Suspension of trading

Income Statement Sandy Spring

Stocks

SASR

US8003631038

Delayed Nasdaq 16:00:00 2025-03-31 EDT			5-day change	1st Jan Change
27.95 ^USD	+1.27%		-.--%	-

25-04-01	Atlantic Union Bankshares Completes Sandy Spring Bancorp Acquisition	MT
25-03-31	Sandy Spring Bancorp, Inc.(NasdaqGM:SASR) dropped from NASDAQ Composite Index	CI

288bc3b855.aYqQlV4sw4vqRoJ4RVylIN66eI9VYB7nq2eSwA1LcwY.Gcvd0jhltc-4FOtONyj2Q-v3FcoHF1ay7zjZoVx-SmIavdP2C0aq3N8E2w

Published financial data: SANDY SPRING

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	395M	425M	463M	581M	611M
Interest Income On Investments	28.4M	25.4M	32.81M	56.67M	61.63M
Interest Income, Total	424M	450M	496M	638M	672M
Interest On Deposits	41.65M	15.02M	43.85M	225M	303M
Total Interest On Borrowings	18.75M	10.74M	24.81M	57.95M	41.97M
Interest Expense, Total	60.4M	25.77M	68.66M	283M	345M
Net Interest Income	363M	425M	427M	355M	327M
Service Charges On Deposits	7.07M	8.24M	9.8M	10.45M	11.76M
Trust Income	30.57M	36.84M	35.77M	36.63M	42.07M
Total Mortgage Banking Activities	40.06M	24.51M	6.13M	5.54M	5.62M
Gain (Loss) on Sale of Assets	-	-	16.52M	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	467K	212K	-345K	-	-
Total Other Non Interest Income	24.56M	32.25M	19.14M	14.46M	19.87M
Non Interest Income, Total	103M	102M	87.02M	67.08M	79.32M
Revenues Before Provison For Loan Losses	466M	527M	514M	422M	406M
Provision For Loan Losses	85.67M	-45.56M	34.37M	-17.56M	14.19M
Total Revenues	380M	572M	480M	439M	392M
Salaries And Other Employee Benefits	131M	151M	151M	153M	151M
Amort. of Goodwill & Intang. Assets	6.22M	6.6M	5.81M	5.22M	9.13M
Federal Deposit Insurance	4.73M	4.29M	4.79M	9.46M	11.4M
Selling General & Admin Expenses, Total	58.44M	64.61M	66.49M	76.36M	83.19M
Total Other Non Interest Expense	24.68M	25.28M	28.52M	31.45M	30.21M
Non Interest Expense, Total	225M	251M	256M	275M	285M
EBT, Excl. Unusual Items	156M	321M	223M	164M	108M
Total Merger & Related Restructuring Charges	-25.17M	-45K	-1.07M	-	-4.16M
Impairment of Goodwill	-	-	-	-	-54.39M
Insurance Settlements	-	-	-	-	-
Legal Settlements	-	-	-	-	-
Other Unusual Items	-5.93M	-9.12M	-	-	-
EBT, Incl. Unusual Items	124M	312M	222M	164M	48.96M
Income Tax Expense	27.47M	76.55M	56.06M	41.29M	29.03M
Earnings From Continuing Operations	96.95M	235M	166M	123M	19.94M
Net Income to Company	96.95M	235M	166M	123M	19.94M
Net Income - (IS)	96.95M	235M	166M	123M	19.94M
Preferred Dividend and Other Adjustments	783K	1.51M	681K	223K	33K
Net Income to Common Incl Extra Items	96.17M	234M	166M	123M	19.9M
Net Income to Common Excl. Extra Items	96.17M	234M	166M	123M	19.9M
Per Share Items
Net EPS - Basic	2.19	5	3.69	2.74	0.44
Basic EPS - Continuing Operations	2.19	5	3.69	2.74	0.44
Basic Weighted Average Shares Outstanding	43.95M	46.69M	44.86M	44.82M	45.07M
Net EPS - Diluted	2.18	4.98	3.68	2.73	0.44
Diluted EPS - Continuing Operations	2.18	4.98	3.68	2.73	0.44
Diluted Weighted Average Shares Outstanding	44.13M	46.9M	45.04M	44.95M	45.23M
Normalized Basic EPS	2.21	4.29	3.11	2.29	1.49
Normalized Diluted EPS	2.2	4.28	3.1	2.28	1.49
Dividend Per Share	1.2	1.28	1.36	1.36	1.36
Payout Ratio	54.85	25.67	36.9	49.79	309.19
Supplemental Items
Effective Tax Rate - (Ratio)	22.08	24.56	25.21	25.16	59.28
Current Domestic Taxes	56.9M	64.3M	65.55M	35.4M	29.45M
Total Current Taxes	56.9M	64.3M	65.55M	35.4M	29.45M
Deferred Domestic Taxes	-29.43M	12.26M	-9.49M	5.89M	-426K
