR %	6.37	3.6	15.31	12.7	11.33
Allowance For Loan Losses, 5 Yr. CAGR %	-	0.58	18.18	14.43	9.88
Net Loans, 5 Yr. CAGR %	6.31	3.61	15.3	12.7	11.34
Non Performing Loans, 5 Yr. CAGR %	0.25	1.66	19.14	19.64	15.53
Non Performing Assets, 5 Yr. CAGR %	-	1.09	18.56	19.64	15.53
Total Assets, 5 Yr. CAGR %	3.98	3.29	12.37	9.99	7.52
Total Deposits, 5 Yr CAGR %	5.42	4.59	13.54	10.72	8.49
Tangible Book Value, 5 Yr. CAGR %	1.65	1.35	11.09	10.43	9.78
Average Interest Earning Assets, 5 Yr. CAGR %	-	-	-	-	9.19
Average Interest Bearing Liabilities, 5 Yr. CAGR %	-	-	-	-	9.14
Common Equity, 5 Yr. CAGR %	2.77	1.62	10.22	9.32	8.7
Total Equity, 5 Yr. CAGR %	2.63	1.72	10.29	9.37	8.65