BANK OF NEW YORK MELLON CORPORATION (THE)

Income Statement Bank of New York Mellon Corporation (The)

Equities

BK

US0640581007

Investment Management & Fund Operators

Market Closed - Nyse Other stock markets 04:00:02 2026-01-12 pm EST			5-day change	1st Jan Change
120.66 ^USD	+1.36%		-0.31%	+3.94%

06:54am	MORNING BID AMERICAS-Inflation test focuses Fed row	RE
06:43am	Earnings Flash (BK) Bank of New York Mellon Posts Q4 Total Revenue $5.18B, vs. FactSet Est of $5.14B	MT

d5fdbd2.plUOpin3K_Fi3qpV_DyOxLCpOUZ_qUnO-4zlsHNOkTg.5zxgkWytHJcMq844mmnG84fdSQA62xihtd-A4yE7-kH2JDfifplGllO78w

Published financial data: BANK OF NEW YORK MELLON CORPORATION (THE)

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	4.11B	2.84B	7.12B	20.65B	25.61B
Interest Income, Total	4.11B	2.84B	7.12B	20.65B	25.61B
Interest On Deposits	1.13B	227M	3.61B	16.3B	21.3B
Interest Expense, Total	1.13B	227M	3.61B	16.3B	21.3B
Net Interest Income	2.98B	2.62B	3.5B	4.34B	4.31B
Trust Income	3.37B	3.59B	3.3B	3.06B	3.14B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	141M	16M	-501M	-135M	73M
Income (Loss) on Equity Invest. (Income Block)	-	-	-	-	-
Total Other Non Interest Income	9.32B	9.71B	10.08B	10.23B	11.1B
Non Interest Income, Total	12.83B	13.31B	12.87B	13.16B	14.31B
Revenues Before Provison For Loan Losses	15.81B	15.93B	16.38B	17.5B	18.62B
Provision For Loan Losses	336M	-231M	39M	119M	70M
Total Revenues	15.47B	16.16B	16.34B	17.38B	18.55B
Salaries And Other Employee Benefits	5.74B	6.01B	6.44B	6.42B	6.43B
Amort. of Goodwill & Intang. Assets	104M	82M	67M	57M	50M
Occupancy Expense	581M	498M	514M	542M	537M
Selling General & Admin Expenses, Total	3.11B	3.37B	3.7B	3.94B	4.12B
Total Other Non Interest Expense	1.48B	1.55B	1.61B	1.35B	1.35B
Non Interest Expense, Total	11B	11.51B	12.33B	12.3B	12.48B
EBT, Excl. Unusual Items	4.47B	4.65B	4.01B	5.08B	6.07B
Restructuring Charges	-	-	-	-267M	-240M
Total Merger & Related Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-	-	-680M	-	-
Asset Writedown	-	-	-	-	-
Legal Settlements	-	-	-	-94M	-44M
Other Unusual Items	-	-	-	-632M	63M
EBT, Incl. Unusual Items	4.47B	4.65B	3.33B	4.09B	5.85B
Income Tax Expense	842M	877M	768M	800M	1.3B
Earnings From Continuing Operations	3.63B	3.77B	2.56B	3.29B	4.54B
Net Income to Company	3.63B	3.77B	2.56B	3.29B	4.54B
Minority Interest	-9M	-12M	13M	-2M	-13M
Net Income - (IS)	3.62B	3.76B	2.57B	3.29B	4.53B
Preferred Dividend and Other Adjustments	200M	209M	211M	235M	194M
Net Income to Common Incl Extra Items	3.42B	3.55B	2.36B	3.05B	4.34B
Net Income to Common Excl. Extra Items	3.42B	3.55B	2.36B	3.05B	4.34B
Per Share Items
Net EPS - Basic	3.84	4.17	2.91	3.89	5.84
Basic EPS - Continuing Operations	3.84	4.17	2.91	3.89	5.84
Basic Weighted Average Shares Outstanding	891M	852M	811M	784M	743M
Net EPS - Diluted	3.83	4.14	2.9	3.87	5.8
Diluted EPS - Continuing Operations	3.83	4.14	2.9	3.87	5.8
Diluted Weighted Average Shares Outstanding	893M	856M	815M	788M	748M
Normalized Basic EPS	3.12	3.4	3.1	4.05	5.09
Normalized Diluted EPS	3.12	3.38	3.09	4.03	5.05
Dividend Per Share	1.24	1.3	1.42	1.58	1.78
Payout Ratio	35.83	35.2	53.48	45.25	34.04
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	18.85	18.87	23.08	19.57	22.32
Current Domestic Taxes	628M	267M	209M	780M	1.06B
Current Foreign Taxes	407M	353M	404M	443M	595M
Total Current Taxes	1.04B	620M	613M	1.22B	1.65B
Deferred Domestic Taxes	-209M	235M	160M	-454M	-315M
Deferred Foreign Taxes	16M	22M	-5M	31M	-30M
Total Deferred Taxes	-193M	257M	155M	-423M	-345M
