Financial Ratios BancorpSouth NYSE

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BXS

US05971J1025

Banks

End-of-day quote NYSE Other stock markets 2024-02-05			5-day change	1st Jan Change
25.80 ^USD	-1.90%		-8.74%	-12.81%

02-02	Huntington Bancshares Incorporated Appoints Three New Directors	CI
02-02	Huntington Bancshares Closes Merger With Cadence Bank	MT

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Published financial data: BANCORPSOUTH

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	708M	766M	1.35B	2.01B	2.17B
Interest Income On Investments	91.07M	116M	210M	301M	377M
Interest Income, Total	799M	882M	1.56B	2.31B	2.55B
Interest On Deposits	90.75M	60.85M	140M	734M	957M
Total Interest On Borrowings	17.78M	15.48M	69.62M	225M	154M
Interest Expense, Total	109M	76.32M	209M	959M	1.11B
Net Interest Income	691M	806M	1.35B	1.35B	1.44B
Service Charges On Deposits	37.93M	43.99M	73.48M	61.72M	73.5M
Trust Income	26.21M	39.51M	80.49M	86.93M	94.92M
Credit Card Fee	38.25M	45.52M	58.16M	49.78M	50.24M
Total Mortgage Banking Activities	86.25M	58.05M	44.86M	18.98M	17.3M
Gain (Loss) on Sale of Loans	-	21.57M	-	-	-
Gain (Loss) on Sale of Assets	4.2M	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	58K	-395K	-384K	-436M	-2.96M
Total Other Non Interest Income	144M	170M	236M	102M	124M
Non Interest Income, Total	337M	378M	493M	-116M	357M
Revenues Before Provison For Loan Losses	1.03B	1.18B	1.84B	1.24B	1.79B
Provision For Loan Losses	86M	138M	7M	80M	71M
Total Revenues	941M	1.05B	1.84B	1.16B	1.72B
Salaries And Other Employee Benefits	400M	454M	707M	595M	577M
Amort. of Goodwill & Intang. Assets	-	-	20.49M	19.39M	15.9M
Occupancy Expense	41.59M	69.16M	95.56M	111M	96.61M
Federal Deposit Insurance	6.73M	8.7M	18.71M	72.22M	39.92M
Selling General & Admin Expenses, Total	50.34M	114M	217M	188M	194M
Total Other Non Interest Expense	144M	93.22M	127M	165M	122M
Non Interest Expense, Total	643M	739M	1.19B	1.15B	1.05B
EBT, Excl. Unusual Items	299M	307M	651M	4.28M	676M
Total Merger & Related Restructuring Charges	-5.34M	-59.9M	-51.21M	-5.19M	-
Legal Settlements	-	-	-	-	-
Other Unusual Items	-5.85M	-	-	-	-
EBT, Incl. Unusual Items	288M	247M	599M	-910K	676M
Income Tax Expense	59.49M	51.77M	136M	-4.59M	153M
Earnings From Continuing Operations	228M	195M	463M	3.68M	524M
Earnings Of Discontinued Operations	-	-	-	539M	-
Net Income to Company	228M	195M	463M	542M	524M
Net Income - (IS)	228M	195M	463M	542M	524M
Preferred Dividend and Other Adjustments	9.49M	9.49M	9.49M	9.49M	9.49M
Net Income to Common Incl Extra Items	219M	186M	454M	533M	514M
Net Income to Common Excl. Extra Items	219M	186M	454M	-5.8M	514M
Per Share Items
Net EPS - Basic	2.12	1.54	2.47	2.92	2.81
Basic EPS - Continuing Operations	2.12	1.54	2.47	-0.03	2.81
Basic Weighted Average Shares Outstanding	103M	120M	184M	183M	183M
Net EPS - Diluted	2.12	1.54	2.46	2.92	2.77
Diluted EPS - Continuing Operations	2.12	1.54	2.46	-0.03	2.77
Diluted Weighted Average Shares Outstanding	103M	121M	184M	183M	186M
