Cash flow Wells Fargo & Company

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WFC

US9497461015

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Published financial data: WELLS FARGO & COMPANY

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	35.06B	29.5B	38.23B	57.52B	58.39B
Interest Income On Investments	12.74B	10.2B	15.8B	27.6B	32.39B
Interest Income, Total	47.8B	39.69B	54.02B	85.12B	90.78B
Interest On Deposits	2.8B	388M	2.35B	16.5B	24.28B
Total Interest On Borrowings	5.16B	3.53B	6.72B	16.24B	18.82B
Interest Expense, Total	7.96B	3.92B	9.07B	32.74B	43.1B
Net Interest Income	39.84B	35.78B	44.95B	52.38B	47.68B
Service Charges On Deposits	6.6B	6.92B	6.71B	6.14B	6.52B
Trust Income	2.87B	11.01B	9B	8.67B	9.78B
Total Mortgage Banking Activities	3.53B	4.92B	1.38B	829M	1.05B
Income From Trading Activities	2.71B	7.26B	1.46B	4.37B	5.43B
Gain (Loss) on Sale of Assets	71M	1.37B	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-1.4B	-	-	-	-
Total Other Non Interest Income	18.23B	11.53B	10.27B	10.22B	11.85B
Non Interest Income, Total	32.61B	43.01B	28.83B	30.22B	34.62B
Revenues Before Provison For Loan Losses	72.45B	78.79B	73.78B	82.6B	82.3B
Provision For Loan Losses	14.13B	-4.16B	1.53B	5.4B	4.33B
Total Revenues	58.32B	82.95B	72.25B	77.2B	77.96B
Salaries And Other Employee Benefits	33.04B	34.54B	33.36B	34.71B	34.45B
Amort. of Goodwill & Intang. Assets	-	-	-	-	-
Occupancy Expense	1.82B	1.63B	1.58B	1.63B	1.81B
Federal Deposit Insurance	-	-	-	-	-
Selling General & Admin Expenses, Total	13.62B	11.89B	11.34B	12.2B	12.58B
Total Other Non Interest Expense	7.72B	5.77B	10.99B	4.95B	5.22B
Non Interest Expense, Total	56.2B	53.83B	57.28B	53.48B	54.06B
EBT, Excl. Unusual Items	2.12B	29.12B	14.97B	23.72B	23.9B
Restructuring Charges	-1.5B	-76M	-5M	-	-
Asset Writedown	-37M	-227M	4M	-	-
Legal Settlements	-	-	-	-179M	-290M
Other Unusual Items	-	-	-	-1.9B	-243M
EBT, Incl. Unusual Items	581M	28.82B	14.97B	21.64B	23.36B
Income Tax Expense	-3B	5.58B	2.09B	2.61B	3.4B
Earnings From Continuing Operations	3.59B	23.24B	12.88B	19.03B	19.96B
Net Income to Company	3.59B	23.24B	12.88B	19.03B	19.96B
Minority Interest	-285M	-1.69B	300M	113M	-243M
Net Income - (IS)	3.3B	21.55B	13.18B	19.14B	19.72B
Preferred Dividend and Other Adjustments	1.59B	1.29B	1.12B	1.16B	1.12B
Net Income to Common Incl Extra Items	1.71B	20.26B	12.07B	17.98B	18.61B
Net Income to Common Excl. Extra Items	1.71B	20.26B	12.07B	17.98B	18.61B
Per Share Items
Net EPS - Basic	0.42	4.99	3.17	4.88	5.43
Basic EPS - Continuing Operations	0.42	4.99	3.17	4.88	5.43
