Financial Highlights

Financial Highlights
2018 FQ3 YTD
9/30/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Cash and Cash Equivalents 107,907 75,256 71,362 67,713 111,367
Leases and Loans Held for Investment, Net of Reserves NA NA NA NA NA
Net Loans & Leases NA NA NA NA NA
Total Assets 1,126,733 1,040,160 892,158 772,984 758,449
Debt and Banking Deposits 874,626 809,315 697,357 587,940 550,119
Equity Attributable to Parent Company 193,543 179,649 162,289 150,138 173,964
Total Equity 193,543 179,649 162,289 150,138 173,964
Total Debt/ Total Equity(x) 0.90 0 0 0 0
Debt plus Rdm Pfd/ Equity(x) 0.90 0 0 0 0
Total Equity/ Total Assets(%) 17.18 17.27 18.19 19.42 22.94
Income Statement & Profitability ($000)
Net Interest Income 60,014 76,275 66,931 60,966 61,799
Financial Revenue 82,509 101,169 89,341 82,197 82,182
Revenue 86,088 107,871 92,232 84,066 83,796
Interest Expense 12,065 11,180 7,778 5,696 4,965
Provision for Loan Losses 13,761 18,394 12,414 9,995 9,116
Total Expense 62,068 84,235 63,934 58,838 52,524
Net Income before Taxes 24,020 23,636 28,298 25,228 31,272
Net Income 18,558 25,292 17,279 15,966 19,350
Net Income Attributable to Parent 18,558 25,292 17,279 15,966 19,350
ROAA(%) 2.27 2.59 2.08 2.11 2.64
ROAE(%) 13.31 15.38 11.15 9.49 11.47
ROATCE 13.49 15.28 10.82 9.21 11.14
Net Interest Income/ Avg Assets(%) 7.34 7.82 8.07 8.05 8.45
Per Share Information ($)
Basic Book Value per Share 15.61 14.43 12.91 12.10 13.55
Basic Tangible Book Value per Share 14.36 14.25 12.91 12.10 13.55
Diluted EPS after Extraordinary 1.49 2.01 1.38 1.25 1.49
Common Shares Outstanding(actual) 12,400,465 12,449,458 12,572,114 12,410,899 12,838,449
Managed Portfolio ($000)
Managed Receivables for Self and Others NA NA NA NA NA
Loan Originations 504,979 629,445 504,000 384,660 334,744
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 11.10 16.59 15.42 1.92 8.01
Equity Growth 10.31 10.70 8.09 (13.70) 6.70
Net Loans Receivable Growth 8.17 14.77 16.75 8.41 5.43
Managed Receivables Growth NA NA NA NA NA
EPS after Extra Growth 98.70 45.70 10.40 (16.10) 19.20
Loan Origination Growth 12.38 24.89 31.02 14.91 (4.21)
Assets Five-year CAGR 10.85 11.54 12.90 10.55 6.03
Equity Five-year CAGR 3.88 0.61 (0.22) (1.26) 2.75
Net Loans Five-year CAGR 10.98 12.69 15.47 14.18 7.01
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.