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 177,311 135,379 60,968 41,484 76,052
Loans Held for Investment, Net of Reserves 736,760 725,959 424,542 305,081 239,431
Net Loans & Leases 736,760 725,959 424,542 305,081 239,431
Total Assets 971,884 936,266 582,608 425,613 362,547
Debt and Banking Deposits 786,817 799,479 498,720 336,871 254,233
Equity Attributable to Parent Company 3,387 906 (21,791) (36,033) 5,787
Total Equity 2,753 335 (22,129) (36,127) 5,777
Total Debt/ Total Equity(x) NM NM NM NM 44.01
Debt plus Rdm Pfd/ Equity(x) NM NM NM NM 44.01
Total Equity/ Total Assets(%) 0.28 0.04 (3.80) (8.49) 1.59
Income Statement & Profitability ($000)
Net Interest Income 89,563 210,488 124,272 87,007 68,415
Financial Revenue 109,611 283,525 156,265 115,768 114,064
Revenue 111,733 406,555 196,085 117,187 115,535
Interest Expense 13,584 50,730 36,896 27,700 20,207
Provision for Loan Losses 67,336 248,383 100,338 77,612 53,721
Total Expense 105,086 374,792 192,603 164,437 127,891
Net Income before Taxes 6,647 31,763 3,482 (47,250) (12,356)
Net Income 5,362 26,210 7,612 (40,872) (6,341)
Net Income Attributable to Parent 5,425 26,443 7,856 (40,781) (6,335)
ROAA(%) 2.25 3.62 1.64 (10.26) (2.05)
ROAE(%) NM NM NM NM (53.40)
ROATCE NM NM NM NM (53.31)
Net Interest Income/ Avg Assets(%) 37.55 29.05 26.77 21.83 22.12
Per Share Information ($)
Basic Book Value per Share 0.23 0.06 (1.54) (2.60) 0.42
Basic Tangible Book Value per Share 0.23 0.06 (1.54) (2.60) 0.42
Diluted EPS after Extraordinary 0.17 1.66 0.56 (2.93) (0.46)
Common Dividends Declared per Share 0 0 0 0 0
Common Shares Outstanding(actual) 14,418,272 14,426,081 14,104,341 13,832,651 13,888,853
Managed Portfolio ($000)
Managed Receivables for Self and Others 1,007,708 1,004,613 550,919 410,499 314,926
Return on Avg Managed Assets(%) 2.06 3.30 1.50 (9.23) (1.83)
Growth Rates and Trends (%)
Asset Growth 15.22 60.70 36.89 17.40 29.14
Equity Growth NM NM NM NM (47.25)
Net Loans Receivable Growth 5.95 71 39.16 27.42 41.96
Managed Receivables Growth 1.23 82.35 34.21 30.35 36.71
Assets Five-year CAGR 31.19 28.37 10.58 2.27 (10.95)
Equity Five-year CAGR (23.15) (46.20) NM NM (40.29)
Net Loans Five-year CAGR 37.13 35.46 16.54 6.41 (9.78)
Receivables Managed Five-year CAGR 36.28 34.63 12.90 2.75 (12.24)
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.