Financial Ratios Wells Fargo & Company

Equities

WFC

US9497461015

Banks

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09:50pm	Western Alliance Bancorporation Appoints Stephen Mcmaster as Chief Information Security Officer	CI
21/01	Sector Update: Financial Stocks Lower in Late Afternoon Trading	MT

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Published financial data: WELLS FARGO & COMPANY

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	3.51TCr	2.95TCr	3.82TCr	5.75TCr	5.84TCr
Interest Income On Investments	1.27TCr	1.02TCr	1.58TCr	2.76TCr	3.24TCr
Interest Income, Total	4.78TCr	3.97TCr	5.4TCr	8.51TCr	9.08TCr
Interest On Deposits	280.4Cr	39Cr	234.9Cr	1.65TCr	2.43TCr
Total Interest On Borrowings	515.9Cr	352.7Cr	672.5Cr	1.62TCr	1.88TCr
Interest Expense, Total	796.3Cr	391.5Cr	907.4Cr	3.27TCr	4.31TCr
Net Interest Income	3.98TCr	3.58TCr	4.5TCr	5.24TCr	4.77TCr
Service Charges On Deposits	660.2Cr	692Cr	671.3Cr	614Cr	651.5Cr
Trust Income	287.2Cr	1.1TCr	900.4Cr	867Cr	977.5Cr
Total Mortgage Banking Activities	353Cr	491.5Cr	137.9Cr	83Cr	104.7Cr
Income From Trading Activities	271Cr	726.4Cr	146.1Cr	436.8Cr	543.4Cr
Gain (Loss) on Sale of Assets	7.1Cr	137.2Cr	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-140Cr	-	-	-	-
Total Other Non Interest Income	1.82TCr	1.15TCr	1.03TCr	1.02TCr	1.18TCr
Non Interest Income, Total	3.26TCr	4.3TCr	2.88TCr	3.02TCr	3.46TCr
Revenues Before Provison For Loan Losses	7.24TCr	7.88TCr	7.38TCr	8.26TCr	8.23TCr
Provision For Loan Losses	1.41TCr	-415.5Cr	153.4Cr	539.9Cr	433.4Cr
Total Revenues	5.83TCr	8.29TCr	7.22TCr	7.72TCr	7.8TCr
Salaries And Other Employee Benefits	3.3TCr	3.45TCr	3.34TCr	3.47TCr	3.44TCr
Amort. of Goodwill & Intang. Assets	-	-	-	-	-
Occupancy Expense	181.5Cr	163.1Cr	158.2Cr	162.6Cr	181Cr
Federal Deposit Insurance	-	-	-	-	-
Selling General & Admin Expenses, Total	1.36TCr	1.19TCr	1.13TCr	1.22TCr	1.26TCr
Total Other Non Interest Expense	772.3Cr	577Cr	1.1TCr	495.3Cr	522.5Cr
Non Interest Expense, Total	5.62TCr	5.38TCr	5.73TCr	5.35TCr	5.41TCr
EBT, Excl. Unusual Items	211.7Cr	2.91TCr	1.5TCr	2.37TCr	2.39TCr
Restructuring Charges	-149.9Cr	-7.6Cr	-50L	-	-
Asset Writedown	-3.7Cr	-23Cr	40L	-	-
Legal Settlements	-	-	-	-18Cr	-29Cr
Other Unusual Items	-	-	-	-190Cr	-24Cr
EBT, Incl. Unusual Items	58Cr	2.88TCr	1.5TCr	2.16TCr	2.34TCr
Income Tax Expense	-300.5Cr	557.8Cr	208.7Cr	260.7Cr	339.9Cr
Earnings From Continuing Operations	358.6Cr	2.32TCr	1.29TCr	1.9TCr	2TCr
Net Income to Company	358.6Cr	2.32TCr	1.29TCr	1.9TCr	2TCr
Minority Interest	-28Cr	-169Cr	30Cr	11Cr	-24Cr
Net Income - (IS)	330.1Cr	2.15TCr	1.32TCr	1.91TCr	1.97TCr
Preferred Dividend and Other Adjustments	159.1Cr	129.2Cr	111.5Cr	116Cr	111.6Cr
Net Income to Common Incl Extra Items	171Cr	2.03TCr	1.21TCr	1.8TCr	1.86TCr
