Cash flow KeyCorp NYSE

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KEY.PRL

US4932678430

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Market Closed - NYSE 16:00:02 2026-09-08 EDT			5-day change	1st Jan Change
25.01 ^USD	+0.04%		-0.64%	-1.46%

09-02	Cari LLC announced that it expects to receive funding from a group of investors	CI
08-31	Keycorp Announces Appointment of Chris Doll to Chief Strategy Officer and Deputy Cfo, Effective August 31, 2026	CI

52fb39ed91df2cc5813da154da5a3.XMg4obC0B9DevO6yCrRk_wjV75HeZvKez-M9Svw9tWE.b7hQ9NrdKqK9ir-BQuxWi1qspOmbLqTtpK0JBM4Pz1M_o3HsiMJX55fNqw

Published financial data: KEYCORP

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Interest Income On Loans	3.58B	4.3B	6.28B	6.09B	5.81B
Interest Income On Investments	785M	1.12B	1.65B	2.34B	2.58B
Interest Income, Total	4.37B	5.41B	7.93B	8.43B	8.39B
Interest On Deposits	67M	279M	2.32B	3.31B	2.92B
Total Interest On Borrowings	229M	606M	1.69B	1.36B	831M
Interest Expense, Total	296M	885M	4.01B	4.66B	3.75B
Net Interest Income	4.07B	4.53B	3.91B	3.76B	4.64B
Service Charges On Deposits	337M	350M	270M	261M	295M
Trust Income	530M	526M	516M	557M	591M
Total Mortgage Banking Activities	131M	58M	51M	58M	58M
Income From Trading Activities	-	-	-	-	-
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	7M	-9M	-11M	-1.86B	-6M
Total Other Non Interest Income	2.19B	1.79B	1.64B	1.79B	1.9B
Non Interest Income, Total	3.19B	2.72B	2.47B	809M	2.84B
Revenues Before Provison For Loan Losses	7.26B	7.24B	6.38B	4.57B	7.48B
Provision For Loan Losses	-418M	502M	489M	335M	471M
Total Revenues	7.68B	6.74B	5.89B	4.24B	7.01B
Salaries And Other Employee Benefits	2.46B	2.44B	2.46B	2.61B	2.77B
Stock-Based Compensation (IS)	2M	3M	3M	4M	5M
Amort. of Goodwill & Intang. Assets	58M	-	-	-	-
Occupancy Expense	300M	295M	267M	266M	270M
Federal Deposit Insurance	-	-	-	-	-
Selling General & Admin Expenses, Total	965M	959M	928M	925M	961M
(Income) Loss on Real Estate Property	-	-	-	-	-
Total Other Non Interest Expense	645M	704M	804M	711M	703M
Non Interest Expense, Total	4.43B	4.4B	4.46B	4.52B	4.71B
EBT, Excl. Unusual Items	3.26B	2.34B	1.43B	-279M	2.3B
Restructuring Charges	-1M	-10M	-81M	-	-
Total Merger & Related Restructuring Charges	-	-	-	-	-
Other Unusual Items	-	-	-190M	-27M	5M
EBT, Incl. Unusual Items	3.25B	2.33B	1.16B	-306M	2.3B
Income Tax Expense	642M	422M	196M	-143M	476M
Earnings From Continuing Operations	2.61B	1.91B	964M	-163M	1.83B
Earnings Of Discontinued Operations	13M	6M	3M	2M	1M
Net Income to Company	2.62B	1.92B	967M	-161M	1.83B
Minority Interest	-	-	-	-	-
Net Income - (IS)	2.62B	1.92B	967M	-161M	1.83B
Preferred Dividend and Other Adjustments	106M	118M	143M	143M	143M
Net Income to Common Incl Extra Items	2.52B	1.8B	824M	-304M	1.69B
Net Income to Common Excl. Extra Items	2.51B	1.79B	821M	-306M	1.68B
Per Share Items
Net EPS - Basic	2.66	1.95	0.89	-0.32	1.53
Basic EPS - Continuing Operations	2.65	1.94	0.89	-0.32	1.53
Basic Weighted Average Shares Outstanding	947M	924M	927M	950M	1.1B
