Income Statement UMB Financial Corporation

Equities

UMBF

US9027881088

Banks

Market Closed - Nasdaq Other stock markets 01:30:00 21/06/2025 am IST			5-day change	1st Jan Change
100.66 ^USD	+1.18%		-0.04%	-10.81%

13/06	UMB Financial Corporation, Q1 2025 Earnings Call, Apr 30, 2025
12/06	UMB Financial Corporation Announces Full Redemption of its Series A Preferred Stock	CI

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Published financial data: UMB FINANCIAL CORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	59Cr	62Cr	81Cr	140Cr	161.29Cr
Interest Income On Investments	22Cr	24Cr	33Cr	44Cr	56Cr
Interest Income, Total	81Cr	86Cr	113.75Cr	183.87Cr	217.1Cr
Interest On Deposits	5.82Cr	2.64Cr	17Cr	70Cr	98Cr
Total Interest On Borrowings	1.9Cr	1.96Cr	5.62Cr	21Cr	19Cr
Interest Expense, Total	7.73Cr	4.6Cr	22Cr	92Cr	117.01Cr
Net Interest Income	73Cr	82Cr	91Cr	92Cr	100.09Cr
Service Charges On Deposits	8.39Cr	8.61Cr	8.52Cr	8.5Cr	8.45Cr
Trust Income	19Cr	22Cr	24Cr	26Cr	29Cr
Income From Trading Activities	3.29Cr	3.09Cr	2.32Cr	1.96Cr	2.42Cr
Gain (Loss) on Sale of Assets	8L	26.66L	30.63L	43.43L	31.97L
Gain (Loss) on Sale of Invest. & Securities - (Rev)	12Cr	50.57L	5.84Cr	-31.39L	1.07Cr
Total Other Non Interest Income	13Cr	12Cr	15Cr	18Cr	21Cr
Non Interest Income, Total	56Cr	47Cr	55Cr	54Cr	63Cr
Revenues Before Provison For Loan Losses	129.14Cr	128.27Cr	146.8Cr	146.2Cr	162.9Cr
Provision For Loan Losses	13Cr	2Cr	3.79Cr	4.12Cr	6.1Cr
Total Revenues	116.09Cr	126.27Cr	143.01Cr	142.07Cr	156.8Cr
Salaries And Other Employee Benefits	48Cr	48Cr	50Cr	53Cr	57Cr
Amort. of Goodwill & Intang. Assets	65.17L	47.57L	50.37L	85.87L	77.05L
Occupancy Expense	3.47Cr	3.55Cr	3.69Cr	4.85Cr	3.7Cr
Federal Deposit Insurance	1.03Cr	1.19Cr	1.54Cr	7.7Cr	3.19Cr
Selling General & Admin Expenses, Total	23Cr	24Cr	27Cr	26Cr	30Cr
Total Other Non Interest Expense	6.24Cr	5.33Cr	6.96Cr	6.72Cr	7.48Cr
Non Interest Expense, Total	82Cr	83Cr	90Cr	100Cr	102.67Cr
EBT, Excl. Unusual Items	34Cr	43Cr	53Cr	42Cr	54Cr
Total Merger & Related Restructuring Charges	-	-	-	-	-
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	34Cr	43Cr	53Cr	42Cr	54Cr
Income Tax Expense	5.24Cr	7.6Cr	10Cr	7.16Cr	10Cr
Earnings From Continuing Operations	29Cr	35Cr	43Cr	35Cr	44Cr
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	29Cr	35Cr	43Cr	35Cr	44Cr
Net Income - (IS)	29Cr	35Cr	43Cr	35Cr	44Cr
Net Income to Common Incl Extra Items	29Cr	35Cr	43Cr	35Cr	44Cr
Net Income to Common Excl. Extra Items	29Cr	35Cr	43Cr	35Cr	44Cr
Per Share Items
Net EPS - Basic	5.95	7.31	8.93	7.22	9.05