Basic Weighted Average Shares Outstanding	4.12B	4.06B	3.81B	3.69B	3.43B
Net EPS - Diluted	0.41	4.95	3.14	4.83	5.37
Diluted EPS - Continuing Operations	0.41	4.95	3.14	4.83	5.37
Diluted Weighted Average Shares Outstanding	4.13B	4.1B	3.84B	3.72B	3.47B
Normalized Basic EPS	0.25	4.06	2.54	4.05	4.29
Normalized Diluted EPS	0.25	4.03	2.52	4.01	4.24
Dividend Per Share	1.22	0.6	1.1	1.3	1.5
Payout Ratio	186.06	16.83	40.15	30.98	31.6
American Depositary Receipts Ratio (ADR)	0.25	0.25	0.25	0.25	0.25
Supplemental Items
Effective Tax Rate - (Ratio)	-517.21	19.36	13.94	12.05	14.55
Current Domestic Taxes	98M	6.7B	843M	2.43B	3.96B
Current Foreign Taxes	211M	171M	169M	227M	345M
Total Current Taxes	309M	6.87B	1.01B	2.66B	4.31B
Deferred Domestic Taxes	-3.25B	-1.25B	1.08B	-76M	-868M
Deferred Foreign Taxes	-60M	-46M	-9M	26M	-43M
Total Deferred Taxes	-3.31B	-1.29B	1.08B	-50M	-911M
Normalized Net Income	1.04B	16.51B	9.66B	14.93B	14.69B
Non-Cash Pension Expense	33M	1M	224M	62M	72M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	1.77B	1B	978M	1.12B	1.28B
Total Stock-Based Compensation	1.77B	1B	978M	1.12B	1.28B

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	330B	299B	226B	316B	306B
Investment Securities, Total	202B	191B	174B	154B	117B
Trading Asset Securities, Total	124B	137B	109B	71.44B	74.34B
Mortgage Backed Securities	259B	300B	270B	273B	320B
Total investments	585B	628B	552B	498B	511B
Gross Loans	890B	897B	958B	939B	915B
Allowance For Loan Losses	-18.52B	-12.49B	-12.98B	-14.61B	-14.18B
Other Adjustments to Gross Loans	-1.93B	-1.62B	-1.78B	-2.4B	-2.59B
Net Loans	869B	883B	943B	922B	899B
Gross Property Plant And Equipment	36.2B	34.34B	-	-	-
Accumulated Depreciation	-15.6B	-15.78B	-	-	-
Net Property Plant And Equipment	20.6B	18.56B	17.98B	18.24B	19.43B
Goodwill	26.39B	25.18B	25.17B	25.18B	25.17B
Other Intangibles, Total	328M	211M	152M	-	-
Investment in FHLB	-	-	-	-	224M
Loans Held For Sale	36.38B	23.62B	7.1B	4.94B	6.26B
Accrued Interest Receivable	4.62B	3.62B	5.81B	6.76B	6.34B
Other Receivables	38.12B	20.83B	23.65B	30.54B	19.61B
Restricted Cash	-	1.21B	1.14B	1.22B	1.22B
Other Current Assets, Total	268M	155M	26.93B	62.54B	86.14B
Other Real Estate Owned And Foreclosed	159M	112M	137M	187M	206M
Other Long-Term Assets, Total	43.4B	44.12B	51.84B	46.14B	49.3B
Total Assets	1,955B	1,948B	1,881B	1,932B	1,930B
Liabilities
Accrued Expenses, Total	66.68B	63.69B	64.46B	66.52B	74.33B
Interest Bearing Deposits	923B	949B	917B	940B	959B
Institutional Deposits	14.01B	5.53B	9.13B	57.49B	29.68B
Non-Interest Bearing Deposits	467B	528B	458B	360B	384B
Total Deposits	1,404B	1,482B	1,384B	1,358B	1,372B
