Cash flow Wells Fargo & Company

Stocks

WFC

US9497461015

Banks

Market Closed - NYSE Other stock markets 01:34:05 16/07/2026 am IST			After hours 04:18:36 am
87.51 ^USD	+2.60%		87.47	-0.05%

15/07	Citigroup estimates revised after bank flags higher expenses, stock tanks	RE
15/07	Wall Street banks point to resilient US consumer as loan growth picks up	RE

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Published financial data: WELLS FARGO & COMPANY

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	2.95TCr	3.82TCr	5.75TCr	5.84TCr	5.47TCr
Interest Income On Investments	1.02TCr	1.58TCr	2.76TCr	3.24TCr	3.26TCr
Interest Income, Total	3.97TCr	5.4TCr	8.51TCr	9.08TCr	8.73TCr
Interest On Deposits	39Cr	234.9Cr	1.65TCr	2.43TCr	2.04TCr
Total Interest On Borrowings	352.7Cr	672.5Cr	1.62TCr	1.88TCr	1.94TCr
Interest Expense, Total	391.5Cr	907.4Cr	3.27TCr	4.31TCr	3.98TCr
Net Interest Income	3.58TCr	4.5TCr	5.24TCr	4.77TCr	4.75TCr
Service Charges On Deposits	692Cr	671.3Cr	614Cr	651.5Cr	661.3Cr
Trust Income	1.1TCr	900.4Cr	867Cr	977.5Cr	1.05TCr
Total Mortgage Banking Activities	491.5Cr	137.9Cr	83Cr	104.7Cr	115.2Cr
Income From Trading Activities	726.4Cr	146.1Cr	436.8Cr	543.4Cr	524.7Cr
Gain (Loss) on Sale of Assets	137.2Cr	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-	-	-	-	-
Total Other Non Interest Income	1.15TCr	1.03TCr	1.02TCr	1.18TCr	1.27TCr
Non Interest Income, Total	4.3TCr	2.88TCr	3.02TCr	3.46TCr	3.62TCr
Revenues Before Provison For Loan Losses	7.88TCr	7.38TCr	8.26TCr	8.23TCr	8.37TCr
Provision For Loan Losses	-415.5Cr	153.4Cr	539.9Cr	433.4Cr	365.8Cr
Total Revenues	8.29TCr	7.22TCr	7.72TCr	7.8TCr	8TCr
Salaries And Other Employee Benefits	3.45TCr	3.34TCr	3.47TCr	3.44TCr	3.48TCr
Amort. of Goodwill & Intang. Assets	-	-	-	-	-
Occupancy Expense	163.1Cr	158.2Cr	162.6Cr	181Cr	191.2Cr
Federal Deposit Insurance	-	-	-	-	-
Selling General & Admin Expenses, Total	1.19TCr	1.13TCr	1.22TCr	1.26TCr	1.36TCr
Total Other Non Interest Expense	577Cr	1.1TCr	495.3Cr	522.5Cr	484.4Cr
Non Interest Expense, Total	5.38TCr	5.73TCr	5.35TCr	5.41TCr	5.51TCr
EBT, Excl. Unusual Items	2.91TCr	1.5TCr	2.37TCr	2.39TCr	2.49TCr
Restructuring Charges	-7.6Cr	-50L	-	-	-
Asset Writedown	-23Cr	40L	-	-	-
Legal Settlements	-	-	-18Cr	-29Cr	-
Other Unusual Items	-	-	-190Cr	-24Cr	27Cr
EBT, Incl. Unusual Items	2.88TCr	1.5TCr	2.16TCr	2.34TCr	2.52TCr
Income Tax Expense	557.8Cr	208.7Cr	260.7Cr	339.9Cr	384.1Cr
Earnings From Continuing Operations	2.32TCr	1.29TCr	1.9TCr	2TCr	2.14TCr
Net Income to Company	2.32TCr	1.29TCr	1.9TCr	2TCr	2.14TCr
Minority Interest	-169Cr	30Cr	11Cr	-24Cr	-2Cr
Net Income - (IS)	2.15TCr	1.32TCr	1.91TCr	1.97TCr	2.13TCr
Preferred Dividend and Other Adjustments	129.2Cr	111.5Cr	116Cr	111.6Cr	105.3Cr