Normalized Net Income	2.78B	2.89B	2.52B	3.17B	3.78B
Non-Cash Pension Expense	-77M	-59M	-107M	-250M	-219M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	231M	324M	365M	413M	463M
Total Stock-Based Compensation	231M	324M	365M	413M	463M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	37.16B	35.67B	29.33B	33.82B	45.32B
Investment Securities, Total	238B	209B	189B	192B	179B
Trading Asset Securities, Total	15.77B	17.23B	10.43B	10.8B	15.61B
Mortgage Backed Securities	77.99B	69.09B	60.26B	58.69B	60.32B
Total investments	332B	295B	259B	262B	255B
Gross Loans	56.74B	68.03B	66.29B	67.15B	71.8B
Allowance For Loan Losses	-358M	-196M	-176M	-303M	-294M
Other Adjustments to Gross Loans	-274M	-240M	-225M	-268M	-230M
Net Loans	56.11B	67.59B	65.89B	66.58B	71.28B
Net Property Plant And Equipment	3.6B	3.43B	3.26B	3.16B	3.27B
Goodwill	17.5B	17.51B	16.15B	16.26B	16.6B
Other Intangibles, Total	4.9B	5.09B	5.16B	5.28B	5.53B
Investment in FHLB	7M	7M	6M	7M	57M
Accrued Interest Receivable	510M	457M	858M	1.15B	1.29B
Other Receivables	4.22B	4.72B	5.4B	6.84B	5.19B
Restricted Cash	3.17B	3.82B	7.51B	4.04B	1.69B
Other Current Assets, Total	477M	476M	764M	737M	736M
Other Real Estate Owned And Foreclosed	1M	2M	2M	5M	2M
Other Long-Term Assets, Total	10.04B	10.54B	12B	10.49B	10.57B
Total Assets	470B	444B	406B	410B	416B
Liabilities
Interest Bearing Deposits	257B	225B	200B	224B	229B
Institutional Deposits	872M	549M	1.4B	1.5B	2.1B
Non-Interest Bearing Deposits	83.85B	93.7B	78.02B	58.27B	58.27B
Total Deposits	342B	320B	279B	284B	290B
Short-Term Borrowings	41.2B	40.14B	38.8B	36.76B	37.31B
Current Portion of Long-Term Debt	4.94B	3.02B	5.7B	5.38B	3.52B
Current Portion of Leases	258M	249M	202M	196M	204M
Long-Term Debt	21.38B	23.63B	25.16B	26.36B	27.55B
Long-Term Leases	1.42B	1.24B	1.13B	1.16B	1.12B
Trust Preferred Securities (BS)	-	-	-	-	-
Current Income Taxes Payable	5.7B	5.77B	5.41B	5.57B	5.27B
Other Current Liabilities - (Bank / Utility Template)	2.54B	2.76B	2.81B	2.84B	2.46B
Unearned Revenue Non Current	167M	163M	164M	172M	171M
Other Non Current Liabilities	4.37B	4.38B	6.58B	6.85B	7.16B
Total Liabilities	424B	401B	365B	369B	374B
Preferred Stock Redeemable	4.54B	4.84B	4.84B	4.34B	4.34B
Total Preferred Equity	4.54B	4.84B	4.84B	4.34B	4.34B
Common Stock, Total	14M	14M	14M	14M	14M
Additional Paid In Capital	27.82B	28.13B	28.51B	28.91B	29.32B
Retained Earnings	34.24B	36.67B	37.86B	39.65B	42.54B
Treasury Stock	-19.83B	-24.4B	-24.52B	-27.15B	-30.24B
Comprehensive Income and Other	-985M	-2.21B	-5.97B	-4.89B	-4.66B
Total Common Equity	41.26B	38.2B	35.9B	36.53B	36.98B
Minority Interest	319M	357M	116M	135M	446M
Total Equity	46.12B	43.39B	40.85B	41.01B	41.76B
Total Liabilities And Equity	470B	444B	406B	410B	416B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	879M	804M	804M	754M	716M
ECS Total Common Shares Outstanding	887M	804M	808M	759M	718M
Book Value / Share	46.53	47.5	44.4	48.11	51.52
Tangible Book Value	18.87B	15.6B	14.58B	14.99B	14.85B
Tangible Book Value Per Share	21.28	19.4	18.04	19.74	20.69
Tangible Book Value Per Share (As Reported)	25.44	24.31	23.11	25.39	27.05
Average Assets	413B	452B	427B	407B	413B
Average Loans	55.23B	60.81B	67.82B	64.1B	68.14B
Total Debt	69.2B	68.28B	71B	69.85B	69.71B
Federal Funds Sold	30.91B	29.61B	24.3B	28.9B	41.15B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-1.27B	-1.73B	-1.49B	-1.65B	-1.88B
Net Debt	-140B	-99.89B	-71.09B	-95.04B	-88.98B
Equity Method Investments, Total	1.26B	939M	803M	873M	852M
Full Time Employees	48.5K	49.1K	51.7K	53.4K	51.8K

