Income Statement BancorpSouth NYSE

Stocks

BXS

US05971J1025

Banks

End-of-day quote NYSE 05/02/2024			5-day change	1st Jan Change
25.80 ^USD	-1.90%		-8.74%	-12.81%

02-02	Huntington Bancshares Incorporated Appoints Three New Directors	CI
02-02	Huntington Bancshares Closes Merger With Cadence Bank	MT

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Published financial data: BANCORPSOUTH

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Interest Income On Loans	766M	1.35B	2.01B	2.17B	2.26B
Interest Income On Investments	116M	210M	301M	377M	362M
Interest Income, Total	882M	1.56B	2.31B	2.55B	2.63B
Interest On Deposits	60.85M	140M	734M	957M	952M
Total Interest On Borrowings	15.48M	69.62M	225M	154M	82.16M
Interest Expense, Total	76.32M	209M	959M	1.11B	1.03B
Net Interest Income	806M	1.35B	1.35B	1.44B	1.59B
Service Charges On Deposits	43.99M	73.48M	61.72M	73.5M	73.99M
Trust Income	39.51M	80.49M	86.93M	94.92M	98.48M
Credit Card Fee	45.52M	58.16M	49.78M	50.24M	52.15M
Total Mortgage Banking Activities	58.05M	44.86M	18.98M	17.3M	25.95M
Gain (Loss) on Sale of Loans	21.57M	-	-	-	-
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-395K	-384K	-436M	-2.96M	4.3M
Total Other Non Interest Income	170M	236M	102M	124M	124M
Non Interest Income, Total	378M	493M	-116M	357M	379M
Revenues Before Provison For Loan Losses	1.18B	1.84B	1.24B	1.79B	1.97B
Provision For Loan Losses	138M	7M	80M	71M	111M
Total Revenues	1.05B	1.84B	1.16B	1.72B	1.86B
Salaries And Other Employee Benefits	454M	707M	595M	577M	632M
Amort. of Goodwill & Intang. Assets	-	20.49M	19.39M	15.9M	22.76M
Occupancy Expense	69.16M	95.56M	111M	96.61M	102M
Federal Deposit Insurance	8.7M	18.71M	72.22M	39.92M	33.66M
Selling General & Admin Expenses, Total	114M	217M	188M	194M	207M
Total Other Non Interest Expense	93.22M	127M	165M	122M	138M
Non Interest Expense, Total	739M	1.19B	1.15B	1.05B	1.14B
EBT, Excl. Unusual Items	307M	651M	4.28M	676M	724M
Total Merger & Related Restructuring Charges	-59.9M	-51.21M	-5.19M	-	-28.11M
Legal Settlements	-	-	-	-	-
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	247M	599M	-910K	676M	696M
Income Tax Expense	51.77M	136M	-4.59M	153M	151M
Earnings From Continuing Operations	195M	463M	3.68M	524M	544M
Earnings Of Discontinued Operations	-	-	539M	-	-
Net Income to Company	195M	463M	542M	524M	544M
Net Income - (IS)	195M	463M	542M	524M	544M
Preferred Dividend and Other Adjustments	9.49M	9.49M	9.49M	9.49M	11.86M
Net Income to Common Incl Extra Items	186M	454M	533M	514M	533M
Net Income to Common Excl. Extra Items	186M	454M	-5.8M	514M	533M
Per Share Items
Net EPS - Basic	1.54	2.47	2.92	2.81	2.87
Basic EPS - Continuing Operations	1.54	2.47	-0.03	2.81	2.87
Basic Weighted Average Shares Outstanding	120M	184M	183M	183M	185M
Net EPS - Diluted	1.54	2.46	2.92	2.77	2.83
Diluted EPS - Continuing Operations	1.54	2.46	-0.03	2.77	2.83
Diluted Weighted Average Shares Outstanding	121M	184M	183M	186M	188M
Normalized Basic EPS	1.59	2.22	0.01	2.31	2.44
Normalized Diluted EPS	1.59	2.2	0.01	2.28	2.41
Dividend Per Share	0.78	0.88	0.94	1	1.1
Payout Ratio	55.72	36.76	33.43	36.69	39.7
Supplemental Items
Effective Tax Rate - (Ratio)	20.96	22.71	504.84	22.57	21.74
Current Domestic Taxes	73.83M	128M	-5.49M	144M	13.47M
Total Current Taxes	73.83M	128M	-5.49M	144M	13.47M
Deferred Domestic Taxes	-22.06M	7.82M	892K	8.22M	138M
Total Deferred Taxes	-22.06M	7.82M	892K	8.22M	138M
Normalized Net Income	192M	407M	2.68M	423M	452M
Non-Cash Pension Expense	-5.45M	-1.96M	5.8M	-8.26M	-9.24M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	18.1M	37.55M	39.4M	32.71M	36.85M
Total Stock-Based Compensation	18.1M	37.55M	39.4M	32.71M	36.85M

