Financial Ratios Bank of Montreal

Equities

BMO

CA0636711016

Banks

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11:08am	Bank of Canada to Appreciate Moderation in November Core CPI But Food Price Increase Re-Emerge, Says BMO	MT
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Published financial data: BANK OF MONTREAL

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: October	2021	2022	2023	2024	2025
Interest Income On Loans	15.73B	20.46B	40.17B	40.07B	38.75B
Interest Income On Investments	4.16B	6.43B	15.4B	25.92B	24.79B
Interest Income, Total	19.89B	26.9B	55.57B	65.98B	63.54B
Interest On Deposits	3.22B	6.71B	26.55B	34.58B	29.26B
Total Interest On Borrowings	2.36B	4.3B	10.35B	11.94B	12.8B
Interest Expense, Total	5.58B	11.01B	36.89B	46.52B	42.05B
Net Interest Income	14.31B	15.88B	18.68B	19.47B	21.49B
Service Charges On Deposits	1.24B	1.32B	1.52B	1.63B	1.79B
Trust Income	1.98B	1.77B	1.85B	2.06B	2.34B
Income From Trading Activities	296M	8.25B	-216M	2.38B	2.58B
Gain (Loss) on Sale of Assets	-78M	-8M	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	591M	281M	181M	200M	287M
Income (Loss) on Equity Invest. (Income Block)	248M	274M	185M	207M	175M
Total Other Non Interest Income	8.49B	5.92B	9B	6.86B	7.61B
Non Interest Income, Total	12.77B	17.81B	12.52B	13.33B	14.79B
Revenues Before Provison For Loan Losses	27.08B	33.69B	31.2B	32.8B	36.27B
Provision For Loan Losses	20M	313M	2.18B	3.76B	3.62B
Total Revenues	27.06B	33.38B	29.02B	29.03B	32.66B
Salaries And Other Employee Benefits	6.77B	8.04B	10.92B	9.63B	10.17B
Amort. of Goodwill & Intang. Assets	634M	604M	1.02B	1.11B	1.15B
Occupancy Expense	3.09B	3.64B	4.88B	4.12B	4.47B
Selling General & Admin Expenses, Total	3.07B	2.34B	2.93B	3.37B	3.98B
Total Other Non Interest Expense	2.44B	878M	3.42B	1.27B	1.34B
Non Interest Expense, Total	16B	15.5B	23.16B	19.5B	21.11B
EBT, Excl. Unusual Items	11.06B	17.89B	5.86B	9.54B	11.55B
Restructuring Charges	24M	-	-	-	-
Total Merger & Related Restructuring Charges	-9M	-	-	-	-
Impairment of Goodwill	-779M	-	-	-	-
Asset Writedown	-36M	-	-	-	-
EBT, Incl. Unusual Items	10.26B	17.89B	5.86B	9.54B	11.55B
Income Tax Expense	2.5B	4.35B	1.49B	2.21B	2.82B
Earnings From Continuing Operations	7.75B	13.54B	4.38B	7.33B	8.72B
Net Income to Company	7.75B	13.54B	4.38B	7.33B	8.72B
Minority Interest	-	-	-12M	-9M	-16M
Net Income - (IS)	7.75B	13.54B	4.36B	7.32B	8.71B
Preferred Dividend and Other Adjustments	244M	231M	331M	386M	436M
Net Income to Common Incl Extra Items	7.51B	13.31B	4.03B	6.93B	8.27B
Net Income to Common Excl. Extra Items	7.51B	13.31B	4.03B	6.93B	8.27B
Per Share Items
Net EPS - Basic	11.6	20.04	5.69	9.53	11.46
Basic EPS - Continuing Operations	11.6	20.04	5.69	9.53	11.46
Basic Weighted Average Shares Outstanding	647M	664M	709M	728M	722M
Net EPS - Diluted	11.58	19.99	5.68	9.51	11.44
Diluted EPS - Continuing Operations	11.58	19.99	5.68	9.51	11.44
