Balance Sheet United Bankshares, Inc.

Stocks

UBSI

US9099071071

Banks

Real-time Estimate Cboe BZX Other stock markets 12:00:13 2026-06-11 pm EDT			5-day change	1st Jan Change
44.83 ^USD	-0.11%		+2.84%	+17.08%

May. 13	United Bankshares Keeps Quarterly Dividend at $0.38 per Share, Payable July 1 to Holders of Record as of June 12	MT
May. 13	United Bankshares Declares Second Quarter Dividend, Payable July 1, 2026	CI

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Published financial data: UNITED BANKSHARES, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	724M	865M	1.2B	1.3B	1.48B
Interest Income On Investments	70.62M	137M	198M	200M	206M
Interest Income, Total	795M	1B	1.4B	1.5B	1.69B
Interest On Deposits	41.62M	80.24M	391M	540M	554M
Total Interest On Borrowings	10.76M	25.32M	90.3M	51.25M	29.2M
Interest Expense, Total	52.38M	106M	481M	591M	584M
Net Interest Income	743M	896M	920M	911M	1.1B
Service Charges On Deposits	38.69M	40.56M	37.08M	37.18M	39M
Trust Income	16.55M	17.22M	18.32M	19.45M	19.76M
Total Mortgage Banking Activities	181M	51.92M	40.34M	25.02M	9.57M
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	2.68M	776K	-7.65M	-7.72M	11.17M
Total Other Non Interest Income	38.88M	42.79M	47.17M	49.77M	55.66M
Non Interest Income, Total	278M	153M	135M	124M	135M
Revenues Before Provison For Loan Losses	1.02B	1.05B	1.06B	1.03B	1.24B
Provision For Loan Losses	-23.97M	18.82M	31.15M	25.15M	35.14M
Total Revenues	1.04B	1.03B	1.02B	1.01B	1.2B
Salaries And Other Employee Benefits	323M	278M	267M	276M	292M
Occupancy Expense	21.82M	24.47M	25.39M	25.9M	29.95M
Federal Deposit Insurance	8.35M	11.99M	30.38M	19.74M	17.02M
Selling General & Admin Expenses, Total	87.96M	98.02M	102M	99.98M	109M
(Income) Loss on Real Estate Property	5.39M	2.84M	1.3M	501K	744K
Total Other Non Interest Expense	125M	139M	134M	123M	145M
Non Interest Expense, Total	572M	555M	560M	545M	594M
EBT, Excl. Unusual Items	473M	476M	464M	465M	608M
Total Merger & Related Restructuring Charges	-9.01M	-	-	-	-24.33M
Gain (Loss) on Sale of Assets	-	-	-	-	-
Asset Writedown	-629K	-	-	-	-
Insurance Settlements	-	-	-	-	-
Other Unusual Items	-15K	-	-	-	-
EBT, Incl. Unusual Items	463M	476M	464M	465M	583M
Income Tax Expense	95.12M	96.16M	97.49M	91.58M	119M
Earnings From Continuing Operations	368M	380M	366M	373M	465M
Net Income to Company	368M	380M	366M	373M	465M
Net Income - (IS)	368M	380M	366M	373M	465M
Preferred Dividend and Other Adjustments	1.04M	1M	879K	834K	1.03M
Net Income to Common Incl Extra Items	367M	379M	365M	372M	464M
Net Income to Common Excl. Extra Items	367M	379M	365M	372M	464M
Per Share Items
Net EPS - Basic	2.84	2.81	2.72	2.76	3.28
Basic EPS - Continuing Operations	2.84	2.81	2.72	2.76	3.28
Basic Weighted Average Shares Outstanding	129M	135M	135M	135M	141M
Net EPS - Diluted	2.83	2.8	2.71	2.75	3.27
Diluted EPS - Continuing Operations	2.83	2.8	2.71	2.75	3.27