Net EPS - Diluted	2.63	1.93	0.88	-0.32	1.52
Diluted EPS - Continuing Operations	2.62	1.92	0.88	-0.32	1.52
Diluted Weighted Average Shares Outstanding	957M	933M	933M	950M	1.11B
Normalized Basic EPS	2.15	1.58	0.96	-0.18	1.31
Normalized Diluted EPS	2.12	1.57	0.96	-0.18	1.3
Dividend Per Share	0.75	0.79	0.82	0.82	0.82
Payout Ratio	31.35	44.55	94.21	-575.78	57.63
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	19.73	18.09	16.9	46.73	20.66
Current Domestic Taxes	496M	448M	305M	208M	473M
Total Current Taxes	496M	448M	305M	208M	473M
Deferred Domestic Taxes	146M	-26M	-109M	-351M	3M
Total Deferred Taxes	146M	-26M	-109M	-351M	3M
Normalized Net Income	2.03B	1.46B	894M	-174M	1.44B
Non-Cash Pension Expense	24M	27M	30M	11M	7M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	102M	117M	118M	100M	127M
Stock-Based Comp., Other (Total)	2M	3M	3M	4M	5M
Total Stock-Based Compensation	104M	120M	121M	104M	132M

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Assets
Cash And Equivalents	913M	887M	941M	1.74B	1.29B
Investment Securities, Total	25.22B	16.48B	24.15B	30.28B	21.5B
Trading Asset Securities, Total	2.66B	1.85B	1.32B	1.53B	1.24B
Mortgage Backed Securities	40.93B	36.99B	35.97B	35.86B	40.23B
Total investments	68.82B	55.32B	61.44B	67.68B	62.97B
Gross Loans	102B	120B	113B	105B	107B
Allowance For Loan Losses	-1.06B	-1.34B	-1.51B	-1.41B	-1.43B
Other Adjustments to Gross Loans	-373M	-368M	-356M	-311M	-303M
Net Loans	101B	118B	111B	103B	105B
Gross Property Plant And Equipment	2.91B	2.83B	2.68B	2.59B	2.6B
Accumulated Depreciation	-1.64B	-1.67B	-1.54B	-1.53B	-1.53B
Net Property Plant And Equipment	1.28B	1.16B	1.14B	1.07B	1.07B
Goodwill	2.69B	2.75B	2.75B	2.75B	2.75B
Other Intangibles, Total	365M	378M	350M	316M	301M
Investment in Real Estate	-	-	-	-	-
Loans Held For Sale	2.73B	963M	483M	797M	1.08B
Accrued Interest Receivable	2.99B	2.78B	2.87B	3.06B	3.43B
Restricted Cash	-	-	-	-	-
Other Current Assets, Total	586M	439M	351M	267M	211M
Deferred Tax Assets Long-Term (Collected)	189M	2.02B	1.82B	1.62B	1.15B
Other Real Estate Owned And Foreclosed	35M	33M	17M	14M	9M
Other Long-Term Assets, Total	4.96B	5.02B	5.02B	5B	5.01B
Total Assets	186B	190B	188B	187B	184B
Liabilities
Accrued Expenses, Total	1.86B	1.71B	1.85B	1.75B	1.73B
Interest Bearing Deposits	98.86B	100B	115B	120B	121B
Institutional Deposits	1.7B	1.71B	-	-	-
Non-Interest Bearing Deposits	52B	40.83B	30.73B	29.63B	27.61B
Total Deposits	153B	143B	146B	150B	149B
Short-Term Borrowings	922M	10.95B	4.4B	3.77B	1.74B
Current Portion of Long-Term Debt	2.82B	-	-	-	-
Current Portion of Leases	140M	136M	133M	128M	127M
Long-Term Debt	8.14B	12.26B	11.52B	10.98B	8.91B
Federal Home Loan Bank Debt - Long-Term	604M	6.59B	7.59B	79M	560M
Long-Term Leases	543M	471M	420M	381M	357M
Trust Preferred Securities (BS)	467M	450M	447M	444M	447M
Other Current Liabilities - (Bank / Utility Template)	15M	13M	11M	9M	8M
Deferred Tax Liability Non-Current	-	-	-	-	-
Other Non Current Liabilities	836M	1.18B	1.7B	1.69B	1.41B
Total Liabilities	169B	176B	174B	169B	164B
