Cash flow KB Financial Group Inc.

Equities

A105560

KR7105560007

Banks

End-of-day quote Korea S.E. Other stock markets 07/07/2025			5-day change	1st Jan Change
114,400.00 ^KRW	+2.05%		+3.16%	+38.00%

07-07	Kookmin Bank Files for Singapore Listing of $50 Million Bonds Due 2026	MT
06-30	Tranche Update on KB Financial Group Inc.'s Equity Buyback Plan announced on April 24, 2025.	CI

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Published financial data: KB FINANCIAL GROUP INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	13,826B	12,760B	19,912B	27,730B	29,033B
Interest Income On Investments	659B	2,485B	876B	1,415B	1,459B
Interest Income, Total	14,486B	15,245B	20,789B	29,145B	30,491B
Interest On Deposits	4,763B	2,219B	7,676B	17,003B	17,665B
Total Interest On Borrowings	-	1,763B	-	-	-
Interest Expense, Total	4,763B	3,981B	7,676B	17,003B	17,665B
Net Interest Income	9,722B	11,263B	13,113B	12,142B	12,827B
Credit Card Fee	-	1,527B	-	-	-
Income From Trading Activities	-	-13,901B	-	-	-
Gain (Loss) on Sale of Loans	-	137B	-	-	-
Gain (Loss) on Sale of Assets	99.19B	-222B	-	-49M	24.44B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-6.28B	957B	110M	174M	1.02B
Income (Loss) on Equity Invest. (Income Block)	-	93.53B	-	-	-
Total Other Non Interest Income	2,788B	39,338B	1,900B	4,087B	4,200B
Non Operating Income (Expenses)	-	116B	-	-	-
Non Interest Income, Total	2,881B	28,046B	1,900B	4,087B	4,226B
Revenues Before Provison For Loan Losses	12,603B	39,309B	15,013B	16,229B	17,053B
Provision For Loan Losses	1,043B	1,185B	1,836B	3,146B	2,044B
Total Revenues	11,560B	38,124B	13,177B	13,083B	15,008B
Salaries And Other Employee Benefits	4,343B	4,533B	4,733B	4,014B	4,221B
Occupancy Expense	1,024B	1,017B	879B	917B	969B
Federal Deposit Insurance	-	551B	-	-	-
Selling General & Admin Expenses, Total	1,206B	1,383B	1,615B	1,412B	1,424B
(Gain) Loss on Sale of Loans	-	14.67B	-	-	-
(Income) Loss on Equity Invest.	43.75B	-	28.76B	-33.11B	16.88B
Total Other Non Interest Expense	260B	24,316B	311B	304B	325B
Non Operating (Income) Expenses	54.86B	228B	-186B	292B	1,007B
Non Interest Expense, Total	6,932B	32,042B	7,381B	6,906B	7,963B
EBT, Excl. Unusual Items	4,628B	6,082B	5,796B	6,177B	7,046B
Restructuring Charges	-	-	-	-	-
Total Merger & Related Restructuring Charges	-11.25B	-	-	-	-
Impairment of Goodwill	-	-	-	-6.27B	-60.27B
Other Unusual Items	145B	-	-	-	-
EBT, Incl. Unusual Items	4,762B	6,082B	5,796B	6,170B	6,985B
Income Tax Expense	1,259B	1,697B	1,622B	1,607B	1,957B
Earnings From Continuing Operations	3,502B	4,384B	4,173B	4,563B	5,029B
Net Income to Company	3,502B	4,384B	4,173B	4,563B	5,029B
Minority Interest	-47.13B	25.16B	222B	68.5B	49.62B
Net Income - (IS)	3,455B	4,410B	4,395B	4,632B	5,078B
Preferred Dividend and Other Adjustments	22.86B	71.54B	126B	185B	200B
Net Income to Common Incl Extra Items	3,432B	4,338B	4,268B	4,447B	4,878B
Net Income to Common Excl. Extra Items	3,432B	4,338B	4,268B	4,447B	4,878B
Per Share Items
