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 29,296 41,484 76,052 51,033 39,925
Loans Held for Investment, Net of Reserves 379,143 305,081 239,431 168,655 159,057
Net Loans & Leases 379,143 305,081 239,431 168,655 159,057
Total Assets 461,009 425,613 362,547 280,729 268,355
Debt and Banking Deposits 401,493 336,871 254,233 195,753 200,012
Equity Attributable to Parent Company (47,462) (36,033) 5,787 10,959 7,441
Total Equity (47,738) (36,127) 5,777 10,951 7,442
Total Debt/ Total Equity(x) NM NM 44.01 17.88 26.88
Debt plus Rdm Pfd/ Equity(x) NM NM 44.01 17.88 26.88
Total Equity/ Total Assets(%) (10.36) (8.49) 1.59 3.90 2.77
Income Statement & Profitability ($000)
Net Interest Income 89,221 87,007 68,415 51,587 49,624
Financial Revenue 111,806 115,768 114,064 151,431 155,199
Revenue 113,991 117,187 115,535 151,984 169,351
Interest Expense 26,241 27,700 20,207 18,330 24,052
Provision for Loan Losses 65,265 77,612 53,721 26,608 30,828
Total Expense 134,038 164,437 127,891 148,449 196,656
Net Income before Taxes (20,047) (47,250) (12,356) 3,535 (27,305)
Net Income (15,314) (40,872) (6,341) 1,706 7,327
Net Income Attributable to Parent (15,132) (40,781) (6,335) 1,713 7,177
ROAA(%) (4.59) (10.26) (2.05) 0.64 2.34
ROAE(%) NM NM (53.40) 15.40 NM
ROATCE NM NM (53.31) 15.46 NM
Net Interest Income/ Avg Assets(%) 26.73 21.83 22.12 19.33 15.88
Per Share Information ($)
Basic Book Value per Share (3.41) (2.60) 0.42 0.79 0.54
Basic Tangible Book Value per Share (3.41) (2.60) 0.42 0.79 0.54
Diluted EPS after Extraordinary (1.09) (2.93) (0.46) 0.12 0.51
Common Dividends Declared per Share 0 0 0 0 0
Common Shares Outstanding(actual) 13,913,309 13,832,651 13,888,853 13,872,808 13,849,738
Managed Portfolio ($000)
Managed Receivables for Self and Others 491,395 410,499 314,926 230,361 226,977
Return on Avg Managed Assets(%) (4.19) (9.23) (1.83) 0.55 1.94
Growth Rates and Trends (%)
Asset Growth 11.09 17.40 29.14 4.61 (23.81)
Equity Growth NM NM (47.25) 47.15 542.66
Net Loans Receivable Growth 32.37 27.42 41.96 6.03 (19.43)
Managed Receivables Growth 26.28 30.35 36.71 1.49 (24.40)
Assets Five-year CAGR 5.25 2.27 (10.95) (20.43) (18.55)
Equity Five-year CAGR NM NM (40.29) (29.25) (48.60)
Net Loans Five-year CAGR 14.09 6.41 (9.78) (22.01) (14.94)
Receivables Managed Five-year CAGR 9.80 2.75 (12.24) (24.83) (34.01)
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.