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	3.62B	3.76B	2.57B	3.29B	4.53B
Depreciation, Depletion & Amortization	1.53B	1.78B	1.57B	1.69B	1.75B
Amortization of Goodwill and Intangible Assets - (CF)	104M	82M	67M	57M	50M
Total Depreciation, Depletion & Amortization	1.63B	1.87B	1.64B	1.75B	1.8B
Minority Interest in Earnings - (CF)	-9M	-12M	13M	-2M	-13M
(Gain) Loss on Sale of Investments - (CF)	-33M	-5M	443M	68M	85M
Total Asset Writedown	-	-	680M	-	-
Provision for Credit Losses	336M	-231M	39M	119M	70M
Net (Increase) Decrease in Loans Originated / Sold - Operating	-	-	-	-	-
Change in Trading Asset Securities	-496M	-1.9B	7.02B	436M	-5.64B
Change in Other Net Operating Assets (Collected)	202M	-905M	2.53B	684M	188M
Other Operating Activities	-209M	263M	135M	-427M	-337M
Cash from Operations	5.04B	2.84B	15.07B	5.91B	687M
Capital Expenditure	-1.22B	-1.22B	-1.35B	-1.22B	-1.47B
Sale of Property, Plant, and Equipment	-	34M	45M	-	-
Cash Acquisitions	-	-170M	-	-	-
Divestitures	-	8M	446M	-	-
Investment in Marketable and Equity Securities, Total	-31.68B	-5.01B	7.33B	19.52B	-9.44B
Net (Increase) Decrease in Loans Originated / Sold - Investing	-1.26B	-11.35B	1.42B	-752M	-4.89B
Other Investing Activities, Total	-44.29B	37.38B	11.98B	-23.36B	6.32B
Cash from Investing	-78.46B	19.67B	19.87B	-5.81B	-9.48B
Short Term Debt Issued, Total	5.98B	546M	790M	2.15B	1.98B
Long-Term Debt Issued, Total	2.99B	5.58B	9.93B	6.56B	5.74B
Total Debt Issued	8.97B	6.13B	10.72B	8.71B	7.72B
Short Term Debt Repaid, Total	-4.32B	-	-1.49B	-5.03B	-481M
Long-Term Debt Repaid, Total	-5.47B	-4.65B	-4.34B	-6.06B	-6.2B
Total Debt Repaid	-9.79B	-4.65B	-5.83B	-11.09B	-6.69B
Issuance of Common Stock	58M	63M	23M	16M	17M
Repurchase of Common Stock	-989M	-4.57B	-124M	-2.6B	-3.06B
Issuance of Preferred Stock	1.57B	1.29B	-	-	-
Repurchase of Preferred Stock	-583M	-1B	-	-500M	-
Common Dividends Paid	-1.12B	-1.13B	-1.16B	-1.26B	-1.35B
Preferred Dividends Paid	-179M	-197M	-211M	-225M	-194M
Common & Preferred Stock Dividends Paid	-1.3B	-1.32B	-1.38B	-1.49B	-1.54B
Net Increase (Decrease) in Deposit Accounts - (CF)	77.52B	-17.9B	-37.01B	3.46B	9.9B
Other Financing Activities, Total	48M	-5M	-55M	-19M	2M
Cash from Financing	75.51B	-21.96B	-33.65B	-3.52B	6.34B
Foreign Exchange Rate Adjustments	61M	-84M	358M	230M	-311M
Net Change in Cash	2.15B	464M	1.65B	-3.19B	-2.76B
Supplemental Items
Cash Interest Paid	1.24B	233M	3.31B	16.02B	21.37B
Cash Income Tax Paid (Refund)	1.28B	431M	438M	865M	1.22B
Net Debt Issued / Repaid	-820M	1.48B	4.89B	-2.38B	1.03B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.85	0.83	0.6	0.81	1.1