Diluted Weighted Average Shares Outstanding	130M	135M	135M	135M	142M
Normalized Basic EPS	2.28	2.21	2.16	2.15	2.68
Normalized Diluted EPS	2.28	2.2	2.15	2.15	2.68
Dividend Per Share	1.41	1.44	1.45	1.48	1.49
Payout Ratio	49.3	50.85	53.16	53.81	44.98
Supplemental Items
Effective Tax Rate - (Ratio)	20.55	20.21	21.02	19.71	20.36
Current Domestic Taxes	91.09M	103M	100M	94.95M	102M
Total Current Taxes	91.09M	103M	100M	94.95M	102M
Deferred Domestic Taxes	4.02M	-6.89M	-2.92M	-3.37M	16.64M
Total Deferred Taxes	4.02M	-6.89M	-2.92M	-3.37M	16.64M
Normalized Net Income	295M	297M	290M	290M	380M
Non-Cash Pension Expense	-863K	-4.31M	-1.28M	-1.38M	-3.55M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	8.02M	9.88M	12.46M	12.13M	13.09M
Total Stock-Based Compensation	8.02M	9.88M	12.46M	12.13M	13.09M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	3.76B	1.18B	1.6B	2.29B	2.54B
Investment Securities, Total	2.46B	3.02B	2.52B	1.78B	1.6B
Trading Asset Securities, Total	32.26M	5.55M	1.85M	1.26M	789K
Mortgage Backed Securities	1.83B	1.85B	1.6B	1.47B	1.79B
Total investments	4.32B	4.88B	4.12B	3.26B	3.4B
Gross Loans	18.05B	20.58B	21.37B	21.68B	24.72B
Allowance For Loan Losses	-216M	-235M	-259M	-272M	-298M
Other Adjustments to Gross Loans	-27.66M	-22M	-14.1M	-7M	-11.5M
Net Loans	17.81B	20.32B	21.1B	21.4B	24.41B
Gross Property Plant And Equipment	481M	495M	516M	504M	563M
Accumulated Depreciation	-202M	-225M	-238M	-236M	-264M
Net Property Plant And Equipment	279M	270M	278M	268M	298M
Goodwill	1.89B	1.89B	1.89B	1.89B	2.02B
Other Intangibles, Total	24.41M	18.9M	13.78M	8.87M	8.87M
Loans Held For Sale	504M	56.88M	56.26M	44.36M	31.28M
Accrued Interest Receivable	64.51M	94.89M	111M	102M	109M
Deferred Tax Assets Long-Term (Collected)	57.31M	164M	145M	142M	123M
Other Real Estate Owned And Foreclosed	14.82M	2.05M	2.62M	327K	8.86M
Other Long-Term Assets, Total	610M	617M	608M	618M	711M
Total Assets	29.33B	29.49B	29.93B	30.02B	33.66B
Liabilities
Accrued Expenses, Total	192M	189M	212M	230M	242M
Interest Bearing Deposits	12.77B	13.94B	14.41B	15.42B	17.12B
Institutional Deposits	1.6B	1.16B	2.26B	2.41B	3.36B
Non-Interest Bearing Deposits	8.98B	7.2B	6.15B	6.14B	6.57B
Total Deposits	23.35B	22.3B	22.82B	23.96B	27.06B
Short-Term Borrowings	132M	161M	197M	176M	199M
Current Portion of Long-Term Debt	-	-	1.5B	260M	250M
Current Portion of Leases	19.49M	19.16M	17.92M	17.12M	18.63M
Long-Term Debt	-	9.89M	-	-	-
Federal Home Loan Bank Debt - Long-Term	532M	1.91B	10.49M	-	-
Long-Term Leases	67.21M	56.59M	74.96M	69.66M	76.76M
Trust Preferred Securities (BS)	285M	277M	279M	280M	282M
Other Non Current Liabilities	31.44M	46.19M	44.71M	34.91M	35.08M
Total Liabilities	24.61B	24.97B	25.16B	25.03B	28.16B
Common Stock, Total	353M	355M	356M	357M	377M
Additional Paid In Capital	3.15B	3.17B	3.18B	3.2B	3.47B
Retained Earnings	1.39B	1.58B	1.75B	1.92B	2.17B
