Cash flow Commonwealth Bank of Australia

Equities

CBA

AU000000CBA7

Banks

Delayed Australian S.E. Other stock markets 10:38:50 15/04/26 am AEST			5-day change	1st Jan Change
183.96 ^AUD	+0.24%		+2.14%	+14.64%

14/04	Australian shares advance on mining gains, Iran peace deal optimism persists	RE
14/04	Australian Banks Take 'Decisive Action' to Disrupt Transactions Supporting Illicit Tobacco Trade, Austrac Says	MT

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Published financial data: COMMONWEALTH BANK OF AUSTRALIA

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: June	2021	2022	2023	2024	2025
Interest Income On Loans	24.45B	23.99B	43.18B	57.4B	61.42B
Interest Income On Investments	210M	306M	1.29B	3.65B	3.69B
Interest Income, Total	24.66B	24.29B	44.48B	61.04B	65.11B
Interest On Deposits	5.82B	4.82B	21.42B	38.22B	41.09B
Interest Expense, Total	5.82B	4.82B	21.42B	38.22B	41.09B
Net Interest Income	18.84B	19.47B	23.06B	22.82B	24.02B
Trust Income	165M	135M	-	-	-
Income From Trading Activities	-	-	-	1.12B	-
Gain (Loss) on Sale of Assets	-4M	12M	-4M	-2M	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-	-	-	-	-
Income (Loss) on Equity Invest. (Income Block)	599M	1.01B	113M	-95M	-145M
Total Other Non Interest Income	4.93B	4.44B	4.37B	3.07B	4.41B
Non Interest Income, Total	5.69B	5.6B	4.48B	4.1B	4.27B
Revenues Before Provison For Loan Losses	24.53B	25.08B	27.54B	26.92B	28.29B
Provision For Loan Losses	554M	-357M	1.11B	802M	726M
Total Revenues	23.97B	25.43B	26.43B	26.12B	27.56B
Salaries And Other Employee Benefits	5.95B	6.47B	7.12B	7.36B	7.82B
Stock-Based Compensation (IS)	100M	111M	123M	130M	161M
Amort. of Goodwill & Intang. Assets	535M	372M	395M	685M	683M
Occupancy Expense	1.16B	978M	950M	995M	957M
Selling General & Admin Expenses, Total	2.58B	2.66B	2.5B	2.39B	2.6B
Total Other Non Interest Expense	1.02B	649M	779M	658M	783M
Non Interest Expense, Total	11.35B	11.25B	11.86B	12.22B	13B
EBT, Excl. Unusual Items	12.62B	14.19B	14.57B	13.9B	14.57B
Restructuring Charges	-126M	-181M	-221M	-119M	-19M
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-121M	-321M	-6M	-	-
Legal Settlements	-	-	-	-	-
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	12.38B	13.68B	14.34B	13.78B	14.55B
Income Tax Expense	3.53B	4.01B	4.16B	4.3B	4.42B
Earnings From Continuing Operations	8.84B	9.67B	10.19B	9.48B	10.13B
Earnings Of Discontinued Operations	1.34B	1.1B	-98M	-87M	-17M
Net Income to Company	10.18B	10.77B	10.09B	9.39B	10.12B
Minority Interest	-	-	-	-	-
Net Income - (IS)	10.18B	10.77B	10.09B	9.39B	10.12B
Preferred Dividend and Other Adjustments	-	-	-	-	-
Net Income to Common Incl Extra Items	10.18B	10.77B	10.09B	9.39B	10.12B
Net Income to Common Excl. Extra Items	8.84B	9.67B	10.19B	9.48B	10.13B
Per Share Items
Net EPS - Basic	5.75	6.25	5.97	5.62	6.05
Basic EPS - Continuing Operations	4.99	5.62	6.03	5.67	6.06
Basic Weighted Average Shares Outstanding	1.77B	1.72B	1.69B	1.67B	1.67B
Net EPS - Diluted	5.4	6.01	5.84	5.58	6.04
Diluted EPS - Continuing Operations	4.71	5.41	5.89	5.63	6.05
Diluted Weighted Average Shares Outstanding	1.93B	1.83B	1.8B	1.78B	1.68B
Normalized Basic EPS	4.45	5.15	5.39	5.19	5.45
Normalized Diluted EPS	4.08	4.84	5.06	4.87	5.44
Dividend Per Share	3.5	3.85	4.5	4.65	4.85
Payout Ratio	40.59	60.67	70.54	81.15	78.58
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	28.54	29.31	28.97	31.21	30.35
Current Domestic Taxes	3.12B	3.04B	3.58B	3.5B	3.72B
Current Foreign Taxes	568M	727M	697M	666M	718M
Total Current Taxes	3.69B	3.77B	4.28B	4.16B	4.44B
Deferred Domestic Taxes	-119M	213M	-118M	144M	7M
Deferred Foreign Taxes	-39M	26M	-7M	-6M	-30M
Total Deferred Taxes	-158M	239M	-125M	138M	-23M
Normalized Net Income	7.89B	8.87B	9.11B	8.69B	9.1B
Non-Cash Pension Expense	-15M	-13M	-26M	-31M	-21M
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	100M	111M	123M	130M	161M
Total Stock-Based Compensation	100M	111M	123M	130M	161M