Net Income to Common Incl Extra Items	2.03TCr	1.21TCr	1.8TCr	1.86TCr	2.03TCr
Net Income to Common Excl. Extra Items	2.03TCr	1.21TCr	1.8TCr	1.86TCr	2.03TCr
Per Share Items
Net EPS - Basic	4.99	3.17	4.88	5.43	6.34
Basic EPS - Continuing Operations	4.99	3.17	4.88	5.43	6.34
Basic Weighted Average Shares Outstanding	406.19Cr	380.52Cr	368.83Cr	342.61Cr	320.18Cr
Net EPS - Diluted	4.95	3.14	4.83	5.37	6.26
Diluted EPS - Continuing Operations	4.95	3.14	4.83	5.37	6.26
Diluted Weighted Average Shares Outstanding	409.62Cr	383.7Cr	372.04Cr	346.76Cr	324.23Cr
Normalized Basic EPS	4.06	2.54	4.05	4.29	4.86
Normalized Diluted EPS	4.03	2.52	4.01	4.24	4.8
Dividend Per Share	0.6	1.1	1.3	1.5	1.7
Payout Ratio	16.83	40.15	30.98	31.6	30.39
American Depositary Receipts Ratio (ADR)	0.25	0.25	0.25	0.25	0.25
Supplemental Items
Effective Tax Rate - (Ratio)	19.36	13.94	12.05	14.55	15.24
Current Domestic Taxes	669.9Cr	84Cr	243Cr	396.5Cr	529.1Cr
Current Foreign Taxes	17Cr	17Cr	23Cr	34Cr	42Cr
Total Current Taxes	687Cr	101.2Cr	265.7Cr	431Cr	571.1Cr
Deferred Domestic Taxes	-124.6Cr	108.4Cr	-7.6Cr	-87Cr	-182.7Cr
Deferred Foreign Taxes	-4.6Cr	-90L	2.6Cr	-4.3Cr	-4.3Cr
Total Deferred Taxes	-129.2Cr	107.5Cr	-5Cr	-91Cr	-187Cr
Normalized Net Income	1.65TCr	965.62Cr	1.49TCr	1.47TCr	1.56TCr
Non-Cash Pension Expense	10L	22Cr	6.2Cr	7.2Cr	4.9Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	100.5Cr	98Cr	112.2Cr	128.1Cr	147.6Cr
Total Stock-Based Compensation	100.5Cr	98Cr	112.2Cr	128.1Cr	147.6Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	30TCr	23TCr	32TCr	31TCr	37TCr
Investment Securities, Total	19TCr	17TCr	15TCr	12TCr	14TCr
Trading Asset Securities, Total	14TCr	11TCr	7.14TCr	7.43TCr	8.24TCr
Mortgage Backed Securities	30TCr	27TCr	27TCr	32TCr	32TCr
Total investments	63TCr	55TCr	50TCr	51TCr	54TCr
Gross Loans	90TCr	96TCr	94TCr	92TCr	99TCr
Allowance For Loan Losses	-1.25TCr	-1.3TCr	-1.46TCr	-1.42TCr	-1.38TCr
Other Adjustments to Gross Loans	-161.8Cr	-178.5Cr	-239.7Cr	-258.9Cr	-225.4Cr
Net Loans	88TCr	94TCr	92TCr	90TCr	97TCr
Gross Property Plant And Equipment	3.43TCr	-	-	-	-
Accumulated Depreciation	-1.58TCr	-	-	-	-
Net Property Plant And Equipment	1.86TCr	1.8TCr	1.82TCr	1.94TCr	2TCr
Goodwill	2.52TCr	2.52TCr	2.52TCr	2.52TCr	2.5TCr
Other Intangibles, Total	21Cr	15Cr	-	-	-
Investment in FHLB	-	-	-	22Cr	76Cr
Loans Held For Sale	2.36TCr	710.4Cr	493.6Cr	626Cr	448.2Cr
Accrued Interest Receivable	361.5Cr	580.9Cr	676Cr	633.5Cr	686.2Cr
Other Receivables	2.08TCr	2.36TCr	3.05TCr	1.96TCr	1.97TCr
Restricted Cash	121.2Cr	113.6Cr	121.6Cr	122.3Cr	134.4Cr
Other Current Assets, Total	16Cr	2.69TCr	6.25TCr	8.61TCr	15TCr
Other Real Estate Owned And Foreclosed	11Cr	14Cr	19Cr	21Cr	30Cr
Other Long-Term Assets, Total	4.41TCr	5.18TCr	4.61TCr	4.93TCr	4.49TCr