Net EPS - Basic	8.81K	11.13K	10.95K	11.58K	12.88K
Basic EPS - Continuing Operations	8.81K	11.13K	10.95K	11.58K	12.88K
Basic Weighted Average Shares Outstanding	390M	390M	390M	384M	379M
Net EPS - Diluted	8.7K	10.89K	10.71K	11.31K	12.73K
Diluted EPS - Continuing Operations	8.7K	10.89K	10.71K	11.31K	12.73K
Diluted Weighted Average Shares Outstanding	395M	399M	399M	393M	383M
Normalized Basic EPS	7.3K	9.82K	9.87K	10.23K	11.76K
Normalized Diluted EPS	7.21K	9.6K	9.64K	9.99K	11.62K
Dividend Per Share	1.77K	2.94K	2.95K	3.06K	3.17K
Payout Ratio	25.58	23.89	35.59	28.86	33.22
American Depositary Receipts Ratio (ADR)	0.25	0.25	0.25	0.25	0.25
Supplemental Items
Effective Tax Rate - (Ratio)	26.45	27.91	27.99	26.04	28.01
Total Current Taxes	1,086B	-	1,850B	1,433B	1,568B
Total Deferred Taxes	323B	-	-1,540B	532B	-417B
Normalized Net Income	2,845B	3,826B	3,844B	3,929B	4,453B
Non-Cash Pension Expense	6.1B	-	4.3B	-22.99B	-15.41B
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	49.36B	-	58.28B	69.7B	140B
Stock-Based Comp., SG&A Exp. (Total)	-	102B	-	-	-
Total Stock-Based Compensation	49.36B	102B	58.28B	69.7B	140B

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	8,685B	15,893B	26,163B	25,827B	24,609B
Investment Securities, Total	102,759B	5,304B	120,653B	127,442B	138,247B
Trading Asset Securities, Total	66,481B	173,791B	74,312B	83,116B	91,121B
Total investments	169,240B	179,095B	194,965B	210,559B	229,368B
Gross Loans	377,328B	417,312B	437,756B	446,744B	472,878B
Allowance For Loan Losses	-3,283B	-3,684B	-4,159B	-5,463B	-5,633B
Other Adjustments to Gross Loans	-53.22B	-	-95.17B	-109B	-140B
Net Loans	373,992B	413,628B	433,502B	441,172B	467,105B
Gross Property Plant And Equipment	9,356B	9,489B	9,396B	9,632B	10,509B
Accumulated Depreciation	-3,918B	-4,249B	-4,405B	-4,686B	-5,119B
Net Property Plant And Equipment	5,438B	5,240B	4,991B	4,946B	5,390B
Goodwill	764B	806B	845B	867B	874B
Other Intangibles, Total	2,583B	2,460B	2,355B	1,084B	1,093B
Investment in Real Estate	2,534B	2,515B	3,148B	4,110B	3,759B
Accrued Interest Receivable	1,727B	1,917B	2,507B	3,130B	3,272B
Other Receivables	12,333B	6,735B	7,856B	11,815B	9,754B
Restricted Cash	15,303B	15,317B	4,810B	3,273B	4,339B
Other Current Assets, Total	2,278B	763B	2,550B	2,613B	2,179B
Deferred Tax Assets Long-Term (Collected)	65.06B	159B	251B	274B	279B
Other Long-Term Assets, Total	15,731B	19,368B	17,227B	6,068B	5,826B
Total Assets	610,672B	663,896B	701,171B	715,738B	757,846B
Liabilities
Accrued Expenses, Total	3,603B	3,577B	4,851B	6,554B	7,017B
Interest Bearing Deposits	161,951B	175,509B	223,965B	243,159B	265,778B
Non-Interest Bearing Deposits	176,630B	196,515B	164,924B	163,354B	169,910B
Total Deposits	338,580B	372,024B	388,888B	406,512B	435,688B
Short-Term Borrowings	16,187B	19,735B	23,739B	17,433B	22,627B
Current Portion of Long-Term Debt	16,334B	-	11,773B	15,652B	12,803B
Current Portion of Leases	215B	-	245B	243B	315B
Long-Term Debt	102,617B	183,561B	130,297B	127,997B	136,841B
Long-Term Leases	344B	-	348B	346B	649B