Basic EPS - Continuing Operations	5.95	7.31	8.93	7.22	9.05
Basic Weighted Average Shares Outstanding	4.81Cr	4.83Cr	4.83Cr	4.85Cr	4.87Cr
Net EPS - Diluted	5.93	7.24	8.86	7.18	8.99
Diluted EPS - Continuing Operations	5.93	7.24	8.86	7.18	8.99
Diluted Weighted Average Shares Outstanding	4.83Cr	4.87Cr	4.87Cr	4.88Cr	4.91Cr
Normalized Basic EPS	4.4	5.56	6.88	5.43	6.94
Normalized Diluted EPS	4.38	5.5	6.82	5.4	6.9
Dividend Per Share	1.25	1.38	1.49	1.53	1.57
Payout Ratio	21.04	18.91	16.69	21.21	17.48
Supplemental Items
Effective Tax Rate - (Ratio)	15.46	17.72	18.86	16.98	18.48
Current Domestic Taxes	5.72Cr	8.88Cr	11Cr	9.2Cr	12Cr
Total Current Taxes	5.72Cr	8.88Cr	11Cr	9.2Cr	12Cr
Deferred Domestic Taxes	-48.36L	-1.27Cr	-63.08L	-2.04Cr	-1.62Cr
Total Deferred Taxes	-48.36L	-1.27Cr	-63.08L	-2.04Cr	-1.62Cr
Normalized Net Income	21Cr	27Cr	33Cr	26Cr	34Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	1.51Cr	2.12Cr	2.15Cr	1.87Cr	2.26Cr
Total Stock-Based Compensation	1.51Cr	2.12Cr	2.15Cr	1.87Cr	2.26Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	43Cr	41Cr	51Cr	45Cr	57Cr
Investment Securities, Total	679.98Cr	667.84Cr	729.96Cr	712.25Cr	729.06Cr
Trading Asset Securities, Total	14Cr	8.96Cr	6.61Cr	18Cr	26Cr
Mortgage Backed Securities	546.82Cr	836.12Cr	694.77Cr	635.9Cr	694.41Cr
Total investments	1.24TCr	1.51TCr	1.43TCr	1.37TCr	1.45TCr
Gross Loans	1.61TCr	1.72TCr	2.1TCr	2.32TCr	2.56TCr
Allowance For Loan Losses	-22Cr	-19Cr	-19Cr	-22Cr	-26Cr
Net Loans	1.59TCr	1.7TCr	2.08TCr	2.3TCr	2.54TCr
Gross Property Plant And Equipment	63Cr	63Cr	64Cr	66Cr	67Cr
Accumulated Depreciation	-34Cr	-36Cr	-37Cr	-39Cr	-42Cr
Net Property Plant And Equipment	29Cr	28Cr	27Cr	26Cr	25Cr
Goodwill	18Cr	17Cr	21Cr	21Cr	21Cr
Other Intangibles, Total	8.52Cr	6.72Cr	12Cr	10Cr	8.08Cr
Investment in FHLB	1Cr	-	-	-	-
Loans Held For Sale	67.08L	12.77L	19.78L	44.2L	27.56L
Accrued Interest Receivable	14Cr	13Cr	19Cr	22Cr	25Cr
Other Receivables	6.21Cr	7.36Cr	7.61Cr	8.66Cr	10Cr
Restricted Cash	306.69Cr	880.07Cr	105.72Cr	508.11Cr	787.55Cr
Deferred Tax Assets Long-Term (Collected)	-	-	25Cr	22Cr	24Cr
Other Real Estate Owned And Foreclosed	47.4L	-	68T	17.38L	2.84Cr
Other Long-Term Assets, Total	55Cr	65Cr	67Cr	76Cr	92Cr
Total Assets	3.31TCr	4.27TCr	3.85TCr	4.4TCr	5.04TCr
Liabilities
Accrued Expenses, Total	22Cr	22Cr	24Cr	38Cr	36Cr
Interest Bearing Deposits	1.68TCr	1.88TCr	1.88TCr	2.29TCr	2.84TCr
Institutional Deposits	40Cr	45Cr	54Cr	78Cr	115.85Cr
Non-Interest Bearing Deposits	988Cr	1.63TCr	1.33TCr	1.21TCr	1.36TCr