Preferred Stock Redeemable	1.9B	2.5B	2.5B	2.5B	2.5B
Preferred Stock Non Redeemable	-	-	-	-	-
Preferred Stock Convertible	-	-	-	-	-
Total Preferred Equity	1.9B	2.5B	2.5B	2.5B	2.5B
Common Stock, Total	1.26B	1.26B	1.26B	1.26B	1.26B
Additional Paid In Capital	6.28B	6.29B	6.28B	6.04B	6.04B
Retained Earnings	14.55B	15.62B	15.67B	14.58B	15.36B
Treasury Stock	-5.98B	-5.91B	-5.84B	-2.73B	-2.81B
Comprehensive Income and Other	-586M	-6.3B	-5.23B	-3.47B	-1.96B
Total Common Equity	15.52B	10.95B	12.14B	15.68B	17.88B
Minority Interest	-	-	-	-	-
Total Equity	17.42B	13.45B	14.64B	18.18B	20.38B
Total Liabilities And Equity	186B	190B	188B	187B	184B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	928M	932M	934M	1.11B	1.09B
ECS Total Common Shares Outstanding	929M	933M	937M	1.11B	1.1B
Book Value / Share	16.71	11.74	12.96	14.16	16.22
Tangible Book Value	12.46B	7.82B	9.04B	12.61B	14.83B
Tangible Book Value Per Share	13.42	8.38	9.65	11.39	13.45
Tangible Book Value Per Share (As Reported)	13.72	8.75	10.02	11.7	13.77
Average Assets	180B	186B	192B	187B	187B
Average Loans	102B	113B	119B	109B	107B
Total Debt	13.64B	30.86B	24.5B	15.78B	12.14B
Debt Equivalent of Unfunded Proj. Benefit Obligation	60M	79M	96M	41M	32M
Net Debt	10.05B	28.11B	22.23B	12.51B	9.62B
Equity Method Investments, Total	1.6B	1.9B	2.3B	2.5B	2.4B
Full Time Employees	17.65K	18.89K	17.33K	17.41K	17.88K
Number Of Offices	999	972	959	944	940
Assets under Capital Lease - Gross	-	-	-	-	-
Assets on Operating Lease - Gross	-	-	-	-	-

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Net Income	2.62B	1.92B	967M	-161M	1.83B
Depreciation, Depletion & Amortization	-230M	-76M	-76M	-146M	-209M
Amortization of Goodwill and Intangible Assets - (CF)	196M	136M	132M	135M	137M
Total Depreciation, Depletion & Amortization	-34M	60M	56M	-11M	-72M
Amortization of Deferred Charges, Total	66M	77M	78M	84M	93M
Gain (Loss) on Sale of Loans & Receivables - (CF)	-258M	-124M	-115M	-120M	-147M
(Gain) Loss On Sale of Asset - (CF)	6M	0	9M	-16M	-
(Gain) Loss on Sale of Investments - (CF)	-7M	-9M	11M	1.86B	6M
Provision for Credit Losses	-418M	502M	489M	335M	471M
Stock-Based Compensation (CF)	104M	120M	121M	104M	132M
Net (Increase) Decrease in Loans Originated / Sold - Operating	-383M	1.81B	425M	-316M	-238M
Change in Trading Asset Securities	34M	-128M	-313M	-141M	222M
Change in Other Net Operating Assets (Collected)	-113M	-113M	-110M	-460M	-625M
Other Operating Activities	-469M	355M	1.28B	-490M	537M
Cash from Operations	1.15B	4.47B	2.9B	664M	2.21B
Capital Expenditure	-66M	-96M	-142M	-65M	-107M
Sale of Property, Plant, and Equipment	4M	16M	5M	24M	4M
Cash Acquisitions	-29M	-58M	-	-	-
Divestitures	-	-	-	-	-
Purchase / Sale of Intangible Assets	-	-12M	-	-	-
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-11.11B	6.64B	-5.36B	-5.68B	5.74B
Net (Increase) Decrease in Loans Originated / Sold - Investing	-3.94B	-17.49B	6.82B	8.11B	-2.51B
Other Investing Activities, Total	72M	72M	96M	107M	86M
Cash from Investing	-15.07B	-10.93B	1.42B	2.5B	3.22B
