Cash flow Wells Fargo & Company

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WFC

US9497461015

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86.56 ^USD	+1.49%		+1.43%	-6.89%

12:57pm	Citigroup estimates revised after bank flags higher expenses, stock tanks	RE
12:32pm	Wall Street banks point to resilient US consumer as loan growth picks up	RE

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Published financial data: WELLS FARGO & COMPANY

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	29.5B	38.23B	57.52B	58.39B	54.74B
Interest Income On Investments	10.2B	15.8B	27.6B	32.39B	32.58B
Interest Income, Total	39.69B	54.02B	85.12B	90.78B	87.31B
Interest On Deposits	388M	2.35B	16.5B	24.28B	20.45B
Total Interest On Borrowings	3.53B	6.72B	16.24B	18.82B	19.38B
Interest Expense, Total	3.92B	9.07B	32.74B	43.1B	39.83B
Net Interest Income	35.78B	44.95B	52.38B	47.68B	47.48B
Service Charges On Deposits	6.92B	6.71B	6.14B	6.52B	6.61B
Trust Income	11.01B	9B	8.67B	9.78B	10.5B
Total Mortgage Banking Activities	4.92B	1.38B	829M	1.05B	1.15B
Income From Trading Activities	7.26B	1.46B	4.37B	5.43B	5.25B
Gain (Loss) on Sale of Assets	1.37B	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-	-	-	-	-
Total Other Non Interest Income	11.53B	10.27B	10.22B	11.85B	12.7B
Non Interest Income, Total	43.01B	28.83B	30.22B	34.62B	36.22B
Revenues Before Provison For Loan Losses	78.79B	73.78B	82.6B	82.3B	83.7B
Provision For Loan Losses	-4.16B	1.53B	5.4B	4.33B	3.66B
Total Revenues	82.95B	72.25B	77.2B	77.96B	80.04B
Salaries And Other Employee Benefits	34.54B	33.36B	34.71B	34.45B	34.8B
Amort. of Goodwill & Intang. Assets	-	-	-	-	-
Occupancy Expense	1.63B	1.58B	1.63B	1.81B	1.91B
Federal Deposit Insurance	-	-	-	-	-
Selling General & Admin Expenses, Total	11.89B	11.34B	12.2B	12.58B	13.55B
Total Other Non Interest Expense	5.77B	10.99B	4.95B	5.22B	4.84B
Non Interest Expense, Total	53.83B	57.28B	53.48B	54.06B	55.11B
EBT, Excl. Unusual Items	29.12B	14.97B	23.72B	23.9B	24.93B
Restructuring Charges	-76M	-5M	-	-	-
Asset Writedown	-227M	4M	-	-	-
Legal Settlements	-	-	-179M	-290M	-
Other Unusual Items	-	-	-1.9B	-243M	271M
EBT, Incl. Unusual Items	28.82B	14.97B	21.64B	23.36B	25.2B
Income Tax Expense	5.58B	2.09B	2.61B	3.4B	3.84B
Earnings From Continuing Operations	23.24B	12.88B	19.03B	19.96B	21.36B
Net Income to Company	23.24B	12.88B	19.03B	19.96B	21.36B
Minority Interest	-1.69B	300M	113M	-243M	-20M
Net Income - (IS)	21.55B	13.18B	19.14B	19.72B	21.34B
Preferred Dividend and Other Adjustments	1.29B	1.12B	1.16B	1.12B	1.05B
Net Income to Common Incl Extra Items	20.26B	12.07B	17.98B	18.61B	20.28B
