Income Statement Capital One Financial Corporation

Equities

COF

US14040H1059

Consumer Lending

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233.20 ^USD	-6.42%		-6.91%	-3.78%

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1696212116b.amf5hjdolo2JKn9Ryvhs_6-UCUBzT-zSXev-5di1GJI.NQXNvhoZpO74YUZjvM0WueL-JBNeDIKNDNmr04uBc9QfFsC3fQDn3dhrOg

Published financial data: CAPITAL ONE FINANCIAL CORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	24.07B	24.26B	28.91B	37.41B	40.89B
Interest Income On Investments	1.96B	1.51B	2.33B	4.53B	5.14B
Interest Income, Total	26.03B	25.77B	31.24B	41.94B	46.03B
Interest On Deposits	2.16B	956M	2.54B	9.49B	11.49B
Total Interest On Borrowings	955M	642M	1.59B	3.21B	3.33B
Interest Expense, Total	3.12B	1.6B	4.12B	12.7B	14.83B
Net Interest Income	22.91B	24.17B	27.11B	29.24B	31.21B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	560M	2M	-	-34M	-35M
Total Other Non Interest Income	5.05B	6.26B	7.14B	7.58B	7.94B
Non Interest Income, Total	5.61B	6.26B	7.14B	7.55B	7.9B
Revenues Before Provison For Loan Losses	28.52B	30.44B	34.25B	36.79B	39.11B
Provision For Loan Losses	10.26B	-1.94B	5.85B	10.43B	11.72B
Total Revenues	18.26B	32.38B	28.4B	26.36B	27.4B
Salaries And Other Employee Benefits	6.57B	7.06B	8.08B	8.75B	8.79B
Amort. of Goodwill & Intang. Assets	60M	29M	70M	82M	77M
Occupancy Expense	1.76B	1.66B	1.73B	1.87B	2.09B
Selling General & Admin Expenses, Total	4.73B	6.28B	7.88B	7.5B	8.52B
Total Other Non Interest Expense	1.4B	1.38B	1.42B	2.11B	2.01B
Non Interest Expense, Total	14.52B	16.4B	19.16B	20.32B	21.49B
EBT, Excl. Unusual Items	3.74B	15.98B	9.24B	6.04B	5.91B
Insurance Settlements	39M	-	-	-	-
Legal Settlements	-313M	-	-	-	-
Other Unusual Items	-261M	-166M	-	-	-
EBT, Incl. Unusual Items	3.2B	15.81B	9.24B	6.04B	5.91B
Income Tax Expense	486M	3.42B	1.88B	1.16B	1.16B
Earnings From Continuing Operations	2.72B	12.39B	7.36B	4.89B	4.75B
Earnings Of Discontinued Operations	-3M	-4M	-	-	3M
Net Income to Company	2.71B	12.39B	7.36B	4.89B	4.75B
Net Income - (IS)	2.71B	12.39B	7.36B	4.89B	4.75B
Preferred Dividend and Other Adjustments	339M	425M	316M	305M	305M
Net Income to Common Incl Extra Items	2.38B	11.96B	7.04B	4.58B	4.44B
Net Income to Common Excl. Extra Items	2.38B	11.97B	7.04B	4.58B	4.44B
Per Share Items
Net EPS - Basic	5.19	27.04	17.98	11.98	11.61
Basic EPS - Continuing Operations	5.19	27.05	17.98	11.98	11.61
Basic Weighted Average Shares Outstanding	458M	442M	392M	382M	383M
Net EPS - Diluted	5.18	26.94	17.91	11.95	11.59
Diluted EPS - Continuing Operations	5.19	26.95	17.91	11.95	11.58
Diluted Weighted Average Shares Outstanding	459M	444M	393M	383M	384M
Normalized Basic EPS	5.1	22.56	14.74	9.88	9.65
Normalized Diluted EPS	5.09	22.48	14.69	9.85	9.63
Dividend Per Share	1	2	2.4	2.4	2.4
Payout Ratio	27.27	9.34	16.01	23.72	24.42
American Depositary Receipts Ratio (ADR)	0.5	0.5	0.5	0.5	0.5