Short Term Debt Issued, Total	-	8.7B	-	-	-
Long-Term Debt Issued, Total	1.2B	16.6B	5.24B	1.65B	1.56B
Total Debt Issued	1.2B	25.3B	5.24B	1.65B	1.56B
Short Term Debt Repaid, Total	-218M	-	-6.37B	-947M	-1.06B
Long-Term Debt Repaid, Total	-2.57B	-8.58B	-5.14B	-9.06B	-4.05B
Total Debt Repaid	-2.78B	-8.58B	-11.52B	-10B	-5.11B
Issuance of Common Stock	27M	6M	1M	2.98B	9M
Repurchase of Common Stock	-1.18B	-44M	-72M	-28M	-235M
Issuance of Preferred Stock	-	590M	-	-	-
Repurchase of Preferred Stock	-	-	-	-	-
Common Dividends Paid	-717M	-736M	-768M	-784M	-911M
Preferred Dividends Paid	-106M	-118M	-143M	-143M	-143M
Common & Preferred Stock Dividends Paid	-823M	-854M	-911M	-927M	-1.05B
Net Increase (Decrease) in Deposit Accounts - (CF)	17.29B	-9.98B	2.99B	4.17B	-1.05B
Other Financing Activities, Total	-	-	-	-198M	-
Cash from Financing	13.74B	6.44B	-4.27B	-2.36B	-5.88B
Net Change in Cash	-178M	-26M	54M	802M	-456M
Supplemental Items
Cash Interest Paid	363M	601M	3.11B	4.16B	3.71B
Cash Income Tax Paid (Refund)	277M	292M	156M	68M	71M
Net Debt Issued / Repaid	-1.58B	16.72B	-6.28B	-8.36B	-3.56B

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Profitability
Return on Assets	1.46	1.02	0.51	-0.09	0.98
Return On Equity %	14.76	12.38	6.86	-0.99	9.48
Return on Common Equity	15.86	13.54	7.11	-2.2	10.04
Shareholders Value Added	925M	471M	-236M	-1.69B	-47.42M
Margin Analysis
SG&A Margin	48.46	54.77	62.03	89.71	57.09
Net Interest Income / Total Revenues %	52.99	67.14	66.39	88.82	66.16
EBT Excl. Non-Recurring Items Margin %	42.37	34.75	24.28	-6.58	32.81
Income From Continuing Operations Margin %	34	28.34	16.36	-3.85	26.09
Net Income Margin %	34.17	28.43	16.41	-3.8	26.1
Net Avail. For Common Margin %	32.62	26.59	13.93	-7.22	24.05
Normalized Net Income Margin	26.48	21.72	15.17	-4.11	20.51
Asset quality
Nonperforming Loans / Total Loans %	0.47	0.34	0.51	0.72	0.58
Nonperforming Loans / Total Assets %	0.26	0.21	0.3	0.4	0.34
Nonperforming Assets / Total Assets %	0.26	0.22	0.31	0.41	0.34
NPAs / Loans and OREO	0.48	0.35	0.52	0.74	0.59
NPAs / Equity	2.81	3.12	4.04	4.25	3.08
Allowance for Credit Losses / Net Charge-offs %	576.63	830.43	618.03	320.23	331.86
Allowance for Credit Losses / Nonperforming Loans %	221.97	328.5	262.72	185.88	230.91
Allowance for Credit Losses / Total Loans %	1.04	1.12	1.33	1.35	1.34
Net Charge-offs / Total Average Loans %	0.18	0.14	0.2	0.4	0.4
Provision for Loan Losses / Net Charge-offs %	-227.17	311.8	200.41	76.14	109.53
Earning Assets / IBL	149.26	143.16	127.35	124.34	126.41
Interest Income / Average Assets	2.43	2.9	4.13	4.5	4.48
Interest Expense / Average Assets	0.16	0.47	2.09	2.49	2.01
Net Interest Income / Average Assets	2.27	2.43	2.04	2.01	2.48
Non Interest Income / Average Assets	1.78	1.46	1.29	0.43	1.52
Non Interest Expense / Average Asset	2.47	2.36	2.32	2.41	2.52
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.86	7.04	6.11	7.41	9.03
Total Average Equity / Total Average Assets %	9.93	8.21	7.43	8.74	10.38
