Cash flow Wintrust Financial Corporation

Equities

WTFC

US97650W1080

Banks

Market Closed - Nasdaq Other stock markets 04:00:00 2026-03-06 pm EST			5-day change	1st Jan Change
138.07 ^USD	-3.52%		-4.16%	-1.25%

Mar. 03	Wintrust Financial Corporation Presents at 47th Annual Raymond James Institutional Investor Conference, Mar-03-2026 09:15 AM
Feb. 04	UBS Adjusts Price Target on Wintrust Financial to $176 From $165, Maintains Buy Rating	MT

1ebb5cf844b09b4c8d784e12.F9Ayurbaf2_cMelOUR30uFX_s8OPPWeFmYhjoSd3mOg.Z5F3zc-4GAadBbZ4JzCS-Qaq67TEazHp3-Iu9woj9pByk1DM95Y7V5Zfng

Published financial data: WINTRUST FINANCIAL CORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	1.17B	1.53B	2.56B	3.06B	3.24B
Interest Income On Investments	110M	219M	335M	413M	488M
Interest Income, Total	1.28B	1.75B	2.89B	3.48B	3.73B
Interest On Deposits	88.12M	175M	906M	1.34B	1.34B
Total Interest On Borrowings	62.41M	76.88M	149M	171M	162M
Interest Expense, Total	151M	252M	1.06B	1.52B	1.5B
Net Interest Income	1.12B	1.5B	1.84B	1.96B	2.22B
Service Charges On Deposits	54.17M	58.57M	55.25M	65.65M	79.09M
Trust Income	124M	127M	131M	146M	147M
Total Mortgage Banking Activities	273M	155M	83.07M	93.21M	90.78M
Income From Trading Activities	245K	3.75M	1.14M	504K	2K
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-1.06M	-20.43M	1.52M	-2.6M	8.32M
Total Other Non Interest Income	135M	137M	161M	183M	174M
Non Interest Income, Total	586M	460M	433M	486M	500M
Revenues Before Provison For Loan Losses	1.71B	1.96B	2.27B	2.45B	2.72B
Provision For Loan Losses	-59.26M	78.59M	114M	101M	95.55M
Total Revenues	1.77B	1.88B	2.16B	2.35B	2.63B
Salaries And Other Employee Benefits	675M	664M	715M	779M	832M
Amort. of Goodwill & Intang. Assets	7.73M	6.12M	5.5M	12.1M	21.39M
Occupancy Expense	74.18M	70.96M	77.07M	79.21M	81.92M
Federal Deposit Insurance	27.03M	28.64M	71.1M	46.12M	43.88M
Selling General & Admin Expenses, Total	249M	289M	319M	345M	371M
(Income) Loss on Real Estate Property	-1.65M	-140K	-1.53M	-408K	3.57M
Total Other Non Interest Expense	101M	118M	127M	141M	159M
Non Interest Expense, Total	1.13B	1.18B	1.31B	1.4B	1.51B
EBT, Excl. Unusual Items	637M	700M	844M	945M	1.12B
Other Unusual Items	601K	694K	1.18M	1.87M	2.27M
EBT, Incl. Unusual Items	638M	701M	845M	947M	1.12B
Income Tax Expense	172M	191M	222M	252M	295M
Earnings From Continuing Operations	466M	510M	623M	695M	824M
Net Income to Company	466M	510M	623M	695M	824M
Net Income - (IS)	466M	510M	623M	695M	824M
Preferred Dividend and Other Adjustments	27.96M	27.96M	27.96M	27.96M	49.69M
Net Income to Common Incl Extra Items	438M	482M	595M	667M	774M
Net Income to Common Excl. Extra Items	438M	482M	595M	667M	774M
Per Share Items
Net EPS - Basic	7.69	8.14	9.72	10.47	11.57
Basic EPS - Continuing Operations	7.69	8.14	9.72	10.47	11.57
Basic Weighted Average Shares Outstanding	56.99M	59.2M	61.15M	63.68M	66.9M
Net EPS - Diluted	7.58	8.02	9.58	10.31	11.4
Diluted EPS - Continuing Operations	7.58	8.02	9.58	10.31	11.4