Supplemental Items
Effective Tax Rate - (Ratio)	15.17	21.6	20.35	19.16	19.68
Current Domestic Taxes	2.05B	2.66B	2.55B	1.8B	1.99B
Current Foreign Taxes	67M	152M	104M	76M	23M
Total Current Taxes	2.11B	2.81B	2.65B	1.88B	2.02B
Deferred Domestic Taxes	-1.62B	581M	-774M	-692M	-882M
Deferred Foreign Taxes	-4M	24M	2M	-31M	29M
Total Deferred Taxes	-1.63B	605M	-772M	-723M	-853M
Normalized Net Income	2.34B	9.98B	5.78B	3.78B	3.69B
Non-Cash Pension Expense	-8M	-12M	-8M	-6M	-6M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	233M	364M	350M	552M	611M
Total Stock-Based Compensation	233M	364M	350M	552M	611M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	40.51B	21.75B	30.86B	43.3B	43.23B
Investment Securities, Total	12.04B	12.37B	6.48B	7.22B	11.14B
Trading Asset Securities, Total	2.27B	2.15B	1.96B	1.67B	1.18B
Mortgage Backed Securities	88.44B	82.98B	70.46B	71.96B	73.15B
Total investments	103B	97.5B	78.9B	80.85B	85.47B
Gross Loans	252B	277B	312B	321B	328B
Allowance For Loan Losses	-15.56B	-11.43B	-13.24B	-15.3B	-16.26B
Net Loans	236B	266B	299B	305B	312B
Gross Property Plant And Equipment	10.31B	9.88B	10.48B	10.56B	11.09B
Accumulated Depreciation	-4.71B	-4.53B	-5B	-5.18B	-5.6B
Net Property Plant And Equipment	5.6B	5.35B	5.48B	5.38B	5.48B
Goodwill	14.65B	14.78B	14.78B	15.06B	15.06B
Other Intangibles, Total	90M	111M	159M	310M	233M
Investment in FHLB	30M	32M	15M	18M	18M
Loans Held For Sale	2.71B	5.89B	203M	854M	202M
Accrued Interest Receivable	1.47B	1.46B	2.1B	2.48B	2.53B
Restricted Cash	262M	308M	400M	458M	441M
Other Current Assets, Total	108M	206M	158M	123M	-
Other Real Estate Owned And Foreclosed	42M	40M	55M	45M	65M
Other Long-Term Assets, Total	17.26B	19.01B	23.01B	24.37B	25.86B
Total Assets	422B	432B	455B	478B	490B
Liabilities
Accrued Expenses, Total	5.4B	6.2B	6.8B	7.4B	8.2B
Interest Bearing Deposits	270B	271B	295B	305B	321B
Institutional Deposits	4.2B	1.8B	6.1B	15.8B	15.2B
Non-Interest Bearing Deposits	31.14B	38.04B	32.2B	28.02B	26.12B
Total Deposits	305B	311B	333B	348B	363B
Short-Term Borrowings	1.45B	2.14B	4.2B	2.87B	2.29B
Current Portion of Long-Term Debt	6.21B	8B	5.32B	7.11B	9.5B
Current Portion of Leases	316M	299M	278M	250M	244M
Long-Term Debt	33.59B	34.21B	42.47B	42.18B	35.46B
Federal Home Loan Bank Debt - Long-Term	-	-	-	-	-
Long-Term Leases	1.45B	1.24B	1.21B	1.09B	1.05B
Accrued Interest Payable	352M	281M	527M	649M	666M
Pension & Other Post Retirement Benefits	27M	21M	15M	13M	11M
Other Non Current Liabilities	7.17B	7.98B	8.84B	10.4B	9.23B
Total Liabilities	361B	371B	403B	420B	429B
Preferred Stock - Others	4.85B	4.84B	4.84B	4.84B	4.84B
Total Preferred Equity	4.85B	4.84B	4.84B	4.84B	4.84B
Common Stock, Total	7M	7M	7M	7M	7M
Additional Paid In Capital	28.63B	29.27B	29.88B	30.7B	31.58B
Retained Earnings	40.09B	51.01B	57.18B	60.94B	64.5B
Treasury Stock	-16.86B	-24.47B	-29.42B	-30.14B	-30.87B
