Income statement in USD
Year on year
| Gross margin | -- |
| Net profit margin | 23.82% |
| Operating margin | 32.28% |
| Return on assets | 0.97% |
| Return on equity | 11.32% |
| Return on investment | -- |
Growth rates in USD
Year on year, both dividends per share and earnings per share excluding extraordinary items growth increased 20.00% and 16.05%, respectively. The positive trend in dividend payments is noteworthy since only some companies in the Money Center Banks industry pay a dividend. Additionally when measured on a five year annualized basis, both dividend per share and earnings per share growth ranked in-line with the industry average relative to its peers.
| Div yield(5 year avg) | 0.02% |
| Div growth rate (5 year) | -4.11% |
| Payout ratio (TTM) | 21.98% |
| EPS growth(5 years) | 3.72 |
| EPS (TTM) vs TTM 1 year ago | 27.84 |
Cash flow in USD
In 2012, cash reserves at
| Cash flow per share | 7.08 |
| Price/Cash flow per share | 7.39 |
| Book value per share | 54.64 |
| Tangible book value per share | 39.31 |
Balance sheet in USD
| Current ratio | -- |
| Quick ratio | -- |
| Total debt/total equity | 3.49 |
| Total debt/total capital | -- |