Short-Term Borrowings	75.51B	43.83B	71.23B	108B	125B
Current Portion of Long-Term Debt	24.41B	15.77B	19.61B	30.1B	18.17B
Current Portion of Leases	994M	948M	883M	875M	889M
Long-Term Debt	186B	143B	137B	156B	153B
Federal Home Loan Bank Debt - Long-Term	31M	-	17B	20.26B	-
Long-Term Leases	4B	3.55B	3.6B	3.2B	3.55B
Trust Preferred Securities (BS)	2.09B	1.76B	1.57B	1.6B	1.59B
Deferred Tax Liability Non-Current	4.76B	2.79B	130M	631M	-
Other Non Current Liabilities	-	-	-	-	-
Total Liabilities	1,769B	1,758B	1,699B	1,745B	1,749B
Preferred Stock Redeemable	14.42B	10.05B	10.05B	10.74B	7.9B
Preferred Stock Non Redeemable	690M	4.2B	4.2B	3.51B	5.51B
Preferred Stock Convertible	5.97B	5.81B	5.2B	5.2B	5.2B
Preferred Stock - Others	-822M	-646M	-429M	-	-
Total Preferred Equity	20.26B	19.41B	19.02B	19.45B	18.61B
Common Stock, Total	9.14B	9.14B	9.14B	9.14B	9.14B
Additional Paid In Capital	60.2B	60.2B	60.32B	60.56B	60.82B
Retained Earnings	163B	180B	188B	201B	214B
Treasury Stock	-67.79B	-79.76B	-82.85B	-92.96B	-111B
Comprehensive Income and Other	194M	-1.7B	-13.38B	-11.58B	-12.18B
Total Common Equity	165B	168B	161B	166B	161B
Minority Interest	1.03B	2.5B	1.99B	1.71B	1.95B
Total Equity	186B	190B	182B	187B	181B
Total Liabilities And Equity	1,955B	1,948B	1,881B	1,932B	1,930B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	4.13B	3.81B	3.79B	3.58B	3.29B
ECS Total Common Shares Outstanding	4.14B	3.89B	3.83B	3.6B	3.29B
Book Value / Share	39.73	43.28	41.96	46.21	48.8
Tangible Book Value	138B	143B	136B	141B	135B
Tangible Book Value Per Share	33.28	36.75	35.36	39.21	41.15
Tangible Book Value Per Share (As Reported)	33.04	36.35	34.89	39.23	41.24
Average Assets	1,944B	1,942B	1,894B	1,885B	1,917B
Average Loans	969B	892B	944B	950B	922B
Total Debt	293B	209B	251B	320B	303B
Deposits at Interest - Cash	236B	210B	125B	204B	166B
Federal Funds Sold	65.67B	66.22B	68.04B	80.46B	105B
Debt Equivalent of Unfunded Proj. Benefit Obligation	451M	-48M	-68M	-133M	-335M
Net Debt	-161B	-227B	-84.4B	-68.19B	-79.17B
Equity Method Investments, Total	20.46B	8.2B	9.67B	10.25B	3.31B
Full Time Employees	269K	248K	238K	226K	217K
Number Of Offices	-	-	-	-	-
Assets under Capital Lease - Gross	-	-	-	-	-
Assets on Operating Lease - Gross	10.5B	9.28B	-	-	-
Assets on Operating Lease - Accumulated Depreciation	-3.1B	-3.1B	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	3.3B	21.55B	13.18B	19.14B	19.72B
Depreciation, Depletion & Amortization	8.33B	7.58B	6.53B	6.03B	7.33B
Amortization of Goodwill and Intangible Assets - (CF)	366M	264M	302M	238M	231M
Total Depreciation, Depletion & Amortization	8.7B	7.85B	6.83B	6.27B	7.56B