Net Income to Common Excl. Extra Items	20.26B	12.07B	17.98B	18.61B	20.28B
Per Share Items
Net EPS - Basic	4.99	3.17	4.88	5.43	6.34
Basic EPS - Continuing Operations	4.99	3.17	4.88	5.43	6.34
Basic Weighted Average Shares Outstanding	4.06B	3.81B	3.69B	3.43B	3.2B
Net EPS - Diluted	4.95	3.14	4.83	5.37	6.26
Diluted EPS - Continuing Operations	4.95	3.14	4.83	5.37	6.26
Diluted Weighted Average Shares Outstanding	4.1B	3.84B	3.72B	3.47B	3.24B
Normalized Basic EPS	4.06	2.54	4.05	4.29	4.86
Normalized Diluted EPS	4.03	2.52	4.01	4.24	4.8
Dividend Per Share	0.6	1.1	1.3	1.5	1.7
Payout Ratio	16.83	40.15	30.98	31.6	30.39
American Depositary Receipts Ratio (ADR)	0.25	0.25	0.25	0.25	0.25
Supplemental Items
Effective Tax Rate - (Ratio)	19.36	13.94	12.05	14.55	15.24
Current Domestic Taxes	6.7B	843M	2.43B	3.96B	5.29B
Current Foreign Taxes	171M	169M	227M	345M	420M
Total Current Taxes	6.87B	1.01B	2.66B	4.31B	5.71B
Deferred Domestic Taxes	-1.25B	1.08B	-76M	-868M	-1.83B
Deferred Foreign Taxes	-46M	-9M	26M	-43M	-43M
Total Deferred Taxes	-1.29B	1.08B	-50M	-911M	-1.87B
Normalized Net Income	16.51B	9.66B	14.93B	14.69B	15.56B
Non-Cash Pension Expense	1M	224M	62M	72M	49M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	1B	978M	1.12B	1.28B	1.48B
Total Stock-Based Compensation	1B	978M	1.12B	1.28B	1.48B

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	299B	226B	316B	306B	365B
Investment Securities, Total	191B	174B	154B	117B	137B
Trading Asset Securities, Total	137B	109B	71.44B	74.34B	82.42B
Mortgage Backed Securities	300B	270B	273B	320B	323B
Total investments	628B	552B	498B	511B	542B
Gross Loans	897B	958B	939B	915B	988B
Allowance For Loan Losses	-12.49B	-12.98B	-14.61B	-14.18B	-13.8B
Other Adjustments to Gross Loans	-1.62B	-1.78B	-2.4B	-2.59B	-2.25B
Net Loans	883B	943B	922B	899B	972B
Gross Property Plant And Equipment	34.34B	-	-	-	-
Accumulated Depreciation	-15.78B	-	-	-	-
Net Property Plant And Equipment	18.56B	17.98B	18.24B	19.43B	20.04B
Goodwill	25.18B	25.17B	25.18B	25.17B	24.97B
Other Intangibles, Total	211M	152M	-	-	-
Investment in FHLB	-	-	-	224M	762M
Loans Held For Sale	23.62B	7.1B	4.94B	6.26B	4.48B
Accrued Interest Receivable	3.62B	5.81B	6.76B	6.34B	6.86B
Other Receivables	20.83B	23.65B	30.54B	19.61B	19.65B
Restricted Cash	1.21B	1.14B	1.22B	1.22B	1.34B
Other Current Assets, Total	155M	26.93B	62.54B	86.14B	146B
Other Real Estate Owned And Foreclosed	112M	137M	187M	206M	302M
Other Long-Term Assets, Total	44.12B	51.84B	46.14B	49.3B	44.92B
Total Assets	1,948B	1,881B	1,932B	1,930B	2,149B
Liabilities
Accrued Expenses, Total	63.69B	64.46B	66.52B	74.33B	58.33B
