Income Statement AmeriServ Financial, Inc.

Stocks

ASRV

US03074A1025

Banks

Real-time Estimate Cboe BZX Other stock markets 12:49:22 2026-06-11 pm EDT			5-day change	1st Jan Change
3.800 ^USD	+0.80%		+0.26%	+18.81%

Apr. 21	AmeriServ Financial, Inc. Reports Earnings Results for the First Quarter Ended March 31, 2026	CI
Apr. 21	Ameriserv Financial, Inc. Reports Net Loan Charge-Offs for the First Quarter Ended March 31, 2026	CI

40234.5BDWbGpqbEuMY6p3qXO36aUqxXWol_lQqcTwQoj-W-U.lUqJKSAsJTHCEcgC6xjAh_dr91jDxZ1m_IaSBrCSArq2WoUJXDUEGL8J5w

Published financial data: AMERISERV FINANCIAL, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	40.58M	41.48M	51.63M	56.76M	60.16M
Interest Income On Investments	6.08M	7.57M	9.23M	9.75M	11.19M
Interest Income, Total	46.67M	49.06M	60.86M	66.5M	71.35M
Interest On Deposits	4.81M	6.42M	21.01M	25.45M	25.47M
Total Interest On Borrowings	2.78M	2.07M	3.83M	5.01M	3.62M
Interest Expense, Total	7.59M	8.5M	24.84M	30.46M	29.09M
Net Interest Income	39.08M	40.56M	36.02M	36.05M	42.26M
Service Charges On Deposits	965K	1.11M	1.16M	1.19M	1.14M
Trust Income	11.99M	11.62M	11.27M	12.32M	11.56M
Total Mortgage Banking Activities	358K	115K	131K	130K	184K
Gain (Loss) on Sale of Loans	664K	208K	169K	174K	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	127K	-22K	826K	-	118K
Total Other Non Interest Income	3.66M	3.66M	2.83M	4.16M	3.98M
Non Interest Income, Total	17.76M	16.69M	16.39M	17.98M	16.99M
Revenues Before Provison For Loan Losses	56.84M	57.26M	52.41M	54.02M	59.25M
Provision For Loan Losses	1.1M	50K	7.43M	884K	4.12M
Total Revenues	55.74M	57.2M	44.98M	53.14M	55.13M
Salaries And Other Employee Benefits	27.8M	28.44M	29.58M	28.38M	28.94M
Occupancy Expense	2.62M	2.88M	2.92M	2.97M	2.98M
Federal Deposit Insurance	655K	515K	715K	1.02M	987K
Selling General & Admin Expenses, Total	7.75M	9.49M	12.08M	11.82M	10.97M
Total Other Non Interest Expense	7.75M	6.67M	4.07M	4.56M	4.46M
Non Interest Expense, Total	46.58M	48M	49.37M	48.74M	48.34M
EBT, Excl. Unusual Items	9.16M	9.2M	-4.39M	4.4M	6.8M
Total Merger & Related Restructuring Charges	-389K	-	-	-	-
EBT, Incl. Unusual Items	8.77M	9.2M	-4.39M	4.4M	6.8M
Income Tax Expense	1.7M	1.75M	-1.04M	798K	1.18M
Earnings From Continuing Operations	7.07M	7.45M	-3.35M	3.6M	5.61M
Net Income to Company	7.07M	7.45M	-3.35M	3.6M	5.61M
Net Income - (IS)	7.07M	7.45M	-3.35M	3.6M	5.61M
Preferred Dividend and Other Adjustments	-	-	-	-	-
Net Income to Common Incl Extra Items	7.07M	7.45M	-3.35M	3.6M	5.61M
Net Income to Common Excl. Extra Items	7.07M	7.45M	-3.35M	3.6M	5.61M
Per Share Items
Net EPS - Basic	0.41	0.44	-0.2	0.21	0.34
Basic EPS - Continuing Operations	0.41	0.44	-0.2	0.21	0.34
Basic Weighted Average Shares Outstanding	17.07M	17.11M	17.14M	16.8M	16.52M
Net EPS - Diluted	0.41	0.43	-0.2	0.21	0.34
Diluted EPS - Continuing Operations	0.41	0.43	-0.2	0.21	0.34