Net Income to Common Excl. Extra Items	171Cr	2.03TCr	1.21TCr	1.8TCr	1.86TCr
Per Share Items
Net EPS - Basic	0.42	4.99	3.17	4.88	5.43
Basic EPS - Continuing Operations	0.42	4.99	3.17	4.88	5.43
Basic Weighted Average Shares Outstanding	411.8Cr	406.19Cr	380.52Cr	368.83Cr	342.61Cr
Net EPS - Diluted	0.41	4.95	3.14	4.83	5.37
Diluted EPS - Continuing Operations	0.41	4.95	3.14	4.83	5.37
Diluted Weighted Average Shares Outstanding	413.42Cr	409.62Cr	383.7Cr	372.04Cr	346.76Cr
Normalized Basic EPS	0.25	4.06	2.54	4.05	4.29
Normalized Diluted EPS	0.25	4.03	2.52	4.01	4.24
Dividend Per Share	1.22	0.6	1.1	1.3	1.5
Payout Ratio	186.06	16.83	40.15	30.98	31.6
American Depositary Receipts Ratio (ADR)	0.25	0.25	0.25	0.25	0.25
Supplemental Items
Effective Tax Rate - (Ratio)	-517.21	19.36	13.94	12.05	14.55
Current Domestic Taxes	9.8Cr	669.9Cr	84Cr	243Cr	396.5Cr
Current Foreign Taxes	21Cr	17Cr	17Cr	23Cr	34Cr
Total Current Taxes	31Cr	687Cr	101.2Cr	265.7Cr	431Cr
Deferred Domestic Taxes	-325.4Cr	-124.6Cr	108.4Cr	-7.6Cr	-87Cr
Deferred Foreign Taxes	-6Cr	-4.6Cr	-90L	2.6Cr	-4.3Cr
Total Deferred Taxes	-331.4Cr	-129.2Cr	107.5Cr	-5Cr	-91Cr
Normalized Net Income	103.81Cr	1.65TCr	965.62Cr	1.49TCr	1.47TCr
Non-Cash Pension Expense	3.3Cr	10L	22Cr	6.2Cr	7.2Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	176.6Cr	100.5Cr	98Cr	112.2Cr	128.1Cr
Total Stock-Based Compensation	176.6Cr	100.5Cr	98Cr	112.2Cr	128.1Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	33TCr	30TCr	23TCr	32TCr	31TCr
Investment Securities, Total	20TCr	19TCr	17TCr	15TCr	12TCr
Trading Asset Securities, Total	12TCr	14TCr	11TCr	7.14TCr	7.43TCr
Mortgage Backed Securities	26TCr	30TCr	27TCr	27TCr	32TCr
Total investments	59TCr	63TCr	55TCr	50TCr	51TCr
Gross Loans	89TCr	90TCr	96TCr	94TCr	92TCr
Allowance For Loan Losses	-1.85TCr	-1.25TCr	-1.3TCr	-1.46TCr	-1.42TCr
Other Adjustments to Gross Loans	-193.3Cr	-161.8Cr	-178.5Cr	-239.7Cr	-258.9Cr
Net Loans	87TCr	88TCr	94TCr	92TCr	90TCr
Gross Property Plant And Equipment	3.62TCr	3.43TCr	-	-	-
Accumulated Depreciation	-1.56TCr	-1.58TCr	-	-	-
Net Property Plant And Equipment	2.06TCr	1.86TCr	1.8TCr	1.82TCr	1.94TCr
Goodwill	2.64TCr	2.52TCr	2.52TCr	2.52TCr	2.52TCr
Other Intangibles, Total	33Cr	21Cr	15Cr	-	-
Investment in FHLB	-	-	-	-	22Cr
Loans Held For Sale	3.64TCr	2.36TCr	710.4Cr	493.6Cr	626Cr
Accrued Interest Receivable	462.1Cr	361.5Cr	580.9Cr	676Cr	633.5Cr
Other Receivables	3.81TCr	2.08TCr	2.36TCr	3.05TCr	1.96TCr
Restricted Cash	-	121.2Cr	113.6Cr	121.6Cr	122.3Cr
Other Current Assets, Total	27Cr	16Cr	2.69TCr	6.25TCr	8.61TCr
Other Real Estate Owned And Foreclosed	16Cr	11Cr	14Cr	19Cr	21Cr
Other Long-Term Assets, Total	4.34TCr	4.41TCr	5.18TCr	4.61TCr	4.93TCr
Total Assets	1,95500Cr	1,94800Cr	1,88100Cr	1,93200Cr	1,93000Cr