Interest Bearing Deposits	949B	917B	940B	959B	1,019B
Institutional Deposits	5.53B	9.13B	57.49B	29.68B	41.44B
Non-Interest Bearing Deposits	528B	458B	360B	384B	365B
Total Deposits	1,482B	1,384B	1,358B	1,372B	1,426B
Short-Term Borrowings	43.83B	71.23B	108B	125B	265B
Current Portion of Long-Term Debt	15.77B	19.61B	30.1B	18.17B	23.47B
Current Portion of Leases	948M	883M	875M	889M	898M
Long-Term Debt	143B	137B	156B	153B	150B
Federal Home Loan Bank Debt - Long-Term	-	17B	20.26B	-	-
Long-Term Leases	3.55B	3.6B	3.2B	3.55B	3.28B
Trust Preferred Securities (BS)	1.76B	1.57B	1.6B	1.59B	905M
Other Current Liabilities - (Bank / Utility Template)	-	-	-	-	31.84B
Deferred Tax Liability Non-Current	2.79B	130M	631M	-	-
Other Non Current Liabilities	-	-	-	-	5.7B
Total Liabilities	1,758B	1,699B	1,745B	1,749B	1,966B
Preferred Stock Redeemable	10.05B	10.05B	10.74B	7.9B	7.9B
Preferred Stock Non Redeemable	4.2B	4.2B	3.51B	5.51B	5.51B
Preferred Stock Convertible	5.81B	5.2B	5.2B	5.2B	3.2B
Preferred Stock - Others	-646M	-429M	-	-	-
Total Preferred Equity	19.41B	19.02B	19.45B	18.61B	16.61B
Common Stock, Total	9.14B	9.14B	9.14B	9.14B	9.14B
Additional Paid In Capital	60.2B	60.32B	60.56B	60.82B	61.29B
Retained Earnings	180B	188B	201B	214B	229B
Treasury Stock	-79.76B	-82.85B	-92.96B	-111B	-128B
Comprehensive Income and Other	-1.7B	-13.38B	-11.58B	-12.18B	-6.67B
Total Common Equity	168B	161B	166B	161B	165B
Minority Interest	2.5B	1.99B	1.71B	1.95B	1.92B
Total Equity	190B	182B	187B	181B	183B
Total Liabilities And Equity	1,948B	1,881B	1,932B	1,930B	2,149B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	3.81B	3.79B	3.58B	3.29B	3.09B
ECS Total Common Shares Outstanding	3.89B	3.83B	3.6B	3.29B	3.09B
Book Value / Share	43.28	41.96	46.21	48.8	53.19
Tangible Book Value	143B	136B	141B	135B	140B
Tangible Book Value Per Share	36.75	35.36	39.21	41.15	45.12
Tangible Book Value Per Share (As Reported)	36.35	34.89	39.23	41.24	45.02
Average Assets	1,942B	1,894B	1,885B	1,917B	1,986B
Average Loans	892B	944B	950B	922B	927B
Total Debt	209B	251B	320B	303B	444B
Deposits at Interest - Cash	210B	125B	204B	166B	135B
Federal Funds Sold	66.22B	68.04B	80.46B	105B	194B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-48M	-68M	-133M	-335M	-448M
Net Debt	-227B	-84.4B	-68.19B	-79.17B	-5.7B
Equity Method Investments, Total	8.2B	9.67B	10.25B	3.31B	3.41B
Full Time Employees	248K	238K	226K	217K	205K
Number Of Offices	-	-	-	-	-
Assets under Capital Lease - Gross	-	-	-	-	-
Assets on Operating Lease - Gross	9.28B	-	-	-	-
