Financial Highlights

Financial Highlights
2018 FQ1 YTD
3/31/2018
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 4,793 8,658 2,194 2,721 1,841
Equipment Under Operating Leases 188,858 195,098 192,800 155,258 186,763
Net Loans & Leases 211,751 218,659 210,268 167,154 186,763
Total Assets 226,188 236,410 218,736 181,025 197,671
Debt and Banking Deposits 133,635 145,296 125,724 107,586 129,296
Equity Attributable to Parent Company 47,684 47,367 42,500 41,279 34,841
Total Equity 47,684 47,367 42,500 41,279 34,841
Total Debt/ Total Equity(x) 2.80 3.07 2.96 2.61 3.71
Debt plus Rdm Pfd/ Equity(x) 2.80 3.07 2.96 2.61 3.71
Total Equity/ Total Assets(%) 21.08 20.04 19.43 22.80 17.63
Income Statement & Profitability ($000)
Financial Revenue 4,588 22,820 19,993 19,815 16,930
Revenue 5,631 27,800 23,376 32,392 23,573
Interest Expense 2,254 7,753 5,340 6,141 5,134
Total Expense 5,160 24,368 21,405 22,371 40,819
Net Income before Taxes 471 3,433 1,972 10,021 (17,246)
Net Income 317 7,399 1,222 6,438 (11,294)
Net Income Attributable to Parent 317 7,399 1,222 6,438 (11,294)
ROAA(%) 0.55 3.15 0.65 3.33 (6.16)
ROAE(%) 2.67 17.63 2.91 17.31 (27.56)
ROATCE 2.67 17.63 2.91 17.31 (27.56)
Per Share Information ($)
Basic Book Value per Share 33.66 33.43 27.13 26.35 22.58
Basic Tangible Book Value per Share 33.66 33.43 27.13 26.35 22.58
Diluted EPS after Extraordinary 0.22 5.10 0.78 4.17 (7.32)
Common Shares Outstanding(actual) 1,416,699 1,416,699 1,566,699 1,566,699 1,543,257
Managed Portfolio ($000)
Managed Receivables for Self and Others 211,751 218,659 210,268 167,154 186,763
Return on Avg Managed Assets(%) 0.55 3.15 0.65 3.33 (6.16)
Risk-adjusted Margin(%) 10.47 12.57 13.13 17.98 13.85
Growth Rates and Trends (%)
Asset Growth (17.30) 8.08 20.83 (8.42) 20.07
Equity Growth 2.68 11.45 2.96 18.48 (24.48)
Managed Receivables Growth (12.64) 3.99 25.79 (10.50) 20.61
EPS after Extra Growth (46.30) 553.80 (81.30) NM NM
Assets Five-year CAGR 8.10 9.17 10.81 6.35 8.38
Equity Five-year CAGR (0.92) 0.64 0.87 (0.41) (2.96)
Receivables Managed Five-year CAGR 8.14 8.52 10.86 5.67 7.98
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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