Cash flow Citigroup Inc.

Equities

C

US1729674242

Investment Banking & Brokerage Services

Market Closed - Nyse Other stock markets 16:00:02 2025-07-14 EDT			Pre-market 06:40:52
87.50 ^USD	+0.89%		88.36	+0.98%

04:27am	Global Markets Mixed Ahead of Major Bank Earnings	DJ
12:33am	US earnings to shed light on tariff impact	RE

4977f7f57.aB3_1_q2bg_fVy-2lijijRmOI4j3u204GVipGcORH0I.W0WMv8vCPmmXMlrT_kCgtEC2YMG20ThdTznnSaj7agEGUMvg188gd4YeYg

Published financial data: CITIGROUP INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	58.09B	50.48B	74.41B	133B	144B
Interest Income, Total	58.09B	50.48B	74.41B	133B	144B
Interest On Deposits	14.54B	7.98B	25.74B	78.36B	89.62B
Interest Expense, Total	14.54B	7.98B	25.74B	78.36B	89.62B
Net Interest Income	43.55B	42.49B	48.67B	54.9B	54.1B
Trust Income	3.47B	3.94B	3.78B	3.78B	4.13B
Income From Trading Activities	13.88B	10.15B	14.16B	10.95B	11.65B
Gain (Loss) on Sale of Assets	-	-700M	55M	1.56B	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	1.58B	459M	-460M	-115M	-152M
Total Other Non Interest Income	11.8B	15.54B	9.1B	7.41B	11.36B
Non Interest Income, Total	30.74B	29.39B	26.64B	23.59B	26.99B
Revenues Before Provison For Loan Losses	74.29B	71.89B	75.3B	78.49B	81.09B
Provision For Loan Losses	15.92B	-3.1B	4.74B	7.79B	9.73B
Total Revenues	58.37B	74.99B	70.56B	70.7B	71.36B
Salaries And Other Employee Benefits	20.75B	23.45B	24.82B	27.41B	26.76B
Occupancy Expense	1.28B	1.25B	1.27B	1.46B	1.39B
Selling General & Admin Expenses, Total	11.12B	12.06B	13.03B	13.37B	14.98B
Total Other Non Interest Expense	11.59B	10.76B	12.64B	14.77B	10.7B
Non Interest Expense, Total	44.74B	47.52B	51.75B	57.01B	53.84B
EBT, Excl. Unusual Items	13.63B	27.47B	18.81B	13.69B	17.52B
Restructuring Charges	-	-	-	-781M	-269M
Other Unusual Items	-	-	-	-	-210M
EBT, Incl. Unusual Items	13.63B	27.47B	18.81B	12.91B	17.05B
Income Tax Expense	2.52B	5.45B	3.64B	3.53B	4.21B
Earnings From Continuing Operations	11.11B	22.02B	15.16B	9.38B	12.84B
Earnings Of Discontinued Operations	-20M	7M	-231M	-1M	-2M
Net Income to Company	11.09B	22.02B	14.93B	9.38B	12.83B
Minority Interest	-40M	-73M	-89M	-153M	-151M
Net Income - (IS)	11.05B	21.95B	14.84B	9.23B	12.68B
Preferred Dividend and Other Adjustments	1.17B	1.19B	1.14B	1.38B	1.22B
Net Income to Common Incl Extra Items	9.88B	20.76B	13.7B	7.85B	11.46B
Net Income to Common Excl. Extra Items	9.9B	20.75B	13.93B	7.85B	11.46B
Per Share Items
Net EPS - Basic	4.74	10.21	7.04	4.07	6.03
Basic EPS - Continuing Operations	4.75	10.21	7.16	4.07	6.03
Basic Weighted Average Shares Outstanding	2.09B	2.03B	1.95B	1.93B	1.9B
Net EPS - Diluted	4.72	10.14	7	4.04	5.94
Diluted EPS - Continuing Operations	4.73	10.14	7.11	4.04	5.95
Diluted Weighted Average Shares Outstanding	2.1B	2.05B	1.96B	1.96B	1.94B
Normalized Basic EPS	4.07	8.41	5.99	4.35	5.68
Normalized Diluted EPS	4.04	8.34	5.94	4.3	5.57
Dividend Per Share	2.04	2.04	2.04	2.08	2.18