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Assets
Cash And Equivalents	1.29B	2B	4.23B	1.67B	2.01B
Investment Securities, Total	5.22B	3.81B	1.55B	1.21B	993M
Trading Asset Securities, Total	43.5M	29.42M	29.5M	33.33M	31.01M
Mortgage Backed Securities	10.55B	8.41B	6.93B	6.52B	8.65B
Total investments	15.82B	12.25B	8.51B	7.76B	9.67B
Gross Loans	26.99B	30.45B	32.57B	33.76B	37.3B
Allowance For Loan Losses	-446M	-440M	-468M	-461M	-495M
Other Adjustments to Gross Loans	-103M	-101M	-75.4M	-21.4M	-49.9M
Net Loans	26.44B	29.91B	32.03B	33.28B	36.75B
Gross Property Plant And Equipment	1.34B	1.42B	1.41B	1.45B	1.58B
Accumulated Depreciation	-555M	-599M	-610M	-668M	-733M
Net Property Plant And Equipment	786M	817M	802M	783M	847M
Goodwill	1.41B	1.46B	1.37B	1.37B	1.51B
Other Intangibles, Total	227M	157M	100M	83.19M	142M
Investment in FHLB	8.3M	134M	13.11M	10.41M	122M
Loans Held For Sale	340M	188M	186M	244M	267M
Accrued Interest Receivable	-	-	-	-	-
Restricted Cash	-	-	-	60.9M	207M
Deferred Tax Assets Long-Term (Collected)	-	-	-	-	-
Other Real Estate Owned And Foreclosed	17.79M	6.72M	6.25M	5.75M	11.84M
Other Long-Term Assets, Total	1.34B	1.74B	1.69B	1.76B	1.98B
Total Assets	47.67B	48.65B	48.93B	47.02B	53.53B
Liabilities
Interest Bearing Deposits	25.23B	26.23B	29.27B	31.9B	34.71B
Institutional Deposits	958M	-	-	-	-
Non-Interest Bearing Deposits	13.63B	12.73B	9.23B	8.59B	9.43B
Total Deposits	39.82B	38.96B	38.5B	40.5B	44.14B
Short-Term Borrowings	1.29B	4.07B	4B	72.29M	1.29B
Current Portion of Long-Term Debt	-	-	-	-	-
Current Portion of Leases	21.22M	15.62M	11.18M	11.24M	19.06M
Federal Home Loan Bank Debt - Long-Term	3.74M	836K	771K	706K	941M
Long-Term Leases	189M	201M	180M	177M	169M
Trust Preferred Securities (BS)	479M	462M	438M	10M	-
Accrued Interest Payable	8.48M	27.53M	101M	-	-
Pension & Other Post Retirement Benefits	-	-	-	-	-
Deferred Tax Liability Non-Current	-	-	-	-	-
Other Non Current Liabilities	608M	614M	543M	683M	731M
Total Liabilities	42.42B	44.34B	43.77B	41.45B	47.29B
Preferred Stock Redeemable	167M	167M	167M	167M	167M
Total Preferred Equity	167M	167M	167M	167M	167M
Common Stock, Total	471M	456M	457M	459M	467M
Additional Paid In Capital	2.84B	2.71B	2.74B	2.74B	2.81B
Retained Earnings	1.91B	2.2B	2.56B	2.9B	3.22B
Comprehensive Income and Other	-139M	-1.22B	-762M	-694M	-428M
Total Common Equity	5.08B	4.14B	5B	5.4B	6.08B
Total Equity	5.25B	4.31B	5.17B	5.57B	6.24B
Total Liabilities And Equity	47.67B	48.65B	48.93B	47.02B	53.53B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	185M	182M	182M	184M	187M
ECS Total Common Shares Outstanding	188M	182M	183M	184M	187M
Book Value / Share	26.98	22.72	27.35	29.44	32.56
Tangible Book Value	3.45B	2.53B	3.53B	3.95B	4.42B
Tangible Book Value Per Share	18.3	13.86	19.32	21.54	23.69
Tangible Book Value Per Share (As Reported)	19.34	13.99	19.32	21.54	-
Average Assets	29.99B	47.53B	48.7B	47.97B	-
Average Loans	17.33B	28.54B	32B	33.22B	-
Total Debt	1.99B	4.74B	4.63B	271M	2.42B
Deposits at Interest - Cash	639M	1.24B	3.43B	1.11B	1.44B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-90.79M	-103M	-96.2M	-103M	-115M
Net Debt	649M	2.72B	364M	-1.43B	376M
Full Time Employees	-	-	5.33K	5.34K	-
Number Of Offices	400	400	350	350	390