Fiscal Period: June	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	87.38B	119B	107B	47.32B	54.38B
Investment Securities, Total	103B	124B	135B	180B	187B
Trading Asset Securities, Total	58.06B	60.99B	52.52B	50.97B	71.57B
Mortgage Backed Securities	4.28B	3.22B	2.03B	1.24B	633M
Total investments	166B	188B	190B	233B	259B
Gross Loans	818B	885B	933B	950B	1,016B
Allowance For Loan Losses	-6.1B	-5.23B	-5.79B	-5.91B	-6.17B
Other Adjustments to Gross Loans	-810M	-879M	-1.38B	-1.83B	-1.95B
Net Loans	811B	879B	926B	942B	1,008B
Gross Property Plant And Equipment	9.23B	9.26B	9.7B	7.81B	-
Accumulated Depreciation	-3.94B	-4.38B	-4.75B	-4.13B	-
Net Property Plant And Equipment	5.28B	4.89B	4.95B	3.68B	3.56B
Goodwill	5.32B	5.3B	5.3B	5.28B	5.29B
Other Intangibles, Total	1.62B	1.6B	2.1B	2.32B	2.79B
Accrued Interest Receivable	1.69B	1.99B	3.81B	4.45B	4.5B
Other Receivables	2.14B	1.46B	1.43B	1.17B	1.55B
Restricted Cash	4.16B	5.88B	5.24B	5.07B	6.48B
Other Current Assets, Total	1.67B	1.81B	550M	1.5B	860M
Deferred Tax Assets Long-Term (Collected)	2.07B	3.17B	3.81B	3.77B	2.6B
Other Long-Term Assets, Total	3.64B	2.99B	2.43B	4.78B	5.03B
Total Assets	1,092B	1,215B	1,253B	1,254B	1,354B
Liabilities
Accrued Expenses, Total	2.03B	3.96B	4.34B	4.35B	4.79B
Interest Bearing Deposits	633B	681B	745B	768B	814B
Institutional Deposits	-	-	-	-	-
Non-Interest Bearing Deposits	114B	144B	120B	111B	116B
Total Deposits	747B	824B	864B	879B	930B
Short-Term Borrowings	40.73B	87.65B	70.7B	90.36B	108B
Current Portion of Long-Term Debt	45.59B	42.34B	38.27B	42.78B	54.49B
Current Portion of Leases	492M	489M	477M	446M	456M
Long-Term Debt	160B	164B	182B	136B	151B
Long-Term Leases	2.68B	2.44B	2.25B	2.01B	1.82B
Current Income Taxes Payable	135M	263M	671M	503M	780M
Accrued Interest Payable	1.13B	1.48B	5.38B	7.23B	6.64B
Other Current Liabilities - (Bank / Utility Template)	7.2B	10.18B	8.09B	13.61B	11.82B
Unearned Revenue Non Current	1.44B	912M	872M	763M	777M
Pension & Other Post Retirement Benefits	1.14B	1.09B	1.08B	1.11B	1.12B
Deferred Tax Liability Non-Current	228M	150M	138M	111M	64M
Other Non Current Liabilities	2.96B	3.03B	2.41B	2.43B	3.34B
Total Liabilities	1,013B	1,142B	1,181B	1,181B	1,275B
Common Stock, Total	38.55B	36.61B	34.08B	33.79B	33.78B
Retained Earnings	37.04B	36.83B	39.8B	41.6B	43.97B
Treasury Stock	-126M	-141M	-162M	-158M	-215M
Comprehensive Income and Other	3.25B	-460M	-1.71B	-2.15B	1.24B
Total Common Equity	78.71B	72.83B	72B	73.09B	78.78B
Minority Interest	5M	5M	5M	-	-
Total Equity	78.72B	72.84B	72B	73.09B	78.78B
Total Liabilities And Equity	1,092B	1,215B	1,253B	1,254B	1,354B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.77B	1.7B	1.67B	1.67B	1.67B
ECS Total Common Shares Outstanding	1.77B	1.7B	1.67B	1.67B	1.67B
Book Value / Share	44.41	42.84	43	43.71	47.12
Tangible Book Value	71.77B	65.93B	64.61B	65.49B	70.69B
Tangible Book Value Per Share	40.49	38.79	38.58	39.17	42.29
Tangible Book Value Per Share (As Reported)	40.1	38.7	38.5	39.1	42.2
Average Assets	1,040B	1,149B	1,234B	1,267B	1,292B
Average Loans	735B	785B	837B	853B	886B
Total Debt	250B	297B	293B	272B	316B
Deposits at Interest - Cash	42M	-	-	-	-
Debt Equivalent of Unfunded Proj. Benefit Obligation	-521M	-580M	-648M	-436M	-596M
Net Debt	91.82B	74.8B	85.24B	91.61B	111B
Equity Method Investments, Total	3.94B	2.8B	2.85B	1.67B	819M
Full Time Employees	44.38K	49.24K	32.23K	45.63K	48.58K
Part Time Employees	-	-	6.66K	6.76K	6.44K
Number Of Offices	-	-	-	-	-

