Financial Highlights

Financial Highlights
2017 FQ3 YTD
9/30/2017
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 6,529 2,194 2,721 1,841 2,113
Equipment Under Operating Leases 204,967 192,800 155,258 186,763 152,955
Net Loans & Leases 229,438 210,268 167,154 186,763 154,850
Total Assets 247,755 218,736 181,025 197,671 164,634
Debt and Banking Deposits 153,932 125,724 107,586 129,296 77,500
Equity Attributable to Parent Company 41,349 42,500 41,279 34,841 46,135
Total Equity 41,349 42,500 41,279 34,841 46,135
Total Debt/ Total Equity(x) 3.72 2.96 2.61 3.71 1.68
Debt plus Rdm Pfd/ Equity(x) 3.72 2.96 2.61 3.71 1.68
Total Equity/ Total Assets(%) 16.69 19.43 22.80 17.63 28.02
Income Statement & Profitability ($000)
Financial Revenue 17,673 19,993 19,815 16,930 14,895
Revenue 18,878 23,376 32,392 23,573 34,157
Interest Expense 5,496 5,340 6,141 5,134 4,075
Total Expense 16,602 21,405 22,371 40,819 21,484
Net Income before Taxes 2,276 1,972 10,021 (17,246) 12,673
Net Income 1,382 1,222 6,438 (11,294) 8,344
Net Income Attributable to Parent 1,382 1,222 6,438 (11,294) 8,344
ROAA(%) 0.79 0.65 3.33 (6.16) 5.37
ROAE(%) 4.48 2.91 17.31 (27.56) 16.92
ROATCE 4.48 2.91 17.31 (27.56) 16.92
Per Share Information ($)
Basic Book Value per Share 29.19 27.13 26.35 22.58 29.89
Basic Tangible Book Value per Share 29.19 27.13 26.35 22.58 29.89
Diluted EPS after Extraordinary 0.95 0.78 4.17 (7.32) 5.26
Common Shares Outstanding(actual) 1,416,699 1,566,699 1,566,699 1,543,257 1,543,257
Managed Portfolio ($000)
Managed Receivables for Self and Others 229,438 210,268 167,154 186,763 154,850
Return on Avg Managed Assets(%) 0.79 0.65 3.33 (6.16) 5.37
Risk-adjusted Margin(%) 11.43 13.13 17.98 13.85 23.72
Growth Rates and Trends (%)
Asset Growth 17.69 20.83 (8.42) 20.07 8.01
Equity Growth (3.61) 2.96 18.48 (24.48) 0.56
Managed Receivables Growth 12.16 25.79 (10.50) 20.61 6.63
EPS after Extra Growth 17.30 (81.30) NM NM 58.40
Assets Five-year CAGR 9.89 10.81 6.35 8.38 4.56
Equity Five-year CAGR (1.27) 0.87 (0.41) (2.96) 5.78
Receivables Managed Five-year CAGR 9.86 10.86 5.67 7.98 4.39
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.
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