Normalized Basic EPS	1.81	1.59	2.22	0.01	2.31
Normalized Diluted EPS	1.81	1.59	2.2	0.01	2.28
Dividend Per Share	0.74	0.78	0.88	0.94	1
Payout Ratio	37.69	55.72	36.76	33.43	36.69
Supplemental Items
Effective Tax Rate - (Ratio)	20.69	20.96	22.71	504.84	22.57
Current Domestic Taxes	59.73M	73.83M	128M	-5.49M	144M
Total Current Taxes	59.73M	73.83M	128M	-5.49M	144M
Deferred Domestic Taxes	-240K	-22.06M	7.82M	892K	8.22M
Total Deferred Taxes	-240K	-22.06M	7.82M	892K	8.22M
Normalized Net Income	187M	192M	407M	2.68M	423M
Non-Cash Pension Expense	-2.16M	-5.45M	-1.96M	5.8M	-8.26M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	17.84M	18.1M	37.55M	39.4M	32.71M
Total Stock-Based Compensation	17.84M	18.1M	37.55M	39.4M	32.71M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	417M	1.29B	2B	4.23B	1.67B
Investment Securities, Total	3B	5.22B	3.81B	1.55B	1.21B
Trading Asset Securities, Total	22.85M	43.5M	29.42M	29.5M	33.33M
Mortgage Backed Securities	3.23B	10.55B	8.41B	6.93B	6.52B
Total investments	6.25B	15.82B	12.25B	8.51B	7.76B
Gross Loans	15.04B	26.99B	30.45B	32.57B	33.76B
Allowance For Loan Losses	-244M	-446M	-440M	-468M	-461M
Other Adjustments to Gross Loans	-16.76M	-103M	-101M	-75.4M	-21.4M
Net Loans	14.78B	26.44B	29.91B	32.03B	33.28B
Gross Property Plant And Equipment	1.02B	1.34B	1.42B	1.41B	1.45B
Accumulated Depreciation	-507M	-555M	-599M	-610M	-668M
Net Property Plant And Equipment	508M	786M	817M	802M	783M
Goodwill	852M	1.41B	1.46B	1.37B	1.37B
Other Intangibles, Total	55.9M	227M	157M	100M	83.19M
Investment in FHLB	8M	8.3M	134M	13.11M	10.41M
Loans Held For Sale	397M	340M	188M	186M	244M
Accrued Interest Receivable	106M	-	-	-	-
Restricted Cash	-	-	-	-	60.9M
Deferred Tax Assets Long-Term (Collected)	-	-	-	-	-
Other Real Estate Owned And Foreclosed	11.4M	17.79M	6.72M	6.25M	5.75M
Other Long-Term Assets, Total	693M	1.34B	1.74B	1.69B	1.76B
Total Assets	24.08B	47.67B	48.65B	48.93B	47.02B
Liabilities
Interest Bearing Deposits	11.87B	25.23B	26.23B	29.27B	31.9B
Institutional Deposits	1.64B	958M	-	-	-
Non-Interest Bearing Deposits	6.34B	13.63B	12.73B	9.23B	8.59B
Total Deposits	19.85B	39.82B	38.96B	38.5B	40.5B
Short-Term Borrowings	643M	1.29B	4.07B	4B	72.29M
Current Portion of Long-Term Debt	-	-	-	-	-
Current Portion of Leases	8.44M	21.22M	15.62M	11.18M	11.24M
Long-Term Debt	-	-	-	-	-
Federal Home Loan Bank Debt - Long-Term	4.4M	3.74M	836K	771K	706K
Long-Term Leases	63.76M	189M	201M	180M	177M
Trust Preferred Securities (BS)	297M	479M	462M	438M	10M
Accrued Interest Payable	10.88M	8.48M	27.53M	101M	-
Pension & Other Post Retirement Benefits	-	-	-	-	-
Deferred Tax Liability Non-Current	135M	-	-	-	-
Other Non Current Liabilities	249M	608M	614M	543M	683M
Total Liabilities	21.26B	42.42B	44.34B	43.77B	41.45B
Preferred Stock Redeemable	167M	167M	167M	167M	167M
Total Preferred Equity	167M	167M	167M	167M	167M
Common Stock, Total	256M	471M	456M	457M	459M
Additional Paid In Capital	565M	2.84B	2.71B	2.74B	2.74B