Current Income Taxes Payable	765B	663B	998B	145B	531B
Other Current Liabilities - (Bank / Utility Template)	2,465B	12,254B	2,460B	3,304B	3,042B
Unearned Revenue Non Current	2,751B	656B	1,002B	594B	606B
Pension & Other Post Retirement Benefits	248B	226B	85.74B	81.87B	100B
Deferred Tax Liability Non-Current	1,162B	1,471B	22.69B	2,180B	1,682B
Other Non Current Liabilities	82,039B	21,436B	86,818B	75,822B	76,129B
Total Liabilities	567,311B	615,602B	651,528B	656,865B	698,030B
Common Stock, Total	2,091B	2,091B	2,091B	2,091B	2,091B
Additional Paid In Capital	16,724B	17,422B	16,941B	16,648B	16,647B
Retained Earnings	22,517B	25,673B	28,447B	32,029B	34,808B
Treasury Stock	-1,136B	-1,136B	-836B	-1,166B	-1,236B
Comprehensive Income and Other	2,308B	3,412B	1,721B	7,328B	5,580B
Total Common Equity	42,504B	47,461B	48,363B	56,930B	57,889B
Minority Interest	858B	833B	1,280B	1,944B	1,926B
Total Equity	43,361B	48,294B	49,643B	58,873B	59,815B
Total Liabilities And Equity	610,672B	663,896B	701,171B	715,738B	757,846B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	390M	390M	390M	379M	374M
ECS Total Common Shares Outstanding	390M	390M	390M	379M	374M
Book Value / Share	105K	122K	113K	137K	141K
Tangible Book Value	39,157B	44,194B	45,162B	54,979B	55,922B
Tangible Book Value Per Share	96.14K	113K	105K	132K	136K
Average Assets	-	-	-	-	-
Average Loans	-	-	-	-	-
Total Debt	135,697B	203,296B	166,402B	161,672B	173,235B
Deposits at Interest - Cash	5,796B	-	23,600B	23,570B	22,530B
Debt Equivalent of Unfunded Proj. Benefit Obligation	245B	-	-393B	-292B	-158B
Net Debt	57,356B	8,756B	62,899B	49,096B	52,538B
Equity Method Investments, Total	771B	449B	683B	722B	947B
Full Time Employees	-	-	-	-	-
Number Of Offices	-	-	-	-	-
Assets under Capital Lease - Gross	-	-	-	-	-
Assets under Capital Lease - Accumulated Depreciation	-	-	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	3,455B	4,410B	4,395B	4,632B	5,078B
Depreciation, Depletion & Amortization	673B	851B	567B	478B	518B
Amortization of Goodwill and Intangible Assets - (CF)	222B	156B	200B	96.94B	105B
Total Depreciation, Depletion & Amortization	895B	1,007B	767B	575B	624B
Amortization of Deferred Charges, Total	154B	-	249B	291B	293B
(Gain) Loss On Sale of Asset - (CF)	-124B	-93.53B	-252B	131B	145B
(Gain) Loss on Sale of Investments - (CF)	-901B	-60.52B	-58.9B	-1,484B	302B
Provision for Credit Losses	1,043B	1,185B	1,836B	3,146B	2,044B
(Income) Loss On Equity Investments - (CF)	43.75B	-	28.76B	-33.11B	16.88B
Stock-Based Compensation (CF)	49.36B	102B	58.28B	69.7B	140B
Change in Trading Asset Securities	-7,140B	-6,110B	3,122B	-6,248B	-701B
Change In Income Taxes	269B	-91.69B	229B	-893B	290B
Change In Deferred Taxes	-140B	201B	-244B	195B	373B
Change in Other Net Operating Assets (Collected)	-40,240B	-43,132B	-23,466B	-3,395B	-20,691B
Other Operating Activities	3,713B	3,386B	2,456B	-5,074B	-7,715B
Cash from Operations	-38,922B	-39,198B	-10,880B	-8,087B	-19,801B