Total Equity + Allowance for Loan Losses / Total Loans %	18.08	12.35	14.29	18.73	20.41
Gross Loans / Total Deposits %	67	83.99	77.59	69.83	71.85
Net Loans / Total Deposits %	66.06	82.79	76.31	68.68	70.68
Tier 1 Capital Ratio %	10.77	10.6	11.67	13.69	13.46
Total Capital Ratio %	12.49	12.79	14.15	16.15	15.7
Core Tier 1 Capital Ratio	9.48	9.1	10.02	11.92	11.78
Tier 2 Capital Ratio	1.72	2.19	2.48	2.46	2.24
Equity Tier 1 Capital Ratio	6.95	4.37	5.06	7.02	8.36
Coverage Ratio	-	-	-	-	-
Leverage Ratio %	8.47	8.88	9.03	10.03	10.5
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	15.21	4.85	1.69	0.77	3.77
EBT + Interest Expense / Interest Expense	11.99	3.64	1.29	0.93	1.61
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	0.92	11.2	-13.56	-3.78	23.13
Non Interest Income, 1 Yr. Growth %	20.44	-14.9	-9.12	-67.25	251.3
Provision For Loan Losses, 1 Yr. Growth %	-140.94	-220.1	-2.59	-31.49	40.6
Total Revenues, 1 Yr. Growth %	35.62	-12.23	-12.59	-28.08	65.3
Earnings From Cont. Operations, 1 Yr. Growth %	96.54	-26.84	-49.56	-116.91	-1.22K
Net Income, 1 Yr. Growth %	95.46	-26.97	-49.56	-116.65	-1.24K
Normalized Net Income, 1 Yr. Growth %	105.23	-28.02	-38.92	-119.5	-924.01
Diluted EPS Before Extra, 1 Yr. Growth %	107.94	-26.72	-54.17	-136.62	-571.68
Dividend Per Share, 1 Yr. Growth %	1.35	5.33	3.8	0	0
Gross Loans, 1 Yr. Growth %	0.58	17.15	-5.68	-7.43	2.17
Allowance For Loan Losses, 1 Yr. Growth %	-34.75	26.01	12.79	-6.56	1.28
Net Loans, 1 Yr. Growth %	1.24	17.13	-5.89	-7.42	2.2
Non Performing Loans, 1 Yr. Growth %	-42.69	-14.85	41.03	32.06	-18.47
Non Performing Assets, 1 Yr. Growth %	-47.81	-14.11	40.71	30.63	-18.78
Total Assets, 1 Yr. Growth %	9.4	1.86	-0.81	-0.59	-1.49
Total Deposits, 1 Yr Growth %	12.78	-6.54	2.1	2.87	-0.7
Tangible Book Value, 1 Yr. Growth %	-4.31	-37.23	15.48	39.55	17.61
Average Interest Earning Assets, 1 Yr. Growth %	10.72	3	4.14	-2.63	-0.28
Average Interest Bearing Liabilities, 1 Yr. Growth %	5.24	7.38	17.07	-0.27	-1.9
Common Equity, 1 Yr. Growth %	-3.47	-29.43	10.8	29.16	14.07
Total Equity, 1 Yr. Growth %	-3.1	-22.78	8.79	24.18	12.13
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	2.05	5.93	-1.96	-8.8	8.85
Non Interest Income, 2 Yr. CAGR %	13.97	1.24	-12.06	-45.44	7.27
Provision For Loan Losses, 2 Yr. CAGR %	16.88	-29.88	8.16	-18.31	-1.86
Total Revenues, 2 Yr. CAGR %	12.58	9.1	-12.41	-20.71	9.03
Earnings From Cont. Operations, 2 Yr. CAGR %	23.66	19.91	-39.25	-70.79	37.7
Net Income, 2 Yr. CAGR %	23.65	19.47	-39.31	-71.02	37.53
Normalized Net Income, 2 Yr. CAGR %	22.73	22.71	-33.69	-65.42	26.75
Diluted EPS Before Extra, 2 Yr. CAGR %	27.57	23.44	-42.05	-59.03	31.43
Dividend Per Share, 2 Yr. CAGR %	2.78	3.32	4.56	1.88	0
Gross Loans, 2 Yr. CAGR %	3.58	8.55	5.12	-6.56	-2.75
Allowance For Loan Losses, 2 Yr. CAGR %	8.58	-9.32	19.22	2.66	-2.72
Net Loans, 2 Yr. CAGR %	3.69	8.89	4.99	-6.66	-2.73
Non Performing Loans, 2 Yr. CAGR %	-15.6	-30.14	9.58	36.47	3.76
Non Performing Assets, 2 Yr. CAGR %	-17.3	-33.05	9.94	35.58	3
Total Assets, 2 Yr. CAGR %	13.37	5.56	0.52	-0.7	-1.04