Treasury Stock	-171M	-250M	-252M	-253M	-381M
Comprehensive Income and Other	-4.89M	-333M	-260M	-224M	-139M
Total Common Equity	4.72B	4.52B	4.77B	4.99B	5.5B
Total Equity	4.72B	4.52B	4.77B	4.99B	5.5B
Total Liabilities And Equity	29.33B	29.49B	29.93B	30.02B	33.66B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	136M	134M	135M	143M	139M
ECS Total Common Shares Outstanding	136M	134M	135M	135M	140M
Book Value / Share	34.69	33.61	35.44	36.98	39.38
Tangible Book Value	2.81B	2.61B	2.87B	3.1B	3.47B
Tangible Book Value Per Share	20.64	19.41	21.31	22.92	24.85
Average Assets	27.26B	29.07B	29.3B	29.58B	32.86B
Average Loans	17.71B	19.39B	20.91B	21.61B	24.14B
Total Debt	1.04B	2.43B	2.08B	803M	826M
Deposits at Interest - Cash	3.47B	881M	1.34B	2.05B	2.29B
Federal Funds Sold	927K	1.08M	1.17M	1.27M	1.36M
Debt Equivalent of Unfunded Proj. Benefit Obligation	-17.23M	-24.71M	-30.53M	-45.19M	-54.6M
Net Debt	-2.75B	1.25B	478M	-1.49B	-1.72B
Full Time Employees	2.97K	2.76K	2.64K	2.55K	2.69K
Number Of Offices	221	220	219	219	237

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	368M	380M	366M	373M	465M
Depreciation, Depletion & Amortization	16.91M	18.58M	17.5M	16.02M	17.14M
Amortization of Goodwill and Intangible Assets - (CF)	5.91M	5.52M	5.12M	3.64M	9.36M
Total Depreciation, Depletion & Amortization	22.82M	24.1M	22.62M	19.66M	26.5M
Gain (Loss) on Sale of Loans & Receivables - (CF)	-161M	-41.27M	-25.88M	-16.06M	-9.57M
(Gain) Loss On Sale of Asset - (CF)	460K	457K	345K	322K	97K
(Gain) Loss on Sale of Investments - (CF)	10.04M	12.79M	22.88M	23M	4.25M
Total Asset Writedown	5.73M	1.12M	945K	219K	55K
Provision for Credit Losses	-23.97M	18.82M	31.15M	25.15M	53.87M
Stock-Based Compensation (CF)	8.02M	9.88M	12.46M	12.13M	13.09M
Tax Benefit from Stock Options	303K	1.04M	128K	258K	83K
Net (Increase) Decrease in Loans Originated / Sold - Operating	376M	334M	26.5M	27.96M	22.65M
Changes in Accrued Interest Receivable	2.56M	-30.37M	-16.53M	9.01M	-6.82M
Change in Other Net Operating Assets (Collected)	29.74M	61.24M	15.17M	4.65M	-29.92M
Other Operating Activities	-28.43M	-10.73M	-20.86M	-33.84M	-39.98M
Cash from Operations	610M	761M	435M	445M	499M
Capital Expenditure	-15.38M	-16.86M	-11.69M	-12.13M	-17.71M
Sale of Property, Plant, and Equipment	1.62M	902K	2.54M	101K	1.44M
Cash Acquisitions	39.42M	-	-	-	77.48M
Purchase / Sale of Intangible Assets	-	-	23.45M	12.49M	-
Sale (Purchase) of Real Estate Properties (Collected)	5.68M	10.57M	-	-	-
Investment in Marketable and Equity Securities, Total	-814M	-1.09B	820M	883M	74.4M
Net (Increase) Decrease in Loans Originated / Sold - Investing	882M	-2.37B	-801M	-318M	-1.04B
Other Investing Activities, Total	-83.89M	11.95M	5.8M	6.22M	5.9M
Cash from Investing	15.65M	-3.45B	38.99M	571M	-899M
Short Term Debt Issued, Total	-	31.85M	35.4M	-	22.48M
Long-Term Debt Issued, Total	500M	1.9B	1.5B	250M	-
Total Debt Issued	500M	1.93B	1.54B	250M	22.48M