Total Assets	1,94800Cr	1,88100Cr	1,93200Cr	1,93000Cr	2,14900Cr
Liabilities
Accrued Expenses, Total	6.37TCr	6.45TCr	6.65TCr	7.43TCr	5.83TCr
Interest Bearing Deposits	95TCr	92TCr	94TCr	96TCr	1,01900Cr
Institutional Deposits	552.7Cr	913.3Cr	5.75TCr	2.97TCr	4.14TCr
Non-Interest Bearing Deposits	53TCr	46TCr	36TCr	38TCr	37TCr
Total Deposits	1,48200Cr	1,38400Cr	1,35800Cr	1,37200Cr	1,42600Cr
Short-Term Borrowings	4.38TCr	7.12TCr	11TCr	13TCr	26TCr
Current Portion of Long-Term Debt	1.58TCr	1.96TCr	3.01TCr	1.82TCr	2.35TCr
Current Portion of Leases	95Cr	88Cr	88Cr	89Cr	90Cr
Long-Term Debt	14TCr	14TCr	16TCr	15TCr	15TCr
Federal Home Loan Bank Debt - Long-Term	-	1.7TCr	2.03TCr	-	-
Long-Term Leases	355.4Cr	360.4Cr	320.4Cr	355Cr	327.6Cr
Trust Preferred Securities (BS)	176Cr	157.1Cr	159.7Cr	158.6Cr	90Cr
Other Current Liabilities - (Bank / Utility Template)	-	-	-	-	3.18TCr
Deferred Tax Liability Non-Current	278.7Cr	13Cr	63Cr	-	-
Other Non Current Liabilities	-	-	-	-	570Cr
Total Liabilities	1,75800Cr	1,69900Cr	1,74500Cr	1,74900Cr	1,96600Cr
Preferred Stock Redeemable	1TCr	1TCr	1.07TCr	789.8Cr	789.8Cr
Preferred Stock Non Redeemable	420Cr	420Cr	351Cr	551Cr	551Cr
Preferred Stock Convertible	580.9Cr	520Cr	520Cr	520Cr	320Cr
Preferred Stock - Others	-65Cr	-43Cr	-	-	-
Total Preferred Equity	1.94TCr	1.9TCr	1.94TCr	1.86TCr	1.66TCr
Common Stock, Total	913.6Cr	913.6Cr	913.6Cr	913.6Cr	913.6Cr
Additional Paid In Capital	6.02TCr	6.03TCr	6.06TCr	6.08TCr	6.13TCr
Retained Earnings	18TCr	19TCr	20TCr	21TCr	23TCr
Treasury Stock	-7.98TCr	-8.29TCr	-9.3TCr	-11TCr	-13TCr
Comprehensive Income and Other	-170.2Cr	-1.34TCr	-1.16TCr	-1.22TCr	-667.3Cr
Total Common Equity	17TCr	16TCr	17TCr	16TCr	16TCr
Minority Interest	250.4Cr	198.6Cr	170.8Cr	194.6Cr	192.1Cr
Total Equity	19TCr	18TCr	19TCr	18TCr	18TCr
Total Liabilities And Equity	1,94800Cr	1,88100Cr	1,93200Cr	1,93000Cr	2,14900Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	381.46Cr	379.39Cr	357.74Cr	328.82Cr	308.56Cr
ECS Total Common Shares Outstanding	388.58Cr	383.38Cr	359.89Cr	328.89Cr	309.26Cr
Book Value / Share	43.28	41.96	46.21	48.8	53.19
Tangible Book Value	14TCr	14TCr	14TCr	14TCr	14TCr
Tangible Book Value Per Share	36.75	35.36	39.21	41.15	45.12
Tangible Book Value Per Share (As Reported)	36.35	34.89	39.23	41.24	45.02
Average Assets	1,94200Cr	1,89400Cr	1,88500Cr	1,91700Cr	1,98600Cr
Average Loans	89TCr	94TCr	95TCr	92TCr	93TCr
Total Debt	21TCr	25TCr	32TCr	30TCr	44TCr
Deposits at Interest - Cash	21TCr	12TCr	20TCr	17TCr	14TCr
Federal Funds Sold	6.62TCr	6.8TCr	8.05TCr	11TCr	19TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-4.8Cr	-6.8Cr	-13Cr	-34Cr	-45Cr
Net Debt	-23TCr	-8.44TCr	-6.82TCr	-7.92TCr	-570.3Cr
