Income Statement WesBanco, Inc.

Stocks

WSBC

US9508101014

Banks

Market Closed - Nasdaq Other stock markets 01:30:00 16/07/2026 am IST			5-day change	1st Jan Change
39.52 ^USD	+1.07%		+2.84%	+18.89%

01/07	RBC Adjusts Price Target on WesBanco to $41 From $38, Maintains Sector Perform Rating	MT
30/06	WesBanco Inc. Announces Appointment of Craig Kinslow as Louisville Market President	CI

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Published financial data: WESBANCO, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	42Cr	42Cr	60Cr	71Cr	109.72Cr
Interest Income On Investments	6.9Cr	9.13Cr	11Cr	12Cr	17Cr
Interest Income, Total	48Cr	51Cr	71Cr	83Cr	127.19Cr
Interest On Deposits	1.41Cr	2.39Cr	15Cr	26Cr	38Cr
Total Interest On Borrowings	1.29Cr	1.54Cr	7.84Cr	8.25Cr	8.19Cr
Interest Expense, Total	2.7Cr	3.93Cr	23Cr	35Cr	46Cr
Net Interest Income	46Cr	47Cr	48Cr	48Cr	81Cr
Service Charges On Deposits	2.24Cr	2.63Cr	2.61Cr	3Cr	4.14Cr
Trust Income	2.95Cr	2.76Cr	3.5Cr	3.66Cr	4.6Cr
Total Mortgage Banking Activities	1.95Cr	51.29L	26.52L	42.7L	61.94L
Gain (Loss) on Sale of Loans	-	-	-	-	-
Income (Loss) on Real Estate Property	48.16L	5L	15.2L	1L	-4L
Gain (Loss) on Sale of Invest. & Securities - (Rev)	11.13L	-17.77L	9L	14.08L	33.79L
Total Other Non Interest Income	5.54Cr	5.97Cr	5.42Cr	5.56Cr	7.02Cr
Non Interest Income, Total	13Cr	12Cr	12Cr	13Cr	17Cr
Revenues Before Provison For Loan Losses	59Cr	59Cr	60Cr	61Cr	98Cr
Provision For Loan Losses	-6.43Cr	-16.63L	1.77Cr	1.92Cr	7.72Cr
Total Revenues	65Cr	59Cr	58Cr	59Cr	90Cr
Salaries And Other Employee Benefits	18Cr	19Cr	21Cr	21Cr	28Cr
Amort. of Goodwill & Intang. Assets	1.15Cr	1.03Cr	90.88L	82.51L	2.91Cr
Occupancy Expense	2.16Cr	2.15Cr	2.07Cr	2.02Cr	2.69Cr
Federal Deposit Insurance	41.5L	79.01L	1.22Cr	1.42Cr	2.09Cr
Selling General & Admin Expenses, Total	5.59Cr	5.82Cr	6.54Cr	6.92Cr	9.45Cr
Total Other Non Interest Expense	6.56Cr	6.43Cr	6.78Cr	7.31Cr	9.5Cr
Non Interest Expense, Total	34Cr	36Cr	39Cr	40Cr	55Cr
EBT, Excl. Unusual Items	31Cr	24Cr	20Cr	19Cr	36Cr
Restructuring Charges	-67.17L	-17.23L	-38.3L	-64L	-7.59Cr
Total Merger & Related Restructuring Charges	-	-	-	-	-
Legal Settlements	-45L	-	-	-	-
EBT, Incl. Unusual Items	30Cr	24Cr	19Cr	19Cr	28Cr
Income Tax Expense	5.96Cr	4.43Cr	3.5Cr	3.36Cr	5.61Cr
Earnings From Continuing Operations	24Cr	19Cr	16Cr	15Cr	22Cr
Net Income to Company	24Cr	19Cr	16Cr	15Cr	22Cr
Net Income - (IS)	24Cr	19Cr	16Cr	15Cr	22Cr
Preferred Dividend and Other Adjustments	1.01Cr	1.01Cr	1.01Cr	1.01Cr	2.05Cr
Net Income to Common Incl Extra Items	23Cr	18Cr	15Cr	14Cr	20Cr
