Cash flow Mitsubishi UFJ Financial Group, Inc.

Equities

8306

JP3902900004

Banks

Market Closed - Japan Exchange Other stock markets 01:30:00 2025-12-12 EST			5-day change	1st Jan Change
2,499.00 ^JPY	+2.48%		-0.64%	+35.37%

12-11	Japanese banks plan up to $13 billion in loans to Rapidus, Jiji reports	RE
12-11	MVV forecasts lower earnings in 2026 after 15% profit drop in fiscal 2025	RE

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Published financial data: MITSUBISHI UFJ FINANCIAL GROUP, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	2,024B	1,759B	3,153B	4,874B	5,523B
Interest Income On Investments	728B	772B	1,458B	2,233B	2,742B
Interest Income, Total	2,752B	2,531B	4,611B	7,107B	8,266B
Interest On Deposits	329B	217B	1,170B	2,515B	2,839B
Total Interest On Borrowings	419B	344B	1,052B	1,998B	2,339B
Interest Expense, Total	748B	560B	2,222B	4,513B	5,177B
Net Interest Income	2,004B	1,971B	2,389B	2,594B	3,088B
Income From Trading Activities	-410B	-824B	-792B	-699B	32.26B
Gain (Loss) on Sale of Loans	17.93B	16.6B	-34.04B	-45.07B	41.66B
Gain (Loss) on Sale of Assets	-	-134B	692B	-	8.85B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	1,458B	-119B	-254B	1,380B	-826B
Income (Loss) on Equity Invest. (Income Block)	356B	437B	398B	464B	669B
Total Other Non Interest Income	1,736B	1,885B	1,820B	1,768B	2,645B
Non Interest Income, Total	3,158B	1,261B	1,830B	2,868B	2,571B
Revenues Before Provison For Loan Losses	5,162B	3,231B	4,219B	5,462B	5,659B
Provision For Loan Losses	484B	278B	8.15B	238B	122B
Total Revenues	4,678B	2,953B	4,211B	5,224B	5,537B
Salaries And Other Employee Benefits	1,237B	1,277B	1,344B	1,398B	1,474B
Amort. of Goodwill & Intang. Assets	250B	261B	274B	289B	295B
Occupancy Expense	265B	248B	236B	236B	181B
Federal Deposit Insurance	90.53B	95.55B	74.33B	91B	98.86B
Selling General & Admin Expenses, Total	359B	375B	410B	379B	457B
Total Other Non Interest Expense	670B	715B	1,156B	904B	1,033B
Non Interest Expense, Total	2,871B	2,972B	3,494B	3,297B	3,538B
EBT, Excl. Unusual Items	1,806B	-18.79B	717B	1,927B	1,998B
Restructuring Charges	-16.72B	-	-	-	-
Total Merger & Related Restructuring Charges	-	-	-	-2.6B	-3.86B
Impairment of Goodwill	-148B	-	-33.55B	-	-150B
Asset Writedown	-33.88B	-39.93B	-26.36B	-41.56B	-48.93B
EBT, Incl. Unusual Items	1,608B	-58.73B	657B	1,883B	1,796B
Income Tax Expense	445B	-14.51B	26.41B	502B	528B
Earnings From Continuing Operations	1,163B	-44.22B	630B	1,381B	1,268B
Net Income to Company	1,163B	-44.22B	630B	1,381B	1,268B
Minority Interest	-46.1B	-39.1B	-30.41B	-52.91B	-705M
Net Income - (IS)	1,117B	-83.32B	600B	1,328B	1,267B
Net Income to Common Incl Extra Items	1,117B	-83.32B	600B	1,328B	1,267B
Net Income to Common Excl. Extra Items	1,117B	-83.32B	600B	1,328B	1,267B
Per Share Items
Net EPS - Basic	86.88	-6.51	48.7	110.87	108.71
Basic EPS - Continuing Operations	86.88	-6.51	48.7	110.87	108.71
Basic Weighted Average Shares Outstanding	12.86B	12.8B	12.32B	11.98B	11.65B
Net EPS - Diluted	86.56	-6.93	48.39	110.58	108.18
Diluted EPS - Continuing Operations	86.56	-6.93	48.39	110.58	108.18