Payout Ratio	48.45	23.68	33.7	56.48	41
American Depositary Receipts Ratio (ADR)	0.17	0.17	0.17	0.17	0.17
Supplemental Items
Effective Tax Rate - (Ratio)	18.52	19.84	19.37	27.33	24.7
Current Domestic Taxes	745M	750M	677M	137M	162M
Current Foreign Taxes	4.11B	3.29B	4.11B	5.81B	5.94B
Total Current Taxes	4.86B	4.04B	4.78B	5.94B	6.11B
Deferred Domestic Taxes	-1.64B	1.4B	-1.49B	-1.98B	-1.08B
Deferred Foreign Taxes	-690M	8M	353M	-432M	-816M
Total Deferred Taxes	-2.33B	1.41B	-1.14B	-2.42B	-1.9B
Normalized Net Income	8.48B	17.1B	11.67B	8.4B	10.8B
Non-Cash Pension Expense	-135M	-10M	85M	174M	215M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	1.46B	1.68B	1.84B	1.82B	1.78B
Total Stock-Based Compensation	1.46B	1.68B	1.84B	1.82B	1.78B

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	282B	235B	325B	242B	19.46B
Investment Securities, Total	647B	741B	789B	754B	885B
Trading Asset Securities, Total	206B	198B	201B	215B	249B
Mortgage Backed Securities	95.49B	99.31B	103B	111B	104B
Total investments	948B	1,038B	1,093B	1,079B	1,238B
Gross Loans	677B	669B	658B	690B	695B
Allowance For Loan Losses	-24.96B	-16.46B	-16.97B	-18.14B	-18.57B
Other Adjustments to Gross Loans	-844M	-799M	-797M	-917M	-969M
Net Loans	651B	651B	640B	671B	676B
Net Property Plant And Equipment	2.8B	2.9B	26.25B	28.75B	30.19B
Goodwill	22.16B	21.3B	19.69B	20.1B	19.3B
Other Intangibles, Total	4.41B	4.09B	3.76B	3.73B	3.73B
Accrued Interest Receivable	-	-	5B	5B	5B
Other Receivables	44.81B	54.34B	54.19B	53.92B	50.84B
Restricted Cash	27.38B	27.12B	18.78B	22.92B	26.74B
Other Current Assets, Total	169B	145B	134B	197B	193B
Deferred Tax Assets Long-Term (Collected)	30.99B	29.81B	33.35B	35.48B	34.77B
Other Real Estate Owned And Foreclosed	43M	27M	15M	36M	18M
Other Long-Term Assets, Total	77.19B	82.32B	64.24B	52.23B	55.98B
Total Assets	2,260B	2,291B	2,417B	2,412B	2,353B
Liabilities
Accrued Expenses, Total	50.48B	61.43B	69.22B	63.54B	66.6B
Interest Bearing Deposits	1,029B	979B	936B	888B	903B
Institutional Deposits	24.04B	82.14B	213B	220B	174B
Non-Interest Bearing Deposits	227B	256B	218B	201B	208B
Total Deposits	1,281B	1,317B	1,366B	1,309B	1,284B
Short-Term Borrowings	297B	275B	309B	366B	352B
Current Portion of Long-Term Debt	50.82B	32.99B	32.46B	48.49B	41.88B
Current Portion of Leases	791M	763M	704M	728M	709M
Long-Term Debt	216B	220B	235B	232B	242B
Federal Home Loan Bank Debt - Long-Term	3.4B	-	3B	4.5B	2B
Long-Term Leases	2.3B	2.35B	2.37B	2.25B	2.3B
Trust Preferred Securities (BS)	1.73B	1.73B	1.61B	1.61B	1.62B
Other Current Liabilities - (Bank / Utility Template)	100B	115B	111B	106B	86.23B
Deferred Tax Liability Non-Current	-	-	5.68B	5.88B	4.92B
Other Non Current Liabilities	56.9B	62.67B	79.12B	65.81B	59.5B
Total Liabilities	2,060B	2,089B	2,215B	2,206B	2,144B
Preferred Stock Redeemable	17.23B	16.74B	16.74B	17.6B	17.85B
Preferred Stock Convertible	2.25B	2.25B	2.25B	-	-
Total Preferred Equity	19.48B	19B	19B	17.6B	17.85B