Diluted Weighted Average Shares Outstanding	649M	666M	711M	729M	723M
Normalized Basic EPS	10.68	16.84	5.15	8.18	9.98
Normalized Diluted EPS	10.65	16.79	5.14	8.17	9.96
Dividend Per Share	4.24	5.44	5.8	6.12	6.44
Payout Ratio	38.43	19.17	61.92	52.47	57.77
Supplemental Items
Effective Tax Rate - (Ratio)	24.41	24.32	25.35	23.16	24.46
Total Current Taxes	2.32B	3.87B	2.22B	2.06B	2.81B
Total Deferred Taxes	184M	475M	-732M	153M	12M
Normalized Net Income	6.91B	11.18B	3.65B	5.95B	7.2B
Non-Cash Pension Expense	12M	-26M	-55M	-50M	-62M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	1.57B	760M	597M	1.24B	1.85B
Total Stock-Based Compensation	1.57B	760M	597M	1.24B	1.85B

Fiscal Period: October	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	93.15B	87.38B	77.81B	65.02B	67.38B
Investment Securities, Total	203B	244B	254B	280B	300B
Trading Asset Securities, Total	141B	156B	165B	216B	249B
Mortgage Backed Securities	40.7B	40.29B	63.37B	64.09B	64.8B
Total investments	385B	440B	482B	560B	615B
Gross Loans	461B	554B	661B	682B	682B
Allowance For Loan Losses	-2.56B	-2.62B	-3.81B	-4.36B	-5.05B
Net Loans	459B	552B	657B	678B	677B
Gross Property Plant And Equipment	9.99B	11.18B	13.25B	12.95B	13.21B
Accumulated Depreciation	-5.12B	-6.07B	-6.88B	-6.64B	-6.93B
Net Property Plant And Equipment	4.87B	5.1B	6.36B	6.32B	6.28B
Goodwill	5.38B	5.28B	16.73B	16.77B	16.8B
Other Intangibles, Total	2.27B	2.19B	5.22B	4.92B	4.76B
Accrued Interest Receivable	1.45B	2.73B	4.1B	4.46B	4.48B
Other Receivables	6.96B	7.62B	10.49B	43.72B	56.28B
Restricted Cash	6.55B	13.67B	10.06B	9.5B	11.26B
Other Current Assets, Total	17.31B	16.2B	12.81B	9.84B	7.09B
Deferred Tax Assets Long-Term (Collected)	1.29B	1.18B	3.08B	3.02B	2.73B
Other Real Estate Owned And Foreclosed	11M	13M	-	-	-
Other Long-Term Assets, Total	5.08B	5.83B	7.61B	7.65B	7.92B
Total Assets	988B	1,139B	1,293B	1,410B	1,477B
Liabilities
Accounts Payable, Total	9.44B	11.65B	11.99B	11.31B	12.64B
Accrued Expenses, Total	12.84B	11.2B	16.21B	35.87B	46.66B
Interest Bearing Deposits	319B	292B	360B	415B	450B
Institutional Deposits	236B	315B	386B	411B	376B
Non-Interest Bearing Deposits	93.31B	91.27B	82.46B	78.36B	82.24B
Total Deposits	648B	698B	828B	904B	909B
Short-Term Borrowings	44.65B	102B	103B	110B	102B
Current Portion of Long-Term Debt	102B	111B	111B	113B	149B
Long-Term Debt	51.46B	57.71B	58.92B	72.87B	70.25B
Long-Term Leases	2.74B	2.84B	3.51B	3.33B	3.32B
Current Income Taxes Payable	221M	425M	44M	470M	329M
Accrued Interest Payable	960M	2.32B	5.3B	6.47B	5.09B
Other Current Liabilities - (Bank / Utility Template)	52.83B	59.64B	58.76B	42.63B	64.73B
Pension & Other Post Retirement Benefits	1.23B	920M	1B	1.05B	1.05B
Deferred Tax Liability Non-Current	192M	102M	16M	1M	1M
Other Non Current Liabilities	3.81B	10.46B	18.12B	24.16B	24.93B
Total Liabilities	931B	1,068B	1,216B	1,325B	1,389B
Preferred Stock Redeemable	-	-	-	-	-
Preferred Stock Convertible	3.65B	2.65B	3.3B	2.05B	1.55B