Diluted Weighted Average Shares Outstanding	12.86B	12.8B	12.32B	11.98B	11.65B
Normalized Basic EPS	84.21	-3.97	33.89	96.11	107.11
Normalized Diluted EPS	84.21	-3.97	33.89	96.1	107.11
Dividend Per Share	25	28	32	41	64
Payout Ratio	28.73	-400.68	63.26	33.03	41.98
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	27.66	24.71	4.02	26.64	29.4
Current Domestic Taxes	95.18B	244B	251B	107B	118B
Current Foreign Taxes	83.49B	112B	203B	301B	242B
Total Current Taxes	179B	356B	454B	408B	360B
Deferred Domestic Taxes	310B	-308B	-349B	88.34B	104B
Deferred Foreign Taxes	-44.22B	-62.45B	-78.78B	4.78B	64.25B
Total Deferred Taxes	266B	-371B	-428B	93.12B	168B
Normalized Net Income	1,083B	-50.85B	417B	1,151B	1,248B
Non-Cash Pension Expense	-56.67B	-84.46B	-9.8B	-75.24B	-108B
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	-	-	-	-	-
Total Stock-Based Compensation	-	-	-	-	-

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	100,442B	106,829B	111,122B	107,027B	106,335B
Investment Securities, Total	74,498B	74,746B	79,335B	83,799B	81,552B
Trading Asset Securities, Total	39,412B	33,811B	34,761B	42,376B	50,141B
Mortgage Backed Securities	2,454B	1,135B	5,024B	6,182B	5,813B
Total investments	116,365B	109,693B	119,119B	132,357B	137,505B
Gross Loans	116,931B	114,273B	121,192B	129,196B	132,670B
Allowance For Loan Losses	-1,348B	-1,471B	-1,273B	-1,366B	-1,243B
Other Adjustments to Gross Loans	-309B	-322B	-401B	-488B	-443B
Net Loans	115,273B	112,480B	119,518B	127,342B	130,984B
Gross Property Plant And Equipment	2,397B	2,186B	2,222B	2,276B	2,329B
Accumulated Depreciation	-1,184B	-1,108B	-1,134B	-1,169B	-1,162B
Net Property Plant And Equipment	1,214B	1,078B	1,088B	1,107B	1,167B
Goodwill	371B	304B	297B	490B	558B
Other Intangibles, Total	1,174B	1,149B	1,174B	1,299B	1,403B
Loans Held For Sale	353B	514B	967B	967B	887B
Accrued Interest Receivable	259B	246B	501B	737B	761B
Other Receivables	1,563B	1,832B	2,549B	2,936B	2,320B
Restricted Cash	5,886B	6,818B	6,437B	7,097B	5,540B
Other Current Assets, Total	6,539B	22,206B	13,121B	9,787B	12,011B
Deferred Tax Assets Long-Term (Collected)	122B	79.19B	182B	139B	123B
Other Long-Term Assets, Total	4,263B	4,423B	5,660B	6,151B	6,345B
Total Assets	353,825B	367,650B	381,736B	397,436B	405,940B
Liabilities
Accounts Payable, Total	1,281B	1,311B	1,921B	1,838B	1,690B
Accrued Expenses, Total	4,668B	5,077B	5,997B	5,677B	5,247B
Interest Bearing Deposits	141,792B	188,094B	197,473B	207,630B	212,595B
Institutional Deposits	48,893B	-	-	-	-
Non-Interest Bearing Deposits	38,521B	36,496B	37,804B	38,787B	36,820B
Total Deposits	229,207B	224,590B	235,277B	246,417B	249,415B
Short-Term Borrowings	57,600B	64,974B	72,960B	74,098B	98,909B
Current Portion of Long-Term Debt	-	-	-	20,100B	3,988B
Current Portion of Leases	114B	95.27B	93.01B	89.64B	89.99B
Long-Term Debt	35,138B	34,680B	39,052B	19,796B	17,013B
Long-Term Leases	382B	305B	264B	265B	273B
Accrued Interest Payable	111B	98.18B	386B	560B	561B
Other Current Liabilities - (Bank / Utility Template)	8,036B	19,432B	8,823B	9,159B	8,394B