Short Term Debt Repaid, Total	-40.21M	-	-	-20M	-
Long-Term Debt Repaid, Total	-598M	-520M	-1.91B	-1.5B	-30.58M
Total Debt Repaid	-638M	-520M	-1.91B	-1.52B	-30.58M
Issuance of Common Stock	5.21M	10.3M	1.75M	5.27M	751K
Repurchase of Common Stock	-11.21M	-79.46M	-1.38M	-1.04M	-127M
Common Dividends Paid	-181M	-193M	-195M	-201M	-209M
Common & Preferred Stock Dividends Paid	-181M	-193M	-195M	-201M	-209M
Net Increase (Decrease) in Deposit Accounts - (CF)	1.25B	-1.04B	517M	1.14B	994M
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	924M	105M	-51.94M	-324M	650M
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	1.55B	-2.58B	422M	693M	250M
Supplemental Items
Cash Interest Paid	54.59M	98.16M	468M	591M	582M
Cash Income Tax Paid (Refund)	101M	93.68M	106M	91.69M	114M
Net Debt Issued / Repaid	-138M	1.41B	-375M	-1.27B	-8.09M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.32	1.29	1.23	1.24	1.46
Return On Equity %	8.16	8.22	7.89	7.64	8.86
Return on Common Equity	8.13	8.2	7.87	7.62	8.84
Shareholders Value Added	-162M	-169M	-186M	-209M	-140M
Margin Analysis
SG&A Margin	41.45	38.9	38.48	39.82	35.87
Net Interest Income / Total Revenues %	71.09	86.96	89.83	90.24	91.68
EBT Excl. Non-Recurring Items Margin %	45.22	46.15	45.29	46.02	50.55
Income From Continuing Operations Margin %	35.2	36.83	35.77	36.94	38.65
Net Income Margin %	35.2	36.83	35.77	36.94	38.65
Net Avail. For Common Margin %	35.1	36.73	35.69	36.86	38.56
Normalized Net Income Margin	28.27	28.85	28.31	28.76	31.6
Asset quality
Nonperforming Loans / Total Loans %	0.5	0.28	0.21	0.34	0.41
Nonperforming Loans / Total Assets %	0.31	0.2	0.15	0.24	0.3
Nonperforming Assets / Total Assets %	0.36	0.21	0.16	0.25	0.33
NPAs / Loans and OREO	0.58	0.29	0.22	0.34	0.45
NPAs / Equity	2.24	1.34	1.01	1.48	2.01
Allowance for Credit Losses / Net Charge-offs %	2.48K	232K	3.89K	2.17K	650.85
Allowance for Credit Losses / Nonperforming Loans %	238.01	400.32	569.78	370.36	293.22
Allowance for Credit Losses / Total Loans %	1.2	1.14	1.21	1.25	1.2
Net Charge-offs / Total Average Loans %	0.05	0	0.03	0.06	0.19
Provision for Loan Losses / Net Charge-offs %	-274.92	18.64K	467.55	200.5	76.86
Earning Assets / IBL	169.12	154.7	145.25	142.68	142.11
Interest Income / Average Assets	2.92	3.45	4.78	5.08	5.13
Interest Expense / Average Assets	0.19	0.36	1.64	2	1.78
Net Interest Income / Average Assets	2.72	3.08	3.14	3.08	3.35
Non Interest Income / Average Assets	1.02	0.53	0.46	0.42	0.41
Non Interest Expense / Average Asset	2.1	1.91	1.91	1.84	1.81
Capital And Funding
Total Average Common Equity / Total Average Assets %	16.24	15.7	15.63	16.29	16.47
Total Average Equity / Total Average Assets %	16.24	15.7	15.63	16.29	16.47
Total Equity + Allowance for Loan Losses / Total Loans %	27.34	23.08	23.54	24.28	23.44
Gross Loans / Total Deposits %	77.31	92.27	93.66	90.48	91.35