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Net Income	195M	463M	542M	524M	544M
Depreciation, Depletion & Amortization	169M	226M	207M	177M	61.59M
Amortization of Goodwill and Intangible Assets - (CF)	-	20.49M	19.39M	15.9M	22.76M
Total Depreciation, Depletion & Amortization	169M	246M	227M	193M	84.36M
Amortization of Deferred Charges, Total	6.7M	9.7M	9.8M	9.5M	11.4M
Gain (Loss) on Sale of Loans & Receivables - (CF)	-105M	-46.08M	-17.03M	-21.35M	-26.78M
(Gain) Loss On Sale of Asset - (CF)	-	-	-	-14.98M	-
(Gain) Loss on Sale of Investments - (CF)	-	-	436M	2.96M	-4.3M
Provision for Credit Losses	138M	7M	80M	71M	111M
(Income) Loss On Equity Investments - (CF)	-	-8.17M	-8.02M	-11M	-14.88M
Stock-Based Compensation (CF)	18.1M	32.79M	31.02M	32.71M	36.85M
Tax Benefit from Stock Options	-	-	-	-	-
Net (Increase) Decrease in Loans Originated / Sold - Operating	896M	127M	-41.16M	9.54M	49.21M
Change in Trading Asset Securities	-	-	-	-	45K
Changes in Accrued Interest Receivable	-35.92M	-41.19M	-15.25M	2.01M	-18.28M
Changes in Accrued Interest Payable	-	-	73.15M	10.17M	7.77M
Change in Unearned Revenues	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-87.73M	109M	-45.36M	56.54M	-226M
Other Operating Activities	-21.81M	23.24M	-11.44M	-7.11M	115M
Net Cash From Discontinued Operations	-	-	-705M	-	-
Cash from Operations	1.17B	923M	556M	857M	670M
Capital Expenditure	-72.27M	-94.5M	-98.28M	-80.07M	-70.5M
Sale of Property, Plant, and Equipment	5.64M	9.89M	17.08M	35.68M	12.88M
Cash Acquisitions	2.67B	-11.51M	-	-	504M
Divestitures	-359M	-	861M	15.31M	-
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-5.17B	2.05B	3.87B	740M	883M
Net (Increase) Decrease in Loans Originated / Sold - Investing	-203M	-3.57B	-2.31B	-1.43B	-2.19B
Other Investing Activities, Total	-20.74M	-103M	50.42M	-67.6M	-44.41M
Cash from Investing	-3.15B	-1.71B	2.4B	-782M	-901M
Short Term Debt Issued, Total	644M	2.73B	400M	-	736M
Long-Term Debt Issued, Total	-	-	-	-	1.43B
Total Debt Issued	644M	2.73B	400M	-	2.17B
Short Term Debt Repaid, Total	-	-	-457M	-3.93B	-
Long-Term Debt Repaid, Total	-55.98M	-17.84M	-22.54M	-423M	-22.38M
Total Debt Repaid	-55.98M	-17.84M	-480M	-4.35B	-22.38M
Issuance of Common Stock	-	-	6.15M	24.59M	-
Repurchase of Common Stock	-186M	-184M	-2.41M	-56.57M	-23.21M
Issuance of Preferred Stock	-	-	-	-	-
Common Dividends Paid	-99.26M	-161M	-172M	-183M	-204M
Preferred Dividends Paid	-9.49M	-9.49M	-9.49M	-9.49M	-11.86M
Common & Preferred Stock Dividends Paid	-109M	-170M	-181M	-192M	-216M
Net Increase (Decrease) in Deposit Accounts - (CF)	2.56B	-864M	-460M	2B	-1.19B
Other Financing Activities, Total	-	-	1.74M	-	-
Cash from Financing	2.86B	1.49B	-715M	-2.58B	715M
Net Change in Cash	877M	703M	2.24B	-2.5B	484M
Supplemental Items
Cash Interest Paid	78.72M	190M	886M	1.1B	1B
Cash Income Tax Paid (Refund)	76.8M	72.44M	163M	115M	28.19M
Net Debt Issued / Repaid	588M	2.71B	-79.99M	-4.35B	2.14B

