Balance Sheet UMB Financial Corporation

Equities

UMBF

US9027881088

Banks

Real-time Estimate Cboe BZX Other stock markets 09:42:23 2026-05-20 am EDT			5-day change	1st Jan Change
127.09 ^USD	+0.97%		-2.41%	+9.41%

Apr. 30	RBC Raises Price Target on UMB Financial to $142 From $138, Keeps Outperform Rating	MT
Apr. 29	UMB Financial Corporation, Q1 2026 Earnings Call, Apr 29, 2026

624e72e239e60420b0e894.1ZdEh6RIHMtBh4m5S65iodaLIuOW87CKzWjnq3lIiDo.5toAysUgaJsy7syOHuMOw_vJUa2unvi4mwuoxCkuwnagpw3GnC5m-iDLxA

Published financial data: UMB FINANCIAL CORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	619M	810M	1.4B	1.61B	2.42B
Interest Income On Investments	242M	328M	439M	558M	939M
Interest Income, Total	862M	1.14B	1.84B	2.17B	3.35B
Interest On Deposits	26.41M	168M	704M	982M	1.34B
Total Interest On Borrowings	19.59M	56.17M	214M	188M	156M
Interest Expense, Total	46M	224M	919M	1.17B	1.49B
Net Interest Income	816M	914M	920M	1B	1.86B
Service Charges On Deposits	86.06M	85.17M	84.95M	84.51M	113M
Trust Income	224M	237M	257M	291M	343M
Income From Trading Activities	30.94M	23.2M	19.63M	24.23M	25.3M
Gain (Loss) on Sale of Assets	2.67M	3.06M	4.34M	3.2M	-105K
Gain (Loss) on Sale of Invest. & Securities - (Rev)	5.06M	58.44M	-3.14M	10.72M	30.97M
Total Other Non Interest Income	118M	147M	179M	215M	277M
Non Interest Income, Total	467M	554M	542M	628M	790M
Revenues Before Provison For Loan Losses	1.28B	1.47B	1.46B	1.63B	2.65B
Provision For Loan Losses	20M	37.9M	41.23M	61.05M	154M
Total Revenues	1.26B	1.43B	1.42B	1.57B	2.5B
Salaries And Other Employee Benefits	483M	503M	535M	571M	846M
Amort. of Goodwill & Intang. Assets	4.76M	5.04M	8.59M	7.7M	93.52M
Occupancy Expense	35.54M	36.95M	48.5M	37.04M	57.12M
Federal Deposit Insurance	11.89M	15.38M	77.01M	31.9M	28.75M
Selling General & Admin Expenses, Total	245M	268M	263M	304M	459M
Total Other Non Interest Expense	53.31M	69.56M	67.23M	74.83M	139M
Non Interest Expense, Total	834M	898M	999M	1.03B	1.62B
EBT, Excl. Unusual Items	429M	532M	422M	541M	875M
Total Merger & Related Restructuring Charges	-	-	-	-	-
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	429M	532M	422M	541M	875M
Income Tax Expense	76.04M	100M	71.58M	100M	173M
Earnings From Continuing Operations	353M	432M	350M	441M	702M
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	353M	432M	350M	441M	702M
Net Income - (IS)	353M	432M	350M	441M	702M
Preferred Dividend and Other Adjustments	-	-	-	-	17.78M
Net Income to Common Incl Extra Items	353M	432M	350M	441M	685M
Net Income to Common Excl. Extra Items	353M	432M	350M	441M	685M
Per Share Items
Net EPS - Basic	7.31	8.93	7.22	9.05	9.35
Basic EPS - Continuing Operations	7.31	8.93	7.22	9.05	9.35
Basic Weighted Average Shares Outstanding	48.27M	48.34M	48.5M	48.75M	73.26M
Net EPS - Diluted	7.24	8.86	7.18	8.99	9.29
Diluted EPS - Continuing Operations	7.24	8.86	7.18	8.99	9.29
Diluted Weighted Average Shares Outstanding	48.74M	48.75M	48.76M	49.06M	73.67M
