Financial Highlights

Financial Highlights
2020 FQ1 YTD
3/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Balance Sheet ($000)
Cash and Cash Equivalents 231,208 142,954 120,860 75,256 71,362
Leases and Loans Held for Investment, Net of Reserves NA NA NA NA NA
Net Loans & Leases NA NA NA NA NA
Total Assets 1,263,537 1,207,443 1,167,046 1,040,160 892,158
Debt and Banking Deposits 1,013,676 924,953 905,831 809,315 697,357
Equity Attributable to Parent Company 188,490 214,956 198,511 179,649 162,289
Total Equity 188,490 214,956 198,511 179,649 162,289
Total Debt/ Total Equity(x) 0.38 0.40 0.76 0 0
Debt plus Rdm Pfd/ Equity(x) 0.38 0.40 0.76 0 0
Total Equity/ Total Assets(%) 14.92 17.80 17.01 17.27 18.19
Income Statement & Profitability ($000)
Net Interest Income 20,785 82,387 79,611 76,275 66,931
Financial Revenue 28,173 128,702 111,829 101,112 89,341
Revenue 35,754 141,623 116,888 107,871 92,232
Interest Expense 5,680 25,033 17,414 11,180 7,778
Provision for Loan Losses 25,150 28,036 19,522 18,394 12,414
Total Expense 55,009 104,770 84,187 84,235 63,934
Net Income before Taxes (19,255) 36,853 32,701 23,636 28,298
Net Income (11,821) 27,116 24,980 25,292 17,279
Net Income Attributable to Parent (11,821) 27,116 24,980 25,292 17,279
ROAA(%) (3.98) 2.18 2.29 2.59 2.08
ROAE(%) (22.75) 13.33 13.27 15.38 11.15
ROATCE (12.87) 14.57 13.90 15.31 10.82
Net Interest Income/ Avg Assets(%) 6.99 6.63 7.29 7.82 8.07
Per Share Information ($)
Basic Book Value per Share 15.86 17.75 16.05 14.43 12.91
Basic Tangible Book Value per Share 15.25 16.57 14.82 14.04 12.91
Diluted EPS after Extraordinary (1) 2.20 2 2.01 1.38
Common Shares Outstanding(actual) 11,884,473 12,113,585 12,367,724 12,449,458 12,572,114
Managed Portfolio ($000)
Managed Receivables for Self and Others NA NA NA NA NA
Loan Originations 151,581 801,945 704,894 629,445 504,000
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 18.58 3.46 12.20 16.59 15.42
Equity Growth (49.25) 8.28 10.50 10.70 8.09
Net Loans Receivable Growth (14.48) 0.58 9.44 14.77 16.75
Managed Receivables Growth NA NA NA NA NA
EPS after Extra Growth NM 10 (0.50) 45.70 10.40
Loan Origination Growth (21.64) 13.77 11.99 24.89 31.02
Assets Five-year CAGR 10.42 9.74 10.69 11.54 12.90
Equity Five-year CAGR 1.48 4.32 4.01 0.61 (0.22)
Net Loans Five-year CAGR 9.08 9.84 10.88 12.69 15.47
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.