Liabilities
Accrued Expenses, Total	6.67TCr	6.37TCr	6.45TCr	6.65TCr	7.43TCr
Interest Bearing Deposits	92TCr	95TCr	92TCr	94TCr	96TCr
Institutional Deposits	1.4TCr	552.7Cr	913.3Cr	5.75TCr	2.97TCr
Non-Interest Bearing Deposits	47TCr	53TCr	46TCr	36TCr	38TCr
Total Deposits	1,40400Cr	1,48200Cr	1,38400Cr	1,35800Cr	1,37200Cr
Short-Term Borrowings	7.55TCr	4.38TCr	7.12TCr	11TCr	13TCr
Current Portion of Long-Term Debt	2.44TCr	1.58TCr	1.96TCr	3.01TCr	1.82TCr
Current Portion of Leases	99Cr	95Cr	88Cr	88Cr	89Cr
Long-Term Debt	19TCr	14TCr	14TCr	16TCr	15TCr
Federal Home Loan Bank Debt - Long-Term	3.1Cr	-	1.7TCr	2.03TCr	-
Long-Term Leases	399.6Cr	355.4Cr	360.4Cr	320.4Cr	355Cr
Trust Preferred Securities (BS)	208.7Cr	176Cr	157.1Cr	159.7Cr	158.6Cr
Deferred Tax Liability Non-Current	475.8Cr	278.7Cr	13Cr	63Cr	-
Other Non Current Liabilities	-	-	-	-	-
Total Liabilities	1,76900Cr	1,75800Cr	1,69900Cr	1,74500Cr	1,74900Cr
Preferred Stock Redeemable	1.44TCr	1TCr	1TCr	1.07TCr	789.8Cr
Preferred Stock Non Redeemable	69Cr	420Cr	420Cr	351Cr	551Cr
Preferred Stock Convertible	596.9Cr	580.9Cr	520Cr	520Cr	520Cr
Preferred Stock - Others	-82Cr	-65Cr	-43Cr	-	-
Total Preferred Equity	2.03TCr	1.94TCr	1.9TCr	1.94TCr	1.86TCr
Common Stock, Total	913.6Cr	913.6Cr	913.6Cr	913.6Cr	913.6Cr
Additional Paid In Capital	6.02TCr	6.02TCr	6.03TCr	6.06TCr	6.08TCr
Retained Earnings	16TCr	18TCr	19TCr	20TCr	21TCr
Treasury Stock	-6.78TCr	-7.98TCr	-8.29TCr	-9.3TCr	-11TCr
Comprehensive Income and Other	19Cr	-170.2Cr	-1.34TCr	-1.16TCr	-1.22TCr
Total Common Equity	16TCr	17TCr	16TCr	17TCr	16TCr
Minority Interest	103.3Cr	250.4Cr	198.6Cr	170.8Cr	194.6Cr
Total Equity	19TCr	19TCr	18TCr	19TCr	18TCr
Total Liabilities And Equity	1,95500Cr	1,94800Cr	1,88100Cr	1,93200Cr	1,93000Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	413.41Cr	381.46Cr	379.39Cr	357.74Cr	328.82Cr
ECS Total Common Shares Outstanding	414.4Cr	388.58Cr	383.38Cr	359.89Cr	328.89Cr
Book Value / Share	39.73	43.28	41.96	46.21	48.8
Tangible Book Value	14TCr	14TCr	14TCr	14TCr	14TCr
Tangible Book Value Per Share	33.28	36.75	35.36	39.21	41.15
Tangible Book Value Per Share (As Reported)	33.04	36.35	34.89	39.23	41.24
Average Assets	1,94400Cr	1,94200Cr	1,89400Cr	1,88500Cr	1,91700Cr
Average Loans	97TCr	89TCr	94TCr	95TCr	92TCr
Total Debt	29TCr	21TCr	25TCr	32TCr	30TCr
Deposits at Interest - Cash	24TCr	21TCr	12TCr	20TCr	17TCr
Federal Funds Sold	6.57TCr	6.62TCr	6.8TCr	8.05TCr	11TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	45Cr	-4.8Cr	-6.8Cr	-13Cr	-34Cr
Net Debt	-16TCr	-23TCr	-8.44TCr	-6.82TCr	-7.92TCr
Equity Method Investments, Total	2.05TCr	819.6Cr	966.9Cr	1.02TCr	330.7Cr
Full Time Employees	3L	2L	2L	2L	2L
Number Of Offices	-	-	-	-	-
Assets under Capital Lease - Gross	-	-	-	-	-