Retained Earnings	1.82B	1.91B	2.2B	2.56B	2.9B
Comprehensive Income and Other	11.92M	-139M	-1.22B	-762M	-694M
Total Common Equity	2.66B	5.08B	4.14B	5B	5.4B
Total Equity	2.82B	5.25B	4.31B	5.17B	5.57B
Total Liabilities And Equity	24.08B	47.67B	48.65B	48.93B	47.02B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	103M	185M	182M	182M	184M
ECS Total Common Shares Outstanding	103M	188M	182M	183M	184M
Book Value / Share	25.89	26.98	22.72	27.35	29.44
Tangible Book Value	1.75B	3.45B	2.53B	3.53B	3.95B
Tangible Book Value Per Share	17.04	18.3	13.86	19.32	21.54
Tangible Book Value Per Share (As Reported)	17.04	19.34	13.99	19.32	21.54
Average Assets	22.72B	29.99B	47.53B	48.7B	47.97B
Average Loans	15.23B	17.33B	28.54B	32B	33.22B
Total Debt	1.02B	1.99B	4.74B	4.63B	271M
Deposits at Interest - Cash	133M	639M	1.24B	3.43B	1.11B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-89.9M	-90.79M	-103M	-96.2M	-103M
Net Debt	577M	649M	2.72B	364M	-1.43B
Full Time Employees	4.6K	-	-	5.33K	5.34K
Number Of Offices	300	400	400	350	350

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	228M	195M	463M	542M	524M
Depreciation, Depletion & Amortization	33.77M	169M	226M	207M	177M
Amortization of Goodwill and Intangible Assets - (CF)	9.6M	-	20.49M	19.39M	15.9M
Total Depreciation, Depletion & Amortization	43.37M	169M	246M	227M	193M
Amortization of Deferred Charges, Total	-	6.7M	9.7M	9.8M	9.5M
Gain (Loss) on Sale of Loans & Receivables - (CF)	-82.33M	-105M	-46.08M	-17.03M	-21.35M
(Gain) Loss On Sale of Asset - (CF)	1.12M	-	-	-	-14.98M
(Gain) Loss on Sale of Investments - (CF)	20.55M	-	-	436M	2.96M
Provision for Credit Losses	86M	138M	7M	80M	71M
(Income) Loss On Equity Investments - (CF)	-	-	-8.17M	-8.02M	-11M
Stock-Based Compensation (CF)	12.82M	18.1M	32.79M	31.02M	32.71M
Tax Benefit from Stock Options	-	-	-	-	-
Net (Increase) Decrease in Loans Originated / Sold - Operating	16.1M	896M	127M	-41.16M	9.54M
Changes in Accrued Interest Receivable	-39.88M	-35.92M	-41.19M	-15.25M	2.01M
Changes in Accrued Interest Payable	-4.38M	-	-	73.15M	10.17M
Change in Unearned Revenues	11.14M	-	-	-	-
Change in Other Net Operating Assets (Collected)	-66.7M	-87.73M	109M	-45.36M	56.54M
Other Operating Activities	683K	-21.81M	23.24M	-11.44M	-7.11M
Net Cash From Discontinued Operations	-	-	-	-705M	-
Cash from Operations	227M	1.17B	923M	556M	857M
Capital Expenditure	-55.91M	-72.27M	-94.5M	-98.28M	-80.07M
Sale of Property, Plant, and Equipment	2.11M	5.64M	9.89M	17.08M	35.68M
Cash Acquisitions	2.07M	2.67B	-11.51M	-	-
Divestitures	-	-359M	-	861M	15.31M
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-1.61B	-5.17B	2.05B	3.87B	740M
Net (Increase) Decrease in Loans Originated / Sold - Investing	-783M	-203M	-3.57B	-2.31B	-1.43B
Other Investing Activities, Total	12.02M	-20.74M	-103M	50.42M	-67.6M
Cash from Investing	-2.43B	-3.15B	-1.71B	2.4B	-782M
Short Term Debt Issued, Total	-	644M	2.73B	400M	-
Long-Term Debt Issued, Total	-	-	-	-	-
Total Debt Issued	-	644M	2.73B	400M	-