Fiscal Period: June	2021	2022	2023	2024	2025
Net Income	10.18B	10.77B	10.09B	9.39B	10.12B
Depreciation, Depletion & Amortization	1.43B	825M	709M	813M	715M
Amortization of Goodwill and Intangible Assets - (CF)	-	-	-	-	-
Total Depreciation, Depletion & Amortization	1.43B	825M	709M	813M	715M
Amortization of Deferred Charges, Total	-	372M	395M	685M	683M
(Gain) Loss On Sale of Asset - (CF)	-836M	-2.09B	-287M	223M	-
(Gain) Loss on Sale of Investments - (CF)	-40M	-8M	7M	25M	-1M
Total Asset Writedown	-	321M	6M	-	-
Provision for Credit Losses	554M	-357M	1.11B	802M	726M
(Income) Loss On Equity Investments - (CF)	-580M	-500M	-113M	95M	90M
Change in Trading Asset Securities	-911M	14.59B	-36.87B	-11B	-1.21B
Changes in Accrued Interest Receivable	213M	-162M	-1.8B	-645M	-596M
Changes in Accrued Interest Payable	-591M	316M	3.88B	1.85B	17M
Change In Income Taxes	-755M	97M	400M	-178M	274M
Change In Deferred Taxes	237M	-1.14B	-644M	39M	-135M
Change in Other Net Operating Assets (Collected)	-28.64B	-80.99B	-23.41B	-49.93B	-70.19B
Other Operating Activities	-140M	1.46B	-239M	-336M	-776M
Net Cash From Discontinued Operations	-	-	-	-	-
Cash from Operations	-19.88B	-56.5B	-46.78B	-48.16B	-60.28B
Capital Expenditure	-235M	-231M	-683M	-401M	-478M
Sale of Property, Plant, and Equipment	57M	108M	74M	25M	1.04B
Cash Acquisitions	-61M	-	-	-9M	-
Divestitures	682M	1.98B	567M	123M	-
Purchase / Sale of Intangible Assets	-532M	-746M	-885M	-921M	-1.16B
Investment in Marketable and Equity Securities, Total	832M	1.53B	-41M	-25M	128M
Other Investing Activities, Total	128M	30M	95M	94M	138M
Cash from Investing	871M	2.67B	-873M	-1.11B	-329M
Long-Term Debt Issued, Total	74.95B	71.69B	59.5B	57.61B	89.27B
Total Debt Issued	74.95B	71.69B	59.5B	57.61B	89.27B
Long-Term Debt Repaid, Total	-52.59B	-52.94B	-53.5B	-82.88B	-73.58B
Total Debt Repaid	-52.59B	-52.94B	-53.5B	-82.88B	-73.58B
Issuance of Common Stock	5M	48M	-	-	-
Repurchase of Common Stock	-71M	-6.55B	-2.63B	-362M	-154M
Common Dividends Paid	-4.13B	-6.54B	-7.12B	-7.62B	-7.95B
Common & Preferred Stock Dividends Paid	-4.13B	-6.54B	-7.12B	-7.62B	-7.95B
Net Increase (Decrease) in Deposit Accounts - (CF)	61.19B	79.74B	38.38B	22.54B	59.46B
Other Financing Activities, Total	153M	-	-	-	-
Cash from Financing	79.5B	85.45B	34.64B	-10.71B	67.05B
Foreign Exchange Rate Adjustments	-465M	355M	828M	138M	623M
Net Change in Cash	60.03B	31.98B	-12.18B	-59.85B	7.06B
Supplemental Items
Cash Interest Paid	6.42B	4.43B	18.21B	34.84B	40.4B
Cash Income Tax Paid (Refund)	3.67B	3.53B	3.87B	4.31B	4.2B
Net Debt Issued / Repaid	22.36B	18.74B	6B	-25.27B	15.69B