Normalized Basic EPS	5.56	6.88	5.43	6.94	7.46
Normalized Diluted EPS	5.5	6.82	5.4	6.9	7.42
Dividend Per Share	1.38	1.49	1.53	1.57	1.63
Payout Ratio	18.91	16.69	21.21	17.48	19.31
Supplemental Items
Effective Tax Rate - (Ratio)	17.72	18.86	16.98	18.48	19.72
Current Domestic Taxes	88.77M	107M	92.02M	116M	89.73M
Total Current Taxes	88.77M	107M	92.02M	116M	89.73M
Deferred Domestic Taxes	-12.72M	-6.31M	-20.44M	-16.17M	82.82M
Total Deferred Taxes	-12.72M	-6.31M	-20.44M	-16.17M	82.82M
Normalized Net Income	268M	333M	264M	338M	547M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	21.21M	21.49M	18.69M	22.58M	37.74M
Total Stock-Based Compensation	21.21M	21.49M	18.69M	22.58M	37.74M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	414M	508M	452M	573M	1B
Investment Securities, Total	6.68B	7.3B	7.12B	7.29B	10.91B
Trading Asset Securities, Total	89.56M	66.1M	180M	263M	304M
Mortgage Backed Securities	8.36B	6.95B	6.36B	6.94B	10.68B
Total investments	15.13B	14.31B	13.66B	14.5B	21.9B
Gross Loans	17.17B	21.03B	23.17B	25.64B	38.78B
Allowance For Loan Losses	-195M	-192M	-220M	-259M	-419M
Net Loans	16.98B	20.84B	22.95B	25.38B	38.36B
Gross Property Plant And Equipment	633M	645M	656M	671M	898M
Accumulated Depreciation	-358M	-372M	-395M	-419M	-447M
Net Property Plant And Equipment	275M	273M	261M	252M	451M
Goodwill	175M	207M	207M	207M	1.84B
Other Intangibles, Total	67.17M	124M	101M	80.78M	497M
Investment in FHLB	-	-	-	-	-
Loans Held For Sale	1.28M	1.98M	4.42M	2.76M	2.03M
Accrued Interest Receivable	131M	189M	220M	246M	350M
Other Receivables	73.6M	76.1M	86.6M	100M	116M
Restricted Cash	8.8B	1.06B	5.08B	7.88B	6.82B
Deferred Tax Assets Long-Term (Collected)	-	248M	222M	244M	279M
Other Real Estate Owned And Foreclosed	-	68K	1.74M	28.39M	4.8M
Other Long-Term Assets, Total	651M	675M	759M	918M	1.48B
Total Assets	42.69B	38.51B	44.01B	50.41B	73.09B
Liabilities
Accrued Expenses, Total	224M	237M	385M	364M	430M
Interest Bearing Deposits	18.81B	18.84B	22.88B	28.37B	41.69B
Institutional Deposits	448M	538M	781M	1.16B	1.83B
Non-Interest Bearing Deposits	16.34B	13.26B	12.13B	13.62B	17.14B
Total Deposits	35.6B	32.64B	35.79B	43.14B	60.66B
Short-Term Borrowings	3.25B	2.35B	4.02B	2.72B	3.46B
Current Portion of Long-Term Debt	-	-	-	-	-
Current Portion of Leases	12.4M	12.28M	11.99M	12.02M	18.12M
Long-Term Debt	198M	307M	308M	309M	254M
Long-Term Leases	52.22M	51.19M	46.94M	43.1M	54.53M
Trust Preferred Securities (BS)	73.21M	74.55M	75.61M	76.78M	220M
Other Current Liabilities - (Bank / Utility Template)	3.2M	3.5M	8.02M	7.1M	4.05M
Deferred Tax Liability Non-Current	22.1M	-	-	-	-
Other Non Current Liabilities	110M	173M	259M	272M	302M
Total Liabilities	39.55B	35.85B	40.91B	46.94B	65.4B
Preferred Stock Non Redeemable	-	-	-	-	294M
Total Preferred Equity	-	-	-	-	294M
Common Stock, Total	55.06M	55.06M	55.06M	55.06M	78.67M
Additional Paid In Capital	1.11B	1.13B	1.13B	1.15B	4.01B