Equity Method Investments, Total	819.6Cr	966.9Cr	1.02TCr	330.7Cr	340.6Cr
Full Time Employees	2L	2L	2L	2L	2L
Number Of Offices	-	-	-	-	-
Assets under Capital Lease - Gross	-	-	-	-	-
Assets on Operating Lease - Gross	928.2Cr	-	-	-	-
Assets on Operating Lease - Accumulated Depreciation	-310Cr	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	2.15TCr	1.32TCr	1.91TCr	1.97TCr	2.13TCr
Depreciation, Depletion & Amortization	758.5Cr	652.6Cr	603.3Cr	732.7Cr	755.3Cr
Amortization of Goodwill and Intangible Assets - (CF)	26Cr	30Cr	24Cr	23Cr	16Cr
Total Depreciation, Depletion & Amortization	784.9Cr	682.8Cr	627.1Cr	755.8Cr	771.3Cr
(Gain) Loss On Sale of Asset - (CF)	-	-	-	-	-
Total Asset Writedown	4.1Cr	40L	-	-	-
Provision for Credit Losses	-415.5Cr	153.4Cr	539.9Cr	433.4Cr	365.8Cr
Stock-Based Compensation (CF)	-	-	-	-	-
Tax Benefit from Stock Options	-	-	-	-	-
Net (Increase) Decrease in Loans Originated / Sold - Operating	-5.76TCr	-949.2Cr	-357.2Cr	-616.8Cr	-451.5Cr
Change in Trading Asset Securities	1.69TCr	3.94TCr	750.4Cr	-2.43TCr	-5.3TCr
Change In Deferred Taxes	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	1.69TCr	-936.8Cr	-222.3Cr	401.4Cr	100Cr
Other Operating Activities	-1.3TCr	-1.51TCr	783.7Cr	-214Cr	476.6Cr
Cash from Operations	-1.15TCr	2.7TCr	4.04TCr	303.5Cr	-1.9TCr
Cash Acquisitions	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-1.12TCr	1.92TCr	1.41TCr	-988.7Cr	-2.19TCr
Net (Increase) Decrease in Loans Originated / Sold - Investing	40Cr	-6.18TCr	1.43TCr	2.15TCr	-7.87TCr
Other Investing Activities, Total	323.1Cr	10Cr	-1.23TCr	-2.72TCr	-8.73TCr
Cash from Investing	-761.9Cr	-4.25TCr	1.6TCr	-1.57TCr	-19TCr
Short Term Debt Issued, Total	-	1.66TCr	3.84TCr	1.87TCr	15TCr
Long-Term Debt Issued, Total	127.5Cr	5.37TCr	4.91TCr	2.9TCr	3.13TCr
Total Debt Issued	127.5Cr	7.03TCr	8.75TCr	4.77TCr	18TCr
Short Term Debt Repaid, Total	-2.46TCr	-	-	-	-
Long-Term Debt Repaid, Total	-4.71TCr	-1.96TCr	-2.29TCr	-5.56TCr	-3.45TCr
Total Debt Repaid	-7.17TCr	-1.96TCr	-2.29TCr	-5.56TCr	-3.45TCr
Issuance of Common Stock	-	-	-	-	-
Repurchase of Common Stock	-1.45TCr	-603.3Cr	-1.19TCr	-1.94TCr	-1.75TCr
Issuance of Preferred Stock	575.6Cr	-	172.2Cr	199.7Cr	-
Repurchase of Preferred Stock	-667.5Cr	-	-172.5Cr	-284Cr	-200Cr
Common Dividends Paid	-242.2Cr	-417.8Cr	-478.9Cr	-513.3Cr	-543.4Cr
Preferred Dividends Paid	-120.5Cr	-111.5Cr	-114.1Cr	-109.9Cr	-105Cr
Common & Preferred Stock Dividends Paid	-362.7Cr	-529.3Cr	-593Cr	-623.2Cr	-648.4Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	7.86TCr	-9.85TCr	-2.58TCr	1.36TCr	5.45TCr
Other Financing Activities, Total	-36Cr	-54Cr	-51Cr	-78Cr	-86Cr
Cash from Financing	-1.12TCr	-5.96TCr	2.05TCr	-2.15TCr	18TCr
Net Change in Cash	-3.04TCr	-7.51TCr	7.69TCr	-3.42TCr	-2.93TCr