Total Preferred Equity	3.65B	2.65B	3.3B	2.05B	1.55B
Common Stock, Total	13.6B	17.74B	22.94B	23.92B	23.36B
Additional Paid In Capital	313M	317M	328M	354M	373M
Retained Earnings	35.5B	45.12B	44.92B	46.47B	47.38B
Comprehensive Income and Other	4.46B	5.21B	5.52B	11.46B	15.39B
Total Common Equity	53.87B	68.39B	73.71B	82.2B	86.5B
Minority Interest	-	-	28M	36M	49M
Total Equity	57.52B	71.04B	77.04B	84.29B	88.1B
Total Liabilities And Equity	988B	1,139B	1,293B	1,410B	1,477B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	648M	677M	721M	730M	709M
ECS Total Common Shares Outstanding	648M	677M	721M	730M	709M
Book Value / Share	83.12	101	102.24	112.68	122.02
Tangible Book Value	46.23B	60.91B	51.76B	60.5B	64.95B
Tangible Book Value Per Share	71.33	89.96	71.81	82.93	91.61
Average Assets	981B	1,072B	1,248B	1,369B	1,481B
Average Loans	450B	504B	613B	655B	680B
Total Debt	201B	273B	276B	299B	325B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-809M	-1.18B	-1.05B	-1.07B	-1.13B
Net Debt	-149B	-89.46B	-85.72B	-96.33B	-124B
Equity Method Investments, Total	1.14B	1.29B	1.46B	1.73B	1.79B
Full Time Employees	43.86K	46.72K	55.77K	53.6K	53.23K
Number Of Offices	1.4K	1.38K	1.89K	1.86K	1.83K
Assets under Capital Lease - Gross	-	-	-	-	-

Fiscal Period: October	2021	2022	2023	2024	2025
Net Income	7.75B	13.54B	4.36B	7.32B	8.71B
Depreciation, Depletion & Amortization	931M	876M	1.08B	998M	1.03B
Amortization of Goodwill and Intangible Assets - (CF)	104M	48M	362M	436M	413M
Total Depreciation, Depletion & Amortization	1.04B	924M	1.45B	1.43B	1.44B
Amortization of Deferred Charges, Total	530M	556M	653M	676M	739M
(Gain) Loss On Sale of Asset - (CF)	-	29M	-	-	-
(Gain) Loss on Sale of Investments - (CF)	-591M	-281M	-181M	-200M	-287M
Total Asset Writedown	779M	-	-	-	178M
Provision for Credit Losses	20M	313M	2.18B	3.76B	3.62B
(Income) Loss On Equity Investments - (CF)	-	-	-	-207M	-175M
Change in Trading Asset Securities	-9.9B	-11.68B	-190M	-42.78B	-29.3B
Changes in Accrued Interest Receivable	75M	-1.17B	1.95B	785M	-1.4B
Changes in Accrued Interest Payable	-366M	1.31B	-	-	-
Change In Income Taxes	-396M	484M	-990M	257M	104M
Change In Deferred Taxes	212M	-	-	-	-
Change in Other Net Operating Assets (Collected)	-7.34B	-44.78B	-37.51B	-10.61B	39.82B
Other Operating Activities	-	475M	-720M	162M	28M
Cash from Operations	-8.2B	-40.28B	-29B	-39.41B	23.47B
Capital Expenditure	-484M	-777M	-885M	-1.56B	-720M
Cash Acquisitions	-	-	-15.1B	-	-
Divestitures	63M	1.23B	-	-	-
Purchase / Sale of Intangible Assets	-499M	-671M	-792M	-	-1.01B
Investment in Marketable and Equity Securities, Total	621M	-29.25B	-4.38B	-22.96B	2.33B
Cash from Investing	-299M	-29.47B	-21.16B	-24.53B	605M
Short Term Debt Issued, Total	-	6.93B	2.07B	-	1.25B
Long-Term Debt Issued, Total	5.4B	14.78B	9.18B	1B	-
Total Debt Issued	5.4B	21.71B	11.24B	1B	1.25B
Short Term Debt Repaid, Total	-	-	-	-12.07B	-2.2B
Long-Term Debt Repaid, Total	-6.65B	-6.97B	-12.28B	-3.68B	-321M