Total Deposits	2.71TCr	3.56TCr	3.26TCr	3.58TCr	4.31TCr
Short-Term Borrowings	232.49Cr	325.24Cr	234.85Cr	402.47Cr	271.72Cr
Current Portion of Long-Term Debt	-	-	-	-	-
Current Portion of Leases	1.27Cr	1.24Cr	1.23Cr	1.2Cr	1.2Cr
Long-Term Debt	20Cr	20Cr	31Cr	31Cr	31Cr
Federal Home Loan Bank Debt - Long-Term	-	-	-	-	-
Long-Term Leases	5.9Cr	5.22Cr	5.12Cr	4.69Cr	4.31Cr
Trust Preferred Securities (BS)	7.17Cr	7.32Cr	7.46Cr	7.56Cr	7.68Cr
Other Current Liabilities - (Bank / Utility Template)	21.77L	31.97L	35.03L	80.18L	71L
Deferred Tax Liability Non-Current	9.56Cr	2.21Cr	-	-	-
Other Non Current Liabilities	7.69Cr	11Cr	17Cr	26Cr	27Cr
Total Liabilities	3.01TCr	3.95TCr	3.58TCr	4.09TCr	4.69TCr
Common Stock, Total	5.51Cr	5.51Cr	5.51Cr	5.51Cr	5.51Cr
Additional Paid In Capital	109.04Cr	111.05Cr	112.59Cr	113.44Cr	114.56Cr
Retained Earnings	189.12Cr	217.7Cr	253.61Cr	281.08Cr	317.49Cr
Treasury Stock	-34Cr	-32Cr	-35Cr	-34Cr	-34Cr
Comprehensive Income and Other	32Cr	13Cr	-70Cr	-56Cr	-57Cr
Total Common Equity	301.69Cr	314.54Cr	266.71Cr	310.04Cr	346.65Cr
Total Equity	301.69Cr	314.54Cr	266.71Cr	310.04Cr	346.65Cr
Total Liabilities And Equity	3.31TCr	4.27TCr	3.85TCr	4.4TCr	5.04TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	4.82Cr	4.85Cr	4.85Cr	4.87Cr	7.26Cr
ECS Total Common Shares Outstanding	4.8Cr	4.84Cr	4.83Cr	4.86Cr	4.88Cr
Book Value / Share	62.84	64.95	55.2	63.85	71.02
Tangible Book Value	275.08Cr	290.37Cr	233.53Cr	279.16Cr	317.84Cr
Tangible Book Value Per Share	57.3	59.96	48.33	57.49	65.11
Average Assets	2.86TCr	3.53TCr	3.76TCr	3.97TCr	4.32TCr
Average Loans	1.51TCr	1.66TCr	1.88TCr	2.23TCr	2.42TCr
Total Debt	266.61Cr	358.85Cr	279.33Cr	446.69Cr	315.76Cr
Deposits at Interest - Cash	306.69Cr	880.07Cr	105.72Cr	508.11Cr	787.55Cr
Federal Funds Sold	165.03Cr	121.64Cr	96Cr	25Cr	54Cr
Net Debt	40Cr	182.76Cr	114.6Cr	351.6Cr	166.57Cr
Equity Method Investments, Total	-	-	-	-	-
Full Time Employees	3.59T	3.53T	3.77T	3.6T	3.7T
Number Of Offices	91	91	89	88	93

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	29Cr	35Cr	43Cr	35Cr	44Cr
Depreciation, Depletion & Amortization	5.63Cr	5.1Cr	4.9Cr	5.01Cr	4.51Cr
Amortization of Goodwill and Intangible Assets - (CF)	65.17L	47.57L	50.37L	85.87L	77.05L
Total Depreciation, Depletion & Amortization	6.28Cr	5.57Cr	5.4Cr	5.87Cr	5.28Cr
Amortization of Deferred Charges, Total	1L	4L	6L	9L	9L
Gain (Loss) on Sale of Loans & Receivables - (CF)	-39.64L	-51.28L	-11.95L	-16.93L	-22.79L
(Gain) Loss On Sale of Asset - (CF)	-8L	-26.66L	-30.63L	-43.43L	-31.97L
(Gain) Loss on Sale of Investments - (CF)	-7.61Cr	4.89Cr	-1.19Cr	4.62Cr	3.72Cr