Assets on Operating Lease - Gross	1.05TCr	928.2Cr	-	-	-
Assets on Operating Lease - Accumulated Depreciation	-310Cr	-310Cr	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	330.1Cr	2.15TCr	1.32TCr	1.91TCr	1.97TCr
Depreciation, Depletion & Amortization	833.3Cr	758.5Cr	652.6Cr	603.3Cr	732.7Cr
Amortization of Goodwill and Intangible Assets - (CF)	37Cr	26Cr	30Cr	24Cr	23Cr
Total Depreciation, Depletion & Amortization	869.9Cr	784.9Cr	682.8Cr	627.1Cr	755.8Cr
(Gain) Loss On Sale of Asset - (CF)	525.8Cr	-	-	-	-
Total Asset Writedown	3.7Cr	4.1Cr	40L	-	-
Provision for Credit Losses	1.41TCr	-415.5Cr	153.4Cr	539.9Cr	433.4Cr
Stock-Based Compensation (CF)	176.6Cr	-	-	-	-
Tax Benefit from Stock Options	-	-	-	-	-
Net (Increase) Decrease in Loans Originated / Sold - Operating	-5.94TCr	-5.76TCr	-949.2Cr	-357.2Cr	-616.8Cr
Change in Trading Asset Securities	3.77TCr	1.69TCr	3.94TCr	750.4Cr	-2.43TCr
Changes in Accrued Interest Receivable	-	-	-	-	-
Changes in Accrued Interest Payable	-	-	-	-	-
Change In Deferred Taxes	-331.4Cr	-	-	-	-
Change in Other Net Operating Assets (Collected)	-1.08TCr	1.69TCr	-936.8Cr	-222.3Cr	401.4Cr
Other Operating Activities	460.6Cr	-1.3TCr	-1.51TCr	783.7Cr	-214Cr
Cash from Operations	205.1Cr	-1.15TCr	2.7TCr	4.04TCr	303.5Cr
Cash Acquisitions	-	-	-	-	-
Purchase / Sale of Intangible Assets	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	2.87TCr	-1.12TCr	1.92TCr	1.41TCr	-988.7Cr
Net (Increase) Decrease in Loans Originated / Sold - Investing	5.66TCr	40Cr	-6.18TCr	1.43TCr	2.15TCr
Other Investing Activities, Total	3.73TCr	323.1Cr	10Cr	-1.23TCr	-2.72TCr
Cash from Investing	12TCr	-761.9Cr	-4.25TCr	1.6TCr	-1.57TCr
Short Term Debt Issued, Total	-	-	1.66TCr	3.84TCr	1.87TCr
Long-Term Debt Issued, Total	3.81TCr	127.5Cr	5.37TCr	4.91TCr	2.9TCr
Total Debt Issued	3.81TCr	127.5Cr	7.03TCr	8.75TCr	4.77TCr
Short Term Debt Repaid, Total	-4.55TCr	-2.46TCr	-	-	-
Long-Term Debt Repaid, Total	-6.53TCr	-4.71TCr	-1.96TCr	-2.29TCr	-5.56TCr
Total Debt Repaid	-11TCr	-7.17TCr	-1.96TCr	-2.29TCr	-5.56TCr
Issuance of Common Stock	57Cr	-	-	-	-
Repurchase of Common Stock	-375.5Cr	-1.45TCr	-603.3Cr	-1.19TCr	-1.94TCr
Issuance of Preferred Stock	311.6Cr	575.6Cr	-	172.2Cr	199.7Cr
Repurchase of Preferred Stock	-360.2Cr	-667.5Cr	-	-172.5Cr	-284Cr
Common Dividends Paid	-485.2Cr	-242.2Cr	-417.8Cr	-478.9Cr	-513.3Cr
Preferred Dividends Paid	-129Cr	-120.5Cr	-111.5Cr	-114.1Cr	-109.9Cr
Common & Preferred Stock Dividends Paid	-614.2Cr	-362.7Cr	-529.3Cr	-593Cr	-623.2Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	8.18TCr	7.86TCr	-9.85TCr	-2.58TCr	1.36TCr
Other Financing Activities, Total	-46Cr	-36Cr	-54Cr	-51Cr	-78Cr
Cash from Financing	-124.3Cr	-1.12TCr	-5.96TCr	2.05TCr	-2.15TCr
Net Change in Cash	12TCr	-3.04TCr	-7.51TCr	7.69TCr	-3.42TCr