(Gain) Loss On Sale of Asset - (CF)	5.26B	-	-	-	-
Total Asset Writedown	37M	41M	4M	-	-
Provision for Credit Losses	14.13B	-4.16B	1.53B	5.4B	4.33B
Stock-Based Compensation (CF)	1.77B	-	-	-	-
Tax Benefit from Stock Options	-	-	-	-	-
Net (Increase) Decrease in Loans Originated / Sold - Operating	-59.37B	-57.63B	-9.49B	-3.57B	-6.17B
Change in Trading Asset Securities	37.72B	16.86B	39.44B	7.5B	-24.28B
Changes in Accrued Interest Receivable	-	-	-	-	-
Changes in Accrued Interest Payable	-	-	-	-	-
Change In Deferred Taxes	-3.31B	-	-	-	-
Change in Other Net Operating Assets (Collected)	-10.78B	16.94B	-9.37B	-2.22B	4.01B
Other Operating Activities	4.61B	-12.98B	-15.08B	7.84B	-2.14B
Cash from Operations	2.05B	-11.52B	27.05B	40.36B	3.04B
Cash Acquisitions	-	-	-	-	-
Purchase / Sale of Intangible Assets	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	28.66B	-11.25B	19.23B	14.05B	-9.89B
Net (Increase) Decrease in Loans Originated / Sold - Investing	56.64B	397M	-61.81B	14.33B	21.45B
Other Investing Activities, Total	37.25B	3.23B	101M	-12.34B	-27.22B
Cash from Investing	123B	-7.62B	-42.48B	16.04B	-15.65B
Short Term Debt Issued, Total	-	-	16.56B	38.41B	18.71B
Long-Term Debt Issued, Total	38.14B	1.28B	53.74B	49.07B	29.01B
Total Debt Issued	38.14B	1.28B	70.3B	87.48B	47.72B
Short Term Debt Repaid, Total	-45.51B	-24.59B	-	-	-
Long-Term Debt Repaid, Total	-65.35B	-47.13B	-19.59B	-22.89B	-55.58B
Total Debt Repaid	-111B	-71.72B	-19.59B	-22.89B	-55.58B
Issuance of Common Stock	571M	-	-	-	-
Repurchase of Common Stock	-3.76B	-14.46B	-6.03B	-11.85B	-19.45B
Issuance of Preferred Stock	3.12B	5.76B	-	1.72B	2B
Repurchase of Preferred Stock	-3.6B	-6.68B	-	-1.72B	-2.84B
Common Dividends Paid	-4.85B	-2.42B	-4.18B	-4.79B	-5.13B
Preferred Dividends Paid	-1.29B	-1.2B	-1.12B	-1.14B	-1.1B
Common & Preferred Stock Dividends Paid	-6.14B	-3.63B	-5.29B	-5.93B	-6.23B
Net Increase (Decrease) in Deposit Accounts - (CF)	81.76B	78.58B	-98.49B	-25.81B	13.63B
Other Financing Activities, Total	-462M	-361M	-539M	-509M	-784M
Cash from Financing	-1.24B	-11.24B	-59.64B	20.49B	-21.53B
Net Change in Cash	123B	-30.38B	-75.07B	76.9B	-34.15B
Supplemental Items
Cash Interest Paid	8.41B	4.38B	8.29B	30.43B	43.62B
Cash Income Tax Paid (Refund)	1.18B	3.17B	3.38B	-1.79B	1.66B
Net Debt Issued / Repaid	-72.72B	-70.45B	50.71B	64.6B	-7.86B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.18	1.19	0.67	1	1.03
Return On Equity %	1.92	12.37	6.93	10.3	10.84
Return on Common Equity	1.03	12.18	7.33	10.98	11.39
Shareholders Value Added	-15.28B	1.9B	-6.26B	-270M	345M