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Profitability
Return on Assets	0.54	0.96	0.01	1.09	1.08
Return On Equity %	4.84	9.69	0.08	9.75	9.22
Return on Common Equity	4.8	9.84	-0.13	9.88	9.28
Shareholders Value Added	-232M	-37.79M	16.22M	-84.71M	-104M
Margin Analysis
SG&A Margin	60.92	55.53	77.43	50.38	50.63
Net Interest Income / Total Revenues %	77.04	73.55	117	83.42	85.61
EBT Excl. Non-Recurring Items Margin %	29.34	35.41	0.37	39.27	38.93
Income From Continuing Operations Margin %	18.66	25.21	0.32	30.41	29.28
Net Income Margin %	18.66	25.21	46.95	30.41	29.28
Net Avail. For Common Margin %	17.75	24.7	-0.5	29.86	28.64
Normalized Net Income Margin	18.34	22.13	0.23	24.55	24.33
Asset quality
Nonperforming Loans / Total Loans %	0.57	0.36	0.66	0.78	0.67
Nonperforming Loans / Total Assets %	0.32	0.22	0.44	0.56	0.46
Nonperforming Assets / Total Assets %	0.39	0.24	0.45	0.58	0.49
NPAs / Loans and OREO	0.69	0.38	0.68	0.8	0.7
NPAs / Equity	3.56	2.69	4.3	4.86	4.17
Allowance for Credit Losses / Net Charge-offs %	-8.4K	-899K	644.96	588.94	527.12
Allowance for Credit Losses / Nonperforming Loans %	290.27	402.47	216.54	174.09	199.19
Allowance for Credit Losses / Total Loans %	1.65	1.45	1.44	1.36	1.33
Net Charge-offs / Total Average Loans %	-0.03	-0	0.23	0.24	-
Provision for Loan Losses / Net Charge-offs %	-2.6K	-14.29K	110.24	90.75	118.18
Earning Assets / IBL	152.41	151.32	134.36	132.48	-
Interest Income / Average Assets	2.94	3.28	4.74	5.31	-
Interest Expense / Average Assets	0.25	0.44	1.97	2.32	-
Net Interest Income / Average Assets	2.69	2.84	2.77	2.99	-
Non Interest Income / Average Assets	1.26	1.04	-0.24	0.74	-
Non Interest Expense / Average Asset	2.46	2.5	2.36	2.18	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	10.78	9.58	9.37	10.84	11.42
Total Average Equity / Total Average Assets %	11.25	9.92	9.71	11.19	11.75
Total Equity + Allowance for Loan Losses / Total Loans %	21.1	15.6	17.3	17.86	18.07
Gross Loans / Total Deposits %	67.77	78.16	84.61	83.37	84.5
Net Loans / Total Deposits %	66.39	76.77	83.2	82.18	83.26
Tier 1 Capital Ratio %	11.61	10.66	12.06	12.79	12.09
Total Capital Ratio %	13.86	12.81	14.32	13.97	13.28
Core Tier 1 Capital Ratio	11.11	10.22	11.62	12.35	11.69
Equity Tier 1 Capital Ratio	7.54	5.42	7.44	8.67	-
Coverage Ratio	1.77K	6.12K	462.16	686.96	1.63K
Leverage Ratio %	9.9	8.43	9.3	10.41	9.7
Interbank Ratio	49.8	136.59	760.57	4.43K	4.95K
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	16.96	9.61	1	5.4	9.47
EBT + Interest Expense / Interest Expense	4.24	3.86	1	1.61	1.67
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	16.61	67.71	0	6.28	10.84