Total Deferred Taxes	-29.43M	12.26M	-9.49M	5.89M	-426K
Normalized Net Income	97.2M	201M	140M	103M	67.2M
Non-Cash Pension Expense	490K	1.49M	674K	8.95M	-
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	3.85M	5.3M	7.89M	7.63M	9.04M
Total Stock-Based Compensation	3.85M	5.3M	7.89M	7.63M	9.04M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	60.7M	420M	6.63M	117M	30.46M
Investment Securities, Total	444M	396M	360M	366M	318M
Trading Asset Securities, Total	9.18M	5.88M	18.6M	15.87M	15.36M
Mortgage Backed Securities	904M	1.07B	1.11B	974M	1.04B
Total investments	1.36B	1.47B	1.49B	1.36B	1.37B
Gross Loans	10.43B	9.98B	11.41B	11.37B	11.54B
Allowance For Loan Losses	-165M	-109M	-136M	-121M	-134M
Other Adjustments to Gross Loans	-24.5M	-14.3M	-10.5M	-7M	-5.8M
Net Loans	10.24B	9.86B	11.26B	11.25B	11.4B
Gross Property Plant And Equipment	199M	198M	199M	187M	168M
Accumulated Depreciation	-75.93M	-80.56M	-82.84M	-86.96M	-74.67M
Net Property Plant And Equipment	123M	118M	116M	99.85M	93.7M
Goodwill	370M	370M	363M	363M	309M
Other Intangibles, Total	32.52M	25.92M	19.86M	28.3M	30.75M
Investment in FHLB	26.43M	6.39M	29.67M	35.8M	21.69M
Loans Held For Sale	78.29M	39.41M	11.71M	10.84M	23.47M
Accrued Interest Receivable	46.43M	34.35M	41.17M	46.58M	45.63M
Restricted Cash	236M	-	186M	429M	488M
Other Real Estate Owned And Foreclosed	1.46M	1.03M	645K	-	3.26M
Other Long-Term Assets, Total	230M	245M	305M	296M	305M
Total Assets	12.8B	12.59B	13.83B	14.03B	14.13B
Liabilities
Interest Bearing Deposits	5.56B	6.46B	6.81B	7.44B	8.2B
Institutional Deposits	1.15B	380M	474M	646M	740M
Non-Interest Bearing Deposits	3.33B	3.78B	3.67B	2.91B	2.8B
Total Deposits	10.03B	10.62B	10.95B	11B	11.75B
Short-Term Borrowings	552M	147M	341M	90.9M	84.28M
Current Portion of Long-Term Debt	230M	-	350M	250M	150M
Current Portion of Leases	12.49M	11.49M	11.54M	10.96M	11.09M
Long-Term Debt	227M	173M	370M	671M	371M
Federal Home Loan Bank Debt - Long-Term	149M	-	200M	300M	100M
Long-Term Leases	62.49M	55.64M	45.86M	37.1M	33.41M
Trust Preferred Securities (BS)	-	-	-	-	-
Accrued Interest Payable	3.25M	1.52M	10.87M	30.37M	16.57M
Other Non Current Liabilities	58.67M	57.98M	66.89M	53.36M	57.06M
Total Liabilities	11.33B	11.07B	12.35B	12.44B	12.57B
Common Stock, Total	47.06M	45.12M	44.66M	44.91M	45.14M
Additional Paid In Capital	847M	751M	734M	742M	749M
Retained Earnings	557M	732M	837M	898M	857M
Comprehensive Income and Other	18.7M	-8.54M	-132M	-97.33M	-92.65M
Total Common Equity	1.47B	1.52B	1.48B	1.59B	1.56B
Total Equity	1.47B	1.52B	1.48B	1.59B	1.56B
Total Liabilities And Equity	12.8B	12.59B	13.83B	14.03B	14.13B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	47.1M	45.13M	44.67M	44.94M	45.14M
ECS Total Common Shares Outstanding	47.06M	45.12M	44.66M	44.91M	45.14M
Book Value / Share	31.24	33.68	33.23	35.36	34.51
Tangible Book Value	1.07B	1.12B	1.1B	1.2B	1.22B
Tangible Book Value Per Share	22.68	24.9	24.64	26.64	26.99
Tangible Book Value Per Share (As Reported)	22.28	24.9	24.64	26.64	26.99
Average Assets	11.78B	12.82B	13.22B	14.06B	14.13B
Average Loans	9.37B	10.09B	10.65B	11.37B	11.44B
Total Debt	1.23B	387M	1.32B	1.36B	750M
Deposits at Interest - Cash	203M	354M	104M	463M	438M
Federal Funds Sold	291K	312K	193K	245K	-
Debt Equivalent of Unfunded Proj. Benefit Obligation	4.07M	2.87M	3.25M	-	-
Net Debt	1.16B	-39.08M	1.29B	1.23B	704M
Full Time Employees	1.11K	1.08K	1.13K	1.08K	1.12K
Part Time Employees	36	29	33	28	31
Number Of Offices	60	50	50	50	50

