Financial Highlights

Financial Highlights
2019 FQ1 YTD
3/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Cash and Cash Equivalents 165,365 120,860 75,256 71,362 67,713
Leases and Loans Held for Investment, Net of Reserves NA NA NA NA NA
Net Loans & Leases NA NA NA NA NA
Total Assets 1,246,725 1,167,046 1,040,160 892,158 772,984
Debt and Banking Deposits 978,442 905,831 809,315 697,357 587,940
Equity Attributable to Parent Company 201,650 198,511 179,649 162,289 150,138
Total Equity 201,650 198,511 179,649 162,289 150,138
Total Debt/ Total Equity(x) 0.69 0.76 0 0 0
Debt plus Rdm Pfd/ Equity(x) 0.69 0.76 0 0 0
Total Equity/ Total Assets(%) 16.17 17.01 17.27 18.19 19.42
Income Statement & Profitability ($000)
Net Interest Income 19,921 79,611 76,275 66,931 60,966
Financial Revenue 29,750 111,829 101,168 89,341 82,197
Revenue 36,911 116,888 107,871 92,232 84,066
Interest Expense 5,962 17,414 11,180 7,778 5,696
Provision for Loan Losses 5,363 19,522 18,394 12,414 9,995
Total Expense 30,168 84,187 84,235 63,934 58,838
Net Income before Taxes 6,743 32,701 23,636 28,298 25,228
Net Income 5,141 24,980 25,292 17,279 15,966
Net Income Attributable to Parent 5,141 24,980 25,292 17,279 15,966
ROAA(%) 1.69 2.29 2.59 2.08 2.11
ROAE(%) 10.45 13.27 15.38 11.15 9.49
ROATCE NA 13.90 15.31 10.82 9.21
Net Interest Income/ Avg Assets(%) 6.55 7.29 7.82 8.07 8.05
Per Share Information ($)
Basic Book Value per Share 16.33 16.05 14.43 12.91 12.10
Basic Tangible Book Value per Share 15.12 14.82 14.04 12.91 12.10
Diluted EPS after Extraordinary 0.41 2 2.01 1.38 1.25
Common Shares Outstanding(actual) 12,349,076 12,367,724 12,449,458 12,572,114 12,410,899
Managed Portfolio ($000)
Managed Receivables for Self and Others NA NA NA NA NA
Loan Originations 193,440 704,894 629,445 504,000 384,660
Managed 60+/ Managed Rec(%) NA NA NA NA NA
Managed NCOs/ Avg Managed Rec(%) NA NA NA NA NA
Return on Avg Managed Assets(%) NA NA NA NA NA
Risk-adjusted Margin(%) NA NA NA NA NA
Growth Rates and Trends (%)
Asset Growth 27.31 12.20 16.59 15.42 1.92
Equity Growth 6.33 10.50 10.70 8.09 (13.70)
Net Loans Receivable Growth 8.97 9.44 14.77 16.75 8.41
Managed Receivables Growth NA NA NA NA NA
EPS after Extra Growth (18) (0.50) 45.70 10.40 (16.10)
Loan Origination Growth 21.13 11.99 24.89 31.02 14.91
Assets Five-year CAGR 10.96 10.69 11.54 12.90 10.55
Equity Five-year CAGR 3.95 4.01 0.61 (0.22) (1.26)
Net Loans Five-year CAGR 11.24 10.88 12.69 15.47 14.18
Receivables Managed Five-year CAGR NA NA NA NA NA
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.