Total Deposits, 2 Yr CAGR %	16.78	2.67	-2.32	2.48	1.07
Tangible Book Value, 2 Yr. CAGR %	4.98	-22.5	-14.86	26.94	28.11
Average Interest Earning Assets, 2 Yr. CAGR %	12.38	6.79	3.56	0.7	-1.46
Average Interest Bearing Liabilities, 2 Yr. CAGR %	7.06	6.3	12.12	8.05	-1.09
Common Equity, 2 Yr. CAGR %	1.26	-17.47	-11.58	19.63	21.38
Total Equity, 2 Yr. CAGR %	1.12	-13.5	-8.34	16.23	18
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	1.36	5.01	-1.01	-2.57	0.8
Non Interest Income, 3 Yr. CAGR %	8.29	3.39	-2.34	-36.73	1.5
Provision For Loan Losses, 3 Yr. CAGR %	19.33	17.94	-21.76	-7.11	-2.1
Total Revenues, 3 Yr. CAGR %	7.54	3.61	1.33	-17.98	1.29
Earnings From Cont. Operations, 3 Yr. CAGR %	12	3.81	-10.15	-60.34	-1.47
Net Income, 3 Yr. CAGR %	12.05	3.74	-10.37	-60.56	-1.55
Normalized Net Income, 3 Yr. CAGR %	13.9	2.73	-2.75	-55.9	-0.49
Diluted EPS Before Extra, 3 Yr. CAGR %	15.51	6.05	-11.28	-50.27	-7.49
Dividend Per Share, 3 Yr. CAGR %	9.9	3.62	3.48	3.02	1.25
Gross Loans, 3 Yr. CAGR %	4.25	7.92	3.59	0.76	-3.73
Allowance For Loan Losses, 3 Yr. CAGR %	6.31	14.1	-2.48	9.92	2.2
Net Loans, 3 Yr. CAGR %	4.36	7.99	3.72	0.68	-3.8
Non Performing Loans, 3 Yr. CAGR %	-4.1	-15.35	-11.71	16.61	14.94
Non Performing Assets, 3 Yr. CAGR %	-5.37	-16.25	-14.24	16.44	14.29
Total Assets, 3 Yr. CAGR %	10.1	9.4	3.4	0.15	-0.96
Total Deposits, 3 Yr CAGR %	12.45	8.43	2.48	-0.62	1.41
Tangible Book Value, 3 Yr. CAGR %	3.29	-11.56	-11.48	0.38	23.75
Average Interest Earning Assets, 3 Yr. CAGR %	9.77	9.16	5.9	1.46	0.37
Average Interest Bearing Liabilities, 3 Yr. CAGR %	7.21	7.17	9.78	7.83	4.62
Common Equity, 3 Yr. CAGR %	3.15	-10.22	-8.95	0.33	17.74
Total Equity, 3 Yr. CAGR %	3.76	-7.57	-6.63	1.42	14.85
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	6.88	3.69	0.02	-0.75	2.82
Non Interest Income, 5 Yr. CAGR %	9.05	1.87	-0.36	-19.94	1.39
Provision For Loan Losses, 5 Yr. CAGR %	9.46	17	14.73	1.83	-14.34
Total Revenues, 5 Yr. CAGR %	10.22	2.27	-0.94	-6.9	4.34
Earnings From Cont. Operations, 5 Yr. CAGR %	27.05	8.16	-12.31	-37.49	6.58
Net Income, 5 Yr. CAGR %	27.11	8.14	-12.32	-37.71	6.37
Normalized Net Income, 5 Yr. CAGR %	26.18	4.01	-8.27	-33.6	8.12
Diluted EPS Before Extra, 5 Yr. CAGR %	26.78	11.38	-12.34	-27.51	3.82
Dividend Per Share, 5 Yr. CAGR %	17.84	15.76	7.73	2.92	2.07
Gross Loans, 5 Yr. CAGR %	3.31	6.57	4.6	1.88	1
Allowance For Loan Losses, 5 Yr. CAGR %	4.34	8.8	11.3	9.38	-2.58
Net Loans, 5 Yr. CAGR %	3.42	6.66	4.61	1.87	1.09
Non Performing Loans, 5 Yr. CAGR %	-5.22	-4.15	1.15	2.47	-5.82
Non Performing Assets, 5 Yr. CAGR %	-6.27	-4.69	0.48	1.55	-7.72
Total Assets, 5 Yr. CAGR %	6.43	6.63	6.16	5.24	1.6
Total Deposits, 5 Yr CAGR %	7.95	6.26	6.29	6.01	1.91
Tangible Book Value, 5 Yr. CAGR %	3.01	-6.66	-4.4	2.19	2.62
Average Interest Earning Assets, 5 Yr. CAGR %	10.08	6.91	7.25	5.69	2.89
Average Interest Bearing Liabilities, 5 Yr. CAGR %	9.66	6.72	9.15	7.52	5.29
Common Equity, 5 Yr. CAGR %	2.72	-4.79	-3.02	0.7	2.14
Total Equity, 5 Yr. CAGR %	2.71	-2.18	-1.26	1.3	2.54