Common Stock, Total	31M	31M	31M	31M	31M
Additional Paid In Capital	108B	108B	108B	109B	109B
Retained Earnings	168B	185B	195B	199B	206B
Treasury Stock	-64.13B	-71.24B	-73.97B	-75.24B	-76.84B
Comprehensive Income and Other	-32.06B	-38.76B	-47.06B	-44.8B	-47.85B
Total Common Equity	180B	183B	182B	188B	191B
Minority Interest	758M	700M	649M	798M	768M
Total Equity	200B	203B	202B	206B	209B
Total Liabilities And Equity	2,260B	2,291B	2,417B	2,412B	2,353B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	2.09B	1.98B	1.94B	1.91B	1.88B
ECS Total Common Shares Outstanding	2.08B	1.98B	1.94B	1.9B	1.88B
Book Value / Share	86.43	92.21	94.06	98.71	101.62
Tangible Book Value	153B	158B	159B	164B	168B
Tangible Book Value Per Share	73.67	79.41	81.95	86.19	89.35
Tangible Book Value Per Share (As Reported)	73.67	79.16	81.65	86.19	89.34
Average Assets	2,226B	2,348B	2,396B	2,442B	2,468B
Average Loans	685B	668B	653B	661B	683B
Total Debt	572B	532B	584B	656B	642B
Federal Funds Sold	-	-	-	-	-
Debt Equivalent of Unfunded Proj. Benefit Obligation	1.3B	176M	-115M	34M	-897M
Net Debt	-211B	-228B	-307B	-146B	-139B
Full Time Employees	210K	220K	236K	237K	227K
Part Time Employees	3.15K	3.35K	3.6K	2.15K	2.29K

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	11.05B	21.95B	14.84B	9.23B	12.68B
Depreciation, Depletion & Amortization	3.52B	3.6B	3.91B	4.19B	3.94B
Amortization of Goodwill and Intangible Assets - (CF)	419M	360M	352M	370M	371M
Total Depreciation, Depletion & Amortization	3.94B	3.96B	4.26B	4.56B	4.31B
Amortization of Deferred Charges, Total	-	-	-	-	-
Minority Interest in Earnings - (CF)	-40M	-73M	-89M	-153M	-151M
(Gain) Loss On Sale of Asset - (CF)	-	700M	-762M	-1.46B	-
(Gain) Loss on Sale of Investments - (CF)	-1.59B	-459M	432M	135M	103M
Total Asset Writedown	-	-	535M	-	-
Restructuring Activities	-	-	-	-	-
Provision for Credit Losses	17.37B	-3.89B	5.04B	9.19B	10.11B
Change in Trading Asset Securities	-99B	43.06B	-2.27B	-77.84B	-31.17B
Change in Other Net Operating Assets (Collected)	49.93B	-5.48B	3.9B	-14.81B	-13.81B
Other Operating Activities	-2.29B	1.49B	-1.05B	-2.26B	-1.74B
Net Cash From Discontinued Operations	20M	-7M	231M	1M	2M
Cash from Operations	-20.62B	61.25B	25.07B	-73.42B	-19.67B
Capital Expenditure	-3.45B	-4.12B	-5.63B	-6.58B	-6.5B
Sale of Property, Plant, and Equipment	50M	190M	63M	56M	222M
Divestitures	-	-	5.74B	-1.39B	-
Investment in Marketable and Equity Securities, Total	-108B	-123B	-66.95B	38.35B	106B
Net (Increase) Decrease in Loans Originated / Sold - Investing	15.74B	1.74B	-11.88B	-39.72B	-15.84B
Other Investing Activities, Total	116M	185M	-791M	835M	2.51B
Cash from Investing	-95.31B	-125B	-79.46B	-8.46B	86.25B
Short Term Debt Issued, Total	33.19B	-	30.28B	75.66B	11.05B
Long-Term Debt Issued, Total	76.46B	70.66B	105B	65.82B	99.08B
Total Debt Issued	110B	70.66B	135B	141B	110B
Short Term Debt Repaid, Total	-15.54B	-9.78B	-	-9.64B	-23.35B
Long-Term Debt Repaid, Total	-63.4B	-74.95B	-57.08B	-64.96B	-92.96B