Total Debt Repaid	-6.65B	-6.97B	-12.28B	-15.76B	-2.52B
Issuance of Common Stock	159M	3.11B	3.35B	68M	158M
Repurchase of Common Stock	-	-17M	-	-	-3.4B
Issuance of Preferred Stock	-	2.24B	648M	2.37B	1.36B
Repurchase of Preferred Stock	-1.05B	-1.5B	-	-1.25B	-500M
Common & Preferred Stock Dividends Paid	-2.98B	-2.6B	-2.7B	-3.84B	-5.03B
Common & Preferred Stock Dividends Paid	-2.98B	-2.6B	-2.7B	-3.84B	-5.03B
Net Increase (Decrease) in Deposit Accounts - (CF)	52.24B	45.23B	38.59B	68.44B	-13.23B
Other Financing Activities, Total	-	-	-	-3M	-3M
Cash from Financing	47.12B	61.21B	38.86B	51.03B	-21.91B
Foreign Exchange Rate Adjustments	-2.78B	2.74B	1.77B	75M	214M
Net Change in Cash	35.85B	-5.8B	-9.53B	-12.84B	2.39B
Supplemental Items
Cash Interest Paid	5.86B	9.56B	33.75B	45.09B	43.14B
Cash Income Tax Paid (Refund)	2.17B	2.37B	2.59B	2.45B	2.83B
Net Debt Issued / Repaid	-1.26B	14.73B	-1.03B	-14.76B	-1.27B

Fiscal Period: October	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.8	1.27	0.36	0.53	0.6
Return On Equity %	13.59	21.06	5.91	9.14	10.12
Return on Common Equity	14.2	21.77	5.68	8.94	9.81
Shareholders Value Added	1.5B	6.25B	-3.8B	-1.55B	-1B
Margin Analysis
SG&A Margin	47.78	41.98	64.52	58.96	57
Net Interest Income / Total Revenues %	52.88	47.59	64.37	67.05	65.8
EBT Excl. Non-Recurring Items Margin %	40.87	53.58	20.2	32.84	35.37
Income From Continuing Operations Margin %	28.66	40.55	15.08	25.24	26.72
Net Income Margin %	28.66	40.55	15.04	25.2	26.67
Net Avail. For Common Margin %	27.75	39.86	13.9	23.88	25.33
Normalized Net Income Margin	25.54	33.49	12.59	20.49	22.06
Asset quality
Nonperforming Loans / Total Loans %	0.47	0.36	0.6	0.86	1.04
Nonperforming Loans / Total Assets %	0.22	0.17	0.31	0.41	0.48
Nonperforming Assets / Total Assets %	0.22	0.18	0.31	0.42	0.48
NPAs / Loans and OREO	0.47	0.36	0.6	0.87	1.05
NPAs / Equity	3.79	2.82	5.16	7.01	8.11
Allowance for Credit Losses / Net Charge-offs %	415.56	659.19	412.01	168.64	220.62
Allowance for Credit Losses / Nonperforming Loans %	118.21	131.44	96.14	74.55	71.22
Allowance for Credit Losses / Total Loans %	0.56	0.47	0.58	0.64	0.74
Net Charge-offs / Total Average Loans %	0.14	0.08	0.15	0.39	0.34
Provision for Loan Losses / Net Charge-offs %	3.24	78.84	235.71	145.61	158.02
Earning Assets / IBL	115.99	116.55	116.66	112.88	112.22
Interest Income / Average Assets	2.03	2.51	4.45	4.82	4.29
Interest Expense / Average Assets	0.57	1.03	2.96	3.4	2.84
Net Interest Income / Average Assets	1.46	1.48	1.5	1.42	1.45
Non Interest Income / Average Assets	1.3	1.66	1	0.97	1
Non Interest Expense / Average Asset	1.63	1.44	1.86	1.42	1.43
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.46	5.75	5.84	5.62	5.84
Total Average Equity / Total Average Assets %	5.89	6.04	6.09	5.82	5.97
Total Equity + Allowance for Loan Losses / Total Loans %	13.03	13.29	12.23	12.98	13.65
Gross Loans / Total Deposits %	71.14	79.38	79.75	75.48	75.09