Diluted Weighted Average Shares Outstanding	17.11M	17.15M	17.14M	16.8M	16.53M
Normalized Basic EPS	0.34	0.34	-0.16	0.16	0.26
Normalized Diluted EPS	0.33	0.34	-0.16	0.16	0.26
Dividend Per Share	0.1	0.12	0.12	0.12	0.12
Payout Ratio	24.15	26.41	-61.51	56.1	35.32
Supplemental Items
Effective Tax Rate - (Ratio)	19.4	19.05	23.75	18.14	17.42
Current Domestic Taxes	-	-	-	-	-
Total Current Taxes	973K	1.22M	-477K	832K	192K
Deferred Domestic Taxes	-	-	-	-	-
Total Deferred Taxes	729K	533K	-565K	-34K	992K
Normalized Net Income	5.73M	5.75M	-2.74M	2.75M	4.25M
Non-Cash Pension Expense	1.04M	1.1M	-2.26M	-2.12M	-2.62M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	43K	50K	45K	8K	-
Total Stock-Based Compensation	43K	50K	45K	8K	-

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	41.1M	22.96M	14.03M	17.75M	50.89M
Investment Securities, Total	126M	133M	112M	101M	101M
Trading Asset Securities, Total	1.23M	6.99M	4.58M	4.66M	9.87M
Mortgage Backed Securities	90.72M	109M	117M	118M	147M
Total investments	218M	248M	234M	224M	259M
Gross Loans	986M	991M	1.04B	1.07B	1.03B
Allowance For Loan Losses	-12.4M	-10.74M	-15.05M	-13.91M	-13.13M
Other Adjustments to Gross Loans	-826K	-343K	-483K	-517K	-466K
Net Loans	973M	980M	1.02B	1.05B	1.02B
Gross Property Plant And Equipment	43.6M	43.98M	44.33M	44.13M	42.36M
Accumulated Depreciation	-26.17M	-26.47M	-27.15M	-26.02M	-24.93M
Net Property Plant And Equipment	17.43M	17.5M	17.18M	18.11M	17.43M
Goodwill	13.61M	13.61M	13.61M	13.61M	13.61M
Other Intangibles, Total	158K	128K	101K	77K	56K
Investment in FHLB	2.69M	5.75M	5.21M	4.76M	3.78M
Loans Held For Sale	983K	59K	130K	460K	241K
Accrued Interest Receivable	3.98M	4.8M	5.53M	5.49M	5.56M
Other Receivables	850K	850K	850K	-	-
Restricted Cash	-	-	-	-	-
Deferred Tax Assets Long-Term (Collected)	-	2.79M	2.68M	1.41M	-
Other Real Estate Owned And Foreclosed	116K	296K	347K	1.92M	346K
Deferred Charges Long-Term	-	-	-	-	-
Other Long-Term Assets, Total	63.83M	66.72M	72.48M	80.63M	83.76M
Total Assets	1.34B	1.36B	1.39B	1.42B	1.45B
Liabilities
Interest Bearing Deposits	862M	663M	904M	928M	945M
Institutional Deposits	66.7M	250M	81.8M	101M	144M
Non-Interest Bearing Deposits	211M	195M	172M	172M	159M
Total Deposits	1.14B	1.11B	1.16B	1.2B	1.25B
Short-Term Borrowings	1.23M	95.51M	46.06M	19.5M	2.76M
Current Portion of Long-Term Debt	22.89M	15.57M	7.95M	11.94M	17.77M
Current Portion of Leases	418K	394K	427K	521K	531K
Long-Term Debt	26.6M	26.64M	26.68M	26.73M	26.77M
Federal Home Loan Bank Debt - Long-Term	19.76M	4.2M	36.62M	44.12M	26.84M
Long-Term Leases	3.16M	2.93M	2.93M	3.74M	3.4M
Trust Preferred Securities (BS)	-	-	-	-	-
Deferred Tax Liability Non-Current	934K	-	-	-	1.64M
Other Non Current Liabilities	4.64M	3.91M	8.33M	7.57M	6.67M
Total Liabilities	1.22B	1.26B	1.29B	1.32B	1.33B
Common Stock, Total	267K	267K	268K	268K	270K