Retained Earnings	2.18B	2.54B	2.81B	3.17B	3.74B
Treasury Stock	-323M	-347M	-343M	-336M	-165M
Comprehensive Income and Other	126M	-703M	-557M	-573M	-262M
Total Common Equity	3.15B	2.67B	3.1B	3.47B	7.4B
Total Equity	3.15B	2.67B	3.1B	3.47B	7.69B
Total Liabilities And Equity	42.69B	38.51B	44.01B	50.41B	73.09B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	48.46M	48.5M	48.74M	72.59M	76.14M
ECS Total Common Shares Outstanding	48.43M	48.32M	48.55M	48.81M	75.96M
Book Value / Share	64.95	55.2	63.85	71.02	97.41
Tangible Book Value	2.9B	2.34B	2.79B	3.18B	5.06B
Tangible Book Value Per Share	59.96	48.33	57.49	65.11	66.65
Average Assets	35.33B	37.58B	39.73B	43.19B	66.26B
Average Loans	16.63B	18.82B	22.34B	24.21B	36.07B
Total Debt	3.59B	2.79B	4.47B	3.16B	4.01B
Deposits at Interest - Cash	8.8B	1.06B	5.08B	7.88B	6.82B
Federal Funds Sold	1.22B	959M	245M	545M	1.55B
Net Debt	1.83B	1.15B	3.52B	1.67B	1.08B
Equity Method Investments, Total	-	-	-	-	-
Full Time Employees	3.53K	3.77K	3.6K	3.7K	5.22K
Number Of Offices	91	89	88	93	193

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	353M	432M	350M	441M	702M
Depreciation, Depletion & Amortization	50.99M	48.98M	50.14M	45.07M	48.25M
Amortization of Goodwill and Intangible Assets - (CF)	4.76M	5.04M	8.59M	7.7M	93.52M
Total Depreciation, Depletion & Amortization	55.75M	54.02M	58.72M	52.77M	142M
Amortization of Deferred Charges, Total	450K	556K	876K	876K	745K
Gain (Loss) on Sale of Loans & Receivables - (CF)	-5.13M	-1.2M	-1.69M	-2.28M	-2.74M
(Gain) Loss On Sale of Asset - (CF)	-2.67M	-3.06M	-4.34M	-3.2M	105K
(Gain) Loss on Sale of Investments - (CF)	48.94M	-11.92M	46.24M	37.18M	-180M
Provision for Credit Losses	20M	37.9M	41.23M	61.05M	154M
Stock-Based Compensation (CF)	21.21M	21.49M	18.69M	22.58M	37.74M
Tax Benefit from Stock Options	2.6M	-	-	-	-
Net (Increase) Decrease in Loans Originated / Sold - Operating	10.56M	494K	-749K	3.94M	3.47M
Changes in Accrued Interest Receivable	4.59M	-58.22M	-31.08M	-24.59M	-29.26M
Change in Other Net Operating Assets (Collected)	47.82M	290M	15.24M	-338M	109M
Other Operating Activities	-23.05M	7.59M	-20.55M	-26.61M	89.03M
Net Cash From Discontinued Operations	-	-	-	-	-
Cash from Operations	534M	770M	473M	225M	1.03B
Capital Expenditure	-33.69M	-51.72M	-26.91M	-24.21M	-48.58M
Sale of Property, Plant, and Equipment	3.9M	6.73M	3.81M	4.2M	-
Cash Acquisitions	-	-	-793K	-109M	-
Divestitures	18.43M	549M	-	-	169M
Investment in Marketable and Equity Securities, Total	-3.44B	-655M	200M	-418M	-1.45B
Net (Increase) Decrease in Loans Originated / Sold - Investing	-1.12B	-3.95B	-2.16B	-2.42B	-3.25B
Other Investing Activities, Total	334M	258M	710M	-300M	-1.04B
Cash from Investing	-4.24B	-3.85B	-1.27B	-3.26B	-5.62B
Short Term Debt Issued, Total	923M	-	32.86B	990M	693M
Long-Term Debt Issued, Total	-	110M	-	-	-
Total Debt Issued	923M	110M	32.86B	990M	693M
Short Term Debt Repaid, Total	-	-1.02B	-31.16B	-2.3B	-
Long-Term Debt Repaid, Total	-	-	-	-	-200M