Margin Analysis
SG&A Margin	83.13	57.94	64.07	62.86	62.65
Net Interest Income / Total Revenues %	68.31	43.13	62.22	67.84	61.15
EBT Excl. Non-Recurring Items Margin %	3.63	35.11	20.72	30.72	30.65
Income From Continuing Operations Margin %	6.15	28.02	17.83	24.65	25.61
Net Income Margin %	5.66	25.98	18.25	24.8	25.3
Net Avail. For Common Margin %	2.93	24.42	16.7	23.29	23.87
Normalized Net Income Margin	1.78	19.9	13.37	19.35	18.85
Asset quality
Nonperforming Loans / Total Loans %	0.98	0.8	0.59	0.88	0.84
Nonperforming Loans / Total Assets %	0.45	0.37	0.3	0.43	0.4
Nonperforming Assets / Total Assets %	0.45	0.38	0.31	0.44	0.41
NPAs / Loans and OREO	1	0.82	0.6	0.9	0.87
NPAs / Equity	4.78	3.85	3.17	4.5	4.38
Allowance for Credit Losses / Net Charge-offs %	562.97	793.52	807.52	420.92	297.21
Allowance for Credit Losses / Nonperforming Loans %	212.14	173.18	230.8	176.91	183.48
Allowance for Credit Losses / Total Loans %	2.08	1.39	1.36	1.56	1.55
Net Charge-offs / Total Average Loans %	0.34	0.18	0.17	0.37	0.52
Provision for Loan Losses / Net Charge-offs %	429.58	-263.98	95.4	155.59	90.82
Earning Assets / IBL	137.75	147.75	149.97	139.19	133.26
Interest Income / Average Assets	2.46	2.04	2.85	4.51	4.74
Interest Expense / Average Assets	0.41	0.2	0.48	1.74	2.25
Net Interest Income / Average Assets	2.05	1.84	2.37	2.78	2.49
Non Interest Income / Average Assets	1.68	2.22	1.52	1.6	1.81
Non Interest Expense / Average Asset	2.89	2.77	3.02	2.84	2.82
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.53	8.53	8.59	8.59	8.46
Total Average Equity / Total Average Assets %	9.63	9.63	9.71	9.69	9.54
Total Equity + Allowance for Loan Losses / Total Loans %	22.87	22.31	20.14	21.33	21.12
Gross Loans / Total Deposits %	63.34	60.51	69.2	69.14	66.72
Net Loans / Total Deposits %	61.89	59.56	68.13	67.89	65.5
Tier 1 Capital Ratio %	13.25	12.89	12.11	12.98	12.57
Total Capital Ratio %	16.47	15.84	14.82	15.67	15.18
Core Tier 1 Capital Ratio	11.59	11.35	10.6	11.43	11.07
Tier 2 Capital Ratio	3.22	2.96	2.71	2.7	2.61
Equity Tier 1 Capital Ratio	11.47	11.4	10.62	11.46	11.15
Coverage Ratio	-	-	-	-	-
Leverage Ratio %	8.32	8.34	8.26	8.5	8.08
Interbank Ratio	646.27	1.28K	628.93	366.46	285.2
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	1.11	9.17	3.23	2.33	2.24
EBT + Interest Expense / Interest Expense	1.07	8.36	2.65	1.66	1.54
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-15.66	-10.45	25.63	16.52	-8.97
Non Interest Income, 1 Yr. Growth %	-13.98	24.98	-32.44	2.73	14.55
Provision For Loan Losses, 1 Yr. Growth %	425.83	-129.41	-136.92	251.96	-19.73