Assets on Operating Lease - Accumulated Depreciation	-3.1B	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	21.55B	13.18B	19.14B	19.72B	21.34B
Depreciation, Depletion & Amortization	7.58B	6.53B	6.03B	7.33B	7.55B
Amortization of Goodwill and Intangible Assets - (CF)	264M	302M	238M	231M	160M
Total Depreciation, Depletion & Amortization	7.85B	6.83B	6.27B	7.56B	7.71B
(Gain) Loss On Sale of Asset - (CF)	-	-	-	-	-
Total Asset Writedown	41M	4M	-	-	-
Provision for Credit Losses	-4.16B	1.53B	5.4B	4.33B	3.66B
Stock-Based Compensation (CF)	-	-	-	-	-
Tax Benefit from Stock Options	-	-	-	-	-
Net (Increase) Decrease in Loans Originated / Sold - Operating	-57.63B	-9.49B	-3.57B	-6.17B	-4.52B
Change in Trading Asset Securities	16.86B	39.44B	7.5B	-24.28B	-52.96B
Change In Deferred Taxes	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	16.94B	-9.37B	-2.22B	4.01B	995M
Other Operating Activities	-12.98B	-15.08B	7.84B	-2.14B	4.77B
Cash from Operations	-11.52B	27.05B	40.36B	3.04B	-19B
Cash Acquisitions	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-11.25B	19.23B	14.05B	-9.89B	-21.86B
Net (Increase) Decrease in Loans Originated / Sold - Investing	397M	-61.81B	14.33B	21.45B	-78.72B
Other Investing Activities, Total	3.23B	101M	-12.34B	-27.22B	-87.32B
Cash from Investing	-7.62B	-42.48B	16.04B	-15.65B	-188B
Short Term Debt Issued, Total	-	16.56B	38.41B	18.71B	153B
Long-Term Debt Issued, Total	1.28B	53.74B	49.07B	29.01B	31.34B
Total Debt Issued	1.28B	70.3B	87.48B	47.72B	184B
Short Term Debt Repaid, Total	-24.59B	-	-	-	-
Long-Term Debt Repaid, Total	-47.13B	-19.59B	-22.89B	-55.58B	-34.47B
Total Debt Repaid	-71.72B	-19.59B	-22.89B	-55.58B	-34.47B
Issuance of Common Stock	-	-	-	-	-
Repurchase of Common Stock	-14.46B	-6.03B	-11.85B	-19.45B	-17.52B
Issuance of Preferred Stock	5.76B	-	1.72B	2B	-
Repurchase of Preferred Stock	-6.68B	-	-1.72B	-2.84B	-2B
Common Dividends Paid	-2.42B	-4.18B	-4.79B	-5.13B	-5.43B
Preferred Dividends Paid	-1.2B	-1.12B	-1.14B	-1.1B	-1.05B
Common & Preferred Stock Dividends Paid	-3.63B	-5.29B	-5.93B	-6.23B	-6.48B
Net Increase (Decrease) in Deposit Accounts - (CF)	78.58B	-98.49B	-25.81B	13.63B	54.51B
Other Financing Activities, Total	-361M	-539M	-509M	-784M	-861M
Cash from Financing	-11.24B	-59.64B	20.49B	-21.53B	178B
Net Change in Cash	-30.38B	-75.07B	76.9B	-34.15B	-29.31B
Supplemental Items
Cash Interest Paid	4.38B	8.29B	30.43B	43.62B	39.81B
Cash Income Tax Paid (Refund)	3.17B	3.38B	-1.79B	1.66B	1.42B
Net Debt Issued / Repaid	-70.45B	50.71B	64.6B	-7.86B	150B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.19	0.67	1	1.03	1.05
Return On Equity %	12.37	6.93	10.3	10.84	11.73