Return On Equity %	8.26	8.43	6.08	8.03	10.99
Return on Common Equity	8.63	8.94	6.38	8.42	11.81
Shareholders Value Added	-1.03B	-926M	-1.81B	-836M	326M
Margin Analysis
SG&A Margin	60.92	61.12	65.19	62.69	59.73
Net Interest Income / Total Revenues %	19.24	16.2	21.45	25	23.25
EBT Excl. Non-Recurring Items Margin %	28.88	28.76	24.53	29.23	32.72
Income From Continuing Operations Margin %	23.44	23.33	15.67	18.92	24.49
Net Income Margin %	23.38	23.26	15.75	18.9	24.42
Net Avail. For Common Margin %	22.08	21.97	14.46	17.55	23.38
Normalized Net Income Margin	17.99	17.9	15.41	18.26	20.38
Asset quality
Nonperforming Loans / Total Loans %	0.16	0.17	0.16	0.35	0.25
Nonperforming Loans / Total Assets %	0.02	0.03	0.03	0.06	0.04
Nonperforming Assets / Total Assets %	0.02	0.03	0.03	0.06	0.04
NPAs / Loans and OREO	0.16	0.18	0.16	0.35	0.25
NPAs / Equity	0.19	0.28	0.27	0.58	0.43
Allowance for Credit Losses / Net Charge-offs %	-8.95K	1.96K	2.51K	-10.1K	354.22
Allowance for Credit Losses / Nonperforming Loans %	406.82	166.1	164.49	130.6	166.1
Allowance for Credit Losses / Total Loans %	0.63	0.29	0.27	0.45	0.41
Net Charge-offs / Total Average Loans %	-0.01	0.02	0.01	-0	0.12
Provision for Loan Losses / Net Charge-offs %	-8.4K	-2.31K	557.14	-3.97K	84.34
Earning Assets / IBL	128.14	130.5	131.77	123.09	118.25
Interest Income / Average Assets	0.99	0.63	1.67	5.07	6.2
Interest Expense / Average Assets	0.27	0.05	0.85	4.01	5.15
Net Interest Income / Average Assets	0.72	0.58	0.82	1.07	1.04
Non Interest Income / Average Assets	3.1	2.94	3.02	3.23	3.46
Non Interest Expense / Average Asset	2.66	2.55	2.89	3.02	3.02
Capital And Funding
Total Average Common Equity / Total Average Assets %	9.31	8.69	8.71	8.88	8.89
Total Average Equity / Total Average Assets %	10.32	9.79	9.91	10.03	10.01
Total Equity + Allowance for Loan Losses / Total Loans %	81.35	63.55	61.72	61.32	57.96
Gross Loans / Total Deposits %	16.61	21.28	23.76	23.67	24.8
Net Loans / Total Deposits %	16.43	21.14	23.62	23.47	24.62
Tier 1 Capital Ratio %	15.8	14	14.1	14.2	13.7
Total Capital Ratio %	16.7	14.9	14.9	15	14.8
Core Tier 1 Capital Ratio	13.1	11.2	11.2	11.5	11.2
Tier 2 Capital Ratio	0.89	0.89	0.8	0.76	1.06
Equity Tier 1 Capital Ratio	13.56	11.66	11.56	11.93	11.57
Coverage Ratio	1.79K	150.77	222.78	100	119.03
Leverage Ratio %	6.3	5.5	5.8	6	5.7
Interbank Ratio	497.88	455.19	361.99	331.84	444.58
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	4.95	21.48	1.92	1.25	1.27
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-6.62	-12.06	33.84	24	-0.76
Non Interest Income, 1 Yr. Growth %	-3.34	3.76	-3.31	2.21	7.15
