Balance Sheet UMB Financial Corporation

Equities

UMBF

US9027881088

Banks

Market Closed - Nasdaq Other stock markets 01:30:00 18/04/2026 am IST			5-day change	1st Jan Change
123.59 ^USD	+2.52%		+2.79%	+7.43%

08/04	Autonomous Research Initiates Coverage on UMB Financial With Outperform Rating, $135 Price Target	MT
07/04	RBC Lifts Price Target on UMB Financial to $138 From $134, Keeps Outperform Rating	MT

0589e.xP_qVcRwYwWv5L6qKmhfkvVKQj-_tZOzXDWS2BCAjJ0.orCPGrc9JnPhsdfiRS869qMIN1zd__LHJUfZsCLS7uWzsLA3gRIpaJye0Q

Published financial data: UMB FINANCIAL CORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	62Cr	81Cr	140Cr	161.29Cr	241.53Cr
Interest Income On Investments	24Cr	33Cr	44Cr	56Cr	94Cr
Interest Income, Total	86Cr	113.75Cr	183.87Cr	217.1Cr	335.43Cr
Interest On Deposits	2.64Cr	17Cr	70Cr	98Cr	133.65Cr
Total Interest On Borrowings	1.96Cr	5.62Cr	21Cr	19Cr	16Cr
Interest Expense, Total	4.6Cr	22Cr	92Cr	117.01Cr	149.21Cr
Net Interest Income	82Cr	91Cr	92Cr	100.09Cr	186.22Cr
Service Charges On Deposits	8.61Cr	8.52Cr	8.5Cr	8.45Cr	11Cr
Trust Income	22Cr	24Cr	26Cr	29Cr	34Cr
Income From Trading Activities	3.09Cr	2.32Cr	1.96Cr	2.42Cr	2.53Cr
Gain (Loss) on Sale of Assets	26.66L	30.63L	43.43L	31.97L	-1L
Gain (Loss) on Sale of Invest. & Securities - (Rev)	50.57L	5.84Cr	-31.39L	1.07Cr	3.1Cr
Total Other Non Interest Income	12Cr	15Cr	18Cr	21Cr	28Cr
Non Interest Income, Total	47Cr	55Cr	54Cr	63Cr	79Cr
Revenues Before Provison For Loan Losses	128.27Cr	146.8Cr	146.2Cr	162.9Cr	265.23Cr
Provision For Loan Losses	2Cr	3.79Cr	4.12Cr	6.1Cr	15Cr
Total Revenues	126.27Cr	143.01Cr	142.07Cr	156.8Cr	249.78Cr
Salaries And Other Employee Benefits	48Cr	50Cr	53Cr	57Cr	85Cr
Amort. of Goodwill & Intang. Assets	47.57L	50.37L	85.87L	77.05L	9.35Cr
Occupancy Expense	3.55Cr	3.69Cr	4.85Cr	3.7Cr	5.71Cr
Federal Deposit Insurance	1.19Cr	1.54Cr	7.7Cr	3.19Cr	2.88Cr
Selling General & Admin Expenses, Total	24Cr	27Cr	26Cr	30Cr	46Cr
Total Other Non Interest Expense	5.33Cr	6.96Cr	6.72Cr	7.48Cr	14Cr
Non Interest Expense, Total	83Cr	90Cr	100Cr	102.67Cr	162.28Cr
EBT, Excl. Unusual Items	43Cr	53Cr	42Cr	54Cr	87Cr
Total Merger & Related Restructuring Charges	-	-	-	-	-
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	43Cr	53Cr	42Cr	54Cr	87Cr
Income Tax Expense	7.6Cr	10Cr	7.16Cr	10Cr	17Cr
Earnings From Continuing Operations	35Cr	43Cr	35Cr	44Cr	70Cr
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	35Cr	43Cr	35Cr	44Cr	70Cr
Net Income - (IS)	35Cr	43Cr	35Cr	44Cr	70Cr
Preferred Dividend and Other Adjustments	-	-	-	-	1.78Cr
Net Income to Common Incl Extra Items	35Cr	43Cr	35Cr	44Cr	68Cr