Short Term Debt Repaid, Total	-601M	-	-	-457M	-3.93B
Long-Term Debt Repaid, Total	-392K	-55.98M	-17.84M	-22.54M	-423M
Total Debt Repaid	-601M	-55.98M	-17.84M	-480M	-4.35B
Issuance of Common Stock	-	-	-	6.15M	24.59M
Repurchase of Common Stock	-91.16M	-186M	-184M	-2.41M	-56.57M
Issuance of Preferred Stock	-	-	-	-	-
Common Dividends Paid	-76.46M	-99.26M	-161M	-172M	-183M
Preferred Dividends Paid	-9.49M	-9.49M	-9.49M	-9.49M	-9.49M
Common & Preferred Stock Dividends Paid	-85.95M	-109M	-170M	-181M	-192M
Net Increase (Decrease) in Deposit Accounts - (CF)	3.07B	2.56B	-864M	-460M	2B
Other Financing Activities, Total	-28K	-	-	1.74M	-
Cash from Financing	2.29B	2.86B	1.49B	-715M	-2.58B
Net Change in Cash	84.36M	877M	703M	2.24B	-2.5B
Supplemental Items
Cash Interest Paid	104M	78.72M	190M	886M	1.1B
Cash Income Tax Paid (Refund)	74.72M	76.8M	72.44M	163M	115M
Net Debt Issued / Repaid	-601M	588M	2.71B	-79.99M	-4.35B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	1.01	0.54	0.96	0.01	1.09
Return On Equity %	8.28	4.84	9.69	0.08	9.75
Return on Common Equity	8.45	4.8	9.84	-0.13	9.88
Shareholders Value Added	-69.41M	-232M	-37.79M	16.22M	-84.71M
Margin Analysis
SG&A Margin	52.25	60.92	55.53	77.43	50.38
Net Interest Income / Total Revenues %	73.39	77.04	73.55	117	83.42
EBT Excl. Non-Recurring Items Margin %	31.73	29.34	35.41	0.37	39.27
Income From Continuing Operations Margin %	24.22	18.66	25.21	0.32	30.41
Net Income Margin %	24.22	18.66	25.21	46.95	30.41
Net Avail. For Common Margin %	23.22	17.75	24.7	-0.5	29.86
Normalized Net Income Margin	19.83	18.34	22.13	0.23	24.55
Asset quality
Nonperforming Loans / Total Loans %	0.81	0.57	0.36	0.66	0.78
Nonperforming Loans / Total Assets %	0.5	0.32	0.22	0.44	0.56
Nonperforming Assets / Total Assets %	0.55	0.39	0.24	0.45	0.58
NPAs / Loans and OREO	0.88	0.69	0.38	0.68	0.8
NPAs / Equity	4.7	3.56	2.69	4.3	4.86
Allowance for Credit Losses / Net Charge-offs %	888.68	-8.4K	-899K	644.96	588.94
Allowance for Credit Losses / Nonperforming Loans %	201.71	290.27	402.47	216.54	174.09
Allowance for Credit Losses / Total Loans %	1.63	1.65	1.45	1.44	1.36
Net Charge-offs / Total Average Loans %	0.18	-0.03	-0	0.23	0.24
Provision for Loan Losses / Net Charge-offs %	312.68	-2.6K	-14.29K	110.24	90.75
Earning Assets / IBL	148.88	152.41	151.32	134.36	132.48
Interest Income / Average Assets	3.52	2.94	3.28	4.74	5.31
Interest Expense / Average Assets	0.48	0.25	0.44	1.97	2.32
Net Interest Income / Average Assets	3.04	2.69	2.84	2.77	2.99
Non Interest Income / Average Assets	1.48	1.26	1.04	-0.24	0.74
Non Interest Expense / Average Asset	2.83	2.46	2.5	2.36	2.18
Capital And Funding
Total Average Common Equity / Total Average Assets %	11.46	10.78	9.58	9.37	10.84
Total Average Equity / Total Average Assets %	12.2	11.25	9.92	9.71	11.19
Total Equity + Allowance for Loan Losses / Total Loans %	20.39	21.1	15.6	17.3	17.86
Gross Loans / Total Deposits %	75.78	67.77	78.16	84.61	83.37
Net Loans / Total Deposits %	74.46	66.39	76.77	83.2	82.18