Diluted Weighted Average Shares Outstanding	57.79M	60.09M	62.09M	64.7M	67.89M
Normalized Basic EPS	6.99	7.39	8.63	9.28	10.43
Normalized Diluted EPS	6.89	7.28	8.5	9.13	10.27
Dividend Per Share	1.24	1.36	1.6	1.8	2
Payout Ratio	21.16	21.23	20.19	20.61	20.56
Supplemental Items
Effective Tax Rate - (Ratio)	26.91	27.25	26.32	26.61	26.34
Current Domestic Taxes	168M	166M	228M	231M	242M
Current Foreign Taxes	6.94M	3.21M	13.7M	10.08M	7.96M
Total Current Taxes	175M	169M	242M	241M	250M
Deferred Domestic Taxes	-2.8M	17.38M	-18M	10.84M	44.94M
Deferred Foreign Taxes	-58K	4.68M	-1.71M	170K	-98K
Total Deferred Taxes	-2.86M	22.06M	-19.71M	11.01M	44.84M
Normalized Net Income	398M	437M	527M	591M	698M
Non-Cash Pension Expense	-	-	-	-	-
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	16.18M	31.75M	33.5M	38.11M	41.55M
Total Stock-Based Compensation	16.18M	31.75M	33.5M	38.11M	41.55M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	1.11B	491M	423M	459M	468M
Investment Securities, Total	8.76B	6.13B	6.41B	8.65B	6.95B
Trading Asset Securities, Total	166M	298M	280M	204M	180M
Mortgage Backed Securities	2.01B	2.9B	3.23B	3.79B	5.94B
Total investments	10.94B	9.32B	9.92B	12.65B	13.07B
Gross Loans	35.17B	39.67B	42.7B	48.6B	53.73B
Allowance For Loan Losses	-248M	-270M	-344M	-364M	-379M
Other Adjustments to Gross Loans	-136M	-224M	-285M	-268M	-269M
Net Loans	34.78B	39.18B	42.07B	47.97B	53.09B
Gross Property Plant And Equipment	1.18B	1.18B	1.21B	1.29B	1.33B
Accumulated Depreciation	-416M	-412M	-464M	-508M	-551M
Net Property Plant And Equipment	766M	765M	749M	779M	782M
Goodwill	655M	654M	657M	797M	798M
Other Intangibles, Total	28.31M	22.19M	22.89M	122M	98M
Investment in FHLB	135M	225M	205M	281M	292M
Loans Held For Sale	818M	300M	293M	331M	341M
Accrued Interest Receivable	117M	214M	304M	333M	312M
Other Receivables	38.88M	949M	716M	31.57M	850M
Other Real Estate Owned And Foreclosed	4.27M	9.9M	13.31M	23.12M	20.84M
Other Long-Term Assets, Total	747M	816M	883M	1.1B	1.02B
Total Assets	50.14B	52.95B	56.26B	64.88B	71.14B
Liabilities
Interest Bearing Deposits	25.3B	28.23B	32.48B	37.2B	42.29B
Institutional Deposits	2.62B	2B	2.5B	3.9B	4B
Non-Interest Bearing Deposits	14.18B	12.67B	10.42B	11.41B	11.42B
Total Deposits	42.1B	42.9B	45.4B	52.51B	57.72B
Short-Term Borrowings	363M	646M	281M	242M	124M
Current Portion of Long-Term Debt	-	-	418M	323M	-
Current Portion of Leases	24.58M	21.49M	24.47M	25.41M	24.68M
Long-Term Debt	922M	1.02B	678M	510M	777M
Federal Home Loan Bank Debt - Long-Term	1.17B	2.03B	2.3B	3.15B	3.45B
Long-Term Leases	153M	145M	142M	128M	118M
Trust Preferred Securities (BS)	254M	254M	254M	254M	254M
Accrued Interest Payable	9.3M	22.18M	51.12M	48.36M	62.88M
Other Current Liabilities - (Bank / Utility Template)	-	-	-	-	-
Unearned Revenue Non Current	1.59M	1.28M	665K	1.33M	2.64M
Other Non Current Liabilities	655M	1.12B	1.31B	1.34B	1.35B
Total Liabilities	45.64B	48.15B	50.86B	58.54B	63.88B
Preferred Stock Redeemable	412M	412M	412M	412M	425M
Preferred Stock Non Redeemable	-	-	-	-	-
Preferred Stock Convertible	-	-	-	-	-