Net Income to Common Excl. Extra Items	35Cr	43Cr	35Cr	44Cr	68Cr
Per Share Items
Net EPS - Basic	7.31	8.93	7.22	9.05	9.35
Basic EPS - Continuing Operations	7.31	8.93	7.22	9.05	9.35
Basic Weighted Average Shares Outstanding	4.83Cr	4.83Cr	4.85Cr	4.87Cr	7.33Cr
Net EPS - Diluted	7.24	8.86	7.18	8.99	9.29
Diluted EPS - Continuing Operations	7.24	8.86	7.18	8.99	9.29
Diluted Weighted Average Shares Outstanding	4.87Cr	4.87Cr	4.88Cr	4.91Cr	7.37Cr
Normalized Basic EPS	5.56	6.88	5.43	6.94	7.46
Normalized Diluted EPS	5.5	6.82	5.4	6.9	7.42
Dividend Per Share	1.38	1.49	1.53	1.57	1.63
Payout Ratio	18.91	16.69	21.21	17.48	19.31
Supplemental Items
Effective Tax Rate - (Ratio)	17.72	18.86	16.98	18.48	19.72
Current Domestic Taxes	8.88Cr	11Cr	9.2Cr	12Cr	8.97Cr
Total Current Taxes	8.88Cr	11Cr	9.2Cr	12Cr	8.97Cr
Deferred Domestic Taxes	-1.27Cr	-63.08L	-2.04Cr	-1.62Cr	8.28Cr
Total Deferred Taxes	-1.27Cr	-63.08L	-2.04Cr	-1.62Cr	8.28Cr
Normalized Net Income	27Cr	33Cr	26Cr	34Cr	55Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	2.12Cr	2.15Cr	1.87Cr	2.26Cr	3.77Cr
Total Stock-Based Compensation	2.12Cr	2.15Cr	1.87Cr	2.26Cr	3.77Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	41Cr	51Cr	45Cr	57Cr	100.06Cr
Investment Securities, Total	667.84Cr	729.96Cr	712.25Cr	729.06Cr	1.09TCr
Trading Asset Securities, Total	8.96Cr	6.61Cr	18Cr	26Cr	30Cr
Mortgage Backed Securities	836.12Cr	694.77Cr	635.9Cr	694.41Cr	1.07TCr
Total investments	1.51TCr	1.43TCr	1.37TCr	1.45TCr	2.19TCr
Gross Loans	1.72TCr	2.1TCr	2.32TCr	2.56TCr	3.88TCr
Allowance For Loan Losses	-19Cr	-19Cr	-22Cr	-26Cr	-42Cr
Net Loans	1.7TCr	2.08TCr	2.3TCr	2.54TCr	3.84TCr
Gross Property Plant And Equipment	63Cr	64Cr	66Cr	67Cr	90Cr
Accumulated Depreciation	-36Cr	-37Cr	-39Cr	-42Cr	-45Cr
Net Property Plant And Equipment	28Cr	27Cr	26Cr	25Cr	45Cr
Goodwill	17Cr	21Cr	21Cr	21Cr	183.98Cr
Other Intangibles, Total	6.72Cr	12Cr	10Cr	8.08Cr	50Cr
Investment in FHLB	-	-	-	-	-
Loans Held For Sale	12.77L	19.78L	44.2L	27.56L	20.3L
Accrued Interest Receivable	13Cr	19Cr	22Cr	25Cr	35Cr
Other Receivables	7.36Cr	7.61Cr	8.66Cr	10Cr	12Cr
Restricted Cash	880.07Cr	105.72Cr	508.11Cr	787.55Cr	681.94Cr
Deferred Tax Assets Long-Term (Collected)	-	25Cr	22Cr	24Cr	28Cr
Other Real Estate Owned And Foreclosed	-	68T	17.38L	2.84Cr	48L
Other Long-Term Assets, Total	65Cr	67Cr	76Cr	92Cr	147.87Cr
Total Assets	4.27TCr	3.85TCr	4.4TCr	5.04TCr	7.31TCr
Liabilities
Accrued Expenses, Total	22Cr	24Cr	38Cr	36Cr	43Cr
Interest Bearing Deposits	1.88TCr	1.88TCr	2.29TCr	2.84TCr	4.17TCr
Institutional Deposits	45Cr	54Cr	78Cr	115.85Cr	182.62Cr