Provision for Credit Losses	13Cr	2Cr	3.79Cr	4.12Cr	6.1Cr
Stock-Based Compensation (CF)	1.51Cr	2.12Cr	2.15Cr	1.87Cr	2.26Cr
Tax Benefit from Stock Options	3L	25.97L	-	-	-
Net (Increase) Decrease in Loans Originated / Sold - Operating	50.59L	1.06Cr	5L	-7L	39.43L
Changes in Accrued Interest Receivable	-1.54Cr	45.87L	-5.82Cr	-3.11Cr	-2.46Cr
Change in Other Net Operating Assets (Collected)	-3.64Cr	4.78Cr	29Cr	1.52Cr	-34Cr
Other Operating Activities	57.62L	-2.31Cr	75.87L	-2.06Cr	-2.66Cr
Net Cash From Discontinued Operations	-	-	-	-	-
Cash from Operations	37Cr	53Cr	77Cr	47Cr	23Cr
Capital Expenditure	-6.02Cr	-3.37Cr	-5.17Cr	-2.69Cr	-2.42Cr
Sale of Property, Plant, and Equipment	85.68L	39L	67.31L	38.06L	41.97L
Cash Acquisitions	-	-	-	-8L	-11Cr
Divestitures	24T	1.84Cr	55Cr	-	-
Investment in Marketable and Equity Securities, Total	-157.52Cr	-344.04Cr	-65Cr	20Cr	-42Cr
Net (Increase) Decrease in Loans Originated / Sold - Investing	-269.38Cr	-111.77Cr	-395.22Cr	-215.91Cr	-241.56Cr
Other Investing Activities, Total	-17Cr	33Cr	26Cr	71Cr	-30Cr
Cash from Investing	-449.11Cr	-423.55Cr	-384.54Cr	-127.33Cr	-326.25Cr
Short Term Debt Issued, Total	43Cr	92Cr	-	3.29TCr	99Cr
Long-Term Debt Issued, Total	20Cr	-	11Cr	-	-
Total Debt Issued	63Cr	92Cr	11Cr	3.29TCr	99Cr
Short Term Debt Repaid, Total	-1.5Cr	-	-101.63Cr	-3.12TCr	-230Cr
Long-Term Debt Repaid, Total	-	-	-	-	-
Total Debt Repaid	-1.5Cr	-	-101.63Cr	-3.12TCr	-230Cr
Issuance of Common Stock	51.86L	1.9Cr	21.36L	24.61L	46.85L
Repurchase of Common Stock	-6.38Cr	-55.06L	-3.2Cr	-83.67L	-77.38L
Common Dividends Paid	-6.03Cr	-6.68Cr	-7.2Cr	-7.42Cr	-7.71Cr
Common & Preferred Stock Dividends Paid	-6.03Cr	-6.68Cr	-7.2Cr	-7.42Cr	-7.71Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	544.8Cr	854.87Cr	-357.06Cr	315.37Cr	734.92Cr
Other Financing Activities, Total	-22.5L	-	-21.29L	-	-14.13L
Cash from Financing	594.59Cr	941.84Cr	-458.09Cr	477.11Cr	595.76Cr
Net Change in Cash	182.84Cr	571.7Cr	-765.67Cr	397.04Cr	292.04Cr
Supplemental Items
Cash Interest Paid	8.41Cr	4.71Cr	20Cr	84Cr	120.47Cr
Cash Income Tax Paid (Refund)	3.41Cr	9.26Cr	10Cr	7.93Cr	7.69Cr
Net Debt Issued / Repaid	62Cr	92Cr	-91Cr	169.75Cr	-130.99Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.96	0.93	1.06	0.85	0.93
Return On Equity %	10.19	11.46	14.85	12.14	13.44
Return on Common Equity	10.19	11.46	14.85	12.14	13.44
Shareholders Value Added	-4.44Cr	-1.2Cr	8.8Cr	1.26Cr	5.49Cr
Margin Analysis
SG&A Margin	63.99	60.48	56.51	59.57	58.18
Net Interest Income / Total Revenues %	62.99	64.59	63.9	64.76	63.83