Pension & Other Post Retirement Benefits	93.73B	89.06B	89.09B	105B	104B
Deferred Tax Liability Non-Current	828B	530B	209B	610B	755B
Other Non Current Liabilities	122B	171B	198B	244B	251B
Total Liabilities	337,580B	351,353B	365,270B	378,959B	386,690B
Common Stock, Total	2,090B	2,090B	2,090B	2,090B	2,090B
Additional Paid In Capital	5,534B	5,328B	4,902B	4,636B	4,300B
Retained Earnings	8,829B	8,412B	8,409B	9,312B	10,061B
Treasury Stock	-503B	-452B	-483B	-614B	-727B
Comprehensive Income and Other	-289B	227B	844B	2,221B	2,561B
Total Common Equity	15,661B	15,605B	15,763B	17,646B	18,285B
Minority Interest	584B	691B	703B	832B	964B
Total Equity	16,245B	16,297B	16,466B	18,477B	19,250B
Total Liabilities And Equity	353,825B	367,650B	381,736B	397,436B	405,940B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	12.84B	12.61B	12.02B	11.73B	11.51B
ECS Total Common Shares Outstanding	-	-	12.02B	11.73B	11.51B
Book Value / Share	1.22K	1.24K	1.31K	1.5K	1.59K
Tangible Book Value	14,116B	14,153B	14,292B	15,856B	16,325B
Tangible Book Value Per Share	1.1K	1.12K	1.19K	1.35K	1.42K
Average Assets	355,993B	370,588B	396,152B	402,895B	415,941B
Average Loans	136,305B	114,939B	126,765B	126,391B	132,295B
Total Debt	93,234B	100,054B	112,370B	114,349B	120,273B
Deposits at Interest - Cash	-	-	-	105,632B	104,707B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-1,128B	-1,285B	-1,248B	-1,884B	-2,094B
Net Debt	-63,770B	-57,585B	-52,128B	-58,551B	-60,685B
Equity Method Investments, Total	2,560B	3,067B	3,482B	4,113B	4,564B
Full Time Employees	133K	130K	122K	140K	151K
Part Time Employees	30.8K	28.4K	27.9K	27.5K	27.6K

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	1,117B	-83.32B	600B	1,328B	1,267B
Depreciation, Depletion & Amortization	87.3B	82.65B	73.79B	79.59B	88.28B
Amortization of Goodwill and Intangible Assets - (CF)	250B	261B	274B	289B	295B
Total Depreciation, Depletion & Amortization	337B	344B	348B	368B	383B
(Gain) Loss On Sale of Asset - (CF)	-	134B	-692B	-	-
(Gain) Loss on Sale of Investments - (CF)	-1,394B	136B	268B	-1,407B	724B
Total Asset Writedown	169B	33.3B	38.7B	15.04B	164B
Provision for Credit Losses	484B	278B	291B	238B	122B
(Income) Loss On Equity Investments - (CF)	-356B	-437B	-398B	-464B	-669B
Change in Trading Asset Securities	1,352B	4,144B	-184B	-3,046B	-5,752B
Changes in Accrued Interest Receivable	-	-	-	-	-
Changes in Accrued Interest Payable	-	-	-	-	-
Change in Unearned Revenues	-	-	-	-	-
Change In Income Taxes	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-1,897B	-3,058B	1,818B	1,789B	5,712B
Other Operating Activities	-58.18B	-582B	16.52B	-312B	-922B
Cash from Operations	-245B	909B	2,106B	-1,490B	1,029B
Capital Expenditure	-117B	-103B	-116B	-114B	-132B
Sale of Property, Plant, and Equipment	41.47B	76.07B	32.21B	57.73B	46.98B
Cash Acquisitions	-	-	-	-182B	-153B
Divestitures	71.64B	-682B	-1,710B	164B	130B
Purchase / Sale of Intangible Assets	-250B	-264B	-273B	-315B	-307B
Investment in Marketable and Equity Securities, Total	-8,848B	57.21B	-7,317B	4,416B	343B