Net Income to Common Excl. Extra Items	23Cr	18Cr	15Cr	14Cr	20Cr
Per Share Items
Net EPS - Basic	3.54	3.03	2.51	2.26	2.23
Basic EPS - Continuing Operations	3.54	3.03	2.51	2.26	2.23
Basic Weighted Average Shares Outstanding	6.55Cr	6Cr	5.93Cr	6.26Cr	9.09Cr
Net EPS - Diluted	3.53	3.02	2.51	2.26	2.23
Diluted EPS - Continuing Operations	3.53	3.02	2.51	2.26	2.23
Diluted Weighted Average Shares Outstanding	6.57Cr	6.02Cr	5.94Cr	6.27Cr	9.1Cr
Normalized Basic EPS	2.99	2.48	2.09	1.91	2.44
Normalized Diluted EPS	2.98	2.47	2.08	1.91	2.44
Dividend Per Share	1.32	1.37	1.41	1.45	1.49
Payout Ratio	39.88	47.6	58.11	64.38	62.87
Supplemental Items
Effective Tax Rate - (Ratio)	19.74	18.73	18.05	18.15	20.1
Current Domestic Taxes	4.07Cr	3.98Cr	3.87Cr	3.68Cr	1.41Cr
Total Current Taxes	4.07Cr	3.98Cr	3.87Cr	3.68Cr	1.41Cr
Deferred Domestic Taxes	1.89Cr	44.89L	-36.81L	-32.27L	4.2Cr
Total Deferred Taxes	1.89Cr	44.89L	-36.81L	-32.27L	4.2Cr
Normalized Net Income	20Cr	15Cr	12Cr	12Cr	22Cr
Non-Cash Pension Expense	-50.89L	-69.86L	-39.81L	-39.56L	-35.82L
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	1.21Cr	1.18Cr	1.3Cr	1.31Cr	1.57Cr
Total Stock-Based Compensation	1.21Cr	1.18Cr	1.3Cr	1.31Cr	1.57Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	125.14Cr	41Cr	60Cr	57Cr	96Cr
Investment Securities, Total	135.84Cr	158.49Cr	150.4Cr	159.53Cr	183.77Cr
Trading Asset Securities, Total	2.49Cr	7.59Cr	7.23Cr	7.25Cr	6.38Cr
Mortgage Backed Securities	271.09Cr	224.17Cr	193.69Cr	185.8Cr	270.11Cr
Total investments	409.42Cr	390.24Cr	351.32Cr	352.58Cr	460.26Cr
Gross Loans	975.94Cr	1.07TCr	1.17TCr	1.27TCr	1.95TCr
Allowance For Loan Losses	-12Cr	-12Cr	-13Cr	-14Cr	-22Cr
Other Adjustments to Gross Loans	-2.59Cr	-1.8Cr	-1.35Cr	-1.05Cr	-30Cr
Net Loans	961.19Cr	1.06TCr	1.15TCr	1.25TCr	1.9TCr
Gross Property Plant And Equipment	44Cr	43Cr	45Cr	44Cr	53Cr
Accumulated Depreciation	-21Cr	-21Cr	-22Cr	-22Cr	-27Cr
Net Property Plant And Equipment	23Cr	22Cr	23Cr	22Cr	26Cr
Goodwill	109.68Cr	109.68Cr	109.68Cr	109.68Cr	158.23Cr
Other Intangibles, Total	5.49Cr	4.46Cr	3.55Cr	2.73Cr	14Cr
Investment in FHLB	1.59Cr	3.62Cr	6.2Cr	4.82Cr	5.85Cr
Loans Held For Sale	2.53Cr	82.49L	1.64Cr	1.87Cr	8.75Cr
Accrued Interest Receivable	6.08Cr	6.85Cr	7.74Cr	7.83Cr	11Cr
Restricted Cash	-	-	-	-	-
Other Current Assets, Total	-	-	-	-	-
Other Real Estate Owned And Foreclosed	-	14.86L	14.97L	9L	9L
Other Long-Term Assets, Total	49Cr	56Cr	57Cr	58Cr	89Cr
Total Assets	1.69TCr	1.69TCr	1.77TCr	1.87TCr	2.77TCr
Liabilities
Interest Bearing Deposits	830.88Cr	805.72Cr	857.76Cr	829.1Cr	1.29TCr