Fiscal Period: June	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.84	0.84	0.83	0.76	0.78
Return On Equity %	11.74	12.77	14.07	13.1	13.34
Return on Common Equity	11.74	12.77	14.07	13.1	13.34
Shareholders Value Added	1.22B	1.79B	1.54B	785M	1.02B
Margin Analysis
SG&A Margin	40.43	39.77	39.96	41.14	41.25
Net Interest Income / Total Revenues %	78.59	76.57	87.24	87.38	87.15
EBT Excl. Non-Recurring Items Margin %	52.65	55.78	55.13	53.22	52.85
Income From Continuing Operations Margin %	36.89	38.03	38.55	36.3	36.76
Net Income Margin %	42.47	42.35	38.18	35.97	36.7
Net Avail. For Common Margin %	36.89	38.03	38.55	36.3	36.76
Normalized Net Income Margin	32.91	34.86	34.46	33.26	33.03
Asset quality
Nonperforming Loans / Total Loans %	0.28	0.17	0.8	0.99	1.05
Nonperforming Loans / Total Assets %	0.21	0.12	0.59	0.75	0.79
Nonperforming Assets / Total Assets %	0.21	0.12	0.59	0.75	0.79
NPAs / Loans and OREO	0.28	0.17	0.8	0.99	1.05
NPAs / Equity	2.89	2.07	10.33	12.87	13.58
Allowance for Credit Losses / Net Charge-offs %	837.91	937.28	1.01K	929.56	1.01K
Allowance for Credit Losses / Nonperforming Loans %	267.9	347.05	77.87	62.85	57.72
Allowance for Credit Losses / Total Loans %	0.75	0.59	0.62	0.62	0.61
Net Charge-offs / Total Average Loans %	0.1	0.07	0.07	0.07	0.07
Provision for Loan Losses / Net Charge-offs %	76.1	-63.98	192.36	126.1	118.82
Earning Assets / IBL	119.68	122	120.96	117.8	117.46
Interest Income / Average Assets	2.37	2.11	3.6	4.82	5.04
Interest Expense / Average Assets	0.56	0.42	1.74	3.02	3.18
Net Interest Income / Average Assets	1.81	1.7	1.87	1.8	1.86
Non Interest Income / Average Assets	0.55	0.49	0.36	0.32	0.33
Non Interest Expense / Average Asset	1.09	0.98	0.96	0.96	1.01
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.15	6.57	5.87	5.77	5.82
Total Average Equity / Total Average Assets %	7.15	6.57	5.87	5.77	5.82
Total Equity + Allowance for Loan Losses / Total Loans %	10.36	8.82	8.34	8.32	8.36
Gross Loans / Total Deposits %	109.53	107.34	107.95	108.05	109.23
Net Loans / Total Deposits %	108.61	106.6	107.13	107.17	108.35
Tier 1 Capital Ratio %	15.7	13.6	14.5	14.3	13.9
Total Capital Ratio %	19.8	17.6	20	20.9	20.9
Core Tier 1 Capital Ratio	13.1	11.5	12.2	12.3	12.3
Tier 2 Capital Ratio	4.1	4	5.5	6.6	7
Coverage Ratio	181.55	179.05	174.11	151.59	57.72
Interbank Ratio	89.28	120.89	140.43	169.91	156.1
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	3.13	3.84	1.67	1.36	1.35
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	1.23	0.89	18.4	-1.01	5.25
Non Interest Income, 1 Yr. Growth %	5.16	7.24	-16.96	-6.42	4.15