Supplemental Items
Cash Interest Paid	841.4Cr	438.4Cr	828.9Cr	3.04TCr	4.36TCr
Cash Income Tax Paid (Refund)	117.5Cr	316.6Cr	337.6Cr	-178.6Cr	166.4Cr
Net Debt Issued / Repaid	-7.27TCr	-7.04TCr	5.07TCr	6.46TCr	-785.8Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.18	1.19	0.67	1	1.03
Return On Equity %	1.92	12.37	6.93	10.3	10.84
Return on Common Equity	1.03	12.18	7.33	10.98	11.39
Shareholders Value Added	-1.53TCr	190.27Cr	-625.68Cr	-27Cr	35Cr
Margin Analysis
SG&A Margin	83.13	57.94	64.07	62.86	62.65
Net Interest Income / Total Revenues %	68.31	43.13	62.22	67.84	61.15
EBT Excl. Non-Recurring Items Margin %	3.63	35.11	20.72	30.72	30.65
Income From Continuing Operations Margin %	6.15	28.02	17.83	24.65	25.61
Net Income Margin %	5.66	25.98	18.25	24.8	25.3
Net Avail. For Common Margin %	2.93	24.42	16.7	23.29	23.87
Normalized Net Income Margin	1.78	19.9	13.37	19.35	18.85
Asset quality
Nonperforming Loans / Total Loans %	0.98	0.8	0.59	0.88	0.84
Nonperforming Loans / Total Assets %	0.45	0.37	0.3	0.43	0.4
Nonperforming Assets / Total Assets %	0.45	0.38	0.31	0.44	0.41
NPAs / Loans and OREO	1	0.82	0.6	0.9	0.87
NPAs / Equity	4.78	3.85	3.17	4.5	4.38
Allowance for Credit Losses / Net Charge-offs %	562.97	793.52	807.52	420.92	297.21
Allowance for Credit Losses / Nonperforming Loans %	212.14	173.18	230.8	176.91	183.48
Allowance for Credit Losses / Total Loans %	2.08	1.39	1.36	1.56	1.55
Net Charge-offs / Total Average Loans %	0.34	0.18	0.17	0.37	0.52
Provision for Loan Losses / Net Charge-offs %	429.58	-263.98	95.4	155.59	90.82
Earning Assets / IBL	137.75	147.75	149.97	139.19	133.26
Interest Income / Average Assets	2.46	2.04	2.85	4.51	4.74
Interest Expense / Average Assets	0.41	0.2	0.48	1.74	2.25
Net Interest Income / Average Assets	2.05	1.84	2.37	2.78	2.49
Non Interest Income / Average Assets	1.68	2.22	1.52	1.6	1.81
Non Interest Expense / Average Asset	2.89	2.77	3.02	2.84	2.82
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.53	8.53	8.59	8.59	8.46
Total Average Equity / Total Average Assets %	9.63	9.63	9.71	9.69	9.54
Total Equity + Allowance for Loan Losses / Total Loans %	22.87	22.31	20.14	21.33	21.12
Gross Loans / Total Deposits %	63.34	60.51	69.2	69.14	66.72
Net Loans / Total Deposits %	61.89	59.56	68.13	67.89	65.5
Tier 1 Capital Ratio %	13.25	12.89	12.11	12.98	12.57
Total Capital Ratio %	16.47	15.84	14.82	15.67	15.18
Core Tier 1 Capital Ratio	11.59	11.35	10.6	11.43	11.07
Tier 2 Capital Ratio	3.22	2.96	2.71	2.7	2.61
Equity Tier 1 Capital Ratio	11.47	11.4	10.62	11.46	11.15
Coverage Ratio	-	-	-	-	-
Leverage Ratio %	8.32	8.34	8.26	8.5	8.08
Interbank Ratio	646.27	1.28T	628.93	366.46	285.2
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	1.11	9.17	3.23	2.33	2.24