Additional Paid In Capital	146M	146M	146M	146M	147M
Retained Earnings	60M	65.49M	58.9M	60.48M	64.11M
Treasury Stock	-83.28M	-83.28M	-83.28M	-84.79M	-84.79M
Comprehensive Income and Other	-6.51M	-22.52M	-19.98M	-15.08M	-7.35M
Total Common Equity	117M	106M	102M	107M	119M
Total Equity	117M	106M	102M	107M	119M
Total Liabilities And Equity	1.34B	1.36B	1.39B	1.42B	1.45B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	17.1M	17.15M	17.15M	16.52M	16.96M
ECS Total Common Shares Outstanding	17.08M	17.12M	17.15M	16.52M	16.52M
Book Value / Share	6.82	6.2	5.96	6.49	7.22
Tangible Book Value	103M	92.44M	88.56M	93.56M	106M
Tangible Book Value Per Share	6.02	5.4	5.16	5.66	6.39
Tangible Book Value Per Share (As Reported)	6.02	5.4	5.16	5.66	6.39
Average Assets	1.35B	1.35B	1.36B	1.4B	1.45B
Average Loans	989M	978M	997M	1.04B	1.06B
Total Debt	74.06M	145M	121M	107M	78.07M
Deposits at Interest - Cash	16.35M	4.13M	4.35M	3.86M	39.42M
Debt Equivalent of Unfunded Proj. Benefit Obligation	-20.14M	-21.35M	-24.52M	-31.39M	-36.54M
Net Debt	31.74M	115M	102M	84.14M	17.31M
Full Time Employees	319	329	323	313	311
Number Of Offices	17	17	17	16	16

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	7.07M	7.45M	-3.35M	3.6M	5.61M
Depreciation, Depletion & Amortization	2.02M	2.07M	2.05M	2.06M	2.08M
Amortization of Goodwill and Intangible Assets - (CF)	19K	30K	27K	24K	21K
Total Depreciation, Depletion & Amortization	2.04M	2.1M	2.07M	2.08M	2.1M
Amortization of Deferred Charges, Total	-	-	-	-	-
Gain (Loss) on Sale of Loans & Receivables - (CF)	-664K	-208K	-169K	-174K	-116K
(Gain) Loss on Sale of Investments - (CF)	138K	108K	971K	76K	-98K
Provision for Credit Losses	1.1M	50K	7.43M	884K	4.12M
Stock-Based Compensation (CF)	43K	50K	45K	8K	-
Net (Increase) Decrease in Loans Originated / Sold - Operating	5.93M	1.13M	98K	-156K	335K
Change in Trading Asset Securities	-	-	-	-	-7.25M
Changes in Accrued Interest Receivable	1.08M	-820K	-725K	43K	-71K
Changes in Accrued Interest Payable	-490K	45K	3.07M	-335K	552K
Change in Other Net Operating Assets (Collected)	-94K	-84K	-70K	-169K	-178K
Other Operating Activities	-6.22M	-4.61M	-3.09M	-3.17M	-1.81M
Cash from Operations	9.94M	5.21M	6.29M	2.69M	3.19M
Capital Expenditure	-1.24M	-2.08M	-1.38M	-1.71M	-1.12M
Cash Acquisitions	40.43M	-	-	-	-
Investment in Marketable and Equity Securities, Total	-31.4M	-45.24M	11.29M	10.68M	-22.64M
Net (Increase) Decrease in Loans Originated / Sold - Investing	-11.63M	-6.92M	-50.87M	-33.5M	30.52M
Other Investing Activities, Total	3.35M	-2.05M	970K	1.43M	4.32M
Cash from Investing	-488K	-56.28M	-39.99M	-23.1M	11.07M
Short Term Debt Issued, Total	-	88.64M	-	-	-
Long-Term Debt Issued, Total	28.59M	-	42.36M	28.7M	1.91M
Total Debt Issued	28.59M	88.64M	42.36M	28.7M	1.91M
Short Term Debt Repaid, Total	-24.7M	-	-47.69M	-26.31M	-14.64M