Comprehensive Income and Other	3.49B	374M	-9.92B	-8.27B	-9.29B
Total Common Equity	55.36B	56.18B	47.74B	53.24B	55.94B
Total Equity	60.2B	61.03B	52.58B	58.09B	60.78B
Total Liabilities And Equity	422B	432B	455B	478B	490B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	459M	414M	381M	380M	381M
ECS Total Common Shares Outstanding	459M	414M	381M	380M	381M
Book Value / Share	120.61	135.76	125.19	139.97	146.73
Tangible Book Value	40.61B	41.29B	32.8B	37.87B	40.65B
Tangible Book Value Per Share	88.49	99.77	86.02	99.55	106.62
Tangible Book Value Per Share (As Reported)	88.34	99.74	86.11	99.78	106.97
Average Assets	411B	425B	441B	468B	480B
Average Loans	255B	257B	294B	312B	318B
Total Debt	43.01B	45.9B	53.49B	53.5B	48.54B
Deposits at Interest - Cash	35.8B	17.58B	25.66B	38.39B	40.2B
Federal Funds Sold	-	-	-	-	-
Debt Equivalent of Unfunded Proj. Benefit Obligation	-96M	-110M	-94M	-109M	-123M
Net Debt	230M	22B	20.67B	8.54B	4.14B
Equity Method Investments, Total	-	50M	-	-	-
Full Time Employees	51.98K	50.77K	55.94K	51.99K	52.6K

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	2.71B	12.39B	7.36B	4.89B	4.75B
Depreciation, Depletion & Amortization	3.37B	3.37B	3.05B	3.06B	3.08B
Amortization of Goodwill and Intangible Assets - (CF)	129M	108M	163M	170M	154M
Total Depreciation, Depletion & Amortization	3.5B	3.48B	3.21B	3.23B	3.24B
Gain (Loss) on Sale of Loans & Receivables - (CF)	-6M	1M	-196M	6M	29M
(Gain) Loss on Sale of Investments - (CF)	-25M	-2M	9M	34M	35M
Provision for Credit Losses	10.26B	-1.94B	5.85B	10.43B	11.72B
Stock-Based Compensation (CF)	203M	331M	314M	513M	569M
Net (Increase) Decrease in Loans Originated / Sold - Operating	-199M	-18M	857M	-170M	182M
Changes in Accrued Interest Receivable	287M	17M	-641M	-359M	-54M
Changes in Accrued Interest Payable	-87M	-71M	246M	122M	17M
Change in Other Net Operating Assets (Collected)	2.19B	-2.52B	-2.46B	2.56B	-1.53B
Other Operating Activities	-2.15B	651M	-732M	-672M	-788M
Net Cash From Discontinued Operations	3M	-6M	-3M	-	-4M
Cash from Operations	16.7B	12.31B	13.81B	20.58B	18.16B
Capital Expenditure	-710M	-698M	-934M	-961M	-1.2B
Cash Acquisitions	-7M	-669M	-1.18B	-2.78B	-
Investment in Marketable and Equity Securities, Total	-19.89B	1.86B	6.79B	-1.32B	-5.16B
Net (Increase) Decrease in Loans Originated / Sold - Investing	6.59B	-31.33B	-33.79B	-15.53B	-18.43B
Other Investing Activities, Total	-822M	-668M	-628M	-1.32B	-1.62B
Cash from Investing	-14.84B	-31.5B	-29.74B	-21.92B	-26.41B
Short Term Debt Issued, Total	-	-	-	-	-
Long-Term Debt Issued, Total	5.24B	10.85B	31.04B	11.51B	5.82B
Total Debt Issued	5.24B	10.85B	31.04B	11.51B	5.82B
Short Term Debt Repaid, Total	-	-	-	-	-
Long-Term Debt Repaid, Total	-21.72B	-7.29B	-22.62B	-11.27B	-10.24B
Total Debt Repaid	-21.72B	-7.29B	-22.62B	-11.27B	-10.24B
Issuance of Common Stock	303M	308M	295M	309M	327M
Repurchase of Common Stock	-393M	-7.6B	-4.95B	-718M	-734M