Return on Common Equity	12.18	7.33	10.98	11.39	12.48
Shareholders Value Added	1.9B	-6.26B	-270M	345M	2B
Margin Analysis
SG&A Margin	57.94	64.07	62.86	62.65	62.8
Net Interest Income / Total Revenues %	43.13	62.22	67.84	61.15	59.32
EBT Excl. Non-Recurring Items Margin %	35.11	20.72	30.72	30.65	31.14
Income From Continuing Operations Margin %	28.02	17.83	24.65	25.61	26.68
Net Income Margin %	25.98	18.25	24.8	25.3	26.66
Net Avail. For Common Margin %	24.42	16.7	23.29	23.87	25.34
Normalized Net Income Margin	19.9	13.37	19.35	18.85	19.44
Asset quality
Nonperforming Loans / Total Loans %	0.8	0.59	0.88	0.84	0.83
Nonperforming Loans / Total Assets %	0.37	0.3	0.43	0.4	0.38
Nonperforming Assets / Total Assets %	0.38	0.31	0.44	0.41	0.4
NPAs / Loans and OREO	0.82	0.6	0.9	0.87	0.86
NPAs / Equity	3.85	3.17	4.5	4.38	4.65
Allowance for Credit Losses / Net Charge-offs %	793.52	807.52	420.92	297.21	345.44
Allowance for Credit Losses / Nonperforming Loans %	173.18	230.8	176.91	183.48	168.24
Allowance for Credit Losses / Total Loans %	1.39	1.36	1.56	1.55	1.4
Net Charge-offs / Total Average Loans %	0.18	0.17	0.37	0.52	0.43
Provision for Loan Losses / Net Charge-offs %	-263.98	95.4	155.59	90.82	91.59
Earning Assets / IBL	147.75	149.97	139.19	133.26	130.76
Interest Income / Average Assets	2.04	2.85	4.51	4.74	4.4
Interest Expense / Average Assets	0.2	0.48	1.74	2.25	2.01
Net Interest Income / Average Assets	1.84	2.37	2.78	2.49	2.39
Non Interest Income / Average Assets	2.22	1.52	1.6	1.81	1.82
Non Interest Expense / Average Asset	2.77	3.02	2.84	2.82	2.77
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.53	8.59	8.59	8.46	7.97
Total Average Equity / Total Average Assets %	9.63	9.71	9.69	9.54	8.93
Total Equity + Allowance for Loan Losses / Total Loans %	22.31	20.14	21.33	21.12	19.72
Gross Loans / Total Deposits %	60.51	69.2	69.14	66.72	69.3
Net Loans / Total Deposits %	59.56	68.13	67.89	65.5	68.18
Tier 1 Capital Ratio %	12.89	12.11	12.98	12.57	11.86
Total Capital Ratio %	15.84	14.82	15.67	15.18	14.27
Core Tier 1 Capital Ratio	11.35	10.6	11.43	11.07	10.61
Tier 2 Capital Ratio	2.96	2.71	2.7	2.61	2.4
Equity Tier 1 Capital Ratio	11.4	10.62	11.46	11.15	10.75
Coverage Ratio	-	-	-	-	-
Leverage Ratio %	8.34	8.26	8.5	8.08	7.48
Interbank Ratio	1.28K	628.93	366.46	285.2	141.37
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	9.17	3.23	2.33	2.24	2.3
EBT + Interest Expense / Interest Expense	8.36	2.65	1.66	1.54	1.63
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-10.45	25.63	16.52	-8.97	-0.4
Non Interest Income, 1 Yr. Growth %	24.98	-32.44	2.73	14.55	4.61