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	96.95M	235M	166M	123M	19.94M
Depreciation, Depletion & Amortization	13.05M	7.52M	6.09M	16.78M	17.16M
Amortization of Goodwill and Intangible Assets - (CF)	6.82M	7M	5.81M	5.22M	9.13M
Total Depreciation, Depletion & Amortization	19.87M	14.52M	11.91M	22.01M	26.29M
Gain (Loss) on Sale of Loans & Receivables - (CF)	-33.42M	-31.56M	-7.78M	-5.69M	-5.5M
(Gain) Loss On Sale of Asset - (CF)	32K	241K	-16.43M	-66K	-
(Gain) Loss on Sale of Investments - (CF)	-467K	-212K	345K	-	-
Total Asset Writedown	-	-	-	-	54.39M
Provision for Credit Losses	85.67M	-45.56M	34.37M	-17.56M	14.19M
Stock-Based Compensation (CF)	3.85M	5.3M	7.89M	7.63M	9.04M
Tax Benefit from Stock Options	-133K	-1.85M	-646K	295K	470K
Net (Increase) Decrease in Loans Originated / Sold - Operating	8.82M	70.45M	35.48M	6.56M	-7.13M
Changes in Accrued Interest Receivable	-15.5M	12.08M	-6.82M	-5.41M	956K
Change in Other Net Operating Assets (Collected)	3.2M	-56.27M	4.91M	-314K	-27.99M
Other Operating Activities	-26.91M	14.15M	-13.2M	7.52M	-940K
Cash from Operations	142M	216M	216M	138M	83.71M
Capital Expenditure	-5.04M	-11.49M	-14.59M	-13.98M	-16.15M
Cash Acquisitions	53.52M	-	-	-	-
Divestitures	-	-	23.82M	-	-
Sale (Purchase) of Real Estate Properties (Collected)	60K	680K	335K	712K	-
Investment in Marketable and Equity Securities, Total	-74.26M	-139M	-208M	161M	474K
Net (Increase) Decrease in Loans Originated / Sold - Investing	-1.17B	458M	-1.42B	30.97M	-175M
Other Investing Activities, Total	-	-	-	-	-
Cash from Investing	-1.2B	308M	-1.62B	179M	-190M
Short Term Debt Issued, Total	330M	-	181M	53.06M	-
Long-Term Debt Issued, Total	400M	-	2.73B	2.03B	-
Total Debt Issued	730M	-	2.91B	2.08B	-
Short Term Debt Repaid, Total	-	-402M	-	-	-306M
Long-Term Debt Repaid, Total	-713M	-432M	-1.98B	-2.03B	-300M
Total Debt Repaid	-713M	-834M	-1.98B	-2.03B	-606M
Issuance of Common Stock	2M	5.76M	2.19M	2.42M	1.36M
Repurchase of Common Stock	-26.16M	-109M	-27.34M	-1.82M	-3.51M
Common Dividends Paid	-53.18M	-60.35M	-61.37M	-61.16M	-61.64M
Common & Preferred Stock Dividends Paid	-53.18M	-60.35M	-61.37M	-61.16M	-61.64M
Net Increase (Decrease) in Deposit Accounts - (CF)	1.27B	596M	331M	44.41M	750M
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	1.21B	-402M	1.18B	36.91M	79.67M
Net Change in Cash	151M	123M	-228M	354M	-26.94M
Supplemental Items
Cash Interest Paid	62.64M	37.85M	62.24M	263M	359M
Cash Income Tax Paid (Refund)	56.43M	71.91M	62.1M	35.94M	24.93M
Net Debt Issued / Repaid	16.12M	-834M	931M	53.06M	-606M