Total Revenues, 1 Yr. Growth %	-29.27	37.69	-12.54	5.99	0.99
Earnings From Cont. Operations, 1 Yr. Growth %	-82.11	534.57	-44.56	42.24	4.92
Net Income, 1 Yr. Growth %	-83.11	538.08	-38.82	39.96	3.03
Normalized Net Income, 1 Yr. Growth %	-92.9	636.82	-40.91	23.04	-1.62
Diluted EPS Before Extra, 1 Yr. Growth %	-89.88	1.05K	-36.57	47.71	11.18
Dividend Per Share, 1 Yr. Growth %	-36.46	-50.82	83.33	18.18	15.38
Gross Loans, 1 Yr. Growth %	-7.79	0.84	6.76	-1.94	-2.53
Allowance For Loan Losses, 1 Yr. Growth %	93.86	-32.54	3.96	12.48	-2.9
Net Loans, 1 Yr. Growth %	-8.77	1.59	6.79	-2.21	-2.55
Non Performing Loans, 1 Yr. Growth %	63.26	-17.37	-21.99	46.75	-6.37
Non Performing Assets, 1 Yr. Growth %	57.32	-17.59	-21.31	46.5	-6
Total Assets, 1 Yr. Growth %	1.43	-0.25	-3.44	2.74	-0.14
Total Deposits, 1 Yr Growth %	6.18	5.56	-6.64	-1.87	1
Tangible Book Value, 1 Yr. Growth %	-1.44	3.71	-5.08	3.73	-4.09
Average Interest Earning Assets, 1 Yr. Growth %	1.01	-0.54	-2.14	0.13	1.67
Average Interest Bearing Liabilities, 1 Yr. Growth %	-2.22	-7.27	-3.59	7.9	6.2
Common Equity, 1 Yr. Growth %	-1.27	2.3	-4.36	3.15	-3.47
Total Equity, 1 Yr. Growth %	-1.1	2.37	-4.33	2.87	-3.4
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-10.74	-13.03	6.07	20.99	2.99
Non Interest Income, 2 Yr. CAGR %	-5.4	4.21	-8.38	-16.54	8.48
Provision For Loan Losses, 2 Yr. CAGR %	184.63	24.35	-67.05	13.99	68.09
Total Revenues, 2 Yr. CAGR %	-17.02	-0.76	9.58	-3.74	3.46
Earnings From Cont. Operations, 2 Yr. CAGR %	-60.41	7.24	87.56	-10.58	22.16
Net Income, 2 Yr. CAGR %	-61.61	4.55	97.57	-6.95	20.08
Normalized Net Income, 2 Yr. CAGR %	-75.54	2.42	107.6	-6.4	10.04
Diluted EPS Before Extra, 2 Yr. CAGR %	-69.05	10.01	170.23	-2.49	28.15
Dividend Per Share, 2 Yr. CAGR %	-13.75	-44.1	-5.05	47.2	16.77
Gross Loans, 2 Yr. CAGR %	-3.39	-3.57	3.76	2.32	-2.23
Allowance For Loan Losses, 2 Yr. CAGR %	37.63	14.36	-16.26	8.14	4.51
Net Loans, 2 Yr. CAGR %	-4.01	-3.73	4.16	2.19	-2.38
Non Performing Loans, 2 Yr. CAGR %	15.91	16.15	-19.71	6.99	17.22
Non Performing Assets, 2 Yr. CAGR %	13.1	13.86	-19.47	7.37	17.35
Total Assets, 2 Yr. CAGR %	1.55	0.53	-1.86	-0.4	1.29
Total Deposits, 2 Yr CAGR %	4.49	5.87	-0.73	-4.28	-0.44
Tangible Book Value, 2 Yr. CAGR %	-3.3	1.02	-0.79	-0.59	-0.25
Average Interest Earning Assets, 2 Yr. CAGR %	0.97	0.23	-1.34	-1.01	0.9
Average Interest Bearing Liabilities, 2 Yr. CAGR %	0.5	-4.78	-5.45	1.99	7.04
Common Equity, 2 Yr. CAGR %	-2.86	0.44	-1.09	-0.57	-0.22
Total Equity, 2 Yr. CAGR %	-2.87	0.56	-1.04	-0.7	-0.32
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-7.02	-10.55	-1.69	9.44	10.04