Net (Increase) Decrease in Loans Originated / Sold - Investing	12,773B	1,170B	-2,795B	-5,356B	-3,272B
Other Investing Activities, Total	-14.8B	-16.61B	-34.92B	60.25B	6.61B
Cash from Investing	3,657B	237B	-12,214B	-1,269B	-3,337B
Short Term Debt Issued, Total	-	5,533B	11,656B	805B	19,176B
Long-Term Debt Issued, Total	18,707B	4,659B	7,530B	3,188B	3,830B
Total Debt Issued	18,707B	10,192B	19,186B	3,993B	23,005B
Short Term Debt Repaid, Total	-9,462B	-	-8,456B	-6,040B	-
Long-Term Debt Repaid, Total	-11,360B	-5,466B	-4,169B	-3,963B	-22,911B
Total Debt Repaid	-20,823B	-5,466B	-12,625B	-10,002B	-22,911B
Issuance of Common Stock	899M	2.69B	1.21B	3.33B	11.04B
Repurchase of Common Stock	-20M	-159B	-450B	-400B	-418B
Common Dividends Paid	-321B	-334B	-379B	-439B	-532B
Common & Preferred Stock Dividends Paid	-321B	-334B	-379B	-439B	-532B
Net Increase (Decrease) in Deposit Accounts - (CF)	23,428B	1,560B	6,207B	3,659B	2,227B
Other Financing Activities, Total	-29.09B	-411B	36.28B	-64.96B	22.84B
Cash from Financing	20,964B	5,385B	11,976B	-3,250B	1,406B
Foreign Exchange Rate Adjustments	397B	1,252B	1,064B	1,994B	81.44B
Net Change in Cash	24,773B	7,783B	2,933B	-4,015B	-821B
Supplemental Items
Cash Interest Paid	880B	596B	1,942B	4,364B	5,190B
Cash Income Tax Paid (Refund)	125B	220B	454B	521B	329B
Net Debt Issued / Repaid	-2,116B	4,726B	6,562B	-6,009B	94.79B

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.34	-0.01	0.17	0.35	0.32
Return On Equity %	7.27	-0.27	3.85	7.9	6.71
Return on Common Equity	7.28	-0.53	3.82	7.95	7.05
Shareholders Value Added	-463B	-1,698B	-1,008B	-386B	-593B
Margin Analysis
SG&A Margin	39.78	64.36	47.24	38.54	38.14
Net Interest Income / Total Revenues %	42.84	66.73	56.74	49.66	55.77
EBT Excl. Non-Recurring Items Margin %	38.62	-0.64	17.02	36.89	36.09
Income From Continuing Operations Margin %	24.87	-1.5	14.97	26.44	22.89
Net Income Margin %	23.89	-2.82	14.25	25.43	22.88
Net Avail. For Common Margin %	23.89	-2.82	14.25	25.43	22.88
Normalized Net Income Margin	23.15	-1.72	9.91	22.04	22.55
Asset quality
Nonperforming Loans / Total Loans %	1.67	1.28	1.06	1.04	0.75
Nonperforming Loans / Total Assets %	0.55	0.4	0.34	0.34	0.25
Nonperforming Assets / Total Assets %	0.55	0.4	0.34	0.34	0.25
NPAs / Loans and OREO	1.67	1.28	1.06	1.04	0.75
NPAs / Equity	12.03	8.98	7.83	7.28	5.18
Allowance for Credit Losses / Net Charge-offs %	549.41	820.26	490.32	628.71	466.87
Allowance for Credit Losses / Nonperforming Loans %	69.01	100.54	98.76	101.55	124.69
Allowance for Credit Losses / Total Loans %	1.15	1.29	1.05	1.06	0.94
Net Charge-offs / Total Average Loans %	0.18	0.16	0.2	0.17	0.2
Provision for Loan Losses / Net Charge-offs %	197.3	155.05	3.14	109.52	45.74
Earning Assets / IBL	101.13	98.72	98.69	97.68	113.8
Interest Income / Average Assets	0.77	0.68	1.16	1.76	1.99
Interest Expense / Average Assets	0.21	0.15	0.56	1.12	1.24
Net Interest Income / Average Assets	0.56	0.53	0.6	0.64	0.74
Non Interest Income / Average Assets	0.89	0.34	0.46	0.71	0.62
Non Interest Expense / Average Asset	0.81	0.8	0.88	0.82	0.85
Capital And Funding