Capital Expenditure	-425B	-406B	-297B	-350B	-337B
Sale of Property, Plant, and Equipment	6.46B	184B	31.18B	8.18B	18.62B
Cash Acquisitions	-1,951B	375B	-	-	-
Divestitures	-	-	932B	1,297B	88.53B
Purchase / Sale of Intangible Assets	-169B	-183B	-232B	-325B	-269B
Sale (Purchase) of Real Estate Properties (Collected)	593B	-	642B	-1,015B	176B
Investment in Marketable and Equity Securities, Total	-9,122B	-3,902B	-21,175B	-2,590B	-3,061B
Other Investing Activities, Total	78.78B	75.53B	-188B	-544B	-442B
Cash from Investing	-10,988B	-3,856B	-20,286B	-3,519B	-3,825B
Long-Term Debt Issued, Total	130,389B	130,231B	122,277B	83,777B	86,032B
Total Debt Issued	130,389B	130,231B	122,277B	83,777B	86,032B
Long-Term Debt Repaid, Total	-107,996B	-118,272B	-106,889B	-86,141B	-85,518B
Total Debt Repaid	-107,996B	-118,272B	-106,889B	-86,141B	-85,518B
Issuance of Common Stock	1,297B	-	1,596B	599B	399B
Repurchase of Common Stock	-	-	-	-572B	-1,170B
Common Dividends Paid	-884B	-	-1,564B	-1,337B	-1,687B
Common & Preferred Stock Dividends Paid	-	-1,053B	-	-	-
Common & Preferred Stock Dividends Paid	-884B	-1,053B	-1,564B	-1,337B	-1,687B
Net Increase (Decrease) in Deposit Accounts - (CF)	27,382B	32,498B	16,566B	12,196B	23,821B
Other Financing Activities, Total	2,457B	-84.1B	-102B	2,435B	-39.84B
Cash from Financing	52,644B	43,319B	31,884B	10,957B	21,837B
Foreign Exchange Rate Adjustments	-172B	158B	171B	-58.46B	571B
Net Change in Cash	2,561B	423B	889B	-708B	-1,218B
Supplemental Items
Cash Interest Paid	5,266B	-	6,356B	13,119B	15,355B
Cash Income Tax Paid (Refund)	1,119B	-	1,524B	2,189B	1,158B
Net Debt Issued / Repaid	22,392B	11,959B	15,388B	-2,364B	514B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.62	0.69	0.61	0.65	0.68
Return On Equity %	8.49	9.56	8.52	8.08	8.49
Return on Common Equity	8.47	9.64	8.91	8.1	8.52
Shareholders Value Added	-1,178B	-835B	-1,154B	-1,857B	-1,691B
Margin Analysis
SG&A Margin	56.86	18.18	54.42	48.49	44.07
Net Interest Income / Total Revenues %	84.11	29.54	99.52	92.81	85.46
EBT Excl. Non-Recurring Items Margin %	40.03	15.95	43.98	47.21	46.94
Income From Continuing Operations Margin %	30.3	11.5	31.67	34.88	33.51
Net Income Margin %	29.89	11.57	33.35	35.4	33.84
Net Avail. For Common Margin %	29.69	11.38	32.39	33.99	32.5
Normalized Net Income Margin	24.61	10.04	29.17	30.03	29.67
Asset quality
Nonperforming Loans / Total Loans %	0.91	-	0.81	1.1	1.06
Nonperforming Loans / Total Assets %	0.56	-	0.51	0.69	0.66
Nonperforming Assets / Total Assets %	0.56	-	0.51	0.69	0.66
NPAs / Loans and OREO	0.91	-	0.81	1.1	1.06
NPAs / Equity	7.9	-	7.15	8.34	8.38
Allowance for Credit Losses / Net Charge-offs %	362.63	-	378.02	371.93	337.92
Allowance for Credit Losses / Nonperforming Loans %	95.81	-	117.11	111.3	112.43
Allowance for Credit Losses / Total Loans %	0.87	0.88	0.95	1.22	1.19
Net Charge-offs / Total Average Loans %	-	-	-	-	-
Provision for Loan Losses / Net Charge-offs %	115.25	-	166.89	214.22	122.63
Earning Assets / IBL	-	-	-	-	-
Interest Income / Average Assets	-	-	-	-	-