Provision For Loan Losses, 1 Yr. Growth %	-1.44K	-168.75	-116.88	205.13	-41.18
Total Revenues, 1 Yr. Growth %	-6.16	4.46	1.09	6.4	5.52
Earnings From Cont. Operations, 1 Yr. Growth %	-18.83	4	-32.11	28.44	37.5
Net Income, 1 Yr. Growth %	-18.55	3.93	-31.55	27.71	37.19
Normalized Net Income, 1 Yr. Growth %	-19.69	3.93	-12.96	15.99	14.71
Diluted EPS Before Extra, 1 Yr. Growth %	-15.08	8.09	-29.95	33.45	49.1
Dividend Per Share, 1 Yr. Growth %	5.08	4.84	9.23	11.27	12.66
Gross Loans, 1 Yr. Growth %	2.67	19.89	-2.56	1.3	6.93
Allowance For Loan Losses, 1 Yr. Growth %	193.44	-45.25	-10.2	72.16	-2.97
Net Loans, 1 Yr. Growth %	2.33	20.46	-2.52	1.05	7.06
Non Performing Loans, 1 Yr. Growth %	2.33	34.09	-9.32	116.82	-23.71
Non Performing Assets, 1 Yr. Growth %	0	34.83	-9.17	117.43	-24.47
Total Assets, 1 Yr. Growth %	23.1	-5.36	-8.7	1.03	1.51
Total Deposits, 1 Yr Growth %	31.63	-6.4	-12.74	1.68	2.06
Tangible Book Value, 1 Yr. Growth %	18.98	-17.34	-6.49	2.75	-0.22
Average Interest Earning Assets, 1 Yr. Growth %	22.04	9.17	-6.42	-3.87	1.6
Average Interest Bearing Liabilities, 1 Yr. Growth %	18.28	7.2	-7.33	2.91	5.76
Common Equity, 1 Yr. Growth %	8.75	-7.43	-6.02	1.77	1.5
Total Equity, 1 Yr. Growth %	10.53	-5.92	-5.86	0.39	2.1
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-9.2	-9.38	8.49	28.83	10.93
Non Interest Income, 2 Yr. CAGR %	0.2	0.15	0.16	-0.59	4.81
Provision For Loan Losses, 2 Yr. CAGR %	452.68	203.97	-65.93	-28.23	33.97
Total Revenues, 2 Yr. CAGR %	-2.88	-0.99	2.76	3.71	6.06
Earnings From Cont. Operations, 2 Yr. CAGR %	-7.68	-8.12	-15.98	-6.62	33.66
Net Income, 2 Yr. CAGR %	-7.92	-8	-15.66	-6.5	33.13
Normalized Net Income, 2 Yr. CAGR %	-7.55	-8.64	-4.89	4.74	20.28
Diluted EPS Before Extra, 2 Yr. CAGR %	-2.63	-4.19	-12.98	-3.32	41.91
Dividend Per Share, 2 Yr. CAGR %	9.19	4.96	7.01	10.24	11.96
Gross Loans, 2 Yr. CAGR %	-0.16	10.95	8.08	-0.65	4.07
Allowance For Loan Losses, 2 Yr. CAGR %	56.59	26.75	-29.88	24.34	29.25
Net Loans, 2 Yr. CAGR %	-0.27	11.03	8.36	-0.75	4.01
Non Performing Loans, 2 Yr. CAGR %	7.61	17.14	10.27	40.22	28.62
Non Performing Assets, 2 Yr. CAGR %	6.14	16.12	10.67	40.53	28.15
Total Assets, 2 Yr. CAGR %	13.76	7.93	-7.05	-3.96	1.26
Total Deposits, 2 Yr CAGR %	19.6	11	-9.62	-5.8	1.87
Tangible Book Value, 2 Yr. CAGR %	12.63	-0.83	-12.08	-1.98	0.9
Average Interest Earning Assets, 2 Yr. CAGR %	10.58	15.43	1.07	-5.15	-1.17
Average Interest Bearing Liabilities, 2 Yr. CAGR %	11.81	12.6	-0.33	-2.34	4.33
Common Equity, 2 Yr. CAGR %	5.46	0.34	-6.73	-2.2	1.49
Total Equity, 2 Yr. CAGR %	6.23	1.97	-5.89	-2.78	1.11
