Financial Highlights

Financial Highlights
2019 FQ3 YTD
9/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Cash and Cash Equivalents 2,059 1,543 8,658 2,194 2,721
Equipment Under Operating Leases 130,948 184,020 195,098 192,800 155,258
Net Loans & Leases 143,021 199,271 218,659 210,268 167,154
Total Assets 167,020 217,152 236,410 218,736 181,025
Debt and Banking Deposits 117,896 130,937 145,296 125,724 107,586
Equity Attributable to Parent Company 30,117 41,288 47,367 42,500 41,279
Total Equity 30,117 41,288 47,367 42,500 41,279
Total Debt/ Total Equity(x) 3.91 3.17 3.07 2.96 2.61
Debt plus Rdm Pfd/ Equity(x) 3.91 3.17 3.07 2.96 2.61
Total Equity/ Total Assets(%) 18.03 19.01 20.04 19.43 22.80
Income Statement & Profitability ($000)
Financial Revenue 13,840 19,382 22,820 19,993 19,815
Revenue 30,971 17,610 27,800 23,376 32,392
Interest Expense 7,745 9,506 7,753 5,340 6,141
Total Expense 43,229 26,664 24,368 21,405 22,371
Net Income before Taxes (12,259) (9,054) 3,433 1,972 10,021
Net Income (9,617) (8,081) 7,399 1,222 6,438
Net Income Attributable to Parent (9,617) (8,081) 7,399 1,222 6,438
ROAA(%) (6.29) (3.49) 3.15 0.65 3.33
ROAE(%) (33.83) (17.69) 17.63 2.91 17.31
ROATCE (33.83) (17.69) 17.63 2.91 17.31
Per Share Information ($)
Basic Book Value per Share 19.48 26.71 33.43 27.13 26.35
Basic Tangible Book Value per Share 19.48 26.71 33.43 27.13 26.35
Diluted EPS after Extraordinary (6.22) (5.58) 5.10 0.78 4.17
Common Shares Outstanding(actual) 1,545,884 1,545,884 1,416,699 1,566,699 1,566,699
Managed Portfolio ($000)
Managed Receivables for Self and Others 143,021 199,271 218,659 210,268 167,154
Return on Avg Managed Assets(%) (6.29) (3.49) 3.15 0.65 3.33
Risk-adjusted Margin(%) 22.74 8.22 12.57 13.13 17.98
Growth Rates and Trends (%)
Asset Growth (30.78) (8.15) 8.08 20.83 (8.42)
Equity Growth (36.07) (12.83) 11.45 2.96 18.48
Managed Receivables Growth (37.64) (8.87) 3.99 25.79 (10.50)
EPS after Extra Growth NM NM 553.80 (81.30) NM
Assets Five-year CAGR (1.10) 5.69 9.17 10.81 6.35
Equity Five-year CAGR (2.59) (2.19) 0.64 0.87 (0.41)
Receivables Managed Five-year CAGR (2.26) 5.17 8.52 10.86 5.67
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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