Non-Interest Bearing Deposits	1.63TCr	1.33TCr	1.21TCr	1.36TCr	1.71TCr
Total Deposits	3.56TCr	3.26TCr	3.58TCr	4.31TCr	6.07TCr
Short-Term Borrowings	325.24Cr	234.85Cr	402.47Cr	271.72Cr	346.14Cr
Current Portion of Long-Term Debt	-	-	-	-	-
Current Portion of Leases	1.24Cr	1.23Cr	1.2Cr	1.2Cr	1.81Cr
Long-Term Debt	20Cr	31Cr	31Cr	31Cr	25Cr
Long-Term Leases	5.22Cr	5.12Cr	4.69Cr	4.31Cr	5.45Cr
Trust Preferred Securities (BS)	7.32Cr	7.46Cr	7.56Cr	7.68Cr	22Cr
Other Current Liabilities - (Bank / Utility Template)	31.97L	35.03L	80.18L	71L	40.52L
Deferred Tax Liability Non-Current	2.21Cr	-	-	-	-
Other Non Current Liabilities	11Cr	17Cr	26Cr	27Cr	30Cr
Total Liabilities	3.95TCr	3.58TCr	4.09TCr	4.69TCr	6.54TCr
Preferred Stock Non Redeemable	-	-	-	-	29Cr
Total Preferred Equity	-	-	-	-	29Cr
Common Stock, Total	5.51Cr	5.51Cr	5.51Cr	5.51Cr	7.87Cr
Additional Paid In Capital	111.05Cr	112.59Cr	113.44Cr	114.56Cr	401.1Cr
Retained Earnings	217.7Cr	253.61Cr	281.08Cr	317.49Cr	373.64Cr
Treasury Stock	-32Cr	-35Cr	-34Cr	-34Cr	-17Cr
Comprehensive Income and Other	13Cr	-70Cr	-56Cr	-57Cr	-26Cr
Total Common Equity	314.54Cr	266.71Cr	310.04Cr	346.65Cr	739.95Cr
Total Equity	314.54Cr	266.71Cr	310.04Cr	346.65Cr	769.36Cr
Total Liabilities And Equity	4.27TCr	3.85TCr	4.4TCr	5.04TCr	7.31TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	4.85Cr	4.85Cr	4.87Cr	7.26Cr	7.61Cr
ECS Total Common Shares Outstanding	4.84Cr	4.83Cr	4.86Cr	4.88Cr	7.6Cr
Book Value / Share	64.95	55.2	63.85	71.02	97.41
Tangible Book Value	290.37Cr	233.53Cr	279.16Cr	317.84Cr	506.24Cr
Tangible Book Value Per Share	59.96	48.33	57.49	65.11	66.65
Average Assets	3.53TCr	3.76TCr	3.97TCr	4.32TCr	6.63TCr
Average Loans	1.66TCr	1.88TCr	2.23TCr	2.42TCr	3.61TCr
Total Debt	358.85Cr	279.33Cr	446.69Cr	315.76Cr	400.83Cr
Deposits at Interest - Cash	880.07Cr	105.72Cr	508.11Cr	787.55Cr	681.94Cr
Federal Funds Sold	121.64Cr	96Cr	25Cr	54Cr	154.81Cr
Net Debt	182.76Cr	114.6Cr	351.6Cr	166.57Cr	108.29Cr
Equity Method Investments, Total	-	-	-	-	-
Full Time Employees	3.53T	3.77T	3.6T	3.7T	5.22T
Number Of Offices	91	89	88	93	193

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	35Cr	43Cr	35Cr	44Cr	70Cr
Depreciation, Depletion & Amortization	5.1Cr	4.9Cr	5.01Cr	4.51Cr	4.82Cr
Amortization of Goodwill and Intangible Assets - (CF)	47.57L	50.37L	85.87L	77.05L	9.35Cr
Total Depreciation, Depletion & Amortization	5.57Cr	5.4Cr	5.87Cr	5.28Cr	14Cr
Amortization of Deferred Charges, Total	4L	6L	9L	9L	7L
Gain (Loss) on Sale of Loans & Receivables - (CF)	-51.28L	-11.95L	-16.93L	-22.79L	-27.42L