EBT Excl. Non-Recurring Items Margin %	29.19	33.98	37.2	29.67	34.52
Income From Continuing Operations Margin %	24.68	27.96	30.18	24.64	28.14
Net Income Margin %	24.68	27.96	30.18	24.64	28.14
Net Avail. For Common Margin %	24.68	27.96	30.18	24.64	28.14
Normalized Net Income Margin	18.24	21.24	23.25	18.55	21.58
Asset quality
Nonperforming Loans / Total Loans %	0.55	0.54	0.09	0.06	0.08
Nonperforming Loans / Total Assets %	0.27	0.22	0.05	0.03	0.04
Nonperforming Assets / Total Assets %	0.28	0.22	0.05	0.03	0.09
NPAs / Loans and OREO	0.57	0.54	0.09	0.06	0.19
NPAs / Equity	3.07	2.93	0.72	0.48	1.38
Allowance for Credit Losses / Net Charge-offs %	1.07T	434.06	481.18	2.1T	1.11T
Allowance for Credit Losses / Nonperforming Loans %	245.92	211.02	995.57	1.66T	1.34T
Allowance for Credit Losses / Total Loans %	1.34	1.13	0.91	0.95	1.01
Net Charge-offs / Total Average Loans %	0.13	0.27	0.21	0.05	0.1
Provision for Loan Losses / Net Charge-offs %	648.45	44.57	95.06	393.61	262.45
Earning Assets / IBL	154.11	163.47	168.85	146.83	141.14
Interest Income / Average Assets	2.83	2.44	3.03	4.63	5.03
Interest Expense / Average Assets	0.27	0.13	0.6	2.31	2.71
Net Interest Income / Average Assets	2.56	2.31	2.43	2.32	2.32
Non Interest Income / Average Assets	1.96	1.32	1.47	1.36	1.45
Non Interest Expense / Average Asset	2.88	2.36	2.39	2.51	2.38
Capital And Funding
Total Average Common Equity / Total Average Assets %	9.42	8.13	7.16	6.99	6.95
Total Average Equity / Total Average Assets %	9.42	8.13	7.16	6.99	6.95
Total Equity + Allowance for Loan Losses / Total Loans %	20.08	19.45	13.59	14.33	14.53
Gross Loans / Total Deposits %	59.53	48.23	64.44	64.74	59.44
Net Loans / Total Deposits %	58.73	47.69	63.85	64.13	58.84
Tier 1 Capital Ratio %	12.1	12.05	10.62	10.94	11.29
Total Capital Ratio %	14.26	13.88	12.5	12.85	13.21
Core Tier 1 Capital Ratio	12.1	12.05	10.62	10.94	11.29
Tier 2 Capital Ratio	2.16	1.83	1.88	1.91	1.91
Coverage Ratio	-	-	-	-	-
Leverage Ratio %	8.37	7.61	8.43	8.49	8.5
Interbank Ratio	73.14	38.83	48.62	15.05	25.13
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	18.79	22.9	10.47	2.97	3.88
EBT + Interest Expense / Interest Expense	5.39	10.33	3.38	1.46	1.46
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	8.99	11.53	12.05	0.69	8.78
Non Interest Income, 1 Yr. Growth %	31.26	-16.6	18.63	-2.23	15.92
Provision For Loan Losses, 1 Yr. Growth %	297.26	-84.67	89.5	8.78	48.08
Total Revenues, 1 Yr. Growth %	9.02	8.77	13.26	-0.66	10.36
Earnings From Cont. Operations, 1 Yr. Growth %	17.61	23.22	22.28	-18.92	26.06