Net Loans / Total Deposits %	70.74	79	79.29	75	74.53
Tier 1 Capital Ratio %	15.4	18.4	14.1	15.4	15
Total Capital Ratio %	17.6	20.7	16.2	17.6	17.3
Core Tier 1 Capital Ratio	13.7	16.7	12.5	13.6	13.3
Tier 2 Capital Ratio	2.22	2.25	2.11	2.18	2.21
Coverage Ratio	118.21	131.44	96.14	74.55	71.22
Interbank Ratio	93.17	-	112.89	103.39	97.99
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	5.35	5.16	1.57	1.8	1.9
EBT + Interest Expense / Interest Expense	2.84	2.62	1.16	1.2	1.27
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	2.43	11.01	17.6	4.21	10.37
Non Interest Income, 1 Yr. Growth %	13.86	39.47	-29.71	25.99	10.96
Provision For Loan Losses, 1 Yr. Growth %	-99.32	1.46K	595.85	72.68	-3.83
Total Revenues, 1 Yr. Growth %	21.71	23.36	-13.06	7.21	12.48
Earnings From Cont. Operations, 1 Yr. Growth %	52.13	74.58	-67.67	65.13	19.08
Net Income, 1 Yr. Growth %	52.13	74.58	-67.76	65.38	19.01
Normalized Net Income, 1 Yr. Growth %	73.84	62.05	-67.33	60.61	21.05
Diluted EPS Before Extra, 1 Yr. Growth %	53.38	72.63	-71.59	65.1	20.29
Dividend Per Share, 1 Yr. Growth %	0	28.3	6.62	5.52	5.23
Gross Loans, 1 Yr. Growth %	2.28	20.19	19.2	3.32	-0.02
Allowance For Loan Losses, 1 Yr. Growth %	-22.37	2.07	45.47	14.42	15.93
Net Loans, 1 Yr. Growth %	2.47	20.29	19.07	3.25	-0.13
Non Performing Loans, 1 Yr. Growth %	-40.38	-8.21	98.9	47.55	21.36
Non Performing Assets, 1 Yr. Growth %	-40.52	-8.07	98.5	48.57	20.86
Total Assets, 1 Yr. Growth %	4.1	15.28	13.52	4.65	4.76
Total Deposits, 1 Yr Growth %	3.57	7.71	18.64	8.97	0.5
Tangible Book Value, 1 Yr. Growth %	7.69	31.76	-15.01	18.98	7.35
Average Interest Earning Assets, 1 Yr. Growth %	5.15	9.14	16.98	7.97	5.6
Average Interest Bearing Liabilities, 1 Yr. Growth %	3.55	8.3	18.38	11.62	6.11
Common Equity, 1 Yr. Growth %	3.8	26.94	7.78	12.92	5.23
Total Equity, 1 Yr. Growth %	1.64	23.49	8.44	10.72	4.52
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	5.37	6.63	14.26	10.7	7.25
Non Interest Income, 2 Yr. CAGR %	0.69	26.01	-0.99	-13.49	18.23
Provision For Loan Losses, 2 Yr. CAGR %	-84.86	-67.44	943.55	246.64	28.87
Total Revenues, 2 Yr. CAGR %	4.86	22.53	3.56	-6.74	9.81
Earnings From Cont. Operations, 2 Yr. CAGR %	16.05	62.97	-24.87	-26.43	40.23
Net Income, 2 Yr. CAGR %	16.05	62.97	-24.97	-26.48	40.29
Normalized Net Income, 2 Yr. CAGR %	19.31	67.68	-27.24	-27.04	39.43
Diluted EPS Before Extra, 2 Yr. CAGR %	15.64	62.72	-29.96	-31.03	40.93
Dividend Per Share, 2 Yr. CAGR %	2.19	13.27	16.96	6.07	5.37
Gross Loans, 2 Yr. CAGR %	3.79	10.87	19.69	10.96	1.63
Allowance For Loan Losses, 2 Yr. CAGR %	17.73	-10.99	21.85	29.02	15.17
Net Loans, 2 Yr. CAGR %	3.72	11.02	19.68	10.86	1.55
Non Performing Loans, 2 Yr. CAGR %	-9.17	-26.02	35.12	71.31	33.82
Non Performing Assets, 2 Yr. CAGR %	-9.88	-26.05	35.08	71.73	34
Total Assets, 2 Yr. CAGR %	7.68	9.55	14.4	11.24	4.71
Total Deposits, 2 Yr CAGR %	10.27	5.62	13.04	13.78	4.65
Tangible Book Value, 2 Yr. CAGR %	10.85	19.12	5.82	-0.34	13.01