Tier 1 Capital Ratio %	11.74	11.61	10.66	12.06	12.79
Total Capital Ratio %	14.48	13.86	12.81	14.32	13.97
Core Tier 1 Capital Ratio	10.74	11.11	10.22	11.62	12.35
Equity Tier 1 Capital Ratio	7.54	7.54	5.42	7.44	8.67
Coverage Ratio	827.29	1.77K	6.12K	462.16	686.96
Leverage Ratio %	8.67	9.9	8.43	9.3	10.41
Interbank Ratio	20.9	49.8	136.59	760.57	4.43K
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	17.18	16.96	9.61	1	5.4
EBT + Interest Expense / Interest Expense	3.65	4.24	3.86	1	1.61
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	6.31	16.61	67.71	0	6.28
Non Interest Income, 1 Yr. Growth %	19.89	12.38	30.38	-133.97	-406.43
Provision For Loan Losses, 1 Yr. Growth %	5.63K	55.05	-94.93	1.04K	-11.25
Total Revenues, 1 Yr. Growth %	1.33	11.44	75.68	-31.53	49.07
Earnings From Cont. Operations, 1 Yr. Growth %	-2.65	-14.42	137.36	-99.18	14.11K
Net Income, 1 Yr. Growth %	-2.65	-14.42	137.36	17.07	-3.45
Normalized Net Income, 1 Yr. Growth %	-4.68	4.76	112.04	-99.32	15.69K
Diluted EPS Before Extra, 1 Yr. Growth %	-7.83	-27.36	59.74	-101.34	-8.82K
Dividend Per Share, 1 Yr. Growth %	4.93	4.7	12.82	6.82	6.38
Gross Loans, 1 Yr. Growth %	6.6	79.21	12.84	6.97	3.77
Allowance For Loan Losses, 1 Yr. Growth %	105.28	82.64	-1.36	6.29	-1.55
Net Loans, 1 Yr. Growth %	5.78	78.89	13.13	7.09	3.91
Non Performing Loans, 1 Yr. Growth %	8.66	26.92	-28.86	101.36	22.46
Non Performing Assets, 1 Yr. Growth %	12.1	40.92	-37.83	94.96	21.61
Total Assets, 1 Yr. Growth %	14.39	97.95	2.06	0.58	-3.91
Total Deposits, 1 Yr Growth %	20.94	100.63	-2.16	-1.18	5.19
Tangible Book Value, 1 Yr. Growth %	7.09	100.14	-26.61	32.96	11.88
Average Interest Earning Assets, 1 Yr. Growth %	21.01	32.33	57.84	2.07	-0.73
Average Interest Bearing Liabilities, 1 Yr. Growth %	15.7	29.27	58.98	14.95	0.68
Common Equity, 1 Yr. Growth %	5.46	91.34	-18.43	20.67	8.04
Total Equity, 1 Yr. Growth %	5.12	85.94	-17.85	19.87	7.78
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	9.6	11.34	39.85	29.51	3.09
Non Interest Income, 2 Yr. CAGR %	9.23	16.07	21.04	-30.79	2.03
Provision For Loan Losses, 2 Yr. CAGR %	337.16	859.38	-71.96	-23.88	218.48
Total Revenues, 2 Yr. CAGR %	5.07	6.09	39.92	12.63	1.03
Earnings From Cont. Operations, 2 Yr. CAGR %	1.51	-8.73	42.52	-85.65	8.19
Net Income, 2 Yr. CAGR %	1.51	-8.73	42.52	66.7	6.32
Normalized Net Income, 2 Yr. CAGR %	3.63	-1.05	49.04	-87.73	3.78
Diluted EPS Before Extra, 2 Yr. CAGR %	-2.5	-18.17	7.72	-84.93	8.11
Dividend Per Share, 2 Yr. CAGR %	9.62	4.81	8.68	9.78	6.6
Gross Loans, 2 Yr. CAGR %	7.03	38.31	42.2	9.86	5.3
Allowance For Loan Losses, 2 Yr. CAGR %	42.68	93.63	34.22	2.39	2.3
Net Loans, 2 Yr. CAGR %	6.65	37.56	42.26	10.07	5.49
Non Performing Loans, 2 Yr. CAGR %	11.91	17.44	-4.98	18.55	57.03
Non Performing Assets, 2 Yr. CAGR %	11.82	25.69	-6.4	9.11	53.98
Total Assets, 2 Yr. CAGR %	15.66	50.48	42.14	1.32	-1.69
Total Deposits, 2 Yr CAGR %	18.77	55.77	40.1	-1.67	1.96
Tangible Book Value, 2 Yr. CAGR %	9.45	45.29	21.19	1.25	21.97