Long-Term Debt Repaid, Total	-44.21M	-23.11M	-17.8M	-17.38M	-13.54M
Total Debt Repaid	-68.92M	-23.11M	-65.49M	-43.68M	-28.18M
Issuance of Common Stock	57K	106K	94K	-	9K
Repurchase of Common Stock	-	-	-	-1.51M	-
Repurchase of Preferred Stock	-	-	-	-	-
Common Dividends Paid	-1.71M	-1.97M	-2.06M	-2.02M	-1.98M
Preferred Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-1.71M	-1.97M	-2.06M	-2.02M	-1.98M
Net Increase (Decrease) in Deposit Accounts - (CF)	42.12M	-30.74M	49.86M	42.64M	47.13M
Cash from Financing	146K	32.93M	24.77M	24.13M	18.89M
Net Change in Cash	9.6M	-18.14M	-8.94M	3.72M	33.14M
Supplemental Items
Cash Interest Paid	8.05M	8.45M	21.77M	30.8M	28.5M
Cash Income Tax Paid (Refund)	200K	1.1M	625K	-1.1M	-325K
Net Debt Issued / Repaid	-40.33M	65.53M	-23.12M	-14.98M	-26.27M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.54	0.55	-0.24	0.26	0.39
Return On Equity %	6.4	6.69	-3.21	3.44	4.95
Return on Common Equity	6.4	6.69	-3.21	3.44	4.95
Shareholders Value Added	-5.92M	-5.89M	-15.83M	-8.95M	-7.96M
Margin Analysis
SG&A Margin	68.48	71.35	99.12	81.23	77.8
Net Interest Income / Total Revenues %	70.11	70.91	80.08	67.84	76.66
EBT Excl. Non-Recurring Items Margin %	16.44	16.08	-9.76	8.28	12.33
Income From Continuing Operations Margin %	12.69	13.02	-7.44	6.78	10.18
Net Income Margin %	12.69	13.02	-7.44	6.78	10.18
Net Avail. For Common Margin %	12.69	13.02	-7.44	6.78	10.18
Normalized Net Income Margin	10.27	10.05	-6.1	5.17	7.7
Asset quality
Nonperforming Loans / Total Loans %	0.34	0.52	1.19	1.02	0.8
Nonperforming Loans / Total Assets %	0.25	0.38	0.89	0.77	0.57
Nonperforming Assets / Total Assets %	0.25	0.38	0.89	0.89	0.59
NPAs / Loans and OREO	0.34	0.52	1.19	1.18	0.82
NPAs / Equity	2.85	4.9	12.12	11.8	7.14
Allowance for Credit Losses / Net Charge-offs %	26.38K	630.09	435.44	687.69	268.36
Allowance for Credit Losses / Nonperforming Loans %	373.1	208.16	121.61	127.25	158.13
Allowance for Credit Losses / Total Loans %	1.26	1.08	1.45	1.3	1.27
Net Charge-offs / Total Average Loans %	0	0.17	0.35	0.19	0.46
Provision for Loan Losses / Net Charge-offs %	2.34K	2.93	214.9	43.7	84.22
Earning Assets / IBL	122.02	122.87	120.27	117.63	116.49
Interest Income / Average Assets	3.46	3.64	4.48	4.76	4.94
Interest Expense / Average Assets	0.56	0.63	1.83	2.18	2.01
Net Interest Income / Average Assets	2.9	3.01	2.65	2.58	2.92
Non Interest Income / Average Assets	1.32	1.24	1.21	1.29	1.18
Non Interest Expense / Average Asset	3.45	3.57	3.64	3.49	3.34
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.44	8.25	7.57	7.45	7.88
Total Average Equity / Total Average Assets %	8.44	8.25	7.57	7.45	7.88
Total Equity + Allowance for Loan Losses / Total Loans %	13.08	11.8	11.3	11.34	12.82
Gross Loans / Total Deposits %	86.53	89.41	89.67	88.96	82.78
Net Loans / Total Deposits %	85.37	88.41	88.33	87.76	81.69
Tier 1 Capital Ratio %	10.29	10.41	9.46	9.19	9.8