Total Average Common Equity / Total Average Assets %	4.47	4.33	4.19	4.29	4.47
Total Average Equity / Total Average Assets %	4.67	4.51	4.37	4.48	4.7
Total Equity + Allowance for Loan Losses / Total Loans %	14.55	14.94	14.06	14.72	14.72
Gross Loans / Total Deposits %	51.02	50.88	51.51	52.43	53.19
Net Loans / Total Deposits %	50.29	50.08	50.8	51.68	52.52
Tier 1 Capital Ratio %	13.96	12.38	12.04	15.72	16.65
Total Capital Ratio %	16.31	14.29	13.91	17.82	18.83
Core Tier 1 Capital Ratio	12.33	11.06	10.76	13.53	14.18
Tier 2 Capital Ratio	2.35	1.91	1.87	2.1	2.19
Coverage Ratio	-	-	-	-	-
Interbank Ratio	341.27	242.21	161.47	306.63	259.45
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	4.84	0.83	1.62	1.94	1.77
EBT + Interest Expense / Interest Expense	3.15	0.9	1.3	1.42	1.35
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-10.64	-1.67	21.25	8.56	17.65
Non Interest Income, 1 Yr. Growth %	68.35	-60.08	45.13	76.9	-10.6
Provision For Loan Losses, 1 Yr. Growth %	50.51	-42.59	-97.07	2.82K	-52.94
Total Revenues, 1 Yr. Growth %	23.2	-36.87	42.58	30.51	5.64
Earnings From Cont. Operations, 1 Yr. Growth %	265.03	-103.8	-1.53K	239.28	-7.98
Net Income, 1 Yr. Growth %	265.18	-107.46	-820	252.63	-4.45
Normalized Net Income, 1 Yr. Growth %	107.35	-104.74	-1.2K	300.91	8.56
Diluted EPS Before Extra, 1 Yr. Growth %	268.78	-108.01	-798.32	265.39	-2.01
Dividend Per Share, 1 Yr. Growth %	0	12	14.29	28.12	56.1
Gross Loans, 1 Yr. Growth %	-2.04	-2.27	6.05	6.6	2.71
Allowance For Loan Losses, 1 Yr. Growth %	66.56	9.07	-13.45	7.33	-8.39
Net Loans, 1 Yr. Growth %	-2.48	-2.42	6.26	6.55	2.88
Non Performing Loans, 1 Yr. Growth %	31.76	3	-11.89	4.38	-24.64
Non Performing Assets, 1 Yr. Growth %	31.76	3	-11.89	4.38	-24.64
Total Assets, 1 Yr. Growth %	6.65	3.91	3.83	4.11	2.04
Total Deposits, 1 Yr Growth %	12.38	-2.01	4.76	4.74	0.92
Tangible Book Value, 1 Yr. Growth %	6.23	0.26	0.99	10.94	2.77
Average Interest Earning Assets, 1 Yr. Growth %	9.19	2.7	5.37	0.84	20.12
Average Interest Bearing Liabilities, 1 Yr. Growth %	11.33	5.21	5.4	1.88	3.04
Common Equity, 1 Yr. Growth %	4.29	-0.36	1.01	11.94	3.45
Total Equity, 1 Yr. Growth %	3.18	0.32	1.04	12.21	3.96
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-6.56	-6.26	9.19	14.73	13.37
Non Interest Income, 2 Yr. CAGR %	40.69	-18.02	-23.88	50.82	25.25
Provision For Loan Losses, 2 Yr. CAGR %	275.56	-7.04	-87.03	-7.47	308.88
Total Revenues, 2 Yr. CAGR %	10.14	-11.81	-5.12	32.99	17.16
Earnings From Cont. Operations, 2 Yr. CAGR %	25.59	-62.75	-26.39	458.87	74.87
Net Income, 2 Yr. CAGR %	24.69	-47.82	-26.72	299.25	82.16
Normalized Net Income, 2 Yr. CAGR %	31.65	-68.53	-37.61	375.83	109.96
Diluted EPS Before Extra, 2 Yr. CAGR %	25.75	-45.67	-25.23	299.48	87.77
Dividend Per Share, 2 Yr. CAGR %	6.6	5.83	13.14	21.01	41.42
Gross Loans, 2 Yr. CAGR %	-0.46	-2.15	1.81	6.33	4.63
Allowance For Loan Losses, 2 Yr. CAGR %	43.13	34.79	-2.84	-3.62	-1.18
Net Loans, 2 Yr. CAGR %	-0.76	-2.45	1.82	6.4	4.69
Non Performing Loans, 2 Yr. CAGR %	19.77	-0.68	-4.73	-4.1	-12.05
Non Performing Assets, 2 Yr. CAGR %	19.77	-0.68	-4.73	-4.1	-12.05