Net Income, 1 Yr. Growth %	17.61	23.22	22.28	-18.92	26.06
Normalized Net Income, 1 Yr. Growth %	18.51	26.61	23.99	-20.75	28.38
Diluted EPS Before Extra, 1 Yr. Growth %	19.56	22.09	22.38	-18.96	25.21
Dividend Per Share, 1 Yr. Growth %	3.31	10.4	7.97	2.68	2.61
Gross Loans, 1 Yr. Growth %	19.89	6.63	22.48	10.18	10.66
Allowance For Loan Losses, 1 Yr. Growth %	112.18	-9.82	-1.51	14.54	17.91
Net Loans, 1 Yr. Growth %	19.19	6.85	22.76	10.14	10.59
Non Performing Loans, 1 Yr. Growth %	55.86	5.1	-79.12	-31.43	45.94
Non Performing Assets, 1 Yr. Growth %	56.14	-0.28	-79.05	-22.69	218.88
Total Assets, 1 Yr. Growth %	24.72	28.88	-9.79	14.28	14.54
Total Deposits, 1 Yr Growth %	25.22	31.6	-8.32	9.66	20.53
Tangible Book Value, 1 Yr. Growth %	17.95	5.56	-19.58	19.54	13.85
Average Interest Earning Assets, 1 Yr. Growth %	21.14	24.68	6.22	5.29	8.89
Average Interest Bearing Liabilities, 1 Yr. Growth %	17.44	17.54	2.84	21.08	13.28
Common Equity, 1 Yr. Growth %	15.75	4.26	-15.21	16.25	11.81
Total Equity, 1 Yr. Growth %	15.75	4.26	-15.21	16.25	11.81
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	9.45	10.25	11.79	6.22	4.66
Non Interest Income, 2 Yr. CAGR %	18.09	4.63	-0.53	7.7	6.46
Provision For Loan Losses, 2 Yr. CAGR %	35.81	-21.97	-46.11	43.57	26.92
Total Revenues, 2 Yr. CAGR %	11.05	8.9	10.99	6.07	4.71
Earnings From Cont. Operations, 2 Yr. CAGR %	20.82	20.38	22.75	-0.42	1.1
Net Income, 2 Yr. CAGR %	21.05	20.38	22.75	-0.42	1.1
Normalized Net Income, 2 Yr. CAGR %	23.11	22.49	25.29	-0.87	0.87
Diluted EPS Before Extra, 2 Yr. CAGR %	22.68	20.82	22.23	-0.42	0.73
Dividend Per Share, 2 Yr. CAGR %	3.36	6.79	9.18	5.29	2.65
Gross Loans, 2 Yr. CAGR %	14.99	13.07	14.28	16.17	10.42
Allowance For Loan Losses, 2 Yr. CAGR %	44.36	38.33	-5.75	6.22	16.21
Net Loans, 2 Yr. CAGR %	14.71	12.85	14.53	16.28	10.36
Non Performing Loans, 2 Yr. CAGR %	42.88	27.99	-53.16	-62.17	0.03
Non Performing Assets, 2 Yr. CAGR %	41.31	24.78	-54.29	-59.75	57.02
Total Assets, 2 Yr. CAGR %	19.11	26.78	7.82	1.53	14.41
Total Deposits, 2 Yr CAGR %	18.45	28.37	9.84	0.27	14.97
Tangible Book Value, 2 Yr. CAGR %	17.96	11.58	-7.86	-1.95	16.66
Average Interest Earning Assets, 2 Yr. CAGR %	17.24	22.9	15.08	5.76	7.08
Average Interest Bearing Liabilities, 2 Yr. CAGR %	16.99	17.49	9.94	11.59	17.12
Common Equity, 2 Yr. CAGR %	16.35	9.85	-5.98	-0.72	14.01
Total Equity, 2 Yr. CAGR %	16.35	9.85	-5.98	-0.72	14.01
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	9.37	10.14	10.85	7.96	7.07
Non Interest Income, 3 Yr. CAGR %	9.77	5.16	9.1	-1.1	10.37