Non Interest Income, 1 Yr. Growth %	12.38	30.38	-133.97	-406.43	6.18
Provision For Loan Losses, 1 Yr. Growth %	55.05	-94.93	1.04K	-11.25	56.34
Total Revenues, 1 Yr. Growth %	11.44	75.68	-31.53	49.07	8
Earnings From Cont. Operations, 1 Yr. Growth %	-14.42	137.36	-99.18	14.11K	3.98
Net Income, 1 Yr. Growth %	-14.42	137.36	17.07	-3.45	3.98
Normalized Net Income, 1 Yr. Growth %	4.76	112.04	-99.32	15.69K	7.04
Diluted EPS Before Extra, 1 Yr. Growth %	-27.36	59.74	-101.34	-8.82K	2.17
Dividend Per Share, 1 Yr. Growth %	4.7	12.82	6.82	6.38	10
Gross Loans, 1 Yr. Growth %	79.21	12.84	6.97	3.77	10.46
Allowance For Loan Losses, 1 Yr. Growth %	82.64	-1.36	6.29	-1.55	7.44
Net Loans, 1 Yr. Growth %	78.89	13.13	7.09	3.91	10.43
Non Performing Loans, 1 Yr. Growth %	26.92	-28.86	101.36	22.46	-6.1
Non Performing Assets, 1 Yr. Growth %	40.92	-37.83	94.96	21.61	-3.72
Total Assets, 1 Yr. Growth %	97.95	2.06	0.58	-3.91	13.85
Total Deposits, 1 Yr Growth %	100.63	-2.16	-1.18	5.19	9
Tangible Book Value, 1 Yr. Growth %	100.14	-26.61	32.96	11.88	11.85
Average Interest Earning Assets, 1 Yr. Growth %	32.33	57.84	2.07	-0.73	-
Average Interest Bearing Liabilities, 1 Yr. Growth %	29.27	58.98	14.95	0.68	-
Common Equity, 1 Yr. Growth %	91.34	-18.43	20.67	8.04	12.47
Total Equity, 1 Yr. Growth %	85.94	-17.85	19.87	7.78	12.1
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	11.34	39.85	29.51	3.09	8.54
Non Interest Income, 2 Yr. CAGR %	16.07	21.04	-30.79	2.03	80.38
Provision For Loan Losses, 2 Yr. CAGR %	859.38	-71.96	-23.88	218.48	17.79
Total Revenues, 2 Yr. CAGR %	6.09	39.92	12.63	1.03	26.88
Earnings From Cont. Operations, 2 Yr. CAGR %	-8.73	42.52	-85.65	8.19	1.12K
Net Income, 2 Yr. CAGR %	-8.73	42.52	66.7	6.32	0.2
Normalized Net Income, 2 Yr. CAGR %	-1.05	49.04	-87.73	3.78	1.2K
Diluted EPS Before Extra, 2 Yr. CAGR %	-18.17	7.72	-84.93	8.11	843.62
Dividend Per Share, 2 Yr. CAGR %	4.81	8.68	9.78	6.6	8.18
Gross Loans, 2 Yr. CAGR %	38.31	42.2	9.86	5.3	7.07
Allowance For Loan Losses, 2 Yr. CAGR %	93.63	34.22	2.39	2.3	2.85
Net Loans, 2 Yr. CAGR %	37.56	42.26	10.07	5.49	7.12
Non Performing Loans, 2 Yr. CAGR %	17.44	-4.98	18.55	57.03	7.24
Non Performing Assets, 2 Yr. CAGR %	25.69	-6.4	9.11	53.98	8.21
Total Assets, 2 Yr. CAGR %	50.48	42.14	1.32	-1.69	4.59
Total Deposits, 2 Yr CAGR %	55.77	40.1	-1.67	1.96	7.08
Tangible Book Value, 2 Yr. CAGR %	45.29	21.19	1.25	21.97	11.86
Average Interest Earning Assets, 2 Yr. CAGR %	26.55	44.53	26.93	0.66	-
Average Interest Bearing Liabilities, 2 Yr. CAGR %	22.3	43.36	35.18	7.58	-
Common Equity, 2 Yr. CAGR %	42.05	24.93	-0.79	14.18	10.23
Total Equity, 2 Yr. CAGR %	39.8	23.59	-0.77	13.66	9.92