Total Preferred Equity	412M	412M	412M	412M	425M
Common Stock, Total	58.89M	60.8M	61.27M	66.56M	67.06M
Additional Paid In Capital	1.69B	1.9B	1.94B	2.48B	2.53B
Retained Earnings	2.45B	2.85B	3.35B	3.9B	4.54B
Treasury Stock	-110M	-304K	-2.22M	-6.15M	-9.16M
Comprehensive Income and Other	4.09M	-428M	-361M	-508M	-296M
Total Common Equity	4.09B	4.38B	4.99B	5.93B	6.83B
Total Equity	4.5B	4.8B	5.4B	6.34B	7.26B
Total Liabilities And Equity	50.14B	52.95B	56.26B	64.88B	71.14B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	57.24M	61.02M	61.47M	66.71M	67.27M
ECS Total Common Shares Outstanding	57.05M	60.79M	61.24M	66.5M	66.97M
Book Value / Share	71.62	72.12	81.43	89.21	102.03
Tangible Book Value	3.4B	3.71B	4.31B	5.01B	5.94B
Tangible Book Value Per Share	59.64	61	70.33	75.39	88.66
Tangible Book Value Per Share (As Reported)	59.64	61	70.33	75.39	88.66
Average Assets	46.82B	50.42B	53.53B	59.42B	66.95B
Average Loans	34.01B	37.18B	40.62B	45.11B	50.56B
Total Debt	2.88B	4.11B	4.1B	4.63B	4.75B
Federal Funds Sold	700M	58K	60K	6.52M	64K
Debt Equivalent of Unfunded Proj. Benefit Obligation	-	-	-	-	-
Net Debt	-3.77B	1.33B	1.31B	-439M	920M
Equity Method Investments, Total	-	-	-	-	-
Full Time Employees	5.24K	5.28K	5.52K	5.9K	5.9K
Part Time Employees	-	-	-	-	-
Number Of Offices	173	174	174	205	209

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	466M	510M	623M	695M	824M
Depreciation, Depletion & Amortization	53.18M	37.95M	36.9M	45.69M	54.71M
Amortization of Goodwill and Intangible Assets - (CF)	7.73M	6.12M	5.5M	12.1M	21.39M
Total Depreciation, Depletion & Amortization	60.92M	44.06M	42.4M	57.78M	76.11M
Amortization of Deferred Charges, Total	40.88M	38.01M	42.36M	42.3M	42.67M
Gain (Loss) on Sale of Loans & Receivables - (CF)	-298M	-62.96M	-55.57M	-69.99M	-85.04M
(Gain) Loss On Sale of Asset - (CF)	-6.41M	2.05M	-366K	-1.62M	3.02M
(Gain) Loss on Sale of Investments - (CF)	7.45M	22.84M	-289K	469K	-18.91M
Provision for Credit Losses	-59.26M	78.59M	114M	101M	95.55M
Stock-Based Compensation (CF)	16.18M	31.75M	33.5M	38.11M	41.55M
Tax Benefit from Stock Options	-	-	-	-	-
Net (Increase) Decrease in Loans Originated / Sold - Operating	638M	428M	-24.94M	-38.86M	-30.85M
Change in Trading Asset Securities	-390K	-66K	-3.58M	635K	4.07M
Changes in Accrued Interest Receivable	188M	-91.58M	-205M	-131M	-68.99M
Changes in Accrued Interest Payable	78.48M	377M	165M	-49.35M	-57.67M
Change in Other Net Operating Assets (Collected)	-8.63M	9.68M	5.8M	-7.51M	18.1M
Other Operating Activities	7.27M	-12.06M	8.88M	84.93M	66.89M
Cash from Operations	1.13B	1.38B	744M	722M	910M
Capital Expenditure	-57.08M	-53.45M	-46.41M	-86.03M	-49.95M
Cash Acquisitions	-585M	-	-5.15M	531M	-
Sale (Purchase) of Real Estate Properties (Collected)	16.93M	3.95M	5.05M	-	2.14M
Investment in Marketable and Equity Securities, Total	-3.2B	967M	-314M	-1.56B	-1.07B
Net (Increase) Decrease in Loans Originated / Sold - Investing	-2.1B	-4.32B	-2.9B	-4.78B	-5.04B
Other Investing Activities, Total	542K	-88.42M	20.33M	-56.01M	-10.12M