Total Debt Repaid	-78.94B	-84.73B	-57.08B	-74.6B	-116B
Repurchase of Common Stock	-3.34B	-7.94B	-3.59B	-2.31B	-2.93B
Issuance of Preferred Stock	3B	3.3B	-	2.74B	5.28B
Repurchase of Preferred Stock	-1.5B	-3.78B	-	-4.14B	-5.05B
Common Dividends Paid	-5.35B	-	-	-	-
Preferred Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-	-5.2B	-5B	-5.21B	-5.2B
Common & Preferred Stock Dividends Paid	-5.35B	-5.2B	-5B	-5.21B	-5.2B
Net Increase (Decrease) in Deposit Accounts - (CF)	210B	44.97B	68.42B	-57.27B	-24.22B
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	234B	17.27B	138B	687M	-38.3B
Foreign Exchange Rate Adjustments	-1.97B	-1.2B	-3.38B	95M	-12.68B
Net Change in Cash	116B	-47.58B	79.99B	-81.09B	15.6B
Supplemental Items
Cash Interest Paid	13.3B	7.14B	22.62B	72.99B	88.03B
Cash Income Tax Paid (Refund)	4.8B	4.03B	3.73B	5.73B	5.8B
Net Debt Issued / Repaid	30.71B	-14.07B	77.94B	66.88B	-6.19B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.53	0.97	0.64	0.39	0.54
Return On Equity %	5.64	10.93	7.5	4.6	6.18
Return on Common Equity	5.57	11.43	7.63	4.24	6.05
Shareholders Value Added	-9.85B	536M	-6.71B	-12.12B	-9.49B
Margin Analysis
SG&A Margin	56.79	49.03	55.44	59.74	60.44
Net Interest Income / Total Revenues %	74.61	56.67	68.97	77.65	75.8
EBT Excl. Non-Recurring Items Margin %	23.35	36.63	26.65	19.36	24.56
Income From Continuing Operations Margin %	19.03	29.36	21.49	13.27	17.99
Net Income Margin %	18.93	29.27	21.04	13.05	17.77
Net Avail. For Common Margin %	16.96	27.67	19.74	11.1	16.06
Normalized Net Income Margin	14.53	22.8	16.53	11.89	15.14
Asset quality
Nonperforming Loans / Total Loans %	0.84	0.51	0.37	0.46	0.39
Nonperforming Loans / Total Assets %	0.25	0.15	0.1	0.13	0.11
Nonperforming Assets / Total Assets %	0.25	0.15	0.1	0.13	0.11
NPAs / Loans and OREO	0.84	0.51	0.37	0.47	0.39
NPAs / Equity	2.85	1.68	1.22	1.57	1.29
Allowance for Credit Losses / Net Charge-offs %	327.89	336.16	447.98	281.89	206.38
Allowance for Credit Losses / Nonperforming Loans %	440.3	486.98	695.94	567.56	691.25
Allowance for Credit Losses / Total Loans %	3.69	2.46	2.58	2.63	2.67
Net Charge-offs / Total Average Loans %	1.11	0.73	0.58	0.97	1.32
Provision for Loan Losses / Net Charge-offs %	209.2	-63.39	125.23	120.96	108.07
Earning Assets / IBL	122.46	124.52	125.03	123.99	123.68
Interest Income / Average Assets	2.61	2.15	3.11	5.46	5.82
Interest Expense / Average Assets	0.65	0.34	1.07	3.21	3.63
Net Interest Income / Average Assets	1.96	1.81	2.03	2.25	2.19
Non Interest Income / Average Assets	1.38	1.25	1.11	0.97	1.09
Non Interest Expense / Average Asset	2.01	2.02	2.16	2.33	2.18
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.44	7.97	7.76	7.66	7.95
Total Average Equity / Total Average Assets %	9.36	8.85	8.59	8.45	8.72
Total Equity + Allowance for Loan Losses / Total Loans %	33.16	32.67	33.15	32.39	32.67
Gross Loans / Total Deposits %	52.84	50.76	48.17	52.75	54.14