Total Capital Ratio %	14.04	13.87	13.03	12.7	13.3
Core Tier 1 Capital Ratio	10.29	10.41	9.46	9.19	9.8
Equity Tier 1 Capital Ratio	7.78	6.85	6.44	6.64	7.34
Coverage Ratio	571.34	300.5	138.94	97.52	172.13
Leverage Ratio %	8.17	8.52	7.8	7.68	7.79
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	4.16	5.44	-0.15	1.88	2.88
EBT + Interest Expense / Interest Expense	2.16	2.08	0.82	1.14	1.23
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	7.47	3.79	-11.2	0.08	17.24
Non Interest Income, 1 Yr. Growth %	9.13	-6.02	-1.82	9.68	-5.49
Provision For Loan Losses, 1 Yr. Growth %	-53.68	-95.45	14.76K	-88.1	366.06
Total Revenues, 1 Yr. Growth %	10.9	2.62	-21.37	18.14	3.75
Earnings From Cont. Operations, 1 Yr. Growth %	53.81	5.32	-144.92	-207.62	55.85
Net Income, 1 Yr. Growth %	53.81	5.32	-144.92	-207.62	55.85
Normalized Net Income, 1 Yr. Growth %	57.66	0.41	-147.69	-200.25	54.49
Diluted EPS Before Extra, 1 Yr. Growth %	52.06	4.88	-146.51	-205	61.77
Dividend Per Share, 1 Yr. Growth %	0	15	4.35	0	0
Gross Loans, 1 Yr. Growth %	1.29	0.53	4.81	2.86	-3.3
Allowance For Loan Losses, 1 Yr. Growth %	9.28	-13.35	40.12	-7.58	-5.64
Net Loans, 1 Yr. Growth %	1.24	0.76	4.41	3.01	-3.27
Non Performing Loans, 1 Yr. Growth %	32.92	55.31	139.84	-11.67	-24.06
Non Performing Assets, 1 Yr. Growth %	-0.24	56.49	138.33	2.13	-32.7
Total Assets, 1 Yr. Growth %	4.12	2.12	1.89	2.35	2.21
Total Deposits, 1 Yr Growth %	8.01	-2.71	4.49	3.68	3.92
Tangible Book Value, 1 Yr. Growth %	11.17	-10.06	-4.19	5.64	12.92
Average Interest Earning Assets, 1 Yr. Growth %	9.01	0	1.39	2.51	3.3
Average Interest Bearing Liabilities, 1 Yr. Growth %	7.13	-0.69	3.58	4.82	4.31
Common Equity, 1 Yr. Growth %	11.64	-8.9	-3.67	4.86	11.25
Total Equity, 1 Yr. Growth %	11.64	-8.9	-3.67	4.86	11.25
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	5.01	5.61	-4	-5.73	8.32
Non Interest Income, 2 Yr. CAGR %	9.65	1.27	-3.94	3.77	1.81
Provision For Loan Losses, 2 Yr. CAGR %	17.26	-85.49	159.88	320.48	-25.53
Total Revenues, 2 Yr. CAGR %	6.21	6.68	-10.17	-3.62	10.71
Earnings From Cont. Operations, 2 Yr. CAGR %	8.31	27.27	-31.22	-30.47	29.51
Net Income, 2 Yr. CAGR %	8.31	27.27	-31.22	-30.47	29.51
Normalized Net Income, 2 Yr. CAGR %	9.8	25.82	-30.8	-30.86	24.45
Diluted EPS Before Extra, 2 Yr. CAGR %	8.66	26.28	-30.16	-30.12	30.33
Dividend Per Share, 2 Yr. CAGR %	2.6	7.24	9.54	2.15	0
Gross Loans, 2 Yr. CAGR %	5.66	0.91	2.65	3.83	-0.27
Allowance For Loan Losses, 2 Yr. CAGR %	15.59	-2.69	10.19	13.8	-6.61
Net Loans, 2 Yr. CAGR %	5.53	1	2.57	3.71	-0.18
Non Performing Loans, 2 Yr. CAGR %	49.49	43.68	93	45.55	-18.1
Non Performing Assets, 2 Yr. CAGR %	19.19	24.94	93.12	56.01	-17.1
Total Assets, 2 Yr. CAGR %	6.79	3.11	2	2.12	2.28
Total Deposits, 2 Yr CAGR %	8.91	2.51	0.83	4.09	3.8
Tangible Book Value, 2 Yr. CAGR %	8.9	-0.01	-7.17	0.6	9.22