Total Assets, 2 Yr. CAGR %	7.67	5.27	3.87	3.97	3.12
Total Deposits, 2 Yr CAGR %	7.25	4.94	1.32	4.75	2.96
Tangible Book Value, 2 Yr. CAGR %	0.94	3.2	0.62	5.85	6.87
Average Interest Earning Assets, 2 Yr. CAGR %	5.54	5.9	4.03	3.08	10.03
Average Interest Bearing Liabilities, 2 Yr. CAGR %	6.45	8.22	5.31	3.63	2.49
Common Equity, 2 Yr. CAGR %	1.51	1.94	0.33	6.34	7.7
Total Equity, 2 Yr. CAGR %	0.81	1.74	0.68	6.48	8.12
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-3.5	-4.96	2.13	8.98	16.15
Non Interest Income, 3 Yr. CAGR %	17.73	-7.55	-0.83	-3.16	26.81
Provision For Loan Losses, 3 Yr. CAGR %	26.21	100.81	-70.63	-21.08	-24.05
Total Revenues, 3 Yr. CAGR %	2.01	-8.51	3.51	3.75	23.31
Earnings From Cont. Operations, 3 Yr. CAGR %	-2.47	-60.86	25.52	5.88	206.06
Net Income, 3 Yr. CAGR %	-3.1	-51.24	25.16	5.93	147.74
Normalized Net Income, 3 Yr. CAGR %	0.79	-56.66	-6.67	2.39	190.63
Diluted EPS Before Extra, 3 Yr. CAGR %	-2.05	-49.79	27.27	8.51	149.93
Dividend Per Share, 3 Yr. CAGR %	9.58	8.37	8.58	17.93	31.73
Gross Loans, 3 Yr. CAGR %	-0.3	-1.07	0.51	3.38	5.1
Allowance For Loan Losses, 3 Yr. CAGR %	20.84	30.74	16.28	0.44	-5.45
Net Loans, 3 Yr. CAGR %	-0.48	-1.32	0.37	3.37	5.21
Non Performing Loans, 3 Yr. CAGR %	9.99	2.41	-4.56	-1.79	-12
Non Performing Assets, 3 Yr. CAGR %	9.99	2.41	-4.56	-1.79	-12
Total Assets, 3 Yr. CAGR %	5.59	6.4	4.79	3.95	3.36
Total Deposits, 3 Yr CAGR %	5.41	4.07	4.88	2.44	3.56
Tangible Book Value, 3 Yr. CAGR %	1.44	0.71	2.46	3.95	4.87
Average Interest Earning Assets, 3 Yr. CAGR %	4	4.59	5.72	2.95	8.52
Average Interest Bearing Liabilities, 3 Yr. CAGR %	4.37	6.04	7.28	4.15	3.5
Common Equity, 3 Yr. CAGR %	1.52	0.88	1.63	4.06	5.43
Total Equity, 3 Yr. CAGR %	1.26	0.65	1.51	4.39	5.71
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-2.39	-2.37	1.39	2.48	6.61
Non Interest Income, 5 Yr. CAGR %	5.57	1.09	-1.12	12.44	6.51
Provision For Loan Losses, 5 Yr. CAGR %	15.87	1.85	-49.2	47.29	-17.66
Total Revenues, 5 Yr. CAGR %	1.06	-1.35	-0.9	6.26	7.84
Earnings From Cont. Operations, 5 Yr. CAGR %	7.96	-24.32	-12.85	13.36	31.8
Net Income, 5 Yr. CAGR %	6.85	-16.29	-13.35	13.07	32.87
Normalized Net Income, 5 Yr. CAGR %	1.15	-24.83	-16.96	13	19.44
Diluted EPS Before Extra, 5 Yr. CAGR %	8.52	-13.95	-12.08	15.1	35.74
Dividend Per Share, 5 Yr. CAGR %	6.79	9.24	10.99	13.26	20.68
Gross Loans, 5 Yr. CAGR %	-1.12	-0.81	0.54	1.83	2.14
Allowance For Loan Losses, 5 Yr. CAGR %	3.95	4.46	10.75	15.73	8.96
Net Loans, 5 Yr. CAGR %	-1.17	-0.88	0.44	1.7	2.08
Non Performing Loans, 5 Yr. CAGR %	0.84	-4.78	-2.57	-0.25	-7.63
Non Performing Assets, 5 Yr. CAGR %	0.84	-4.78	-2.57	-0.25	-7.63
Total Assets, 5 Yr. CAGR %	3.88	4.35	4.9	5.42	4.12
Total Deposits, 5 Yr CAGR %	4.79	3.36	3.76	4.34	4.11
Tangible Book Value, 5 Yr. CAGR %	1.98	2.49	1.11	2.73	4.2
Average Interest Earning Assets, 5 Yr. CAGR %	1.25	2.92	4.01	3.98	7.47
Average Interest Bearing Liabilities, 5 Yr. CAGR %	3.76	4.59	4.75	5.07	5.37
Common Equity, 5 Yr. CAGR %	1.88	2.22	1.04	3.03	4.02
Total Equity, 5 Yr. CAGR %	1.81	1.99	1.03	2.94	4.1