Institutional Deposits	67Cr	37Cr	63Cr	200Cr	340Cr
Non-Interest Bearing Deposits	459.09Cr	470.04Cr	396.26Cr	384.28Cr	537.68Cr
Total Deposits	1.36TCr	1.31TCr	1.32TCr	1.41TCr	2.17TCr
Short-Term Borrowings	17Cr	21Cr	18Cr	26Cr	18Cr
Current Portion of Long-Term Debt	13Cr	70Cr	115Cr	90Cr	115Cr
Current Portion of Leases	60.88L	57.63L	1.03Cr	1.06Cr	1.47Cr
Long-Term Debt	40.33L	1.84Cr	2.12Cr	2.14Cr	15Cr
Federal Home Loan Bank Debt - Long-Term	5.58Cr	-	20Cr	10Cr	5Cr
Long-Term Leases	4.61Cr	4.69Cr	6.5Cr	5.54Cr	6.36Cr
Trust Preferred Securities (BS)	13Cr	26Cr	26Cr	26Cr	16Cr
Accrued Interest Payable	19.01L	45.93L	1.11Cr	1.42Cr	1.92Cr
Other Non Current Liabilities	13Cr	12Cr	12Cr	14Cr	21Cr
Total Liabilities	1.42TCr	1.45TCr	1.52TCr	1.59TCr	2.37TCr
Preferred Stock Non Redeemable	14Cr	14Cr	14Cr	14Cr	22Cr
Total Preferred Equity	14Cr	14Cr	14Cr	14Cr	22Cr
Common Stock, Total	14Cr	14Cr	14Cr	16Cr	20Cr
Additional Paid In Capital	163.56Cr	163.59Cr	163.59Cr	180.97Cr	249.04Cr
Retained Earnings	98Cr	107.77Cr	114.26Cr	119.21Cr	125.28Cr
Treasury Stock	-20Cr	-31Cr	-30Cr	-29Cr	-
Comprehensive Income and Other	-68L	-26Cr	-23Cr	-22Cr	-14Cr
Total Common Equity	254.87Cr	228.22Cr	238.86Cr	264.58Cr	380.77Cr
Total Equity	269.32Cr	242.67Cr	253.31Cr	279.03Cr	403.19Cr
Total Liabilities And Equity	1.69TCr	1.69TCr	1.77TCr	1.87TCr	2.77TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	6.13Cr	5.92Cr	5.94Cr	6.69Cr	9.61Cr
ECS Total Common Shares Outstanding	6.23Cr	5.92Cr	5.94Cr	6.69Cr	9.61Cr
Book Value / Share	40.91	38.55	40.23	39.54	39.64
Tangible Book Value	139.7Cr	114.08Cr	125.63Cr	152.18Cr	208.43Cr
Tangible Book Value Per Share	22.42	19.27	21.16	22.74	21.7
Tangible Book Value Per Share (As Reported)	22.61	19.43	21.28	22.83	22.01
Average Assets	1.69TCr	1.69TCr	1.73TCr	1.81TCr	2.6TCr
Average Loans	1.04TCr	1.01TCr	1.11TCr	1.22TCr	1.79TCr
Total Debt	54Cr	124.89Cr	188.35Cr	160.96Cr	176.19Cr
Deposits at Interest - Cash	109.43Cr	24Cr	44Cr	14Cr	75Cr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-3.89Cr	-3.98Cr	-5.18Cr	-5.55Cr	-6.08Cr
Net Debt	-74Cr	76Cr	121.59Cr	97Cr	74Cr
Equity Method Investments, Total	3.78Cr	3.75Cr	3.49Cr	4.11Cr	8.77Cr
Full Time Employees	2.39T	2.43T	2.32T	2.2T	2.97T
Number Of Offices	206	194	192	181	251

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	24Cr	19Cr	16Cr	15Cr	22Cr
Depreciation, Depletion & Amortization	1.34Cr	1.3Cr	1.44Cr	1.53Cr	2.02Cr
Amortization of Goodwill and Intangible Assets - (CF)	1.15Cr	88.9L	1.36Cr	82.51L	2.91Cr
Total Depreciation, Depletion & Amortization	2.49Cr	2.19Cr	2.8Cr	2.35Cr	4.93Cr