(Gain) Loss On Sale of Asset - (CF)	-26.66L	-30.63L	-43.43L	-31.97L	1L
(Gain) Loss on Sale of Investments - (CF)	4.89Cr	-1.19Cr	4.62Cr	3.72Cr	-18Cr
Provision for Credit Losses	2Cr	3.79Cr	4.12Cr	6.1Cr	15Cr
Stock-Based Compensation (CF)	2.12Cr	2.15Cr	1.87Cr	2.26Cr	3.77Cr
Tax Benefit from Stock Options	25.97L	-	-	-	-
Net (Increase) Decrease in Loans Originated / Sold - Operating	1.06Cr	5L	-7L	39.43L	34.68L
Changes in Accrued Interest Receivable	45.87L	-5.82Cr	-3.11Cr	-2.46Cr	-2.93Cr
Change in Other Net Operating Assets (Collected)	4.78Cr	29Cr	1.52Cr	-34Cr	11Cr
Other Operating Activities	-2.31Cr	75.87L	-2.06Cr	-2.66Cr	8.9Cr
Net Cash From Discontinued Operations	-	-	-	-	-
Cash from Operations	53Cr	77Cr	47Cr	23Cr	102.67Cr
Capital Expenditure	-3.37Cr	-5.17Cr	-2.69Cr	-2.42Cr	-4.86Cr
Sale of Property, Plant, and Equipment	39L	67.31L	38.06L	41.97L	-
Cash Acquisitions	-	-	-8L	-11Cr	-
Divestitures	1.84Cr	55Cr	-	-	17Cr
Investment in Marketable and Equity Securities, Total	-344.04Cr	-65Cr	20Cr	-42Cr	-145.16Cr
Net (Increase) Decrease in Loans Originated / Sold - Investing	-111.77Cr	-395.22Cr	-215.91Cr	-241.56Cr	-325.25Cr
Other Investing Activities, Total	33Cr	26Cr	71Cr	-30Cr	-103.67Cr
Cash from Investing	-423.55Cr	-384.54Cr	-127.33Cr	-326.25Cr	-562.01Cr
Short Term Debt Issued, Total	92Cr	-	3.29TCr	99Cr	69Cr
Long-Term Debt Issued, Total	-	11Cr	-	-	-
Total Debt Issued	92Cr	11Cr	3.29TCr	99Cr	69Cr
Short Term Debt Repaid, Total	-	-101.63Cr	-3.12TCr	-230Cr	-
Long-Term Debt Repaid, Total	-	-	-	-	-20Cr
Total Debt Repaid	-	-101.63Cr	-3.12TCr	-230Cr	-20Cr
Issuance of Common Stock	1.9Cr	21.36L	24.61L	46.85L	24Cr
Repurchase of Common Stock	-55.06L	-3.2Cr	-83.67L	-77.38L	-1.76Cr
Issuance of Preferred Stock	-	-	-	-	29Cr
Repurchase of Preferred Stock	-	-	-	-	-12Cr
Common Dividends Paid	-6.68Cr	-7.2Cr	-7.42Cr	-7.71Cr	-14Cr
Common & Preferred Stock Dividends Paid	-6.68Cr	-7.2Cr	-7.42Cr	-7.71Cr	-14Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	854.87Cr	-357.06Cr	315.37Cr	734.92Cr	316.24Cr
Other Financing Activities, Total	-	-21.29L	-	-14.13L	-5L
Cash from Financing	941.84Cr	-458.09Cr	477.11Cr	595.76Cr	391.67Cr
Net Change in Cash	571.7Cr	-765.67Cr	397.04Cr	292.04Cr	-68Cr
Supplemental Items
Cash Interest Paid	4.71Cr	20Cr	84Cr	120.47Cr	146.61Cr
Cash Income Tax Paid (Refund)	9.26Cr	10Cr	7.93Cr	7.69Cr	6.32Cr
Net Debt Issued / Repaid	92Cr	-91Cr	169.75Cr	-130.99Cr	49Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.93	1.06	0.85	0.93	1.14
Return On Equity %	11.46	14.85	12.14	13.44	12.59
Return on Common Equity	11.46	14.85	12.14	13.44	12.6
Shareholders Value Added	-1.2Cr	8.8Cr	1.26Cr	5.49Cr	14Cr
