Financial Highlights

Financial Highlights
2017 FQ2 YTD
6/30/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
2013 FY
12/31/2013
Balance Sheet ($000)
Cash and Cash Equivalents 85,676 71,362 67,713 111,367 86,926
Leases and Loans Held for Investment, Net of Reserves NA NA NA NA NA
Net Loans & Leases NA NA NA NA NA
Total Assets 985,082 892,158 772,984 758,449 702,207
Debt and Banking Deposits 780,838 697,357 587,940 550,119 503,038
Equity Attributable to Parent Company 164,183 162,289 150,138 173,964 163,038
Total Equity 164,183 162,289 150,138 173,964 163,038
Total Debt/ Total Equity(x) 0 0 0 0 0
Debt plus Rdm Pfd/ Equity(x) 0 0 0 0 0
Total Equity/ Total Assets(%) 16.67 18.19 19.42 22.94 23.22
Income Statement & Profitability ($000)
Net Interest Income 37,146 66,931 60,966 61,799 59,140
Financial Revenue 48,551 89,341 82,197 82,182 77,454
Revenue 52,253 92,232 84,066 83,796 79,128
Interest Expense 4,952 7,778 5,696 4,965 4,545
Provision for Loan Losses 8,198 12,414 9,995 9,116 9,617
Total Expense 42,939 63,934 58,838 52,524 53,128
Net Income before Taxes 9,314 28,298 25,228 31,272 26,000
Net Income 6,093 17,279 15,966 19,350 16,231
Net Income Attributable to Parent 6,093 17,279 15,966 19,350 16,231
ROAA(%) 1.30 2.08 2.11 2.64 2.45
ROAE(%) 7.48 11.15 9.49 11.47 9.31
ROATCE 7.69 10.82 9.21 11.14 8.97
Net Interest Income/ Avg Assets(%) 7.94 8.07 8.05 8.45 8.94
Per Share Information ($)
Basic Book Value per Share 13.11 12.91 12.10 13.55 12.55
Basic Tangible Book Value per Share 12.92 12.91 12.10 13.55 12.55
Diluted EPS after Extraordinary 0.48 1.38 1.25 1.49 1.25
Common Shares Outstanding(actual) 12,525,617 12,572,114 12,410,899 12,838,449 12,994,758
Managed Portfolio ($000)
Managed Receivables for Self and Others NA NA NA NA NA
Loan Originations NA 504,000 384,660 334,744 349,461
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 20.83 15.42 1.92 8.01 16.58
Equity Growth 2.33 8.09 (13.70) 6.70 (6.43)
Net Loans Receivable Growth 16.56 16.75 8.41 5.43 18.70
Managed Receivables Growth NA NA NA NA NA
EPS after Extra Growth (26.20) 10.40 (16.10) 19.20 37.40
Loan Origination Growth NA 31.02 14.91 (4.21) 8.46
Assets Five-year CAGR 13.08 12.90 10.55 6.03 (2.44)
Equity Five-year CAGR (0.51) (0.22) (1.26) 2.75 1.64
Net Loans Five-year CAGR 14.24 15.47 14.18 7.01 (2.25)
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.