Provision For Loan Losses, 1 Yr. Growth %	-129.41	-136.92	251.96	-19.73	-15.6
Total Revenues, 1 Yr. Growth %	37.69	-12.54	5.99	0.99	2.67
Earnings From Cont. Operations, 1 Yr. Growth %	534.57	-44.56	42.24	4.92	6.98
Net Income, 1 Yr. Growth %	538.08	-38.82	39.96	3.03	8.19
Normalized Net Income, 1 Yr. Growth %	636.82	-40.91	23.04	-1.62	7.23
Diluted EPS Before Extra, 1 Yr. Growth %	1.05K	-36.57	47.71	11.18	16.57
Dividend Per Share, 1 Yr. Growth %	-50.82	83.33	18.18	15.38	13.33
Gross Loans, 1 Yr. Growth %	0.84	6.76	-1.94	-2.53	7.98
Allowance For Loan Losses, 1 Yr. Growth %	-32.54	3.96	12.48	-2.9	-2.72
Net Loans, 1 Yr. Growth %	1.59	6.79	-2.21	-2.55	8.21
Non Performing Loans, 1 Yr. Growth %	-17.37	-21.99	46.75	-6.37	6.09
Non Performing Assets, 1 Yr. Growth %	-17.59	-21.31	46.5	-6	7.14
Total Assets, 1 Yr. Growth %	-0.25	-3.44	2.74	-0.14	11.34
Total Deposits, 1 Yr Growth %	5.56	-6.64	-1.87	1	3.97
Tangible Book Value, 1 Yr. Growth %	3.71	-5.08	3.73	-4.09	3.1
Average Interest Earning Assets, 1 Yr. Growth %	-0.54	-2.14	0.13	1.67	3.18
Average Interest Bearing Liabilities, 1 Yr. Growth %	-7.27	-3.59	7.9	6.2	5.15
Common Equity, 1 Yr. Growth %	2.3	-4.36	3.15	-3.47	2.49
Total Equity, 1 Yr. Growth %	2.37	-4.33	2.87	-3.4	1.09
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-13.03	6.07	20.99	2.99	-4.78
Non Interest Income, 2 Yr. CAGR %	4.21	-8.38	-16.54	8.48	9.47
Provision For Loan Losses, 2 Yr. CAGR %	24.35	-67.05	13.99	68.09	-17.69
Total Revenues, 2 Yr. CAGR %	-0.76	9.58	-3.74	3.46	1.82
Earnings From Cont. Operations, 2 Yr. CAGR %	7.24	87.56	-10.58	22.16	5.94
Net Income, 2 Yr. CAGR %	4.55	97.57	-6.95	20.08	5.58
Normalized Net Income, 2 Yr. CAGR %	2.42	107.6	-6.4	10.04	2.46
Diluted EPS Before Extra, 2 Yr. CAGR %	10.01	170.23	-2.49	28.15	13.84
Dividend Per Share, 2 Yr. CAGR %	-44.1	-5.05	47.2	16.77	14.35
Gross Loans, 2 Yr. CAGR %	-3.57	3.76	2.32	-2.23	2.59
Allowance For Loan Losses, 2 Yr. CAGR %	14.36	-16.26	8.14	4.51	-2.81
Net Loans, 2 Yr. CAGR %	-3.73	4.16	2.19	-2.38	2.69
Non Performing Loans, 2 Yr. CAGR %	16.15	-19.71	6.99	17.22	-0.33
Non Performing Assets, 2 Yr. CAGR %	13.86	-19.47	7.37	17.35	0.35
Total Assets, 2 Yr. CAGR %	0.53	-1.86	-0.4	1.29	5.44
Total Deposits, 2 Yr CAGR %	5.87	-0.73	-4.28	-0.44	2.47
Tangible Book Value, 2 Yr. CAGR %	1.02	-0.79	-0.59	-0.25	-0.56
Average Interest Earning Assets, 2 Yr. CAGR %	0.23	-1.34	-1.01	0.9	2.42
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-4.78	-5.45	1.99	7.04	5.67
Common Equity, 2 Yr. CAGR %	0.44	-1.09	-0.57	-0.22	-0.54
Total Equity, 2 Yr. CAGR %	0.56	-1.04	-0.7	-0.32	-1.18
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-10.55	-1.69	9.44	10.04	1.84