Margin Analysis
SG&A Margin	60.48	56.51	59.57	58.18	54.52
Net Interest Income / Total Revenues %	64.59	63.9	64.76	63.83	74.56
EBT Excl. Non-Recurring Items Margin %	33.98	37.2	29.67	34.52	35.03
Income From Continuing Operations Margin %	27.96	30.18	24.64	28.14	28.12
Net Income Margin %	27.96	30.18	24.64	28.14	28.12
Net Avail. For Common Margin %	27.96	30.18	24.64	28.14	27.41
Normalized Net Income Margin	21.24	23.25	18.55	21.58	21.89
Asset quality
Nonperforming Loans / Total Loans %	0.54	0.09	0.06	0.08	0.37
Nonperforming Loans / Total Assets %	0.22	0.05	0.03	0.04	0.2
Nonperforming Assets / Total Assets %	0.22	0.05	0.03	0.09	0.2
NPAs / Loans and OREO	0.54	0.09	0.06	0.19	0.39
NPAs / Equity	2.93	0.72	0.48	1.38	1.94
Allowance for Credit Losses / Net Charge-offs %	434.06	481.18	2.1T	1.11T	509.25
Allowance for Credit Losses / Nonperforming Loans %	211.02	995.57	1.66T	1.34T	289.96
Allowance for Credit Losses / Total Loans %	1.13	0.91	0.95	1.01	1.08
Net Charge-offs / Total Average Loans %	0.27	0.21	0.05	0.1	0.23
Provision for Loan Losses / Net Charge-offs %	44.57	95.06	393.61	262.45	187.57
Earning Assets / IBL	163.47	168.85	146.83	141.14	137.63
Interest Income / Average Assets	2.44	3.03	4.63	5.03	5.06
Interest Expense / Average Assets	0.13	0.6	2.31	2.71	2.25
Net Interest Income / Average Assets	2.31	2.43	2.32	2.32	2.81
Non Interest Income / Average Assets	1.32	1.47	1.36	1.45	1.19
Non Interest Expense / Average Asset	2.36	2.39	2.51	2.38	2.45
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.13	7.16	6.99	6.95	8.8
Total Average Equity / Total Average Assets %	8.13	7.16	6.99	6.95	9.04
Total Equity + Allowance for Loan Losses / Total Loans %	19.45	13.59	14.33	14.53	20.92
Gross Loans / Total Deposits %	48.23	64.44	64.74	59.44	63.93
Net Loans / Total Deposits %	47.69	63.85	64.13	58.84	63.24
Tier 1 Capital Ratio %	12.05	10.62	10.94	11.29	11.55
Total Capital Ratio %	13.88	12.5	12.85	13.21	13.36
Core Tier 1 Capital Ratio	12.05	10.62	10.94	11.29	10.96
Tier 2 Capital Ratio	1.83	1.88	1.91	1.91	1.81
Coverage Ratio	-	-	-	-	-
Leverage Ratio %	7.61	8.43	8.49	8.5	8.54
Interbank Ratio	38.83	48.62	15.05	25.13	48.12
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	22.9	10.47	2.97	3.88	6.63
EBT + Interest Expense / Interest Expense	10.33	3.38	1.46	1.46	1.59
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	11.53	12.05	0.69	8.78	86.05
Non Interest Income, 1 Yr. Growth %	-16.6	18.63	-2.23	15.92	25.78
Provision For Loan Losses, 1 Yr. Growth %	-84.67	89.5	8.78	48.08	153.07
Total Revenues, 1 Yr. Growth %	8.77	13.26	-0.66	10.36	59.3
