Financial Highlights

Financial Highlights
2019 FY
12/31/2019
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 142,954 120,860 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 1,207,443 1,167,046 1,040,160 892,158 772,984
Debt and Banking Deposits 924,953 905,831 809,315 697,357 587,940
Equity Attributable to Parent Company 214,956 198,511 179,649 162,289 150,138
Total Equity 214,956 198,511 179,649 162,289 150,138
Total Debt/ Total Equity(x) 0.40 0.76 0 0 0
Debt plus Rdm Pfd/ Equity(x) 0.40 0.76 0 0 0
Total Equity/ Total Assets(%) 17.80 17.01 17.27 18.19 19.42
Income Statement & Profitability ($000)
Net Interest Income 82,387 79,611 76,275 66,931 60,966
Financial Revenue 128,702 111,829 101,112 89,341 82,197
Revenue 141,623 116,888 107,871 92,232 84,066
Interest Expense 25,033 17,414 11,180 7,778 5,696
Provision for Loan Losses 28,036 19,522 18,394 12,414 9,995
Total Expense 104,770 84,187 84,235 63,934 58,838
Net Income before Taxes 36,853 32,701 23,636 28,298 25,228
Net Income 27,116 24,980 25,292 17,279 15,966
Net Income Attributable to Parent 27,116 24,980 25,292 17,279 15,966
ROAA(%) 2.18 2.29 2.59 2.08 2.11
ROAE(%) 13.33 13.27 15.38 11.15 9.49
ROATCE 14.57 13.90 15.31 10.82 9.21
Net Interest Income/ Avg Assets(%) 6.63 7.29 7.82 8.07 8.05
Per Share Information ($)
Basic Book Value per Share 17.75 16.05 14.43 12.91 12.10
Basic Tangible Book Value per Share 16.57 14.82 14.04 12.91 12.10
Diluted EPS after Extraordinary 2.20 2 2.01 1.38 1.25
Common Shares Outstanding(actual) 12,113,585 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 801,945 704,894 629,445 504,000 384,660
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 3.46 12.20 16.59 15.42 1.92
Equity Growth 8.28 10.50 10.70 8.09 (13.70)
Net Loans Receivable Growth 0.58 9.44 14.77 16.75 8.41
Managed Receivables Growth NA NA NA NA NA
EPS after Extra Growth 10 (0.50) 45.70 10.40 (16.10)
Loan Origination Growth 13.77 11.99 24.89 31.02 14.91
Assets Five-year CAGR 9.74 10.69 11.54 12.90 10.55
Equity Five-year CAGR 4.32 4.01 0.61 (0.22) (1.26)
Net Loans Five-year CAGR 9.84 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.