Total Debt Repaid	-	-1.02B	-31.16B	-2.3B	-200M
Issuance of Common Stock	19.05M	2.14M	2.46M	4.68M	236M
Repurchase of Common Stock	-5.51M	-32M	-8.37M	-7.74M	-17.63M
Issuance of Preferred Stock	-	-	-	-	294M
Repurchase of Preferred Stock	-	-	-	-	-115M
Common Dividends Paid	-66.75M	-72.03M	-74.24M	-77.13M	-136M
Common & Preferred Stock Dividends Paid	-66.75M	-72.03M	-74.24M	-77.13M	-136M
Net Increase (Decrease) in Deposit Accounts - (CF)	8.55B	-3.57B	3.15B	7.35B	3.16B
Other Financing Activities, Total	-	-2.13M	-	-1.41M	-524K
Cash from Financing	9.42B	-4.58B	4.77B	5.96B	3.92B
Net Change in Cash	5.72B	-7.66B	3.97B	2.92B	-677M
Supplemental Items
Cash Interest Paid	47.11M	196M	844M	1.2B	1.47B
Cash Income Tax Paid (Refund)	92.58M	102M	79.33M	76.93M	63.24M
Net Debt Issued / Repaid	923M	-906M	1.7B	-1.31B	493M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.93	1.06	0.85	0.93	1.14
Return On Equity %	11.46	14.85	12.14	13.44	12.59
Return on Common Equity	11.46	14.85	12.14	13.44	12.6
Shareholders Value Added	-11.97M	87.97M	12.56M	54.93M	144M
Margin Analysis
SG&A Margin	60.48	56.51	59.57	58.18	54.52
Net Interest Income / Total Revenues %	64.59	63.9	64.76	63.83	74.56
EBT Excl. Non-Recurring Items Margin %	33.98	37.2	29.67	34.52	35.03
Income From Continuing Operations Margin %	27.96	30.18	24.64	28.14	28.12
Net Income Margin %	27.96	30.18	24.64	28.14	28.12
Net Avail. For Common Margin %	27.96	30.18	24.64	28.14	27.41
Normalized Net Income Margin	21.24	23.25	18.55	21.58	21.89
Asset quality
Nonperforming Loans / Total Loans %	0.54	0.09	0.06	0.08	0.37
Nonperforming Loans / Total Assets %	0.22	0.05	0.03	0.04	0.2
Nonperforming Assets / Total Assets %	0.22	0.05	0.03	0.09	0.2
NPAs / Loans and OREO	0.54	0.09	0.06	0.19	0.39
NPAs / Equity	2.93	0.72	0.48	1.38	1.94
Allowance for Credit Losses / Net Charge-offs %	434.06	481.18	2.1K	1.11K	509.25
Allowance for Credit Losses / Nonperforming Loans %	211.02	995.57	1.66K	1.34K	289.96
Allowance for Credit Losses / Total Loans %	1.13	0.91	0.95	1.01	1.08
Net Charge-offs / Total Average Loans %	0.27	0.21	0.05	0.1	0.23
Provision for Loan Losses / Net Charge-offs %	44.57	95.06	393.61	262.45	187.57
Earning Assets / IBL	163.47	168.85	146.83	141.14	137.63
Interest Income / Average Assets	2.44	3.03	4.63	5.03	5.06
Interest Expense / Average Assets	0.13	0.6	2.31	2.71	2.25
Net Interest Income / Average Assets	2.31	2.43	2.32	2.32	2.81
Non Interest Income / Average Assets	1.32	1.47	1.36	1.45	1.19
Non Interest Expense / Average Asset	2.36	2.39	2.51	2.38	2.45
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.13	7.16	6.99	6.95	8.8
Total Average Equity / Total Average Assets %	8.13	7.16	6.99	6.95	9.04
Total Equity + Allowance for Loan Losses / Total Loans %	19.45	13.59	14.33	14.53	20.92
Gross Loans / Total Deposits %	48.23	64.44	64.74	59.44	63.93
Net Loans / Total Deposits %	47.69	63.85	64.13	58.84	63.24
Tier 1 Capital Ratio %	12.05	10.62	10.94	11.29	11.55