Non Interest Income, 3 Yr. CAGR %	5.68	-10.05	-4.17	-7.25	7.17
Provision For Loan Losses, 3 Yr. CAGR %	33.56	-17.04	-27.43	1.42	33.6
Total Revenues, 3 Yr. CAGR %	-0.69	-4.99	8.66	-2.19	3.2
Earnings From Cont. Operations, 3 Yr. CAGR %	0.52	-13.93	73.21	-5.69	16.88
Net Income, 3 Yr. CAGR %	-1.27	-12.56	78.3	-3.74	15.98
Normalized Net Income, 3 Yr. CAGR %	-1.65	-15.03	88.2	-4.83	8.64
Diluted EPS Before Extra, 3 Yr. CAGR %	4.97	-8.43	123.95	1.87	24.17
Dividend Per Share, 3 Yr. CAGR %	-28.48	-16.95	2.14	35.72	15.62
Gross Loans, 3 Yr. CAGR %	-2	-0.25	1.82	0.68	1.06
Allowance For Loan Losses, 3 Yr. CAGR %	8.51	10.78	-7.6	4.33	2.04
Net Loans, 3 Yr. CAGR %	-2.18	-0.35	1.99	0.59	1.03
Non Performing Loans, 3 Yr. CAGR %	3.55	1.72	-1.84	2.34	13.38
Non Performing Assets, 3 Yr. CAGR %	1.78	0.67	-1.69	2.71	13.84
Total Assets, 3 Yr. CAGR %	0.91	-0.81	-0.35	-0.31	4.53
Total Deposits, 3 Yr CAGR %	4.85	1.52	-1.11	-2.55	1.01
Tangible Book Value, 3 Yr. CAGR %	-1.07	-1.06	0.82	-1.77	0.85
Average Interest Earning Assets, 3 Yr. CAGR %	0.46	-0.56	-0.85	-0.12	1.65
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-2.16	-4.38	-1.2	3.38	6.41
Common Equity, 3 Yr. CAGR %	-1.21	-1.19	0.38	-1.55	0.68
Total Equity, 3 Yr. CAGR %	-1.19	-1.1	0.31	-1.61	0.15
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-5.61	-1.93	0.93	0.16	3.51
Non Interest Income, 5 Yr. CAGR %	1.18	-5.84	-3.68	-2.66	1.07
Provision For Loan Losses, 5 Yr. CAGR %	1.96	-9.51	25.36	10.03	-23.68
Total Revenues, 5 Yr. CAGR %	-0.38	-3.42	-1.84	-1.53	5.87
Earnings From Cont. Operations, 5 Yr. CAGR %	1.06	-10.52	-3.62	-0.24	42.29
Net Income, 5 Yr. CAGR %	-0.36	-9.89	-3.09	0.01	44.59
Normalized Net Income, 5 Yr. CAGR %	-3.73	-10.52	-2.96	-1.37	47.34
Diluted EPS Before Extra, 5 Yr. CAGR %	4.41	-5.2	2.45	5.6	70.85
Dividend Per Share, 5 Yr. CAGR %	-16.91	-6.51	-4.54	-4.82	6.86
Gross Loans, 5 Yr. CAGR %	-1.59	-0.06	-0.3	-1.05	2.13
Allowance For Loan Losses, 5 Yr. CAGR %	1.81	3.37	8.36	8.23	-5.71
Net Loans, 5 Yr. CAGR %	-1.58	-0.06	-0.45	-1.16	2.27
Non Performing Loans, 5 Yr. CAGR %	-7.03	-5.95	4.91	7.65	-1.24
Non Performing Assets, 5 Yr. CAGR %	-8.41	-7.01	3.98	7.04	-0.88
Total Assets, 5 Yr. CAGR %	0.19	-0.74	0.38	0.02	1.93
Total Deposits, 5 Yr CAGR %	2.57	0.71	1.1	0.73	0.31
Tangible Book Value, 5 Yr. CAGR %	-0.6	-2.65	-0.88	-0.66	0.27
Average Interest Earning Assets, 5 Yr. CAGR %	0.56	-0.59	-0.13	0.02	0.45
Average Interest Bearing Liabilities, 5 Yr. CAGR %	-1.12	-2.51	-0.52	0.03	1.5
Common Equity, 5 Yr. CAGR %	-0.97	-2.57	-0.95	-0.76	0.01
Total Equity, 5 Yr. CAGR %	-1.06	-2.66	-1	-0.75	-0.29