Issuance of Preferred Stock	1.33B	2.05B	-	-	-
Repurchase of Preferred Stock	-1.38B	-2.1B	-	-	-
Common Dividends Paid	-460M	-883M	-950M	-931M	-932M
Preferred Dividends Paid	-280M	-274M	-228M	-228M	-228M
Common & Preferred Stock Dividends Paid	-740M	-1.16B	-1.18B	-1.16B	-1.16B
Net Increase (Decrease) in Deposit Accounts - (CF)	42.52B	5.69B	22.54B	15.17B	14.16B
Special Dividend Paid	-	-265M	-	-	-
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	25.16B	474M	25.13B	13.84B	8.17B
Net Change in Cash	27.02B	-18.72B	9.2B	12.5B	-84M
Supplemental Items
Cash Interest Paid	3.58B	2.16B	3.61B	10.82B	13.2B
Cash Income Tax Paid (Refund)	988M	2.53B	1.85B	1.36B	1.1B
Net Debt Issued / Repaid	-16.48B	3.55B	8.42B	240M	-4.42B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.67	2.9	1.66	1.05	0.98
Return On Equity %	4.6	20.45	12.96	8.83	7.99
Return on Common Equity	4.38	21.46	13.56	9.07	8.14
Shareholders Value Added	-3.67B	5.81B	1.29B	-1B	-1.65B
Margin Analysis
SG&A Margin	71.53	46.32	62.24	68.75	70.81
Net Interest Income / Total Revenues %	125.49	74.65	95.46	110.93	113.91
EBT Excl. Non-Recurring Items Margin %	20.47	49.34	32.53	22.93	21.57
Income From Continuing Operations Margin %	14.88	38.28	25.91	18.54	17.33
Net Income Margin %	14.86	38.27	25.91	18.54	17.34
Net Avail. For Common Margin %	13.02	36.97	24.8	17.38	16.21
Normalized Net Income Margin	12.8	30.84	20.33	14.33	13.48
Asset quality
Nonperforming Loans / Total Loans %	0.4	0.4	0.43	0.48	0.61
Nonperforming Loans / Total Assets %	0.24	0.25	0.3	0.32	0.41
Nonperforming Assets / Total Assets %	0.25	0.26	0.31	0.33	0.42
NPAs / Loans and OREO	0.41	0.41	0.45	0.5	0.63
NPAs / Equity	1.73	1.87	2.67	2.74	3.39
Allowance for Credit Losses / Net Charge-offs %	297.88	511.64	333.25	181.79	151.27
Allowance for Credit Losses / Nonperforming Loans %	1.56K	1.04K	985.12	1K	814.94
Allowance for Credit Losses / Total Loans %	6.18	4.12	4.24	4.77	4.96
Net Charge-offs / Total Average Loans %	2.05	0.87	1.35	2.7	3.38
Provision for Loan Losses / Net Charge-offs %	196.44	-87.02	147.17	123.91	109.01
Earning Assets / IBL	121.54	124.94	123.26	120.92	121.01
Interest Income / Average Assets	6.33	6.07	7.09	8.96	9.58
Interest Expense / Average Assets	0.76	0.38	0.94	2.71	3.09
Net Interest Income / Average Assets	5.57	5.69	6.15	6.25	6.5
Non Interest Income / Average Assets	1.36	1.48	1.62	1.61	1.65
Non Interest Expense / Average Asset	3.53	3.86	4.35	4.34	4.47
Capital And Funding
Total Average Common Equity / Total Average Assets %	13.36	13.06	11.71	10.81	11.27
Total Average Equity / Total Average Assets %	14.56	14.2	12.8	11.85	12.27
Total Equity + Allowance for Loan Losses / Total Loans %	30.1	26.12	21.07	22.9	23.5
Gross Loans / Total Deposits %	82.4	89.2	93.81	91.99	90.38
Net Loans / Total Deposits %	77.3	85.52	89.83	87.6	85.9
Tier 1 Capital Ratio %	15.3	14.5	13.9	14.2	14.8