Earnings From Cont. Operations, 1 Yr. Growth %	23.22	22.28	-18.92	26.06	59.19
Net Income, 1 Yr. Growth %	23.22	22.28	-18.92	26.06	59.19
Normalized Net Income, 1 Yr. Growth %	26.61	23.99	-20.75	28.38	61.65
Diluted EPS Before Extra, 1 Yr. Growth %	22.09	22.38	-18.96	25.21	3.34
Dividend Per Share, 1 Yr. Growth %	10.4	7.97	2.68	2.61	3.82
Gross Loans, 1 Yr. Growth %	6.63	22.48	10.18	10.66	51.23
Allowance For Loan Losses, 1 Yr. Growth %	-9.82	-1.51	14.54	17.91	61.9
Net Loans, 1 Yr. Growth %	6.85	22.76	10.14	10.59	51.12
Non Performing Loans, 1 Yr. Growth %	5.1	-79.12	-31.43	45.94	650.26
Non Performing Assets, 1 Yr. Growth %	-0.28	-79.05	-22.69	218.88	213.52
Total Assets, 1 Yr. Growth %	28.88	-9.79	14.28	14.54	45
Total Deposits, 1 Yr Growth %	31.6	-8.32	9.66	20.53	40.6
Tangible Book Value, 1 Yr. Growth %	5.56	-19.58	19.54	13.85	59.28
Average Interest Earning Assets, 1 Yr. Growth %	24.68	6.22	5.29	8.89	49.19
Average Interest Bearing Liabilities, 1 Yr. Growth %	17.54	2.84	21.08	13.28	53
Common Equity, 1 Yr. Growth %	4.26	-15.21	16.25	11.81	113.45
Total Equity, 1 Yr. Growth %	4.26	-15.21	16.25	11.81	121.94
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	10.25	11.79	6.22	4.66	42.26
Non Interest Income, 2 Yr. CAGR %	4.63	-0.53	7.7	6.46	20.75
Provision For Loan Losses, 2 Yr. CAGR %	-21.97	-46.11	43.57	26.92	93.59
Total Revenues, 2 Yr. CAGR %	8.9	10.99	6.07	4.71	32.59
Earnings From Cont. Operations, 2 Yr. CAGR %	20.38	22.75	-0.42	1.1	41.66
Net Income, 2 Yr. CAGR %	20.38	22.75	-0.42	1.1	41.66
Normalized Net Income, 2 Yr. CAGR %	22.49	25.29	-0.87	0.87	44.06
Diluted EPS Before Extra, 2 Yr. CAGR %	20.82	22.23	-0.42	0.73	13.75
Dividend Per Share, 2 Yr. CAGR %	6.79	9.18	5.29	2.65	3.22
Gross Loans, 2 Yr. CAGR %	13.07	14.28	16.17	10.42	29.36
Allowance For Loan Losses, 2 Yr. CAGR %	38.33	-5.75	6.22	16.21	38.17
Net Loans, 2 Yr. CAGR %	12.85	14.53	16.28	10.36	29.28
Non Performing Loans, 2 Yr. CAGR %	27.99	-53.16	-62.17	0.03	230.9
Non Performing Assets, 2 Yr. CAGR %	24.78	-54.29	-59.75	57.02	216.19
Total Assets, 2 Yr. CAGR %	26.78	7.82	1.53	14.41	28.87
Total Deposits, 2 Yr CAGR %	28.37	9.84	0.27	14.97	30.18
Tangible Book Value, 2 Yr. CAGR %	11.58	-7.86	-1.95	16.66	34.66
Average Interest Earning Assets, 2 Yr. CAGR %	22.9	15.08	5.76	7.08	27.46
Average Interest Bearing Liabilities, 2 Yr. CAGR %	17.49	9.94	11.59	17.12	31.65
Common Equity, 2 Yr. CAGR %	9.85	-5.98	-0.72	14.01	54.49
Total Equity, 2 Yr. CAGR %	9.85	-5.98	-0.72	14.01	57.53
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	10.14	10.85	7.96	7.07	26.78