Average Interest Earning Assets, 2 Yr. CAGR %	8.7	7.13	12.99	12.4	6.72
Average Interest Bearing Liabilities, 2 Yr. CAGR %	7.81	6.05	12.5	14.95	8.83
Common Equity, 2 Yr. CAGR %	7.77	14.79	16.97	9.63	9.01
Total Equity, 2 Yr. CAGR %	6.12	12.04	15.73	8.93	7.58
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	7.75	7.22	10.17	10.81	10.59
Non Interest Income, 3 Yr. CAGR %	3.65	12.24	3.73	1.44	-6.01
Provision For Loan Losses, 3 Yr. CAGR %	-68.86	-28.93	-9.65	472.92	126.08
Total Revenues, 3 Yr. CAGR %	6.75	10.69	9.29	2.38	-0.73
Earnings From Cont. Operations, 3 Yr. CAGR %	12.45	32.97	-4.95	-1.87	-13.62
Net Income, 3 Yr. CAGR %	12.45	32.97	-5.04	-1.91	-13.67
Normalized Net Income, 3 Yr. CAGR %	14.25	32.05	-2.79	-4.81	-13.63
Diluted EPS Before Extra, 3 Yr. CAGR %	12.33	32.16	-9.05	-6.35	-16.98
Dividend Per Share, 3 Yr. CAGR %	3.9	10.24	11.01	13.01	5.79
Gross Loans, 3 Yr. CAGR %	6.12	8.99	13.58	13.95	7.17
Allowance For Loan Losses, 3 Yr. CAGR %	16.09	12.26	4.85	19.32	24.5
Net Loans, 3 Yr. CAGR %	6.08	8.97	13.64	13.92	7.07
Non Performing Loans, 3 Yr. CAGR %	3.86	-8.85	2.87	39.14	52.71
Non Performing Assets, 3 Yr. CAGR %	3.02	-9.28	2.77	39.44	52.75
Total Assets, 3 Yr. CAGR %	8.52	10.16	10.86	12.57	9.04
Total Deposits, 3 Yr CAGR %	10.03	9.41	9.79	11.72	9.17
Tangible Book Value, 3 Yr. CAGR %	12.19	17.42	6.44	9.38	2.16
Average Interest Earning Assets, 3 Yr. CAGR %	9.53	8.85	10.32	11.3	10.04
Average Interest Bearing Liabilities, 3 Yr. CAGR %	8.9	8.08	9.54	12.21	11.92
Common Equity, 3 Yr. CAGR %	9.19	13.81	12.4	15.12	8.15
Total Equity, 3 Yr. CAGR %	7.95	11.62	10.83	13.58	7.44
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	7.71	7.1	10.31	8.6	8.99
Non Interest Income, 5 Yr. CAGR %	2.63	10.46	1.77	1.14	5.69
Provision For Loan Losses, 5 Yr. CAGR %	-51.83	-15.95	26.89	33.95	4.14
Total Revenues, 5 Yr. CAGR %	5.9	9.34	5.46	3.36	7.99
Earnings From Cont. Operations, 5 Yr. CAGR %	10.86	20.45	-4.3	4.94	11.35
Net Income, 5 Yr. CAGR %	10.9	20.46	-4.35	4.91	11.31
Normalized Net Income, 5 Yr. CAGR %	14.1	21.96	-4.65	4.15	12.62
Diluted EPS Before Extra, 5 Yr. CAGR %	10.85	20.4	-7.01	1.89	8.67
Dividend Per Share, 5 Yr. CAGR %	4.51	8.85	8.94	8.55	8.72
Gross Loans, 5 Yr. CAGR %	5.03	8.98	11.35	9.77	8.64
Allowance For Loan Losses, 5 Yr. CAGR %	5.9	7.38	18.36	18.68	8.86
Net Loans, 5 Yr. CAGR %	5.02	8.99	11.32	9.73	8.63
Non Performing Loans, 5 Yr. CAGR %	-1.44	-2.15	15.39	17.32	14.28
Non Performing Assets, 5 Yr. CAGR %	-1.97	-2.5	14.81	17.1	14.28
Total Assets, 5 Yr. CAGR %	7.51	9.93	10.83	10.59	9.24
Total Deposits, 5 Yr CAGR %	7.9	9.3	11.22	11.14	7.73
Tangible Book Value, 5 Yr. CAGR %	9.1	13.95	9.6	9.97	8.63
Average Interest Earning Assets, 5 Yr. CAGR %	7.58	8.65	10.9	10.25	8.87
Average Interest Bearing Liabilities, 5 Yr. CAGR %	6.98	8.13	10.39	10.49	9.25
Common Equity, 5 Yr. CAGR %	6.97	11.26	12.24	12.12	10.76
Total Equity, 5 Yr. CAGR %	6.33	9.88	11	10.54	9.26