Gain (Loss) on Sale of Loans & Receivables - (CF)	-	-	-	-	-
(Gain) Loss on Sale of Investments - (CF)	-	17.77L	-9L	-14.08L	-33.79L
Provision for Credit Losses	-	-16.63L	1.77Cr	1.92Cr	7.72Cr
Stock-Based Compensation (CF)	-	62.46L	83.24L	75.18L	87.41L
Net (Increase) Decrease in Loans Originated / Sold - Operating	-	1.7Cr	-79.46L	-26.05L	-22.18L
Change in Trading Asset Securities	-	-	-	-	-
Changes in Accrued Interest Receivable	-	-6.31Cr	-3Cr	44.95L	3.08Cr
Changes in Accrued Interest Payable	-	4.42Cr	1.26Cr	2.11Cr	-4.09Cr
Change In Deferred Taxes	-	44.89L	-36.81L	-32.27L	4.2Cr
Change in Other Net Operating Assets (Collected)	-14.53L	-1.07Cr	-1.1Cr	-95.44L	-1.51Cr
Other Operating Activities	-1.41Cr	-82.04L	-28.07L	4L	-7.92Cr
Cash from Operations	25Cr	20Cr	17Cr	21Cr	29Cr
Capital Expenditure	-	-79.9L	-2.25Cr	-1.03Cr	-1.04Cr
Cash Acquisitions	-	-	-	-	20Cr
Investment in Marketable and Equity Securities, Total	-	-11Cr	41Cr	18.86L	24Cr
Net (Increase) Decrease in Loans Originated / Sold - Investing	-	-96Cr	-94Cr	-102.55Cr	-51Cr
Other Investing Activities, Total	-	87.26L	83.3L	38.38L	50.63L
Cash from Investing	-	-106.82Cr	-54Cr	-103.01Cr	-7.1Cr
Short Term Debt Issued, Total	-	-	-	8.62Cr	-
Long-Term Debt Issued, Total	-	80Cr	160.5Cr	117.5Cr	117.5Cr
Total Debt Issued	-	80Cr	160.5Cr	126.12Cr	117.5Cr
Short Term Debt Repaid, Total	-	-68.24L	-2.92Cr	-	-8.14Cr
Long-Term Debt Repaid, Total	-3.5Cr	-13Cr	-97Cr	-152.79Cr	-152.98Cr
Total Debt Repaid	-3.5Cr	-14Cr	-99Cr	-152.79Cr	-161.12Cr
Issuance of Common Stock	-	-	-	19Cr	5L
Repurchase of Common Stock	-18Cr	-12Cr	-35.08L	-	-10.89L
Issuance of Preferred Stock	-	-	-	-	22Cr
Repurchase of Preferred Stock	-	-	-	-	-15Cr
Common Dividends Paid	-	-8.13Cr	-8.23Cr	-8.74Cr	-13Cr
Preferred Dividends Paid	-	-1.01Cr	-1.01Cr	-1.01Cr	-1.5Cr
Common & Preferred Stock Dividends Paid	-9.66Cr	-	-	-	-
Common & Preferred Stock Dividends Paid	-9.66Cr	-9.14Cr	-9.24Cr	-9.75Cr	-14Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	-	-43Cr	3.86Cr	97Cr	67Cr
Cash from Financing	-31Cr	2.11Cr	55Cr	79Cr	17Cr
Net Change in Cash	-5.99Cr	-84Cr	19Cr	-2.72Cr	39Cr
Supplemental Items
Cash Interest Paid	3.26Cr	3.77Cr	22Cr	34Cr	46Cr
Cash Income Tax Paid (Refund)	3.57Cr	2.49Cr	3.56Cr	2.68Cr	3.17Cr
Net Debt Issued / Repaid	-3.5Cr	66Cr	61Cr	-27Cr	-44Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.45	1.13	0.92	0.83	0.96
Return On Equity %	8.89	7.5	6.41	5.69	6.54
Return on Common Equity	9	7.53	6.38	5.62	6.28
Shareholders Value Added	-5.17Cr	-8.78Cr	-11Cr	-14Cr	-8.76Cr
Margin Analysis