Provision For Loan Losses, 1 Yr. Growth %	-78	-164.44	-410.36	-27.62	-9.48
Total Revenues, 1 Yr. Growth %	11.5	6.09	4.77	-0.79	5.53
Earnings From Cont. Operations, 1 Yr. Growth %	19.69	9.39	5.32	-6.09	6.88
Net Income, 1 Yr. Growth %	6.14	5.8	-6.32	-6.04	7.69
Normalized Net Income, 1 Yr. Growth %	17.55	12.39	5.6	-3.92	4.8
Diluted EPS Before Extra, 1 Yr. Growth %	16.17	15.04	8.82	-3.65	7.54
Dividend Per Share, 1 Yr. Growth %	17.45	10	16.88	3.33	4.3
Gross Loans, 1 Yr. Growth %	4.89	8.15	5.46	1.79	6.94
Allowance For Loan Losses, 1 Yr. Growth %	-2.31	-14.26	10.73	2.09	4.41
Net Loans, 1 Yr. Growth %	4.96	8.32	5.37	1.74	6.96
Non Performing Loans, 1 Yr. Growth %	-14.69	-33.82	2.99	26.48	13.7
Non Performing Assets, 1 Yr. Growth %	-14.69	-33.82	2.99	26.48	13.7
Total Assets, 1 Yr. Growth %	7.53	11.29	3.09	0.13	7.95
Total Deposits, 1 Yr Growth %	8.8	10.36	4.86	1.7	5.79
Tangible Book Value, 1 Yr. Growth %	10.35	-8.09	-2.01	1.95	7.95
Average Interest Earning Assets, 1 Yr. Growth %	3.61	10.44	8.21	2.98	0.82
Average Interest Bearing Liabilities, 1 Yr. Growth %	0.65	8.33	9.14	5.75	1.11
Common Equity, 1 Yr. Growth %	9.43	-7.43	-1.14	2.04	7.78
Total Equity, 1 Yr. Growth %	9.42	-7.43	-1.14	2.03	7.78
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	1.67	1.2	9.29	8.26	2.08
Non Interest Income, 2 Yr. CAGR %	3.77	6.8	-4.42	-12.12	-1.21
Provision For Loan Losses, 2 Yr. CAGR %	-32.08	-62.35	41.42	49.88	-19.05
Total Revenues, 2 Yr. CAGR %	3.67	8.99	5.71	1.94	2.34
Earnings From Cont. Operations, 2 Yr. CAGR %	4.78	14.42	7.34	-0.58	0.18
Net Income, 2 Yr. CAGR %	9.02	5.97	-0.45	-6.26	0.59
Normalized Net Income, 2 Yr. CAGR %	5.87	15.43	7.96	0.71	0.37
Diluted EPS Before Extra, 2 Yr. CAGR %	3.32	15.6	11.89	2.37	1.79
Dividend Per Share, 2 Yr. CAGR %	-9.89	13.66	13.39	9.9	3.82
Gross Loans, 2 Yr. CAGR %	3.69	6.51	6.8	3.61	4.33
Allowance For Loan Losses, 2 Yr. CAGR %	13.74	-8.48	-2.57	6.32	3.25
Net Loans, 2 Yr. CAGR %	3.65	6.63	6.84	3.54	4.32
Non Performing Loans, 2 Yr. CAGR %	-8.76	-24.86	80.72	14.13	19.92
Non Performing Assets, 2 Yr. CAGR %	-8.76	-24.86	80.72	14.13	19.92
Total Assets, 2 Yr. CAGR %	5.75	9.4	7.11	1.58	3.97
Total Deposits, 2 Yr CAGR %	9.49	9.57	7.57	3.27	3.72
Tangible Book Value, 2 Yr. CAGR %	7.92	0.68	-5.1	-0.34	4.91
Average Interest Earning Assets, 2 Yr. CAGR %	3.3	6.97	9.32	5.56	1.89
Average Interest Bearing Liabilities, 2 Yr. CAGR %	1.04	4.42	8.74	7.43	3.4
Common Equity, 2 Yr. CAGR %	6.35	0.62	-4.34	0.17	4.87
Total Equity, 2 Yr. CAGR %	6.31	0.62	-4.34	0.17	4.87