Cash from Investing	-5.93B	-3.49B	-3.24B	-5.95B	-6.17B
Long-Term Debt Issued, Total	12.63M	1.2B	50.67M	825M	300M
Total Debt Issued	12.63M	1.2B	50.67M	825M	300M
Long-Term Debt Repaid, Total	-27.78M	-	-	-224M	-73.61M
Total Debt Repaid	-27.78M	-	-	-224M	-73.61M
Issuance of Common Stock	19.82M	297M	8.31M	6.69M	7.22M
Repurchase of Common Stock	-9.54M	-304K	-1.91M	-3.94M	-3M
Issuance of Preferred Stock	-	-	-	-	414M
Repurchase of Preferred Stock	-	-	-	-	-412M
Common Dividends Paid	-	-80.25M	-97.73M	-115M	-134M
Preferred Dividends Paid	-	-27.96M	-27.96M	-27.96M	-35.64M
Common & Preferred Stock Dividends Paid	-98.63M	-	-	-	-
Common & Preferred Stock Dividends Paid	-98.63M	-108M	-126M	-143M	-169M
Net Increase (Decrease) in Deposit Accounts - (CF)	5.01B	807M	2.49B	4.81B	5.2B
Other Financing Activities, Total	-16.58M	-	-57K	-6.17M	-
Cash from Financing	4.89B	2.2B	2.43B	5.26B	5.27B
Net Change in Cash	88.73M	79.76M	-67.5M	35.07M	9.4M
Supplemental Items
Cash Interest Paid	157M	239M	1.03B	1.52B	1.49B
Cash Income Tax Paid (Refund)	179M	153M	232M	253M	222M
Net Debt Issued / Repaid	-15.16M	1.2B	50.67M	602M	226M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.98	0.99	1.14	1.15	1.21
Return On Equity %	10.82	10.97	12.21	11.84	12.11
Return on Common Equity	11.25	11.37	12.69	12.22	12.13
Shareholders Value Added	6.5M	7.57M	65.84M	52.01M	79.31M
Margin Analysis
SG&A Margin	56.41	54.59	51.51	51.26	48.88
Net Interest Income / Total Revenues %	63.57	79.66	85.23	83.59	84.62
EBT Excl. Non-Recurring Items Margin %	36	37.28	39.13	40.26	42.47
Income From Continuing Operations Margin %	26.34	27.15	28.87	29.6	31.35
Net Income Margin %	26.34	27.15	28.87	29.6	31.35
Net Avail. For Common Margin %	24.76	25.66	27.58	28.41	29.46
Normalized Net Income Margin	22.5	23.3	24.46	25.16	26.54
Asset quality
Nonperforming Loans / Total Loans %	0.21	0.25	0.33	0.35	0.35
Nonperforming Loans / Total Assets %	0.15	0.19	0.25	0.26	0.26
Nonperforming Assets / Total Assets %	0.16	0.21	0.27	0.3	0.29
NPAs / Loans and OREO	0.22	0.28	0.36	0.4	0.38
NPAs / Equity	1.75	2.31	2.82	3.06	2.85
Allowance for Credit Losses / Net Charge-offs %	1.16K	1.33K	756.53	385.63	524.49
Allowance for Credit Losses / Nonperforming Loans %	332.94	268.3	247.6	213.1	204.13
Allowance for Credit Losses / Total Loans %	0.7	0.68	0.81	0.75	0.71
Net Charge-offs / Total Average Loans %	0.06	0.05	0.11	0.21	0.14
Provision for Loan Losses / Net Charge-offs %	-276.28	387.6	251.4	107.05	132.13
Earning Assets / IBL	151.97	153.32	139.74	133.73	132.42
Interest Income / Average Assets	2.72	3.47	5.4	5.85	5.57
Interest Expense / Average Assets	0.32	0.5	1.97	2.55	2.25
Net Interest Income / Average Assets	2.4	2.97	3.43	3.3	3.32
Non Interest Income / Average Assets	1.25	0.91	0.81	0.82	0.75
Non Interest Expense / Average Asset	2.42	2.33	2.45	2.36	2.26
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.18	8.22	8.58	9.01	9.38
Total Average Equity / Total Average Assets %	9.05	9.02	9.34	9.69	10