Total Capital Ratio %	17.7	16.9	15.8	16	16.4
Core Tier 1 Capital Ratio	13.7	13.1	12.5	12.9	13.5
Tier 2 Capital Ratio	2.42	2.33	1.99	1.8	1.63
Equity Tier 1 Capital Ratio	10	9.9	7.5	8.2	8.6
Coverage Ratio	-	-	-	-	-
Leverage Ratio %	11.2	11.6	11.1	11.2	11.6
Interbank Ratio	-	-	-	-	-
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	4.35	25.62	6.82	2.88	2.77
EBT + Interest Expense / Interest Expense	2.03	10.89	3.24	1.48	1.4
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-1.83	5.49	12.18	7.84	6.73
Non Interest Income, 1 Yr. Growth %	6.8	11.66	13.92	5.75	4.74
Provision For Loan Losses, 1 Yr. Growth %	64.59	-118.94	-400.77	78.31	12.37
Total Revenues, 1 Yr. Growth %	-18.33	77.33	-12.28	-7.19	3.93
Earnings From Cont. Operations, 1 Yr. Growth %	-50.89	356.16	-40.62	-33.6	-2.86
Net Income, 1 Yr. Growth %	-51.06	356.52	-40.6	-33.6	-2.8
Normalized Net Income, 1 Yr. Growth %	-48.49	361.17	-41.55	-34.58	-2.23
Diluted EPS Before Extra, 1 Yr. Growth %	-52.9	419.27	-33.54	-33.28	-3.1
Dividend Per Share, 1 Yr. Growth %	-37.5	100	20	0	0
Gross Loans, 1 Yr. Growth %	-5.34	10.21	12.61	2.61	2.28
Allowance For Loan Losses, 1 Yr. Growth %	115.93	-26.56	15.84	15.53	6.29
Net Loans, 1 Yr. Growth %	-8.72	12.64	12.47	2.03	2.08
Non Performing Loans, 1 Yr. Growth %	1.22	10.55	22.18	13.69	30.56
Non Performing Assets, 1 Yr. Growth %	-0.57	9.71	23.14	13.17	29.56
Total Assets, 1 Yr. Growth %	8	2.56	5.29	5.1	2.44
Total Deposits, 1 Yr Growth %	16.27	1.81	7.08	4.63	4.1
Tangible Book Value, 1 Yr. Growth %	5.96	1.67	-20.56	15.45	7.34
Average Interest Earning Assets, 1 Yr. Growth %	10.79	2.9	4.45	8.51	2.77
Average Interest Bearing Liabilities, 1 Yr. Growth %	9.69	0.1	5.86	10.61	2.7
Common Equity, 1 Yr. Growth %	4.14	1.49	-15.03	11.54	5.06
Total Equity, 1 Yr. Growth %	3.78	1.37	-13.84	10.47	4.64
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	0.08	1.76	8.78	9.99	7.28
Non Interest Income, 2 Yr. CAGR %	3.86	9.2	12.78	9.76	5.24
Provision For Loan Losses, 2 Yr. CAGR %	32.39	-44.17	-24.52	131.59	41.55
Total Revenues, 2 Yr. CAGR %	-9.35	20.34	24.72	-9.77	-1.79
Earnings From Cont. Operations, 2 Yr. CAGR %	-32.85	49.67	64.59	-37.21	-19.69
Net Income, 2 Yr. CAGR %	-32.83	49.47	64.68	-37.2	-19.66
Normalized Net Income, 2 Yr. CAGR %	-30.24	48.37	69.85	-38.16	-20.07
Diluted EPS Before Extra, 2 Yr. CAGR %	-33.79	56.38	85.77	-33.41	-19.59
Dividend Per Share, 2 Yr. CAGR %	-20.94	11.8	54.92	9.54	0
Gross Loans, 2 Yr. CAGR %	1.14	2.14	11.41	7.49	2.44
Allowance For Loan Losses, 2 Yr. CAGR %	46.82	25.93	-7.77	15.68	10.81
Net Loans, 2 Yr. CAGR %	-0.57	1.4	12.56	7.13	2.06
Non Performing Loans, 2 Yr. CAGR %	10.63	5.78	16.22	17.86	21.83
Non Performing Assets, 2 Yr. CAGR %	9.21	4.44	16.23	18.05	21.09
Total Assets, 2 Yr. CAGR %	6.38	5.24	3.91	5.19	3.76
Total Deposits, 2 Yr CAGR %	10.59	8.8	4.41	5.85	4.37
Tangible Book Value, 2 Yr. CAGR %	11.77	3.79	-10.13	-4.23	11.32