Net Loans / Total Deposits %	50.83	49.45	46.87	51.29	52.62
Tier 1 Capital Ratio %	13.31	13.91	13.85	13.6	13.63
Total Capital Ratio %	15.61	16.72	15.46	15.13	15.42
Core Tier 1 Capital Ratio	11.73	12.25	12.19	12.11	12.14
Tier 2 Capital Ratio	2.3	2.81	1.61	1.53	1.78
Equity Tier 1 Capital Ratio	12.22	12.88	12.95	12.93	13.1
Coverage Ratio	299.74	296.06	419.84	935.31	1.23K
Leverage Ratio %	7.37	7.21	7.06	7.2	7.17
Interbank Ratio	303.17	337.78	369.37	220.7	-
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.94	4.44	1.73	1.16	1.19
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-8.02	-5.04	14.53	12.81	-1.47
Non Interest Income, 1 Yr. Growth %	14.12	-4.39	-9.38	-11.45	14.45
Provision For Loan Losses, 1 Yr. Growth %	93.75	-119.49	-252.92	64.09	24.92
Total Revenues, 1 Yr. Growth %	-11.65	25.88	-5.91	0.2	0.94
Earnings From Cont. Operations, 1 Yr. Growth %	-42.96	98.24	-31.12	-38.13	36.8
Net Income, 1 Yr. Growth %	-43.06	98.71	-32.38	-37.84	37.43
Normalized Net Income, 1 Yr. Growth %	-42.98	101.59	-31.76	-27.96	14.12
Diluted EPS Before Extra, 1 Yr. Growth %	-41.15	114.37	-29.86	-43.16	47.03
Dividend Per Share, 1 Yr. Growth %	6.25	0	0	1.96	4.81
Gross Loans, 1 Yr. Growth %	-3.37	-1.21	-1.57	4.9	0.75
Allowance For Loan Losses, 1 Yr. Growth %	95.23	-34.06	3.15	6.9	2.36
Net Loans, 1 Yr. Growth %	-5.21	0.06	-1.7	4.84	0.7
Non Performing Loans, 1 Yr. Growth %	41.56	-40.38	-27.82	31.08	-15.95
Non Performing Assets, 1 Yr. Growth %	40.49	-40.36	-27.95	31.74	-16.33
Total Assets, 1 Yr. Growth %	15.83	1.39	5.47	-0.2	-2.44
Total Deposits, 1 Yr Growth %	19.62	2.85	3.7	-4.19	-1.85
Tangible Book Value, 1 Yr. Growth %	3.08	2.74	0.73	3.33	2.25
Average Interest Earning Assets, 1 Yr. Growth %	12.72	5.87	1.34	2.84	1.22
Average Interest Bearing Liabilities, 1 Yr. Growth %	13.87	4.12	0.93	3.69	1.47
Common Equity, 1 Yr. Growth %	2.68	1.68	-0.43	3.11	1.54
Total Equity, 1 Yr. Growth %	3.22	1.23	-0.41	2.19	1.51
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-3.29	-6.04	4.28	13.66	5.43
Non Interest Income, 2 Yr. CAGR %	8.13	4.46	-6.92	-10.42	0.67
Provision For Loan Losses, 2 Yr. CAGR %	47.14	-38.55	-45.41	58.4	43.17
Total Revenues, 2 Yr. CAGR %	-5.6	5.91	8.83	-2.9	0.57
Earnings From Cont. Operations, 2 Yr. CAGR %	-21.64	6.34	16.85	-34.72	-8
Net Income, 2 Yr. CAGR %	-21.76	6.37	15.92	-35.16	-7.57
Normalized Net Income, 2 Yr. CAGR %	-23.84	7.21	17.29	-29.89	-3.68
Diluted EPS Before Extra, 2 Yr. CAGR %	-15.91	12.32	22.62	-36.85	-8.58
Dividend Per Share, 2 Yr. CAGR %	15.09	3.08	0	0.98	3.37
Gross Loans, 2 Yr. CAGR %	-0.61	-2.29	-1.39	1.61	2.81
Allowance For Loan Losses, 2 Yr. CAGR %	42.35	13.46	-17.53	5.01	4.61
Net Loans, 2 Yr. CAGR %	-1.57	-2.61	-0.82	1.52	2.75
Non Performing Loans, 2 Yr. CAGR %	26.59	-8.14	-34.4	-2.73	4.96
Non Performing Assets, 2 Yr. CAGR %	25.33	-8.46	-34.45	-2.57	4.99
Total Assets, 2 Yr. CAGR %	8.57	8.37	3.41	2.59	-1.33
Total Deposits, 2 Yr CAGR %	12.43	10.92	3.28	-0.33	-3.03