Total Equity + Allowance for Loan Losses / Total Loans %	13.5	12.77	13.45	13.8	14.21
Gross Loans / Total Deposits %	83.54	92.48	94.06	92.55	93.1
Net Loans / Total Deposits %	82.63	91.32	92.67	91.35	91.98
Tier 1 Capital Ratio %	9.6	10	10.3	10.7	11
Total Capital Ratio %	11.6	11.9	12.1	12.3	12.4
Core Tier 1 Capital Ratio	8.6	9.1	9.4	9.9	10.3
Equity Tier 1 Capital Ratio	6.9	7.1	7.7	7.8	8.5
Coverage Ratio	265.72	299.54	377.65	305.06	276.43
Leverage Ratio %	8	8.8	9.3	9.4	9.6
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	11.22	10.11	6.68	6.52	7.89
EBT + Interest Expense / Interest Expense	5.24	3.78	1.8	1.63	1.74
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	8.18	32.93	22.9	6.78	13.33
Non Interest Income, 1 Yr. Growth %	-2.99	-21.38	-5.96	12.37	2.72
Provision For Loan Losses, 1 Yr. Growth %	-127.66	-232.61	45.55	-11.66	-5.44
Total Revenues, 1 Yr. Growth %	23.82	6.07	14.88	8.88	11.93
Earnings From Cont. Operations, 1 Yr. Growth %	59.1	9.34	22.16	11.63	18.53
Net Income, 1 Yr. Growth %	59.1	9.34	22.16	11.63	18.53
Normalized Net Income, 1 Yr. Growth %	63.74	9.83	20.58	12.01	18.08
Diluted EPS Before Extra, 1 Yr. Growth %	61.97	5.8	19.45	7.62	10.57
Dividend Per Share, 1 Yr. Growth %	10.71	9.68	17.65	12.5	11.11
Gross Loans, 1 Yr. Growth %	8.42	12.82	7.62	13.82	10.56
Allowance For Loan Losses, 1 Yr. Growth %	-22.4	9.01	27.41	5.75	4.19
Net Loans, 1 Yr. Growth %	8.69	12.64	7.37	14.03	10.67
Non Performing Loans, 1 Yr. Growth %	-41.62	35.28	38.07	22.87	8.77
Non Performing Assets, 1 Yr. Growth %	-45.37	40.51	37.74	27.31	6.55
Total Assets, 1 Yr. Growth %	11.23	5.6	6.25	15.32	9.65
Total Deposits, 1 Yr Growth %	13.49	1.92	5.81	15.67	9.91
Tangible Book Value, 1 Yr. Growth %	12.61	8.99	16.15	16.38	18.44
Average Interest Earning Assets, 1 Yr. Growth %	14.47	8.27	5.84	11.38	13.18
Average Interest Bearing Liabilities, 1 Yr. Growth %	7.14	7.32	16.13	16.38	14.31
Common Equity, 1 Yr. Growth %	10.33	7.3	13.75	18.94	15.2
Total Equity, 1 Yr. Growth %	9.3	6.63	12.56	17.5	14.41
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	3.27	19.92	27.82	14.56	10.01
Non Interest Income, 2 Yr. CAGR %	19.92	-12.66	-14.01	2.8	7.43
Provision For Loan Losses, 2 Yr. CAGR %	4.89	-39.43	38.93	13.39	-8.6
Total Revenues, 2 Yr. CAGR %	12.1	14.6	10.38	11.84	10.4
Earnings From Cont. Operations, 2 Yr. CAGR %	14.48	31.89	15.57	16.78	15.03
Net Income, 2 Yr. CAGR %	14.48	31.89	15.57	16.78	15.03
Normalized Net Income, 2 Yr. CAGR %	15.21	34.11	15.08	16.21	15
Diluted EPS Before Extra, 2 Yr. CAGR %	12.12	30.91	12.42	13.38	9.09
Dividend Per Share, 2 Yr. CAGR %	11.36	10.19	13.59	15.04	11.8
Gross Loans, 2 Yr. CAGR %	13.81	10.6	10.19	10.68	12.18
Allowance For Loan Losses, 2 Yr. CAGR %	25.71	-8.02	17.85	16.08	4.97
Net Loans, 2 Yr. CAGR %	13.77	10.65	9.98	10.65	12.33
Non Performing Loans, 2 Yr. CAGR %	-27.16	-11.14	36.66	30.25	15.61
Non Performing Assets, 2 Yr. CAGR %	-28.85	-12.38	39.12	32.42	16.47
Total Assets, 2 Yr. CAGR %	17.01	8.38	5.92	10.69	12.45
Total Deposits, 2 Yr CAGR %	18.25	7.55	3.85	10.63	12.76