Average Interest Earning Assets, 2 Yr. CAGR %	7.37	4.41	0.69	1.95	2.91
Average Interest Bearing Liabilities, 2 Yr. CAGR %	5.59	3.14	1.42	4.2	4.56
Common Equity, 2 Yr. CAGR %	8.71	0.85	-6.32	0.5	8.01
Total Equity, 2 Yr. CAGR %	8.71	0.85	-6.32	0.5	8.01
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	3.26	4.6	-0.32	-2.66	1.38
Non Interest Income, 3 Yr. CAGR %	7.68	4.15	0.23	0.4	0.59
Provision For Loan Losses, 3 Yr. CAGR %	22.39	-60.32	46.25	-7.03	335.15
Total Revenues, 3 Yr. CAGR %	3.47	5	-3.64	-1.58	-1.22
Earnings From Cont. Operations, 3 Yr. CAGR %	-3.08	7.31	-10.05	-20.15	-9
Net Income, 3 Yr. CAGR %	-3.08	7.31	-10.05	-20.15	-9
Normalized Net Income, 3 Yr. CAGR %	-1.01	6.58	-8.94	-21.7	-9.61
Diluted EPS Before Extra, 3 Yr. CAGR %	-1.58	7.38	-9.48	-19.99	-7.56
Dividend Per Share, 3 Yr. CAGR %	10.06	6.58	6.27	6.27	1.43
Gross Loans, 3 Yr. CAGR %	4.55	3.92	2.19	2.72	1.4
Allowance For Loan Losses, 3 Yr. CAGR %	12.66	5	9.89	3.92	6.91
Net Loans, 3 Yr. CAGR %	4.45	3.91	2.12	2.71	1.33
Non Performing Loans, 3 Yr. CAGR %	39.62	51.41	70.44	48.73	17.17
Non Performing Assets, 3 Yr. CAGR %	34.1	30.51	54.95	56.17	17.88
Total Assets, 3 Yr. CAGR %	4.79	5.21	2.7	2.12	2.15
Total Deposits, 3 Yr CAGR %	6.28	4.89	3.17	1.77	4.03
Tangible Book Value, 3 Yr. CAGR %	6.11	2.17	-1.42	-3.08	4.55
Average Interest Earning Assets, 3 Yr. CAGR %	5.07	4.86	3.39	1.3	2.4
Average Interest Bearing Liabilities, 3 Yr. CAGR %	4.91	3.45	3.29	2.54	4.23
Common Equity, 3 Yr. CAGR %	5.96	2.49	-0.68	-2.73	3.96
Total Equity, 3 Yr. CAGR %	5.96	2.49	-0.68	-2.73	3.96
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	2.74	2.67	0.29	0.34	3.05
Non Interest Income, 5 Yr. CAGR %	3.94	2.65	2.87	4	0.86
Provision For Loan Losses, 5 Yr. CAGR %	-22.56	-42.57	65.41	2.02	11.65
Total Revenues, 5 Yr. CAGR %	4.46	2.97	-2.22	1.46	1.86
Earnings From Cont. Operations, 5 Yr. CAGR %	25.08	17.73	-15.5	-9.79	4.07
Net Income, 5 Yr. CAGR %	25.08	17.73	-15.5	-9.79	4.07
Normalized Net Income, 5 Yr. CAGR %	23.36	1.17	-14.21	-10.36	3.18
Diluted EPS Before Extra, 5 Yr. CAGR %	27.86	19.29	-14.2	-9.57	4.73
Dividend Per Share, 5 Yr. CAGR %	14.87	13.9	9.86	4.78	3.71
Gross Loans, 5 Yr. CAGR %	2.2	2.17	3.79	3.88	1.2
Allowance For Loan Losses, 5 Yr. CAGR %	4.54	1.02	11.66	8.44	2.96
Net Loans, 5 Yr. CAGR %	2.17	2.19	3.69	3.83	1.2
Non Performing Loans, 5 Yr. CAGR %	15.7	11.34	58.92	49.03	27.13
Non Performing Assets, 5 Yr. CAGR %	15.4	11.38	55.16	40.17	20.66
Total Assets, 5 Yr. CAGR %	2.97	3.16	3.67	3.96	2.54
Total Deposits, 5 Yr CAGR %	3.32	3.18	4.06	4.57	3.42
Tangible Book Value, 5 Yr. CAGR %	4.25	2.14	0.58	1.54	2.7
Average Interest Earning Assets, 5 Yr. CAGR %	3.45	2.99	3.3	3.68	3.2
Average Interest Bearing Liabilities, 5 Yr. CAGR %	3.7	2.94	3.5	3.75	3.8
Common Equity, 5 Yr. CAGR %	4.09	2.23	0.86	1.69	2.71
Total Equity, 5 Yr. CAGR %	4.09	2.23	0.86	1.69	2.71