Average Interest Earning Assets, 2 Yr. CAGR %	14.96	26.55	44.53	26.93	0.66
Average Interest Bearing Liabilities, 2 Yr. CAGR %	12.62	22.3	43.36	35.18	7.58
Common Equity, 2 Yr. CAGR %	9.72	42.05	24.93	-0.79	14.18
Total Equity, 2 Yr. CAGR %	13.12	39.8	23.59	-0.77	13.66
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	13.38	11.89	27.63	25.06	21.25
Non Interest Income, 3 Yr. CAGR %	7.88	10.27	20.66	-29.81	13.64
Provision For Loan Losses, 3 Yr. CAGR %	206.05	213.05	67.11	-3.51	-19.88
Total Revenues, 3 Yr. CAGR %	8.4	7.04	25.52	7.17	23.66
Earnings From Cont. Operations, 3 Yr. CAGR %	14.22	-4.11	25.52	-74.72	43.08
Net Income, 3 Yr. CAGR %	14.22	-4.11	25.52	33.48	38.95
Normalized Net Income, 3 Yr. CAGR %	8.74	3.32	27.57	-75.55	33.43
Diluted EPS Before Extra, 3 Yr. CAGR %	8.28	-11.61	2.27	-75.34	25.54
Dividend Per Share, 3 Yr. CAGR %	12.02	7.95	7.42	8.06	8.63
Gross Loans, 3 Yr. CAGR %	10.75	27.15	29.23	29.33	7.75
Allowance For Loan Losses, 3 Yr. CAGR %	27.4	54.92	54.64	24.18	1.06
Net Loans, 3 Yr. CAGR %	10.55	26.72	28.88	29.41	7.98
Non Performing Loans, 3 Yr. CAGR %	15.59	16.71	-0.63	21.28	19.84
Non Performing Assets, 3 Yr. CAGR %	16.2	20.78	-0.6	18.82	13.12
Total Assets, 3 Yr. CAGR %	16.33	38.35	32.21	26.66	-0.46
Total Deposits, 3 Yr CAGR %	18.54	41.45	33.4	24.71	0.56
Tangible Book Value, 3 Yr. CAGR %	7.81	33.17	15.71	27.07	4.68
Average Interest Earning Assets, 3 Yr. CAGR %	14.72	20.48	36.22	28.7	16.95
Average Interest Bearing Liabilities, 3 Yr. CAGR %	13.35	17.91	33.47	33.18	22.54
Common Equity, 3 Yr. CAGR %	15.72	32.07	18.07	23.49	2.07
Total Equity, 3 Yr. CAGR %	18.1	33.5	17.1	22.34	2
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	9.66	12.18	23.31	18.63	17.18
Non Interest Income, 5 Yr. CAGR %	4.17	6.59	12.96	-16.23	4.9
Provision For Loan Losses, 5 Yr. CAGR %	45.92	103.05	18.47	77.82	116.29
Total Revenues, 5 Yr. CAGR %	5.42	7.62	19.98	6.26	13.13
Earnings From Cont. Operations, 5 Yr. CAGR %	12.33	8.02	24.8	-55.92	17.45
Net Income, 5 Yr. CAGR %	12.33	8.02	24.8	19.63	17.45
Normalized Net Income, 5 Yr. CAGR %	9.85	8.22	22.87	-56.6	16.63
Diluted EPS Before Extra, 5 Yr. CAGR %	9.77	1.8	8.05	-57.27	3.79
Dividend Per Share, 5 Yr. CAGR %	16.31	11.63	10.67	8.68	7.09
Gross Loans, 5 Yr. CAGR %	7.65	20.02	22.43	19.93	19.07
Allowance For Loan Losses, 5 Yr. CAGR %	14.09	29.26	30.09	31.27	31.08
Net Loans, 5 Yr. CAGR %	7.6	19.86	22.28	19.78	18.96
Non Performing Loans, 5 Yr. CAGR %	5.01	8.59	6.88	17.44	18.87
Non Performing Assets, 5 Yr. CAGR %	3.86	11.24	6.57	15.97	17.99
Total Assets, 5 Yr. CAGR %	11.78	26.49	26.04	22.14	17.43
Total Deposits, 5 Yr CAGR %	11.86	27.78	26.73	22.3	19.8
Tangible Book Value, 5 Yr. CAGR %	5.41	19.72	12.64	19.35	19.35
Average Interest Earning Assets, 5 Yr. CAGR %	10.51	15.72	25.82	23.02	20.69
Average Interest Bearing Liabilities, 5 Yr. CAGR %	9.58	14.4	24.51	24.54	22.44
Common Equity, 5 Yr. CAGR %	9.91	24.13	19.32	17.79	16.5
Total Equity, 5 Yr. CAGR %	11.26	24.94	20.27	18.56	15.71