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-3.45	-10.16	3.2	13.43	18.1
Non Interest Income, 3 Yr. CAGR %	1.6	1.37	-1.02	0.84	2.43
Provision For Loan Losses, 3 Yr. CAGR %	141.01	175.89	15.98	-29.25	-32.83
Total Revenues, 3 Yr. CAGR %	-0.2	-0.49	-0.3	3.96	4.7
Earnings From Cont. Operations, 3 Yr. CAGR %	-4.12	-3.94	-16.94	-3.21	6.4
Net Income, 3 Yr. CAGR %	-4.01	-4.13	-16.63	-3.15	6.42
Normalized Net Income, 3 Yr. CAGR %	-0.87	-3.87	-10.1	4.47	9.32
Diluted EPS Before Extra, 3 Yr. CAGR %	0.98	0.82	-13.69	0.35	11.89
Dividend Per Share, 3 Yr. CAGR %	12.97	7.72	6.37	8.41	11.04
Gross Loans, 3 Yr. CAGR %	-2.88	6.12	6.25	5.77	1.82
Allowance For Loan Losses, 3 Yr. CAGR %	31.07	10.31	12.99	-5.41	14.47
Net Loans, 3 Yr. CAGR %	-2.95	6.21	6.31	5.87	1.79
Non Performing Loans, 3 Yr. CAGR %	0.77	15.79	7.55	38.14	14.47
Non Performing Assets, 3 Yr. CAGR %	-0.37	14.95	6.99	38.61	14.26
Total Assets, 3 Yr. CAGR %	8.1	6.99	2.08	-4.43	-2.18
Total Deposits, 3 Yr CAGR %	11.81	10.22	2.45	-6	-3.25
Tangible Book Value, 3 Yr. CAGR %	7.39	1.59	-2.75	-7.39	-1.62
Average Interest Earning Assets, 3 Yr. CAGR %	6.86	10.11	7.63	-0.6	-2.95
Average Interest Bearing Liabilities, 3 Yr. CAGR %	8.77	10.25	5.52	0.74	0.29
Common Equity, 3 Yr. CAGR %	3.05	0.98	-1.83	-3.98	-1.08
Total Equity, 3 Yr. CAGR %	3.38	2.02	-0.71	-3.84	-1.27
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-0.33	-3.56	1.16	3.77	6.23
Non Interest Income, 5 Yr. CAGR %	1.07	1.93	1.02	0.58	1.51
Provision For Loan Losses, 5 Yr. CAGR %	16	83.84	10.2	61	22.87
Total Revenues, 5 Yr. CAGR %	0.58	1.17	0.97	1.17	2.38
Earnings From Cont. Operations, 5 Yr. CAGR %	2.39	1.23	-9.05	-5.02	0.34
Net Income, 5 Yr. CAGR %	2.75	1.17	-8.85	-5.09	0.4
Normalized Net Income, 5 Yr. CAGR %	1.09	-0.4	-2.5	-0.52	1.75
Diluted EPS Before Extra, 5 Yr. CAGR %	7.16	5.62	-4.86	-0.86	5.16
Dividend Per Share, 5 Yr. CAGR %	12.77	12.54	10.55	8.72	8.57
Gross Loans, 5 Yr. CAGR %	-2.49	0.92	1.37	3.36	5.37
Allowance For Loan Losses, 5 Yr. CAGR %	17.92	3.01	2.05	15.72	19.23
Net Loans, 5 Yr. CAGR %	-2.46	1.01	1.43	3.37	5.39
Non Performing Loans, 5 Yr. CAGR %	-21	2.76	4.47	25.01	15.53
Non Performing Assets, 5 Yr. CAGR %	-21.15	2.32	3.91	24.57	15
Total Assets, 5 Yr. CAGR %	3.59	5.91	1.77	2.47	1.75
Total Deposits, 5 Yr CAGR %	4.08	7.62	2.69	3.51	2.22
Tangible Book Value, 5 Yr. CAGR %	8.29	3.86	-0.87	0.15	-1.3
Average Interest Earning Assets, 5 Yr. CAGR %	2.47	4.99	4.51	3.73	4.02
Average Interest Bearing Liabilities, 5 Yr. CAGR %	4.98	6.69	5.04	5.03	5.04
Common Equity, 5 Yr. CAGR %	3.06	1.61	-0.98	-0.31	-0.51
Total Equity, 5 Yr. CAGR %	3.42	1.86	-0.43	0.07	0.02