Tangible Book Value, 2 Yr. CAGR %	0.76	2.91	1.73	2.02	2.79
Average Interest Earning Assets, 2 Yr. CAGR %	7.83	9.24	3.58	2.08	2.02
Average Interest Bearing Liabilities, 2 Yr. CAGR %	9.83	8.89	2.51	2.3	2.58
Common Equity, 2 Yr. CAGR %	0.62	2.18	0.62	1.32	2.32
Total Equity, 2 Yr. CAGR %	0.79	2.22	0.41	0.88	1.85
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-1.13	-3	0.37	7.05	8.38
Non Interest Income, 3 Yr. CAGR %	3.52	3.79	-0.38	-8.45	-2.8
Provision For Loan Losses, 3 Yr. CAGR %	28.51	-25	-16.73	-21.22	46.35
Total Revenues, 3 Yr. CAGR %	-3.66	4.61	1.82	5.87	-1.64
Earnings From Cont. Operations, 3 Yr. CAGR %	18.78	6.77	-7.99	-5.47	-16.46
Net Income, 3 Yr. CAGR %	17.57	6.75	-8.54	-5.82	-16.71
Normalized Net Income, 3 Yr. CAGR %	-16.13	5.36	-7.78	-0.3	-14.19
Diluted EPS Before Extra, 3 Yr. CAGR %	17.16	14.87	-3.99	-5.1	-16.31
Dividend Per Share, 3 Yr. CAGR %	28.56	9.83	2.04	0.65	2.24
Gross Loans, 3 Yr. CAGR %	0.44	-0.81	-2.05	0.66	1.32
Allowance For Loan Losses, 3 Yr. CAGR %	26.41	10.14	9.91	-10.08	4.12
Net Loans, 3 Yr. CAGR %	-0.19	-1.03	-2.31	1.03	1.24
Non Performing Loans, 3 Yr. CAGR %	6.96	-1.51	-15.23	-17.38	-7.35
Non Performing Assets, 3 Yr. CAGR %	6.14	-2.15	-15.48	-17.28	-7.39
Total Assets, 3 Yr. CAGR %	7.05	6.12	7.39	2.19	0.89
Total Deposits, 3 Yr CAGR %	10.09	9.14	8.46	0.72	-0.84
Tangible Book Value, 3 Yr. CAGR %	-0.27	1.42	2.18	2.26	2.1
Average Interest Earning Assets, 3 Yr. CAGR %	6.62	7.17	6.54	3.33	1.79
Average Interest Bearing Liabilities, 3 Yr. CAGR %	8.57	7.9	6.16	2.9	2.02
Common Equity, 3 Yr. CAGR %	-0.28	0.97	1.3	1.44	1.4
Total Equity, 3 Yr. CAGR %	-0.24	0.94	1.34	1	1.09
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-1.36	-1.35	1.55	3.35	2.37
Non Interest Income, 5 Yr. CAGR %	0.68	3.03	-0.79	-2.15	0.04
Provision For Loan Losses, 5 Yr. CAGR %	17.5	-14.39	-8.76	1.15	3.43
Total Revenues, 5 Yr. CAGR %	-3.36	3.2	1.57	1.54	1.32
Earnings From Cont. Operations, 5 Yr. CAGR %	-8.57	7.93	18.01	-12.3	-8
Net Income, 5 Yr. CAGR %	-8.52	8.04	16.91	-12.55	-8.15
Normalized Net Income, 5 Yr. CAGR %	-11.28	5.05	-4.09	-10.48	-6.19
Diluted EPS Before Extra, 5 Yr. CAGR %	-2.69	16.43	19.32	-9.58	-5.85
Dividend Per Share, 5 Yr. CAGR %	66.38	37.18	16.27	6.2	2.57
Gross Loans, 5 Yr. CAGR %	1.82	1.35	-0.29	0.15	-0.14
Allowance For Loan Losses, 5 Yr. CAGR %	14.6	6.41	6.56	8.06	7.76
Net Loans, 5 Yr. CAGR %	1.47	1.24	-0.44	-0.02	-0.32
Non Performing Loans, 5 Yr. CAGR %	1.53	-9.54	-12.04	-2	-7.67
Non Performing Assets, 5 Yr. CAGR %	0.89	-9.99	-12.47	-2.32	-7.82
Total Assets, 5 Yr. CAGR %	5.48	5.04	5.58	4.7	3.82
Total Deposits, 5 Yr CAGR %	7.12	7.22	7.31	5.25	3.71
Tangible Book Value, 5 Yr. CAGR %	-3.05	-2.53	0.52	1.66	2.42
Average Interest Earning Assets, 5 Yr. CAGR %	4.76	6.12	5.39	5.11	4.71
Average Interest Bearing Liabilities, 5 Yr. CAGR %	5.79	7.27	6.11	5.62	4.71
Common Equity, 5 Yr. CAGR %	-2.58	-2.33	0.08	1.11	1.71
Total Equity, 5 Yr. CAGR %	-2.14	-2.17	0.02	0.91	1.54