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	11.89	27.63	25.06	21.25	5.62
Non Interest Income, 3 Yr. CAGR %	10.27	20.66	-29.81	13.64	3.39
Provision For Loan Losses, 3 Yr. CAGR %	213.05	67.11	-3.51	-19.88	151.23
Total Revenues, 3 Yr. CAGR %	7.04	25.52	7.17	23.66	3.3
Earnings From Cont. Operations, 3 Yr. CAGR %	-4.11	25.52	-74.72	43.08	6.77
Net Income, 3 Yr. CAGR %	-4.11	25.52	33.48	38.95	5.53
Normalized Net Income, 3 Yr. CAGR %	3.32	27.57	-75.55	33.43	4.85
Diluted EPS Before Extra, 3 Yr. CAGR %	-11.61	2.27	-75.34	25.54	6.09
Dividend Per Share, 3 Yr. CAGR %	7.95	7.42	8.06	8.63	7.72
Gross Loans, 3 Yr. CAGR %	27.15	29.23	29.33	7.75	6.99
Allowance For Loan Losses, 3 Yr. CAGR %	54.92	54.64	24.18	1.06	3.98
Net Loans, 3 Yr. CAGR %	26.72	28.88	29.41	7.98	7.11
Non Performing Loans, 3 Yr. CAGR %	16.71	-0.63	21.28	19.84	32.3
Non Performing Assets, 3 Yr. CAGR %	20.78	-0.6	18.82	13.12	31.67
Total Assets, 3 Yr. CAGR %	38.35	32.21	26.66	-0.46	3.23
Total Deposits, 3 Yr CAGR %	41.45	33.4	24.71	0.56	4.25
Tangible Book Value, 3 Yr. CAGR %	33.17	15.71	27.07	4.68	18.5
Average Interest Earning Assets, 3 Yr. CAGR %	20.48	36.22	28.7	16.95	-
Average Interest Bearing Liabilities, 3 Yr. CAGR %	17.91	33.47	33.18	22.54	-
Common Equity, 3 Yr. CAGR %	32.07	18.07	23.49	2.07	13.61
Total Equity, 3 Yr. CAGR %	33.5	17.1	22.34	2	13.14
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	12.18	23.31	18.63	17.18	18.17
Non Interest Income, 5 Yr. CAGR %	6.59	12.96	-16.23	4.9	2.38
Provision For Loan Losses, 5 Yr. CAGR %	103.05	18.47	77.82	116.29	4.51
Total Revenues, 5 Yr. CAGR %	7.62	19.98	6.26	13.13	14.66
Earnings From Cont. Operations, 5 Yr. CAGR %	8.02	24.8	-55.92	17.45	19.01
Net Income, 5 Yr. CAGR %	8.02	24.8	19.63	17.45	19.01
Normalized Net Income, 5 Yr. CAGR %	8.22	22.87	-56.6	16.63	19.84
Diluted EPS Before Extra, 5 Yr. CAGR %	1.8	8.05	-57.27	3.79	5.95
Dividend Per Share, 5 Yr. CAGR %	11.63	10.67	8.68	7.09	8.11
Gross Loans, 5 Yr. CAGR %	20.02	22.43	19.93	19.07	19.89
Allowance For Loan Losses, 5 Yr. CAGR %	29.26	30.09	31.27	31.08	15.16
Net Loans, 5 Yr. CAGR %	19.86	22.28	19.78	18.96	19.99
Non Performing Loans, 5 Yr. CAGR %	8.59	6.88	17.44	18.87	15.45
Non Performing Assets, 5 Yr. CAGR %	11.24	6.57	15.97	17.99	14.46
Total Assets, 5 Yr. CAGR %	26.49	26.04	22.14	17.43	17.32
Total Deposits, 5 Yr CAGR %	27.78	26.73	22.3	19.8	17.34
Tangible Book Value, 5 Yr. CAGR %	19.72	12.64	19.35	19.35	20.76
Average Interest Earning Assets, 5 Yr. CAGR %	15.72	25.82	23.02	20.69	-
Average Interest Bearing Liabilities, 5 Yr. CAGR %	14.4	24.51	24.54	22.44	-
Common Equity, 5 Yr. CAGR %	24.13	19.32	17.79	16.5	18.01
Total Equity, 5 Yr. CAGR %	24.94	20.27	18.56	15.71	17.21