Interest Expense / Average Assets	-	-	-	-	-
Net Interest Income / Average Assets	-	-	-	-	-
Non Interest Income / Average Assets	-	-	-	-	-
Non Interest Expense / Average Asset	-	-	-	-	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.18	7.06	7.02	7.82	7.78
Total Average Equity / Total Average Assets %	7.3	7.19	7.17	8.04	8.04
Total Equity + Allowance for Loan Losses / Total Loans %	12.13	12.26	12	13.97	13.43
Gross Loans / Total Deposits %	111.44	112.17	112.57	109.9	108.54
Net Loans / Total Deposits %	110.46	111.18	111.47	108.53	107.21
Tier 1 Capital Ratio %	14.06	-	14.86	15.37	15.17
Total Capital Ratio %	15.28	-	16.16	16.73	16.43
Core Tier 1 Capital Ratio	13.3	-	13.24	13.59	13.53
Tier 2 Capital Ratio	1.21	-	1.3	1.35	1.26
Coverage Ratio	95.81	-	117.11	111.3	112.43
Interbank Ratio	54.89	-	15.21	32.87	31.65
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	-	4.45	-	-	-
EBT + Interest Expense / Interest Expense	2	2.53	1.76	1.36	1.4
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	5.71	15.32	16.77	5.44	5.3
Non Interest Income, 1 Yr. Growth %	27.25	6.57	-41.62	69.02	5.7
Provision For Loan Losses, 1 Yr. Growth %	55.7	13.57	54.92	70.28	-35.03
Total Revenues, 1 Yr. Growth %	7.13	8.8	-0.92	8.25	15.16
Earnings From Cont. Operations, 1 Yr. Growth %	5.71	24.71	-4.82	16.08	11.1
Net Income, 1 Yr. Growth %	4.33	27.13	-0.33	11.53	10.52
Normalized Net Income, 1 Yr. Growth %	0.42	30.13	0.46	8.3	14.25
Diluted EPS Before Extra, 1 Yr. Growth %	3.67	24.73	-1.69	12.01	13.44
Dividend Per Share, 1 Yr. Growth %	-19.91	66.1	0.34	3.73	3.73
Gross Loans, 1 Yr. Growth %	12.31	10.43	5.03	2.9	5.85
Allowance For Loan Losses, 1 Yr. Growth %	36.35	12.2	12.88	31.29	3.12
Net Loans, 1 Yr. Growth %	12.13	10.41	4.95	2.62	5.88
Non Performing Loans, 1 Yr. Growth %	80.28	-	1.8	38.34	2.09
Non Performing Assets, 1 Yr. Growth %	80.28	-	1.8	38.34	2.09
Total Assets, 1 Yr. Growth %	17.77	8.71	5.61	3.93	5.88
Total Deposits, 1 Yr Growth %	10.79	9.88	4.53	3.19	7.18
Tangible Book Value, 1 Yr. Growth %	9.36	12.76	2.19	7.87	2.16
Average Interest Earning Assets, 1 Yr. Growth %	-	-	-	-	-
Average Interest Bearing Liabilities, 1 Yr. Growth %	-	-	-	-	-
Common Equity, 1 Yr. Growth %	10.3	11.55	1.9	7.76	2.11
Total Equity, 1 Yr. Growth %	10.84	11.27	2.79	8.81	2.01
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	4.49	10.67	16.14	3.98	5.54
Non Interest Income, 2 Yr. CAGR %	17.08	251.97	-18.79	12.08	32.19
Provision For Loan Losses, 2 Yr. CAGR %	24.46	32.98	32.64	62.94	5.18
Total Revenues, 2 Yr. CAGR %	5.77	87.97	6.77	-0.81	11.44
Earnings From Cont. Operations, 2 Yr. CAGR %	6.95	15.04	9.16	2.02	13.1
Net Income, 2 Yr. CAGR %	6.24	15.39	12.78	2.49	10.58
Normalized Net Income, 2 Yr. CAGR %	2.89	16.21	16.23	1.33	10.79
Diluted EPS Before Extra, 2 Yr. CAGR %	6.44	13.93	10.95	1.92	12.25
Dividend Per Share, 2 Yr. CAGR %	-3.99	15.34	29.1	2.02	3.73
Gross Loans, 2 Yr. CAGR %	8.84	11.45	7.71	3.53	4.36
Allowance For Loan Losses, 2 Yr. CAGR %	12.17	23.69	12.54	21.77	16.36