EBT + Interest Expense / Interest Expense	1.07	8.36	2.65	1.66	1.54
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-15.66	-10.45	25.63	16.52	-8.97
Non Interest Income, 1 Yr. Growth %	-13.98	24.98	-32.44	2.73	14.55
Provision For Loan Losses, 1 Yr. Growth %	425.83	-129.41	-136.92	251.96	-19.73
Total Revenues, 1 Yr. Growth %	-29.27	37.69	-12.54	5.99	0.99
Earnings From Cont. Operations, 1 Yr. Growth %	-82.11	534.57	-44.56	42.24	4.92
Net Income, 1 Yr. Growth %	-83.11	538.08	-38.82	39.96	3.03
Normalized Net Income, 1 Yr. Growth %	-92.9	636.82	-40.91	23.04	-1.62
Diluted EPS Before Extra, 1 Yr. Growth %	-89.88	1.05T	-36.57	47.71	11.18
Dividend Per Share, 1 Yr. Growth %	-36.46	-50.82	83.33	18.18	15.38
Gross Loans, 1 Yr. Growth %	-7.79	0.84	6.76	-1.94	-2.53
Allowance For Loan Losses, 1 Yr. Growth %	93.86	-32.54	3.96	12.48	-2.9
Net Loans, 1 Yr. Growth %	-8.77	1.59	6.79	-2.21	-2.55
Non Performing Loans, 1 Yr. Growth %	63.26	-17.37	-21.99	46.75	-6.37
Non Performing Assets, 1 Yr. Growth %	57.32	-17.59	-21.31	46.5	-6
Total Assets, 1 Yr. Growth %	1.43	-0.25	-3.44	2.74	-0.14
Total Deposits, 1 Yr Growth %	6.18	5.56	-6.64	-1.87	1
Tangible Book Value, 1 Yr. Growth %	-1.44	3.71	-5.08	3.73	-4.09
Average Interest Earning Assets, 1 Yr. Growth %	1.01	-0.54	-2.14	0.13	1.67
Average Interest Bearing Liabilities, 1 Yr. Growth %	-2.22	-7.27	-3.59	7.9	6.2
Common Equity, 1 Yr. Growth %	-1.27	2.3	-4.36	3.15	-3.47
Total Equity, 1 Yr. Growth %	-1.1	2.37	-4.33	2.87	-3.4
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-10.74	-13.03	6.07	20.99	2.99
Non Interest Income, 2 Yr. CAGR %	-5.4	4.21	-8.38	-16.54	8.48
Provision For Loan Losses, 2 Yr. CAGR %	184.63	24.35	-67.05	13.99	68.09
Total Revenues, 2 Yr. CAGR %	-17.02	-0.76	9.58	-3.74	3.46
Earnings From Cont. Operations, 2 Yr. CAGR %	-60.41	7.24	87.56	-10.58	22.16
Net Income, 2 Yr. CAGR %	-61.61	4.55	97.57	-6.95	20.08
Normalized Net Income, 2 Yr. CAGR %	-75.54	2.42	107.6	-6.4	10.04
Diluted EPS Before Extra, 2 Yr. CAGR %	-69.05	10.01	170.23	-2.49	28.15
Dividend Per Share, 2 Yr. CAGR %	-13.75	-44.1	-5.05	47.2	16.77
Gross Loans, 2 Yr. CAGR %	-3.39	-3.57	3.76	2.32	-2.23
Allowance For Loan Losses, 2 Yr. CAGR %	37.63	14.36	-16.26	8.14	4.51
Net Loans, 2 Yr. CAGR %	-4.01	-3.73	4.16	2.19	-2.38
Non Performing Loans, 2 Yr. CAGR %	15.91	16.15	-19.71	6.99	17.22
Non Performing Assets, 2 Yr. CAGR %	13.1	13.86	-19.47	7.37	17.35
Total Assets, 2 Yr. CAGR %	1.55	0.53	-1.86	-0.4	1.29
Total Deposits, 2 Yr CAGR %	4.49	5.87	-0.73	-4.28	-0.44
Tangible Book Value, 2 Yr. CAGR %	-3.3	1.02	-0.79	-0.59	-0.25
Average Interest Earning Assets, 2 Yr. CAGR %	0.97	0.23	-1.34	-1.01	0.9
Average Interest Bearing Liabilities, 2 Yr. CAGR %	0.5	-4.78	-5.45	1.99	7.04
Common Equity, 2 Yr. CAGR %	-2.86	0.44	-1.09	-0.57	-0.22