Non Interest Income, 3 Yr. CAGR %	-5.76	5.68	-10.05	-4.17	-7.25
Provision For Loan Losses, 3 Yr. CAGR %	77.46	33.56	-17.04	-27.43	1.42
Total Revenues, 3 Yr. CAGR %	-12.14	-0.69	-4.99	8.66	-2.19
Earnings From Cont. Operations, 3 Yr. CAGR %	-45.75	0.52	-13.93	73.21	-5.69
Net Income, 3 Yr. CAGR %	-47.01	-1.27	-12.56	78.3	-3.74
Normalized Net Income, 3 Yr. CAGR %	-60.49	-1.65	-15.03	88.2	-4.83
Diluted EPS Before Extra, 3 Yr. CAGR %	-53.58	4.97	-8.43	123.95	1.87
Dividend Per Share, 3 Yr. CAGR %	-7.47	-28.48	-16.95	2.14	35.72
Gross Loans, 3 Yr. CAGR %	-2.53	-2	-0.25	1.82	0.68
Allowance For Loan Losses, 3 Yr. CAGR %	18.94	8.51	10.78	-7.6	4.33
Net Loans, 3 Yr. CAGR %	-2.78	-2.18	-0.35	1.99	0.59
Non Performing Loans, 3 Yr. CAGR %	4.51	3.55	1.72	-1.84	2.34
Non Performing Assets, 3 Yr. CAGR %	2.35	1.78	0.67	-1.69	2.71
Total Assets, 3 Yr. CAGR %	0.06	0.91	-0.81	-0.35	-0.31
Total Deposits, 3 Yr CAGR %	1.68	4.85	1.52	-1.11	-2.55
Tangible Book Value, 3 Yr. CAGR %	-3.83	-1.07	-1.06	0.82	-1.77
Average Interest Earning Assets, 3 Yr. CAGR %	-0.08	0.46	-0.56	-0.85	-0.12
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-0.5	-2.16	-4.38	-1.2	3.38
Common Equity, 3 Yr. CAGR %	-3.51	-1.21	-1.19	0.38	-1.55
Total Equity, 3 Yr. CAGR %	-3.68	-1.19	-1.1	0.31	-1.61
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-2.54	-5.61	-1.93	0.93	0.16
Non Interest Income, 5 Yr. CAGR %	-4.4	1.18	-5.84	-3.68	-2.66
Provision For Loan Losses, 5 Yr. CAGR %	42.06	1.96	-9.51	25.36	10.03
Total Revenues, 5 Yr. CAGR %	-6.97	-0.38	-3.42	-1.84	-1.53
Earnings From Cont. Operations, 5 Yr. CAGR %	-31.21	1.06	-10.52	-3.62	-0.24
Net Income, 5 Yr. CAGR %	-32.11	-0.36	-9.89	-3.09	0.01
Normalized Net Income, 5 Yr. CAGR %	-45.01	-3.73	-10.52	-2.96	-1.37
Diluted EPS Before Extra, 5 Yr. CAGR %	-36.97	4.41	-5.2	2.45	5.6
Dividend Per Share, 5 Yr. CAGR %	-3.72	-16.91	-6.51	-4.54	-4.82
Gross Loans, 5 Yr. CAGR %	-0.68	-1.59	-0.06	-0.3	-1.05
Allowance For Loan Losses, 5 Yr. CAGR %	9.91	1.81	3.37	8.36	8.23
Net Loans, 5 Yr. CAGR %	-0.81	-1.58	-0.06	-0.45	-1.16
Non Performing Loans, 5 Yr. CAGR %	-5.17	-7.03	-5.95	4.91	7.65
Non Performing Assets, 5 Yr. CAGR %	-7.05	-8.41	-7.01	3.98	7.04
Total Assets, 5 Yr. CAGR %	1.81	0.19	-0.74	0.38	0.02
Total Deposits, 5 Yr CAGR %	2.8	2.57	0.71	1.1	0.73
Tangible Book Value, 5 Yr. CAGR %	-0.79	-0.6	-2.65	-0.88	-0.66
Average Interest Earning Assets, 5 Yr. CAGR %	2.43	0.56	-0.59	-0.13	0.02
Average Interest Bearing Liabilities, 5 Yr. CAGR %	2.38	-1.12	-2.51	-0.52	0.03
Common Equity, 5 Yr. CAGR %	-0.89	-0.97	-2.57	-0.95	-0.76
Total Equity, 5 Yr. CAGR %	-0.84	-1.06	-2.66	-1	-0.75