Financial Highlights

Financial Highlights
2020 FQ3 YTD
9/30/2020
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 4,864 2,350 1,543 8,658 2,194
Equipment Under Operating Leases 96,052 108,369 184,020 195,098 192,800
Net Loans & Leases 98,932 117,171 199,271 218,659 210,268
Total Assets 121,021 149,596 217,152 236,410 218,736
Debt and Banking Deposits 109,393 111,509 130,937 145,296 125,724
Equity Attributable to Parent Company (3,631) 23,259 41,288 47,367 42,500
Total Equity (3,631) 23,259 41,288 47,367 42,500
Total Debt/ Total Equity(x) NM 4.79 3.17 3.07 2.96
Debt plus Rdm Pfd/ Equity(x) NM 4.79 3.17 3.07 2.96
Total Equity/ Total Assets(%) (3) 15.55 19.01 20.04 19.43
Income Statement & Profitability ($000)
Financial Revenue (1,040) 15,160 19,382 22,820 19,993
Revenue (833) 32,297 17,610 27,800 23,376
Interest Expense 13,493 11,303 9,506 7,753 5,340
Total Expense 30,335 53,463 26,664 24,368 21,405
Net Income before Taxes (31,168) (21,166) (9,054) 3,433 1,972
Net Income (27,777) (16,659) (8,081) 7,399 1,222
Net Income Attributable to Parent (27,777) (16,659) (8,081) 7,399 1,222
ROAA(%) (28.17) (8.65) (3.49) 3.15 0.65
ROAE(%) (466.59) (47.46) (17.69) 17.63 2.91
ROATCE NM (47.46) (17.69) 17.63 2.91
Per Share Information ($)
Basic Book Value per Share (2.35) 15.05 26.71 33.43 27.13
Basic Tangible Book Value per Share (2.35) 15.05 26.71 33.43 27.13
Diluted EPS after Extraordinary (17.97) (10.78) (5.58) 5.10 0.78
Common Shares Outstanding(actual) 1,545,884 1,545,884 1,545,884 1,416,699 1,566,699
Managed Portfolio ($000)
Managed Receivables for Self and Others 100,102 120,079 199,271 218,659 210,268
Return on Avg Managed Assets(%) (28.17) (8.65) (3.49) 3.15 0.65
Risk-adjusted Margin(%) (1.03) 18.99 8.22 12.57 13.13
Growth Rates and Trends (%)
Asset Growth (25.47) (31.11) (8.15) 8.08 20.83
Equity Growth NM (43.67) (12.83) 11.45 2.96
Managed Receivables Growth (22.18) (39.74) (8.87) 3.99 25.79
EPS after Extra Growth NM NM NM 553.80 (81.30)
Assets Five-year CAGR (8.74) (5.42) 5.69 9.17 10.81
Equity Five-year CAGR NM (7.76) (2.19) 0.64 0.87
Receivables Managed Five-year CAGR (10.73) (8.45) 5.17 8.52 10.86
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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