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.9	1.85	1.26	0.88	0.14
Return On Equity %	7.45	15.73	11.07	8	1.27
Return on Common Equity	7.39	15.63	11.03	7.98	1.27
Shareholders Value Added	-36.67M	62.76M	-7.43M	-56.25M	-157M
Margin Analysis
SG&A Margin	49.72	37.6	45.26	52.12	59.66
Net Interest Income / Total Revenues %	95.52	74.2	89.02	80.73	83.4
EBT Excl. Non-Recurring Items Margin %	40.91	56.07	46.58	37.37	27.41
Income From Continuing Operations Margin %	25.5	41.09	34.67	27.97	5.08
Net Income Margin %	25.5	41.09	34.67	27.97	5.08
Net Avail. For Common Margin %	25.29	40.83	34.53	27.92	5.07
Normalized Net Income Margin	25.57	35.05	29.11	23.36	17.13
Asset quality
Nonperforming Loans / Total Loans %	1.11	0.49	0.34	0.81	1.03
Nonperforming Loans / Total Assets %	0.9	0.39	0.28	0.65	0.84
Nonperforming Assets / Total Assets %	0.91	0.4	0.29	0.65	0.87
NPAs / Loans and OREO	1.12	0.5	0.35	0.81	1.06
NPAs / Equity	7.95	3.28	2.7	5.78	7.87
Allowance for Credit Losses / Net Charge-offs %	20.49K	1.02K	-32.67K	8.15K	3.61K
Allowance for Credit Losses / Nonperforming Loans %	143.23	223.61	346.15	131.59	112.59
Allowance for Credit Losses / Total Loans %	1.59	1.09	1.19	1.06	1.16
Net Charge-offs / Total Average Loans %	0.01	0.11	-0	0.01	0.03
Provision for Loan Losses / Net Charge-offs %	10.62K	-427.11	-8.24K	-1.18K	381.61
Earning Assets / IBL	148.57	162.54	162.98	145.69	140.28
Interest Income / Average Assets	3.6	3.51	3.75	4.54	4.76
Interest Expense / Average Assets	0.51	0.2	0.52	2.01	2.44
Net Interest Income / Average Assets	3.08	3.31	3.23	2.52	2.32
Non Interest Income / Average Assets	0.87	0.8	0.66	0.48	0.56
Non Interest Expense / Average Asset	1.91	1.96	1.94	1.96	2.02
Capital And Funding
Total Average Common Equity / Total Average Assets %	12.15	11.78	11.37	11.03	11.17
Total Average Equity / Total Average Assets %	12.15	11.78	11.37	11.03	11.17
Total Equity + Allowance for Loan Losses / Total Loans %	15.69	16.32	14.2	15.03	14.66
Gross Loans / Total Deposits %	103.91	93.94	104.14	103.43	98.28
Net Loans / Total Deposits %	102.01	92.78	102.8	102.27	97.09
Tier 1 Capital Ratio %	10.58	11.91	10.23	10.9	11.36
Total Capital Ratio %	13.93	14.59	14.2	14.92	15.38
Core Tier 1 Capital Ratio	10.58	11.91	10.23	10.9	11.36
Equity Tier 1 Capital Ratio	8.46	9.21	8.18	8.77	8.84
Coverage Ratio	169.23	325.48	520.07	137.08	114.89
Leverage Ratio %	8.92	9.26	9.33	9.51	9.39
Interbank Ratio	37.44	251.19	32.33	617.92	635.99
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	7.64	30.01	9.96	3.83	2.17
EBT + Interest Expense / Interest Expense	3.06	13.1	4.24	1.58	1.14
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	36.88	16.9	0.59	-16.97	-7.73