Average Interest Earning Assets, 2 Yr. CAGR %	6.64	6.77	3.67	6.46	5.6
Average Interest Bearing Liabilities, 2 Yr. CAGR %	6.19	4.78	2.94	8.21	6.58
Common Equity, 2 Yr. CAGR %	8.17	2.81	-7.14	-2.65	8.25
Total Equity, 2 Yr. CAGR %	7.94	2.57	-6.54	-2.44	7.52
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	0.67	1.85	5.12	8.47	8.89
Non Interest Income, 3 Yr. CAGR %	5.5	6.4	10.75	10.39	8.06
Provision For Loan Losses, 3 Yr. CAGR %	10.77	-30.76	-2.12	0.52	81.98
Total Revenues, 3 Yr. CAGR %	-2.48	13.37	8.31	13.02	-5.42
Earnings From Cont. Operations, 3 Yr. CAGR %	8.67	27.18	9.98	21.61	-27.38
Net Income, 3 Yr. CAGR %	11.05	27.24	9.89	21.66	-27.35
Normalized Net Income, 3 Yr. CAGR %	-13.75	27.64	8.39	23.58	-27.96
Diluted EPS Before Extra, 3 Yr. CAGR %	11.34	31.54	17.57	32.05	-24.54
Dividend Per Share, 3 Yr. CAGR %	-14.5	7.72	14.47	33.89	6.27
Gross Loans, 3 Yr. CAGR %	-0.39	4.08	5.52	8.39	5.73
Allowance For Loan Losses, 3 Yr. CAGR %	27.54	16.55	22.47	-0.58	12.46
Net Loans, 3 Yr. CAGR %	-1.51	3.65	4.96	8.93	5.42
Non Performing Loans, 3 Yr. CAGR %	3.44	10.6	10.99	15.37	21.95
Non Performing Assets, 3 Yr. CAGR %	-0.38	9.38	10.34	15.2	21.77
Total Assets, 3 Yr. CAGR %	4.86	5.09	5.26	4.31	4.27
Total Deposits, 3 Yr CAGR %	7.82	7.58	8.22	4.49	5.26
Tangible Book Value, 3 Yr. CAGR %	11.35	8.3	-5.06	-2.31	-0.52
Average Interest Earning Assets, 3 Yr. CAGR %	5.49	5.38	5.99	5.26	5.22
Average Interest Bearing Liabilities, 3 Yr. CAGR %	4.99	4.12	5.14	5.44	6.34
Common Equity, 3 Yr. CAGR %	7.65	5.9	-3.52	-1.29	-0.15
Total Equity, 3 Yr. CAGR %	7.3	5.71	-3.22	-1.18	-0.13
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	4	2.98	3.84	5.03	5.98
Non Interest Income, 5 Yr. CAGR %	4.14	6.24	8.36	7.73	8.51
Provision For Loan Losses, 5 Yr. CAGR %	17.74	-21.35	-4.99	12.23	13.44
Total Revenues, 5 Yr. CAGR %	-0.66	11.2	7.61	3.48	4.15
Earnings From Cont. Operations, 5 Yr. CAGR %	-7.5	26.87	28.3	-4.1	-3.02
Net Income, 5 Yr. CAGR %	-7.69	26.99	30	-4.07	-3.05
Normalized Net Income, 5 Yr. CAGR %	-9.62	22.4	9.66	-4.68	-4.02
Diluted EPS Before Extra, 5 Yr. CAGR %	-5.81	31.21	36.64	0.19	1
Dividend Per Share, 5 Yr. CAGR %	-7.79	4.56	8.45	8.45	8.45
Gross Loans, 5 Yr. CAGR %	1.81	2.45	4.17	5.43	4.28
Allowance For Loan Losses, 5 Yr. CAGR %	24.85	11.94	12.03	16.2	17.67
Net Loans, 5 Yr. CAGR %	0.98	2.14	3.89	5.03	3.79
Non Performing Loans, 5 Yr. CAGR %	-3.19	-7.21	8.37	13.45	15.21
Non Performing Assets, 5 Yr. CAGR %	-6.99	-9.5	5.96	12.77	14.52
Total Assets, 5 Yr. CAGR %	4.77	3.9	4.48	5.13	4.66
Total Deposits, 5 Yr CAGR %	7.01	5.6	6.44	6.88	6.66
Tangible Book Value, 5 Yr. CAGR %	7.36	8.1	2.2	3.1	1.18
Average Interest Earning Assets, 5 Yr. CAGR %	6.01	4.81	4.76	5.81	5.84
Average Interest Bearing Liabilities, 5 Yr. CAGR %	6.07	4.01	4.17	5.74	5.72
Common Equity, 5 Yr. CAGR %	4.7	5.42	1.47	2.39	1.03
Total Equity, 5 Yr. CAGR %	4.95	5.13	1.53	2.37	0.94