Supplemental Items
Cash Interest Paid	438.4Cr	828.9Cr	3.04TCr	4.36TCr	3.98TCr
Cash Income Tax Paid (Refund)	316.6Cr	337.6Cr	-178.6Cr	166.4Cr	141.9Cr
Net Debt Issued / Repaid	-7.04TCr	5.07TCr	6.46TCr	-785.8Cr	15TCr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.19	0.67	1	1.03	1.05
Return On Equity %	12.37	6.93	10.3	10.84	11.73
Return on Common Equity	12.18	7.33	10.98	11.39	12.48
Shareholders Value Added	190.27Cr	-625.68Cr	-27Cr	35Cr	199.67Cr
Margin Analysis
SG&A Margin	57.94	64.07	62.86	62.65	62.8
Net Interest Income / Total Revenues %	43.13	62.22	67.84	61.15	59.32
EBT Excl. Non-Recurring Items Margin %	35.11	20.72	30.72	30.65	31.14
Income From Continuing Operations Margin %	28.02	17.83	24.65	25.61	26.68
Net Income Margin %	25.98	18.25	24.8	25.3	26.66
Net Avail. For Common Margin %	24.42	16.7	23.29	23.87	25.34
Normalized Net Income Margin	19.9	13.37	19.35	18.85	19.44
Asset quality
Nonperforming Loans / Total Loans %	0.8	0.59	0.88	0.84	0.83
Nonperforming Loans / Total Assets %	0.37	0.3	0.43	0.4	0.38
Nonperforming Assets / Total Assets %	0.38	0.31	0.44	0.41	0.4
NPAs / Loans and OREO	0.82	0.6	0.9	0.87	0.86
NPAs / Equity	3.85	3.17	4.5	4.38	4.65
Allowance for Credit Losses / Net Charge-offs %	793.52	807.52	420.92	297.21	345.44
Allowance for Credit Losses / Nonperforming Loans %	173.18	230.8	176.91	183.48	168.24
Allowance for Credit Losses / Total Loans %	1.39	1.36	1.56	1.55	1.4
Net Charge-offs / Total Average Loans %	0.18	0.17	0.37	0.52	0.43
Provision for Loan Losses / Net Charge-offs %	-263.98	95.4	155.59	90.82	91.59
Earning Assets / IBL	147.75	149.97	139.19	133.26	130.76
Interest Income / Average Assets	2.04	2.85	4.51	4.74	4.4
Interest Expense / Average Assets	0.2	0.48	1.74	2.25	2.01
Net Interest Income / Average Assets	1.84	2.37	2.78	2.49	2.39
Non Interest Income / Average Assets	2.22	1.52	1.6	1.81	1.82
Non Interest Expense / Average Asset	2.77	3.02	2.84	2.82	2.77
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.53	8.59	8.59	8.46	7.97
Total Average Equity / Total Average Assets %	9.63	9.71	9.69	9.54	8.93
Total Equity + Allowance for Loan Losses / Total Loans %	22.31	20.14	21.33	21.12	19.72
Gross Loans / Total Deposits %	60.51	69.2	69.14	66.72	69.3
Net Loans / Total Deposits %	59.56	68.13	67.89	65.5	68.18
Tier 1 Capital Ratio %	12.89	12.11	12.98	12.57	11.86
Total Capital Ratio %	15.84	14.82	15.67	15.18	14.27
Core Tier 1 Capital Ratio	11.35	10.6	11.43	11.07	10.61
Tier 2 Capital Ratio	2.96	2.71	2.7	2.61	2.4
Equity Tier 1 Capital Ratio	11.4	10.62	11.46	11.15	10.75
Coverage Ratio	-	-	-	-	-
Leverage Ratio %	8.34	8.26	8.5	8.08	7.48
Interbank Ratio	1.28T	628.93	366.46	285.2	141.37
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	9.17	3.23	2.33	2.24	2.3