Provision For Loan Losses, 3 Yr. CAGR %	47.1	-34.37	4.88	-31.89	45.06
Total Revenues, 3 Yr. CAGR %	7.23	10.28	10.33	6.96	7.48
Earnings From Cont. Operations, 3 Yr. CAGR %	16.12	21.62	21.01	6.9	7.72
Net Income, 3 Yr. CAGR %	5.05	21.77	21.01	6.9	7.72
Normalized Net Income, 3 Yr. CAGR %	12.76	24.27	22.99	7.55	8.05
Diluted EPS Before Extra, 3 Yr. CAGR %	17.34	22.48	21.33	6.58	7.48
Dividend Per Share, 3 Yr. CAGR %	6.32	5.66	7.18	6.97	4.39
Gross Loans, 3 Yr. CAGR %	12.6	12.13	16.12	12.9	14.3
Allowance For Loan Losses, 3 Yr. CAGR %	29	23.41	23.52	0.58	9.98
Net Loans, 3 Yr. CAGR %	12.43	12.03	16.06	13.05	14.35
Non Performing Loans, 3 Yr. CAGR %	14.09	28.98	-30.07	-46.82	-40.66
Non Performing Assets, 3 Yr. CAGR %	15.14	25.81	-31.16	-45.54	-19.77
Total Assets, 3 Yr. CAGR %	15.02	22.28	13.18	9.93	5.69
Total Deposits, 3 Yr CAGR %	14.5	22.68	14.75	9.78	6.61
Tangible Book Value, 3 Yr. CAGR %	12.59	13.67	0.04	0.49	3.06
Average Interest Earning Assets, 3 Yr. CAGR %	12.34	19.67	17.07	11.72	6.79
Average Interest Bearing Liabilities, 3 Yr. CAGR %	12.85	17.17	12.39	13.54	12.15
Common Equity, 3 Yr. CAGR %	11.41	12.17	0.77	0.91	3.29
Total Equity, 3 Yr. CAGR %	11.41	12.17	0.77	0.91	3.29
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	12.15	10.49	10.33	8.55	8.33
Non Interest Income, 5 Yr. CAGR %	8.61	3.02	5.52	6.17	8.04
Provision For Loan Losses, 5 Yr. CAGR %	53.13	-9.25	-1.56	-10.24	13.2
Total Revenues, 5 Yr. CAGR %	8.64	7.85	8.72	8.58	8.05
Earnings From Cont. Operations, 5 Yr. CAGR %	24.3	18.1	18.73	12.27	12.62
Net Income, 5 Yr. CAGR %	19.81	17.32	11.8	12.35	12.62
Normalized Net Income, 5 Yr. CAGR %	20.12	16.66	17.62	13.52	13.61
Diluted EPS Before Extra, 5 Yr. CAGR %	23.91	18.34	19.28	12.75	12.63
Dividend Per Share, 5 Yr. CAGR %	5.64	6.87	7.46	5.51	5.35
Gross Loans, 5 Yr. CAGR %	11.3	10.25	13.27	13.73	13.81
Allowance For Loan Losses, 5 Yr. CAGR %	21.63	16.27	13.78	16.22	20.55
Net Loans, 5 Yr. CAGR %	11.19	10.19	13.26	13.71	13.75
Non Performing Loans, 5 Yr. CAGR %	7.51	5.61	-20.09	-21.03	-19.3
Non Performing Assets, 5 Yr. CAGR %	7.51	5.55	-20.44	-20.25	-4.27
Total Assets, 5 Yr. CAGR %	11.65	15.6	12.08	13.51	13.67
Total Deposits, 5 Yr CAGR %	12.38	16.53	12.61	13.17	14.84
Tangible Book Value, 5 Yr. CAGR %	11.87	11.31	3.91	7.15	6.39
Average Interest Earning Assets, 5 Yr. CAGR %	10.33	12.99	13.43	13.9	12.96
Average Interest Bearing Liabilities, 5 Yr. CAGR %	12.29	12.28	11.68	14.91	14.26
Common Equity, 5 Yr. CAGR %	9.76	9.9	4.1	6.83	5.87
Total Equity, 5 Yr. CAGR %	9.76	9.9	4.1	6.83	5.87