SG&A Margin	39.81	45.97	50.86	51.09	44.67
Net Interest Income / Total Revenues %	69.91	79.94	82.41	81.47	90.1
EBT Excl. Non-Recurring Items Margin %	47.8	40.13	33.88	32.63	39.3
Income From Continuing Operations Margin %	36.99	32.38	27.23	25.81	24.68
Net Income Margin %	36.99	32.38	27.23	25.81	24.68
Net Avail. For Common Margin %	35.44	30.67	25.5	24.09	22.41
Normalized Net Income Margin	29.87	25.08	21.18	20.39	24.56
Asset quality
Nonperforming Loans / Total Loans %	0.4	0.39	0.23	0.31	0.47
Nonperforming Loans / Total Assets %	0.23	0.24	0.15	0.21	0.33
Nonperforming Assets / Total Assets %	0.23	0.25	0.16	0.22	0.33
NPAs / Loans and OREO	0.4	0.4	0.24	0.32	0.47
NPAs / Equity	1.47	1.77	1.12	1.46	2.29
Allowance for Credit Losses / Net Charge-offs %	7.04T	7.25T	2.82T	1.02T	1.17T
Allowance for Credit Losses / Nonperforming Loans %	308	284.41	487.45	349.08	238.85
Allowance for Credit Losses / Total Loans %	1.25	1.1	1.12	1.1	1.12
Net Charge-offs / Total Average Loans %	0.02	0.02	0.04	0.11	0.1
Provision for Loan Losses / Net Charge-offs %	-3.72T	-102.4	382.03	140.78	414.54
Earning Assets / IBL	156.31	158.33	151.56	143.91	137.77
Interest Income / Average Assets	2.86	3.04	4.12	4.56	4.9
Interest Expense / Average Assets	0.16	0.23	1.33	1.92	1.76
Net Interest Income / Average Assets	2.71	2.81	2.79	2.64	3.14
Non Interest Income / Average Assets	0.78	0.7	0.7	0.71	0.64
Non Interest Expense / Average Asset	2.02	2.1	2.24	2.18	2.11
Capital And Funding
Total Average Common Equity / Total Average Assets %	15.47	14.27	13.48	13.83	13.91
Total Average Equity / Total Average Assets %	16.34	15.12	14.32	14.63	14.71
Total Equity + Allowance for Loan Losses / Total Loans %	28.84	23.73	22.86	23.12	21.77
Gross Loans / Total Deposits %	71.94	81.64	88.48	89.62	90.12
Net Loans / Total Deposits %	70.85	80.61	87.39	88.57	87.72
Tier 1 Capital Ratio %	14.05	12.33	12.05	13.06	11.42
Total Capital Ratio %	15.91	15.11	14.91	15.88	13.92
Core Tier 1 Capital Ratio	12.77	11.2	10.99	12.07	10.37
Equity Tier 1 Capital Ratio	8.92	7.28	7.62	8.7	8.13
Coverage Ratio	308	233.71	352.75	265.12	446.65
Leverage Ratio %	10.02	9.9	9.87	10.68	9.42
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	24.38	16.35	3.48	3.24	4.41
EBT + Interest Expense / Interest Expense	12.17	7.01	1.84	1.53	1.61
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-4.49	3.58	1.48	-0.65	70.28
Non Interest Income, 1 Yr. Growth %	3.59	-11.59	2.6	6.26	30.29
Provision For Loan Losses, 1 Yr. Growth %	-159.66	-97.41	-1.17T	8.3	302.18
Total Revenues, 1 Yr. Growth %	31.02	-9.41	-1.57	0.5	53.98