Tangible Book Value, 2 Yr. CAGR %	8.81	10.78	12.51	16.27	17.41
Average Interest Earning Assets, 2 Yr. CAGR %	19.72	11.33	7.05	8.58	12.28
Average Interest Bearing Liabilities, 2 Yr. CAGR %	13.74	7.23	11.63	16.25	15.34
Common Equity, 2 Yr. CAGR %	7.04	8.8	10.47	16.32	17.06
Total Equity, 2 Yr. CAGR %	10.4	7.95	9.56	15	15.94
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	5.25	12.33	20.9	20.38	14.15
Non Interest Income, 3 Yr. CAGR %	18.09	4.18	-10.48	-5.99	2.77
Provision For Loan Losses, 3 Yr. CAGR %	19.38	13.42	-18.87	19.47	6.73
Total Revenues, 3 Yr. CAGR %	11.24	10.06	14.69	9.88	11.87
Earnings From Cont. Operations, 3 Yr. CAGR %	10.75	12.74	28.57	14.24	17.36
Net Income, 3 Yr. CAGR %	10.75	12.74	28.57	14.24	17.36
Normalized Net Income, 3 Yr. CAGR %	11.51	13.39	29.44	14.05	16.83
Diluted EPS Before Extra, 3 Yr. CAGR %	8.96	9.97	26.97	10.8	12.44
Dividend Per Share, 3 Yr. CAGR %	17.73	10.79	12.62	13.23	13.72
Gross Loans, 3 Yr. CAGR %	13.32	13.48	9.6	11.39	10.64
Allowance For Loan Losses, 3 Yr. CAGR %	17.5	19.88	2.53	13.67	11.97
Net Loans, 3 Yr. CAGR %	13.32	13.39	9.55	11.31	10.66
Non Performing Loans, 3 Yr. CAGR %	-15.69	-10.46	2.92	31.9	22.65
Non Performing Assets, 3 Yr. CAGR %	-19.22	-10.73	1.88	35.07	23.17
Total Assets, 3 Yr. CAGR %	17.08	13.08	7.66	8.97	10.35
Total Deposits, 3 Yr CAGR %	17.28	12.53	6.97	7.65	10.39
Tangible Book Value, 3 Yr. CAGR %	10.53	8.87	12.54	13.79	16.99
Average Interest Earning Assets, 3 Yr. CAGR %	17.65	15.77	9.47	8.47	10.09
Average Interest Bearing Liabilities, 3 Yr. CAGR %	15.19	11.55	10.12	13.2	15.6
Common Equity, 3 Yr. CAGR %	9.15	7.13	10.43	13.23	15.94
Total Equity, 3 Yr. CAGR %	11.25	9.13	9.47	12.14	14.81
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	9.27	12.44	13.75	13.22	16.42
Non Interest Income, 5 Yr. CAGR %	12.77	7.66	4.02	3.62	-3.71
Provision For Loan Losses, 5 Yr. CAGR %	11.7	21.43	26.85	13.41	-14.91
Total Revenues, 5 Yr. CAGR %	11.89	10.87	10.9	10.77	12.96
Earnings From Cont. Operations, 5 Yr. CAGR %	17.64	14.62	12.65	14.34	22.97
Net Income, 5 Yr. CAGR %	17.64	14.62	12.65	14.34	22.97
Normalized Net Income, 5 Yr. CAGR %	14.24	12.48	12.93	14.51	23.46
Diluted EPS Before Extra, 5 Yr. CAGR %	15.67	12.75	10.33	11.32	19.49
Dividend Per Share, 5 Yr. CAGR %	20.9	19.42	16.05	12.47	12.3
Gross Loans, 5 Yr. CAGR %	11.99	12.58	12.06	12.35	10.62
Allowance For Loan Losses, 5 Yr. CAGR %	14.93	14.4	17.64	18.34	3.5
Net Loans, 5 Yr. CAGR %	11.97	12.53	11.97	12.29	10.65
Non Performing Loans, 5 Yr. CAGR %	-7.73	0.09	2.28	4.02	7.82
Non Performing Assets, 5 Yr. CAGR %	-	-4.75	0.4	4.52	7.48
Total Assets, 5 Yr. CAGR %	14.33	13.66	12.48	12.12	9.55
Total Deposits, 5 Yr CAGR %	14.21	13.1	11.71	11.77	9.25
Tangible Book Value, 5 Yr. CAGR %	12.08	9.72	11.32	11.77	14.46
Average Interest Earning Assets, 5 Yr. CAGR %	14.43	14.22	13.29	12.84	10.58
Average Interest Bearing Liabilities, 5 Yr. CAGR %	12.6	12.8	13.76	13.41	12.18
Common Equity, 5 Yr. CAGR %	10.82	8.98	9.68	10.71	13.03
Total Equity, 5 Yr. CAGR %	10.79	10.01	10.57	11.44	12.02