Net Loans, 2 Yr. CAGR %	8.81	11.36	7.66	3.35	4.24
Non Performing Loans, 2 Yr. CAGR %	27.82	-	1.79	18.62	18.84
Non Performing Assets, 2 Yr. CAGR %	27.82	-	1.79	18.62	18.84
Total Assets, 2 Yr. CAGR %	12.84	13.15	7.15	3.83	4.9
Total Deposits, 2 Yr CAGR %	10.6	10.34	7.17	4.53	5.17
Tangible Book Value, 2 Yr. CAGR %	9.02	11.1	7.39	11.54	4.75
Average Interest Earning Assets, 2 Yr. CAGR %	-	-	-	-	-
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	-	-	-	-
Common Equity, 2 Yr. CAGR %	9.11	10.98	6.67	9.52	4.68
Total Equity, 2 Yr. CAGR %	10.19	11.11	7	10.41	5.14
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	5.64	8.15	12.55	7.69	4.53
Non Interest Income, 3 Yr. CAGR %	14.27	137.2	-5.68	12.37	9.1
Provision For Loan Losses, 3 Yr. CAGR %	23.93	20.72	39.92	44.47	19.93
Total Revenues, 3 Yr. CAGR %	6.28	54.52	6.89	4.21	4.11
Earnings From Cont. Operations, 3 Yr. CAGR %	1.56	12.71	8	9.22	4.68
Net Income, 3 Yr. CAGR %	1.43	12.94	9.89	10.26	4.82
Normalized Net Income, 3 Yr. CAGR %	4.65	12.49	10.7	11.36	5.19
Diluted EPS Before Extra, 3 Yr. CAGR %	1.74	12.36	8.47	9.16	5.33
Dividend Per Share, 3 Yr. CAGR %	-2.68	15.26	10.11	20.02	2.59
Gross Loans, 3 Yr. CAGR %	9.04	9.43	9.22	5.79	4.3
Allowance For Loan Losses, 3 Yr. CAGR %	15.88	12.18	19.98	18.49	15.21
Net Loans, 3 Yr. CAGR %	8.98	9.41	9.13	5.66	4.19
Non Performing Loans, 3 Yr. CAGR %	14.81	-	23.16	12.72	12.83
Non Performing Assets, 3 Yr. CAGR %	14.81	-	23.16	12.72	12.83
Total Assets, 3 Yr. CAGR %	11.82	11.45	10.58	5.43	4.51
Total Deposits, 3 Yr CAGR %	9.8	10.36	8.37	6.28	5.41
Tangible Book Value, 3 Yr. CAGR %	7.99	10.28	8.05	11.98	8.16
Common Equity, 3 Yr. CAGR %	7.68	9.95	7.87	10.23	6.84
Total Equity, 3 Yr. CAGR %	8.4	10.58	8.27	10.73	7.39
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	9.4	11.96	9.72	6.4	6.88
Non Interest Income, 5 Yr. CAGR %	19.58	93.22	-0.32	14.23	13.3
Provision For Loan Losses, 5 Yr. CAGR %	0.12	17.06	27.34	36.1	24.99
Total Revenues, 5 Yr. CAGR %	12.75	40.74	6.47	4.83	6.82
Earnings From Cont. Operations, 5 Yr. CAGR %	15.19	14.89	4.53	8.31	8.7
Net Income, 5 Yr. CAGR %	15.26	15.52	5.82	8.64	8.93
Normalized Net Income, 5 Yr. CAGR %	16.53	16.69	9.13	7.89	9.46
Diluted EPS Before Extra, 5 Yr. CAGR %	14.72	14.39	5.33	8.06	8.69
Dividend Per Share, 5 Yr. CAGR %	12.55	18.66	8.97	9.77	7.51
Gross Loans, 5 Yr. CAGR %	8.81	9.38	8.5	7	7.08
Allowance For Loan Losses, 5 Yr. CAGR %	4.92	10.09	14.53	15.92	18.53
Net Loans, 5 Yr. CAGR %	8.85	9.38	8.45	6.91	6.97
Non Performing Loans, 5 Yr. CAGR %	2.73	-	9.41	18.53	21.39
Non Performing Assets, 5 Yr. CAGR %	2.73	-	9.41	18.53	21.39
Total Assets, 5 Yr. CAGR %	13.16	12.06	9.93	8.34	7.88
Total Deposits, 5 Yr CAGR %	8.59	9.19	8.74	7.99	7.35
Tangible Book Value, 5 Yr. CAGR %	6.78	7.81	7.75	10.78	9.33
Average Interest Earning Assets, 5 Yr. CAGR %	-	-	-	-	-
Average Interest Bearing Liabilities, 5 Yr. CAGR %	-	-	-	-	-
Common Equity, 5 Yr. CAGR %	8.19	8.89	7.28	9.78	8.48
Total Equity, 5 Yr. CAGR %	8.45	9.09	7.84	10.51	8.86