Non Interest Income, 3 Yr. CAGR %	5.16	9.1	-1.1	10.37	12.54
Provision For Loan Losses, 3 Yr. CAGR %	-34.37	4.88	-31.89	45.06	59.75
Total Revenues, 3 Yr. CAGR %	10.28	10.33	6.96	7.48	20.43
Earnings From Cont. Operations, 3 Yr. CAGR %	21.62	21.01	6.9	7.72	17.62
Net Income, 3 Yr. CAGR %	21.77	21.01	6.9	7.72	17.62
Normalized Net Income, 3 Yr. CAGR %	24.27	22.99	7.55	8.05	18.04
Diluted EPS Before Extra, 3 Yr. CAGR %	22.48	21.33	6.58	7.48	1.59
Dividend Per Share, 3 Yr. CAGR %	5.66	7.18	6.97	4.39	3.04
Gross Loans, 3 Yr. CAGR %	12.13	16.12	12.9	14.3	22.62
Allowance For Loan Losses, 3 Yr. CAGR %	23.41	23.52	0.58	9.98	29.8
Net Loans, 3 Yr. CAGR %	12.03	16.06	13.05	14.35	22.56
Non Performing Loans, 3 Yr. CAGR %	28.98	-30.07	-46.82	-40.66	95.81
Non Performing Assets, 3 Yr. CAGR %	25.81	-31.16	-45.54	-19.77	97.72
Total Assets, 3 Yr. CAGR %	22.28	13.18	9.93	5.69	23.81
Total Deposits, 3 Yr CAGR %	22.68	14.75	9.78	6.61	22.95
Tangible Book Value, 3 Yr. CAGR %	13.67	0.04	0.49	3.06	29.42
Average Interest Earning Assets, 3 Yr. CAGR %	19.67	17.07	11.72	6.79	19.59
Average Interest Bearing Liabilities, 3 Yr. CAGR %	17.17	12.39	13.54	12.15	28.03
Common Equity, 3 Yr. CAGR %	12.17	0.77	0.91	3.29	40.51
Total Equity, 3 Yr. CAGR %	12.17	0.77	0.91	3.29	42.35
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	10.49	10.33	8.55	8.33	20.56
Non Interest Income, 5 Yr. CAGR %	3.02	5.52	6.17	8.04	7.12
Provision For Loan Losses, 5 Yr. CAGR %	-9.25	-1.56	-10.24	13.2	3.43
Total Revenues, 5 Yr. CAGR %	7.85	8.72	8.58	8.05	16.56
Earnings From Cont. Operations, 5 Yr. CAGR %	18.1	18.73	12.27	12.62	19.64
Net Income, 5 Yr. CAGR %	17.32	11.8	12.35	12.62	19.64
Normalized Net Income, 5 Yr. CAGR %	16.66	17.62	13.52	13.61	20.89
Diluted EPS Before Extra, 5 Yr. CAGR %	18.34	19.28	12.75	12.63	9.39
Dividend Per Share, 5 Yr. CAGR %	6.87	7.46	5.51	5.35	5.45
Gross Loans, 5 Yr. CAGR %	10.25	13.27	13.73	13.81	19.22
Allowance For Loan Losses, 5 Yr. CAGR %	16.27	13.78	16.22	20.55	14.2
Net Loans, 5 Yr. CAGR %	10.19	13.26	13.71	13.75	19.28
Non Performing Loans, 5 Yr. CAGR %	5.61	-20.09	-21.03	-19.3	10.5
Non Performing Assets, 5 Yr. CAGR %	5.55	-20.44	-20.25	-4.27	10.06
Total Assets, 5 Yr. CAGR %	15.6	12.08	13.51	13.67	17.15
Total Deposits, 5 Yr CAGR %	16.53	12.61	13.17	14.84	17.53
Tangible Book Value, 5 Yr. CAGR %	11.31	3.91	7.15	6.39	12.97
Average Interest Earning Assets, 5 Yr. CAGR %	12.99	13.43	13.9	12.96	17.77
Average Interest Bearing Liabilities, 5 Yr. CAGR %	12.28	11.68	14.91	14.26	20.46
Common Equity, 5 Yr. CAGR %	9.9	4.1	6.83	5.87	19.65
Total Equity, 5 Yr. CAGR %	9.9	4.1	6.83	5.87	20.59