Net Loans / Total Deposits %	76.26	91.12	92.46	89.32	90.21
Tier 1 Capital Ratio %	13.4	12.3	13.1	14.1	13.4
Total Capital Ratio %	15.4	14.4	15.4	16.5	15.7
Core Tier 1 Capital Ratio	13.4	12.3	13.1	14.1	13.4
Coverage Ratio	-	-	-	-	-
Leverage Ratio %	11	10.8	11.4	11.7	11.3
Interbank Ratio	2.7K	549.16	684.26	1.17K	1.16K
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	44	19.79	6.14	10.07	20.98
EBT + Interest Expense / Interest Expense	9.84	5.51	1.96	1.79	2
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	7.68	20.69	2.62	-0.96	20.97
Non Interest Income, 1 Yr. Growth %	-21.61	-44.9	-11.75	-8.55	9.26
Provision For Loan Losses, 1 Yr. Growth %	-122.49	-178.52	65.51	-19.26	39.69
Total Revenues, 1 Yr. Growth %	11.39	-1.34	-0.66	-1.41	19.07
Earnings From Cont. Operations, 1 Yr. Growth %	27.23	3.23	-3.51	1.82	24.56
Net Income, 1 Yr. Growth %	27.23	3.23	-3.51	1.82	24.56
Normalized Net Income, 1 Yr. Growth %	22.86	1.34	-2.52	0.17	30.81
Diluted EPS Before Extra, 1 Yr. Growth %	17.92	-1.06	-3.21	1.48	18.91
Dividend Per Share, 1 Yr. Growth %	0.71	2.13	0.69	2.07	0.68
Gross Loans, 1 Yr. Growth %	2.43	14.01	3.85	1.44	14.02
Allowance For Loan Losses, 1 Yr. Growth %	-8.4	8.67	10.43	4.86	9.44
Net Loans, 1 Yr. Growth %	2.6	14.13	3.82	1.43	14.06
Non Performing Loans, 1 Yr. Growth %	-31.35	-35.39	-22.41	61.33	38.24
Non Performing Assets, 1 Yr. Growth %	-31.8	-42.52	-20.72	53.24	49.64
Total Assets, 1 Yr. Growth %	12.01	0.55	1.48	0.32	12.11
Total Deposits, 1 Yr Growth %	13.43	-4.48	2.31	5.01	12.93
Tangible Book Value, 1 Yr. Growth %	13.5	-7.1	9.97	7.86	12.04
Average Interest Earning Assets, 1 Yr. Growth %	13.15	6.26	1.05	0.95	11.42
Average Interest Bearing Liabilities, 1 Yr. Growth %	5.9	4.67	7.63	2.77	11.86
Common Equity, 1 Yr. Growth %	9.8	-4.29	5.65	4.65	10.07
Total Equity, 1 Yr. Growth %	9.8	-4.29	5.65	4.65	10.07
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	13.37	14	11.29	0.81	9.46
Non Interest Income, 2 Yr. CAGR %	35.94	-34.27	-30.26	-10.16	-0.04
Provision For Loan Losses, 2 Yr. CAGR %	6.05	-57.97	14	15.6	6.2
Total Revenues, 2 Yr. CAGR %	21.56	4.83	-1	-1.04	8.35
Earnings From Cont. Operations, 2 Yr. CAGR %	18.9	14.61	-0.19	-0.88	12.62
Net Income, 2 Yr. CAGR %	18.9	14.61	-0.19	-0.88	12.62
Normalized Net Income, 2 Yr. CAGR %	19.74	13.17	0.03	-1.18	14.47
Diluted EPS Before Extra, 2 Yr. CAGR %	5.35	8.01	-2.14	-0.9	9.85
Dividend Per Share, 2 Yr. CAGR %	1.45	1.42	1.41	1.38	1.37
Gross Loans, 2 Yr. CAGR %	14.73	8.07	8.81	2.64	7.55
Allowance For Loan Losses, 2 Yr. CAGR %	67.43	-0.23	9.55	7.61	7.13
Net Loans, 2 Yr. CAGR %	14.28	8.21	8.85	2.62	7.56
Non Performing Loans, 2 Yr. CAGR %	-16.79	-33.4	-29.2	11.88	49.34
Non Performing Assets, 2 Yr. CAGR %	-15.13	-37.39	-32.5	10.22	51.43
Total Assets, 2 Yr. CAGR %	22.13	6.12	1.01	0.9	6.05
Total Deposits, 2 Yr CAGR %	29.83	4.09	-1.14	3.65	8.9
Tangible Book Value, 2 Yr. CAGR %	23	2.68	1.08	8.94	9.93