EBT + Interest Expense / Interest Expense	8.36	2.65	1.66	1.54	1.63
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-10.45	25.63	16.52	-8.97	-0.4
Non Interest Income, 1 Yr. Growth %	24.98	-32.44	2.73	14.55	4.61
Provision For Loan Losses, 1 Yr. Growth %	-129.41	-136.92	251.96	-19.73	-15.6
Total Revenues, 1 Yr. Growth %	37.69	-12.54	5.99	0.99	2.67
Earnings From Cont. Operations, 1 Yr. Growth %	534.57	-44.56	42.24	4.92	6.98
Net Income, 1 Yr. Growth %	538.08	-38.82	39.96	3.03	8.19
Normalized Net Income, 1 Yr. Growth %	636.82	-40.91	23.04	-1.62	7.23
Diluted EPS Before Extra, 1 Yr. Growth %	1.05T	-36.57	47.71	11.18	16.57
Dividend Per Share, 1 Yr. Growth %	-50.82	83.33	18.18	15.38	13.33
Gross Loans, 1 Yr. Growth %	0.84	6.76	-1.94	-2.53	7.98
Allowance For Loan Losses, 1 Yr. Growth %	-32.54	3.96	12.48	-2.9	-2.72
Net Loans, 1 Yr. Growth %	1.59	6.79	-2.21	-2.55	8.21
Non Performing Loans, 1 Yr. Growth %	-17.37	-21.99	46.75	-6.37	6.09
Non Performing Assets, 1 Yr. Growth %	-17.59	-21.31	46.5	-6	7.14
Total Assets, 1 Yr. Growth %	-0.25	-3.44	2.74	-0.14	11.34
Total Deposits, 1 Yr Growth %	5.56	-6.64	-1.87	1	3.97
Tangible Book Value, 1 Yr. Growth %	3.71	-5.08	3.73	-4.09	3.1
Average Interest Earning Assets, 1 Yr. Growth %	-0.54	-2.14	0.13	1.67	3.18
Average Interest Bearing Liabilities, 1 Yr. Growth %	-7.27	-3.59	7.9	6.2	5.15
Common Equity, 1 Yr. Growth %	2.3	-4.36	3.15	-3.47	2.49
Total Equity, 1 Yr. Growth %	2.37	-4.33	2.87	-3.4	1.09
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-13.03	6.07	20.99	2.99	-4.78
Non Interest Income, 2 Yr. CAGR %	4.21	-8.38	-16.54	8.48	9.47
Provision For Loan Losses, 2 Yr. CAGR %	24.35	-67.05	13.99	68.09	-17.69
Total Revenues, 2 Yr. CAGR %	-0.76	9.58	-3.74	3.46	1.82
Earnings From Cont. Operations, 2 Yr. CAGR %	7.24	87.56	-10.58	22.16	5.94
Net Income, 2 Yr. CAGR %	4.55	97.57	-6.95	20.08	5.58
Normalized Net Income, 2 Yr. CAGR %	2.42	107.6	-6.4	10.04	2.46
Diluted EPS Before Extra, 2 Yr. CAGR %	10.01	170.23	-2.49	28.15	13.84
Dividend Per Share, 2 Yr. CAGR %	-44.1	-5.05	47.2	16.77	14.35
Gross Loans, 2 Yr. CAGR %	-3.57	3.76	2.32	-2.23	2.59
Allowance For Loan Losses, 2 Yr. CAGR %	14.36	-16.26	8.14	4.51	-2.81
Net Loans, 2 Yr. CAGR %	-3.73	4.16	2.19	-2.38	2.69
Non Performing Loans, 2 Yr. CAGR %	16.15	-19.71	6.99	17.22	-0.33
Non Performing Assets, 2 Yr. CAGR %	13.86	-19.47	7.37	17.35	0.35
Total Assets, 2 Yr. CAGR %	0.53	-1.86	-0.4	1.29	5.44
Total Deposits, 2 Yr CAGR %	5.87	-0.73	-4.28	-0.44	2.47
Tangible Book Value, 2 Yr. CAGR %	1.02	-0.79	-0.59	-0.25	-0.56
Average Interest Earning Assets, 2 Yr. CAGR %	0.23	-1.34	-1.01	0.9	2.42
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-4.78	-5.45	1.99	7.04	5.67
Common Equity, 2 Yr. CAGR %	0.44	-1.09	-0.57	-0.22	-0.54