Non Interest Income, 1 Yr. Growth %	45.24	-0.64	-14.73	-22.92	18.24
Provision For Loan Losses, 1 Yr. Growth %	1.73K	-153.18	-175.45	-151.09	-180.82
Total Revenues, 1 Yr. Growth %	14.75	50.48	-16.16	-8.44	-10.69
Earnings From Cont. Operations, 1 Yr. Growth %	-16.73	142.5	-29.27	-26.13	-83.77
Net Income, 1 Yr. Growth %	-16.73	142.5	-29.27	-26.13	-83.77
Normalized Net Income, 1 Yr. Growth %	1.27	106.28	-30.36	-26.54	-34.5
Diluted EPS Before Extra, 1 Yr. Growth %	-32.92	128.44	-26.1	-25.82	-83.88
Dividend Per Share, 1 Yr. Growth %	1.69	6.67	6.25	0	0
Gross Loans, 1 Yr. Growth %	55.43	-4.26	14.28	-0.29	1.49
Allowance For Loan Losses, 1 Yr. Growth %	194.6	-34	24.83	-11.29	11.2
Net Loans, 1 Yr. Growth %	53.93	-3.69	14.23	-0.13	1.4
Non Performing Loans, 1 Yr. Growth %	179.76	-57.72	-19.36	133.36	29.97
Non Performing Assets, 1 Yr. Growth %	173.47	-57.36	-19.74	129.59	33.52
Total Assets, 1 Yr. Growth %	48.32	-1.62	9.87	1.41	0.71
Total Deposits, 1 Yr Growth %	55.79	5.9	3.09	0.39	6.81
Tangible Book Value, 1 Yr. Growth %	37.18	5.28	-2.05	9.42	1.82
Average Interest Earning Assets, 1 Yr. Growth %	42.44	9.87	4	7.02	0.46
Average Interest Bearing Liabilities, 1 Yr. Growth %	39.31	0.44	3.72	19.72	4.33
Common Equity, 1 Yr. Growth %	29.74	3.38	-2.36	7.03	-1.9
Total Equity, 1 Yr. Growth %	29.74	3.38	-2.36	7.03	-1.9
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	18.08	26.49	8.43	-8.61	-12.47
Non Interest Income, 2 Yr. CAGR %	31.45	20.13	-7.96	-18.93	-4.53
Provision For Loan Losses, 2 Yr. CAGR %	208.13	211.86	-36.66	-37.91	-35.74
Total Revenues, 2 Yr. CAGR %	10.59	31.4	12.32	-12.38	-9.57
Earnings From Cont. Operations, 2 Yr. CAGR %	-1.96	42.1	30.97	-27.72	-65.38
Net Income, 2 Yr. CAGR %	-1.96	42.1	30.97	-27.72	-65.38
Normalized Net Income, 2 Yr. CAGR %	4.34	44.54	19.86	-28.47	-30.63
Diluted EPS Before Extra, 2 Yr. CAGR %	-12.08	23.79	29.93	-25.96	-65.42
Dividend Per Share, 2 Yr. CAGR %	4.45	4.15	6.46	3.08	0
Gross Loans, 2 Yr. CAGR %	25.94	21.99	4.6	6.75	0.6
Allowance For Loan Losses, 2 Yr. CAGR %	75.83	39.44	-9.23	5.23	-0.68
Net Loans, 2 Yr. CAGR %	25.31	21.76	4.89	6.81	0.63
Non Performing Loans, 2 Yr. CAGR %	79.05	8.75	-41.61	37.18	74.15
Non Performing Assets, 2 Yr. CAGR %	76.33	7.98	-41.5	35.75	75.09
Total Assets, 2 Yr. CAGR %	24.6	20.79	3.96	5.55	1.06
Total Deposits, 2 Yr CAGR %	30.24	28.44	4.49	1.73	3.55
Tangible Book Value, 2 Yr. CAGR %	22.52	20.17	1.55	3.19	5.55
Average Interest Earning Assets, 2 Yr. CAGR %	22.16	25.1	6.9	5.5	3.69
Average Interest Bearing Liabilities, 2 Yr. CAGR %	20.07	18.29	2.06	11.43	11.76
Common Equity, 2 Yr. CAGR %	17.32	15.82	0.47	2.23	2.47
Total Equity, 2 Yr. CAGR %	17.32	15.82	0.47	2.23	2.47