Earnings From Cont. Operations, 1 Yr. Growth %	98.5	-20.7	-17.22	-4.73	47.25
Net Income, 1 Yr. Growth %	98.5	-20.7	-17.22	-4.73	47.25
Normalized Net Income, 1 Yr. Growth %	102.23	-23.94	-16.9	-3.22	85.45
Diluted EPS Before Extra, 1 Yr. Growth %	99.43	-14.45	-16.89	-10	-1.35
Dividend Per Share, 1 Yr. Growth %	3.12	3.79	2.92	2.84	2.76
Gross Loans, 1 Yr. Growth %	-9.87	9.85	8.69	8.71	54.17
Allowance For Loan Losses, 1 Yr. Growth %	-34.55	-3.15	10.94	6.19	57.64
Net Loans, 1 Yr. Growth %	-9.35	10.12	8.72	8.78	51.85
Non Performing Loans, 1 Yr. Growth %	-3.23	4.88	-35.27	48.28	130.39
Non Performing Assets, 1 Yr. Growth %	-4.52	8.64	-34.02	43.45	127.79
Total Assets, 1 Yr. Growth %	3.05	0.03	4.61	5.49	48.23
Total Deposits, 1 Yr Growth %	9.14	-3.2	0.29	7.33	53.31
Tangible Book Value, 1 Yr. Growth %	-3.6	-18.34	10.12	21.13	36.97
Average Interest Earning Assets, 1 Yr. Growth %	3.36	0.65	3.4	5.34	42.36
Average Interest Bearing Liabilities, 1 Yr. Growth %	-2.65	-0.64	8.02	10.94	48.7
Common Equity, 1 Yr. Growth %	-2.43	-10.46	4.66	10.77	43.92
Total Equity, 1 Yr. Growth %	-2.31	-9.9	4.38	10.15	44.5
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	7.01	-0.54	2.52	0.41	30.07
Non Interest Income, 2 Yr. CAGR %	6.66	-4.3	-4.76	4.41	17.66
Provision For Loan Losses, 2 Yr. CAGR %	139.58	-87.58	-47.47	239.84	108.7
Total Revenues, 2 Yr. CAGR %	13.84	8.95	-5.57	-0.54	24.4
Earnings From Cont. Operations, 2 Yr. CAGR %	23.49	25.46	-18.98	-11.19	18.44
Net Income, 2 Yr. CAGR %	23.49	25.46	-18.98	-11.19	18.44
Normalized Net Income, 2 Yr. CAGR %	22.21	24.03	-19.92	-10.32	33.97
Diluted EPS Before Extra, 2 Yr. CAGR %	11.68	30.62	-15.68	-13.51	-5.77
Dividend Per Share, 2 Yr. CAGR %	3.18	3.46	3.35	2.88	2.8
Gross Loans, 2 Yr. CAGR %	-2.75	-0.5	9.27	8.7	29.46
Allowance For Loan Losses, 2 Yr. CAGR %	52.31	-20.38	3.66	8.54	29.38
Net Loans, 2 Yr. CAGR %	-3	-0.09	9.42	8.75	28.52
Non Performing Loans, 2 Yr. CAGR %	-11.44	0.74	-17.61	-2.03	84.83
Non Performing Assets, 2 Yr. CAGR %	-14.9	1.85	-15.34	-2.71	80.77
Total Assets, 2 Yr. CAGR %	3.77	1.53	2.29	5.05	25.05
Total Deposits, 2 Yr CAGR %	11.03	2.78	-1.47	3.75	28.28
Tangible Book Value, 2 Yr. CAGR %	-1.67	-11.27	-5.17	15.5	28.81
Average Interest Earning Assets, 2 Yr. CAGR %	15.18	2	2.02	4.37	22.46
Average Interest Bearing Liabilities, 2 Yr. CAGR %	8.81	-1.65	3.6	9.47	28.44
Common Equity, 2 Yr. CAGR %	-0.88	-6.53	-3.19	7.67	26.26
Total Equity, 2 Yr. CAGR %	1.9	-6.18	-3.02	7.23	26.16
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	9.66	5.85	0.13	1.45	19.74