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	0.67	2.23	6.63	5.75	7.25
Non Interest Income, 3 Yr. CAGR %	-0.96	1.99	-3.02	-5.82	-7
Provision For Loan Losses, 3 Yr. CAGR %	-19.93	-33.26	-23.94	13.12	26.69
Total Revenues, 3 Yr. CAGR %	1.04	4.47	7.27	3.36	3.12
Earnings From Cont. Operations, 3 Yr. CAGR %	0.38	6.3	11.31	2.35	1.85
Net Income, 3 Yr. CAGR %	2.96	7.93	1.7	-2.65	-1.82
Normalized Net Income, 3 Yr. CAGR %	-1.82	8	11.03	3.6	2.05
Diluted EPS Before Extra, 3 Yr. CAGR %	-1.04	7.08	13.3	6.14	4.06
Dividend Per Share, 3 Yr. CAGR %	-6.7	-3.69	14.73	9.93	8
Gross Loans, 3 Yr. CAGR %	3.04	5.16	6.16	5.1	4.71
Allowance For Loan Losses, 3 Yr. CAGR %	19.16	3.52	-2.48	-1.04	5.68
Net Loans, 3 Yr. CAGR %	2.96	5.19	6.21	5.11	4.67
Non Performing Loans, 3 Yr. CAGR %	-1.82	-18.02	40.72	60.45	13.99
Non Performing Assets, 3 Yr. CAGR %	-1.82	-18.02	40.72	60.45	13.99
Total Assets, 3 Yr. CAGR %	3.84	7.56	7.25	4.72	3.66
Total Deposits, 3 Yr CAGR %	6.66	9.78	7.98	5.58	4.1
Tangible Book Value, 3 Yr. CAGR %	7.23	2.28	-0.22	-2.99	2.35
Average Interest Earning Assets, 3 Yr. CAGR %	2.56	5.63	7.38	7.16	3.96
Average Interest Bearing Liabilities, 3 Yr. CAGR %	0.76	3.41	5.97	7.73	5.28
Common Equity, 3 Yr. CAGR %	5.36	1.53	0.03	-2.43	2.65
Total Equity, 3 Yr. CAGR %	5.07	1.5	0.03	-2.43	2.65
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	2.25	2.11	4.54	4.6	4.79
Non Interest Income, 5 Yr. CAGR %	-3.39	-4.18	-5.21	-4.95	-2.77
Provision For Loan Losses, 5 Yr. CAGR %	-15.1	-20.08	0.53	-7.76	-22.02
Total Revenues, 5 Yr. CAGR %	1.4	1.69	2.6	3.21	5.18
Earnings From Cont. Operations, 5 Yr. CAGR %	-0.27	0.42	3.11	3.32	6.52
Net Income, 5 Yr. CAGR %	2	1.64	1.58	1.86	1.07
Normalized Net Income, 5 Yr. CAGR %	0.4	0.79	1.78	4.3	6.47
Diluted EPS Before Extra, 5 Yr. CAGR %	-1.72	0.32	3.94	5	8.36
Dividend Per Share, 5 Yr. CAGR %	-3.58	-2.14	0.87	1.53	10.23
Gross Loans, 5 Yr. CAGR %	3.13	3.72	4.52	4.53	5.42
Allowance For Loan Losses, 5 Yr. CAGR %	10.41	7.21	9.94	4.63	-0.23
Net Loans, 5 Yr. CAGR %	3.1	3.71	4.49	4.52	5.45
Non Performing Loans, 5 Yr. CAGR %	-2.33	-10.66	25.32	28.02	32
Non Performing Assets, 5 Yr. CAGR %	-2.33	-10.66	25.32	28.02	32
Total Assets, 5 Yr. CAGR %	3.2	4.48	5.14	5.13	5.92
Total Deposits, 5 Yr CAGR %	5.32	5.95	7.02	7.13	6.26
Tangible Book Value, 5 Yr. CAGR %	7.66	4.43	2.11	1.22	1.68
Average Interest Earning Assets, 5 Yr. CAGR %	3.3	4.23	5.21	5.6	5.15
Average Interest Bearing Liabilities, 5 Yr. CAGR %	1.15	2.18	3.88	5	4.94
Common Equity, 5 Yr. CAGR %	5.57	2.91	1.36	0.98	1.83
Total Equity, 5 Yr. CAGR %	5.38	2.73	1.19	0.97	1.83