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	29.1	17.69	17.19	-0.8	-8.32
Non Interest Income, 3 Yr. CAGR %	26.09	19.74	7.16	-13.24	-8.06
Provision For Loan Losses, 3 Yr. CAGR %	206.44	71.55	94.33	-41.04	-32.21
Total Revenues, 3 Yr. CAGR %	20.55	22.55	13.12	4.92	-11.82
Earnings From Cont. Operations, 3 Yr. CAGR %	22.14	32.59	12.62	8.21	-56.07
Net Income, 3 Yr. CAGR %	22.14	32.59	12.62	8.21	-56.07
Normalized Net Income, 3 Yr. CAGR %	18.5	30.96	13.31	1.81	-30.54
Diluted EPS Before Extra, 3 Yr. CAGR %	-0.3	20.87	4.23	7.79	-55.46
Dividend Per Share, 3 Yr. CAGR %	4.89	5.18	4.85	4.26	2.04
Gross Loans, 3 Yr. CAGR %	34.19	14.94	19.37	2.95	4.97
Allowance For Loan Losses, 3 Yr. CAGR %	54.02	26.84	34.39	-9.92	7.18
Net Loans, 3 Yr. CAGR %	33.84	14.79	19.2	3.19	4.97
Non Performing Loans, 3 Yr. CAGR %	57.86	10.67	-1.57	-7.34	34.73
Non Performing Assets, 3 Yr. CAGR %	54.66	9.85	-2.19	-7.73	35
Total Assets, 3 Yr. CAGR %	32.95	15.16	17.04	3.11	3.91
Total Deposits, 3 Yr CAGR %	36.28	21.56	19.37	3.1	3.4
Tangible Book Value, 3 Yr. CAGR %	30.75	16.48	12.25	3.88	2.73
Average Interest Earning Assets, 3 Yr. CAGR %	30.29	17.92	17.63	6.94	3.79
Average Interest Bearing Liabilities, 3 Yr. CAGR %	29.61	13.13	13.22	7.64	9.01
Common Equity, 3 Yr. CAGR %	37.63	12.48	9.41	2.61	0.83
Total Equity, 3 Yr. CAGR %	37.63	12.48	9.41	2.61	0.83
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	21.32	23.2	20.4	6.36	4.28
Non Interest Income, 5 Yr. CAGR %	15.53	15.41	11.17	2.44	2.32
Provision For Loan Losses, 5 Yr. CAGR %	74	52.37	63.11	14.25	24.82
Total Revenues, 5 Yr. CAGR %	15.78	24.17	17.19	7.16	3.43
Earnings From Cont. Operations, 5 Yr. CAGR %	16.41	37.26	25.6	4.02	-29.74
Net Income, 5 Yr. CAGR %	16.41	37.26	25.6	4.02	-29.74
Normalized Net Income, 5 Yr. CAGR %	19.62	34.11	19.04	2.82	-6.88
Diluted EPS Before Extra, 5 Yr. CAGR %	3.45	20.02	10.84	-0.65	-32.96
Dividend Per Share, 5 Yr. CAGR %	5.92	5.49	5.51	4.33	2.88
Gross Loans, 5 Yr. CAGR %	24.42	20.51	21.47	11.59	11.47
Allowance For Loan Losses, 5 Yr. CAGR %	32.24	19.89	24.66	17.71	19.08
Net Loans, 5 Yr. CAGR %	24.26	20.48	21.41	11.53	11.39
Non Performing Loans, 5 Yr. CAGR %	27.33	8.86	6.04	20.59	23.67
Non Performing Assets, 5 Yr. CAGR %	25.71	8.05	4.83	19.56	23.46
Total Assets, 5 Yr. CAGR %	22.42	19.85	20.49	11.22	10.36
Total Deposits, 5 Yr CAGR %	25.18	24.32	22.54	13.2	12.77
Tangible Book Value, 5 Yr. CAGR %	19.38	20.24	18.18	10.97	9.38
Average Interest Earning Assets, 5 Yr. CAGR %	21.1	21.93	20.37	12.79	11.84
Average Interest Bearing Liabilities, 5 Yr. CAGR %	20.66	19.23	17.79	12.45	12.63
Common Equity, 5 Yr. CAGR %	22.89	23.29	21.35	8.26	6.58
Total Equity, 5 Yr. CAGR %	22.89	23.29	21.35	8.26	6.58