Non Interest Income, 3 Yr. CAGR %	9.81	0.19	-2.05	-1.22	12.41
Provision For Loan Losses, 3 Yr. CAGR %	102.29	-47.04	-45.2	-33.14	259.46
Total Revenues, 3 Yr. CAGR %	14.2	5.49	5.32	-3.59	15.06
Earnings From Cont. Operations, 3 Yr. CAGR %	19.18	6.54	9.23	-14.48	5.11
Net Income, 3 Yr. CAGR %	19.18	6.54	9.23	-14.48	5.11
Normalized Net Income, 3 Yr. CAGR %	17.62	4.34	8.53	-14.7	14.26
Diluted EPS Before Extra, 3 Yr. CAGR %	6.53	2.19	12.35	-13.83	-9.63
Dividend Per Share, 3 Yr. CAGR %	4.4	3.38	3.28	3.18	2.84
Gross Loans, 3 Yr. CAGR %	8.19	1.28	2.47	9.08	22.13
Allowance For Loan Losses, 3 Yr. CAGR %	35.44	30.97	-11.07	4.49	22.92
Net Loans, 3 Yr. CAGR %	8.11	1.19	2.77	9.2	21.55
Non Performing Loans, 3 Yr. CAGR %	2.71	-6.3	-13.07	0.22	30.28
Non Performing Assets, 3 Yr. CAGR %	-3.33	-7.68	-11.87	0.93	29.18
Total Assets, 3 Yr. CAGR %	10.76	2.51	2.55	3.35	17.83
Total Deposits, 3 Yr CAGR %	15.38	6.07	1.94	1.38	18.17
Tangible Book Value, 3 Yr. CAGR %	9.64	-7.57	-4.65	2.89	22.25
Average Interest Earning Assets, 3 Yr. CAGR %	14.02	10.12	2.46	3.11	15.75
Average Interest Bearing Liabilities, 3 Yr. CAGR %	8.78	5.57	1.47	5.99	21.24
Common Equity, 3 Yr. CAGR %	8.8	-4.18	-2.94	1.25	18.61
Total Equity, 3 Yr. CAGR %	10.82	-2.2	-2.78	1.19	18.44
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	12.57	10.32	6.75	3.64	11.17
Non Interest Income, 5 Yr. CAGR %	10.26	5.73	3.73	1.86	5.4
Provision For Loan Losses, 5 Yr. CAGR %	49.95	-30.13	17.96	11.39	-6.44
Total Revenues, 5 Yr. CAGR %	14.95	9.96	5.84	3.04	12.57
Earnings From Cont. Operations, 5 Yr. CAGR %	22.83	15.25	2.13	-0.94	12.82
Net Income, 5 Yr. CAGR %	22.83	15.25	2.13	-0.94	12.82
Normalized Net Income, 5 Yr. CAGR %	19.05	9.8	0.56	-1.79	18.07
Diluted EPS Before Extra, 5 Yr. CAGR %	10.32	7.13	-2.98	-4.41	4.71
Dividend Per Share, 5 Yr. CAGR %	6.58	5.67	3.98	3.18	3.08
Gross Loans, 5 Yr. CAGR %	9.24	11	8.62	4.18	12.52
Allowance For Loan Losses, 5 Yr. CAGR %	22.73	21.07	21.7	21.49	3.32
Net Loans, 5 Yr. CAGR %	9.14	10.95	8.63	4.15	12.38
Non Performing Loans, 5 Yr. CAGR %	0.03	-0.93	-5.96	-4.61	17.55
Non Performing Assets, 5 Yr. CAGR %	-3.74	-2.5	-8.32	-5.72	17.47
Total Assets, 5 Yr. CAGR %	11.57	11.52	7.29	3.52	11.01
Total Deposits, 5 Yr CAGR %	14.02	13.27	8.32	5.13	11.76
Tangible Book Value, 5 Yr. CAGR %	13.3	7.19	3.46	1.04	7.54
Average Interest Earning Assets, 5 Yr. CAGR %	13.39	11.37	9.06	7.78	10.04
Average Interest Bearing Liabilities, 5 Yr. CAGR %	9.01	7.52	6.68	7.11	11.5
Common Equity, 5 Yr. CAGR %	13.7	10.34	3.84	0.4	7.83
Total Equity, 5 Yr. CAGR %	14.96	11.7	5.06	1.47	7.9