Total Capital Ratio %	13.88	12.5	12.85	13.21	13.36
Core Tier 1 Capital Ratio	12.05	10.62	10.94	11.29	10.96
Tier 2 Capital Ratio	1.83	1.88	1.91	1.91	1.81
Coverage Ratio	-	-	-	-	-
Leverage Ratio %	7.61	8.43	8.49	8.5	8.54
Interbank Ratio	38.83	48.62	15.05	25.13	48.12
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	22.9	10.47	2.97	3.88	6.63
EBT + Interest Expense / Interest Expense	10.33	3.38	1.46	1.46	1.59
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	11.53	12.05	0.69	8.78	86.05
Non Interest Income, 1 Yr. Growth %	-16.6	18.63	-2.23	15.92	25.78
Provision For Loan Losses, 1 Yr. Growth %	-84.67	89.5	8.78	48.08	153.07
Total Revenues, 1 Yr. Growth %	8.77	13.26	-0.66	10.36	59.3
Earnings From Cont. Operations, 1 Yr. Growth %	23.22	22.28	-18.92	26.06	59.19
Net Income, 1 Yr. Growth %	23.22	22.28	-18.92	26.06	59.19
Normalized Net Income, 1 Yr. Growth %	26.61	23.99	-20.75	28.38	61.65
Diluted EPS Before Extra, 1 Yr. Growth %	22.09	22.38	-18.96	25.21	3.34
Dividend Per Share, 1 Yr. Growth %	10.4	7.97	2.68	2.61	3.82
Gross Loans, 1 Yr. Growth %	6.63	22.48	10.18	10.66	51.23
Allowance For Loan Losses, 1 Yr. Growth %	-9.82	-1.51	14.54	17.91	61.9
Net Loans, 1 Yr. Growth %	6.85	22.76	10.14	10.59	51.12
Non Performing Loans, 1 Yr. Growth %	5.1	-79.12	-31.43	45.94	650.26
Non Performing Assets, 1 Yr. Growth %	-0.28	-79.05	-22.69	218.88	213.52
Total Assets, 1 Yr. Growth %	28.88	-9.79	14.28	14.54	45
Total Deposits, 1 Yr Growth %	31.6	-8.32	9.66	20.53	40.6
Tangible Book Value, 1 Yr. Growth %	5.56	-19.58	19.54	13.85	59.28
Average Interest Earning Assets, 1 Yr. Growth %	24.68	6.22	5.29	8.89	49.19
Average Interest Bearing Liabilities, 1 Yr. Growth %	17.54	2.84	21.08	13.28	53
Common Equity, 1 Yr. Growth %	4.26	-15.21	16.25	11.81	113.45
Total Equity, 1 Yr. Growth %	4.26	-15.21	16.25	11.81	121.94
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	10.25	11.79	6.22	4.66	42.26
Non Interest Income, 2 Yr. CAGR %	4.63	-0.53	7.7	6.46	20.75
Provision For Loan Losses, 2 Yr. CAGR %	-21.97	-46.11	43.57	26.92	93.59
Total Revenues, 2 Yr. CAGR %	8.9	10.99	6.07	4.71	32.59
Earnings From Cont. Operations, 2 Yr. CAGR %	20.38	22.75	-0.42	1.1	41.66
Net Income, 2 Yr. CAGR %	20.38	22.75	-0.42	1.1	41.66
Normalized Net Income, 2 Yr. CAGR %	22.49	25.29	-0.87	0.87	44.06
Diluted EPS Before Extra, 2 Yr. CAGR %	20.82	22.23	-0.42	0.73	13.75
Dividend Per Share, 2 Yr. CAGR %	6.79	9.18	5.29	2.65	3.22
Gross Loans, 2 Yr. CAGR %	13.07	14.28	16.17	10.42	29.36
Allowance For Loan Losses, 2 Yr. CAGR %	38.33	-5.75	6.22	16.21	38.17
Net Loans, 2 Yr. CAGR %	12.85	14.53	16.28	10.36	29.28
Non Performing Loans, 2 Yr. CAGR %	27.99	-53.16	-62.17	0.03	230.9
Non Performing Assets, 2 Yr. CAGR %	24.78	-54.29	-59.75	57.02	216.19
Total Assets, 2 Yr. CAGR %	26.78	7.82	1.53	14.41	28.87
Total Deposits, 2 Yr CAGR %	28.37	9.84	0.27	14.97	30.18
Tangible Book Value, 2 Yr. CAGR %	11.58	-7.86	-1.95	16.66	34.66