Total Equity, 2 Yr. CAGR %	0.56	-1.04	-0.7	-0.32	-1.18
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-10.55	-1.69	9.44	10.04	1.84
Non Interest Income, 3 Yr. CAGR %	5.68	-10.05	-4.17	-7.25	7.17
Provision For Loan Losses, 3 Yr. CAGR %	33.56	-17.04	-27.43	1.42	33.6
Total Revenues, 3 Yr. CAGR %	-0.69	-4.99	8.66	-2.19	3.2
Earnings From Cont. Operations, 3 Yr. CAGR %	0.52	-13.93	73.21	-5.69	16.88
Net Income, 3 Yr. CAGR %	-1.27	-12.56	78.3	-3.74	15.98
Normalized Net Income, 3 Yr. CAGR %	-1.65	-15.03	88.2	-4.83	8.64
Diluted EPS Before Extra, 3 Yr. CAGR %	4.97	-8.43	123.95	1.87	24.17
Dividend Per Share, 3 Yr. CAGR %	-28.48	-16.95	2.14	35.72	15.62
Gross Loans, 3 Yr. CAGR %	-2	-0.25	1.82	0.68	1.06
Allowance For Loan Losses, 3 Yr. CAGR %	8.51	10.78	-7.6	4.33	2.04
Net Loans, 3 Yr. CAGR %	-2.18	-0.35	1.99	0.59	1.03
Non Performing Loans, 3 Yr. CAGR %	3.55	1.72	-1.84	2.34	13.38
Non Performing Assets, 3 Yr. CAGR %	1.78	0.67	-1.69	2.71	13.84
Total Assets, 3 Yr. CAGR %	0.91	-0.81	-0.35	-0.31	4.53
Total Deposits, 3 Yr CAGR %	4.85	1.52	-1.11	-2.55	1.01
Tangible Book Value, 3 Yr. CAGR %	-1.07	-1.06	0.82	-1.77	0.85
Average Interest Earning Assets, 3 Yr. CAGR %	0.46	-0.56	-0.85	-0.12	1.65
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-2.16	-4.38	-1.2	3.38	6.41
Common Equity, 3 Yr. CAGR %	-1.21	-1.19	0.38	-1.55	0.68
Total Equity, 3 Yr. CAGR %	-1.19	-1.1	0.31	-1.61	0.15
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-5.61	-1.93	0.93	0.16	3.51
Non Interest Income, 5 Yr. CAGR %	1.18	-5.84	-3.68	-2.66	1.07
Provision For Loan Losses, 5 Yr. CAGR %	1.96	-9.51	25.36	10.03	-23.68
Total Revenues, 5 Yr. CAGR %	-0.38	-3.42	-1.84	-1.53	5.87
Earnings From Cont. Operations, 5 Yr. CAGR %	1.06	-10.52	-3.62	-0.24	42.29
Net Income, 5 Yr. CAGR %	-0.36	-9.89	-3.09	0.01	44.59
Normalized Net Income, 5 Yr. CAGR %	-3.73	-10.52	-2.96	-1.37	47.34
Diluted EPS Before Extra, 5 Yr. CAGR %	4.41	-5.2	2.45	5.6	70.85
Dividend Per Share, 5 Yr. CAGR %	-16.91	-6.51	-4.54	-4.82	6.86
Gross Loans, 5 Yr. CAGR %	-1.59	-0.06	-0.3	-1.05	2.13
Allowance For Loan Losses, 5 Yr. CAGR %	1.81	3.37	8.36	8.23	-5.71
Net Loans, 5 Yr. CAGR %	-1.58	-0.06	-0.45	-1.16	2.27
Non Performing Loans, 5 Yr. CAGR %	-7.03	-5.95	4.91	7.65	-1.24
Non Performing Assets, 5 Yr. CAGR %	-8.41	-7.01	3.98	7.04	-0.88
Total Assets, 5 Yr. CAGR %	0.19	-0.74	0.38	0.02	1.93
Total Deposits, 5 Yr CAGR %	2.57	0.71	1.1	0.73	0.31
Tangible Book Value, 5 Yr. CAGR %	-0.6	-2.65	-0.88	-0.66	0.27
Average Interest Earning Assets, 5 Yr. CAGR %	0.56	-0.59	-0.13	0.02	0.45
Average Interest Bearing Liabilities, 5 Yr. CAGR %	-1.12	-2.51	-0.52	0.03	1.5
Common Equity, 5 Yr. CAGR %	-0.97	-2.57	-0.95	-0.76	0.01
Total Equity, 5 Yr. CAGR %	-1.06	-2.66	-1	-0.75	-0.29