Average Interest Earning Assets, 2 Yr. CAGR %	18.74	9.65	3.63	1	6.05
Average Interest Bearing Liabilities, 2 Yr. CAGR %	11.22	6.01	6.14	5.17	7.22
Common Equity, 2 Yr. CAGR %	18.44	2.51	0.56	5.15	7.33
Total Equity, 2 Yr. CAGR %	18.44	2.51	0.56	5.15	7.33
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	8.06	15.76	10.07	7.05	7.13
Non Interest Income, 3 Yr. CAGR %	29.28	0.61	-27.49	-23.67	-4.1
Provision For Loan Losses, 3 Yr. CAGR %	2.88	-4.06	-33.63	1.62	23.13
Total Revenues, 3 Yr. CAGR %	14.54	13.39	2.97	-1.14	5.26
Earnings From Cont. Operations, 3 Yr. CAGR %	12.78	13.43	8.22	0.47	6.96
Net Income, 3 Yr. CAGR %	12.78	13.43	8.22	0.47	6.96
Normalized Net Income, 3 Yr. CAGR %	13.04	13.02	7.68	0.08	8.5
Diluted EPS Before Extra, 3 Yr. CAGR %	4.92	3.17	4.13	-0.95	5.31
Dividend Per Share, 3 Yr. CAGR %	1.21	1.67	1.18	1.63	1.14
Gross Loans, 3 Yr. CAGR %	10.36	14.49	6.64	6.3	6.3
Allowance For Loan Losses, 3 Yr. CAGR %	41.22	44.96	3.2	7.96	8.22
Net Loans, 3 Yr. CAGR %	10.09	14.23	6.73	6.32	6.3
Non Performing Loans, 3 Yr. CAGR %	-14.03	-23.52	-29.92	-6.83	20.06
Non Performing Assets, 3 Yr. CAGR %	-12.88	-25.47	-32.26	-11.28	22.04
Total Assets, 3 Yr. CAGR %	15.07	14.47	4.55	0.78	4.51
Total Deposits, 3 Yr CAGR %	18.61	17.21	3.49	0.87	6.66
Tangible Book Value, 3 Yr. CAGR %	17.37	12.01	5.06	3.31	9.96
Average Interest Earning Assets, 3 Yr. CAGR %	13.49	14.43	6.71	2.73	4.36
Average Interest Bearing Liabilities, 3 Yr. CAGR %	8.58	12.85	6.55	5	7.36
Common Equity, 3 Yr. CAGR %	13.22	10.32	3.55	1.9	6.76
Total Equity, 3 Yr. CAGR %	13.22	10.32	3.55	1.9	6.76
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	11.79	10.3	9.34	9.53	9.83
Non Interest Income, 5 Yr. CAGR %	31.76	3.09	1	-3.84	-17.55
Provision For Loan Losses, 5 Yr. CAGR %	-0.44	-7.9	7.19	3.37	-19.9
Total Revenues, 5 Yr. CAGR %	17.28	9.59	8.05	7.38	5.09
Earnings From Cont. Operations, 5 Yr. CAGR %	20.11	20.31	7.4	7.48	9.96
Net Income, 5 Yr. CAGR %	20.11	20.31	7.4	7.48	9.96
Normalized Net Income, 5 Yr. CAGR %	15.67	10.81	7.23	7.11	10.34
Diluted EPS Before Extra, 5 Yr. CAGR %	7.3	12.7	2.04	1.52	6.38
Dividend Per Share, 5 Yr. CAGR %	1.33	1.6	1.29	1.56	1.25
Gross Loans, 5 Yr. CAGR %	11.75	9.58	9.74	9.59	7
Allowance For Loan Losses, 5 Yr. CAGR %	24.31	25.1	27.58	28.68	4.76
Net Loans, 5 Yr. CAGR %	11.64	9.46	9.59	9.44	7.06
Non Performing Loans, 5 Yr. CAGR %	-4.33	-19.05	-20.45	-10.95	-5.16
Non Performing Assets, 5 Yr. CAGR %	-6.12	-20.66	-21.33	-12.84	-6.55
Total Assets, 5 Yr. CAGR %	15.12	9.12	9.23	8.83	5.15
Total Deposits, 5 Yr CAGR %	16.68	10.03	10.27	11.58	5.62
Tangible Book Value, 5 Yr. CAGR %	15.79	8.72	10.56	10.77	6.99
Average Interest Earning Assets, 5 Yr. CAGR %	15.21	10.58	9.44	8.86	6.45
Average Interest Bearing Liabilities, 5 Yr. CAGR %	11.06	9.08	9.86	9.71	6.81
Common Equity, 5 Yr. CAGR %	16.11	6.86	7.97	8.22	5.04
Total Equity, 5 Yr. CAGR %	16.11	6.86	7.97	8.22	5.04