Total Equity, 2 Yr. CAGR %	-2.87	0.56	-1.04	-0.7	-0.32
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-7.02	-10.55	-1.69	9.44	10.04
Non Interest Income, 3 Yr. CAGR %	-5.76	5.68	-10.05	-4.17	-7.25
Provision For Loan Losses, 3 Yr. CAGR %	77.46	33.56	-17.04	-27.43	1.42
Total Revenues, 3 Yr. CAGR %	-12.14	-0.69	-4.99	8.66	-2.19
Earnings From Cont. Operations, 3 Yr. CAGR %	-45.75	0.52	-13.93	73.21	-5.69
Net Income, 3 Yr. CAGR %	-47.01	-1.27	-12.56	78.3	-3.74
Normalized Net Income, 3 Yr. CAGR %	-60.49	-1.65	-15.03	88.2	-4.83
Diluted EPS Before Extra, 3 Yr. CAGR %	-53.58	4.97	-8.43	123.95	1.87
Dividend Per Share, 3 Yr. CAGR %	-7.47	-28.48	-16.95	2.14	35.72
Gross Loans, 3 Yr. CAGR %	-2.53	-2	-0.25	1.82	0.68
Allowance For Loan Losses, 3 Yr. CAGR %	18.94	8.51	10.78	-7.6	4.33
Net Loans, 3 Yr. CAGR %	-2.78	-2.18	-0.35	1.99	0.59
Non Performing Loans, 3 Yr. CAGR %	4.51	3.55	1.72	-1.84	2.34
Non Performing Assets, 3 Yr. CAGR %	2.35	1.78	0.67	-1.69	2.71
Total Assets, 3 Yr. CAGR %	0.06	0.91	-0.81	-0.35	-0.31
Total Deposits, 3 Yr CAGR %	1.68	4.85	1.52	-1.11	-2.55
Tangible Book Value, 3 Yr. CAGR %	-3.83	-1.07	-1.06	0.82	-1.77
Average Interest Earning Assets, 3 Yr. CAGR %	-0.08	0.46	-0.56	-0.85	-0.12
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-0.5	-2.16	-4.38	-1.2	3.38
Common Equity, 3 Yr. CAGR %	-3.51	-1.21	-1.19	0.38	-1.55
Total Equity, 3 Yr. CAGR %	-3.68	-1.19	-1.1	0.31	-1.61
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-2.54	-5.61	-1.93	0.93	0.16
Non Interest Income, 5 Yr. CAGR %	-4.4	1.18	-5.84	-3.68	-2.66
Provision For Loan Losses, 5 Yr. CAGR %	42.06	1.96	-9.51	25.36	10.03
Total Revenues, 5 Yr. CAGR %	-6.97	-0.38	-3.42	-1.84	-1.53
Earnings From Cont. Operations, 5 Yr. CAGR %	-31.21	1.06	-10.52	-3.62	-0.24
Net Income, 5 Yr. CAGR %	-32.11	-0.36	-9.89	-3.09	0.01
Normalized Net Income, 5 Yr. CAGR %	-45.01	-3.73	-10.52	-2.96	-1.37
Diluted EPS Before Extra, 5 Yr. CAGR %	-36.97	4.41	-5.2	2.45	5.6
Dividend Per Share, 5 Yr. CAGR %	-3.72	-16.91	-6.51	-4.54	-4.82
Gross Loans, 5 Yr. CAGR %	-0.68	-1.59	-0.06	-0.3	-1.05
Allowance For Loan Losses, 5 Yr. CAGR %	9.91	1.81	3.37	8.36	8.23
Net Loans, 5 Yr. CAGR %	-0.81	-1.58	-0.06	-0.45	-1.16
Non Performing Loans, 5 Yr. CAGR %	-5.17	-7.03	-5.95	4.91	7.65
Non Performing Assets, 5 Yr. CAGR %	-7.05	-8.41	-7.01	3.98	7.04
Total Assets, 5 Yr. CAGR %	1.81	0.19	-0.74	0.38	0.02
Total Deposits, 5 Yr CAGR %	2.8	2.57	0.71	1.1	0.73
Tangible Book Value, 5 Yr. CAGR %	-0.79	-0.6	-2.65	-0.88	-0.66
Average Interest Earning Assets, 5 Yr. CAGR %	2.43	0.56	-0.59	-0.13	0.02
Average Interest Bearing Liabilities, 5 Yr. CAGR %	2.38	-1.12	-2.51	-0.52	0.03
Common Equity, 5 Yr. CAGR %	-0.89	-0.97	-2.57	-0.95	-0.76
Total Equity, 5 Yr. CAGR %	-0.84	-1.06	-2.66	-1	-0.75