Average Interest Earning Assets, 2 Yr. CAGR %	22.9	15.08	5.76	7.08	27.46
Average Interest Bearing Liabilities, 2 Yr. CAGR %	17.49	9.94	11.59	17.12	31.65
Common Equity, 2 Yr. CAGR %	9.85	-5.98	-0.72	14.01	54.49
Total Equity, 2 Yr. CAGR %	9.85	-5.98	-0.72	14.01	57.53
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	10.14	10.85	7.96	7.07	26.78
Non Interest Income, 3 Yr. CAGR %	5.16	9.1	-1.1	10.37	12.54
Provision For Loan Losses, 3 Yr. CAGR %	-34.37	4.88	-31.89	45.06	59.75
Total Revenues, 3 Yr. CAGR %	10.28	10.33	6.96	7.48	20.43
Earnings From Cont. Operations, 3 Yr. CAGR %	21.62	21.01	6.9	7.72	17.62
Net Income, 3 Yr. CAGR %	21.77	21.01	6.9	7.72	17.62
Normalized Net Income, 3 Yr. CAGR %	24.27	22.99	7.55	8.05	18.04
Diluted EPS Before Extra, 3 Yr. CAGR %	22.48	21.33	6.58	7.48	1.59
Dividend Per Share, 3 Yr. CAGR %	5.66	7.18	6.97	4.39	3.04
Gross Loans, 3 Yr. CAGR %	12.13	16.12	12.9	14.3	22.62
Allowance For Loan Losses, 3 Yr. CAGR %	23.41	23.52	0.58	9.98	29.8
Net Loans, 3 Yr. CAGR %	12.03	16.06	13.05	14.35	22.56
Non Performing Loans, 3 Yr. CAGR %	28.98	-30.07	-46.82	-40.66	95.81
Non Performing Assets, 3 Yr. CAGR %	25.81	-31.16	-45.54	-19.77	97.72
Total Assets, 3 Yr. CAGR %	22.28	13.18	9.93	5.69	23.81
Total Deposits, 3 Yr CAGR %	22.68	14.75	9.78	6.61	22.95
Tangible Book Value, 3 Yr. CAGR %	13.67	0.04	0.49	3.06	29.42
Average Interest Earning Assets, 3 Yr. CAGR %	19.67	17.07	11.72	6.79	19.59
Average Interest Bearing Liabilities, 3 Yr. CAGR %	17.17	12.39	13.54	12.15	28.03
Common Equity, 3 Yr. CAGR %	12.17	0.77	0.91	3.29	40.51
Total Equity, 3 Yr. CAGR %	12.17	0.77	0.91	3.29	42.35
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	10.49	10.33	8.55	8.33	20.56
Non Interest Income, 5 Yr. CAGR %	3.02	5.52	6.17	8.04	7.12
Provision For Loan Losses, 5 Yr. CAGR %	-9.25	-1.56	-10.24	13.2	3.43
Total Revenues, 5 Yr. CAGR %	7.85	8.72	8.58	8.05	16.56
Earnings From Cont. Operations, 5 Yr. CAGR %	18.1	18.73	12.27	12.62	19.64
Net Income, 5 Yr. CAGR %	17.32	11.8	12.35	12.62	19.64
Normalized Net Income, 5 Yr. CAGR %	16.66	17.62	13.52	13.61	20.89
Diluted EPS Before Extra, 5 Yr. CAGR %	18.34	19.28	12.75	12.63	9.39
Dividend Per Share, 5 Yr. CAGR %	6.87	7.46	5.51	5.35	5.45
Gross Loans, 5 Yr. CAGR %	10.25	13.27	13.73	13.81	19.22
Allowance For Loan Losses, 5 Yr. CAGR %	16.27	13.78	16.22	20.55	14.2
Net Loans, 5 Yr. CAGR %	10.19	13.26	13.71	13.75	19.28
Non Performing Loans, 5 Yr. CAGR %	5.61	-20.09	-21.03	-19.3	10.5
Non Performing Assets, 5 Yr. CAGR %	5.55	-20.44	-20.25	-4.27	10.06
Total Assets, 5 Yr. CAGR %	15.6	12.08	13.51	13.67	17.15
Total Deposits, 5 Yr CAGR %	16.53	12.61	13.17	14.84	17.53
Tangible Book Value, 5 Yr. CAGR %	11.31	3.91	7.15	6.39	12.97
Average Interest Earning Assets, 5 Yr. CAGR %	12.99	13.43	13.9	12.96	17.77
Average Interest Bearing Liabilities, 5 Yr. CAGR %	12.28	11.68	14.91	14.26	20.46
Common Equity, 5 Yr. CAGR %	9.9	4.1	6.83	5.87	19.65
Total Equity, 5 Yr. CAGR %	9.9	4.1	6.83	5.87	20.59